@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700&family=Lato:wght@300;400;700&display=swap');

:root {
  --navy: #1E2A5E;
  --navy-dark: #141D45;
  --navy-mid: #2A3870;
  --navy-light: #3D4F8A;
  --blue-accent: #4A6CF7;
  --silver: #8B9BB4;
  --silver-light: #C8D0E0;
  --off-white: #F4F6FB;
  --white: #FFFFFF;
  --border: #DDE3EF;
  --yes-green: #28A745;
  --no-red: #DC3545;
  --gold: #C9A84C;
  --gold-light: #E8D5A0;
  --text-dark: #1A2140;
  --text-mid: #4A5568;
  --text-light: #718096;
  --shadow: 0 2px 16px rgba(30,42,94,0.10);
  --shadow-lg: 0 8px 40px rgba(30,42,94,0.16);
  --radius: 6px;
  --radius-lg: 12px;
}

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

body {
  font-family: 'Lato', sans-serif;
  background: var(--off-white);
  color: var(--text-dark);
  min-height: 100vh;
}

/* =================== LOGIN PAGE =================== */
.login-page {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
}

.login-page::before {
  content: '';
  position: absolute;
  width: 600px; height: 600px;
  border-radius: 50%;
  background: rgba(74,108,247,0.08);
  top: -200px; right: -200px;
}

.login-page::after {
  content: '';
  position: absolute;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(201,168,76,0.06);
  bottom: -150px; left: -100px;
}

.login-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 52px 48px;
  width: 420px;
  box-shadow: var(--shadow-lg);
  position: relative;
  z-index: 10;
}

.login-logo {
  text-align: center;
  margin-bottom: 36px;
}

.login-logo img {
  height: 72px;
  object-fit: contain;
  filter: invert(0);
}

.login-title {
  text-align: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 20px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}

.login-sub {
  text-align: center;
  font-size: 13px;
  color: var(--text-light);
  margin-bottom: 32px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-mid);
  margin-bottom: 8px;
}

.form-group input, .form-group select, .form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: 'Lato', sans-serif;
  font-size: 14px;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color 0.2s;
  outline: none;
}

.form-group input:focus, .form-group select:focus {
  border-color: var(--navy);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  transition: all 0.2s;
  text-decoration: none;
}

.btn-primary {
  background: var(--navy);
  color: var(--white);
  width: 100%;
  padding: 14px;
}

.btn-primary:hover { background: var(--navy-light); }

.btn-gold {
  background: var(--gold);
  color: var(--navy-dark);
}

.btn-gold:hover { background: #b8963e; }

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--border);
  color: var(--text-mid);
}

.btn-outline:hover { border-color: var(--navy); color: var(--navy); }

.btn-danger {
  background: var(--no-red);
  color: white;
}

.btn-sm { padding: 6px 14px; font-size: 11px; }

.login-error {
  background: #FEF2F2;
  border: 1px solid #FECACA;
  color: var(--no-red);
  padding: 10px 14px;
  border-radius: var(--radius);
  font-size: 13px;
  margin-bottom: 16px;
  display: none;
}

/* =================== APP LAYOUT =================== */
.app-layout { display: flex; min-height: 100vh; }

/* Sidebar */
.sidebar {
  width: 260px;
  background: var(--navy-dark);
  display: flex;
  flex-direction: column;
  position: fixed;
  top: 0; left: 0; bottom: 0;
  z-index: 100;
}

.sidebar-logo {
  padding: 24px 20px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.sidebar-logo img {
  height: 52px;
  object-fit: contain;
  filter: brightness(0) invert(1);
  width: 100%;
  object-position: left;
}

.sidebar-user {
  padding: 16px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.sidebar-user-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--white);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.sidebar-user-role {
  font-size: 11px;
  color: var(--gold);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-top: 2px;
}

.sidebar-nav {
  flex: 1;
  padding: 16px 0;
}

.nav-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 20px;
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,0.65);
  cursor: pointer;
  transition: all 0.2s;
  border-left: 3px solid transparent;
}

.nav-item:hover { color: white; background: rgba(255,255,255,0.05); }
.nav-item.active { color: white; border-left-color: var(--gold); background: rgba(255,255,255,0.07); }

.nav-item svg { width: 18px; height: 18px; flex-shrink: 0; }

.sidebar-footer {
  padding: 16px 20px;
  border-top: 1px solid rgba(255,255,255,0.08);
}

.sidebar-footer .btn-outline {
  width: 100%;
  border-color: rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.7);
  font-size: 12px;
  padding: 10px;
}

.sidebar-footer .btn-outline:hover { border-color: white; color: white; }

/* Main content */
.main-content {
  margin-left: 260px;
  flex: 1;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

.top-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 0 36px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.page-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
}

.page-content {
  padding: 32px 36px;
  flex: 1;
}

/* =================== PROGRESS STEPS =================== */
.progress-steps {
  display: flex;
  align-items: center;
  gap: 0;
  margin-bottom: 32px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  overflow-x: auto;
}

.step {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  padding: 6px 12px;
  border-radius: var(--radius);
  transition: background 0.15s;
  white-space: nowrap;
  flex-shrink: 0;
}

.step:hover { background: var(--off-white); }

.step-num {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--silver-light);
  color: var(--silver);
  font-size: 12px;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.step.active .step-num { background: var(--navy); color: white; }
.step.done .step-num { background: var(--yes-green); color: white; }

.step-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--silver);
  font-family: 'Montserrat', sans-serif;
}

.step.active .step-label { color: var(--navy); }
.step.done .step-label { color: var(--yes-green); }

.step-arrow {
  color: var(--silver-light);
  font-size: 18px;
  margin: 0 4px;
  flex-shrink: 0;
}

/* =================== BENEFIT TABLES =================== */
.section-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: 24px;
}

.section-card-header {
  background: var(--navy);
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.section-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
}

.section-card-subtitle {
  font-size: 12px;
  color: rgba(255,255,255,0.6);
  margin-top: 2px;
}

.plan-info-box {
  background: var(--off-white);
  border-left: 3px solid var(--navy);
  padding: 16px 20px;
  margin: 0;
}

.plan-info-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 6px;
}

.plan-info-text {
  font-size: 12px;
  color: var(--text-mid);
  line-height: 1.6;
}

.badge {
  font-size: 9px;
  padding: 2px 8px;
  border-radius: 10px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.badge-navy { background: var(--navy); color: white; }
.badge-gold { background: var(--gold); color: var(--navy-dark); }
.badge-green { background: var(--yes-green); color: white; }
.badge-blue { background: var(--blue-accent); color: white; }

/* Table */
.benefit-table { width: 100%; }

.table-header {
  display: grid;
  grid-template-columns: 1fr 110px 110px 110px;
  background: var(--navy-dark);
  padding: 10px 20px;
  gap: 8px;
}

.th {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
}

.th.center { text-align: center; }

.group-header {
  background: linear-gradient(90deg, var(--off-white), var(--white));
  padding: 10px 20px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--navy);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.benefit-row {
  display: grid;
  grid-template-columns: 1fr 110px 110px 110px;
  padding: 14px 20px;
  gap: 8px;
  align-items: center;
  border-bottom: 1px solid var(--border);
  transition: background 0.12s;
  cursor: default;
}

.benefit-row:hover { background: rgba(244,246,251,0.8); }
.benefit-row:last-child { border-bottom: none; }

.benefit-row.indent { padding-left: 36px; background: rgba(244,246,251,0.3); }

.benefit-info { }

.benefit-name-row {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
}

.benefit-name {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dark);
}

.benefit-short {
  font-size: 11px;
  color: var(--text-light);
  margin-top: 2px;
}

.benefit-note {
  font-size: 10px;
  color: var(--gold);
  margin-top: 3px;
  font-style: italic;
}

/* Expand icon */
.expand-icon {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--off-white);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.2s;
  color: var(--navy);
  font-size: 12px;
  font-weight: 700;
}

.benefit-name-row:hover .expand-icon {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
}

/* Expanded detail panel */
.benefit-detail {
  display: none;
  padding: 12px 20px 14px 36px;
  background: linear-gradient(90deg, rgba(30,42,94,0.03), transparent);
  border-bottom: 1px solid var(--border);
  border-left: 3px solid var(--navy);
  font-size: 12px;
  color: var(--text-mid);
  line-height: 1.7;
}

.benefit-detail.open { display: block; }

.detail-sections {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 10px;
}

.detail-col h4 {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 6px;
}

.detail-col ul {
  list-style: none;
  padding: 0;
}

.detail-col ul li {
  font-size: 11px;
  color: var(--text-mid);
  padding: 2px 0;
  display: flex;
  align-items: flex-start;
  gap: 6px;
}

.detail-col ul li::before {
  content: '✓';
  color: var(--yes-green);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

.pdf-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 10px;
  padding: 6px 14px;
  background: var(--navy);
  color: white;
  border-radius: 4px;
  font-size: 11px;
  font-weight: 600;
  text-decoration: none;
  letter-spacing: 0.5px;
}

.pdf-link:hover { background: var(--navy-light); }

/* Toggle Y/N */
.toggle-cell {
  display: flex;
  justify-content: center;
}

.yn-toggle {
  display: flex;
  border: 1.5px solid var(--border);
  border-radius: 4px;
  overflow: hidden;
}

.yn-btn {
  padding: 5px 10px;
  border: none;
  background: var(--off-white);
  color: var(--silver);
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 700;
  cursor: pointer;
  letter-spacing: 1px;
  transition: all 0.15s;
}

.yn-btn:hover:not(.active) { background: var(--silver-light); color: var(--text-dark); }
.yn-btn.yes.active { background: var(--yes-green); color: white; }
.yn-btn.no.active { background: var(--no-red); color: white; }

/* =================== RADIO OPTIONS =================== */
.radio-options { padding: 16px 20px; display: flex; flex-direction: column; gap: 10px; }

.radio-opt {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  cursor: pointer;
  transition: all 0.15s;
  background: var(--white);
}

.radio-opt:hover { border-color: var(--navy); background: var(--off-white); }
.radio-opt.selected { border-color: var(--navy); background: rgba(30,42,94,0.03); }
.radio-opt input[type=radio] { margin-top: 3px; accent-color: var(--navy); }

.radio-opt-title { font-size: 13px; font-weight: 600; color: var(--text-dark); }
.radio-opt-desc { font-size: 11px; color: var(--text-light); margin-top: 3px; line-height: 1.5; }

/* Custom 401k panel */
.config-panel {
  background: rgba(30,42,94,0.03);
  border: 1.5px dashed var(--navy-light);
  border-radius: var(--radius);
  padding: 20px;
  margin: 0 20px 16px;
}

.config-panel-title {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 14px;
}

.config-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

/* =================== STATE TABS =================== */
.state-tabs {
  display: flex;
  gap: 8px;
  padding: 16px 20px 0;
}

.state-tab {
  padding: 8px 20px;
  border: 1.5px solid var(--border);
  border-bottom: none;
  border-radius: 6px 6px 0 0;
  background: var(--off-white);
  cursor: pointer;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 600;
  color: var(--silver);
  transition: all 0.15s;
}

.state-tab.active { background: var(--navy); color: white; border-color: var(--navy); }
.state-tab:not(.active):hover { background: var(--silver-light); }

.state-content { display: none; }
.state-content.active { display: block; }

/* =================== NAV BUTTONS =================== */
.nav-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  border-top: 1px solid var(--border);
  background: var(--off-white);
}

/* =================== ADMIN PANEL =================== */
.admin-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }

.admin-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.admin-card-header {
  background: var(--navy);
  padding: 16px 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: white;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.admin-card-body { padding: 20px; }

.client-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
}

.client-row:last-child { border-bottom: none; }

.client-name { font-size: 13px; font-weight: 600; color: var(--text-dark); }
.client-email { font-size: 11px; color: var(--text-light); margin-top: 2px; }
.client-company { font-size: 11px; color: var(--navy); font-weight: 600; margin-top: 1px; }

.sub-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: 12px;
}

.sub-row:last-child { border-bottom: none; }

/* =================== SUMMARY / REVIEW =================== */
.summary-section {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: 20px;
}

.summary-header {
  background: var(--navy);
  padding: 14px 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: white;
}

.summary-table { width: 100%; border-collapse: collapse; }
.summary-table th {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 8px 16px;
  text-align: left;
}

.summary-table th:not(:first-child) { text-align: center; }

.summary-table td {
  padding: 10px 16px;
  font-size: 12px;
  border-bottom: 1px solid var(--border);
  color: var(--text-mid);
}

.summary-table td:not(:first-child) { text-align: center; }
.summary-table tr:last-child td { border-bottom: none; }
.summary-table tr:hover td { background: var(--off-white); }

.sum-yes { color: var(--yes-green); font-weight: 700; }
.sum-no { color: var(--no-red); font-weight: 700; }
.sum-na { color: var(--silver); }

/* Signature block */
.sig-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 24px;
  padding: 24px;
}

.sig-field label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-light);
  display: block;
  margin-bottom: 8px;
}

.sig-line {
  border: none;
  border-bottom: 2px solid var(--navy);
  width: 100%;
  padding: 8px 0;
  font-size: 14px;
  font-family: 'Lato', sans-serif;
  outline: none;
  background: transparent;
  color: var(--text-dark);
}

/* Disclaimer */
.disclaimer-box {
  background: rgba(201,168,76,0.08);
  border-left: 4px solid var(--gold);
  padding: 16px 20px;
  font-size: 11px;
  color: var(--text-mid);
  line-height: 1.7;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-top: 20px;
}

/* Toast */
.toast {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: var(--navy-dark);
  color: white;
  padding: 14px 20px;
  border-radius: var(--radius);
  font-size: 13px;
  font-weight: 500;
  box-shadow: var(--shadow-lg);
  z-index: 9999;
  transform: translateY(100px);
  opacity: 0;
  transition: all 0.3s;
}

.toast.show { transform: translateY(0); opacity: 1; }
.toast.success { border-left: 4px solid var(--yes-green); }
.toast.error { border-left: 4px solid var(--no-red); }

/* Print */
@media print {
  .sidebar, .top-bar, .progress-steps, .nav-row, .btn, button { display: none !important; }
  .main-content { margin-left: 0 !important; }
  .page-content { padding: 0 !important; }
  .section-card { break-inside: avoid; }
}

/* Inline input fields */
.inline-input {
  border: none;
  border-bottom: 1px solid var(--border);
  font-size: 12px;
  background: transparent;
  outline: none;
  padding: 2px 4px;
  color: var(--text-dark);
  width: 80px;
}

.inline-input:focus { border-bottom-color: var(--navy); }

@media (max-width: 900px) {
  .sidebar { width: 220px; }
  .main-content { margin-left: 220px; }
  .detail-sections { grid-template-columns: 1fr; }
  .config-grid { grid-template-columns: 1fr; }
  .admin-grid { grid-template-columns: 1fr; }
  .sig-grid { grid-template-columns: 1fr; }
}