:root{
  --ink:#16211C; --paper:#F6F4EE; --panel:#FBFAF6; --pine:#234E3E; --pine2:#2F6A54;
  --mist:#E2DCCE; --muted:#4A5A52; --faint:#8A9990; --amber:#B57A24; --amber-bg:#FBF3E6;
  --danger:#B03A2E;
  --font-body:'Public Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --font-display:'Bricolage Grotesque',var(--font-body);
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{background:var(--paper);color:var(--ink);font-family:var(--font-body);line-height:1.5}
a{color:var(--pine)}
h1,h2,h3{font-family:var(--font-display);font-weight:700;line-height:1.1;margin:0}
.tnum{font-variant-numeric:tabular-nums}
.muted{color:var(--muted)}
.faint{color:var(--faint)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}

/* header */
.rm-head{border-bottom:1px solid var(--mist);background:var(--panel)}
.rm-head .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 20px}
.brand{display:flex;align-items:center;gap:8px;font-family:var(--font-display);font-weight:700;font-size:18px;text-decoration:none;color:var(--ink)}
.brand .mark{width:28px;height:28px;border-radius:7px;background:var(--pine);color:var(--paper);display:grid;place-items:center;font-family:var(--font-display);font-weight:700}
.brand .dot{color:var(--pine)}
.pill{font-size:12px;padding:5px 10px;border-radius:999px;background:#EDE7DA;color:#3A4A42}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:7px;border:0;border-radius:10px;padding:11px 18px;
  font-family:var(--font-body);font-size:14px;font-weight:600;cursor:pointer;text-decoration:none}
.btn-primary{background:var(--pine);color:var(--paper)}
.btn-primary:hover{background:var(--pine2)}
.btn-ghost{background:#EDE7DA;color:#3A4A42}
.btn-amber{background:var(--amber);color:#fff}
.btn:disabled{opacity:.4;cursor:not-allowed}
.btn-sm{padding:7px 12px;font-size:13px;border-radius:8px}
.btn-danger{background:var(--danger);color:#fff}

/* tool layout */
.tool-grid{display:grid;gap:26px;grid-template-columns:1fr 320px;padding:24px 0}
@media(max-width:860px){.tool-grid{grid-template-columns:1fr}.snap{position:static !important}}
.stepper{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:22px}
.step{display:flex;align-items:center;gap:6px;border:0;border-radius:999px;padding:6px 12px;font-size:12px;font-weight:600;cursor:pointer;background:#EDE7DA;color:#6B7B72}
.step.active{background:var(--pine);color:var(--paper)}
.step.done{background:#E0EAE3;color:var(--pine)}
.step:disabled{cursor:not-allowed;opacity:.6}

.card{background:var(--panel);border:1px solid var(--mist);border-radius:16px;padding:20px}
section.block+section.block{margin-top:20px}
.sec-title{font-size:22px}
.sec-hint{color:var(--muted);font-size:14px;margin:4px 0 0}
.grid2{display:grid;gap:14px;grid-template-columns:1fr 1fr}
@media(max-width:560px){.grid2{grid-template-columns:1fr}}
label.fld{display:block}
.fld span.lab{display:block;font-size:12px;font-weight:600;color:#3A4A42;margin-bottom:5px}
input.in,select.in,textarea.in{width:100%;border:1px solid #D9D2C2;background:#fff;border-radius:9px;
  padding:9px 11px;font-size:14px;color:var(--ink);font-family:var(--font-body);outline:none}
input.in:focus,select.in:focus,textarea.in:focus{border-color:var(--pine);box-shadow:0 0 0 3px rgba(35,78,62,.12)}
.money{position:relative}
.money .cur{position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--faint);font-size:14px}
.money input{padding-left:24px}

.flag{display:flex;gap:10px;background:var(--amber-bg);border:1px solid #EAD9BC;color:#5A4620;
  border-radius:12px;padding:12px 14px;font-size:13.5px;margin-top:14px}
.flag b{color:#5A4620}
details.adv{margin-top:12px;border:1px solid var(--mist);border-radius:12px;background:#fff;padding:0 14px}
details.adv>summary{cursor:pointer;padding:12px 0;font-weight:600;font-size:14px;color:var(--pine)}
details.adv[open]{padding-bottom:12px}

.rowline{display:flex;gap:10px;align-items:center;margin-top:8px}
.rowline input.in{flex:1}
.linkbtn{background:none;border:0;color:var(--pine);font-weight:600;cursor:pointer;font-size:13px;padding:6px 0}
.del{background:none;border:0;color:var(--danger);cursor:pointer;font-size:16px;line-height:1;padding:4px 8px}

/* snapshot */
.snap{position:sticky;top:16px;align-self:start}
.snap .card{padding:18px}
.snap .cap{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--faint)}
.snap .big{font-family:var(--font-display);font-weight:700;font-size:32px;margin-top:2px}
.snap .row{display:flex;justify-content:space-between;align-items:baseline;font-size:14px;margin-top:9px}
.snap .row .k{color:var(--muted)}
.snap .row .v{font-weight:600}
.snap .rule{height:1px;background:var(--mist);margin:10px 0}
.privacy{display:flex;gap:8px;font-size:12px;color:var(--muted);background:var(--panel);border:1px solid var(--mist);border-radius:12px;padding:12px;margin-top:12px}

.navbtns{display:flex;justify-content:space-between;margin-top:24px}

/* statement upload chips */
.drop{border:1.5px dashed #C9C0AC;border-radius:12px;padding:18px;text-align:center;background:#fff;color:var(--muted);font-size:14px}
.drop.drag{border-color:var(--pine);background:#F0F5F1}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.chip{display:flex;align-items:center;gap:8px;border:1px solid var(--mist);background:#fff;border-radius:999px;padding:6px 12px;font-size:13px}
.chip b{font-variant-numeric:tabular-nums}
.chip button{border:0;background:var(--pine);color:#fff;border-radius:999px;font-size:12px;padding:3px 9px;cursor:pointer}

/* summary sheet */
.sheet{background:#fff;border:1px solid var(--mist);border-radius:16px;padding:24px}
.sheet table{width:100%;border-collapse:collapse;font-size:14px;font-variant-numeric:tabular-nums}
.sheet td{padding:4px 0}
.sheet td.amt{text-align:right;font-weight:600}
.sheet .blk-title{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--pine);margin-top:18px}
.sheet .tot td{border-top:1px solid var(--mist);font-weight:700;padding-top:6px}
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);background:var(--ink);color:#fff;padding:12px 18px;border-radius:10px;font-size:14px;opacity:0;transition:opacity .2s;pointer-events:none;z-index:50}
.toast.show{opacity:1}
.disclaimer{font-size:11.5px;color:var(--faint);line-height:1.6;margin-top:14px}