/* SimplyIOP Mockup — Edward Jones inspired design system */

:root {
  --color-charcoal: #3d3d3d;
  --color-navy: #1a4a7a;
  --color-blue-btn: #1557a0;
  --color-blue-hover: #0f3f7a;
  --color-gold: #f0b429;
  --color-gold-light: #fff8e1;
  --color-white: #ffffff;
  --color-bg-light: #f5f7fa;
  --color-border: #dde1e7;
  --color-text-primary: #1a1a1a;
  --color-text-muted: #6b7280;
  --color-link: #1a6bbf;
  --color-success: #2e7d32;
  --color-warning: #f59e0b;
  --color-error: #c62828;
  --color-panel-dark: #2d2d2d;
  --color-panel-border: #4a4a4a;
  --color-promo-bg: #e8f0fa;
  --header-height: 56px;
  --radius: 4px;
  --shadow: 0 1px 4px rgba(0, 0, 0, 0.1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Lato', 'Open Sans', system-ui, -apple-system, sans-serif;
  font-size: 1rem;
  line-height: 1.6;
  color: var(--color-text-primary);
  background: var(--color-bg-light);
}

a { color: var(--color-link); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; height: auto; }

/* ── Logo ── */
.logo {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--color-white);
  text-decoration: none;
}
.logo:hover { text-decoration: none; }
.logo-badge {
  background: var(--color-gold);
  color: var(--color-charcoal);
  padding: 2px 6px;
  border-radius: 2px;
  font-weight: 900;
  font-size: 0.875rem;
}
.logo-dark { color: var(--color-charcoal); }
.logo-dark .logo-badge { color: var(--color-charcoal); }

/* ── Site Header ── */
.site-header {
  background: var(--color-charcoal);
  height: var(--header-height);
  display: flex;
  align-items: center;
  padding: 0 24px;
  position: sticky;
  top: 0;
  z-index: 100;
}
.site-header-inner {
  width: 100%;
  max-width: 1400px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 24px;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}
.main-nav a {
  color: var(--color-white);
  font-size: 0.875rem;
  padding: 8px 12px;
  text-decoration: none;
  white-space: nowrap;
}
.main-nav a:hover { text-decoration: underline; text-decoration-color: var(--color-gold); }
.main-nav .nav-icon { font-size: 1rem; padding: 8px 10px; }
.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-left: auto;
}
.avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--color-navy);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  cursor: pointer;
}
.avatar-dropdown {
  display: flex;
  align-items: center;
  gap: 4px;
  color: var(--color-white);
  font-size: 0.875rem;
  cursor: pointer;
}
.hamburger {
  display: none;
  background: none;
  border: none;
  color: var(--color-white);
  font-size: 1.5rem;
  cursor: pointer;
  padding: 4px 8px;
}

/* ── Welcome Hero Strip ── */
.welcome-strip {
  background: var(--color-charcoal);
  padding: 32px 48px;
}
.welcome-strip h1 {
  font-size: 2.25rem;
  font-weight: 300;
  color: var(--color-white);
  margin-bottom: 4px;
}
.welcome-strip .subtitle {
  color: rgba(255, 255, 255, 0.85);
  font-size: 1.125rem;
  font-weight: 300;
  max-width: 720px;
}
.welcome-strip .role-badge {
  color: #9ca3af;
  font-size: 0.875rem;
  margin-top: 8px;
}
.welcome-strip .status-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255, 255, 255, 0.12);
  color: var(--color-white);
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.875rem;
  margin-top: 8px;
}
.welcome-strip .status-dot { color: #4ade80; }
.welcome-strip .hero-actions {
  display: flex;
  gap: 16px;
  margin-top: 24px;
  flex-wrap: wrap;
}

/* ── Layout ── */
.page-content {
  padding: 32px 48px;
  max-width: 1400px;
  margin: 0 auto;
}
.two-col {
  display: grid;
  grid-template-columns: 60% 36%;
  gap: 4%;
}
.two-col-equal {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

/* ── Cards ── */
.card {
  background: var(--color-white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
  margin-bottom: 16px;
}
.card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
}
.card-header h2, .card-header h3 {
  font-size: 1.125rem;
  font-weight: 700;
}
.card-link {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-link);
}

/* ── Buttons ── */
.btn {
  display: inline-block;
  border-radius: var(--radius);
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  text-align: center;
  text-decoration: none;
  transition: background 0.2s, border-color 0.2s;
  border: none;
  font-family: inherit;
}
.btn-primary {
  background: var(--color-blue-btn);
  color: var(--color-white);
  padding: 12px 24px;
}
.btn-primary:hover { background: var(--color-blue-hover); text-decoration: none; color: var(--color-white); }
.btn-primary.full-width { width: 100%; display: block; }
.btn-outline {
  background: var(--color-white);
  color: var(--color-blue-btn);
  border: 1.5px solid var(--color-blue-btn);
  padding: 10px 20px;
  font-size: 0.875rem;
}
.btn-outline:hover { background: #f0f4f8; text-decoration: none; }
.btn-outline-white {
  background: transparent;
  color: var(--color-white);
  border: 1.5px solid var(--color-white);
  padding: 10px 20px;
  font-size: 0.875rem;
}
.btn-outline-white:hover { background: rgba(255,255,255,0.1); text-decoration: none; color: var(--color-white); }
.btn-gold {
  background: var(--color-gold);
  color: var(--color-charcoal);
  padding: 10px 20px;
  font-size: 0.875rem;
}
.btn-gold:hover { background: #d9a020; text-decoration: none; color: var(--color-charcoal); }
.btn-outline-red {
  background: var(--color-white);
  color: var(--color-error);
  border: 1.5px solid var(--color-error);
  padding: 10px 20px;
  font-size: 0.875rem;
}
.btn-sm { padding: 8px 16px; font-size: 0.875rem; }
.btn-logout {
  background: transparent;
  color: var(--color-white);
  border: 1.5px solid var(--color-white);
  padding: 6px 16px;
  font-size: 0.8125rem;
  border-radius: var(--radius);
  cursor: pointer;
  font-weight: 700;
  font-family: inherit;
}
.btn-logout:hover { background: rgba(255,255,255,0.1); }

/* ── Data Tables ── */
.data-table { width: 100%; border-collapse: collapse; }
.data-table thead th {
  font-weight: 700;
  font-size: 0.875rem;
  border-bottom: 2px solid var(--color-border);
  padding: 12px 8px;
  text-align: left;
}
.data-table thead th.right { text-align: right; }
.data-table tbody tr { border-bottom: 1px solid var(--color-border); }
.data-table tbody tr:hover { background: #f0f4f8; }
.data-table tbody tr.clickable { cursor: pointer; }
.data-table td { padding: 16px 8px; vertical-align: middle; }
.data-table td.right { text-align: right; }
.account-link {
  color: var(--color-link);
  font-weight: 700;
  text-decoration: none;
}
.account-link:hover { text-decoration: underline; }
.account-sub { font-size: 0.813rem; color: var(--color-text-muted); margin-top: 2px; }
.amount { font-size: 1rem; font-weight: 700; text-align: right; }
.table-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 16px;
  flex-wrap: wrap;
  gap: 12px;
}
.table-total {
  font-size: 0.9375rem;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--color-border);
}
.table-total strong { font-weight: 700; }

/* ── Reminder / Promo Cards ── */
.reminder-card {
  background: var(--color-white);
  border-radius: var(--radius);
  border: 1px solid var(--color-border);
  padding: 20px;
  margin-bottom: 16px;
}
.reminder-card.urgent { border-left: 4px solid var(--color-error); }
.reminder-card .reminder-header {
  display: flex;
  gap: 16px;
  margin-bottom: 12px;
}
.reminder-icon {
  width: 56px;
  height: 56px;
  min-width: 56px;
  background: var(--color-gold-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
}
.reminder-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.reminder-card p { font-size: 0.9375rem; color: var(--color-text-muted); margin-bottom: 16px; }
.promo-card {
  background: var(--color-promo-bg);
  border-radius: var(--radius);
  padding: 20px;
  margin-bottom: 16px;
}
.promo-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.promo-card p { font-size: 0.9375rem; color: var(--color-text-muted); margin-bottom: 12px; }
.promo-card a { font-weight: 700; }

/* ── Upsell Cards ── */
.upsell-gold {
  background: var(--color-gold-light);
  border-left: 4px solid var(--color-gold);
  padding: 16px 20px;
  border-radius: var(--radius);
  margin: 16px 0;
  font-size: 0.9375rem;
}
.upsell-gold a { font-weight: 700; }
.upsell-row {
  background: var(--color-gold-light);
  padding: 12px 16px;
  font-size: 0.875rem;
  border-radius: var(--radius);
  margin-top: 16px;
}
.upsell-highlight {
  background: var(--color-gold-light);
  border: 1px solid var(--color-gold);
  padding: 16px 20px;
  border-radius: var(--radius);
  margin: 16px 0;
}

/* ── Stats Bar ── */
.stats-bar {
  display: flex;
  gap: 32px;
  padding: 20px 0;
  flex-wrap: wrap;
}
.stat-item { text-align: center; }
.stat-value { font-size: 1.5rem; font-weight: 700; color: var(--color-navy); }
.stat-label { font-size: 0.8125rem; color: var(--color-text-muted); }

/* ── Forms ── */
.form-group { position: relative; margin-bottom: 20px; }
.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 20px 12px 8px;
  border: 1px solid #b0b8c4;
  border-radius: var(--radius);
  font-size: 1rem;
  background: var(--color-white);
  outline: none;
  font-family: inherit;
}
.form-textarea { padding-top: 28px; min-height: 120px; resize: vertical; }
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--color-blue-btn);
  box-shadow: 0 0 0 2px rgba(21, 87, 160, 0.15);
}
.form-label {
  position: absolute;
  top: 6px;
  left: 12px;
  font-size: 0.75rem;
  color: var(--color-text-muted);
  pointer-events: none;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-checkbox {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  margin-bottom: 16px;
}
.form-checkbox input { width: 16px; height: 16px; }
.radio-group { display: flex; gap: 20px; flex-wrap: wrap; margin: 12px 0; }
.radio-group label { display: flex; align-items: center; gap: 6px; font-size: 0.9375rem; cursor: pointer; }
.toggle-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--color-border);
}
.toggle-switch {
  width: 44px;
  height: 24px;
  background: var(--color-border);
  border-radius: 12px;
  position: relative;
  cursor: pointer;
}
.toggle-switch.on { background: var(--color-blue-btn); }
.toggle-switch::after {
  content: '';
  position: absolute;
  width: 20px;
  height: 20px;
  background: white;
  border-radius: 50%;
  top: 2px;
  left: 2px;
  transition: left 0.2s;
}
.toggle-switch.on::after { left: 22px; }

/* ── Drop Zone ── */
.drop-zone {
  border: 2px dashed var(--color-border);
  border-radius: var(--radius);
  padding: 40px 24px;
  text-align: center;
  color: var(--color-text-muted);
  margin-bottom: 16px;
  cursor: pointer;
}
.drop-zone:hover { border-color: var(--color-blue-btn); background: #f8fafc; }
.drop-zone-icon { font-size: 2rem; margin-bottom: 8px; }

/* ── Login Page ── */
.login-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 100vh;
}
.login-left {
  background: var(--color-white);
  padding: 48px;
  border-left: 6px solid var(--color-gold);
  display: flex;
  flex-direction: column;
}
.login-left h2 {
  font-size: 1.5rem;
  font-weight: 700;
  margin: 32px 0 24px;
}
.login-footer {
  margin-top: auto;
  padding-top: 32px;
  border-top: 1px solid var(--color-border);
  font-size: 0.8125rem;
  color: var(--color-text-muted);
}
.login-footer-links { display: flex; gap: 16px; margin-bottom: 12px; flex-wrap: wrap; }
.login-right {
  background: var(--color-panel-dark);
  padding: 48px;
  color: var(--color-white);
}
.login-right h3 { font-size: 1.25rem; font-weight: 700; margin-bottom: 12px; }
.login-right > p { color: #b0b0b0; margin-bottom: 24px; font-size: 0.9375rem; }
.dark-panel-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  border-bottom: 1px solid var(--color-panel-border);
  color: #e0e0e0;
  font-size: 0.9375rem;
  cursor: pointer;
  text-decoration: none;
}
.dark-panel-item:hover, .dark-panel-item.hovered { color: var(--color-white); text-decoration: none; }
.dark-panel-item .chevron { color: #9ca3af; }
.dark-panel-heading {
  font-weight: 700;
  color: var(--color-white);
  font-size: 0.875rem;
  margin: 24px 0 8px;
}

/* ── Wizard ── */
.wizard-container {
  max-width: 760px;
  margin: 0 auto;
}
.wizard-progress {
  display: flex;
  justify-content: space-between;
  margin-bottom: 32px;
  position: relative;
}
.wizard-progress::before {
  content: '';
  position: absolute;
  top: 12px;
  left: 24px;
  right: 24px;
  height: 2px;
  background: var(--color-border);
  z-index: 0;
}
.wizard-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  position: relative;
  z-index: 1;
  flex: 1;
}
.wizard-dot {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-border);
  border: 3px solid var(--color-white);
}
.wizard-dot.complete { background: var(--color-gold); }
.wizard-dot.current { background: var(--color-navy); }
.wizard-step-label {
  font-size: 0.6875rem;
  color: var(--color-text-muted);
  text-align: center;
  max-width: 80px;
}
.wizard-step-label.active { color: var(--color-navy); font-weight: 700; }
.wizard-panel { display: none; }
.wizard-panel.active { display: block; }
.wizard-actions {
  display: flex;
  justify-content: space-between;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--color-border);
}

/* ── Tabs ── */
.tab-bar {
  background: var(--color-white);
  border-bottom: 1px solid var(--color-border);
  display: flex;
  gap: 0;
  overflow-x: auto;
  padding: 0 48px;
}
.tab-btn {
  background: none;
  border: none;
  padding: 16px 20px;
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  white-space: nowrap;
  font-family: inherit;
  font-weight: 400;
}
.tab-btn:hover { color: var(--color-navy); }
.tab-btn.active {
  color: var(--color-navy);
  font-weight: 700;
  border-bottom-color: var(--color-navy);
}
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ── Pledge Page ── */
.pledge-wrapper {
  min-height: 100vh;
  background: var(--color-bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px 16px;
}
.pledge-card {
  background: var(--color-white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 40px;
  max-width: 560px;
  width: 100%;
}
.pledge-header {
  text-align: center;
  margin-bottom: 32px;
}
.pledge-header h1 { font-size: 1.25rem; font-weight: 700; margin: 16px 0 4px; }
.pledge-header h2 { font-size: 1rem; font-weight: 400; color: var(--color-text-muted); }
.stripe-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.75rem;
  color: var(--color-text-muted);
  margin-top: 8px;
}
.amount-buttons {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin: 16px 0;
}
.amount-btn {
  padding: 12px;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius);
  background: var(--color-white);
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  font-size: 0.9375rem;
}
.amount-btn:hover, .amount-btn.selected {
  border-color: var(--color-blue-btn);
  background: #f0f4f8;
  color: var(--color-blue-btn);
}
.payment-tabs {
  display: flex;
  gap: 0;
  margin-bottom: 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  overflow: hidden;
}
.payment-tab {
  flex: 1;
  padding: 10px;
  text-align: center;
  background: var(--color-bg-light);
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 0.875rem;
}
.payment-tab.active { background: var(--color-white); font-weight: 700; color: var(--color-blue-btn); }
.pledge-total-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin: 24px 0;
  padding-top: 16px;
  border-top: 1px solid var(--color-border);
}
.pledge-total-row .total { font-size: 1.25rem; font-weight: 700; }
.pledge-secure {
  text-align: center;
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  margin-top: 16px;
}
.pledge-thankyou { text-align: center; display: none; }
.pledge-thankyou.visible { display: block; }
.pledge-form.hidden { display: none; }

/* ── Chart Placeholders ── */
.chart-placeholder {
  background: linear-gradient(180deg, #f0f4f8 0%, #e8edf2 100%);
  border-radius: var(--radius);
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-text-muted);
  font-size: 0.875rem;
  margin-top: 16px;
  position: relative;
  overflow: hidden;
}
.chart-placeholder::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 60%;
  background: linear-gradient(to top, rgba(21,87,160,0.15), transparent);
  clip-path: polygon(0 100%, 10% 70%, 25% 80%, 40% 50%, 55% 60%, 70% 30%, 85% 45%, 100% 20%, 100% 100%);
}
.donut-placeholder {
  width: 160px;
  height: 160px;
  border-radius: 50%;
  border: 24px solid var(--color-gold);
  border-right-color: var(--color-navy);
  border-bottom-color: #94a3b8;
  margin: 16px auto;
}

/* ── Timeline ── */
.timeline {
  display: flex;
  gap: 0;
  margin: 24px 0;
  overflow-x: auto;
}
.timeline-step {
  flex: 1;
  text-align: center;
  padding: 16px 12px;
  border-top: 3px solid var(--color-border);
  min-width: 120px;
  position: relative;
}
.timeline-step.complete { border-top-color: var(--color-success); }
.timeline-step.current { border-top-color: var(--color-navy); background: #f0f4f8; }
.timeline-step .step-label { font-weight: 700; font-size: 0.875rem; }
.timeline-step .step-detail { font-size: 0.75rem; color: var(--color-text-muted); margin-top: 4px; }

/* ── Letter Grid ── */
.letter-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
  gap: 16px;
}
.letter-thumb {
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 12px;
  text-align: center;
  cursor: pointer;
  transition: box-shadow 0.2s;
}
.letter-thumb:hover { box-shadow: var(--shadow); }
.letter-preview-box {
  background: var(--color-bg-light);
  height: 100px;
  border-radius: 2px;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  color: var(--color-text-muted);
}
.letter-thumb-label { font-size: 0.8125rem; font-weight: 700; }

/* ── Matrix Table ── */
.matrix-table td, .matrix-table th { text-align: center; padding: 8px; }
.matrix-table input[type="checkbox"] { width: 18px; height: 18px; }

/* ── Merge Fields ── */
.merge-fields {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 12px 0;
}
.merge-field {
  background: var(--color-bg-light);
  border: 1px solid var(--color-border);
  padding: 4px 10px;
  border-radius: 20px;
  font-size: 0.8125rem;
  font-family: monospace;
  cursor: pointer;
}
.merge-field:hover { background: var(--color-gold-light); }

/* ── Search / Filter Bar ── */
.filter-bar {
  display: flex;
  gap: 12px;
  margin-bottom: 16px;
  flex-wrap: wrap;
}
.filter-bar input, .filter-bar select {
  padding: 8px 12px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  font-size: 0.875rem;
  font-family: inherit;
}
.filter-bar input { flex: 1; min-width: 200px; }

/* ── Badges ── */
.badge {
  display: inline-block;
  padding: 2px 10px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
}
.badge-success { background: #e8f5e9; color: var(--color-success); }
.badge-warning { background: #fff8e1; color: #e65100; }
.badge-error { background: #ffebee; color: var(--color-error); }
.badge-draft { background: #f3f4f6; color: var(--color-text-muted); }
.countdown { color: var(--color-error); font-weight: 700; font-size: 0.875rem; margin-top: 8px; }
.health-metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  text-align: center;
}
.health-metric .value { font-size: 1.25rem; font-weight: 700; color: var(--color-navy); }
.health-metric .label { font-size: 0.75rem; color: var(--color-text-muted); }

/* ── Reseller Split Hero ── */
.split-hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 400px;
}
.split-hero-left {
  background: var(--color-white);
  padding: 48px;
  border-left: 6px solid var(--color-gold);
}
.split-hero-right {
  background: var(--color-panel-dark);
  padding: 48px;
  color: var(--color-white);
}

/* ── Modal ── */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  z-index: 200;
  align-items: center;
  justify-content: center;
  padding: 24px;
}
.modal-overlay.open { display: flex; }
.modal {
  background: var(--color-white);
  border-radius: var(--radius);
  max-width: 520px;
  width: 100%;
  padding: 32px;
  position: relative;
}
.modal h2 { font-size: 1.25rem; margin-bottom: 12px; }
.modal p { color: var(--color-text-muted); margin-bottom: 20px; }
.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--color-text-muted);
}

/* ── Notice ── */
.notice {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  padding: 12px 16px;
  background: #ffebee;
  border-radius: var(--radius);
  font-size: 0.875rem;
  margin: 16px 0;
}
.notice strong { color: var(--color-error); }

/* ── Stripe Mock ── */
.stripe-element {
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 12px;
  background: var(--color-bg-light);
  margin-bottom: 12px;
}
.stripe-element label { font-size: 0.75rem; color: var(--color-text-muted); display: block; margin-bottom: 4px; }

/* ── Pricing Table ── */
.pricing-table .feature-check { color: var(--color-success); }
.pricing-highlight { background: #f0f4f8; }

/* ── Section Title ── */
.section-title {
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 24px;
  padding-top: 16px;
}

/* ── How It Works Steps ── */
.steps-list { list-style: none; counter-reset: steps; }
.steps-list li {
  counter-increment: steps;
  padding: 12px 0 12px 48px;
  position: relative;
  border-bottom: 1px solid var(--color-border);
  font-size: 0.9375rem;
}
.steps-list li::before {
  content: counter(steps);
  position: absolute;
  left: 0;
  width: 32px;
  height: 32px;
  background: var(--color-gold-light);
  color: var(--color-navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.875rem;
}

/* ── Admin pending card ── */
.pending-card { border-left: 4px solid var(--color-error); }
.pending-card ul { list-style: none; margin: 12px 0; }
.pending-card li { padding: 4px 0; font-size: 0.875rem; color: var(--color-text-muted); }

/* ── Mobile ── */
@media (max-width: 1024px) {
  .two-col, .two-col-equal, .split-hero, .login-wrapper { grid-template-columns: 1fr; }
  .login-right { order: -1; }
  .page-content, .welcome-strip { padding: 24px; }
  .tab-bar { padding: 0 24px; }
  .wizard-progress { flex-wrap: wrap; gap: 16px; }
  .wizard-progress::before { display: none; }
}

@media (max-width: 768px) {
  .hamburger { display: block; }
  .main-nav {
    display: none;
    position: absolute;
    top: var(--header-height);
    left: 0;
    right: 0;
    background: var(--color-charcoal);
    flex-direction: column;
    padding: 16px;
    z-index: 99;
  }
  .main-nav.open { display: flex; }
  .header-actions .btn-logout { display: none; }
  .welcome-strip h1 { font-size: 1.75rem; }
  .form-row { grid-template-columns: 1fr; }
  .amount-buttons { grid-template-columns: repeat(2, 1fr); }
  .health-metrics { grid-template-columns: 1fr; }
}