/* ── CARDS ── */
.card{background:linear-gradient(to bottom,#ffffff,#fafcff);border-radius:var(--radius);
  border:1px solid rgba(0,0,0,.04);box-shadow:0 2px 12px rgba(0,0,0,.05),0 1px 2px rgba(0,0,0,.04);
  padding:22px 24px;transition:transform .2s ease,box-shadow .2s ease}
.card:hover{box-shadow:0 8px 28px rgba(0,0,0,.08),0 2px 4px rgba(0,0,0,.04)}
.card-title{font-size:14px;font-weight:600;margin-bottom:16px}
.card-sub{font-size:12px;color:var(--text-muted);margin-top:2px;font-weight:400}

/* ── STATS ── */
.stats-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(148px,1fr));gap:14px;margin-bottom:22px}
.stat-card{background:linear-gradient(to bottom,#ffffff,#fafcff);border-radius:var(--radius);border:1px solid rgba(0,0,0,.04);padding:18px 20px;box-shadow:0 2px 12px rgba(0,0,0,.05);transition:transform .2s ease,box-shadow .2s ease}
.stat-card:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.08)}
.stat-label{font-size:11px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--text-muted);margin-bottom:7px}
.stat-value{font-size:22px;font-weight:600;font-family:'DM Mono',monospace;letter-spacing:-.5px}
.stat-value.green{color:var(--green)} .stat-value.red{color:var(--red)} .stat-value.blue{color:var(--accent)}
.stat-sub{font-size:11px;color:var(--text-muted);margin-top:3px}

/* ── GRIDS ── */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:18px}
.grid-1-2{display:grid;grid-template-columns:1fr 2fr;gap:18px}

/* ── TABLES ── */
.tbl{width:100%;border-collapse:collapse}
.tbl th{text-align:left;font-size:11px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;
  color:var(--text-muted);padding:0 12px 10px;border-bottom:1px solid var(--gray-200)}
.tbl td{padding:11px 12px;border-bottom:1px solid var(--gray-100);font-size:13.5px}
.tbl tr:last-child td{border-bottom:none}
.tbl tr:hover td{background:var(--gray-50)}
.mono{font-family:'DM Mono',monospace;font-size:13px}

/* ── BADGES ── */
.badge{display:inline-flex;align-items:center;padding:3px 9px;border-radius:20px;font-size:11px;font-weight:600}
.badge-green{background:rgba(16,185,129,.1);color:#059669}
.badge-red{background:rgba(239,68,68,.1);color:#DC2626}
.badge-blue{background:rgba(59,130,246,.1);color:#2563EB}
.badge-amber{background:rgba(245,158,11,.1);color:#D97706}
.badge-gray{background:var(--gray-100);color:var(--gray-600)}

/* ── BUTTONS ── */
.btn{display:inline-flex;align-items:center;gap:6px;padding:8px 16px;border-radius:8px;
  font-size:13px;font-weight:500;transition:all .18s cubic-bezier(.4,0,.2,1);cursor:pointer}
.btn:active{transform:scale(.96)}
.btn-blue{background:var(--accent);color:var(--white);box-shadow:0 2px 8px rgba(30,99,255,.25)} .btn-blue:hover{background:var(--accent-dim);box-shadow:0 4px 16px rgba(30,99,255,.35)}
.btn-outline{background:transparent;color:var(--text);border:1px solid var(--gray-200)} .btn-outline:hover{background:var(--gray-100);border-color:var(--gray-400)}
.btn-danger{background:rgba(239,68,68,.08);color:var(--red);border:1px solid rgba(239,68,68,.2)} .btn-danger:hover{background:rgba(239,68,68,.15)}
.btn-green{background:var(--green);color:var(--white);box-shadow:0 2px 8px rgba(16,185,129,.25)} .btn-green:hover{background:#059669}
.btn-sm{padding:6px 12px;font-size:12px}

/* ── FORMS ── */
.form-row{display:grid;gap:14px;margin-bottom:14px}
.form-row.cols-2{grid-template-columns:1fr 1fr}
.form-row.cols-3{grid-template-columns:1fr 1fr 1fr}
.form-group label,.form-label{display:block;font-size:12px;font-weight:500;color:var(--text-muted);margin-bottom:5px}
.form-group input,.form-group select,.form-group textarea,.form-input{width:100%;padding:9px 12px;
  border:1px solid var(--gray-200);border-radius:7px;font-size:13.5px;color:var(--text);background:var(--white);transition:border-color .15s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus,.form-input:focus{border-color:var(--accent)}
.form-group textarea{resize:vertical;min-height:70px}

/* ── MODAL ── */
.modal-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:200;
  align-items:center;justify-content:center;backdrop-filter:blur(2px)}
.modal-overlay.open{display:flex;animation:fadeIn .15s ease}
.modal{background:var(--white);border-radius:14px;padding:28px;width:520px;max-width:95vw;
  max-height:90vh;overflow-y:auto;box-shadow:var(--shadow-lg);animation:fadeUp .2s ease}
.modal-lg{width:720px} .modal-xl{width:960px}
.modal-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px}
.modal-title{font-size:17px;font-weight:600}
.btn-close{background:var(--gray-100);border-radius:50%;width:30px;height:30px;display:flex;align-items:center;justify-content:center;font-size:16px;color:var(--gray-600)}
.btn-close:hover{background:var(--gray-200)}
.modal-footer{display:flex;justify-content:flex-end;gap:10px;margin-top:22px;border-top:1px solid var(--gray-200);padding-top:18px}

/* ── TABS ── */
.tab-bar{display:flex;gap:4px;margin-bottom:20px;flex-wrap:wrap}
.tab{padding:7px 14px;border-radius:7px;font-size:12.5px;font-weight:500;background:var(--white);
  color:var(--text-muted);border:1px solid var(--gray-200);cursor:pointer;transition:all .15s;white-space:nowrap}
.tab:hover{border-color:var(--accent);color:var(--accent)}
.tab.active{background:var(--accent);color:var(--white);border-color:var(--accent)}
.plan-tab{padding:5px 12px;border-radius:6px;font-size:12px;font-weight:500;background:var(--white);
  color:var(--text-muted);border:1px solid var(--gray-200);cursor:pointer;transition:all .15s;white-space:nowrap}
.plan-tab:hover{border-color:var(--accent);color:var(--accent)}
.plan-tab.active{background:var(--accent);color:var(--white);border-color:var(--accent)}

/* ── MEMBER TABS ── */
.member-tab-bar{display:flex;gap:8px;margin-bottom:18px;flex-wrap:wrap}
.member-tab{display:flex;align-items:center;gap:8px;padding:8px 16px;border-radius:8px;
  font-size:13px;font-weight:500;background:var(--white);color:var(--text-muted);
  border:1px solid var(--gray-200);cursor:pointer;transition:all .15s}
.member-tab:hover{border-color:var(--accent);color:var(--accent)}
.member-tab.active{background:var(--navy);color:var(--white);border-color:var(--navy)}
.member-avatar{width:24px;height:24px;border-radius:50%;display:flex;align-items:center;
  justify-content:center;font-size:10px;font-weight:700;flex-shrink:0}

/* ── FAMILY CARD ── */
.family-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius);
  padding:18px 20px;box-shadow:var(--shadow);cursor:pointer;transition:all .2s;margin-bottom:10px}
.family-card:hover{border-color:var(--accent);box-shadow:0 4px 20px rgba(59,130,246,.12);transform:translateY(-1px)}
.family-card-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px}
.family-card-name{font-size:15px;font-weight:600}
.family-members-row{display:flex;gap:6px;flex-wrap:wrap}
.member-pill{display:inline-flex;align-items:center;gap:5px;padding:3px 10px;border-radius:20px;
  font-size:11.5px;font-weight:500;background:var(--gray-100);color:var(--text-muted)}
.member-pill.primary{background:rgba(59,130,246,.08);color:var(--accent)}

/* ── ALLOC BARS ── */
.alloc-row{display:flex;align-items:center;gap:10px;margin-bottom:9px;font-size:13px}
.alloc-label{width:130px;flex-shrink:0;color:var(--text-muted)}
.alloc-bar-wrap{flex:1;height:8px;background:var(--gray-200);border-radius:4px;overflow:hidden}
.alloc-bar-fill{height:100%;border-radius:4px;transition:width .4s ease}
.alloc-pct{width:38px;text-align:right;font-weight:600;font-family:'DM Mono',monospace;font-size:12px}
.alloc-amt{width:80px;text-align:right;font-family:'DM Mono',monospace;font-size:11px;color:var(--text-muted)}

/* ── INSIGHT ── */
.insight{display:flex;gap:12px;padding:12px 14px;border-radius:9px;margin-bottom:8px}
.insight-icon{font-size:16px;flex-shrink:0}
.insight-text{font-size:13px;line-height:1.5}
.insight-text strong{display:block;margin-bottom:1px;font-size:13px}
.insight.green{background:rgba(16,185,129,.07)} .insight.red{background:rgba(239,68,68,.07)}
.insight.amber{background:rgba(245,158,11,.07)} .insight.blue{background:rgba(59,130,246,.07)}

/* ── SECTION LABEL ── */
.section-label{font-size:11px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--text-muted);margin-bottom:12px}
.divider{height:1px;background:var(--gray-200);margin:18px 0}

/* ── PLAN OUTPUT ── */
.plan-output{font-size:14px;line-height:1.75;color:var(--text)}
.plan-output h2{font-size:15px;font-weight:700;color:var(--navy);margin:22px 0 8px;
  padding-bottom:6px;border-bottom:1px solid var(--gray-200)}
.plan-output h3{font-size:13.5px;font-weight:600;color:var(--accent);margin:14px 0 5px}
.plan-output strong{font-weight:600}
.risk-options{display:flex;flex-direction:column;gap:8px}
.risk-opt{padding:11px 14px;border:1.5px solid var(--gray-200);border-radius:8px;font-size:13px;cursor:pointer;transition:all .15s;color:var(--text)}
.risk-opt:hover{border-color:var(--accent);background:rgba(59,130,246,.04)}
.risk-opt.selected{border-color:var(--accent);background:rgba(59,130,246,.08);color:var(--accent);font-weight:500}
.risk-qnum{width:26px;height:26px;border-radius:50%;background:var(--accent);color:#fff;font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.risk-badge{display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border-radius:8px;font-size:14px;font-weight:600}
.risk-badge.conservative{background:rgba(16,185,129,.1);color:#047857}
.risk-badge.moderately-conservative{background:rgba(132,204,22,.1);color:#4D7C0F}
.risk-badge.moderate{background:rgba(245,158,11,.1);color:#B45309}
.risk-badge.moderately-aggressive{background:rgba(249,115,22,.1);color:#C2410C}
.risk-badge.aggressive{background:rgba(239,68,68,.1);color:#B91C1C}
.risk-badge.very-aggressive{background:rgba(127,29,29,.1);color:#7F1D1D}

/* ── SCORE RING ── */
.score-ring{position:relative;width:110px;height:110px;margin:0 auto}
.score-ring svg{transform:rotate(-90deg)}
.score-text{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.score-num{font-size:26px;font-weight:700;font-family:'DM Mono',monospace}
.score-lbl{font-size:10px;color:var(--text-muted);letter-spacing:.05em;text-transform:uppercase}

/* ── EMPTY STATE ── */
.empty{text-align:center;padding:50px 20px;color:var(--text-muted)}
.empty .icon{font-size:36px;margin-bottom:12px}
.empty h3{font-size:15px;font-weight:600;color:var(--text);margin-bottom:5px}
.empty p{font-size:13px}

/* ── TOAST ── */
#toast{position:fixed;bottom:24px;right:24px;z-index:999;padding:12px 18px;border-radius:9px;
  font-size:13.5px;font-weight:500;color:var(--white);box-shadow:var(--shadow-lg);
  transform:translateY(80px);opacity:0;transition:all .25s cubic-bezier(.34,1.56,.64,1);pointer-events:none}
#toast.show{transform:translateY(0);opacity:1}
#toast.success{background:var(--green)} #toast.error{background:var(--red)} #toast.info{background:var(--accent)}

/* ── CHART ── */
.chart-wrap{position:relative;height:220px}

/* ── ACCORDION TOGGLE ── */
.nw-accordion{display:flex;align-items:center;justify-content:space-between;
  padding:9px 12px;background:var(--gray-50);border-radius:9px;cursor:pointer;
  font-size:12.5px;font-weight:600;color:var(--text);user-select:none;margin-top:6px;transition:background .15s}
.nw-accordion:hover{background:var(--gray-100)}

/* ── CF BARS ── */
.cf-bar-row{margin-bottom:13px}
.cf-bar-labels{display:flex;justify-content:space-between;font-size:12px;margin-bottom:5px}
.cf-bar-wrap{height:7px;background:var(--gray-100);border-radius:4px;overflow:hidden}
.cf-bar-fill{height:100%;border-radius:4px;transition:width .4s ease}

/* ── LIFE EVENT / ACTION CARDS ── */
.action-priority-card{background:linear-gradient(135deg,#1E3A8A,#1D4ED8);border-radius:14px;padding:16px 18px;cursor:pointer;color:#fff;position:relative;overflow:hidden;margin-bottom:10px}
.action-priority-card::before{content:'';position:absolute;top:-20px;right:-20px;width:80px;height:80px;border-radius:50%;background:rgba(255,255,255,.07)}
.life-event-connector{width:2px;height:16px;background:var(--gray-200);margin-left:19px}

/* ── GOAL CARDS (client mobile) ── */
.goal-card{background:linear-gradient(to bottom,#fff,#fafcff);border:1px solid rgba(0,0,0,.06);
  border-radius:14px;padding:16px 18px;margin-bottom:12px;box-shadow:0 2px 10px rgba(0,0,0,.05)}
.goal-card-top{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:6px}
.goal-card-name{font-size:15px;font-weight:700;color:var(--text)}
.goal-card-amount{font-size:15px;font-weight:700;color:var(--text);font-family:'DM Mono',monospace;margin-left:8px}
.goal-card-meta{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}
.goal-card-sip{font-size:14px;font-weight:600;color:var(--accent)}
.goal-card-year{font-size:12.5px;font-weight:500;color:var(--text-muted)}
.goal-chip{display:inline-flex;align-items:center;padding:3px 9px;border-radius:20px;font-size:11px;font-weight:600;margin-right:5px;margin-bottom:4px}
.chip-urgent{background:rgba(245,158,11,.13);color:#B45309}
.chip-due{background:rgba(249,115,22,.13);color:#C2410C}
.chip-past{background:rgba(239,68,68,.12);color:#DC2626}
.chip-far{background:var(--gray-100);color:var(--text-muted)}
.chip-funded{background:rgba(16,185,129,.12);color:#059669}
.chip-return{background:rgba(99,102,241,.1);color:#4338CA}
.goal-prog-wrap{height:5px;background:var(--gray-100);border-radius:3px;margin:10px 0 5px;overflow:hidden}
.goal-prog-fill{height:100%;border-radius:3px;background:linear-gradient(90deg,var(--accent),#60a5fa)}
.goal-prog-label{display:flex;justify-content:space-between;font-size:11px;color:var(--text-muted);margin-bottom:8px}
.goal-funds{font-size:12px;color:var(--text-muted);line-height:1.5;margin-top:8px;padding-top:8px;border-top:1px solid var(--gray-100)}
.goal-note-toggle{display:flex;align-items:center;justify-content:space-between;
  padding:7px 10px;background:rgba(30,99,255,.05);border-radius:8px;cursor:pointer;
  margin-top:10px;font-size:11.5px;font-weight:600;color:var(--accent);user-select:none}
.goal-note-body{margin-top:4px;padding:10px 12px;background:rgba(30,99,255,.04);
  border-left:3px solid var(--accent);border-radius:0 8px 8px 0;font-size:13px;line-height:1.6;color:var(--text)}
.goals-summary{display:flex;background:var(--navy);border-radius:14px;overflow:hidden;margin-bottom:16px}
.goals-summary-item{flex:1;padding:13px 10px;text-align:center;border-right:1px solid rgba(255,255,255,.08)}
.goals-summary-item:last-child{border-right:none}
.goals-summary-val{font-size:14px;font-weight:700;color:#fff;font-family:'DM Mono',monospace;letter-spacing:-.3px}
.goals-summary-lbl{font-size:9.5px;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.5px;margin-top:2px}

/* ── SPINNER + KEYFRAMES ── */
.spinner{width:18px;height:18px;border:2px solid rgba(255,255,255,.3);border-top-color:var(--white);border-radius:50%;animation:spin .7s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}

/* ── PIPELINE KANBAN (desktop) ── */
.pipeline-board-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 -4px;padding:0 4px 4px}
.pipeline-board{display:flex;gap:12px;padding-bottom:12px;align-items:flex-start;min-width:max-content}
.pipeline-col{flex:0 0 200px;background:var(--gray-50,#f9fafb);border-radius:12px;padding:12px}

/* ── PIPELINE TABS (mobile) ── */
.pipeline-tabs{display:flex;gap:6px;overflow-x:auto;-webkit-overflow-scrolling:touch;padding-bottom:2px;scrollbar-width:none}
.pipeline-tabs::-webkit-scrollbar{display:none}
.pipeline-tab{flex:0 0 auto;display:flex;flex-direction:column;align-items:center;padding:7px 12px;border-radius:10px;border:1.5px solid var(--gray-200);background:var(--white);cursor:pointer;transition:background .15s,border-color .15s;gap:2px}
.pipeline-tab.active{border-color:currentColor}
.pipeline-tab-count{font-size:17px;font-weight:800;line-height:1}
.pipeline-tab-label{font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted);white-space:nowrap}
.pipeline-tab-cards{margin-top:12px}
.pipeline-col-header{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--text-muted);margin-bottom:10px;display:flex;justify-content:space-between;align-items:center}
.pipeline-col-count{background:var(--gray-200,#e5e7eb);color:var(--text-muted);border-radius:20px;padding:1px 7px;font-size:10px}
.pipeline-card{background:var(--white);border:1px solid var(--gray-200);border-radius:10px;padding:12px;margin-bottom:8px;cursor:pointer;transition:box-shadow .15s}
.pipeline-card:hover{box-shadow:0 2px 8px rgba(0,0,0,.08)}
.pipeline-card-name{font-size:13px;font-weight:700;color:var(--navy);margin-bottom:4px}
.pipeline-card-sub{font-size:11px;color:var(--text-muted);margin-bottom:6px;min-height:14px}
.pipeline-card-action{font-size:11px;font-weight:600;color:var(--accent);background:none;border:none;padding:0;cursor:pointer}
.pipeline-expiry-warn{color:#ef4444}
.ob-progress-bar{height:4px;background:var(--gray-200,#e5e7eb);border-radius:2px;margin:4px 0 5px}
.ob-progress-fill{height:4px;background:var(--accent);border-radius:2px}

/* ── PIPELINE SUMMARY CHIPS (dashboard) ── */
.pipeline-summary{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:16px}
.pipeline-chip{display:flex;flex-direction:column;align-items:center;padding:10px 16px;border-radius:10px;background:var(--white);border:1px solid var(--gray-200);min-width:80px;cursor:pointer;transition:box-shadow .15s}
.pipeline-chip:hover{box-shadow:0 2px 8px rgba(0,0,0,.07)}
.pipeline-chip-count{font-size:20px;font-weight:800;line-height:1}
.pipeline-chip-label{font-size:10px;font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-top:4px;color:var(--text-muted)}


/* ── CLIENT PREVIEW BANNER ── */
#client-preview-banner{flex-shrink:0;gap:12px}
#exit-preview-btn:hover{background:rgba(255,255,255,.28)!important}
#view-as-client-btn{display:flex;align-items:center;gap:5px}