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var(--brand-line-lt);--color-text: var(--brand-midnight);--color-text-muted: var(--brand-graphite);--color-accent: var(--brand-brass-ink);--color-accent-hover: var(--brand-brass-ink-hover);--color-accent-soft: var(--brand-gold-wash);--color-on-accent: var(--brand-ivory);--color-focus-ring: var(--brand-brass-ink);--color-success-ink: #1e5c2e;--color-success-soft: #ddefdd;--color-warning-ink: #7a5d0e;--color-warning-soft: #f6ecc8;--color-danger-ink: #8f221a;--color-danger-soft: #f8d7d4}:root[data-theme=dark]{color-scheme:dark;--color-bg: var(--brand-midnight);--color-surface: var(--brand-deep-ink);--color-border: var(--brand-line-dk);--color-text: var(--brand-ivory);--color-text-muted: var(--brand-slate);--color-accent: var(--brand-champagne);--color-accent-hover: var(--brand-gold-bright);--color-accent-soft: var(--brand-dark-lift);--color-on-accent: var(--brand-midnight);--color-focus-ring: var(--brand-gold-bright);--color-success-ink: #4ac18a;--color-success-soft: color-mix(in srgb, #4ac18a 18%, var(--brand-deep-ink));--color-warning-ink: #e0a94a;--color-warning-soft: color-mix(in srgb, #e0a94a 18%, var(--brand-deep-ink));--color-danger-ink: #e06a5e;--color-danger-soft: color-mix(in srgb, #e06a5e 18%, var(--brand-deep-ink));--color-caution-ink: #e0a94a;--color-caution-soft: color-mix(in srgb, #e0a94a 14%, var(--brand-deep-ink));--color-caution-line: color-mix(in srgb, #e0a94a 42%, var(--brand-deep-ink));--color-attention-ink: #f0a271;--color-attention-soft: color-mix(in srgb, #f0a271 18%, var(--brand-deep-ink));--color-attention-line: color-mix(in srgb, #f0a271 42%, var(--brand-deep-ink));--color-scrim: color-mix(in srgb, #000 62%, transparent)}.ui-btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-2);font-family:var(--font-sans);font-weight:700;font-size:.86rem;letter-spacing:.1em;text-transform:uppercase;line-height:1;padding:.7rem 1.3rem;border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface);color:var(--color-text);text-decoration:none;cursor:pointer;transition:background .15s ease,color .15s ease,border-color .15s ease}.ui-btn:hover{border-color:var(--color-accent);color:var(--color-accent)}.ui-btn:disabled,.ui-btn[aria-disabled=true]{opacity:.55;cursor:not-allowed}.ui-btn-primary{background:var(--grad-gold);color:var(--color-on-accent-strong, var(--brand-midnight));border-color:transparent}.ui-btn-primary:hover{background:var(--grad-gold-lit);color:var(--color-on-accent-strong, var(--brand-midnight));box-shadow:var(--glow-btn)}.ui-btn-ghost{background:transparent;color:var(--color-accent);border-color:var(--color-accent)}.ui-btn-ghost:hover{background:var(--color-accent-soft);color:var(--color-accent-hover)}.ui-btn-link{padding:0;border:0;background:none;color:var(--color-accent);letter-spacing:.04em;text-transform:none;font-size:inherit}.ui-btn-link:hover{color:var(--color-accent-hover);text-decoration:underline}.ui-btn-sm{font-size:.76rem;padding:.45rem .85rem}.ui-btn:focus-visible,.ui-field input:focus-visible,.ui-field select:focus-visible,.ui-field textarea:focus-visible{outline:2px solid var(--color-focus-ring);outline-offset:2px}.ui-card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:var(--space-6)}.ui-card-dark{background:var(--grad-dark);border:0;color:var(--brand-ivory);padding:var(--space-6)}.ui-kicker{display:flex;align-items:center;gap:var(--space-3);font-family:var(--font-sans);font-weight:700;font-size:.76rem;letter-spacing:.22em;text-transform:uppercase;color:var(--color-text-muted);margin:0 0 var(--space-3)}.ui-kicker:before{content:"";width:30px;height:2px;background:var(--grad-rule)}.ui-display{font-family:var(--font-display);font-weight:800;text-transform:uppercase;letter-spacing:-.005em;line-height:.96;margin:0;color:var(--color-text)}.ui-money{font-family:var(--font-mono);font-variant-numeric:tabular-nums}.ui-badge{display:inline-flex;align-items:center;gap:var(--space-1);font-family:var(--font-sans);font-weight:600;font-size:.74rem;letter-spacing:.08em;text-transform:uppercase;padding:.2rem .55rem;border-radius:var(--radius-sm);border:1px solid transparent;background:var(--color-bg);color:var(--color-text-muted)}.ui-badge.is-success{background:var(--color-success-soft);color:var(--color-success-ink)}.ui-badge.is-warning{background:var(--color-warning-soft);color:var(--color-warning-ink)}.ui-badge.is-danger{background:var(--color-danger-soft);color:var(--color-danger-ink)}.ui-badge.is-caution{background:var(--color-caution-soft);color:var(--color-caution-ink);border-color:var(--color-caution-line)}.ui-badge.is-attention{background:var(--color-attention-soft);color:var(--color-attention-ink);border-color:var(--color-attention-line)}.ui-table{width:100%;border-collapse:collapse;font-size:var(--font-size-sm)}.ui-table th{text-align:left;font-family:var(--font-sans);font-weight:600;font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;color:var(--color-text-muted);padding:var(--space-2) var(--space-3);border-bottom:2px solid var(--color-text);white-space:nowrap}.ui-table td{padding:var(--space-3);border-bottom:1px solid var(--color-border);color:var(--color-text)}.ui-table tbody tr:hover td{background:var(--color-accent-soft)}.ui-table td.num,.ui-table th.num{text-align:right;font-family:var(--font-mono);font-variant-numeric:tabular-nums}.ui-field{display:grid;gap:var(--space-2)}.ui-field>label{font-family:var(--font-sans);font-weight:600;font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--color-text-muted)}.ui-field input,.ui-field select,.ui-field textarea{font:inherit;font-family:var(--font-sans);padding:.6rem .75rem;border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface);color:var(--color-text)}.ui-field input[inputmode=numeric],.ui-field input[type=number]{font-family:var(--font-mono);font-variant-numeric:tabular-nums}.ui-hint{font-size:var(--font-size-sm);color:var(--color-text-muted)}.ui-error{font-size:var(--font-size-sm);color:var(--color-danger-ink)}@media(prefers-reduced-motion:reduce){.ui-btn{transition:none}}*{box-sizing:border-box}body{margin:0;background:var(--color-bg);color:var(--color-text);font-family:var(--font-family-base);font-size:var(--font-size-md)}.app-header{display:flex;align-items:center;justify-content:space-between;padding:var(--space-4) var(--space-6);background:var(--color-surface);border-bottom:1px solid var(--color-border)}.app-brand{font-size:var(--font-size-lg);font-weight:700}.app-nav{display:flex;gap:var(--space-4)}.app-nav a{color:var(--color-primary);text-decoration:none}.app-main{max-width:56rem;margin:0 auto;padding:var(--space-6);display:grid;gap:var(--space-6)}.card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);box-shadow:var(--shadow-sm);padding:var(--space-6)}.card h2{margin-top:0;font-size:var(--font-size-lg)}.muted{color:var(--color-text-muted);font-size:var(--font-size-sm)}.stage-tracker{display:flex;gap:var(--space-2);list-style:none;margin:0;padding:0;counter-reset:stage}.stage-tracker li{flex:1;text-align:center;padding:var(--space-3) var(--space-2);border-radius:var(--radius-sm);border:1px solid var(--color-border);font-size:var(--font-size-sm);counter-increment:stage}.stage-tracker li:before{content:counter(stage);display:block;margin:0 auto var(--space-2);width:1.5rem;height:1.5rem;line-height:1.5rem;border-radius:var(--radius-full);background:var(--color-border);color:var(--color-text);font-weight:700}.stage-tracker li.is-done{border-color:var(--color-success)}.stage-tracker li.is-done:before{background:var(--color-success);color:var(--color-primary-contrast)}.stage-tracker li.is-current{border-color:var(--color-primary);font-weight:700}.stage-tracker li.is-current:before{background:var(--color-primary);color:var(--color-primary-contrast)}.stage-tracker li.is-upcoming{color:var(--color-text-muted)}.badge-row{display:flex;flex-wrap:wrap;gap:var(--space-2);list-style:none;margin:0 0 var(--space-4);padding:0}.badge{padding:var(--space-1) var(--space-3);border:1px solid var(--color-border);border-radius:var(--radius-full);font-size:var(--font-size-sm);color:var(--color-text-muted);background:var(--color-bg)}.progress{height:6px;border-radius:var(--radius-full);background:var(--color-border);overflow:hidden}.progress-fill{height:100%;border-radius:var(--radius-full);background:var(--color-primary);transition:width .15s ease}.field{display:grid;gap:var(--space-1);margin:0 0 var(--space-4);padding:0;border:none}.field label,.field legend{font-weight:600;font-size:var(--font-size-sm)}.field .muted{margin:0}.field input[type=text],.field input[type=email],.field select{width:100%;padding:var(--space-3);border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface);color:var(--color-text);font-size:var(--font-size-md)}.field input:focus-visible,.field select:focus-visible,.goal-option:focus-within{outline:2px solid var(--color-primary);outline-offset:1px}.currency-input{display:flex;align-items:center;gap:var(--space-2)}.currency-input span{color:var(--color-text-muted)}.yesno{display:flex;gap:var(--space-6)}.yesno label{font-weight:400;font-size:var(--font-size-md)}.goal-grid{display:grid;grid-template-columns:1fr;gap:var(--space-2)}@media(min-width:640px){.goal-grid{grid-template-columns:repeat(2,1fr)}}.goal-option{display:grid;gap:var(--space-1);padding:var(--space-3);border:1px solid var(--color-border);border-radius:var(--radius-md);cursor:pointer}.goal-option.is-selected{border-color:var(--color-primary);box-shadow:0 0 0 1px var(--color-primary)}.goal-option .goal-name{font-weight:600}.wizard-actions{display:flex;flex-direction:column-reverse;gap:var(--space-2);margin-top:var(--space-4)}@media(min-width:640px){.wizard-actions{flex-direction:row;justify-content:flex-end}}.resume-banner{display:grid;gap:var(--space-2);padding:var(--space-4);margin-bottom:var(--space-4);border:1px solid var(--color-primary);border-radius:var(--radius-md);background:var(--color-bg)}.resume-banner p{margin:0}.error-banner{padding:var(--space-3);border:1px solid var(--color-danger);border-radius:var(--radius-sm);color:var(--color-danger);background:var(--color-surface)}.alert-banner{padding:var(--space-3);border:1px solid var(--color-warning);border-radius:var(--radius-sm);color:var(--color-warning);background:var(--color-surface)}.save-status{min-height:1.25rem;margin:var(--space-2) 0 0}.consent{display:flex;align-items:flex-start;gap:var(--space-3);margin:var(--space-4) 0;font-size:var(--font-size-sm)}.consent input{margin-top:3px;flex-shrink:0}.summary-list{margin:0 0 var(--space-4)}.summary-row{display:flex;justify-content:space-between;gap:var(--space-4);padding:var(--space-2) 0;border-bottom:1px solid var(--color-border)}.summary-row dt{color:var(--color-text-muted);font-size:var(--font-size-sm)}.summary-row dd{margin:0;font-weight:600;text-align:right}.card-title-row{display:flex;align-items:baseline;justify-content:space-between;gap:var(--space-3);flex-wrap:wrap}.status-pill{padding:var(--space-1) var(--space-3);border-radius:var(--radius-full);border:1px solid var(--color-border);font-size:var(--font-size-sm);color:var(--color-text-muted);white-space:nowrap}.status-pill.status-submitted,.status-pill.status-converted{border-color:var(--color-success);color:var(--color-success)}.status-pill.status-withdrawn{border-color:var(--color-danger);color:var(--color-danger)}.doc-checklist{margin-top:var(--space-6);padding-top:var(--space-4);border-top:1px solid var(--color-border)}.doc-checklist h3{margin:0 0 var(--space-1);font-size:var(--font-size-md)}.visually-hidden{position:absolute;width:1px;height:1px;margin:-1px;padding:0;border:0;clip:rect(0 0 0 0);overflow:hidden;white-space:nowrap}.doc-checklist .progress{margin:var(--space-2) 0 var(--space-4)}.doc-filter{display:flex;flex-wrap:wrap;gap:var(--space-2);margin-bottom:var(--space-4)}.chip{padding:var(--space-1) var(--space-3);border:1px solid var(--color-border);border-radius:var(--radius-full);background:var(--color-surface);color:var(--color-text-muted);font-size:var(--font-size-sm);font-family:var(--font-family-base);white-space:nowrap}button.chip{cursor:pointer}button.chip.is-active{border-color:var(--color-primary);color:var(--color-primary);font-weight:600}.chip-needed{border-color:var(--color-warning);color:var(--color-warning)}.chip-approved{border-color:var(--color-success);background:var(--color-success);color:var(--color-primary-contrast)}.chip-rejected{border-color:var(--color-danger);color:var(--color-danger);font-weight:600}.doc-section h4{margin:var(--space-4) 0 var(--space-2);font-size:var(--font-size-sm);text-transform:uppercase;letter-spacing:.04em;color:var(--color-text-muted)}.doc-items{list-style:none;margin:0;padding:0;display:grid;gap:var(--space-2)}.doc-item{border:1px solid var(--color-border);border-radius:var(--radius-md);background:var(--color-surface)}.doc-item-rejected{border-color:var(--color-danger);box-shadow:0 0 0 1px var(--color-danger)}.doc-item-approved{border-color:var(--color-success)}.doc-item.is-target{outline:2px solid var(--color-primary);outline-offset:1px}.doc-item-header{display:flex;align-items:center;gap:var(--space-3);width:100%;padding:var(--space-3);border:none;background:none;font-family:var(--font-family-base);font-size:var(--font-size-md);color:var(--color-text);text-align:left;cursor:pointer}.doc-item-title{flex:1;font-weight:600}.doc-item-party{white-space:nowrap}.doc-item-detail{padding:0 var(--space-3) var(--space-3);display:grid;gap:var(--space-3)}.doc-item-detail p{margin:0}.doc-approved{padding:var(--space-3);border:1px solid var(--color-success);border-radius:var(--radius-sm);color:var(--color-success);background:var(--color-bg)}.doc-rejected{padding:var(--space-3);border:1px solid var(--color-danger);border-radius:var(--radius-sm);color:var(--color-danger);background:var(--color-bg)}.doc-files{list-style:none;margin:0;padding:0;display:grid;gap:var(--space-2)}.doc-file{display:flex;align-items:baseline;gap:var(--space-3);flex-wrap:wrap}.doc-file-name{overflow-wrap:anywhere}.doc-viewer{width:100%;min-height:24rem;border:1px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-bg)}img.doc-viewer{min-height:0;max-width:100%;height:auto}.upload-zone{display:grid;gap:var(--space-2);justify-items:start;padding:var(--space-3);border:1px dashed var(--color-border);border-radius:var(--radius-sm)}.upload-zone.is-prominent{border-color:var(--color-primary)}.upload-zone-actions{display:flex;flex-wrap:wrap;gap:var(--space-2)}.upload-list{list-style:none;margin:var(--space-2) 0 0;padding:0;display:grid;gap:var(--space-2)}.upload-entry{display:flex;align-items:center;gap:var(--space-3);flex-wrap:wrap;font-size:var(--font-size-sm)}.upload-entry-name{overflow-wrap:anywhere}.upload-entry-status{display:flex;align-items:center;gap:var(--space-2);color:var(--color-text-muted)}.upload-entry-status .progress{width:8rem;margin:0}.upload-entry-status .progress,.upload-entry-status .progress-fill{display:block}.upload-ok{color:var(--color-success)}.upload-error{color:var(--color-danger)}.servicing-table{width:100%;border-collapse:collapse;margin:var(--space-2) 0 var(--space-4)}.servicing-table th,.servicing-table td{text-align:left;padding:var(--space-2) var(--space-3);border-bottom:1px solid var(--color-border);font-size:var(--font-size-sm)}.servicing-table th{color:var(--color-text-muted);font-weight:600}.payment-reversed td{text-decoration:line-through;color:var(--color-text-muted)}.statement-list{list-style:none;margin:var(--space-2) 0 var(--space-4);padding:0;display:flex;flex-direction:column;gap:var(--space-2)}.app-brand-role{display:block;font-family:var(--font-sans);font-weight:600;font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:var(--color-text-muted)}