/* ==========================================================================
   My Fin Life - Phase 1 landing page (locked premium assessment)
   Uses the same --bvfh-* design tokens defined in shell.css.
   ========================================================================== */

.bvfh-mfl-eyebrow { background: var(--bvfh-primary); color: #fff; }

/* ---- Hero ---------------------------------------------------------- */
.bvfh-mfl-hero { padding: 56px 24px 24px; max-width: 1360px; margin: 0 auto; }
.bvfh-mfl-hero__grid {
	display: grid;
	grid-template-columns: 1.1fr 1fr;
	gap: 48px;
	align-items: center;
}
.bvfh-mfl-hero__copy h1 { font-size: 42px; margin: 16px 0 14px; }
.bvfh-mfl-hero__sub { color: var(--bvfh-muted); font-size: 16px; max-width: 540px; margin-bottom: 24px; }
.bvfh-mfl-hero__cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 14px; }
.bvfh-mfl-hero__note { color: var(--bvfh-muted); font-size: 13px; }

/* ---- Wheel preview --------------------------------------------------- */
.bvfh-mfl-hero__wheel { display: flex; flex-direction: column; align-items: center; gap: 22px; }
.bvfh-mfl-wheel {
	position: relative;
	width: 300px;
	height: 300px;
	border-radius: 50%;
	background: conic-gradient(
		#22C55E 0deg 45deg, #4ADE80 45deg 90deg,
		#2563EB 90deg 135deg, #60A5FA 135deg 180deg,
		#7C3AED 180deg 225deg, #A78BFA 225deg 270deg,
		#F59E0B 270deg 315deg, #FBBF24 315deg 360deg
	);
	box-shadow: var(--bvfh-shadow-lg);
	filter: saturate(0.9);
}
.bvfh-mfl-wheel__ring {
	position: absolute; inset: 0; border-radius: 50%;
	box-shadow: inset 0 0 0 3px rgba(255,255,255,.85);
}
.bvfh-mfl-wheel__center {
	position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%);
	width: 128px; height: 128px; border-radius: 50%;
	background: #fff; box-shadow: var(--bvfh-shadow);
	display: flex; flex-direction: column; align-items: center; justify-content: center;
}
.bvfh-mfl-wheel__center-title { font-family: var(--bvfh-font-heading); font-weight: 800; font-size: 15px; color: var(--bvfh-primary); letter-spacing: .04em; }
.bvfh-mfl-wheel__center-sub { font-size: 10.5px; font-weight: 700; color: var(--bvfh-muted); letter-spacing: .08em; }
.bvfh-mfl-wheel__lock {
	position: absolute; top: -10px; right: -6px;
	width: 40px; height: 40px; border-radius: 50%;
	background: var(--bvfh-primary); color: #fff;
	display: flex; align-items: center; justify-content: center;
	box-shadow: var(--bvfh-shadow);
	border: 3px solid #fff;
}
.bvfh-mfl-wheel__label {
	position: absolute; font-weight: 800; font-size: 12px; letter-spacing: .02em;
	background: #fff; padding: 3px 9px; border-radius: 20px; box-shadow: var(--bvfh-shadow);
}
.bvfh-mfl-wheel__label--income      { top: 6%;  left: 50%;  transform: translateX(-50%); }
.bvfh-mfl-wheel__label--expenses    { top: 50%; right: -4%; transform: translateY(-50%); }
.bvfh-mfl-wheel__label--assets      { bottom: 6%; left: 50%; transform: translateX(-50%); }
.bvfh-mfl-wheel__label--liabilities { top: 50%; left: -4%;  transform: translateY(-50%); }

.bvfh-mfl-wheel__legend { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 18px; width: 100%; max-width: 420px; }
.bvfh-mfl-legend-item { display: flex; gap: 9px; align-items: flex-start; font-size: 12.5px; }
.bvfh-mfl-legend-swatch { width: 11px; height: 11px; border-radius: 3px; margin-top: 3px; flex: none; }
.bvfh-mfl-legend-item div { display: flex; flex-direction: column; line-height: 1.3; }
.bvfh-mfl-legend-item span { color: var(--bvfh-muted); }

/* ---- Why This Matters (real-life scenarios) --------------------------- */
.bvfh-mfl-why { max-width: 1200px; margin: 0 auto; padding: 8px 24px 0; }
.bvfh-mfl-scenario-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin-bottom: 28px; }
.bvfh-mfl-scenario-card {
	background: var(--bvfh-card); border: 1.5px solid var(--bvfh-border);
	border-left: 4px solid var(--bvfh-secondary);
	border-radius: var(--bvfh-radius); padding: 22px 24px;
}
.bvfh-mfl-scenario-card__tag {
	display: inline-block; font-size: 11px; font-weight: 800; letter-spacing: .05em;
	text-transform: uppercase; color: var(--bvfh-secondary); margin-bottom: 8px;
}
.bvfh-mfl-scenario-card h3 { font-size: 16px; margin-bottom: 8px; }
.bvfh-mfl-scenario-card p { font-size: 13.5px; color: var(--bvfh-muted); line-height: 1.65; margin: 0; }
.bvfh-mfl-why__callout {
	background: var(--bvfh-primary); background-image: var(--bvfh-gradient);
	border-radius: var(--bvfh-radius); padding: 26px 32px; text-align: center; margin-bottom: 28px;
}
.bvfh-mfl-why__callout p { color: #fff; font-size: 17px; font-weight: 600; line-height: 1.55; margin: 0; max-width: 780px; margin: 0 auto; }
.bvfh-mfl-why__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-bottom: 8px; }
.bvfh-mfl-why__item { padding: 4px 4px 0; }
.bvfh-mfl-why__item h4 { font-size: 15px; margin-bottom: 8px; color: var(--bvfh-text); }
.bvfh-mfl-why__item p { font-size: 13.5px; color: var(--bvfh-muted); line-height: 1.6; margin: 0; }

/* ---- Privacy / Trust ---------------------------------------------------- */
.bvfh-mfl-trust { max-width: 1200px; margin: 0 auto; padding: 8px 24px 0; }
.bvfh-mfl-trust__box {
	background: var(--bvfh-hover); border: 1.5px solid var(--bvfh-border);
	border-radius: 20px; padding: 40px 44px; text-align: center;
}
.bvfh-mfl-trust__label {
	display: inline-block; font-size: 11.5px; font-weight: 800; letter-spacing: .06em;
	text-transform: uppercase; color: var(--bvfh-secondary); background: #fff;
	border: 1.5px solid var(--bvfh-border); border-radius: 20px; padding: 5px 14px; margin-bottom: 14px;
}
.bvfh-mfl-trust__box h2 { margin-bottom: 10px; }
.bvfh-mfl-trust__box > p { color: var(--bvfh-muted); max-width: 620px; margin: 0 auto 26px; font-size: 14.5px; }
.bvfh-mfl-trust__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; text-align: left; margin-bottom: 22px; }
.bvfh-mfl-trust__col { background: #fff; border-radius: var(--bvfh-radius-sm); padding: 22px 24px; border: 1.5px solid var(--bvfh-border); }
.bvfh-mfl-trust__col h3 { font-size: 13.5px; letter-spacing: .02em; margin-bottom: 12px; }
.bvfh-mfl-trust__col--no { border-top: 3px solid var(--bvfh-danger); }
.bvfh-mfl-trust__col--no h3 { color: var(--bvfh-danger); }
.bvfh-mfl-trust__col--yes { border-top: 3px solid var(--bvfh-success); }
.bvfh-mfl-trust__col--yes h3 { color: var(--bvfh-success); }
.bvfh-mfl-trust__col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.bvfh-mfl-trust__col li { font-size: 13.5px; color: var(--bvfh-text); padding-left: 16px; position: relative; line-height: 1.5; }
.bvfh-mfl-trust__col--no li::before { content: "\2013"; position: absolute; left: 0; color: var(--bvfh-danger); font-weight: 800; }
.bvfh-mfl-trust__col--yes li::before { content: "\2013"; position: absolute; left: 0; color: var(--bvfh-success); font-weight: 800; }
.bvfh-mfl-trust__foot { font-size: 12.5px; color: var(--bvfh-muted); margin: 0; }

/* ---- Pricing sub line ----------------------------------------------------- */
.bvfh-mfl-pricing__sub { font-size: 12.5px; opacity: .9; margin: 14px 0 0; }
.bvfh-mfl-pricing__fine { font-size: 11.5px; opacity: .75; margin: 8px 0 0; }

/* ---- Category grid ---------------------------------------------------- */
.bvfh-mfl-categories { background: var(--bvfh-hover); }
.bvfh-mfl-cat-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.bvfh-mfl-cat-card {
	position: relative;
	background: var(--bvfh-card); border: 1.5px solid var(--bvfh-border);
	border-radius: var(--bvfh-radius); padding: 20px 18px 18px;
}
.bvfh-mfl-cat-card__num { position: absolute; top: 14px; right: 16px; font-size: 12px; font-weight: 800; color: var(--bvfh-border); }
.bvfh-mfl-cat-card__icon {
	display: inline-flex; align-items: center; justify-content: center;
	width: 40px; height: 40px; border-radius: 10px;
	background: var(--bvfh-gold-tint); color: var(--bvfh-secondary);
	margin-bottom: 12px;
}
.bvfh-mfl-cat-card h3 { font-size: 15px; margin-bottom: 6px; }
.bvfh-mfl-cat-card p { font-size: 13px; color: var(--bvfh-muted); margin: 0; line-height: 1.5; }

/* ---- How it works ------------------------------------------------------ */
.bvfh-mfl-how-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.bvfh-mfl-how-step { background: var(--bvfh-card); border: 1.5px solid var(--bvfh-border); border-radius: var(--bvfh-radius); padding: 26px 22px; }
.bvfh-mfl-how-step__num {
	display: inline-flex; align-items: center; justify-content: center;
	width: 34px; height: 34px; border-radius: 50%;
	background: var(--bvfh-gradient); color: #fff; font-weight: 800; font-size: 15px;
	margin-bottom: 14px;
}
.bvfh-mfl-how-step h3 { font-size: 16px; margin-bottom: 6px; }
.bvfh-mfl-how-step p { font-size: 13.5px; color: var(--bvfh-muted); margin: 0; }

/* ---- Pricing ------------------------------------------------------------ */
.bvfh-mfl-pricing { display: flex; justify-content: center; }
.bvfh-mfl-pricing__card {
	position: relative;
	background: var(--bvfh-primary);
	background-image: var(--bvfh-gradient);
	color: #fff;
	border-radius: 20px;
	padding: 42px 44px;
	max-width: 460px;
	width: 100%;
	text-align: center;
	box-shadow: var(--bvfh-shadow-lg);
}
.bvfh-mfl-pricing__lock {
	display: inline-flex; align-items: center; justify-content: center;
	width: 56px; height: 56px; border-radius: 50%;
	background: rgba(255,255,255,.14); margin-bottom: 14px;
}
.bvfh-mfl-pricing__card h2 { color: #fff; margin-bottom: 6px; }
.bvfh-mfl-pricing__price { font-size: 40px; font-weight: 800; margin: 0 0 20px; }
.bvfh-mfl-pricing__price span { font-size: 13px; font-weight: 600; opacity: .8; }
.bvfh-mfl-pricing__list { list-style: none; margin: 0 0 26px; padding: 0; text-align: left; display: flex; flex-direction: column; gap: 11px; }
.bvfh-mfl-pricing__list li { display: flex; gap: 10px; align-items: center; font-size: 14px; }
.bvfh-mfl-pricing__list li svg { flex: none; color: var(--bvfh-gold); }
.bvfh-mfl-pricing__cta { width: 100%; justify-content: center; }
.bvfh-mfl-pricing__fine { font-size: 11.5px; opacity: .75; margin: 16px 0 0; }

/* ---- My Fin Life overlay: checkout -> assessment -> results -------------- */
.bvfh-mfl-overlay { position: fixed; inset: 0; z-index: 9999; display: none; font-family: var(--bvfh-font); }
.bvfh-mfl-overlay.is-open { display: block; }
.bvfh-mfl-overlay__backdrop { position: absolute; inset: 0; background: rgba(7, 26, 82, .6); }
.bvfh-mfl-overlay__panel {
	position: relative; z-index: 1;
	max-width: 640px; width: calc(100% - 32px);
	max-height: 92vh; overflow-y: auto;
	margin: 4vh auto 0;
	background: #fff; border-radius: var(--bvfh-radius);
	padding: 34px 30px 30px;
	box-shadow: var(--bvfh-shadow-lg);
}
.bvfh-mfl-overlay__close {
	position: absolute; top: 14px; right: 14px; z-index: 2;
	width: 32px; height: 32px; border-radius: 50%;
	border: none; background: var(--bvfh-hover); color: var(--bvfh-muted);
	display: flex; align-items: center; justify-content: center; cursor: pointer;
}
.bvfh-mfl-modal__lock {
	display: inline-flex; align-items: center; justify-content: center;
	width: 48px; height: 48px; border-radius: 50%;
	background: var(--bvfh-gold-tint); color: var(--bvfh-primary); margin-bottom: 10px;
}

/* Checkout */
.bvfh-mfl-checkout { text-align: center; }
.bvfh-mfl-checkout h3 { margin-bottom: 4px; }
.bvfh-mfl-checkout__sub { color: var(--bvfh-muted); font-size: 13.5px; margin-bottom: 20px; }
#bvfh-mfl-checkout-form { display: flex; flex-direction: column; gap: 10px; text-align: left; }
#bvfh-mfl-checkout-form label { font-size: 12.5px; font-weight: 700; color: var(--bvfh-text); margin-bottom: -4px; }
#bvfh-mfl-checkout-form input {
	width: 100%; height: 44px; border-radius: var(--bvfh-radius-sm);
	border: 1.5px solid var(--bvfh-border); padding: 0 14px; font-size: 14px;
	font-family: var(--bvfh-font); color: var(--bvfh-text);
}
#bvfh-mfl-checkout-form input:focus { outline: none; border-color: var(--bvfh-secondary); }
.bvfh-mfl-coupon-row { display: flex; gap: 8px; }
.bvfh-mfl-coupon-row input { flex: 1; text-transform: uppercase; }
.bvfh-mfl-coupon-row .bvfh-btn { white-space: nowrap; padding: 0 18px; }
.bvfh-mfl-coupon-msg { font-size: 12.5px; margin: -4px 0 0; min-height: 16px; }
.bvfh-mfl-coupon-msg.is-success { color: var(--bvfh-success); }
.bvfh-mfl-coupon-msg.is-error { color: var(--bvfh-danger); }
.bvfh-mfl-price-summary { background: var(--bvfh-hover); border-radius: var(--bvfh-radius-sm); padding: 14px 16px; margin: 6px 0 2px; }
.bvfh-mfl-price-row { display: flex; justify-content: space-between; font-size: 13.5px; padding: 3px 0; color: var(--bvfh-muted); }
.bvfh-mfl-price-row--discount span:last-child { color: var(--bvfh-success); font-weight: 700; }
.bvfh-mfl-price-row--total { border-top: 1px dashed var(--bvfh-border); margin-top: 4px; padding-top: 8px; font-size: 15px; font-weight: 800; color: var(--bvfh-text); }
#bvfh-mfl-checkout-form .bvfh-btn--primary { width: 100%; justify-content: center; margin-top: 6px; }
#bvfh-mfl-checkout-form .bvfh-btn--primary.is-loading { opacity: .7; pointer-events: none; }
.bvfh-mfl-checkout__note { font-size: 11.5px; color: var(--bvfh-muted); text-align: center; margin: 10px 0 0; }
.bvfh-mfl-form__msg { font-size: 13px; margin: 4px 0 0; min-height: 18px; text-align: center; }
.bvfh-mfl-form__msg.is-success { color: var(--bvfh-success); }
.bvfh-mfl-form__msg.is-error { color: var(--bvfh-danger); }

/* Assessment stepper */
.bvfh-mfl-assess__head { margin-bottom: 22px; }
.bvfh-mfl-assess__progress { height: 6px; background: var(--bvfh-hover); border-radius: 999px; overflow: hidden; margin-bottom: 8px; }
.bvfh-mfl-assess__progress-bar { height: 100%; background: linear-gradient(90deg, var(--bvfh-secondary), var(--bvfh-primary)); border-radius: 999px; width: 0%; transition: width .3s ease; }
.bvfh-mfl-assess__step-label { font-size: 12px; font-weight: 700; color: var(--bvfh-muted); letter-spacing: .02em; text-transform: uppercase; }
.bvfh-mfl-cat-head { text-align: center; margin-bottom: 22px; }
.bvfh-mfl-cat-icon {
	display: inline-flex; align-items: center; justify-content: center;
	width: 46px; height: 46px; border-radius: 50%;
	background: var(--bvfh-gold-tint); color: var(--bvfh-primary); margin-bottom: 10px;
}
.bvfh-mfl-cat-icon svg { width: 22px; height: 22px; }
.bvfh-mfl-cat-head h3 { margin: 0 0 6px; }
.bvfh-mfl-cat-head p { color: var(--bvfh-muted); font-size: 13.5px; margin: 0; }
.bvfh-mfl-fields { display: grid; grid-template-columns: 1fr; gap: 14px; }
.bvfh-mfl-fields--inline { margin-top: 22px; border-top: 1px dashed var(--bvfh-border); padding-top: 18px; }
.bvfh-mfl-field label { display: block; font-size: 12.5px; font-weight: 700; color: var(--bvfh-text); margin-bottom: 6px; }
.bvfh-mfl-field input {
	width: 100%; height: 44px; border-radius: var(--bvfh-radius-sm);
	border: 1.5px solid var(--bvfh-border); padding: 0 14px; font-size: 14px;
	font-family: var(--bvfh-font); color: var(--bvfh-text);
}
.bvfh-mfl-field input:focus { outline: none; border-color: var(--bvfh-secondary); }
.bvfh-mfl-questions { display: flex; flex-direction: column; gap: 20px; }
.bvfh-mfl-q__text { font-weight: 700; font-size: 14.5px; margin: 0 0 10px; }
.bvfh-mfl-q__options { display: flex; flex-direction: column; gap: 8px; }
.bvfh-mfl-opt {
	text-align: left; width: 100%; border: 1.5px solid var(--bvfh-border); background: #fff;
	border-radius: var(--bvfh-radius-sm); padding: 11px 14px; font-size: 13.5px; color: var(--bvfh-text);
	cursor: pointer; transition: border-color .15s ease, background .15s ease;
	font-family: var(--bvfh-font);
}
.bvfh-mfl-opt:hover { border-color: var(--bvfh-secondary); }
.bvfh-mfl-opt.is-selected { border-color: var(--bvfh-primary); background: var(--bvfh-gold-tint); font-weight: 700; }
.bvfh-mfl-assess__nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 28px; }
.bvfh-shake { animation: bvfh-mfl-shake .4s; }
@keyframes bvfh-mfl-shake { 0%,100%{transform:translateX(0);} 25%{transform:translateX(-6px);} 75%{transform:translateX(6px);} }

/* Results dashboard */
.bvfh-mfl-results__hero { text-align: center; margin-bottom: 10px; }
.bvfh-mfl-results__hero h2 { margin-bottom: 14px; font-size: 22px; }
.bvfh-mfl-overall { display: inline-flex; align-items: center; gap: 12px; background: var(--bvfh-hover); border-radius: 999px; padding: 8px 20px; }
.bvfh-mfl-overall__num { font-family: var(--bvfh-font-heading); font-weight: 800; font-size: 28px; color: var(--bvfh-primary); }
.bvfh-mfl-overall__label { font-size: 11.5px; color: var(--bvfh-muted); text-align: left; line-height: 1.4; }
.bvfh-mfl-wheel-wrap { max-width: 340px; margin: 18px auto 8px; }
.bvfh-mfl-personality { text-align: center; margin: 18px 0 6px; }
.bvfh-mfl-personality__badge {
	display: inline-block; background: var(--bvfh-primary); color: #fff; font-weight: 800;
	font-size: 12px; letter-spacing: .03em; text-transform: uppercase; border-radius: 999px; padding: 6px 16px; margin-bottom: 8px;
}
.bvfh-mfl-personality p { font-size: 13.5px; color: var(--bvfh-muted); max-width: 480px; margin: 0 auto; }
.bvfh-mfl-section-title { font-size: 16px; margin: 26px 0 12px; }
.bvfh-mfl-scores { display: flex; flex-direction: column; gap: 10px; }
.bvfh-mfl-score-row { display: grid; grid-template-columns: 24px 1fr 3fr auto; align-items: center; gap: 10px; }
.bvfh-mfl-score-row__icon { color: var(--bvfh-primary); }
.bvfh-mfl-score-row__icon svg { width: 18px; height: 18px; }
.bvfh-mfl-score-row__label { font-size: 12.5px; font-weight: 700; }
.bvfh-mfl-score-row__bar { height: 8px; background: var(--bvfh-hover); border-radius: 999px; overflow: hidden; }
.bvfh-mfl-score-row__fill { height: 100%; border-radius: 999px; }
.bvfh-mfl-score-row__value { font-size: 12.5px; font-weight: 800; width: 28px; text-align: right; }
.bvfh-mfl-mistakes { display: flex; flex-direction: column; gap: 12px; }
.bvfh-mfl-mistake { display: flex; gap: 12px; background: var(--bvfh-hover); border-radius: var(--bvfh-radius-sm); padding: 12px 14px; }
.bvfh-mfl-mistake__rank {
	flex: none; width: 24px; height: 24px; border-radius: 50%; background: var(--bvfh-danger); color: #fff;
	display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 800;
}
.bvfh-mfl-mistake strong { font-size: 13.5px; }
.bvfh-mfl-mistake__score { font-size: 11.5px; color: var(--bvfh-muted); }
.bvfh-mfl-mistake p { font-size: 12.5px; color: var(--bvfh-muted); margin: 4px 0 0; }
.bvfh-mfl-plan { display: flex; flex-direction: column; gap: 14px; }
.bvfh-mfl-plan-phase { border: 1px solid var(--bvfh-border); border-radius: var(--bvfh-radius-sm); padding: 14px 16px; }
.bvfh-mfl-plan-phase h4 { margin: 0 0 8px; font-size: 13.5px; }
.bvfh-mfl-plan-phase ul { margin: 0; padding-left: 18px; font-size: 12.5px; color: var(--bvfh-muted); }
.bvfh-mfl-plan-phase li { margin-bottom: 4px; }
.bvfh-mfl-fi__assumptions { font-size: 11.5px; color: var(--bvfh-muted); margin-bottom: 14px; }
.bvfh-mfl-fi__paths { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.bvfh-mfl-fi__path { border: 1.5px solid var(--bvfh-border); border-radius: var(--bvfh-radius-sm); padding: 16px; text-align: center; }
.bvfh-mfl-fi__path--optimised { border-color: var(--bvfh-success); background: #F0FDF4; }
.bvfh-mfl-fi__path h4 { margin: 0 0 8px; font-size: 13px; }
.bvfh-mfl-fi__amount { font-family: var(--bvfh-font-heading); font-weight: 800; font-size: 20px; margin: 0 0 6px; }
.bvfh-mfl-fi__path p:last-child { font-size: 11.5px; color: var(--bvfh-muted); margin: 0; }
.bvfh-mfl-results__actions { text-align: center; margin-top: 28px; }

@media (max-width: 620px) {
	.bvfh-mfl-overlay__panel { padding: 26px 18px 22px; max-width: calc(100% - 16px); }
	.bvfh-mfl-score-row { grid-template-columns: 20px 1fr auto; }
	.bvfh-mfl-score-row__bar { grid-column: 1 / -1; }
	.bvfh-mfl-fi__paths { grid-template-columns: 1fr; }
}

@media print {
	.bvfh-mfl-overlay__close, .bvfh-mfl-results__actions { display: none !important; }
	.bvfh-mfl-overlay { position: static; }
	.bvfh-mfl-overlay__backdrop { display: none; }
	.bvfh-mfl-overlay__panel { box-shadow: none; max-height: none; overflow: visible; }
}

/* ---- Promise / outcome highlight (debt-free, net worth, retirement) ------- */
.bvfh-mfl-promise { padding: 0 24px; max-width: 1360px; margin: 0 auto 8px; }
.bvfh-mfl-promise__box {
	position: relative; overflow: hidden; border-radius: 20px; padding: 40px 36px;
	background: linear-gradient(135deg, #041A6F 0%, #0B2C8C 55%, #041A6F 100%);
	text-align: center;
}
.bvfh-mfl-promise__box::before {
	content: ''; position: absolute; inset: 0;
	background: radial-gradient(120% 140% at 100% 0%, rgba(245,179,1,0.22), transparent 55%);
	pointer-events: none;
}
.bvfh-mfl-promise__eyebrow {
	position: relative; z-index: 1; display: inline-flex; align-items: center; gap: 6px;
	background: rgba(245,179,1,0.16); color: var(--bvfh-mfl-gold-light);
	border: 1px solid rgba(245,179,1,0.4); border-radius: 999px; padding: 6px 14px;
	font-size: 12px; font-weight: 800; letter-spacing: .03em; text-transform: uppercase; margin-bottom: 16px;
}
.bvfh-mfl-promise__box h2 {
	position: relative; z-index: 1; color: #fff; font-size: 30px; max-width: 720px; margin: 0 auto 14px;
}
.bvfh-mfl-promise__box > p {
	position: relative; z-index: 1; color: rgba(255,255,255,0.85); max-width: 680px; margin: 0 auto 32px;
	font-size: 15.5px; line-height: 1.7;
}
.bvfh-mfl-promise__grid {
	position: relative; z-index: 1; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
	text-align: left; margin-bottom: 32px;
}
.bvfh-mfl-promise__item {
	background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); border-radius: 14px; padding: 20px;
}
.bvfh-mfl-promise__num {
	display: inline-block; font-family: var(--bvfh-font-heading); font-weight: 800; font-size: 13px;
	color: var(--bvfh-mfl-gold-light); margin-bottom: 8px;
}
.bvfh-mfl-promise__item h4 { color: #fff; font-size: 15.5px; margin: 0 0 6px; }
.bvfh-mfl-promise__item p { color: rgba(255,255,255,0.72); font-size: 13.5px; line-height: 1.6; margin: 0; }
.bvfh-mfl-promise__box .bvfh-btn { position: relative; z-index: 1; }

/* ---- Responsive ----------------------------------------------------------- */
@media (max-width: 960px) {
	.bvfh-mfl-promise__box { padding: 32px 24px; }
	.bvfh-mfl-promise__box h2 { font-size: 24px; }
	.bvfh-mfl-promise__grid { grid-template-columns: 1fr; }
	.bvfh-mfl-hero__grid { grid-template-columns: 1fr; }
	.bvfh-mfl-hero__copy { text-align: center; }
	.bvfh-mfl-hero__cta { justify-content: center; }
	.bvfh-mfl-hero__sub { margin-left: auto; margin-right: auto; }
	.bvfh-mfl-cat-grid { grid-template-columns: repeat(2, 1fr); }
	.bvfh-mfl-how-grid { grid-template-columns: 1fr; }
	.bvfh-mfl-scenario-grid { grid-template-columns: 1fr; }
	.bvfh-mfl-why__grid { grid-template-columns: 1fr; }
	.bvfh-mfl-trust__grid { grid-template-columns: 1fr; }
	.bvfh-mfl-trust__box { padding: 32px 26px; }
}
@media (max-width: 520px) {
	.bvfh-mfl-wheel { width: 240px; height: 240px; }
	.bvfh-mfl-wheel__center { width: 100px; height: 100px; }
	.bvfh-mfl-cat-grid { grid-template-columns: 1fr; }
	.bvfh-mfl-pricing__card { padding: 32px 24px; }
}

/* ==========================================================================
   "Your Loans & Debts" assessment step (added v3.23.0) - itemized
   personal/credit-card/vehicle/home/other loan rows, inserted right
   after the Debt Freedom Score category questions.
   ========================================================================== */
.bvfh-mfl-debts { display: flex; flex-direction: column; gap: 22px; }
.bvfh-mfl-debt-cat h4 {
	display: flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 800;
	color: var(--bvfh-primary); margin: 0 0 10px;
}
.bvfh-mfl-debt-rows { display: flex; flex-direction: column; gap: 12px; margin-bottom: 10px; }
.bvfh-mfl-debt-row {
	position: relative; border: 1.5px dashed var(--bvfh-border); border-radius: var(--bvfh-radius-sm);
	padding: 14px 40px 2px 14px; display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 14px;
	background: var(--bvfh-hover);
}
.bvfh-mfl-debt-row label { display: block; font-size: 12px; font-weight: 700; color: var(--bvfh-text); margin-bottom: 12px; }
.bvfh-mfl-debt-row input {
	display: block; width: 100%; margin-top: 5px; padding: 9px 11px; font-size: 13.5px;
	border: 1.5px solid var(--bvfh-border); border-radius: 7px; background: #fff; color: var(--bvfh-text);
}
.bvfh-mfl-debt-row input:focus { outline: none; border-color: var(--bvfh-secondary); }
.bvfh-mfl-debt-remove {
	position: absolute; top: 8px; right: 8px; border: none; background: #FEE2E2; color: #DC2626;
	width: 26px; height: 26px; border-radius: 6px; display: flex; align-items: center; justify-content: center; cursor: pointer;
}
.bvfh-mfl-debt-remove:hover { background: #FCA5A5; }
.bvfh-mfl-debt-remove svg { width: 14px; height: 14px; }
.bvfh-mfl-debt-add { width: 100%; justify-content: center; font-size: 12.5px; padding: 9px 12px; }

/* ==========================================================================
   "Your Debt Freedom Plan" results section
   ========================================================================== */
.bvfh-mfl-dp { display: flex; flex-direction: column; gap: 18px; margin-bottom: 6px; }
.bvfh-mfl-dp-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.bvfh-mfl-dp-stat {
	background: var(--bvfh-hover); border-radius: var(--bvfh-radius-sm); padding: 12px 14px;
}
.bvfh-mfl-dp-stat .label { display: block; font-size: 10.5px; text-transform: uppercase; letter-spacing: .03em; color: var(--bvfh-muted); font-weight: 700; }
.bvfh-mfl-dp-stat .value { display: block; font-size: 17px; font-weight: 800; color: var(--bvfh-text); margin-top: 4px; }

.bvfh-mfl-dp-table { width: 100%; border-collapse: collapse; font-size: 12.5px; }
.bvfh-mfl-dp-table th {
	text-align: left; font-size: 10px; text-transform: uppercase; letter-spacing: .03em; color: var(--bvfh-muted);
	padding: 7px 9px; background: var(--bvfh-hover);
}
.bvfh-mfl-dp-table td { padding: 8px 9px; border-bottom: 1px solid var(--bvfh-border); }
.bvfh-mfl-dp-table tr.bvfh-mfl-dp-current td { font-weight: 800; background: var(--bvfh-hover); }

.bvfh-mfl-dp-mistakes { display: flex; flex-direction: column; gap: 8px; }
.bvfh-mfl-dp-mistake {
	display: flex; gap: 10px; align-items: flex-start; padding: 10px 12px; border-radius: var(--bvfh-radius-sm);
	border-left: 4px solid #94A3B8; background: var(--bvfh-hover); font-size: 12.5px; line-height: 1.6;
}
.bvfh-mfl-dp-mistake.critical { border-left-color: #DC2626; background: #FEF2F2; }
.bvfh-mfl-dp-mistake.warning { border-left-color: #D97706; background: #FFFBEB; }
.bvfh-mfl-dp-mistake.info { border-left-color: #2563EB; background: #EFF6FF; }
.bvfh-mfl-dp-mistake .tag {
	font-size: 9.5px; font-weight: 800; text-transform: uppercase; letter-spacing: .03em;
	padding: 2px 7px; border-radius: 20px; white-space: nowrap; color: #fff; background: #94A3B8;
}
.bvfh-mfl-dp-mistake.critical .tag { background: #DC2626; }
.bvfh-mfl-dp-mistake.warning .tag { background: #D97706; }
.bvfh-mfl-dp-mistake.info .tag { background: #2563EB; }

@media (max-width: 640px) {
	.bvfh-mfl-debt-row { grid-template-columns: 1fr; }
	.bvfh-mfl-dp-stats { grid-template-columns: repeat(2, 1fr); }
	.bvfh-mfl-dp-table { display: block; overflow-x: auto; }
}