/* ══════════════════════════════════════
   FIRE TRAJECTORY — Financial Planner
   Premium Dark/Light Theme System
══════════════════════════════════════ */

/* ── CSS CUSTOM PROPERTIES ── */
:root {
  /* Backgrounds */
  --bg-primary: #0a0a0a;
  --bg-secondary: #0d0d0d;
  --bg-card: #111111;
  --bg-card-alt: #0f0f0f;
  --bg-input: #0d0d0d;
  --bg-hover: rgba(255, 255, 255, 0.04);
  --bg-elevated: #141414;

  /* Borders */
  --border-primary: rgba(255, 255, 255, 0.11);
  --border-secondary: rgba(255, 255, 255, 0.07);
  --border-accent: rgba(255, 106, 0, 0.28);
  --border-subtle: rgba(255, 255, 255, 0.055);

  /* Text */
  --text-primary: #ebebeb;
  --text-secondary: #b8b8b8;
  --text-muted: #a8a8a8;
  --text-faint: #8c8c8c;
  --text-heading: #ffffff;

  /* Accent */
  --accent-primary: #ff5f10;
  --accent-secondary: #ff7820;
  --accent-tertiary: #ff6a00;
  --accent-gradient: linear-gradient(90deg, #ff4500, #ff8c00, #ffd700, #ff6a00);
  --accent-glow: rgba(255, 95, 16, 0.08);
  --accent-bg: rgba(255, 95, 16, 0.04);
  --accent-bg-strong: #1a0d00;

  /* Status */
  --success: #3de8a0;
  --success-bg: #0a1a0a;
  --success-border: #1a3a1a;
  --danger: #ff4040;
  --danger-bg: #1a0505;
  --danger-border: #3a1010;
  --warning: #ffd700;
  --warning-bg: #1a1500;
  --info: #60b8f5;

  /* Shadows */
  --shadow-card: 0 2px 12px rgba(0, 0, 0, 0.4), 0 0 1px rgba(255, 255, 255, 0.03);
  --shadow-hover: 0 8px 32px rgba(0, 0, 0, 0.5), 0 0 40px rgba(255, 95, 16, 0.04);
  --shadow-elevated: 0 20px 80px rgba(0, 0, 0, 0.95), 0 0 80px rgba(255, 90, 0, 0.08);
  --shadow-subtle: 0 1px 3px rgba(0, 0, 0, 0.3);

  /* Misc */
  --overlay-bg: rgba(0, 0, 0, 0.8);
  --bar-track: #1a1a1a;
  --transition-fast: 0.15s ease;
  --transition-med: 0.25s ease;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
}

/* ── LIGHT THEME ── */
body.light-theme {
  /* Backgrounds */
  --bg-primary: #ffffff;
  --bg-secondary: #f8f8f8;
  --bg-card: #ffffff;
  --bg-card-alt: #f4f4f4;
  --bg-input: #f0f0f0;
  --bg-hover: rgba(0, 0, 0, 0.03);
  --bg-elevated: #f6f6f6;

  /* Borders */
  --border-primary: rgba(0, 0, 0, 0.1);
  --border-secondary: rgba(0, 0, 0, 0.06);
  --border-accent: rgba(232, 85, 0, 0.2);
  --border-subtle: rgba(0, 0, 0, 0.065);

  /* Text */
  --text-primary: #1a1a1a;
  --text-secondary: #505050;
  --text-muted: #707070;
  --text-faint: #999999;
  --text-heading: #111111;

  /* Accent — slightly deeper for contrast on white */
  --accent-primary: #e85500;
  --accent-secondary: #ff6a00;
  --accent-tertiary: #d94e00;
  --accent-gradient: linear-gradient(90deg, #e84500, #ff8000, #ffb800, #ff6a00);
  --accent-glow: rgba(232, 85, 0, 0.06);
  --accent-bg: rgba(232, 85, 0, 0.04);
  --accent-bg-strong: #fff5ee;

  /* Status */
  --success: #0fa860;
  --success-bg: #edfcf3;
  --success-border: #b6ecd0;
  --danger: #e02020;
  --danger-bg: #fef2f2;
  --danger-border: #fecaca;
  --warning: #d49700;
  --warning-bg: #fffceb;
  --info: #2b7fd4;

  /* Shadows */
  --shadow-card: 0 1px 4px rgba(0, 0, 0, 0.06), 0 0 0 1px rgba(0, 0, 0, 0.03);
  --shadow-hover: 0 8px 24px rgba(0, 0, 0, 0.1), 0 2px 6px rgba(0, 0, 0, 0.04);
  --shadow-elevated: 0 20px 60px rgba(0, 0, 0, 0.12), 0 4px 16px rgba(0, 0, 0, 0.06);
  --shadow-subtle: 0 1px 2px rgba(0, 0, 0, 0.05);

  /* Misc */
  --overlay-bg: rgba(0, 0, 0, 0.4);
  --bar-track: #e4e4e4;
}

/* ── LIGHT THEME SIDEBAR OVERRIDES ── */
body.light-theme .sidebar {
  background: #f0f0f0;
  border-right-color: rgba(0, 0, 0, 0.1);
}
body.light-theme .sidebar-brand {
  border-bottom-color: rgba(0, 0, 0, 0.08);
}
body.light-theme .sidebar .tab-btn {
  color: #555555;
}
body.light-theme .sidebar .tab-btn:hover:not(.active) {
  background: rgba(0, 0, 0, 0.05);
  color: #222222;
}
body.light-theme .sidebar .tab-btn.active {
  background: rgba(232, 85, 0, 0.08);
  color: #d94e00;
  border-left-color: #e85500;
}
body.light-theme .nav-section-label {
  color: #999999;
}
body.light-theme .nav-divider {
  background: rgba(0, 0, 0, 0.08);
}
body.light-theme .sidebar-footer {
  border-top-color: rgba(0, 0, 0, 0.08);
}
body.light-theme .sidebar-action-btn {
  color: #666666;
}
body.light-theme .sidebar-action-btn:hover {
  background: rgba(0, 0, 0, 0.06);
  color: #222222;
}

/* ── RESET ── */
* { box-sizing: border-box; margin: 0; padding: 0; }
body {
  background: var(--bg-primary);
  font-family: Arial, sans-serif;
  min-height: 100vh;
  padding-bottom: 60px;
  color: var(--text-primary);
  transition: background var(--transition-med), color var(--transition-med);
}

/* ══════════════════════════════════════
   THEME TOGGLE SWITCH
══════════════════════════════════════ */
.theme-toggle-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  user-select: none;
  flex-shrink: 0;
}
.theme-toggle-label {
  font-size: 12px;
  font-weight: 600;
  font-family: Arial, sans-serif;
  color: var(--text-faint);
  transition: color var(--transition-fast);
  white-space: nowrap;
}
/* Active label = current mode */
#themeLabelDark  { color: var(--text-primary); }
#themeLabelLight { color: var(--text-faint); }
body.light-theme #themeLabelDark  { color: var(--text-faint); }
body.light-theme #themeLabelLight { color: var(--text-primary); }

/* Track */
.theme-switch {
  position: relative;
  width: 46px;
  height: 26px;
  border-radius: 13px;
  background: #2a2a2a;
  border: 1.5px solid rgba(255,255,255,0.1);
  transition: background var(--transition-med), border-color var(--transition-med);
  flex-shrink: 0;
}
body.light-theme .theme-switch {
  background: #ff7820;
  border-color: rgba(200,70,0,0.25);
}

/* Thumb */
.theme-switch-thumb {
  position: absolute;
  top: 3px;
  left: 3px;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: #777777;
  transition: left var(--transition-med), background var(--transition-med), box-shadow var(--transition-med);
  box-shadow: 0 1px 4px rgba(0,0,0,0.5);
}
body.light-theme .theme-switch-thumb {
  left: 23px;
  background: #ffffff;
  box-shadow: 0 1px 4px rgba(0,0,0,0.2);
}

/* Hover feedback */
.theme-toggle-wrap:hover .theme-switch { border-color: rgba(255,120,32,0.5); }
body.light-theme .theme-toggle-wrap:hover .theme-switch { border-color: rgba(200,70,0,0.5); }

/* ══════════════════════════════════════
   LOGIN OVERLAY
══════════════════════════════════════ */
#loginOverlay {
  position: fixed;
  inset: 0;
  background: var(--bg-primary);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.login-box {
  background: var(--bg-card);
  border-radius: 12px;
  max-width: 400px;
  width: 100%;
  box-shadow: var(--shadow-elevated);
  overflow-y: auto;
  max-height: calc(100vh - 48px);
  border: 1px solid var(--border-primary);
}
.login-stripe {
  height: 3px;
  background: var(--accent-gradient);
}
.login-inner {
  padding: 32px 36px 28px;
}
/* Brand */
.login-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 4px;
}
.login-brand-logo {
  display: flex;
  align-items: center;
  justify-content: center;
}
.login-brand-name {
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 18px;
  font-weight: 900;
  letter-spacing: .14em;
  color: var(--text-heading);
}
.login-brand-sub {
  font-size: 10px;
  color: var(--text-faint);
  letter-spacing: .15em;
  text-transform: uppercase;
  font-family: Arial, sans-serif;
  margin-bottom: 24px;
}
/* Mode toggle */
.login-mode-toggle {
  display: flex;
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: 8px;
  padding: 3px;
  margin-bottom: 20px;
  gap: 3px;
}
.login-mode-btn {
  flex: 1;
  padding: 8px 0;
  border: none;
  border-radius: var(--radius-sm);
  font-size: 12px;
  font-family: Arial, sans-serif;
  font-weight: 700;
  cursor: pointer;
  letter-spacing: .08em;
  text-transform: uppercase;
  background: transparent;
  color: var(--text-muted);
  transition: all var(--transition-fast);
}
.login-mode-btn.active {
  background: var(--accent-primary);
  color: #ffffff;
}
.login-sub {
  font-size: 12px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-bottom: 20px;
  line-height: 1.6;
}
.login-field {
  margin-bottom: 14px;
}
.login-field label {
  font-size: 10px;
  font-weight: 700;
  color: var(--text-muted);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  display: block;
  margin-bottom: 5px;
  font-family: Arial, sans-serif;
}
.login-field input {
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-primary);
  font-size: 14px;
  outline: none;
  font-family: Arial, sans-serif;
  background: var(--bg-input);
  color: var(--text-primary);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
.login-field input:focus {
  border-color: var(--accent-tertiary);
  box-shadow: 0 0 0 3px var(--accent-glow);
}
.login-btn {
  width: 100%;
  padding: 14px;
  border-radius: var(--radius-sm);
  background: var(--accent-primary);
  color: #ffffff;
  border: none;
  font-weight: 900;
  cursor: pointer;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 13px;
  margin-top: 6px;
  letter-spacing: .14em;
  text-transform: uppercase;
  transition: background var(--transition-fast), box-shadow var(--transition-fast);
}
.login-btn:hover {
  background: var(--accent-secondary);
  box-shadow: 0 4px 16px rgba(255, 95, 16, 0.25);
}
.login-err {
  font-size: 12px;
  font-family: Arial, sans-serif;
  margin-top: 10px;
  min-height: 18px;
  text-align: center;
}
.login-err.err { color: var(--danger); }
.login-err.ok { color: var(--success); }
.login-loading { opacity: .6; pointer-events: none; }
.login-footer-note {
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--border-secondary);
  font-size: 10px;
  color: var(--text-faint);
  font-family: Arial, sans-serif;
  text-align: center;
  letter-spacing: .05em;
}

/* Remember me row */
.login-remember-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin: 12px 0 14px;
}
.login-remember-label {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  user-select: none;
}
.login-remember-check {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}
.login-remember-box {
  width: 16px;
  height: 16px;
  border: 1.5px solid var(--border-primary);
  border-radius: 4px;
  background: var(--bg-input);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
  position: relative;
}
.login-remember-check:checked + .login-remember-box {
  background: var(--accent-primary);
  border-color: var(--accent-primary);
}
.login-remember-check:checked + .login-remember-box::after {
  content: '\2713';
  position: absolute;
  font-size: 10px;
  font-weight: 900;
  color: #fff;
  line-height: 1;
}
.login-remember-text {
  font-size: 12px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.login-forgot-btn {
  background: none;
  border: none;
  color: var(--accent-secondary);
  font-size: 12px;
  font-family: Arial, sans-serif;
  cursor: pointer;
  padding: 0;
  letter-spacing: .02em;
}
.login-forgot-btn:hover {
  color: var(--accent-primary);
  text-decoration: underline;
}
/* Forgot password panel */
.forgot-divider {
  height: 1px;
  background: var(--border-secondary);
  margin: 16px 0;
}
.forgot-title {
  font-size: 14px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
  margin-bottom: 4px;
}
.forgot-sub {
  font-size: 12px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-bottom: 12px;
  line-height: 1.5;
}

/* ══════════════════════════════════════
   SYNC STATUS
══════════════════════════════════════ */
.sync-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--success);
  flex-shrink: 0;
  transition: background 0.3s;
}
.sync-dot.syncing {
  background: var(--accent-tertiary);
  animation: pulse .8s infinite;
}
.sync-dot.error { background: var(--danger); }
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: .4; } }

/* ══════════════════════════════════════
   LOGOUT BTN
══════════════════════════════════════ */
.logout-btn {
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-primary);
  background: transparent;
  color: var(--accent-secondary);
  font-size: 11px;
  font-family: Arial, sans-serif;
  font-weight: 700;
  cursor: pointer;
  letter-spacing: .5px;
  margin-left: auto;
  transition: all var(--transition-fast);
}
.logout-btn:hover {
  background: var(--accent-bg-strong);
  color: var(--accent-secondary);
  border-color: var(--border-accent);
}

/* ══════════════════════════════════════
   HEADER
══════════════════════════════════════ */
header {
  background: var(--bg-primary);
  color: var(--text-primary);
  padding: 0 32px 0;
  border-bottom: 1px solid var(--border-primary);
  transition: background var(--transition-med), border-color var(--transition-med);
}
.header-stripe {
  height: 3px;
  background: var(--accent-gradient);
}
.header-inner {
  max-width: 960px;
  margin: 0 auto;
  padding: 16px 0 0;
}
.header-top-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
}
.header-brand {
  display: flex;
  align-items: center;
  gap: 10px;
}
.header-brand-name {
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 17px;
  font-weight: 900;
  letter-spacing: .12em;
  color: var(--text-heading);
}
.header-actions {
  display: flex;
  align-items: center;
  gap: 8px;
}
/* ══════════════════════════════════════
   SIDEBAR NAVIGATION
══════════════════════════════════════ */
.sidebar {
  position: fixed;
  left: 0;
  top: 0;
  bottom: 0;
  width: 220px;
  background: var(--bg-card-alt, #0f0f0f);
  border-right: 1px solid var(--border-secondary);
  z-index: 500;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

.sidebar-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 20px 16px 16px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  flex-shrink: 0;
}

.sidebar-brand-text {
  font-size: 13px;
  font-weight: 900;
  letter-spacing: 0.05em;
  color: var(--text-primary);
}

.sidebar-nav {
  flex: 1;
  overflow-y: auto;
  padding: 12px 10px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  scrollbar-width: none;
}
.sidebar-nav::-webkit-scrollbar { display: none; }

.nav-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.06);
  margin: 8px 0;
}

.nav-section-label {
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-faint);
  padding: 4px 8px 6px;
}

.sidebar-footer {
  flex-shrink: 0;
  padding: 10px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.sidebar-action-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  width: 100%;
  padding: 10px 12px;
  background: transparent;
  border: none;
  border-radius: 8px;
  color: var(--text-secondary);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  text-align: left;
  transition: background var(--transition-fast), color var(--transition-fast);
}
.sidebar-action-btn:hover {
  background: rgba(255, 255, 255, 0.06);
  color: var(--text-primary);
}

/* Sidebar tab buttons — override the default horizontal style */
.sidebar .tab-btn {
  display: flex;
  align-items: center;
  gap: 10px;
  width: 100%;
  padding: 10px 12px;
  border-radius: 8px;
  border: none;
  border-bottom: none;
  border-left: 3px solid transparent;
  background: transparent;
  color: var(--text-faint);
  font-size: 12.5px;
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-weight: 600;
  letter-spacing: 0;
  text-transform: none;
  white-space: nowrap;
  margin-bottom: 0;
  cursor: pointer;
  transition: background var(--transition-fast), color var(--transition-fast), border-color var(--transition-fast);
}
.sidebar .tab-btn.active {
  background: rgba(255, 95, 16, 0.1);
  color: #ff7820;
  border-left-color: var(--accent-primary);
  border-bottom-color: transparent;
}
.sidebar .tab-btn:hover:not(.active) {
  background: rgba(255, 255, 255, 0.04);
  color: var(--text-secondary);
}

.nav-icon { font-size: 15px; flex-shrink: 0; line-height: 1; }
.nav-label { flex: 1; }

/* Sidebar backdrop (mobile only) */
.sidebar-backdrop {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.6);
  z-index: 490;
  -webkit-backdrop-filter: blur(2px);
  backdrop-filter: blur(2px);
}
.sidebar-backdrop.open { display: block; }

/* Main content pushed right on desktop */
.main-wrap {
  margin-left: 220px;
}

/* Hide old header and accent stripe on desktop — brand lives in sidebar */
header, .header-stripe { display: none; }

/* ── Hamburger trigger on mobile (top-left) ── */
.sidebar-toggle-btn {
  display: none;
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 480;
  background: var(--bg-card-alt, #0f0f0f);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 8px;
  width: 38px;
  height: 38px;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  flex-direction: column;
  gap: 4px;
  padding: 0;
}
.sidebar-toggle-btn .sb-line {
  display: block;
  width: 16px;
  height: 2px;
  background: var(--text-secondary);
  border-radius: 2px;
  transition: all 0.22s ease;
}

/* Modern underline tabs (kept for any other usage but hidden in main nav) */
.tabs {
  display: flex;
  gap: 0;
  overflow-x: auto;
  scrollbar-width: none;
  border-bottom: 1px solid var(--border-secondary);
}
.tabs::-webkit-scrollbar { display: none; }
.tab-btn {
  padding: 11px 20px;
  border-radius: 0;
  font-size: 11px;
  font-family: Arial, sans-serif;
  font-weight: 700;
  cursor: pointer;
  border: none;
  border-bottom: 2px solid transparent;
  background: transparent;
  color: var(--text-faint);
  transition: all 0.18s;
  white-space: nowrap;
  letter-spacing: .07em;
  text-transform: uppercase;
  margin-bottom: -1px;
}
.tab-btn.active {
  color: var(--accent-secondary);
  border-bottom-color: var(--accent-primary);
  background: var(--accent-bg);
}
.tab-btn:hover:not(.active) {
  color: var(--text-muted);
  background: var(--bg-hover);
}
body.ret-active { background: var(--bg-primary); }

/* ══════════════════════════════════════
   SAVE BANNER
══════════════════════════════════════ */
.save-banner {
  max-width: 960px;
  margin: 10px auto 0;
  display: none;
  align-items: center;
  gap: 10px;
  background: var(--success-bg);
  border: 1px solid var(--success-border);
  border-radius: 8px;
  padding: 9px 16px;
  font-family: Arial, sans-serif;
  font-size: 12px;
  color: var(--success);
}
.example-banner {
  display: none;
  max-width: 960px;
  margin: 0 auto 14px;
  align-items: center;
  gap: 8px;
  background: var(--accent-bg-strong);
  border: 1px solid var(--border-accent);
  border-radius: 8px;
  padding: 10px 16px;
  font-family: Arial, sans-serif;
  font-size: 12px;
  color: var(--accent-secondary);
  line-height: 1.5;
}
.example-banner strong { color: var(--accent-secondary); }
.save-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--success);
  flex-shrink: 0;
}

/* ══════════════════════════════════════
   SUMMARY BARS
══════════════════════════════════════ */
.summary-bar {
  background: var(--bg-secondary);
  padding: 20px 32px 24px;
  border-bottom: 1px solid var(--border-primary);
  transition: background var(--transition-med);
}
.summary-bar-inner { max-width: 960px; margin: 0 auto; }
.s-summary {
  display: flex;
  gap: 20px;
  align-items: flex-end;
  flex-wrap: wrap;
}
.stat-label {
  font-size: 11px;
  color: var(--accent-secondary);
  font-family: Arial, sans-serif;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  margin-bottom: 2px;
}
.stat-val {
  font-size: 20px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
}
.stat-val.gold { color: var(--accent-secondary); }
.right { margin-left: auto; text-align: right; }
.total-bar-bg {
  margin-top: 12px;
  height: 6px;
  border-radius: 10px;
  background: var(--bar-track);
  overflow: hidden;
}
.total-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, #ff4500, #ff8c00);
  border-radius: 10px;
  transition: width .4s;
}

/* ══════════════════════════════════════
   BUDGET SUMMARY BAR
══════════════════════════════════════ */
.budget-bar {
  background: var(--bg-secondary);
  padding: 16px 32px;
  display: none;
  border-bottom: 1px solid var(--border-primary);
  transition: background var(--transition-med);
}
.budget-bar-inner { max-width: 960px; margin: 0 auto; }
.bgt-row {
  display: flex;
  gap: 0;
  flex-wrap: wrap;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid var(--border-primary);
}
.bgt-cell {
  flex: 1;
  min-width: 120px;
  padding: 14px 16px;
  border-right: 1px solid var(--border-primary);
  background: var(--bg-card);
}
.bgt-cell:last-child { border-right: none; }
.bgt-label {
  font-size: 11px;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-family: Arial, sans-serif;
  margin-bottom: 4px;
  color: var(--text-muted);
}
.bgt-val {
  font-size: 18px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
}
.bgt-sub {
  font-size: 10px;
  margin-top: 2px;
  font-family: Arial, sans-serif;
}
/* Budget bar cell tints */
.bgt-cell--income  { background: rgba( 61, 232, 160, 0.06); }
.bgt-cell--bills   { background: rgba(255,  64,  64, 0.06); }
.bgt-cell--debt    { background: rgba(251, 146,  60, 0.06); }
.bgt-cell--savings { background: rgba( 61, 232, 160, 0.05); }
.bgt-cell--remaining { background: rgba(255, 106,   0, 0.05); }

/* Budget bar value colors */
.bgt-val--income  { color: var(--success); }
.bgt-val--danger  { color: var(--danger); }
.bgt-val--warning { color: #fb923c; }
.bgt-sub--muted   { color: var(--text-muted); }

/* Light theme: slightly more visible tints */
body.light-theme .bgt-cell--income  { background: rgba( 15, 168,  96, 0.07); }
body.light-theme .bgt-cell--bills   { background: rgba(224,  32,  32, 0.06); }
body.light-theme .bgt-cell--debt    { background: rgba(210, 100,  20, 0.06); }
body.light-theme .bgt-cell--savings { background: rgba( 15, 168,  96, 0.06); }
body.light-theme .bgt-cell--remaining { background: rgba(232,  85,   0, 0.06); }

.bgt-remaining-bar {
  height: 4px;
  background: var(--bar-track);
  border-radius: 10px;
  margin-top: 12px;
  overflow: hidden;
}
.bgt-remaining-fill {
  height: 100%;
  border-radius: 10px;
  transition: width .4s;
}

/* ══════════════════════════════════════
   PAGES
══════════════════════════════════════ */
.page {
  display: none;
  max-width: 960px;
  margin: 0 auto;
  padding: 24px 20px;
}
.page.active { display: block; }

/* ══════════════════════════════════════
   SHARED COMPONENTS
══════════════════════════════════════ */
.section-title {
  font-size: 11px;
  font-weight: 700;
  color: var(--accent-secondary);
  letter-spacing: 1.2px;
  text-transform: uppercase;
  font-family: Arial, sans-serif;
  margin-bottom: 12px;
}
.controls {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}
.filters {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  flex: 1;
}
.filter-btn {
  padding: 6px 13px;
  border-radius: 20px;
  border: 1.5px solid var(--border-primary);
  font-size: 12px;
  font-family: Arial, sans-serif;
  cursor: pointer;
  font-weight: 700;
  background: var(--bg-card);
  color: var(--text-muted);
  transition: all var(--transition-fast);
}
.filter-btn.active {
  background: var(--accent-primary);
  color: #ffffff;
  border-color: var(--accent-primary);
}
.sort-sel {
  padding: 7px 12px;
  border-radius: 8px;
  border: 1.5px solid var(--border-primary);
  font-size: 12px;
  font-family: Arial, sans-serif;
  background: var(--bg-card);
  color: var(--text-secondary);
  cursor: pointer;
  outline: none;
  transition: border-color var(--transition-fast);
}
.sort-sel:focus { border-color: var(--accent-tertiary); }
.btn-reset {
  padding: 7px 14px;
  border-radius: 8px;
  background: var(--danger-bg);
  color: var(--danger);
  border: 1px solid var(--danger-border);
  font-weight: 700;
  cursor: pointer;
  font-family: Arial, sans-serif;
  font-size: 12px;
  transition: all var(--transition-fast);
}
.btn-reset:hover {
  background: var(--danger);
  color: #ffffff;
}
.form-card {
  background: var(--bg-card);
  border-radius: 12px;
  padding: 22px;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--border-primary);
  margin-bottom: 14px;
  transition: background var(--transition-med), border-color var(--transition-med);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.form-group label {
  font-size: 11px;
  font-weight: 700;
  color: var(--text-muted);
  letter-spacing: 1px;
  text-transform: uppercase;
  display: block;
  margin-bottom: 4px;
  font-family: Arial, sans-serif;
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-primary);
  font-size: 14px;
  outline: none;
  font-family: Arial, sans-serif;
  background: var(--bg-input);
  color: var(--text-primary);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  border-color: var(--accent-tertiary);
  box-shadow: 0 0 0 3px var(--accent-glow);
}
.priority-btns {
  display: flex;
  gap: 8px;
  margin-top: 6px;
  flex-wrap: wrap;
}
.priority-btn {
  padding: 6px 16px;
  border-radius: 20px;
  border: 1.5px solid var(--border-primary);
  cursor: pointer;
  font-size: 13px;
  font-weight: 700;
  font-family: Arial, sans-serif;
  background: var(--bg-card);
  color: var(--text-muted);
  transition: all var(--transition-fast);
}
.form-actions {
  display: flex;
  gap: 8px;
  margin-top: 14px;
}
.btn-save {
  padding: 9px 22px;
  border-radius: 8px;
  background: var(--accent-primary);
  color: #fff;
  border: none;
  font-weight: 900;
  cursor: pointer;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 12px;
  letter-spacing: .08em;
  text-transform: uppercase;
  transition: background var(--transition-fast), box-shadow var(--transition-fast);
}
.btn-save:hover {
  background: var(--accent-secondary);
  box-shadow: 0 4px 16px rgba(255, 95, 16, 0.2);
}
.btn-cancel {
  padding: 9px 16px;
  border-radius: 8px;
  background: var(--bg-elevated);
  color: var(--text-muted);
  border: 1px solid var(--border-primary);
  font-weight: 700;
  cursor: pointer;
  font-family: Arial, sans-serif;
  font-size: 13px;
  transition: all var(--transition-fast);
}
.btn-cancel:hover {
  color: var(--text-primary);
  border-color: var(--border-accent);
}
.empty {
  text-align: center;
  padding: 48px 0;
  color: var(--text-faint);
  font-size: 15px;
}
.btn-edit {
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  border-radius: 8px;
  padding: 5px 12px;
  font-size: 12px;
  color: var(--text-secondary);
  cursor: pointer;
  font-family: Arial, sans-serif;
  transition: all var(--transition-fast);
}
.btn-edit:hover {
  border-color: var(--border-accent);
  color: var(--accent-secondary);
}
.btn-del {
  background: var(--danger-bg);
  border: 1px solid var(--danger-border);
  border-radius: 8px;
  padding: 5px 12px;
  font-size: 12px;
  color: var(--danger);
  cursor: pointer;
  font-family: Arial, sans-serif;
  transition: all var(--transition-fast);
}
.btn-del:hover {
  background: var(--danger);
  color: #ffffff;
}
.add-btn {
  width: 100%;
  padding: 15px;
  border-radius: 12px;
  border: 2px dashed var(--border-primary);
  background: transparent;
  color: var(--text-muted);
  font-size: 14px;
  cursor: pointer;
  font-family: Arial, sans-serif;
  margin-top: 4px;
  transition: all var(--transition-fast);
}
.add-btn:hover {
  border-color: var(--accent-primary);
  color: var(--accent-tertiary);
  background: var(--accent-bg);
}

/* ══════════════════════════════════════
   BUDGET PAGE — CALENDAR
══════════════════════════════════════ */
.cal-wrap {
  background: var(--bg-card);
  border-radius: 14px;
  border: 1px solid var(--border-primary);
  margin-bottom: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
.cal-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px 14px;
  border-bottom: 1px solid var(--border-primary);
}
.cal-nav-title {
  font-size: 16px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
  letter-spacing: .3px;
}
.cal-nav-btn {
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-sm);
  padding: 6px 14px;
  font-size: 18px;
  color: var(--text-secondary);
  cursor: pointer;
  font-family: Arial, sans-serif;
  line-height: 1;
  transition: all var(--transition-fast);
}
.cal-nav-btn:hover {
  background: var(--bg-hover);
  color: var(--accent-tertiary);
}
.cal-today-btn {
  background: transparent;
  border: 1.5px solid var(--accent-tertiary);
  border-radius: var(--radius-sm);
  padding: 5px 12px;
  font-size: 11px;
  color: var(--accent-tertiary);
  cursor: pointer;
  font-family: Arial, sans-serif;
  font-weight: 700;
  letter-spacing: .5px;
  transition: all var(--transition-fast);
}
.cal-today-btn:hover {
  background: var(--accent-bg);
}
.cal-dow {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-primary);
}
.cal-dow-cell {
  text-align: center;
  padding: 10px 4px;
  font-size: 10px;
  font-weight: 700;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  letter-spacing: 1.2px;
  text-transform: uppercase;
}
/* Weekend column headers slightly dimmed */
.cal-dow-cell:first-child,
.cal-dow-cell:last-child { opacity: .6; }

.cal-grid {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 0;
}
.cal-cell {
  min-height: 110px;
  padding: 8px 7px 6px;
  border-right: 1px solid var(--border-secondary);
  border-bottom: 1px solid var(--border-secondary);
  overflow: hidden;
  background: var(--bg-card);
  position: relative;
}
.cal-cell:nth-child(7n)   { border-right: none; }
/* Weekend columns — very subtle tint */
.cal-cell:nth-child(7n+1),
.cal-cell:nth-child(7n)   { background: color-mix(in srgb, var(--bg-secondary) 60%, var(--bg-card)); }
.cal-cell.empty           { background: var(--bg-secondary); opacity: .55; }
.cal-cell.today           { background: var(--accent-bg-strong); }
.cal-cell.cal-reset-day   { border-top: 2px solid var(--accent-primary); }
.cal-reset-badge {
  font-size: 9px;
  font-weight: 700;
  color: var(--accent-primary);
  letter-spacing: .03em;
  text-transform: uppercase;
  margin-bottom: 3px;
  font-family: Arial, sans-serif;
}
/* Override weekend tint for today */
.cal-cell.today:nth-child(7n+1),
.cal-cell.today:nth-child(7n) { background: var(--accent-bg-strong); opacity: 1; }

.cal-day-num {
  font-size: 12px;
  font-weight: 700;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  text-align: left;
  margin-bottom: 5px;
  padding-left: 1px;
  line-height: 1;
}
.cal-day-num.today-num {
  width: 22px;
  height: 22px;
  background: var(--accent-primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-left: 0;
  font-size: 11px;
}
.cal-pill {
  font-size: 10px;
  font-family: Arial, sans-serif;
  padding: 3px 6px;
  border-radius: 5px;
  margin-bottom: 3px;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  cursor: default;
  border-left: 3px solid transparent;
  display: flex;
  align-items: center;
  gap: 4px;
  line-height: 1.3;
}
.cal-pill-name {
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
  flex: 1;
  font-weight: 600;
}
.cal-pill-amt {
  font-weight: 700;
  flex-shrink: 0;
  font-size: 9px;
  opacity: .85;
}
.cal-more {
  font-size: 10px;
  color: var(--accent-tertiary);
  font-family: Arial, sans-serif;
  font-weight: 700;
  padding: 2px 4px;
  letter-spacing: .2px;
}
.cal-legend {
  display: flex;
  gap: 16px;
  padding: 12px 20px;
  border-top: 1px solid var(--border-secondary);
  flex-wrap: wrap;
  background: var(--bg-secondary);
}
.cal-legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  color: var(--text-secondary);
  font-family: Arial, sans-serif;
  font-weight: 600;
}
.cal-legend-dot {
  width: 9px;
  height: 9px;
  border-radius: 3px;
  flex-shrink: 0;
}

/* Expand button in cal nav */
.cal-expand-btn {
  background: transparent;
  border: 1.5px solid var(--border-primary);
  border-radius: var(--radius-sm);
  padding: 5px 11px;
  font-size: 11px;
  color: var(--text-muted);
  cursor: pointer;
  font-family: Arial, sans-serif;
  font-weight: 700;
  letter-spacing: .3px;
  transition: all var(--transition-fast);
}
.cal-expand-btn:hover {
  border-color: var(--accent-tertiary);
  color: var(--accent-tertiary);
  background: var(--accent-bg);
}

/* Clickable cells */
.cal-cell:not(.empty) {
  cursor: pointer;
  transition: background 0.15s, opacity 0.15s;
}
.cal-cell:not(.empty):not(.today):hover { background: var(--bg-hover); opacity: 1; }
.cal-cell.today:hover { filter: brightness(1.08); }

/* ══════════════════════════════════════
   CALENDAR DAY DETAIL MODAL
══════════════════════════════════════ */
.cdm-overlay {
  display: none;
  position: fixed; inset: 0; z-index: 99999;
  background: rgba(0,0,0,0.55);
  align-items: center; justify-content: center;
  padding: 20px;
}
.cdm-panel {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: 16px;
  width: 100%; max-width: 400px;
  max-height: 85vh; overflow-y: auto;
  box-shadow: 0 24px 64px rgba(0,0,0,0.45);
  animation: fadeUp 0.2s ease both;
}
.cdm-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 20px 14px;
  border-bottom: 1px solid var(--border-secondary);
}
.cdm-title {
  font-size: 1rem; font-weight: 800;
  color: var(--text-heading); font-family: Arial, sans-serif;
}
.cdm-close {
  background: none; border: none; color: var(--text-muted);
  font-size: 18px; cursor: pointer; padding: 4px 6px;
  border-radius: 6px; transition: color 0.15s, background 0.15s; line-height: 1;
}
.cdm-close:hover { color: var(--text-primary); background: var(--bg-hover); }
.cdm-events { padding: 12px 20px; min-height: 40px; }
.cdm-event {
  display: flex; align-items: center; gap: 10px;
  padding: 9px 12px;
  border-left: 3px solid transparent;
  border-radius: 0 8px 8px 0;
  background: var(--bg-elevated);
  margin-bottom: 6px;
}
.cdm-event-name {
  flex: 1; font-size: 13px; font-weight: 600;
  color: var(--text-primary); font-family: Arial, sans-serif;
  overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
}
.cdm-event-amt {
  font-size: 13px; font-weight: 700;
  color: var(--text-secondary); font-family: Arial, sans-serif; flex-shrink: 0;
}
.cdm-event-type {
  font-size: 9px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  color: var(--text-muted); font-family: Arial, sans-serif; flex-shrink: 0;
  background: var(--bg-secondary); padding: 2px 6px; border-radius: 4px;
}
.cdm-del-btn {
  background: none; border: none; color: var(--text-muted);
  font-size: 11px; cursor: pointer; padding: 3px 6px; border-radius: 4px;
  transition: color 0.15s, background 0.15s; flex-shrink: 0;
}
.cdm-del-btn:hover { color: #f87171; background: rgba(248,113,113,0.12); }
.cdm-empty {
  font-size: 12px; color: var(--text-muted); font-family: Arial, sans-serif;
  padding: 8px 0; text-align: center;
}
.cdm-add {
  padding: 14px 20px 20px;
  border-top: 1px solid var(--border-secondary);
}
.cdm-add-label {
  font-size: 10px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--text-muted); font-family: Arial, sans-serif; margin-bottom: 10px;
}
.cdm-add-form { display: grid; gap: 8px; }
.cdm-add-row { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.cdm-input {
  width: 100%;
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  border-radius: 8px;
  padding: 9px 12px;
  color: var(--text-primary);
  font-size: 13px; font-family: Arial, sans-serif;
  transition: border-color 0.15s;
}
.cdm-input:focus { outline: none; border-color: var(--accent-primary); }
.cdm-select {
  width: 100%;
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  border-radius: 8px;
  padding: 9px 10px;
  color: var(--text-primary);
  font-size: 13px; font-family: Arial, sans-serif;
  cursor: pointer;
}
.cdm-add-btn {
  background: var(--accent-primary); color: #fff;
  border: none; border-radius: 8px;
  padding: 10px 16px;
  font-size: 13px; font-weight: 700; font-family: Arial, sans-serif;
  cursor: pointer; transition: background 0.15s, transform 0.1s;
  width: 100%;
}
.cdm-add-btn:hover { background: var(--accent-hover); transform: translateY(-1px); }

/* ══════════════════════════════════════
   FULL CALENDAR MODAL
══════════════════════════════════════ */
.cfc-overlay {
  display: none;
  position: fixed; inset: 0; z-index: 8500;
  background: var(--bg-card);
}
.cfc-panel {
  position: fixed; inset: 0;
  background: var(--bg-card);
  border: none;
  border-radius: 0;
  display: flex; flex-direction: column;
  overflow: hidden;
  z-index: 99998;
  animation: fadeUp 0.15s ease both;
}
.cfc-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 24px;
  border-bottom: 1px solid var(--border-primary);
  background: var(--bg-elevated);
  flex-shrink: 0;
}
.cfc-close {
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-sm);
  padding: 7px 16px;
  font-size: 12px; font-weight: 700;
  color: var(--text-muted); font-family: Arial, sans-serif;
  cursor: pointer; letter-spacing: .3px;
  transition: all 0.15s;
}
.cfc-close:hover { color: var(--text-primary); background: var(--bg-hover); }
.cfc-grid {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  flex: 1; overflow-y: auto;
}
.cfc-cell {
  border-right: 1px solid var(--border-secondary);
  border-bottom: 1px solid var(--border-secondary);
  padding: 8px 7px;
  background: var(--bg-card);
  cursor: pointer;
  transition: background 0.12s;
  overflow-y: auto;
}
.cfc-cell:nth-child(7n) { border-right: none; }
.cfc-cell.empty { background: var(--bg-secondary); cursor: default; pointer-events: none; }
.cfc-cell.today { background: var(--accent-bg-strong); }
.cfc-cell:not(.empty):not(.today):hover { background: var(--bg-hover); }
.cfc-cell.today:hover { filter: brightness(1.1); }

/* ══════════════════════════════════════
   BUDGET LAYOUT
══════════════════════════════════════ */
.budget-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  align-items: start;
}

/* Income card */
.income-card {
  background: var(--bg-card);
  border-radius: 12px;
  padding: 18px 20px;
  border: 1px solid var(--border-primary);
  margin-bottom: 14px;
  box-shadow: var(--shadow-card);
}
.income-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.income-input-wrap {
  display: flex;
  align-items: center;
  gap: 8px;
}
.income-input-wrap span {
  font-size: 18px;
  font-weight: 900;
  color: var(--text-heading);
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
}
.income-input-wrap input {
  font-size: 22px;
  font-weight: 900;
  color: var(--text-heading);
  border: none;
  background: transparent;
  outline: none;
  width: 140px;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  border-bottom: 2px solid var(--border-primary);
  padding-bottom: 2px;
}
.income-input-wrap input:focus { border-bottom-color: var(--accent-tertiary); }
.income-freq {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}

/* Expense list */
.expense-card {
  background: var(--bg-card);
  border-radius: 12px;
  padding: 16px 18px;
  border: 1px solid var(--border-primary);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: var(--shadow-subtle);
  transition: box-shadow var(--transition-fast), border-color var(--transition-fast);
}
.expense-card:hover {
  box-shadow: var(--shadow-card);
  border-color: var(--border-accent);
}
/* Compact Bill List mode */
.compact-bills .expense-card {
  padding: 9px 14px;
  margin-bottom: 5px;
  border-radius: 8px;
}
.compact-bills .expense-color-bar { height: 26px; }
.compact-bills .expense-name { font-size: 13px; }
.compact-bills .expense-meta { font-size: 10px; margin-top: 1px; }
.compact-bills .expense-amount { font-size: 14px; }
.expense-color-bar {
  width: 4px;
  height: 40px;
  border-radius: 3px;
  flex-shrink: 0;
}
.expense-info { flex: 1; min-width: 0; }
.expense-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--text-primary);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  font-family: Arial, sans-serif;
}
.expense-meta {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-top: 2px;
}
.expense-amount {
  font-size: 16px;
  font-weight: 900;
  color: var(--text-heading);
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  text-align: right;
  flex-shrink: 0;
}
.expense-actions {
  display: flex;
  gap: 5px;
  flex-shrink: 0;
}

/* Obligations panel */
.obligations-card {
  background: var(--bg-card);
  border-radius: 12px;
  padding: 18px;
  border: 1px solid var(--border-primary);
  margin-bottom: 14px;
  box-shadow: var(--shadow-card);
}
.obligation-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--border-secondary);
}
.obligation-row:last-child { border-bottom: none; padding-bottom: 0; }
.ob-left {
  display: flex;
  align-items: center;
  gap: 10px;
}
.ob-dot {
  width: 10px;
  height: 10px;
  border-radius: 3px;
  flex-shrink: 0;
}
.ob-name {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-primary);
  font-family: Arial, sans-serif;
}
.ob-sub {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-top: 1px;
}
.ob-amount {
  font-size: 15px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
}
.ob-note {
  font-size: 10px;
  font-family: Arial, sans-serif;
  margin-top: 1px;
  text-align: right;
}

/* Budget summary totals */
.bgt-summary-card {
  background: var(--bg-card);
  border-radius: 12px;
  padding: 18px;
  color: var(--text-primary);
  margin-bottom: 14px;
  border: 1px solid var(--border-primary);
  box-shadow: var(--shadow-card);
}
.bgt-sum-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 7px 0;
  border-bottom: 1px solid var(--border-secondary);
}
.bgt-sum-row:last-child { border-bottom: none; padding-bottom: 0; }
.bgt-sum-label {
  font-size: 12px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.bgt-sum-val {
  font-size: 16px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
}
.bgt-sum-row.total {
  padding-top: 10px;
  margin-top: 4px;
  border-top: 2px solid var(--border-primary);
  border-bottom: none;
}
.bgt-sum-row.total .bgt-sum-label {
  font-size: 13px;
  color: var(--text-heading);
  font-weight: 700;
}
.bgt-sum-row.total .bgt-sum-val { font-size: 22px; }

/* ══════════════════════════════════════
   SAVINGS CARDS
══════════════════════════════════════ */
.goal-card {
  background: var(--bg-card);
  border-radius: 12px;
  padding: 20px 22px;
  border: 1px solid var(--border-primary);
  margin-bottom: 12px;
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--transition-fast), border-color var(--transition-fast);
}
.goal-card:hover {
  box-shadow: var(--shadow-hover);
}
.goal-card.done {
  background: var(--success-bg);
  border-color: var(--success-border);
}
.card-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 10px;
  gap: 8px;
}
.card-left {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.check-box {
  width: 22px;
  height: 22px;
  border-radius: var(--radius-sm);
  border: 2px solid var(--border-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  flex-shrink: 0;
  font-size: 13px;
  font-weight: 900;
  color: #fff;
  user-select: none;
  transition: all var(--transition-fast);
}
.check-box.checked {
  background: var(--success);
  border-color: var(--success);
  color: #0a0a0a;
}
.goal-name {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  font-family: Arial, sans-serif;
}
.goal-name.done {
  color: var(--success);
  text-decoration: line-through;
  opacity: .7;
}
.priority-badge {
  padding: 2px 10px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: 700;
  font-family: Arial, sans-serif;
}
.card-actions {
  display: flex;
  gap: 6px;
  flex-shrink: 0;
}
.progress-row {
  display: flex;
  justify-content: space-between;
  margin-bottom: 5px;
  font-size: 13px;
  font-family: Arial, sans-serif;
}
.saved-amt { color: var(--text-secondary); font-weight: 600; }
.bar-bg {
  height: 9px;
  border-radius: 10px;
  background: var(--bar-track);
  overflow: hidden;
}
.bar-fill { height: 100%; border-radius: 10px; }
.card-meta {
  display: flex;
  gap: 14px;
  font-size: 12px;
  color: var(--text-muted);
  flex-wrap: wrap;
  margin-top: 8px;
  font-family: Arial, sans-serif;
}
.overdue { color: var(--danger); }

/* ══════════════════════════════════════
   DEBT PAGE
══════════════════════════════════════ */
.debt-hero {
  background: var(--bg-secondary);
  color: var(--text-primary);
  padding: 20px 32px 26px;
  display: none;
  border-bottom: 1px solid var(--border-primary);
}
.debt-hero-inner { max-width: 960px; margin: 0 auto; }
.debt-stats {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
  margin-bottom: 14px;
}
.debt-stat .dl {
  font-size: 10px;
  color: var(--accent-secondary);
  font-family: Arial, sans-serif;
  letter-spacing: 1.5px;
  margin-bottom: 2px;
  text-transform: uppercase;
}
.debt-stat .dv {
  font-size: 20px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
}
.debt-method-toggle {
  display: flex;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid var(--border-primary);
  width: fit-content;
}
.method-btn {
  padding: 7px 18px;
  font-size: 12px;
  font-family: Arial, sans-serif;
  font-weight: 700;
  cursor: pointer;
  border: none;
  background: var(--bg-elevated);
  color: var(--text-muted);
  letter-spacing: .08em;
  text-transform: uppercase;
  transition: all var(--transition-fast);
}
.method-btn.active {
  background: var(--accent-primary);
  color: #fff;
}
.extra-payment-bar {
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-primary);
  padding: 14px 32px;
  display: none;
}
.extra-inner {
  max-width: 960px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.extra-inner label {
  font-size: 11px;
  font-weight: 700;
  color: var(--text-secondary);
  font-family: Arial, sans-serif;
  white-space: nowrap;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.extra-inner input {
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-primary);
  font-size: 14px;
  outline: none;
  font-family: Arial, sans-serif;
  background: var(--bg-input);
  color: var(--text-primary);
  width: 140px;
}
.extra-inner span {
  font-size: 12px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.debt-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  align-items: start;
}
.debt-card {
  background: var(--bg-card);
  border-radius: 12px;
  padding: 16px 18px;
  border: 1px solid var(--border-primary);
  margin-bottom: 10px;
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--transition-fast);
}
.debt-card:hover {
  box-shadow: var(--shadow-hover);
}
.debt-card-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 8px;
}
.debt-name {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  font-family: Arial, sans-serif;
}
.debt-badge {
  padding: 2px 9px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: 700;
  background: var(--accent-bg-strong);
  color: var(--accent-secondary);
  font-family: Arial, sans-serif;
  border: 1px solid var(--border-accent);
}
.debt-nums {
  display: flex;
  gap: 14px;
  font-size: 12px;
  color: var(--text-muted);
  margin-bottom: 8px;
  font-family: Arial, sans-serif;
  flex-wrap: wrap;
}
.debt-nums span b { color: var(--text-primary); }
.debt-bar-bg {
  height: 7px;
  border-radius: 10px;
  background: var(--bar-track);
  overflow: hidden;
}
.debt-bar-fill {
  height: 100%;
  border-radius: 10px;
  background: linear-gradient(90deg, #ff4500, #ff8c00);
}
.timeline-card {
  background: var(--bg-card);
  border-radius: 12px;
  padding: 18px;
  border: 1px solid var(--border-primary);
  box-shadow: var(--shadow-card);
}
.timeline-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
}
.timeline-item:last-child { margin-bottom: 0; }
.t-num {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--accent-primary);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: Arial, sans-serif;
}
.t-num.paid { background: var(--success); color: #0a0a0a; }
.t-body { flex: 1; }
.t-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 2px;
  font-family: Arial, sans-serif;
}
.t-detail {
  font-size: 12px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.t-arrow {
  font-size: 11px;
  color: var(--accent-secondary);
  font-family: Arial, sans-serif;
  margin-top: 3px;
}
.summary-totals {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-left: 3px solid var(--accent-tertiary);
  border-radius: 12px;
  padding: 18px;
  color: var(--text-primary);
  margin-top: 16px;
  box-shadow: var(--shadow-card);
}
.totals-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.total-item .tl {
  font-size: 10px;
  color: var(--accent-secondary);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-family: Arial, sans-serif;
  margin-bottom: 3px;
}
.total-item .tv {
  font-size: 18px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
}

/* ══════════════════════════════════════
   DASHBOARD PAGE
══════════════════════════════════════ */
#page-dashboard { padding-top: 4px; padding-bottom: 24px; }
.dash-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  align-items: start;
}
.dash-card {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-lg);
  overflow: hidden;
  cursor: pointer;
  transition: border-color 0.2s, box-shadow 0.2s;
  position: relative;
  box-shadow: var(--shadow-card);
}
.dash-card:hover {
  border-color: var(--border-accent);
  box-shadow: var(--shadow-hover);
}
.dash-card-wide { grid-column: 1 / -1; }
.dash-card-header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 18px;
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-secondary);
}
.dash-card-icon { font-size: 16px; line-height: 1; }
.dash-card-title {
  font-size: 11px;
  font-weight: 700;
  color: var(--text-secondary);
  letter-spacing: .08em;
  text-transform: uppercase;
  font-family: Arial, sans-serif;
  flex: 1;
}
.dash-card-arrow {
  font-size: 14px;
  color: var(--text-faint);
  transition: color var(--transition-fast);
}
.dash-card:hover .dash-card-arrow { color: var(--accent-secondary); }
.dash-card-body { padding: 16px 18px; }
.dash-stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.dash-card-body .dash-bar-wrap { margin-top: 14px; }
.dash-stat .dsl {
  font-size: 10px;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-bottom: 3px;
}
.dash-stat .dsv {
  font-size: 18px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
}
.dash-stat .dsv.green { color: var(--success); }
.dash-stat .dsv.red { color: var(--danger); }
.dash-stat .dsv.orange { color: var(--accent-secondary); }
.dash-bar-wrap {
  height: 4px;
  background: var(--bar-track);
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 5px;
}
.dash-bar-fill {
  height: 100%;
  background: var(--accent-gradient);
  border-radius: 4px;
  transition: width .5s;
}
.dash-bar-fill.orange { background: var(--accent-gradient); }
.dash-bar-label {
  font-size: 11px;
  color: var(--text-faint);
  font-family: Arial, sans-serif;
}
.dash-goals-preview {
  display: flex;
  flex-direction: column;
  gap: 5px;
  margin-top: 4px;
}
.dash-goal-row {
  display: flex;
  align-items: center;
  gap: 8px;
}
.dash-goal-name {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  flex: 1;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.dash-goal-bar-bg {
  flex: 2;
  height: 4px;
  background: var(--bar-track);
  border-radius: 4px;
  overflow: hidden;
}
.dash-goal-bar-fill {
  height: 100%;
  border-radius: 4px;
  transition: width .4s;
}
.dash-goal-pct {
  font-size: 10px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  width: 28px;
  text-align: right;
  flex-shrink: 0;
}
.dash-debt-preview {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-top: 4px;
}
.dash-debt-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 5px 0;
  border-bottom: 1px solid var(--border-subtle);
}
.dash-debt-row:last-child { border-bottom: none; }
.dash-debt-name {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.dash-debt-bal {
  font-size: 12px;
  font-weight: 700;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--danger);
}
.dash-ret-accts {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 10px;
}
.dash-ret-pill {
  display: flex;
  align-items: center;
  gap: 5px;
  background: var(--bg-secondary);
  border: 1px solid var(--border-secondary);
  border-radius: 20px;
  padding: 4px 10px;
}
.dash-ret-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  flex-shrink: 0;
}
.dash-ret-name {
  font-size: 10px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.dash-ret-val {
  font-size: 11px;
  font-weight: 700;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-secondary);
  margin-left: 3px;
}

/* ══════════════════════════════════════
   RETIREMENT — harmonized theme
══════════════════════════════════════ */
#page-retirement {
  background: var(--bg-primary);
}
#page-retirement.active { display: block; }
.ret-wrap {
  --bg: var(--bg-primary);
  --surface: var(--bg-card);
  --border: var(--border-primary);
  --border2: var(--border-secondary);
  --gold: var(--accent-secondary);
  --blue: var(--accent-secondary);
  --green: var(--success);
  --pink: #f472b6;
  --orange: var(--accent-secondary);
  --yellow: var(--warning);
  --purple: #a78bfa;
  --text: var(--text-primary);
  --text-dim: var(--text-muted);
  --text-faint: var(--text-faint);
  background: var(--bg);
  color: var(--text);
  font-family: Arial, sans-serif;
}
.ret-wrap .r-header { text-align: center; margin-bottom: 24px; }
.ret-wrap .r-eyebrow {
  font-size: 10px;
  letter-spacing: .4em;
  color: var(--accent-secondary);
  text-transform: uppercase;
  margin-bottom: 8px;
}
.ret-wrap .r-h1 {
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 28px;
  font-weight: 900;
  background: linear-gradient(90deg, var(--text-heading) 30%, var(--accent-secondary));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1.1;
}
.ret-wrap .r-h1-sub {
  color: var(--text-dim);
  font-size: 12px;
  margin-top: 6px;
}
.ret-wrap .r-card {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: 12px;
  padding: 16px 18px;
  box-shadow: var(--shadow-card);
}
.ret-wrap .r-card-label {
  font-size: 11px;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--accent-secondary);
  margin-bottom: 14px;
}
.ret-wrap .r-snapshot-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 8px;
  margin-top: 10px;
}
.ret-wrap .r-snap-cell {
  background: var(--bg-secondary);
  border-radius: 9px;
  padding: 9px 10px;
  text-align: center;
  border: 1px solid var(--border-primary);
}
.ret-wrap .r-snap-cell .sc-label {
  font-size: 11px;
  color: var(--text-dim);
  margin-bottom: 4px;
}
.ret-wrap .r-snap-cell .sc-value {
  font-size: 15px;
  font-weight: 700;
}
.ret-wrap .r-contribs-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}
.ret-wrap .r-contrib-cell {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: 7px;
  padding: 7px 10px;
}
.ret-wrap .r-contrib-cell.highlight {
  background: var(--accent-bg-strong);
  border-color: var(--border-accent);
}
.ret-wrap .r-contrib-cell .cc-label {
  font-size: 11px;
  color: var(--text-dim);
}
.ret-wrap .r-contrib-cell .cc-value {
  font-size: 14px;
  font-weight: 700;
}
.ret-wrap .r-contrib-cell.highlight .cc-value { color: var(--gold); }
.ret-wrap .r-alert {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-md);
  padding: 11px 14px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 12px 0;
}
.ret-wrap .r-alert-icon { font-size: 16px; flex-shrink: 0; margin-top: 1px; }
.ret-wrap .r-alert-title {
  color: var(--accent-secondary);
  font-size: 12px;
  font-weight: 700;
  margin-bottom: 4px;
}
.ret-wrap .r-alert-body {
  color: var(--success);
  font-size: 12px;
  line-height: 1.6;
}
.ret-wrap .r-main-grid {
  display: grid;
  grid-template-columns: 330px 1fr;
  gap: 14px;
  align-items: start;
  margin-top: 14px;
}
.ret-wrap .r-section-label {
  font-size: 11px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--text-secondary);
  font-weight: 700;
  margin: 16px 0 9px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}
.ret-wrap .r-section-label:first-of-type {
  margin-top: 0;
  border-top: none;
  padding-top: 0;
}
.ret-wrap .r-acct-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 4px;
}
.ret-wrap .r-acct-hdr {
  display: grid;
  grid-template-columns: 1fr 72px 72px 22px;
  gap: 4px;
  padding: 4px 0;
  margin-bottom: 4px;
  border-bottom: 1px solid var(--border);
}
.ret-wrap .r-acct-hdr span {
  font-size: 11px;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--text-secondary);
  font-family: sans-serif;
  font-weight: 600;
}
.ret-wrap .r-acct-hdr span:nth-child(2),
.ret-wrap .r-acct-hdr span:nth-child(3) { text-align: right; }
.ret-wrap .r-acct-row {
  display: grid;
  grid-template-columns: 1fr 72px 72px 22px;
  gap: 4px;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px solid var(--border-subtle);
}
.ret-wrap .r-acct-row:hover { background: var(--bg-hover); }
.ret-wrap .r-acct-row:hover .r-acct-del { opacity: 1; }
.ret-wrap .r-acct-del {
  background: none;
  border: none;
  color: var(--text-faint);
  font-size: 14px;
  cursor: pointer;
  padding: 0;
  width: 22px;
  height: 22px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 4px;
  opacity: 0;
  transition: opacity 0.15s, color 0.15s, background 0.15s;
  line-height: 1;
}
.ret-wrap .r-acct-del:hover { color: #f87171; background: rgba(248,113,113,0.12); }
.ret-wrap .r-add-acct-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: .02em;
  color: var(--text-secondary);
  background: var(--bg-input);
  border: 1px solid var(--border-primary);
  border-radius: 8px;
  padding: 7px 14px;
  cursor: pointer;
  transition: border-color 0.15s, color 0.15s, background 0.15s;
  font-family: sans-serif;
}
.ret-wrap .r-add-acct-btn:hover {
  border-color: var(--accent-tertiary);
  color: var(--accent-tertiary);
  background: rgba(255,120,32,0.06);
}
.ret-wrap .r-add-acct-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: 12px;
  padding: 6px;
  box-shadow: 0 16px 40px rgba(0,0,0,0.55), 0 2px 8px rgba(0,0,0,0.3);
  z-index: 200;
  display: flex;
  flex-direction: column;
  gap: 0;
  min-width: 300px;
  max-height: 380px;
  overflow-y: auto;
}
.ret-wrap .r-add-acct-group {
  font-size: 11px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--text-muted);
  padding: 10px 10px 5px;
  font-family: sans-serif;
  font-weight: 700;
  border-top: 1px solid var(--border-subtle);
  margin-top: 4px;
}
.ret-wrap .r-add-acct-group:first-of-type {
  border-top: none;
  margin-top: 0;
  padding-top: 4px;
}
.ret-wrap .r-add-acct-item {
  display: flex;
  align-items: center;
  gap: 10px;
  text-align: left;
  background: none;
  border: none;
  border-radius: 8px;
  padding: 8px 10px;
  cursor: pointer;
  transition: background 0.12s;
  width: 100%;
}
.ret-wrap .r-add-acct-item:hover {
  background: rgba(255,255,255,0.05);
}
.ret-wrap .r-add-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
  opacity: 0.9;
}
.ret-wrap .r-add-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
}
.ret-wrap .r-add-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-primary);
  font-family: sans-serif;
  line-height: 1.2;
}
.ret-wrap .r-add-note {
  font-size: 11px;
  color: var(--text-muted);
  font-family: sans-serif;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  line-height: 1.3;
}
.ret-wrap .r-add-acct-empty {
  padding: 16px 10px;
  font-size: 12px;
  color: var(--text-muted);
  text-align: center;
  font-family: sans-serif;
}
.ret-wrap .r-acct-row-label {
  font-size: 12px;
  color: var(--text-primary);
  font-family: sans-serif;
  display: flex;
  align-items: center;
  gap: 6px;
  line-height: 1.4;
  min-width: 0;
  overflow: hidden;
}
.ret-wrap .r-acct-row-label span.label-text {
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}
.ret-wrap .r-acct-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  flex-shrink: 0;
}
.ret-wrap .r-acct-input {
  background: var(--bg-input);
  border: 1px solid var(--border-primary);
  border-radius: 6px;
  color: var(--text-primary);
  font-family: Arial, sans-serif;
  font-size: 12px;
  padding: 5px 7px;
  width: 100%;
  text-align: right;
  outline: none;
  min-width: 0;
}
.ret-wrap .r-acct-input:focus { border-color: var(--accent-tertiary); }
.ret-wrap .r-acct-input::placeholder { color: var(--text-faint); }
.ret-wrap .r-acct-dash {
  color: var(--text-faint);
  font-size: 12px;
  text-align: right;
  font-family: Arial, sans-serif;
}
.ret-wrap .r-totals-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0 0;
  margin-top: 4px;
  border-top: 1px solid var(--border);
}
.ret-wrap .r-totals-label {
  font-size: 12px;
  color: var(--text-secondary);
  font-family: sans-serif;
  font-weight: 600;
}
.ret-wrap .r-totals-value {
  font-size: 13px;
  font-weight: 700;
  color: var(--gold);
  font-family: 'Source Code Pro', monospace;
}
.ret-wrap .r-field { margin-bottom: 13px; }
.ret-wrap .r-field-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 4px;
}
.ret-wrap .r-field-label {
  font-size: 12px;
  color: var(--text-secondary);
}
.ret-wrap .r-field-value {
  font-size: 12px;
  font-weight: 700;
  color: var(--text-primary);
  background: var(--bg-input);
  border: 1px solid var(--border-primary);
  border-radius: 6px;
  padding: 3px 8px;
  width: 90px;
  text-align: right;
  outline: none;
  font-family: Arial, sans-serif;
}
.ret-wrap .r-field-value:focus {
  border-color: var(--accent-tertiary);
  color: var(--accent-secondary);
}
.ret-wrap input[type=range] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: var(--bar-track);
  border-radius: 2px;
  outline: none;
  cursor: pointer;
}
.ret-wrap input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 14px;
  height: 14px;
  background: var(--accent-primary);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 6px rgba(255, 95, 16, .4);
}
.ret-wrap .r-age-hints {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--text-faint);
  margin-top: 4px;
}
.ret-wrap .r-save-btn {
  width: 100%;
  margin-top: 14px;
  padding: 10px;
  background: var(--accent-primary);
  border: none;
  border-radius: 8px;
  color: #ffffff;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .12em;
  text-transform: uppercase;
  cursor: pointer;
  transition: background var(--transition-fast), box-shadow var(--transition-fast);
}
.ret-wrap .r-save-btn:hover {
  background: var(--accent-secondary);
  box-shadow: 0 4px 16px rgba(255, 95, 16, 0.2);
}
.ret-wrap .r-save-status {
  text-align: center;
  font-size: 11px;
  color: var(--green);
  margin-top: 6px;
  height: 15px;
}
.ret-wrap .r-scenario-tabs {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 8px;
  margin-bottom: 12px;
}
.ret-wrap .r-tab {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: 9px;
  padding: 9px 10px;
  cursor: pointer;
  transition: all var(--transition-fast);
}
.ret-wrap .r-tab.active {
  background: var(--bg-card);
  border-color: var(--accent-primary);
}
.ret-wrap .r-tab-dot-row {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 4px;
}
.ret-wrap .r-tab-dot { width: 7px; height: 7px; border-radius: 50%; }
.ret-wrap .r-tab-title { font-size: 12px; font-weight: 700; }
.ret-wrap .r-tab-desc {
  font-size: 11px;
  color: var(--text-muted);
  line-height: 1.5;
}
.ret-wrap .r-chart-wrap {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: 12px;
  padding: 14px 12px 10px;
  margin-bottom: 12px;
}
.ret-wrap .r-chart-title {
  font-size: 11px;
  color: var(--text-secondary);
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 12px;
}
.ret-wrap .r-big-result {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: 11px;
  padding: 13px 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 9px;
}
.ret-wrap .r-big-result .br-label {
  font-size: 12px;
  color: var(--text-secondary);
  margin-bottom: 3px;
}
.ret-wrap .r-big-result .br-total {
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 28px;
  font-weight: 900;
  color: var(--gold);
}
.ret-wrap .r-big-result .br-monthly {
  font-size: 18px;
  font-weight: 700;
  color: var(--green);
}
.ret-wrap .r-big-result .br-monthly span {
  font-size: 12px;
  color: var(--text-dim);
}
.ret-wrap .r-breakdown-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 7px;
  margin-bottom: 9px;
}
.ret-wrap .r-breakdown-cell {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: 9px;
  padding: 9px 10px;
}
.ret-wrap .r-bc-header {
  display: flex;
  align-items: center;
  gap: 5px;
  margin-bottom: 2px;
}
.ret-wrap .r-bc-dot { width: 7px; height: 7px; border-radius: 50%; }
.ret-wrap .r-bc-label { font-size: 11px; color: var(--text-muted); }
.ret-wrap .r-bc-amount { font-size: 16px; font-weight: 700; }
.ret-wrap .r-bc-note {
  font-size: 11px;
  color: var(--text-faint);
  margin-top: 3px;
  line-height: 1.45;
}
.ret-wrap .r-compare-bar {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-md);
  padding: 11px 14px;
}
.ret-wrap .r-compare-title {
  font-size: 11px;
  color: var(--text-secondary);
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 10px;
}
.ret-wrap .r-compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 8px;
  text-align: center;
}
.ret-wrap .cg-label { font-size: 11px; margin-bottom: 4px; color: var(--text-muted); }
.ret-wrap .cg-total {
  font-size: 16px;
  font-weight: 700;
  color: var(--text);
}
.ret-wrap .cg-monthly {
  font-size: 11px;
  color: var(--text-muted);
  margin-top: 2px;
}
.ret-wrap .cg-real {
  font-size: 11px;
  color: var(--text-faint);
  margin-top: 2px;
  font-style: italic;
}
.ret-wrap footer {
  text-align: center;
  margin-top: 20px;
  color: var(--text-faint);
  font-size: 10px;
}

/* ══════════════════════════════════════
   FIRE STATUS BAR (always visible)
══════════════════════════════════════ */
#fireBar {
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-primary);
  padding: 10px 32px;
  transition: background var(--transition-med);
}
.fire-bar-inner {
  max-width: 960px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
}
.fire-stat {
  display: flex;
  flex-direction: column;
  padding: 0 20px 0 0;
  margin-right: 20px;
  border-right: 1px solid var(--border-secondary);
  min-width: 0;
}
.fire-stat:last-of-type { border-right: none; }
.fire-stat-label {
  font-size: 10px;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-bottom: 2px;
  white-space: nowrap;
}
.fire-stat-val {
  font-size: 14px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
  white-space: nowrap;
}
.fire-stat-val.orange { color: var(--accent-secondary); }
.fire-stat-val.green { color: var(--success); }
.fire-stat-val.dim { color: var(--text-muted); }
.fire-progress-wrap {
  flex: 1;
  min-width: 120px;
  padding-left: 8px;
}
.fire-progress-label {
  display: flex;
  justify-content: space-between;
  font-size: 10px;
  font-family: Arial, sans-serif;
  color: var(--text-muted);
  margin-bottom: 4px;
  letter-spacing: .04em;
}
.fire-progress-bg {
  height: 5px;
  background: var(--bar-track);
  border-radius: 10px;
  overflow: hidden;
}
.fire-progress-fill {
  height: 100%;
  background: var(--accent-gradient);
  border-radius: 10px;
  transition: width .6s ease;
}

/* ══════════════════════════════════════
   SETTINGS GEAR
══════════════════════════════════════ */
.settings-gear-btn {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-sm);
  padding: 7px 12px;
  color: var(--text-muted);
  font-size: 11px;
  font-family: Arial, sans-serif;
  font-weight: 700;
  letter-spacing: .06em;
  cursor: pointer;
  line-height: 1;
  transition: all var(--transition-fast);
}
.settings-gear-btn:hover {
  color: var(--accent-secondary);
  border-color: var(--border-accent);
  background: var(--bg-hover);
}

/* ══════════════════════════════════════
   SETTINGS PANEL OVERLAY
══════════════════════════════════════ */
#settingsOverlay {
  position: fixed;
  inset: 0;
  background: var(--overlay-bg);
  z-index: 8000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
#settingsOverlay.open { display: flex; }

.settings-panel {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: 14px;
  width: 820px;
  max-width: 96vw;
  height: 580px;
  max-height: calc(100vh - 48px);
  overflow: hidden;
  box-shadow: var(--shadow-elevated);
  display: flex;
  flex-direction: column;
}
.settings-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  border-bottom: 1px solid var(--border-primary);
  flex-shrink: 0;
}
.settings-title {
  font-size: 17px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
  letter-spacing: 0.02em;
}
.settings-close {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 22px;
  cursor: pointer;
  line-height: 1;
  padding: 4px 8px;
  border-radius: 6px;
  transition: color var(--transition-fast), background var(--transition-fast);
}
.settings-close:hover { color: var(--text-heading); background: var(--bg-hover); }

/* Two-column body */
.settings-layout {
  display: flex;
  flex: 1;
  overflow: hidden;
}

/* Left nav */
.settings-nav {
  width: 192px;
  min-width: 192px;
  background: var(--bg-secondary);
  border-right: 1px solid var(--border-primary);
  overflow-y: auto;
  scrollbar-width: none;
  padding: 10px 0 20px;
  flex-shrink: 0;
}
.settings-nav::-webkit-scrollbar { display: none; }
.settings-nav-group { margin-bottom: 6px; }
.settings-nav-label {
  font-size: 9.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.3px;
  color: var(--text-muted);
  padding: 12px 16px 4px;
  font-family: Arial, sans-serif;
}
.settings-nav-item {
  display: flex;
  align-items: center;
  width: 100%;
  text-align: left;
  padding: 8px 14px 8px 18px;
  background: none;
  border: none;
  border-left: 3px solid transparent;
  font-size: 13px;
  font-family: Arial, sans-serif;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all 0.12s;
  gap: 6px;
  white-space: nowrap;
}
.settings-nav-item:hover { background: var(--bg-hover); color: var(--text-heading); }
.settings-nav-item.active {
  background: var(--accent-bg);
  color: var(--accent-primary);
  font-weight: 700;
  border-left-color: var(--accent-primary);
}

/* Right column wrapper */
.settings-right {
  flex: 1;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

/* Right content area */
.settings-content {
  flex: 1;
  overflow-y: auto;
  overflow-x: hidden;
  background: var(--bg-card);
}

/* Individual settings pages */
.spage {
  padding: 26px 28px 24px;
  animation: spage-in 0.13s ease;
}
@keyframes spage-in {
  from { opacity: 0; transform: translateX(8px); }
  to   { opacity: 1; transform: translateX(0); }
}
.spage-title {
  font-size: 17px;
  font-weight: 900;
  font-family: 'Arial Black', Arial, sans-serif;
  color: var(--text-heading);
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border-primary);
  display: flex;
  align-items: center;
}

/* Shared row styles (used inside spages) */
.settings-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 16px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border-secondary);
}
.settings-row:last-child { margin-bottom: 0; padding-bottom: 0; border-bottom: none; }
.settings-row-label {
  font-size: 13px;
  color: var(--text-primary);
  font-family: Arial, sans-serif;
  font-weight: 600;
}
.settings-row-sub {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-top: 2px;
  line-height: 1.4;
}
.settings-row-value {
  font-size: 12px;
  font-family: Arial, sans-serif;
  font-weight: 600;
  color: var(--text-secondary);
  text-align: right;
  flex-shrink: 0;
}

.settings-input {
  background: var(--bg-elevated);
  border: 1.5px solid var(--border-primary);
  border-radius: 8px;
  color: var(--text-heading);
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 14px;
  font-weight: 900;
  padding: 8px 12px;
  width: 90px;
  text-align: right;
  outline: none;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  flex-shrink: 0;
}
.settings-input:focus {
  border-color: var(--accent-tertiary);
  box-shadow: 0 0 0 3px rgba(255,106,0,0.1);
}
.settings-hint {
  font-size: 11px;
  color: var(--text-faint);
  font-family: Arial, sans-serif;
  line-height: 1.6;
  margin: 4px 0 14px;
  padding: 8px 10px;
  background: var(--bg-elevated);
  border-radius: 6px;
  border: 1px solid var(--border-subtle);
}

/* Toggle switches inside settings pages */
.spage-toggle {
  position: relative;
  display: inline-flex;
  cursor: pointer;
  flex-shrink: 0;
}
.spage-toggle input { display: none; }
.spage-toggle-track {
  display: block;
  width: 42px;
  height: 24px;
  background: var(--bg-elevated);
  border: 1.5px solid var(--border-primary);
  border-radius: 12px;
  transition: background 0.2s, border-color 0.2s;
  position: relative;
}
.spage-toggle input:checked + .spage-toggle-track {
  background: var(--accent-primary);
  border-color: var(--accent-primary);
}
.spage-toggle-thumb {
  position: absolute;
  top: 2px;
  left: 2px;
  width: 16px;
  height: 16px;
  background: #fff;
  border-radius: 50%;
  transition: transform 0.2s;
  box-shadow: 0 1px 4px rgba(0,0,0,0.35);
}
.spage-toggle input:checked + .spage-toggle-track .spage-toggle-thumb { transform: translateX(18px); }

/* Inline action buttons */
.settings-action-btn {
  background: var(--bg-elevated);
  border: 1.5px solid var(--border-primary);
  border-radius: 8px;
  padding: 8px 14px;
  font-size: 12px;
  font-weight: 700;
  font-family: Arial, sans-serif;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all 0.12s;
  white-space: nowrap;
  flex-shrink: 0;
}
.settings-action-btn:hover { background: var(--bg-hover); color: var(--text-heading); border-color: var(--border-accent); }
.settings-action-btn--danger { color: var(--danger); border-color: rgba(255,64,64,0.4); }
.settings-action-btn--danger:hover { background: rgba(255,64,64,0.08); border-color: var(--danger); }

/* Accent action button (upgrade) */
.settings-action-btn--accent { background: var(--accent-primary); color: #fff; border-color: var(--accent-primary); }
.settings-action-btn--accent:hover { background: var(--accent-secondary); border-color: var(--accent-secondary); }

/* Session item */
.session-item { display:flex; align-items:center; justify-content:space-between; gap:12px; padding:10px 14px; border-radius:8px; background:var(--bg-secondary); border:1px solid var(--border); margin-bottom:8px; }
.session-item--current { border-color:var(--accent-primary); }
.session-info { display:flex; flex-direction:column; gap:3px; min-width:0; }
.session-device { font-size:13px; font-weight:600; color:var(--text-heading); }
.session-meta { font-size:11px; color:var(--text-sub); }
.session-badge { font-size:10px; font-weight:700; text-transform:uppercase; letter-spacing:.06em; color:var(--accent-primary); background:rgba(255,140,0,.1); border-radius:4px; padding:2px 7px; white-space:nowrap; flex-shrink:0; }

/* Keyboard shortcuts */
.shortcuts-group { margin-bottom:20px; }
.shortcuts-group-title { font-size:10px; font-weight:800; text-transform:uppercase; letter-spacing:1.2px; color:var(--text-muted); margin-bottom:8px; font-family:Arial,sans-serif; }
.shortcuts-row { display:flex; align-items:center; gap:16px; padding:6px 0; border-bottom:1px solid var(--border); }
.shortcuts-row:last-child { border-bottom:none; }
.shortcuts-keys { display:flex; align-items:center; gap:3px; min-width:120px; flex-shrink:0; }
.shortcuts-desc { font-size:13px; color:var(--text-secondary); }
kbd { display:inline-flex; align-items:center; justify-content:center; min-width:22px; height:22px; padding:0 6px; background:var(--bg-secondary); border:1px solid var(--border-primary); border-bottom-width:2px; border-radius:4px; font-size:11px; font-family:monospace; color:var(--text-heading); }

/* Trusted device list */
.trusted-device-item { display:flex; align-items:center; justify-content:space-between; gap:12px; padding:8px 0; border-bottom:1px solid var(--border); }
.trusted-device-item:last-child { border-bottom:none; }
.trusted-device-info { display:flex; flex-direction:column; gap:2px; min-width:0; }
.trusted-device-name { font-size:13px; color:var(--text-heading); font-weight:500; }
.trusted-device-badge { display:inline-block; font-size:11px; font-weight:600; color:var(--accent); background:rgba(var(--accent-rgb,255,140,0),0.12); border-radius:4px; padding:1px 5px; margin-left:4px; vertical-align:middle; }
.trusted-device-exp { font-size:12px; color:var(--text-sub); }

/* Link-style rows (Help, Feature Request) */
.spage-link-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border-secondary);
  cursor: pointer;
  transition: opacity 0.12s;
  border-radius: 4px;
}
.spage-link-item:last-child { border-bottom: none; }
.spage-link-item:hover { opacity: .75; }
.spage-link-icon { font-size: 20px; width: 34px; text-align: center; flex-shrink: 0; }
.spage-link-body { flex: 1; }
.spage-link-arrow { font-size: 22px; color: var(--text-muted); flex-shrink: 0; }

/* Changelog */
.spage-changelog-item {
  padding: 16px 0;
  border-bottom: 1px solid var(--border-secondary);
}
.spage-changelog-item:last-child { border-bottom: none; }
.spage-changelog-ver {
  font-size: 13px;
  font-weight: 700;
  font-family: Arial, sans-serif;
  color: var(--text-heading);
  margin-bottom: 2px;
}
.spage-changelog-date {
  font-size: 10px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-bottom: 8px;
}
.spage-changelog-list {
  margin: 0;
  padding-left: 18px;
  color: var(--text-secondary);
  font-size: 12px;
  font-family: Arial, sans-serif;
  line-height: 1.7;
}

/* Sticky footer */
.settings-footer {
  padding: 10px 24px;
  border-top: 1px solid var(--border-primary);
  background: var(--bg-card);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 12px;
}
.settings-save-btn {
  flex: none;
  padding: 8px 20px;
  background: var(--accent-primary);
  color: #fff;
  border: none;
  border-radius: 8px;
  font-family: Arial, sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: normal;
  text-transform: none;
  cursor: pointer;
  transition: background var(--transition-fast), box-shadow var(--transition-fast), transform 0.1s;
}
.settings-save-btn:hover { background: var(--accent-secondary); box-shadow: 0 2px 12px rgba(255,95,16,0.25); }
.settings-save-btn:active { transform: scale(0.98); }
.settings-save-msg {
  font-size: 12px;
  color: var(--success);
  font-family: Arial, sans-serif;
  font-weight: 700;
  white-space: nowrap;
}

/* Partner section button */
.pt-action-btn {
  background: var(--accent-primary);
  color: #fff;
  border: none;
  border-radius: 8px;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  font-size: 11px;
  font-weight: 900;
  letter-spacing: .1em;
  text-transform: uppercase;
  cursor: pointer;
  padding: 9px 18px;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background var(--transition-fast);
}
.pt-action-btn:hover { background: var(--accent-secondary); }
.pt-action-btn.full { width: 100%; margin: 6px 0; display: block; text-align: center; }

/* Light theme */
body.light-theme .settings-hint { background: #f0f0f0; border-color: #e0e0e0; }
body.light-theme .settings-nav { background: #ebebeb; }
body.light-theme .settings-nav-item:hover { background: rgba(0,0,0,0.06); }
body.light-theme .settings-nav-item.active { background: rgba(255,106,0,0.1); }

/* ══════════════════════════════════════
   NET WORTH PAGE
══════════════════════════════════════ */
.nw-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  align-items: start;
  margin-top: 4px;
}
.nw-card {
  background: var(--bg-card);
  border-radius: 12px;
  border: 1px solid var(--border-primary);
  overflow: hidden;
  margin-bottom: 14px;
  box-shadow: var(--shadow-card);
}
.nw-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 18px;
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-secondary);
}
.nw-card-title {
  font-size: 11px;
  font-weight: 700;
  color: var(--accent-secondary);
  letter-spacing: 1.2px;
  text-transform: uppercase;
  font-family: Arial, sans-serif;
}
.nw-card-total {
  font-size: 16px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
}
.nw-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 18px;
  border-bottom: 1px solid var(--border-subtle);
}
.nw-row:last-child { border-bottom: none; }
.nw-row-left {
  display: flex;
  align-items: center;
  gap: 8px;
  min-width: 0;
}
.nw-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}
.nw-row-name {
  font-size: 13px;
  color: var(--text-secondary);
  font-family: Arial, sans-serif;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.nw-row-sub {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.nw-row-val {
  font-size: 14px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  flex-shrink: 0;
  margin-left: 12px;
}
.nw-row-actions {
  display: flex;
  gap: 4px;
  flex-shrink: 0;
  margin-left: 8px;
}
.nw-add-row {
  display: flex;
  gap: 8px;
  padding: 10px 18px;
  border-top: 1px solid var(--border-secondary);
  background: var(--bg-primary);
}
.nw-add-input {
  flex: 1;
  background: var(--bg-input);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-sm);
  color: var(--text-primary);
  font-family: Arial, sans-serif;
  font-size: 13px;
  padding: 7px 10px;
  outline: none;
}
.nw-add-input:focus { border-color: var(--accent-tertiary); }
.nw-add-input.amt { width: 110px; flex: none; text-align: right; }
.nw-add-btn {
  background: var(--accent-primary);
  border: none;
  border-radius: var(--radius-sm);
  color: #fff;
  font-size: 18px;
  font-weight: 900;
  cursor: pointer;
  padding: 0 12px;
  line-height: 1;
  transition: background var(--transition-fast);
}
.nw-add-btn:hover { background: var(--accent-secondary); }
.nw-pulled-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 9px 18px;
  border-bottom: 1px solid var(--border-subtle);
  opacity: .8;
}
.nw-pulled-tag {
  font-size: 10px;
  color: var(--text-faint);
  font-family: Arial, sans-serif;
  letter-spacing: .3px;
  margin-left: 6px;
}

/* Net worth summary strip */
.nw-summary {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-top: 3px solid var(--accent-primary);
  border-radius: 12px;
  padding: 20px 24px;
  margin-bottom: 20px;
  box-shadow: var(--shadow-card);
}
.nw-summary-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
}
.nw-sum-item .nsl {
  font-size: 10px;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-bottom: 3px;
}
.nw-sum-item .nsv {
  font-size: 22px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
}
.nw-fire-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 10px;
}
.nw-fire-label {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.nw-fire-val {
  font-size: 13px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--accent-secondary);
}
.nw-fire-pct {
  font-size: 12px;
  color: var(--text-secondary);
  font-family: Arial, sans-serif;
}
.nw-fire-bar-bg {
  height: 8px;
  background: var(--bar-track);
  border-radius: 10px;
  overflow: hidden;
}
.nw-fire-bar-fill {
  height: 100%;
  background: var(--accent-gradient);
  border-radius: 10px;
  transition: width .6s;
}

/* ══════════════════════════════════════
   SIMULATOR PAGE
══════════════════════════════════════ */
#page-simulator { padding-bottom: 40px; }
.sim-section {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  margin-bottom: 18px;
  box-shadow: var(--shadow-card);
}
.sim-section-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border-secondary);
}
.sim-section-icon { font-size: 20px; }
.sim-section-title {
  font-size: 13px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
  letter-spacing: .04em;
}
.sim-section-sub {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-top: 2px;
}

/* ── Frequency Badges (savings goals) ── */
.freq-badge {
  font-size: 10px;
  font-weight: 700;
  font-family: Arial, sans-serif;
  padding: 2px 8px;
  border-radius: 10px;
  border: 1px solid;
  display: inline-block;
}
.freq-badge-monthly {
  background: rgba(112, 176, 224, 0.12);
  color: #70b0e0;
  border-color: rgba(112, 176, 224, 0.25);
}
.freq-badge-weekly {
  background: rgba(61, 232, 160, 0.1);
  color: var(--success);
  border-color: rgba(61, 232, 160, 0.2);
}
.freq-badge-bydate {
  background: var(--accent-bg);
  color: var(--accent-secondary);
  border-color: var(--border-accent);
}

/* ── Mode Toggle Buttons (savings schedule) ── */
.mode-toggle-btn {
  padding: 7px 16px;
  font-size: 11px;
  font-family: sans-serif;
  font-weight: 700;
  cursor: pointer;
  border: none;
  background: var(--bg-elevated);
  color: var(--text-muted);
  transition: background var(--transition-fast), color var(--transition-fast);
}
.mode-toggle-btn.active {
  background: var(--accent-primary);
  color: #ffffff;
}
.mode-toggle-btn:hover:not(.active) {
  color: var(--text-primary);
  background: var(--bg-hover);
}

/* ── Day Picker Buttons ── */
.day-pick-btn {
  padding: 5px 9px;
  border-radius: 7px;
  border: 1.5px solid var(--border-primary);
  background: var(--bg-elevated);
  color: var(--text-muted);
  font-size: 11px;
  font-family: sans-serif;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition-fast);
}
.day-pick-btn.active {
  background: var(--accent-primary);
  border-color: var(--accent-primary);
  color: #ffffff;
}
.day-pick-btn:hover:not(.active) {
  border-color: var(--accent-secondary);
  color: var(--text-primary);
}

/* Simulator Tab Bar */
/* ── Unified FIRE Model Selector ── */
.sim-model-bar {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 8px;
}
.sim-model-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  flex: 1;
  min-width: 80px;
  padding: 12px 8px;
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-md);
  background: var(--bg-secondary);
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--transition-fast);
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}
.sim-model-btn:hover {
  border-color: rgba(255,95,16,0.4);
  background: rgba(255,95,16,0.06);
  color: var(--text-primary);
}
.sim-model-btn.active {
  border-color: var(--accent);
  background: rgba(255,95,16,0.12);
  color: #ff7820;
  box-shadow: 0 0 0 1px rgba(255,95,16,0.3);
}
.smb-icon { font-size: 1.3rem; }
.smb-name { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.04em; text-align: center; }
.smb-mult { font-size: 0.68rem; opacity: 0.6; }
.sim-model-btn.active .smb-mult { opacity: 0.9; color: #ff5f10; }
body.light-theme .sim-model-btn.active { color: #cc5500; }
body.light-theme .sim-model-btn.active .smb-mult { color: #cc5500; }

@media (max-width: 520px) {
  .sim-model-btn { min-width: 60px; padding: 10px 4px; }
  .smb-name { font-size: 0.62rem; }
}

.sim-tab-bar {
  display: flex;
  gap: 4px;
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-lg);
  padding: 4px;
  margin-bottom: 18px;
}
.sim-tab-btn {
  flex: 1;
  padding: 10px 20px;
  border: none;
  border-radius: var(--radius-md);
  font-size: 12px;
  font-weight: 700;
  font-family: Arial, sans-serif;
  letter-spacing: .06em;
  text-transform: uppercase;
  cursor: pointer;
  background: transparent;
  color: var(--text-muted);
  transition: all var(--transition-fast);
}
.sim-tab-btn:hover {
  color: var(--text-primary);
  background: var(--bg-hover);
}
.sim-tab-btn.active {
  background: var(--accent-bg-strong);
  color: var(--accent-secondary);
  box-shadow: var(--shadow-subtle);
}

/* Calculator Layout */
.calc-layout {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 24px;
  align-items: start;
}
.calc-inputs {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.calc-input-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.calc-label {
  font-size: 11px;
  letter-spacing: .8px;
  color: var(--text-secondary);
  font-family: Arial, sans-serif;
  font-weight: 600;
}
.calc-slider-row {
  display: flex;
  align-items: center;
  gap: 10px;
}
.calc-range {
  -webkit-appearance: none;
  appearance: none;
  flex: 1;
  height: 5px;
  background: var(--bar-track);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 16px;
  height: 16px;
  background: var(--accent-primary);
  border: 2px solid var(--bg-card);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 6px rgba(255, 95, 16, 0.3);
  transition: transform 0.15s;
}
.calc-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}
.calc-range::-moz-range-thumb {
  width: 16px;
  height: 16px;
  background: var(--accent-primary);
  border: 2px solid var(--bg-card);
  border-radius: 50%;
  cursor: pointer;
}
.calc-num {
  width: 90px;
  flex-shrink: 0;
  background: var(--bg-input);
  border: 1.5px solid var(--border-primary);
  border-radius: 6px;
  color: var(--text-heading);
  font-family: Arial, sans-serif;
  font-size: 13px;
  font-weight: 700;
  padding: 6px 8px;
  text-align: right;
  outline: none;
  box-sizing: border-box;
  transition: border-color var(--transition-fast);
}
.calc-num:focus { border-color: var(--accent-tertiary); }

/* Calculator Results */
.calc-results {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.calc-result-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}
.calc-result-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  text-align: center;
}
.calc-result-card.accent {
  border-color: var(--border-accent);
  background: var(--accent-bg);
}
.crc-label {
  font-size: 10px;
  letter-spacing: 1.1px;
  text-transform: uppercase;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-bottom: 6px;
}
.crc-value {
  font-size: 22px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--accent-secondary);
  line-height: 1.2;
}
.calc-result-card.accent .crc-value { color: var(--accent-primary); }
.crc-sub {
  font-size: 10px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-top: 3px;
}

/* Calculator Chart */
.calc-chart-wrap {
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-md);
  padding: 16px;
  height: 320px;
  position: relative;
}

/* Calculator Table */
.calc-table-wrap {
  max-height: 300px;
  overflow-y: auto;
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-md);
}
.calc-table {
  width: 100%;
  border-collapse: collapse;
  font-family: Arial, sans-serif;
  font-size: 12px;
}
.calc-table thead {
  position: sticky;
  top: 0;
  z-index: 1;
}
.calc-table th {
  background: var(--bg-elevated);
  color: var(--text-muted);
  font-size: 10px;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-weight: 700;
  padding: 10px 12px;
  text-align: left;
  border-bottom: 1px solid var(--border-primary);
}
.calc-table td {
  padding: 8px 12px;
  color: var(--text-secondary);
  border-bottom: 1px solid var(--border-subtle);
}
.calc-table tbody tr:hover {
  background: var(--bg-hover);
}
.calc-table tbody tr:last-child td { border-bottom: none; }

/* FIRE Health Score */
.fire-score-layout {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 24px;
  align-items: center;
}
.fire-score-circle-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.fire-score-svg { width: 160px; height: 160px; }
.fire-score-label {
  font-size: 10px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.fire-score-grade {
  font-size: 13px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--accent-secondary);
  margin-top: 2px;
}
.fire-score-factors {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.fire-factor-row {
  display: flex;
  align-items: center;
  gap: 12px;
}
.ffl {
  font-size: 12px;
  color: var(--text-secondary);
  font-family: Arial, sans-serif;
  width: 160px;
  flex-shrink: 0;
}
.ffbar {
  flex: 1;
  height: 6px;
  background: var(--bar-track);
  border-radius: 4px;
  overflow: hidden;
}
.ffbar-fill {
  height: 100%;
  border-radius: 4px;
  transition: width .6s;
}
.ffval {
  font-size: 12px;
  font-weight: 700;
  font-family: Arial, sans-serif;
  width: 70px;
  text-align: right;
  flex-shrink: 0;
}

/* ══════════════════════════════════════
   HAMBURGER BUTTON (hidden on desktop)
══════════════════════════════════════ */
.hamburger-btn {
  display: none;
  background: none;
  border: 1.5px solid var(--border-primary);
  border-radius: var(--radius-sm);
  padding: 7px 8px;
  cursor: pointer;
  flex-direction: column;
  gap: 4px;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  transition: border-color var(--transition-fast);
}
.hamburger-btn:hover { border-color: var(--accent-secondary); }
.hamburger-line {
  display: block;
  width: 16px;
  height: 2px;
  background: var(--text-secondary);
  border-radius: 2px;
  transition: all .25s ease;
}
.hamburger-btn.open .hamburger-line:nth-child(1) {
  transform: translateY(6px) rotate(45deg);
  background: var(--accent-secondary);
}
.hamburger-btn.open .hamburger-line:nth-child(2) { opacity: 0; }
.hamburger-btn.open .hamburger-line:nth-child(3) {
  transform: translateY(-6px) rotate(-45deg);
  background: var(--accent-secondary);
}

/* ══════════════════════════════════════
   MOBILE SLIDE-OUT MENU
══════════════════════════════════════ */
.mobile-menu-overlay {
  position: fixed;
  inset: 0;
  background: var(--overlay-bg);
  z-index: 7000;
  opacity: 0;
  pointer-events: none;
  transition: opacity .25s ease;
  -webkit-backdrop-filter: blur(4px);
  backdrop-filter: blur(4px);
}
.mobile-menu-overlay.open { opacity: 1; pointer-events: auto; }
.mobile-menu {
  position: fixed;
  top: 0;
  right: -280px;
  width: 280px;
  height: 100%;
  background: var(--bg-card);
  border-left: 1px solid var(--border-primary);
  z-index: 7500;
  display: flex;
  flex-direction: column;
  transition: right .3s cubic-bezier(.4, 0, .2, 1);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  box-shadow: var(--shadow-elevated);
}
.mobile-menu.open { right: 0; }
.mobile-menu-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 20px 16px;
  border-bottom: 1px solid var(--border-primary);
}
.mobile-menu-title {
  font-size: 12px;
  font-weight: 900;
  font-family: 'Arial Black', 'Arial Bold', Arial, sans-serif;
  color: var(--text-heading);
  letter-spacing: .14em;
  text-transform: uppercase;
}
.mobile-menu-close {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 20px;
  cursor: pointer;
  padding: 4px 8px;
  line-height: 1;
}
.mobile-menu-close:hover { color: var(--text-heading); }
.mobile-menu-items { flex: 1; padding: 12px 0; }
.mobile-menu-item {
  display: flex;
  align-items: center;
  gap: 14px;
  width: 100%;
  padding: 14px 24px;
  border: none;
  background: transparent;
  color: var(--text-secondary);
  font-size: 14px;
  font-family: Arial, sans-serif;
  font-weight: 600;
  cursor: pointer;
  text-align: left;
  transition: all var(--transition-fast);
  letter-spacing: .02em;
}
.mobile-menu-item:hover {
  background: var(--bg-hover);
  color: var(--text-primary);
}
.mobile-menu-item.active {
  color: var(--accent-secondary);
  background: var(--accent-bg);
  border-right: 3px solid var(--accent-primary);
}
.mmi-icon {
  font-size: 18px;
  width: 24px;
  text-align: center;
  flex-shrink: 0;
}
.mobile-menu-footer {
  padding: 16px 20px 32px;
  border-top: 1px solid var(--border-primary);
}
.mobile-menu-signout {
  width: 100%;
  padding: 12px;
  border-radius: 8px;
  border: 1.5px solid var(--border-primary);
  background: transparent;
  color: var(--accent-secondary);
  font-size: 12px;
  font-family: Arial, sans-serif;
  font-weight: 700;
  cursor: pointer;
  letter-spacing: .06em;
  text-transform: uppercase;
  transition: all var(--transition-fast);
}
.mobile-menu-signout:hover {
  background: var(--accent-bg-strong);
  border-color: var(--accent-secondary);
}

/* ══════════════════════════════════════
   RESPONSIVE — TABLET (<=768px)
══════════════════════════════════════ */
@media (max-width: 768px) {
  /* Sidebar slides in from left on mobile */
  .sidebar {
    left: -260px;
    width: 260px;
    transition: left 0.28s cubic-bezier(0.4, 0, 0.2, 1);
    z-index: 510;
  }
  .sidebar.open { left: 0; }

  /* On mobile, don't stretch nav to fill height — let footer sit right below nav items */
  .sidebar-nav { flex: 0 0 auto; }
  .sidebar-footer { margin-top: 8px; }

  /* Shift content back to full width on mobile */
  .sidebar-toggle-btn { display: flex; }
  .main-wrap { margin-left: 0; }

  /* Restore header elements on mobile */
  header { display: block; padding: 0 16px; }
  .header-stripe { display: block; }
  .header-inner { max-width: 100%; padding: 6px 0 0; }
  .header-top-row { margin-bottom: 6px; }
  .header-brand-name { font-size: 15px; }

  /* Mobile topbar layout: [☰ left] [brand center] [⚙ right] */
  .header-brand { flex: 1; justify-content: center; }
  .header-actions { min-width: 36px; justify-content: flex-end; }

  /* Show hamburger for sidebar toggle; hide desktop-only elements */
  .hamburger-btn { display: flex; }
  .desktop-tabs { display: none; }
  .desktop-only { display: none; }

  /* FIRE bar — 2-column grid on mobile, all stats visible, no scroll needed */
  #fireBar { padding: 8px 12px; }
  .fire-bar-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    max-width: 100%;
    margin: 0;
  }
  .fire-stat {
    border-right: none;
    border-bottom: 1px solid var(--border-secondary);
    padding: 7px 10px;
    flex-direction: column;
    align-items: flex-start;
    width: auto;
    margin-right: 0;
    min-width: 0;
  }
  .fire-stat-label { font-size: 8px; margin-bottom: 2px; white-space: normal; }
  .fire-stat-val { font-size: 13px; white-space: normal; }
  /* Right-column stats get a left border as divider */
  .fire-stat:nth-child(even) { border-left: 1px solid var(--border-secondary); }
  /* Last two stats — remove bottom border */
  .fire-stat:nth-last-child(-n+2) { border-bottom: none; }
  /* Last stat (YEARS AWAY) — sits naturally in left column */
  .fire-stat:last-child { grid-column: auto; border-left: none; }
  .fire-progress-wrap { display: none; }

  /* Pages */
  .page { padding: 16px 12px; }

  /* Dashboard */
  .dash-grid { grid-template-columns: 1fr; }
  .dash-card-wide { grid-column: span 1; }
  .dash-stat-row { grid-template-columns: repeat(2, 1fr); }

  /* Budget */
  .budget-layout, .debt-layout { grid-template-columns: 1fr; }
  .bgt-row { display: grid; grid-template-columns: 1fr 1fr; flex-direction: unset; }
  .bgt-cell {
    border-right: 1px solid var(--border-primary);
    border-bottom: 1px solid var(--border-primary);
    min-width: 0;
    padding: 12px 12px;
  }
  .bgt-cell:nth-child(even) { border-right: none; }
  .bgt-cell:nth-last-child(-n+2) { border-bottom: none; }
  .bgt-cell:last-child { border-bottom: none; border-right: none; }
  .bgt-val { font-size: 15px; }
  .bgt-label { font-size: 10px; }
  .form-grid { grid-template-columns: 1fr; }

  /* Debt */
  header, .debt-hero, .summary-bar { padding-left: 12px; padding-right: 12px; }
  .extra-payment-bar { padding-left: 16px; padding-right: 16px; }

  /* Calendar */
  .cal-cell { min-height: 72px; padding: 5px 3px; }
  .cal-day-num { font-size: 11px; margin-bottom: 4px; }
  .cal-dow-cell { font-size: 9px; padding: 7px 2px; letter-spacing: 0; }
  /* Pills — hide amounts to save space, increase padding for tappability */
  .cal-pill { font-size: 9px; padding: 3px 5px; margin-bottom: 2px; gap: 2px; border-left-width: 2px; min-height: 18px; }
  .cal-pill-amt { display: none; }
  .cal-pill-name { font-size: 9px; }
  /* Show max 2 pills per cell — tap the day to see all */
  .cal-pill ~ .cal-pill ~ .cal-pill { display: none; }
  .cal-more { font-size: 9px; }
  .cal-nav { padding: 10px 12px; gap: 6px; }
  .cal-nav-title { font-size: 13px; white-space: nowrap; }
  .cal-nav-btn { padding: 5px 10px; font-size: 15px; }
  .cal-today-btn { padding: 4px 9px; font-size: 10px; }
  .cal-expand-btn { font-size: 10px; padding: 4px 9px; }

  /* Net Worth */
  .nw-layout { grid-template-columns: 1fr; }
  .nw-summary-grid { grid-template-columns: 1fr 1fr; }

  /* Retirement */
  .ret-wrap .r-main-grid { grid-template-columns: 1fr; }
  .ret-wrap .r-snapshot-grid { grid-template-columns: repeat(3, 1fr); }
  .ret-wrap .r-contribs-row { grid-template-columns: repeat(2, 1fr); }
  .ret-wrap .r-breakdown-grid { grid-template-columns: 1fr 1fr; }
  .ret-wrap .r-acct-hdr { grid-template-columns: 1fr 80px 80px 22px; }
  .ret-wrap .r-acct-row { grid-template-columns: 1fr 80px 80px 22px; }
  .ret-wrap .r-scenario-tabs { flex-direction: column; gap: 6px; }

  /* Simulator / Calculators */
  .calc-layout { grid-template-columns: 1fr; }
  .calc-result-cards { grid-template-columns: repeat(2, 1fr); }
  .calc-chart-wrap { height: 260px; }
  .fire-score-layout {
    grid-template-columns: 1fr;
    text-align: center;
    justify-items: center;
  }

  /* Settings — horizontal scrollable nav on mobile */
  .settings-panel { width: 100%; height: auto; max-height: 92vh; margin: 6px; border-radius: 14px; }
  .settings-layout { flex-direction: column; }
  .settings-nav {
    width: 100% !important;
    min-width: unset !important;
    border-right: none;
    border-bottom: 1px solid var(--border-primary);
    display: flex !important;
    flex-direction: row !important;
    flex-wrap: nowrap !important;
    overflow-x: auto !important;
    overflow-y: hidden;
    padding: 10px 12px;
    gap: 6px;
    scrollbar-width: none;
    -webkit-overflow-scrolling: touch;
    flex-shrink: 0;
    height: auto !important;
  }
  .settings-nav::-webkit-scrollbar { display: none; }
  .settings-nav-group { display: contents !important; }
  .settings-nav-label { display: none !important; }
  .settings-nav-item {
    width: auto !important;
    flex-shrink: 0 !important;
    padding: 7px 14px !important;
    border-left: none !important;
    border-radius: 20px !important;
    border: 1.5px solid var(--border-primary) !important;
    font-size: 12px !important;
    white-space: nowrap !important;
    background: var(--bg-elevated);
  }
  .settings-nav-item.active {
    border-color: var(--accent-primary) !important;
    background: var(--accent-bg) !important;
    color: var(--accent-primary) !important;
    font-weight: 700 !important;
    border-left-color: var(--accent-primary) !important;
  }
  .settings-content { overflow-y: auto; flex: 1; }
  .spage { padding: 18px 16px 24px; }
  .spage-title { font-size: 15px; margin-bottom: 16px; padding-bottom: 12px; }
  .settings-footer { justify-content: center; padding: 10px 16px; }
  .settings-save-btn { flex: 1; padding: 12px; font-size: 14px; border-radius: 10px; }

}

/* ══════════════════════════════════════
   RESPONSIVE — PHONE (<=480px)
══════════════════════════════════════ */
@media (max-width: 480px) {
  /* Header */
  header { padding: 0 10px; }
  .header-brand-name { font-size: 13px; letter-spacing: .08em; }

  /* FIRE bar — tighten on very small phones */
  #fireBar { padding: 6px 8px; }
  .fire-stat { padding: 6px 8px; }
  .fire-stat-label { font-size: 7.5px; }
  .fire-stat-val { font-size: 12px; }

  /* Pages */
  .page { padding: 12px 8px; }

  /* Net Worth */
  .nw-summary-grid { grid-template-columns: 1fr; }
  .nw-add-row { flex-direction: column; gap: 6px; }
  .nw-add-input.amt { width: 100%; }

  /* Retirement */
  .ret-wrap .r-snapshot-grid { grid-template-columns: repeat(2, 1fr); }
  .ret-wrap .r-compare-grid { grid-template-columns: 1fr; gap: 6px; }
  .ret-wrap .r-h1 { font-size: 22px; }
  .ret-wrap .r-acct-hdr { grid-template-columns: 1fr 65px 65px 20px; font-size: 8px; }
  .ret-wrap .r-acct-row { grid-template-columns: 1fr 65px 65px 20px; gap: 3px; padding: 6px 0; }
  .ret-wrap .r-acct-input { font-size: 11px; padding: 4px 5px; min-width: 0; }
  .ret-wrap .r-acct-row-label span.label-text { font-size: 10px; }
  .ret-wrap .r-acct-dot { width: 6px; height: 6px; }
  .ret-wrap .r-card { padding: 14px 10px; }
  .ret-wrap .r-card-label { font-size: 10px; }
  .ret-wrap .r-section-label { font-size: 9px; }
  .ret-wrap .r-contribs-row { grid-template-columns: 1fr 1fr; gap: 6px; }
  .ret-wrap .r-breakdown-grid { grid-template-columns: 1fr; }
  .ret-wrap .r-scenario-tabs { flex-direction: column; }
  .ret-wrap .r-tab { padding: 8px 10px; }
  .ret-wrap .r-field-header { flex-direction: column; align-items: flex-start; gap: 4px; }

  /* Calendar */
  .cal-cell { min-height: 64px; padding: 3px 3px; }
  .cal-pill { font-size: 7.5px; padding: 2px 3px; border-left-width: 2px; }
  .cal-pill-amt { display: none; }

  /* Budget bar */
  .budget-bar { padding: 10px 8px; }

  /* Login */
  .login-inner { padding: 24px 20px 20px; }

  /* Calculators phone */
  .calc-result-cards { grid-template-columns: 1fr 1fr; }
  .calc-chart-wrap { height: 220px; }
  .calc-num { width: 75px; font-size: 12px; }

  /* FIRE score */
  .ffl { width: 110px; font-size: 11px; }
  .ffval { width: 60px; font-size: 11px; }
}

/* ══════════════════════════════════════
   PRO FEATURE UI
══════════════════════════════════════ */

/* PRO badge — appears on tab buttons and inline feature labels */
.pro-badge {
  display: inline-flex;
  align-items: center;
  background: linear-gradient(135deg, #ff5f10, #ff8c00);
  color: #fff;
  font-size: 9px;
  font-weight: 900;
  letter-spacing: 0.06em;
  padding: 2px 6px;
  border-radius: 4px;
  text-transform: uppercase;
  vertical-align: middle;
  line-height: 1;
  margin-left: 4px;
}

/* Pro action button — used for "Compare Methods", "Export CSV", etc. */
.pro-action-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255, 95, 16, 0.08);
  border: 1px solid rgba(255, 95, 16, 0.25);
  color: #ff7820;
  padding: 8px 16px;
  border-radius: 8px;
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s, border-color 0.2s;
}
.pro-action-btn:hover {
  background: rgba(255, 95, 16, 0.14);
  border-color: rgba(255, 95, 16, 0.4);
}

/* Debt Method Comparison cards */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 12px;
}
.compare-card {
  background: #0f0f0f;
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px;
  padding: 14px 16px;
  position: relative;
}
.compare-card-best {
  border-color: rgba(61, 232, 160, 0.3);
  background: rgba(61, 232, 160, 0.03);
}
.compare-badge {
  position: absolute;
  top: -10px;
  left: 50%;
  transform: translateX(-50%);
  background: #3de8a0;
  color: #000;
  font-size: 9px;
  font-weight: 900;
  letter-spacing: 0.06em;
  padding: 3px 10px;
  border-radius: 999px;
  white-space: nowrap;
}
.compare-method {
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 2px;
}
.compare-sub {
  font-size: 11px;
  color: #666;
  margin-bottom: 10px;
}
.compare-stat {
  font-size: 1.6rem;
  font-weight: 900;
  color: #ff7820;
  line-height: 1;
  margin-bottom: 4px;
}
.compare-stat span {
  font-size: 12px;
  font-weight: 400;
  color: #666;
}
.compare-interest {
  font-size: 12px;
  color: #aaa;
  margin-bottom: 8px;
}
.compare-note {
  font-size: 11px;
  color: #666;
  font-style: italic;
}
.compare-summary {
  margin-top: 12px;
  padding: 10px 14px;
  background: rgba(61,232,160,0.06);
  border: 1px solid rgba(61,232,160,0.15);
  border-radius: 8px;
  font-size: 13px;
  color: #aaa;
  text-align: center;
}

/* FIRE Strategy Preset buttons */
.fire-preset-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  color: #aaa;
  padding: 8px 14px;
  border-radius: 8px;
  font-size: 0.83rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.18s ease;
}
.fire-preset-btn span {
  font-size: 10px;
  color: #555;
  font-weight: 400;
}
.fire-preset-btn:hover {
  border-color: rgba(255, 95, 16, 0.35);
  color: #e8e8e8;
  background: rgba(255, 95, 16, 0.07);
}
.fire-preset-btn.active {
  background: rgba(255, 95, 16, 0.12);
  border-color: rgba(255, 95, 16, 0.45);
  color: #ff7820;
}
.fire-preset-btn.active span {
  color: #ff5f10;
}
body.light-theme .fire-preset-btn {
  background: var(--bg-secondary);
  border-color: var(--border-primary);
  color: var(--text-muted);
}
body.light-theme .fire-preset-btn span {
  color: var(--text-muted);
}
body.light-theme .fire-preset-btn:hover {
  border-color: rgba(255, 95, 16, 0.45);
  color: #cc5500;
  background: rgba(255, 95, 16, 0.07);
}
body.light-theme .fire-preset-btn.active {
  background: rgba(255, 95, 16, 0.1);
  border-color: rgba(255, 95, 16, 0.5);
  color: #cc5500;
}
body.light-theme .fire-preset-btn.active span {
  color: #cc5500;
}

/* Pro action row (dashboard export / what-if bar) */
.pro-actions-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  align-items: center;
  padding: 14px 18px;
  background: rgba(255,95,16,0.04);
  border: 1px solid rgba(255,95,16,0.15);
  border-radius: 12px;
  margin-top: 20px;
  margin-bottom: 0;
}
.pro-actions-row-label {
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #555;
  font-weight: 700;
  flex-shrink: 0;
}

@media (max-width: 600px) {
  .compare-grid { grid-template-columns: 1fr; }
  .fire-preset-btn { font-size: 0.78rem; padding: 7px 11px; }
  .pro-actions-row { padding: 12px 14px; }
}

/* ── FIRE Milestone Badges ─────────────────────────────────── */
.milestones-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 10px;
}
.milestone-tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
  padding: 14px 8px 12px;
  text-align: center;
  transition: border-color 0.2s, background 0.2s;
  opacity: 0.38;
  filter: grayscale(0.6);
}
.milestone-tile.earned {
  opacity: 1;
  filter: none;
  border-color: rgba(255,255,255,0.12);
  background: rgba(255,255,255,0.04);
}
.milestone-icon {
  font-size: 1.9rem;
  line-height: 1;
}
.milestone-pct {
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--text-secondary);
  letter-spacing: -0.3px;
}
.milestone-label {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--text-secondary);
  letter-spacing: 0.02em;
}
.milestone-sub {
  font-size: 0.65rem;
  color: var(--text-muted);
}
@media (max-width: 600px) {
  .milestones-grid { grid-template-columns: repeat(3, 1fr); }
  .milestone-tile:nth-child(4) { grid-column: 1 / 2; }
  .milestone-tile:nth-child(5) { grid-column: 2 / 4; }
}

/* ── Saved Scenarios Bar ───────────────────────────────────── */
.scenarios-bar {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 14px;
  padding: 10px 14px;
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
}
.scenario-save-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,95,16,0.1);
  border: 1px solid rgba(255,95,16,0.25);
  border-radius: 8px;
  padding: 6px 13px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--accent);
  cursor: pointer;
  transition: background 0.2s, border-color 0.2s;
  white-space: nowrap;
  flex-shrink: 0;
}
.scenario-save-btn:hover { background: rgba(255,95,16,0.18); border-color: rgba(255,95,16,0.5); }
.scenarios-list {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  flex: 1;
  align-items: center;
}
.sc-empty {
  font-size: 0.75rem;
  color: var(--text-muted);
  font-style: italic;
}
.scenario-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 20px;
  padding: 4px 10px 4px 8px;
  font-size: 0.78rem;
  transition: border-color 0.2s;
}
.scenario-chip:hover { border-color: rgba(255,95,16,0.3); }
.sc-icon { font-size: 0.85rem; }
.sc-name {
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  max-width: 120px;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}
.sc-name:hover { color: var(--accent); text-decoration: underline; }
.sc-date { font-size: 0.68rem; color: var(--text-muted); }
.sc-del {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 1rem;
  line-height: 1;
  cursor: pointer;
  padding: 0 2px;
  transition: color 0.15s;
}
.sc-del:hover { color: #ff5f5f; }

/* ── Export / Print Report Modal ──────────────────────────── */
.export-modal-inner {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: 16px;
  width: 100%;
  max-width: 780px;
  overflow: hidden;
}
.export-modal-toolbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-secondary);
  position: sticky;
  top: 0;
  z-index: 1;
}
.export-print-btn {
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: 8px;
  padding: 8px 18px;
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s;
}
.export-print-btn:hover { background: var(--accent-hover); }
.export-close-btn {
  background: none;
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  color: var(--text-secondary);
  font-size: 1rem;
  width: 34px;
  height: 34px;
  cursor: pointer;
  transition: border-color 0.15s, color 0.15s;
}
.export-close-btn:hover { border-color: #ff5f5f; color: #ff5f5f; }
.export-content {
  padding: 28px 32px;
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}
.er-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 24px;
  padding-bottom: 20px;
  border-bottom: 2px solid rgba(255,95,16,0.3);
}
.er-logo { font-size: 1.4rem; font-weight: 900; letter-spacing: -0.5px; }
.er-tagline { font-size: 0.75rem; color: var(--text-muted); margin-top: 2px; }
.er-date-val { font-size: 0.85rem; font-weight: 600; text-align: right; }
.er-age-val { font-size: 0.72rem; color: var(--text-muted); text-align: right; margin-top: 2px; }
.er-progress-wrap { margin-bottom: 22px; }
.er-progress-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--text-secondary);
  margin-bottom: 6px;
}
.er-prog-bg {
  height: 8px;
  background: rgba(255,255,255,0.06);
  border-radius: 4px;
  overflow: hidden;
}
.er-prog-fill {
  height: 100%;
  background: linear-gradient(90deg, #ff5f10, #ff9040);
  border-radius: 4px;
  transition: width 0.6s ease;
}
.er-kpi-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 22px;
}
.er-kpi {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 10px;
  padding: 14px 12px;
  text-align: center;
}
.er-kpi-val {
  font-size: 1.15rem;
  font-weight: 800;
  letter-spacing: -0.5px;
  color: var(--text);
}
.er-kpi-lbl {
  font-size: 0.68rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-top: 4px;
}
.er-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 8px;
}
.er-section {
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 10px;
  padding: 16px;
}
.er-section-title {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 12px;
}
.er-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 5px 0;
  font-size: 0.85rem;
  border-bottom: 1px solid rgba(255,255,255,0.04);
}
.er-row:last-child { border-bottom: none; }
.er-sub { padding-left: 10px; font-size: 0.78rem; color: var(--text-secondary); }
.er-neg span:last-child { color: #ff7060; }
.er-total { font-weight: 700; padding-top: 8px; border-top: 1px solid rgba(255,255,255,0.1) !important; }
.er-debt-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: 8px;
}
.er-debt-item {
  background: rgba(255,255,255,0.03);
  border-radius: 8px;
  padding: 10px 12px;
}
.er-debt-name { font-size: 0.82rem; font-weight: 600; margin-bottom: 2px; }
.er-debt-rate { font-size: 0.7rem; color: var(--text-muted); }
.er-debt-bal { font-size: 0.9rem; font-weight: 700; color: #ff7060; margin-top: 4px; }
.er-goals-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 10px;
}
.er-goal { background: rgba(255,255,255,0.03); border-radius: 8px; padding: 10px 12px; }
.er-goal-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 6px;
  font-size: 0.82rem;
  font-weight: 600;
}
.er-goal-bar-bg {
  height: 5px;
  background: rgba(255,255,255,0.07);
  border-radius: 3px;
  overflow: hidden;
  margin-bottom: 5px;
}
.er-goal-bar { height: 100%; border-radius: 3px; }
.er-goal-nums { font-size: 0.7rem; color: var(--text-muted); }
.er-footer {
  margin-top: 28px;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,0.06);
  font-size: 0.7rem;
  color: var(--text-muted);
  text-align: center;
}
@media (max-width: 600px) {
  .export-content { padding: 20px 18px; }
  .er-kpi-row { grid-template-columns: repeat(2, 1fr); }
  .er-two-col { grid-template-columns: 1fr; }
  .er-header { flex-direction: column; gap: 8px; }
  .er-date-val, .er-age-val { text-align: left; }
}

/* ── Print styles ─────────────────────────────────────────── */
@media print {
  body > *:not(#exportModal) { display: none !important; }
  #exportModal {
    position: static !important;
    background: white !important;
    padding: 0 !important;
    display: block !important;
  }
  .export-modal-inner {
    border: none !important;
    border-radius: 0 !important;
    background: white !important;
    max-width: 100% !important;
  }
  .export-modal-toolbar { display: none !important; }
  .export-content {
    color: #111 !important;
    padding: 20px !important;
  }
  .er-section, .er-kpi, .er-debt-item, .er-goal {
    background: #f9f9f9 !important;
    border-color: #ddd !important;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }
  .er-logo, .er-kpi-val { color: #111 !important; }
  .er-tagline, .er-date-val, .er-age-val, .er-kpi-lbl, .er-section-title,
  .er-sub, .milestone-sub, .er-footer { color: #666 !important; }
}

/* ── Advanced Tools Divider ────────────────────────────── */
.adv-tools-divider {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 0 0 20px;
  color: var(--text-muted);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.adv-tools-divider::before,
.adv-tools-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border-secondary);
}

/* ── Advanced Section Shell ────────────────────────────── */
.adv-section {
  margin-bottom: 20px;
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.adv-section-header {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 18px 22px;
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-secondary);
}
.adv-section-icon { font-size: 1.4rem; line-height: 1; flex-shrink: 0; margin-top: 2px; }
.adv-section-title {
  font-size: 1rem;
  font-weight: 800;
  letter-spacing: -0.3px;
  color: var(--text);
  margin-bottom: 3px;
}
.adv-section-sub { font-size: 0.78rem; color: var(--text-muted); }
.adv-section-body { padding: 22px; }
.adv-two-col {
  display: grid;
  grid-template-columns: 270px 1fr;
  gap: 24px;
  align-items: start;
}
.adv-text-input {
  width: 100%;
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: 8px;
  padding: 9px 13px;
  color: var(--text);
  font-size: 0.95rem;
  transition: border-color 0.2s;
}
.adv-text-input:focus { outline: none; border-color: rgba(255,95,16,0.5); }
.adv-select {
  width: 100%;
  background: var(--bg-secondary);
  border: 1px solid var(--border-primary);
  border-radius: 8px;
  padding: 9px 13px;
  color: var(--text);
  font-size: 0.85rem;
  cursor: pointer;
  transition: border-color 0.2s;
}
.adv-select:focus { outline: none; border-color: rgba(255,95,16,0.5); }
.adv-chart-wrap { height: 220px; margin-bottom: 16px; }
.adv-results { min-width: 0; }

/* Withdrawal table */
.wd-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
  margin-top: 4px;
}
.wd-table th {
  text-align: left;
  padding: 6px 8px;
  color: var(--text-muted);
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.wd-table td {
  padding: 8px 8px;
  color: var(--text-secondary);
  border-bottom: 1px solid rgba(255,255,255,0.04);
  font-size: 0.8rem;
}
.wd-table tr:last-child td { border-bottom: none; }

/* Social Security */
.ss-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 0;
}
.ss-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 12px;
  padding: 16px 10px 14px;
  text-align: center;
  position: relative;
  transition: border-color 0.2s;
}
.ss-highlight {
  border-color: rgba(255,95,16,0.3);
  background: rgba(255,95,16,0.05);
}
.ss-rec-tag {
  position: absolute;
  top: -1px; left: 50%;
  transform: translateX(-50%);
  background: var(--accent);
  color: #fff;
  font-size: 0.58rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  padding: 2px 8px;
  border-radius: 0 0 6px 6px;
  white-space: nowrap;
}
.ss-card-age { font-size: 0.7rem; color: var(--text-muted); margin-bottom: 6px; margin-top: 6px; }
.ss-card-amount { font-size: 1.25rem; font-weight: 800; color: var(--text); line-height: 1.1; }
.ss-per-mo { font-size: 0.68rem; font-weight: 400; color: var(--text-muted); }
.ss-card-annual { font-size: 0.72rem; color: var(--text-secondary); margin-top: 3px; }
.ss-card-lifetime {
  font-size: 0.68rem;
  color: var(--text-muted);
  margin-top: 8px;
  padding-top: 6px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.ss-break-even {
  margin-top: 16px;
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 10px;
  padding: 14px;
}
.ss-be-title {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 10px;
}
.ss-be-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.82rem;
  color: var(--text-secondary);
  padding: 5px 0;
  border-bottom: 1px solid rgba(255,255,255,0.04);
}
.ss-be-row:last-of-type { border-bottom: none; }
.ss-be-row span:last-child { color: #ff7820; font-weight: 700; }
.ss-be-note {
  font-size: 0.7rem;
  color: var(--text-muted);
  margin-top: 8px;
  font-style: italic;
  line-height: 1.5;
}
.est-badge {
  display: inline-block;
  background: rgba(255,150,0,0.12);
  color: #ff9040;
  font-size: 0.62rem;
  font-weight: 700;
  padding: 1px 6px;
  border-radius: 10px;
  border: 1px solid rgba(255,150,0,0.22);
  letter-spacing: 0.04em;
  vertical-align: middle;
  margin-left: 4px;
}

/* Geographic Arbitrage */
.ga-compare {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 14px;
  align-items: center;
  margin-bottom: 14px;
}
.ga-compare-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px;
  padding: 16px;
}
.ga-dest { border-color: rgba(61,232,160,0.2); background: rgba(61,232,160,0.04); }
.ga-compare-label {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text-secondary);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px;
}
.ga-col-badge {
  display: inline-block;
  background: rgba(61,232,160,0.12);
  color: #3de8a0;
  font-size: 0.62rem;
  font-weight: 700;
  padding: 1px 7px;
  border-radius: 10px;
}
.ga-stat-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.82rem;
  color: var(--text-secondary);
  padding: 5px 0;
  border-bottom: 1px solid rgba(255,255,255,0.04);
}
.ga-stat-row:last-child { border-bottom: none; }
.ga-green { color: #3de8a0 !important; font-weight: 600; }
.ga-compare-arrow { font-size: 1.4rem; color: var(--text-muted); text-align: center; }
.ga-savings {
  display: flex;
  align-items: center;
  gap: 24px;
  background: rgba(255,95,16,0.06);
  border: 1px solid rgba(255,95,16,0.18);
  border-radius: 12px;
  padding: 18px 22px;
  flex-wrap: wrap;
}
.ga-savings-stat { flex: 1; min-width: 140px; }
.ga-savings-val {
  font-size: 1.4rem;
  font-weight: 800;
  color: #ff7820;
  letter-spacing: -0.5px;
  line-height: 1.1;
}
.ga-savings-lbl { font-size: 0.75rem; color: var(--text-muted); margin-top: 3px; }
.ga-savings-divider { width: 1px; height: 44px; background: rgba(255,255,255,0.07); flex-shrink: 0; }

@media (max-width: 720px) {
  .adv-two-col { grid-template-columns: 1fr; }
  .ss-cards-grid { grid-template-columns: repeat(2, 1fr); }
  .ga-compare { grid-template-columns: 1fr; }
  .ga-compare-arrow { display: none; }
  .ga-savings { gap: 14px; }
}

/* ══ COUPLE SWITCHER (sidebar) ══ */
.couple-switcher {
  display: flex;
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  border-radius: 10px;
  padding: 3px;
  margin: 0 10px 4px;
  gap: 2px;
}
.csw-btn {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  padding: 7px 4px;
  border-radius: 7px;
  border: none;
  background: transparent;
  cursor: pointer;
  transition: background var(--transition-fast), color var(--transition-fast);
}
.csw-btn .csw-icon { font-size: 14px; line-height: 1; }
.csw-btn .csw-label { font-size: 10px; font-weight: 700; letter-spacing: 0.03em; color: var(--text-faint); text-transform: uppercase; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; max-width: 56px; }
.csw-btn.active { background: rgba(255,95,16,0.12); }
.csw-btn.active .csw-label { color: var(--accent-secondary); }
.csw-btn:hover:not(.active) { background: rgba(255,255,255,0.04); }
body.light-theme .csw-btn:hover:not(.active) { background: rgba(0,0,0,0.04); }

/* ══ VIEW BANNER ══ */
.view-banner {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,95,16,0.08);
  border-bottom: 1px solid rgba(255,95,16,0.2);
  padding: 8px 20px;
  font-size: 12px;
  font-weight: 600;
  color: var(--accent-secondary);
  font-family: Arial, sans-serif;
}
.view-banner-close {
  margin-left: auto;
  background: none;
  border: 1px solid rgba(255,95,16,0.3);
  border-radius: 6px;
  color: var(--accent-secondary);
  font-size: 11px;
  font-weight: 600;
  padding: 4px 10px;
  cursor: pointer;
  transition: background var(--transition-fast);
}
.view-banner-close:hover { background: rgba(255,95,16,0.1); }

/* ══ READ-ONLY MODE (partner / household view) ══
   Disables all interactive elements inside .page content.
   viewBanner, sidebar, header, and couples-switcher are outside .page so remain clickable. */
body.ft-readonly .page input,
body.ft-readonly .page textarea,
body.ft-readonly .page select {
  pointer-events: none;
  opacity: 0.6;
  cursor: not-allowed;
}
body.ft-readonly .page button {
  pointer-events: none;
  opacity: 0.45;
  cursor: not-allowed;
}
body.ft-readonly .page label { cursor: not-allowed; }
/* Block div/span onclick handlers (income box, calendar cells, etc.) */
body.ft-readonly .page [onclick] {
  pointer-events: none;
  cursor: default;
}
/* Also lock the budget summary bar which lives outside .page */
body.ft-readonly #budgetBar [onclick],
body.ft-readonly #budgetBar input,
body.ft-readonly #budgetBar button,
body.ft-readonly #budgetBar textarea,
body.ft-readonly #budgetBar select {
  pointer-events: none;
  cursor: default;
  opacity: 0.6;
}

/* ══ PARTNER MODE SETTINGS ══ */
.pt-invite-code-box {
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  border-radius: 10px;
  padding: 16px;
  text-align: center;
  margin: 8px 0;
}
.pt-code-display {
  font-size: 2rem;
  font-weight: 900;
  letter-spacing: 0.18em;
  color: var(--accent-secondary);
  font-family: 'Arial Black', Arial, sans-serif;
  margin-bottom: 10px;
}
.pt-code-actions {
  display: flex;
  gap: 8px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 8px;
}
.pt-code-btn {
  background: rgba(255,95,16,0.1);
  border: 1px solid rgba(255,95,16,0.25);
  border-radius: 7px;
  color: var(--accent-secondary);
  font-size: 11px;
  font-weight: 700;
  padding: 7px 14px;
  cursor: pointer;
  transition: background var(--transition-fast);
}
.pt-code-btn:hover { background: rgba(255,95,16,0.18); }
.pt-code-btn.secondary {
  background: var(--bg-elevated);
  border-color: var(--border-primary);
  color: var(--text-muted);
}
.pt-partner-card {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  border-radius: 10px;
  padding: 12px 14px;
  margin: 8px 0;
}
.pt-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 700;
  flex-shrink: 0;
  color: #fff;
}
.pt-partner-name { font-size: 13px; font-weight: 700; color: var(--text-primary); }
.pt-partner-status { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
.pt-enter-code-row {
  display: flex;
  gap: 8px;
  align-items: center;
  margin-top: 8px;
}
.pt-code-input {
  flex: 1;
  background: var(--bg-input);
  border: 1px solid var(--border-primary);
  border-radius: 7px;
  color: var(--text-primary);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 8px 12px;
  font-family: 'Arial Black', Arial, sans-serif;
}
.pt-code-input::placeholder { letter-spacing: 0.05em; font-weight: 400; text-transform: none; color: var(--text-faint); }
.pt-status-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 10px;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 20px;
  letter-spacing: 0.05em;
}
.pt-status-badge.active { background: rgba(61,232,160,0.12); color: var(--success); }
.pt-status-badge.pending { background: rgba(255,140,0,0.12); color: var(--warning); }
.pt-divider { height: 1px; background: var(--border-secondary); margin: 12px 0; }
.pt-danger-btn {
  background: none;
  border: 1px solid rgba(255,64,64,0.3);
  border-radius: 7px;
  color: var(--danger);
  font-size: 11px;
  font-weight: 600;
  padding: 7px 14px;
  cursor: pointer;
  transition: background var(--transition-fast);
  width: 100%;
  margin-top: 4px;
}
.pt-danger-btn:hover { background: rgba(255,64,64,0.08); }
.pt-info-text { font-size: 11px; color: var(--text-muted); line-height: 1.5; margin: 6px 0; }
.pt-pending-note {
  text-align: center;
  padding: 12px;
  background: rgba(255,140,0,0.06);
  border: 1px solid rgba(255,140,0,0.15);
  border-radius: 8px;
  font-size: 12px;
  color: var(--warning);
  margin: 8px 0;
}

/* Privacy toggles — reuse theme-switch style but smaller */
.privacy-switch .theme-switch { width: 38px; height: 22px; }
.privacy-switch .theme-switch-thumb { width: 14px; height: 14px; top: 3px; left: 3px; }
.privacy-on .theme-switch { background: #3de8a0; border-color: rgba(61,232,160,0.3); }
.privacy-on .theme-switch-thumb { left: 19px; background: #fff; }
body.light-theme .privacy-on .theme-switch { background: var(--success); }

/* Duplicate resolution banners */
.dup-banner {
  background: rgba(255,140,0,0.07);
  border: 1px solid rgba(255,140,0,0.2);
  border-radius: 10px;
  padding: 12px 14px;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.dup-banner-text { flex: 1; min-width: 140px; }
.dup-banner-title { font-size: 12px; font-weight: 700; color: var(--warning); }
.dup-banner-sub { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
.dup-banner-actions { display: flex; gap: 6px; flex-shrink: 0; }
.dup-btn { font-size: 11px; font-weight: 700; padding: 5px 10px; border-radius: 6px; cursor: pointer; border: 1px solid; transition: background var(--transition-fast); }
.dup-btn.once { background: rgba(255,95,16,0.1); border-color: rgba(255,95,16,0.3); color: var(--accent-secondary); }
.dup-btn.both { background: rgba(61,232,160,0.1); border-color: rgba(61,232,160,0.25); color: var(--success); }
.dup-btn.dismiss { background: var(--bg-elevated); border-color: var(--border-primary); color: var(--text-muted); }
.dup-btn:hover { opacity: 0.8; }

body.light-theme .pt-partner-card { background: #f8f8f8; }
body.light-theme .pt-invite-code-box { background: #f4f4f4; }
body.light-theme .privacy-on .theme-switch { background: #0fa860; }

/* ══════════════════════════════════════
   IN-APP NOTIFICATION TOASTS
══════════════════════════════════════ */
.notif-toast {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 16px;
  border-radius: 12px;
  min-width: 260px;
  max-width: 340px;
  box-shadow: 0 6px 24px rgba(0,0,0,0.4);
  opacity: 0;
  transform: translateX(30px);
  transition: opacity 0.3s ease, transform 0.3s ease;
  cursor: pointer;
  font-family: Arial, sans-serif;
  font-size: 13px;
  line-height: 1.45;
}
.notif-toast.notif-show {
  opacity: 1;
  transform: translateX(0);
}
.notif-toast.notif-info {
  background: var(--bg-elevated);
  border: 1px solid var(--border-primary);
  color: var(--text-primary);
}
.notif-toast.notif-success {
  background: var(--success-bg);
  border: 1px solid var(--success-border);
  color: var(--success);
}
.notif-toast.notif-warning {
  background: var(--warning-bg);
  border: 1px solid rgba(255,215,0,0.3);
  color: var(--text-primary);
}
.notif-icon { font-size: 16px; flex-shrink: 0; margin-top: 1px; }
.notif-msg strong { font-weight: 700; }

body.light-theme .notif-toast { box-shadow: 0 6px 24px rgba(0,0,0,0.12); }
body.light-theme .notif-toast.notif-info { background: #ffffff; border-color: rgba(0,0,0,0.12); }
body.light-theme .notif-toast.notif-success { background: #f0fdf6; border-color: rgba(0,160,80,0.2); color: #0a8050; }
body.light-theme .notif-toast.notif-warning { background: #fffbea; border-color: rgba(180,140,0,0.25); }

@media (max-width: 480px) {
  #notifToastContainer { bottom: 16px; right: 12px; left: 12px; }
  .notif-toast { min-width: 0; max-width: 100%; }
}

/* ══════════════════════════════════════
   EMPTY STATE GUIDES
══════════════════════════════════════ */
.empty-state-guide {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 32px 20px 28px;
  gap: 8px;
}
.esg-icon {
  font-size: 32px;
  margin-bottom: 4px;
  opacity: 0.8;
}
.esg-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  font-family: Arial, sans-serif;
}
.esg-text {
  font-size: 13px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  max-width: 300px;
  line-height: 1.5;
}

/* ══════════════════════════════════════
   TABLET RESPONSIVE (769–1024px)
══════════════════════════════════════ */
@media (min-width: 769px) and (max-width: 1024px) {
  .page { padding: 20px 16px; }
  .dash-grid { grid-template-columns: repeat(2, 1fr); }
  .dash-card-wide { grid-column: span 2; }
  .dash-stat-row { grid-template-columns: repeat(2, 1fr); }
  .ret-wrap { padding: 24px 16px 40px; }
  .r-snapshot-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ══════════════════════════════════════
   SUBSCRIPTIONS
══════════════════════════════════════ */
.sub-summary-bar {
  display: flex;
  align-items: center;
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: 12px;
  padding: 16px 20px;
  margin-bottom: 20px;
  gap: 0;
  flex-wrap: wrap;
}
.sub-sum-cell {
  flex: 1;
  min-width: 100px;
  text-align: center;
}
.sub-sum-divider {
  width: 1px;
  height: 36px;
  background: var(--border-primary);
}
.sub-sum-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  margin-bottom: 4px;
}
.sub-sum-val {
  font-size: 1.25rem;
  font-weight: 900;
  font-family: 'Arial Black', Arial, sans-serif;
  color: var(--text-heading);
}
.sub-sum-val--muted { color: var(--text-muted); font-size: 1.1rem; }

.sub-card {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: 12px;
  padding: 14px 16px;
  margin-bottom: 10px;
  transition: border-color .15s;
}
.sub-card:hover { border-color: var(--border-secondary); }
.sub-card--paused { opacity: 0.5; filter: grayscale(40%); border-style: dashed; }
.sub-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  flex-wrap: wrap;
}
.sub-card-left {
  display: flex;
  align-items: center;
  gap: 12px;
  flex: 1;
  min-width: 0;
}
.sub-card-icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.sub-card-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--text-heading);
  font-family: Arial, sans-serif;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.sub-cat-badge {
  display: inline-block;
  font-size: 10px;
  padding: 2px 7px;
  border-radius: 4px;
  font-weight: 600;
  letter-spacing: .04em;
  font-family: Arial, sans-serif;
  margin-top: 2px;
}
.sub-card-cost {
  text-align: right;
  flex-shrink: 0;
}
.sub-cost-main {
  font-size: 1.1rem;
  font-weight: 900;
  font-family: 'Arial Black', Arial, sans-serif;
  color: var(--text-heading);
}
.sub-cost-cycle {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.sub-card-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 8px;
  flex-wrap: wrap;
}
.sub-meta-item {
  font-size: 11px;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
  display: flex;
  align-items: center;
  gap: 4px;
}
.sub-meta-item b { color: var(--text-secondary); }
.sub-renewal-soon { color: #ff7820 !important; }
.sub-renewal-soon b { color: #ff7820 !important; }

.sub-card-actions {
  display: flex;
  align-items: center;
  gap: 6px;
}
.sub-toggle-btn {
  font-size: 11px;
  padding: 4px 10px;
  border-radius: 6px;
  border: 1px solid var(--border-primary);
  background: transparent;
  color: var(--text-secondary);
  cursor: pointer;
  font-family: Arial, sans-serif;
  transition: background .15s;
}
.sub-toggle-btn:hover { background: var(--bg-input); }

.sub-form {
  background: var(--bg-card);
  border: 1px solid var(--accent-primary);
  border-radius: 12px;
  padding: 18px;
  margin-bottom: 16px;
}
.sub-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.sub-form-field { display: flex; flex-direction: column; gap: 5px; }
.sub-form-field label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--text-muted);
  font-family: Arial, sans-serif;
}
.sub-form-field input,
.sub-form-field select {
  background: var(--bg-input);
  border: 1px solid var(--border-primary);
  border-radius: 8px;
  padding: 8px 10px;
  color: var(--text-primary);
  font-size: 13px;
  font-family: Arial, sans-serif;
  outline: none;
}
.sub-form-field input:focus,
.sub-form-field select:focus { border-color: var(--accent-primary); }

@media (max-width: 768px) {
  .sub-summary-bar { gap: 12px; flex-wrap: wrap; }
  .sub-sum-divider { display: none; }
  .sub-sum-cell { min-width: 80px; flex: 1 1 calc(50% - 12px); }
  .sub-form-grid { grid-template-columns: 1fr; }

  /* Subscription cards — stack on tablet/mobile */
  .sub-card-top { flex-direction: column; align-items: flex-start; gap: 8px; }
  .sub-card-left { width: 100%; min-width: 0; }
  .sub-card-name {
    white-space: normal;
    overflow: visible;
    text-overflow: unset;
    word-break: break-word;
  }
  .sub-card-cost { text-align: left; }
  .sub-card-actions { flex-wrap: wrap; width: 100%; }
}
@media (max-width: 480px) {
  /* Summary bar 2x2 on phones */
  .sub-summary-bar { padding: 12px 14px; gap: 8px; }
  .sub-sum-cell { flex: 1 1 calc(50% - 8px); text-align: left; min-width: 70px; }
  .sub-sum-label { font-size: 9px; }
  .sub-sum-val { font-size: 1rem; }
  .sub-sum-val--muted { font-size: 0.9rem; }

  /* Subscription cards — tighter sizing for phones */
  .sub-card { padding: 12px 12px; }
  .sub-card-name { font-size: 13px; }
  .sub-cost-main { font-size: 1rem; }
  .sub-card-icon { width: 32px; height: 32px; font-size: 15px; }
  .sub-card-meta { gap: 8px; }
  .sub-meta-item { font-size: 10px; }
  .sub-toggle-btn { font-size: 10px; padding: 3px 8px; }
  .sub-cat-badge { font-size: 9px; }
}

/* ══════════════════════════════════════
   RESPONSIVE — GENERAL OVERFLOW SAFETY
══════════════════════════════════════ */

/* Prevent any direct page child from bleeding past the viewport */
.page > * { max-width: 100%; }
.main-wrap { max-width: 100vw; }

/* ══════════════════════════════════════
   RESPONSIVE — TABLET (769–1024px)
   Additional fixes not covered above
══════════════════════════════════════ */
@media (min-width: 769px) and (max-width: 1024px) {
  /* Budget layout stacks at tablet */
  .budget-layout { grid-template-columns: 1fr; }
  /* Advanced two-col stacks at tablet */
  .adv-two-col { grid-template-columns: 1fr; }
  /* Net worth layout */
  .nw-layout { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════════
   RESPONSIVE — MOBILE (<=768px) EXTRA
══════════════════════════════════════ */
@media (max-width: 768px) {
  /* Advanced section: fix 270px fixed left column */
  .adv-two-col { grid-template-columns: 1fr !important; }

  /* Debt page — ensure cards don't overflow */
  .debt-card, .debt-item { max-width: 100%; }
  .debt-payoff-row { flex-wrap: wrap; gap: 8px; }

  /* Savings — ensure cards are full width */
  .goal-card, .savings-card { max-width: 100%; }

  /* Tools — ensure grids collapse */
  .tools-grid, .calc-grid { grid-template-columns: 1fr; }

  /* Ensure form inputs never exceed container */
  input, select, textarea { max-width: 100%; }

  /* Retirement account rows — tighter on mobile */
  .ret-wrap .r-acct-hdr, .ret-wrap .r-acct-row {
    grid-template-columns: 1fr 60px 60px 22px;
    font-size: 11px;
  }

  /* Full-calendar modal header on mobile */
  .cfc-head { padding: 10px 14px; flex-wrap: wrap; gap: 8px; }
  .cfc-close { padding: 5px 12px; font-size: 11px; }
}

/* ══════════════════════════════════════
   RESPONSIVE — PHONE (<=480px) EXTRA
══════════════════════════════════════ */
@media (max-width: 480px) {
  /* Dashboard stat rows — 1 per row on very small phones */
  .dash-stat-row { grid-template-columns: 1fr 1fr; }
  .dash-card-body { padding: 10px 12px; }

  /* Budget summary bar — stack vertically */
  .bgt-row { gap: 0; }
  .bgt-cell { padding: 10px 12px; }

  /* Debt cards stack tighter */
  .debt-card { padding: 12px; }

  /* Retirement snapshot — 2 columns max */
  .ret-wrap .r-snapshot-grid { grid-template-columns: repeat(2, 1fr); }
  .ret-wrap .r-contribs-row { grid-template-columns: 1fr; }

  /* Ensure all modal panels don't overflow */
  .cdm-panel { margin: 8px; width: calc(100% - 16px); }

  /* Full-calendar on phone — single line header */
  .cfc-head { gap: 6px; }
  .cal-nav-title { font-size: 14px; }

  /* Net worth add form */
  .nw-add-row { flex-direction: column; }

  /* Make sure page section titles don't overflow */
  .section-title { font-size: 15px; }
}

/* ══════════════════════════════════════
   DASHBOARD — SCORE / NW / RET GRID CLASSES
══════════════════════════════════════ */
.dash-score-grid {
  display: grid;
  grid-template-columns: 140px 1fr;
  gap: 20px;
  align-items: center;
}
.dash-nw-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: center;
  padding: 16px 18px;
}
.dash-ret-stat-row {
  grid-template-columns: repeat(4, 1fr);
}

/* ══════════════════════════════════════
   PRO TOOLS ROW — MOBILE
══════════════════════════════════════ */
@media (max-width: 768px) {
  .pro-actions-row {
    flex-direction: column;
    align-items: stretch;
    gap: 8px;
    padding: 12px 14px;
  }
  .pro-actions-row-label {
    font-size: 10px;
    margin-bottom: 2px;
  }
  .pro-action-btn {
    width: 100%;
    justify-content: center;
    font-size: 0.82rem;
    padding: 10px 14px;
  }
}

/* ══════════════════════════════════════
   DASHBOARD CARDS — MOBILE GRID FIXES
══════════════════════════════════════ */
@media (max-width: 768px) {
  /* FIRE Health Score: stack circle above factors */
  .dash-score-grid {
    grid-template-columns: 1fr;
    justify-items: center;
    gap: 14px;
  }
  .dash-score-grid > div:last-child {
    width: 100%;
  }

  /* Net Worth card: stack stats above progress bar */
  .dash-nw-grid {
    grid-template-columns: 1fr;
    gap: 16px;
    padding: 12px 14px;
  }

  /* Retirement card: 2x2 grid instead of 4-in-a-row */
  .dash-ret-stat-row {
    grid-template-columns: repeat(2, 1fr) !important;
  }
}

@media (max-width: 480px) {
  /* Score circle slightly smaller on phones */
  .dash-score-grid svg {
    width: 100px;
    height: 100px;
  }
  /* Pro tools buttons more compact */
  .pro-action-btn {
    font-size: 0.78rem;
    padding: 9px 12px;
  }
}

/* ═══════════════════════════════════════════════
   RESOURCES PAGE
═══════════════════════════════════════════════ */

/* Active state for Resources button in sidebar footer */
#tab-resources.active {
  background: rgba(255, 95, 16, 0.12);
  color: var(--accent-primary);
}
body.light-theme #tab-resources.active {
  background: rgba(255, 95, 16, 0.10);
  color: #e04a00;
}

/* Card grid inside each section */
.res-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 12px;
}

/* Individual recommendation card */
.res-card {
  background: var(--bg-card);
  border: 1px solid var(--border-primary);
  border-radius: 12px;
  padding: 16px 18px;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  gap: 8px;
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--transition-fast), border-color var(--transition-fast);
}
.res-card:hover {
  box-shadow: var(--shadow-hover);
  border-color: var(--accent-primary);
}
.res-card-header {
  display: flex;
  align-items: center;
  gap: 10px;
}
.res-card-logo {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--bg-elevated);
  border: 1px solid var(--border-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.res-card-name {
  font-size: 15px;
  font-weight: 700;
  color: var(--text);
}
.res-card-tag {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent-primary);
  background: rgba(255,95,16,0.1);
  border-radius: 4px;
  padding: 2px 6px;
  align-self: flex-start;
}
.res-card-desc {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.5;
}
.res-card-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  margin-top: 4px;
  font-size: 13px;
  font-weight: 700;
  color: var(--accent-primary);
  text-decoration: none;
  align-self: flex-start;
}
.res-card-link:hover { text-decoration: underline; }

@media (max-width: 600px) {
  .res-grid { grid-template-columns: 1fr; }
}