#splash{position:fixed;inset:0;background:#1a1710;z-index:9999;display:flex;flex-direction:column;align-items:center;justify-content:center;transition:opacity .6s ease,transform .6s ease}
.splash-icon{width:140px;height:140px;margin-bottom:28px;animation:splashPop .7s cubic-bezier(.34,1.56,.64,1) both}
.splash-title{font-family:'DM Serif Display',serif;font-size:30px;color:#e8eaf0;animation:splashFade .8s ease .2s both;text-align:center;line-height:1.15}
.splash-bar{width:48px;height:2px;background:linear-gradient(90deg,#c9a84c,#e8c96a);border-radius:2px;margin-top:20px;animation:splashGrow 1s ease .6s both}
.splash-tagline{font-family:'Plus Jakarta Sans',sans-serif;font-size:16px;font-weight:700;color:#e8d5a3;margin-top:40px;letter-spacing:1.5px;animation:splashFade .8s ease .5s both}
@keyframes splashPop{from{opacity:0;transform:scale(.6)}to{opacity:1;transform:scale(1)}}
@keyframes splashFade{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}
@keyframes splashGrow{from{width:0;opacity:0}to{width:48px;opacity:1}}
:root{--bg:#f5f3ee;--surface:#fefcf8;--surface2:#f0ede5;--surface3:#e8e3d8;--border:#e0d9ce;--border2:#ccc4b5;--gold:#96700e;--gold-mid:#b8891f;--gold-light:#c9a84c;--on-gold:#13120e;--gold-dim:rgba(150,112,14,.1);--gold-dim2:rgba(150,112,14,.06);--text:#17140c;--text-muted:#6b6047;--text-dim:#8c7d66;--text-light:#b5a890;--green:#15603a;--green-dim:rgba(21,96,58,.08);--red:#a81c1c;--red-dim:rgba(168,28,28,.08);--blue:#1d4ed8;--purple:#6d28d9;--teal:#0e7269;--shadow-sm:0 1px 3px rgba(23,20,12,.06),0 1px 2px rgba(23,20,12,.04);--shadow-md:0 4px 12px rgba(23,20,12,.08),0 2px 4px rgba(23,20,12,.05);--shadow-lg:0 12px 32px rgba(23,20,12,.12),0 4px 8px rgba(23,20,12,.06);--radius-sm:6px;--radius-md:10px;--radius-lg:14px;--radius-xl:18px}
*{margin:0;padding:0;box-sizing:border-box}
body{background:var(--bg);color:var(--text);font-family:'Plus Jakarta Sans',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;font-size:13px;line-height:1.65;height:100%;overflow:hidden;overscroll-behavior:none;padding-top:env(safe-area-inset-top);padding-bottom:env(safe-area-inset-bottom);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
body::before{content:'';position:fixed;inset:0;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='200'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.75' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='200' height='200' filter='url(%23n)' opacity='0.03'/%3E%3C/svg%3E");pointer-events:none;z-index:0;opacity:.4}
.app{position:relative}
header{padding:0 40px;height:60px;border-bottom:1px solid var(--border);display:flex;align-items:center;gap:16px;background:rgba(254,252,248,.97);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);position:sticky;top:0;z-index:100;box-shadow:0 1px 0 var(--border),0 2px 8px rgba(23,20,12,.04)}
.logo,
.logo svg,
.logo span,
header{font-family:inherit}
.main{display:grid;grid-template-columns:240px 1fr;height:calc(100vh - 60px);height:calc(100dvh - 60px);overflow:hidden}
.sidebar{border-right:1px solid var(--border);padding:20px 0 32px;background:var(--surface);overflow-y:auto;overflow-x:hidden;overscroll-behavior:contain;-webkit-overflow-scrolling:touch;box-shadow:1px 0 0 var(--border);position:relative;z-index:20}
.sidebar-section{padding:0 20px;margin-bottom:8px}
.sidebar-section{padding:6px 0}
.nav-item{display:flex;align-items:center;gap:10px;padding:9px 14px;border-radius:var(--radius-md);cursor:pointer;transition:all .18s;color:var(--text-dim);font-size:13px;font-family:'Plus Jakarta Sans',sans-serif;border:1px solid transparent;margin-bottom:1px;font-weight:400}
.nav-item:hover{background:var(--surface2);color:var(--text);border-color:var(--border)}
.nav-item.active{background:var(--gold-dim2);border-color:rgba(150,112,14,.25);color:var(--gold);font-weight:500}
.nav-icon{width:28px;height:28px;display:flex;align-items:center;justify-content:center;font-size:13px;flex-shrink:0;border-radius:6px;transition:background .18s}
.content{padding:32px 40px 48px;overflow-y:auto;overflow-x:hidden;overscroll-behavior:contain;-webkit-overflow-scrolling:touch}
.calc-panel{display:none;animation:fadeIn .3s ease}
.calc-panel.active{display:block}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
.panel-header{margin-bottom:24px;display:flex;flex-direction:row;align-items:center;justify-content:space-between;gap:16px;flex-wrap:nowrap}
.panel-header-left{flex:1;min-width:0}
.panel-header-left .panel-title{font-family:'DM Serif Display',serif;font-size:28px;color:var(--text);line-height:1.15;letter-spacing:-.3px}
.panel-header-left .panel-subtitle{color:var(--text-muted);font-size:13px;font-family:'Plus Jakarta Sans',sans-serif;margin-top:5px}
.toolbar{display:flex;gap:8px;flex-wrap:wrap;align-items:center;flex-shrink:0}
.toolbar-btn{display:flex;align-items:center;gap:6px;padding:7px 13px;border-radius:var(--radius-sm);border:1px solid var(--border);background:var(--surface);color:var(--text-dim);font-family:'Plus Jakarta Sans',sans-serif;font-weight:500;font-size:13px;cursor:pointer;transition:all .18s;white-space:nowrap;box-shadow:var(--shadow-sm)}
.toolbar-btn:hover{border-color:var(--gold-light);color:var(--gold);background:var(--gold-dim)}
.toolbar-btn.active{border-color:var(--gold-light);color:var(--gold);background:var(--gold-dim);box-shadow:none}
.toolbar-btn svg{width:13px;height:13px;flex-shrink:0}
/* ── SCENARIOS (formerly Profiles) ── */
.profile-panel{background:var(--surface);border:1px solid var(--border2);border-radius:12px;padding:20px;margin-bottom:20px;display:none}
.profile-panel.open{display:block}
.profile-panel-title{font-size:13px;letter-spacing:.5px;text-transform:uppercase;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;margin-bottom:14px}
.profile-list{display:flex;flex-direction:column;gap:8px;margin-bottom:14px}
.profile-item{display:flex;align-items:center;gap:10px;padding:10px 14px;background:var(--surface2);border:1px solid var(--border);border-radius:8px;cursor:pointer;transition:all .2s;overflow:hidden}
.profile-item:hover{border-color:var(--gold);background:var(--gold-dim)}
.profile-item-name{flex:1;min-width:0;font-size:13px;color:var(--text);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.profile-item-date{font-family:'Plus Jakarta Sans',sans-serif;font-size:12px;color:var(--text-muted);white-space:nowrap;flex-shrink:0}
.profile-item-del{background:none;border:none;color:var(--text-muted);cursor:pointer;padding:2px 6px;border-radius:4px;font-size:13px;transition:color .2s;line-height:1}
.profile-item-del:hover{color:var(--red)}
.profile-save-row{display:flex;gap:8px}
.profile-save-row input{flex:1;background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:10px 14px;color:var(--text);font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;outline:none}
.profile-save-row input:focus{border-color:var(--gold)}
.profile-save-btn{padding:10px 18px;background:var(--gold);color:var(--bg);border:none;border-radius:8px;font-family:'Plus Jakarta Sans',sans-serif;font-weight:600;font-size:13px;cursor:pointer;transition:all .2s;white-space:nowrap}
.profile-save-btn:hover{background:var(--gold-light)}
.profile-empty{color:var(--text-muted);font-size:13px;font-family:'DM Mono',monospace;padding:8px 0}
/* ── WIZARD OVERLAY ── */
#wizard-overlay{position:fixed;inset:0;background:var(--bg);z-index:100000;display:flex;flex-direction:column;overflow-y:auto;overflow-x:hidden;overscroll-behavior:none;-webkit-overflow-scrolling:touch;opacity:0;animation:none}
#wizard-overlay.hidden{display:none;opacity:0}
#wizard-overlay.dashboard-mode{left:240px;z-index:5;top:60px}
#wizard-overlay.dashboard-mode .wiz-header{display:none}
@media(max-width:900px){
  #wizard-overlay.dashboard-mode{left:0;top:0;z-index:99999}
  #wizard-overlay.dashboard-mode .wiz-header{display:flex}
}
#wizard-overlay.visible{animation:wizFadeIn .4s ease forwards}
@keyframes wizFadeIn{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}
.wiz-header{display:flex;justify-content:space-between;align-items:center;padding:0 32px;height:60px;border-bottom:1px solid var(--border);background:rgba(254,252,248,.97);backdrop-filter:blur(16px);flex-shrink:0;box-shadow:0 1px 0 var(--border),0 2px 8px rgba(23,20,12,.04)}

.wiz-body{flex:1;display:flex;justify-content:center;padding:40px 24px 60px}
.wiz-inner{width:100%;max-width:600px}.wiz-inner.dashboard-active{max-width:100%;padding:0}.wiz-body.dashboard-active{padding:20px 20px 60px;align-items:flex-start}
.wiz-progress{display:flex;gap:8px;justify-content:center;margin-bottom:36px}
.wiz-step-dot{width:7px;height:7px;border-radius:50%;background:var(--border2);transition:all .35s cubic-bezier(.4,0,.2,1)}
.wiz-step-dot.active{background:var(--gold);transform:scale(1.4);box-shadow:0 0 0 3px var(--gold-dim)}
.wiz-step-dot.done{background:var(--gold-light)}
.wiz-step{display:none}
#jill-demo-panel #wiz-step-jill{display:block}
.wiz-step.active{display:block}
.wiz-eyebrow{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;letter-spacing:1px;text-transform:uppercase;font-weight:700;color:var(--gold);margin-bottom:12px}
.wiz-title{font-family:'DM Serif Display',serif;font-size:30px;color:var(--text);margin-bottom:12px;line-height:1.15;letter-spacing:-.5px}
.wiz-section-label{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;letter-spacing:.5px;text-transform:uppercase;font-weight:700;color:var(--gold);margin-bottom:10px}
.wiz-sub{font-size:13px;color:var(--text-muted);margin-bottom:32px;line-height:1.7;font-family:'Plus Jakarta Sans',sans-serif}
.wiz-field{margin-bottom:18px}
.wiz-field label{display:block;font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:600;color:var(--text-muted);margin-bottom:7px;text-transform:uppercase;letter-spacing:.3px}
.wiz-hint{display:inline-flex;align-items:center;justify-content:center;width:15px;height:15px;border-radius:50%;border:1px solid var(--border2);background:var(--surface2);color:var(--text-muted);font-size:10px;font-weight:700;cursor:pointer;margin-left:6px;vertical-align:middle;line-height:1;transition:all .15s;font-family:'Plus Jakarta Sans',sans-serif;text-transform:none;letter-spacing:0;position:relative;top:-1px}
.wiz-hint:hover{border-color:var(--gold);color:var(--gold);background:var(--gold-dim)}
.wiz-hint-box{display:none;position:absolute;left:0;top:calc(100% + 6px);width:260px;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:10px 12px;font-family:'Plus Jakarta Sans',sans-serif;font-size:12px;color:var(--text-muted);line-height:1.65;z-index:999;box-shadow:0 4px 20px rgba(0,0,0,.18);font-weight:400;text-transform:none;letter-spacing:0}
.wiz-hint-wrap{position:relative;display:inline-block}
.wiz-hint-wrap:hover .wiz-hint-box,.wiz-hint:focus+.wiz-hint-box{display:block}
.wiz-input{width:100%;padding:11px 14px;border:1px solid var(--border);border-radius:var(--radius-md);background:var(--surface);color:var(--text);font-size:13px;line-height:1.4;outline:none;transition:border-color .2s,box-shadow .2s;font-family:'Plus Jakarta Sans',sans-serif;box-shadow:inset 0 1px 2px rgba(23,20,12,.03)}
.wiz-input.money-input{font-family:'DM Mono',monospace}
select.wiz-input{font-family:'DM Mono',monospace}
.wiz-input:focus{border-color:var(--gold-light);box-shadow:0 0 0 3px var(--gold-dim),inset 0 1px 2px rgba(23,20,12,.03)}
.wiz-input-prefix{position:relative}
.wiz-sym{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-family:'DM Mono',monospace;font-size:13px;pointer-events:none}
.wiz-input-prefix .wiz-input{padding-left:30px}
.wiz-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.wiz-nav{display:flex;justify-content:space-between;margin-top:28px;gap:10px}
.wiz-btn-primary{flex:1;padding:14px 22px;border-radius:var(--radius-md);border:none;background:var(--gold);color:#fff;font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:600;transition:all .2s;letter-spacing:.1px;cursor:pointer;box-shadow:0 2px 8px rgba(150,112,14,.3)}
.wiz-btn-primary:hover{background:var(--gold-mid);box-shadow:0 4px 12px rgba(150,112,14,.4);transform:translateY(-1px)}
.wiz-btn-primary:active{transform:translateY(0);box-shadow:0 2px 6px rgba(150,112,14,.3)}
.wiz-btn-secondary{padding:14px 20px;border-radius:var(--radius-md);border:1px solid var(--border2);background:none;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:500;transition:all .18s;cursor:pointer}
.wiz-btn-secondary:hover{border-color:var(--border2);color:var(--text);background:var(--surface2)}
.goal-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:24px}
.goal-card{background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:14px 18px;cursor:pointer;transition:all .2s;text-align:left;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;justify-content:flex-start;align-items:stretch}
.goal-card:hover{border-color:var(--gold-light);box-shadow:var(--shadow-md);transform:translateY(-1px)}
.goal-card.selected{border-color:var(--gold);background:var(--gold-dim2);box-shadow:0 0 0 3px var(--gold-dim)}
.goal-card-header{display:flex;align-items:flex-start;gap:12px;margin-bottom:6px}.goal-icon svg{display:block}
.goal-icon{display:flex;align-items:center;justify-content:center;width:22px;height:22px;flex-shrink:0;line-height:1;margin-top:1px}
.goal-card-title{font-family:'DM Serif Display',serif;font-size:18px;color:var(--text);line-height:1.2}
.goal-card-sub{font-size:12px;color:var(--text-muted);line-height:1.5;padding-left:34px;margin-top:0}
.subgoal-section-label{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:600;color:var(--text-muted);margin-bottom:10px;text-transform:uppercase;letter-spacing:.3px}
.subgoal-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin:12px 0 20px}
.subgoal-chip{padding:9px 14px;border-radius:var(--radius-md);border:1px solid var(--border);background:var(--surface);font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:500;color:var(--text-muted);cursor:pointer;transition:all .18s;text-align:left;box-shadow:var(--shadow-sm);display:inline-flex;align-items:center;gap:8px}
.subgoal-chip:hover{border-color:var(--gold-light);color:var(--text);background:var(--surface2)}
.subgoal-chip.selected{border-color:var(--gold);background:var(--gold-dim);color:var(--gold);box-shadow:0 0 0 3px var(--gold-dim),var(--shadow-sm)}
.borrow-type-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:12px 0 20px}
/* Dashboard */
#wiz-summary{display:none;position:relative;z-index:1}
#wiz-summary.active{display:block}


.dash-collapse{margin-bottom:0}
.dash-collapse summary{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;font-weight:700;color:var(--text-light);margin:28px 0 12px;display:flex;align-items:center;gap:10px;cursor:pointer;list-style:none;user-select:none}
.dash-collapse summary::-webkit-details-marker{display:none}
.dash-collapse summary::after{content:'';flex:1;height:1px;background:var(--border)}
.dash-collapse summary .dash-chevron{flex-shrink:0;transition:transform .2s;opacity:.5;margin-left:-4px}
.dash-collapse[open] summary .dash-chevron{transform:rotate(180deg)}
.dash-collapse summary:hover{color:var(--text)}
.dash-collapse summary:hover .dash-chevron{opacity:1}
.dash-collapse-body{padding-bottom:4px}
.dash-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:8px}
.dash-tile{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:16px 18px;box-shadow:var(--shadow-sm);transition:box-shadow .2s;overflow:hidden;min-width:0}
.dash-tile:hover{box-shadow:var(--shadow-md)}
.dash-tile-label{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;letter-spacing:.5px;color:var(--text-muted);margin-bottom:6px;text-transform:uppercase;font-weight:600}
.dash-tile-val{font-family:'DM Serif Display',serif;font-size:22px;color:var(--text);letter-spacing:-.3px;line-height:1.1}
.dash-tile-val.gold{color:var(--gold)}
.dash-tile-val.red{color:var(--red)}
.dash-tile-val.green{color:var(--green)}
.proforma-cols{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:12px}
.proforma-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:18px 20px;box-shadow:var(--shadow-sm)}
.proforma-card.after{border-color:rgba(150,112,14,.3);background:linear-gradient(135deg,var(--gold-dim2) 0%,var(--surface) 100%)}
.proforma-tag{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;letter-spacing:.5px;text-transform:uppercase;font-weight:700;padding:4px 10px;border-radius:4px;display:inline-block;margin-bottom:12px}
.proforma-tag.before{background:var(--surface2);color:var(--text-muted)}
.proforma-tag.after{background:var(--gold-dim);color:var(--gold)}
.proforma-row{display:flex;justify-content:space-between;align-items:baseline;padding:6px 0;border-bottom:1px solid var(--border)}
.proforma-row:last-child{border-bottom:none;font-weight:600;padding-top:10px}
.proforma-label{font-size:13px;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif}
.proforma-val{font-family:'DM Mono',monospace;font-size:13px;color:var(--text)}
.proforma-delta{padding:12px 16px;border-radius:var(--radius-md);font-size:13px;margin-top:10px;line-height:1.65;font-family:'Plus Jakarta Sans',sans-serif}
.proforma-delta.ok{background:var(--green-dim);border:1px solid rgba(21,96,58,.2);color:var(--green)}
.proforma-delta.warn{background:rgba(150,112,14,.08);border:1px solid rgba(150,112,14,.25);color:var(--gold)}
.proforma-delta.bad{background:var(--red-dim);border:1px solid rgba(168,28,28,.2);color:var(--red)}
.tier-grid{display:flex;flex-direction:row;gap:12px;margin:12px 0;align-items:stretch}
.insight-item{display:flex;align-items:flex-start;gap:12px;padding:13px 16px;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;color:var(--text);line-height:1.65}@media(max-width:600px){.tier-grid{grid-template-columns:1fr}.wiz-row{flex-direction:column}.proforma-cols{grid-template-columns:1fr}.dash-grid{grid-template-columns:1fr 1fr}#calc-home .goal-grid{grid-template-columns:1fr 1fr!important}.goal-card{padding:10px 12px}.goal-card-title{font-size:13px}.goal-card-sub{font-size:11px}}
.tier-tile{border:1.5px solid;border-radius:var(--radius-lg);padding:14px 16px;box-shadow:var(--shadow-sm);transition:box-shadow .2s;display:flex;align-items:flex-start;gap:16px}
.tier-tile:hover{box-shadow:var(--shadow-md)}
.tier-label{font-family:'Plus Jakarta Sans',sans-serif;font-size:11px;letter-spacing:.8px;text-transform:uppercase;font-weight:700;margin-bottom:3px;opacity:.85}
.tier-val{font-family:'DM Serif Display',serif;font-size:22px;margin-bottom:2px;letter-spacing:-.3px;line-height:1.1}
.tier-meta{font-family:'Plus Jakarta Sans',sans-serif;font-size:11px;color:var(--text-muted);line-height:1.4}

.saved-goals-title{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;letter-spacing:.5px;text-transform:uppercase;font-weight:700;color:var(--text-muted);margin-bottom:10px}
.saved-goal-item{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:8px;background:var(--surface);border:1px solid var(--border);margin-bottom:6px;cursor:pointer;transition:all .2s}
.saved-goal-item:hover{border-color:var(--gold);background:var(--gold-dim)}
.saved-goal-icon{font-size:13px;flex-shrink:0}
.saved-goal-info{flex:1;min-width:0}
.saved-goal-name{font-size:13px;color:var(--text);font-family:'Plus Jakarta Sans',sans-serif;font-weight:500}
.saved-goal-meta{font-size:13px;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;margin-top:2px}
.saved-goal-del{padding:4px 8px;border-radius:6px;border:none;background:none;color:var(--text-muted);font-size:13px;line-height:1;cursor:pointer}
.saved-goal-del:hover{color:var(--red)}
.compare-banner{display:none;align-items:center;gap:12px;padding:12px 16px;background:rgba(167,139,250,.08);border:1px solid rgba(167,139,250,.3);border-radius:10px;margin-bottom:20px;font-size:13px;font-family:'Plus Jakarta Sans',sans-serif;color:var(--purple)}
.compare-banner.show{display:flex}
.col-label{display:inline-block;padding:4px 10px;border-radius:20px;font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;letter-spacing:.3px;text-transform:uppercase;font-weight:600;margin-bottom:12px}
.col-label.a{background:rgba(29,78,216,.1);color:var(--blue);border:1px solid rgba(29,78,216,.3)}
.col-label.b{background:rgba(109,40,217,.1);color:var(--purple);border:1px solid rgba(109,40,217,.3)}
.compare-cols{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;box-shadow:var(--shadow-sm)}
.card-title{font-size:13px;letter-spacing:1px;text-transform:uppercase;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;margin-bottom:20px;font-weight:700;padding-bottom:12px;border-bottom:1px solid var(--border)}
.result-card{background:linear-gradient(135deg,var(--surface2) 0%,var(--surface) 100%);border:1px solid rgba(150,112,14,.2);border-radius:var(--radius-lg);padding:24px;display:flex;flex-direction:column;gap:14px;box-shadow:var(--shadow-sm)}
.mg-add-btn{padding:7px 14px;border:1.5px dashed var(--border2);border-radius:var(--radius-sm);background:none;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;font-size:12px;font-weight:600;cursor:pointer;transition:all .18s;letter-spacing:.2px}
.mg-add-btn:hover{border-color:var(--gold);color:var(--gold);background:var(--gold-dim2)}
.result-label{font-size:13px;letter-spacing:1px;text-transform:uppercase;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;font-weight:600;margin-bottom:4px}
.result-value{font-family:'DM Serif Display',serif;font-size:34px;color:var(--gold);line-height:1.05;letter-spacing:-.5px}
.result-value.large{font-size:40px}
.result-value.teal{color:var(--teal)}
.result-breakdown{border-top:1px solid var(--border);padding-top:14px;display:flex;flex-direction:column;gap:9px}
.breakdown-row{display:flex;justify-content:space-between;align-items:center;font-size:13px;padding:5px 0}
.breakdown-label{color:var(--text-dim);font-size:13px;font-family:'Plus Jakarta Sans',sans-serif}
.breakdown-value{font-family:'DM Mono',monospace;color:var(--text);font-size:13px;font-weight:500}
.cmp-card{background:var(--surface2);border-radius:var(--radius-md);padding:18px 20px;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.cmp-value{font-family:'DM Serif Display',serif;font-size:26px;color:var(--gold);margin:6px 0;letter-spacing:-.3px}
.cmp-label{font-size:13px;letter-spacing:.5px;text-transform:uppercase;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;font-weight:600}
.cmp-row{display:flex;justify-content:space-between;font-size:13px;padding:6px 0;border-bottom:1px solid var(--border)}
.cmp-row:last-child{border-bottom:none}
.cmp-row span:first-child{color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif}
.cmp-row span:last-child{font-family:'DM Mono',monospace;color:var(--text)}
.diff{display:inline-block;font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:600;padding:3px 9px;border-radius:20px}
.diff.same{background:rgba(107,114,128,.12);color:var(--text-muted);border:1px solid rgba(107,114,128,.3)}
.field{margin-bottom:18px}
.field:last-child{margin-bottom:0}
label{display:block;font-size:13px;letter-spacing:.5px;text-transform:uppercase;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;margin-bottom:7px;font-weight:600}
input[type="text"],select{width:100%;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:10px 14px;color:var(--text);font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;line-height:1.4;transition:border-color .2s,box-shadow .2s;outline:none;box-shadow:inset 0 1px 2px rgba(23,20,12,.03)}
input[type="number"]{width:100%;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);padding:10px 14px;color:var(--text);font-family:'DM Mono',monospace;font-size:13px;line-height:1.4;transition:border-color .2s,box-shadow .2s;outline:none;-moz-appearance:textfield;box-shadow:inset 0 1px 2px rgba(23,20,12,.03)}
/* Money inputs: DM Mono so £ values match number field width and weight */
.money-input{font-family:'DM Mono',monospace !important;font-size:13px !important;letter-spacing:0 !important}
input::-webkit-outer-spin-button,input::-webkit-inner-spin-button{-webkit-appearance:none}
input:focus,select:focus{border-color:var(--gold-light);box-shadow:0 0 0 3px var(--gold-dim),inset 0 1px 2px rgba(23,20,12,.03)}
select{cursor:pointer;appearance:none;font-family:'DM Mono',monospace;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='10' viewBox='0 0 10 10'%3E%3Cpath fill='%23c9a84c' d='M5 7L1 3h8z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:32px}
select:hover:not(:focus){border-color:var(--text-muted)}
select option{background:var(--surface);color:var(--text)}
.input-prefix{position:relative}
.input-prefix span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-family:'DM Mono',monospace;font-size:13px}
.input-prefix input{padding-left:26px}
.input-suffix{position:relative}
.input-suffix span{position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-family:'DM Mono',monospace;font-size:13px}
.year-stepper{display:flex;align-items:center;width:100%;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden;transition:border-color .2s;box-shadow:inset 0 1px 2px rgba(23,20,12,.03)}
.year-stepper:focus-within{border-color:var(--gold-light);box-shadow:0 0 0 3px var(--gold-dim),inset 0 1px 2px rgba(23,20,12,.03)}
.stepper-btn{background:none;border:none;color:var(--text-muted);cursor:pointer;padding:0 11px;height:33px;font-size:15px;font-weight:400;transition:all .15s;flex-shrink:0;display:flex;align-items:center;justify-content:center;user-select:none;border-right:1px solid var(--border)}
.stepper-btn:last-child{border-right:none;border-left:1px solid var(--border)}
.stepper-btn:hover{background:var(--surface2);color:var(--gold)}
.stepper-btn:active{background:var(--gold-dim);color:var(--gold)}
.stepper-input{flex:1;background:none;border:none;text-align:center;color:var(--text);font-family:'DM Mono',monospace;font-size:11px;padding:10px 2px;outline:none;-moz-appearance:textfield;min-width:0}
.stepper-input::-webkit-outer-spin-button,.stepper-input::-webkit-inner-spin-button{-webkit-appearance:none}
.stepper-unit{color:var(--text-muted);font-family:'DM Mono',monospace;font-size:12px;padding-right:10px;flex-shrink:0;opacity:.7}


.table-wrap{overflow-x:auto;margin-top:8px}
table{width:100%;border-collapse:collapse;font-size:13px;font-family:'DM Mono',monospace}
th{text-align:left;padding:8px 10px;font-size:11px;letter-spacing:.5px;text-transform:uppercase;color:var(--text-muted);border-bottom:2px solid var(--border);font-weight:700;font-family:'Plus Jakarta Sans',sans-serif;background:var(--surface2)}
th:first-child{border-radius:var(--radius-sm) 0 0 0}
th:last-child{border-radius:0 var(--radius-sm) 0 0}
td{padding:7px 10px;color:var(--text-dim);border-bottom:1px solid var(--border);line-height:1.4;font-family:'Plus Jakarta Sans',sans-serif;font-size:12px}
tr:hover td{background:var(--gold-dim2);color:var(--text)}
.bar-container{height:6px;background:var(--surface2);border-radius:3px;overflow:hidden;margin-top:8px;border:1px solid var(--border)}
.bar-fill{height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:3px;transition:width .6s cubic-bezier(.4,0,.2,1)}
.tax-band{display:flex;align-items:center;gap:12px;padding:11px 0;border-bottom:1px solid var(--border);font-size:13px}
.tax-band:last-child{border-bottom:none}
.band-rate{font-family:'DM Mono',monospace;color:var(--gold);font-size:13px;font-weight:500;width:52px;flex-shrink:0}
.band-label{color:var(--text-dim);flex:1;font-size:13px;font-family:'Plus Jakarta Sans',sans-serif}
.band-amount{font-family:'DM Mono',monospace;color:var(--text);font-size:13px;font-weight:500}
.country-chips{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:18px}
.chip{padding:6px 14px;border-radius:20px;border:1px solid var(--border);font-size:13px;font-family:'Plus Jakarta Sans',sans-serif;font-weight:500;cursor:pointer;transition:all .18s;color:var(--text-dim);box-shadow:var(--shadow-sm)}
.chip:hover{border-color:var(--gold-light);color:var(--gold);background:var(--gold-dim2)}
.chip.active{border-color:var(--gold-light);background:var(--gold-dim);color:var(--gold);box-shadow:none}
.mode-tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:20px}
.mode-tab{padding:7px 16px;border-radius:var(--radius-sm);border:1px solid var(--border);font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:500;cursor:pointer;transition:all .18s;color:var(--text-dim);background:var(--surface);box-shadow:var(--shadow-sm)}
.mode-tab:hover{border-color:var(--gold-light);color:var(--gold);background:var(--gold-dim2)}
.mode-tab.active{border-color:var(--gold-light);background:var(--gold-dim);color:var(--gold);box-shadow:none;font-weight:500}
.info-note{padding:12px 16px;background:var(--gold-dim2);border:1px solid rgba(150,112,14,.18);border-radius:var(--radius-md);font-size:13px;color:var(--text-dim);font-family:'Plus Jakarta Sans',sans-serif;line-height:1.65;margin-top:12px;border-left:3px solid rgba(150,112,14,.35)}
.tvm-mode{display:none}
.tvm-mode.active{display:block}
.fun-mode{display:none}
.fun-mode.active{display:block}
.cf-row{display:flex;align-items:center;gap:8px;margin-bottom:8px}
.cf-row .input-prefix{flex:1}
.cf-row-label{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;color:var(--text-muted);width:60px;flex-shrink:0}
.cf-del{background:none;border:none;color:var(--text-muted);cursor:pointer;font-size:13px;padding:4px 8px;border-radius:4px;transition:color .2s}
.cf-del:hover{color:var(--red)}
.add-cf-btn{display:flex;align-items:center;gap:6px;padding:9px 14px;border-radius:var(--radius-sm);border:1px dashed var(--border2);background:none;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;font-weight:500;font-size:13px;cursor:pointer;transition:all .2s;width:100%;justify-content:center;margin-top:4px}
.add-cf-btn:hover{border-color:var(--gold-light);color:var(--gold);background:var(--gold-dim2)}
.export-btn{border-color:rgba(201,168,76,.4);color:var(--gold)}
.export-btn:hover{border-color:var(--gold);background:var(--gold-dim)}
.contact-link{display:flex;align-items:center;gap:5px;margin-left:auto;font-family:'Plus Jakarta Sans',sans-serif;font-weight:500;font-size:11px;color:var(--text-muted);text-decoration:none;padding:5px 11px;border-radius:8px;border:1px solid var(--border);transition:all .2s;white-space:nowrap}
.contact-link:hover{border-color:var(--gold);color:var(--gold);background:var(--gold-dim)}
.contact-link svg{width:11px;height:11px;flex-shrink:0}
.modal-backdrop{display:none;position:fixed;inset:0;background:rgba(26,23,16,.45);backdrop-filter:blur(4px);z-index:900;align-items:center;justify-content:center}
.modal-backdrop.open{display:flex}
.modal{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-xl);padding:36px 40px;max-width:440px;width:90%;position:relative;box-shadow:var(--shadow-lg);backdrop-filter:blur(4px)}
.modal-close{position:absolute;top:14px;right:16px;background:none;border:none;font-size:22px;cursor:pointer;color:var(--text-muted);line-height:1;padding:4px 8px;border-radius:6px;transition:color .2s}
.modal-close:hover{color:var(--text)}
.modal-title{font-family:'DM Serif Display',serif;font-size:26px;color:var(--text);margin-bottom:6px}
.modal-sub{font-size:13px;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;margin-bottom:24px}
.modal-email-box{display:flex;align-items:center;gap:12px;background:var(--surface2);border:1px solid var(--border);border-radius:10px;padding:14px 18px}
.modal-email-box svg{color:var(--gold);flex-shrink:0;width:20px;height:20px}
.modal-email-addr{font-family:'DM Mono',monospace;font-size:13px;color:var(--text);word-break:break-all}
.modal-copy-btn{margin-left:auto;padding:6px 12px;border-radius:7px;border:1px solid var(--border2);background:none;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;font-weight:500;font-size:13px;cursor:pointer;transition:all .2s;white-space:nowrap;flex-shrink:0}
.modal-copy-btn:hover{border-color:var(--gold);color:var(--gold);background:var(--gold-dim)}
.modal-note{margin-top:18px;font-size:13px;color:var(--text-muted);font-family:'Plus Jakarta Sans',sans-serif;line-height:1.65}
.modal-actions{margin-top:20px;display:flex;gap:10px}
.modal-btn-primary{flex:1;padding:11px;border-radius:9px;border:1px solid var(--gold);background:var(--gold-dim);color:var(--gold);font-family:'Plus Jakarta Sans',sans-serif;font-weight:600;font-size:13px;cursor:pointer;transition:all .2s;text-align:center;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:6px}
.modal-btn-primary:hover{background:var(--gold);color:#fff}

/* ── TABLET (≤900px) ──────────────────────────────────────────────────────── */
@media(max-width:900px){
  .calc-grid,.compare-cols{grid-template-columns:1fr}
  .main{display:flex;flex-direction:column;height:calc(100vh - 52px);height:calc(100dvh - 52px)}
  .sidebar{display:flex;flex-direction:row;overflow-x:auto;overflow-y:hidden;padding:10px 12px;border-right:none;border-bottom:1px solid var(--border);scrollbar-width:none;-webkit-overflow-scrolling:touch;flex-shrink:0;height:auto}
  .sidebar::-webkit-scrollbar{display:none}
  .sidebar-section{display:flex;flex-direction:row;gap:6px;padding:0;margin:0}
  /* Settings section always visible at right end — sticky so it doesn't scroll off */
  .sidebar-section:last-child{position:sticky;right:0;background:var(--surface);border-left:1px solid var(--border);border-top:none!important;margin-top:0!important;padding-top:0!important;padding-left:8px;flex-shrink:0}
  .nav-item{flex-direction:column;padding:8px 12px;gap:3px;font-size:11px;white-space:nowrap;flex-shrink:0;text-align:center}
  .nav-icon{font-size:16px;width:auto;height:auto}
  header{padding:0 16px}
  header
  .content{padding:20px 16px;flex:1;overflow-y:auto;overflow-x:hidden;overscroll-behavior:contain;-webkit-overflow-scrolling:touch;min-height:0}
  .panel-title{font-size:22px}
  .toolbar{gap:6px;flex-wrap:nowrap}
  .toolbar-btn{font-size:12px;padding:6px 10px}
  .wiz-row,.subgoal-grid,.borrow-type-row{grid-template-columns:1fr}
  .proforma-cols,.dash-grid{grid-template-columns:1fr}
  .tier-grid{flex-direction:column;gap:10px}
  #wiz-step0-cards{grid-template-columns:1fr!important}
  .wiz-body{padding:28px 16px 48px}
  .wiz-header{padding:0 16px}
}
/* ── MOBILE (≤600px) ──────────────────────────────────────────────────────── */
@media(max-width:600px){
  /* Header */
  header{height:46px;padding:0 12px;gap:6px;overflow:hidden}
  .logo{font-size:12px}
  .logo-wordmark-full{display:none}
  .logo-wordmark-short{display:inline}
  .contact-link-label{display:none}
  .contact-link{padding:5px 8px}
  /* Bottom nav — replace top scrolling sidebar with fixed bottom tab bar */
  .sidebar{
    position:fixed;bottom:0;left:0;right:0;top:auto!important;
    display:flex;flex-direction:row;
    padding:0;margin:0;
    background:var(--surface);
    border-top:1px solid var(--border);
    border-right:none;border-bottom:none;
    height:56px;z-index:200;
    overflow:visible;
    box-shadow:0 -2px 12px rgba(0,0,0,.18);
  }
  .sidebar-section{display:contents}
  .nav-item{
    flex:1;flex-direction:column;
    padding:6px 4px 8px;gap:3px;
    font-size:10px;font-weight:500;
    white-space:nowrap;text-align:center;
    border-radius:0;border:none;margin:0;
    min-width:0;
  }
  .nav-item.active{
    background:none;
    color:var(--gold);
    border-color:transparent;
    border-top:2px solid var(--gold);
  }
  .nav-icon{font-size:18px;width:auto;height:auto;margin-bottom:1px}
  .nav-label-full{display:none}
  .nav-label-short{display:inline!important}
  /* Push content up so it doesn't hide behind bottom nav */
  .main{display:flex;flex-direction:column;height:calc(100dvh - 46px)}
  .content{padding:16px 12px 72px;flex:1;overflow-y:auto;overflow-x:hidden;overscroll-behavior:contain;-webkit-overflow-scrolling:touch;min-height:0}
  /* Wizard overlay — full screen, above bottom nav */
  #wizard-overlay{padding-bottom:56px}
  .wiz-body{padding:28px 16px 72px}
  /* Cards */
  .card{padding:16px}
  .card-title{font-size:11px;margin-bottom:14px;padding-bottom:10px}
  .result-card{padding:18px}
  .result-value{font-size:26px}
  .result-value.large{font-size:32px}
  /* Panel headers */
  .panel-header{margin-bottom:16px;gap:10px;flex-direction:column;align-items:flex-start}
  .panel-header-left{flex:none}
  .panel-header-left .panel-title{font-size:20px}
  .panel-header-left .panel-subtitle{font-size:12px}
  /* Toolbar — wrap and shrink */
  .toolbar-btn{font-size:11px;padding:6px 8px;gap:4px}
  .toolbar-btn svg{width:11px;height:11px}
  /* Tables — horizontal scroll */
  .table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
  table{min-width:400px}
  /* Calc grids */
  .calc-grid{gap:14px;grid-template-columns:1fr}
  .compare-cols{grid-template-columns:1fr}
  /* Breakdown rows */
  .breakdown-row{flex-wrap:nowrap;gap:4px}
  .breakdown-row>span:first-child{min-width:0;overflow:hidden;text-overflow:ellipsis}
  .breakdown-row>span:last-child{flex-shrink:0;text-align:right}
  /* Dashboard tiles — 2 col on small mobile */
  .dash-grid{grid-template-columns:1fr 1fr}
  .dash-tile{padding:12px 14px}
  .dash-tile-val{font-size:18px}
  /* Dash collapse summary */
  .dash-collapse summary{font-size:11px;letter-spacing:1px;margin:20px 0 8px}
  /* Key numbers hero */
  #dash-key-numbers .result-value{font-size:28px}
  /* Proforma cols stack */
  .proforma-cols{grid-template-columns:1fr}
  /* Tier comparison table — horizontal scroll on mobile */
  .tier-grid{display:flex;flex-direction:column;gap:10px}
  .tier-tile{padding:12px 14px}
  .tier-val{font-size:18px}
  /* Insight items */
  .insight-item{padding:10px 12px;font-size:12px}
  /* Plan calc button */
  .plan-calc-btn{padding:14px 16px;gap:12px}
  .plan-calc-icon{width:40px;height:40px;font-size:22px}
  .plan-calc-title{font-size:16px}
  /* Compare banner */
  .compare-cols{gap:12px}
  /* Wizard */
  .wiz-header{padding:0 12px;height:52px}
  .wiz-body{padding:20px 14px 60px}
  .wiz-title{font-size:24px}
  .wiz-sub{font-size:13px;margin-bottom:20px}
  .wiz-btn-primary,.wiz-btn-secondary{padding:12px 16px;font-size:13px}
  .wiz-progress{margin-bottom:24px}
  /* Goal cards */
  .goal-card{padding:12px 14px}
  .goal-card-title{font-size:16px}
  .goal-card-sub{font-size:11px}
  /* Profile/scenario panels */
  .profile-panel{padding:14px}
  .saved-goals-panel{padding:14px}
  .profile-item-date{display:none}
  /* Slider labels */

  /* Year stepper */
  .stepper-btn{padding:0 10px}
  /* Login */
  .login-box{padding:32px 24px}
  /* Back button */
  #calc-back-btn{padding:14px}
  /* Compare badge */
  .col-label{font-size:11px;padding:3px 8px}
  /* Inputs — keep 16px for iOS anti-zoom; reduce padding for compact rendering */
  input[type="text"],input[type="number"],select{font-size:16px;padding:5px 8px}
  .wiz-input{font-size:16px;padding:8px 12px}
  .wiz-input-prefix .wiz-input{padding-left:26px}
  .input-prefix input{padding-left:20px}
  /* Fix prefix/suffix symbol alignment to match 16px input text */
  .input-prefix span,.input-suffix span{font-size:15px}
  .wiz-sym{font-size:15px}
  label{font-size:11px;margin-bottom:5px}
  .field{margin-bottom:14px}
  #mg-strategy-tiles{grid-template-columns:1fr!important}

  /* ── Dashboard header — shrink hero text on narrow screens ── */
  #dash-hero-name{font-size:20px!important}
  #dash-hero-goal{font-size:13px!important;margin-top:3px!important}

  /* Compare + Profile buttons — icon-only on very small screens */
  #whatif-btn > svg ~ *,#dash-profile-btn > svg ~ *{display:none}
  #whatif-btn,#dash-profile-btn{padding:8px 10px!important}

  /* ── Dashboard what-if timeline inputs — thumb-friendly on mobile ── */
  /* Make the inline inputs full-width rows instead of tiny inline elements */
  .tl-whatif-row{flex-direction:column;align-items:stretch!important;gap:8px!important}
  .tl-whatif-row input[type="number"]{
    width:100%!important;font-size:16px!important;padding:10px 12px 10px 28px!important;
    min-height:44px;border-radius:var(--radius-md)!important
  }
  .tl-whatif-row input[type="number"].no-prefix{padding-left:12px!important}
  .tl-whatif-row button{min-height:44px;font-size:14px!important;padding:10px 16px!important;border-radius:var(--radius-md)!important}

  /* Jill demo banner — stack on mobile */
  #jill-demo-banner > div > div:first-child{flex-direction:column!important;align-items:flex-start!important;gap:10px!important}
  #jill-demo-banner > div > div:first-child > div:last-child{width:100%}
  #jill-demo-banner > div > div:first-child > div:last-child button{width:100%;justify-content:center}

  /* What-if panel slider rows — ensure they don't clip */
  #dash-whatif-panel{padding:0!important}
  #dash-whatif-panel .card{padding:16px 14px}

  /* Share modal — full-width on mobile */
  #share-plan-modal > div{width:calc(100% - 24px)!important;max-width:none!important;margin:0 12px!important}
  #share-link-input{font-size:14px!important}

  /* Lead capture modal — full-width */
  #lead-capture-modal > div{width:calc(100% - 24px)!important;max-width:none!important}
}

/* ── SCROLL TO TOP ────────────────────────────────────────────────────────── */
#scroll-to-top-btn{
  position:fixed;bottom:72px;right:14px;z-index:190;
  width:40px;height:40px;border-radius:50%;
  background:var(--surface);border:1px solid var(--border);
  color:var(--text-muted);
  display:none;align-items:center;justify-content:center;
  box-shadow:0 4px 16px rgba(0,0,0,.35);
  cursor:pointer;
  transition:opacity .2s,transform .2s;
  -webkit-tap-highlight-color:transparent;
}
#scroll-to-top-btn.visible{display:flex}
#scroll-to-top-btn:active{transform:scale(.92)}
@media(min-width:601px){#scroll-to-top-btn{display:none!important}}

/* ── LOGIN ────────────────────────────────────────────────────────────────── */
#login-overlay{position:fixed;inset:0;background:#13120e;z-index:99999;display:none;opacity:0;align-items:center;justify-content:center;padding:24px}
.login-box{background:#1c1a14;border:1px solid #2a2720;border-radius:20px;padding:44px 40px;width:100%;max-width:380px;box-shadow:0 32px 80px rgba(0,0,0,.7),0 0 0 1px rgba(201,168,76,.08);position:relative;overflow:hidden}
.login-box::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.4),transparent)}
.login-label{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;letter-spacing:.5px;text-transform:uppercase;font-weight:600;color:#9ca3af;margin-bottom:6px}
.login-input{width:100%;background:#13120e;border:1px solid #2e2b20;border-radius:8px;padding:11px 14px;color:#e8eaf0;font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;outline:none;transition:border-color .2s;box-sizing:border-box}
.login-input:focus{border-color:#c9a84c}

.login-btn{width:100%;padding:14px;background:#c9a84c;color:#13120e;font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:700;letter-spacing:.3px;border:none;border-radius:12px;cursor:pointer;transition:all .2s;margin-top:24px;box-shadow:0 2px 12px rgba(201,168,76,.35)}
.login-btn:hover{background:#d4b84a;box-shadow:0 4px 16px rgba(201,168,76,.45);transform:translateY(-1px)}
.login-btn:active{transform:translateY(0)}
.login-btn-ghost{width:100%;padding:10px;background:none;color:#6b7280;font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:500;border:none;cursor:pointer;margin-top:8px;transition:color .2s}
.login-btn-ghost:hover{color:#e8eaf0}
.login-err{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;color:#ef4444;text-align:center;min-height:16px;margin-top:8px}

/* ── UTILITY: DM Mono shorthand classes ──────────────────────────────────── */
.mono{font-family:'DM Mono',monospace}

/* ── CALCULATOR ACTION CARDS ───────────────────────────────────────────────── */
.plan-calc-btn{display:flex;align-items:center;gap:18px;width:100%;padding:20px 22px;background:var(--surface);border:1.5px solid var(--border);border-radius:14px;cursor:pointer;transition:all .22s;text-align:left}
.plan-calc-btn:hover{border-color:var(--gold);background:var(--gold-dim);transform:translateY(-1px);box-shadow:0 4px 20px rgba(160,120,32,.13)}
.plan-calc-btn:hover .plan-calc-title{color:var(--gold)}
.plan-calc-btn:hover .plan-calc-arrow{opacity:1;transform:translateX(0);color:var(--gold)}
.plan-calc-icon{font-size:28px;flex-shrink:0;width:52px;height:52px;display:flex;align-items:center;justify-content:center;background:var(--surface2);border-radius:12px;border:1px solid var(--border)}
.plan-calc-text{flex:1;min-width:0}
.plan-calc-label{font-family:'DM Mono',monospace;font-size:11px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold);margin-bottom:4px}
.plan-calc-title{font-family:'DM Serif Display',serif;font-size:19px;color:var(--text);margin-bottom:3px;transition:color .2s}
.plan-calc-sub{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;color:var(--text-muted);line-height:1.5}
.plan-calc-arrow{flex-shrink:0;color:var(--text-muted);opacity:0.4;transform:translateX(-4px);transition:all .22s}

/* ── VALUE COLOUR MODIFIERS ─────────────────────────────────────────────── */
.green,
.red,
.gold,
.teal,
.proforma-val.green,.breakdown-value.green,.result-value.green{color:var(--green)}
.proforma-val.red,.breakdown-value.red,.result-value.red{color:var(--red)}
.proforma-val.gold,.breakdown-value.gold{color:var(--gold)}
.diff
.diff

/* ── GLOBAL POLISH ─────────────────────────────────────────────────────────── */
html{scroll-behavior:smooth;height:100%;overflow:hidden}
::selection{background:var(--gold-dim);color:var(--text)}
::-webkit-scrollbar{width:6px;height:6px}
::-webkit-scrollbar-track{background:transparent}
::-webkit-scrollbar-thumb{background:var(--border2);border-radius:3px}
::-webkit-scrollbar-thumb:hover{background:var(--text-light)}
/* Focusable elements accessible ring */
button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
/* Panel title fade-in on calc switch */
.calc-panel.active .panel-title{animation:titleIn .25s ease both}
@keyframes titleIn{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}
/* Sidebar user badge */

/* Wiz section divider label */
.year-stepper{border-radius:var(--radius-md)}
/* Rate input inline */

/* Wiz section divider label */
.wiz-section-label{margin-top:20px;padding-top:16px;border-top:1px solid var(--border);display:block}
/* Profile panel */
.profile-panel{border-radius:var(--radius-lg)}
/* Saved goals panel */
.saved-goals-panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:18px;margin-bottom:20px;display:none}
.saved-goals-panel.open{display:block}

/* ── DARK MODE ─────────────────────────────────────────────────────────────── */
[data-theme="dark"]{
  --bg:#13120e;
  --surface:#1c1a14;
  --surface2:#242118;
  --surface3:#2c2921;
  --border:#2e2b20;
  --border2:#3a362a;
  --gold:#c9a84c;
  --gold-mid:#d4b84a;
  --gold-light:#e0ca7a;
  --on-gold:#13120e;
  --gold-dim:rgba(201,168,76,.15);
  --gold-dim2:rgba(201,168,76,.08);
  --text:#f0ece0;
  --text-muted:#9c9078;
  --text-dim:#6e6454;
  --text-light:#4a4338;
  --green:#4ade80;
  --green-dim:rgba(74,222,128,.08);
  --red:#f87171;
  --red-dim:rgba(248,113,113,.08);
  --teal:#2dd4bf;
  --shadow-sm:0 1px 3px rgba(0,0,0,.3),0 1px 2px rgba(0,0,0,.2);
  --shadow-md:0 4px 12px rgba(0,0,0,.4),0 2px 4px rgba(0,0,0,.3);
  --shadow-lg:0 12px 32px rgba(0,0,0,.5),0 4px 8px rgba(0,0,0,.4);
}
[data-theme="dark"] body::before{opacity:.6}
[data-theme="dark"] body{background:var(--bg)}
[data-theme="dark"] select option{background:var(--surface)}

[data-theme="dark"] .modal-backdrop{background:rgba(0,0,0,.7)}

/* Dark mode: header/wiz backgrounds */
[data-theme="dark"] header{background:rgba(28,26,20,.97)}
[data-theme="dark"] .wiz-header{background:rgba(28,26,20,.97)}
[data-theme="dark"] #wizard-overlay{background:var(--bg)}
[data-theme="dark"] .login-box{background:#1c1a14}

/* Dark mode: table header */
[data-theme="dark"] th{background:var(--surface2)}
[data-theme="dark"] tr:hover td{background:var(--gold-dim2)}

/* Dark mode: scrollbar */
[data-theme="dark"] ::-webkit-scrollbar-thumb{background:var(--border2)}

/* ── THEME TOGGLE BUTTON ────────────────────────────────────────────────── */
.theme-toggle{display:flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:var(--radius-md);border:1px solid var(--border);background:var(--surface);color:var(--text-muted);cursor:pointer;transition:all .2s;flex-shrink:0}
.theme-toggle:hover{border-color:var(--gold-light);color:var(--gold);background:var(--gold-dim)}
.theme-toggle svg{width:13px;height:13px;transition:transform .4s cubic-bezier(.4,0,.2,1)}
.theme-toggle:hover svg{transform:rotate(20deg)}
.theme-toggle .icon-sun{display:none}
.theme-toggle .icon-moon{display:block}
[data-theme="dark"] .theme-toggle .icon-sun{display:block}
[data-theme="dark"] .theme-toggle .icon-moon{display:none}

/* Smooth theme transitions — applied only to non-animated elements */
body,header,.sidebar,.nav-item,.card,.result-card,.dash-tile,.proforma-card,.tier-tile,.wiz-input,input,select,.toolbar-btn,.chip,.mode-tab,.goal-card,.subgoal-chip,.plan-calc-btn,.theme-toggle{transition:background-color .22s ease,border-color .22s ease,color .18s ease,box-shadow .2s ease}

/* ── PRINT / PDF EXPORT — must be LAST so it overrides all above rules ────── */
@media(max-width:480px){.header-btn-label{display:none}}
@media print{
  *{-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important}
  body{background:#fff!important}
  body::before{display:none!important}
  #splash,#wizard-overlay,#login-overlay,#contact-modal{display:none!important;visibility:hidden!important}
  .sidebar{display:none!important}
  header{position:relative!important;background:#1a1710!important;color:#e8c96a!important;padding:14px 28px!important;border-bottom:2px solid #c9a84c!important;margin-bottom:0!important}
  .logo{color:#c9a84c!important}
  .main{display:block!important}
  .content{padding:20px 28px!important;overflow:visible!important}
  .calc-panel{display:none!important}
  .calc-panel
    .toolbar,.profile-panel,.compare-banner{display:none!important}
  .card,.result-card{background:#f9f7f4!important;border:1px solid #e2ddd4!important;break-inside:avoid!important}
  @page{margin:15mm 15mm 20mm 15mm;size:A4}
}

/* ── Utility classes (extracted from repeated inline styles) ── */
.u-mono-xs{font-family:'DM Mono',monospace;font-size:11px;color:var(--text-muted)}
.u-mono-sm{font-family:'DM Mono',monospace;font-size:13px;color:var(--text)}
.u-label{font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;font-size:13px;color:var(--text)}
.u-label-sm{font-family:'Plus Jakarta Sans',sans-serif;font-size:12px;color:var(--text-muted)}
.u-serif-lg{font-family:'DM Serif Display',serif;font-size:19px;color:var(--text);margin-bottom:8px}
.u-mono-body{font-size:13px;color:var(--text-muted);font-family:'DM Mono',monospace;line-height:1.6}
.u-mono-bold{font-family:'DM Mono',monospace;font-size:14px;font-weight:700;color:var(--text)}
.u-divider-row{padding:7px 0;border-bottom:1px solid var(--border)}
.u-gold-xs{font-size:11px;color:var(--gold);font-family:'DM Mono',monospace}
.u-sub-divider{border-top:1px solid var(--border);margin-top:4px;padding-top:16px}
.btn-ghost{display:flex;align-items:center;gap:5px;padding:8px 14px;border-radius:8px;border:1px solid var(--border2);background:var(--surface);color:var(--text-muted);font-family:'DM Mono',monospace;font-size:13px;cursor:pointer;transition:all .2s}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn-ghost-neutral{display:flex;align-items:center;gap:5px;padding:8px 14px;border-radius:8px;border:1px solid var(--border2);background:var(--surface);color:var(--text-muted);font-family:'DM Mono',monospace;font-size:13px;cursor:pointer;transition:all .2s}
.btn-ghost-neutral:hover{border-color:var(--border2);color:var(--text)}

/* Loading skeleton */
.dash-skeleton{pointer-events:none}
.dash-skeleton #dash-key-numbers,.dash-skeleton #dash-insights,.dash-skeleton #dash-proforma,.dash-skeleton #dash-budget{
  position:relative;overflow:hidden;min-height:80px;background:var(--surface2);border-radius:var(--radius-md);margin-bottom:16px
}
.dash-skeleton #dash-key-numbers::after,.dash-skeleton #dash-insights::after,.dash-skeleton #dash-proforma::after,.dash-skeleton #dash-budget::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(90deg,transparent 0%,rgba(255,255,255,.06) 50%,transparent 100%);
  animation:shimmer 1.4s infinite
}
@keyframes shimmer{from{transform:translateX(-100%)}to{transform:translateX(100%)}}