:root{
  --spw-blue:#0093d0;      /* Sanlam bright blue */
  --spw-blue-dark:#0a5c8a;
  --spw-navy:#0f2b46;
  --ink:#20303c;
  --muted:#6a7b88;
  --line:#dfe6ec;
  --bg:#f4f7f9;
  --card:#ffffff;
  --ok:#1a9e63;
  --err:#c8352b;
  --radius:10px;
  --shadow:0 2px 10px rgba(15,43,70,.06);
  font-synthesis:none;
}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;line-height:1.5}
h1,h2,h3,h4{color:var(--spw-navy);font-weight:600;margin:.2em 0}

/* top bar */
.topbar{display:flex;justify-content:space-between;align-items:center;
  background:var(--card);border-bottom:1px solid var(--line);padding:14px 28px;position:sticky;top:0;z-index:20}
.brand{display:flex;align-items:baseline;gap:16px}
.brand-mark{font-size:22px;font-weight:700;color:var(--spw-blue);letter-spacing:.5px}
.brand-sub{font-size:13px;letter-spacing:3px;color:var(--muted);text-transform:uppercase}
.brand-sub b{color:var(--spw-blue);font-weight:700}
.topbar-right{display:flex;align-items:center;gap:14px}
.demo-badge{background:#fef3c7;color:#92600a;font-size:11px;font-weight:700;letter-spacing:1px;padding:3px 8px;border-radius:5px}

/* layout */
.shell{max-width:920px;margin:26px auto;padding:0 20px}
.stage{margin-top:14px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}

/* hero */
.hero{text-align:center;margin-bottom:20px}
.hero h1{font-size:30px}
.hero h1 span{color:var(--spw-blue)}
.lead{color:var(--muted);max-width:560px;margin:8px auto 0}

/* rail */
.rail{display:flex;gap:6px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:8px;box-shadow:var(--shadow);overflow-x:auto}
.rail-step{flex:1;min-width:110px;display:flex;align-items:center;gap:8px;background:none;border:0;cursor:pointer;
  padding:8px 10px;border-radius:8px;color:var(--muted);font-size:13px;font-weight:600;white-space:nowrap}
.rail-step .rail-num{width:22px;height:22px;border-radius:50%;background:var(--line);color:var(--muted);
  display:grid;place-items:center;font-size:12px}
.rail-step.active{background:var(--spw-blue);color:#fff}
.rail-step.active .rail-num{background:#fff;color:var(--spw-blue)}
.rail-step.done{color:var(--spw-blue-dark)}
.rail-step.done .rail-num{background:var(--ok);color:#fff}

/* headings inside app */
.app-head{display:flex;justify-content:space-between;align-items:flex-end;margin:18px 2px 10px}
.crumb{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:1px}
.app-head h2{font-size:22px}
.ref-chip{font-size:13px;color:var(--muted);background:#eef4f8;border:1px solid var(--line);padding:5px 10px;border-radius:6px}
.ref-chip b{color:var(--spw-blue-dark)}
h3.sec{margin:22px 0 10px;padding-bottom:6px;border-bottom:2px solid var(--spw-blue);font-size:15px;text-transform:uppercase;letter-spacing:.5px}

/* fields */
.field{margin:12px 0}
label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:5px}
.req{color:var(--err)}
input,select,textarea{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;font-size:14px;
  background:#fff;color:var(--ink);font-family:inherit}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--spw-blue);box-shadow:0 0 0 3px rgba(0,147,208,.12)}
textarea{resize:vertical}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
.hint{font-size:12.5px;color:var(--muted);margin:6px 0}

/* pills / radios */
.pill-row{display:flex;gap:10px;flex-wrap:wrap}
.pill-row.wrap{flex-wrap:wrap}
.pill{position:relative;cursor:pointer}
.pill input{position:absolute;opacity:0}
.pill span{display:inline-block;padding:9px 16px;border:1px solid var(--line);border-radius:30px;font-size:13.5px;
  background:#fff;transition:.15s}
.pill input:checked+span{background:var(--spw-blue);border-color:var(--spw-blue);color:#fff}
.method-row{display:flex;gap:12px;flex-wrap:wrap}
.method{cursor:pointer}
.method input{position:absolute;opacity:0}
.method span{display:inline-block;padding:12px 18px;border:1.5px solid var(--line);border-radius:10px;font-weight:600;font-size:14px}
.method input:checked+span{border-color:var(--spw-blue);background:#eaf7fd;color:var(--spw-blue-dark)}
.radio-line,.check-line{display:block;font-weight:500;margin:7px 0;cursor:pointer;font-size:13.5px}
.radio-line input,.check-line input{width:auto;margin-right:8px}
.check-line.big{font-size:14.5px;font-weight:600;margin:14px 0}

/* repeat rows */
.repeat-row{display:grid;grid-template-columns:1fr 1fr 1fr auto;gap:12px;align-items:end;
  padding:10px;border:1px dashed var(--line);border-radius:8px;margin-bottom:8px}
.btn-add{background:none;border:1px dashed var(--spw-blue);color:var(--spw-blue-dark);padding:8px 14px;
  border-radius:8px;cursor:pointer;font-size:13px;font-weight:600;margin:4px 0 10px}
.btn-remove{background:#fbeae9;border:1px solid #f2c7c3;color:var(--err);width:34px;height:38px;border-radius:8px;cursor:pointer;font-size:18px}

/* bank card */
.bank-card{border:1px solid var(--line);border-radius:8px;padding:14px;margin:10px 0;background:#fbfdfe}
.bank-card h4{margin-bottom:6px;font-size:14px;color:var(--spw-blue-dark)}
.total-line{margin-top:8px;font-size:15px}
.total-line b{color:var(--spw-blue-dark);font-size:18px}

/* experience table */
.exp-table{border:1px solid var(--line);border-radius:8px;overflow:hidden}
.exp-head,.exp-row{display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;align-items:center}
.exp-head{background:var(--spw-blue);color:#fff;font-size:12.5px;font-weight:600}
.exp-head span{padding:10px;text-align:center}
.exp-head span:first-child{text-align:left}
.exp-row{border-top:1px solid var(--line)}
.exp-row:nth-child(even){background:#fafcfd}
.exp-name{padding:10px;font-size:13.5px;font-weight:500}
.exp-cell{display:grid;place-items:center;padding:10px}
.exp-cell input{width:18px;height:18px}

/* statements */
.stmt-list{display:flex;flex-direction:column;gap:8px}
.stmt{display:grid;grid-template-columns:auto 120px 1fr;gap:10px;align-items:start;padding:12px;
  border:1px solid var(--line);border-radius:8px;cursor:pointer}
.stmt input{width:auto;margin-top:2px}
.stmt-label{font-weight:700;color:var(--spw-navy)}
.stmt-text{font-size:12.5px;color:var(--muted)}
.stmt.sel{border-color:var(--spw-blue);background:#f0f9fe}

/* risk questionnaire */
.risk-legend{display:grid;grid-template-columns:1fr 1fr 1fr 1fr 1fr;gap:4px;margin:6px 0;font-size:10.5px;
  color:var(--muted);text-align:center;text-transform:uppercase;letter-spacing:.3px}
.risk-q{display:grid;grid-template-columns:1fr 260px;gap:12px;align-items:center;padding:10px 8px;border-top:1px solid var(--line)}
.risk-text{font-size:13.5px}
.risk-opts{display:grid;grid-template-columns:repeat(5,1fr);gap:6px}
.risk-dot{cursor:pointer;text-align:center}
.risk-dot input{position:absolute;opacity:0}
.risk-dot span{display:block;padding:8px 0;border:1px solid var(--line);border-radius:6px;font-size:13px;font-weight:600;color:var(--muted)}
.risk-dot input:checked+span{background:var(--spw-blue);border-color:var(--spw-blue);color:#fff}
.risk-result{margin-top:14px;padding:14px;border-radius:8px;text-align:center;font-size:14px}
.risk-result.partial{background:#f3f6f8;color:var(--muted)}
.risk-result.done{background:#eaf7ee;border:1px solid #bfe6cd}
.risk-score{font-size:14px}
.risk-cat{font-size:20px;margin:2px 0;color:var(--spw-navy)}
.risk-desc{font-size:12.5px;color:var(--muted)}

/* capacity */
.cap-block{border-top:1px solid var(--line);padding:10px 0}
.cap-q{font-weight:600;font-size:13.5px;margin:4px 0}

/* review */
.rev-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px 20px;margin:10px 0}
.rev-row{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line);font-size:13.5px}
.rev-row span{color:var(--muted)}
.legal{font-size:12.5px;color:var(--muted);background:#fafcfd;border:1px solid var(--line);border-radius:8px;padding:12px}

/* buttons */
.actions,.wizard-nav{display:flex;gap:12px;align-items:center;margin-top:18px}
.wizard-nav .spacer{flex:1}
.btn-primary{background:var(--spw-blue);color:#fff;border:0;padding:12px 22px;border-radius:8px;font-size:14px;font-weight:600;cursor:pointer}
.btn-primary:hover{background:var(--spw-blue-dark)}
.btn-secondary{background:#fff;color:var(--spw-blue-dark);border:1.5px solid var(--spw-blue);padding:11px 20px;border-radius:8px;font-weight:600;cursor:pointer}
.btn-secondary:disabled{opacity:.4;cursor:not-allowed}
.btn-ghost{background:#eef4f8;border:1px solid var(--line);color:var(--ink);padding:10px 16px;border-radius:8px;font-weight:600;cursor:pointer;font-size:13px}
.btn-link{background:none;border:0;color:var(--spw-blue-dark);cursor:pointer;font-size:13.5px;text-decoration:underline}

/* misc */
.err{background:#fbeae9;border:1px solid #f2c7c3;color:var(--err);padding:12px 14px;border-radius:8px;margin-top:12px;font-size:13.5px}
.err ul{margin:6px 0 0 18px}
.demo-hint{background:#fff8e6;border:1px solid #f2e2b0;color:#8a6400;padding:10px 12px;border-radius:8px;margin:10px 0;font-size:13px}

/* otp */
.otp-inputs{display:flex;gap:10px;justify-content:center;margin:18px 0}
.otp-box{width:52px;height:60px;text-align:center;font-size:24px;font-weight:700}
.otp-card,.verify-card{max-width:560px;margin:0 auto}

/* toast */
.toast{position:fixed;bottom:22px;left:50%;transform:translateX(-50%);background:var(--spw-navy);color:#fff;
  padding:12px 20px;border-radius:8px;font-size:14px;box-shadow:0 6px 20px rgba(0,0,0,.2);z-index:60}
.toast.success{background:var(--ok)}
.toast.error{background:var(--err)}

/* modal — use :not([hidden]) so the hidden attribute isn't overridden by display:grid */
.modal:not([hidden]){position:fixed;inset:0;background:rgba(15,43,70,.45);display:grid;place-items:center;z-index:50}
.modal-card{background:#fff;border-radius:12px;padding:26px;max-width:460px;width:92%}
.ref-box{background:#f0f9fe;border:1px dashed var(--spw-blue);border-radius:8px;padding:12px;text-align:center;
  font-size:20px;font-weight:700;letter-spacing:2px;color:var(--spw-blue-dark);margin:8px 0}
.ref-box.small{font-size:12px;letter-spacing:0;font-weight:500;word-break:break-all}
.ref-box.small a{color:var(--spw-blue-dark)}
.mini{font-size:12px;color:var(--muted);margin-top:8px}
.modal-actions{display:flex;gap:10px;justify-content:flex-end;margin-top:16px}

/* done */
.done-card{text-align:center;max-width:540px;margin:0 auto}
.check-circle{width:64px;height:64px;border-radius:50%;background:var(--ok);color:#fff;font-size:34px;display:grid;place-items:center;margin:0 auto 12px}
.risk-summary{background:#f0f9fe;border:1px solid #bfe0f2;border-radius:10px;padding:16px;margin:14px 0}
.risk-summary div:first-child{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:1px}
.risk-summary b{display:block;font-size:24px;color:var(--spw-navy);margin:4px 0}
.risk-summary span{font-size:12.5px;color:var(--muted)}

/* footer */
.footer{text-align:center;color:var(--muted);font-size:12px;padding:24px}

@media(max-width:680px){
  .grid-2,.grid-3{grid-template-columns:1fr}
  .repeat-row{grid-template-columns:1fr}
  .risk-q{grid-template-columns:1fr}
  .stmt{grid-template-columns:1fr}
  .rev-grid{grid-template-columns:1fr}
  .exp-head span,.exp-name{font-size:11px}
}