/* ============================================================
   Finance site: shared design system (modern fintech)
   Dependency-free. System font stack, soft shadows, deep-ink
   text on an airy base, indigo primary + green for money.
   ============================================================ */

:root {
  /* Palette */
  --ink:        #0a2540;   /* deep navy, primary text */
  --ink-soft:   #425466;   /* secondary text */
  --ink-faint:  #8792a2;   /* labels, captions */
  --line:       #e6ebf1;   /* borders / gridlines */
  --line-soft:  #f0f4f8;
  --bg:         #f6f9fc;    /* page background */
  --surface:    #ffffff;   /* cards */
  --surface-2:  #fbfcfe;

  --primary:    #635bff;   /* indigo, brand / actions */
  --primary-600:#5147e6;
  --primary-100:#eceafe;
  --money:      #10b981;   /* green, interest / gains */
  --money-100:  #d7f5ea;
  --contrib:    #635bff;   /* contributions series */
  --warn:       #f59e0b;
  --amber:      #f59e0b;   /* interest / caution series */
  --amber-strong:#d97706;  /* amber that stays readable as text */
  --danger:     #dc2626;
  --danger-bg:  #fef2f2;
  --danger-border:#fca5a5;

  /* Themed surfaces that invert (tooltip + dark CTA sit on --ink in light mode) */
  --tooltip-bg: #0a2540;
  --tooltip-fg: #ffffff;
  --cta-bg:     #0a2540;
  --cta-fg:     #ffffff;
  --cta-fg-soft: rgba(255,255,255,.72);
  --header-bg:  rgba(255,255,255,.82);
  --dot-ring:   #ffffff;   /* ring around chart hover dots */

  /* Callouts */
  --ok-bg:      #d7f5ea;
  --ok-border:  #b8ecd8;
  --ok-text:    #0f5c46;
  --ok-text-strong: #0a3d2e;
  --bad-bg:     #fef3f2;
  --bad-border: #fecdca;
  --bad-text:   #912018;
  --bad-text-strong: #7a271a;

  /* Effects */
  --shadow-sm: 0 1px 2px rgba(10,37,64,.06), 0 1px 3px rgba(10,37,64,.05);
  --shadow-md: 0 4px 12px rgba(10,37,64,.08), 0 2px 4px rgba(10,37,64,.04);
  --shadow-lg: 0 24px 48px -12px rgba(10,37,64,.18);
  --radius:    16px;
  --radius-sm: 10px;

  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
          Helvetica, Arial, sans-serif;
  --mono: "SFMono-Regular", "Cascadia Code", Consolas, "Liberation Mono", monospace;

  --maxw: 1160px;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3 { line-height: 1.15; letter-spacing: -.02em; margin: 0; }
a { color: var(--primary); text-decoration: none; }
a:hover { color: var(--primary-600); }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 40;
  background: var(--header-bg);
  backdrop-filter: saturate(160%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav {
  max-width: var(--maxw); margin: 0 auto;
  display: flex; align-items: center; gap: 28px;
  padding: 14px 24px;
}
.brand {
  display: flex; align-items: center; gap: 10px;
  font-weight: 700; font-size: 1.05rem; color: var(--ink);
  letter-spacing: -.02em;
}
.brand .mark {
  width: 30px; height: 30px; border-radius: 9px;
  background: linear-gradient(135deg, var(--primary), #8b84ff);
  display: grid; place-items: center;
  color: #fff; font-weight: 800; font-size: .95rem;
  box-shadow: var(--shadow-sm);
}
.nav-links { margin-left: auto; display: flex; gap: 20px; align-items: center; flex-wrap: wrap; justify-content: flex-end; }
.nav-links a {
  color: var(--ink-soft); font-weight: 500; font-size: .93rem;
}
.nav-links a:hover { color: var(--ink); }
.nav-links a.soon { color: var(--ink-faint); cursor: default; position: relative; }
.nav-links a.soon:hover { color: var(--ink-faint); }
.nav-links a.active { color: var(--ink); font-weight: 600; }
.nav-links a.active::after {
  content: ""; display: block; height: 2px; border-radius: 2px;
  background: var(--primary); margin-top: 3px;
}

/* ---------- Segmented toggle ---------- */
.segmented {
  display: inline-flex; background: var(--line-soft); border: 1px solid var(--line);
  border-radius: 999px; padding: 4px; gap: 4px; margin-bottom: 22px;
}
.segmented button {
  border: 0; background: transparent; cursor: pointer; font-family: var(--font);
  font-weight: 600; font-size: .9rem; color: var(--ink-soft);
  padding: 8px 20px; border-radius: 999px; transition: all .15s;
}
.segmented button.on {
  background: var(--surface); color: var(--ink); box-shadow: var(--shadow-sm);
}

/* fields that only show in one mode */
.mortgage-only, .loan-only, .salary-only, .hourly-only { display: none; }
body.mode-mortgage .mortgage-only { display: block; }
body.mode-loan .loan-only { display: block; }
body.mode-salary .salary-only { display: block; }
body.mode-hourly .hourly-only { display: block; }

/* tax-year / data-vintage badge */
.data-note {
  display: inline-flex; align-items: center; gap: 7px; font-size: .78rem; font-weight: 600;
  color: var(--ink-soft); background: var(--surface-2); border: 1px solid var(--line);
  padding: 6px 11px; border-radius: 8px; margin-top: 14px;
}
.data-note svg { color: var(--amber-strong); flex: none; }

/* ---------- Donut / payment breakdown ---------- */
.donut-card { padding: 22px; }
.donut-wrap { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.donut { position: relative; width: 168px; height: 168px; flex: none; }
.donut svg { width: 168px; height: 168px; transform: rotate(-90deg); }
.donut .center {
  position: absolute; inset: 0; display: grid; place-content: center; text-align: center;
}
.donut .center .big { font-size: 1.35rem; font-weight: 800; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.donut .center .cap { font-size: .72rem; color: var(--ink-faint); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; }
.breakdown { flex: 1; min-width: 200px; display: flex; flex-direction: column; gap: 2px; }
.brk-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 8px 0; border-bottom: 1px solid var(--line-soft); font-size: .9rem;
}
.brk-row:last-child { border-bottom: 0; }
.brk-row .lhs { display: flex; align-items: center; gap: 9px; color: var(--ink-soft); }
.brk-row .sw { width: 11px; height: 11px; border-radius: 3px; flex: none; }
.brk-row .amt { font-weight: 700; font-variant-numeric: tabular-nums; }
.brk-row.total { border-top: 2px solid var(--line); margin-top: 4px; padding-top: 12px; }
.brk-row.total .lhs { color: var(--ink); font-weight: 700; }
.brk-row.total .amt { font-size: 1.05rem; }

/* ---------- Savings callout ---------- */
.callout {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--ok-bg); border: 1px solid var(--ok-border);
  border-radius: var(--radius-sm); padding: 16px 18px;
}
.callout .ic {
  width: 34px; height: 34px; border-radius: 9px; background: var(--money);
  color: #fff; display: grid; place-items: center; flex: none; font-weight: 800;
}
.callout .txt { font-size: .92rem; color: var(--ok-text); }
.callout .txt strong { color: var(--ok-text-strong); }
.callout.hidden { display: none; }

/* ---------- Layout ---------- */
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.hero { padding: 54px 24px 26px; max-width: var(--maxw); margin: 0 auto; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .8rem; font-weight: 600; color: var(--primary);
  background: var(--primary-100); padding: 5px 12px; border-radius: 999px;
  letter-spacing: .01em; margin-bottom: 16px;
}
.hero h1 { font-size: clamp(2rem, 4.4vw, 3rem); font-weight: 800; }
.hero p.lede {
  margin: 14px 0 0; max-width: 620px;
  color: var(--ink-soft); font-size: 1.08rem;
}

/* ---------- Calculator shell ---------- */
.calc {
  display: grid; grid-template-columns: 380px 1fr; gap: 24px;
  align-items: start; padding: 8px 24px 64px; max-width: var(--maxw);
  margin: 0 auto;
}
/* Let grid/flex tracks and fields shrink to the viewport instead of forcing
   horizontal overflow (grid items and inputs default to min-width:auto). */
.calc > *, .results, .panel, .field, .two-col, .two-col > *,
.input-wrap, .slider-row, .input-money, .input-plain, select.input-plain {
  min-width: 0;
}
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow-sm);
}
.panel { padding: 22px; }
.panel + .panel { border-top: 1px solid var(--line-soft); }

.panel-title {
  font-size: .78rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .06em; color: var(--ink-faint); margin-bottom: 16px;
}

/* ---------- Inputs ---------- */
.field { margin-bottom: 18px; }
.field:last-child { margin-bottom: 0; }
.field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: .86rem; font-weight: 600; color: var(--ink-soft);
  margin-bottom: 7px;
}
.field label .hint { font-weight: 500; color: var(--ink-faint); font-size: .78rem; }

.input-money, .input-plain, select.input-plain {
  width: 100%; font-family: var(--font); font-size: 1rem; color: var(--ink);
  border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 11px 12px; background: var(--surface); outline: none;
  transition: border-color .15s, box-shadow .15s;
}
.input-wrap { position: relative; }
.input-wrap .prefix, .input-wrap .suffix {
  position: absolute; top: 50%; transform: translateY(-50%);
  color: var(--ink-faint); font-size: .95rem; pointer-events: none;
}
.input-wrap .prefix { left: 12px; }
.input-wrap .suffix { right: 12px; }
.input-wrap.has-prefix .input-money { padding-left: 26px; }
.input-wrap.has-suffix .input-money { padding-right: 30px; }

.input-money:focus, .input-plain:focus, select.input-plain:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px var(--primary-100);
}
select.input-plain {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%238792a2' d='M6 8.5 1.5 4h9z'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center;
  padding-right: 32px; cursor: pointer;
}
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

/* range sliders */
.slider-row { display: flex; align-items: center; gap: 12px; }
input[type="range"] {
  -webkit-appearance: none; appearance: none; height: 6px; flex: 1;
  border-radius: 999px; background: var(--line); outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--primary); border: 3px solid #fff;
  box-shadow: var(--shadow-sm); cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--primary); border: 3px solid #fff; cursor: pointer;
}
.slider-val {
  min-width: 74px; text-align: right; font-variant-numeric: tabular-nums;
  font-weight: 700; color: var(--ink); font-size: .95rem;
}

/* ---------- Results ---------- */
.results { display: flex; flex-direction: column; gap: 24px; }

.headline-card {
  background:
    radial-gradient(120% 140% at 100% 0%, rgba(99,91,255,.10), transparent 55%),
    var(--surface);
  border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-md); padding: 26px 28px;
}
.headline-card .kicker {
  font-size: .82rem; font-weight: 600; color: var(--ink-faint);
  text-transform: uppercase; letter-spacing: .05em;
}
.headline-num {
  font-size: clamp(2.4rem, 5.2vw, 3.4rem); font-weight: 800;
  color: var(--ink); letter-spacing: -.03em; font-variant-numeric: tabular-nums;
  margin: 4px 0 2px; line-height: 1;
}
.headline-sub { color: var(--ink-soft); font-size: .95rem; }
.headline-sub strong { color: var(--money); font-weight: 700; }

.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.stat {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius-sm); padding: 16px 16px 14px;
}
.stat .dot { width: 9px; height: 9px; border-radius: 3px; display: inline-block; margin-right: 7px; }
.stat .lbl { font-size: .8rem; color: var(--ink-faint); font-weight: 600; }
.stat .val {
  font-size: 1.28rem; font-weight: 800; margin-top: 6px;
  font-variant-numeric: tabular-nums; letter-spacing: -.02em;
}
.dot-contrib { background: var(--contrib); }
.dot-money   { background: var(--money); }
.dot-start   { background: #94a3b8; }

/* ---------- Chart ---------- */
.chart-card { padding: 22px 22px 12px; }
.chart-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 6px; flex-wrap: wrap; gap: 10px; }
.chart-head h3 { font-size: 1.05rem; font-weight: 700; }
.legend { display: flex; gap: 16px; }
.legend span { display: inline-flex; align-items: center; font-size: .82rem; color: var(--ink-soft); font-weight: 500; }
.legend .sw { width: 12px; height: 12px; border-radius: 4px; margin-right: 7px; }

.chart-holder { position: relative; width: 100%; }
.chart-holder svg { display: block; width: 100%; height: auto; overflow: visible; }
.chart-area-contrib { fill: url(#gradContrib); }
.chart-area-interest { fill: url(#gradInterest); }
.grid-line { stroke: var(--line); stroke-width: 1; }
.axis-label { fill: var(--ink-faint); font-size: 11px; font-family: var(--font); }
.hover-line { stroke: var(--ink-faint); stroke-width: 1; stroke-dasharray: 4 4; opacity: 0; }
.hover-dot { opacity: 0; }

.tooltip {
  position: absolute; pointer-events: none; opacity: 0;
  transform: translate(-50%, -110%); transition: opacity .1s;
  background: var(--tooltip-bg); color: var(--tooltip-fg); padding: 10px 12px;
  border-radius: 10px; font-size: .8rem; box-shadow: var(--shadow-lg);
  white-space: nowrap; z-index: 5;
}
.tooltip .tt-year { font-weight: 700; margin-bottom: 5px; opacity: .85; }
.tooltip .tt-row { display: flex; justify-content: space-between; gap: 16px; font-variant-numeric: tabular-nums; }
.tooltip .tt-row .tt-lbl { opacity: .8; }
.tooltip .tt-row.total { margin-top: 5px; padding-top: 5px; border-top: 1px solid rgba(255,255,255,.18); font-weight: 700; }

/* ---------- Breakdown table ---------- */
.table-card { overflow: hidden; }
.table-head-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 22px; cursor: pointer; user-select: none;
}
.table-head-row h3 { font-size: 1.05rem; font-weight: 700; }
.chev { transition: transform .2s; color: var(--ink-faint); }
.table-card.open .chev { transform: rotate(180deg); }
.table-scroll { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.table-card.open .table-scroll { max-height: 720px; overflow: auto; }
table.schedule { width: 100%; border-collapse: collapse; font-size: .86rem; }
table.schedule th, table.schedule td {
  padding: 10px 22px; text-align: right; font-variant-numeric: tabular-nums;
  border-top: 1px solid var(--line-soft); white-space: nowrap;
}
table.schedule th {
  position: sticky; top: 0; background: var(--surface-2);
  color: var(--ink-faint); font-weight: 600; font-size: .76rem;
  text-transform: uppercase; letter-spacing: .04em;
}
table.schedule th:first-child, table.schedule td:first-child { text-align: left; }
table.schedule tbody tr:hover { background: var(--surface-2); }
table.schedule td.c-interest { color: var(--money); font-weight: 600; }

/* ============================================================
   Debt payoff tool
   ============================================================ */
.stack {
  max-width: 900px; margin: 0 auto; padding: 8px 24px 64px;
  display: flex; flex-direction: column; gap: 22px;
}

/* debt list */
.debt-head, .debt-row {
  display: grid; grid-template-columns: 1fr 118px 92px 108px 34px;
  gap: 10px; align-items: center;
}
.debt-head {
  padding: 0 4px 10px; font-size: .74rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .05em; color: var(--ink-faint);
}
.debt-head span:nth-child(n+2) { text-align: left; }
.debt-row { margin-bottom: 10px; }
.debt-row .input-sm {
  width: 100%; font-family: var(--font); font-size: .92rem; color: var(--ink);
  border: 1px solid var(--line); border-radius: 9px; padding: 9px 10px;
  background: var(--surface); outline: none; transition: border-color .15s, box-shadow .15s;
  min-width: 0;
}
.debt-row .input-sm:focus { border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-100); }
.debt-row .wrap-sm { position: relative; }
.debt-row .wrap-sm .aff { position: absolute; top: 50%; transform: translateY(-50%); color: var(--ink-faint); font-size: .85rem; pointer-events: none; }
.debt-row .wrap-sm .aff.pre { left: 10px; }
.debt-row .wrap-sm .aff.suf { right: 10px; }
.debt-row .wrap-sm.has-pre .input-sm { padding-left: 22px; }
.debt-row .wrap-sm.has-suf .input-sm { padding-right: 26px; }
.btn-remove {
  width: 32px; height: 32px; border-radius: 8px; border: 1px solid var(--line);
  background: var(--surface); color: var(--ink-faint); cursor: pointer;
  display: grid; place-items: center; font-size: 1.1rem; line-height: 1; transition: all .15s;
}
.btn-remove:hover { border-color: var(--danger-border); color: var(--danger); background: var(--danger-bg); }
.btn-add {
  align-self: flex-start; margin-top: 4px; border: 1px dashed var(--line);
  background: var(--surface-2); color: var(--primary); font-weight: 600; font-family: var(--font);
  font-size: .9rem; padding: 10px 16px; border-radius: 10px; cursor: pointer; transition: all .15s;
}
.btn-add:hover { border-color: var(--primary); background: var(--primary-100); }

/* controls bar (extra payment + strategy) */
.controls-bar { display: flex; gap: 20px; align-items: flex-end; flex-wrap: wrap; }
.controls-bar .field { margin: 0; flex: 1; min-width: 180px; }

/* strategy comparison */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.compare-card {
  position: relative; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 18px 20px; background: var(--surface); cursor: pointer; transition: all .15s;
}
.compare-card:hover { border-color: var(--primary); }
.compare-card.sel { border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-100); }
.compare-card .name { font-weight: 700; font-size: 1rem; display: flex; align-items: center; gap: 8px; }
.compare-card .desc { font-size: .8rem; color: var(--ink-faint); margin: 2px 0 12px; }
.compare-card .metric { display: flex; justify-content: space-between; font-size: .88rem; padding: 4px 0; }
.compare-card .metric .v { font-weight: 700; font-variant-numeric: tabular-nums; }
.save-badge {
  position: absolute; top: -10px; right: 14px; background: var(--money); color: #fff;
  font-size: .72rem; font-weight: 700; padding: 3px 10px; border-radius: 999px; box-shadow: var(--shadow-sm);
}

/* payoff order */
.order-item { display: grid; grid-template-columns: 30px 1fr auto; gap: 12px; align-items: center; padding: 11px 0; border-top: 1px solid var(--line-soft); }
.order-item:first-child { border-top: 0; }
.rank { width: 28px; height: 28px; border-radius: 8px; background: var(--primary-100); color: var(--primary); font-weight: 800; display: grid; place-items: center; font-size: .85rem; }
.order-mid .oname { font-weight: 600; font-size: .92rem; }
.order-bar { height: 6px; border-radius: 3px; background: var(--line-soft); margin-top: 6px; overflow: hidden; }
.order-bar > i { display: block; height: 100%; border-radius: 3px; }
.order-when { font-size: .85rem; font-weight: 700; color: var(--ink-soft); font-variant-numeric: tabular-nums; white-space: nowrap; }

.callout.warn { background: var(--bad-bg); border-color: var(--bad-border); }
.callout.warn .ic { background: #ef4444; }
.callout.warn .txt { color: var(--bad-text); } .callout.warn .txt strong { color: var(--bad-text-strong); }

@media (max-width: 620px) {
  .debt-head { display: none; }
  .debt-row { grid-template-columns: 1fr 1fr; gap: 8px; padding: 12px; border: 1px solid var(--line); border-radius: 10px; position: relative; }
  .debt-row .d-name-wrap { grid-column: 1 / -1; }
  .btn-remove { position: absolute; top: 8px; right: 8px; }
  .compare { grid-template-columns: 1fr; }
}

/* ============================================================
   Budget builder
   ============================================================ */
/* generic small inputs (shared by budget category rows) */
.input-sm {
  width: 100%; font-family: var(--font); font-size: .92rem; color: var(--ink);
  border: 1px solid var(--line); border-radius: 9px; padding: 9px 10px;
  background: var(--surface); outline: none; transition: border-color .15s, box-shadow .15s; min-width: 0;
}
.input-sm:focus { border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-100); }
.wrap-sm { position: relative; }
.wrap-sm .aff { position: absolute; top: 50%; transform: translateY(-50%); color: var(--ink-faint); font-size: .85rem; pointer-events: none; }
.wrap-sm .aff.pre { left: 10px; } .wrap-sm .aff.suf { right: 10px; }
.wrap-sm.has-pre .input-sm { padding-left: 22px; } .wrap-sm.has-suf .input-sm { padding-right: 26px; }

/* income + mode row */
.income-row { display: flex; gap: 20px; align-items: flex-end; flex-wrap: wrap; }
.income-row .field { margin: 0; }
.income-row .field.grow { flex: 1; min-width: 200px; }

/* target editor (50/30/20 only) */
.targets { display: none; gap: 12px; margin-top: 18px; padding-top: 18px; border-top: 1px solid var(--line-soft); flex-wrap: wrap; align-items: flex-end; }
body.mode-5030 .targets { display: flex; }
.targets .t-field { display: flex; flex-direction: column; gap: 6px; }
.targets .t-field label { font-size: .8rem; font-weight: 600; color: var(--ink-soft); display: flex; align-items: center; gap: 7px; }
.targets .t-field .sw { width: 10px; height: 10px; border-radius: 3px; }
.targets .t-input { width: 92px; }
.targets .t-sum { margin-left: auto; font-size: .82rem; font-weight: 600; color: var(--ink-faint); align-self: center; }
.targets .t-sum.bad { color: var(--danger); }

/* bucket cards */
.buckets-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.bucket { display: flex; flex-direction: column; }
.bucket .b-head { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 3px; }
.bucket .b-name { font-weight: 700; font-size: 1rem; display: flex; align-items: center; gap: 8px; }
.bucket .b-name .sw { width: 11px; height: 11px; border-radius: 3px; }
.bucket .b-target { font-size: .78rem; color: var(--ink-faint); font-weight: 600; }
.bucket .b-amt { font-size: 1.5rem; font-weight: 800; letter-spacing: -.02em; font-variant-numeric: tabular-nums; margin: 2px 0; }
.bucket .b-amt .b-pct { font-size: .85rem; font-weight: 600; color: var(--ink-faint); margin-left: 6px; }
.bucket .b-bar { position: relative; height: 8px; border-radius: 4px; background: var(--line-soft); overflow: visible; margin: 8px 0 4px; }
.bucket .b-bar > i { display: block; height: 100%; border-radius: 4px; transition: width .3s; }
.bucket .b-bar .tick { position: absolute; top: -3px; width: 2px; height: 14px; background: var(--ink); border-radius: 2px; }
body.mode-zero .bucket .b-bar .tick, body.mode-zero .bucket .b-target { display: none; }
.bucket .b-verdict { font-size: .78rem; font-weight: 600; margin-bottom: 12px; min-height: 1em; }
.bucket .b-verdict.over { color: var(--amber-strong); } .bucket .b-verdict.under { color: var(--ink-faint); } .bucket .b-verdict.good { color: var(--money); }
.cat-rows { display: flex; flex-direction: column; gap: 8px; margin-bottom: 10px; }
.cat-row { display: grid; grid-template-columns: 1fr 104px 30px; gap: 8px; align-items: center; }
.btn-remove-sm { width: 28px; height: 28px; border-radius: 7px; border: 1px solid var(--line); background: var(--surface); color: var(--ink-faint); cursor: pointer; display: grid; place-items: center; font-size: 1rem; line-height: 1; transition: all .15s; }
.btn-remove-sm:hover { border-color: var(--danger-border); color: var(--danger); background: var(--danger-bg); }
.btn-add-sm { border: 1px dashed var(--line); background: var(--surface-2); color: var(--primary); font-weight: 600; font-family: var(--font); font-size: .84rem; padding: 8px 12px; border-radius: 9px; cursor: pointer; transition: all .15s; align-self: flex-start; }
.btn-add-sm:hover { border-color: var(--primary); background: var(--primary-100); }

/* left-to-budget headline states */
.headline-num.pos { color: var(--money); }
.headline-num.neg { color: var(--danger); }
.headline-num.zero { color: var(--money); }

@media (max-width: 820px) { .buckets-grid { grid-template-columns: 1fr; } }

/* ============================================================
   Home / tools hub
   ============================================================ */
.hub-hero { text-align: center; padding: 68px 24px 30px; max-width: 780px; margin: 0 auto; }
.hub-hero .eyebrow { margin-bottom: 20px; }
.hub-hero h1 { font-size: clamp(2.2rem, 5.4vw, 3.4rem); font-weight: 800; }
.hub-hero p.lede { margin: 18px auto 0; max-width: 620px; font-size: 1.12rem; }

.trust-strip {
  display: flex; justify-content: center; flex-wrap: wrap; gap: 10px 26px;
  margin: 26px auto 0; max-width: 780px; padding: 0 24px;
}
.trust-strip span { display: inline-flex; align-items: center; gap: 8px; font-size: .88rem; color: var(--ink-soft); font-weight: 500; }
.trust-strip svg { color: var(--money); flex: none; }

.tools-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px;
  max-width: var(--maxw); margin: 44px auto 0; padding: 0 24px;
}
.tool-card {
  --accent: var(--primary);
  display: flex; flex-direction: column; padding: 28px;
  border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface);
  box-shadow: var(--shadow-sm); text-decoration: none; color: inherit;
  transition: transform .18s, box-shadow .18s, border-color .18s; position: relative; overflow: hidden;
}
.tool-card::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: var(--accent);
  opacity: 0; transition: opacity .18s;
}
.tool-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--accent); }
.tool-card:hover::before { opacity: 1; }
.tool-card .ticon {
  width: 54px; height: 54px; border-radius: 15px; display: grid; place-items: center;
  margin-bottom: 20px; background: var(--tint); color: var(--accent);
}
.tool-card .ticon svg { width: 27px; height: 27px; }
.tool-card h3 { font-size: 1.3rem; font-weight: 700; }
.tool-card p { color: var(--ink-soft); margin: 9px 0 0; font-size: .97rem; line-height: 1.55; }
.tool-card .open {
  margin-top: 20px; font-weight: 600; font-size: .92rem; color: var(--accent);
  display: inline-flex; align-items: center; gap: 6px; transition: gap .18s;
}
.tool-card:hover .open { gap: 11px; }

.hub-cta {
  max-width: var(--maxw); margin: 40px auto 0; padding: 0 24px;
}
.hub-cta-inner {
  background: radial-gradient(120% 160% at 0% 0%, rgba(99,91,255,.12), transparent 60%), var(--cta-bg);
  border-radius: var(--radius); padding: 40px; text-align: center; color: var(--cta-fg);
}
.hub-cta-inner h2 { font-size: 1.7rem; font-weight: 800; }
.hub-cta-inner p { color: var(--cta-fg-soft); margin: 10px auto 0; max-width: 480px; }

@media (max-width: 760px) { .tools-grid { grid-template-columns: 1fr; } }

/* ============================================================
   Net worth tracker
   ============================================================ */
.nw-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; align-items: start; }
.nw-panel-head {
  display: flex; align-items: baseline; justify-content: space-between;
  padding-bottom: 12px; margin-bottom: 4px; border-bottom: 1px solid var(--line);
}
.nw-panel-head h3 { font-size: 1.1rem; font-weight: 700; }
.nw-panel-head .tot { font-size: 1.1rem; font-weight: 800; font-variant-numeric: tabular-nums; letter-spacing: -.02em; }

.nw-group { padding: 14px 0 4px; border-bottom: 1px solid var(--line-soft); }
.nw-group:last-of-type { border-bottom: 0; }
.nw-group-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 9px; }
.nw-group-head .lhs { display: flex; align-items: center; gap: 8px; font-weight: 600; font-size: .9rem; }
.nw-group-head .sw { width: 10px; height: 10px; border-radius: 3px; flex: none; }
.nw-group-head .sub { font-size: .84rem; font-weight: 700; color: var(--ink-soft); font-variant-numeric: tabular-nums; }
.nw-group .cat-rows { gap: 7px; margin-bottom: 8px; }
.nw-liquid-tag {
  font-size: .64rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em;
  color: var(--money); background: var(--money-100); padding: 2px 6px; border-radius: 5px;
}

/* ratio cards */
.ratio-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.ratio { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; }
.ratio .r-lbl { font-size: .82rem; font-weight: 600; color: var(--ink-faint); }
.ratio .r-val { font-size: 1.7rem; font-weight: 800; letter-spacing: -.02em; font-variant-numeric: tabular-nums; margin: 4px 0 2px; }
.ratio .r-bar { height: 7px; border-radius: 4px; background: var(--line-soft); overflow: hidden; margin: 10px 0 8px; }
.ratio .r-bar > i { display: block; height: 100%; border-radius: 4px; transition: width .3s; }
.ratio .r-hint { font-size: .8rem; color: var(--ink-soft); }
.ratio .r-hint b { font-weight: 700; }
.r-good { color: var(--money); } .r-mid { color: var(--amber-strong); } .r-bad { color: var(--danger); }

/* composition: two donuts */
.nw-donuts { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.nw-donut-col { display: flex; flex-direction: column; align-items: center; }
.nw-donut-col > .cap-title { font-weight: 700; font-size: .95rem; margin-bottom: 12px; align-self: flex-start; }
.nw-donut-col .breakdown { width: 100%; margin-top: 14px; }

/* snapshots */
.snap-bar { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; }
.btn-primary {
  border: 0; background: var(--primary); color: #fff; font-family: var(--font); font-weight: 600;
  font-size: .92rem; padding: 11px 18px; border-radius: 10px; cursor: pointer; transition: background .15s;
}
.btn-primary:hover { background: var(--primary-600); }
.btn-ghost {
  border: 1px solid var(--line); background: var(--surface); color: var(--ink-soft);
  font-family: var(--font); font-weight: 600; font-size: .88rem; padding: 10px 14px;
  border-radius: 10px; cursor: pointer; transition: all .15s;
}
.btn-ghost:hover { color: var(--danger); border-color: var(--danger-border); background: var(--danger-bg); }
.snap-note { font-size: .84rem; color: var(--ink-faint); margin-left: auto; }

.snap-list { display: flex; flex-direction: column; margin-top: 16px; }
.snap-item {
  display: grid; grid-template-columns: 1fr auto auto 30px; gap: 14px; align-items: center;
  padding: 11px 0; border-top: 1px solid var(--line-soft); font-size: .9rem;
}
.snap-item:first-child { border-top: 0; }
.snap-item .s-date { color: var(--ink-soft); font-weight: 600; }
.snap-item .s-net { font-weight: 800; font-variant-numeric: tabular-nums; }
.snap-item .s-delta { font-size: .84rem; font-weight: 700; font-variant-numeric: tabular-nums; }
.snap-empty { color: var(--ink-faint); font-size: .88rem; padding: 18px 0 4px; text-align: center; }

@media (max-width: 820px) {
  .nw-cols, .nw-donuts, .ratio-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   FAQ + related tools (content depth for search engines,
   and genuinely useful context for readers)
   ============================================================ */
.faq { max-width: 900px; margin: 0 auto; padding: 40px 24px 0; }
.faq > h2 {
  font-size: 1.4rem; font-weight: 800; letter-spacing: -.02em; margin-bottom: 6px;
}
.faq-item { border-top: 1px solid var(--line); padding: 18px 0; }
.faq-item:first-of-type { border-top: 0; padding-top: 12px; }
.faq-item h3 { font-size: 1.02rem; font-weight: 700; margin: 0 0 8px; }
.faq-item p { margin: 0; color: var(--ink-soft); font-size: .95rem; line-height: 1.65; }

.related { max-width: 900px; margin: 0 auto; padding: 34px 24px 0; }
.related h2 {
  font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em;
  color: var(--ink-faint); margin-bottom: 12px;
}
.related-links { display: flex; flex-wrap: wrap; gap: 10px; }
.related-links a {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .9rem; font-weight: 600; color: var(--ink-soft);
  background: var(--surface); border: 1px solid var(--line);
  padding: 10px 15px; border-radius: 10px; transition: all .15s;
}
.related-links a:hover { color: var(--primary); border-color: var(--primary); }
.related-links a span { color: var(--ink-faint); font-weight: 500; }
.related-links a:hover span { color: var(--primary); }

/* ---------- Assumptions note ---------- */
.note {
  max-width: var(--maxw); margin: 0 auto; padding: 0 24px 60px;
  color: var(--ink-faint); font-size: .82rem; line-height: 1.6;
}
.note strong { color: var(--ink-soft); }

/* ---------- Footer ---------- */
.site-footer {
  border-top: 1px solid var(--line); background: var(--surface);
  color: var(--ink-faint); font-size: .85rem;
}
.footer-inner {
  max-width: var(--maxw); margin: 0 auto; padding: 28px 24px;
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}

/* ============================================================
   Personal / resume homepage
   ============================================================ */
.split-hero {
  max-width: var(--maxw); margin: 0 auto; padding: 60px 24px 20px;
  display: grid; grid-template-columns: 1fr 330px; gap: 52px; align-items: center;
}
.split-hero .who {
  font-size: .82rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  color: var(--ink-faint); margin-bottom: 12px;
}
.split-hero h1 { font-size: clamp(1.95rem, 4vw, 2.9rem); font-weight: 800; }
.split-hero h1 em { font-style: normal; color: var(--primary); }
.split-hero p.lede { margin: 16px 0 0; max-width: 560px; color: var(--ink-soft); font-size: 1.06rem; }

.photo-frame {
  position: relative; border-radius: 20px; overflow: hidden;
  border: 1px solid var(--line); box-shadow: var(--shadow-lg); background: var(--surface-2);
}
.photo-frame img { display: block; width: 100%; height: auto; }

.fact-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.fact {
  display: inline-flex; align-items: center; gap: 8px; font-size: .84rem; font-weight: 600;
  color: var(--ink-soft); background: var(--surface); border: 1px solid var(--line);
  padding: 7px 13px; border-radius: 999px;
}
.fact svg { color: var(--primary); flex: none; }

.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }
.btn-lg { padding: 13px 22px; font-size: .96rem; }
a.btn-primary, a.btn-ghost { text-decoration: none; display: inline-flex; align-items: center; gap: 8px; }

/* ---------- generic content sections ---------- */
.section { max-width: 900px; margin: 0 auto; padding: 52px 24px 0; }
.section.wide { max-width: var(--maxw); }
/* the tools grid carries its own width/padding when standalone, so reset inside a section */
.section > .tools-grid { max-width: none; padding: 0; margin-top: 0; }
.section-head { margin-bottom: 24px; }
.section-head .kicker {
  font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em;
  color: var(--primary); margin-bottom: 8px;
}
.section-head h2 { font-size: clamp(1.5rem, 3vw, 1.95rem); font-weight: 800; }
.section-head p { color: var(--ink-soft); margin: 10px 0 0; font-size: 1rem; }

/* ---------- resume entries ---------- */
.resume-item { padding: 22px 0; border-top: 1px solid var(--line); }
.resume-item:first-of-type { border-top: 0; padding-top: 4px; }
.ri-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; flex-wrap: wrap; }
.ri-role { font-size: 1.1rem; font-weight: 700; }
.ri-org { color: var(--primary); font-weight: 600; font-size: .97rem; }
.ri-when { font-size: .86rem; color: var(--ink-faint); font-weight: 600; white-space: nowrap; }
.ri-bullets { margin: 12px 0 0; padding: 0; list-style: none; }
.ri-bullets li { position: relative; padding-left: 20px; margin-bottom: 8px; color: var(--ink-soft); font-size: .95rem; line-height: 1.6; }
.ri-bullets li::before {
  content: ""; position: absolute; left: 4px; top: .62em;
  width: 6px; height: 6px; border-radius: 2px; background: var(--primary); opacity: .55;
}
.ri-bullets li strong { color: var(--ink); font-weight: 600; }

/* ---------- skills ---------- */
.skill-block { padding: 18px 0; border-top: 1px solid var(--line-soft); }
.skill-block:first-of-type { border-top: 0; }
.skill-block h4 { font-size: .88rem; font-weight: 700; margin: 0 0 10px; color: var(--ink); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip {
  font-size: .85rem; font-weight: 600; color: var(--ink-soft);
  background: var(--surface-2); border: 1px solid var(--line);
  padding: 7px 12px; border-radius: 8px;
}

/* ---------- education ---------- */
.edu-item { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding: 15px 0; border-top: 1px solid var(--line-soft); }
.edu-item:first-of-type { border-top: 0; }
.edu-item .e-deg { font-weight: 700; font-size: .98rem; }
.edu-item .e-school { color: var(--ink-soft); font-size: .92rem; margin-top: 2px; }
.edu-item .e-when { font-size: .86rem; color: var(--ink-faint); font-weight: 600; white-space: nowrap; }

/* ---------- contact ---------- */
.contact-card {
  background: radial-gradient(120% 160% at 0% 0%, rgba(99,91,255,.12), transparent 60%), var(--cta-bg);
  border-radius: var(--radius); padding: 40px; text-align: center; color: var(--cta-fg);
}
.contact-card h2 { font-size: 1.65rem; font-weight: 800; }
.contact-card p { color: var(--cta-fg-soft); margin: 10px auto 0; max-width: 520px; }
.contact-links { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 24px; }
.contact-links a {
  display: inline-flex; align-items: center; gap: 8px; text-decoration: none;
  font-weight: 600; font-size: .94rem; padding: 12px 20px; border-radius: 10px;
  background: rgba(255,255,255,.10); color: var(--cta-fg); border: 1px solid rgba(255,255,255,.18);
  transition: background .15s;
}
.contact-links a:hover { background: rgba(255,255,255,.18); color: var(--cta-fg); }
:root[data-theme="dark"] .contact-links a { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.12); }

/* ---------- placeholder markers (things Dylan still needs to fill in) ---------- */
.todo {
  display: inline-block; border: 1px dashed var(--amber); border-radius: 6px;
  padding: 1px 7px; color: var(--amber-strong); font-weight: 600; font-size: .86em;
  background: rgba(245,158,11,.08);
}

/* Tools-first ordering: the intro sits mid-page, so it reads as a compact
   "about the person behind this" block rather than a full hero. */
body.tools-first .split-hero { grid-template-columns: 1fr 250px; gap: 38px; padding-top: 22px; }
body.tools-first .split-hero h1 { font-size: clamp(1.45rem, 2.6vw, 2rem); }
body.tools-first .split-hero p.lede { font-size: 1rem; }
body.tools-first .tools-grid { margin-top: 0; }

@media (max-width: 880px) {
  .split-hero { grid-template-columns: 1fr; gap: 32px; padding-top: 40px; }
  .split-hero .photo-col { max-width: 260px; }
  body.tools-first .split-hero { grid-template-columns: 1fr; }
}

/* ============================================================
   Theme toggle button
   ============================================================ */
.theme-toggle {
  margin-left: 18px; width: 34px; height: 34px; flex: none;
  border: 1px solid var(--line); border-radius: 10px; background: var(--surface);
  color: var(--ink-soft); cursor: pointer; display: grid; place-items: center;
  transition: all .15s;
}
.theme-toggle:hover { color: var(--ink); border-color: var(--ink-faint); }
.theme-toggle svg { width: 17px; height: 17px; }
.theme-toggle .ic-moon { display: block; }
.theme-toggle .ic-sun { display: none; }
:root[data-theme="dark"] .theme-toggle .ic-moon { display: none; }
:root[data-theme="dark"] .theme-toggle .ic-sun { display: block; }

/* ============================================================
   Dark theme
   ============================================================ */
:root[data-theme="dark"] {
  --ink:        #e8edf5;
  --ink-soft:   #a7b4c8;
  --ink-faint:  #7c8aa3;
  --line:       #26324a;
  --line-soft:  #1d2740;
  --bg:         #0b1220;
  --surface:    #131c2e;
  --surface-2:  #172136;

  --primary:    #8b84ff;
  --primary-600:#a29bff;
  --primary-100:#241f4d;
  --money:      #34d399;
  --money-100:  #0d3b2e;
  --contrib:    #8b84ff;
  --amber:      #fbbf24;
  --amber-strong:#fbbf24;
  --danger:     #f87171;
  --danger-bg:  #3b1618;
  --danger-border:#7f1d1d;

  --tooltip-bg: #1e293b;
  --tooltip-fg: #f1f5f9;
  --cta-bg:     #172136;
  --cta-fg:     #e8edf5;
  --cta-fg-soft: rgba(232,237,245,.68);
  --header-bg:  rgba(11,18,32,.82);
  --dot-ring:   #131c2e;

  --ok-bg:      #0d3b2e;
  --ok-border:  #17604a;
  --ok-text:    #a7f3d0;
  --ok-text-strong: #d1fae5;
  --bad-bg:     #3b1618;
  --bad-border: #7f1d1d;
  --bad-text:   #fecaca;
  --bad-text-strong: #fee2e2;

  --shadow-sm: 0 1px 2px rgba(0,0,0,.30), 0 1px 3px rgba(0,0,0,.22);
  --shadow-md: 0 4px 12px rgba(0,0,0,.36), 0 2px 4px rgba(0,0,0,.24);
  --shadow-lg: 0 24px 48px -12px rgba(0,0,0,.55);
}
/* Tool-card icon tints are light pastels in light mode; derive them from the
   accent in dark so they don't glow. */
:root[data-theme="dark"] .tool-card .ticon {
  background: color-mix(in srgb, var(--accent) 20%, transparent);
}
/* The select chevron is a baked-in gray SVG, so lighten it for dark. */
:root[data-theme="dark"] select.input-plain {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23a7b4c8' d='M6 8.5 1.5 4h9z'/%3E%3C/svg%3E");
}
:root[data-theme="dark"] .headline-card {
  background:
    radial-gradient(120% 140% at 100% 0%, rgba(139,132,255,.16), transparent 55%),
    var(--surface);
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .calc { grid-template-columns: 1fr; }
  .nav-links { gap: 16px; }
}
@media (max-width: 560px) {
  .stat-grid { grid-template-columns: 1fr; }
  .hero { padding-top: 36px; }
  /* Too many tools to fit, so give the links their own scrollable strip
     instead of hiding them (the only other way in is the logo). */
  .nav { flex-wrap: wrap; gap: 10px 14px; padding-bottom: 10px; }
  .nav-links {
    order: 3; width: 100%; margin-left: 0;
    flex-wrap: nowrap; justify-content: flex-start;
    overflow-x: auto; -webkit-overflow-scrolling: touch;
    gap: 18px; padding-bottom: 2px; scrollbar-width: none;
  }
  .nav-links::-webkit-scrollbar { display: none; }
  .nav-links a { white-space: nowrap; font-size: .88rem; }
  .theme-toggle { margin-left: auto; }
}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; }
}