:root{--bg:#f0f4f9;--bg-card:#fff;--bg-elev:#f8fafc;--border:#0f172a14;--navy:#1e3a5f;--gold:#c8920a;--gold-s:#c8920a1a;--red:#dc2626;--red-s:#dc262614;--green:#059669;--green-s:#05966914;--amber:#b45309;--amber-s:#b4530914;--blue:#2563eb;--blue-s:#2563eb14;--ink:#0f172a;--sub:#475569;--muted:#94a3b8;--line:#0f172a0f;--sh-card:0 1px 3px #0f172a0f, 0 4px 16px #0f172a0a;--sh-sm:0 1px 3px #0f172a14;--r:16px;--r-sm:10px}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html,body{background:var(--bg);min-height:100svh}body{color:var(--ink);-webkit-font-smoothing:antialiased;font-family:Outfit,PingFang SC,Noto Sans SC,sans-serif;font-size:14px}#root{background:var(--bg);max-width:430px;min-height:100svh;margin:0 auto;position:relative}.view{flex-direction:column;min-height:100svh;display:flex}.top-bar{-webkit-backdrop-filter:blur(16px);z-index:20;border-bottom:1px solid var(--border);background:#f0f4f9f2;flex-shrink:0;justify-content:space-between;align-items:center;padding:14px 20px 12px;display:flex;position:sticky;top:0}.brand-name{letter-spacing:.01em;color:var(--ink);font-size:16px;font-weight:700}.back-btn{color:var(--blue);cursor:pointer;background:0 0;border:0;align-items:center;gap:4px;padding:0;font-family:inherit;font-size:14px;font-weight:500;display:flex}.top-bar-right{align-items:center;gap:8px;display:flex}.top-bar-title{color:var(--ink);font-size:15px;font-weight:600}.page-body{flex:1;padding:4px 0 24px;overflow-y:auto}.section-lbl{letter-spacing:.12em;text-transform:uppercase;color:var(--muted);align-items:center;gap:8px;padding:18px 20px 8px;font-size:10px;font-weight:600;display:flex}.section-lbl:after{content:"";background:linear-gradient(90deg, var(--border) 0%, transparent 100%);flex:1;height:1px}.client-list{gap:8px;padding:8px 16px 0;display:grid}.client-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);cursor:pointer;color:inherit;align-items:center;gap:12px;padding:14px;text-decoration:none;transition:box-shadow .15s;display:flex}.client-card:active{box-shadow:none}.client-avatar{background:var(--blue-s);width:40px;height:40px;color:var(--blue);border:1px solid #2563eb1f;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:15px;font-weight:700;display:flex}.ci{flex:1;min-width:0}.client-name{color:var(--ink);font-size:14px;font-weight:600}.client-name .ph{color:var(--muted);margin-left:6px;font-size:11px;font-weight:400}.client-sub{color:var(--muted);margin-top:2px;font-size:11px}.risk-badge{border-radius:999px;flex-shrink:0;padding:3px 9px;font-size:11px;font-weight:500}.r-low{background:var(--green-s);color:var(--green)}.r-middle{background:var(--blue-s);color:var(--blue)}.r-high{background:var(--red-s);color:var(--red)}.chevron{color:var(--muted);flex-shrink:0}.search-wrap{padding:8px 16px 0}.search-input{border:1px solid var(--border);background:var(--bg-card);border-radius:var(--r-sm);width:100%;font:inherit;color:var(--ink);box-shadow:var(--sh-sm);outline:none;padding:10px 14px;font-size:13px}.search-input:focus{border-color:var(--navy)}.bottom-bar{border-top:1px solid var(--border);-webkit-backdrop-filter:blur(12px);background:#f0f4f9f5;flex-shrink:0;padding:12px 16px 28px}.bottom-btn{background:var(--navy);color:#fff;border-radius:var(--r-sm);width:100%;font:inherit;cursor:pointer;text-align:center;border:0;padding:15px;font-size:15px;font-weight:600;display:block;box-shadow:0 4px 14px #1e3a5f3d}.full-btn{background:var(--navy);color:#fff;border-radius:var(--r-sm);width:100%;font:inherit;cursor:pointer;text-align:center;border:0;padding:15px;font-size:15px;font-weight:600;text-decoration:none;display:block;box-shadow:0 4px 14px #1e3a5f3d}.full-btn.secondary{background:var(--bg-card);color:var(--sub);border:1px solid var(--border);box-shadow:var(--sh-sm);margin-top:10px}.ghost-btn{width:100%;color:var(--muted);border-radius:var(--r-sm);font:inherit;text-align:center;cursor:pointer;background:0 0;border:0;margin-top:8px;padding:11px;font-size:13px;font-weight:500;text-decoration:none;display:block}.ghost-btn:active{color:var(--sub)}.btn-wrap{padding:0 16px}.form-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-card);margin:12px 16px 0;padding:16px}.form-section-lbl{letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:14px;font-size:10px;font-weight:600}.form-row{margin-bottom:16px}.form-row:last-child{margin-bottom:0}.form-row.two-col{grid-template-columns:1fr 1fr;gap:14px;display:grid}.form-lbl{color:var(--sub);margin-bottom:6px;font-size:12px;font-weight:500;display:block}.form-input{background:var(--bg-elev);border:1px solid var(--border);border-radius:var(--r-sm);width:100%;font:inherit;color:var(--ink);outline:none;padding:10px 12px;font-size:14px;transition:border-color .15s}.form-input:focus{border-color:var(--navy)}select.form-input{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-position:right 12px center;background-repeat:no-repeat;padding-right:32px}.form-seg{flex-wrap:wrap;gap:6px;padding-bottom:2px;display:flex}.seg-btn{font:inherit;background:var(--bg-elev);color:var(--sub);border:1px solid var(--border);cursor:pointer;white-space:nowrap;border-radius:999px;flex-shrink:0;padding:6px 12px;font-size:12px;font-weight:500;transition:all .15s}.seg-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}.steps-wrap{padding:0 16px}.steps{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);align-items:center;padding:12px 16px;display:flex}.step{text-align:center;color:var(--muted);flex:1;font-size:12px;font-weight:500}.step.active{color:var(--navy);font-weight:700}.step.done{color:var(--green)}.step-line{background:var(--line);flex-shrink:0;width:20px;height:1px}.client-summary-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-card);grid-template-columns:repeat(3,minmax(0,1fr));gap:10px 8px;margin:12px 16px 0;padding:14px;display:grid}.cs-item{background:var(--bg-elev);border:1px solid var(--line);border-radius:8px;flex-direction:column;justify-content:center;align-items:center;min-height:52px;padding:8px 6px;display:flex}.cs-val{font-variant-numeric:tabular-nums;color:var(--ink);text-align:center;font-size:15px;font-weight:700;line-height:1.2}.cs-val-warn{color:var(--amber)}.cs-lbl{color:var(--muted);text-align:center;margin-top:4px;font-size:10px;line-height:1.2}.holding-list{padding:0 16px}.holding-row{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;padding:13px 0;display:flex}.holding-row:last-child{border-bottom:0}.h-name{font-size:14px;font-weight:500}.h-meta{color:var(--muted);margin-top:3px;font-size:11px}.h-right{flex-direction:column;align-items:flex-end;gap:3px;display:flex}.h-amt{font-variant-numeric:tabular-nums;color:var(--ink);font-size:15px;font-weight:700}.h-sub{color:var(--muted);font-size:11px}.type-tag{color:var(--muted);background:var(--bg-elev);border:1px solid var(--border);vertical-align:middle;border-radius:4px;margin-left:4px;padding:1px 6px;font-size:10px;display:inline-block}.diag-header{align-items:flex-end;gap:6px;padding:16px 20px 4px;display:flex}.diag-score-num{letter-spacing:-.02em;font-family:Noto Serif SC,serif;font-size:56px;line-height:1}.diag-score-num.score-good{color:var(--green)}.diag-score-num.score-middle{color:var(--amber)}.diag-score-num.score-low{color:var(--red)}.diag-score-unit{color:var(--muted);padding-bottom:5px;font-size:18px}.diag-score-lbl{color:var(--muted);margin-left:4px;padding-bottom:7px;font-size:12px}.signal-grid{grid-template-columns:1fr 1fr;gap:10px;padding:0 16px;display:grid}.sig-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);padding:14px;position:relative;overflow:hidden}.sig-card.red{background:linear-gradient(135deg,#fff5f5 0%,#fff 100%);border-color:#dc262633}.sig-card.amber{background:linear-gradient(135deg,#fffbf0 0%,#fff 100%);border-color:#b4530933}.sig-card.green{background:linear-gradient(135deg,#f0fdf8 0%,#fff 100%);border-color:#05966933}.sig-card.blue{background:linear-gradient(135deg,#f0f6ff 0%,#fff 100%);border-color:#2563eb33}.sig-head{justify-content:space-between;align-items:center;margin-bottom:10px;display:flex}.sig-dot{border-radius:50%;width:8px;height:8px}.sig-card.red .sig-dot{background:var(--red);box-shadow:0 0 6px #dc262666}.sig-card.amber .sig-dot{background:var(--gold);box-shadow:0 0 6px #c8920a66}.sig-card.green .sig-dot{background:var(--green);box-shadow:0 0 6px #05966966}.sig-card.blue .sig-dot{background:var(--blue);box-shadow:0 0 6px #2563eb66}.sig-badge{border-radius:5px;padding:2px 7px;font-size:10px;font-weight:700}.sig-card.red .sig-badge{color:var(--red);background:var(--red-s)}.sig-card.amber .sig-badge{color:var(--amber);background:var(--amber-s)}.sig-card.green .sig-badge{color:var(--green);background:var(--green-s)}.sig-card.blue .sig-badge{color:var(--blue);background:var(--blue-s)}.sig-name{color:var(--sub);margin-bottom:6px;font-size:11px;font-weight:500}.sig-val{font-variant-numeric:tabular-nums;letter-spacing:-.03em;margin-bottom:3px;font-size:20px;font-weight:700;line-height:1}.sig-card.red .sig-val{color:var(--red)}.sig-card.amber .sig-val{color:var(--amber)}.sig-card.green .sig-val{color:var(--green)}.sig-card.blue .sig-val{color:var(--blue)}.sig-desc{color:var(--muted);font-size:10px;line-height:1.5}.sig-bar-wrap{margin-top:10px}.sig-bar-bg{background:#0000000d;border-radius:2px;height:3px}.sig-bar-fill{border-radius:2px;height:100%;transition:width 1.2s cubic-bezier(.16,1,.3,1)}.sig-card.red .sig-bar-fill{background:var(--red)}.sig-card.amber .sig-bar-fill{background:var(--gold)}.sig-card.green .sig-bar-fill{background:var(--green)}.sig-card.blue .sig-bar-fill{background:var(--blue)}.rec-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);margin:0 16px;overflow:hidden}.rec-item{border-bottom:1px solid var(--line);align-items:flex-start;gap:10px;padding:12px 14px;display:flex}.rec-item:last-child{border-bottom:0}.rec-num{background:var(--navy);color:#fff;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:20px;height:20px;margin-top:1px;font-size:10px;font-weight:700;display:flex}.rec-text{color:var(--sub);font-size:13px;line-height:1.7}.dl-row{grid-template-columns:1fr 1fr;gap:10px;padding:0 16px;display:grid}.dl-btn{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--r-sm);font:inherit;color:var(--navy);cursor:pointer;box-shadow:var(--sh-sm);justify-content:center;align-items:center;gap:6px;padding:13px;font-size:13px;font-weight:600;transition:box-shadow .15s;display:flex}.dl-btn:active{box-shadow:none}.hero-card{border-radius:var(--r);box-shadow:var(--sh-card);background:linear-gradient(135deg,#f0f6ff 0%,#eef2fb 55%,#f5f8ff 100%);border:1px solid #2563eb1f;margin:12px 16px 0;padding:20px;position:relative;overflow:hidden}.hero-card:before{content:"";pointer-events:none;background:radial-gradient(circle,#2563eb0f 0%,#0000 70%);border-radius:50%;width:160px;height:160px;position:absolute;top:-50px;right:-50px}.hero-title{color:var(--sub);margin-bottom:14px;font-size:13px;font-weight:600}.kpi-row{grid-template-columns:repeat(3,1fr);display:grid}.kpi{flex-direction:column;align-items:center;display:flex;position:relative}.kpi+.kpi:before{content:"";background:#2563eb1a;width:1px;height:80%;position:absolute;top:10%;left:0}.kpi-val{font-variant-numeric:tabular-nums;letter-spacing:-.02em;color:var(--ink);font-size:19px;font-weight:700;line-height:1}.kpi-val.amber{color:var(--amber)}.kpi-val.red{color:var(--red)}.kpi-val.green{color:var(--green)}.kpi-lbl{color:var(--muted);margin-top:5px;font-size:10px}@keyframes simuFadeIn{0%{opacity:0}to{opacity:1}}@keyframes simuSlideUp{0%{transform:translateY(100%)}to{transform:translateY(0)}}.empty-state{color:var(--muted);text-align:center;flex-direction:column;align-items:center;gap:8px;padding:48px 20px;font-size:14px;display:flex}.empty-state svg{opacity:.3}.policy-tag{border-radius:999px;padding:2px 8px;font-size:10px;font-weight:600;display:inline-block}.pt-critical{background:var(--red-s);color:var(--red)}.pt-medical{background:var(--blue-s);color:var(--blue)}.pt-accident{background:var(--amber-s);color:var(--amber)}.pt-life{background:var(--navy);color:#fff;opacity:.9}.pt-annuity{background:var(--green-s);color:var(--green)}.pt-other{background:var(--bg-elev);color:var(--muted);border:1px solid var(--border)}.policy-item-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);margin:0 16px 10px;overflow:hidden}.policy-item-hdr{background:var(--bg-elev);border-bottom:1px solid var(--border);justify-content:space-between;align-items:center;padding:10px 14px;display:flex}.policy-item-num{color:var(--sub);font-size:12px;font-weight:600}.policy-item-body{gap:12px;padding:14px;display:grid}.add-policy-btn{background:var(--bg-card);border:1.5px dashed var(--border);border-radius:var(--r-sm);font:inherit;color:var(--blue);cursor:pointer;justify-content:center;align-items:center;gap:6px;width:calc(100% - 32px);margin:0 16px;padding:12px;font-size:13px;font-weight:500;transition:background .15s;display:flex}.add-policy-btn:active{background:var(--blue-s)}.alert-card{background:var(--bg-card);border:1px solid var(--border);border-left:3px solid var(--amber);border-radius:var(--r);box-shadow:var(--sh-sm);margin:0 16px 10px;padding:12px 14px;overflow:hidden}.alert-card.red{border-left-color:var(--red)}.alert-card.green{border-left-color:var(--green)}