:root {
  --bg: #f6f5f1;
  --surface: #ffffff;
  --ink: #1b1d20;
  --ink-2: #4a4f57;
  --muted: #7a7f87;
  --line: #e6e3dc;
  --accent: #1f6f5c;
  --accent-ink: #ffffff;
  --accent-soft: #e5f1ed;
  --warn-soft: #fbeee6;
  --warn: #b4532a;
  --keep-soft: #eaf2fb;
  --keep: #2d5f9a;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(20, 22, 25, .04), 0 4px 16px rgba(20, 22, 25, .04);
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #131416;
    --surface: #1b1d20;
    --ink: #eceae6;
    --ink-2: #bdbbb6;
    --muted: #8b8a86;
    --line: #2a2c30;
    --accent: #4fb596;
    --accent-ink: #0d1f19;
    --accent-soft: #1b2d27;
    --warn-soft: #2e211b;
    --warn: #e08a63;
    --keep-soft: #1a2433;
    --keep: #7fb0e8;
    --shadow: none;
  }
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 { line-height: 1.25; margin: 0; letter-spacing: -0.01em; }
p { margin: 0; }
strong { font-weight: 600; color: var(--ink); }

/* Reading progress */
.read-progress {
  position: fixed; inset: 0 0 auto 0; height: 3px; z-index: 20;
  background: transparent;
}
.read-progress span {
  display: block; height: 100%; width: 0;
  background: var(--accent);
  transition: width .15s linear;
}

/* Top bar */
.topbar {
  position: sticky; top: 0; z-index: 10;
  background: color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--line);
}
.topbar__inner {
  max-width: 720px; margin: 0 auto; padding: 14px 16px;
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
}
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 600; font-size: 15px; }
.brand__mark {
  width: 22px; height: 22px; border-radius: 6px;
  background: var(--accent);
  box-shadow: inset 0 0 0 5px color-mix(in srgb, var(--accent) 70%, #fff);
}
.brand, .topbar__step { white-space: nowrap; }
@media (max-width: 480px) { .topbar__steptitle { display: none; } }
.topbar__step {
  font-size: 13px; color: var(--muted); font-weight: 500;
  padding: 4px 10px; border: 1px solid var(--line); border-radius: 999px;
}

/* Page */
.page { max-width: 720px; margin: 0 auto; padding: 0 16px; }

.hero { padding: 56px 0 32px; }
.eyebrow {
  font-size: 13px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase;
  color: var(--accent); margin-bottom: 12px;
}
.hero h1 { font-size: clamp(30px, 6vw, 42px); font-weight: 700; margin-bottom: 14px; }
.lede { font-size: 18px; color: var(--ink-2); max-width: 56ch; }
.meta { margin-top: 18px; font-size: 14px; color: var(--muted); }

/* Section cards */
.sections { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }

.card {
  display: grid; grid-template-columns: 44px 1fr; gap: 6px 18px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px 24px 26px;
  box-shadow: var(--shadow);
  transition: border-color .3s ease;
}
.card.is-read { border-color: color-mix(in srgb, var(--accent) 35%, var(--line)); }
.card__num {
  font-size: 13px; font-weight: 600; color: var(--muted);
  font-variant-numeric: tabular-nums;
  width: 36px; height: 36px; border-radius: 10px;
  display: grid; place-items: center;
  background: var(--bg);
  transition: background .3s ease, color .3s ease;
}
.card.is-read .card__num { background: var(--accent-soft); color: var(--accent); }
.card__body h2 { font-size: 20px; font-weight: 600; margin: 5px 0 8px; }
.card__body p { color: var(--ink-2); }

/* Channels */
.channels { list-style: none; padding: 0; margin: 18px 0 0; display: flex; flex-wrap: wrap; gap: 8px; }
.channel {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 14px; font-weight: 500;
  padding: 7px 12px; border-radius: 999px;
  border: 1px solid var(--line); background: var(--bg);
}
.channel em { font-style: normal; font-size: 12px; color: var(--muted); font-weight: 500; }
.channel .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--muted); }
.channel--on .dot { background: var(--accent); }
.channel--later { color: var(--muted); border-style: dashed; }

/* Keep vs close comparison */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 18px; }
.compare__col { border-radius: 10px; padding: 14px 16px; }
.compare__col h3 { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: .05em; margin-bottom: 8px; }
.compare__col ul { margin: 0; padding-left: 18px; font-size: 15px; color: var(--ink); }
.compare__col li + li { margin-top: 2px; }
.compare__note { margin-top: 10px; font-size: 13px; color: var(--ink-2); }
.compare__col--keep { background: var(--keep-soft); }
.compare__col--keep h3 { color: var(--keep); }
.compare__col--close { background: var(--warn-soft); }
.compare__col--close h3 { color: var(--warn); }

/* Agreement */
.agree { margin: 28px 0 0; }
.agree__form, .agree__done {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow);
}
.agree h2 { font-size: 22px; font-weight: 600; margin-bottom: 6px; }
.agree__sub { color: var(--muted); font-size: 14px; margin-bottom: 22px; }

.field { display: block; margin-bottom: 16px; }
.field__label { display: block; font-size: 14px; font-weight: 500; margin-bottom: 6px; }
.field input {
  width: 100%; font: inherit; color: var(--ink);
  padding: 11px 13px; border-radius: 10px;
  border: 1px solid var(--line); background: var(--bg);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus {
  outline: none; border-color: var(--accent);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent) 20%, transparent);
}

.check { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; font-size: 15px; color: var(--ink-2); }
.check input { width: 18px; height: 18px; margin: 3px 0 0; accent-color: var(--accent); flex: none; cursor: pointer; }

.agree__footer {
  display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap;
  margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--line);
}
.agree__status { font-size: 14px; color: var(--muted); }
.agree__status.is-ready { color: var(--accent); font-weight: 500; }

.btn {
  font: inherit; font-weight: 600; font-size: 15px;
  padding: 12px 20px; border-radius: 10px; border: 0; cursor: pointer;
  background: var(--accent); color: var(--accent-ink);
  transition: opacity .15s, transform .05s;
}
.btn:hover:not(:disabled) { opacity: .92; }
.btn:active:not(:disabled) { transform: translateY(1px); }
.btn:disabled { opacity: .4; cursor: not-allowed; }
.btn:focus-visible { outline: 3px solid color-mix(in srgb, var(--accent) 35%, transparent); outline-offset: 2px; }

.agree__error { margin-top: 12px; font-size: 14px; color: var(--warn); }

.agree__done { display: flex; gap: 16px; align-items: flex-start; }
.done__icon {
  flex: none; width: 40px; height: 40px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--accent-soft); color: var(--accent);
}
.agree__done p { color: var(--ink-2); }

.done__body { min-width: 0; }
.btn--link { display: inline-block; margin-top: 16px; text-decoration: none; }
.done__last { margin-top: 10px; font-size: 14px; color: var(--muted); }

/* ---------- Compensation ---------- */
.options { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.option { display: flex; flex-direction: column; gap: 0; }
.option__head { margin-bottom: 18px; }
.option__tag {
  display: inline-block; font-size: 12px; font-weight: 600; letter-spacing: .05em; text-transform: uppercase;
  color: var(--muted); padding: 3px 9px; border-radius: 999px; background: var(--bg);
  transition: background .3s ease, color .3s ease;
}
.option.is-read .option__tag { background: var(--accent-soft); color: var(--accent); }
.option__head h2 { font-size: 20px; font-weight: 600; margin-top: 10px; }
.rates { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; }
.rates li {
  display: grid; grid-template-columns: 64px 1fr; align-items: baseline; gap: 12px;
  padding: 12px 0; border-top: 1px solid var(--line);
}
.rate__amt { font-size: 24px; font-weight: 700; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.rate__desc { color: var(--ink-2); font-size: 15px; line-height: 1.45; }
.option__note {
  margin-top: auto; padding: 10px 12px; border-radius: 10px;
  background: var(--warn-soft); color: var(--ink-2); font-size: 13px;
}
.rates + .option__note { margin-top: 14px; }

.calc, .terms { display: block; margin-top: 14px; }
.calc h2, .terms h2 { font-size: 20px; font-weight: 600; margin-bottom: 6px; }
.calc__intro p { color: var(--ink-2); }
.calc__inputs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 18px; }
.field--num { margin-bottom: 0; }
.field--num .field__label { font-size: 13px; color: var(--ink-2); min-height: 2.6em; display: flex; align-items: flex-end; line-height: 1.3; }
.field--num input { font-variant-numeric: tabular-nums; font-weight: 600; }
.calc__results { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }
.calc__result {
  display: flex; flex-direction: column; gap: 2px;
  padding: 14px 16px; border-radius: 10px; border: 1px solid var(--line); background: var(--bg);
  transition: border-color .2s, background .2s;
}
.calc__result.is-higher { border-color: color-mix(in srgb, var(--accent) 45%, var(--line)); background: var(--accent-soft); }
.calc__label { font-size: 13px; color: var(--muted); font-weight: 500; }
.calc__total { font-size: 28px; font-weight: 700; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.calc__break { font-size: 13px; color: var(--ink-2); font-variant-numeric: tabular-nums; }
.calc__later { margin-top: 6px; font-size: 13px; font-weight: 600; color: var(--accent); }
.terms__list.terms__list--wide > div { grid-template-columns: 200px 1fr; }
.terms__list.terms__list--wide dt { text-transform: none; letter-spacing: 0; font-size: 14px; color: var(--ink); }
.calc__residual { margin-top: 12px; font-size: 14px; color: var(--ink-2); }
.calc__fine { margin-top: 10px; font-size: 12px; color: var(--muted); }

.terms__list { margin: 14px 0 0; display: grid; }
.terms__list > div {
  display: grid; grid-template-columns: 90px 1fr; gap: 12px;
  padding: 12px 0; border-top: 1px solid var(--line);
}
.terms__list dt { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); padding-top: 2px; }
.terms__list dd { margin: 0; color: var(--ink-2); }
.terms.is-read { border-color: color-mix(in srgb, var(--accent) 35%, var(--line)); }

.plans { border: 0; margin: 0 0 18px; padding: 0; display: grid; gap: 10px; }
.plans legend { padding: 0; margin-bottom: 6px; }
.plan {
  display: flex; gap: 12px; align-items: flex-start; cursor: pointer;
  padding: 14px 16px; border-radius: 10px; border: 1px solid var(--line); background: var(--bg);
  transition: border-color .15s, background .15s;
}
.plan:hover { border-color: color-mix(in srgb, var(--accent) 30%, var(--line)); }
.plan:has(input:checked) { border-color: var(--accent); background: var(--accent-soft); }
.plan input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--accent); flex: none; cursor: pointer; }
.plan__body { display: flex; flex-direction: column; }
.plan__title { font-weight: 600; font-size: 15px; }
.plan__desc { font-size: 14px; color: var(--ink-2); }

/* ---------- W-8BEN ---------- */
.meta a { color: var(--accent); text-decoration: none; font-weight: 500; }
.meta a:hover { text-decoration: underline; }

.ticks { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; font-size: 15px; color: var(--ink-2); }
.ticks li { position: relative; padding-left: 24px; }
.ticks li::before {
  content: ""; position: absolute; left: 2px; top: 6px; width: 12px; height: 7px;
  border-left: 2px solid var(--accent); border-bottom: 2px solid var(--accent); transform: rotate(-45deg);
}
.ticks--plain li::before { width: 6px; height: 6px; border: 0; border-radius: 50%; background: var(--muted); transform: none; top: 9px; left: 4px; }
.info__note { margin-top: 12px; font-size: 13px; color: var(--muted); }

/* Wizard */
.page--wizard { padding-top: 8px; }
.hero--tight { padding: 40px 0 24px; }
.hero--tight .lede + .lede { margin-top: 12px; }
.panel.card, .ready { display: block; }
.ready h2 { font-size: 17px; font-weight: 600; margin-bottom: 12px; }
.ready .info__note a { color: var(--accent); }
.panel__title { font-size: 22px; font-weight: 600; margin-bottom: 6px; }
.panel__sub { color: var(--ink-2); font-size: 15px; margin-bottom: 22px; }
.panel__title + .field, .panel__title + .group, .panel__title + .q { margin-top: 20px; }

.wiz__progress { padding: 28px 0 14px; }
.wiz__label { font-size: 13px; color: var(--muted); margin-bottom: 8px; }
.wiz__label strong { color: var(--ink); font-weight: 600; }
.wiz__bar { height: 4px; border-radius: 99px; background: var(--line); overflow: hidden; }
.wiz__bar span { display: block; height: 100%; background: var(--accent); border-radius: 99px; transition: width .3s ease; }

.wiz__actions {
  display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap;
  margin-top: 26px; padding-top: 20px; border-top: 1px solid var(--line);
}
.wiz__actions .btn:only-child { margin-left: auto; }
.btn--ghost { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn--ghost:hover:not(:disabled) { background: var(--bg); opacity: 1; }

.q { margin-bottom: 20px; }
.q__label { font-weight: 500; font-size: 15px; margin-bottom: 8px; }
.q__hint { display: block; font-weight: 400; font-size: 13px; color: var(--muted); margin-top: 2px; }
.q .field__hint { margin: -2px 0 10px; }
.q__note { margin: 10px 0 0 !important; padding: 10px 12px; border-radius: 10px; background: var(--warn-soft); color: var(--ink-2); }
.choices { display: flex; flex-wrap: wrap; gap: 8px; }
.choices--stack { flex-direction: column; }
.choice { cursor: pointer; }
.choice input { position: absolute; opacity: 0; pointer-events: none; }
.choice span {
  display: inline-block; padding: 9px 16px; border-radius: 10px; font-size: 15px; font-weight: 500;
  border: 1px solid var(--line); background: var(--bg); transition: border-color .15s, background .15s;
}
.choices--stack .choice span { display: block; }
.choice:hover span { border-color: color-mix(in srgb, var(--accent) 35%, var(--line)); }
.choice input:checked + span { border-color: var(--accent); background: var(--accent-soft); color: var(--accent); }
.choice input:focus-visible + span { outline: 3px solid color-mix(in srgb, var(--accent) 30%, transparent); outline-offset: 1px; }
.is-invalid .choice span { border-color: color-mix(in srgb, var(--warn) 60%, var(--line)); }

.static {
  display: block; padding: 11px 13px; border-radius: 10px; border: 1px dashed var(--line);
  color: var(--ink-2); font-weight: 500;
}

.ack { padding: 16px 18px; border: 1px solid var(--line); border-radius: 10px; margin-bottom: 12px; }
.ack h3 { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); margin-bottom: 10px; }
.ack .check span { color: var(--ink); }
.ack.is-invalid { border-color: var(--warn); }

.summary { margin: 0 0 18px; border: 1px solid var(--line); border-radius: 10px; overflow: hidden; }
.summary > div {
  display: grid; grid-template-columns: 170px 1fr auto; gap: 12px; align-items: baseline;
  padding: 10px 14px; border-top: 1px solid var(--line);
}
.summary > div:first-child { border-top: 0; }
.summary dt { font-size: 13px; color: var(--muted); }
.summary dd { margin: 0; font-size: 15px; overflow-wrap: anywhere; }
.summary__edit {
  font: inherit; font-size: 13px; font-weight: 600; color: var(--accent);
  background: none; border: 0; padding: 2px 4px; cursor: pointer;
}
.summary__edit:hover { text-decoration: underline; }

.pdf-preview {
  border: 1px solid var(--line); border-radius: 10px; overflow: hidden; background: #fff;
  min-height: 200px; box-shadow: var(--shadow);
}
.pdf-preview canvas { display: block; }
.pdf-preview__loading { padding: 80px 16px; text-align: center; color: #7a7f87; font-size: 14px; }

.panel > .agree__done { margin-top: 40px; }

/* Agreement */
.page--wide, .topbar__inner--wide { max-width: 900px; }
.filled { display: block; margin-bottom: 18px; }
.filled h2 { font-size: 17px; font-weight: 600; margin-bottom: 12px; }
.filled .summary { margin-bottom: 10px; }
.filled .summary > div { grid-template-columns: 150px 1fr; }
.contract { display: block; margin-bottom: 18px; border-radius: 12px; box-shadow: var(--shadow); }
.sign-card { display: block; }
.ack-list { display: grid; gap: 10px; }
.ack-item { padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px; background: var(--bg); }
.ack-item:has(input:checked) { border-color: color-mix(in srgb, var(--accent) 45%, var(--line)); background: var(--accent-soft); }
.ack-item span { color: var(--ink); }
.is-invalid .ack-item:not(:has(input:checked)) { border-color: var(--warn); }
.done__actions { display: flex; gap: 10px; flex-wrap: wrap; }
.done__actions .btn--link { margin-top: 16px; }
.done__icon--review { background: var(--warn-soft); color: var(--warn); }
.review__reasons { margin: 12px 0 16px; padding-left: 20px; color: var(--ink-2); font-size: 15px; }
.agree__done .btn--ghost { margin-top: 4px; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
.grid-3 { display: grid; grid-template-columns: 2fr 1.4fr 1fr; gap: 0 12px; }
.group { border: 0; margin: 4px 0 8px; padding: 0; }
.group legend { padding: 0; }

.ln {
  display: inline-grid; place-items: center; min-width: 22px; height: 20px; padding: 0 5px; margin-right: 8px;
  font-size: 11px; font-weight: 700; border-radius: 6px; background: var(--bg); color: var(--muted);
  border: 1px solid var(--line); vertical-align: 1px; font-variant-numeric: tabular-nums;
}
.ln--inline { margin-right: 6px; }
.field__label em, .field__sublabel em { font-style: normal; font-weight: 400; color: var(--muted); }
.field__sublabel { display: block; font-size: 13px; color: var(--ink-2); margin-bottom: 5px; }
.field__hint { display: block; font-size: 13px; color: var(--muted); margin: -2px 0 8px; }
.field input + .field__hint, .field select + .field__hint { margin: 6px 0 0; }
.field__error { display: block; font-size: 13px; color: var(--warn); min-height: 0; }
.field__error:empty { display: none; }
.field .field__error { margin-top: 5px; }

.field select, .field textarea {
  width: 100%; font: inherit; color: var(--ink);
  padding: 11px 13px; border-radius: 10px;
  border: 1px solid var(--line); background: var(--bg);
  transition: border-color .15s, box-shadow .15s;
}
.field select {
  appearance: none; -webkit-appearance: none; padding-right: 36px; cursor: pointer;
  background-image: linear-gradient(45deg, transparent 50%, var(--muted) 50%), linear-gradient(135deg, var(--muted) 50%, transparent 50%);
  background-position: calc(100% - 18px) 50%, calc(100% - 13px) 50%;
  background-size: 5px 5px; background-repeat: no-repeat;
}
.field textarea { resize: vertical; min-height: 80px; }
.field select:focus, .field textarea:focus {
  outline: none; border-color: var(--accent);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent) 20%, transparent);
}
.field input:disabled { opacity: .5; cursor: not-allowed; }
.is-invalid input, .is-invalid select, .is-invalid textarea { border-color: var(--warn); }

.field .check input { width: 18px; padding: 0; border: 0; background: none; box-shadow: none; }
.check--inline { margin: 10px 0 14px; font-size: 14px; }
.check--inline input { margin-top: 2px; }

.warn {
  margin: -4px 0 16px; padding: 10px 12px; border-radius: 10px;
  background: var(--warn-soft); color: var(--warn); font-size: 14px; font-weight: 500;
}

.cert {
  font-size: 13px; line-height: 1.6; color: var(--ink-2);
  background: var(--bg); border: 1px solid var(--line); border-radius: 10px;
  padding: 16px 18px; margin-bottom: 18px;
}
.cert p + ul, .cert ul + p { margin-top: 10px; }
.cert ul { margin: 0; padding-left: 18px; display: grid; gap: 4px; }
.cert ol { margin: 4px 0 0; padding-left: 20px; display: grid; gap: 2px; }

.sign { display: grid; grid-template-columns: 1fr 190px; gap: 14px; align-items: start; margin-top: 18px; }
.sign__input { font-size: 18px !important; font-style: italic; letter-spacing: .01em; }
.sign__date .field__label { margin-bottom: 6px; }
.sign__value {
  display: block; padding: 11px 13px; border-radius: 10px; border: 1px dashed var(--line);
  font-variant-numeric: tabular-nums; color: var(--ink-2);
}

.footer {
  max-width: 720px; margin: 0 auto; padding: 40px 16px 56px;
  text-align: center; font-size: 14px; color: var(--muted);
}

@media (max-width: 560px) {
  .hero { padding: 40px 0 24px; }
  .card { grid-template-columns: 1fr; padding: 20px; }
  .card__body h2 { margin-top: 4px; }
  .compare { grid-template-columns: 1fr; }
  .agree__form, .agree__done { padding: 22px 20px; }
  .agree__footer .btn { width: 100%; }
}

@media (max-width: 680px) {
  .options { grid-template-columns: 1fr; }
  .calc__inputs { grid-template-columns: 1fr; }
  .field--num .field__label { min-height: 0; }
  .calc__results { grid-template-columns: 1fr; }
  .terms__list > div, .terms__list.terms__list--wide > div { grid-template-columns: 1fr; gap: 2px; }
  .grid-2, .grid-3, .sign { grid-template-columns: 1fr; }
  .summary > div { grid-template-columns: 1fr auto; }
  .summary dd { grid-column: 1; }
  .summary__edit { grid-row: 1 / span 2; grid-column: 2; align-self: center; }
  .wiz__actions .btn { flex: 1; }
  .filled .summary > div { grid-template-columns: 1fr; gap: 2px; }
}