/* Layout: public landing and questionnaire, then a working model with a sticky tab bar. Summary first, detail folded away. */
:root{
  --bg:#f1f3f6; --surface:#fcfcfd; --surface-2:#eef1f5; --ink:#101820; --ink-2:#45515e; --muted:#6f7a87;
  --line:#dde2e8; --line-2:#c7ced7;
  --accent:#1f3d73; --accent-ink:#ffffff; --accent-soft:#e1e8f4; --accent-2:#2e5aa8;
  --good:#0ca30c; --good-ink:#006300; --warn:#fab219; --warn-ink:#7a5000; --crit:#d03b3b; --crit-ink:#b42323;
  --s1:#2a78d6; --s2:#eb6834; --s3:#1baf7a; --s4:#eda100; --s5:#e87ba4; --s6:#008300; --s7:#4a3aa7; --s8:#e34948;
  --r1:#86b6ef; --r2:#2a78d6; --r3:#104281;
  --neutral-series:#b3bbc5; --grp-exp:#8f99a5; --grp-loan:#56616e; --grp-tax:#c3c9d1;
  --f-display:"Bricolage Grotesque","Public Sans",system-ui,sans-serif;
  --f-body:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --r:10px; --r-sm:6px;
  color-scheme:light;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0d1014; --surface:#151a20; --surface-2:#1c222a; --ink:#eef2f6; --ink-2:#b4bdc8; --muted:#8a94a1;
    --line:#262d36; --line-2:#36404b;
    --accent:#9db8ea; --accent-ink:#0d1014; --accent-soft:#1c2940; --accent-2:#b9cdf1;
    --good-ink:#35c235; --warn-ink:#fab219; --crit-ink:#f07a7a;
    --s1:#3987e5; --s2:#d95926; --s3:#199e70; --s4:#c98500; --s5:#d55181; --s6:#008300; --s7:#9085e9; --s8:#e66767;
    --r1:#184f95; --r2:#3987e5; --r3:#9ec5f4;
    --neutral-series:#4b5460; --grp-exp:#66707c; --grp-loan:#97a2ae; --grp-tax:#3a424d;
    color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --bg:#0d1014; --surface:#151a20; --surface-2:#1c222a; --ink:#eef2f6; --ink-2:#b4bdc8; --muted:#8a94a1;
  --line:#262d36; --line-2:#36404b;
  --accent:#9db8ea; --accent-ink:#0d1014; --accent-soft:#1c2940; --accent-2:#b9cdf1;
  --good-ink:#35c235; --warn-ink:#fab219; --crit-ink:#f07a7a;
  --s1:#3987e5; --s2:#d95926; --s3:#199e70; --s4:#c98500; --s5:#d55181; --s6:#008300; --s7:#9085e9; --s8:#e66767;
  --r1:#184f95; --r2:#3987e5; --r3:#9ec5f4;
  --neutral-series:#4b5460; --grp-exp:#66707c; --grp-loan:#97a2ae; --grp-tax:#3a424d;
  color-scheme:dark;
}
*{box-sizing:border-box}
html,body{margin:0}
body{background:var(--bg);color:var(--ink);font-family:var(--f-body);font-size:14px;line-height:1.5;-webkit-font-smoothing:antialiased}
[hidden]{display:none!important}
a{color:var(--accent)}
img{max-width:100%}
.wrap{max-width:1260px;margin:0 auto;padding-inline:clamp(16px,3vw,32px)}
.eyebrow{font-size:13px;font-weight:600;color:var(--muted);margin:0 0 6px}
h1,h2{font-family:var(--f-display);font-weight:600;letter-spacing:-.02em;margin:0;text-wrap:balance}
h1{font-size:clamp(34px,5.4vw,60px);line-height:1.02}
h2{font-size:clamp(22px,2.6vw,30px);line-height:1.15}
h3{font-size:14px;font-weight:600;margin:0;line-height:1.35}
p{margin:0}
.sub{color:var(--ink-2);font-size:13px;margin-top:2px;max-width:70ch}
.lead{font-size:clamp(16px,1.6vw,19px);color:var(--ink-2);max-width:56ch;line-height:1.55}
.btn{font:inherit;font-weight:600;font-size:13px;border-radius:var(--r-sm);padding:8px 14px;border:1px solid var(--line-2);background:var(--surface);color:var(--ink);cursor:pointer;white-space:nowrap;text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.btn:hover{border-color:var(--ink-2)}
.btn.primary{background:var(--accent);border-color:var(--accent);color:var(--accent-ink)}
.btn.primary:hover{filter:brightness(1.08)}
.btn.big{font-size:15px;padding:12px 20px;border-radius:8px}
.btn.ghost{background:transparent}
.btn.small{font-size:12px;padding:5px 9px}
.btn.danger{color:var(--crit-ink)}
.btn:disabled{opacity:.5;cursor:not-allowed}
.btn:focus-visible,.iconbtn:focus-visible,.subbtn:focus-visible,.linkbtn:focus-visible,.choice:focus-visible,.switch:focus-visible,.tabbtn:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.iconbtn{border:1px solid transparent;background:none;color:var(--muted);width:28px;height:28px;border-radius:6px;cursor:pointer;font-size:16px;line-height:1}
.iconbtn:hover{color:var(--crit-ink);border-color:var(--line-2)}
.linkbtn{appearance:none;border:0;background:none;color:var(--accent);font:inherit;font-size:12.5px;font-weight:600;padding:2px 0;cursor:pointer;justify-self:start;text-align:left}
.linkbtn:hover{text-decoration:underline}
input,select{font:inherit;font-size:13.5px;color:var(--ink);background:var(--surface-2);border:1px solid var(--line-2);border-radius:var(--r-sm);padding:7px 9px;width:100%;min-width:0}
input[type="number"]{font-variant-numeric:tabular-nums}
input:focus-visible,select:focus-visible{outline:2px solid var(--accent);outline-offset:1px}
input[type="range"]{padding:0;border:0;background:none;accent-color:var(--accent);height:22px;cursor:pointer}
.unit{display:flex;align-items:stretch;border:1px solid var(--line-2);border-radius:var(--r-sm);background:var(--surface-2);overflow:hidden;min-width:0}
.unit input{border:0;background:transparent;border-radius:0}
.unit input:focus-visible{outline:none}
.unit:focus-within{outline:2px solid var(--accent);outline-offset:1px}
.unit>span{padding:0 8px;display:flex;align-items:center;font-size:12px;color:var(--muted);border-left:1px solid var(--line);background:var(--surface);white-space:nowrap}
.field{display:grid;gap:5px;min-width:0}
.field>label,.lbl{font-size:12px;font-weight:600;color:var(--ink-2)}
.hint{font-size:11.5px;color:var(--muted);line-height:1.45}
.two{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.three{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}
.row{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.chip{display:inline-flex;align-items:center;gap:5px;font-size:11.5px;font-weight:600;padding:2px 8px;border-radius:999px;border:1px solid var(--line-2);color:var(--ink-2);background:var(--surface-2);white-space:nowrap;line-height:1.5}
.chip .ic{font-size:10px}
.chip.good{color:var(--good-ink);border-color:color-mix(in srgb,var(--good) 45%,transparent);background:color-mix(in srgb,var(--good) 9%,var(--surface))}
.chip.warn{color:var(--warn-ink);border-color:color-mix(in srgb,var(--warn) 60%,transparent);background:color-mix(in srgb,var(--warn) 12%,var(--surface))}
.chip.crit{color:var(--crit-ink);border-color:color-mix(in srgb,var(--crit) 50%,transparent);background:color-mix(in srgb,var(--crit) 9%,var(--surface))}
.tag{font-size:11px;font-weight:600;padding:1px 7px;border-radius:4px;border:1px solid var(--line-2);color:var(--muted);white-space:nowrap;display:inline-block;line-height:1.6;vertical-align:1px}
.tag.fact{color:var(--good-ink);border-color:color-mix(in srgb,var(--good) 40%,transparent)}
.tag.assume{color:var(--warn-ink);border-color:color-mix(in srgb,var(--warn) 55%,transparent)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ---------- top bar ---------- */
.topbar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px;padding-block:14px}
.brand{display:inline-flex;align-items:center;gap:10px;font-family:var(--f-display);font-weight:600;font-size:19px;letter-spacing:-.01em;color:var(--ink);text-decoration:none}
.brand svg{flex:none}
.top-actions{display:flex;flex-wrap:wrap;gap:8px;align-items:center;justify-content:flex-end}
.save{font-size:12px;color:var(--muted);display:inline-flex;align-items:center;gap:6px}
.save i{width:8px;height:8px;border-radius:50%;background:var(--neutral-series);display:inline-block}
.save[data-s="local"] i{background:var(--neutral-series)} .save[data-s="saved"] i{background:var(--good)} .save[data-s="saving"] i,.save[data-s="pending"] i{background:var(--warn)} .save[data-s="error"] i{background:var(--crit)}
/* ---------- landing ---------- */
.landing{padding-bottom:64px}
.hero{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:clamp(24px,4vw,56px);align-items:center;padding-block:clamp(28px,6vw,72px) clamp(32px,6vw,64px);position:relative}
@media (max-width:900px){.hero{grid-template-columns:minmax(0,1fr)}}
#view-landing{overflow-x:clip}
.hero .lead{margin-top:18px}
.hero .row{margin-top:26px;gap:12px}
.hero-note{margin-top:14px;font-size:12.5px;color:var(--muted)}
.hero-card{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:0 18px 50px rgba(16,24,32,.08);display:grid;gap:10px;min-width:0}
.hero-card .chart{height:300px}
.mini-kpis{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.mini-kpis div{background:var(--surface-2);border-radius:8px;padding:8px 10px}
.mini-kpis b{display:block;font-size:17px;font-weight:600}
.mini-kpis span{font-size:11.5px;color:var(--muted)}
.section{padding-block:clamp(36px,6vw,64px);border-top:1px solid var(--line)}
.section-h{display:grid;gap:8px;margin-bottom:28px;max-width:720px}
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;list-style:none;margin:0;padding:0;counter-reset:s}
@media (max-width:820px){.steps{grid-template-columns:minmax(0,1fr)}}
.steps li{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:20px;display:grid;gap:8px;counter-increment:s;align-content:start}
.steps li::before{content:counter(s);font-family:var(--f-display);font-size:28px;font-weight:600;color:var(--accent-2);line-height:1}
.steps p{color:var(--ink-2);font-size:13.5px}
.features{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
@media (max-width:820px){.features{grid-template-columns:minmax(0,1fr)}}
.feature{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:20px;display:grid;gap:8px;align-content:start}
.feature p{color:var(--ink-2);font-size:13.5px}
.countries{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.countries span{border:1px solid var(--line-2);border-radius:999px;padding:4px 12px;font-size:13px;font-weight:600;background:var(--surface)}
.privacy{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px;align-items:start}
@media (max-width:820px){.privacy{grid-template-columns:minmax(0,1fr)}}
.privacy ul{margin:0;padding-left:1.1em;display:grid;gap:8px;color:var(--ink-2)}
.cta-band{background:var(--accent);color:var(--accent-ink);border-radius:16px;padding:clamp(24px,4vw,40px);display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between;margin-top:8px}
.cta-band h2{color:var(--accent-ink)}
.cta-band .btn{background:var(--accent-ink);color:var(--accent);border-color:var(--accent-ink)}
.foot{font-size:12px;color:var(--muted);padding-block:28px;display:flex;flex-wrap:wrap;gap:8px 20px;justify-content:space-between}

/* ---------- questionnaire ---------- */
.onb{max-width:680px;margin:0 auto;padding-block:16px 64px}
.progress{display:flex;gap:4px;margin:8px 0 26px}
.progress i{flex:1;height:4px;border-radius:2px;background:var(--line)}
.progress i.on{background:var(--accent)}
.step{display:grid;gap:18px}
.step h2{font-size:clamp(24px,3vw,32px)}
.step .lead{font-size:15px}
.choices{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:10px}
.choice{appearance:none;font:inherit;text-align:left;border:1.5px solid var(--line-2);background:var(--surface);color:var(--ink);border-radius:var(--r);padding:14px;cursor:pointer;display:grid;gap:4px;align-content:start}
.choice:hover{border-color:var(--ink-2)}
.choice[aria-pressed="true"]{border-color:var(--accent);background:var(--accent-soft);box-shadow:inset 0 0 0 1px var(--accent)}
.choice b{font-size:14px}
.choice span{font-size:12.5px;color:var(--muted)}
.qcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:16px;display:grid;gap:12px}
.preview{border-left:3px solid var(--accent);background:var(--surface);border-radius:var(--r-sm);padding:10px 12px;font-size:13.5px;color:var(--ink-2)}
.preview b{color:var(--ink);font-size:16px}
.amt-list{display:grid;gap:8px}
.amt-row{display:grid;grid-template-columns:minmax(0,1fr) 170px;gap:12px;align-items:center}
.amt-row .nm b{font-weight:600;font-size:13.5px;display:block}
.amt-row .nm span{font-size:12px;color:var(--muted)}
@media (max-width:520px){.amt-row{grid-template-columns:minmax(0,1fr)}}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chipbtn{appearance:none;font:inherit;font-size:13px;font-weight:600;border:1px solid var(--line-2);background:var(--surface);color:var(--ink-2);border-radius:999px;padding:6px 12px;cursor:pointer}
.chipbtn[aria-pressed="true"]{background:var(--accent);border-color:var(--accent);color:var(--accent-ink)}
.chipbtn:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.nav-row{display:flex;justify-content:space-between;gap:12px;margin-top:8px}
.bucket-pick{display:grid;gap:10px}
.bp{border:1px solid var(--line-2);border-radius:var(--r);background:var(--surface);overflow:hidden}
.bp-head{display:flex;gap:12px;align-items:flex-start;justify-content:space-between;padding:12px 14px}
.bp-head b{display:block}
.bp-head span{font-size:12.5px;color:var(--muted)}
.bp-body{border-top:1px solid var(--line);padding:12px 14px;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px;background:var(--surface-2)}
.review{display:grid;gap:0;border:1px solid var(--line);border-radius:var(--r);background:var(--surface);overflow:hidden}
.review div{display:flex;justify-content:space-between;gap:12px;padding:10px 14px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
.review div:last-child{border-bottom:0;font-weight:600}
.building{max-width:460px;margin:12vh auto;display:grid;gap:18px;text-align:left}
.building ol{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.building li{display:flex;gap:10px;align-items:center;color:var(--muted);font-size:14px}
.building li i{width:18px;height:18px;border-radius:50%;border:2px solid var(--line-2);flex:none}
.building li.done{color:var(--ink)}
.building li.done i{background:var(--good);border-color:var(--good)}
.building li.now i{border-color:var(--accent);border-top-color:transparent;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* ---------- app ---------- */
nav.tabs{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--bg);display:flex;gap:2px;overflow-x:auto;border-bottom:1px solid var(--line);margin-bottom:18px;scrollbar-width:none}
nav.tabs::-webkit-scrollbar{display:none}
.tabbtn{appearance:none;border:0;background:none;font:inherit;font-weight:600;color:var(--ink-2);padding:12px 14px 10px;border-bottom:2px solid transparent;cursor:pointer;white-space:nowrap}
.tabbtn:hover{color:var(--ink)}
.tabbtn[aria-selected="true"]{color:var(--ink);border-bottom-color:var(--accent)}
.app-main{padding-bottom:56px}
.layout{display:grid;grid-template-columns:330px minmax(0,1fr);gap:18px;align-items:start}
@media (max-width:940px){.layout{grid-template-columns:minmax(0,1fr)}}
.rail{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:16px;display:grid;gap:14px;position:sticky;top:60px;max-height:calc(100vh - 76px);overflow:auto}
@media (max-width:940px){.rail{position:static;max-height:none}}
.rail hr,.card hr{border:0;border-top:1px solid var(--line);margin:2px 0;width:100%}
.out{display:grid;gap:16px;min-width:0}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;display:grid;gap:12px;min-width:0;align-content:start}
.card-h{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-start;gap:8px 16px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
@media (max-width:760px){.grid-2{grid-template-columns:minmax(0,1fr)}}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px}
.kpi{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:13px 15px;display:grid;grid-template-columns:minmax(0,1fr);gap:3px;align-content:start;min-width:0}
.kpi .chip{white-space:normal}
@media (max-width:520px){.kpis{grid-template-columns:repeat(2,minmax(0,1fr))}.kpi .v{font-size:20px}.save span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}}
.kpi .k{font-size:12px;color:var(--ink-2);font-weight:500}
.kpi .v{font-size:23px;font-weight:600;letter-spacing:-.01em;line-height:1.2}
.kpi .v small{font-size:12px;font-weight:500;color:var(--muted);margin-left:4px;letter-spacing:0}
.kpi .d{font-size:12px;color:var(--muted);line-height:1.4}
.kpi .chip{justify-self:start;margin-top:4px}
.chart{position:relative;height:290px;min-width:0}
.chart.tall{height:340px}
.wf-wrap{overflow-x:auto;min-width:0}
.wf-inner{position:relative;height:390px;min-width:780px}
.legend{display:flex;flex-wrap:wrap;gap:8px 18px}
.lg{display:inline-flex;gap:8px;align-items:center;font-size:12.5px;font-weight:600}
.lg i{width:10px;height:10px;border-radius:3px;flex:none}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-sm);max-height:520px;overflow-y:auto}
table.tbl{border-collapse:separate;border-spacing:0;width:100%;font-variant-numeric:tabular-nums;font-size:12.5px}
.tbl th,.tbl td{padding:7px 10px;text-align:right;white-space:nowrap;border-bottom:1px solid var(--line)}
.tbl th:first-child,.tbl td:first-child{text-align:left;position:sticky;left:0;background:var(--surface);z-index:1}
.tbl thead th{font-size:11px;font-weight:600;color:var(--ink-2);background:var(--surface-2);position:sticky;top:0;z-index:2}
.tbl thead th:first-child{background:var(--surface-2);z-index:3}
.tbl tr.total td{font-weight:600;border-top:1px solid var(--line-2)}
.tbl tbody tr:last-child td{border-bottom:0}
.tbl .muted{color:var(--muted)}
.neg{color:var(--crit-ink)} .pos{color:var(--good-ink)}
details.more summary{cursor:pointer;font-size:13px;font-weight:600;color:var(--accent);padding:2px 0;width:max-content}
details.more summary:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:4px}
details.more[open] summary{margin-bottom:8px}
.ms{list-style:none;margin:0;padding:0;display:grid}
.ms li{display:grid;grid-template-columns:70px minmax(0,1fr);gap:4px 12px;padding:10px 0;border-bottom:1px solid var(--line)}
.ms li:last-child{border-bottom:0}
.ms .when{font-size:12.5px;font-weight:600;color:var(--ink-2);font-variant-numeric:tabular-nums;padding-top:1px}
.ms .what p{font-size:12.5px;color:var(--muted)}
.ms .chip{justify-self:start;margin-top:4px}
.callout{border:1px solid var(--line);border-left:3px solid var(--warn);border-radius:var(--r-sm);padding:10px 12px;font-size:13px;color:var(--ink-2);background:var(--surface)}
.callout.crit{border-left-color:var(--crit)} .callout.info{border-left-color:var(--accent)}
.callout b{color:var(--ink)}
.banner{display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center;justify-content:space-between;padding:10px 14px;border-radius:var(--r-sm);background:var(--accent-soft);color:var(--ink);font-size:13px;margin-bottom:14px}
/* expense rows with sliders */
.xlist{display:grid}
.xrow{display:grid;grid-template-columns:minmax(150px,1.3fr) minmax(120px,1.6fr) 150px 90px 30px;gap:12px;align-items:center;padding:8px 0;border-bottom:1px solid var(--line)}
.xrow:last-child{border-bottom:0}
.xrow .name input{background:transparent;border-color:transparent;font-weight:600;padding:5px 6px}
.xrow .name input:hover{border-color:var(--line-2)} .xrow .name input:focus{background:var(--surface-2);border-color:var(--line-2)}
.xrow .yr{text-align:right;font-size:12.5px;color:var(--muted);font-variant-numeric:tabular-nums}
.xrow .unit input{text-align:right}
.xrow .loan{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:8px 14px;align-items:center;background:var(--surface-2);border-radius:var(--r-sm);padding:8px 10px;font-size:12.5px;color:var(--ink-2)}
.xrow .loan .unit{width:130px} .xrow .loan select{width:auto}
.xhead{display:grid;grid-template-columns:minmax(150px,1.3fr) minmax(120px,1.6fr) 150px 90px 30px;gap:12px;font-size:11px;color:var(--muted);font-weight:600;padding-bottom:4px;border-bottom:1px solid var(--line-2)}
.xhead span:nth-child(3),.xhead span:nth-child(4){text-align:right}
.xtotal{display:flex;justify-content:space-between;font-weight:600;padding-top:10px;font-variant-numeric:tabular-nums}
@media (max-width:720px){
  .xhead{display:none}
  .xrow{grid-template-columns:minmax(0,1fr) 30px;gap:6px 10px}
  .xrow .name{grid-column:1/2} .xrow .iconbtn{grid-column:2/3;grid-row:1}
  .xrow .slide,.xrow .amt,.xrow .yr{grid-column:1/-1}
  .xrow .yr{text-align:left}
}
.slider-field{display:grid;grid-template-columns:minmax(0,1fr) 130px;gap:10px;align-items:center}
/* lists in rails */
.lst{display:grid;gap:6px}
.lst-cols,.lst-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr) 28px;gap:6px;align-items:center}
.lst-cols span{font-size:11px;color:var(--muted);font-weight:600}
.lst-row input,.lst-row select{font-size:12.5px;padding:6px 7px}
.lst-cols.wide,.lst-row.wide{grid-template-columns:minmax(130px,1.1fr) minmax(90px,.9fr) minmax(140px,1.1fr) minmax(0,1.4fr) 28px}
.lst-row .res{font-size:12.5px;color:var(--ink-2);font-variant-numeric:tabular-nums;min-width:0}
@media (max-width:640px){
  .lst-cols.wide{display:none}
  .lst-row.wide{grid-template-columns:minmax(0,1fr) minmax(0,1fr) 28px;padding-bottom:8px;border-bottom:1px solid var(--line)}
  .lst-row.wide .res{grid-column:1/-1}
}
.inline-fields{display:flex;flex-wrap:wrap;gap:12px 20px;align-items:flex-end}
.inline-fields .field{width:220px}
/* savings nav */
.subnav{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:14px;align-items:center}
.subbtn{border:1px solid var(--line-2);background:var(--surface);color:var(--ink-2);padding:6px 12px;border-radius:999px;font:inherit;font-weight:600;font-size:13px;cursor:pointer;display:inline-flex;gap:8px;align-items:center}
.subbtn .sw{width:9px;height:9px;border-radius:3px;display:inline-block}
.subbtn[aria-selected="true"]{background:var(--ink);color:var(--bg);border-color:var(--ink)}
.subbtn.add{border-style:dashed;color:var(--accent)}
.subbtn .off{font-size:11.5px;font-weight:500;opacity:.75}
.bucket-head{display:flex;flex-wrap:wrap;gap:10px 16px;align-items:center;justify-content:space-between;margin-bottom:14px}
.bucket-head .nm{display:flex;flex-wrap:wrap;gap:8px 10px;align-items:center;min-width:0;flex:1 1 320px}
.bucket-head .nm input{font-family:var(--f-display);font-size:22px;font-weight:600;letter-spacing:-.01em;background:transparent;border-color:transparent;padding:2px 6px;flex:1 1 200px;max-width:420px;min-width:0}
.bucket-head .nm input:hover{border-color:var(--line-2)} .bucket-head .nm input:focus{background:var(--surface);border-color:var(--line-2)}
.bucket-head .sw{width:12px;height:12px;border-radius:4px;flex:none}
.switch{appearance:none;border:1px solid var(--line-2);background:var(--surface);border-radius:999px;padding:4px 12px 4px 4px;display:inline-flex;gap:8px;align-items:center;font:inherit;font-size:12.5px;font-weight:600;color:var(--ink-2);cursor:pointer}
.switch i{width:34px;height:20px;border-radius:999px;background:var(--line-2);position:relative;transition:background .15s}
.switch i::after{content:"";position:absolute;top:2px;left:2px;width:16px;height:16px;border-radius:50%;background:#fff;box-shadow:0 1px 2px rgba(0,0,0,.25);transition:transform .15s}
.switch[aria-checked="true"] i{background:var(--good)}
.switch[aria-checked="true"] i::after{transform:translateX(14px)}
.paused-note{margin-bottom:14px}
.empty{display:grid;gap:12px;justify-items:start;padding:28px;border:1.5px dashed var(--line-2);border-radius:var(--r);background:var(--surface)}
/* dialogs */
dialog{border:1px solid var(--line-2);border-radius:14px;background:var(--surface);color:var(--ink);padding:0;width:min(560px,calc(100vw - 32px));box-shadow:0 30px 80px rgba(0,0,0,.25)}
dialog::backdrop{background:rgba(10,14,20,.45)}
.dlg{padding:22px;display:grid;gap:14px}
.dlg h2{font-size:22px}
.dlg .err{color:var(--crit-ink);font-size:12.5px}
.dlg .ok{color:var(--good-ink);font-size:12.5px}
.type-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
@media (max-width:520px){.type-grid{grid-template-columns:minmax(0,1fr)}}
/* plan vs actual */
.drop{border:1.5px dashed var(--line-2);border-radius:var(--r);padding:26px 18px;display:grid;gap:8px;justify-items:center;text-align:center;color:var(--ink-2);background:var(--surface);cursor:pointer}
.drop.over{border-color:var(--accent);background:var(--accent-soft)}
.drop input[type=file]{position:absolute;width:1px;height:1px;opacity:0;pointer-events:none}
.map-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px}
.catmap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:6px 12px;align-items:center}
.catmap .nm{font-size:13px;min-width:0;overflow-wrap:anywhere}
.catmap .nm span{display:block;font-size:11.5px;color:var(--muted)}
.seg{display:inline-flex;border:1px solid var(--line-2);border-radius:var(--r-sm);overflow:hidden}
.seg button{font:inherit;font-size:12.5px;font-weight:600;border:0;background:var(--surface);color:var(--ink-2);padding:6px 10px;cursor:pointer}
.seg button[aria-pressed="true"]{background:var(--ink);color:var(--bg)}
.inline-select{display:inline-flex;gap:8px;align-items:center;font-size:12.5px;color:var(--ink-2);font-weight:600}
.inline-select select{width:auto}
.notes{font-size:12.5px;color:var(--ink-2)}
.notes ul{margin:0;padding-left:1.1em;display:grid;gap:6px}
footer.src{margin-top:28px;border-top:1px solid var(--line);padding-top:16px;display:grid;gap:10px;font-size:12.5px;color:var(--ink-2)}
footer.src ul{margin:0;padding-left:1.1em;display:grid;gap:6px}
/* ---------- members-only areas ---------- */
.locked{position:relative;min-height:260px}
.locked-in{filter:blur(6px);opacity:.5;pointer-events:none;user-select:none}
.lock-card{position:absolute;inset:0;display:flex;justify-content:center;align-items:flex-start;padding:clamp(20px,6vh,64px) 12px 12px}
.lock-box{position:sticky;top:84px;background:var(--surface);border:1px solid var(--line-2);border-radius:12px;box-shadow:0 18px 44px rgba(16,24,32,.16);padding:20px 22px;max-width:440px;width:100%;display:grid;gap:8px;justify-items:start}
.lock-box h3{font-family:var(--f-display);font-size:19px;letter-spacing:-.01em}
.lock-box p{color:var(--ink-2);font-size:13.5px;margin-bottom:6px}
.lock-ico{width:30px;height:30px;border-radius:8px;background:var(--accent-soft);color:var(--accent);display:grid;place-items:center}
.btn svg,.linkbtn svg{flex:none;vertical-align:-2px}
.xrow .loan .linkbtn{display:inline-flex;gap:6px;align-items:center}
/* ---------- ready screen ---------- */
.ready{max-width:900px;margin:0 auto;padding-block:20px 64px;display:grid;gap:22px}
.ready .mini-kpis{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:640px){.ready .mini-kpis{grid-template-columns:repeat(2,minmax(0,1fr))}}
.ready .mini-kpis div{background:var(--surface);border:1px solid var(--line)}
.ready-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:16px;align-items:stretch}
@media (max-width:760px){.ready-grid{grid-template-columns:minmax(0,1fr)}}
.ready-card{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:22px;display:grid;gap:12px;align-content:start}
.ready-card.main{border-color:var(--accent);box-shadow:inset 0 0 0 1px var(--accent)}
.ready-card h3{font-family:var(--f-display);font-size:20px;letter-spacing:-.01em}
.ready-card p{color:var(--ink-2)}
.ready-card ul{margin:0;padding-left:1.1em;display:grid;gap:4px;color:var(--ink-2);font-size:13.5px}
.ready-card .btn{justify-self:start;margin-top:4px}
/* ---------- sign up and log in ---------- */
.auth-seg{justify-self:start}
.oauth:empty,.dlg .err:empty{display:none}
.dlg-actions{margin-left:auto}
.oauth{display:grid;gap:8px}
.oauth .btn{justify-content:center;width:100%;padding:10px 14px}
.or{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:12px}
.or::before,.or::after{content:"";flex:1;border-top:1px solid var(--line)}
/* ---------- profile ---------- */
nav.tabs .tabbtn[data-tab="profile"]{margin-left:auto}
.profile{max-width:720px}
.kv{display:grid;margin:0}
.kv div{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid var(--line)}
.kv div:last-child{border-bottom:0}
.kv dt{color:var(--muted);font-size:13px}
.kv dd{margin:0;font-weight:600;overflow-wrap:anywhere;text-align:right}
.danger-zone{border-color:color-mix(in srgb,var(--crit) 35%,var(--line))}
.btn.danger-solid{background:var(--crit);border-color:var(--crit);color:#fff}
.btn.danger-solid:hover{filter:brightness(1.08)}
/* ---------- toast ---------- */
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);background:var(--ink);color:var(--bg);padding:10px 16px;border-radius:8px;font-size:13.5px;font-weight:500;box-shadow:0 12px 32px rgba(0,0,0,.2);z-index:100;max-width:calc(100vw - 32px)}
@media (prefers-reduced-motion: reduce){*{transition:none!important;animation:none!important}}