*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html, body { scroll-behavior: auto !important; }
    body { font-family: 'Inter', sans-serif; background: #fff; color: #1A1A2E; -webkit-font-smoothing: antialiased; transition: opacity 160ms ease; }
    body.lang-swap { opacity: 0; }
    ::-webkit-scrollbar { width: 5px; }
    ::-webkit-scrollbar-track { background: #F5F7FA; }
    ::-webkit-scrollbar-thumb { background: #18386630; border-radius: 99px; }
    input::placeholder { color: #A0AEC0; font-family: 'Inter', sans-serif; font-weight: 300; }
    button { font-family: 'Inter', sans-serif; }
    html { max-width: 100vw; }
    body { max-width: 100vw; overflow-x: hidden; }

    @media (max-width: 600px) {
      html { font-size: 13px; }
      body { font-size: 12px; }
      h1 { font-size: 20px !important; line-height: 1.2 !important; }
      h2 { font-size: 17px !important; line-height: 1.2 !important; }
      .two-col { grid-template-columns: 1fr !important; }
      .doc-screen, .ack-screen { padding: 76px 22px 40px !important; }
      .doc-title { font-size: 20px !important; letter-spacing: -0.3px !important; }
      .doc-subtitle { font-size: 11px !important; }
      .section-heading { font-size: 10px !important; letter-spacing: 0.2px !important; }
      .section-body, .section-body2 { font-size: 12px !important; line-height: 1.7 !important; }
      .section-note { font-size: 10px !important; }
      .item-title { font-size: 11px !important; }
      .item-desc { font-size: 11px !important; line-height: 1.6 !important; }
      .bullet-item { font-size: 11px !important; padding: 10px 0 !important; }
      .data-table th { padding: 7px 9px !important; font-size: 9px !important; letter-spacing: 0.3px !important; }
      .data-table td { padding: 7px 9px !important; font-size: 10px !important; }
      .se-row { padding: 9px 12px !important; }
      .se-label { font-size: 11px !important; }
      .se-rate { font-size: 12px !important; }
      .se-rate.bold { font-size: 13px !important; }
      .callout { padding: 11px 13px !important; }
      .callout p { font-size: 11px !important; line-height: 1.6 !important; }
      .compare-col { padding: 11px 13px !important; }
      .compare-col-label { font-size: 9px !important; }
      .compare-text { font-size: 10px !important; }
      .contact-row { padding: 11px 13px !important; }
      .contact-role { font-size: 11px !important; }
      .contact-notes { font-size: 10px !important; }
      .contact-phone { font-size: 14px !important; }
      .email-row { padding: 9px 11px !important; }
      .email-purpose { font-size: 10px !important; }
      .email-addr { font-size: 11px !important; }
      .btn-primary, .btn-continue { padding: 12px !important; font-size: 12px !important; }
      .btn-back { padding: 12px 15px !important; font-size: 12px !important; }
      .checkbox-area { padding-top: 18px !important; margin-top: 24px !important; }
      .checkbox-label { font-size: 11px !important; }
      .field-input { font-size: 13px !important; }
      .field-label { font-size: 9px !important; }
      #welcome-inner { padding: 0 4px; }
      .q-block { padding: 16px 14px !important; }
      .q-prompt { font-size: 10px !important; }
      .q-scenario { font-size: 12px !important; line-height: 1.65 !important; }
      .q-option { padding: 11px 13px !important; font-size: 11px !important; }
      .q-feedback { padding: 12px 14px !important; font-size: 11px !important; line-height: 1.6 !important; }
      .q-note { padding: 12px 14px !important; font-size: 11px !important; line-height: 1.65 !important; }
      .q-submit { padding: 11px !important; font-size: 11px !important; }
    }
    @media (max-width: 400px) {
      .doc-screen, .ack-screen { padding-left: 18px !important; padding-right: 18px !important; }
      h1 { font-size: 20px !important; }
      .doc-title { font-size: 20px !important; }
    }

    /* ═══ TABLE OF CONTENTS ═══════════════════════════════════════════════
       Desktop: persistent left rail
       Mobile: sticky top bar + tap-to-expand overlay
       ═══════════════════════════════════════════════════════════════════════ */

    /* Desktop left rail */
    #toc-rail {
      position: fixed; top: 0; left: 0; bottom: 0;
      width: 320px;
      background: #FAFBFD;
      border-right: 1px solid #E0E4EC;
      padding: 40px 28px 32px;
      overflow-y: auto;
      z-index: 100;
      display: none;
    }
    @media (min-width: 900px) {
      #toc-rail.visible { display: block; }
    }
    .toc-header {
      padding-bottom: 20px;
      border-bottom: 1px solid #E0E4EC;
      margin-bottom: 20px;
    }
    /* Language toggle (sidebar + cover variants) */
    .lang-toggle {
      display: inline-flex;
      align-items: center;
      border: 1px solid #D8DEE9;
      border-radius: 99px;
      background: #fff;
      padding: 2px;
      gap: 0;
      font-family: 'Inter', sans-serif;
    }
    .lang-toggle button {
      border: none;
      background: transparent;
      color: #8B95A7;
      font-family: 'Inter', sans-serif;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.5px;
      padding: 5px 12px;
      border-radius: 99px;
      cursor: pointer;
      transition: all 0.15s;
    }
    .lang-toggle button.active {
      background: #183866;
      color: #fff;
    }
    .lang-toggle button:not(.active):hover {
      color: #183866;
    }
    .toc-lang-row {
      margin: 0 0 18px;
      display: flex;
      align-items: center;
      justify-content: flex-start;
      gap: 8px;
    }
    .toc-start-over {
      display: block;
      margin-top: 12px;
      padding: 8px 12px;
      background: none;
      border: 1px solid #E0E4EC;
      border-radius: 8px;
      color: #8B95A7;
      font-family: 'Inter', sans-serif;
      font-size: 12px; font-weight: 500;
      cursor: pointer;
      text-align: left;
      width: 100%;
      transition: color 0.15s, border-color 0.15s, background 0.15s;
    }
    /* Muted hover: the confirm dialog is the real safeguard against
       accidental clicks, but the hover shouldn't telegraph "danger" on
       touch devices where hover is fired by tap. */
    .toc-start-over:hover { color: #4A5568; border-color: #C0CCE5; background: #F5F7FA; }
    .progress-toast {
      position: fixed;
      top: 16px; left: 50%; transform: translateX(-50%);
      z-index: 200;
      background: #1A1A2E; color: #fff;
      padding: 10px 16px; border-radius: 999px;
      font-family: 'Inter', sans-serif;
      font-size: 12px; font-weight: 500;
      box-shadow: 0 4px 14px rgba(15, 23, 42, 0.18);
      display: inline-flex; align-items: center; gap: 10px;
      max-width: calc(100vw - 32px);
      opacity: 0;
      pointer-events: none;
      transition: opacity 0.25s;
    }
    .progress-toast.visible { opacity: 1; pointer-events: auto; }
    .progress-toast button {
      background: none; border: none; color: #C0CCE5;
      font-family: 'Inter', sans-serif;
      font-size: 11px; font-weight: 600;
      cursor: pointer; padding: 2px 6px;
    }
    .progress-toast button:hover { color: #fff; }
    .progress-toast .progress-toast-startover {
      color: #fff;
      border: 1px solid rgba(255,255,255,0.35);
      border-radius: 999px;
      padding: 3px 10px;
    }
    .progress-toast .progress-toast-startover:hover {
      background: rgba(255,255,255,0.12);
      border-color: rgba(255,255,255,0.65);
    }
    @media (max-width: 600px) {
      /* Mobile: drop the pill shape and let the message + two action
         buttons stack inside a card. The pill layout crushes the three
         children together at narrow widths. Position below the TOC bar
         so it doesn't sit on top of it. */
      .progress-toast {
        top: 64px;
        left: 12px; right: 12px;
        transform: none;
        max-width: none;
        border-radius: 12px;
        padding: 12px 14px;
        flex-wrap: wrap;
        gap: 8px 12px;
      }
      .progress-toast > span {
        flex: 1 1 100%;
        line-height: 1.4;
      }
      .progress-toast > button {
        flex: 0 0 auto;
      }
      .progress-toast .progress-toast-dismiss {
        margin-left: auto;
      }
    }
    .cover-lang-wrap {
      position: absolute;
      top: 24px;
      right: 24px;
      z-index: 5;
    }

    /* ── Payment method (Check / ACH) ─────────────────────────── */
    .pm-options { display: flex; flex-direction: column; gap: 12px; }
    .pm-option {
      display: flex; align-items: flex-start; gap: 14px;
      padding: 18px 20px; border: 1.5px solid #E0E4EC; border-radius: 12px;
      background: #fff; cursor: pointer; text-align: left; width: 100%;
      font-family: 'Inter', sans-serif; transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
    }
    .pm-option:hover { border-color: #183866; }
    .pm-option.selected { border-color: #183866; background: #EEF3FB; box-shadow: 0 1px 6px rgba(27,79,156,0.08); }
    .pm-option-radio {
      width: 20px; height: 20px; min-width: 20px; border: 1.5px solid #C0C8D8;
      border-radius: 50%; margin-top: 2px; display: flex; align-items: center;
      justify-content: center; flex-shrink: 0; transition: border-color 0.15s;
    }
    .pm-option.selected .pm-option-radio { border-color: #183866; }
    .pm-option.selected .pm-option-radio::after {
      content: ''; width: 10px; height: 10px; border-radius: 50%; background: #183866;
    }
    .pm-option-text { display: flex; flex-direction: column; gap: 4px; }
    .pm-option-title { font-size: 15px; font-weight: 600; color: #1A1A2E; }
    .pm-option-desc { font-size: 13px; font-weight: 400; color: #4A5568; line-height: 1.55; }

    .pm-acct-type { display: flex; gap: 8px; flex-wrap: wrap; }
    .pm-acct-type-btn {
      padding: 8px 18px; border: 1.5px solid #E0E4EC; border-radius: 99px;
      background: #fff; color: #4A5568;
      font-family: 'Inter', sans-serif; font-size: 13px; font-weight: 600;
      cursor: pointer; transition: all 0.15s;
    }
    .pm-acct-type-btn:hover { border-color: #183866; color: #183866; }
    .pm-acct-type-btn.selected { background: #183866; color: #fff; border-color: #183866; }

    .pm-altaddr-toggle {
      display: inline-flex; align-items: center; gap: 10px;
      cursor: pointer; user-select: none;
      font-family: 'Inter', sans-serif; font-size: 13px; font-weight: 500; color: #4A5568;
      padding: 6px 0;
    }
    .pm-altaddr-toggle[hidden] { display: none; }
    .pm-altaddr-toggle input[type="checkbox"] { position: absolute; opacity: 0; pointer-events: none; }
    .pm-altaddr-checkbox {
      width: 18px; height: 18px; border: 1.5px solid #C0C8D8; border-radius: 4px;
      display: inline-flex; align-items: center; justify-content: center;
      transition: background 0.15s, border-color 0.15s;
      flex-shrink: 0;
    }
    .pm-altaddr-toggle input[type="checkbox"]:checked + .pm-altaddr-checkbox {
      background: #183866; border-color: #183866;
    }
    .pm-altaddr-toggle input[type="checkbox"]:checked + .pm-altaddr-checkbox::after {
      content: ''; display: block; width: 5px; height: 9px;
      border: solid #fff; border-width: 0 2px 2px 0;
      transform: rotate(45deg) translate(-1px, -1px);
    }
    .pm-altaddr-toggle:hover .pm-altaddr-checkbox { border-color: #183866; }

    /* ── Audio narration player ──────────────────────────────────── */
    .audio-player-wrap {
      margin: 0 0 18px;
    }
    .audio-player-label {
      display: flex; align-items: center; justify-content: space-between;
      gap: 8px;
      margin: 0 0 9px;
      font-family: 'Inter', sans-serif;
      font-size: 11px; font-weight: 500;
      color: #8B95A7;
    }
    .audio-player-time {
      font-variant-numeric: tabular-nums;
      font-weight: 500;
      color: #8B95A7;
    }
    .audio-player {
      display: flex; align-items: center;
      gap: 10px;
      padding: 6px 10px;
      border: 1px solid #E0E4EC;
      border-radius: 999px;
      background: #fff;
    }
    .audio-play-btn {
      width: 28px; height: 28px;
      flex-shrink: 0;
      border-radius: 50%;
      border: none;
      background: #1A1A2E;
      color: #fff;
      display: flex; align-items: center; justify-content: center;
      cursor: pointer;
      transition: background 0.15s, transform 0.1s;
    }
    .audio-play-btn:hover { background: #183866; }
    .audio-play-btn:active { transform: scale(0.95); }
    .audio-play-btn svg { width: 12px; height: 12px; }
    .audio-icon-pause { display: none; }
    .audio-player.playing .audio-icon-play { display: none; }
    .audio-player.playing .audio-icon-pause { display: block; }

    /* Two stacked bar layers: a base gray waveform and a dark "fill"
       waveform with identical content, the fill clipped via clip-path
       to the playhead percentage. clip-path animates so the progress
       slides continuously instead of flipping bar-by-bar. */
    .audio-bars {
      position: relative;
      flex: 1;
      height: 22px;
      min-width: 0;
      cursor: pointer;
      touch-action: none; /* let pointermove drive scrub instead of scrolling */
    }
    .audio-bars:hover .audio-bars-base .audio-bar { background: #A8B2C3; }
    .audio-bars-base, .audio-bars-fill {
      position: absolute;
      inset: 0;
      display: flex; align-items: center;
      gap: 2px;
    }
    .audio-bars-fill {
      clip-path: inset(0 100% 0 0);
      transition: clip-path 0.18s linear;
      pointer-events: none;
    }
    /* Bars distribute across the full pill width via flex:1, capped at
       a sensible per-bar width so a wide container doesn't yield
       chunky paddle-shaped bars. No max-width = bars fill the row. */
    .audio-bar {
      flex: 1 1 0;
      min-width: 2px;
      border-radius: 2px;
    }
    .audio-bars-base .audio-bar { background: #C0C8D8; }
    .audio-bars-fill .audio-bar { background: #1A1A2E; }

    @media (max-width: 600px) {
      .audio-player { padding: 5px 8px; gap: 8px; }
      .audio-play-btn { width: 26px; height: 26px; }
      .audio-bars { height: 20px; }
      /* 96 bars with 2px gap + 2px min-width = ~382px minimum content;
         on a ~360px phone that overflows the pill. Tighten both. */
      .audio-bars-base, .audio-bars-fill { gap: 1px; }
      .audio-bar { min-width: 1px; }
    }

    /* ── PDF preview (W-9 + NDA review stages) ─────────────────────
       Inline PDF.js render: each page is appended as a canvas inside
       .pdf-preview-doc, which is a scrollable container. This works
       on iOS Safari where iframes only show the first PDF page. */
    .pdf-preview-wrap { margin-bottom: 24px; }
    .pdf-preview-doc {
      display: block; width: 100%;
      height: clamp(420px, 60vh, 720px);
      border: 1.5px solid #E0E4EC; border-radius: 8px;
      background: #FAFAFA;
      padding: 12px;
      box-sizing: border-box;
      overflow-y: auto;
      overflow-x: hidden;
      -webkit-overflow-scrolling: touch;
    }
    .pdf-preview-page {
      display: block;
      margin: 0 auto 12px;
      box-shadow: 0 1px 4px rgba(15, 23, 42, 0.10);
      background: #fff;
      max-width: 100%;
      height: auto;
    }
    .pdf-preview-page:last-child { margin-bottom: 0; }

    .sig-mode-tabs {
      display: flex;
      gap: 0;
      border: 1.5px solid #E0E4EC;
      border-radius: 8px 8px 0 0;
      overflow: hidden;
      border-bottom: none;
    }
    .sig-mode-tab {
      flex: 1;
      padding: 9px 0;
      background: #F5F7FA;
      border: none;
      font-family: 'Inter', sans-serif;
      font-size: 12px;
      font-weight: 600;
      color: #8B95A7;
      cursor: pointer;
      transition: background 0.15s, color 0.15s;
      letter-spacing: 0.2px;
    }
    .sig-mode-tab.active {
      background: #fff;
      color: #183866;
      border-bottom: 2px solid #183866;
    }
    .sig-type-wrap {
      border: 1.5px solid #E0E4EC;
      border-radius: 0 0 8px 8px;
      background: #fff;
      padding: 16px;
    }
    .sig-type-input {
      width: 100%;
      border: none;
      border-bottom: 1.5px solid #E0E4EC;
      background: transparent;
      font-family: 'Dancing Script', cursive, 'Inter', sans-serif;
      font-size: 26px;
      color: #1A1A2E;
      outline: none;
      padding: 8px 0;
      transition: border-color 0.2s;
      box-sizing: border-box;
    }
    .sig-type-input:focus { border-bottom-color: #183866; }
    .sig-type-input::placeholder { font-family: 'Inter', sans-serif;
      font-size: 14px; color: #A0AEC0; }
    .sig-type-hint {
      font-size: 11px; color: #A0AEC0; margin: 6px 0 0;
      font-weight: 300; font-style: italic;
    }

    .ssn-wrap-inner {
      position: relative;
      display: flex;
      align-items: center;
    }
    .ssn-toggle-btn {
      position: absolute;
      right: 0;
      background: none;
      border: none;
      padding: 4px 6px;
      cursor: pointer;
      color: #8B95A7;
      font-family: 'Inter', sans-serif;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.3px;
      transition: color 0.15s;
    }
    .ssn-toggle-btn:hover { color: #183866; }

    .pdf-preview-skeleton {
      width: 100%;
      height: 100%;
      min-height: 340px;
      background: linear-gradient(
        90deg,
        #F0F2F6 25%,
        #E4E7ED 37%,
        #F0F2F6 63%
      );
      background-size: 400% 100%;
      animation: skeleton-sweep 1.4s ease infinite;
      border-radius: 4px;
    }
    @keyframes skeleton-sweep {
      0% { background-position: 100% 50%; }
      100% { background-position: 0% 50%; }
    }
    .pdf-open-link {
      display: inline-flex; align-items: center; gap: 6px;
      margin-top: 10px;
      font-family: 'Inter', sans-serif;
      font-size: 13px; font-weight: 600;
      color: #183866; text-decoration: none;
      border-bottom: 1px solid transparent;
      transition: border-bottom-color 0.15s;
    }
    .pdf-open-link::after {
      content: ''; width: 12px; height: 12px;
      background: no-repeat center/contain;
      background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231B4F9C' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><path d='M18 13v6a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2h6'/><polyline points='15 3 21 3 21 9'/><line x1='10' y1='14' x2='21' y2='3'/></svg>");
    }
    .pdf-open-link:hover { border-bottom-color: #183866; }
    @media (max-width: 600px) {
      .pdf-preview-doc { height: clamp(340px, 55vh, 520px); padding: 8px; }
      .pdf-preview-page { margin-bottom: 8px; }
    }

    /* ── License / passport photo upload ───────────────────────── */
    .lic-uploader { display: flex; flex-direction: column; gap: 12px; }
    .lic-uploader[hidden] { display: none; }
    .lic-card {
      border: 1.5px solid #E0E4EC;
      border-radius: 12px;
      background: #fff;
      overflow: hidden;
      transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
    }
    .lic-card:hover { border-color: #183866; box-shadow: 0 2px 10px rgba(27, 79, 156, 0.07); }
    .lic-card.uploaded {
      background: #F0F7EE; border-color: #2D7A4F;
    }
    .lic-card.uploaded:hover { box-shadow: 0 2px 10px rgba(45, 122, 79, 0.10); }
    .lic-card.lic-error { border-color: #e53e3e; background: #FDF4F4; }
    .lic-card.lic-error:hover { border-color: #e53e3e; box-shadow: 0 2px 10px rgba(229, 62, 62, 0.10); }
    .lic-tap-area {
      display: block;
      padding: 18px 20px;
      cursor: pointer;
      margin: 0;
    }
    .lic-input { display: none; }

    .lic-empty, .lic-filled {
      display: flex; align-items: center; gap: 14px;
    }
    /* Respect the [hidden] attribute (display:flex above otherwise overrides it). */
    .lic-empty[hidden], .lic-filled[hidden] { display: none; }
    .lic-icon {
      width: 38px; height: 38px;
      flex-shrink: 0;
      color: #183866;
    }
    .lic-text { flex: 1; min-width: 0; }
    .lic-title {
      font-size: 14px; font-weight: 600; color: #1A1A2E;
      margin: 0 0 2px;
    }
    .lic-sub {
      font-size: 12px; font-weight: 400; color: #8B95A7;
      margin: 0;
    }
    .lic-check {
      width: 34px; height: 34px;
      border-radius: 50%;
      background: #2D7A4F; color: #fff;
      display: flex; align-items: center; justify-content: center;
      font-size: 17px; font-weight: 700;
      flex-shrink: 0;
    }
    .lic-filename {
      font-size: 12px; color: #4A5568;
      margin: 0;
      overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
    }
    .lic-replace {
      font-family: 'Inter', sans-serif;
      font-size: 12px; font-weight: 600;
      color: #183866;
      background: #fff;
      border: 1.5px solid #183866;
      border-radius: 99px;
      padding: 5px 14px;
      cursor: pointer;
      white-space: nowrap;
      flex-shrink: 0;
      transition: background 0.15s, color 0.15s;
    }
    .lic-replace:hover { background: #183866; color: #fff; }

    @media (max-width: 600px) {
      .lic-tap-area { padding: 16px; }
      .lic-icon { width: 32px; height: 32px; }
      .lic-title { font-size: 13px; }
      .lic-sub { font-size: 11px; }
    }
    @media (max-width: 600px) {
      .cover-lang-wrap { top: 14px; right: 14px; }
      .lang-toggle button { font-size: 10px; padding: 4px 10px; }
    }
    .toc-brand {
      font-size: 13px;
      font-weight: 700;
      color: #183866;
      letter-spacing: -0.1px;
      margin: 0 0 2px;
    }
    .toc-subbrand {
      font-size: 12px;
      font-weight: 400;
      color: #8B95A7;
      margin: 0;
      letter-spacing: 0;
    }
    .toc-label {
      font-size: 12px;
      font-weight: 600;
      color: #6B778A;
      letter-spacing: 0;
      margin: 0 0 10px;
    }
    .toc-list {
      display: flex;
      flex-direction: column;
      gap: 2px;
      list-style: none;
      padding: 0;
      margin: 0 0 20px;
    }
    .toc-item {
      display: flex;
      align-items: flex-start;
      gap: 12px;
      padding: 10px 10px 10px 8px;
      border-radius: 6px;
      cursor: default;
      font-size: 13px;
      font-weight: 400;
      color: #8B95A7;
      line-height: 1.4;
      transition: all 0.15s;
      position: relative;
      text-align: left;
      border: none;
      background: transparent;
      width: 100%;
      font-family: 'Inter', sans-serif;
    }
    .toc-item.completed {
      color: #4A5568;
      cursor: pointer;
    }
    .toc-item.completed:hover {
      background: #EEF3FB;
      color: #183866;
    }
    .toc-edit-hint {
      margin-left: auto;
      font-size: 11px;
      font-weight: 500;
      color: #183866;
      opacity: 0;
      transition: opacity 0.15s;
      flex-shrink: 0;
      align-self: center;
    }
    .toc-item.completed:hover .toc-edit-hint { opacity: 0.85; }
    /* Title + pill stack vertically inside this column so a long title
       (e.g. "Confidentiality Agreement") doesn't squeeze the pill into
       overflowing the 320px rail. min-width:0 lets the title wrap. */
    .toc-item-body {
      flex: 1;
      min-width: 0;
      display: flex;
      flex-direction: column;
      align-items: flex-start;
      gap: 6px;
      padding-top: 2px;
    }
    /* Small green "Signed" pill on completed signature steps (NDA, W-9). */
    .toc-signed-pill {
      display: inline-block;
      padding: 2px 8px;
      font-size: 9px;
      font-weight: 700;
      color: #2D7A4F;
      background: #E8F5ED;
      border: 1px solid #C4E3D1;
      border-radius: 99px;
      text-transform: uppercase;
      letter-spacing: 0.5px;
      flex-shrink: 0;
      max-width: 100%;
    }

    /* "Awaiting signature" pill on signature steps the user hasn't signed
       yet - grey when locked / future, orange when the user is on it. */
    .toc-awaiting-pill {
      display: inline-block;
      padding: 2px 8px;
      font-size: 9px;
      font-weight: 700;
      color: #8B95A7;
      background: #F1F4F9;
      border: 1px solid #E0E4EC;
      border-radius: 99px;
      text-transform: uppercase;
      letter-spacing: 0.5px;
      flex-shrink: 0;
      max-width: 100%;
    }
    .toc-awaiting-pill--current {
      color: #C2410C;
      background: #FFEDD5;
      border-color: #FDBA74;
    }
    .toc-item.current {
      color: #1A1A2E;
      font-weight: 600;
      background: #EEF3FB;
    }
    .toc-item.current::before {
      content: "";
      position: absolute;
      left: -28px;
      top: 12px;
      bottom: 12px;
      width: 3px;
      background: #183866;
      border-radius: 0 99px 99px 0;
    }
    .toc-item.locked {
      color: #6B778A;
      cursor: not-allowed;
    }
    .toc-marker {
      width: 20px;
      height: 20px;
      border-radius: 50%;
      flex-shrink: 0;
      margin-top: 1px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 10px;
      font-weight: 700;
      transition: all 0.2s;
    }
    .toc-item.completed .toc-marker {
      background: #183866;
      color: #fff;
    }
    .toc-item.current .toc-marker {
      background: #fff;
      border: 1.5px solid #183866;
      color: #183866;
    }
    .toc-item.locked .toc-marker {
      background: transparent;
      border: 1.5px solid #E0E4EC;
      color: #C0C8D8;
    }
    .toc-num {
      font-size: 10px;
      font-variant-numeric: tabular-nums;
    }
    .toc-check {
      font-size: 11px;
    }
    .toc-title {
      display: block;
      width: 100%;
    }
    .toc-divider {
      height: 1px;
      background: #E0E4EC;
      margin: 10px 0;
    }

    /* Mobile/tablet: sticky top bar (shown when rail is not) */
    #toc-mobile-bar {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 100;
      background: rgba(255, 255, 255, 0.97);
      backdrop-filter: blur(14px);
      -webkit-backdrop-filter: blur(14px);
      border-bottom: 1px solid #E0E4EC;
      display: none;
      padding-top: env(safe-area-inset-top, 0);
    }
    #toc-mobile-bar.visible { display: block; }
    @media (min-width: 900px) {
      /* Hide mobile bar on desktop - rail handles it */
      #toc-mobile-bar.visible { display: none; }
    }
    #toc-mobile-inner {
      display: flex;
      align-items: center;
      gap: 12px;
      padding: 13px 18px;
      cursor: pointer;
      user-select: none;
    }
    .toc-mobile-count {
      font-size: 10px;
      font-weight: 700;
      color: #183866;
      background: #EEF3FB;
      padding: 4px 8px;
      border-radius: 99px;
      letter-spacing: 0.5px;
      flex-shrink: 0;
      font-variant-numeric: tabular-nums;
    }
    .toc-mobile-title {
      flex: 1;
      font-size: 13px;
      font-weight: 600;
      color: #1A1A2E;
      white-space: nowrap;
      overflow: hidden;
      text-overflow: ellipsis;
      letter-spacing: -0.1px;
    }
    .toc-mobile-arrow {
      color: #183866;
      font-size: 10px;
      font-weight: 800;
      flex-shrink: 0;
      transition: transform 0.25s;
    }
    .toc-mobile-arrow.open { transform: rotate(180deg); }

    /* Mobile overlay backdrop */
    #toc-overlay-backdrop {
      position: fixed;
      top: 0; left: 0; right: 0; bottom: 0;
      background: rgba(26, 26, 46, 0.4);
      z-index: 200;
      opacity: 0;
      pointer-events: none;
      transition: opacity 0.25s;
    }
    #toc-overlay-backdrop.open {
      opacity: 1;
      pointer-events: auto;
    }

    /* Mobile overlay panel */
    #toc-overlay {
      position: fixed;
      top: 0; left: 0; right: 0;
      z-index: 201;
      background: #fff;
      max-height: 80vh;
      overflow-y: auto;
      transform: translateY(-100%);
      transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
      border-bottom: 1px solid #E0E4EC;
      padding-top: env(safe-area-inset-top, 0);
      box-shadow: 0 8px 32px rgba(26, 26, 46, 0.08);
    }
    #toc-overlay.open {
      transform: translateY(0);
    }
    #toc-overlay-inner {
      padding: 18px 20px 28px;
    }
    .toc-overlay-header {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding-bottom: 16px;
      border-bottom: 1px solid #E0E4EC;
      margin-bottom: 16px;
    }
    .toc-overlay-title {
      font-size: 14px;
      font-weight: 600;
      color: #183866;
      letter-spacing: 0;
    }
    .toc-overlay-close {
      background: none;
      border: none;
      font-size: 18px;
      color: #4A5568;
      cursor: pointer;
      padding: 4px 8px;
      font-family: 'Inter', sans-serif;
      line-height: 1;
    }

    .screen { display: none !important; }
    .screen.active { display: block !important; }

    /* ═══ PIN ENTRY SCREEN ══════════════════════════════════════════════ */
    #screen-role-check { display: none !important; }
    #screen-role-check.active { display: flex !important; }
    #screen-role-check {
      min-height: 100vh;
      align-items: center;
      justify-content: center;
      padding: 80px 24px 48px;
      background: #F5F7FA;
    }
    #role-check-inner {
      width: 100%;
      max-width: 440px;
      opacity: 0;
      transform: translateY(16px);
      transition: all 0.45s cubic-bezier(0.4,0,0.2,1);
    }
    #role-check-inner.anim-in { opacity: 1; transform: translateY(0); }
    .rc-card {
      background: #fff;
      border: 1px solid #E0E4EC;
      border-radius: 16px;
      padding: 48px 40px 40px;
      box-shadow: 0 1px 2px rgba(26,26,46,0.04);
      display: flex;
      flex-direction: column;
      align-items: center;
      text-align: center;
    }
    .rc-logo-row {
      display: flex;
      justify-content: center;
      margin-bottom: 18px;
    }
    .rc-logo {
      height: 90px;
      width: auto;
    }
    .rc-eyebrow {
      font-size: 10px;
      font-weight: 700;
      color: #183866;
      text-transform: uppercase;
      letter-spacing: 1.6px;
      margin: 0 0 32px;
    }
    .pin-boxes {
      display: flex;
      gap: 14px;
      justify-content: center;
      margin-bottom: 28px;
    }
    .pin-box {
      width: 60px;
      height: 60px;
      border: 2px solid #C5CFDE;
      border-radius: 10px;
      font-family: 'Inter', sans-serif;
      font-size: 24px;
      font-weight: 700;
      color: #1A1A2E;
      text-align: center;
      background: #fff;
      outline: none;
      transition: border-color 0.2s;
      -webkit-appearance: none;
      appearance: none;
    }
    .pin-box:focus {
      border-color: #183866;
    }
    .pin-box.pin-correct {
      border-color: #22A952;
      transition: border-color 0.2s;
    }
    .pin-box.pin-error {
      border-color: #E53935;
    }
    @keyframes pin-shake {
      0%, 100% { transform: translateX(0); }
      20%       { transform: translateX(-6px); }
      40%       { transform: translateX(6px); }
      60%       { transform: translateX(-4px); }
      80%       { transform: translateX(4px); }
    }
    .pin-boxes.shake {
      animation: pin-shake 0.4s ease;
    }
    #pin-begin-wrap {
      min-height: 48px;
      display: flex;
      justify-content: center;
    }
    .pin-begin-btn {
      background: #183866;
      color: #fff;
      border: none;
      border-radius: 10px;
      padding: 14px 32px;
      font-family: 'Inter', sans-serif;
      font-size: 15px;
      font-weight: 700;
      cursor: pointer;
      letter-spacing: -0.2px;
      opacity: 0;
      pointer-events: none;
      transition: opacity 0.3s ease;
    }
    .pin-begin-btn.visible {
      opacity: 1;
      pointer-events: auto;
    }
    .pin-begin-btn:hover { background: #163f7d; }

    @media (max-width: 600px) {
      #screen-role-check { padding-top: 40px; align-items: flex-start; }
      .rc-card { padding: 36px 24px 32px; }
      .rc-logo { height: 70px; }
      .pin-box { width: 52px; height: 52px; font-size: 20px; }
    }

    /* ═══ DOCUMENT COVER (Welcome, Step 1) ═══════════════════════════════ */
    #screen-welcome { display: none !important; }
    #screen-welcome.active { display: block !important; }
    #screen-welcome {
      min-height: 100vh;
      padding: 0;
      background: #fff;
    }
    .screen-cover {
      max-width: 1040px;
      margin: 0 auto;
      padding: 48px 40px 48px;
      opacity: 0;
      transform: translateY(16px);
      transition: all 0.5s cubic-bezier(0.4,0,0.2,1);
      position: relative;
    }
    .screen-cover.anim-in { opacity: 1; transform: translateY(0); }
    .cover-head {
      display: flex;
      justify-content: space-between;
      align-items: flex-start;
      padding-bottom: 28px;
      margin-bottom: 48px;
      border-bottom: 1px solid #E0E4EC;
      gap: 20px;
    }
    .cover-brand-row {
      display: flex;
      align-items: center;
      gap: 14px;
    }
    .cover-logo { height: 38px; width: auto; }
    .cover-brand-name {
      font-size: 14px;
      font-weight: 700;
      color: #1A1A2E;
      margin: 0;
      letter-spacing: -0.1px;
    }
    .cover-brand-sub {
      font-size: 11px;
      font-weight: 400;
      color: #4A5568;
      margin: 2px 0 0;
    }
    .cover-meta {
      text-align: right;
      flex-shrink: 0;
    }
    .cover-meta-label {
      display: block;
      font-size: 10px;
      font-weight: 700;
      color: #6B778A;
      text-transform: uppercase;
      letter-spacing: 1.4px;
      margin-bottom: 3px;
    }
    .cover-meta-value {
      font-size: 12px;
      font-weight: 600;
      color: #1A1A2E;
      font-variant-numeric: tabular-nums;
    }
    .cover-body {
      display: grid;
      grid-template-columns: 1.3fr 1fr;
      column-gap: 64px;
      row-gap: 0;
      margin-bottom: 52px;
    }
    .cover-left {
      grid-column: 1;
      grid-row: 1;
    }
    .cover-right {
      grid-column: 2;
      grid-row: 1 / 3;
    }
    .cover-actions {
      grid-column: 1;
      grid-row: 2;
      display: flex;
      flex-direction: column;
    }
    .cover-change-role {
      margin-top: auto;
      align-self: flex-start;
    }
    .cover-eyebrow {
      font-size: 13px;
      font-weight: 600;
      color: #183866;
      letter-spacing: 0;
      margin: 0 0 20px;
    }
    .cover-title {
      font-size: 36px;
      font-weight: 800;
      color: #1A1A2E;
      line-height: 1.15;
      letter-spacing: -0.8px;
      margin: 0 0 20px;
    }
    .cover-lede {
      font-size: 15px;
      font-weight: 400;
      color: #4A5568;
      line-height: 1.75;
      margin: 0 0 36px;
      max-width: 520px;
    }
    .cover-stats {
      display: flex;
      gap: 32px;
      padding-top: 24px;
      border-top: 1px solid #E0E4EC;
    }
    .cover-stat {
      display: flex;
      flex-direction: row;
      align-items: baseline;
      gap: 10px;
    }
    .cover-stat-value {
      font-size: 28px;
      font-weight: 800;
      color: #183866;
      line-height: 1;
      letter-spacing: -0.5px;
      font-variant-numeric: tabular-nums;
    }
    .cover-stat-label {
      font-size: 13px;
      font-weight: 500;
      color: #4A5568;
      letter-spacing: 0;
    }
    .cover-right {
      padding: 28px 28px 24px;
      background: #FAFBFD;
      border: 1px solid #E0E4EC;
      border-radius: 14px;
    }
    .cover-toc-label {
      font-size: 13px;
      font-weight: 600;
      color: #183866;
      letter-spacing: 0;
      margin: 0 0 18px;
    }
    .cover-toc-list {
      list-style: none;
      padding: 0;
      margin: 0;
      display: flex;
      flex-direction: column;
      gap: 0;
      counter-reset: tocItem;
    }
    .cover-toc-list li {
      display: flex;
      align-items: flex-start;
      gap: 14px;
      padding: 12px 0;
      font-size: 13px;
      font-weight: 500;
      color: #1A1A2E;
      line-height: 1.4;
      border-bottom: 1px solid #E0E4EC;
    }
    .cover-toc-list li:last-child { border-bottom: none; }
    .cover-toc-list li.cover-toc-final {
      margin-top: 8px;
      padding-top: 18px;
      border-top: 1.5px solid #18386620;
      color: #183866;
      font-weight: 700;
    }
    .cover-toc-num {
      font-size: 11px;
      font-weight: 700;
      color: #8B95A7;
      width: 20px;
      flex-shrink: 0;
      padding-top: 1px;
      font-variant-numeric: tabular-nums;
    }
    .cover-toc-list li.cover-toc-final .cover-toc-num {
      color: #183866;
    }
    .cover-begin {
      display: flex;
      flex-direction: column;
      align-items: flex-start;
      gap: 16px;
      padding-top: 32px;
      border-top: 1px solid #E0E4EC;
    }
    .cover-id-label {
      display: block;
      font-size: 10px;
      font-weight: 700;
      color: #183866;
      text-transform: uppercase;
      letter-spacing: 1.4px;
      margin-bottom: 8px;
    }
    .cover-id-input {
      width: 100%;
      padding: 10px 0;
      border: none;
      border-bottom: 1.5px solid #C0C8D8;
      background: transparent;
      font-family: 'Inter', sans-serif;
      font-size: 15px;
      font-weight: 500;
      color: #183866;
      outline: none;
      transition: border-color 0.2s;
    }
    .cover-id-input:focus { border-bottom-color: #183866; }
    .cover-id-input::placeholder {
      color: #A0AEC0;
      font-weight: 300;
    }
    .cover-id-msg {
      font-size: 12px;
      margin: 6px 0 0;
    }
    .cover-id-msg.error { color: #E5307E; }
    .cover-begin-btn {
      padding: 14px 28px;
      background: #183866;
      color: #fff;
      border: none;
      border-radius: 8px;
      font-family: 'Inter', sans-serif;
      font-size: 14px;
      font-weight: 600;
      letter-spacing: 0.2px;
      cursor: pointer;
      transition: all 0.2s;
      white-space: nowrap;
    }
    .cover-begin-btn:hover { background: #163f7d; transform: translateY(-1px); }
    .cover-begin-btn:disabled {
      background: #E0E4EC;
      color: #8B95A7;
      cursor: not-allowed;
      transform: none;
    }
    .cover-change-role {
      background: none;
      border: none;
      color: #4A5568;
      font-size: 12px;
      font-weight: 500;
      cursor: pointer;
      padding: 0;
      font-family: 'Inter', sans-serif;
    }
    .cover-change-role:hover { color: #183866; text-decoration: underline; }

    @media (max-width: 900px) {
      .screen-cover { padding: 36px 24px 40px; }
      .cover-body {
        grid-template-columns: 1fr;
        gap: 28px;
        margin-bottom: 36px;
      }
      .cover-left  { grid-column: 1; grid-row: 1; }
      .cover-right { grid-column: 1; grid-row: 2; }
      .cover-actions { grid-column: 1; grid-row: 3; }
      .cover-change-role { margin-top: 16px; }
      .cover-title { font-size: 28px; }
      .cover-lede { font-size: 14px; }
      .cover-stats { gap: 24px; }
      .cover-stat-value { font-size: 24px; }
    }
    @media (max-width: 600px) {
      .screen-cover { padding: 28px 18px 36px; }
      .cover-head {
        flex-direction: column;
        align-items: flex-start;
        padding-bottom: 20px;
        margin-bottom: 32px;
      }
      .cover-meta { text-align: left; }
      .cover-title { font-size: 24px; letter-spacing: -0.5px; }
      .cover-lede { font-size: 13px; margin-bottom: 28px; }
      .cover-stats {
        flex-wrap: wrap;
        gap: 20px 32px;
        padding-top: 20px;
      }
      .cover-stat-value { font-size: 22px; }
      .cover-right { padding: 22px 22px 18px; }
      .cover-toc-list li { font-size: 12px; padding: 10px 0; }
      .cover-begin {
        flex-direction: column;
        align-items: stretch;
        gap: 24px;
        padding-top: 24px;
      }
      .cover-begin-left { max-width: none; }
      .cover-begin-right {
        align-items: stretch;
      }
      .cover-begin-btn { width: 100%; padding: 14px; }
      .cover-change-role { text-align: center; }
    }

    .field-label {
      font-size: 11px; font-weight: 700; color: #183866;
      display: block; margin-bottom: 8px;
      text-transform: uppercase; letter-spacing: 1px;
    }
    .field-input {
      width: 100%; padding: 12px 0; border: none;
      border-bottom: 1.5px solid #E0E4EC; border-radius: 0;
      font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 400;
      color: #183866; outline: none; background: transparent;
      transition: border-color 0.2s;
    }
    .field-input:focus { border-bottom-color: #183866; }
    .field-msg { font-size: 12px; margin: 6px 0 0; }
    .field-msg.error { color: #E5307E; }
    .field-msg.success { color: #2D7A4F; font-weight: 500; }

    .btn-primary {
      width: 100%; padding: 15px; background: #E0E4EC; color: #4A5568;
      border: none; border-radius: 8px; font-size: 14px; font-weight: 600;
      letter-spacing: 0.3px; cursor: not-allowed; transition: all 0.3s;
    }
    .btn-primary.active { background: #183866; color: #fff; cursor: pointer; }

    .btn-back {
      padding: 15px 24px; background: #fff; color: #4A5568;
      border: 1px solid #E0E4EC; border-radius: 8px;
      font-size: 14px; font-weight: 600; cursor: pointer;
      transition: all 0.2s; flex-shrink: 0;
    }
    .btn-back:hover { border-color: #183866; color: #183866; }

    .doc-screen {
      max-width: 680px; margin: 0 auto; padding: 72px 24px 80px;
      opacity: 0; transform: translateY(18px);
      transition: all 0.5s cubic-bezier(0.4,0,0.2,1);
    }
    .doc-screen.anim-in { opacity: 1; transform: translateY(0); }
    @media (min-width: 900px) {
      .doc-screen {
        margin: 0 auto 0 320px;
        padding: 64px 48px 80px;
        max-width: 720px;
      }
    }
    .doc-title { font-size: 28px; font-weight: 800; color: #1A1A2E; line-height: 1.15; letter-spacing: -0.5px; margin: 0 0 6px; }
    .doc-subtitle { font-size: 14px; font-weight: 400; color: #4A5568; margin: 0 0 16px; }
    .doc-rule { width: 36px; height: 2px; background: #183866; border-radius: 99px; }

    .section {
      margin: 0 -14px 36px;
      padding: 12px 14px;
      border-radius: 10px;
      transition: background-color 0.45s ease;
      scroll-margin-top: 90px;
    }
    .section-heading {
      font-size: 17px; font-weight: 700; color: #183866;
      letter-spacing: -0.1px;
      margin: 0 0 16px;
    }
    .section-body { font-size: 14px; font-weight: 400; color: #1A1A2E; line-height: 1.85; margin: 0 0 16px; }
    .section-body2 { font-size: 14px; font-weight: 400; color: #1A1A2E; line-height: 1.85; margin: 16px 0 0; }
    .section-note { font-size: 12px; font-weight: 300; font-style: italic; color: #4A5568; margin: 12px 0 0; line-height: 1.65; }
    .callout {
      background: #EEF3FB; border-left: 3px solid #183866;
      border-radius: 0 12px 12px 0; padding: 16px 20px; margin: 0 0 14px;
    }
    .callout p { font-size: 14px; font-weight: 500; color: #183866; line-height: 1.7; margin: 0; }
    .callout--danger {
      background: #FEF2F2;
      border-left-color: #DC2626;
    }
    .callout--danger p {
      color: #991B1B;
    }

    .items-list { display: flex; flex-direction: column; }
    .item-row {
      border-bottom: 1px solid #E0E4EC; padding: 14px 0;
      display: flex; gap: 16px; align-items: flex-start;
    }
    .item-dot {
      display: none;
    }
    .item-title { font-size: 13px; font-weight: 700; color: #1A1A2E; margin: 0 0 3px; }
    .item-desc { font-size: 13px; font-weight: 400; color: #4A5568; margin: 0; line-height: 1.7; }

    .bullet-list { display: flex; flex-direction: column; gap: 6px; }
    .bullet-item {
      border-bottom: 1px solid #E0E4EC;
      padding: 13px 0;
      font-size: 13px; font-weight: 400; color: #1A1A2E; line-height: 1.7;
    }

    .data-table { border-radius: 12px; overflow: hidden; border: 1px solid #E0E4EC; width: 100%; }
    .data-table table { width: 100%; border-collapse: collapse; }
    .data-table thead tr { background: #183866; }
    .data-table th { font-size: 11px; font-weight: 700; color: #fff; padding: 12px 16px; text-align: left; letter-spacing: 0.5px; }
    .data-table td { padding: 12px 16px; font-size: 13px; }
    .data-table tr:nth-child(odd) td { background: #F5F7FA; }
    .data-table tr:nth-child(even) td { background: #fff; }
    .td-period { font-weight: 600; color: #183866; }
    .td-due { font-weight: 400; color: #1A1A2E; }
    .td-covers { font-weight: 300; color: #4A5568; }

    .se-breakdown { border-radius: 12px; overflow: hidden; border: 1px solid #E0E4EC; }
    .se-row {
      display: flex; justify-content: space-between; align-items: center;
      padding: 14px 20px;
    }
    .se-row + .se-row { border-top: 1px solid #E0E4EC; }
    .se-row.bold { background: #183866; }
    .se-row:not(.bold):nth-child(odd) { background: #F5F7FA; }
    .se-row:not(.bold):nth-child(even) { background: #fff; }
    .se-label { font-size: 13px; font-weight: 300; color: #1A1A2E; }
    .se-label.bold { font-weight: 700; color: #fff; }
    .se-rate { font-size: 14px; font-weight: 800; color: #183866; }
    .se-rate.bold { font-size: 16px; color: #fff; }

    .two-col-compare { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 14px; }
    .compare-col {
      border-radius: 14px;
      padding: 22px 24px;
      border: 1px solid rgba(15, 23, 42, 0.06);
      box-shadow: 0 1px 6px rgba(15, 23, 42, 0.05);
    }
    .compare-col-label {
      font-size: 14px; font-weight: 700; letter-spacing: 0;
      margin: 0 0 16px; padding-bottom: 12px;
      border-bottom: 1px solid rgba(15, 23, 42, 0.08);
    }
    .compare-item { display: flex; gap: 10px; margin-bottom: 10px; align-items: flex-start; }
    .compare-item:last-child { margin-bottom: 0; }
    .compare-dot { width: 5px; height: 5px; border-radius: 50%; margin-top: 8px; flex-shrink: 0; }
    .compare-text { font-size: 13px; font-weight: 400; color: #1A1A2E; line-height: 1.6; }
    @media (max-width: 600px) {
      .two-col-compare { gap: 12px; }
      .compare-col { padding: 18px 18px; }
    }

    .contacts-list { display: flex; flex-direction: column; gap: 10px; }
    .contact-row {
      border-left: 3px solid #E5307E;
      border-radius: 0 12px 12px 0;
      padding: 16px 20px;
      background: #F5F7FA;
      border-top: 1px solid #E0E4EC;
      border-right: 1px solid #E0E4EC;
      border-bottom: 1px solid #E0E4EC;
      display: flex; justify-content: space-between;
      align-items: center; gap: 12px; flex-wrap: wrap;
    }
    .contact-row .contact-main { flex: 1; min-width: 0; }
    .contact-row.highlight {
      background: #EEF3FB; border-left-color: #183866;
      border-top-color: #18386640; border-right-color: #18386640; border-bottom-color: #18386640;
    }
    .contact-row.emergency {
      background: #FDECEC; border-left-color: #D63838;
      border-top-color: #D6383840; border-right-color: #D6383840; border-bottom-color: #D6383840;
    }
    .contact-row.emergency .contact-phone { color: #D63838; }
    .contact-row.emergency .contact-role { color: #7A1F1F; }
    .contact-role { font-size: 13px; font-weight: 700; color: #1A1A2E; margin: 0 0 4px; word-wrap: break-word; }
    .contact-notes { font-size: 12px; font-weight: 300; color: #4A5568; margin: 0; line-height: 1.6; word-wrap: break-word; }
    .contact-phone { font-size: 15px; font-weight: 800; color: #183866; flex-shrink: 0; white-space: nowrap; }
    .contact-ext { font-size: 11px; font-weight: 600; color: #4A5568; margin-top: 2px; }
    @media (max-width: 600px) {
      .contact-row { flex-direction: column; align-items: flex-start; padding: 14px 16px; }
      .contact-row .contact-phone { align-self: flex-start; font-size: 16px; margin-top: 6px; }
    }

    /* ── New per-person contact card (name + ext + email + vCard) ──── */
    .contact-card {
      border: 1px solid #E0E4EC;
      border-left: 3px solid #183866;
      border-radius: 0 12px 12px 0;
      padding: 18px 20px;
      background: #fff;
    }
    .contact-card-head {
      display: flex; align-items: flex-start; justify-content: space-between;
      gap: 12px; margin-bottom: 10px;
    }
    .contact-card-name-block { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
    .contact-card-name { font-size: 16px; font-weight: 700; color: #1A1A2E; margin: 0; }
    .contact-card-title { font-size: 12px; font-weight: 500; color: #4A5568; margin: 0; }
    .contact-ext-label {
      font-size: 13px; font-weight: 700; color: #183866;
      padding: 5px 12px; background: #EEF3FB; border-radius: 99px;
      white-space: nowrap; flex-shrink: 0;
    }
    .contact-card-notes {
      font-size: 13px; font-weight: 400; color: #4A5568;
      margin: 0 0 12px; line-height: 1.55;
    }
    .contact-card-footer {
      display: flex; align-items: center; justify-content: space-between;
      gap: 12px; flex-wrap: wrap;
      padding-top: 12px; border-top: 1px solid #F0F2F6;
    }
    .contact-inline-email {
      font-size: 13px; color: #183866; text-decoration: none;
      border-bottom: 1px solid transparent; transition: border-color 0.15s;
      word-break: break-all;
    }
    .contact-inline-email:hover { border-bottom-color: #183866; }
    .contact-dl-btn {
      display: inline-flex; align-items: center;
      padding: 8px 14px; border: 1.5px solid #183866; border-radius: 8px;
      background: #fff; color: #183866;
      font-family: 'Inter', sans-serif; font-size: 12px; font-weight: 600;
      cursor: pointer; transition: background 0.15s, color 0.15s;
      white-space: nowrap; flex-shrink: 0;
    }
    .contact-dl-btn:hover { background: #183866; color: #fff; }
    @media (max-width: 600px) {
      .contact-card { padding: 14px 16px; }
      .contact-card-name { font-size: 14px; }
      .contact-card-footer { flex-direction: column; align-items: flex-start; gap: 10px; }
    }

    .email-list {
      display: flex; flex-direction: column;
      border-radius: 12px; overflow: hidden; border: 1px solid #E0E4EC;
    }
    .email-row {
      display: flex; justify-content: space-between; align-items: center;
      padding: 14px 18px; gap: 12px; flex-wrap: wrap;
    }
    .email-row:nth-child(odd) { background: #F5F7FA; }
    .email-row:nth-child(even) { background: #fff; }
    .email-purpose { font-size: 12px; font-weight: 400; color: #4A5568; line-height: 1.5; flex: 1; min-width: 0; }
    .email-addr {
      font-size: 13px; font-weight: 700; color: #183866;
      text-decoration: none; word-break: break-all;
    }
    .email-addr:hover { text-decoration: underline; }
    @media (max-width: 600px) {
      .email-row { flex-direction: column; align-items: flex-start; gap: 4px; padding: 12px 14px; }
    }

    /* Active section during audio playback. Soft tinted background that
       fades in/out; padding + negative margin live on .section itself
       (above) so the highlight expands without shifting any text. */
    .section--active {
      background-color: #EEF3FB;
    }
    @media (prefers-reduced-motion: reduce) {
      .section { transition: none; }
    }

    /* ─── Resource links (Pay & Taxes Overview) ─────────────────── */
    /* Collapsible disclosure wraps the link cards so they don't crowd the
       page on first read. Chevron rotates 180° when the user opens it. */
    .links-disclosure {
      border: 1px solid #E0E4EC;
      border-radius: 10px;
      background: #FAFBFD;
      margin-top: 12px;
      overflow: hidden;
    }
    .links-disclosure[open] {
      background: #fff;
    }
    .links-disclosure-summary {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 10px;
      padding: 14px 18px;
      cursor: pointer;
      user-select: none;
      list-style: none;
      transition: background 0.15s;
    }
    .links-disclosure-summary::-webkit-details-marker { display: none; }
    .links-disclosure-summary:hover { background: #EEF3FB; }
    .links-disclosure[open] .links-disclosure-summary {
      border-bottom: 1px solid #E0E4EC;
      background: #FAFBFD;
    }
    .links-disclosure[open] .links-disclosure-summary:hover { background: #EEF3FB; }
    .links-disclosure-label {
      font-family: 'Inter', sans-serif;
      font-size: 13px;
      font-weight: 600;
      color: #183866;
      letter-spacing: 0.1px;
    }
    .links-disclosure-chevron {
      width: 14px; height: 14px; flex-shrink: 0;
      color: #183866;
      transition: transform 0.25s cubic-bezier(0.4,0,0.2,1);
    }
    .links-disclosure[open] .links-disclosure-chevron { transform: rotate(180deg); }
    .links-disclosure .links-list { padding: 14px 14px 16px; margin-top: 0; }
    @media (max-width: 600px) {
      .links-disclosure-summary { padding: 12px 14px; }
      .links-disclosure-label { font-size: 12px; }
      .links-disclosure .links-list { padding: 12px 12px 14px; }
    }
    .links-list { display: flex; flex-direction: column; gap: 10px; margin-top: 8px; }
    .link-card {
      display: flex; align-items: center; gap: 14px;
      padding: 14px 18px;
      background: #fff;
      border: 1px solid #E0E4EC;
      border-left: 3px solid #183866;
      border-radius: 8px;
      text-decoration: none;
      transition: background 0.15s, border-color 0.15s;
    }
    .link-card:hover { background: #F5F7FA; border-color: #183866; }
    .link-card-text { flex: 1; min-width: 0; }
    .link-card-title { font-size: 14px; font-weight: 700; color: #183866; margin: 0 0 2px; }
    .link-card-desc { font-size: 12px; color: #4A5568; line-height: 1.5; margin: 0; }
    .link-card-arrow { width: 16px; height: 16px; color: #183866; flex-shrink: 0; }
    @media (max-width: 600px) {
      .link-card { padding: 12px 14px !important; gap: 10px; }
      .link-card-title { font-size: 12px !important; }
      .link-card-desc { font-size: 11px !important; line-height: 1.55 !important; }
    }

    /* ─── W-9 page intro blurb ──────────────────────────────────── */
    .w9-intro-blurb {
      background: #F5F7FA;
      border-left: 3px solid #183866;
      border-radius: 0 8px 8px 0;
      padding: 14px 18px;
      margin-bottom: 24px;
    }
    .w9-intro-blurb-title {
      font-size: 13px; font-weight: 700; color: #183866;
      margin: 0 0 6px; letter-spacing: 0.1px;
    }
    .w9-intro-blurb-body {
      font-size: 12px; color: #4A5568; line-height: 1.55;
      margin: 0 0 6px;
    }
    .w9-intro-blurb-body:last-child { margin-bottom: 0; }
    @media (max-width: 600px) {
      .w9-intro-blurb { padding: 12px 14px; }
      .w9-intro-blurb-title { font-size: 12px; }
      .w9-intro-blurb-body { font-size: 11px; line-height: 1.6; }
    }

    /* ─── Question block (attestation) ───────────────────────────── */
    .q-block {
      margin: 0 0 28px;
      border: 1px solid #E0E4EC;
      border-radius: 14px;
      padding: 24px 22px;
      background: #FAFBFD;
    }
    .q-prompt {
      font-size: 13px;
      font-weight: 600;
      color: #183866;
      letter-spacing: 0;
      margin: 0 0 14px;
    }
    .q-scenario {
      font-size: 14px;
      font-weight: 400;
      color: #1A1A2E;
      line-height: 1.75;
      margin: 0 0 18px;
    }
    .q-options {
      display: flex;
      flex-direction: column;
      gap: 8px;
      margin-bottom: 4px;
    }
    .q-option {
      display: flex;
      align-items: flex-start;
      gap: 12px;
      padding: 14px 16px;
      border: 1.5px solid #E0E4EC;
      border-radius: 10px;
      background: #fff;
      cursor: pointer;
      font-size: 13px;
      font-weight: 400;
      color: #1A1A2E;
      line-height: 1.6;
      transition: all 0.15s;
      text-align: left;
      width: 100%;
      font-family: 'Inter', sans-serif;
    }
    .q-option:hover:not(:disabled) {
      border-color: #183866;
      background: #F8FAFD;
    }
    .q-option.selected {
      border-color: #183866;
      background: #EEF3FB;
    }
    .q-option.correct {
      border-color: #2D7A4F;
      background: #E8F5ED;
    }
    .q-option.incorrect {
      border-color: #E5307E;
      background: #FFF0F6;
    }
    .q-option:disabled {
      cursor: default;
    }
    .q-radio {
      width: 18px;
      height: 18px;
      border: 1.5px solid #C0C8D8;
      border-radius: 50%;
      flex-shrink: 0;
      margin-top: 1px;
      display: flex;
      align-items: center;
      justify-content: center;
      transition: all 0.15s;
    }
    .q-option.selected .q-radio {
      border-color: #183866;
    }
    .q-option.selected .q-radio::after {
      content: "";
      width: 8px;
      height: 8px;
      border-radius: 50%;
      background: #183866;
    }
    .q-option.correct .q-radio {
      border-color: #2D7A4F;
      background: #2D7A4F;
    }
    .q-option.correct .q-radio::after {
      content: "✓";
      color: #fff;
      font-size: 11px;
      font-weight: 800;
    }
    .q-option.incorrect .q-radio {
      border-color: #E5307E;
      background: #E5307E;
    }
    .q-option.incorrect .q-radio::after {
      content: "✕";
      color: #fff;
      font-size: 10px;
      font-weight: 800;
    }
    .q-submit {
      margin-top: 16px;
      padding: 13px;
      width: 100%;
      background: #E0E4EC;
      color: #4A5568;
      border: none;
      border-radius: 8px;
      font-size: 13px;
      font-weight: 600;
      letter-spacing: 0.3px;
      cursor: not-allowed;
      transition: all 0.2s;
    }
    .q-submit.active {
      background: #183866;
      color: #fff;
      cursor: pointer;
    }
    .q-feedback {
      margin-top: 16px;
      padding: 16px 18px;
      border-radius: 10px;
      font-size: 13px;
      line-height: 1.7;
      font-weight: 400;
    }
    .q-feedback.correct {
      background: #E8F5ED;
      color: #1E5A37;
      border-left: 3px solid #2D7A4F;
    }
    .q-feedback.incorrect {
      background: #FFF0F6;
      color: #8B1A4C;
      border-left: 3px solid #E5307E;
    }
    .q-feedback strong { font-weight: 700; }
    .q-retry {
      margin-top: 12px;
      padding: 10px 16px;
      background: #fff;
      color: #183866;
      border: 1.5px solid #183866;
      border-radius: 8px;
      font-size: 12px;
      font-weight: 600;
      cursor: pointer;
      transition: all 0.15s;
      font-family: 'Inter', sans-serif;
    }
    .q-retry:hover { background: #EEF3FB; }
    .q-note {
      margin-top: 16px;
      padding: 16px 18px;
      background: #FAF6EF;
      border-left: 3px solid #C89B3C;
      border-radius: 0 10px 10px 0;
      font-size: 13px;
      font-weight: 400;
      color: #4A3A1F;
      line-height: 1.75;
      font-style: italic;
    }
    .q-note-label {
      display: block;
      font-size: 12px;
      font-weight: 700;
      letter-spacing: 0;
      color: #8B6914;
      margin-bottom: 6px;
      font-style: normal;
    }
    .q-locked-notice {
      margin: 14px 0 0;
      padding: 12px 16px;
      background: #F5F7FA;
      border-radius: 8px;
      font-size: 12px;
      font-weight: 400;
      color: #4A5568;
      line-height: 1.6;
      text-align: center;
    }

    @keyframes qFadeIn {
      from { opacity: 0; transform: translateY(-8px); }
      to   { opacity: 1; transform: translateY(0); }
    }

    .checkbox-area {
      border-top: 1px solid #E0E4EC; padding: 24px 0 0; margin-top: 36px; cursor: pointer;
    }
    .checkbox-area.locked { opacity: 0.45; cursor: not-allowed; pointer-events: none; }
    .checkbox-row { display: flex; align-items: flex-start; gap: 14px; }
    .checkbox-box {
      width: 22px; height: 22px; border: 2px solid #C0C8D8;
      border-radius: 7px; background: #fff;
      display: flex; align-items: center; justify-content: center;
      flex-shrink: 0; margin-top: 1px; transition: all 0.2s;
    }
    .checkbox-box.checked { border-color: #183866; background: #183866; }
    .checkbox-check { color: #fff; font-size: 12px; font-weight: 800; display: none; }
    .checkbox-box.checked .checkbox-check { display: block; }
    .checkbox-label {
      font-size: 13px; font-weight: 400; color: #4A5568;
      line-height: 1.6; transition: all 0.2s;
    }
    .checkbox-label.checked { font-weight: 600; color: #1A1A2E; }

    .btn-row { display: flex; gap: 12px; margin-top: 16px; }
    .btn-continue {
      flex: 1; padding: 15px; background: #E0E4EC; color: #4A5568;
      border: none; border-radius: 8px; font-size: 14px; font-weight: 600;
      letter-spacing: 0.3px; cursor: not-allowed; transition: all 0.3s;
    }
    .btn-continue.active { background: #183866; color: #fff; cursor: pointer; }
    /* Brief success state shown on the payment-method submit button before
       advancing to the celebration page. */
    .btn-continue.pm-submit-saved {
      background: #1F8A5F !important;
      color: #fff !important;
      cursor: default !important;
      opacity: 1 !important;
    }
    .pm-submit-saved-check {
      display: inline-block; margin-right: 4px;
      font-weight: 700;
    }

    .ack-screen {
      max-width: 680px; margin: 0 auto; padding: 72px 24px 80px;
      opacity: 0; transform: translateY(18px);
      transition: all 0.5s cubic-bezier(0.4,0,0.2,1);
    }
    .ack-screen.anim-in { opacity: 1; transform: translateY(0); }
    @media (min-width: 900px) {
      .ack-screen {
        margin: 0 auto 0 320px;
        padding: 64px 48px 80px;
        max-width: 720px;
      }
    }

    #screen-complete { display: none !important; }
    #screen-complete.active { display: flex !important; }
    #screen-complete { min-height: 100vh; align-items: center; justify-content: center; padding: 60px 24px; }
    .complete-inner {
      max-width: 420px; width: 100%; text-align: center;
      opacity: 0; transform: translateY(24px);
      transition: all 0.65s cubic-bezier(0.4,0,0.2,1);
    }
    .complete-inner.anim-in { opacity: 1; transform: translateY(0); }

    /* ─── Setup Dashboard ─────────────────────────────────────────────────── */
    #screen-setup { display: none !important; }
    #screen-setup.active { display: block !important; }
    .setup-screen {
      max-width: 680px; margin: 0 auto; padding: 72px 24px 80px;
      opacity: 0; transform: translateY(18px);
      transition: all 0.5s cubic-bezier(0.4,0,0.2,1);
    }
    .setup-screen.anim-in { opacity: 1; transform: translateY(0); }
    @media (min-width: 900px) {
      .setup-screen {
        margin: 0 auto 0 320px;
        padding: 64px 48px 80px;
        max-width: 760px;
      }
    }
    .setup-logo { height: 36px; width: auto; display: block; margin-bottom: 28px; }
    .setup-header-block { margin-bottom: 8px; }
    .setup-cards { display: flex; flex-direction: column; gap: 16px; margin-top: 32px; }
    .setup-card {
      border: 1px solid #E0E4EC; border-radius: 14px;
      background: #fff; overflow: hidden;
    }
    .setup-card-active {
      border-color: rgba(27,79,156,0.28);
      box-shadow: 0 2px 16px rgba(27,79,156,0.07);
    }
    .setup-card-soon { opacity: 0.6; }
    .setup-card-header {
      display: flex; align-items: flex-start; gap: 14px;
      padding: 20px 24px;
    }
    .setup-card-active .setup-card-header { border-bottom: 1px solid #E0E4EC; }
    .setup-card-num {
      width: 28px; height: 28px; border-radius: 50%;
      background: #183866; color: #fff;
      font-size: 12px; font-weight: 700;
      display: flex; align-items: center; justify-content: center;
      flex-shrink: 0; margin-top: 1px;
    }
    .setup-card-num-locked { background: #E0E4EC; color: #8B95A7; }
    .setup-card-meta { flex: 1; }
    .setup-card-title { font-size: 15px; font-weight: 700; color: #1A1A2E; margin: 0 0 4px; letter-spacing: -0.2px; }
    .setup-card-desc { font-size: 13px; font-weight: 400; color: #4A5568; margin: 0; line-height: 1.5; }
    .setup-card-badge {
      font-size: 11px; font-weight: 600;
      padding: 4px 10px; border-radius: 99px;
      letter-spacing: 0;
      flex-shrink: 0; margin-top: 2px; white-space: nowrap;
    }
    .setup-badge-required { background: #EEF3FB; color: #183866; }
    .setup-badge-optional { background: #EEF3FB; color: #183866; }
    .setup-badge-soon { background: #F5F7FA; color: #8B95A7; }
    .setup-badge-complete { background: #E8F5ED; color: #2D7A4F; }
    .setup-nda-locked {
      font-size: 13px; font-weight: 400; color: #8B95A7;
      font-style: italic; margin: 0;
    }
    .setup-nda-cta {
      display: inline-block;
      padding: 12px 22px;
      background: #183866; color: #fff;
      border: none; border-radius: 8px;
      font-family: 'Inter', sans-serif;
      font-size: 14px; font-weight: 600; letter-spacing: 0.3px;
      text-decoration: none; cursor: pointer;
      transition: all 0.2s;
    }
    .setup-nda-cta:hover { background: #163f7d; }

    .upload-slots {
      display: flex; flex-direction: column; gap: 14px;
    }
    .upload-slot {
      border: 1px solid #E0E4EC; border-radius: 10px;
      padding: 16px 18px; background: #fff;
    }
    .upload-slot-head {
      display: flex; align-items: center; justify-content: space-between;
      gap: 12px; margin-bottom: 12px;
    }
    .upload-slot-label {
      font-size: 13px; font-weight: 600; color: #183866;
      letter-spacing: 0; margin: 0;
    }
    .upload-slot-status {
      font-size: 11px; font-weight: 500; color: #8B95A7;
      white-space: nowrap;
    }
    .upload-slot-status[data-status="uploaded"] { color: #2D7A4F; }
    .upload-slot-status[data-status="uploading"] { color: #183866; }
    .upload-slot-picker {
      display: flex; align-items: center; gap: 10px;
      padding: 10px 12px;
      border: 1px dashed #C0C8D8; border-radius: 8px;
      background: #FAFBFD; cursor: pointer;
      margin-bottom: 12px;
      flex-wrap: wrap;
    }
    .upload-slot-input { display: none; }
    .upload-slot-picker-btn {
      font-size: 12px; font-weight: 600; color: #183866;
      padding: 4px 10px; border: 1px solid #183866; border-radius: 99px;
      background: #fff; flex-shrink: 0;
    }
    .upload-slot-filename {
      font-size: 12px; font-weight: 400; color: #4A5568;
      flex: 1; min-width: 0;
      overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
    }
    .upload-slot-remove {
      font-family: 'Inter', sans-serif;
      font-size: 11px; font-weight: 600; color: #A1162F;
      background: none; border: none; padding: 4px 8px;
      cursor: pointer; flex-shrink: 0;
    }
    .upload-slot-remove:hover { text-decoration: underline; }
    .upload-slot-submit {
      width: 100%;
      padding: 10px 14px;
      background: #183866; color: #fff;
      border: none; border-radius: 8px;
      font-family: 'Inter', sans-serif;
      font-size: 12px; font-weight: 600; letter-spacing: 0.3px;
      cursor: pointer; transition: all 0.2s;
    }
    .upload-slot-submit:disabled {
      background: #E0E4EC; color: #8B95A7;
      cursor: not-allowed;
    }
    .setup-card-body { padding: 24px 24px; }
    .setup-footer-note {
      font-size: 12px; font-weight: 300; font-style: italic;
      color: #8B95A7; text-align: center;
      margin-top: 32px; line-height: 1.6;
    }
    .setup-footer-note a { color: #183866; text-decoration: none; }
    .setup-footer-note a:hover { text-decoration: underline; }
    @media (max-width: 600px) {
      .setup-screen { padding: 56px 16px 60px; }
      .setup-card-header { padding: 16px 16px; gap: 12px; }
      .setup-card-body { padding: 16px 16px; }
      .setup-card-title { font-size: 14px; }
      .setup-card-desc { font-size: 12px; }
    }

    /* ═══ CONTACT INFO FORM ═══════════════════════════════════════════════ */
    .ci-doc-rule {
      width: 36px; height: 2px; background: #183866; border-radius: 99px;
    }

    .ci-form-wrap {
      transition: opacity 0.3s, transform 0.3s;
    }
    .ci-form-wrap.fading {
      opacity: 0; transform: translateY(8px); pointer-events: none;
    }

    .ci-section-label {
      font-size: 1.1rem; font-weight: 700; color: #183866;
      text-transform: none; letter-spacing: 0;
      margin: 0 0 20px; display: block;
    }
    .ci-section-label::after { display: none; }

    .ci-form-group { margin-bottom: 28px; position: relative; }
    .ci-field-label {
      font-size: 13px; font-weight: 500; color: #4A5568;
      letter-spacing: 0; text-transform: none;
      display: block; margin-bottom: 8px;
    }

    .ci-field-wrap { position: relative; }
    .ci-field-wrap::after {
      content: ''; position: absolute; bottom: 0; left: 0; right: 0;
      height: 1.5px; background: #183866; transform: scaleX(0);
      transition: transform 0.25s cubic-bezier(0.4, 0, 0.2, 1);
      transform-origin: left center;
    }
    .ci-field-wrap:focus-within::after { transform: scaleX(1); }

    .ci-page-title {
      font-size: 28px; font-weight: 800; color: #1A1A2E;
      line-height: 1.15; letter-spacing: -0.5px; margin: 0;
    }
    .ci-field-hint {
      font-size: 12px; font-style: italic; color: #A0AEC0;
      margin: 6px 0 0; line-height: 1.45;
    }
    .pm-routing-bank-hint {
      font-size: 12px; color: #2D7A4F; font-weight: 500;
      margin: 4px 0 0; line-height: 1.45;
    }
    .pm-routing-bank-hint[hidden] { display: none; }

    .ci-label-row {
      display: flex; align-items: center; gap: 6px; margin-bottom: 8px;
    }
    .ci-label-row > label { margin-bottom: 0 !important; }
    .ci-help-tooltip {
      position: relative;
      display: inline-flex;
      align-items: center;
      cursor: help;
    }
    .ci-help-icon {
      display: inline-block;
      width: 16px; height: 16px;
      color: #8B95A7;
      flex-shrink: 0;
      vertical-align: middle;
      transition: color 0.15s;
    }
    .ci-help-icon .ci-help-icon-text {
      font-family: 'Inter', sans-serif;
    }
    .ci-help-tooltip:hover .ci-help-icon,
    .ci-help-tooltip:focus-within .ci-help-icon {
      color: #183866;
    }
    .ci-help-bubble {
      position: absolute;
      bottom: calc(100% + 8px);
      left: 50%;
      transform: translateX(-50%);
      background: #1A1A2E;
      color: #fff;
      font-size: 12px;
      font-weight: 400;
      font-family: 'Inter', sans-serif;
      line-height: 1.5;
      padding: 8px 12px;
      border-radius: 6px;
      width: max-content;
      max-width: 280px;
      white-space: normal;
      text-align: left;
      opacity: 0;
      visibility: hidden;
      pointer-events: none;
      transition: opacity 0.15s, visibility 0.15s;
      z-index: 100;
      box-shadow: 0 4px 12px rgba(0,0,0,0.18);
    }
    .ci-help-bubble::after {
      content: '';
      position: absolute;
      top: 100%;
      left: 50%;
      transform: translateX(-50%);
      border: 5px solid transparent;
      border-top-color: #1A1A2E;
    }
    .ci-help-tooltip:hover .ci-help-bubble,
    .ci-help-tooltip:focus-within .ci-help-bubble {
      opacity: 1; visibility: visible;
    }
    @media (max-width: 480px) {
      .ci-help-bubble { max-width: 220px; }
    }

    .w9-disclosure { border: none; padding: 0; margin: 0; }
    .w9-disclosure-summary {
      display: inline-block;
      cursor: pointer;
      font-family: 'Inter', sans-serif;
      font-size: 12px;
      font-weight: 600;
      color: #183866;
      padding: 4px 0;
      list-style: none;
      user-select: none;
    }
    .w9-disclosure-summary::-webkit-details-marker { display: none; }
    .w9-disclosure-summary:hover { text-decoration: underline; }
    .w9-disclosure[open] > .w9-disclosure-summary { color: #4A5568; }
    /* Soft "Recommended for your filing status" highlight on the W-4 Multiple
       Jobs Worksheet collapsible when the user picks Married Filing Jointly.
       The pill text is set via JS i18n (data-i18n-recommended-badge) so EN/ES
       both work; the ::after content is purely visual. */
    .w9-disclosure.w4-mini-ws.is-recommended {
      border-color: #183866 !important;
      background: #EEF3FB !important;
    }
    .w9-disclosure.w4-mini-ws.is-recommended > .w9-disclosure-summary::after {
      content: attr(data-recommended-badge);
      display: inline-block;
      font-size: 10px;
      font-weight: 700;
      background: #183866;
      color: #fff;
      padding: 2px 8px;
      border-radius: 99px;
      margin-left: 8px;
      letter-spacing: 0.4px;
    }
    /* ─── W-4 filing status cards ──────────────────────────────────
       Stacked radio cards with a custom circle indicator. Matches the
       polished card pattern used elsewhere in the flow (W-2/1099 picker,
       exempt/non-exempt picker) so this section stops feeling like
       default browser radios. */
    .w4-filing-stack {
      display: flex;
      flex-direction: column;
      gap: 8px;
    }
    .w4-filing-card {
      display: flex;
      align-items: center;
      gap: 12px;
      padding: 12px 16px;
      border: 1.5px solid #D0D5DD;
      border-radius: 10px;
      background: #fff;
      cursor: pointer;
      transition: border-color 150ms ease, background 150ms ease;
    }
    .w4-filing-card:hover { background: #FAFBFD; }
    .w4-filing-card input[type="radio"] {
      position: absolute;
      opacity: 0;
      pointer-events: none;
    }
    .w4-filing-radio {
      flex-shrink: 0;
      width: 18px;
      height: 18px;
      border: 1.5px solid #C0C8D8;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      transition: border-color 150ms ease;
    }
    .w4-filing-card.is-selected {
      border-color: #183866;
      background: #EEF3FB;
    }
    .w4-filing-card.is-selected .w4-filing-radio {
      border-color: #183866;
    }
    .w4-filing-card.is-selected .w4-filing-radio::after {
      content: '';
      width: 9px;
      height: 9px;
      border-radius: 50%;
      background: #183866;
    }
    .w4-filing-card.is-selected .w4-filing-label { color: #183866; }
    .w4-filing-label {
      font-size: 14px;
      font-weight: 500;
      color: #1A1A2E;
      line-height: 1.45;
    }

    /* ─── TurboTax-style Q&A section on the W-4 screen ──────────────
       Each question is a card with a No/Yes pill toggle and a
       follow-up area that reveals when "Yes" is picked. Questions
       live inside a 2-column grid on desktop; "wide" cards span both
       columns when their follow-up needs more horizontal room. */
    .w4-q-section { margin: 4px 0 22px; }
    .w4-q-section-title {
      font-size: 16px;
      font-weight: 700;
      color: #1A1A2E;
      margin: 0 0 6px;
      letter-spacing: -0.2px;
    }
    .w4-q-section-hint {
      font-size: 12px;
      color: #6B7280;
      margin: 0 0 16px;
      line-height: 1.55;
    }
    /* ─── Wizard stage: one question visible at a time ─────────────
       The 8 .w4-q cards live in this container; JS toggles
       .is-current to show the active step. Slide animations are
       driven by .is-exiting-left / .is-entering-right (forward nav)
       and .is-exiting-right / .is-entering-left (back nav). */
    .w4-q-wizard-progress {
      display: flex;
      align-items: center;
      gap: 8px;
      margin: 0 0 14px;
    }
    .w4-q-wizard-progress .w4-q-wizard-dot {
      width: 6px;
      height: 6px;
      border-radius: 50%;
      background: #D0D5DD;
      transition: background 180ms ease, transform 180ms ease;
    }
    .w4-q-wizard-progress .w4-q-wizard-dot.is-done   { background: #183866; }
    .w4-q-wizard-progress .w4-q-wizard-dot.is-current {
      background: #183866;
      transform: scale(1.5);
    }
    .w4-q-wizard-progress .w4-q-wizard-counter {
      margin-left: 10px;
      font-size: 11px;
      font-weight: 600;
      color: #8B95A7;
      letter-spacing: 0.4px;
    }
    .w4-q-wizard-stage {
      position: relative;
      min-height: 180px;
      overflow: hidden;
    }
    .w4-q {
      display: none;
      margin: 0;
      padding: 4px 0;
      border: none;
      border-radius: 0;
      background: transparent;
      opacity: 1;
      transform: translateX(0);
      transition: transform 280ms cubic-bezier(0.22, 0.61, 0.36, 1),
                  opacity 280ms ease;
    }
    .w4-q.is-current             { display: block; }
    .w4-q.is-exiting-left        { display: block; transform: translateX(-30%); opacity: 0; pointer-events: none; }
    .w4-q.is-exiting-right       { display: block; transform: translateX(30%);  opacity: 0; pointer-events: none; }
    .w4-q.is-entering-from-right { display: block; transform: translateX(30%);  opacity: 0; }
    .w4-q.is-entering-from-left  { display: block; transform: translateX(-30%); opacity: 0; }
    /* Inside each card, place text + tooltip in col 1, Yes/No chips in
       col 2 of row 1. Everything else (follow-up, banner, sub-question)
       spans both columns starting from row 2. */
    .w4-q.is-current,
    .w4-q.is-exiting-left,
    .w4-q.is-exiting-right,
    .w4-q.is-entering-from-right,
    .w4-q.is-entering-from-left {
      display: grid;
      grid-template-columns: minmax(0, 1fr) auto;
      column-gap: 24px;
      row-gap: 14px;
      align-items: start;
    }
    .w4-q > * { grid-column: 1 / -1; }
    .w4-q > .w4-q-text  { grid-column: 1; grid-row: 1; margin: 0; }
    .w4-q > .w4-q-pills { grid-column: 2; grid-row: 1; }
    .w4-q-text {
      font-size: 15px;
      font-weight: 600;
      color: #1A1A2E;
      line-height: 1.45;
      display: flex;
      align-items: flex-start;
      gap: 8px;
    }
    .w4-q-text > span:first-child { flex: 1; }
    .w4-q-text .ci-help-tooltip { flex-shrink: 0; margin-top: 2px; }
    .w4-q-subtext {
      font-size: 13px;
      font-weight: 600;
      color: #1A1A2E;
      margin: 14px 0 8px;
      line-height: 1.5;
    }
    .w4-q-pills {
      display: inline-flex;
      gap: 8px;
    }
    .w4-q-pill {
      padding: 7px 22px;
      background: #fff;
      color: #4A5568;
      font-family: 'Inter', sans-serif;
      font-size: 13px;
      font-weight: 600;
      cursor: pointer;
      border: 1.5px solid #D0D5DD;
      border-radius: 99px;
      transition: background 150ms ease, color 150ms ease, border-color 150ms ease;
    }
    .w4-q-pill:hover:not(.active) {
      background: #F5F7FA;
      border-color: #183866;
    }
    .w4-q-pill.active {
      background: #183866;
      color: #fff;
      border-color: #183866;
    }
    .w4-q-follow {
      margin-top: 14px;
      display: none;
    }
    .w4-q-follow.is-open { display: block; }
    .w4-q-follow label {
      font-size: 12px;
      font-weight: 500;
      color: #4A5568;
      display: block;
      margin-bottom: 4px;
    }
    .w4-q-follow input[type="text"],
    .w4-q-follow input[type="number"] {
      width: 100%;
      max-width: 220px;
      padding: 8px 0;
      border: 0;
      border-bottom: 1.5px solid #E0E4EC;
      background: transparent;
      font-family: 'Inter', sans-serif;
      font-size: 15px;
      color: #183866;
      outline: none;
      transition: border-color 150ms ease;
    }
    /* Narrower input for "How many?" count fields (max 2-digit) */
    .w4-q-follow input.w4-q-count-input {
      max-width: 72px;
      text-align: center;
      font-size: 16px;
      font-weight: 600;
    }
    .w4-q-follow input[type="text"]:focus,
    .w4-q-follow input[type="number"]:focus { border-bottom-color: #183866; }

    /* Wizard nav row: Back chip on the left, Next chip on the right.
       Both are rounded squares (border-radius 12px) to visually
       differentiate from the round Yes/No chips above. */
    .w4-q-wizard-nav {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin: 28px 0 0;
      gap: 12px;
    }
    .w4-q-wizard-btn {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      padding: 12px 26px;
      font-family: 'Inter', sans-serif;
      font-size: 14px;
      font-weight: 600;
      cursor: pointer;
      border-radius: 12px;
      transition: background 150ms ease, color 150ms ease,
                  border-color 150ms ease, opacity 150ms ease;
    }
    .w4-q-wizard-back {
      background: transparent;
      color: #4A5568;
      border: 1.5px solid #D0D5DD;
    }
    .w4-q-wizard-back:hover:not(:disabled) {
      background: #F5F7FA;
      border-color: #183866;
      color: #183866;
    }
    .w4-q-wizard-next {
      background: #183866;
      color: #fff;
      border: 1.5px solid #183866;
    }
    .w4-q-wizard-next:hover:not(:disabled) {
      background: #0F2848;
      border-color: #0F2848;
    }
    .w4-q-wizard-btn:disabled {
      opacity: 0.4;
      cursor: not-allowed;
    }
    .w4-q-wizard-back.is-hidden,
    .w4-q-wizard-next.is-hidden {
      visibility: hidden;
    }
    .w4-q-hint {
      display: block;
      margin-top: 4px;
      font-size: 11px;
      color: #8B95A7;
      font-style: italic;
    }
    .w4-q-samepay-yes-note {
      display: none;
      font-size: 12px;
      color: #047857;
      background: #ECFDF5;
      border-left: 3px solid #10B981;
      border-radius: 0 6px 6px 0;
      padding: 8px 12px;
      margin: 10px 0 0;
      line-height: 1.5;
    }
    .w4-q-samepay-yes-note.is-visible { display: block; }
    .w4-q-mjw-intro {
      font-size: 12px;
      color: #6B7280;
      margin: 0 0 12px;
      line-height: 1.55;
    }
    .w4-q-mjw-grid > div { margin-bottom: 12px; }
    /* Itemized deductions sub-flow inside Q5 */
    .w4-q-itemize-intro {
      font-size: 12px;
      color: #4A5568;
      margin: 0 0 14px;
      line-height: 1.55;
    }
    .w4-q-itemize-grid {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 14px 18px;
    }
    .w4-q-itemize-grid > div { margin-bottom: 0; }
    @media (max-width: 600px) {
      .w4-q-itemize-grid { grid-template-columns: 1fr; }
    }
    .w4-q-itemize-totalincome {
      margin: 0 0 16px;
      padding: 12px 14px;
      background: #F5F7FA;
      border-left: 3px solid #183866;
      border-radius: 0 6px 6px 0;
    }
    .w4-q-itemize-totalincome label {
      font-size: 12px;
      font-weight: 600;
      color: #4A5568;
      margin-bottom: 6px;
      display: block;
    }
    .w4-q-itemize-totalincome input {
      width: 100%;
      max-width: 240px;
      padding: 6px 0;
      border: 0;
      border-bottom: 1.5px solid #D0D5DD;
      background: transparent;
      font-family: 'Inter', sans-serif;
      font-size: 14px;
      color: #183866;
      outline: none;
    }
    .w4-q-itemize-totalincome input:focus { border-bottom-color: #183866; }

    /* Side-by-side standard-deduction vs itemized comparison panel.
       Replaces the old "Total itemized: $X, standard deduction is $Y"
       paragraph. The winning card is bold + outlined; the losing
       card is greyed out so the user sees at a glance which path the
       W-4 will use. No green / "vibe-coded" styling - stays in the
       same brand palette as the rest of the page. */
    .w4-ded-compare {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
      margin: 18px 0 0;
    }
    @media (max-width: 540px) {
      .w4-ded-compare { grid-template-columns: 1fr; }
    }
    .w4-ded-card {
      padding: 12px 14px;
      border-radius: 8px;
      border: 1.5px solid #E0E4EC;
      background: #fff;
      transition: opacity 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
    }
    .w4-ded-card.is-winner {
      border-color: #183866;
      box-shadow: 0 1px 8px rgba(24, 56, 102, 0.08);
    }
    .w4-ded-card.is-loser { opacity: 0.5; }
    .w4-ded-card-label {
      font-size: 10px;
      font-weight: 700;
      color: #8B95A7;
      letter-spacing: 0.6px;
      text-transform: uppercase;
      margin-bottom: 6px;
    }
    .w4-ded-card.is-winner .w4-ded-card-label { color: #183866; }
    .w4-ded-card-amount {
      font-size: 20px;
      font-weight: 700;
      color: #1A1A2E;
      letter-spacing: -0.3px;
    }
    .w4-ded-card.is-loser .w4-ded-card-amount { color: #4A5568; }
    .w4-ded-card-sub {
      margin-top: 6px;
      font-size: 11px;
      color: #8B95A7;
      line-height: 1.4;
    }
    .w4-ded-verdict {
      margin: 12px 0 0;
      font-size: 13px;
      color: #4A5568;
      line-height: 1.55;
    }
    .w4-ded-final {
      margin-top: 14px;
      padding-top: 12px;
      border-top: 1px solid #E0E4EC;
    }
    .w4-ded-extra-row {
      display: flex;
      justify-content: space-between;
      align-items: baseline;
      font-size: 12px;
      color: #4A5568;
      padding: 4px 0;
    }
    .w4-ded-extra-row > span:last-child {
      font-weight: 600;
      color: #1A1A2E;
    }
    .w4-ded-extra-total {
      margin-top: 6px;
      padding-top: 10px;
      border-top: 1px solid #E0E4EC;
      font-size: 13px;
      font-weight: 700;
    }
    .w4-ded-extra-total > span { color: #183866; }
    .w4-ded-extra-total > span:last-child { font-size: 14px; }

    /* Keep the legacy class name working as a wrapper - the new
       comparison panel above replaces the old single-paragraph block. */
    .w4-q-itemize-total {
      margin: 0;
      background: transparent;
      border-left: none;
      padding: 0;
    }
    .w4-q-checkbox-row {
      display: flex;
      align-items: center;
      gap: 8px;
      margin: 8px 0;
      font-size: 13px;
      color: #1A1A2E;
      font-weight: 500;
      cursor: pointer;
    }
    .w4-q-checkbox-row input[type="checkbox"] {
      width: 16px;
      height: 16px;
      accent-color: #183866;
      cursor: pointer;
    }

    /* Inline status banner for items we auto-applied from existing data
       (e.g. senior 65+ allowance derived from contact-info DOB). Same
       palette as the rest of the form - no green or "saved" coloring. */
    .w4-q-auto-banner {
      margin: 10px 0 0;
      padding: 10px 14px;
      background: #F5F7FA;
      border-left: 3px solid #183866;
      border-radius: 0 6px 6px 0;
      font-size: 12px;
      color: #4A5568;
      line-height: 1.55;
    }
    .w4-q-mjw-result,
    .w4-q-dw-result {
      margin: 10px 0 0;
      font-size: 12px;
      font-weight: 600;
      color: #047857;
      background: #ECFDF5;
      border-left: 3px solid #10B981;
      border-radius: 0 6px 6px 0;
      padding: 8px 12px;
      line-height: 1.5;
    }
    .ci-input {
      width: 100%; padding: 12px 4px;
      border: none; border-bottom: 1.5px solid #E0E4EC;
      background: transparent;
      font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 400;
      color: #183866; outline: none; box-sizing: border-box;
      transition: border-bottom-color 0.2s;
    }
    .ci-input:focus { border-bottom-color: #183866; }
    .ci-input::placeholder { color: #A0AEC0; font-weight: 300; }
    .ci-input.ci-error { border-bottom-color: #e53e3e !important; }

    .ci-date {
      color-scheme: light;
    }
    .ci-date::-webkit-calendar-picker-indicator {
      opacity: 0.45; cursor: pointer;
      filter: invert(22%) sepia(87%) saturate(600%) hue-rotate(200deg);
    }

    .ci-select {
      width: 100%; padding: 12px 28px 12px 0;
      border: none; border-bottom: 1.5px solid #E0E4EC;
      background: transparent url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231B4F9C' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") no-repeat right 4px center;
      -webkit-appearance: none; appearance: none;
      font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 400;
      color: #183866; outline: none; box-sizing: border-box; cursor: pointer;
      transition: border-bottom-color 0.2s;
    }
    .ci-select:focus { border-bottom-color: #183866; }
    .ci-select.ci-error { border-bottom-color: #e53e3e !important; }
    .ci-select option { color: #183866; }
    .ci-select option[value=""] { color: #A0AEC0; }
    .ci-select.ci-placeholder { color: #A0AEC0; }

    .ci-error-msg {
      font-size: 11px; font-weight: 500; color: #e53e3e;
      margin: 5px 0 0; display: none;
    }
    .ci-error-msg.visible { display: block; }

    .ci-row {
      display: flex; gap: 20px;
    }
    .ci-row .ci-form-group { flex: 1; }

    .ci-addr-row {
      display: flex; gap: 14px;
    }
    .ci-addr-city { flex: 1.5; min-width: 0; }
    .ci-addr-state { flex: 2.5; min-width: 110px; }
    .ci-addr-zip { flex: 1; max-width: 90px; }
    .ci-addr-sub {
      font-size: 11px; color: #8B95A7; display: block; margin-top: 4px;
    }

    .ci-section-gap { margin-top: 44px; margin-bottom: 24px; }
    .ci-ec-toggle {
      font-size: 0.8rem; font-style: italic; color: #A0AEC0;
      margin: 4px 0 0; cursor: pointer; user-select: none;
      display: inline-flex; align-items: center; gap: 3px;
    }
    .ci-ec-toggle:hover { color: #718096; }
    .ci-ec-chevron { font-style: normal; transition: transform 0.2s; display: inline-block; }
    .ci-ec-toggle.open .ci-ec-chevron { transform: rotate(90deg); }
    .ci-ec-explainer {
      font-size: 0.8rem; font-style: italic; color: #A0AEC0;
      margin: 0; line-height: 1.55; overflow: hidden;
      max-height: 0; opacity: 0; transition: max-height 0.25s ease, opacity 0.2s;
    }
    .ci-ec-explainer.open { max-height: 80px; opacity: 1; margin-top: 6px; }

    /* ── Accordion panels ──────────────────────────────────────── */
    .ci-accordion {
      border: 1px solid #E0E4EC; border-radius: 12px;
      overflow: hidden; margin-bottom: 20px; background: #fff;
      box-shadow: 0 1px 6px rgba(27,79,156,0.05);
    }
    .ci-accordion-header {
      display: flex; align-items: center; justify-content: space-between;
      padding: 16px 20px; cursor: pointer; user-select: none;
      background: #F8FAFD; border-bottom: 1px solid transparent;
      transition: background 0.2s;
    }
    .ci-accordion.open .ci-accordion-header { border-bottom-color: #E0E4EC; }
    .ci-accordion-header:hover { background: #EEF3FB; }
    .ci-accordion-title {
      font-size: 11px; font-weight: 700; color: #183866;
      text-transform: uppercase; letter-spacing: 1.4px;
    }
    .ci-accordion-chevron {
      width: 16px; height: 16px; flex-shrink: 0;
      transition: transform 0.28s cubic-bezier(0.4,0,0.2,1);
      color: #183866;
    }
    .ci-accordion.open .ci-accordion-chevron { transform: rotate(180deg); }
    .ci-accordion-body {
      max-height: 0; overflow: hidden;
      transition: max-height 0.38s cubic-bezier(0.4,0,0.2,1);
      padding: 0 20px;
    }
    .ci-accordion.open .ci-accordion-body {
      max-height: 2000px; padding: 24px 20px;
    }

    /* ── Field-level picker accordions (Gender, DOB, Relationship) ── */
    .ci-field-acc {
      border: 1px solid #E0E4EC; border-radius: 10px;
      overflow: hidden; margin-bottom: 28px; background: #fff;
      box-shadow: 0 1px 4px rgba(27,79,156,0.04);
    }
    .ci-field-acc-header {
      display: flex; align-items: center; justify-content: space-between;
      padding: 14px 16px; cursor: pointer; user-select: none;
      transition: background 0.2s;
    }
    .ci-field-acc-header:hover { background: #EEF3FB; }
    .ci-field-acc-label {
      font-size: 11px; font-weight: 700; color: #183866;
      text-transform: uppercase; letter-spacing: 1px;
    }
    .ci-field-acc-right {
      display: flex; align-items: center; gap: 10px;
    }
    .ci-field-acc-val {
      font-size: 14px; font-weight: 400; color: #A0AEC0;
      transition: color 0.15s;
    }
    .ci-field-acc-val.has-value { color: #1A1A2E; font-weight: 500; }
    .ci-field-acc .ci-accordion-chevron {
      transition: transform 0.28s cubic-bezier(0.4,0,0.2,1);
    }
    .ci-field-acc.open .ci-accordion-chevron { transform: rotate(180deg); }
    .ci-field-acc-body {
      max-height: 0; overflow: hidden;
      transition: max-height 0.32s cubic-bezier(0.4,0,0.2,1), padding 0.25s;
      padding: 0 16px;
    }
    .ci-field-acc.open .ci-field-acc-body { max-height: 380px; padding: 16px 16px 20px; }
    .ci-field-acc-dob.open .ci-field-acc-body { max-height: 440px; padding: 20px 20px 28px; }
    .ci-field-acc-error {
      font-size: 11px; font-weight: 500; color: #e53e3e;
      padding: 0 16px 12px; display: none;
    }
    .ci-field-acc-error.visible { display: block; }
    .ci-dob-card {
      background: #F8FAFD; border: 1px solid #E0E4EC;
      border-radius: 8px; padding: 16px 16px 12px;
    }
    .ci-dob-card .ci-input { border-bottom-color: transparent; font-size: 16px; padding: 8px 0; }
    .ci-dob-card .ci-input:focus { border-bottom-color: #183866; }
    .ci-dob-hint {
      font-size: 11px; color: #A0AEC0; font-weight: 300;
      margin: 10px 0 0; font-style: italic;
    }
    /* ── Inline dropdown fields (Gender, Relationship) ──────────── */
    .ci-dropdown-field { position: relative; }
    .ci-dropdown-trigger {
      display: flex; align-items: center; justify-content: space-between;
      padding: 12px 0; border-bottom: 1.5px solid #E0E4EC;
      cursor: pointer; position: relative;
      transition: border-bottom-color 0.2s;
    }
    .ci-dropdown-trigger::after {
      content: ''; position: absolute; bottom: -1.5px; left: 0; right: 0;
      height: 1.5px; background: #183866; transform: scaleX(0);
      transition: transform 0.25s cubic-bezier(0.4,0,0.2,1);
      transform-origin: left center;
    }
    .ci-dropdown-field.open .ci-dropdown-trigger::after { transform: scaleX(1); }
    .ci-dropdown-field.ci-field-error .ci-dropdown-trigger { border-bottom-color: #e53e3e; }
    .ci-dropdown-text { font-size: 15px; font-weight: 400; color: #A0AEC0; transition: color 0.15s; }
    .ci-dropdown-text.has-value { color: #1A1A2E; }
    .ci-dropdown-chevron {
      width: 14px; height: 14px; flex-shrink: 0; color: #183866;
      transition: transform 0.26s cubic-bezier(0.4,0,0.2,1);
    }
    .ci-dropdown-field.open .ci-dropdown-chevron { transform: rotate(180deg); }
    .ci-dropdown-menu {
      position: absolute; left: 0; right: 0; top: 100%; z-index: 20;
      background: #fff; border: 1px solid #E0E4EC; border-radius: 0 0 8px 8px;
      box-shadow: 0 8px 20px rgba(15, 23, 42, 0.10);
      overflow: hidden; max-height: 0; opacity: 0; pointer-events: none;
      transition: max-height 0.26s cubic-bezier(0.4,0,0.2,1), opacity 0.18s;
    }
    .ci-dropdown-field.open .ci-dropdown-menu { max-height: 280px; opacity: 1; pointer-events: all; }
    .ci-dropdown-opt {
      padding: 11px 16px; font-size: 14px; font-weight: 400; color: #1A1A2E;
      cursor: pointer; transition: background 0.14s, color 0.14s;
    }
    .ci-dropdown-opt:hover { background: #EEF3FB; color: #183866; }
    .ci-dropdown-opt.selected { background: #EEF3FB; color: #183866; font-weight: 600; }

    /* ── Date of Birth text input ────────────────────────────────── */
    #ci-dob-field.ci-dob-error .ci-input { border-bottom-color: #e53e3e !important; }

    .ci-submit-btn {
      width: 100%; padding: 16px;
      background: #183866; color: #fff;
      border: none; border-radius: 8px;
      font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 600;
      letter-spacing: 0.2px; cursor: pointer;
      transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
      box-shadow: 0 2px 8px rgba(27,79,156,0.18);
      margin-top: 8px;
    }
    .ci-submit-btn:hover {
      background: #163d80;
      transform: translateY(-1px);
      box-shadow: 0 4px 14px rgba(27,79,156,0.28);
    }
    .ci-submit-btn:active { transform: translateY(0); }
    .ci-submit-btn:disabled {
      background: #e0e0e0; color: #8B95A7;
      cursor: not-allowed; box-shadow: none; transform: none;
    }

    .ci-success-block {
      display: none; text-align: center; padding: 40px 16px 32px;
      animation: ci-fade-in 0.45s cubic-bezier(0.4,0,0.2,1) both;
    }
    .ci-success-block.visible { display: block; }
    @keyframes ci-fade-in {
      from { opacity: 0; transform: translateY(16px); }
      to   { opacity: 1; transform: translateY(0); }
    }
    .ci-success-icon {
      width: 60px; height: 60px; border-radius: 50%;
      background: #edf7f1; border: 2px solid #2D7A4F;
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 20px; font-size: 28px; color: #2D7A4F;
    }
    .ci-success-title {
      font-size: 22px; font-weight: 800; color: #1A1A2E;
      margin: 0 0 10px; letter-spacing: -0.4px;
    }
    .ci-success-body {
      font-size: 14px; font-weight: 400; color: #4A5568;
      line-height: 1.7; margin: 0;
    }

    @media (max-width: 600px) {
      .ci-row { flex-direction: column; gap: 0; }
      .ci-addr-row { flex-wrap: wrap; }
      .ci-addr-state, .ci-addr-zip { max-width: none; flex: 1; min-width: 80px; }
      .ci-submit-btn { font-size: 14px; padding: 15px; }
      .ci-accordion-body { padding: 0 16px; }
      .ci-accordion.open .ci-accordion-body { padding: 20px 16px; }
      .ci-accordion-header { padding: 14px 16px; }
    }

    /* NDA: peek at the first few lines of the agreement - first body line
       at full opacity, next two faded out by a mask gradient so the text
       literally dissolves into the page. Click the underlined "Read the
       full agreement" link below to remove the mask and reveal everything. */
    .nda-collapsible { margin: 8px 0 64px; }
    .nda-collapsible-body {
      max-height: 120px;
      overflow: hidden;
      /* Smooth single-slope fade - heading + first body line stay at
         full opacity, then a straight gradient down to 0 by the middle
         of the third line so it cleanly dissolves mid-word. */
      -webkit-mask-image: linear-gradient(to bottom,
        #000 0%,
        #000 55%,
        transparent 90%);
              mask-image: linear-gradient(to bottom,
        #000 0%,
        #000 55%,
        transparent 90%);
      transition: max-height 0.35s ease;
    }
    .nda-collapsible.expanded .nda-collapsible-body {
      max-height: 20000px;
      -webkit-mask-image: none;
              mask-image: none;
    }
    .nda-expand-btn {
      display: inline-block;
      margin-top: 6px;
      padding: 0;
      background: none;
      border: 0;
      font-family: Inter, sans-serif;
      font-size: 14px;
      font-weight: 500;
      color: #183866;
      text-decoration: underline;
      text-underline-offset: 3px;
      cursor: pointer;
    }
    .nda-expand-btn:hover { color: #143B73; }
    .nda-expand-btn:focus-visible { outline: 2px solid #183866; outline-offset: 3px; border-radius: 2px; }

    /* Small check baked into the "Signed - Continue" button (NDA revisit). */
    .signed-check {
      display: inline-flex;
      align-items: center; justify-content: center;
      width: 18px; height: 18px;
      margin-right: 10px;
      border-radius: 50%;
      background: rgba(255,255,255,0.18);
      font-size: 11px; font-weight: 700;
      vertical-align: -2px;
    }

    /* Already-submitted card shown on W-9 revisit instead of the full form.
       Same visual language used by other "done" affordances. */
    .already-done-block {
      max-width: 480px;
      margin: 32px auto 24px;
      padding: 36px 28px;
      text-align: center;
      background: #FAFBFD;
      border: 1px solid #E0E4EC;
      border-radius: 14px;
    }
    .already-done-block .adb-icon {
      display: inline-flex;
      align-items: center; justify-content: center;
      width: 52px; height: 52px;
      margin: 0 auto 18px;
      border-radius: 50%;
      background: #E8F5ED;
      border: 2px solid #2D7A4F;
      color: #2D7A4F;
      font-size: 22px; font-weight: 700;
    }
    .already-done-block .adb-title {
      font-family: Inter, sans-serif;
      font-size: 18px; font-weight: 700; color: #1A1A2E;
      margin: 0 0 8px;
      letter-spacing: -0.2px;
    }
    .already-done-block .adb-body {
      font-family: Inter, sans-serif;
      font-size: 13px; font-weight: 400; color: #4A5568;
      line-height: 1.6;
      margin: 0 auto 24px;
      max-width: 380px;
    }
    .already-done-block .adb-continue {
      display: inline-block;
      padding: 13px 26px;
      background: #183866;
      color: #fff;
      border: 0;
      border-radius: 8px;
      font-family: Inter, sans-serif;
      font-size: 14px; font-weight: 600;
      letter-spacing: 0.3px;
      cursor: pointer;
      transition: background 0.15s ease;
    }
    .already-done-block .adb-continue:hover { background: #143B73; }

    /* Edit-warning modal - backdrop covers the screen; box is centered.
       Hidden via the [hidden] attribute, shown by removing it from JS. */
    .modal-backdrop {
      position: fixed; inset: 0;
      background: rgba(20, 30, 50, 0.45);
      display: flex; align-items: center; justify-content: center;
      z-index: 1000;
      padding: 24px;
      animation: modal-backdrop-in 0.18s ease-out;
    }
    .modal-backdrop[hidden] { display: none; }
    @keyframes modal-backdrop-in { from { opacity: 0; } to { opacity: 1; } }
    .modal-box {
      max-width: 440px; width: 100%;
      background: #fff;
      border-radius: 14px;
      padding: 28px 28px 22px;
      box-shadow: 0 22px 60px rgba(20, 30, 50, 0.28);
      animation: modal-box-in 0.22s cubic-bezier(0.4,0,0.2,1);
    }
    @keyframes modal-box-in {
      from { opacity: 0; transform: translateY(12px) scale(0.97); }
      to   { opacity: 1; transform: translateY(0) scale(1); }
    }
    .modal-title {
      font-family: Inter, sans-serif;
      font-size: 17px; font-weight: 700; color: #1A1A2E;
      margin: 0 0 10px;
      letter-spacing: -0.2px;
    }
    .modal-body {
      font-family: Inter, sans-serif;
      font-size: 14px; font-weight: 400; color: #4A5568;
      line-height: 1.6;
      margin: 0 0 22px;
    }
    .modal-actions {
      display: flex; gap: 10px; justify-content: flex-end;
      flex-wrap: wrap;
    }
    .modal-actions button {
      font-family: Inter, sans-serif;
      font-size: 13px; font-weight: 600;
      padding: 10px 18px;
      border-radius: 8px;
      cursor: pointer;
      transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease;
    }
    .modal-cancel {
      background: #fff;
      color: #4A5568;
      border: 1px solid #D8DEE8;
    }
    .modal-cancel:hover { background: #F1F4F9; border-color: #B8C1D1; }
    .modal-confirm {
      background: #183866;
      color: #fff;
      border: 1px solid #183866;
    }
    .modal-confirm:hover { background: #143B73; border-color: #143B73; }

    /* Suppress Chrome/Safari/Edge autofill yellow/blue. The browser won't
       let us change background-color directly, so paint over it with an
       inset box-shadow and stretch the transition so the original color
       can't ease back in on focus/hover/active. Text color is preserved. */
    input:-webkit-autofill,
    input:-webkit-autofill:hover,
    input:-webkit-autofill:focus,
    input:-webkit-autofill:active,
    select:-webkit-autofill,
    select:-webkit-autofill:hover,
    select:-webkit-autofill:focus,
    textarea:-webkit-autofill,
    textarea:-webkit-autofill:hover,
    textarea:-webkit-autofill:focus {
      -webkit-box-shadow: 0 0 0 1000px #fff inset !important;
              box-shadow: 0 0 0 1000px #fff inset !important;
      -webkit-text-fill-color: #183866 !important;
      caret-color: #183866;
      transition: background-color 99999s ease-in-out 0s;
    }