:root {
  /* Light backgrounds */
  --bg0: #FFFFFF;
  --bg1: #F7F8FC;
  --bg2: #EEF1F8;
  --bg3: #E4E8F2;
  --bg4: #D9DEE9;
  
  /* Borders */
  --bd: rgba(26, 31, 113, 0.1);
  --bd2: rgba(26, 31, 113, 0.18);
  
  /* Text colors */
  --t1: #1A1F71;
  --t2: #4A5090;
  --t3: #7A80B0;
  
  /* VISA Brand Colors */
  --blue: #1A1F71;
  --blue-light: #2E348F;
  --blue-g: rgba(26, 31, 113, 0.1);
  --gold: #F7B600;
  --gold-dark: #E5A800;
  --gold-g: rgba(247, 182, 0, 0.15);
  
  /* Status colors */
  --green: #00875A;
  --green-g: rgba(0, 135, 90, 0.1);
  --red: #DE350B;
  --red-g: rgba(222, 53, 11, 0.1);
  --purple: #6554C0;
  --purple-g: rgba(101, 84, 192, 0.1);
  --amber: #FF991F;
  --amber-g: rgba(255, 153, 31, 0.1);
  --teal: #00B8D9;
  --pink: #FF5630;
}

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

body {
  font-family: 'Outfit', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--bg0);
  color: var(--t1);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* Scrollbar */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--bg1); }
::-webkit-scrollbar-thumb { background: rgba(26, 31, 113, 0.2); border-radius: 9px; }
::-webkit-scrollbar-thumb:hover { background: rgba(26, 31, 113, 0.35); }

/* Font variants */
.serif { font-family: 'Playfair Display', Georgia, serif; }
.mono { font-family: 'IBM Plex Mono', monospace; }

/* Form elements */
input, select, button, textarea { font-family: inherit; }
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--blue) !important;
  box-shadow: 0 0 0 3px var(--blue-g);
}
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-light); }

/* ===== ANIMATIONS ===== */
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes slideUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes glow {
  0%, 100% { box-shadow: 0 0 30px rgba(26, 31, 113, 0.08); }
  50% { box-shadow: 0 0 50px rgba(26, 31, 113, 0.15); }
}

@keyframes gradShift {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

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

@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes typing {
  0% { opacity: 0.3; }
  50% { opacity: 1; }
  100% { opacity: 0.3; }
}

@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.5; }
}

@keyframes scoreGlow {
  0%, 100% { filter: drop-shadow(0 0 6px rgba(26, 31, 113, 0.15)); }
  50% { filter: drop-shadow(0 0 15px rgba(26, 31, 113, 0.3)); }
}

@keyframes shimmer {
  0% { background-position: -200% 0; }
  100% { background-position: 200% 0; }
}

@keyframes expandIn {
  from { opacity: 0; max-height: 0; }
  to { opacity: 1; max-height: 800px; }
}

@keyframes cardGlow {
  0%, 100% { box-shadow: 0 4px 20px rgba(26, 31, 113, 0.08); }
  50% { box-shadow: 0 8px 40px rgba(26, 31, 113, 0.15); }
}

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-20px); }
  to { opacity: 1; transform: translateY(0); }
}

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

@keyframes modalSlide {
  from { opacity: 0; transform: translateY(-20px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes slideInRight {
  from { opacity: 0; transform: translateX(100%); }
  to { opacity: 1; transform: translateX(0); }
}

/* ===== COMPONENTS ===== */

/* Card */
.card {
  background: var(--bg0);
  border: 1px solid var(--bd);
  border-radius: 14px;
  padding: 22px;
  transition: all 0.25s ease;
  box-shadow: 0 2px 8px rgba(26, 31, 113, 0.04);
}
.card:hover {
  border-color: var(--bd2);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(26, 31, 113, 0.08);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 11px 22px;
  border-radius: 10px;
  border: none;
  cursor: pointer;
  font-weight: 600;
  font-size: 13px;
  transition: all 0.2s;
}

.btn-p {
  background: linear-gradient(135deg, #1A1F71, #2E348F);
  color: #fff;
  box-shadow: 0 4px 16px rgba(26, 31, 113, 0.25);
}
.btn-p:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(26, 31, 113, 0.35);
}

.btn-g {
  background: transparent;
  border: 1px solid var(--bd2);
  color: var(--t1);
}
.btn-g:hover {
  background: var(--bg1);
  border-color: var(--blue);
  color: var(--blue);
}

.btn-sm {
  padding: 7px 14px;
  font-size: 11px;
  border-radius: 8px;
}

/* Badge */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 4px 10px;
  border-radius: 6px;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.3px;
  background: var(--blue-g);
  color: var(--blue);
}

/* Decorative orb (subtle in light mode) */
.orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: 0.05;
  pointer-events: none;
}

/* Grid */
.grid { display: grid; gap: 14px; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); }
.g4 { grid-template-columns: repeat(4, 1fr); }
.gf { grid-template-columns: repeat(auto-fill, minmax(270px, 1fr)); }

/* Input */
.input {
  width: 100%;
  padding: 12px 14px;
  border-radius: 10px;
  border: 1px solid var(--bd);
  background: var(--bg0);
  color: var(--t1);
  font-size: 13px;
  transition: all 0.2s;
}
.input::placeholder { color: var(--t3); }

/* Label */
.label {
  font-size: 11px;
  color: var(--t2);
  margin-bottom: 4px;
  display: block;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* Error message */
.err-msg {
  color: var(--red);
  font-size: 12px;
  margin-top: 6px;
  padding: 8px 12px;
  background: var(--red-g);
  border-radius: 8px;
  display: none;
}
.err-msg.show { display: block; }

/* Toast notifications */
.toast {
  position: fixed;
  top: 20px;
  right: 20px;
  padding: 14px 22px;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 500;
  z-index: 9999;
  animation: chatSlide 0.3s;
  box-shadow: 0 8px 32px rgba(26, 31, 113, 0.15);
}
.toast-success {
  background: var(--bg0);
  border: 1px solid var(--green);
  color: var(--green);
}
.toast-error {
  background: var(--bg0);
  border: 1px solid var(--red);
  color: var(--red);
}

/* Score ring */
.score-ring { animation: scoreGlow 3s ease infinite; }

/* Credit Card Visual - VISA Branded */
.credit-card-visual {
  background: linear-gradient(135deg, #252C8F 0%, #414BB2 50%, #252C8F 100%);
  border: none;
  border-radius: 16px;
  padding: 24px;
  position: relative;
  overflow: hidden;
  transition: all 0.3s;
  box-shadow: 0 8px 32px rgba(26, 31, 113, 0.3);
}
.credit-card-visual:hover {
  transform: translateY(-6px) scale(1.02);
  box-shadow: 0 16px 48px rgba(26, 31, 113, 0.4);
}
.credit-card-visual::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -50%;
  width: 100%;
  height: 100%;
  background: radial-gradient(circle, rgba(247, 182, 0, 0.15) 0%, transparent 60%);
  pointer-events: none;
}
.credit-card-visual::after {
  content: 'VISA';
  position: absolute;
  bottom: 20px;
  right: 24px;
  font-size: 24px;
  font-weight: 800;
  font-style: italic;
  color: #F7B600;
  letter-spacing: 2px;
}

.cc-chip {
  width: 40px;
  height: 30px;
  border-radius: 6px;
  background: linear-gradient(135deg, #F7B600, #E5A800);
  display: inline-block;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
}

/* Loan card */
.loan-card {
  transition: all 0.3s ease;
  background: var(--bg0);
  border: 1px solid var(--bd);
}
.loan-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(26, 31, 113, 0.1);
  border-color: var(--blue);
}

/* Prediction card */
.pred-card {
  position: relative;
  overflow: hidden;
  transition: all 0.35s cubic-bezier(0.25, 0.8, 0.25, 1);
  cursor: default;
  background: var(--bg0);
  border: 1px solid var(--bd);
}
.pred-card:hover {
  transform: translateY(-6px) scale(1.02);
  box-shadow: 0 16px 48px rgba(26, 31, 113, 0.12);
  border-color: var(--blue);
}
.pred-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, transparent 30%, rgba(26, 31, 113, 0.03) 50%, transparent 70%);
  background-size: 200% 200%;
  opacity: 0;
  transition: opacity 0.3s;
}
.pred-card:hover::after {
  opacity: 1;
  animation: shimmer 2s linear infinite;
}
.pred-card .pred-icon { transition: all 0.35s ease; }
.pred-card:hover .pred-icon { transform: scale(1.25) translateY(-4px); }
.pred-card .pred-value { transition: all 0.3s ease; }
.pred-card:hover .pred-value { transform: scale(1.05); }
.pred-card .pred-detail {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: all 0.35s ease;
  margin-top: 0;
}
.pred-card:hover .pred-detail {
  max-height: 60px;
  opacity: 1;
  margin-top: 8px;
}

/* Prediction stat */
.pred-stat {
  transition: all 0.3s ease;
  cursor: default;
  background: var(--bg1);
  border: 1px solid var(--bd);
}
.pred-stat:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(26, 31, 113, 0.08);
  border-color: var(--bd2);
}
.pred-stat:hover .pred-stat-icon { transform: scale(1.2) rotate(-5deg); }
.pred-stat-icon { transition: all 0.4s cubic-bezier(0.34, 1.56, 0.64, 1); }

/* Chart card */
.chart-card {
  transition: all 0.3s ease;
  background: var(--bg0);
  border: 1px solid var(--bd);
}
.chart-card:hover {
  border-color: var(--blue);
  box-shadow: 0 8px 32px rgba(26, 31, 113, 0.08);
}

/* Investment card */
.invest-card {
  position: relative;
  overflow: hidden;
  transition: all 0.4s cubic-bezier(0.25, 0.8, 0.25, 1);
  cursor: pointer;
  border: 1px solid var(--bd);
  background: var(--bg0);
}
.invest-card:hover {
  border-color: var(--blue);
  box-shadow: 0 8px 32px rgba(26, 31, 113, 0.1);
  transform: translateY(-2px);
}
.invest-card.expanded {
  border-color: var(--blue);
  box-shadow: 0 12px 48px rgba(26, 31, 113, 0.12);
  animation: cardGlow 3s ease infinite;
  cursor: default;
  grid-column: 1 / -1;
}
.invest-card .expand-icon {
  transition: transform 0.3s ease;
  display: inline-block;
}
.invest-card.expanded .expand-icon { transform: rotate(180deg); }
.invest-card .card-detail {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: all 0.45s cubic-bezier(0.25, 0.8, 0.25, 1);
}
.invest-card.expanded .card-detail {
  max-height: 800px;
  opacity: 1;
}
.invest-card .mini-spark { transition: all 0.3s ease; }
.invest-card.expanded .mini-spark {
  opacity: 0;
  height: 0;
  overflow: hidden;
}

/* Period button */
.period-btn {
  padding: 6px 14px;
  border-radius: 6px;
  border: 1px solid var(--bd);
  background: transparent;
  color: var(--t3);
  font-size: 10px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s;
  font-family: inherit;
}
.period-btn:hover {
  border-color: var(--blue);
  color: var(--blue);
}
.period-btn.active {
  background: var(--blue);
  border-color: var(--blue);
  color: #fff;
  font-weight: 600;
}

/* Stat pill */
.stat-pill {
  padding: 10px 16px;
  border-radius: 10px;
  background: var(--bg1);
  border: 1px solid var(--bd);
  text-align: center;
  transition: all 0.25s;
}
.stat-pill:hover {
  border-color: var(--blue);
  transform: translateY(-2px);
  background: var(--bg2);
}

/* Fund row */
.fund-row {
  transition: all 0.3s ease;
  cursor: pointer;
  border-bottom: 1px solid var(--bd);
}
.fund-row:hover { background: var(--blue-g); }
.fund-row.expanded { background: rgba(26, 31, 113, 0.06); }
.fund-detail-row {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, opacity 0.3s ease;
  opacity: 0;
}
.fund-detail-row.show {
  max-height: 400px;
  opacity: 1;
}

/* Bond card */
.bond-card {
  cursor: pointer;
  transition: all 0.35s ease;
  background: var(--bg0);
  border: 1px solid var(--bd);
}
.bond-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(26, 31, 113, 0.1);
  border-color: var(--blue);
}
.bond-card.expanded {
  border-color: var(--blue);
  box-shadow: 0 12px 40px rgba(26, 31, 113, 0.12);
  grid-column: 1 / -1;
}

/* ===== CHAT UI ===== */
.chat-fab {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, #1A1F71, #2E348F);
  color: #fff;
  border: none;
  cursor: pointer;
  font-size: 26px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 24px rgba(26, 31, 113, 0.35), 0 0 0 4px rgba(26, 31, 113, 0.1);
  z-index: 1000;
  transition: all 0.25s;
}
.chat-fab:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 32px rgba(26, 31, 113, 0.45), 0 0 0 6px rgba(26, 31, 113, 0.15);
}

.chat-window {
  position: fixed;
  bottom: 96px;
  right: 24px;
  width: 440px;
  height: 620px;
  background: var(--bg0);
  border: 1px solid var(--bd2);
  border-radius: 24px;
  z-index: 999;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  box-shadow: 0 16px 64px rgba(26, 31, 113, 0.2);
  animation: chatSlide 0.3s;
}

.chat-header {
  padding: 18px 22px;
  border-bottom: 1px solid var(--bd);
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: linear-gradient(135deg, #1A1F71 0%, #2E348F 100%);
  color: #fff;
}

.chat-body {
  flex: 1;
  overflow-y: auto;
  padding: 16px;
  padding-bottom: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  background: var(--bg1);
  scroll-behavior: smooth;
  -webkit-overflow-scrolling: touch;
}

.chat-input-area {
  padding: 14px 18px;
  border-top: 1px solid var(--bd);
  display: flex;
  gap: 10px;
  background: var(--bg0);
}
.chat-input-area input {
  flex: 1;
  padding: 12px 16px;
  border-radius: 12px;
  border: 1px solid var(--bd);
  background: var(--bg1);
  color: var(--t1);
  font-size: 13px;
  transition: all 0.2s;
}
.chat-input-area input::placeholder { color: var(--t3); }
.chat-input-area input:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-g);
}
.chat-input-area button {
  padding: 12px 22px;
  border-radius: 12px;
  border: none;
  background: linear-gradient(135deg, #1A1F71, #2E348F);
  color: #fff;
  cursor: pointer;
  font-weight: 600;
  font-size: 13px;
  transition: all 0.2s;
  box-shadow: 0 2px 8px rgba(26, 31, 113, 0.3);
}
.chat-input-area button:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(26, 31, 113, 0.4);
}
.chat-input-area button:disabled {
  opacity: 0.5;
  cursor: not-allowed;
  transform: none;
}

/* Message Container */
.chat-msg {
  display: flex;
  flex-direction: column;
  max-width: 85%;
  animation: fadeInUp 0.3s ease-out;
  animation-fill-mode: both;
}
.chat-msg.user {
  align-self: flex-end;
  align-items: flex-end;
}
.chat-msg.ai {
  align-self: flex-start;
  align-items: flex-start;
}

/* Message Bubbles */
.msg-bubble {
  padding: 12px 16px;
  border-radius: 16px;
  font-size: 13px;
  line-height: 1.5;
  word-wrap: break-word;
  position: relative;
}
.msg-bubble.user {
  background: linear-gradient(135deg, #1A1F71 0%, #2E348F 100%);
  color: #fff;
  border-bottom-right-radius: 6px;
  box-shadow: 0 2px 12px rgba(26, 31, 113, 0.25);
}
.msg-bubble.ai {
  background: var(--bg0);
  color: var(--t1);
  border: 1px solid var(--bd);
  border-bottom-left-radius: 6px;
  box-shadow: 0 2px 8px rgba(26, 31, 113, 0.06);
}

/* Message Labels */
.msg-label {
  font-size: 9px;
  font-weight: 600;
  margin-bottom: 3px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: flex;
  align-items: center;
  gap: 4px;
}
.msg-label.user { color: var(--blue); }
.msg-label.ai { color: var(--gold-dark); }

/* System Messages */
.chat-system {
  align-self: center;
  background: var(--gold-g);
  color: var(--gold-dark);
  border: 1px solid rgba(247, 182, 0, 0.3);
  font-size: 11px;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: 20px;
  animation: chatSlide 0.25s;
  display: flex;
  align-items: center;
  gap: 6px;
}

/* Error Messages */
.msg-bubble.error {
  background: var(--red-g);
  border: 1px solid rgba(222, 53, 11, 0.25);
  color: var(--red);
  border-bottom-left-radius: 6px;
}

/* Typing Indicator */
.typing-indicator {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 14px 18px;
  align-self: flex-start;
  background: var(--bg0);
  border-radius: 18px;
  border-bottom-left-radius: 6px;
  border: 1px solid var(--bd);
  animation: chatSlide 0.25s;
}
.typing-indicator::before {
  content: 'AI';
  font-size: 9px;
  font-weight: 700;
  color: var(--gold-dark);
  margin-right: 4px;
}
.typing-indicator span {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--blue);
  animation: typing 1.2s infinite;
}
.typing-indicator span:nth-child(2) { animation-delay: 0.2s; }
.typing-indicator span:nth-child(3) { animation-delay: 0.4s; }

/* Modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(26, 31, 113, 0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 200;
  animation: fadeIn 0.2s;
  backdrop-filter: blur(4px);
}
.modal {
  background: var(--bg0);
  border: 1px solid var(--bd2);
  border-radius: 20px;
  padding: 28px;
  width: 100%;
  max-width: 440px;
  animation: chatSlide 0.3s;
  box-shadow: 0 24px 64px rgba(26, 31, 113, 0.2);
}

/* Goal selection cards in chat */
.goal-select-intro {
  text-align: center;
  font-size: 14px;
  font-weight: 600;
  color: var(--t1);
  margin-bottom: 16px;
  padding: 14px;
  background: var(--blue-g);
  border-radius: 12px;
  border: 1px solid rgba(26, 31, 113, 0.15);
}

.goal-cards {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.goal-card {
  padding: 16px 18px;
  border-radius: 14px;
  border: 1px solid var(--bd);
  background: var(--bg0);
  cursor: pointer;
  transition: all 0.25s;
  display: flex;
  align-items: center;
  gap: 14px;
  text-align: left;
  width: 100%;
  font-family: inherit;
  color: var(--t1);
  position: relative;
  overflow: hidden;
}
.goal-card::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 4px;
  background: var(--gold);
  border-radius: 0 2px 2px 0;
  transition: width 0.2s;
}
.goal-card:hover {
  border-color: var(--blue);
  background: var(--bg1);
  transform: translateX(4px);
  box-shadow: 0 4px 20px rgba(26, 31, 113, 0.1);
}
.goal-card:hover::before { width: 6px; }
.goal-card:active { transform: translateX(2px) scale(0.99); }
.goal-card .goal-icon {
  font-size: 24px;
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  background: var(--blue-g);
  border: 1px solid var(--bd);
}
.goal-card .goal-info { flex: 1; }
.goal-card .goal-label {
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 3px;
}
.goal-card .goal-desc {
  font-size: 12px;
  color: var(--t3);
}
.goal-card .goal-arrow {
  font-size: 16px;
  color: var(--t3);
  transition: transform 0.2s, color 0.2s;
}
.goal-card:hover .goal-arrow {
  transform: translateX(3px);
  color: var(--blue);
}

/* ===== INTAKE QUESTION CARDS ===== */
.intake-question-card {
  background: var(--bg0);
  border: 1px solid var(--bd2);
  border-radius: 16px;
  padding: 20px;
  margin: 8px 0;
  margin-bottom: 16px;
  animation: fadeInUp 0.35s ease-out;
  animation-fill-mode: both;
  box-shadow: 0 4px 20px rgba(26, 31, 113, 0.06);
  position: relative;
  overflow: visible;
  flex-shrink: 0;
  min-height: auto;
}
.intake-question-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #1A1F71, #F7B600);
  border-radius: 16px 16px 0 0;
}

.intake-progress {
  height: 6px;
  background: var(--bg2);
  border-radius: 3px;
  overflow: hidden;
  margin-bottom: 12px;
  border: 1px solid var(--bd);
}
.intake-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, #1A1F71, #F7B600);
  border-radius: 3px;
  transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
}
.intake-progress-bar::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.4), transparent);
  animation: shimmer 2s infinite;
}

.intake-progress-text {
  font-size: 10px;
  color: var(--t2);
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 1px;
  display: flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
}
.intake-progress-text::before {
  content: '💬';
  font-size: 12px;
}

.intake-question {
  font-size: 15px;
  font-weight: 600;
  color: var(--t1);
  margin-bottom: 16px;
  line-height: 1.5;
  padding-left: 2px;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

.intake-options {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.intake-buttons { flex-direction: row; }
.intake-dropdown { flex-direction: column; }

.intake-option-btn {
  flex: 1;
  min-width: calc(50% - 5px);
  padding: 14px 16px;
  border: 1px solid var(--bd);
  border-radius: 10px;
  background: var(--bg1);
  color: var(--t1);
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.intake-option-btn::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--blue-g), var(--gold-g));
  opacity: 0;
  transition: opacity 0.2s;
}
.intake-option-btn:hover {
  border-color: var(--blue);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(26, 31, 113, 0.12);
}
.intake-option-btn:hover::before { opacity: 1; }
.intake-option-btn:active {
  transform: translateY(0);
  box-shadow: 0 2px 6px rgba(26, 31, 113, 0.1);
}

.intake-select {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid var(--bd);
  border-radius: 10px;
  background: var(--bg0);
  color: var(--t1);
  font-size: 13px;
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%231A1F71' viewBox='0 0 16 16'%3E%3Cpath d='M8 11L3 6h10l-5 5z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  transition: all 0.2s;
}
.intake-select:hover {
  border-color: var(--blue);
  box-shadow: 0 2px 8px rgba(26, 31, 113, 0.1);
}
.intake-select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-g);
}
.intake-select option {
  background: var(--bg0);
  color: var(--t1);
  padding: 10px;
}

/* Intake hint */
.intake-hint {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 10px 14px;
  color: var(--t3);
  font-size: 11px;
  background: var(--bg1);
  border-top: 1px solid var(--bd);
  flex-shrink: 0;
}
.intake-hint::before { content: '👆'; }

/* ===== DAILY BRIEFING ===== */
.briefing-card {
  animation: slideDown 0.4s ease-out;
  background: var(--bg0);
  border: 1px solid var(--bd);
}
.briefing-card:hover {
  border-color: var(--blue);
}
.briefing-card button:hover {
  color: var(--t1);
}

/* Spinner */
.spinner {
  border: 2px solid var(--bg3);
  border-top: 2px solid var(--blue);
  border-radius: 50%;
  animation: spin 1s linear infinite;
}

/* Modal animation */
.modal {
  animation: modalSlide 0.3s ease-out;
}

/* Smart Features Panel */
.smart-features-panel {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: 400px;
  background: var(--bg0);
  border-left: 1px solid var(--bd2);
  z-index: 201;
  display: flex;
  flex-direction: column;
  animation: slideInRight 0.3s ease;
  box-shadow: -8px 0 32px rgba(26, 31, 113, 0.1);
}

.smart-toggle {
  width: 44px;
  height: 24px;
  border-radius: 12px;
  border: none;
  cursor: pointer;
  position: relative;
  transition: all 0.2s ease;
}
.smart-toggle.active {
  background: linear-gradient(135deg, var(--green), #00A86B);
}
.smart-toggle:not(.active) {
  background: var(--bg3);
}
.smart-toggle .toggle-knob {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: white;
  position: absolute;
  top: 3px;
  transition: left 0.2s ease;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.15);
}
.smart-toggle.active .toggle-knob { left: 23px; }
.smart-toggle:not(.active) .toggle-knob { left: 3px; }

/* Hide duplicate briefing modal */
.modal-overlay:has([onclick*="dismissBriefing"]) {
  display: none !important;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .g2, .g3, .g4 { grid-template-columns: 1fr; }
  .chat-window {
    width: calc(100vw - 32px);
    right: 16px;
    bottom: 84px;
    height: 480px;
  }
}

@media (max-width: 768px) {
  .sidebar { display: none !important; }
  .main-content { margin-left: 0 !important; }
  .smart-features-panel { width: 100%; }
}

/* Gold accent for important elements */
.visa-accent {
  border-left: 4px solid var(--gold);
}

.visa-highlight {
  background: linear-gradient(135deg, var(--blue-g) 0%, var(--gold-g) 100%);
}

/* Trust badge styling */
.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  background: linear-gradient(135deg, #1A1F71 0%, #2E348F 100%);
  color: #fff;
  border-radius: 8px;
  font-size: 11px;
  font-weight: 600;
}
.trust-badge::before {
  content: '✓';
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 16px;
  height: 16px;
  background: var(--gold);
  color: var(--blue);
  border-radius: 50%;
  font-size: 10px;
}