:root{--blue:#11599d;--blue-dark:#073c71;--ink:#122940;--muted:#5c6e80;--line:#dce6ef;--pale:#f5faff;--panel:#fff;--shadow:0 14px 50px rgba(16,60,100,.075);--green:#176950;--red:#aa3434;--radius:20px;color-scheme:light}*{box-sizing:border-box}html{font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--pale);scroll-behavior:smooth}body{margin:0}button,input,select{font:inherit}button{cursor:pointer}button:focus-visible,input:focus-visible,select:focus-visible,a:focus-visible{outline:3px solid #59a8e8;outline-offset:2px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.app-shell{max-width:1120px;margin:auto;padding:0 24px}.site-header{display:flex;align-items:center;justify-content:space-between;min-height:94px;border-bottom:1px solid var(--line);gap:12px}.brand-wrap{display:flex;align-items:center;gap:9px}.brand-icon{width:47px;height:47px}.brand-text{display:flex;flex-direction:column;line-height:1.1}.brand-text small{font-size:10px;letter-spacing:.18em;font-weight:700;color:var(--muted)}.brand-text strong{font-size:22px;letter-spacing:.02em}.brand-text strong span{color:var(--blue)}.header-actions{display:flex;align-items:center;gap:12px}.prototype{font-size:12px;background:#e4effb;color:var(--blue-dark);font-weight:700;border-radius:100px;padding:7px 11px}.header-actions select{border:1px solid var(--line);background:#fff;border-radius:12px;padding:10px 12px;color:var(--ink);min-height:44px}.hero{padding:32px 0 27px}.overline{font-size:11px;font-weight:800;color:var(--blue);letter-spacing:.15em;margin:0 0 12px}.hero h1{font-size:clamp(27px,4vw,43px);letter-spacing:-.035em;line-height:1.15;margin:0 0 14px}.hero h1 span{color:var(--blue)}.hero p:not(.overline){color:var(--muted);line-height:1.6;max-width:660px;margin:0}.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;align-items:start;gap:22px}.wizard-card,.summary-card{border:1px solid var(--line);box-shadow:var(--shadow);background:var(--panel);border-radius:var(--radius)}.wizard-card{padding:29px 30px;min-width:0;min-height:490px}.progress-top{display:flex;justify-content:space-between;font-size:12px;color:var(--muted);font-weight:700;margin-bottom:11px}.progress-bars{display:grid;grid-template-columns:repeat(5,1fr);gap:6px;margin-bottom:28px}.progress-bars i{height:5px;border-radius:6px;background:#e5ecf4}.progress-bars i.on{background:var(--blue)}.step-kicker{color:var(--blue);letter-spacing:.1em;font-size:11px;font-weight:800;text-transform:uppercase;margin-bottom:6px}.step-title{font-size:clamp(23px,3.5vw,30px);line-height:1.2;letter-spacing:-.03em;margin:0 0 8px}.step-intro{margin:0 0 23px;color:var(--muted);font-size:14px;line-height:1.55}.fields{display:grid;gap:15px}.field{display:flex;flex-direction:column;gap:6px;min-width:0}.field label{font-size:13px;font-weight:750}.field small,.hint{font-size:12px;line-height:1.45;color:var(--muted)}.field input,.field select{width:100%;border:1px solid #cddbe9;border-radius:13px;padding:13px 14px;min-height:50px;color:var(--ink);background:white;font-size:16px}.field input:focus{border-color:#3380c1}.two-col{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.three-col{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:11px}.number-input{display:flex;align-items:center;gap:5px}.number-input input{flex:1;min-width:0;text-align:right}.small-button{min-width:44px;height:49px;border:1px solid #cbdceb;background:#f8fbff;color:#095088;border-radius:13px;font-size:21px}.soft-card{background:#f5f9fe;border:1px solid #e0e9f4;border-radius:14px;padding:13px}.entry{display:flex;gap:10px;align-items:center;justify-content:space-between;padding:11px 0;border-bottom:1px solid #e5edf4}.entry:last-child{border-bottom:0}.entry strong{font-size:14px}.entry p{margin:4px 0 0;font-size:12px;color:var(--muted)}.inline-actions{display:flex;gap:9px;flex-wrap:wrap}.btn{border-radius:13px;border:1px solid transparent;min-height:47px;padding:11px 18px;font-size:14px;font-weight:750;display:inline-flex;align-items:center;justify-content:center;gap:9px;text-decoration:none}.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-dark)}.btn-ghost{background:#fff;border-color:#d8e4ef;color:#244562}.btn-outline{background:#e9f3ff;color:var(--blue-dark)}.btn-danger{background:#fff6f6;color:var(--red);border-color:#f3d7d7}.btn:disabled{opacity:.45;cursor:not-allowed}.wizard-actions{display:flex;justify-content:space-between;gap:14px;margin-top:30px;padding-top:20px;border-top:1px solid var(--line)}.summary-card{padding:23px;position:sticky;top:14px}.summary-heading{display:flex;align-items:center;justify-content:space-between;font-size:13px;font-weight:800}.live-dot{height:8px;width:8px;border-radius:50%;background:#3eb4a1}.summary-label{font-size:12px;color:var(--muted);margin:25px 0 6px}.summary-amount{font-size:35px;font-weight:800;letter-spacing:-.04em}.summary-mini{border-top:1px solid var(--line);margin-top:20px;padding-top:15px;display:grid;gap:14px}.summary-mini div{display:flex;justify-content:space-between;gap:10px;align-items:center;font-size:13px}.summary-mini span{color:var(--muted)}.summary-mini strong{font-size:17px}.summary-note{font-size:11px;color:var(--muted);line-height:1.55;margin:20px 0 0}.aside-note{display:flex;gap:11px;margin:18px 8px;color:#486880;font-size:12px;line-height:1.65}.aside-note span{color:#0d80be}.aside-note p{margin:0}.footer{display:flex;justify-content:space-between;gap:15px;border-top:1px solid var(--line);margin:30px 0 15px;padding:19px 0;color:var(--muted);font-size:11px}.warning{border-left:3px solid #d8a321;background:#fff9e8;padding:12px 14px;border-radius:8px;font-size:12px;line-height:1.5;color:#725515}.error{padding:12px 14px;margin-top:12px;color:#953232;background:#fff2f2;border-radius:12px;font-size:13px}.info-list{display:grid;gap:8px;margin:16px 0}.info-line{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #e5edf4;padding:9px 0;font-size:13px}.info-line span{color:var(--muted)}.info-line strong{text-align:right}.main-result{padding:17px;border:1px solid #d7e6f4;border-radius:16px;background:linear-gradient(155deg,#f4faff,#fff)}.main-result h3{margin:0;font-size:13px;color:var(--muted)}.main-result strong{display:block;font-size:32px;margin-top:6px;letter-spacing:-.035em}.main-result p{font-size:12px;color:var(--muted);margin:7px 0 0}.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:15px 0}.result-grid .soft-card strong{font-size:22px;display:block;margin:6px 0}.result-grid .soft-card span{font-size:12px;color:var(--muted)}.positive{color:var(--green)}.negative{color:var(--red)}.note-box{font-size:12px;line-height:1.5;color:var(--muted);border:1px solid var(--line);padding:12px;border-radius:12px}.link{color:var(--blue);text-decoration:underline;text-underline-offset:3px;font-weight:700}.muted{color:var(--muted)}.market-band{font-size:13px;border-radius:12px;padding:11px;background:#f0f7ff}.print-only{display:none}.money{white-space:nowrap}.label-small{font-size:12px;color:var(--muted)}
@media(max-width:810px){.layout{grid-template-columns:1fr}.summary{order:-1}.summary-card{position:static;padding:17px 19px}.summary-amount{font-size:29px}.summary-mini{grid-template-columns:1fr 1fr;gap:10px}.summary-mini div{align-items:start;display:flex;flex-direction:column;gap:3px}.summary-note,.aside-note{display:none}.hero{padding:23px 0 19px}.wizard-card{padding:23px 20px;min-height:380px}}
@media(max-width:520px){.app-shell{padding:0 13px}.site-header{min-height:75px}.brand-icon{width:36px;height:36px}.brand-text strong{font-size:18px}.brand-text small{font-size:8px}.prototype{display:none}.hero h1{font-size:27px}.hero p:not(.overline){font-size:13px}.wizard-card{padding:20px 15px;border-radius:17px}.two-col{grid-template-columns:1fr}.three-col{grid-template-columns:1fr 1fr}.three-col .field:first-child{grid-column:1/-1}.wizard-actions{position:sticky;bottom:0;background:rgba(255,255,255,.98);padding:13px 0 calc(12px + env(safe-area-inset-bottom));margin:15px -2px -12px;z-index:2}.wizard-actions .btn{flex:1;min-width:0}.footer{flex-direction:column;gap:5px}.summary{order:0}.summary-card{border-radius:17px}.result-grid{grid-template-columns:1fr 1fr}.result-grid .soft-card strong{font-size:18px}.info-line strong{max-width:56%}}
@media print{body{background:white}.site-header,.hero,.progress-top,.progress-bars,.wizard-actions,.summary,.footer,.no-print,.field,.btn,.prototype{display:none!important}.app-shell{max-width:100%;padding:0}.layout{display:block}.wizard-card{border:0;box-shadow:none;padding:0}.print-only{display:block}.result-grid,.info-list,.main-result{break-inside:avoid}.main-result{border:1px solid #bbb}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
/* v0.3: mobile-first quote preview and accessible fixed action */
blockquote{margin:12px 0}.section-hint{font-size:13px;color:var(--muted);line-height:1.55}.steps-caption{font-size:12px;color:var(--blue);font-weight:800;letter-spacing:.08em}.field textarea{width:100%;border:1px solid #cddbe9;border-radius:13px;padding:13px 14px;min-height:78px;background:white;font:inherit;font-size:16px;resize:vertical}.field input[type=checkbox]{width:20px;min-height:20px}.material-editor,.market-editor{padding:12px;border-radius:13px;background:#f7faff;border:1px solid #dfebf5;margin-bottom:12px}.wide{width:100%}.muted-input{background:#f6faff!important}.note-flag{font-size:11px;color:#77582b}.output-actions{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-top:14px}.output-actions .btn{font-size:13px;padding:10px}.output-actions .wide{grid-column:1/-1}.pill{display:inline-block;border:1px solid #c3d9ea;padding:6px 9px;font-size:11px;border-radius:30px;color:var(--blue)}.note-live{margin-top:14px;padding:12px;border-radius:10px;background:#f0f6fc;font-size:12px;color:var(--muted)}.quote-preview{border:1px solid var(--line);border-radius:12px;background:#fff;padding:15px;font-size:12px;color:var(--ink);position:relative;overflow:hidden}.quote-preview h3{font-size:21px;color:var(--blue-dark);margin:7px 0}.quote-preview .draft-mark{color:#a14d32;font-size:12px;font-weight:800;letter-spacing:.08em}.quote-preview table{width:100%;border-collapse:collapse;font-size:11px}.quote-preview th,.quote-preview td{text-align:left;padding:8px 5px;border-bottom:1px solid var(--line)}.quote-preview th:last-child,.quote-preview td:last-child{text-align:right}.quote-preview .quote-total{font-size:20px;font-weight:850;text-align:right;margin-top:16px}.paper-company{display:flex;justify-content:space-between;gap:20px}.paper-company div{flex:1;min-width:0}.paper-company p{margin:5px 0}.paper-header{display:flex;justify-content:space-between;border-bottom:3px solid #11599d;padding-bottom:14px;margin-bottom:17px}.paper-header strong{font-size:24px;color:#123b64}.paper-footer{font-size:11px;color:#64788a;margin-top:25px;padding-top:15px;border-top:1px solid #d9e5ef}.preview-alert{padding:9px;border-radius:9px;background:#fff4ea;color:#9a4c18;font-size:12px;margin:12px 0}.mandatory-list{padding-left:19px;color:#844820;font-size:12px}.pdf-document{display:none}.chip-ghost{font-size:10px;color:var(--muted)}
@media(max-width:520px){.output-actions{grid-template-columns:1fr}.output-actions .wide{grid-column:auto}.paper-company{flex-direction:column;gap:8px}.quote-preview{padding:12px}.quote-preview table{font-size:10px}.quote-preview td,.quote-preview th{padding:6px 3px}}
@page{size:A4;margin:15mm}
@media print{
 body{background:white!important;color:#1b2d3e!important}
 .app-shell{display:none!important}
 .pdf-document{display:block!important;max-width:100%;width:100%;color:#1b2d3e;font:12pt Arial,Helvetica,sans-serif}
 .pdf-document .quote-preview{border:0;border-radius:0;padding:0;font-size:11pt}
 .pdf-document .quote-preview table{font-size:10pt}
 .pdf-document .quote-preview th,.pdf-document .quote-preview td{border-bottom:1px solid #d0dce4;padding:9px 6px}
 .pdf-document .quote-preview .draft-mark{font-size:14pt}
 .pdf-document .quote-preview .quote-total{font-size:18pt}
 .pdf-document .quote-preview .paper-header{margin:0 0 25px}
 .pdf-document .preview-alert{border:1px solid #b57d46;background:white}
 }

.action-gap{margin-top:9px}.row-check{flex-direction:row!important;align-items:center!important}.mark-check{width:20px!important;height:20px!important;min-height:20px!important;flex:none}
/* v0.4: friendly per-field help, responsive profession selector and universal quote line editor */
.help-btn{position:absolute;right:0;top:-4px;min-width:34px;min-height:34px;border:1px solid #b8d2eb;background:#eef7ff;color:#064777;border-radius:50%;font-size:16px;font-weight:800;display:grid;place-items:center;cursor:pointer;z-index:1}
.field{position:relative}.field>.help-btn{right:0}.field>label{padding-right:40px;min-height:26px;display:flex;align-items:center}
.field>label.row-check{padding-right:40px}.field select{width:100%;border:1px solid #cddbe9;border-radius:13px;padding:13px 14px;min-height:50px;background:#fff;font:inherit;color:var(--ink);font-size:16px}
.help-btn:hover,.help-btn:focus-visible{outline:2px solid #267eb5;outline-offset:2px}
.help-settings{min-width:42px;min-height:42px;background:#f3f8fe;color:#064b84;border:1px solid #c9dff0;border-radius:12px;font-size:21px;cursor:pointer;margin-left:6px}
.help-dialog{border:1px solid #c7dbea;box-shadow:0 18px 55px #0b355a38;border-radius:19px;padding:24px;max-width:min(460px,calc(100vw - 34px));width:100%;color:#132e49;background:#fff}
.help-dialog::backdrop{background:#081c35a8}.help-dialog h3{font-size:21px;margin:0 0 12px}.help-dialog p{line-height:1.65;font-size:16px;margin:0 0 20px}
.setting-toggle{display:flex;align-items:center;gap:12px;padding:14px 0;line-height:1.4}.setting-toggle input{width:24px;height:24px;accent-color:#0e62a0}
.addon-panel{margin:18px 0;padding:15px;border:1px solid #d7e6f5;background:linear-gradient(155deg,#f9fcff,#eff6ff);border-radius:16px}
.addon-panel h3{margin:0 0 7px;font-size:18px;color:#114b7d}.addon-panel .inline-actions{margin-top:10px}
.addon-panel .inline-actions .btn{min-height:45px}.add-line{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:stretch;gap:9px;margin:16px 0}
.add-line select{min-width:0;max-width:100%;border:1px solid #cbdceb;border-radius:12px;background:white;color:#163a5c;padding:10px;font-size:15px}
.addon-editor{border:1px solid #dae8f4;background:white;padding:13px;border-radius:13px;margin:12px 0}
.addon-editor .inline-actions{justify-content:flex-end}
@media(max-width:520px){.help-dialog{padding:18px}.addon-panel{padding:12px}.add-line{grid-template-columns:1fr}.add-line .btn{width:100%}.addon-editor .two-col,.addon-editor .three-col{grid-template-columns:1fr}.addon-editor .three-col .field:first-child{grid-column:auto}.help-settings{margin-left:3px}.header-actions{gap:3px}}
@media print{.addon-panel,.help-dialog,.help-settings,.help-btn{display:none!important}}