*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Arial,sans-serif;background:#f4f5f7;color:#1a1a1a;font-size:14px}
.wrap{max-width:860px;margin:0 auto;padding:1.5rem 1rem}
.topbar{background:#1e436c;border-radius:10px;padding:1rem 1.4rem;display:flex;justify-content:space-between;align-items:center;margin-bottom:1.2rem}
.topbar-title{color:#fff;font-size:17px;font-weight:600}
.topbar-sub{color:#9ab8d8;font-size:11px;margin-top:3px}
.progress-bar{height:4px;background:#dde2e9;border-radius:2px;margin-bottom:1.2rem;overflow:hidden}
.progress-fill{height:100%;background:#1e436c;border-radius:2px;transition:width .3s}
.section{background:#fff;border:1px solid #e0e4ea;border-radius:10px;padding:1.1rem 1.3rem;margin-bottom:.9rem}
.sec-title{font-size:11px;font-weight:600;color:#666;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.85rem}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.grid3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px}
.field{display:flex;flex-direction:column;gap:4px;margin-bottom:9px}
.field label{font-size:12px;color:#555;font-weight:500}
input[type=text],input[type=number],select,textarea{width:100%;padding:8px 10px;border:1px solid #d0d5dc;border-radius:6px;font-size:13px;font-family:Arial,sans-serif;background:#fff;color:#1a1a1a}
input:focus,select:focus,textarea:focus{outline:none;border-color:#1e436c}
textarea{resize:vertical}
.upload-zone{border:1.5px dashed #b0b8c4;border-radius:10px;padding:1.6rem;text-align:center;cursor:pointer;transition:.15s;background:#f8f9fb}
.upload-zone:hover{border-color:#1e436c;background:#f0f5fa}
.upload-zone.over{border-color:#1e436c;background:#e8f0f9}
.upload-icon{font-size:32px;color:#1e436c;margin-bottom:.5rem}
.upload-text{font-size:13px;color:#555;font-weight:500}
.upload-sub{font-size:11px;color:#888;margin-top:4px}
.badge{display:inline-flex;align-items:center;gap:5px;background:#e8f5e9;color:#2e7d32;font-size:11px;padding:3px 10px;border-radius:12px;margin-bottom:.6rem;font-weight:500}
.flags-grid{display:grid;grid-template-columns:1fr 1fr;gap:6px}
.flag{display:flex;align-items:flex-start;gap:8px;padding:8px 10px;border:1px solid #dde2e9;border-radius:7px;cursor:pointer;transition:.12s;background:#f8f9fb;user-select:none}
.flag:hover{border-color:#1e436c}
.flag.on{border-color:#1e436c;background:#eaf0f8}
.flag input[type=checkbox]{margin-top:2px;accent-color:#1e436c;flex-shrink:0}
.flag-lbl{font-size:12px;font-weight:600;color:#1a1a1a}
.flag-sub{font-size:11px;color:#888;margin-top:1px}
.add-btn{background:#fff;border:1px solid #ccd2da;border-radius:6px;padding:6px 14px;font-size:12px;cursor:pointer;color:#333;margin-top:7px;font-family:Arial,sans-serif}
.add-btn:hover{border-color:#1e436c;color:#1e436c}
.item-row{display:flex;gap:8px;align-items:flex-start;padding:.4rem 0;border-bottom:1px solid #eee}
.rem{background:none;border:none;color:#aaa;cursor:pointer;font-size:17px;padding:0 3px;line-height:1;font-family:Arial}
.rem:hover{color:#a32d2d}
.risk-high{color:#a32d2d;font-size:11px;font-weight:700}
.risk-mod{color:#854f0b;font-size:11px;font-weight:700}
.pkg-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:9px;margin-bottom:9px}
.pkg{border:1px solid #dde2e9;border-radius:9px;padding:.85rem;cursor:pointer;transition:.12s;background:#fff}
.pkg:hover{border-color:#1e436c}
.pkg.sel{border:2px solid #1e436c;background:#f0f5fa}
.pkg.sug{background:#f5f8ff}
.pkg-name{font-size:12px;font-weight:600;color:#333;margin-bottom:3px}
.pkg-price{font-size:19px;font-weight:700;color:#1e436c}
.pkg-inc{font-size:10px;color:#888;margin-top:4px;line-height:1.5}
.addon-row{display:flex;align-items:center;gap:10px;padding:7px 0;border-bottom:1px solid #eee;font-size:13px;cursor:pointer;user-select:none}
.addon-row input{accent-color:#1e436c}
.total-bar{background:#1e436c;color:#fff;border-radius:8px;padding:.75rem 1.1rem;display:flex;justify-content:space-between;align-items:center;margin-top:10px}
.total-amt{font-size:20px;font-weight:700;color:#c4993a}
.assump-box{background:#fff8e7;border-left:3px solid #c4993a;border-radius:4px;padding:.75rem 1rem;margin-bottom:.9rem;font-size:12px;color:#7a5a18}
.assump-title{font-weight:700;color:#8a6a1f;margin-bottom:5px}
.gen-btn{width:100%;padding:14px;background:#1e436c;color:#fff;border:none;border-radius:10px;font-size:15px;font-weight:600;cursor:pointer;margin-top:.8rem;font-family:Arial,sans-serif}
.gen-btn:hover{background:#1a3a5e}
.gen-btn:disabled{opacity:.5;cursor:not-allowed}
.err{background:#fdecea;color:#a32d2d;border:1px solid #f0b4b4;border-radius:7px;padding:.65rem 1rem;font-size:12px;margin:.5rem 0}
.loading-box{text-align:center;padding:2.5rem 1rem}
.spinner{width:30px;height:30px;border:3px solid #dde2e9;border-top-color:#1e436c;border-radius:50%;animation:spin .7s linear infinite;margin:0 auto 1rem}
@keyframes spin{to{transform:rotate(360deg)}}
/* PROPOSAL OUTPUT */
.proposal-wrap{display:none}
.proposal-wrap.show{display:block}
.prop-hdr{background:#1e436c;color:#fff;padding:1.1rem 1.4rem;border-radius:10px 10px 0 0}
.prop-body{border:1px solid #dde2e9;border-top:none;padding:1.3rem;border-radius:0 0 10px 10px;background:#fff}
.sec-band{padding:6px 10px;border-radius:4px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:#fff;margin:1rem 0 .5rem}
.band-navy{background:#1e436c}
.band-red{background:#a32d2d}
.band-amber{background:#854f0b}
.band-blue{background:#295c94}
.concern-block{padding:.55rem 0;border-bottom:1px solid #eee}
.concern-title{font-size:13px;font-weight:600}
.concern-exp{font-size:12px;color:#555;margin-top:3px;line-height:1.6}
.opening-box{background:#f0f5fa;border-left:3px solid #1e436c;padding:.9rem 1.1rem;border-radius:4px;font-size:13px;line-height:1.75;margin-bottom:1rem;white-space:pre-wrap}
.ph1-block{display:flex;gap:10px;padding:.5rem 0;border-bottom:1px solid #eee}
.ph1-num{width:22px;height:22px;border-radius:50%;color:#fff;display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:700;flex-shrink:0;margin-top:2px}
.outcome-row{display:flex;gap:8px;padding:3px 0;font-size:13px}
.ns-row{display:grid;grid-template-columns:.9fr 1fr 2fr 1fr;gap:8px;padding:.45rem 0;border-bottom:1px solid #eee;font-size:12px}
.action-bar{display:flex;gap:8px;margin-bottom:.8rem}
.dl-btn{padding:9px 18px;background:#c4993a;color:#fff;border:none;border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;font-family:Arial}
.dl-btn:hover{background:#b08830}
.back-btn{padding:9px 18px;background:#fff;border:1px solid #ccd2da;border-radius:7px;font-size:13px;cursor:pointer;color:#333;font-family:Arial}
.back-btn:hover{border-color:#1e436c;color:#1e436c}
.med-row{display:grid;grid-template-columns:1.5fr 2fr 1fr auto;gap:6px;align-items:center;padding:.35rem 0;border-bottom:1px solid #eee;font-size:12px}
.cond-row{display:grid;grid-template-columns:1.5fr .7fr 2fr auto;gap:6px;align-items:start;padding:.35rem 0;border-bottom:1px solid #eee;font-size:12px}
.ph1-row{display:grid;grid-template-columns:1fr 1fr auto;gap:6px;align-items:center;padding:.35rem 0;border-bottom:1px solid #eee;font-size:12px}
.sug-note{font-size:12px;color:#1e436c;background:#f0f5fa;padding:6px 10px;border-radius:6px;margin-bottom:8px;display:none}
@media(max-width:600px){.grid2,.grid3,.pkg-row,.flags-grid{grid-template-columns:1fr}.ns-row{grid-template-columns:1fr 1fr}}