:root {
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: #21312f;
  background: #f2f0e8;
  font-synthesis: none;
  text-rendering: optimizeLegibility;
  --ink: #21312f;
  --muted: #6f7a77;
  --deep: #173b37;
  --deep-2: #24534c;
  --cream: #f7f5ef;
  --paper: #fffdf8;
  --line: #deddd5;
  --gold: #d49243;
  --gold-soft: #f5e6cc;
  --green: #2d735f;
  --green-soft: #dcece5;
  --red: #b44e45;
  --red-soft: #f7dfdc;
  --blue: #496b83;
  --blue-soft: #e3edf3;
  --shadow: 0 18px 50px rgba(31, 56, 51, .08);
  --sidebar: 248px;
}

* { box-sizing: border-box; }
html { min-width: 320px; background: #f2f0e8; }
body { margin: 0; min-width: 320px; min-height: 100vh; background: radial-gradient(circle at 90% 0%, rgba(212,146,67,.10), transparent 26rem), #f2f0e8; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
button:disabled { cursor: not-allowed; opacity: .55; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { letter-spacing: -.03em; }
p { line-height: 1.62; }
code { background: #edf0ec; border-radius: 6px; padding: 2px 6px; font-size: .9em; }

.app-shell { min-height: 100vh; display: grid; grid-template-columns: var(--sidebar) 1fr; transition: grid-template-columns .25s ease; }
.app-shell.is-collapsed { --sidebar: 78px; }
.sidebar { position: sticky; top: 0; height: 100vh; z-index: 50; padding: 22px 16px; background: var(--deep); color: #fff; display: flex; flex-direction: column; overflow: hidden; }
.brand-row { display: flex; align-items: center; gap: 12px; min-height: 48px; padding: 0 7px; white-space: nowrap; }
.brand-row > div:nth-child(2) { display: grid; gap: 2px; }
.brand-row strong { font-size: 17px; letter-spacing: -.02em; }
.brand-row span { font-size: 11px; color: rgba(255,255,255,.62); text-transform: uppercase; letter-spacing: .12em; }
.brand-mark { flex: 0 0 42px; height: 42px; border-radius: 14px; display: grid; place-items: center; background: var(--gold); color: #fff; box-shadow: 0 8px 24px rgba(0,0,0,.16); }
.sidebar nav { display: grid; gap: 5px; margin-top: 30px; }
.sidebar nav button { min-height: 45px; border: 0; border-radius: 12px; padding: 0 13px; display: flex; gap: 12px; align-items: center; background: transparent; color: rgba(255,255,255,.68); font-weight: 650; text-align: left; white-space: nowrap; transition: .18s ease; }
.sidebar nav button:hover { background: rgba(255,255,255,.07); color: #fff; }
.sidebar nav button.active { color: #fff; background: rgba(255,255,255,.12); box-shadow: inset 3px 0 var(--gold); }
.is-collapsed .sidebar nav button { justify-content: center; padding: 0; }
.is-collapsed .sidebar nav span, .is-collapsed .brand-row > div:nth-child(2) { display: none; }
.sidebar-footer { margin-top: auto; display: grid; gap: 12px; }
.privacy-note { padding: 13px; display: flex; gap: 10px; align-items: flex-start; border: 1px solid rgba(255,255,255,.1); border-radius: 14px; background: rgba(255,255,255,.06); }
.privacy-note div { display: grid; gap: 3px; }
.privacy-note strong { font-size: 12px; }
.privacy-note span { font-size: 11px; color: rgba(255,255,255,.58); line-height: 1.35; }
.collapse-button { width: 100%; height: 38px; border: 0; border-radius: 10px; background: rgba(255,255,255,.07); color: #fff; display: grid; place-items: center; }
.mobile-close { display: none !important; margin-left: auto; color: #fff !important; }

.content-shell { min-width: 0; }
.topbar { min-height: 94px; padding: 20px clamp(20px, 4vw, 52px); display: flex; align-items: center; gap: 14px; justify-content: space-between; border-bottom: 1px solid rgba(33,49,47,.08); background: rgba(242,240,232,.82); backdrop-filter: blur(15px); position: sticky; top: 0; z-index: 35; }
.topbar h1 { margin: 2px 0 0; font-size: clamp(24px, 3vw, 32px); color: var(--deep); }
.eyebrow { color: var(--muted); text-transform: uppercase; letter-spacing: .12em; font-size: 10px; font-weight: 800; }
.topbar-actions { display: flex; align-items: center; gap: 12px; }
.month-chip { padding: 9px 13px; border: 1px solid var(--line); border-radius: 999px; background: rgba(255,255,255,.55); color: var(--muted); font-size: 13px; font-weight: 700; }
.menu-button { display: none !important; }
main { padding: 28px clamp(18px, 4vw, 52px) 60px; max-width: 1640px; margin: 0 auto; }
.page-stack { display: grid; gap: 22px; }

.card { background: rgba(255,253,248,.92); border: 1px solid rgba(76,96,91,.11); border-radius: 20px; box-shadow: 0 10px 35px rgba(35,57,52,.045); padding: 22px; }
.section-heading { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; margin-bottom: 20px; }
.section-heading h2 { margin: 4px 0 0; font-size: 20px; color: var(--deep); }
.muted { color: var(--muted); }
.negative { color: var(--red) !important; }
.warning { color: var(--gold) !important; }
.full { width: 100%; justify-content: center; }
.compact { min-height: 38px !important; padding: 0 13px !important; }

.button { border: 0; border-radius: 11px; min-height: 44px; padding: 0 17px; display: inline-flex; align-items: center; justify-content: center; gap: 8px; font-weight: 760; transition: transform .15s ease, box-shadow .15s ease, background .15s ease; }
.button:hover:not(:disabled) { transform: translateY(-1px); }
.button-primary { background: var(--deep); color: #fff; box-shadow: 0 8px 20px rgba(23,59,55,.16); }
.button-primary:hover { background: var(--deep-2); }
.button-secondary { color: var(--deep); background: var(--green-soft); }
.button-ghost { color: var(--muted); background: transparent; }
.button-danger { color: #fff; background: var(--red); }
.text-button { border: 0; padding: 5px; display: flex; align-items: center; gap: 4px; background: transparent; color: var(--green); font-weight: 750; }
.icon-button { width: 36px; height: 36px; border: 0; border-radius: 10px; background: transparent; color: var(--muted); display: inline-grid; place-items: center; }
.icon-button:hover { background: #eceee9; color: var(--deep); }
.icon-button.danger:hover { color: var(--red); background: var(--red-soft); }

.hero-card { overflow: hidden; min-height: 235px; border-radius: 26px; padding: clamp(26px, 4vw, 44px); background: linear-gradient(125deg, var(--deep), #2c6259); color: #fff; display: flex; align-items: center; justify-content: space-between; gap: 30px; position: relative; box-shadow: var(--shadow); }
.hero-card::after { content: ""; position: absolute; width: 350px; height: 350px; border-radius: 50%; right: -90px; top: -180px; border: 55px solid rgba(255,255,255,.045); }
.hero-card h2 { font-size: clamp(30px, 5vw, 48px); margin: 14px 0 12px; max-width: 720px; }
.hero-card p { max-width: 640px; margin: 0; color: rgba(255,255,255,.72); }
.hero-kicker { display: inline-flex; align-items: center; gap: 7px; color: #f2d2a3; font-size: 12px; text-transform: uppercase; letter-spacing: .12em; font-weight: 800; }
.hero-ring { --value: 0%; flex: 0 0 154px; width: 154px; height: 154px; border-radius: 50%; display: grid; place-items: center; background: conic-gradient(var(--gold) var(--value), rgba(255,255,255,.12) 0); position: relative; z-index: 1; }
.hero-ring::after { content: ""; position: absolute; inset: 12px; border-radius: 50%; background: var(--deep-2); }
.hero-ring > div { position: relative; z-index: 1; display: grid; text-align: center; }
.hero-ring strong { font-size: 30px; }
.hero-ring span { font-size: 11px; color: rgba(255,255,255,.68); text-transform: uppercase; letter-spacing: .08em; }

.kpi-grid { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 16px; }
.kpi-grid.three { grid-template-columns: repeat(3, minmax(0,1fr)); }
.kpi { display: grid; grid-template-columns: 44px 1fr; column-gap: 13px; align-items: center; padding: 18px; }
.kpi-icon { grid-row: span 3; width: 44px; height: 44px; border-radius: 14px; display: grid; place-items: center; color: var(--green); background: var(--green-soft); }
.kpi span { color: var(--muted); font-size: 12px; font-weight: 750; }
.kpi strong { color: var(--deep); font-size: clamp(20px, 2.3vw, 28px); margin: 3px 0; }
.kpi small { display: flex; align-items: center; gap: 4px; color: var(--muted); }

.dashboard-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 18px; }
.span-2 { grid-column: span 2; }
.allocation-list { display: grid; gap: 22px; }
.allocation-row { display: grid; grid-template-columns: minmax(150px, .7fr) 1fr; gap: 20px; align-items: center; }
.allocation-row > div:first-child { display: grid; gap: 4px; }
.allocation-row strong { font-size: 14px; }
.allocation-row span { color: var(--muted); font-size: 12px; }
.progress-wrap { display: grid; gap: 5px; grid-template-columns: 1fr auto; align-items: center; }
.progress-track { height: 8px; background: #e5e7e1; border-radius: 999px; overflow: hidden; }
.progress-track span { display: block; width: 0; height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--green), #62a085); }
.progress-label { color: var(--muted); font-size: 11px; font-weight: 780; min-width: 34px; text-align: right; }
.insight-list { display: grid; gap: 14px; margin-bottom: 18px; }
.insight-list > div { display: flex; gap: 10px; }
.insight-list > div > span { flex: 0 0 24px; width: 24px; height: 24px; display: grid; place-items: center; border-radius: 8px; color: var(--deep); background: var(--gold-soft); font-size: 11px; font-weight: 850; }
.insight-list p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.5; }
.bill-list { display: grid; gap: 2px; }
.bill-list > div { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 13px 0; border-bottom: 1px solid #e9e8e1; }
.bill-list > div:last-child { border-bottom: 0; }
.bill-list > div > div { display: grid; grid-template-columns: 10px 1fr; column-gap: 9px; }
.bill-list small { color: var(--muted); grid-column: 2; }
.bill-list > div > span { font-weight: 800; color: var(--deep); }
.status-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold); margin-top: 5px; }
.status-dot.scheduled { background: var(--blue); }
.wealth-card { display: grid; grid-template-columns: 1.3fr 1fr; gap: 25px; align-items: center; }
.wealth-card p { color: var(--muted); margin: 8px 0 0; }
.milestone-scale { height: 12px; border-radius: 999px; background: linear-gradient(90deg, var(--green) 0 16%, var(--gold) 16% 50%, #ddd8cb 50%); position: relative; display: flex; justify-content: space-between; margin: 32px 8px 20px; }
.milestone-scale span { position: relative; top: 20px; color: var(--muted); font-size: 10px; font-weight: 750; }
.milestone-scale span::before { content: ""; position: absolute; width: 3px; height: 18px; background: #fff; top: -28px; left: 50%; }
.milestone-scale span.reached { color: var(--green); }

.budget-summary { display: grid; grid-template-columns: repeat(3, 1fr) 1.35fr; align-items: center; gap: 22px; }
.budget-summary > div { display: grid; gap: 5px; }
.budget-summary span { color: var(--muted); font-size: 11px; text-transform: uppercase; letter-spacing: .08em; font-weight: 800; }
.budget-summary strong { color: var(--deep); font-size: 23px; }
.summary-progress { padding-left: 20px; border-left: 1px solid var(--line); }
.allocation-targets { display: grid; grid-template-columns: repeat(4,1fr); gap: 12px; }
.allocation-targets > div { background: rgba(255,255,255,.48); border: 1px solid var(--line); border-radius: 16px; padding: 15px; display: grid; gap: 5px; }
.allocation-targets span { font-size: 11px; color: var(--muted); }
.allocation-targets strong { font-size: 15px; color: var(--deep); }
.allocation-targets small { color: var(--muted); }
.budget-group { padding: 0; overflow: hidden; }
.budget-group-header { padding: 22px; display: flex; align-items: center; justify-content: space-between; gap: 15px; border-bottom: 1px solid var(--line); }
.budget-group-header h2 { font-size: 20px; margin: 9px 0 0; }
.budget-group-header h2 span { color: var(--muted); font-weight: 500; font-size: 14px; }
.group-chip { display: inline-flex; padding: 5px 9px; border-radius: 8px; font-size: 10px; text-transform: uppercase; letter-spacing: .09em; font-weight: 850; }
.group-chip.giving { background: var(--gold-soft); color: #875b24; }
.group-chip.future { background: var(--blue-soft); color: var(--blue); }
.group-chip.needs { background: var(--green-soft); color: var(--green); }
.group-chip.flex { background: #ece5f4; color: #76558a; }
.budget-table-head, .budget-table-row { display: grid; grid-template-columns: minmax(260px, 2fr) repeat(3, minmax(90px,.7fr)) minmax(100px,.7fr) 82px; gap: 14px; align-items: center; }
.budget-table-head { padding: 10px 22px; color: var(--muted); background: #f7f7f2; font-size: 10px; text-transform: uppercase; letter-spacing: .08em; font-weight: 850; }
.budget-table-row { min-height: 77px; padding: 13px 22px; border-top: 1px solid #ecebe5; }
.budget-table-row:first-of-type { border-top: 0; }
.budget-table-row > div:first-child { display: grid; gap: 4px; }
.budget-table-row strong { font-size: 14px; }
.budget-table-row small { color: var(--muted); }
.budget-table-row .progress-wrap { margin-top: 4px; max-width: 190px; display: block; }
.status-pill { border: 0; border-radius: 999px; padding: 6px 9px; display: inline-flex; align-items: center; gap: 4px; font-size: 10px; text-transform: capitalize; font-weight: 800; }
.status-pill.pending { background: var(--gold-soft); color: #80551e; }
.status-pill.scheduled { background: var(--blue-soft); color: var(--blue); }
.status-pill.paid { background: var(--green-soft); color: var(--green); }
.row-actions { display: flex; justify-content: flex-end; }

.toolbar { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; }
.search-box { flex: 1 1 260px; min-height: 43px; display: flex; align-items: center; gap: 9px; border: 1px solid var(--line); border-radius: 11px; padding: 0 12px; background: #fff; color: var(--muted); }
.search-box input { min-width: 0; width: 100%; border: 0; outline: 0; color: var(--ink); }
.segmented { display: flex; padding: 4px; background: #eceee9; border-radius: 11px; }
.segmented button { border: 0; min-height: 34px; padding: 0 11px; border-radius: 8px; background: transparent; color: var(--muted); font-size: 12px; font-weight: 750; }
.segmented button.active { background: #fff; color: var(--deep); box-shadow: 0 3px 8px rgba(0,0,0,.06); }
.transaction-card { padding: 0; overflow: hidden; }
.transaction-head, .transaction-row { display: grid; grid-template-columns: 85px minmax(240px,2fr) minmax(140px,1fr) minmax(100px,.7fr) minmax(110px,.7fr) 44px; gap: 16px; align-items: center; }
.transaction-head { padding: 12px 22px; background: #f7f7f2; color: var(--muted); font-size: 10px; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.transaction-row { min-height: 68px; padding: 11px 22px; border-top: 1px solid #ecebe5; color: var(--muted); font-size: 13px; }
.transaction-description { display: flex; align-items: center; gap: 11px; }
.transaction-description > div { display: grid; gap: 2px; }
.transaction-description strong { color: var(--ink); }
.transaction-icon { flex: 0 0 34px; width: 34px; height: 34px; display: grid; place-items: center; border-radius: 11px; }
.transaction-icon.income { color: var(--green); background: var(--green-soft); }
.transaction-icon.expense { color: var(--red); background: var(--red-soft); }
.transaction-row > strong.income { color: var(--green); }
.transaction-row > strong.expense { color: var(--ink); }

.strategy-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.strategy-grid h2 { margin: 7px 0 9px; }
.strategy-grid p { color: var(--muted); font-size: 13px; }
.strategy-stat { display: grid; gap: 3px; padding-top: 15px; border-top: 1px solid var(--line); }
.strategy-stat strong { font-size: 24px; color: var(--deep); }
.strategy-stat span { color: var(--muted); font-size: 12px; }
.strategy-advice { color: #fff; background: linear-gradient(145deg, var(--deep), var(--deep-2)); }
.strategy-advice p { color: rgba(255,255,255,.68); }
.debt-list { display: grid; grid-template-columns: repeat(3,1fr); gap: 15px; }
.debt-card { padding: 18px; border: 1px solid var(--line); border-radius: 16px; background: #fff; }
.debt-top { display: flex; justify-content: space-between; gap: 12px; }
.debt-top > div { display: grid; gap: 3px; }
.debt-top span { color: var(--muted); font-size: 11px; }
.debt-card h3 { font-size: 28px; margin: 18px 0; color: var(--deep); }
.debt-details { display: flex; justify-content: space-between; margin-top: 15px; padding-top: 12px; border-top: 1px solid var(--line); color: var(--muted); font-size: 11px; }
.debt-details span { display: grid; gap: 3px; }
.debt-details strong { color: var(--ink); }

.goal-intro { display: flex; justify-content: space-between; align-items: center; gap: 20px; background: linear-gradient(110deg, var(--paper), #f8ead5); }
.goal-intro h2 { margin: 6px 0; font-size: 28px; color: var(--deep); }
.goal-intro p { margin: 0; color: var(--muted); }
.goals-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.goal-card-top { display: flex; justify-content: space-between; align-items: center; }
.goal-kind { display: inline-flex; align-items: center; gap: 5px; padding: 6px 9px; border-radius: 9px; background: var(--green-soft); color: var(--green); text-transform: capitalize; font-size: 10px; font-weight: 850; }
.goal-kind.emergency { background: var(--red-soft); color: var(--red); }
.goal-kind.education { background: var(--blue-soft); color: var(--blue); }
.goal-kind.giving { background: var(--gold-soft); color: #875b24; }
.goal-card h2 { margin: 18px 0 14px; font-size: 20px; }
.goal-value { display: flex; align-items: baseline; gap: 6px; margin-bottom: 13px; }
.goal-value strong { font-size: 27px; color: var(--deep); }
.goal-value span { color: var(--muted); font-size: 12px; }
.goal-meta { display: grid; gap: 8px; margin-top: 18px; color: var(--muted); font-size: 12px; }
.goal-meta span { display: flex; align-items: center; gap: 7px; }

.notice-card { display: flex; gap: 12px; align-items: baseline; background: var(--gold-soft); border-color: #ebcc9f; }
.notice-card strong { color: #764f1f; white-space: nowrap; }
.notice-card p { color: #7c6548; margin: 0; font-size: 13px; }
.investment-list { display: grid; }
.investment-row { min-height: 76px; display: grid; grid-template-columns: 42px minmax(200px,1.7fr) repeat(3,minmax(110px,1fr)) 42px; gap: 14px; align-items: center; border-top: 1px solid var(--line); }
.investment-row:first-child { border-top: 0; }
.investment-icon { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 12px; background: var(--green-soft); color: var(--green); }
.investment-row > div:nth-child(2), .investment-row > div:nth-child(n+3) { display: grid; gap: 3px; }
.investment-row span { color: var(--muted); font-size: 10px; text-transform: capitalize; }
.investment-row strong { font-size: 13px; }

.coach-layout { display: grid; grid-template-columns: minmax(0,2fr) minmax(290px,.8fr); gap: 20px; align-items: start; }
.coach-main { min-height: calc(100vh - 180px); background: var(--paper); border: 1px solid rgba(76,96,91,.11); border-radius: 24px; box-shadow: var(--shadow); padding: clamp(22px,4vw,36px); display: flex; flex-direction: column; }
.coach-hero { display: flex; align-items: flex-start; gap: 18px; }
.coach-avatar { flex: 0 0 60px; width: 60px; height: 60px; display: grid; place-items: center; border-radius: 19px; background: var(--deep); color: #fff; box-shadow: 0 10px 25px rgba(23,59,55,.18); }
.coach-hero h2 { margin: 6px 0 6px; font-size: 27px; color: var(--deep); }
.coach-hero p { color: var(--muted); margin: 0; font-size: 13px; max-width: 760px; }
.prompt-chips { display: flex; gap: 8px; flex-wrap: wrap; margin: 26px 0 16px; }
.prompt-chips button { border: 1px solid var(--line); border-radius: 999px; padding: 8px 11px; display: flex; align-items: center; gap: 6px; background: #fff; color: var(--deep); font-size: 11px; font-weight: 750; }
.prompt-chips button:hover { border-color: var(--green); background: var(--green-soft); }
.chat-answer { flex: 1; min-height: 330px; border-radius: 18px; background: #f4f5f0; padding: 24px; overflow: auto; }
.coach-placeholder, .loading-state { min-height: 280px; display: grid; place-items: center; align-content: center; text-align: center; color: var(--muted); }
.coach-placeholder h3 { color: var(--deep); margin: 12px 0 5px; }
.coach-placeholder p { margin: 0; }
.loading-state { gap: 10px; }
.spin { animation: spin 1.1s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.answer-content { max-width: 820px; }
.answer-content p { margin: 0 0 12px; color: #394b48; }
.answer-badge { display: inline-flex; align-items: center; gap: 6px; color: var(--green); background: var(--green-soft); padding: 6px 9px; border-radius: 9px; font-size: 10px; font-weight: 850; margin-bottom: 16px; }
.error-panel { padding: 20px; border: 1px solid #e2b4ae; border-radius: 14px; background: var(--red-soft); color: #713b36; }
.error-panel p:last-child { margin-bottom: 0; }
.coach-input { display: grid; grid-template-columns: 1fr auto; align-items: end; gap: 12px; padding-top: 16px; }
.coach-input textarea { resize: vertical; }
.coach-sidebar { display: grid; gap: 16px; }
.local-signals { display: grid; gap: 13px; }
.local-signals > div { display: flex; align-items: flex-start; gap: 9px; color: var(--green); }
.local-signals p { margin: 0; color: var(--muted); font-size: 12px; line-height: 1.5; }
.coach-disclaimer { background: var(--deep); color: #fff; }
.coach-disclaimer p { color: rgba(255,255,255,.65); margin-bottom: 0; font-size: 12px; }

.settings-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 18px; align-items: start; }
.settings-form { margin-top: 8px; }
.allocation-settings { display: grid; gap: 18px; margin-top: 24px; }
.allocation-settings label { display: grid; gap: 8px; }
.allocation-settings label > span { font-size: 12px; font-weight: 750; }
.allocation-settings label > div { display: grid; grid-template-columns: 1fr 42px; gap: 12px; align-items: center; }
.allocation-settings input[type="range"] { accent-color: var(--green); width: 100%; }
.settings-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.settings-message { margin: 12px 0 0; color: var(--green); font-size: 12px; }
.danger-zone { grid-column: span 2; display: flex; justify-content: space-between; gap: 20px; align-items: center; border-color: #e7c0bb; }
.danger-zone h2 { margin: 5px 0; }
.danger-zone p { margin: 0; color: var(--muted); }

.form-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; padding: 4px 0; }
.form-grid label { display: grid; gap: 7px; color: var(--muted); font-size: 11px; font-weight: 780; }
.form-grid input, .form-grid select, .form-grid textarea, .coach-input textarea { width: 100%; border: 1px solid var(--line); border-radius: 11px; background: #fff; color: var(--ink); outline: 0; padding: 11px 12px; min-height: 43px; }
.form-grid input:focus, .form-grid select:focus, .form-grid textarea:focus, .coach-input textarea:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(45,115,95,.1); }
.form-grid .span-2 { grid-column: span 2; }
.form-actions { display: flex; justify-content: flex-end; gap: 10px; padding-top: 8px; }
.modal-backdrop { position: fixed; inset: 0; z-index: 100; padding: 20px; display: grid; place-items: center; background: rgba(15,31,28,.48); backdrop-filter: blur(5px); }
.modal { width: min(620px,100%); max-height: calc(100vh - 40px); overflow: auto; padding: 24px; border-radius: 22px; background: var(--paper); box-shadow: 0 30px 90px rgba(0,0,0,.22); animation: rise .18s ease-out; }
@keyframes rise { from { transform: translateY(8px); opacity: .6; } }
.modal header { display: flex; align-items: center; justify-content: space-between; gap: 15px; margin-bottom: 20px; }
.modal h2 { margin: 0; color: var(--deep); }
.empty-state { padding: 60px 25px; text-align: center; display: grid; place-items: center; }
.empty-icon { width: 56px; height: 56px; display: grid; place-items: center; border-radius: 18px; background: var(--green-soft); color: var(--green); }
.empty-state h3 { margin: 14px 0 6px; }
.empty-state p { color: var(--muted); max-width: 430px; }
.mobile-nav { display: none; }

@media (max-width: 1180px) {
  .kpi-grid { grid-template-columns: repeat(2,1fr); }
  .dashboard-grid { grid-template-columns: repeat(2,1fr); }
  .dashboard-grid .span-2 { grid-column: span 2; }
  .dashboard-grid > .card:not(.span-2) { grid-column: span 1; }
  .budget-table-head, .budget-table-row { grid-template-columns: minmax(210px,2fr) repeat(3,90px) 92px 72px; }
  .strategy-grid, .goals-grid, .debt-list { grid-template-columns: repeat(2,1fr); }
  .strategy-advice { grid-column: span 2; }
  .investment-row { grid-template-columns: 42px minmax(180px,1.5fr) repeat(2,110px) 42px; }
  .investment-row > div:nth-child(5) { display: none; }
}

@media (max-width: 900px) {
  .app-shell, .app-shell.is-collapsed { display: block; }
  .sidebar { position: fixed; left: 0; top: 0; width: min(310px,88vw); transform: translateX(-105%); transition: transform .22s ease; box-shadow: 20px 0 70px rgba(0,0,0,.25); }
  .sidebar.mobile-open { transform: translateX(0); }
  .mobile-close, .menu-button { display: inline-grid !important; }
  .collapse-button { display: none; }
  .topbar { min-height: 82px; padding: 15px 20px; }
  .topbar > div:nth-child(2) { margin-right: auto; }
  .topbar-actions .month-chip { display: none; }
  .topbar h1 { font-size: 22px; }
  main { padding: 20px 18px 90px; }
  .hero-card { min-height: 210px; }
  .hero-ring { flex-basis: 126px; width: 126px; height: 126px; }
  .budget-summary { grid-template-columns: repeat(3,1fr); }
  .summary-progress { grid-column: span 3; padding: 15px 0 0; border: 0; border-top: 1px solid var(--line); }
  .allocation-targets { grid-template-columns: repeat(2,1fr); }
  .budget-group { overflow-x: auto; }
  .budget-group-header { min-width: 820px; }
  .budget-table { min-width: 820px; }
  .transaction-card { overflow-x: auto; }
  .transaction-table { min-width: 900px; }
  .coach-layout { grid-template-columns: 1fr; }
  .coach-main { min-height: auto; }
  .settings-grid { grid-template-columns: 1fr; }
  .danger-zone { grid-column: auto; }
  .mobile-nav { position: fixed; left: 12px; right: 12px; bottom: 10px; z-index: 40; height: 66px; display: grid; grid-template-columns: repeat(5,1fr); padding: 6px; border: 1px solid rgba(255,255,255,.5); border-radius: 18px; background: rgba(23,59,55,.94); backdrop-filter: blur(12px); box-shadow: 0 12px 35px rgba(0,0,0,.2); }
  .mobile-nav button { border: 0; border-radius: 12px; display: grid; place-items: center; align-content: center; gap: 3px; background: transparent; color: rgba(255,255,255,.58); font-size: 8px; }
  .mobile-nav button.active { color: #fff; background: rgba(255,255,255,.11); }
}

@media (max-width: 680px) {
  .topbar-actions .button { width: 42px; padding: 0; overflow: hidden; color: transparent; gap: 0; }
  .topbar-actions .button svg { color: #fff; flex: 0 0 auto; }
  .hero-card { display: block; min-height: 250px; }
  .hero-card h2 { font-size: 32px; }
  .hero-ring { position: absolute; right: 20px; bottom: 20px; width: 96px; height: 96px; }
  .hero-ring::after { inset: 8px; }
  .hero-ring strong { font-size: 21px; }
  .hero-ring span { font-size: 8px; }
  .hero-card p { padding-right: 95px; font-size: 12px; }
  .kpi-grid, .kpi-grid.three { grid-template-columns: 1fr; }
  .dashboard-grid { grid-template-columns: 1fr; }
  .dashboard-grid .span-2, .dashboard-grid > .card:not(.span-2) { grid-column: auto; }
  .allocation-row { grid-template-columns: 1fr; gap: 8px; }
  .wealth-card { grid-template-columns: 1fr; }
  .allocation-targets { grid-template-columns: 1fr; }
  .budget-summary { grid-template-columns: 1fr 1fr; }
  .summary-progress { grid-column: span 2; }
  .strategy-grid, .goals-grid, .debt-list { grid-template-columns: 1fr; }
  .strategy-advice { grid-column: auto; }
  .goal-intro, .danger-zone, .notice-card { align-items: flex-start; flex-direction: column; }
  .investment-list { overflow-x: auto; }
  .investment-row { min-width: 700px; }
  .coach-input { grid-template-columns: 1fr; }
  .coach-input .button { width: 100%; }
  .form-grid { grid-template-columns: 1fr; }
  .form-grid .span-2 { grid-column: auto; }
  .modal { padding: 20px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; scroll-behavior: auto !important; transition-duration: .01ms !important; }
}
.nav-icon, .glyph { width: 22px; text-align: center; font-size: 19px; line-height: 1; }
.brand-mark .glyph { font-size: 24px; }
.button .glyph { width: auto; font-size: 16px; }
.kpi-icon .glyph { font-size: 22px; }
.section-heading > .glyph { color: var(--green); }
.sidebar-overlay { display: none; }
.toast { position: fixed; z-index: 120; right: 24px; bottom: 24px; max-width: min(390px, calc(100vw - 48px)); padding: 13px 16px; border-radius: 13px; background: var(--deep); color: white; box-shadow: 0 16px 45px rgba(0,0,0,.2); font-size: 13px; animation: rise .18s ease-out; }
.inline-input { width: 110px; border: 1px solid var(--line); border-radius: 9px; padding: 8px; background: white; }
.category-icon { width: 30px; height: 30px; border-radius: 9px; display: inline-grid; place-items: center; margin-right: 8px; background: var(--green-soft); color: var(--green); vertical-align: middle; }
.ai-copy { white-space: pre-wrap; }
@media (max-width: 900px) {
  .sidebar-overlay { position: fixed; inset: 0; z-index: 45; display: block; background: rgba(12,25,23,.42); opacity: 0; pointer-events: none; transition: opacity .2s ease; }
  .sidebar-overlay.open { opacity: 1; pointer-events: auto; }
}

/* Guided simple mode */
.simple-home { max-width: 1080px; margin: 0 auto; }
.simple-hero { padding: clamp(24px, 5vw, 42px); border-radius: 26px; background: linear-gradient(135deg, var(--deep), #2d665c); color: #fff; box-shadow: var(--shadow); }
.simple-hero > span { display: block; color: #f3d6ae; font-size: 13px; font-weight: 850; text-transform: uppercase; letter-spacing: .1em; }
.simple-hero h2 { margin: 10px 0 8px; font-size: clamp(36px, 8vw, 62px); line-height: 1.05; }
.simple-hero p { max-width: 620px; margin: 0; color: rgba(255,255,255,.78); font-size: 16px; }
.simple-actions-card { padding: clamp(20px, 4vw, 30px); }
.simple-heading { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; margin-bottom: 20px; }
.simple-heading h2 { margin: 5px 0 0; color: var(--deep); font-size: 24px; }
.simple-mode-badge { flex: 0 0 auto; padding: 7px 10px; border-radius: 999px; background: var(--green-soft); color: var(--green); font-size: 11px; font-weight: 850; }
.quick-action-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.quick-action { min-height: 150px; padding: 20px 14px; border: 2px solid transparent; border-radius: 20px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 7px; text-align: center; background: #f7f7f2; color: var(--deep); transition: transform .15s ease, border-color .15s ease, box-shadow .15s ease; }
.quick-action:hover, .quick-action:focus-visible { transform: translateY(-2px); border-color: currentColor; box-shadow: 0 10px 28px rgba(30,54,49,.09); outline: none; }
.quick-action strong { font-size: 17px; }
.quick-action small { max-width: 140px; color: var(--muted); font-size: 12px; line-height: 1.35; }
.quick-icon { width: 54px; height: 54px; border-radius: 17px; display: grid; place-items: center; font-size: 26px; font-weight: 850; background: #fff; box-shadow: 0 6px 18px rgba(0,0,0,.06); }
.quick-action.income { color: var(--green); background: #edf7f1; }
.quick-action.expense { color: var(--red); background: #fff2ef; }
.quick-action.bill { color: var(--blue); background: #eef5f8; }
.quick-action.save { color: #8a642e; background: #fbf1df; }
.simple-money-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; }
.simple-money-card { min-height: 120px; padding: 20px; border-radius: 20px; display: grid; align-content: center; gap: 7px; background: var(--paper); border: 1px solid var(--line); }
.simple-money-card span { color: var(--muted); font-size: 13px; font-weight: 750; }
.simple-money-card strong { color: var(--deep); font-size: clamp(25px,4vw,36px); }
.simple-money-card.income { border-top: 5px solid var(--green); }
.simple-money-card.expense { border-top: 5px solid var(--red); }
.simple-money-card.balance { border-top: 5px solid var(--gold); }
.simple-money-card.negative-card { background: var(--red-soft); }
.simple-panel-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 16px; }
.next-step-card { display: grid; grid-template-columns: 68px 1fr; gap: 18px; align-items: start; background: linear-gradient(135deg, #fffdf8, #f4ead9); }
.next-step-icon { width: 68px; height: 68px; border-radius: 20px; display: grid; place-items: center; background: var(--deep); color: #fff; font-size: 27px; font-weight: 850; }
.next-step-card h2 { margin: 6px 0 8px; color: var(--deep); font-size: 24px; }
.next-step-card p { margin-bottom: 18px; color: var(--muted); }
.simple-bill-list, .simple-activity-list { display: grid; }
.simple-bill-list > div { min-height: 68px; display: flex; align-items: center; justify-content: space-between; gap: 12px; border-top: 1px solid var(--line); }
.simple-bill-list > div:first-child { border-top: 0; }
.simple-bill-list > div > div { display: grid; gap: 4px; }
.simple-bill-list span { color: var(--muted); font-size: 12px; }
.simple-bill-list button { min-height: 42px; padding: 0 13px; border: 0; border-radius: 11px; background: var(--green-soft); color: var(--green); font-weight: 800; }
.simple-activity-list > div { min-height: 66px; display: grid; grid-template-columns: 42px 1fr auto; gap: 12px; align-items: center; border-top: 1px solid var(--line); }
.simple-activity-list > div:first-child { border-top: 0; }
.activity-icon { width: 40px; height: 40px; display: grid; place-items: center; border-radius: 13px; font-size: 19px; font-weight: 850; }
.activity-icon.income { background: var(--green-soft); color: var(--green); }
.activity-icon.expense { background: var(--red-soft); color: var(--red); }
.simple-activity-list > div > div { display: grid; gap: 3px; }
.simple-activity-list small { color: var(--muted); }
.activity-amount { font-size: 15px; }
.activity-amount.income { color: var(--green); }
.simple-empty { margin: 0; padding: 20px 0; color: var(--muted); }
.simple-help-button { min-height: 58px; border: 0; border-radius: 16px; display: flex; align-items: center; justify-content: center; gap: 9px; background: var(--deep); color: #fff; font-weight: 800; font-size: 15px; }
.simple-entry-form .entry-help { margin: 0; padding: 10px 12px; border-radius: 10px; background: var(--green-soft); color: var(--green); font-weight: 700; }
.simple-entry-form .amount-field input { min-height: 62px; font-size: 28px; font-weight: 800; }
.more-details { border-top: 1px solid var(--line); padding-top: 12px; }
.more-details summary { cursor: pointer; color: var(--green); font-size: 12px; font-weight: 800; }
.more-details > div { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 14px; }

@media (max-width: 900px) {
  .quick-action-grid { grid-template-columns: repeat(2,1fr); }
  .simple-panel-grid { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .simple-hero h2 { font-size: 38px; }
  .simple-hero p { font-size: 14px; }
  .quick-action { min-height: 132px; padding: 15px 9px; }
  .quick-action strong { font-size: 15px; }
  .quick-icon { width: 48px; height: 48px; }
  .simple-money-grid { grid-template-columns: 1fr; }
  .simple-money-card { min-height: 92px; grid-template-columns: 1fr auto; align-items: center; }
  .simple-money-card strong { font-size: 25px; }
  .next-step-card { grid-template-columns: 1fr; }
  .next-step-icon { width: 56px; height: 56px; }
  .more-details > div { grid-template-columns: 1fr; }
}