:root {
  --bg: #f4f5f7;
  --card: #ffffff;
  --ink: #1d2733;
  --muted: #5b6b7b;
  --line: #d9dee5;
  --brand: #14365c;       /* deep legal navy */
  --brand-2: #1f5fa6;
  --accent: #b8893b;      /* muted gold */
  --danger: #b3261e;
  --ok: #1f7a4d;
  --radius: 10px;
  --shadow: 0 1px 2px rgba(16,32,48,.06), 0 6px 18px rgba(16,32,48,.06);
  font-synthesis: none;
}

* { box-sizing: border-box; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 15px/1.5 -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

/* ---------------------------------------------------------------- header */
.site-header {
  background: var(--brand);
  color: #fff;
  padding: 20px clamp(16px, 5vw, 48px);
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
  justify-content: space-between;
  border-bottom: 3px solid var(--accent);
  position: sticky;
  top: 0;
  z-index: 100;
}
.brand { display: flex; align-items: center; gap: 14px; }
.brand .firm { font-size: 12px; letter-spacing: .14em; text-transform: uppercase; opacity: .8; }
.brand h1 { margin: 0; font-size: 21px; font-weight: 600; }
.header-logo { height: 56px; width: auto; background: #fff; padding: 7px 12px; border-radius: 8px; flex: none; }

/* ---------------------------------------------------------------- splash */
.splash {
  position: fixed; inset: 0; z-index: 1000;
  background: var(--brand) url('assets/splash-bg.jpg') center / cover no-repeat;
  display: flex; align-items: center; justify-content: center;
  padding: 24px; transition: opacity .3s ease;
}
.splash.hide { opacity: 0; pointer-events: none; }
.splash-card {
  background: rgba(255, 255, 255, .95);
  border-radius: 16px; max-width: 560px; width: 100%;
  padding: 34px 40px; box-shadow: 0 20px 60px rgba(0, 0, 0, .35); text-align: center;
}
.splash-logo { height: 54px; width: auto; margin-bottom: 16px; }
.splash-title { margin: 0 0 6px; font-size: 23px; color: var(--brand); }
.splash-sub { margin: 0 0 16px; color: var(--muted); font-size: 14px; }
.splash-intro { font-size: 13px; color: var(--ink); line-height: 1.6; margin: 0 0 22px; text-align: left; }
.splash-prompt { font-weight: 600; color: var(--brand); margin: 0 0 14px; }
.splash-actions { display: grid; gap: 12px; }
.splash-btn {
  text-align: left; padding: 15px 18px; border-radius: 12px;
  border: 2px solid var(--line); background: #fff; cursor: pointer;
  display: flex; flex-direction: column; gap: 2px; transition: border-color .15s, background .15s, transform .15s;
}
.splash-btn:hover { border-color: var(--brand-2); background: #f5f9fd; transform: translateY(-1px); }
.splash-btn-title { font-size: 16px; font-weight: 600; color: var(--brand); }
.splash-btn-sub { font-size: 13px; color: var(--muted); }
.splash-resume { margin-top: 16px; background: none; border: 0; color: var(--brand-2); cursor: pointer; font: inherit; }
.splash-resume:hover { text-decoration: underline; }
.splash-foot { margin: 18px 0 0; font-size: 12px; color: var(--muted); }
body.splash-open { overflow: hidden; }
@media (max-width: 560px) { .splash-card { padding: 24px 20px; } }

.mode-switch { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.mode-label { font-size: 13px; opacity: .85; margin-right: 4px; }
.mode-btn {
  background: rgba(255,255,255,.1);
  color: #fff;
  border: 1px solid rgba(255,255,255,.35);
  padding: 8px 14px;
  border-radius: 999px;
  cursor: pointer;
  font-size: 14px;
}
.mode-btn:hover { background: rgba(255,255,255,.2); }
.mode-btn.active { background: var(--accent); border-color: var(--accent); color: #1a1205; font-weight: 600; }

/* ---------------------------------------------------------------- layout */
.container { max-width: 960px; margin: 0 auto; padding: 24px clamp(12px, 4vw, 24px) 96px; }

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 22px 24px;
  margin: 0 0 20px;
}
.card h2 {
  margin: 0 0 14px;
  font-size: 18px;
  color: var(--brand);
  border-bottom: 2px solid var(--line);
  padding-bottom: 8px;
}
.card h3 { margin: 18px 0 8px; font-size: 15px; color: var(--brand-2); }
.card h4 { margin: 14px 0 6px; font-size: 13px; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; }
.note { color: var(--muted); font-size: 13px; margin: -6px 0 14px; }
.intro p { margin: 0 0 12px; }
.parts-note { font-size: 13.5px; color: var(--muted); }
.cert { font-size: 12.5px; color: var(--muted); font-style: italic; border-left: 3px solid var(--accent); padding-left: 12px; }

/* ---------------------------------------------------------------- fields */
.field { margin: 0 0 12px; }
.field > label { display: block; font-size: 13px; color: var(--muted); margin-bottom: 4px; }
input[type=text], input[type=tel], input[type=email], input[type=date], textarea {
  width: 100%;
  padding: 8px 10px;
  border: 1px solid var(--line);
  border-radius: 7px;
  font: inherit;
  color: var(--ink);
  background: #fff;
}
input:focus, textarea:focus { outline: 2px solid var(--brand-2); outline-offset: -1px; border-color: var(--brand-2); }
textarea { resize: vertical; }

.radio-group { display: flex; gap: 14px; flex-wrap: wrap; padding: 2px 0; }
.radio { display: inline-flex; align-items: center; gap: 5px; cursor: pointer; font-size: 14px; }
.radio input { accent-color: var(--brand-2); }

/* ---------------------------------------------- people / advisor grids */
.people-grid { display: grid; gap: 0 14px; align-items: center; }
.people-grid.cols-1 { grid-template-columns: 220px 1fr; }
.people-grid.cols-2 { grid-template-columns: 220px 1fr 1fr; }
.people-grid .colhead {
  font-weight: 600; color: var(--brand); font-size: 13px;
  padding: 6px 0; border-bottom: 2px solid var(--line); text-align: center;
}
.people-grid .rowlabel { font-size: 13px; color: var(--muted); padding: 7px 0; }
.people-grid .cell { padding: 5px 0; }

.conditional { background: #fbf7ef; border: 1px solid #ecdcc0; border-radius: 8px; padding: 12px 14px; margin: 12px 0; }
.conditional h3 { margin-top: 0; color: var(--accent); }

/* ---------------------------------------------------------------- cards */
.subcard { border: 1px solid var(--line); border-radius: 8px; padding: 14px 16px; margin: 0 0 12px; background: #fcfdfe; }
.subcard-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.gc-wrap { padding-left: 4px; }
.gc-row { display: flex; gap: 10px; align-items: flex-end; flex-wrap: wrap; margin-bottom: 6px; }
.gc-row .field { flex: 1 1 160px; margin-bottom: 0; }

/* ---------------------------------------------------------- questions */
.question { padding: 10px 0; border-bottom: 1px solid var(--line); }
.question:last-child { border-bottom: 0; }
.qlabel { font-size: 14px; margin-bottom: 6px; }
.q-people { display: grid; gap: 12px; }
.q-people.cols-2 { grid-template-columns: 1fr 1fr; }
.q-person { background: #f8fafc; border: 1px solid var(--line); border-radius: 7px; padding: 8px 10px; }
.q-person-label { display: block; font-size: 12px; color: var(--brand-2); font-weight: 600; margin-bottom: 4px; }

/* ------------------------------------------------------------ asset table */
.asset-table { border: 1px solid var(--line); border-radius: 8px; overflow: hidden; margin-bottom: 8px; }
.asset-row { display: grid; grid-template-columns: var(--asset-cols, 1fr); align-items: center; }
.asset-row { grid-template-columns: 1.4fr repeat(var(--n,1), 1fr) auto; }
.asset-row { display: flex; }
.asset-label { flex: 1.4 1 0; padding: 8px 12px; font-size: 13px; color: var(--ink); border-top: 1px solid var(--line); }
.asset-cell { flex: 1 1 0; padding: 4px 8px; border-top: 1px solid var(--line); }
.asset-cell input { padding: 6px 8px; }
.asset-jt { flex: 0 0 64px; text-align: center; padding: 6px; border-top: 1px solid var(--line); }
.asset-row.head { background: #f1f4f8; }
.asset-row.head .asset-label, .asset-row.head .asset-cell, .asset-row.head .asset-jt {
  border-top: 0; font-weight: 600; color: var(--brand); font-size: 12px;
}
.asset-row.total .asset-label { font-weight: 700; color: var(--brand); }
.asset-row.total { background: #f7f9fb; }
input.computed {
  background: #eef3f8; border-color: #cdd9e6; color: var(--brand);
  font-weight: 700; cursor: default;
}
input.computed:focus { outline: none; }

/* ----------------------------------------------------- table totals (Part C) */
.table-totals {
  display: flex; gap: 16px; flex-wrap: wrap;
  margin-top: 12px; padding-top: 12px; border-top: 2px solid var(--line);
}
.table-totals .field { flex: 1 1 200px; margin-bottom: 0; }

/* ----------------------------------------------------------- file upload */
.file-input { display: block; margin: 8px 0; font: inherit; }
.file-list { margin-top: 8px; }
.file-row {
  display: flex; align-items: center; gap: 10px;
  padding: 7px 12px; border: 1px solid var(--line); border-radius: 7px;
  margin-bottom: 6px; background: #fcfdfe;
}
.file-name { flex: 1; font-size: 14px; word-break: break-all; }
.file-size { font-size: 12px; color: var(--muted); white-space: nowrap; }
.upload-warn { color: var(--danger); font-size: 13px; margin-top: 10px; }

/* ---------------------------------------------------------- email verify (OTP) */
.otp-code-wrap { margin-top: 12px; display: flex; gap: 8px; flex-wrap: wrap; align-items: center; }
.otp-input {
  font-size: 20px; letter-spacing: 6px; text-align: center; width: 170px;
  padding: 10px 12px; border: 1px solid var(--line); border-radius: 8px; font-family: inherit;
}

/* ---------------------------------------------------------------- docs */
.doc-list { border: 1px solid var(--line); border-radius: 8px; overflow: hidden; margin-bottom: 6px; }
.doc, label.doc {
  display: flex; gap: 10px; align-items: flex-start; padding: 10px 14px;
  font-size: 14px; line-height: 1.4; cursor: pointer; border-top: 1px solid var(--line);
}
.doc-list .doc:first-child { border-top: 0; }
.doc:hover { background: #f7fafc; }
.doc input { flex: 0 0 auto; width: 16px; height: 16px; margin: 1px 0 0; accent-color: var(--brand-2); }
.doc span { flex: 1; }
.doc-upload { margin-top: 18px; padding-top: 14px; border-top: 2px solid var(--line); }
.doc-upload h3 { margin: 0 0 4px; }

/* ---------------------------------------------------------------- buttons */
.btn {
  border: 1px solid var(--line); background: #fff; color: var(--ink);
  padding: 9px 16px; border-radius: 8px; cursor: pointer; font: inherit;
}
.btn:hover { background: #f3f6f9; }
.btn.primary { background: var(--brand); color: #fff; border-color: var(--brand); font-weight: 600; }
.btn.primary:hover { background: #0f2a49; }
.btn.primary:disabled { opacity: .6; cursor: default; }
.btn.add { border-style: dashed; color: var(--brand-2); width: 100%; margin-top: 6px; }
.btn.link { border: 0; background: none; color: var(--brand-2); padding: 4px 6px; }
.btn.link.danger, .btn .danger { color: var(--danger); }
.btn.link:hover { text-decoration: underline; background: none; }

/* ---------------------------------------------------------------- toolbar */
.toolbar {
  position: sticky; bottom: 0; display: flex; gap: 10px; align-items: center;
  background: rgba(244,245,247,.96); backdrop-filter: blur(4px);
  padding: 14px 0; border-top: 1px solid var(--line); margin-top: 8px;
}
.toolbar .spacer { flex: 1; }
.save-indicator { font-size: 12px; color: var(--ok); opacity: 0; transition: opacity .2s; }
.save-indicator.show { opacity: 1; }

.done { text-align: center; padding: 48px 24px; }
.done h2 { color: var(--ok); border: 0; }

/* ---------------------------------------------------------------- print */
@media print {
  .site-header { background: #fff; color: #000; border-bottom: 2px solid #000; }
  .mode-switch, .toolbar, .btn { display: none !important; }
  .brand .firm, .brand h1 { color: #000; }
  body { background: #fff; }
  .card { box-shadow: none; border: 1px solid #999; break-inside: avoid; }
  .subcard, .question, .asset-table { break-inside: avoid; }
  input, textarea { border: 0; border-bottom: 1px solid #999; border-radius: 0; }
}

@media (max-width: 680px) {
  .people-grid.cols-1, .people-grid.cols-2 { grid-template-columns: 1fr; }
  .people-grid .colhead { text-align: left; }
  .people-grid .rowlabel { padding-top: 12px; font-weight: 600; color: var(--ink); }
  .q-people.cols-2 { grid-template-columns: 1fr; }
}