/* Loveday client portal — MVP styles.
   Palette lifted from the prototype (lovedayinsurance.com.au) so the web form
   reads as the same product. Tokens only live here; don't hard-code hex in
   templates. */
:root{
  --navy:#0b1f33;
  --navy-mid:#1f3645;
  --teal:#8bede5;
  --teal-2:#68d4cd;
  --teal-pale:#e6f9f7;
  --cream:#f7f8f8;
  --paper:#f0f2f5;
  --charcoal:#0b1f33;
  --mid:#34445a;
  --pale:#758696;
  --border:#e4e7eb;
  --field-border:#dde1e6;
  --clay:#a0593e;
  --gold:#e1b96e;            /* secondary accent — use sparingly (prototype) */
  --lift:0 12px 28px rgba(44,57,71,0.1);   /* hover-lift shadow (prototype) */
  --sans:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --radius:10px;
}
*{box-sizing:border-box;margin:0;padding:0}
body{background:var(--cream);font-family:var(--sans);color:var(--charcoal);
  -webkit-font-smoothing:antialiased;line-height:1.5}

/* top bar */
.tnav{background:var(--navy);height:64px;display:flex;align-items:center;
  gap:26px;padding:0 28px;color:#fff}
.tnav-logo{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}
.tnav-logo img{height:22px;width:auto;display:block}
.tnav-badge{font-size:10px;letter-spacing:0.14em;text-transform:uppercase;
  color:var(--teal);border-left:1px solid rgba(255,255,255,0.22);padding-left:12px;
  font-weight:600;white-space:nowrap}
.tnav-links{display:flex;gap:4px}
.tnav-links a{color:rgba(255,255,255,0.72);text-decoration:none;font-size:13px;
  padding:8px 13px;border-radius:7px;transition:all .15s;white-space:nowrap}
.tnav-links a:hover{background:rgba(255,255,255,0.09);color:#fff}
.tnav-user{margin-left:auto;display:flex;align-items:center;gap:10px}
.uchip{display:flex;align-items:center;gap:9px;color:rgba(255,255,255,0.9);font-size:13px}
.uav{width:32px;height:32px;border-radius:50%;background:var(--teal);color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;
  flex-shrink:0;letter-spacing:0.02em}
.uname{white-space:nowrap}
.uchip-out{background:transparent;border:1px solid rgba(255,255,255,0.22);color:rgba(255,255,255,0.85);
  font-family:var(--sans);font-size:12px;font-weight:500;padding:7px 13px;border-radius:7px;
  cursor:pointer;transition:all .15s}
.uchip-out:hover{background:rgba(255,255,255,0.1);color:#fff}

/* page */
.wrap{max-width:860px;margin:0 auto;padding:36px 24px 80px}
.pagehead h1{font-size:28px;font-weight:600;margin-bottom:4px}
.pagehead p{color:var(--mid);font-size:14px}
.crumb-link{margin-bottom:10px}
.crumb-link a{font-size:12px;color:var(--mid);text-decoration:none;font-weight:500}
.crumb-link a:hover{color:var(--navy)}
.progress{margin:18px 0 8px;height:8px;background:var(--paper);border-radius:6px;
  overflow:hidden}
.progress i{display:block;height:100%;background:var(--teal-2)}
.progress-lbl{font-size:12px;color:var(--mid);margin-bottom:26px}

/* flash */
.flash{background:var(--teal-pale);border-left:3px solid var(--teal-2);
  padding:12px 16px;border-radius:8px;font-size:13px;margin-bottom:20px}

/* sections + questions */
.section{background:#fff;border:1px solid var(--border);border-radius:12px;
  padding:24px 26px;margin-bottom:20px}
.section-eyebrow{font-size:10px;font-weight:700;letter-spacing:0.16em;
  text-transform:uppercase;color:var(--pale)}
.section-title{font-size:19px;font-weight:600;margin:2px 0 4px}
.section-title-row{display:flex;align-items:center;justify-content:space-between;gap:14px}
.btn-autofill{background:var(--teal-pale);color:var(--navy);border:1px solid var(--teal);
  border-radius:8px;font-family:var(--sans);font-size:12px;font-weight:600;
  padding:8px 14px;cursor:pointer;white-space:nowrap;transition:all .15s}
.btn-autofill:hover{background:var(--teal)}
.section-note{font-size:12px;color:var(--mid);margin:6px 0 0}
.section-rule{width:38px;height:3px;background:var(--teal);border-radius:2px;
  margin:10px 0 20px}
.q{padding:16px 0;border-top:1px solid #f0f1f3}
.q:first-of-type{border-top:none;padding-top:4px}
.qtext{font-size:14px;font-weight:500;margin-bottom:10px}
.qtext .n{color:var(--teal-2);font-weight:700;margin-right:6px}

/* fields */
label.cell{display:block;font-size:11px;font-weight:600;letter-spacing:0.04em;
  text-transform:uppercase;color:var(--mid);margin:10px 0 5px}
input[type=text],input[type=email],input[type=password],textarea{
  width:100%;padding:11px 13px;border:1px solid var(--field-border);
  border-radius:8px;font-family:var(--sans);font-size:14px;background:#fff;
  color:var(--charcoal);outline:none;transition:border .15s,box-shadow .15s}
input:focus,textarea:focus{border-color:var(--teal-2);
  box-shadow:0 0 0 3px rgba(104,212,205,0.22)}
textarea{min-height:96px;resize:vertical}
.cellgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));
  gap:10px 16px}

/* radio / check */
.choices{display:flex;gap:10px;flex-wrap:wrap}
.choice{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--field-border);
  border-radius:999px;padding:8px 16px;font-size:13px;cursor:pointer;background:#fff;
  transition:all .15s}
.choice:hover{border-color:var(--teal-2)}
.choice input{accent-color:var(--teal-2);cursor:pointer}

/* wizard */
.wiz-head{margin-bottom:22px}
.wiz-dots{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:12px}
.wiz-dot{width:30px;height:30px;border-radius:50%;border:1px solid var(--border);
  background:#fff;color:var(--mid);font-family:var(--sans);font-size:12px;font-weight:600;
  cursor:pointer;transition:all .15s;flex-shrink:0}
.wiz-dot:hover{border-color:var(--teal-2)}
.wiz-dot.on{background:var(--navy);border-color:var(--navy);color:#fff}
.wiz-dot.done{background:var(--teal-pale);border-color:var(--teal);color:var(--navy)}
.wiz-steplabel{font-size:13px;font-weight:600;color:var(--charcoal);margin-bottom:8px}
.wiz-head .progress{margin:0}
.wiz-nav{position:sticky;bottom:0;background:rgba(247,248,248,0.94);
  backdrop-filter:blur(6px);padding:16px 0;margin-top:8px;display:flex;
  align-items:center;gap:12px;border-top:1px solid var(--border)}
.wiz-nav-r{margin-left:auto;display:flex;gap:12px}
.wiz-saved{font-size:12px;color:var(--teal-2);font-weight:600}

/* action bar */
.actions{position:sticky;bottom:0;background:rgba(247,248,248,0.94);
  backdrop-filter:blur(6px);padding:16px 0;margin-top:8px;display:flex;
  gap:12px;justify-content:flex-end;border-top:1px solid var(--border)}
.btn{border:none;border-radius:10px;font-family:var(--sans);font-size:14px;
  font-weight:600;padding:12px 22px;cursor:pointer;transition:all .15s}
.btn-primary{background:var(--teal);color:var(--navy)}
.btn-primary:hover{background:var(--teal-2)}
.btn-ghost{background:#fff;border:1px solid var(--border);color:var(--navy)}
.btn-ghost:hover{border-color:var(--navy)}

/* login */
.login-shell{min-height:100vh;display:flex}
.login-l{flex:1;background:var(--navy);color:#fff;padding:64px;display:flex;
  flex-direction:column;justify-content:space-between}
.login-brand img{height:26px;width:auto;display:block}
.login-brand-badge{font-size:10px;letter-spacing:0.18em;text-transform:uppercase;
  color:var(--teal);margin-top:12px;font-weight:600}
.login-l h1{font-size:clamp(30px,3.6vw,52px);line-height:1.08;font-weight:700;
  letter-spacing:-0.02em}
.login-l h1 em{color:var(--teal);font-style:normal}
.login-l .rule{width:42px;height:3px;background:var(--teal);margin:20px 0 18px}
.login-l p{color:rgba(255,255,255,0.65);font-size:clamp(14px,1.1vw,16px);
  line-height:1.7;max-width:420px}
.login-l .foot{font-size:11px;color:rgba(255,255,255,0.4)}
.login-r{flex:0 0 440px;display:flex;align-items:center;justify-content:center;
  padding:48px}
.login-card{width:100%;max-width:340px}
.login-card h2{font-size:24px;font-weight:600;margin-bottom:6px}
.login-card .lead{font-size:13px;color:var(--mid);margin-bottom:24px}
.login-card label{display:block;font-size:10px;font-weight:600;letter-spacing:0.1em;
  text-transform:uppercase;color:var(--mid);margin:0 0 6px}
.login-card .fld{margin-bottom:16px}
.login-card .btn-primary{width:100%;margin-top:4px}
.login-card .meta{display:block;text-align:center;font-size:12px;color:var(--mid);
  margin-top:14px;text-decoration:none}
.errlist{background:#fde8e4;color:var(--clay);border-radius:8px;padding:10px 14px;
  font-size:13px;margin-bottom:16px;list-style:none}

/* submissions table */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--border);
  border-radius:12px;overflow:hidden}
.tbl th{text-align:left;font-size:10px;text-transform:uppercase;letter-spacing:0.08em;
  color:var(--mid);background:var(--paper);padding:12px 16px}
.tbl td{padding:13px 16px;border-top:1px solid #f0f1f3;font-size:13px}
.pill{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:0.05em;
  padding:5px 14px;border-radius:999px;white-space:nowrap;display:inline-block;flex-shrink:0}
.pill.draft{background:var(--paper);color:var(--mid)}
.pill.submitted{background:var(--teal-pale);color:var(--teal-2)}

/* signup field errors */
.fielderr{color:var(--clay);font-size:12px;margin-top:5px}
.login-card input[type=text],.login-card input[type=email],
.login-card input[type=password]{width:100%}

/* forms hub */
.hub-head{margin-bottom:28px}
.hub-head h1{font-size:30px;font-weight:700;letter-spacing:-0.01em;margin-bottom:5px}
.hub-head p{color:var(--mid);font-size:14px}
.sh-label{font-size:10px;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;
  color:var(--pale);margin-bottom:14px}
.formgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));
  gap:18px;margin-bottom:8px}
.formcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--border);
  border-radius:14px;padding:24px;text-decoration:none;color:inherit;min-height:200px;
  transition:transform .15s,box-shadow .15s,border-color .15s}
.formcard:hover{transform:translateY(-3px);border-color:var(--teal-2);
  box-shadow:var(--lift)}
.formcard.is-flagged{border-left:3px solid #e0a83e}
.formcard-top{display:flex;align-items:flex-start;justify-content:space-between;
  gap:12px;margin-bottom:10px}
.formcard-name{font-size:18px;font-weight:600;line-height:1.25}
.formcard-blurb{font-size:13px;color:var(--mid);line-height:1.6}
.formcard-foot{margin-top:auto;padding-top:18px}
.formcard .progress{margin:0 0 8px;height:6px}
.formcard-foot-row{display:flex;align-items:center;justify-content:space-between;gap:10px}
.formcard-foot-row .progress-lbl{margin:0}
.formcard-cta{font-size:13px;font-weight:600;color:var(--navy)}
.pill.not_started{background:var(--paper);color:var(--mid)}
.pill.in_progress{background:#fdf3e3;color:#8a5a1a}
.pill.changes_requested{background:#fdecc8;color:#8a5a1a}
.formcard-msg{background:#fdf3e3;border-left:3px solid #e0a83e;border-radius:8px;
  padding:11px 14px;font-size:12px;color:#7a4d12;margin-bottom:14px;line-height:1.5}
.formcard-msg .clamp{display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;
  overflow:hidden}
.formcard-msg .more{display:block;margin-top:7px;font-weight:600;color:var(--navy);font-size:12px}

/* banners */
.flash.changes-banner{background:#fdf3e3;border-left-color:#e0a83e;color:#7a4d12}
.flash.locked-banner{background:var(--paper);border-left-color:var(--pale);color:var(--mid)}

/* important-information acknowledgement */
.ack-check{display:flex;align-items:flex-start;gap:11px;margin-top:18px;padding:14px 16px;
  background:var(--teal-pale);border:1px solid var(--teal);border-radius:10px;
  font-size:13px;font-weight:500;color:var(--charcoal);cursor:pointer}
.ack-check input{margin-top:1px;width:18px;height:18px;accent-color:var(--teal-2);
  flex-shrink:0;cursor:pointer}
.btn:disabled{opacity:0.45;cursor:not-allowed}
.flash.error{background:#fde8e4;border-left-color:var(--clay);color:var(--clay)}

/* read-only prose (important information + declaration wording) */
.prose{font-size:13px;color:var(--charcoal);line-height:1.65}
.prose h2{font-size:15px;font-weight:600;margin:18px 0 6px}
.prose h3{font-size:13px;font-weight:600;margin:14px 0 4px}
.prose p{margin-bottom:10px}
.prose ul,.prose ol{margin:0 0 10px 20px}
.prose li{margin-bottom:5px}
.prose a{color:var(--navy);font-weight:500}
.prose .kicker{font-size:10px;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;
  color:var(--teal-2);margin-bottom:2px}
.prose .kicker2{font-size:13px;color:var(--mid);margin-bottom:12px}
.prose .title{font-size:19px;font-weight:600;margin-bottom:14px;line-height:1.3}
.prose .title .sub{font-size:13px;color:var(--mid);font-weight:400}
.prose .decl>p{margin-bottom:10px}
.prose .dlist{list-style:none;margin:0}
.prose .dlist li{position:relative;padding-left:26px;margin-bottom:8px}
.prose .dlist .dl{position:absolute;left:0;font-weight:600;color:var(--navy)}

/* signature pad */
.sigpad{max-width:460px;margin-top:6px}
.sigpad-canvas{width:100%;height:auto;aspect-ratio:4/1;background:#fff;
  border:1px solid var(--field-border);border-radius:8px;touch-action:none;cursor:crosshair;display:block}
.sigpad-bar{display:flex;align-items:center;justify-content:space-between;margin-top:6px}
.sigpad-hint{font-size:11px;color:var(--pale)}
.sigpad-clear{background:transparent;border:none;color:var(--navy);font-family:var(--sans);
  font-size:12px;font-weight:600;cursor:pointer;padding:4px 6px}
.sigpad-clear:hover{text-decoration:underline}

/* client directory */
.invite-toggle{margin-bottom:20px}
.invite-toggle>summary{display:inline-block;list-style:none;background:#fff;border:1px solid var(--border);
  color:var(--navy);font-size:13px;font-weight:600;padding:9px 16px;border-radius:8px;
  cursor:pointer;transition:all .15s}
.invite-toggle>summary::-webkit-details-marker{display:none}
.invite-toggle>summary:hover{border-color:var(--navy)}
.invite-toggle[open]>summary{margin-bottom:8px}
.client-list{display:flex;flex-direction:column;gap:10px}
.client-row{background:#fff;border:1px solid var(--border);border-radius:12px}
.client-summary{display:flex;align-items:center;gap:14px;padding:16px 18px;cursor:pointer;list-style:none}
.client-summary::-webkit-details-marker{display:none}
.client-summary:hover{background:#fafaf7}
.client-name{font-weight:600;font-size:15px}
.client-meta{color:var(--mid);font-size:12px}
.client-chev{margin-left:auto;color:var(--pale);font-size:22px;line-height:1;transition:transform .15s}
.client-row[open] .client-chev{transform:rotate(90deg)}
.client-body{padding:2px 18px 18px;border-top:1px solid #f0f1f3;margin-top:0}
.client-contact{font-size:12px;color:var(--mid);margin:12px 0 14px}
.client-actions{margin-top:14px}
.btn-sm{display:inline-block;background:#fff;border:1px solid var(--border);color:var(--navy);
  font-size:12px;font-weight:600;padding:8px 14px;border-radius:8px;text-decoration:none;
  cursor:pointer;transition:all .15s}
.btn-sm:hover{border-color:var(--navy)}

/* assign forms (invite + manage) */
.assign-forms{margin-top:16px}
.checkset ul{list-style:none;display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:4px}
.checkset li{display:flex}
.checkset label{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--charcoal);cursor:pointer}
.checkset input{accent-color:var(--teal-2);cursor:pointer}
.assign-row{display:flex;align-items:flex-start;gap:12px;padding:14px 0;
  border-top:1px solid #f0f1f3;cursor:pointer}
.assign-row:first-child{border-top:none}
.assign-row input{margin-top:3px;accent-color:var(--teal-2);width:16px;height:16px;cursor:pointer}
.assign-row-name{font-weight:600;font-size:14px;display:block}
.assign-row-blurb{font-size:12px;color:var(--mid);display:block;margin-top:2px}
.empty-forms{background:#fff;border:1px dashed var(--border);border-radius:12px;
  padding:26px;text-align:center;color:var(--mid);font-size:13px;line-height:1.6;margin-bottom:8px}

/* invite copy-link box */
.invite-link{background:var(--teal-pale);border:1px solid var(--teal);border-radius:12px;
  padding:16px 18px;margin-bottom:20px}
.invite-link-lbl{font-size:11px;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;
  color:var(--navy);margin-bottom:10px}
.invite-link-row{display:flex;gap:10px}
.invite-link-row input{flex:1;padding:10px 12px;border:1px solid var(--field-border);
  border-radius:8px;font-family:var(--mono,monospace);font-size:12px;background:#fff;color:var(--charcoal)}
.invite-link-row .btn{white-space:nowrap}
.invite-link-hint{font-size:12px;color:var(--mid);margin-top:9px;line-height:1.5}

/* broker unlock control */
.unlock summary{display:inline-block;list-style:none;cursor:pointer}
.unlock summary::-webkit-details-marker{display:none}
.unlock-form{margin-top:10px;text-align:left;min-width:280px}
.unlock-form textarea{width:100%;padding:9px 11px;border:1px solid var(--field-border);
  border-radius:8px;font-family:var(--sans);font-size:13px;margin-bottom:8px;resize:vertical}
.unlock-form .btn{padding:9px 16px;font-size:13px}
.await{font-size:12px;color:var(--pale);font-style:italic}
.profile-note{margin-top:30px;display:flex;align-items:center;gap:14px;
  background:#fff;border:1px solid var(--border);border-radius:12px;padding:16px 18px}
.profile-note-k{font-size:13px;color:var(--charcoal);font-weight:500;margin-bottom:2px}
.profile-note a{color:var(--navy);font-weight:500;font-size:12px;text-decoration:none}
.profile-note a:hover{text-decoration:underline}

/* review — embedded PDF */
.pdf-frame{border:1px solid var(--border);border-radius:12px;overflow:hidden;
  background:#525659}
.pdf-frame iframe{width:100%;height:70vh;border:none;display:block}
.review-actions{position:sticky;bottom:0;background:rgba(247,248,248,0.94);
  backdrop-filter:blur(6px);padding:16px 0;margin-top:8px;display:flex;gap:12px;
  justify-content:flex-end;align-items:center;border-top:1px solid var(--border)}
.review-actions .btn-ghost:first-child{margin-right:auto}
a.btn{text-decoration:none;display:inline-flex;align-items:center}

@media (max-width:820px){
  .login-l{display:none}
  .login-r{flex:1}
}

/* tablet / mobile */
@media (max-width:640px){
  .tnav{padding:0 16px;gap:14px;height:58px}
  .tnav-badge, .uname{display:none}
  .tnav-links{gap:2px}
  .tnav-links a{padding:7px 9px;font-size:12px}
  .uchip-out{padding:6px 10px}
  .wrap{padding:24px 16px 90px}
  .hub-head h1{font-size:24px}
  .pagehead h1{font-size:23px}
  .section{padding:20px 16px}
  .section-title-row{flex-direction:column;align-items:flex-start;gap:8px}
  .cellgrid{grid-template-columns:1fr}
  .wiz-nav{flex-wrap:wrap;gap:10px}
  .wiz-nav-r{width:100%;margin-left:0}
  .wiz-nav-r .btn{flex:1;text-align:center;justify-content:center}
  .wiz-saved{order:-1;width:100%}
  .review-actions{flex-wrap:wrap}
  .review-actions .btn{flex:1;justify-content:center}
  .review-actions .btn-ghost:first-child{margin-right:0}
  .login-r{flex:1;padding:32px 22px}
  .pdf-frame iframe{height:60vh}
}
.dm{font-size:11px;color:var(--pale);margin-top:2px}

/* set-password hint (invite / reset) */
.pwhint{font-size:11.5px;color:var(--pale);margin-top:6px;line-height:1.5}
.pwhint strong{color:var(--mid);font-weight:600}