/* ============================================================
   FIRE Calculator — styles
   ============================================================ */

/* print-only plan summary (hidden on screen) */
.print-summary { display: none; }

/* ---------- Guided setup wizard ---------- */
.wizard-overlay {
  position: fixed; inset: 0; z-index: 300;
  display: flex; align-items: center; justify-content: center;
  padding: 20px;
  background: rgba(5, 8, 16, 0.72);
  backdrop-filter: blur(6px);
}
.wizard-card {
  position: relative;
  width: 100%; max-width: 520px;
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 20px;
  box-shadow: 0 24px 70px rgba(0,0,0,.5);
  padding: 30px 30px 22px;
  animation: wizpop .22s ease;
}
@keyframes wizpop { from { opacity: 0; transform: translateY(12px) scale(.98); } to { opacity: 1; transform: none; } }
.wizard-close {
  position: absolute; top: 14px; right: 16px;
  width: 30px; height: 30px; border-radius: 8px;
  background: transparent; border: none; color: var(--text-mute);
  font-size: 22px; line-height: 1; cursor: pointer;
}
.wizard-close:hover { color: var(--text); background: var(--bg-soft); }

/* Feedback modal */
.fb-overlay { position: fixed; inset: 0; z-index: 320; display: flex; align-items: center; justify-content: center; padding: 20px; background: rgba(5, 8, 16, 0.72); backdrop-filter: blur(6px); }
.fb-card { position: relative; width: 100%; max-width: 460px; background: var(--panel); border: 1px solid var(--line); box-shadow: 0 24px 70px rgba(0,0,0,.5); padding: 26px 26px 20px; animation: wizpop .22s ease; }
.fb-title { font-size: 19px; font-weight: 800; letter-spacing: -0.02em; margin: 0 0 6px; }
.fb-sub { font-size: 13px; color: var(--text-dim); line-height: 1.55; margin: 0 0 16px; }
.fb-label { display: block; font-size: 12.5px; font-weight: 600; color: var(--text-2); margin: 12px 0 5px; }
.fb-opt { font-weight: 400; color: var(--text-mute); }
.fb-textarea, .fb-input { width: 100%; background: var(--bg-soft); border: 1px solid var(--input-line); color: var(--text); font: inherit; font-size: 14px; padding: 10px 12px; box-sizing: border-box; }
.fb-textarea { resize: vertical; min-height: 96px; line-height: 1.5; }
.fb-textarea:focus, .fb-input:focus { outline: none; border-color: var(--accent); }
.fb-note { font-size: 12px; color: var(--text-mute); line-height: 1.5; margin: 12px 0 0; }
.fb-actions { display: flex; justify-content: flex-end; gap: 10px; margin-top: 18px; }
.fb-status { font-size: 13px; margin: 14px 0 0; padding: 10px 12px; line-height: 1.5; }
.fb-status.ok { background: color-mix(in srgb, var(--green) 14%, transparent); color: var(--green-text); }
.fb-status.err { background: color-mix(in srgb, var(--accent) 14%, transparent); color: var(--accent-2-text); }
.wiz-sections { display: flex; align-items: center; gap: 6px; margin-bottom: 14px; flex-wrap: wrap; }
.wiz-sec {
  background: none; border: none; padding: 3px 2px; font-size: 11.5px; font-weight: 600;
  color: var(--text-mute); cursor: default; transition: color .15s; white-space: nowrap;
}
.wiz-sec.done { color: var(--text-dim); cursor: pointer; }
.wiz-sec.done:hover { color: var(--accent-2-text); }
.wiz-sec.done::before { content: "✓ "; color: var(--green-text); }
.wiz-sec.active { color: var(--accent-2-text); }
.wiz-sec.todo { opacity: .5; }
.wiz-sec-sep { flex: 0 0 auto; width: 12px; height: 1px; background: var(--line); }
@media (max-width: 560px) { .wiz-sec { font-size: 10.5px; } .wiz-sec-sep { width: 7px; } .wiz-sec.done::before { content: "✓"; } }

.wizard-progress { height: 5px; background: var(--bg-soft); border-radius: 5px; overflow: hidden; margin-bottom: 26px; }
.wizard-progress-bar { height: 100%; width: 0; background: linear-gradient(90deg, var(--accent), var(--accent-2)); border-radius: 5px; transition: width .3s ease; }
.wizard-step { min-height: 188px; }
.wizard-eyebrow { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--accent-2-text); margin-bottom: 8px; }
.wizard-q { font-size: 22px; font-weight: 800; letter-spacing: -0.02em; line-height: 1.25; margin: 0 0 6px; }
.wizard-help { font-size: 13px; color: var(--text-dim); line-height: 1.5; margin: 0 0 18px; }
.wizard-input { margin-top: 8px; }
.wizard-input .control { background: var(--bg-soft); }
.wizard-input input, .wizard-input select { font-size: 18px; padding: 13px 14px; }
.wizard-input .control.money { position: relative; }
.wizard-input .control.money input { flex: 1; }
.wiz-cur { font-size: 13px !important; padding: 6px 4px !important; background: transparent; border: none; color: var(--text-dim); cursor: pointer; flex: none; width: auto; min-width: 56px; }
.wiz-cur:hover { color: var(--text); }
.wizard-input .control .prefix { font-size: 17px; }
.wizard-choices { display: flex; flex-direction: column; gap: 9px; margin-top: 6px; }
.wiz-summary { display: flex; flex-direction: column; gap: 7px; margin-top: 4px; max-height: 300px; overflow-y: auto; }
.wiz-sum-row { display: flex; justify-content: space-between; gap: 14px; font-size: 13px; border-bottom: 1px dashed var(--line-soft); padding-bottom: 6px; }
.wiz-sum-row span { color: var(--text-dim); flex: none; }
.wiz-sum-row b { color: var(--text); text-align: right; font-weight: 600; }
.wizard-choice {
  text-align: left; font-family: inherit;
  font-size: 15px; font-weight: 600; color: var(--text);
  background: var(--bg-soft); border: 1.5px solid var(--line);
  border-radius: 12px; padding: 14px 16px; cursor: pointer;
  transition: border-color .12s, background .12s;
}
.wizard-choice:hover { border-color: var(--accent); }
.wizard-choice.sel { border-color: var(--accent); background: color-mix(in srgb, var(--accent) 9%, transparent); }
.wizard-choice .ch-sub { display: block; font-size: 12.5px; font-weight: 400; color: var(--text-dim); margin-top: 3px; }
.wizard-nav { display: flex; align-items: center; justify-content: space-between; margin-top: 22px; gap: 12px; }
.wizard-count { font-size: 12.5px; color: var(--text-mute); font-family: var(--mono); }
.wizard-next { padding: 10px 22px; font-size: 13px; font-weight: 700; letter-spacing: .03em; background: var(--accent); border-color: var(--accent); color: var(--accent-ink); }
.wizard-next:hover { filter: brightness(1.08); border-color: var(--accent); color: var(--accent-ink); }
.wizard-next.finish { background: var(--green); border-color: var(--green); color: #04140d; }
@media (max-width: 560px) { .wizard-card { padding: 24px 20px 18px; } .wizard-q { font-size: 19px; } }

/* ============================================================
   MODERN MONO design tokens — graphite canvas, hairline rules,
   a single flame accent, squared (radius-0) geometry. The whole
   app re-skins off these tokens (see README in product-docs).
   ============================================================ */
:root {
  --bg: #0a0a0c;          /* page / outermost canvas */
  --bg-soft: #0a0b0e;     /* recessed surfaces (kept name for legacy rules) */
  --panel: #0e0f12;       /* frame & surface */
  --panel-2: #0a0b0e;     /* top bars, recessed inputs */
  --rail: #0b0c0f;        /* input rail */
  --line: #262a31;        /* structural border (frame edge) */
  --line-soft: #1c1f25;   /* hairline rules between rows/sections */
  --input-line: #3a3f47;  /* active/input field border */
  --text: #f2f3f5;        /* primary text & figures */
  --text-2: #cfd2d7;      /* secondary body */
  --text-dim: #9ba1ab;    /* helper / labels (≈7.3:1 on --bg, AA) */
  --text-mute: #818791;   /* least-emphasis, captions (≈5.1:1 on --bg, AA — was #6a6f78 at 3.9:1) */
  --accent: #ff6a2c;      /* the single flame accent */
  --accent-2: #ff6a2c;    /* Modern Mono folds the old amber into one flame */
  --accent-ink: #0e0f12;  /* dark ink on a flame fill */
  --accent-deep: #ff6a2c;
  --invert-fill: #f2f3f5; /* "Advanced"/active-chip fill (ink-on-dark) */
  --badge-line: #3a2415;  /* sponsored-badge border */
  --flame: #ff6a2c;
  --green: #34d399;
  --green-dim: #123026;
  --red: #f87171;
  --red-dim: #341a1a;
  --blue: #5b9dff;
  --purple: #a78bfa;
  /* Functional TEXT colors (light overrides them for WCAG-AA). */
  --accent-text: var(--accent);
  --accent-2-text: var(--accent);
  --green-text: var(--green);
  --red-text: var(--red);
  --blue-text: var(--blue);
  --shadow: 0 24px 70px rgba(0, 0, 0, 0.5);
  --radius: 0;
  --radius-sm: 0;
  --mono: "JetBrains Mono", ui-monospace, SFMono-Regular, Menlo, monospace;
}

:root.light {
  --bg: #e6e6e2;          /* warm-paper canvas */
  --bg-soft: #f6f6f3;
  --panel: #ffffff;
  --panel-2: #f6f6f3;
  --rail: #faf9f6;
  --line: #d6d6d0;
  --line-soft: #e9e9e4;
  --input-line: #c9c9c2;
  --text: #14151a;
  --text-2: #3a3d44;
  --text-dim: #5e616a;
  --text-mute: #74777e;   /* README #9a9da4, darkened to ≈4.6:1 on white (AA) for caption legibility */
  --accent: #f0541f;      /* flame, slightly deeper for light contrast */
  --accent-2: #f0541f;
  --accent-ink: #14151a;  /* dark ink on the light-theme flame */
  --accent-deep: #c2410c;
  --invert-fill: #14151a; /* ink-on-light for active chips */
  --green-dim: #d9f3ea;
  --red-dim: #fbe2e2;
  --shadow: 0 24px 60px rgba(20, 20, 20, 0.14);
  /* AA-safe functional text colors on light bgs. */
  --accent-text: #c2410c;
  --accent-2-text: #c2410c;
  --green-text: #047857;
  --red-text: #c81e1e;
  --blue-text: #1d4ed8;
}

/* THE DEFINING MOVE: squared geometry everywhere — no rounded corners on any
   card, button, input, toggle, badge or frame. Group with hairline rules +
   whitespace, not boxes. (SVG circles like chart markers are unaffected.) */
*, *::before, *::after { border-radius: 0 !important; }

* { box-sizing: border-box; }
[hidden] { display: none !important; }

html, body {
  margin: 0;
  padding: 0;
  height: 100%;
}

/* Topbar overflow "More" menu — declutters the action bar (esp. on mobile) */
.topbar-more { position: relative; flex: none; }
.more-menu {
  position: absolute; top: calc(100% + 6px); right: 0; z-index: 60;
  background: var(--panel); border: 1px solid var(--line); border-radius: 12px;
  box-shadow: 0 16px 44px rgba(0,0,0,.42); padding: 6px; min-width: 210px;
  display: flex; flex-direction: column; gap: 1px;
}
:root.light .more-menu { box-shadow: 0 16px 40px rgba(20,30,60,.18); }
.more-item {
  display: flex; align-items: center; gap: 9px; width: 100%; text-align: left;
  background: none; border: none; padding: 9px 11px; border-radius: 8px;
  font-size: 13px; font-weight: 600; color: var(--text-dim); cursor: pointer; white-space: nowrap;
}
.more-item:hover, .more-item:focus-visible { background: var(--bg-soft); color: var(--text); outline: none; }
.more-item.more-danger { color: var(--red-text); }
.more-item.more-danger:hover { background: var(--red-dim); }

/* Simple ⇄ Advanced mode */
body.mode-simple [data-adv] { display: none !important; }
/* Combined "one-field" inputs that stand in for the per-account splits in Simple mode;
   hidden in Advanced, where the detailed split fields take over. */
body.mode-advanced .simple-only { display: none !important; }
.mode-toggle { display: inline-flex; align-items: center; gap: 2px; background: var(--bg-soft); border: 1px solid var(--line); border-radius: 9px; padding: 2px; flex: none; }
.mode-seg {
  background: none; border: none; padding: 5px 12px; font-size: 12.5px; font-weight: 700;
  color: var(--text-mute); cursor: pointer; border-radius: 7px; transition: background .15s, color .15s; white-space: nowrap;
}
.mode-seg:hover { color: var(--text-dim); }
.mode-seg.on { background: var(--invert-fill); color: var(--panel); }
:root.light .mode-seg.on { color: #fff; }
@media (max-width: 620px) { .mode-seg { padding: 5px 9px; font-size: 11.5px; } }

/* Trust strip — slim credibility bar under the topbar */
.trust-strip {
  display: flex; align-items: center; flex-wrap: wrap; gap: 6px 12px;
  padding: 7px 18px; font-size: 11.5px; line-height: 1.4;
  color: var(--text-mute); background: var(--bg-soft);
  border-bottom: 1px solid var(--line-soft);
}
.trust-strip b { color: var(--text-dim); font-weight: 600; }
.ts-item { display: inline-flex; align-items: baseline; gap: 4px; }
.ts-ico { font-size: 12px; }
.ts-sep { width: 1px; height: 12px; background: var(--line); flex: none; }
.ts-link { margin-left: auto; color: var(--accent-2-text); font-weight: 600; white-space: nowrap; text-decoration: none; }
.ts-link:hover { text-decoration: underline; }
@media (max-width: 760px) {
  /* Trust signals must be SEEN on mobile — wrap them onto lines rather than
     hide 2 of 3 (and clip the privacy line mid-sentence) behind a sideways
     scroll most users never perform. */
  .trust-strip { flex-wrap: wrap; row-gap: 5px; column-gap: 12px; padding: 8px 14px; }
  .ts-item { white-space: normal; flex: 0 1 auto; }
  .ts-item b { white-space: nowrap; }
  .ts-sep { display: none; }
  .ts-link { margin-left: 0; flex-basis: 100%; }
}
@media print { .trust-strip { display: none !important; } }

body {
  font-family: "Inter", system-ui, -apple-system, sans-serif;
  background: radial-gradient(1200px 600px at 80% -10%, rgba(255, 122, 61, 0.10), transparent 60%),
              radial-gradient(900px 500px at -10% 10%, rgba(91, 157, 255, 0.08), transparent 55%),
              var(--bg);
  color: var(--text);
  -webkit-font-smoothing: antialiased;
  font-feature-settings: "cv05", "ss01";
}

#app { display: flex; flex-direction: column; min-height: 100vh; }

/* ---------- Top bar ---------- */
.topbar {
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(14px);
  background: color-mix(in srgb, var(--bg) 78%, transparent);
  border-bottom: 1px solid var(--line-soft);
}
.topbar-inner {
  max-width: 1500px;
  margin: 0 auto;
  padding: 14px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.flame { font-size: 30px; filter: drop-shadow(0 0 14px rgba(255, 90, 31, 0.6)); }
/* Modern Mono chrome motif: the planner topbar brand is a flame diamond (a square
   rotated 45°), not the emoji. Calc/marketing pages (.cf-brand .flame) keep the emoji. */
.brand .flame { font-size: 0; line-height: 0; filter: none; display: inline-flex; align-items: center; }
.brand .flame::before { content: ""; display: block; width: 9px; height: 9px; background: var(--accent); transform: rotate(45deg); }
.brand-text h1 { font-size: 17px; margin: 0; font-weight: 800; letter-spacing: .02em; text-transform: uppercase; }
.brand-text p { margin: 2px 0 0; font-size: 11px; color: var(--text-dim); }
.topbar-actions { display: flex; gap: 8px; }

/* ---------- Buttons ---------- */
.btn {
  font-family: inherit;
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  background: var(--panel-2);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 8px 14px;
  cursor: pointer;
  transition: background .15s, border-color .15s, transform .05s;
}
.btn:hover { background: var(--panel); border-color: var(--input-line); }
.btn:active { transform: translateY(1px); }
.btn.ghost { background: transparent; }
.btn.subtle { background: var(--panel-2); color: var(--text-dim); font-weight: 500; }
.btn.full { width: 100%; padding: 11px; }
/* Primary flame CTA (Modern Mono): solid flame fill, ink text — for activation
   buttons like Guided setup. Used sparingly so the accent stays meaningful. */
.btn.primary, #wizardBtn { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); font-weight: 700; letter-spacing: .03em; }
.btn.primary:hover, #wizardBtn:hover { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); filter: brightness(1.08); }
/* Calculator-page handoff: the "open the full planner" jump is the persuasive
   conversion CTA — render it as a primary flame button (Modern Mono). */
.cf-cta .btn { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); font-weight: 700; letter-spacing: .03em; }
.cf-cta .btn:hover { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); filter: brightness(1.08); }

/* ---------- Layout ---------- */
.layout {
  flex: 1;
  max-width: 1500px;
  width: 100%;
  margin: 0 auto;
  padding: 22px;
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 22px;
  align-items: start;
}

.panel {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  min-width: 0;   /* allow the grid columns to shrink below content width so the
                     panels reflow on mobile instead of forcing horizontal scroll */
}

.inputs { position: sticky; top: 86px; max-height: calc(100vh - 108px); display: flex; }
.panel-scroll { overflow-y: auto; padding: 6px 4px; width: 100%; }
.panel-scroll::-webkit-scrollbar { width: 9px; }
.panel-scroll::-webkit-scrollbar-thumb { background: var(--line); border-radius: 8px; }
.results-scroll { padding: 6px; }

/* ---------- Input groups ---------- */
.group {
  padding: 16px 18px;
  border-bottom: 1px solid var(--line-soft);
}
.group:last-child { border-bottom: none; }
.group-title {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-2-text);
  margin: 0 0 14px;
  font-weight: 700;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 13px;
}
.field:last-child { margin-bottom: 0; }
.field label {
  font-size: 13px;
  color: var(--text-dim);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 6px;
}

.control {
  display: flex;
  align-items: center;
  background: var(--bg-soft);
  border: 1px solid var(--input-line);
  overflow: hidden;
  transition: border-color .15s, box-shadow .15s;
}
.control:focus-within {
  border-color: var(--accent);
  box-shadow: none;
}
.control input {
  flex: 1;
  width: 100%;
  background: transparent;
  border: none;
  outline: none;
  color: var(--text);
  font-family: var(--mono);
  font-size: 15px;
  font-weight: 600;
  padding: 10px 12px;
}
.control input::-webkit-outer-spin-button,
.control input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.control input[type=number] { -moz-appearance: textfield; }
.control .prefix, .control .suffix {
  color: var(--text-mute);
  font-family: var(--mono);
  font-size: 14px;
  font-weight: 600;
  padding: 0 4px;
}
.control .prefix { padding-left: 12px; }
.control .suffix { padding-right: 12px; }

/* select dropdown */
.select {
  flex: 1;
  width: 100%;
  background: transparent;
  border: none;
  outline: none;
  color: var(--text);
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  padding: 10px 12px;
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%238b9099' stroke-width='3'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
}
.select option { background: var(--panel); color: var(--text); }

/* Consistent, on-brand keyboard focus ring (keyboard nav only, via :focus-visible).
   Fixes interactive elements that had no visible focus — notably selects not wrapped
   in a .control (e.g. the language picker, which had outline:none and no wrapper) —
   and guarantees a visible indicator on the dark theme regardless of UA defaults. */
.btn:focus-visible,
.seg:focus-visible,
.mode-seg:focus-visible,
.select:focus-visible,
.hero-info:focus-visible,
a:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}
/* Inputs/selects inside a .control surface focus on the wrapper instead (no double ring). */
.control .select:focus-visible { outline: none; }

.group-note {
  margin: 4px 2px 0;
  font-size: 11.5px;
  line-height: 1.5;
  color: var(--text-mute);
}
.group-note.spend-total {
  margin: 8px 0 2px;
  padding: 8px 10px;
  background: rgba(255,177,61,.08);
  border: 1px solid rgba(255,177,61,.22);
  border-radius: 9px;
  color: var(--text-dim);
}
.group-note.spend-total b { color: var(--text); font-variant-numeric: tabular-nums; }
.group-note.subhead {
  margin: 2px 2px 10px;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--text-dim);
  font-weight: 600;
}
.badge {
  font-size: 9.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  padding: 2px 6px;
  border-radius: 6px;
  vertical-align: middle;
}
.badge.pretax { background: rgba(91,157,255,.18); color: var(--blue-text); }
.badge.posttax { background: rgba(167,139,250,.18); color: var(--purple); }
.data-badge {
  display: inline-block;
  font-size: 10.5px; font-weight: 600;
  color: var(--accent-2-text);
  background: rgba(255,177,61,.12);
  border: 1px solid rgba(255,177,61,.3);
  border-radius: 6px;
  padding: 2px 7px; margin-bottom: 6px;
  cursor: help;
}
.tax-sources { display: inline-block; margin-top: 4px; font-size: 11px; color: var(--text-mute); }
.tax-src-link { color: var(--accent); text-decoration: none; font-weight: 600; }
.tax-src-link:hover { text-decoration: underline; }

/* segmented toggle */
.toggle-row {
  display: flex;
  gap: 4px;
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 3px;
  margin-bottom: 12px;
}
.seg {
  flex: 1;
  font-family: inherit;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--text-dim);
  background: transparent;
  border: none;
  border-radius: 7px;
  padding: 8px 6px;
  cursor: pointer;
  transition: background .15s, color .15s;
}
.seg.active { background: var(--accent); color: #fff; }
.seg:not(.active):hover { color: var(--text); }

.readout .control {
  background: transparent;
  border-style: dashed;
}
.readout output {
  font-family: var(--mono);
  font-size: 15px;
  font-weight: 600;
  color: var(--accent-2-text);
  padding: 10px 12px;
}
.savings-rate-field output { color: var(--green-text); }

/* one-off rows */
.oneoff-list { display: flex; flex-direction: column; gap: 8px; margin-bottom: 10px; }
.oneoff-row {
  display: grid;
  grid-template-columns: 1fr 64px 78px 30px;
  gap: 6px;
  align-items: center;
}
.oneoff-row input {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--text);
  font-family: var(--mono);
  font-size: 12.5px;
  padding: 7px 8px;
  outline: none;
  width: 100%;
}
.oneoff-row input:focus { border-color: var(--accent); }
.oneoff-row .lbl { font-family: "Inter"; }
.oneoff-row .rm {
  background: var(--red-dim);
  color: var(--red-text);
  border: none;
  border-radius: 8px;
  cursor: pointer;
  font-size: 15px;
  line-height: 1;
  height: 32px;
}
.oneoff-row .rm:hover { background: var(--red); color: #fff; }
.oneoff-head {
  display: grid;
  grid-template-columns: 1fr 64px 78px 30px;
  gap: 6px;
  font-size: 10.5px;
  color: var(--text-mute);
  text-transform: uppercase;
  letter-spacing: .05em;
  padding: 0 2px;
}

/* life timeline */
.life-timeline { width: 100%; margin-top: 14px; }
.life-timeline svg { width: 100%; height: 100%; display: block; overflow: visible; }

/* life plan cards */
.life-list { display: flex; flex-direction: column; gap: 10px; margin-bottom: 10px; }
.life-card {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 10px 12px;
}
.life-head {
  display: flex; align-items: center; justify-content: space-between;
  font-size: 13px; font-weight: 700; margin-bottom: 8px;
}
.life-head .rm {
  background: var(--red-dim); color: var(--red-text);
  border: none; border-radius: 7px; cursor: pointer;
  width: 24px; height: 24px; font-size: 14px; line-height: 1;
}
.life-head .rm:hover { background: var(--red); color: #fff; }
.life-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 7px 10px; }
.lf { display: flex; flex-direction: column; gap: 3px; }
.lf-label { font-size: 10.5px; color: var(--text-mute); text-transform: uppercase; letter-spacing: .03em; }
.lf-ctl { display: flex; align-items: center; gap: 4px; background: var(--panel); border: 1px solid var(--line); border-radius: 7px; padding: 0 7px; }
.lf-ctl input {
  flex: 1; width: 100%; min-width: 0;
  background: transparent; border: none; outline: none;
  color: var(--text); font-family: var(--mono); font-size: 12.5px; font-weight: 600;
  padding: 6px 0;
}
.lf-pre, .lf-suf { font-size: 11px; color: var(--text-mute); font-family: var(--mono); }

/* recurring cash flows */
.cashflow-list { display: flex; flex-direction: column; gap: 8px; margin-bottom: 10px; }
.cashflow-head, .cashflow-row {
  display: grid;
  grid-template-columns: 1fr 78px 44px 44px 28px;
  gap: 5px;
  align-items: center;
}
.cashflow-head {
  font-size: 10px; color: var(--text-mute);
  text-transform: uppercase; letter-spacing: .04em; padding: 0 2px;
}
.cashflow-row input {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--text);
  font-family: var(--mono);
  font-size: 12px;
  padding: 7px 6px;
  outline: none;
  width: 100%;
}
.cashflow-row input.lbl { font-family: "Inter"; }
.cashflow-row input:focus { border-color: var(--accent); }
.cashflow-row input.amt-pos { color: var(--green-text); }
.cashflow-row input.amt-neg { color: var(--red-text); }
.cashflow-row .rm {
  background: var(--red-dim); color: var(--red-text);
  border: none; border-radius: 8px; cursor: pointer;
  font-size: 14px; line-height: 1; height: 30px;
}
.cashflow-row .rm:hover { background: var(--red); color: #fff; }
.cashflow-presets { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }
.cashflow-presets .chip {
  font-size: 11.5px; font-weight: 500;
  background: var(--panel-2); color: var(--text-dim);
  border: 1px solid var(--line); border-radius: 20px;
  padding: 5px 11px; cursor: pointer;
}
.cashflow-presets .chip:hover { border-color: var(--accent); color: var(--text); }

/* pension list */
.pension-list { display: flex; flex-direction: column; gap: 8px; margin-bottom: 10px; }
.pension-head, .pension-row {
  display: grid;
  grid-template-columns: 1fr 76px 52px 48px 30px;
  gap: 5px;
  align-items: center;
}
.pension-row .pen-cur { padding: 0 0 0 2px; max-width: 52px; }
.pension-head {
  font-size: 10.5px; color: var(--text-mute);
  text-transform: uppercase; letter-spacing: .05em; padding: 0 2px 4px;
}
.pension-row input {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--text);
  font-family: var(--mono);
  font-size: 12.5px;
  padding: 7px 8px;
  outline: none;
  width: 100%;
}
.pension-row input.lbl { font-family: "Inter"; }
.pension-row input:focus { border-color: var(--accent); }
.pension-row .rm {
  background: var(--red-dim); color: var(--red-text);
  border: none; border-radius: 8px; cursor: pointer;
  font-size: 15px; line-height: 1; height: 32px;
}
.pension-row .rm:hover { background: var(--red); color: #fff; }

.pension-buttons { display: flex; gap: 8px; }
.pension-buttons .btn { flex: 1; }

/* pension estimator panel */
.estimator {
  margin-top: 12px;
  padding: 14px;
  border: 1px solid var(--accent);
  border-radius: var(--radius-sm);
  background: color-mix(in srgb, var(--accent) 8%, transparent);
}
.est-head {
  font-size: 12px; font-weight: 700; text-transform: uppercase;
  letter-spacing: .06em; color: var(--accent-2-text); margin-bottom: 12px;
}
.estimator .field { margin-bottom: 11px; }
.est-result {
  font-family: var(--mono); font-size: 18px; font-weight: 700;
  color: var(--green-text); text-align: center;
  padding: 10px; margin: 6px 0;
  background: var(--bg-soft); border-radius: var(--radius-sm);
}
.est-result .sub { display: block; font-size: 12px; color: var(--text-dim); font-weight: 500; margin-top: 2px; }
.est-actions { display: flex; gap: 8px; margin-top: 8px; }
.est-actions .btn { flex: 1; }

/* collapsible guide */
.guide {
  margin-top: 12px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--bg-soft);
  font-size: 12.5px;
}
.guide summary {
  cursor: pointer; padding: 10px 12px;
  font-weight: 600; color: var(--text-dim);
  list-style: none; user-select: none;
}
.guide summary::-webkit-details-marker { display: none; }
.guide summary::before { content: "▸ "; color: var(--accent-text); }
.guide[open] summary::before { content: "▾ "; }
.guide summary:hover { color: var(--text); }
.guide-body { padding: 0 12px 12px; line-height: 1.55; color: var(--text-dim); }
.guide-body p { margin: 8px 0; }
.guide-body b { color: var(--text); font-weight: 600; }
.guide-note { color: var(--text-mute); font-size: 12px; border-top: 1px dashed var(--line); padding-top: 8px; }

/* ---------- Hints / tooltip ---------- */
.hint {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 15px;
  height: 15px;
  border-radius: 50%;
  background: var(--line);
  color: var(--text-dim);
  font-size: 10px;
  font-weight: 700;
  cursor: help;
  flex: none;
}
.hint:hover { background: var(--accent); color: #fff; }
.hint:focus-visible { background: var(--accent); color: #fff; outline: 2px solid var(--accent); outline-offset: 2px; }
.warn-note { color: var(--accent-2-text); font-size: 12px; line-height: 1.5; }
.advice-row { display: flex; align-items: center; justify-content: space-between; gap: 10px;
  font-size: 13px; line-height: 1.5; color: var(--text-dim);
  background: var(--bg-soft); border: 1px solid var(--line); border-left: 3px solid var(--accent-2);
  border-radius: 10px; padding: 9px 12px; margin-bottom: 8px; }
.advice-row b { color: var(--text); }

/* respect reduced-motion preferences */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; }
  html { scroll-behavior: auto !important; }
}
.tooltip {
  position: fixed;
  z-index: 100;
  max-width: 260px;
  background: #05080f;
  color: #eaf0ff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 10px 12px;
  font-size: 12.5px;
  line-height: 1.5;
  box-shadow: 0 12px 30px rgba(0,0,0,.5);
  opacity: 0;
  pointer-events: none;
  transition: opacity .12s;
}
.tooltip.show { opacity: 1; }

/* ---------- Results ---------- */
.results { min-height: 600px; }

.headline {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  padding: 14px;
}
/* FIRE number is the headline: a full-width banner on top; the three supporting
   metrics sit in an equal row beneath (keeps the hero from dwarfing/stretching them). */
.headline .hero { grid-column: 1 / -1; }
.card {
  background: var(--panel-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
}
.card.hero {
  background: var(--panel);
  border-color: var(--accent);
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 16px 32px;
  flex-wrap: wrap;
  position: relative;        /* anchor for the FIRE-number breakdown popover */
  overflow: visible;
}
.hero-main { flex: 1 1 240px; }
/* When the progress bar is shown (still accumulating) it fills the right side of the
   banner; when hidden (FIRE reached) hero-main simply spans the full width. */
.card.hero .hero-progress { flex: 1 1 300px; }
.hero-value-row { display: flex; align-items: baseline; gap: 7px; flex-wrap: wrap; }
.hero-value { cursor: pointer; }
.hero-value:hover { text-decoration: underline dotted; text-underline-offset: 5px; text-decoration-thickness: 1px; }
.hero-info {
  background: none; border: none; cursor: pointer; padding: 2px 5px;
  font-size: 15px; line-height: 1; color: var(--text-mute);
  border-radius: 6px; transition: color .15s, background .15s;
}
.hero-info:hover { color: var(--accent-2-text); background: rgba(255,177,61,.14); }

/* FIRE-number calculation popover */
.fire-pop {
  position: absolute; left: 10px; right: 10px; z-index: 50;   /* mobile-first: span the (full-width) hero card */
  background: var(--panel); border: 1px solid var(--line); border-radius: 12px;
  padding: 14px 15px 12px;
  box-shadow: 0 18px 50px rgba(0,0,0,.45);
  max-height: 72vh; overflow-y: auto;
  text-align: left;
}
/* on wide screens the hero card is narrow (multi-column headline), so the popover
   takes a fixed width and extends rightward over the adjacent stat cards */
@media (min-width: 1081px) {
  .fire-pop { right: auto; width: 380px; max-width: calc(100vw - 40px); }
}
:root.light .fire-pop { box-shadow: 0 18px 48px rgba(20,30,60,.20); }
.fire-pop::before {
  content: ""; position: absolute; top: -7px; left: 26px; width: 12px; height: 12px;
  background: var(--panel); border-left: 1px solid var(--line); border-top: 1px solid var(--line);
  transform: rotate(45deg);
}
.fire-pop-close {
  position: absolute; top: 6px; right: 9px; background: none; border: none;
  cursor: pointer; font-size: 20px; line-height: 1; color: var(--text-mute);
}
.fire-pop-close:hover { color: var(--text); }
.fp-step { margin-bottom: 13px; }
.fp-step:last-of-type { margin-bottom: 6px; }
.fp-h {
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em;
  color: var(--accent-2-text); margin-bottom: 6px; padding-right: 18px;
}
.fp-row {
  display: flex; justify-content: space-between; gap: 12px; align-items: baseline;
  padding: 4px 0; font-size: 13px; color: var(--text-dim);
}
.fp-row em { font-style: normal; color: var(--text-mute); font-size: 11px; }
.fp-row b { color: var(--text); font-variant-numeric: tabular-nums; font-family: var(--mono); }
.fp-sub { border-top: 1px dashed var(--line-soft); margin-top: 3px; padding-top: 7px; font-weight: 600; }
.fp-sub span { color: var(--text); }
.fp-total { border-top: 1px solid var(--line); margin-top: 4px; padding-top: 9px; font-size: 15px; font-weight: 800; }
.fp-total span { color: var(--text); }
.fp-total b { color: var(--accent-2-text); }
.fp-note { font-size: 11.5px; line-height: 1.5; color: var(--text-mute); margin: 1px 0 5px; }
.fp-foot { font-size: 11.5px; line-height: 1.5; color: var(--text-dim); margin-top: 4px; padding-top: 8px; border-top: 1px dashed var(--line-soft); }
.fp-empty { font-size: 12.5px; line-height: 1.5; color: var(--text-mute); }
@media print { .fire-pop, .hero-info { display: none !important; } }
.hero-label { font-size: 12.5px; color: var(--text-dim); font-weight: 600; text-transform: uppercase; letter-spacing: .06em; }
.hero-value { font-size: 38px; font-weight: 800; letter-spacing: -0.03em; margin: 6px 0 2px; font-family: var(--mono); }
.hero-sub { font-size: 13px; color: var(--text-dim); }
.hero-why { font-size: 11.5px; color: var(--text-mute); margin-top: 4px; line-height: 1.4; max-width: 46ch; }
.hero-progress { min-width: 0; }
.hero-progress-track { height: 8px; border-radius: 6px; background: rgba(255,122,61,.16); overflow: hidden; }
.hero-progress-track span { display: block; height: 100%; min-width: 3px; border-radius: 6px; background: linear-gradient(90deg, var(--accent), var(--accent-2)); transition: width .5s ease; }
.hero-progress-label { font-size: 12px; color: var(--text-dim); margin-top: 6px; }
.hero-progress-label b { color: var(--text); font-weight: 700; }
.hero-progress-note { font-size: 11.5px; color: var(--text-mute); margin-top: 5px; line-height: 1.4; }

.stat { display: flex; flex-direction: column; justify-content: center; }
.stat-label { font-size: 12px; color: var(--text-dim); font-weight: 600; display: flex; align-items: center; gap: 5px; }
.stat-value { font-size: 27px; font-weight: 800; letter-spacing: -0.02em; margin: 6px 0 1px; font-family: var(--mono); }
.stat-sub { font-size: 12px; color: var(--text-mute); }
.stat-value.good { color: var(--green-text); }
.stat-value.warn { color: var(--accent-2-text); }
.stat-value.bad { color: var(--red-text); }

/* verdict banner */
.verdict {
  margin: 0 14px 14px;
  padding: 14px 18px;
  border-radius: var(--radius);
  font-size: 14px;
  line-height: 1.5;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  border: 1px solid var(--line-soft);
  border-left: 3px solid var(--line);
}
.verdict .vicon { font-size: 22px; line-height: 1; }
/* Modern Mono: soften verdicts — a left accent rule + a faint tint, never a
   punishing red fill. Caution reads as flame (not alarm); only success is green. */
.verdict.good { background: color-mix(in srgb, var(--green) 7%, transparent); border-left-color: var(--green); }
.verdict.warn { background: color-mix(in srgb, var(--accent) 7%, transparent); border-left-color: var(--accent); }
.verdict.bad { background: color-mix(in srgb, var(--accent) 8%, transparent); border-left-color: var(--accent); }
.verdict strong { font-weight: 700; }
.verdict b { color: var(--accent-2-text); }

/* Solve-for-success: one-tap fixes shown under a shaky verdict */
.verdict-fixes { margin: -8px 14px 14px; padding: 12px 14px 13px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--panel-2); }
.verdict-fixes .vf-head { font-size: 12.5px; font-weight: 600; color: var(--text-dim); margin-bottom: 10px; line-height: 1.45; }
.vf-btns { display: flex; flex-wrap: wrap; gap: 10px; }
.vf-btn { display: inline-flex; align-items: center; gap: 11px; padding: 9px 14px; border: 1px solid var(--line); border-radius: 12px; background: var(--panel); cursor: pointer; font-family: inherit; text-align: left; transition: border-color .15s, background .15s, transform .05s; }
.vf-btn:hover { border-color: var(--accent); background: var(--bg-soft); }
.vf-btn:active { transform: translateY(1px); }
.vf-btn:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
.vf-ico { font-size: 18px; line-height: 1; }
.vf-txt { display: flex; flex-direction: column; line-height: 1.25; }
.vf-l { font-size: 13.5px; font-weight: 700; color: var(--text); }
.vf-s { font-size: 11.5px; color: var(--text-mute); font-variant-numeric: tabular-nums; }
.vf-foot { font-size: 11.5px; color: var(--text-mute); margin-top: 10px; }
@media (max-width: 620px) { .vf-btn { flex: 1 1 100%; } }

/* Relocation explorer — a collapsible "plan is done" toggle (moved out of the inputs) */
.relocate-card { padding: 0; overflow: hidden; }
.relocate-summary { list-style: none; cursor: pointer; display: flex; align-items: center; gap: 9px; padding: 16px 18px; font-size: 15px; font-weight: 700; color: var(--text); }
.relocate-summary::-webkit-details-marker { display: none; }
.relocate-summary::after { content: "›"; margin-left: auto; font-size: 20px; color: var(--text-mute); transition: transform .15s ease; }
.relocate-card[open] .relocate-summary::after { transform: rotate(90deg); }
.relocate-summary:hover { background: var(--bg-soft); }
.relocate-summary:focus-visible { outline: 2px solid var(--accent); outline-offset: -2px; }
.relocate-emoji { font-size: 18px; }
.relocate-card .card-sub { margin: 0 18px 12px; }
.relocate-card #metroNote { margin: 0 18px 16px; }

/* chart cards */
.chart-card, .card { margin: 0 14px 14px; }
.card-head h3 { margin: 0; font-size: 16px; font-weight: 700; letter-spacing: -0.01em; }
.card-sub { margin: 4px 0 0; font-size: 12.5px; color: var(--text-dim); line-height: 1.5; }
.chart { width: 100%; height: 300px; margin-top: 14px; }
.chart.small { height: 240px; }
.chart svg { width: 100%; height: 100%; display: block; overflow: visible; }

.legend { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 12px; font-size: 12px; color: var(--text-dim); }
.legend .lg { display: flex; align-items: center; gap: 7px; }
.legend .sw { width: 14px; height: 4px; border-radius: 3px; }
.legend .sw.dash { background-image: repeating-linear-gradient(90deg, currentColor 0 4px, transparent 4px 7px); height: 2px; }
.legend .opt-tip {
  font-weight: 700; color: var(--green-text);
  background: var(--green-dim); border: 1px solid rgba(52,211,153,.35);
  border-radius: 8px; padding: 4px 9px; cursor: help;
}

/* chart internals */
.axis-line { stroke: var(--line); stroke-width: 1; }
.grid-line { stroke: var(--line-soft); stroke-width: 1; }
.axis-text { fill: var(--text-mute); font-size: 11px; font-family: var(--mono); }
.chart-hover-line { stroke: var(--text-mute); stroke-width: 1; stroke-dasharray: 3 3; }

.chart-tip {
  position: fixed;
  z-index: 90;
  background: var(--panel);   /* themed: was hardcoded #05080f — invisible dark-on-dark text in light theme */
  color: var(--text);
  border: 1px solid var(--line);
  border-radius: 9px;
  padding: 9px 11px;
  font-size: 12px;
  pointer-events: none;
  opacity: 0;
  transition: opacity .1s;
  box-shadow: 0 8px 24px rgba(0,0,0,.5);
  white-space: nowrap;
}
.chart-tip.show { opacity: 1; }
.chart-tip .ct-title { font-family: var(--mono); color: var(--text-dim); margin-bottom: 5px; font-size: 11px; }
.chart-tip .ct-row { display: flex; align-items: center; gap: 7px; margin-top: 3px; }
.chart-tip .ct-dot { width: 8px; height: 8px; border-radius: 50%; }
.chart-tip .ct-val { font-family: var(--mono); font-weight: 600; margin-left: auto; padding-left: 16px; }

/* variants table */
.variants { display: flex; flex-direction: column; gap: 1px; margin-top: 10px; }
.variant-row {
  display: grid;
  grid-template-columns: 150px 1fr 130px 110px;
  gap: 12px;
  align-items: center;
  padding: 13px 12px;
  background: var(--bg-soft);
}
.variant-row:first-child { border-radius: 10px 10px 0 0; }
.variant-row:last-child { border-radius: 0 0 10px 10px; }
.variant-row.head { background: transparent; padding: 4px 12px; font-size: 11px; text-transform: uppercase; letter-spacing: .05em; color: var(--text-mute); }
.variant-name { font-weight: 700; font-size: 14px; display: flex; align-items: center; gap: 8px; }
.variant-name .vtag { font-size: 16px; }
.variant-desc { font-size: 12px; color: var(--text-dim); line-height: 1.4; }
.variant-num { font-family: var(--mono); font-weight: 600; font-size: 14px; }
.variant-age { font-family: var(--mono); font-weight: 700; font-size: 14px; text-align: right; }
.variant-age .sub { display: block; font-size: 11px; color: var(--text-mute); font-weight: 500; }
.variant-age.reached { color: var(--green-text); }

/* what moves the needle */
.levers-list { display: flex; flex-direction: column; gap: 1px; margin-top: 12px; }
.lever {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 14px; background: var(--bg-soft);
}
.lever:first-child { border-radius: 10px 10px 0 0; }
.lever:last-child { border-radius: 0 0 10px 10px; }
.lever-ico { font-size: 18px; flex: none; }
.lever-label { font-size: 13.5px; font-weight: 500; color: var(--text); flex: 1; }
.lever-impact { font-family: var(--mono); font-size: 13px; font-weight: 700; text-align: right; white-space: nowrap; }
.lever-impact .sub { display: block; font-size: 11px; font-weight: 500; color: var(--text-mute); }
.lever-impact.good { color: var(--green-text); }
.lever-impact.flat { color: var(--text-mute); }

/* scenario comparison */
.compare-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.compare-body { margin-top: 14px; overflow-x: auto; }
.compare-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.compare-table th, .compare-table td {
  padding: 9px 12px;
  text-align: left;
  border-bottom: 1px solid var(--line-soft);
  white-space: nowrap;
}
.compare-table thead th {
  font-size: 12.5px;
  font-weight: 700;
  color: var(--text);
  border-bottom: 1px solid var(--line);
  position: relative;
}
.compare-table thead th:first-child { width: 1%; }
.compare-table tbody td { font-family: var(--mono); font-weight: 600; color: var(--text); }
.compare-table .cmp-metric { font-family: "Inter"; font-weight: 500; color: var(--text-dim); }
.compare-table td.cmp-best { color: var(--green-text); }
.compare-table tbody tr:hover { background: var(--bg-soft); }
.cmp-rm {
  background: var(--red-dim); color: var(--red-text);
  border: none; border-radius: 6px; cursor: pointer;
  width: 18px; height: 18px; font-size: 13px; line-height: 1;
  margin-left: 8px; vertical-align: middle;
}
.cmp-rm:hover { background: var(--red); color: #fff; }

/* disclaimer */
.disclaimer { padding: 18px 20px 8px; color: var(--text-mute); font-size: 12px; line-height: 1.6; }
.disclaimer strong { color: var(--text-dim); }
.disclaimer .autosave { margin-top: 8px; font-size: 11.5px; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .layout { grid-template-columns: 1fr; }
  .inputs { position: static; max-height: none; }
  .panel-scroll { max-height: none; }
  /* results panel is full-width here, so the three stats keep their equal 3-col row */
}
@media (max-width: 620px) {
  .topbar { position: static; }                       /* free vertical space; nav lives in the chip bar + jump button */
  .topbar-inner { padding: 10px 14px; flex-wrap: wrap; gap: 8px; }
  .topbar-actions { flex: 1 1 100%; flex-wrap: wrap; gap: 6px; }   /* wrap to extra rows so every action stays reachable (no hidden horizontal scroll) */
  .topbar-actions .btn { white-space: nowrap; flex: 0 0 auto; padding: 7px 11px; font-size: 12.5px; }
  .layout { padding: 12px; gap: 14px; }
  .headline { grid-template-columns: 1fr; padding: 12px; }
  .card.hero { flex-direction: column; align-items: stretch; }
  .card.hero .hero-main, .card.hero .hero-progress { flex: 0 0 auto; }   /* natural height when stacked (the flex-basis is a width meant for the row layout) */
  .variant-row { grid-template-columns: 1fr 90px; row-gap: 4px; }
  .variant-desc { grid-column: 1 / -1; }
  .hero-value { font-size: 32px; }
  .brand-text p { display: none; }
}

/* Floating jump button — single-column layouts only (results sit below several
   screens of inputs; this is the bridge between the two halves). */
#jumpResults {
  position: fixed; right: 14px; bottom: 16px; z-index: 80;
  display: none; font-family: inherit; font-size: 13px; font-weight: 700;
  color: #fff; background: var(--accent); border: none; border-radius: 22px;
  padding: 11px 16px; cursor: pointer; box-shadow: 0 6px 20px rgba(0, 0, 0, .35);
}
#jumpResults:active { transform: translateY(1px); }
@media (max-width: 1080px) { #jumpResults { display: block; } }
@media print { #jumpResults { display: none !important; } }

/* toast */
.toast {
  position: fixed;
  bottom: 22px;
  left: 50%;
  transform: translateX(-50%) translateY(20px);
  background: #05080f;
  color: #fff;
  border: 1px solid var(--line);
  padding: 11px 18px;
  border-radius: 12px;
  font-size: 13px;
  font-weight: 600;
  opacity: 0;
  pointer-events: none;
  transition: opacity .2s, transform .2s;
  z-index: 200;
}
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }

/* ============================================================
   Print / PDF — clean one-to-two page plan report
   ============================================================ */
@media print {
  @page { margin: 14mm; }
  :root { --bg: #fff; --panel: #fff; --panel-2: #fff; --text: #111; --text-dim: #333; --text-mute: #666; --line: #ccc; --line-soft: #ddd; }
  html, body { background: #fff !important; color: #111; }
  body { font-size: 11pt; }
  .topbar, .inputs, #tooltip, #chartTip, .toast, .hint, .leversCard, #leversCard, .compare-card, #addOneOff, #addCashflow, #addPension, .cashflow-presets, .guide, .est-actions, #estimatorPanel { display: none !important; }
  .layout { display: block; max-width: 100%; padding: 0; margin: 0; }
  .results { box-shadow: none; border: none; }
  .results-scroll { padding: 0; }
  .card, .chart-card { box-shadow: none; border: 1px solid #ddd; break-inside: avoid; margin: 0 0 10px; }
  .headline { padding: 0 0 10px; }
  .card.hero { background: #fff; border: 1px solid #f0a; border-color: #e67e22; }
  .hero-value, .stat-value { color: #111 !important; }
  .stat-value.good { color: #128a4f !important; }
  .stat-value.bad, .stat-value.warn { color: #b35900 !important; }
  .chart { height: 240px; }
  .verdict { border: 1px solid #ddd !important; background: #fafafa !important; break-inside: avoid; }
  .disclaimer { font-size: 8.5pt; break-inside: avoid; }

  /* print-only summary */
  .print-summary { display: block; margin-bottom: 14px; }
  .ps-head { display: flex; align-items: baseline; justify-content: space-between; border-bottom: 2px solid #e67e22; padding-bottom: 6px; margin-bottom: 12px; }
  .ps-head h1 { font-size: 18pt; margin: 0; }
  .ps-head .ps-date { font-size: 9pt; color: #666; }
  .ps-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4px 24px; font-size: 10pt; }
  .ps-grid .ps-row { display: flex; justify-content: space-between; border-bottom: 1px dotted #ddd; padding: 3px 0; }
  .ps-grid .ps-row b { font-weight: 600; }
  .ps-section-title { font-size: 8.5pt; text-transform: uppercase; letter-spacing: .06em; color: #888; margin: 12px 0 4px; grid-column: 1 / -1; }
}

/* recommendation tips (value-first; partner-ready) */
.reco {
  display: flex; gap: 9px; align-items: flex-start;
  margin-top: 10px; padding: 10px 12px;
  background: rgba(91,157,255,.08);
  border: 1px solid rgba(91,157,255,.25);
  border-radius: 10px;
  font-size: 12px; line-height: 1.5; color: var(--text-dim);
}
.reco b { display: inline; color: var(--text); font-weight: 600; }
.reco .reco-body { display: block; margin-top: 2px; }
.reco-sponsored {
  margin-left: 8px; font-size: 9.5px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .04em;
  background: var(--line); color: var(--text-mute);
  border-radius: 5px; padding: 1.5px 6px; vertical-align: middle;
}
.reco-cta { display: inline-block; margin-top: 6px; font-weight: 600; color: var(--blue-text); text-decoration: none; }
.reco-cta:hover { text-decoration: underline; }
@media print { .reco { display: none !important; } }

/* Home-affordability card */
.afford-inputs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 4px 0 14px; }
.af-field { display: flex; flex-direction: column; gap: 5px; font-size: 11.5px; color: var(--text-mute); }
.af-field .control { width: 100%; }
.af-field input { width: 100%; }
.af-headline { display: flex; align-items: baseline; gap: 9px; flex-wrap: wrap; margin-bottom: 10px; }
.af-price { font-size: 30px; font-weight: 800; letter-spacing: -0.02em; font-family: var(--mono); color: var(--accent-2-text); }
.af-cap { font-size: 12.5px; color: var(--text-mute); }
.af-rows { display: flex; flex-direction: column; }
.af-row {
  display: flex; justify-content: space-between; gap: 12px; align-items: baseline;
  padding: 6px 2px; border-bottom: 1px dashed var(--line-soft);
  font-size: 13px; color: var(--text-dim);
}
.af-row b { color: var(--text); font-variant-numeric: tabular-nums; }
.af-note { font-size: 11.5px; line-height: 1.5; color: var(--text-mute); margin-top: 8px; }
@media (max-width: 760px) { .afford-inputs { grid-template-columns: 1fr 1fr; } }

/* Collapsible result cards */
.card.collapsible > .card-head { cursor: pointer; position: relative; padding-right: 36px; }
.card-collapse {
  position: absolute; top: 12px; right: 4px; width: 28px; height: 28px;
  border: none; background: none; cursor: pointer; color: var(--text-mute);
  display: flex; align-items: center; justify-content: center; border-radius: 7px; transition: background .15s, color .15s;
}
.card-collapse:hover { color: var(--text); background: var(--bg-soft); }
.card-collapse::before { content: "▾"; font-size: 13px; line-height: 1; transition: transform .2s ease; }
.card.collapsed .card-collapse::before { transform: rotate(-90deg); }
.card.collapsible.collapsed { padding-bottom: 16px; }
.card.collapsed > :not(.card-head) { display: none !important; }
.card.collapsible.collapsed > .card-head { margin-bottom: 0; }
/* collapsed head = title on the left, a colour-coded headline metric on the right */
.card.collapsible.collapsed > .card-head { display: flex; align-items: center; justify-content: space-between; gap: 14px; padding-right: 40px; }
.card.collapsible.collapsed > .card-head h3 { margin: 0; flex: 1 1 auto; min-width: 0; }
.card.collapsible.collapsed .card-sub { display: none; }
.card-headline { display: none; }
.card.collapsed .card-headline:not([hidden]) { display: flex; flex-direction: column; align-items: flex-end; flex: 0 0 auto; text-align: right; line-height: 1.1; }
.ch-num { font-size: 19px; font-weight: 800; font-variant-numeric: tabular-nums; color: var(--text); white-space: nowrap; }
.ch-sub { font-size: 10px; color: var(--text-mute); margin-top: 2px; max-width: 20ch; font-weight: 500; }
.card-headline.tone-good .ch-num { color: var(--green-text); }
.card-headline.tone-ok .ch-num { color: var(--accent-2-text); }
.card-headline.tone-warn .ch-num { color: var(--red-text); }
.card-headline.tone-info .ch-num { color: var(--accent-text); }
@media (max-width: 560px) { .ch-num { font-size: 16px; } .ch-sub { font-size: 9.5px; max-width: 14ch; } }
@media print {
  .card-collapse { display: none !important; }
  .card.collapsed > :not(.card-head) { display: revert !important; }   /* always print full detail */
}

/* Financial-health score card */
.hs-top { display: flex; align-items: center; gap: 14px; margin: 6px 0 14px; }
.hs-grade {
  flex: 0 0 auto; display: flex; flex-direction: column; align-items: center; justify-content: center;
  width: 78px; height: 78px; border-radius: 50%;
  border: 3px solid var(--line); background: var(--bg-soft);
}
.hs-grade.good { border-color: var(--green); }
.hs-grade.ok { border-color: var(--accent-2); }
.hs-grade.warn { border-color: var(--red); }
.hs-grade-letter { font-size: 30px; font-weight: 800; line-height: 1; font-family: var(--mono); }
.hs-grade.good .hs-grade-letter { color: var(--green-text); }
.hs-grade.ok .hs-grade-letter { color: var(--accent-2-text); }
.hs-grade.warn .hs-grade-letter { color: var(--red-text); }
.hs-grade-num { font-size: 11px; color: var(--text-mute); margin-top: 2px; font-variant-numeric: tabular-nums; }
.hs-grade-num i { font-style: normal; opacity: .7; }
.hs-summary { font-size: 13px; line-height: 1.5; color: var(--text-dim); }
.hs-rows { display: flex; flex-direction: column; gap: 11px; }
.hs-row { padding: 2px 0; }
.hs-row.hs-click { cursor: pointer; border-radius: 8px; margin: -4px -6px; padding: 4px 6px; transition: background .15s; }
.hs-row.hs-click:hover { background: var(--bg-soft); }
.hs-row-head { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; margin-bottom: 5px; }
.hs-label { font-size: 13px; font-weight: 600; color: var(--text); }
.hs-stat { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; }
.hs-stat.good { color: var(--green-text); }
.hs-stat.ok { color: var(--accent-2-text); }
.hs-stat.warn { color: var(--red-text); }
.hs-meter { height: 7px; border-radius: 5px; background: var(--line-soft); overflow: hidden; }
.hs-fill { height: 100%; border-radius: 5px; transition: width .4s ease; }
.hs-fill.good { background: var(--green); }
.hs-fill.ok { background: linear-gradient(90deg, var(--accent), var(--accent-2)); }
.hs-fill.warn { background: var(--red); }
.hs-detail { font-size: 11.5px; color: var(--text-mute); margin-top: 4px; }
.hs-arrow { color: var(--accent-2-text); font-weight: 700; }

/* Emergency-fund (cash buffer) card */
.emergency-field { margin-bottom: 12px; }
.ef-status {
  display: flex; justify-content: space-between; gap: 12px; align-items: baseline;
  font-size: 15px; font-weight: 700;
}
.ef-status.warn span { color: var(--accent-2-text); }
.ef-status.ok span { color: var(--green-text); }
.ef-status b { color: var(--text); font-variant-numeric: tabular-nums; }
.ef-meter {
  height: 8px; border-radius: 6px; background: var(--line-soft);
  margin: 9px 0 4px; overflow: hidden;
}
.ef-fill { height: 100%; border-radius: 6px; transition: width .4s ease; }
.ef-fill.warn { background: linear-gradient(90deg, var(--accent), var(--accent-2)); }
.ef-fill.ok { background: var(--green); }
.ef-note { font-size: 12.5px; line-height: 1.5; color: var(--text-dim); margin-top: 6px; }
.ef-sub { font-size: 11.5px; color: var(--text-mute); margin-top: 4px; font-variant-numeric: tabular-nums; }

/* Protection (life & disability insurance) card */
.protection-field { margin-bottom: 12px; }
.prot-block { margin-top: 12px; }
.prot-block:first-child { margin-top: 4px; }
.prot-head {
  font-size: 11px; font-weight: 700; text-transform: uppercase;
  letter-spacing: .06em; color: var(--text-mute); margin-bottom: 6px;
}
.prot-row {
  display: flex; justify-content: space-between; gap: 12px; align-items: baseline;
  padding: 6px 2px; border-bottom: 1px dashed var(--line-soft);
  font-size: 13px; color: var(--text-dim);
}
.prot-row em { font-style: normal; color: var(--text-mute); font-size: 11.5px; }
.prot-row b { color: var(--text); font-variant-numeric: tabular-nums; }
.prot-gap {
  display: flex; justify-content: space-between; gap: 12px; align-items: baseline;
  margin-top: 8px; padding: 8px 10px; border-radius: 9px;
  font-size: 14px; font-weight: 600;
}
.prot-gap.warn { background: rgba(255,177,61,.10); border: 1px solid rgba(255,177,61,.30); }
.prot-gap.warn b { color: var(--accent-2-text); font-variant-numeric: tabular-nums; }
.prot-gap.ok { background: var(--green-dim); border: 1px solid rgba(52,211,153,.30); }
.prot-gap.ok b { color: var(--green-text); }
.prot-note { font-size: 12px; line-height: 1.5; color: var(--text-mute); margin-top: 6px; }

/* "Your life, in plain words" story */
.story-list { margin-top: 12px; display: flex; flex-direction: column; }
.story-row {
  display: grid; grid-template-columns: 44px 26px 1fr;
  gap: 8px; align-items: baseline;
  padding: 7px 4px;
  border-bottom: 1px dashed var(--line-soft);
  font-size: 13px; line-height: 1.5; color: var(--text-dim);
}
.story-row:last-child { border-bottom: none; }
.story-age { font-family: var(--mono); font-weight: 700; color: var(--accent-2-text); text-align: right; }
.story-text b { color: var(--text); font-weight: 600; }
@media print { .story-row { break-inside: avoid; } }

/* budget guide */
.budget-list { margin-top: 12px; display: flex; flex-direction: column; gap: 4px; }
.bg-row {
  display: grid; grid-template-columns: 24px 130px 1fr 86px 44px 200px;
  gap: 10px; align-items: center;
  padding: 8px 6px; border-bottom: 1px dashed var(--line-soft);
  font-size: 12.5px; color: var(--text-dim); cursor: help;
}
.bg-row:last-child { border-bottom: none; }
.bg-name { font-weight: 600; color: var(--text); }
.bg-bar { position: relative; height: 10px; background: var(--bg-soft); border-radius: 6px; overflow: visible; }
.bg-fill { position: absolute; inset: 0 auto 0 0; border-radius: 6px; background: var(--blue); opacity: .75; }
.bg-fill.good { background: var(--green); }
.bg-fill.warn { background: var(--accent-2); }
.bg-cap { position: absolute; top: -3px; bottom: -3px; width: 2px; background: var(--text-mute); border-radius: 2px; }
.bg-amt { font-family: var(--mono); font-weight: 600; color: var(--text); text-align: right; }
.bg-amt small { color: var(--text-mute); font-weight: 500; }
.bg-pct { font-family: var(--mono); color: var(--text-mute); text-align: right; }
.bg-status { font-size: 11.5px; }
.bg-status.good { color: var(--green-text); }
.bg-status.warn { color: var(--accent-2-text); font-weight: 600; }
@media (max-width: 760px) { .bg-row { grid-template-columns: 22px 1fr 70px 38px; } .bg-bar, .bg-status { display: none; } }
@media print { .bg-row { break-inside: avoid; } }
.bg-peak {
  margin-top: 10px; padding: 10px 12px; font-size: 12.5px; line-height: 1.55;
  color: var(--text-dim); background: var(--bg-soft);
  border: 1px solid var(--line-soft); border-left: 3px solid var(--accent-2); border-radius: 8px;
}
.bg-peak b { color: var(--text); }

/* Retirement stages */
.retire-phases { margin-top: 12px; display: flex; flex-direction: column; gap: 8px; }
.rp-row {
  display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; align-items: baseline;
  padding: 10px 12px; border: 1px solid var(--line-soft); border-radius: 10px; background: var(--bg-soft);
}
.rp-head { display: flex; align-items: baseline; gap: 8px; min-width: 0; }
.rp-label { font-weight: 600; color: var(--text); font-size: 13.5px; }
.rp-range { font-family: var(--mono); font-size: 11.5px; color: var(--text-mute); }
.rp-amt { font-family: var(--mono); font-weight: 600; color: var(--text); font-size: 15px; text-align: right; white-space: nowrap; }
.rp-amt small { color: var(--text-mute); font-weight: 500; font-size: 11px; }
.rp-sub { grid-column: 1 / -1; font-size: 11.5px; color: var(--text-dim); }
@media print { .rp-row { break-inside: avoid; } }

/* savings allocation advisor */
.alloc-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 16px; margin-top: 12px; }
.al-field { display: flex; flex-direction: column; gap: 5px; font-size: 12px; color: var(--text-dim); cursor: help; }
.al-field .control input { font-size: 13.5px; padding: 8px 10px; }
.al-check { grid-column: 1 / -1; display: flex; align-items: center; gap: 8px; font-size: 12.5px; color: var(--text-dim); cursor: pointer; }
.al-check input { accent-color: var(--accent); width: 15px; height: 15px; }
.alloc-steps { margin-top: 14px; display: flex; flex-direction: column; gap: 8px; }
.al-step {
  display: grid; grid-template-columns: 26px 86px 220px 1fr;
  gap: 10px; align-items: baseline;
  background: var(--bg-soft); border: 1px solid var(--line-soft);
  border-radius: 10px; padding: 10px 12px;
  font-size: 12.5px; color: var(--text-dim);
}
.al-n { width: 22px; height: 22px; border-radius: 50%; background: var(--accent); color: #fff; font-weight: 700; font-size: 12px; display: flex; align-items: center; justify-content: center; align-self: center; }
.al-amt { font-family: var(--mono); font-weight: 700; color: var(--text); }
.al-into { font-weight: 600; color: var(--text); }
.al-why { line-height: 1.45; }
@media (max-width: 760px) { .alloc-inputs { grid-template-columns: 1fr; } .al-step { grid-template-columns: 24px 80px 1fr; } .al-why { grid-column: 2 / -1; } }
@media print { .alloc-card { display: none !important; } }

/* per-input currency picker (subtle: looks like the old $ prefix until used) */
.cur-pick {
  appearance: none; -webkit-appearance: none;
  background: transparent; border: none; outline: none;
  color: var(--text-mute);
  font-family: var(--mono); font-size: 12px; font-weight: 600;
  padding: 0 2px 0 10px; cursor: pointer;
  max-width: 58px;
}
.cur-pick:hover { color: var(--accent-text); }
.cur-pick option { background: var(--panel); color: var(--text); font-size: 12px; }

/* wizard example gallery */
.wizard-examples { margin-top: 18px; border-top: 1px dashed var(--line); padding-top: 14px; }
.wx-label { font-size: 12px; color: var(--text-mute); display: block; margin-bottom: 9px; }
.wx-chips { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.wx-chip {
  display: flex; align-items: center; gap: 9px; text-align: left;
  font-family: inherit; cursor: pointer;
  background: var(--bg-soft); border: 1px solid var(--line);
  border-radius: 10px; padding: 9px 11px;
  color: var(--text-dim); transition: border-color .12s;
}
.wx-chip:hover { border-color: var(--accent); }
.wx-ico { font-size: 18px; }
.wx-chip b { display: block; font-size: 12.5px; color: var(--text); font-weight: 600; }
.wx-chip small { font-size: 11px; }
@media (max-width: 560px) { .wx-chips { grid-template-columns: 1fr; } }

/* results quick-nav */
.results-nav {
  position: sticky; top: 64px; z-index: 40;
  display: flex; flex-wrap: wrap; gap: 6px;
  padding: 8px 14px 10px;
  background: color-mix(in srgb, var(--panel) 88%, transparent);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line-soft);
  border-radius: var(--radius) var(--radius) 0 0;
}
.rn-chip {
  font-family: inherit; font-size: 11.5px; font-weight: 600;
  color: var(--text-dim); background: var(--bg-soft);
  border: 1px solid var(--line); border-radius: 16px;
  padding: 4px 10px; cursor: pointer; transition: border-color .12s, color .12s;
}
.rn-chip:hover { border-color: var(--accent); color: var(--text); }
.rn-chip.on { background: var(--accent); border-color: var(--accent); color: #fff; }
@media print { .results-nav { display: none !important; } }
@media (max-width: 760px) { .results-nav { top: 58px; } }
@media (max-width: 620px) {
  /* topbar is static on phones, so stick to the very top; one scrollable row */
  .results-nav { top: 0; flex-wrap: nowrap; overflow-x: auto; -webkit-overflow-scrolling: touch; scrollbar-width: none; }
  .results-nav::-webkit-scrollbar { display: none; }
  .rn-chip { flex: 0 0 auto; }
}