:root {
    --accent: #B8863E;
    --accent-dark: #96692C;
    --accent-light-bg: #F6EAD3;
    --accent-light-text: #8A6423;

    --sidebar-bg-top: #8C7C6C;
    --sidebar-bg-bottom: #6B5D50;
    --sidebar-text: #E4D9C6;
    --sidebar-text-muted: #CBBBA3;
    --sidebar-label: #AC9A82;

    --bg: #F1EAE0;
    --bg-soft: #F7F1E6;
    --bg-soft-2: #FBF7EF;
    --card-bg: #FFFFFF;
    --border: #EAE0CC;

    --text: #362E22;
    --text-secondary: #8B7F6E;
    --text-muted: #A99C89;

    --green-bg: #E9F1E2; --green: #4F7A45;
    --red-bg:   #FBEAE3; --red:   #B15A3B;
    --amber-bg: #FBF0D9; --amber: #B8791A;
}

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

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    background: var(--bg);
    color: var(--text);
    font-size: 14px;
    line-height: 1.6;
}

/* Sidebar */
.sidebar {
    position: fixed; top: 0; left: 0;
    width: 240px; height: 100vh;
    background: linear-gradient(180deg, var(--sidebar-bg-top) 0%, var(--sidebar-bg-bottom) 100%);
    display: flex; flex-direction: column;
    z-index: 100; overflow: hidden;
}
.sidebar-scroll { flex: 1 1 auto; overflow-y: auto; min-height: 0; }
.sidebar-brand { padding: 24px 20px 20px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.sidebar-brand-name { font-size: 15px; font-weight: 600; color: #fff; line-height: 1.3; }
.sidebar-brand-sub { font-size: 11px; color: var(--sidebar-text-muted); margin-top: 3px; }
.sidebar-section { padding: 20px 12px 8px; }
.sidebar-section-label { font-size: 10px; font-weight: 600; color: var(--sidebar-label); letter-spacing: 0.1em; text-transform: uppercase; padding: 0 8px; margin-bottom: 4px; }
.sidebar-nav a { display: flex; align-items: center; gap: 10px; padding: 9px 12px; border-radius: 10px; color: var(--sidebar-text); text-decoration: none; font-size: 13.5px; font-weight: 400; transition: background 0.15s, color 0.15s; margin-bottom: 2px; }
.sidebar-nav a:hover { background: rgba(255,255,255,0.10); color: #fff; }
.sidebar-nav a.active { background: var(--bg-soft-2); color: var(--text); font-weight: 500; }
.sidebar-nav a i { font-size: 16px; width: 20px; flex-shrink: 0; opacity: 0.85; }
.sidebar-nav a.active i { opacity: 1; color: var(--accent); }
/* Hover-expand sidebar submenu (e.g. Engagement -> Current / Past) */
.sidebar-group { position: relative; }
.sidebar-group-toggle {
    display: flex; align-items: center; gap: 10px; padding: 9px 12px; border-radius: 10px;
    color: var(--sidebar-text); font-size: 13.5px; cursor: default; transition: background 0.15s, color 0.15s;
}
.sidebar-group-toggle i:first-child { font-size: 16px; width: 20px; flex-shrink: 0; opacity: 0.85; }
.sidebar-group-toggle.active { background: var(--bg-soft-2); color: var(--text); font-weight: 500; }
.sidebar-group:hover .sidebar-group-toggle,
.sidebar-group-toggle:focus { background: rgba(255,255,255,0.10); color: #fff; outline: none; }
.sidebar-group-arrow { margin-left: auto; font-size: 15px; opacity: 0.6; transition: transform 0.18s ease; }
.sidebar-group:hover .sidebar-group-arrow,
.sidebar-group:focus-within .sidebar-group-arrow { transform: rotate(-180deg); }
.sidebar-submenu {
    max-height: 0; overflow: hidden; opacity: 0;
    transition: max-height 0.2s ease, opacity 0.15s ease;
}
.sidebar-group:hover .sidebar-submenu,
.sidebar-group:focus-within .sidebar-submenu { max-height: 120px; opacity: 1; }
.sidebar-submenu a {
    display: flex; align-items: center; gap: 10px; padding: 8px 12px 8px 34px; border-radius: 10px;
    color: var(--sidebar-text); text-decoration: none; font-size: 13px; transition: background 0.15s, color 0.15s;
}
.sidebar-submenu a i { font-size: 8px; opacity: 0.7; }
.sidebar-submenu a:hover { background: rgba(255,255,255,0.10); color: #fff; }
.sidebar-submenu a.active { background: var(--bg-soft-2); color: var(--text); font-weight: 500; }
.sidebar-footer { flex-shrink: 0; padding: 16px 12px; border-top: 1px solid rgba(255,255,255,0.08); }
.sidebar-user { display: flex; align-items: center; gap: 10px; padding: 8px; border-radius: 10px; }
.sidebar-avatar { width: 32px; height: 32px; border-radius: 50%; background: rgba(255,255,255,0.18); display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 600; color: #fff; flex-shrink: 0; }
.sidebar-user-info { flex: 1; min-width: 0; }
.sidebar-user-name { font-size: 13px; font-weight: 500; color: #fff; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.sidebar-user-role { font-size: 11px; color: var(--sidebar-text-muted); }
.sidebar-logout { color: var(--sidebar-text-muted) !important; font-size: 16px !important; text-decoration: none; }
.sidebar-logout:hover { color: #fff !important; }

/* Main */
.main-content { margin-left: 240px; min-height: 100vh; padding: 32px 36px; }
.topbar { display: flex; align-items: center; justify-content: space-between; margin-bottom: 28px; }
.page-title { font-size: 22px; font-weight: 700; color: var(--text); }
.page-subtitle { font-size: 13px; color: var(--text-secondary); margin-top: 2px; }
.page-subtitle a { color: var(--accent); }

/* Cards */
.card { background: var(--card-bg); border: 0.5px solid var(--border); border-radius: 16px; padding: 24px; box-shadow: 0 1px 2px rgba(54,46,34,0.04); }
.card-title { font-size: 14px; font-weight: 600; color: var(--text); margin-bottom: 16px; }
.card-title i { color: var(--accent); }

/* Stat cards */
.stat-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; margin-bottom: 24px; }
.stat-card { background: var(--card-bg); border: 0.5px solid var(--border); border-radius: 16px; padding: 20px 24px; display: flex; align-items: center; gap: 16px; box-shadow: 0 1px 2px rgba(54,46,34,0.04); }
.stat-icon { width: 44px; height: 44px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.stat-icon.blue  { background: var(--accent-light-bg); color: var(--accent-dark); }
.stat-icon.green { background: var(--green-bg); color: var(--green); }
.stat-icon.red   { background: var(--red-bg); color: var(--red); }
.stat-icon.amber { background: var(--amber-bg); color: var(--amber); }
.stat-label { font-size: 12px; color: var(--text-secondary); margin-bottom: 4px; }
.stat-value { font-size: 26px; font-weight: 700; color: var(--text); line-height: 1; }

/* Wizard */
.wizard-wrap { max-width: 760px; }
.wizard-card { background: var(--card-bg); border: 0.5px solid var(--border); border-radius: 18px; overflow: hidden; }
.wizard-header { background: linear-gradient(135deg, var(--sidebar-bg-top) 0%, var(--sidebar-bg-bottom) 100%); padding: 28px 32px 24px; }
.wizard-header-label { font-size: 11px; font-weight: 600; color: var(--sidebar-text-muted); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 6px; }
.wizard-header-title { font-size: 20px; font-weight: 600; color: #fff; margin-bottom: 24px; }
.wizard-steps { display: flex; align-items: center; }
.wizard-step { display: flex; align-items: center; gap: 8px; flex: 1; }
.step-circle { width: 28px; height: 28px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 600; flex-shrink: 0; }
.wizard-step.done   .step-circle { background: var(--green); color: #fff; }
.wizard-step.active .step-circle { background: #fff; color: var(--accent-dark); }
.wizard-step.pending .step-circle { background: rgba(255,255,255,0.14); color: rgba(255,255,255,0.4); }
.step-label { font-size: 11px; font-weight: 500; }
.wizard-step.done   .step-label { color: var(--sidebar-text-muted); }
.wizard-step.active .step-label { color: #fff; }
.wizard-step.pending .step-label { color: rgba(255,255,255,0.3); }
.step-line { flex: 1; height: 1px; background: rgba(255,255,255,0.18); margin: 0 8px; }
.step-line.done { background: var(--green); }
.wizard-body { padding: 28px 32px; }
.wizard-section-label { font-size: 11px; font-weight: 600; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 12px; }

/* Option cards */
.option-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 24px; }
.option-card { border: 1.5px solid var(--border); border-radius: 12px; padding: 14px 16px; cursor: pointer; display: flex; align-items: center; gap: 12px; transition: border-color 0.15s, background 0.15s; user-select: none; }
.option-card:hover { border-color: var(--accent); }
.option-card.selected { border-color: var(--accent); background: var(--accent-light-bg); }
.option-card * { pointer-events: none; }
.option-icon { width: 36px; height: 36px; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 18px; background: var(--bg-soft); color: var(--text-secondary); flex-shrink: 0; transition: background 0.15s, color 0.15s; }
.option-card.selected .option-icon { background: var(--accent); color: #fff; }
.option-title { font-size: 14px; font-weight: 500; color: var(--text); margin-bottom: 2px; }
.option-sub { font-size: 12px; color: var(--text-secondary); }
.option-card.selected .option-title { color: var(--accent-dark); }
.option-radio { margin-left: auto; width: 16px; height: 16px; border-radius: 50%; border: 1.5px solid #CBBBA3; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: all 0.15s; }
.option-card.selected .option-radio { border-color: var(--accent); background: var(--accent); }
.option-radio-dot { width: 6px; height: 6px; border-radius: 50%; background: #fff; }

/* Form fields */
.field { margin-bottom: 18px; }
.field-label { display: block; font-size: 13px; font-weight: 500; color: #4A4030; margin-bottom: 6px; }
.field-label span { font-weight: 400; color: var(--text-muted); }
.field-input { width: 100%; border: 1.5px solid var(--border); border-radius: 10px; padding: 10px 14px; font-size: 14px; color: var(--text); background: #fff; outline: none; font-family: inherit; transition: border-color 0.15s; }
.field-input:focus { border-color: var(--accent); }
.field-hint { font-size: 11px; color: var(--text-muted); margin-top: 5px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* Wizard footer */
.wizard-footer { display: flex; align-items: center; justify-content: space-between; padding: 20px 32px 28px; border-top: 0.5px solid var(--border); }
.wizard-progress-text { font-size: 12px; color: var(--text-muted); }
.btn { display: inline-flex; align-items: center; gap: 6px; padding: 9px 20px; border-radius: 10px; font-size: 14px; font-weight: 500; cursor: pointer; border: none; font-family: inherit; transition: opacity 0.15s; text-decoration: none; }
.btn:hover { opacity: 0.88; }
.btn-secondary { background: var(--bg-soft); color: #4A4030; border: 0.5px solid var(--border); }
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); opacity: 1; }
.btn-success { background: var(--green); color: #fff; }

/* Result */
.result-header { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 20px; gap: 16px; }
.result-badge { display: inline-flex; align-items: center; gap: 8px; padding: 10px 18px; border-radius: 12px; font-weight: 600; font-size: 15px; }
.result-badge.high   { background: var(--red-bg); color: var(--red); border: 1px solid #EFCBB5; }
.result-badge.medium { background: var(--amber-bg); color: var(--amber); border: 1px solid #F0D89B; }
.result-badge.low    { background: var(--green-bg); color: var(--green); border: 1px solid #C8DCBC; }
.result-ref { font-size: 12px; color: var(--text-secondary); background: var(--bg-soft); padding: 6px 12px; border-radius: 8px; font-family: monospace; }
.result-meta { font-size: 12px; color: var(--text-muted); margin-top: 4px; }

/* Tables */
.data-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.data-table th { text-align: left; padding: 10px 14px; font-size: 11px; font-weight: 600; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 0.06em; border-bottom: 1px solid var(--border); background: var(--bg-soft); }
.data-table td { padding: 11px 14px; border-bottom: 0.5px solid #F1EAD9; color: #4A4030; vertical-align: middle; }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:hover td { background: var(--bg-soft); }

/* Badges */
.badge { display: inline-block; padding: 3px 9px; border-radius: 20px; font-size: 11px; font-weight: 500; }
.badge-green { background: var(--green-bg); color: #35592E; }
.badge-red   { background: var(--red-bg); color: #8C4128; }
.badge-amber { background: var(--amber-bg); color: #8C6212; }
.badge-blue  { background: var(--accent-light-bg); color: var(--accent-dark); }
.badge-gray  { background: var(--bg-soft); color: #6B5F4F; }

/* Alert */
.alert { padding: 14px 18px; border-radius: 12px; margin-bottom: 20px; font-size: 14px; }
.alert-danger  { background: var(--red-bg); color: #8C4128; border: 1px solid #EFCBB5; }
.alert-success { background: var(--green-bg); color: #35592E; border: 1px solid #C8DCBC; }
.alert-warning { background: var(--amber-bg); color: #8C6212; border: 1px solid #F0D89B; }

/* Login */
.login-wrap { min-height: 100vh; display: flex; align-items: center; justify-content: center; background: linear-gradient(135deg, var(--sidebar-bg-top) 0%, var(--sidebar-bg-bottom) 100%); padding: 20px; }
.login-card { background: #fff; border-radius: 18px; padding: 40px 36px; width: 100%; max-width: 400px; box-shadow: 0 12px 32px rgba(54,46,34,0.18); }
.login-logo { font-size: 13px; font-weight: 600; color: var(--accent); margin-bottom: 4px; }
.login-title { font-size: 22px; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.login-sub { font-size: 13px; color: var(--text-secondary); margin-bottom: 28px; }

/* Empty state */
.empty-state { text-align: center; padding: 48px 20px; color: var(--text-muted); }
.empty-state i { font-size: 40px; margin-bottom: 12px; display: block; }
.empty-state p { font-size: 14px; }

/* Horizontal profile tabs (Profile page: Personal / Family / Loan / Holdings / Finance) */
.profile-tabs { display: flex; gap: 4px; border-bottom: 1.5px solid var(--border); margin-bottom: 20px; overflow-x: auto; }
.profile-tab-btn {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 11px 18px; font-size: 13.5px; font-weight: 500; font-family: inherit;
    color: var(--text-secondary); background: none; border: none; border-bottom: 2.5px solid transparent;
    cursor: pointer; white-space: nowrap; transition: color 0.15s, border-color 0.15s;
}
.profile-tab-btn:hover { color: var(--accent); }
.profile-tab-btn.active { color: var(--accent-dark); border-bottom-color: var(--accent); }
.profile-tab-panel { display: none; }
.profile-tab-panel.active { display: block; }