@import url('https://fonts.googleapis.com/css2?family=Albert+Sans:wght@300;400;500;600&display=swap');
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Albert Sans',sans-serif;background:#FFFEFB;color:#0A0A0A;min-height:100vh}
.app{max-width:960px;margin:0 auto;padding:2rem 1.6rem}
.header{display:flex;align-items:center;justify-content:space-between;margin-bottom:2rem;padding-bottom:1.25rem;border-bottom:1px solid #E0DED8}
.eyebrow{font-size:13px;letter-spacing:.22em;text-transform:uppercase;color:#888;margin-bottom:.3rem}
h1{font-size:28px;font-weight:300;letter-spacing:-.01em}
.badge{background:#22382E;color:#fff;font-size:14px;font-weight:500;padding:5px 13px;border-radius:20px}
.header-right{display:flex;align-items:center;gap:12px;flex-wrap:wrap;justify-content:flex-end}
.user-switch{display:inline-flex;background:#F0EEE8;border-radius:8px;padding:3px;gap:2px}
.us-btn{background:none;border:none;font-family:'Albert Sans',sans-serif;font-size:15px;color:#888;padding:6px 15px;border-radius:6px;cursor:pointer;font-weight:500;transition:all .15s}
.us-btn:hover:not(.active){color:#0A0A0A}
.us-btn.active{background:#22382E;color:#fff}
.land-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.land-card{background:#fff;border:1px solid #E0DED8;border-radius:12px;padding:1.25rem 1.4rem;animation:fadeIn .34s ease both;transition:box-shadow .25s,border-color .25s}
.land-card.cur{border-color:#22382E;box-shadow:0 0 0 3px #EEF4F1}
.land-head{display:flex;align-items:flex-start;justify-content:space-between;gap:10px;margin-bottom:1rem}
.land-eyebrow{font-size:13px;letter-spacing:.17em;text-transform:uppercase;color:#888;margin-bottom:3px}
.land-name{font-size:22px;font-weight:300}
.land-open{background:#fff;color:#22382E;border:1.5px solid #22382E;border-radius:7px;font-family:'Albert Sans',sans-serif;font-size:14px;font-weight:500;padding:6px 12px;cursor:pointer;white-space:nowrap}
.land-open:hover{background:#22382E;color:#fff}
.land-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-bottom:.85rem}
.ls-lbl{font-size:13px;color:#888;margin-bottom:2px}
.ls-val{font-size:18px;font-weight:300}
.land-bar{height:6px;background:#F0EEE8;border-radius:4px;overflow:hidden;margin-bottom:1rem}
.land-bar-fill{height:100%;background:#22382E;border-radius:4px;transition:width .3s}
.land-list{display:flex;flex-direction:column}
.land-item{display:flex;align-items:center;gap:10px;padding:9px 8px;border-radius:7px;cursor:pointer;transition:background .15s}
.land-item:hover{background:#F8F9F4}
.land-check{width:20px;height:20px;border-radius:50%;border:1.5px solid #D8D6D0;background:#fff;color:#fff;font-size:14px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.land-check.on{background:#22382E;border-color:#22382E}
.land-item-label{font-size:16px;color:#0A0A0A;flex:1}
.land-item-detail{font-size:14px;color:#aaa}
.land-item-detail.done{color:#22382E}
.land-forms{margin-top:1rem;border-top:1px solid #F0EEE8;padding-top:.9rem}
.land-forms-lbl{font-size:13px;letter-spacing:.15em;text-transform:uppercase;color:#888;margin-bottom:.5rem}
.land-form{display:flex;align-items:center;gap:10px;padding:7px 8px;border-radius:7px;cursor:pointer;transition:background .15s}
.land-form:hover{background:#F8F9F4}
.lf-code{font-size:14px;font-weight:700;letter-spacing:.03em;color:#22382E;background:#EEF4F1;border-radius:5px;padding:4px 9px;min-width:62px;text-align:center;flex-shrink:0}
.lf-name{font-size:15px;color:#0A0A0A;flex:1}
.lf-status{font-size:14px;font-weight:500;white-space:nowrap}
.lf-status.req{color:#22382E}
.lf-status.cond{color:#9A6C00}
.lf-status.none{color:#aaa}
@media(max-width:640px){.land-grid{grid-template-columns:1fr}}
.tabs{display:flex;border-bottom:1px solid #E0DED8;margin-bottom:2rem;overflow-x:auto;gap:4px;padding:0 2px}
.tab{background:none;border:none;font-family:'Albert Sans',sans-serif;font-size:15px;color:#888;padding:10px 18px;cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px;white-space:nowrap;transition:all .2s;border-radius:6px 6px 0 0}
.tab.active{color:#0A0A0A;border-bottom-color:#22382E;font-weight:500;background:#F8F9F4}
.tab.done{color:#22382E}
.tab.done::after{content:' checkmark';font-size:13px}
.tab:hover:not(.active){color:#444;background:#F8F9F4}
.page{display:none}
.page.on{display:block;animation:pageIn .34s cubic-bezier(.22,.61,.36,1) both}
@keyframes pageIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
@keyframes fadeIn{from{opacity:0;transform:translateY(5px)}to{opacity:1;transform:none}}
.page-title{font-size:23px;font-weight:300;margin-bottom:.35rem}
.page-sub{font-size:16px;color:#666;margin-bottom:1.75rem;line-height:1.5}
.card{background:#fff;border:1px solid #E0DED8;border-radius:12px;padding:1.25rem 1.4rem;margin-bottom:1rem}
.card.hi{border-color:#22382E}
.card-label{font-size:13px;letter-spacing:.17em;text-transform:uppercase;color:#888;margin-bottom:.9rem}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem;margin-bottom:1rem}
.fg{margin-bottom:.85rem}
.fg label{display:block;font-size:15px;color:#555;margin-bottom:4px}
.fg input,.fg select{width:100%;padding:12px 14px;border:1px solid #D8D6D0;border-radius:8px;font-family:'Albert Sans',sans-serif;font-size:17px;color:#0A0A0A;background:#FFFEFB;outline:none;transition:border-color .2s}
.fg input:focus,.fg select:focus{border-color:#22382E}
.fg input::placeholder{color:#ccc}
.alert{border-radius:0 8px 8px 0;padding:13px 16px;font-size:16px;margin-bottom:1.25rem;line-height:1.6}
.alert.green{background:#EEF4F1;border-left:3px solid #22382E;color:#1A3828}
.alert.amber{background:#FFFBF0;border-left:3px solid #C9960A;color:#7A5A00}
.alert.red{background:#FFF5F5;border-left:3px solid #C0392B;color:#7A1A1A}
.alert.blue{background:#F0F4FF;border-left:3px solid #3A62C0;color:#1A2A6A}
.btn-primary{background:#22382E;color:#fff;border:none;border-radius:8px;font-family:'Albert Sans',sans-serif;font-size:17px;font-weight:500;padding:12px 22px;cursor:pointer;transition:background .2s}
.btn-primary:hover{background:#1A2C24}
.btn-primary:disabled{background:#ccc;cursor:not-allowed}
.btn-primary.full{width:100%}
.btn-outline{background:#fff;color:#22382E;border:1.5px solid #22382E;border-radius:8px;font-family:'Albert Sans',sans-serif;font-size:16px;font-weight:500;padding:10px 20px;cursor:pointer}
.btn-outline:hover{background:#F2F7F4}
.btn-ghost{background:none;border:1px solid #D8D6D0;border-radius:8px;font-family:'Albert Sans',sans-serif;font-size:16px;color:#555;padding:10px 20px;cursor:pointer}
.btn-ghost:hover{border-color:#0A0A0A;color:#0A0A0A}
.btn-sm{font-size:15px;padding:7px 14px;border-radius:6px}
.nav{display:flex;gap:10px;margin-top:2rem;padding-top:1.25rem;border-top:1px solid #E0DED8;align-items:center}
.nav .sp{flex:1}
.ai-out{background:#F8F9F4;border:1px solid #D8D6D0;border-radius:12px;padding:1.25rem;margin-top:1.25rem;font-size:16px;line-height:1.7;display:none;white-space:pre-wrap}
.ai-out.on{display:block;animation:fadeIn .3s ease both}
.dots span{display:inline-block;width:6px;height:6px;background:#22382E;border-radius:50%;margin:0 2px;animation:bo 1.2s infinite}
.dots span:nth-child(2){animation-delay:.2s}
.dots span:nth-child(3){animation-delay:.4s}
@keyframes bo{0%,80%,100%{transform:translateY(0)}40%{transform:translateY(-6px)}}
.year-banner{background:#22382E;color:#fff;border-radius:10px;padding:.9rem 1.25rem;display:flex;align-items:center;justify-content:space-between;margin-bottom:1.5rem;flex-wrap:wrap;gap:.75rem}
.year-banner-lbl{font-size:15px;opacity:.75}
.year-controls{display:flex;align-items:center;gap:10px}
.year-display{font-size:25px;font-weight:300}
.year-btn{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:6px;font-family:'Albert Sans',sans-serif;font-size:15px;padding:4px 12px;cursor:pointer}
.year-btn:hover{background:rgba(255,255,255,.25)}
.first-ret{display:flex;align-items:center;gap:7px;font-size:15px;opacity:.85;cursor:pointer}
.first-ret input{accent-color:#fff;width:14px;height:14px}
.res-note{font-size:13px;opacity:.6;margin-top:2px}
.step{margin-bottom:2rem}
.step-header{display:flex;align-items:center;gap:12px;margin-bottom:1rem}
.step-num{width:28px;height:28px;border-radius:50%;background:#22382E;color:#fff;font-size:15px;font-weight:500;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.step-num.done{background:#EEF4F1;color:#22382E;font-size:18px}
.step-title{font-size:18px;font-weight:400}
.step-sub{font-size:15px;color:#888;margin-top:2px}
.drop-zone{border:2px dashed #C8C6C0;border-radius:12px;padding:2rem;text-align:center;transition:all .2s;background:#FDFCF8;position:relative;cursor:pointer}
.drop-zone.over{border-color:#22382E;background:#EEF4F1}
.drop-zone.done-state{border-style:solid;border-color:#22382E;background:#EEF4F1;padding:1rem}
.drop-zone input{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%;height:100%}
.drop-icon{font-size:30px;color:#22382E;margin-bottom:.5rem}
.drop-title{font-size:17px;font-weight:500;margin-bottom:.2rem}
.drop-hint{font-size:15px;color:#888}
.drop-done-msg{display:flex;align-items:center;gap:8px;font-size:16px;color:#22382E;font-weight:500}
.spin{width:14px;height:14px;border:2px solid #C8D8D0;border-top-color:#22382E;border-radius:50%;animation:sp .8s linear infinite;flex-shrink:0}
@keyframes sp{to{transform:rotate(360deg)}}
.proc{display:flex;align-items:center;gap:8px;font-size:15px;color:#22382E;padding:.5rem 0}
.acc-table{width:100%;border-collapse:collapse;margin-bottom:1rem;font-size:15px}
.acc-table th{text-align:left;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:#888;padding:6px 8px;border-bottom:1px solid #E0DED8;white-space:nowrap}
.acc-table td{padding:9px 8px;border-bottom:1px solid #F0EEE8;vertical-align:top}
.acc-table tr:last-child td{border-bottom:none}
.acc-table tr.excl td{opacity:.35}
.iban-main{font-weight:500;margin-bottom:1px}
.iban-sub{font-size:13px;color:#888}
.bal{font-size:14px;color:#555;white-space:nowrap}
.fticks{display:flex;flex-direction:column;gap:4px}
.ftick{display:inline-flex;align-items:center;gap:4px;font-size:13px;font-weight:600;padding:3px 7px;border-radius:5px;border:1px solid;max-width:160px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.ftick.ok-pdf{background:#FFF5F5;border-color:#C0392B;color:#C0392B}
.ftick.ok-csv{background:#EEF4F1;border-color:#22382E;color:#22382E}
.ftick.miss{background:#F8F6F2;border-color:#E0DED8;color:#aaa;font-weight:400;position:relative;cursor:pointer}
.ftick.miss-tag{background:#FFF5F5;border-color:#F5C0C0;color:#C0392B;font-weight:500;cursor:default}
.ftick.miss input{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%;height:100%}
.ftick-rm{background:none;border:none;color:inherit;cursor:pointer;font-size:13px;padding:0 0 0 2px;opacity:.5}
.ftick-rm:hover{opacity:1}
.qa-badge{display:inline-flex;align-items:center;gap:4px;font-size:13px;font-weight:600;padding:3px 7px;border-radius:5px;white-space:nowrap}
.qa-ok{background:#EEF4F1;color:#22382E;border:1px solid #C8D8D0}
.qa-warn{background:#FFFBF0;color:#9A6C00;border:1px solid #E8C97A}
.qa-error{background:#FFF5F5;color:#C0392B;border:1px solid #F5C0C0}
.qa-pending{background:#F8F6F2;color:#aaa;border:1px solid #E0DED8}
.qa-detail{font-size:13px;margin-top:3px;line-height:1.4}
.qa-detail.err{color:#C0392B}
.qa-detail.warn{color:#9A6C00}
.notes-in{width:100%;padding:5px 7px;border:1px solid #E0DED8;border-radius:5px;font-family:'Albert Sans',sans-serif;font-size:14px;color:#0A0A0A;background:#FDFCF8;outline:none;resize:none}
.notes-in:focus{border-color:#22382E}
.notes-in::placeholder{color:#ccc}
.personal-chk{accent-color:#22382E;width:15px;height:15px;cursor:pointer}
.del-btn{background:none;border:none;color:#D8D6D0;cursor:pointer;font-size:20px;padding:2px;line-height:1}
.del-btn:hover{color:#C0392B}
.stmt-drop{border:2px dashed #C8C6C0;border-radius:10px;padding:1.25rem 2rem;text-align:center;transition:all .2s;background:#FDFCF8;position:relative;cursor:pointer;margin-bottom:.75rem}
.stmt-drop.over{border-color:#22382E;background:#EEF4F1}
.stmt-drop input{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%;height:100%}
.review-tray{background:#FFFBF0;border:1px solid #E8C97A;border-radius:10px;overflow:hidden;margin-bottom:1rem}
.review-tray-header{background:#FDF5E0;border-bottom:1px solid #E8C97A;padding:.75rem 1rem;display:flex;align-items:center;justify-content:space-between}
.review-tray-title{font-size:15px;font-weight:500;color:#7A5A00}
.review-tray-sub{font-size:14px;color:#9A6C00;margin-top:1px}
.skip-all-btn{font-size:14px;font-weight:500;color:#9A6C00;background:none;border:1px solid #E8C97A;border-radius:5px;padding:4px 10px;cursor:pointer;font-family:'Albert Sans',sans-serif}
.review-item{border-bottom:1px solid #F5E9C0;padding:.9rem 1rem}
.review-item:last-child{border-bottom:none}
.review-item.resolved{background:#F8FCF8;border-left:3px solid #22382E}
.review-item.skipped{opacity:.45}
.ri-top{display:flex;align-items:flex-start;gap:10px;margin-bottom:.75rem}
.ri-icon{width:32px;height:32px;border-radius:6px;background:#FDF0C0;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0;border:1px solid #E8C97A;color:#9A6C00;font-weight:600}
.ri-icon.resolved{background:#EEF4F1;border-color:#22382E;color:#22382E}
.ri-info{flex:1}
.ri-filename{font-size:15px;font-weight:500;color:#0A0A0A;word-break:break-all}
.ri-meta{font-size:14px;color:#888;margin-top:2px;line-height:1.5}
.ri-meta span{display:inline-block;margin-right:10px}
.ri-what{font-size:14px;color:#9A6C00;margin-top:3px}
.ri-what.resolved{color:#22382E}
.ri-actions{display:flex;gap:6px;flex-wrap:wrap}
.ri-select{padding:6px 10px;border:1px solid #D8D6D0;border-radius:6px;font-family:'Albert Sans',sans-serif;font-size:14px;color:#0A0A0A;background:#fff;outline:none;cursor:pointer;max-width:220px}
.btn-assign{background:#22382E;color:#fff;border:none;border-radius:6px;font-family:'Albert Sans',sans-serif;font-size:14px;font-weight:500;padding:6px 12px;cursor:pointer}
.btn-assign:disabled{background:#ccc;cursor:not-allowed}
.btn-new-acc{background:#fff;color:#22382E;border:1px solid #22382E;border-radius:6px;font-family:'Albert Sans',sans-serif;font-size:14px;font-weight:500;padding:6px 12px;cursor:pointer}
.btn-skip{background:none;color:#aaa;border:1px solid #E0DED8;border-radius:6px;font-family:'Albert Sans',sans-serif;font-size:14px;padding:6px 12px;cursor:pointer}
.new-acc-form{background:#fff;border:1px solid #C8D8D0;border-radius:7px;padding:.75rem;margin-top:.6rem}
.new-acc-form .row{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;margin-bottom:.5rem}
.new-acc-form input,.new-acc-form select{width:100%;padding:6px 9px;border:1px solid #D8D6D0;border-radius:6px;font-family:'Albert Sans',sans-serif;font-size:15px;color:#0A0A0A;background:#fff;outline:none}
.new-acc-form input::placeholder{color:#ccc}
.proceed-bar{background:#F2F6F4;border:1px solid #C8D8D0;border-radius:8px;padding:.75rem 1rem;display:flex;align-items:center;justify-content:space-between;gap:.75rem;margin-bottom:1rem;flex-wrap:wrap}
.proceed-bar-txt{font-size:15px;color:#22382E}
.proceed-btn{background:#22382E;color:#fff;border:none;border-radius:6px;font-family:'Albert Sans',sans-serif;font-size:15px;font-weight:500;padding:8px 18px;cursor:pointer}
.qa-summary{border-radius:8px;padding:.75rem 1rem;margin-bottom:1rem;font-size:15px;line-height:1.5}
.qa-summary.ok{background:#EEF4F1;border:1px solid #C8D8D0;color:#1A3828}
.qa-summary.err{background:#FFF5F5;border:1px solid #F5C0C0;color:#7A1A1A}
.qa-summary.warn{background:#FFFBF0;border:1px solid #E8C97A;color:#7A5A00}
.inc-table{width:100%;border-collapse:collapse;font-size:16px;margin-bottom:1.25rem}
.inc-table th{text-align:left;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:#888;padding:8px 10px;border-bottom:1px solid #E0DED8}
.inc-table td{padding:12px 10px;border-bottom:1px solid #F0EEE8;vertical-align:middle}
.inc-table tr:last-child td{border-bottom:none}
.box-ref{display:inline-block;background:#EEF4F1;color:#22382E;font-size:13px;font-weight:700;padding:2px 7px;border-radius:4px;letter-spacing:.07em}
.num-in{padding:11px 13px;border:1px solid #D8D6D0;border-radius:7px;font-family:'Albert Sans',sans-serif;font-size:17px;text-align:right;background:#FFFEFB;outline:none;width:130px;transition:border-color .2s}
.num-in:focus{border-color:#22382E}
.ded-row{display:flex;align-items:flex-start;gap:12px;padding:13px 0;border-bottom:1px solid #F0EEE8}
.ded-row:last-child{border-bottom:none}
.ded-chk{width:20px;height:20px;border:1.5px solid #C8C6C0;border-radius:5px;cursor:pointer;flex-shrink:0;display:flex;align-items:center;justify-content:center;background:#fff;transition:all .15s;margin-top:2px}
.ded-chk.on{background:#22382E;border-color:#22382E}
.ded-chk.on::after{content:'ok';color:#fff;font-size:14px}
.sum-band{background:#22382E;color:#fff;border-radius:12px;padding:1.25rem 1.5rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;margin-bottom:1.25rem}
.sum-band .lbl{font-size:14px;opacity:.65;margin-bottom:3px}
.sum-band .val{font-size:23px;font-weight:300}
.box-grid{display:grid;grid-template-columns:1fr 1fr;gap:.85rem;margin-bottom:1.25rem}
.f-box{background:#fff;border:1px solid #E0DED8;border-radius:10px;padding:1.1rem}
.f-box.hi{border-color:#22382E;background:#F2F6F4}
.f-box.warn{border-color:#E8C97A;background:#FFFBF0}
.f-box-ref{font-size:13px;font-weight:700;letter-spacing:.12em;color:#22382E;text-transform:uppercase;margin-bottom:3px}
.f-box.warn .f-box-ref{color:#9A6C00}
.f-box-desc{font-size:15px;color:#555;margin-bottom:7px}
.f-box-val{font-size:22px;font-weight:300}
.plan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.9rem;margin-bottom:1.5rem}
.plan-card{background:#fff;border:1px solid #E0DED8;border-radius:10px;padding:1rem 1.1rem}
.plan-card.dk{background:#22382E;border-color:#22382E;color:#fff}
.plan-lbl{font-size:14px;color:#888;margin-bottom:4px}
.plan-card.dk .plan-lbl{color:rgba(255,255,255,.6)}
.plan-val{font-size:25px;font-weight:300}
.plan-card.dk .plan-val{color:#fff}
.tl-item{display:flex;gap:14px;padding:13px 0;border-bottom:1px solid #F0EEE8;align-items:flex-start}
.tl-item:last-child{border-bottom:none}
.tl-dot{width:9px;height:9px;border-radius:50%;flex-shrink:0;margin-top:5px}
.tl-dot.green{background:#22382E}
.tl-dot.amber{background:#C9960A}
.tl-dot.gray{background:#CCC}
.tl-date{font-size:15px;font-weight:500;min-width:90px;flex-shrink:0}
.tl-desc{font-size:16px;color:#333;line-height:1.5;flex:1}
.tl-amt{font-size:15px;font-weight:500;color:#22382E;flex-shrink:0;white-space:nowrap;margin-left:8px}
.bar-row{display:flex;align-items:center;gap:10px;margin-bottom:7px}
.bar-mo{width:44px;font-size:14px;color:#888;flex-shrink:0}
.bar-track{flex:1;height:7px;background:#F0EEE8;border-radius:4px;overflow:hidden}
.bar-fill{height:100%;background:#22382E;border-radius:4px}
.bar-amt{width:72px;text-align:right;font-size:14px;color:#555;flex-shrink:0}
.ret-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-bottom:1.5rem}
.ret-card{background:#fff;border:1px solid #E0DED8;border-radius:12px;padding:1.1rem 1.25rem}
.ret-card.cur{border-color:#22382E}
.ret-year{font-size:25px;font-weight:300;margin-bottom:.3rem}
.ret-pill{display:inline-block;font-size:13px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;padding:3px 9px;border-radius:12px;margin-bottom:.7rem}
.pill-paper{background:#FFFBF0;color:#9A6C00}
.pill-future{background:#F0EEE8;color:#888}
.ret-detail{font-size:15px;color:#555;line-height:1.6}
.ret-amt{font-size:20px;font-weight:300;margin-top:.5rem}
.ret-amt small{font-size:14px;color:#888;font-weight:400}
.p-step{display:flex;gap:14px;padding:15px 0;border-bottom:1px solid #F0EEE8;align-items:flex-start}
.p-step:last-child{border-bottom:none}
.p-num{width:28px;height:28px;border-radius:50%;background:#22382E;color:#fff;display:flex;align-items:center;justify-content:center;font-size:15px;font-weight:500;flex-shrink:0;margin-top:1px}
.p-title{font-size:17px;font-weight:500;margin-bottom:3px}
.p-desc{font-size:15px;color:#555;line-height:1.6}
.p-tag{display:inline-block;font-size:13px;font-weight:600;padding:2px 8px;border-radius:4px;margin-top:5px;letter-spacing:.06em}
.p-tag.g{background:#EEF4F1;color:#22382E}
.p-tag.a{background:#FFFBF0;color:#9A6C00}
.imp-item{display:flex;gap:12px;padding:12px 0;border-bottom:1px solid #F0EEE8;align-items:flex-start}
.imp-item:last-child{border-bottom:none}
.imp-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;margin-top:5px}
.imp-dot.g{background:#22382E}
.imp-dot.a{background:#C9960A}
.imp-dot.r{background:#C0392B}
.radio-group{display:flex;gap:16px;flex-wrap:wrap;margin-top:6px}
.radio-opt{display:flex;align-items:center;gap:7px;font-size:16px;cursor:pointer}
.radio-opt input{accent-color:#22382E;width:16px;height:16px}
.celebrate-overlay{position:fixed;top:0;left:0;width:100%;height:100%;pointer-events:none;z-index:1000}
.confetti-piece{position:absolute;width:8px;height:8px;border-radius:2px;animation:fall linear forwards}
@keyframes fall{0%{transform:translateY(-20px) rotate(0deg);opacity:1}100%{transform:translateY(100vh) rotate(720deg);opacity:0}}
.celebrate-banner{background:#22382E;color:#fff;border-radius:12px;padding:1.25rem 1.5rem;margin-bottom:1.25rem;display:none;align-items:center;gap:16px}
.celebrate-banner.show{display:flex;animation:popIn .5s cubic-bezier(.34,1.28,.64,1) both}
@keyframes popIn{0%{transform:scale(.96) translateY(6px);opacity:0}100%{transform:scale(1) translateY(0);opacity:1}}
.celebrate-icon{font-size:37px;flex-shrink:0}
.celebrate-title{font-size:21px;font-weight:300;margin-bottom:3px}
.celebrate-sub{font-size:15px;opacity:.75}
.footer-band{background:#22382E;color:#fff;border-radius:10px;padding:.9rem 1.1rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.75rem;margin-top:1rem}
.fb-stat .fb-lbl{font-size:13px;opacity:.65;margin-bottom:1px}
.fb-stat .fb-val{font-size:20px;font-weight:300}
.go-btn{background:#fff;color:#22382E;border:none;border-radius:7px;font-family:'Albert Sans',sans-serif;font-size:15px;font-weight:600;padding:9px 18px;cursor:pointer;white-space:nowrap}
.go-btn:hover{background:#EEF4F1}
.go-btn:disabled{opacity:.35;cursor:not-allowed}
@media(max-width:580px){.two-col,.box-grid,.plan-grid,.ret-grid{grid-template-columns:1fr}.tab{font-size:14px;padding:8px 9px}.new-acc-form .row{grid-template-columns:1fr}}
/* subtle entrance for late-revealed sections and dynamic rows */
#banks-step2,.review-tray,.qa-summary,.proc{animation:fadeIn .3s ease both}
.btn-primary,.btn-outline,.btn-ghost,.go-btn,.land-open,.us-btn{transition:background .22s ease,color .22s ease,border-color .22s ease,box-shadow .22s ease,transform .12s ease}
.btn-primary:active,.btn-outline:active,.go-btn:active,.land-open:active{transform:translateY(1px)}
/* respect users who prefer reduced motion */
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
}