/* app.css — WilliamFrank Tools · canonical WealthFactor web-app design system */
:root{--nile:#212323;--nile-2:#3a3d3d;--teal:#A56330;--teal-2:#C98E54;--ink:#212323;--muted:#5b5d5d;--muted-2:#8f8b83;--line:#e7e1d6;--line-2:#efe9dd;--bg:#F7F1E8;--bg-2:#FBF7F0;--surface:#fff;--copper:#A56330;--copper-2:#B87D45;--copper-tint:#F1E4D6;--green:#2F8F5F;--green-tint:#E1EFE7;--red:#A53030;--amber:#B07A1E;--radius:14px}
*{box-sizing:border-box;margin:0}
body{background:var(--bg);color:var(--ink);font:15px/1.5 'Source Sans 3',-apple-system,'Segoe UI',Roboto,sans-serif}
.serif{font-family:'Source Serif 4',Georgia,serif}
a{color:var(--teal);text-decoration:none}
.topbar{background:#212323;display:flex;align-items:center;justify-content:space-between;padding:14px 28px}
.topbar img{height:30px}
.topbar .r{display:flex;gap:18px;align-items:center}
.topbar a{color:#9FB6BD;font-size:13px}
.prog{height:5px;background:#e7e1d6}.prog i{display:block;height:100%;background:linear-gradient(90deg,#A56330,#A56330);transition:width .4s}
.wrap{max-width:1100px;margin:0 auto;padding:26px 24px 90px}
.hero{background:#212323;color:#E8EEF0;border-radius:14px;padding:52px;position:relative;overflow:hidden;display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.hero:after{content:"";position:absolute;right:-60px;top:-40px;width:420px;height:420px;border:1px solid rgba(120,160,170,.25);transform:rotate(30deg)}
.hero h1{font-family:'Source Serif 4',Georgia,serif;font-size:38px;line-height:1.15;font-weight:600}
.hero p{color:#9FB6BD;margin:18px 0 26px;max-width:520px}
.hero .side{background:#132833;border:1px solid rgba(120,160,170,.3);border-radius:14px;padding:22px;position:relative;z-index:1}
.hero .side b{font-family:'Source Serif 4',Georgia,serif;font-weight:500;font-size:15.5px}
.hero .side .li{display:flex;gap:10px;align-items:flex-start;padding:9px 0;border-bottom:1px solid rgba(120,160,170,.18);font-size:13.5px;color:#C9D6DA}
.hero .side .li:last-child{border-bottom:0}
.hero .side .li span:first-child{color:var(--copper-2);font-weight:800}
.trust{color:#7E97A0;font-size:12.5px;margin-top:16px}
.cta{background:#A56330;color:#fff;border:0;border-radius:10px;padding:14px 26px;font-size:16px;font-weight:600;cursor:pointer;text-decoration:none;display:inline-block}
.cta:hover{filter:brightness(1.07)}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 1px 2px rgba(33,35,35,.05)}
.card h2{font-family:'Source Serif 4',Georgia,serif;font-size:22px;font-weight:600;margin-bottom:6px}
.kick{font-size:11px;letter-spacing:.8px;text-transform:uppercase;color:#5b5d5d;margin-bottom:12px}
label{display:block;font-size:12px;font-weight:700;color:var(--muted);margin-top:14px;letter-spacing:.04em;text-transform:uppercase}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:10px;font-size:15px;margin-top:8px;font-family:inherit;background:#fff;color:var(--ink)}
textarea{resize:vertical}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.stage{display:grid;grid-template-columns:1.15fr .85fr;gap:26px;max-width:1100px;width:100%;margin:0 auto;padding:30px 24px 60px;align-items:start}
.chat{display:flex;flex-direction:column;gap:14px}
.msg{display:flex;gap:10px;align-items:flex-start;max-width:92%}
.msg img{width:30px;height:30px;border-radius:8px;flex:none;margin-top:2px}
.msg .b{background:#fff;border:1px solid #e7e1d6;border-radius:4px 14px 14px 14px;padding:13px 16px;font-size:14.5px}
.msg.me{align-self:flex-end}
.msg.me .b{background:#212323;color:#fff;border:0;border-radius:14px 4px 14px 14px}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:4px 0 0 40px}
.chip{background:#fff;border:1px solid #A56330;color:#A56330;border-radius:20px;padding:9px 18px;font-size:13.5px;font-weight:600;cursor:pointer;font-family:inherit}
.chip:hover{background:#A56330;color:#fff}
.wfc{margin:14px 0 0 40px;background:#fff;border:1px solid #e7e1d6;border-radius:16px;box-shadow:0 1px 2px rgba(33,35,35,.05)}
.wfc-top{display:flex;gap:10px;align-items:flex-start;padding:14px 16px 6px}
.wfc-top img{width:28px;height:28px;border-radius:7px;flex:none;margin-top:2px}
.wfc-top textarea{flex:1;border:0;outline:0;resize:none;font:14.5px/1.5 'Source Sans 3',sans-serif;color:#212323;background:transparent;min-height:44px;margin:0;padding:0}
.wfc-top input{flex:1;border:0;outline:0;font:14.5px/1.5 'Source Sans 3',sans-serif;color:#212323;background:transparent;margin:5px 0 0;padding:0;min-height:24px;border-radius:0}
.wfc-tools{display:flex;align-items:center;gap:6px;padding:6px 12px 12px 12px}
.wfc-ic{width:32px;height:32px;border:0;background:transparent;border-radius:8px;color:#5b5d5d;cursor:pointer;display:flex;align-items:center;justify-content:center}
.wfc-ic:hover{background:#F7F1E8;color:#212323}
.wfc-ic svg{width:16px;height:16px}
.wfc-send{margin-left:auto;display:flex;align-items:center;gap:8px;background:#A56330;color:#fff;border:0;border-radius:22px;padding:9px 18px;font-weight:700;font-size:13.5px;cursor:pointer}
.wfc-send img{width:16px;height:16px}
.wfc-send:hover{filter:brightness(1.07)}
.panel{background:#fff;border:1px solid #e7e1d6;border-radius:16px;padding:20px;position:sticky;top:24px}
.panel h3{font-size:13px;text-transform:uppercase;letter-spacing:.6px;color:#5b5d5d;margin-bottom:12px}
.prow{display:flex;justify-content:space-between;align-items:center;padding:11px 0;border-top:1px solid #F7F1E8;font-size:13.5px;opacity:.35;transition:opacity .4s}
.prow.on{opacity:1}
.prow b{display:block}.prow small{color:#5b5d5d}
.prow .v{font-weight:700;white-space:nowrap}
.prow .ok{color:#2F8F5F;font-weight:800;margin-left:6px}
.pbar{height:5px;background:#e7e1d6;border-radius:4px;overflow:hidden;margin-top:14px}
.pbar i{display:block;height:100%;width:10%;background:linear-gradient(90deg,#A56330,#A56330);transition:width .4s}
.donebar{display:none;background:#212323;color:#fff;border-radius:14px;padding:16px 20px;margin-top:14px;align-items:center;justify-content:space-between;gap:14px}
.donebar small{color:#9FB6BD;display:block;font-size:12px}
.donebar b{font-family:'Source Serif 4',Georgia,serif;font-size:17px;font-weight:500}
.donebar a{background:#A56330;color:#fff;border-radius:9px;padding:11px 18px;font-weight:600;font-size:13.5px;text-decoration:none;white-space:nowrap}
.drop{border:2px dashed var(--line);border-radius:14px;padding:38px;text-align:center;color:var(--muted);background:#FAFBFC;cursor:pointer}
.drop:hover{border-color:#A56330;color:#A56330}
.drop b{font-family:'Source Serif 4',Georgia,serif;font-size:16px;color:var(--ink);display:block;margin-bottom:4px}
.disc{background:#F1E4D6;border-radius:10px;padding:10px 14px;font-size:13px;color:#6B4A28;margin-top:14px}
.ev3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.ev{border:1px solid var(--line);border-radius:14px;padding:16px;background:#fff}
.ev .sc{font-size:24px;font-weight:700}.ev .sc small{font-size:12px;color:var(--muted);font-weight:400}
.ev h4{margin:4px 0 6px;font-size:12.5px;text-transform:uppercase;letter-spacing:.4px;color:var(--muted)}
.ev p{font-size:13px}
.ev .est{color:var(--muted);font-size:11px;margin-top:6px}
.revealgrid{display:grid;grid-template-columns:300px 1fr;gap:30px;align-items:center}
.gauge{width:230px;display:block;margin:0 auto}
.g-cap{font-size:12.5px;color:var(--muted);margin-top:5px;text-align:center}
.draft{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;font-size:14.5px;line-height:1.7}
.draft .vm{background:var(--copper-tint);border-radius:4px;padding:0 3px}
.check{display:flex;gap:10px;padding:10px 0;border-top:1px solid #F7F1E8;font-size:13px;align-items:flex-start}
.check .ic{font-weight:800;flex:none}
.check .ok{color:var(--green)}.check .warn{color:var(--amber)}
.check small{color:var(--muted);display:block}
.ribbon{position:fixed;left:14px;bottom:14px;background:#212323;color:#fff;font-size:10.5px;font-weight:700;letter-spacing:.08em;border-radius:999px;padding:7px 14px;opacity:.85;z-index:90}
@media(max-width:900px){.hero,.stage,.revealgrid,.g2,.ev3{grid-template-columns:1fr}}

/* --- shared demo-state ribbon (WealthFactor Planner-v1 convention), drafts/history rows, terms gate · 2026-07-21 --- */
.stateribbon{position:fixed;left:14px;bottom:14px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px 12px;font-size:11.5px;color:var(--muted);z-index:90;box-shadow:0 8px 24px -12px rgba(33,35,35,.3)}
.stateribbon b{color:var(--ink)}
.stateribbon a{color:var(--copper);font-weight:700;text-decoration:none}
.dlist{margin-top:14px}
.dlist .kick{margin-bottom:2px}
.drow{display:flex;align-items:center;gap:12px;width:100%;text-align:left;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin-top:8px;cursor:pointer;font:inherit;color:var(--ink)}
.drow:hover{border-color:var(--copper)}
.drow .t{min-width:0}
.drow .t b{display:block;font-family:'Source Serif 4',Georgia,serif;font-size:15px;font-weight:600}
.drow .t small{color:var(--muted);font-size:12px}
.drow .when{margin-left:auto;font-size:12px;color:var(--muted);white-space:nowrap}
.drow .score{font-weight:700;color:var(--copper);white-space:nowrap}
.tos{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:4px 0 0 40px}
.tos input[type=checkbox]{width:18px;height:18px;margin:2px 0 0;flex:none;cursor:pointer;accent-color:var(--copper)}
.tos label{font-size:13.5px;font-weight:400;color:var(--ink);text-transform:none;letter-spacing:0;margin:0;line-height:1.55;cursor:pointer}
.tos label b{font-weight:600}
.tos.ok{border-color:var(--copper);background:var(--copper-tint)}
.wfc.locked{opacity:.55}

/* --- Pattern D/E: composer ✦ spark + in-bubble suggestion docks (approved input standard) · 2026-07-22 --- */
.spark-btn{width:32px;height:32px;border:0;background:transparent;border-radius:8px;display:grid;place-items:center;color:var(--muted);cursor:pointer;flex:none;align-self:center;font-family:inherit;padding:0}
.spark-btn:hover{background:var(--bg);color:var(--ink)}
.spark-btn svg{width:15px;height:15px}
.spark-btn.on{background:var(--copper-tint);color:var(--copper)}
.b .dock,.cv-b .dock,.as-bubble .dock{display:flex;flex-wrap:nowrap;overflow:hidden;gap:8px;margin-top:10px;padding-top:10px;border-top:1px dashed var(--line)}
.b .dock .chip,.cv-b .dock .cv-chip,.as-bubble .dock .as-chip{white-space:nowrap;flex:none}
.dock.wrap{flex-wrap:wrap;overflow:visible}
.b.has-dock,.cv-b.has-dock,.as-bubble.has-dock{max-width:none}
.b .picked,.cv-b .picked,.as-bubble .picked{margin-top:10px;padding-top:10px;border-top:1px dashed var(--line);font-size:13px;color:var(--muted)}
.picked b{color:var(--copper)}
.picked .ok{color:var(--green);font-weight:800}