:root {
  --navy: #00162b;
  --navy-2: #06101f;
  --gold: #dda324;
  --gold-soft: #fff8e8;
  --paper: #f8fafc;
  --line: #d9dee8;
  --text: #07111f;
  --muted: #5f6c7b;
  --green: #087a42;
  --red: #d52f2f;
  --blue: #1e5ed7;
}

* { box-sizing: border-box; }
html, body { margin: 0; min-height: 100%; font-family: Arial, Helvetica, sans-serif; background: var(--navy-2); color: var(--text); }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
a { color: inherit; text-decoration: none; }

.app-shell { min-height: 100vh; display: grid; grid-template-columns: 300px 1fr; gap: 8px; padding: 8px; }
.sidebar { background: linear-gradient(180deg, #001b36, #000f21); color: white; border-radius: 6px; overflow: hidden; box-shadow: 0 16px 40px rgba(0,0,0,.35); }
.brand { display: flex; gap: 14px; padding: 22px 18px; border-bottom: 1px solid rgba(255,255,255,.13); }
.brand-mark { width: 58px; height: 58px; border: 1px solid var(--gold); border-radius: 8px; color: var(--gold); display: grid; place-items: center; font-size: 28px; font-weight: 900; }
.brand h1 { margin: 0; color: var(--gold); font-size: 40px; line-height: .85; }
.brand p { margin: 4px 0 0; font-size: 12px; line-height: 1.35; }
.profile { display: flex; gap: 14px; align-items: center; padding: 18px; border-bottom: 1px solid rgba(255,255,255,.13); }
.avatar { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; background: rgba(255,255,255,.2); font-weight: 900; }
.profile strong, .profile span { display: block; }
.profile span { color: rgba(255,255,255,.7); font-size: 14px; margin-top: 3px; }
.nav { display: grid; gap: 4px; padding: 14px; }
.nav button { display: flex; align-items: center; gap: 12px; color: white; text-align: left; background: transparent; border: 0; padding: 12px 14px; border-radius: 7px; font-weight: 700; font-size: 15px; }
.nav button.active { background: var(--gold); box-shadow: 0 8px 18px rgba(221,163,36,.35); }
.nav i { width: 22px; height: 22px; border: 1px solid currentColor; border-radius: 5px; display: grid; place-items: center; font-style: normal; font-size: 11px; }
.secure { margin: 20px; padding: 16px; border: 1px solid rgba(255,255,255,.28); border-radius: 8px; color: rgba(255,255,255,.75); }
.secure strong { display: block; color: white; margin-bottom: 4px; }

.content { display: grid; gap: 8px; min-width: 0; }
.top-panel, .panel { background: var(--paper); border-radius: 6px; padding: 22px; box-shadow: 0 16px 40px rgba(0,0,0,.25); }
.header { display: flex; justify-content: space-between; gap: 20px; align-items: flex-start; }
.header h2 { margin: 0; font-size: 34px; line-height: 1; }
.header p { margin: 8px 0 0; color: #343f4d; }
.help { background: var(--navy); color: white; border: 0; border-radius: 7px; padding: 13px 18px; font-weight: 800; box-shadow: 0 8px 18px rgba(0,0,0,.25); }
.hero-grid { display: grid; grid-template-columns: 1fr 430px; gap: 20px; margin-top: 22px; }
.left-stack { display: grid; gap: 16px; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.card { background: white; border: 1px solid var(--line); border-radius: 8px; padding: 20px; min-height: 220px; box-shadow: 0 8px 18px rgba(13,30,50,.08); }
.card-head { display: flex; gap: 18px; }
.icon { flex: 0 0 60px; height: 60px; border-radius: 10px; display: grid; place-items: center; font-size: 30px; font-weight: 900; }
.purple { background: linear-gradient(135deg,#e4d7ff,#fff); color: #5540cf; }
.blue { background: linear-gradient(135deg,#cae1ff,#fff); color: #1e5ed7; }
.orange { background: linear-gradient(135deg,#ffe3ca,#fff); color: #f27b22; }
.card h3 { margin: 6px 0 0; font-size: 20px; line-height: 1.25; }
.card p { min-height: 56px; color: #3d4a5a; line-height: 1.5; margin: 24px 0 18px; }
.card-foot { display: flex; align-items: flex-end; justify-content: space-between; gap: 12px; }
.pill { border-radius: 999px; padding: 6px 12px; font-size: 12px; font-weight: 900; border: 1px solid; }
.unlocked { color: var(--green); background: #ecfff4; border-color: #2bb46e; }
.locked { color: var(--red); background: #fff2f2; border-color: #ff6262; }
.btn { border: 0; border-radius: 6px; padding: 13px 24px; color: white; font-weight: 900; min-width: 130px; background: var(--navy); box-shadow: 0 10px 18px rgba(0,0,0,.22); }
.btn.gold { background: var(--gold); }
.btn.ghost { background: transparent; border: 1px solid var(--gold); color: #a36b00; box-shadow: none; }
.status { display: flex; align-items: center; justify-content: space-between; gap: 16px; border: 1px solid var(--gold); background: var(--gold-soft); border-radius: 8px; padding: 20px; }
.status-left { display: flex; align-items: center; gap: 16px; }
.clock { width: 56px; height: 56px; border-radius: 50%; background: #f1c965; color: #8a6100; display: grid; place-items: center; font-size: 28px; font-weight: 900; }
.status small { font-weight: 900; }
.status h3 { margin: 3px 0; font-size: 22px; }
.status p { margin: 0; color: #45515f; }

.legal { display: grid; grid-template-columns: 1fr 1fr 1.1fr; gap: 22px; background: var(--navy); color: white; border: 2px solid var(--gold); border-radius: 10px; padding: 20px; }
.legal h3 { margin: 0 0 14px; color: var(--gold); text-transform: uppercase; font-size: 16px; }
.legal p, .legal li { font-size: 14px; line-height: 1.55; }
.legal ul { padding-left: 18px; margin: 0; display: grid; gap: 7px; }
.legal > div + div { border-left: 1px solid rgba(255,255,255,.35); padding-left: 22px; }

.flow, .disclosure, .white-card { background: white; border-radius: 8px; box-shadow: 0 8px 18px rgba(13,30,50,.08); border: 1px solid var(--line); overflow: hidden; }
.flow h3 { margin: 0; padding: 16px 20px; background: var(--navy); color: white; }
.step { display: grid; grid-template-columns: 30px 1fr 82px; gap: 12px; align-items: center; padding: 12px 16px; border-bottom: 1px solid var(--line); font-size: 14px; }
.num { width: 24px; height: 24px; border-radius: 50%; display: grid; place-items: center; color: white; background: var(--green); font-size: 12px; font-weight: 900; }
.num.active { background: var(--blue); }
.num.pending { background: #7a8089; }
.step strong { font-size: 13px; }
.step span:last-child { text-align: right; font-size: 12px; font-weight: 800; color: var(--green); }
.step .activeText { color: var(--blue) !important; }
.step .pendingText { color: #747b86 !important; }
.disclosure { background: #1b0d12; color: white; padding: 20px; }
.disclosure h3 { margin: 0 0 16px; color: #ff5a5a; }
.disclosure-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; font-size: 14px; line-height: 1.55; }
.disclosure-grid p + p { border-left: 1px solid rgba(255,255,255,.35); padding-left: 20px; }

.bottom { display: grid; grid-template-columns: 1fr 1.2fr 1fr; gap: 8px; }
.panel { padding: 20px; }
.panel-title { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 18px; }
.panel h3 { margin: 0; font-size: 20px; }
.done { background: #d9f4df; color: #136b32; border-radius: 5px; padding: 8px 13px; font-size: 12px; font-weight: 900; }
.row { display: grid; grid-template-columns: 1fr 1.25fr; gap: 14px; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: 14px; }
.row strong { color: #3d4a5a; }
table { width: 100%; border-collapse: collapse; font-size: 12px; border: 1px solid var(--line); border-radius: 7px; overflow: hidden; }
th, td { padding: 11px 9px; border-bottom: 1px solid var(--line); text-align: left; }
th { background: #f4f6f9; color: #606c7a; }
.file { display: inline-block; color: white; background: #cf332d; border-radius: 4px; padding: 5px 7px; font-size: 10px; font-weight: 900; margin-right: 8px; }
.notice { border: 1px solid #67bf86; background: #effcf3; color: #087a42; border-radius: 5px; padding: 12px; font-weight: 700; font-size: 13px; }
.wide { width: 100%; margin-top: 18px; }
.footer { display: grid; grid-template-columns: 1fr 1fr 1fr; color: white; padding: 14px; gap: 10px; font-size: 14px; }
.footer p { margin: 0; }
.footer p:nth-child(2) { text-align: center; font-size: 18px; }
.footer p:last-child { text-align: right; }

.intake-layout { display: grid; grid-template-columns: 1fr 420px; gap: 20px; margin-top: 22px; }
.form-card { background: white; border: 1px solid var(--line); border-radius: 8px; padding: 22px; box-shadow: 0 8px 18px rgba(13,30,50,.08); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 7px; margin-bottom: 16px; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 800; font-size: 14px; }
.field input, .field select, .field textarea { width: 100%; border: 1px solid var(--line); border-radius: 6px; padding: 12px; background: #fbfdff; }
.field textarea { min-height: 150px; resize: vertical; }
.checkbox { display: flex; align-items: flex-start; gap: 12px; background: var(--gold-soft); border: 1px solid var(--gold); border-radius: 8px; padding: 14px; font-size: 14px; line-height: 1.5; }
.upload-list { display: grid; gap: 8px; margin-top: 10px; }
.upload-item { display: flex; justify-content: space-between; gap: 12px; background: #f4f6f9; border-radius: 6px; padding: 10px; font-size: 13px; }
.landing { min-height: 100vh; display: grid; place-items: center; padding: 24px; background: radial-gradient(circle at 80% 0%, #173657, var(--navy-2) 45%); color: white; }
.landing-card { max-width: 1120px; display: grid; grid-template-columns: 1fr 430px; gap: 24px; align-items: center; }
.landing h1 { margin: 0; font-size: clamp(48px, 8vw, 94px); color: var(--gold); line-height: .9; }
.landing h2 { margin: 12px 0 0; font-size: clamp(28px, 4vw, 46px); }
.landing p { color: rgba(255,255,255,.78); line-height: 1.7; font-size: 18px; }
.landing-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.landing .btn { display: inline-block; text-align: center; }
.mini-panel { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); border-radius: 12px; padding: 22px; }
.mini-panel h3 { margin-top: 0; color: var(--gold); }
.mini-panel li { margin-bottom: 10px; line-height: 1.5; }

@media (max-width: 1200px) {
  .app-shell, .hero-grid, .bottom, .intake-layout, .landing-card { grid-template-columns: 1fr; }
  .cards, .legal, .form-grid { grid-template-columns: 1fr; }
  .legal > div + div { border-left: 0; padding-left: 0; border-top: 1px solid rgba(255,255,255,.35); padding-top: 18px; }
}

@media (max-width: 720px) {
  body { padding: 0; }
  .app-shell { padding: 0; }
  .header, .status, .card-foot, .panel-title { align-items: stretch; flex-direction: column; }
  .disclosure-grid, .footer { grid-template-columns: 1fr; }
  .disclosure-grid p + p { border-left: 0; padding-left: 0; border-top: 1px solid rgba(255,255,255,.35); padding-top: 12px; }
  .footer p, .footer p:nth-child(2), .footer p:last-child { text-align: left; }
}