/* ============================================
   ThriveXdna Financial Protection Calculator
   Styles - Modern, Clean, Professional
   VERSION: 2026-01-27 (Monte Carlo Update)
   ============================================ */

/* CSS Variables */
:root {
    --primary-color: #1ECBE1;
    --primary-dark: #17a8ba;
    --primary-light: #e0f7fb;
    --secondary-color: #6366f1;
    --accent-color: #E1341E;
    --danger-color: #E1341E;
    --warning-color: #f59e0b;
    --success-color: #1ECBE1;

    --text-primary: #1f2937;
    --text-secondary: #6b7280;
    --text-muted: #9ca3af;

    --bg-primary: #ffffff;
    --bg-secondary: #f9fafb;
    --bg-tertiary: #f3f4f6;

    --border-color: #e5e7eb;
    --border-radius: 12px;
    --border-radius-sm: 8px;
    --border-radius-lg: 16px;

    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);

    --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

    --transition: all 0.2s ease;
}

/* Reset & Base */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    font-size: 16px;
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-family);
    background: linear-gradient(135deg, #e0f7fb 0%, #f0f9ff 50%, #e0f2fe 100%);
    color: var(--text-primary);
    line-height: 1.6;
    min-height: 100vh;
    padding: 20px;
}

/* Calculator Container */
.calculator-container {
    max-width: 800px;
    margin: 0 auto;
    background: var(--bg-primary);
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
}

/* Header */
.calculator-header {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: white;
    padding: 40px 30px;
    text-align: center;
}

.logo {
    margin-bottom: 20px;
}

.logo-text {
    font-size: 1.5rem;
    font-weight: 700;
    letter-spacing: -0.5px;
}

.logo-accent {
    color: var(--primary-light);
}

.calculator-header h1 {
    font-size: 1.75rem;
    font-weight: 700;
    margin-bottom: 10px;
}

.calculator-header .subtitle {
    font-size: 1rem;
    opacity: 0.9;
    margin-bottom: 20px;
}

.features {
    display: flex;
    justify-content: center;
    gap: 10px;
    flex-wrap: wrap;
}

.feature-tag {
    background: rgba(255, 255, 255, 0.2);
    padding: 6px 14px;
    border-radius: 20px;
    font-size: 0.85rem;
    font-weight: 500;
}

/* Progress Bar */
.progress-container {
    padding: 30px;
    background: var(--bg-secondary);
    border-bottom: 1px solid var(--border-color);
}

.progress-bar {
    height: 6px;
    background: var(--border-color);
    border-radius: 3px;
    overflow: hidden;
    margin-bottom: 20px;
}

.progress-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--primary-color), var(--secondary-color));
    border-radius: 3px;
    transition: width 0.4s ease;
    width: 25%;
}

.progress-steps {
    display: flex;
    justify-content: space-between;
}

.step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    opacity: 0.5;
    transition: var(--transition);
}

.step.active {
    opacity: 1;
}

.step.completed {
    opacity: 1;
}

.step.completed .step-number {
    background: var(--primary-color);
    color: white;
}

.step-number {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--border-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 0.9rem;
    transition: var(--transition);
}

.step.active .step-number {
    background: var(--primary-color);
    color: white;
    transform: scale(1.1);
}

.step span {
    font-size: 0.8rem;
    font-weight: 500;
    color: var(--text-secondary);
}

/* Form Steps */
.form-step {
    display: none;
    padding: 30px;
    animation: fadeIn 0.3s ease;
}

.form-step.active {
    display: block;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.step-header {
    margin-bottom: 30px;
}

.step-header h2 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 8px;
}

.step-header p {
    color: var(--text-secondary);
}

/* Form Groups */
.form-group {
    margin-bottom: 24px;
}

.form-group label {
    display: block;
    font-weight: 600;
    font-size: 0.95rem;
    margin-bottom: 8px;
    color: var(--text-primary);
}

.form-group input[type="text"],
.form-group input[type="number"],
.form-group input[type="email"] {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
    font-family: var(--font-family);
    transition: var(--transition);
}

.form-group input:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px var(--primary-light);
}

/* Currency Input Wrapper - Symbol Outside Input */
.currency-input-wrapper {
    display: flex;
    flex-direction: row;
    align-items: center;
    gap: 8px;
    flex-wrap: nowrap;
}

.currency-input-wrapper .currency-symbol {
    font-weight: 600;
    font-size: 1.1rem;
    color: var(--text-primary);
    flex-shrink: 0;
}

.currency-input-wrapper input {
    flex: 1;
    min-width: 0;
}

.currency-input-wrapper input::placeholder {
    color: var(--text-muted);
    opacity: 0.7;
}

/* Years Input Wrapper */
.years-input-wrapper {
    display: flex;
    align-items: center;
    gap: 10px;
}

.years-input-wrapper input {
    width: 100px;
    padding: 14px 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
    font-family: var(--font-family);
    text-align: center;
}

.years-input-wrapper input:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px var(--primary-light);
}

.years-input-wrapper .years-label {
    font-weight: 500;
    color: var(--text-secondary);
}

.field-hint {
    display: block;
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 6px;
}

/* Radio Groups */
.radio-group {
    display: flex;
    gap: 20px;
}

.radio-label {
    display: flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    font-weight: 500;
}

.radio-label input[type="radio"] {
    display: none;
}

.radio-custom {
    width: 20px;
    height: 20px;
    border: 2px solid var(--border-color);
    border-radius: 50%;
    position: relative;
    transition: var(--transition);
}

.radio-label input[type="radio"]:checked + .radio-custom {
    border-color: var(--primary-color);
}

.radio-label input[type="radio"]:checked + .radio-custom::after {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 10px;
    height: 10px;
    background: var(--primary-color);
    border-radius: 50%;
}

/* Radio Cards */
.radio-cards {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.radio-card {
    display: block;
    cursor: pointer;
}

.radio-card input[type="radio"] {
    display: none;
}

.radio-card .card-content {
    padding: 16px 20px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    transition: var(--transition);
}

.radio-card .card-content strong {
    display: block;
    font-size: 1rem;
    margin-bottom: 4px;
}

.radio-card .card-content span {
    font-size: 0.85rem;
    color: var(--text-secondary);
}

.radio-card input[type="radio"]:checked + .card-content {
    border-color: var(--primary-color);
    background: var(--primary-light);
}

/* Button Select */
.button-select {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.select-btn {
    padding: 12px 24px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    background: white;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
}

.select-btn:hover {
    border-color: var(--primary-color);
}

.select-btn.active {
    background: var(--primary-color);
    border-color: var(--primary-color);
    color: white;
}

/* Children Inputs */
.children-inputs {
    display: flex;
    gap: 15px;
    flex-wrap: wrap;
}

.child-input {
    display: flex;
    align-items: center;
    gap: 8px;
}

.child-input span {
    font-size: 0.9rem;
    color: var(--text-secondary);
}

.child-input input {
    width: 70px;
    padding: 10px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    font-size: 0.95rem;
    text-align: center;
}

/* Form Sections */
.form-section {
    margin-bottom: 30px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--border-color);
}

.form-section:last-of-type {
    border-bottom: none;
}

.form-section h3 {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--text-primary);
    margin-bottom: 20px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--primary-light);
}

/* Summary Boxes */
.income-summary,
.debt-summary,
.protection-summary,
.education-total {
    background: var(--bg-secondary);
    padding: 16px 20px;
    border-radius: var(--border-radius-sm);
    margin-top: 20px;
}

.summary-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
}

.summary-row.total {
    border-top: 2px solid var(--border-color);
    margin-top: 8px;
    padding-top: 16px;
    font-size: 1.1rem;
}

.summary-row.total strong {
    color: var(--primary-color);
}

.income-summary {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.income-summary strong,
.education-total strong {
    font-size: 1.2rem;
    color: var(--primary-color);
}

/* Tip Box */
.tip-box {
    display: flex;
    gap: 12px;
    padding: 16px;
    background: #fef3c7;
    border-radius: var(--border-radius-sm);
    border-left: 4px solid var(--accent-color);
    margin-top: 20px;
}

.tip-icon {
    font-size: 1.2rem;
}

.tip-box p {
    font-size: 0.9rem;
    color: #92400e;
}

/* Form Navigation */
.form-navigation {
    display: flex;
    justify-content: space-between;
    gap: 15px;
    margin-top: 30px;
    padding-top: 20px;
    border-top: 1px solid var(--border-color);
}

/* Buttons */
.btn {
    padding: 14px 28px;
    border: none;
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
    font-weight: 600;
    font-family: var(--font-family);
    cursor: pointer;
    transition: var(--transition);
}

.btn-next,
.btn-calculate {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    color: white;
    margin-left: auto;
}

.btn-next:hover,
.btn-calculate:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-back {
    background: var(--bg-tertiary);
    color: var(--text-secondary);
}

.btn-back:hover {
    background: var(--border-color);
}

/* Hidden Elements */
.hidden {
    display: none !important;
}

/* Results Preview */
.results-preview {
    padding: 30px;
    animation: fadeIn 0.4s ease;
}

.results-header {
    text-align: center;
    margin-bottom: 30px;
}

.results-header h2 {
    font-size: 1.5rem;
    color: var(--text-primary);
}

.results-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 15px;
    margin-bottom: 30px;
}

.result-card {
    background: var(--bg-secondary);
    padding: 20px;
    border-radius: var(--border-radius);
    text-align: center;
    border: 2px solid var(--border-color);
}

.result-card.highlight {
    background: linear-gradient(135deg, #fef2f2, #fee2e2);
    border-color: var(--danger-color);
}

.card-label {
    display: block;
    font-size: 0.85rem;
    color: var(--text-secondary);
    margin-bottom: 8px;
}

.card-value {
    display: block;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 4px;
}

.result-card.highlight .card-value {
    color: var(--danger-color);
}

.card-sublabel {
    font-size: 0.8rem;
    color: var(--text-muted);
}

.gap-status {
    font-weight: 600;
    color: var(--danger-color);
}

/* Coverage Bar */
.coverage-bar {
    margin-bottom: 30px;
}

.bar-labels {
    display: flex;
    justify-content: space-between;
    margin-bottom: 8px;
    font-size: 0.85rem;
    color: var(--text-secondary);
}

.bar-container {
    height: 24px;
    background: var(--bg-tertiary);
    border-radius: var(--border-radius-sm);
    overflow: hidden;
    position: relative;
}

.bar-have {
    position: absolute;
    left: 0;
    top: 0;
    height: 100%;
    background: var(--primary-color);
    border-radius: var(--border-radius-sm);
    transition: width 0.5s ease;
}

.bar-need {
    position: absolute;
    right: 0;
    top: 0;
    height: 100%;
    background: repeating-linear-gradient(
        45deg,
        var(--danger-color),
        var(--danger-color) 10px,
        #fca5a5 10px,
        #fca5a5 20px
    );
    border-radius: var(--border-radius-sm);
    transition: width 0.5s ease;
}

/* Email Gate */
.email-gate {
    background: var(--bg-secondary);
    padding: 30px;
    border-radius: var(--border-radius);
    text-align: center;
    border: 2px dashed var(--border-color);
}

.gate-icon {
    font-size: 2rem;
    margin-bottom: 15px;
}

.email-gate h3 {
    font-size: 1.25rem;
    margin-bottom: 10px;
}

.gate-features {
    text-align: left;
    max-width: 400px;
    margin: 20px auto;
    padding-left: 20px;
}

.gate-features li {
    margin-bottom: 8px;
    font-size: 0.95rem;
    color: var(--text-secondary);
}

.email-form {
    max-width: 400px;
    margin: 25px auto 0;
}

.email-form .form-group {
    margin-bottom: 15px;
}

.email-form input {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
}

.btn-unlock {
    width: 100%;
    background: linear-gradient(135deg, var(--secondary-color), #4f46e5);
    color: white;
    padding: 16px;
}

.btn-unlock:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.privacy-note {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 15px;
}

/* Privacy Consent - ThriveX Theme */
.privacy-consent {
    margin-top: 20px;
    padding: 16px;
    background: linear-gradient(135deg, #1ECBE1 0%, #17a2b8 100%);
    border-radius: var(--border-radius-sm);
    text-align: left;
    box-shadow: 0 4px 12px rgba(30, 203, 225, 0.3);
}

.privacy-consent .consent-notice {
    font-size: 0.8rem;
    line-height: 1.6;
    color: #ffffff;
    margin-bottom: 8px;
}

.privacy-consent .privacy-link {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.9);
}

.privacy-consent .privacy-link a {
    color: #ffffff;
    text-decoration: underline;
    font-weight: 600;
}

.privacy-consent .privacy-link a:hover {
    text-decoration: none;
}

/* Opt-Out Checkbox */
.privacy-consent .opt-out-checkbox {
    margin: 12px 0;
    padding: 10px 12px;
    background: rgba(255, 255, 255, 0.15);
    border-radius: 6px;
}

.privacy-consent .opt-out-checkbox label {
    display: flex;
    align-items: center;
    cursor: pointer;
    font-size: 0.8rem;
    color: #ffffff;
    margin: 0;
}

.privacy-consent .opt-out-checkbox input[type="checkbox"] {
    margin-right: 10px;
    width: 16px;
    height: 16px;
}

.privacy-consent .opt-out-checkbox span {
    line-height: 1.4;
}

/* Full Results */
.full-results {
    padding: 30px;
    animation: fadeIn 0.4s ease;
}

.full-results .results-header {
    margin-bottom: 10px;
}

.prepared-for {
    color: var(--text-secondary);
}

.results-section {
    margin-bottom: 40px;
    padding-bottom: 30px;
    border-bottom: 1px solid var(--border-color);
}

.results-section h3 {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 20px;
    padding-bottom: 10px;
    border-bottom: 3px solid var(--primary-color);
    display: inline-block;
}

/* Total Coverage Box */
.total-coverage-box,
.final-need-box,
.freedom-number-box {
    background: linear-gradient(135deg, var(--primary-light), #b3e7f0);
    padding: 25px;
    border-radius: var(--border-radius);
    text-align: center;
    margin-bottom: 25px;
}

.total-coverage-box .label,
.final-need-box .label,
.freedom-number-box .label {
    display: block;
    font-size: 0.9rem;
    color: var(--primary-dark);
    margin-bottom: 8px;
    font-weight: 600;
}

.total-coverage-box .value,
.final-need-box .value,
.freedom-number-box .value {
    display: block;
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary-dark);
}

.freedom-number-box .sublabel {
    display: block;
    font-size: 0.85rem;
    color: var(--primary-dark);
    opacity: 0.8;
    margin-top: 5px;
}

/* DIME Breakdown */
.dime-breakdown {
    margin-bottom: 25px;
}

.dime-item {
    margin-bottom: 20px;
    padding: 20px;
    background: var(--bg-secondary);
    border-radius: var(--border-radius-sm);
}

.dime-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 12px;
}

.dime-letter {
    width: 36px;
    height: 36px;
    background: var(--primary-color);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
}

.dime-title {
    flex: 1;
    font-weight: 600;
    font-size: 0.95rem;
}

.dime-amount {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--primary-color);
}

.dime-details {
    margin-bottom: 12px;
    padding-left: 48px;
}

.dime-details p {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
    color: var(--text-secondary);
    padding: 4px 0;
}

.dime-bar {
    height: 8px;
    background: var(--border-color);
    border-radius: 4px;
    overflow: hidden;
}

.dime-bar-fill {
    height: 100%;
    background: var(--primary-color);
    border-radius: 4px;
    transition: width 0.5s ease;
}

.dime-bar-fill.income {
    background: var(--secondary-color);
}

.dime-bar-fill.mortgage {
    background: var(--accent-color);
}

.dime-bar-fill.education {
    background: #ec4899;
}

/* Subtotal Box */
.subtotal-box {
    background: var(--bg-tertiary);
    padding: 15px 20px;
    border-radius: var(--border-radius-sm);
    margin-bottom: 20px;
}

.subtotal-row {
    display: flex;
    justify-content: space-between;
    font-size: 1.1rem;
    font-weight: 600;
}

/* Minus Section */
.minus-section {
    background: #fef2f2;
    padding: 20px;
    border-radius: var(--border-radius-sm);
    margin-bottom: 25px;
}

.minus-section h4 {
    font-size: 1rem;
    margin-bottom: 15px;
    color: var(--danger-color);
}

.minus-details p {
    display: flex;
    justify-content: space-between;
    padding: 6px 0;
    font-size: 0.95rem;
}

.minus-total {
    display: flex;
    justify-content: space-between;
    padding-top: 12px;
    margin-top: 12px;
    border-top: 2px solid #fecaca;
    font-weight: 600;
    font-size: 1.05rem;
    color: var(--danger-color);
}

/* Freedom Section */
.freedom-calculation {
    background: var(--bg-secondary);
    padding: 20px;
    border-radius: var(--border-radius-sm);
    margin-bottom: 20px;
}

.calc-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    font-size: 0.95rem;
}

.freedom-explanation {
    font-size: 0.95rem;
    color: var(--text-secondary);
    margin-bottom: 20px;
    line-height: 1.7;
}

.freedom-progress {
    background: var(--bg-secondary);
    padding: 20px;
    border-radius: var(--border-radius-sm);
    margin-bottom: 20px;
}

.progress-label {
    display: flex;
    justify-content: space-between;
    margin-bottom: 10px;
    font-weight: 500;
}

.progress-bar-container {
    height: 20px;
    background: var(--border-color);
    border-radius: 10px;
    overflow: hidden;
    margin-bottom: 10px;
}

.progress-bar-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--primary-color), var(--secondary-color));
    border-radius: 10px;
    transition: width 0.5s ease;
}

.progress-amounts {
    display: flex;
    justify-content: space-between;
    font-size: 0.85rem;
    color: var(--text-secondary);
}

.freedom-gap {
    display: flex;
    justify-content: space-between;
    padding: 15px 20px;
    background: var(--bg-tertiary);
    border-radius: var(--border-radius-sm);
}

.freedom-gap strong {
    color: var(--secondary-color);
    font-size: 1.2rem;
}

/* Coverage Tiers */
.coverage-tiers {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 20px;
}

.tier {
    padding: 25px 20px;
    background: var(--bg-secondary);
    border-radius: var(--border-radius);
    text-align: center;
    border: 2px solid var(--border-color);
    position: relative;
}

.tier.recommended {
    border-color: var(--primary-color);
    background: linear-gradient(180deg, var(--primary-light), white);
}

.recommended-badge {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--primary-color);
    color: white;
    padding: 4px 12px;
    border-radius: 12px;
    font-size: 0.75rem;
    font-weight: 600;
    white-space: nowrap;
}

.tier h4 {
    font-size: 1rem;
    margin-bottom: 10px;
}

.tier-amount {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 5px;
}

.tier-premium {
    font-size: 1.1rem;
    color: var(--primary-color);
    font-weight: 600;
    margin-bottom: 5px;
}

.tier-term {
    font-size: 0.85rem;
    color: var(--text-muted);
    display: block;
    margin-bottom: 15px;
}

.tier ul {
    text-align: left;
    padding-left: 20px;
    font-size: 0.9rem;
    color: var(--text-secondary);
}

.tier li {
    margin-bottom: 6px;
}

.premium-note {
    font-size: 0.85rem;
    color: var(--text-muted);
    text-align: center;
}

/* Gap Alert */
.gap-alert {
    display: flex;
    gap: 15px;
    padding: 20px;
    background: #fef2f2;
    border-radius: var(--border-radius-sm);
    border-left: 4px solid var(--danger-color);
    margin-bottom: 25px;
}

.alert-icon {
    font-size: 1.5rem;
}

.alert-content strong {
    display: block;
    color: var(--danger-color);
    margin-bottom: 8px;
}

.alert-content p {
    font-size: 0.95rem;
    color: #991b1b;
}

/* Action Steps */
.action-steps {
    background: var(--bg-secondary);
    padding: 25px;
    border-radius: var(--border-radius);
}

.action-steps h4 {
    margin-bottom: 15px;
}

.action-steps ol {
    padding-left: 20px;
}

.action-steps li {
    margin-bottom: 15px;
    padding-left: 10px;
}

.action-steps li strong {
    color: var(--text-primary);
}

.action-steps li p {
    font-size: 0.9rem;
    color: var(--text-secondary);
    margin-top: 4px;
}

/* CTA Section */
.cta-section {
    text-align: center;
    padding: 30px;
    background: linear-gradient(135deg, var(--primary-light), #ddd6fe);
    border-radius: var(--border-radius);
    margin-bottom: 30px;
}

.btn-cta {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    color: white;
    padding: 18px 40px;
    font-size: 1.1rem;
}

.btn-cta:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

/* Related Section */
.related-section {
    margin-bottom: 30px;
}

.related-section h4 {
    margin-bottom: 15px;
}

.related-section ul {
    list-style: none;
}

.related-section li {
    margin-bottom: 10px;
}

.related-section a {
    color: var(--secondary-color);
    text-decoration: none;
    font-weight: 500;
}

.related-section a:hover {
    text-decoration: underline;
}

/* Disclaimer */
.disclaimer {
    padding: 20px;
    background: #fffbeb;
    border-radius: var(--border-radius-sm);
    border: 1px solid #fcd34d;
    margin-bottom: 30px;
}

.disclaimer p {
    font-size: 0.85rem;
    color: #92400e;
    line-height: 1.6;
}

/* Results Actions */
.results-actions {
    display: flex;
    justify-content: center;
    gap: 15px;
    flex-wrap: wrap;
}

.btn-download {
    background: var(--secondary-color);
    color: white;
}

.btn-recalculate {
    background: var(--bg-tertiary);
    color: var(--text-secondary);
}

/* Footer */
.calculator-footer {
    padding: 35px 30px;
    background: #1f2937;
    text-align: center;
    border-top: none;
    margin-top: 0;
}

.calculator-footer p {
    font-size: 0.95rem;
    color: #9ca3af;
    margin-bottom: 12px;
    font-weight: 500;
}

.footer-links {
    font-size: 0.9rem;
    margin-top: 12px;
}

.footer-links a {
    color: #d1d5db;
    text-decoration: none;
    padding: 5px 12px;
    transition: all 0.3s ease;
    border-radius: 4px;
}

.footer-links a:hover {
    color: var(--primary-color);
    background: rgba(16, 185, 129, 0.1);
}

.footer-links span {
    color: #6b7280;
    margin: 0 8px;
}

/* Admin Panel */
.admin-panel {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--bg-primary);
    z-index: 1000;
    overflow-y: auto;
    padding: 30px;
}

.admin-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 30px;
    padding-bottom: 20px;
    border-bottom: 2px solid var(--border-color);
}

.admin-header h2 {
    font-size: 1.5rem;
}

.btn-close {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--bg-tertiary);
    font-size: 1.5rem;
    line-height: 1;
}

.admin-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 30px;
}

.stat-card {
    background: linear-gradient(135deg, var(--primary-light), white);
    padding: 25px;
    border-radius: var(--border-radius);
    text-align: center;
    border: 1px solid var(--primary-color);
}

.stat-value {
    display: block;
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary-color);
}

.stat-label {
    font-size: 0.9rem;
    color: var(--text-secondary);
}

.admin-actions {
    display: flex;
    gap: 15px;
    margin-bottom: 25px;
}

.btn-export {
    background: var(--primary-color);
    color: white;
}

.btn-clear {
    background: var(--danger-color);
    color: white;
}

.admin-table-container {
    overflow-x: auto;
}

.admin-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
}

.admin-table th,
.admin-table td {
    padding: 12px 15px;
    text-align: left;
    border-bottom: 1px solid var(--border-color);
}

.admin-table th {
    background: var(--bg-secondary);
    font-weight: 600;
    color: var(--text-primary);
}

.admin-table tr:hover {
    background: var(--bg-secondary);
}

.admin-empty {
    text-align: center;
    padding: 60px 20px;
    color: var(--text-muted);
}

/* Modal */
.modal {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.5);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 1001;
}

.modal-content {
    background: white;
    padding: 30px;
    border-radius: var(--border-radius);
    max-width: 400px;
    width: 90%;
    text-align: center;
}

.modal-content h3 {
    margin-bottom: 10px;
}

.modal-content p {
    color: var(--text-secondary);
    margin-bottom: 20px;
}

.modal-content input {
    width: 100%;
    padding: 12px;
    border: 2px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
    margin-bottom: 20px;
}

.modal-actions {
    display: flex;
    gap: 10px;
    justify-content: center;
}

.btn-cancel {
    background: var(--bg-tertiary);
    color: var(--text-secondary);
}

.btn-confirm {
    background: var(--primary-color);
    color: white;
}

.password-hint {
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-top: 15px;
}

/* Responsive Design */
@media (max-width: 768px) {
    body {
        padding: 10px;
    }

    .calculator-header {
        padding: 30px 20px;
    }

    .calculator-header h1 {
        font-size: 1.4rem;
    }

    .features {
        flex-direction: column;
        gap: 8px;
    }

    .progress-container {
        padding: 20px;
    }

    .step span {
        display: none;
    }

    .form-step {
        padding: 20px;
    }

    .results-cards {
        grid-template-columns: 1fr;
    }

    .card-value {
        font-size: 1.3rem;
    }

    .coverage-tiers {
        grid-template-columns: 1fr;
    }

    .tier.recommended {
        order: -1;
    }

    .admin-stats {
        grid-template-columns: 1fr;
    }

    .admin-table {
        font-size: 0.8rem;
    }

    .admin-table th,
    .admin-table td {
        padding: 8px 10px;
    }
}

@media (max-width: 480px) {
    .radio-group {
        flex-direction: column;
        gap: 12px;
    }

    .button-select {
        justify-content: center;
    }

    .select-btn {
        padding: 10px 18px;
        font-size: 0.9rem;
    }

    .children-inputs {
        flex-direction: column;
    }

    .form-navigation {
        flex-direction: column;
    }

    .btn-next,
    .btn-calculate {
        margin-left: 0;
    }

    .total-coverage-box .value,
    .final-need-box .value,
    .freedom-number-box .value {
        font-size: 2rem;
    }
}

/* ============================================
   Enhanced Disclaimer Styles
   ============================================ */

.disclaimer {
    background: #fef3c7;
    border: 2px solid #f59e0b;
    border-radius: var(--border-radius);
    padding: 20px;
    margin: 20px 0;
    font-size: 0.85rem;
    line-height: 1.6;
}

.disclaimer strong {
    color: var(--warning-color);
    display: block;
    margin-top: 12px;
}

.disclaimer strong:first-child {
    margin-top: 0;
}

.disclaimer-date {
    margin-top: 12px;
    font-style: italic;
    color: var(--text-muted);
}

.footer-disclaimer {
    text-align: center;
    padding: 30px 25px;
    background: linear-gradient(135deg, #1f2937 0%, #111827 100%);
    border-top: 4px solid var(--primary-color);
    font-size: 0.9rem;
    color: #d1d5db;
    line-height: 1.6;
}

.footer-disclaimer p {
    margin: 0;
    max-width: 900px;
    margin: 0 auto;
}

.footer-disclaimer small {
    font-size: 0.9rem;
    opacity: 0.95;
}

/* ============================================
   FAQ Section Styles
   ============================================ */

.faq-section {
    padding: 50px 30px;
    background: linear-gradient(135deg, #f9fafb 0%, #f3f4f6 100%);
    margin-top: 40px;
    border-top: 3px solid var(--primary-color);
}

.faq-section h2 {
    color: var(--text-primary);
    margin-bottom: 35px;
    font-size: 2rem;
    font-weight: 800;
    text-align: center;
    position: relative;
    padding-bottom: 15px;
}

.faq-section h2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 4px;
    background: linear-gradient(90deg, var(--primary-color), var(--primary-color));
    border-radius: 2px;
}

.faq-item {
    background: white;
    padding: 28px 32px;
    margin-bottom: 20px;
    border-radius: 12px;
    border-left: 5px solid var(--primary-color);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
    transition: all 0.3s ease;
}

.faq-item:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(225, 52, 30, 0.15);
    border-left-color: var(--accent-color);
}

.faq-item h3 {
    color: var(--text-primary);
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 12px;
    line-height: 1.5;
    display: flex;
    align-items: flex-start;
}

.faq-item h3::before {
    content: '●';
    color: var(--primary-color);
    font-size: 1.5rem;
    margin-right: 12px;
    flex-shrink: 0;
    line-height: 1.3;
}

.faq-item p {
    color: var(--text-secondary);
    line-height: 1.8;
    margin: 0;
    font-size: 1.05rem;
    padding-left: 28px;
}

/* ============================================
   Monte Carlo Simulation Styles
   ============================================ */

.monte-carlo-section {
    background: linear-gradient(135deg, #e0f7fb 0%, #f0f9ff 100%) !important;
    border: 2px solid var(--primary-color) !important;
}

.monte-carlo-summary {
    text-align: center;
    margin-bottom: 30px;
}

.simulation-badge {
    display: inline-block;
    background: var(--primary-color);
    color: white;
    padding: 8px 20px;
    border-radius: 20px;
    font-weight: 600;
    font-size: 0.9rem;
    margin-bottom: 15px;
}

.monte-carlo-description {
    color: var(--text-secondary);
    max-width: 700px;
    margin: 0 auto;
    line-height: 1.6;
}

.monte-carlo-metric {
    background: white;
    padding: 25px;
    border-radius: var(--border-radius);
    margin-bottom: 25px;
    box-shadow: var(--shadow);
}

.monte-carlo-metric h4 {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 20px;
    border-bottom: 2px solid var(--primary-color);
    padding-bottom: 10px;
}

/* Confidence Intervals */
.confidence-intervals {
    margin: 25px 0;
}

.interval-bar {
    margin-bottom: 20px;
}

.interval-label {
    font-weight: 600;
    color: var(--text-secondary);
    margin-bottom: 10px;
    font-size: 0.9rem;
}

.interval-visual {
    position: relative;
    height: 40px;
    background: #e5e7eb;
    border-radius: 20px;
    margin: 15px 0;
}

.interval-fill {
    position: absolute;
    height: 100%;
    background: linear-gradient(90deg, #7dd8e6, var(--primary-color));
    border-radius: 20px;
    left: 10%;
    width: 80%;
}

.marker {
    position: absolute;
    width: 4px;
    height: 100%;
    background: var(--text-primary);
    top: 0;
}

.marker.p10 {
    left: 10%;
    background: #f59e0b;
}

.marker.median {
    left: 50%;
    background: var(--primary-color);
    width: 6px;
}

.marker.p90 {
    left: 90%;
    background: #ef4444;
}

.interval-values {
    display: flex;
    justify-content: space-between;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-primary);
}

/* Stats Grid */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 15px;
    margin: 25px 0;
}

.stat-box {
    background: var(--bg-secondary);
    padding: 20px;
    border-radius: var(--border-radius-sm);
    text-align: center;
    border: 2px solid var(--border-color);
    transition: var(--transition);
}

.stat-box:hover {
    border-color: var(--primary-color);
    transform: translateY(-2px);
}

.stat-label {
    display: block;
    font-size: 0.85rem;
    color: var(--text-secondary);
    font-weight: 600;
    margin-bottom: 8px;
}

.stat-value {
    display: block;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
}

/* Histogram */
.histogram-container {
    margin: 30px 0;
    text-align: center;
}

.histogram-container canvas {
    max-width: 100%;
    height: auto;
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius-sm);
    background: white;
}

.chart-caption {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 10px;
}

/* Probability of Success */
.success-probability {
    background: white;
    padding: 30px;
    border-radius: var(--border-radius);
    margin: 25px 0;
    box-shadow: var(--shadow);
}

.success-probability h4 {
    font-size: 1.25rem;
    font-weight: 700;
    text-align: center;
    margin-bottom: 30px;
    color: var(--text-primary);
}

.probability-comparison {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
}

.prob-card {
    text-align: center;
    padding: 20px;
    background: var(--bg-secondary);
    border-radius: var(--border-radius);
    border: 2px solid var(--border-color);
}

.prob-card.highlight {
    background: #e0f7fb;
    border-color: var(--primary-color);
}

.prob-label {
    display: block;
    font-weight: 600;
    font-size: 0.95rem;
    color: var(--text-primary);
    margin-bottom: 20px;
}

.prob-circle {
    width: 120px;
    height: 120px;
    border-radius: 50%;
    margin: 0 auto 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 8px solid var(--border-color);
    background: white;
    transition: var(--transition);
}

.prob-circle.low {
    border-color: #ef4444;
}

.prob-circle.medium {
    border-color: #f59e0b;
}

.prob-circle.high {
    border-color: var(--primary-color);
}

.prob-value {
    font-size: 2rem;
    font-weight: 700;
    color: var(--text-primary);
}

.prob-description {
    display: block;
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.5;
}

/* Monte Carlo Insights */
.monte-carlo-insights {
    background: var(--bg-secondary);
    padding: 25px;
    border-radius: var(--border-radius);
    margin: 25px 0;
}

.monte-carlo-insights h4 {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 15px;
    color: var(--text-primary);
}

.monte-carlo-insights ul {
    list-style: none;
    padding: 0;
}

.monte-carlo-insights li {
    padding: 12px 0;
    border-bottom: 1px solid var(--border-color);
    color: var(--text-primary);
    line-height: 1.6;
}

.monte-carlo-insights li:last-child {
    border-bottom: none;
}

/* Detailed Stats Table */
.stats-table {
    width: 100%;
    border-collapse: collapse;
    margin: 20px 0;
    background: white;
    border-radius: var(--border-radius-sm);
    overflow: hidden;
    box-shadow: var(--shadow);
}

.stats-table thead {
    background: var(--primary-color);
    color: white;
}

.stats-table th,
.stats-table td {
    padding: 12px 15px;
    text-align: left;
    border-bottom: 1px solid var(--border-color);
}

.stats-table th {
    font-weight: 600;
    font-size: 0.9rem;
}

.stats-table td {
    font-size: 0.95rem;
}

.stats-table tbody tr:hover {
    background: var(--bg-secondary);
}

/* Methodology Note */
.methodology-note {
    background: #fffbeb;
    padding: 20px;
    border-left: 4px solid #f59e0b;
    margin-top: 25px;
    border-radius: var(--border-radius-sm);
}

.methodology-note h5 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--text-primary);
}

.methodology-note p {
    color: var(--text-secondary);
    margin-bottom: 10px;
}

.methodology-note ul {
    margin-left: 20px;
    color: var(--text-secondary);
}

.methodology-note li {
    margin-bottom: 8px;
    line-height: 1.5;
}

/* Collapsible Sections */
.detailed-stats {
    margin-top: 20px;
    padding: 20px;
    background: white;
    border-radius: var(--border-radius);
    border: 2px solid var(--border-color);
}

.detailed-stats.hidden {
    display: none;
}

.monte-carlo-details-toggle {
    text-align: center;
    margin: 20px 0;
}

.btn-secondary {
    background: white;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
    padding: 12px 24px;
    border-radius: var(--border-radius-sm);
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
}

.btn-secondary:hover {
    background: var(--primary-color);
    color: white;
}

/* Responsive Design */
@media (max-width: 768px) {
    .stats-grid {
        grid-template-columns: 1fr;
    }

    .probability-comparison {
        grid-template-columns: 1fr;
    }

    .histogram-container canvas {
        width: 100%;
    }

    .stats-table {
        font-size: 0.85rem;
    }

    .stats-table th,
    .stats-table td {
        padding: 8px 10px;
    }

    .prob-circle {
        width: 100px;
        height: 100px;
    }

    .prob-value {
        font-size: 1.5rem;
    }
}

/* ============================================
   Quote System CTA Section
   ============================================ */

.cta-section {
    margin: 40px 0;
    padding: 0;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    border-radius: var(--border-radius);
    overflow: hidden;
}

.cta-content {
    padding: 50px 40px;
    text-align: center;
    color: white;
}

.cta-content h2 {
    font-size: 2rem;
    font-weight: 800;
    color: white;
    margin-bottom: 15px;
}

.cta-content p {
    font-size: 1.15rem;
    color: rgba(255, 255, 255, 0.95);
    margin-bottom: 25px;
    line-height: 1.6;
}

.cta-features {
    list-style: none;
    padding: 0;
    margin: 30px auto;
    max-width: 700px;
    text-align: left;
}

.cta-features li {
    padding: 10px 0;
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.95);
    line-height: 1.6;
}

.cta-content .btn-large {
    margin-top: 20px;
    background: white;
    color: var(--primary-color);
    font-size: 1.2rem;
    padding: 18px 45px;
    border-radius: var(--border-radius-sm);
    font-weight: 700;
    transition: var(--transition);
}

.cta-content .btn-large:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.3);
    background: #e0f7fb;
}

@media (max-width: 768px) {
    .cta-content {
        padding: 35px 25px;
    }

    .cta-content h2 {
        font-size: 1.5rem;
    }

    .cta-content p {
        font-size: 1rem;
    }

    .cta-features li {
        font-size: 0.95rem;
    }

    .cta-content .btn-large {
        font-size: 1rem;
        padding: 14px 30px;
        width: 100%;
    }
}

/* ============================================
   PDF Progress Modal Styles
   ============================================ */
#pdf-progress-modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 10000;
}

.modal-overlay {
    background: rgba(0, 0, 0, 0.7);
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(3px);
}

.modal-content {
    background: white;
    padding: 40px;
    border-radius: 12px;
    text-align: center;
    min-width: 320px;
    max-width: 90%;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
}

.modal-content h3 {
    margin: 0 0 10px 0;
    font-size: 1.4rem;
    color: var(--text-color, #1f2937);
}

.modal-content p {
    margin: 0 0 20px 0;
    color: #6b7280;
    font-size: 0.95rem;
}

.spinner {
    border: 4px solid #f3f3f3;
    border-top: 4px solid var(--primary-color, #10b981);
    border-radius: 50%;
    width: 50px;
    height: 50px;
    animation: spin 1s linear infinite;
    margin: 0 auto 20px;
}

@keyframes spin {
    0% { transform: rotate(0deg); }
    100% { transform: rotate(360deg); }
}

.progress-bar {
    width: 100%;
    height: 24px;
    background: #f3f3f3;
    border-radius: 12px;
    overflow: hidden;
    margin-top: 15px;
    box-shadow: inset 0 2px 4px rgba(0, 0, 0, 0.1);
}

#progress-fill {
    height: 100%;
    background: linear-gradient(90deg, #10b981, #059669);
    transition: width 0.3s ease;
    box-shadow: 0 2px 8px rgba(16, 185, 129, 0.4);
}