:root{--navy-900:#0f172a;--navy-800:#1e293b;--teal-700:#5b21b6;--teal-600:#7c3aed;--teal-500:#8b5cf6;--teal-100:#ede9fe;--bg:#f5f7f8;--card:#fff;--text:#1f2937;--text-muted:#6b7280;--border:#e5e7eb;--danger:#dc2626;--danger-soft:#fee2e2;--radius:16px;--shadow:0 1px 2px #0f172a0f, 0 4px 16px #0f172a0f;--nav-height:64px}*{box-sizing:border-box}html,body{margin:0;padding:0}body{background:var(--bg);color:var(--text);-webkit-font-smoothing:antialiased;font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;line-height:1.5}h1,h2,h3{color:var(--navy-900);margin:0;line-height:1.25}p{margin:.25rem 0}a{color:var(--teal-700);font-weight:600;text-decoration:none}a:hover{text-decoration:underline}.muted{color:var(--text-muted);font-size:.9rem}.app-shell{max-width:520px;min-height:100dvh;margin:0 auto}.app-content{padding:1.25rem 1.1rem calc(var(--nav-height) + env(safe-area-inset-bottom,0px) + 1rem)}.full-screen{min-height:100dvh}.center{justify-content:center;align-items:center;display:flex}.spinner{border:3px solid var(--teal-100);border-top-color:var(--teal-600);border-radius:50%;width:34px;height:34px;animation:.8s linear infinite spin}@keyframes spin{to{transform:rotate(360deg)}}.bottom-nav{width:100%;max-width:520px;height:calc(var(--nav-height) + env(safe-area-inset-bottom,0px));padding-bottom:env(safe-area-inset-bottom,0px);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-top:1px solid var(--border);z-index:10;background:#ffffffeb;display:flex;position:fixed;bottom:0;left:50%;transform:translate(-50%)}.bottom-nav-item{color:var(--text-muted);flex-direction:column;flex:1;justify-content:center;align-items:center;gap:3px;font-size:.68rem;font-weight:600;text-decoration:none;display:flex}.bottom-nav-item svg{width:23px;height:23px}.bottom-nav-item.active{color:var(--teal-700)}.bottom-nav-item:hover{text-decoration:none}.page{flex-direction:column;gap:1.1rem;display:flex}.page-header{justify-content:space-between;align-items:flex-start;gap:.75rem;padding-top:.25rem;display:flex}.page-eyebrow{letter-spacing:.08em;text-transform:uppercase;color:var(--teal-600);margin:0;font-size:.8rem;font-weight:700}.page-title{font-size:1.55rem;font-weight:800}.section-title{font-size:1.02rem;font-weight:700}.stack{flex-direction:column;gap:.75rem;display:flex}.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.05rem 1.1rem}.card h2{margin-bottom:.35rem;font-size:1.02rem}.row-card{color:inherit;justify-content:space-between;align-items:center;gap:.9rem;display:flex}.row-card h3{margin-bottom:.2rem;font-size:.98rem}a.row-card:hover{border-color:var(--teal-500);text-decoration:none}.row-card.static{cursor:default}.chevron{color:var(--text-muted);font-size:1.5rem;line-height:1}.snapshot-card{background:linear-gradient(135deg, var(--navy-900), #4c1d95);border:none}.snapshot-card h2{color:#fff}.snapshot-card p{color:#ffffffc7}.plan-badge{background:var(--teal-100);color:var(--teal-700);letter-spacing:.06em;text-transform:uppercase;white-space:nowrap;border-radius:999px;padding:.2rem .65rem;font-size:.72rem;font-weight:800;display:inline-block}.tag{color:#64748b;white-space:nowrap;background:#f1f5f9;border-radius:999px;padding:.18rem .6rem;font-size:.72rem;font-weight:700;display:inline-block}.field{flex-direction:column;gap:.3rem;margin-bottom:.85rem;display:flex}.field span{color:var(--navy-800);font-size:.86rem;font-weight:600}.field em{color:var(--text-muted);font-style:normal;font-weight:500}input{font:inherit;border:1.5px solid var(--border);width:100%;color:var(--text);background:#fbfcfc;border-radius:12px;padding:.7rem .85rem;transition:border-color .15s,box-shadow .15s}input:focus{border-color:var(--teal-600);outline:none;box-shadow:0 0 0 3px #0d948826}.btn{font:inherit;cursor:pointer;border:none;border-radius:12px;width:100%;padding:.78rem 1rem;font-size:.95rem;font-weight:700;transition:background .15s,transform 50ms}.btn:active{transform:scale(.99)}.btn:disabled{opacity:.65;cursor:not-allowed}.btn-primary{background:var(--teal-700);color:#fff}.btn-primary:hover:not(:disabled){background:var(--teal-600)}.btn-danger{color:var(--danger);border:1.5px solid var(--danger-soft);background:#fff}.btn-danger:hover{background:var(--danger-soft)}.alert{border-radius:12px;margin-bottom:.9rem;padding:.7rem .9rem;font-size:.9rem}.alert-error{background:var(--danger-soft);color:#991b1b;border:1px solid #fecaca}.auth-screen{max-width:440px;min-height:100dvh;padding:max(2.5rem, env(safe-area-inset-top,0px) + 2rem) 1.25rem 2rem;background:radial-gradient(60rem 24rem at 80% -10%, #7c3aed2e, transparent), radial-gradient(50rem 22rem at 0% 0%, #5b21b61a, transparent), var(--bg);flex-direction:column;gap:1.4rem;margin:0 auto;display:flex}.auth-brand{text-align:center}.auth-logo{width:62px;height:62px;box-shadow:var(--shadow);border-radius:16px}.auth-brand h1{margin-top:.7rem;font-size:1.5rem;font-weight:800}.auth-brand p{color:var(--text-muted);font-size:.92rem}.auth-card h2{text-align:center;margin-bottom:1rem}.auth-switch{text-align:center;color:var(--text-muted);margin-top:.9rem;font-size:.9rem}.auth-footer{text-align:center;color:var(--text-muted);font-size:.8rem}.detail-list{flex-direction:column;display:flex}.detail-row{justify-content:space-between;align-items:center;gap:1rem;padding:.55rem 0;display:flex}.detail-row+.detail-row{border-top:1px solid var(--border)}.detail-label{color:var(--text-muted);font-size:.88rem}.detail-value{text-align:right;font-weight:600}.card-item{flex-direction:column;gap:.75rem;display:flex}.card-item-head{justify-content:space-between;align-items:flex-start;gap:.75rem;display:flex}.card-item-head h3{font-size:1rem}.card-item-head p{margin-top:.1rem}.card-item-figures{grid-template-columns:repeat(3,1fr);gap:.5rem;display:grid}.card-item-figures>div{flex-direction:column;gap:.1rem;display:flex}.figure-label{letter-spacing:.05em;text-transform:uppercase;color:var(--text-muted);font-size:.72rem;font-weight:700}.figure-value{color:var(--navy-800);font-variant-numeric:tabular-nums;font-weight:700}.figure-value.big{font-size:1.2rem}.figures-grid{grid-template-columns:1fr 1fr;gap:.75rem;margin-bottom:.9rem;display:grid}.figures-grid>div{flex-direction:column;gap:.15rem;display:flex}.summary-strip{grid-template-columns:1fr 1fr;gap:.75rem;display:grid}.summary-strip>div{flex-direction:column;gap:.15rem;display:flex}.status-chip{letter-spacing:.04em;text-transform:uppercase;white-space:nowrap;border-radius:999px;padding:.2rem .6rem;font-size:.72rem;font-weight:800;display:inline-block}.status-unpaid{color:#92400e;background:#fef3c7}.status-partial{color:#075985;background:#e0f2fe}.status-minimum_covered,.status-paid{color:#166534;background:#dcfce7}.status-overdue{background:var(--danger-soft);color:#991b1b}.utilization{flex-direction:column;gap:.3rem;display:flex}.utilization-bar{background:#eef2f1;border-radius:999px;height:8px;overflow:hidden}.utilization-bar span{border-radius:999px;height:100%;transition:width .3s;display:block}.utilization-bar.tone-good span{background:var(--teal-500)}.utilization-bar.tone-warn span{background:#f59e0b}.utilization-bar.tone-bad span{background:var(--danger)}.utilization-bar.tone-na span{background:var(--border)}.utilization-label{color:var(--text-muted);font-size:.78rem}.form-panel{flex-direction:column;display:flex}.field-row{grid-template-columns:1fr 1fr;gap:.75rem;display:grid}.checkbox-field{align-items:center;flex-direction:row!important;gap:.5rem!important}.checkbox-field input{width:20px;height:20px;accent-color:var(--teal-700)}.form-actions{grid-template-columns:1fr 1fr;gap:.75rem;display:grid}.action-row{grid-template-columns:1fr 1fr 1fr;gap:.6rem;display:grid}.btn-compact{width:auto;padding:.5rem .9rem;font-size:.85rem}.btn-secondary{color:var(--teal-700);border:1.5px solid var(--teal-100);background:#fff;padding-left:.5rem;padding-right:.5rem;font-size:.85rem}.btn-ghost{color:var(--text-muted);background:0 0}.back-link{font-size:.85rem}.empty-state{text-align:center;color:var(--text-muted);font-size:.92rem}.section-head{justify-content:space-between;align-items:center;gap:.75rem;display:flex}.scenario-box{border-top:1px solid var(--border);flex-direction:column;gap:.6rem;padding-top:.75rem;display:flex}.scenario-result{border:1px solid var(--teal-100);background:#f0fdfa;border-radius:12px;padding:.7rem .9rem;font-size:.9rem}.scenario-result p{margin:0}.positive{color:var(--teal-700)}.self-end{align-self:flex-end;width:auto}select{font:inherit;border:1.5px solid var(--border);width:100%;color:var(--text);background:#fbfcfc;border-radius:12px;padding:.7rem .85rem}select:focus{border-color:var(--teal-600);outline:none;box-shadow:0 0 0 3px #0d948826}.safe-cash{color:#fff;font-variant-numeric:tabular-nums;margin:.4rem 0 .1rem;font-size:1.9rem;font-weight:800}.safe-cash-label{color:#ffffffbf;margin-left:.35rem;font-size:.85rem;font-weight:600}.recovery-note{color:#ffffffd1;margin-bottom:.8rem;font-size:.85rem}.safety-breakdown{border-top:1px solid #ffffff2e;padding-top:.4rem}.safety-breakdown .detail-label{color:#ffffffb8}.safety-breakdown .detail-value{color:#fff}.tag-warm{color:#92400e;background:#fef3c7}.link-btn{color:var(--danger);font:inherit;cursor:pointer;background:0 0;border:none;padding:0 .15rem}.detail-value.positive,.positive{color:var(--teal-700)}.detail-value.negative,.negative{color:var(--danger)}.stat-grid{grid-template-columns:1fr 1fr;gap:.75rem;display:grid}.stat-card{flex-direction:column;gap:.15rem;display:flex}.stat-sub{font-size:.78rem}.snapshot-warn{background:linear-gradient(135deg,#7f1d1d,#b45309)}.snapshot-card h2,.snapshot-warn h2{color:#fff}.action-row.two{grid-template-columns:1fr 1fr;margin-top:.75rem}.btn-center{text-align:center;display:inline-block}.card-item-figures.two{grid-template-columns:2fr 1fr}.result-box{border-top:1px solid var(--border);margin-top:.6rem;padding-top:.6rem}.disclaimer{font-size:.78rem;font-style:italic}.tag-autopay{background:var(--teal-100);color:var(--teal-700)}.score-number{color:var(--teal-700);margin-right:.4rem;font-size:2rem;font-weight:800}.alert-success{color:#166534;background:#dcfce7;border:1px solid #bbf7d0}.mode-card{border:1.5px solid var(--border);cursor:pointer;width:100%;font:inherit;text-align:left;transition:border-color .15s}.mode-card:hover{border-color:var(--teal-500)}.upgrade-note{border:1.5px solid var(--teal-100);background:#faf7ff}@media (width>=640px){.page-title{font-size:1.75rem}.page,.stack{gap:1rem}}@media (width>=768px){.app-shell,.bottom-nav{max-width:900px}.app-content{padding-inline:1.5rem}.stat-grid{grid-template-columns:repeat(4,1fr)}.summary-strip{gap:1.5rem}.btn{padding:.85rem 1.1rem}.btn-compact,.btn-secondary{min-height:40px}}@media (width>=1024px){.app-shell{align-items:flex-start;max-width:1200px;display:flex}.app-content{flex:1;min-width:0;padding:2.25rem 2.5rem 3.5rem}.bottom-nav{border-top:none;border-right:1px solid var(--border);background:#fff;flex-direction:column;order:-1;justify-content:flex-start;align-items:stretch;gap:.3rem;width:212px;max-width:none;height:100dvh;padding:1.25rem .6rem;position:sticky;top:0;bottom:auto;left:auto;transform:none}.bottom-nav-item{border-radius:12px;flex-direction:row;flex:none;justify-content:flex-start;align-items:center;gap:.7rem;padding:.6rem .8rem;font-size:.92rem}.bottom-nav-item.active{background:var(--teal-100)}.page{gap:1.35rem}.page-title{font-size:2rem}.stat-grid{grid-template-columns:repeat(4,1fr)}.form-panel,form.card{max-width:580px}.calculator-grid{grid-template-columns:1fr 1fr;align-items:start;gap:1rem;display:grid}.detail-row{border-radius:10px;padding:.7rem .5rem}.detail-list .detail-row+.detail-row{border-top:none}.detail-list{gap:2px}.detail-list .detail-row:nth-child(odd){background:#fafbfc}}@media (width>=1280px){.app-shell{max-width:1280px}.app-content{padding-inline:3rem}}.detail-value,.figure-value,.muted,.utilization-label,.stat-sub{overflow-wrap:anywhere}.app-content,.page,.stack{min-width:0}@media (pointer:coarse){.btn,.bottom-nav-item,.tag,.link-btn{min-height:44px}.link-btn{min-width:44px}}@media (width<=420px){.action-row{grid-template-columns:1fr}.action-row.two{grid-template-columns:1fr 1fr}}.money-grid{grid-template-columns:1fr;gap:1rem;display:grid}@media (width>=640px){.money-grid{grid-template-columns:repeat(2,1fr)}}@media (width>=1280px){.money-grid{grid-template-columns:repeat(4,1fr)}}.hub-card{flex-direction:column;gap:.6rem;height:100%;display:flex}.hub-head{justify-content:space-between;align-items:center;gap:.5rem;display:flex}.hub-head h3{font-size:.95rem}.hub-figure{color:var(--navy-900);font-variant-numeric:tabular-nums;font-weight:800}.hub-sub{color:var(--text-muted);font-size:.78rem}.hub-items{flex-direction:column;flex:1;gap:.4rem;display:flex}.hub-item{justify-content:space-between;gap:.5rem;font-size:.85rem;display:flex}.hub-item .hub-item-name{text-overflow:ellipsis;white-space:nowrap;overflow:hidden}.hub-item .hub-item-value{white-space:nowrap;font-variant-numeric:tabular-nums;font-weight:600}.hub-empty{color:var(--text-muted);font-size:.85rem}.hub-view-all{border-top:1px solid var(--border);padding-top:.5rem}.tools-grid{grid-template-columns:1fr;gap:1rem;display:grid}@media (width>=640px){.tools-grid{grid-template-columns:repeat(2,1fr)}}.tool-category{flex-direction:column;gap:.6rem;display:flex}.tool-category>h2{font-size:1rem}.tool-links{flex-direction:column;flex:1;gap:.5rem;display:flex}.tool-link{border:1px solid var(--border);color:inherit;font:inherit;text-align:left;cursor:pointer;background:#fbfcfc;border-radius:12px;justify-content:space-between;align-items:center;gap:.6rem;padding:.7rem .85rem;transition:border-color .15s;display:flex}.tool-link:hover{border-color:var(--teal-500);text-decoration:none}.tool-link strong{color:var(--navy-900);font-size:.92rem}.tool-link .muted{font-size:.8rem}.back-link-bar{justify-content:space-between;align-items:center;gap:.75rem;display:flex}
