:root {
  --bg: #f4f5f7;
  --card-bg: #ffffff;
  --border: #dfe2e6;
  --text: #1f2430;
  --muted: #6b7280;
  --accent: #1a5f4a;
  --accent-dark: #123f31;
  --danger: #b3261e;
  --error-bg: #fdecea;
  --success-bg: #e9f7ef;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Microsoft YaHei", Roboto, sans-serif;
  line-height: 1.4;
}

.page {
  max-width: 900px;
  margin: 0 auto;
  padding: 24px 16px 64px;
}

.page-header h1 {
  margin: 0 0 4px;
  font-size: 26px;
}

.subtitle {
  color: var(--muted);
  margin: 0 0 20px;
  font-size: 14px;
}

.cn {
  color: var(--muted);
  font-weight: 400;
}

.required {
  color: var(--danger);
}

.card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 20px;
  margin-bottom: 18px;
}

.card h2 {
  margin: 0 0 16px;
  font-size: 18px;
  border-bottom: 1px solid var(--border);
  padding-bottom: 10px;
}

.card h2 small {
  display: block;
  font-weight: 400;
  color: var(--muted);
  font-size: 13px;
  margin-top: 4px;
}

.grid {
  display: grid;
  gap: 14px 16px;
  margin-bottom: 14px;
}

.grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

@media (max-width: 720px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .grid-3 { grid-template-columns: 1fr; }
}

label {
  display: flex;
  flex-direction: column;
  gap: 4px;
  font-size: 13px;
  font-weight: 600;
}

label.full {
  margin-bottom: 14px;
}

input, select, textarea {
  font-family: inherit;
  font-size: 14px;
  font-weight: 400;
  padding: 8px 10px;
  border: 1px solid var(--border);
  border-radius: 6px;
  background: #fff;
  color: var(--text);
  width: 100%;
}

input:focus, select:focus, textarea:focus {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
}

textarea {
  resize: vertical;
}

.beneficiary-row {
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 14px;
  margin-bottom: 12px;
  position: relative;
}

.beneficiary-row .grid {
  margin-bottom: 0;
}

.remove-beneficiary {
  position: absolute;
  top: 10px;
  right: 10px;
  background: none;
  border: none;
  color: var(--danger);
  cursor: pointer;
  font-size: 13px;
  font-weight: 600;
}

.btn-secondary {
  background: #fff;
  border: 1px solid var(--accent);
  color: var(--accent);
  padding: 8px 14px;
  border-radius: 6px;
  cursor: pointer;
  font-size: 13px;
  font-weight: 600;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
  border: none;
  padding: 12px 24px;
  border-radius: 8px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  width: 100%;
}

.btn-primary:hover, .btn-secondary:hover {
  background: var(--accent-dark);
}

.btn-secondary:hover {
  background: var(--accent);
  color: #fff;
}

.btn-primary:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

.checkbox {
  flex-direction: row;
  align-items: flex-start;
  font-weight: 400;
  font-size: 14px;
  gap: 8px;
}

.checkbox input {
  width: auto;
  margin-top: 3px;
}

.form-message {
  margin: 12px 0;
  padding: 10px 14px;
  border-radius: 6px;
  font-size: 14px;
  display: none;
}

.form-message.error {
  display: block;
  background: var(--error-bg);
  color: var(--danger);
}

.form-message.success {
  display: block;
  background: var(--success-bg);
  color: #1e6b3c;
}