:root {
  --v3-navy: #0a1b45;
  --v3-ink: #1e2a56;
  --v3-ink-2: #3b4878;
  --v3-ink-3: #6b76a0;
  --v3-blue: #2851f0;
  --v3-blue-strong: #1e3fcc;
  --v3-blue-soft: #dde6ff;
  --v3-blue-tint: #eef2ff;
  --v3-bg: #f2f5ff;
  --v3-bg-2: #e7edfe;
  --v3-surface: #fff;
  --v3-line: #e0e6f5;
  --v3-display: Georgia, serif;
  --v3-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  --v3-mono: ui-monospace, Menlo, monospace;
  --v3-pill: 999px;
  --v3-shadow-card: 0 1px 0 rgba(10, 27, 69, 0.04), 0 20px 40px -28px rgba(10, 27, 69, 0.16);
  --v3-shadow-cta: 0 12px 28px -10px rgba(40, 81, 240, 0.55), 0 2px 0 rgba(30, 63, 204, 0.2) inset;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  min-height: 100vh;
  color: var(--v3-ink);
  font-family: var(--v3-sans);
  background:
    radial-gradient(80% 60% at 80% -10%, rgba(40, 81, 240, 0.1), transparent 65%),
    radial-gradient(60% 50% at 0% 100%, rgba(40, 81, 240, 0.06), transparent 65%),
    linear-gradient(180deg, var(--v3-bg) 0%, var(--v3-bg-2) 100%);
  -webkit-font-smoothing: antialiased;
}

button,
input,
select,
textarea { font: inherit; }

button,
a.button-link {
  cursor: pointer;
  transition: transform 160ms ease, box-shadow 160ms ease, background-color 160ms ease, border-color 160ms ease, color 160ms ease;
}

button:disabled {
  opacity: 0.58;
  cursor: not-allowed;
  transform: none;
}

a { color: inherit; }

[hidden] { display: none !important; }

.skip-link {
  position: absolute;
  inset-inline-start: -9999px;
  top: 12px;
  z-index: 1000;
  padding: 10px 14px;
  border-radius: 12px;
  background: #0f1f5c;
  color: #fff;
  font-weight: 600;
}

.skip-link:focus {
  inset-inline-start: 12px;
  outline: 2px solid #fff;
}

body.v4-skin .wizard-site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  border-bottom: 1px solid rgba(15, 31, 92, 0.08);
  background: #fff;
  backdrop-filter: saturate(140%) blur(6px);
}

body.v4-skin .wizard-site-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  max-width: 1280px;
  margin: 0 auto;
  padding: 14px 22px;
}

body.v4-skin .wizard-brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #0f1f5c;
  font-family: var(--v3-display);
  text-decoration: none;
}

body.v4-skin .wizard-brand-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 12px;
  background: linear-gradient(135deg, #2851f0 0%, #0f1f5c 100%);
  color: #fff;
  font-family: var(--v3-display);
  font-size: 22px;
  box-shadow: 0 6px 16px -8px rgba(40, 81, 240, 0.55);
}

body.v4-skin .wizard-brand-word {
  font-size: 1.35rem;
  letter-spacing: -0.01em;
}

body.v4-skin .wizard-primary-nav,
body.v4-skin .wizard-locale-switcher,
body.v4-skin .toolbar-actions,
.inline-actions,
.nav-row,
.field-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
}

body.v4-skin .wizard-primary-nav { gap: 18px; }

body.v4-skin .wizard-nav-link {
  color: #0f1f5c;
  font-size: 0.92rem;
  font-weight: 500;
  text-decoration: none;
  opacity: 0.86;
}

body.v4-skin .wizard-locale-switcher {
  gap: 4px;
  padding: 4px;
  border-radius: var(--v3-pill);
  background: rgba(40, 81, 240, 0.08);
}

body.v4-skin .wizard-locale-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 30px;
  height: 26px;
  padding: 0 8px;
  border-radius: var(--v3-pill);
  color: #0f1f5c;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-decoration: none;
}

body.v4-skin .wizard-nav-cta {
  display: inline-flex;
  align-items: center;
  padding: 9px 16px;
  border-radius: var(--v3-pill);
  background: var(--v3-blue);
  color: #fff;
  font-size: 0.88rem;
  font-weight: 600;
  text-decoration: none;
  box-shadow: 0 8px 18px -10px rgba(40, 81, 240, 0.65);
}

body.v4-skin .shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 360px);
  gap: 28px;
  max-width: 1280px;
  margin: 0 auto;
  padding: 28px 32px 56px;
}

body.v4-skin .content {
  display: grid;
  align-content: start;
  gap: 20px;
}

body.v4-skin .sidebar {
  order: 2;
  position: sticky;
  top: 24px;
  height: auto;
  max-height: calc(100vh - 48px);
}

body.v4-skin .sidebar-shell,
body.v4-skin .hero-card,
body.v4-skin .stage-panel,
body.v4-skin .stage-card,
body.v4-skin .sidebar-card,
.panel,
.alert,
.toast,
.inline-note,
.result-card {
  border: 1px solid var(--v3-line);
  background: var(--v3-surface);
  box-shadow: var(--v3-shadow-card);
}

body.v4-skin .sidebar-shell {
  overflow: auto;
  padding: 22px;
  border-radius: 22px;
}

body.v4-skin .sidebar-card {
  margin-top: 14px;
  padding: 14px 0 0;
  border-width: 1px 0 0;
  box-shadow: none;
  background: transparent;
}

body.v4-skin .sidebar-card:first-of-type {
  margin-top: 12px;
  padding-top: 0;
  border-top: 0;
}

body.v4-skin .sidebar-brand h1,
body.v4-skin #hero-title,
body.v4-skin .panel-header h2,
body.v4-skin .stage-block-head h3 {
  margin: 0 0 10px;
  color: var(--v3-navy);
  font-family: var(--v3-display);
  font-weight: 400;
  letter-spacing: -0.012em;
}

body.v4-skin .sidebar-brand h1 {
  font-size: 22px;
  line-height: 1.15;
}

body.v4-skin .sidebar-brand .lede,
body.v4-skin #hero-copy,
body.v4-skin .panel-header p,
body.v4-skin .question-description,
body.v4-skin #quote-meta,
.muted-line,
.field small {
  color: var(--v3-ink-3);
  line-height: 1.55;
}

body.v4-skin .eyebrow,
body.v4-skin .panel-step-label {
  margin: 0 0 10px;
  color: var(--v3-blue);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

body.v4-skin #quote-meta {
  margin: 0;
  font-family: var(--v3-mono);
  font-size: 13px;
  font-weight: 600;
  color: var(--v3-navy);
}

body.v4-skin .stepper {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

body.v4-skin .step-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border: 1px solid transparent;
  border-radius: 12px;
  background: transparent;
  color: var(--v3-ink-3);
  font-size: 13px;
  text-align: left;
}

body.v4-skin .toolbar {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 18px;
  padding: 0;
  border: 0;
  background: transparent;
  box-shadow: none;
}

.sr-only-shell { display: none !important; }

body.v4-skin .toolbar-actions {
  justify-content: flex-end;
}

body.v4-skin .hero-card {
  display: block;
  min-height: 0;
  padding: 22px 28px;
  border-radius: 22px;
}

body.v4-skin #hero-title {
  font-size: clamp(1.8rem, 1.3rem + 1vw, 2.6rem);
  line-height: 1.04;
}

body.v4-skin #hero-copy {
  max-width: 62ch;
  margin: 0;
  color: var(--v3-ink-2);
  font-size: 15px;
}

body.v4-skin .hero-metrics {
  display: block;
  margin-top: 18px;
}

body.v4-skin .client-flow-shell,
body.v4-skin .results-shell,
body.v4-skin .stage-card {
  display: grid;
  gap: 16px;
}

body.v4-skin .stage-card {
  border: 0;
  background: transparent;
  box-shadow: none;
}

body.v4-skin .stage-panel {
  padding: clamp(24px, 3vw, 40px);
  border-radius: 28px;
}

.grid,
.choice-grid,
.mini-form-grid,
.toggle-grid,
.field-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 14px;
}

body.v4-skin .choice-grid {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

body.v4-skin .choice-card,
body.v4-skin .toggle-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 22px;
  border: 1.5px solid var(--v3-line);
  border-radius: 22px;
  background: var(--v3-surface);
  text-align: left;
}

body.v4-skin .choice-title {
  margin: 0 0 2px;
  color: var(--v3-navy);
  font-size: 15px;
  font-weight: 600;
}

body.v4-skin .choice-note {
  color: var(--v3-ink-3);
  font-size: 13px;
  line-height: 1.45;
}

input,
select,
textarea {
  width: 100%;
  min-height: 52px;
  padding: 14px 16px;
  border: 1px solid rgba(130, 148, 176, 0.24);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.88);
  color: var(--v3-ink);
}

button,
a.button-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 0 18px;
  border: 1px solid rgba(130, 148, 176, 0.22);
  border-radius: var(--v3-pill);
  background: #fff;
  color: var(--v3-navy);
  font-weight: 700;
  text-decoration: none;
}

body.v4-skin button.primary,
body.v4-skin a.primary,
button.primary,
a.button-link.primary {
  border: 0;
  background: var(--v3-blue);
  color: #fff;
  box-shadow: var(--v3-shadow-cta);
}

body.v4-skin button.secondary,
body.v4-skin a.secondary,
button.secondary,
a.button-link.secondary {
  border: 1px solid var(--v3-line);
  background: var(--v3-surface);
  color: var(--v3-navy);
  box-shadow: none;
}

body.v4-skin #new-quote-btn {
  min-width: 0;
  min-height: 0;
  padding: 12px 18px;
  border: 1px solid var(--v3-line);
  background: var(--v3-surface);
  color: var(--v3-navy);
  font-size: 13px;
  font-weight: 600;
  box-shadow: none;
}

.stage-actions-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
}

body.v4-skin .stage-actions-inner {
  padding: 8px 0 0;
  border: 0;
  background: transparent;
  box-shadow: none;
}

#global-alert:empty,
#toast-stack:empty,
#prototype-banner:empty,
.mobile-summary-shell:empty,
.hero-metrics:empty,
#normalized-context:empty,
#result-panel:empty,
#frontend-diagnostics-panel:empty {
  display: none;
}

.wizard-site-footer {
  margin-top: 0;
  border-top: 1px solid rgba(15, 31, 92, 0.1);
  background: #0f1f5c;
  color: rgba(255, 255, 255, 0.72);
}

.wizard-footer-inner {
  display: grid;
  grid-template-columns: minmax(220px, 1fr) auto auto;
  align-items: center;
  gap: 22px;
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
  padding: 34px 0;
}

.wizard-footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 14px 18px;
}

.wizard-footer-links a {
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.92rem;
  font-weight: 700;
  text-decoration: none;
}

.wizard-footer-note {
  justify-self: end;
  margin: 0;
  white-space: nowrap;
}

@media (max-width: 980px) {
  body.v4-skin .shell {
    grid-template-columns: 1fr;
    gap: 14px;
    padding: 14px;
  }

  body.v4-skin .sidebar {
    display: none;
  }

  body.v4-skin .toolbar-actions {
    width: 100%;
    justify-content: stretch;
    gap: 8px;
  }

  body.v4-skin .toolbar-actions > button {
    flex: 1 1 0;
    min-width: 0;
  }

  body.v4-skin .hero-card {
    padding: 22px 18px;
    border-radius: 26px;
  }

  body.v4-skin #hero-title {
    max-width: 11ch;
    font-size: clamp(2rem, 8vw, 2.8rem);
  }

  .choice-grid,
  .mini-form-grid,
  .toggle-grid,
  .field-grid {
    grid-template-columns: 1fr;
  }

  .stage-actions-inner {
    flex-direction: column;
    align-items: stretch;
  }

  .stage-actions-inner > * {
    width: 100%;
  }
}

@media (max-width: 860px) {
  body.v4-skin .wizard-site-header-inner {
    gap: 10px;
    padding: 10px 14px;
  }

  body.v4-skin .wizard-brand-word,
  body.v4-skin .wizard-nav-link {
    display: none;
  }

  body.v4-skin .wizard-primary-nav {
    gap: 10px;
  }

  body.v4-skin .wizard-nav-cta {
    padding: 7px 12px;
    font-size: 0.82rem;
  }

  body.v4-skin .wizard-locale-link {
    min-width: 28px;
    height: 24px;
    font-size: 0.72rem;
  }
}

@media (max-width: 820px) {
  .wizard-footer-inner {
    grid-template-columns: 1fr;
    justify-items: start;
  }

  .wizard-footer-links {
    justify-content: flex-start;
  }

  .wizard-footer-note {
    justify-self: start;
    white-space: normal;
  }
}

@media (max-width: 480px) {
  body.v4-skin .shell {
    padding: 12px;
  }

  body.v4-skin .hero-card,
  body.v4-skin .stage-panel {
    padding: 18px 14px 16px;
  }

  body.v4-skin #hero-title {
    font-size: clamp(1.8rem, 10vw, 2.35rem);
  }
}