/* ============================================================
   styles.css — Rize Risk Quote Wizard
   Dark gold theme matching rizerisk.framer.website
   ============================================================ */

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

:root {
  --bg:         #0e0e12;
  --surface:    #16161c;
  --surface-2:  #1d1d25;
  --border:     #272730;
  --gold:       #804A00;
  --gold-bright:#A97142;
  --gold-hover: #9a5c00;
  --gold-dim:   rgba(128,74,0,0.12);
  --gold-dim2:  rgba(128,74,0,0.06);
  --text:       #ffffff;
  --grey-1:     #c8c8d0;
  --grey-2:     #7a7a8a;
  --grey-warm:  #9D9994;
  --error:      #f05252;
  --error-dim:  rgba(240,82,82,0.12);
  --success:    #4ade80;
  --radius:     10px;
  --radius-sm:  6px;
  --transition: 0.2s ease;
}

html { font-size: 16px; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--bg);
  color: var(--text);
  min-height: 100vh;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ---------- Layout ---------- */
#app {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.screen {
  display: none;
  flex: 1;
}
.screen.active {
  display: flex;
  flex-direction: column;
}

/* ---------- Header ---------- */
.app-header-wrap {
  position: sticky;
  top: 0;
  z-index: 50;
  /* padding-top creates the floating gap as part of normal document flow,
     so content below is never hidden behind the pill */
  padding: 12px 16px 12px;
}

.app-header-pill {
  max-width: 860px;
  margin: 0 auto;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 10px 0 12px;
  background: rgba(22, 22, 28, 0.88);
  border-radius: 9999px;
  box-shadow:
    0 0 0 1px rgba(128,74,0,0.18),
    0 8px 32px rgba(0,0,0,0.50);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}

.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  padding: 8px 12px;
}

.logo-img {
  height: 22px;
  width: auto;
  display: block;
}

/* header badge inherits all .btn.btn-primary styles — only size tweaks here */
.header-badge {
  font-size: 12px;
  padding: 7px 14px;
  gap: 8px;
}

/* ---------- Selection Screens ---------- */
#screen-type,
#screen-select {
  padding: 0 24px 60px;
  align-items: center;
}

.select-back-row {
  width: 100%;
  max-width: 620px;
  margin: 32px auto 0;
  padding: 0 4px;
}

.select-hero {
  text-align: center;
  padding: 40px 24px 48px;
  max-width: 640px;
  margin: 0 auto;
}

.select-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-bright);
  background: var(--gold-dim);
  border: 1px solid rgba(128,74,0,0.25);
  border-radius: 20px;
  padding: 5px 14px;
  margin-bottom: 20px;
}

.select-hero h1 {
  font-size: clamp(28px, 5vw, 44px);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.03em;
  margin-bottom: 16px;
}

.select-hero h1 span {
  color: var(--gold-bright);
}

.select-hero p {
  font-size: 16px;
  color: var(--grey-1);
  max-width: 480px;
  margin: 0 auto;
}

.cards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 620px;
  width: 100%;
  margin: 0 auto;
}

/* ── Portrait card ── */
.select-card {
  aspect-ratio: 3 / 5;
  border-radius: 28px;
  overflow: hidden;
  position: relative;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: 24px;
  color: #ffffff;
  transition: transform 0.35s cubic-bezier(0.34, 1.4, 0.64, 1), box-shadow 0.35s ease;
  box-shadow:
    0px 25px 50px -12px rgba(0,0,0,0.55),
    0 0 0 1px rgba(128,74,0,0.10);
  user-select: none;
}

.select-card:hover {
  transform: scale(1.03);
  box-shadow:
    0px 32px 60px -12px rgba(0,0,0,0.65),
    0 0 0 1px rgba(128,74,0,0.32);
}

/* Background image layer */
.card-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transition: transform 0.55s ease, filter 0.55s ease;
  z-index: 0;
  filter: brightness(0.80) saturate(0.85);
}

#card-home .card-bg {
  background-image: url('https://a0.muscache.com/im/pictures/prohost-api/Hosting-50443544/original/1acca60d-34db-40c8-b431-793762b0fd1b.jpeg?im_w=720');
}

#card-auto .card-bg {
  background-image: url('https://images.unsplash.com/photo-1492144534655-ae79c964c9d7?w=800&q=80');
}

#card-personal .card-bg {
  background-image: url('https://bellahomes.us/wp-content/uploads/2023/12/cdaa4b3d85584d439c232edcbe24b0b7.jpeg');
}

#card-commercial .card-bg {
  background-image: url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=800&q=80');
}

.select-card:hover .card-bg {
  transform: scale(1.06);
  filter: brightness(0.92) saturate(1.05);
}

/* Permanent gradient overlay */
.card-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(
    180deg,
    rgba(0,0,0,0.12) 0%,
    rgba(0,0,0,0.04) 35%,
    rgba(0,0,0,0.62) 72%,
    rgba(0,0,0,0.82) 100%
  );
}

/* Extra dark overlay fades in on hover */
.card-hover-overlay {
  position: absolute;
  inset: 0;
  z-index: 2;
  background: rgba(0,0,0,0.18);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.select-card:hover .card-hover-overlay {
  opacity: 1;
}

/* ── Card content ── */
.card-top {
  position: relative;
  z-index: 10;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.card-top-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.card-icon-lg {
  font-size: 26px;
  line-height: 1;
  filter: drop-shadow(0 2px 6px rgba(0,0,0,0.5));
  transition: transform 0.3s ease;
}

.select-card:hover .card-icon-lg {
  transform: scale(1.14);
}

.card-pill {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  padding: 5px 11px;
  border-radius: 9999px;
  background: rgba(128,74,0,0.18);
  color: var(--gold-bright);
  border: 1px solid rgba(128,74,0,0.28);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.card-big-title {
  font-size: clamp(18px, 2.2vw, 22px);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.025em;
  color: #ffffff;
  margin: 0;
}

.card-sub {
  font-size: 12px;
  font-weight: 400;
  color: rgba(128,74,0,0.80);
  margin-top: 4px;
}

/* ── Card bottom ── */
.card-bottom {
  position: relative;
  z-index: 10;
  border-top: 1px solid rgba(255,255,255,0.14);
  padding-top: 18px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.card-desc {
  font-size: 12px;
  font-weight: 400;
  color: rgba(255,255,255,0.78);
  line-height: 1.6;
  margin: 0;
}

.card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.card-brand {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
}

.card-brand svg { color: var(--gold-bright); }

.card-cta {
  font-size: 12px;
  font-weight: 600;
  color: var(--gold-bright);
  display: flex;
  align-items: center;
  gap: 5px;
  transition: gap 0.25s ease, color 0.25s ease;
}

.select-card:hover .card-cta {
  gap: 9px;
  color: #ffffff;
}

/* ── Coming Soon card ── */
.select-card.card-coming-soon {
  cursor: default;
  opacity: 0.72;
}

.select-card.card-coming-soon:hover {
  transform: none;
  box-shadow:
    0px 25px 50px -12px rgba(0,0,0,0.55),
    0 0 0 1px rgba(128,74,0,0.10);
}

.select-card.card-coming-soon:hover .card-bg {
  transform: none;
  filter: brightness(0.80) saturate(0.85);
}

.select-card.card-coming-soon:hover .card-hover-overlay {
  opacity: 0;
}

.select-card.card-coming-soon:hover .card-cta {
  gap: 5px;
  color: var(--gold-bright);
}

.coming-soon-overlay {
  position: absolute;
  inset: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(0, 0, 0, 0.30);
  backdrop-filter: blur(2px);
  -webkit-backdrop-filter: blur(2px);
}

.coming-soon-badge {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  padding: 10px 22px;
  border-radius: 9999px;
  background: rgba(22, 22, 28, 0.90);
  border: 1px solid rgba(128, 74, 0, 0.45);
  color: var(--gold-bright);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.40);
}

/* ---------- Wizard Shell ---------- */
.wizard-screen {
  flex: 1;
  display: none;
  flex-direction: column;
}
.wizard-screen.active {
  display: flex;
}

.wizard-progress {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 0 32px;
}

.progress-steps {
  display: flex;
  align-items: stretch;
  max-width: 900px;
  margin: 0 auto;
  overflow-x: auto;
  scrollbar-width: none;
}
.progress-steps::-webkit-scrollbar { display: none; }

.progress-step {
  flex: 1;
  min-width: 100px;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 16px 8px 14px;
  position: relative;
  cursor: default;
  transition: opacity var(--transition);
}

.progress-step .step-num {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--surface-2);
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 600;
  color: var(--grey-warm);
  margin-bottom: 8px;
  transition: all var(--transition);
  z-index: 1;
}

.progress-step .step-label {
  font-size: 11px;
  font-weight: 500;
  color: var(--grey-2);
  text-align: center;
  white-space: nowrap;
  transition: color var(--transition);
}

.progress-step.active .step-num {
  background: var(--gold);
  border-color: var(--gold);
  color: #0e0e12;
}
.progress-step.active .step-label { color: var(--gold); font-weight: 600; }

.progress-step.completed .step-num {
  background: var(--gold-dim);
  border-color: var(--gold);
  color: var(--gold);
}
.progress-step.completed .step-label { color: var(--grey-1); }

.progress-bar-track {
  height: 3px;
  background: var(--border);
  position: relative;
  overflow: hidden;
}

.progress-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, #804A00, #A97142);
  border-radius: 2px;
  transition: width 0.4s ease;
  box-shadow: 0 0 8px rgba(128, 74, 0, 0.45);
}

/* ---------- Wizard Body ---------- */
.wizard-body {
  flex: 1;
  overflow-y: auto;
  padding: 40px 24px 60px;
}

.wizard-content {
  max-width: 740px;
  margin: 0 auto;
}

.step-header {
  margin-bottom: 32px;
}

.step-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--grey-warm);
  background: rgba(157,153,148,0.08);
  border: 1px solid rgba(157,153,148,0.18);
  border-radius: 9999px;
  padding: 4px 12px;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  margin-bottom: 14px;
}

.step-title {
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 700;
  letter-spacing: -0.025em;
  margin-bottom: 6px;
}

.step-subtitle {
  font-size: 14px;
  color: var(--grey-1);
}

/* ---------- Form Fields ---------- */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-grid .full { grid-column: 1 / -1; }

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.field label {
  font-size: 13px;
  font-weight: 500;
  color: var(--grey-1);
}

.field label .req {
  color: var(--gold);
  margin-left: 2px;
}

.field input,
.field select,
.field textarea {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 11px 14px;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--text);
  width: 100%;
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}

.field input::placeholder { color: var(--grey-2); }

.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px var(--gold-dim);
}

.field input.error,
.field select.error {
  border-color: var(--error);
  box-shadow: 0 0 0 3px var(--error-dim);
}

.field-error {
  font-size: 12px;
  color: var(--error);
  display: none;
}

.field.has-error .field-error { display: block; }

/* Select arrow */
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%237a7a8a' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
}

.field select option {
  background: var(--surface-2);
  color: var(--text);
}

/* Phone prefix */
.phone-wrap {
  display: flex;
  gap: 0;
}

.phone-prefix {
  background: var(--surface);
  border: 1px solid var(--border);
  border-right: none;
  border-radius: var(--radius-sm) 0 0 var(--radius-sm);
  padding: 11px 12px;
  font-size: 14px;
  font-weight: 500;
  color: var(--grey-1);
  white-space: nowrap;
  display: flex;
  align-items: center;
}

.phone-wrap input {
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  flex: 1;
}

/* ---------- Radio Groups ---------- */
.radio-group {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.radio-option {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 9px 16px;
  transition: border-color var(--transition), background var(--transition);
  user-select: none;
}

.radio-option:hover {
  border-color: rgba(128,74,0,0.4);
}

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

.radio-dot {
  width: 16px;
  height: 16px;
  border: 2px solid var(--grey-2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: border-color var(--transition);
  flex-shrink: 0;
}

.radio-dot::after {
  content: '';
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold);
  transform: scale(0);
  transition: transform 0.15s ease;
}

.radio-option input[type="radio"]:checked ~ .radio-dot {
  border-color: var(--gold);
}
.radio-option input[type="radio"]:checked ~ .radio-dot::after {
  transform: scale(1);
}

.radio-option:has(input[type="radio"]:checked) {
  border-color: var(--gold);
  background: var(--gold-dim);
}

.radio-label {
  font-size: 14px;
  font-weight: 500;
  color: var(--grey-1);
}

.radio-option:has(input[type="radio"]:checked) .radio-label {
  color: var(--text);
}

/* ---------- Checkboxes ---------- */
.checkbox-option {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  user-select: none;
  padding: 4px 0;
}

.checkbox-option input[type="checkbox"] {
  display: none;
}

.checkbox-box {
  width: 18px;
  height: 18px;
  border: 2px solid var(--border);
  border-radius: 4px;
  background: var(--surface-2);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
  flex-shrink: 0;
}

.checkbox-box svg {
  opacity: 0;
  transform: scale(0.5);
  transition: all 0.15s ease;
}

.checkbox-option input[type="checkbox"]:checked ~ .checkbox-box {
  background: var(--gold);
  border-color: var(--gold);
}

.checkbox-option input[type="checkbox"]:checked ~ .checkbox-box svg {
  opacity: 1;
  transform: scale(1);
}

.checkbox-label {
  font-size: 14px;
  color: var(--grey-1);
}

.checkbox-group {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* ---------- Conditional Sections ---------- */
.conditional {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, opacity 0.25s ease;
  opacity: 0;
}

.conditional.visible {
  max-height: 2000px;
  opacity: 1;
}

.conditional-inner {
  padding-top: 16px;
}

/* ---------- Section Dividers ---------- */
.section-divider {
  height: 1px;
  background: var(--border);
  margin: 28px 0;
}

.section-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--grey-2);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.section-label::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ---------- Card Panels (Driver/Vehicle) ---------- */
.panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 16px;
}

.panel-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}

.panel-title {
  font-size: 15px;
  font-weight: 600;
  color: var(--text);
}

.panel-badge {
  font-size: 11px;
  font-weight: 600;
  color: var(--gold);
  background: var(--gold-dim);
  border: 1px solid rgba(128,74,0,0.2);
  border-radius: 20px;
  padding: 3px 10px;
}

/* ---------- File Upload ---------- */
.file-upload-zone {
  border: 2px dashed var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  cursor: pointer;
  transition: border-color var(--transition), background var(--transition);
  position: relative;
}

.file-upload-zone:hover,
.file-upload-zone.dragover {
  border-color: var(--gold);
  background: var(--gold-dim2);
}

.file-upload-zone input[type="file"] {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
  width: 100%;
  height: 100%;
}

.upload-icon {
  width: 44px;
  height: 44px;
  background: var(--gold-dim);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
}

.upload-text {
  font-size: 14px;
  font-weight: 500;
  color: var(--grey-1);
  margin-bottom: 4px;
}

.upload-text span {
  color: var(--gold-bright);
}

.upload-hint {
  font-size: 12px;
  color: var(--grey-2);
}

.upload-filename {
  margin-top: 12px;
  font-size: 13px;
  color: var(--gold);
  font-weight: 500;
  display: none;
}

.upload-filename.visible { display: block; }

/* ---------- SMS Consent ---------- */
.sms-consent-wrap {
  padding: 16px 0 4px;
}

.sms-consent-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  user-select: none;
}

.sms-consent-label input[type="checkbox"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.sms-consent-box {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  margin-top: 2px;
  border: 2px solid var(--border);
  border-radius: 4px;
  background: var(--surface-2);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: border-color var(--transition), background var(--transition);
}

.sms-consent-box svg {
  opacity: 0;
  transition: opacity var(--transition);
  color: var(--bg);
}

.sms-consent-label input[type="checkbox"]:checked ~ .sms-consent-box {
  background: var(--gold);
  border-color: var(--gold);
}

.sms-consent-label input[type="checkbox"]:checked ~ .sms-consent-box svg {
  opacity: 1;
}

.sms-consent-text {
  font-size: 0.8rem;
  color: var(--grey-2);
  line-height: 1.5;
}

.sms-link {
  color: var(--gold-bright);
  text-decoration: underline;
}

.sms-link:hover {
  color: var(--gold-hover);
}

.sms-consent-wrap .field-error {
  margin-top: 8px;
  margin-left: 32px;
}

/* ---------- Navigation Bar ---------- */
.wizard-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 40px;
  padding: 24px 0 0;
  border-top: 1px solid var(--border);
}

.nav-left { display: flex; align-items: center; gap: 12px; }
.nav-right { display: flex; align-items: center; gap: 12px; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 10px 16px;
  border-radius: 9999px;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  border: none;
  outline: none;
  text-decoration: none;
  white-space: nowrap;
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

/* Icon badge inside button */
.btn-icon {
  display: inline-flex;
  width: 28px;
  height: 28px;
  align-items: center;
  justify-content: center;
  border-radius: 9999px;
  flex-shrink: 0;
  transition: transform var(--transition);
}

.btn:hover .btn-icon {
  transform: translateX(2px);
}

/* Primary — frosted glass pill with gold badge */
.btn-primary {
  background: rgba(255,255,255,0.06);
  box-shadow: 0 0 0 1px rgba(255,255,255,0.10);
  color: #ffffff;
}
.btn-primary:hover {
  background: rgba(255,255,255,0.11);
}
.btn-primary:active {
  background: rgba(255,255,255,0.08);
}
.btn-primary:disabled {
  opacity: 0.4;
  cursor: not-allowed;
}
.btn-primary:disabled .btn-icon {
  transform: none;
}
.btn-primary .btn-icon {
  background: linear-gradient(135deg, #804A00, #A97142);
  color: #ffffff;
}

/* Ghost — back button, pill with dim badge */
.btn-ghost {
  background: rgba(255,255,255,0.04);
  box-shadow: 0 0 0 1px rgba(255,255,255,0.07);
  color: var(--grey-1);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.08);
  color: var(--text);
}
.btn-ghost .btn-icon {
  background: rgba(255,255,255,0.08);
  color: var(--grey-1);
}
.btn-ghost:hover .btn-icon {
  transform: translateX(-2px);
}

/* Secondary (kept for future use) */
.btn-secondary {
  background: rgba(255,255,255,0.04);
  box-shadow: 0 0 0 1px rgba(255,255,255,0.08);
  color: var(--grey-1);
}
.btn-secondary:hover {
  background: rgba(255,255,255,0.09);
  color: var(--text);
}

/* ---------- Success Screen ---------- */
#screen-success {
  align-items: center;
  justify-content: center;
  padding: 40px 24px;
  text-align: center;
}

.success-inner {
  max-width: 520px;
}

.success-icon {
  width: 72px;
  height: 72px;
  background: var(--gold-dim);
  border: 1px solid rgba(128,74,0,0.3);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 32px;
}

.success-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-bright);
  background: var(--gold-dim);
  border: 1px solid rgba(128,74,0,0.25);
  border-radius: 20px;
  padding: 5px 14px;
  margin-bottom: 16px;
}

.success-title {
  font-size: clamp(24px, 4vw, 36px);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 12px;
}

.success-body {
  font-size: 15px;
  color: var(--grey-1);
  line-height: 1.7;
  margin-bottom: 12px;
}

.success-note {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  font-size: 13px;
  color: var(--grey-1);
  text-align: left;
  margin: 20px 0 28px;
  line-height: 1.6;
}

/* ---------- Toast ---------- */
.toast-container {
  position: fixed;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 100;
  display: flex;
  flex-direction: column;
  gap: 8px;
  pointer-events: none;
}

.toast {
  background: #2a1a1a;
  border: 1px solid rgba(240,82,82,0.4);
  border-radius: var(--radius-sm);
  padding: 12px 18px;
  font-size: 13px;
  font-weight: 500;
  color: #fca5a5;
  white-space: nowrap;
  animation: toastIn 0.25s ease, toastOut 0.25s ease 2.75s forwards;
  pointer-events: auto;
}

@keyframes toastIn {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes toastOut {
  from { opacity: 1; }
  to   { opacity: 0; }
}

/* ---------- Loading overlay ---------- */
.submit-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(14,14,18,0.85);
  z-index: 200;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 16px;
}

.submit-overlay.visible {
  display: flex;
}

.spinner {
  width: 44px;
  height: 44px;
  border: 3px solid var(--border);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

.submit-overlay p {
  font-size: 15px;
  font-weight: 500;
  color: var(--grey-1);
}

/* ---------- Responsive ---------- */
@media (max-width: 640px) {
  .app-header-wrap { padding: 8px 10px 8px; }
  .wizard-progress { padding: 0 16px; }
  .wizard-body { padding: 28px 16px 40px; }
  .form-grid { grid-template-columns: 1fr; }
  .form-grid .full { grid-column: 1; }
  .cards-grid { grid-template-columns: 1fr 1fr; gap: 12px; max-width: 100%; }
  .select-hero { padding: 36px 16px 28px; }
  .progress-step .step-label { font-size: 10px; }
  .btn { padding: 10px 16px; font-size: 13px; }
  .panel { padding: 16px; }
}

@media (max-width: 400px) {
  .radio-group { flex-direction: column; }
}