:root {
    color-scheme: light dark;
    --bg: #f5f6fa; --surface: #ffffff; --surface2: #f0f2f7;
    --border: rgba(0,0,0,0.08); --border2: rgba(0,0,0,0.13);
    --text: #111827; --text2: #4b5563; --text3: #9ca3af;
    --accent: #3b82f6; --accent-bg: rgba(59,130,246,0.08); --accent-border: rgba(59,130,246,0.2);
    --green: #10b981; --green-bg: rgba(16,185,129,0.08);
    --red: #ef4444; --red-bg: rgba(239,68,68,0.07);
    --orange: #f59e0b; --orange-bg: rgba(245,158,11,0.08);
    --purple: #8b5cf6; --purple-bg: rgba(139,92,246,0.08);
    --gold: #d4a843;
    --shadow: 0 1px 3px rgba(0,0,0,0.07); --shadow-md: 0 4px 16px rgba(0,0,0,0.08);
  }
  @media (prefers-color-scheme: dark) {
    :root {
      --bg: #0d0f14; --surface: #1a1e2a; --surface2: #222636;
      --border: rgba(255,255,255,0.07); --border2: rgba(255,255,255,0.12);
      --text: #eef0f6; --text2: #9aa3bc; --text3: #5c6480;
      --accent: #60a5fa; --accent-bg: rgba(96,165,250,0.1); --accent-border: rgba(96,165,250,0.2);
      --green: #34d399; --green-bg: rgba(52,211,153,0.08);
      --red: #f87171; --red-bg: rgba(248,113,113,0.08);
      --orange: #fbbf24; --orange-bg: rgba(251,191,36,0.08);
      --purple: #a78bfa; --purple-bg: rgba(167,139,250,0.08);
      --shadow: 0 1px 3px rgba(0,0,0,0.3); --shadow-md: 0 4px 16px rgba(0,0,0,0.3);
    }
  }
  * { margin: 0; padding: 0; box-sizing: border-box; }
  body { background: var(--bg); color: var(--text); font-family: 'Inter', system-ui, sans-serif; font-size: 14px; line-height: 1.65; max-width: 820px; margin: 0 auto; padding: 48px 24px 80px; }

  /* HEADER */
  .header { text-align: center; margin-bottom: 36px; padding-bottom: 28px; border-bottom: 1px solid var(--border); }
  .header-tag { font-size: 10px; letter-spacing: 4px; text-transform: uppercase; color: var(--text3); margin-bottom: 12px; }
  .header h1 { font-size: clamp(30px, 6vw, 56px); font-weight: 700; letter-spacing: 2px; line-height: 1; color: var(--text); text-transform: uppercase; }
  .header h1 span { color: var(--accent); }
  .header-sub { margin-top: 10px; color: var(--text3); font-size: 12px; }

  /* RANK BANNER */
  .rank-banner { background: linear-gradient(135deg, var(--orange-bg), transparent); border: 1px solid rgba(245,158,11,0.25); border-radius: 14px; padding: 16px 20px; margin-bottom: 28px; display: flex; gap: 14px; align-items: flex-start; }
  .rank-banner-icon { font-size: 28px; flex-shrink: 0; }
  .rank-banner-label { font-size: 10px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--orange); margin-bottom: 4px; }
  .rank-banner-text { font-size: 13px; color: var(--text2); line-height: 1.5; margin-bottom: 10px; }
  .rank-banner-text strong { color: var(--text); }
  .rank-steps { display: flex; gap: 6px; flex-wrap: wrap; }
  .rank-step { font-size: 10px; font-weight: 600; padding: 3px 10px; border-radius: 20px; }
  .rank-step.done { background: var(--green-bg); border: 1px solid rgba(16,185,129,0.25); color: var(--green); }
  .rank-step.active { background: var(--orange-bg); border: 1px solid rgba(245,158,11,0.3); color: var(--orange); }
  .rank-step.next { background: var(--surface2); border: 1px solid var(--border); color: var(--text3); }

  /* MAIN NAV — sticky */
  .phase-nav { display: flex; gap: 2px; background: var(--surface); border-bottom: 1px solid var(--border); padding: 8px 0 0; overflow-x: auto; position: sticky; top: 0; z-index: 200; backdrop-filter: blur(16px); margin: 0 -24px; padding: 8px 24px 0; box-shadow: 0 2px 12px rgba(0,0,0,0.06); }
  .phase-btn { font-size: 12px; font-weight: 500; color: var(--text3); padding: 8px 14px; cursor: pointer; border-radius: 9px 9px 0 0; white-space: nowrap; transition: all 0.18s; background: none; border: none; border-bottom: 2px solid transparent; margin-bottom: -1px; }
  .phase-btn:hover { color: var(--text); }
  .phase-btn.active { color: var(--accent); font-weight: 600; border-bottom-color: var(--accent); }
  .phase-section { display: none; }
  .phase-section.active { display: block; animation: fadeIn 0.22s ease; padding-top: 16px; }

  /* QUICK NAV — sticky below main nav */
  .quick-nav { display: flex; flex-wrap: wrap; gap: 6px; padding: 8px 14px; background: var(--surface2); border-bottom: 1px solid var(--border); position: sticky; top: 49px; z-index: 100; margin: 0 -24px 24px; padding-left: 24px; padding-right: 24px; }
  .qn-btn { font-size: 11px; font-weight: 500; color: var(--accent); background: var(--accent-bg); border: 1px solid var(--accent-border); border-radius: 20px; padding: 5px 13px; cursor: pointer; transition: all 0.15s; white-space: nowrap; }
  .qn-btn:hover { background: var(--accent); color: white; border-color: var(--accent); }

  /* PHASE HEADER */
  .phase-header { background: var(--surface); border: 1px solid var(--border); border-radius: 12px; padding: 18px 22px; margin-bottom: 24px; display: flex; gap: 14px; align-items: center; box-shadow: var(--shadow); }
  .phase-icon { font-size: 26px; flex-shrink: 0; }
  .phase-header h2 { font-size: 20px; font-weight: 700; letter-spacing: 1px; color: var(--text); text-transform: uppercase; margin-bottom: 2px; }
  .phase-header p { font-size: 12px; color: var(--text3); }

  /* STEP CARDS */
  .step-card { background: var(--surface); border: 1px solid var(--border); border-radius: 10px; margin-bottom: 12px; overflow: hidden; box-shadow: var(--shadow); }
  .step-card-header { padding: 14px 18px; display: flex; gap: 12px; align-items: center; cursor: pointer; user-select: none; transition: background 0.15s; }
  .step-card-header:hover { background: var(--surface2); }
  .step-num-badge { font-size: 10px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--accent); background: var(--accent-bg); border: 1px solid var(--accent-border); padding: 3px 10px; border-radius: 5px; white-space: nowrap; flex-shrink: 0; }
  .step-card-title { font-size: 14px; font-weight: 600; color: var(--text); flex: 1; }
  .step-chevron { color: var(--text3); font-size: 11px; transition: transform 0.2s; flex-shrink: 0; }
  .step-card.open .step-chevron { transform: rotate(180deg); }
  .step-card-body { display: none; padding: 0 18px 18px; border-top: 1px solid var(--border); }
  .step-card.open .step-card-body { display: block; }

  /* CHECKLIST */
  .checklist { display: flex; flex-direction: column; gap: 8px; margin-top: 12px; }
  .check-item { background: var(--surface2); border: 1px solid var(--border); border-radius: 8px; padding: 10px 14px; display: flex; gap: 10px; align-items: flex-start; }
  .check-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--accent); flex-shrink: 0; margin-top: 6px; }
  .check-item p { font-size: 13px; color: var(--text2); line-height: 1.5; }
  .check-item p strong { color: var(--text); }

  /* CHECK SECTION */
  .check-section { margin-top: 12px; }
  .check-section-title { font-size: 10px; letter-spacing: 2px; text-transform: uppercase; color: var(--text3); margin-bottom: 8px; padding-bottom: 6px; border-bottom: 1px solid var(--border); }
  .check-row { display: flex; gap: 12px; align-items: flex-start; padding: 10px 0; border-bottom: 1px solid rgba(0,0,0,0.04); }
  .check-row:last-child { border-bottom: none; }
  .check-box { width: 18px; height: 18px; border-radius: 4px; border: 1px solid var(--border); flex-shrink: 0; margin-top: 1px; cursor: pointer; background: transparent; display: flex; align-items: center; justify-content: center; font-size: 11px; transition: all 0.15s; }
  .check-box.checked { background: var(--green-bg); border-color: var(--green); color: var(--green); }
  .check-row-text { font-size: 13px; color: var(--text2); line-height: 1.5; }
  .check-row-sub { font-size: 11px; color: var(--text3); margin-top: 3px; }

  /* MSG BOX */
  .msg-box { background: var(--surface2); border: 1px solid var(--border); border-left: 3px solid var(--accent); border-radius: 0 8px 8px 0; padding: 14px 16px; margin-top: 12px; }
  .msg-box-label { font-size: 9px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--accent); margin-bottom: 8px; }
  .msg-box p { font-size: 13px; color: var(--text2); line-height: 1.7; }
  .copy-btn { margin-top: 10px; background: var(--accent-bg); border: 1px solid var(--accent-border); border-radius: 6px; color: var(--accent); font-size: 11px; font-weight: 600; padding: 5px 12px; cursor: pointer; display: inline-block; font-family: inherit; transition: all 0.15s; }
  .copy-btn:hover { background: var(--accent); color: white; }
  .copy-disclaimer { font-size: 10px; color: var(--text3); margin-top: 4px; }

  /* LINK BTN */
  .link-btn { display: inline-flex; align-items: center; gap: 6px; background: var(--accent-bg); border: 1px solid var(--accent-border); border-radius: 6px; color: var(--accent); font-size: 11px; font-weight: 500; padding: 6px 12px; text-decoration: none; margin-top: 5px; margin-right: 5px; transition: all 0.15s; }
  .link-btn:hover { background: var(--accent); color: white; }
  .link-btn.green { color: var(--green); background: var(--green-bg); border-color: rgba(16,185,129,0.25); }
  .link-btn.green:hover { background: var(--green); color: white; }

  /* INFO / TIP / ALERT */
  .info-box { background: var(--accent-bg); border: 1px solid var(--accent-border); border-radius: 8px; padding: 12px 16px; font-size: 13px; color: var(--text2); line-height: 1.6; margin-top: 10px; }
  .info-box strong { color: var(--accent); }
  .tip { background: var(--green-bg); border: 1px solid rgba(16,185,129,0.2); border-radius: 8px; padding: 12px 14px; display: flex; gap: 10px; align-items: flex-start; margin-top: 10px; }
  .tip p { font-size: 12px; color: var(--text2); line-height: 1.6; }
  .tip strong { color: var(--green); }
  .warn-box { background: var(--red-bg); border: 1px solid rgba(239,68,68,0.2); border-radius: 8px; padding: 12px 14px; display: flex; gap: 10px; align-items: flex-start; margin-top: 10px; }
  .warn-box p { font-size: 12px; color: var(--text2); line-height: 1.6; }
  .warn-box strong { color: var(--red); }

  /* ETF TABLE */
  .etf-table { width: 100%; margin-top: 12px; border-collapse: collapse; }
  .etf-table th { font-size: 10px; letter-spacing: 1px; text-transform: uppercase; color: var(--text3); padding: 8px 12px; border-bottom: 1px solid var(--border); text-align: left; }
  .etf-table td { font-size: 13px; color: var(--text2); padding: 10px 12px; border-bottom: 1px solid rgba(0,0,0,0.04); }
  .etf-table tr:last-child td { border-bottom: none; }
  .etf-pct { font-size: 18px; font-weight: 700; color: var(--accent); }

  /* SUB LABEL */
  .sub-label { font-size: 10px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--text3); margin: 16px 0 8px; display: flex; align-items: center; gap: 8px; }
  .sub-label::after { content: ''; flex: 1; height: 1px; background: var(--border); display: block; }

  /* DIVIDER */
  .divider { height: 1px; background: var(--border); margin: 20px 0; }

  /* COMING PLACEHOLDER */
  .coming-placeholder { background: var(--surface); border: 1px dashed var(--border2); border-radius: 14px; padding: 48px 24px; text-align: center; margin-top: 8px; }
  .coming-placeholder-icon { font-size: 36px; margin-bottom: 12px; }
  .coming-placeholder-title { font-size: 16px; font-weight: 600; color: var(--text); margin-bottom: 6px; }
  .coming-placeholder-sub { font-size: 13px; color: var(--text3); max-width: 340px; margin: 0 auto; line-height: 1.6; }

  @keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
  @media (max-width: 560px) { body { padding: 24px 14px 60px; } .phase-btn { padding: 7px 10px; font-size: 11px; } }