/* ===== TFC Financial Culture Quiz — modal ===== */
.fcq-modal {
    position: fixed;
    inset: 0;
    z-index: 9998;
    display: none;
    align-items: flex-start;
    justify-content: center;
    padding: 40px 16px;
    overflow-y: auto;
    opacity: 0;
    transition: opacity 0.3s ease;
}
.fcq-modal.open {
    display: flex;
    opacity: 1;
}
.fcq-modal-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(11, 31, 58, 0.78);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
}
body.fcq-open { overflow: hidden; }
.fcq-card {
    position: relative;
    z-index: 2;
    width: 100%;
    max-width: 760px;
    margin: auto;
    background: #ffffff;
    border: 1px solid var(--border, #E0DCD4);
    box-shadow: 0 30px 90px rgba(0,0,0,0.35);
    padding: 56px 48px 44px;
    transform: scale(0.96) translateY(20px);
    transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}
.fcq-modal.open .fcq-card { transform: scale(1) translateY(0); }
.fcq-modal-close {
    position: absolute;
    top: 14px;
    right: 16px;
    width: 36px;
    height: 36px;
    background: transparent;
    border: none;
    color: var(--text-light, #666);
    font-size: 1.8rem;
    line-height: 1;
    cursor: pointer;
    transition: color 0.2s ease, transform 0.2s ease;
    z-index: 3;
}
.fcq-modal-close:hover {
    color: var(--navy, #0B1F3A);
    transform: rotate(90deg);
}
.fcq-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 36px;
    font-size: 0.7rem;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--gold, #B8954F);
    font-weight: 500;
}
.fcq-progress {
    flex: 1;
    height: 2px;
    background: var(--beige-dark, #EAE6DD);
    margin: 0 18px;
    overflow: hidden;
    position: relative;
}
.fcq-progress::after {
    content: "";
    position: absolute;
    inset: 0;
    width: var(--p, 0%);
    background: var(--gold, #B8954F);
    transition: width 0.45s cubic-bezier(0.16,1,0.3,1);
}
.fcq-timer {
    color: var(--navy, #0B1F3A);
    font-variant-numeric: tabular-nums;
    letter-spacing: 1px;
}
.fcq-timer.warn { color: #c0392b; }

.fcq-stage { display: flex; flex-direction: column; min-height: 380px; }
.fcq-stage[hidden] { display: none; }

.fcq-intro h2,
.fcq-result h2,
.fcq-email h2,
.fcq-done h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.6rem, 3vw, 2.1rem);
    color: var(--navy, #0B1F3A);
    line-height: 1.2;
    margin-bottom: 16px;
    font-weight: 500;
}
.fcq-intro p,
.fcq-result p,
.fcq-email p {
    color: var(--text-light, #666);
    line-height: 1.7;
    margin-bottom: 18px;
}
.fcq-intro ul {
    list-style: none;
    margin: 0 0 28px;
    padding: 0;
}
.fcq-intro li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 10px 0;
    border-top: 1px solid var(--border, #E0DCD4);
    color: var(--text, #1a1a1a);
    font-size: 0.95rem;
}
.fcq-intro li:last-child { border-bottom: 1px solid var(--border, #E0DCD4); }
.fcq-intro li svg {
    width: 18px;
    height: 18px;
    color: var(--gold, #B8954F);
    flex-shrink: 0;
    margin-top: 3px;
}
.fcq-intro li strong {
    color: var(--navy, #0B1F3A);
    font-weight: 600;
}

.fcq-question h3 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.2rem, 2vw, 1.45rem);
    color: var(--navy, #0B1F3A);
    line-height: 1.4;
    margin-bottom: 24px;
    font-weight: 500;
}
.fcq-options {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.fcq-options button {
    width: 100%;
    text-align: left;
    padding: 14px 18px;
    background: var(--beige, #F7F5F0);
    border: 1px solid var(--border, #E0DCD4);
    color: var(--text, #1a1a1a);
    font-family: inherit;
    font-size: 0.95rem;
    line-height: 1.45;
    cursor: pointer;
    transition: all 0.2s ease;
}
.fcq-options button:hover {
    background: #fff;
    border-color: var(--gold, #B8954F);
    color: var(--navy, #0B1F3A);
    transform: translateX(4px);
}
.fcq-options button.selected {
    background: var(--navy, #0B1F3A);
    border-color: var(--navy, #0B1F3A);
    color: #fff;
}

.fcq-cta {
    margin-top: auto;
    padding-top: 28px;
    display: flex;
    gap: 12px;
    align-items: center;
    justify-content: space-between;
}
.fcq-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 26px;
    background: var(--navy, #0B1F3A);
    color: #fff;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    border: 1.5px solid var(--navy, #0B1F3A);
    cursor: pointer;
    font-family: inherit;
    transition: all 0.2s ease;
}
.fcq-btn:hover:not(:disabled) {
    background: var(--gold, #B8954F);
    border-color: var(--gold, #B8954F);
}
.fcq-btn:disabled {
    opacity: 0.4;
    cursor: not-allowed;
}
.fcq-btn.ghost {
    background: transparent;
    color: var(--navy, #0B1F3A);
}
.fcq-btn.ghost:hover {
    background: var(--navy, #0B1F3A);
    color: #fff;
}

.fcq-result {
    text-align: center;
    align-items: center;
}
.fcq-score-ring {
    width: 180px;
    height: 180px;
    margin: 8px auto 22px;
    position: relative;
    border-radius: 50%;
    background: conic-gradient(var(--gold, #B8954F) calc(var(--ringp) * 1%), var(--beige-dark, #EAE6DD) 0);
    display: flex;
    align-items: center;
    justify-content: center;
}
.fcq-score-ring::before {
    content: "";
    position: absolute;
    inset: 10px;
    background: #fff;
    border-radius: 50%;
}
.fcq-score-num {
    position: relative;
    z-index: 1;
    font-family: 'Playfair Display', serif;
    font-size: 3rem;
    color: var(--navy, #0B1F3A);
    line-height: 1;
}
.fcq-score-num small {
    font-size: 1.05rem;
    color: var(--text-light, #666);
}
.fcq-tier-tag {
    font-size: 0.72rem;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--gold, #B8954F);
    margin-bottom: 6px;
    font-weight: 600;
}
.fcq-tier {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    color: var(--navy, #0B1F3A);
    margin-bottom: 10px;
}
.fcq-tier-desc {
    color: var(--text-light, #666);
    line-height: 1.7;
    max-width: 520px;
    margin: 0 auto 24px;
}
.fcq-result-actions {
    margin-top: 8px;
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    justify-content: center;
}

.fcq-email .form-group { margin-bottom: 16px; }
.fcq-email label {
    display: block;
    font-size: 0.75rem;
    font-weight: 500;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--navy, #0B1F3A);
    margin-bottom: 6px;
}
.fcq-email input {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--border, #E0DCD4);
    background: var(--beige, #F7F5F0);
    color: var(--text, #1a1a1a);
    font-family: inherit;
    font-size: 0.95rem;
    transition: border-color 0.2s ease;
}
.fcq-email input:focus {
    outline: none;
    border-color: var(--gold, #B8954F);
}
.fcq-email .gdpr {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.85rem;
    color: var(--text, #1a1a1a);
    line-height: 1.5;
    margin: 14px 0 22px;
    cursor: pointer;
}
.fcq-email .gdpr input { width: auto; margin-top: 4px; }
.fcq-free-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    background: rgba(184,149,79,0.12);
    border: 1px solid var(--gold, #B8954F);
    color: var(--gold, #B8954F);
    border-radius: 999px;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 18px;
}

.fcq-done { text-align: center; align-items: center; padding-top: 40px; }
.fcq-done svg {
    width: 56px;
    height: 56px;
    color: var(--gold, #B8954F);
    margin-bottom: 18px;
}

.fcq-timeout-banner {
    margin-bottom: 18px;
    padding: 12px 16px;
    background: #fff5f3;
    border: 1px solid #f5cdc3;
    color: #c0392b;
    font-size: 0.88rem;
    text-align: center;
}

@media (max-width: 768px) {
    .fcq-modal { padding: 16px 10px; }
    .fcq-card { padding: 48px 20px 24px; }
    .fcq-top { font-size: 0.62rem; margin-bottom: 24px; }
    .fcq-progress { margin: 0 10px; }
    .fcq-score-ring { width: 150px; height: 150px; }
    .fcq-score-num { font-size: 2.4rem; }
    .fcq-cta { flex-direction: column-reverse; gap: 10px; }
    .fcq-cta .fcq-btn { width: 100%; }
}