:root {
    --cof-text:         #152033;
    --cof-muted:        #6b7280;
    --cof-line:         #e5e7eb;
    --cof-primary:      #05549E;
    --cof-primary-dark: #0170B9;
    --cof-shadow:       0 10px 30px rgba(0, 0, 0, 0.08);
}

* { box-sizing: border-box; }

.cof-wrap {
    padding: 16px;
    display: flex;
    justify-content: center;
    font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    color: var(--cof-text);
}

.cof-shell {
    width: 100%;
    max-width: 560px;
    background: #fff;
    border-radius: 24px;
    box-shadow: var(--cof-shadow);
    overflow: hidden;
}

/* Progress */
.cof-progress-wrap {
    padding: 18px 20px 10px;
    background: #fff;
}

.cof-progress-meta {
    display: flex;
    justify-content: space-between;
    font-size: 14px;
    color: var(--cof-muted);
    margin-bottom: 10px;
}

.cof-progress-bar {
    width: 100%;
    height: 10px;
    background: #05549E;
    border-radius: 999px;
    overflow: hidden;
}

.cof-progress-fill {
    width: 33%;
    height: 100%;
    background: linear-gradient(90deg, var(--cof-primary), #05549E);
    border-radius: 999px;
    transition: width 0.25s ease;
}

/* Form body */
.cof-form-body {
    padding: 24px 20px 20px;
}

.cof-step { display: none; }
.cof-step.active { display: block; }

.cof-step h2 {
    margin: 0 0 8px;
    font-size: 28px;
    line-height: 1.2;
}

.cof-subtext {
    margin: 0 0 20px;
    color: var(--cof-muted);
    font-size: 15px;
}

/* Fields */
.cof-field { margin-bottom: 18px; }

.cof-field label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    font-size: 15px;
}

.cof-field input[type="text"],
.cof-field input[type="tel"] {
    width: 100%;
    height: 58px;
    border: 1.5px solid var(--cof-line);
    border-radius: 14px;
    padding: 0 16px;
    font-size: 16px;
    outline: none;
    background: #fff;
    transition: border-color 0.2s, box-shadow 0.2s;
}

.cof-field input:focus {
    border-color: #05549E;
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

/* Cards */
.cof-group { margin-bottom: 22px; }

.cof-group-title {
    margin-bottom: 10px;
    font-size: 15px;
    font-weight: 700;
}

.cof-card-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.cof-option-card {
    min-height: 64px;
    padding: 14px 12px;
    border: 1.5px solid var(--cof-line);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    font-weight: 600;
    font-size: 15px;
    cursor: pointer;
    transition: all 0.15s ease;
    user-select: none;
    -webkit-tap-highlight-color: transparent;
}

.cof-option-card:hover {
    border-color: #93c5fd;
    transform: translateY(-1px);
}

.cof-option-card.selected {
    border-color: var(--cof-primary);
    background: #05549E;
    color: var(--cof-primary-dark);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

/* Buttons */
.cof-cta {
    width: 100%;
    height: 58px;
    border: 0;
    border-radius: 14px;
    background:#05549E;
    color: #fff;
    font-size: 17px;
    font-weight: 700;
    cursor: pointer;
    transition: background 0.2s, opacity 0.2s;
    display: block;
}

.cof-cta:hover    { background: var(--cof-primary-dark); }
.cof-cta:disabled { opacity: 0.65; cursor: not-allowed; }

.cof-back {
    display: block;
    margin-top: 12px;
    background: transparent;
    border: 0;
    color: var(--cof-muted);
    font-size: 14px;
    cursor: pointer;
    padding: 8px 2px;
}

.cof-microcopy {
    margin: 12px 0 18px;
    color: var(--cof-muted);
    font-size: 14px;
    line-height: 1.5;
}

.cof-error {
    display: none;
    margin-top: 6px;
    color: #dc2626;
    font-size: 13px;
}

/* Success */
.cof-success {
    text-align: center;
    padding: 40px 20px;
}

.cof-success-emoji { font-size: 48px; margin-bottom: 10px; }
.cof-success h2    { margin: 0 0 10px; font-size: 26px; }
.cof-success p     { color: var(--cof-muted); font-size: 15px; }

/* Mobile */
@media (max-width: 640px) {
    .cof-wrap  { padding: 0; }
    .cof-shell { max-width: 100%; min-height: 100vh; border-radius: 0; }

    .cof-form-body { padding: 20px 16px 28px; }
    .cof-step h2   { font-size: 24px; }

    .cof-card-grid { grid-template-columns: 1fr; }

    .cof-option-card {
        min-height: 10px;
        font-size: 16px;
    }
}