:root{
    --accent:#1D5FD1; --deep:#164BA8; --ground:#F4F6FA; --card:#FFFFFF;
    --rule:#D9E0EC; --ink:#131A24; --ink-soft:#3A465A; --muted:#68748C;
    --amber:#9C6B14; --good:#1E874B; --good-soft:#E7F3EC; --warn-soft:#FBF1DF;
    --field:#F7F9FC; --chip:#EAF1FC; --req:#C0392B; --on-accent:#FFFFFF;
    --shadow:0 1px 2px rgba(19,26,36,.05),0 10px 30px rgba(19,26,36,.06);
    --serif:"Fraunces",Georgia,"Times New Roman",serif;
    --sans:"Source Serif 4",Georgia,serif;
    --mono:"IBM Plex Mono",ui-monospace,"SF Mono",Menlo,monospace;
  }
  @media (prefers-color-scheme:dark){:root{
    --ground:#0C1119; --card:#141C28; --rule:#25313F; --ink:#EAF0F8; --ink-soft:#B4C1D3;
    --muted:#7C8AA0; --field:#1B2531; --chip:#1C2A3F; --amber:#D69B45; --good:#4DBE82;
    --good-soft:#16281D; --warn-soft:#2A2415; --accent:#4C8DF0; --deep:#3B78DC; --req:#E4796B; --on-accent:#0C1119;
    --shadow:0 1px 2px rgba(0,0,0,.3),0 14px 34px rgba(0,0,0,.4);}}
  :root[data-theme="dark"]{
    --ground:#0C1119; --card:#141C28; --rule:#25313F; --ink:#EAF0F8; --ink-soft:#B4C1D3;
    --muted:#7C8AA0; --field:#1B2531; --chip:#1C2A3F; --amber:#D69B45; --good:#4DBE82;
    --good-soft:#16281D; --warn-soft:#2A2415; --accent:#4C8DF0; --deep:#3B78DC; --req:#E4796B; --on-accent:#0C1119;
    --shadow:0 1px 2px rgba(0,0,0,.3),0 14px 34px rgba(0,0,0,.4);}
  :root[data-theme="light"]{
    --ground:#F4F6FA; --card:#FFFFFF; --rule:#D9E0EC; --ink:#131A24; --ink-soft:#3A465A;
    --muted:#68748C; --field:#F7F9FC; --chip:#EAF1FC; --amber:#9C6B14; --good:#1E874B;
    --good-soft:#E7F3EC; --warn-soft:#FBF1DF; --accent:#1D5FD1; --deep:#164BA8; --req:#C0392B; --on-accent:#FFFFFF;
    --shadow:0 1px 2px rgba(19,26,36,.05),0 10px 30px rgba(19,26,36,.06);}
  *{box-sizing:border-box}
  body{margin:0;background:var(--ground);color:var(--ink);font-family:var(--sans);
    -webkit-font-smoothing:antialiased;line-height:1.5}
  .shell{max-width:1080px;margin:0 auto;padding:22px 20px 80px}
  .shell.has-appbar{padding-bottom:104px}
  .mono{font-family:var(--mono)}

  /* top header (shared) */
  .top{display:flex;align-items:center;gap:12px;margin-bottom:20px}
  .mark{width:30px;height:30px;color:var(--accent);flex:none}
  .top .name{font-family:var(--serif);font-weight:600;font-size:22px;letter-spacing:-.01em;line-height:1}
  .top .name span{color:var(--accent)}
  .top .eyebrow{font-size:10px;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-top:3px}
  .top .spring{flex:1}
  .topauth{display:flex;align-items:center;gap:8px;flex-wrap:wrap;justify-content:flex-end}
  .topauth .who{font-size:12.5px;color:var(--muted);max-width:180px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
  .topauth a{font-size:13px;font-weight:650;text-decoration:none;color:var(--ink-soft);padding:7px 10px;border-radius:9px;border:1px solid var(--rule)}
  .topauth a:hover{border-color:var(--accent);color:var(--accent)}
  .topauth a.primary{background:var(--accent);border-color:var(--accent);color:var(--on-accent)}
  .topauth a.primary:hover{background:var(--deep);color:var(--on-accent)}
  .modetog{display:inline-flex;background:var(--field);border:1px solid var(--rule);border-radius:999px;padding:3px}
  .modetog button{border:none;background:none;font-family:var(--sans);font-weight:600;font-size:12.5px;color:var(--muted);
    padding:7px 14px;border-radius:999px;cursor:pointer;white-space:nowrap;transition:.14s}
  .modetog button.on{background:var(--accent);color:var(--on-accent)}

  .panel{background:var(--card);border:1px solid var(--rule);border-radius:22px;box-shadow:var(--shadow)}

  /* 3-step progress */
  .steps{display:flex;align-items:center;gap:9px;flex-wrap:wrap;margin-bottom:16px}
  .steps .st{display:flex;align-items:center;gap:8px;font-size:14px;color:var(--muted)}
  .steps .st .n{width:22px;height:22px;border-radius:999px;border:1.5px solid var(--rule);display:grid;place-items:center;
    font-size:11.5px;font-weight:700;color:var(--muted)}
  .steps .st.on{color:var(--ink);font-weight:600}
  .steps .st.on .n{background:var(--accent);border-color:var(--accent);color:var(--on-accent)}
  .steps .st.done .n{background:var(--good-soft);border-color:var(--good);color:var(--good)}
  .steps .sep{color:var(--rule)}

  .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:11px;letter-spacing:.13em;text-transform:uppercase;
    color:var(--muted);font-weight:700;margin-bottom:14px}
  .eyebrow .ic{width:28px;height:28px;border-radius:8px;background:var(--chip);color:var(--accent);display:grid;place-items:center}
  h1.head{font-family:var(--serif);font-weight:600;font-size:40px;line-height:1.08;letter-spacing:-.015em;text-wrap:balance;margin:0 0 12px}
  .lead{font-size:16px;color:var(--ink-soft);max-width:54ch;margin:0 0 8px}
  .req-note{font-size:13px;color:var(--muted);margin:18px 0 10px}
  .req-note b{color:var(--req)}
  .seclabel{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700;font-family:var(--mono);margin:0 0 12px}

  /* classic grid of input cards */
  .cgrid{border:1px solid var(--rule);border-radius:16px;overflow:hidden}
  .cgrid-row{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--rule)}
  .cgrid-row:first-child{border-top:none}
  @media(max-width:680px){.cgrid-row{grid-template-columns:1fr}}
  .cfield{padding:18px 20px;border-left:1px solid var(--rule)}
  .cfield:first-child{border-left:none}
  @media(max-width:680px){.cfield{border-left:none;border-top:1px solid var(--rule)} .cgrid-row .cfield:first-child{border-top:none}}
  .cfield .lrow{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:11px}
  .cfield .lab{font-weight:650;font-size:15.5px}
  .cfield .lab .rq{color:var(--req);margin-left:2px}
  .cfield .unit{font-size:12.5px;color:var(--muted);white-space:nowrap}
  .cfield .help{font-size:12.5px;color:var(--muted);line-height:1.5;margin-top:9px}
  .cfield .help b{color:var(--ink-soft)}

  /* fields */
  .field{display:flex;align-items:center;gap:2px;background:var(--field);border:1.5px solid var(--rule);
    border-radius:12px;padding:0 15px;height:56px;transition:border-color .15s,box-shadow .15s}
  .field:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px color-mix(in srgb,var(--accent) 18%,transparent)}
  .field .pre{font-family:var(--mono);font-size:20px;color:var(--muted);font-weight:500}
  .field .suf{font-family:var(--mono);font-size:14px;color:var(--muted);white-space:nowrap}
  .field input{border:none;background:none;outline:none;width:100%;font-family:var(--mono);
    font-size:21px;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums;min-width:0}
  .field input::placeholder{color:var(--muted);font-weight:500;opacity:.75}

  .btn{border:none;border-radius:13px;height:52px;padding:0 26px;font-size:16px;font-weight:650;cursor:pointer;
    display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--sans);transition:.15s}
  .btn.prime{background:var(--accent);color:var(--on-accent)}
  .btn.prime:hover{background:var(--deep)}
  .btn.big{height:56px;font-size:17px;width:100%}
  .btn.ghost{background:var(--field);color:var(--ink-soft);border:1px solid var(--rule)}
  .btn:active{transform:scale(.98)}
  .linkbtn{background:none;border:none;color:var(--muted);font-size:13.5px;cursor:pointer;text-decoration:underline;
    text-underline-offset:2px;padding:6px;font-family:var(--sans)}
  .linkbtn:hover{color:var(--accent)}

  /* steppers */
  .stepper{display:inline-flex;align-items:center;gap:12px}
  .stepbtn{width:48px;height:48px;flex:none;border-radius:12px;border:1.5px solid var(--rule);
    background:var(--field);color:var(--ink-soft);font-size:24px;font-weight:600;cursor:pointer;font-family:var(--sans);transition:.14s}
  .stepbtn:hover{border-color:var(--accent);color:var(--accent)}
  .stepbtn:active{transform:scale(.95)}
  .stepval{display:inline-flex;align-items:baseline;gap:6px;min-width:120px;justify-content:center}
  .stepval input{width:74px;border:none;background:none;outline:none;text-align:center;font-family:var(--mono);
    font-size:38px;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums}
  .stepval .u{font-size:14px;color:var(--muted);font-weight:500}

  /* risk-style options */
  .opts{display:flex;flex-direction:column;gap:10px}
  .opt{display:flex;align-items:center;gap:13px;border:1.5px solid var(--rule);border-radius:14px;
    padding:14px 16px;cursor:pointer;background:var(--card);transition:.14s;width:100%;text-align:left;font-family:var(--sans)}
  .opt:hover{border-color:color-mix(in srgb,var(--accent) 45%,var(--rule))}
  .opt.sel{border-color:var(--accent);background:color-mix(in srgb,var(--accent) 5%,var(--card))}
  .opt .rad{width:20px;height:20px;flex:none;border-radius:50%;border:2px solid var(--rule);position:relative;transition:.14s}
  .opt.sel .rad{border-color:var(--accent)}
  .opt.sel .rad::after{content:"";position:absolute;inset:3px;border-radius:50%;background:var(--accent)}
  .opt .ot{font-weight:650;font-size:15px;display:block}
  .opt .os{font-size:12.5px;color:var(--muted);display:block;margin-top:2px}

  /* goals + assets */
  .goalrow{display:grid;grid-template-columns:1fr 118px 40px;gap:8px;margin-bottom:8px}
  .goalrow .field{height:46px;padding:0 12px}
  .goalrow .field input{font-size:16px}
  .goalrow .field input::placeholder{font-size:14px}
  .yr-field{margin-bottom:14px}
  .xbtn{height:46px;border:1.5px solid var(--rule);background:var(--field);border-radius:11px;color:var(--muted);cursor:pointer;font-size:17px}
  .addbtn{background:none;border:1.5px dashed var(--rule);color:var(--accent);border-radius:11px;height:44px;width:100%;
    cursor:pointer;font-weight:600;font-size:14px;font-family:var(--sans)}
  .agrid{display:grid;grid-template-columns:1fr 1fr;gap:13px 14px}
  .afield .alab{font-size:13px;font-weight:600;margin-bottom:6px}
  .afield .alab span{font-weight:400;color:var(--muted)}
  .afull{grid-column:1/-1}

  /* ---- HOME ---- */
  .home{padding:34px 34px 38px}
  @media(max-width:680px){.home{padding:22px 18px 26px}}
  .homelist{display:flex;flex-direction:column;gap:9px;margin:20px 0 26px}
  .homelist div{display:flex;align-items:flex-start;gap:10px;font-size:14.5px;color:var(--ink-soft)}
  .samples{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:0 0 4px}
  @media(max-width:680px){.samples{grid-template-columns:1fr}}
  .sample{border:1px solid var(--rule);border-radius:14px;padding:14px;background:var(--field);width:100%;text-align:left;cursor:pointer;font-family:inherit;color:inherit;display:block;transition:.14s}
  .sample:hover{border-color:color-mix(in srgb,var(--accent) 45%,var(--rule));transform:translateY(-2px);box-shadow:var(--shadow)}
  .sm-see{margin-top:10px;font-family:var(--mono);font-size:12px;color:var(--accent);font-weight:600}
  .samplebanner{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;background:var(--chip);border:1px solid color-mix(in srgb,var(--accent) 25%,var(--rule));border-radius:12px;padding:10px 14px;margin:0 0 14px;font-size:13.5px;color:var(--ink-soft)}
  .samplebanner b{color:var(--ink)}
  .sb-x{background:none;border:none;color:var(--accent);font-weight:700;font-size:13px;cursor:pointer;font-family:var(--sans);white-space:nowrap}
  .sm-top{display:flex;justify-content:space-between;align-items:flex-start;gap:8px}
  .sm-name{font-weight:700;font-size:14.5px}
  .sm-desc{font-size:12px;color:var(--muted);margin-top:1px}
  .sm-chip{flex:0 0 auto;font-size:10.5px;font-weight:700;padding:3px 8px;border-radius:99px;white-space:nowrap}
  .sm-chip.good{background:var(--good-soft);color:var(--good)} .sm-chip.warn{background:var(--warn-soft);color:var(--amber)}
  .sm-move{margin:11px 0 8px;font-family:var(--serif);font-weight:650;font-size:16px;color:var(--accent)}
  .sm-rows{display:flex;flex-direction:column;gap:3px;font-size:12.5px;color:var(--ink-soft)}
  .homelist svg{flex:none;margin-top:2px;color:var(--accent)}

  /* ---- CONVERSATION ---- */
  .chatwrap{max-width:520px;margin:0 auto}
  .dots{display:flex;gap:5px;margin-bottom:18px}
  .dots i{height:4px;flex:1;border-radius:999px;background:var(--rule);transition:background .35s}
  .dots i.done{background:var(--accent)} .dots i.now{background:var(--accent);opacity:.45}
  .q{display:flex;flex-direction:column;opacity:0;transform:translateX(14px);transition:opacity .3s,transform .3s}
  .q.show{opacity:1;transform:none}
  .q .eyebrow{color:var(--accent)}
  .ask{font-family:var(--serif);font-weight:600;font-size:26px;line-height:1.22;letter-spacing:-.01em;text-wrap:balance;margin:0 0 6px}
  .hint{color:var(--muted);font-size:14px;margin:0 0 20px}
  .qbody{margin-bottom:6px}
  .back{background:none;border:none;color:var(--muted);font-size:13px;cursor:pointer;font-family:var(--sans);padding:6px 0;margin-top:14px}
  /* live advice cards during data entry (split -> spend -> freedom) */
  .livecards{margin-top:20px;display:flex;flex-direction:column;gap:10px}
  .lc-lab{font-size:10.5px;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);font-weight:600}
  .livecard{border:1px solid var(--rule);border-radius:14px;padding:13px 15px;background:var(--field)}
  .livecard.muted{color:var(--muted);font-size:13.5px}
  .livecard.hero{background:linear-gradient(180deg,color-mix(in srgb,var(--accent) 8%,var(--card)),var(--card));border-color:color-mix(in srgb,var(--accent) 28%,var(--rule))}
  .livecard .lc-k{font-size:10.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);font-weight:600}
  .livecard .lc-v{font-family:var(--serif);font-weight:600;font-size:23px;letter-spacing:-.01em;margin-top:3px;color:var(--accent);font-variant-numeric:tabular-nums}
  .livecard .lc-v small{font-family:var(--sans);font-size:12.5px;font-weight:500;color:var(--ink-soft)}
  .lc-splitrows{margin-top:7px;display:flex;flex-direction:column;gap:6px}
  .lc-d{font-family:var(--sans);font-size:11.5px;font-weight:700;padding:2px 7px;border-radius:999px;margin-left:4px}
  .lc-d.up{background:var(--good-soft);color:var(--good)} .lc-d.dn{background:var(--warn-soft);color:var(--amber)}
  .lc-teaser{display:flex;gap:8px;align-items:flex-start;background:rgba(29,157,90,.06);border:1px dashed color-mix(in srgb,var(--good) 40%,var(--rule));border-radius:12px;padding:11px 13px;font-size:13px;line-height:1.45;color:var(--ink-soft)}
  .lc-teaser b{color:var(--good);font-weight:700} .lc-teaser svg{flex:0 0 auto;margin-top:1px;color:var(--good)}
  .trust{display:flex;gap:9px;align-items:flex-start;margin-top:15px;font-size:12.5px;color:var(--muted);line-height:1.45}
  .trust svg{flex:none;margin-top:1px;color:var(--good)}
  .err{color:var(--amber);font-size:12.5px;margin-top:8px}
  .okmsg{display:flex;gap:9px;align-items:center;font-size:14px;color:var(--good);font-weight:600}

  /* ---- PLAN / RESULTS ---- */
  .res{max-width:560px;margin:0 auto}
  .verdict{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:13px;border-radius:999px;padding:6px 13px;margin-bottom:12px}
  .verdict.good{background:var(--good-soft);color:var(--good)} .verdict.warn{background:var(--warn-soft);color:var(--amber)}
  .verdict svg{flex:none}
  .res-head{font-family:var(--serif);font-weight:600;font-size:30px;letter-spacing:-.01em;text-wrap:balance;margin:2px 0 4px}
  .res-sub{color:var(--muted);font-size:13px;margin-bottom:20px}
  .rcards{display:flex;flex-direction:column;gap:11px}
  .rcard{border:1px solid var(--rule);border-radius:16px;padding:15px 16px;background:var(--field)}
  .rcard .k{font-size:11px;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);font-weight:600}
  .rcard .v{font-family:var(--serif);font-weight:600;font-size:26px;letter-spacing:-.01em;margin-top:3px;font-variant-numeric:tabular-nums}
  .rcard .v small{font-family:var(--sans);font-size:13px;font-weight:500;color:var(--ink-soft)}
  .rcard.hero{background:linear-gradient(180deg,color-mix(in srgb,var(--accent) 9%,var(--card)),var(--card));border-color:color-mix(in srgb,var(--accent) 30%,var(--rule))}
  .rcard.hero .v{color:var(--accent);font-size:32px}
  .splitrows{margin-top:8px;display:flex;flex-direction:column;gap:7px}
  .splitrow{display:flex;align-items:baseline;justify-content:space-between;gap:10px}
  .splitrow .sl{font-size:14px;color:var(--ink);display:flex;align-items:center;gap:8px}
  .splitrow .sl b{width:9px;height:9px;border-radius:3px;display:inline-block}
  .splitrow .sa{font-family:var(--serif);font-weight:650;font-size:20px;color:var(--accent);font-variant-numeric:tabular-nums}
  .splitrow .sa small{font-family:var(--sans);font-size:12px;font-weight:500;color:var(--ink-soft);margin-left:2px}
  .sec{margin-top:24px}
  .sech{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:11px;display:flex;align-items:center;gap:7px}
  .mix{display:flex;height:11px;border-radius:999px;overflow:hidden;margin:4px 0 8px}
  .mix i{height:100%}
  .mixkey{display:flex;gap:13px;font-size:12px;color:var(--ink-soft);flex-wrap:wrap}
  .mixkey b{display:inline-block;width:9px;height:9px;border-radius:3px;margin-right:5px;vertical-align:middle}
  .plan{display:flex;flex-direction:column;gap:8px}
  .planrow{display:flex;justify-content:space-between;align-items:center;padding:11px 14px;background:var(--field);border:1px solid var(--rule);border-radius:12px;font-size:14px}
  .planrow .n{color:var(--ink-soft)} .planrow .a{font-family:var(--mono);font-weight:600;font-variant-numeric:tabular-nums}
  .checks{border:1px solid var(--rule);border-radius:16px;padding:16px;background:var(--field)}
  .checks-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:12px}
  .checks-top .pct{font-family:var(--serif);font-weight:600;font-size:22px;color:var(--good)}
  .checks-top .pct.warn{color:var(--amber)}
  .checkbar{height:8px;border-radius:999px;background:var(--rule);overflow:hidden;margin-bottom:14px}
  .checkbar i{height:100%;background:var(--good);display:block} .checkbar i.warn{background:var(--amber)}
  .checkrow{display:flex;align-items:center;gap:10px;padding:9px 0;border-top:1px solid var(--rule);font-size:13.5px}
  .checkrow:first-of-type{border-top:none}
  .checkrow .ci{width:20px;height:20px;flex:none;border-radius:999px;display:grid;place-items:center}
  .checkrow .ci.ok{background:var(--good-soft);color:var(--good)} .checkrow .ci.no{background:var(--warn-soft);color:var(--amber)}
  .checkrow .cl{flex:1} .checkrow .cv{color:var(--muted);font-variant-numeric:tabular-nums}
  .action{display:flex;gap:12px;align-items:flex-start;border:1px solid color-mix(in srgb,var(--accent) 30%,var(--rule));
    border-radius:16px;padding:15px 16px;background:color-mix(in srgb,var(--accent) 5%,var(--card))}
  .action .ai{width:34px;height:34px;flex:none;border-radius:10px;background:var(--accent);color:var(--on-accent);display:grid;place-items:center}
  .action .at{font-weight:650;font-size:14.5px;margin-bottom:2px} .action .as{font-size:13px;color:var(--ink-soft);line-height:1.5}

  .chkrow{display:flex;align-items:center;gap:9px;font-size:14px;cursor:pointer;padding:4px 0}
  .chkrow input{width:17px;height:17px;accent-color:var(--accent)}
  .explore{padding:14px 2px 2px}
  .explore.loading{opacity:.6}
  .explore input[type=range],.recwrap input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;background:var(--rule);outline:none;margin:0 0 14px}
  .explore input[type=range]::-webkit-slider-thumb,.recwrap input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--accent);border:3px solid var(--card);box-shadow:0 1px 4px rgba(0,0,0,.25);cursor:pointer}
  .explore input[type=range]::-moz-range-thumb,.recwrap input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--accent);border:3px solid var(--card);cursor:pointer}
  .recwrap{padding:6px 2px 2px}
  .recline{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin:2px 0 8px}
  .recline .recl{font-size:13.5px;color:var(--ink-soft)}
  .recline .recv{font-family:var(--mono,'IBM Plex Mono',monospace);font-size:20px;font-weight:600;color:var(--ink)}
  .reccouple{display:flex;align-items:center;gap:6px;font-size:11.5px;color:var(--ink-soft);margin:2px 0 10px;text-transform:uppercase;letter-spacing:.04em}
  .rechint{font-size:12.5px;color:var(--ink-soft);line-height:1.45;margin-top:2px}
  .exp-read{display:flex;flex-direction:column;gap:8px}
  .exp-spend{font-family:var(--serif);font-size:26px;font-weight:600}
  .exp-spend small{font-family:inherit;font-size:13px;color:var(--muted);font-weight:400}
  .exp-metrics{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:14px;color:var(--ink-soft)}
  .exp-metrics b{color:var(--ink)}
  .exp-flag{font-weight:650;font-size:12.5px;padding:2px 10px;border-radius:99px;background:var(--rule)}
  .exp-flag.ok{background:rgba(29,157,90,.14);color:var(--good)}
  .exp-flag.warn{background:rgba(156,107,20,.14);color:var(--amber)}
  /* ---- CR 7-08: progress-since-last-plan card ---- */
  .sec.progress{background:rgba(29,95,209,.05);border:1px solid var(--rule);border-radius:14px;padding:14px 16px 8px;margin-top:4px}
  .sec.progress .sech{color:var(--accent)}
  .pgrow{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:7px 0;border-top:1px solid var(--rule)}
  .pgrow:first-of-type{border-top:none}
  .pgl{font-size:14px;color:var(--ink-soft)}
  .pgv{font-family:var(--serif);font-size:15px;color:var(--ink-soft);white-space:nowrap}
  .pgv b{color:var(--ink);font-weight:650}
  .pgar{font-family:var(--sans);font-weight:800;padding:0 3px}
  .pgar.up{color:var(--good)} .pgar.dn{color:var(--amber)}
  /* ---- CR 8-01: cash-management (treasury) section ---- */
  .trbox{background:rgba(29,157,90,.05);border:1px solid var(--rule);border-radius:14px;padding:16px 16px 8px}
  .trhead{font-family:var(--serif);font-size:19px;line-height:1.35;font-weight:550}
  .trhead b{color:var(--good);font-weight:700}
  .trsub{font-size:13.5px;color:var(--ink-soft);margin:6px 0 12px}
  .trsteps{margin:0 0 12px;padding-left:20px;display:flex;flex-direction:column;gap:9px}
  .trsteps li{font-size:14px;line-height:1.5;color:var(--ink-soft)}
  .trsteps li b{color:var(--ink);font-weight:600}
  .trwarn{display:flex;gap:8px;align-items:flex-start;background:rgba(156,107,20,.1);color:var(--amber);
    border-radius:10px;padding:11px 13px;font-size:13px;line-height:1.5;font-weight:500;margin-bottom:6px}
  .trwarn svg{flex:0 0 auto;margin-top:2px}
  .trnote{display:flex;gap:8px;align-items:flex-start;color:var(--ink-soft);font-size:13px;line-height:1.5;margin-bottom:12px}
  .trnote svg{flex:0 0 auto;margin-top:2px;color:var(--good)}
  .tradj{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;
    background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:9px 12px;margin-bottom:12px}
  .tradj-l{font-size:13.5px;color:var(--ink);font-weight:500}
  .tradj .field{width:96px;margin:0}
  /* ---- expanders: nudges + info nuggets ---- */
  .exp{border:1px solid var(--rule);border-radius:14px;background:var(--field);overflow:hidden}
  .exp+.exp{margin-top:10px}
  .exp-h{width:100%;display:flex;align-items:center;justify-content:space-between;gap:12px;background:none;border:none;
    padding:15px 16px;cursor:pointer;font-family:var(--sans);text-align:left;color:var(--ink)}
  .exp-h .chev{flex:none;transition:transform .2s;color:var(--muted)}
  .exp.open .exp-h .chev{transform:rotate(180deg)}
  .exp-b{display:none;padding:2px 16px 16px}
  .exp.open .exp-b{display:block;animation:expIn .2s ease}
  @keyframes expIn{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}
  .nudge .nudge-t{font-weight:650;font-size:15px;display:flex;flex-direction:column;gap:2px}
  .nudge .nudge-w{font-weight:400;font-size:12.5px;color:var(--muted);line-height:1.4}
  .nudge.done .exp-h .nudge-t::after{content:"\2713 added";color:var(--good);font-weight:600;font-size:11.5px;letter-spacing:.02em}
  .nudge.hot{border-color:var(--accent);box-shadow:0 0 0 1px var(--accent) inset}
  .nudge-tag{align-self:flex-start;font-size:10.5px;font-weight:700;letter-spacing:.03em;text-transform:uppercase;
    color:var(--accent);background:rgba(29,95,209,.10);border-radius:99px;padding:2px 8px;margin:2px 0}
  .nudge.done.hot .nudge-tag{display:none}
  .exp.mini{border:none;background:none;border-radius:0;margin-top:2px}
  /* ---- multi-loan input rows + per-loan prepay card ---- */
  .loanrow.extra{border-top:1px dashed var(--rule);margin-top:14px;padding-top:12px}
  .lrhdr{display:flex;align-items:center;justify-content:space-between;font-size:12px;font-weight:600;color:var(--muted);margin-bottom:8px}
  .lrx{background:none;border:none;color:var(--accent);font-size:12px;cursor:pointer;font-family:var(--sans)}
  .btn.addloan{width:100%;margin-top:12px;font-size:13px;padding:9px}
  .prepaylist{display:flex;flex-direction:column;gap:9px}
  .pploan{border:1px solid var(--rule);border-radius:12px;padding:11px 13px;background:var(--field)}
  .pploan .pph{display:flex;align-items:center;gap:8px;justify-content:space-between}
  .pploan .ppn{font-weight:650;font-size:14px;display:flex;align-items:center;gap:7px}
  .ppord{flex:none;width:19px;height:19px;border-radius:50%;background:var(--accent);color:var(--on-accent);font-size:11px;font-weight:700;display:inline-flex;align-items:center;justify-content:center}
  .ppdec{font-size:10.5px;font-weight:700;letter-spacing:.03em;text-transform:uppercase;padding:2px 8px;border-radius:99px}
  .ppdec.full{color:var(--accent);background:rgba(29,95,209,.10)}
  .ppdec.partial{color:var(--amber);background:rgba(156,107,20,.12)}
  .ppdec.skip{color:var(--muted);background:var(--rule)}
  .pploan .ppv{font-family:var(--serif);font-weight:600;font-size:18px;margin-top:5px;font-variant-numeric:tabular-nums}
  .pploan .ppv small{font-family:var(--sans);font-size:12px;font-weight:500;color:var(--ink-soft)}
  .pploan .ppsub{font-size:12px;color:var(--muted);margin-top:3px;line-height:1.4}
  .exp.mini+.exp.mini{margin-top:0}
  .exp.mini .exp-h{padding:7px 0;font-size:12.5px;color:var(--muted);font-weight:600}
  .exp.mini .exp-b{padding:0 0 8px;font-size:12.5px;color:var(--ink-soft);line-height:1.55}
  .whybox{font-size:12.5px;color:var(--ink-soft);line-height:1.55;background:var(--card);border:1px solid var(--rule);border-radius:11px;padding:11px 13px;margin-top:12px}
  .sharp{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:700;margin:28px 0 12px}
  .sharp-lead{font-size:13.5px;color:var(--ink-soft);margin:-6px 0 14px}

  /* ---- sticky app action bar ---- */
  .appbar{position:fixed;left:0;right:0;bottom:0;z-index:50;background:color-mix(in srgb,var(--ground) 86%,transparent);
    backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-top:1px solid var(--rule);
    padding:12px 16px calc(12px + env(safe-area-inset-bottom))}
  .appbar-in{max-width:560px;margin:0 auto;display:flex;gap:10px;align-items:center}
  .appbar .btn{flex:1}
  .appbar .subcta{font-size:12.5px;color:var(--muted);cursor:pointer;background:none;border:none;font-family:var(--sans);white-space:nowrap;padding:0 6px}

  @media(max-width:680px){
    .shell{padding:16px 14px 90px}
    .shell.has-appbar{padding-bottom:104px}
    .top{flex-wrap:wrap}
    .top .name{font-size:19px}
    .topauth{margin-left:auto}
    .topauth .who{display:none}
    .topauth a{font-size:12px;padding:6px 8px}
    .modetog{order:3;width:100%;justify-content:center}
    h1.head{font-size:29px}
    .res-head{font-size:25px}
    .ask{font-size:22px}
    .panel{border-radius:18px}
    .agrid{grid-template-columns:1fr 1fr}
  }
  @media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}

  /* statement screens: useful anonymous state instead of an unstyled theme fragment */
  .finlaxmi-login{max-width:560px;margin:32px auto;padding:18px 20px;text-align:center;
    background:var(--card);border:1px solid var(--rule);border-radius:14px;box-shadow:var(--shadow);
    color:var(--ink-soft);font-size:15px;line-height:1.65}
  .finlaxmi-login a{display:inline-block;margin:0 2px;color:var(--accent);font-weight:650;
    text-decoration-thickness:1px;text-underline-offset:3px}

  /* ---- FinLaxmi app shell: statement screens never inherit the marketing-theme hero ---- */
  /* One design system: the app shell uses the planner's palette, fonts and dark mode, not its own. */
  body.finlaxmi-app-page{min-height:100vh;background:var(--ground);color:var(--ink)}
  /* Web Interface Guidelines: a visible keyboard focus on everything that can take it; no double-tap
     zoom delay; native selects keep the page's colours */
  .finlaxmi-app-page :is(a,button,summary,select,input,textarea,[tabindex]):focus-visible{
    outline:2px solid var(--accent);outline-offset:2px;border-radius:6px}
  .finlaxmi-app-page :is(a,button,summary,label,select){touch-action:manipulation}
  .finlaxmi-app-page select{background-color:var(--card);color:var(--ink)}
  .finlaxmi-app-header{position:relative;z-index:20;background:color-mix(in srgb,var(--card) 94%,transparent);
    border-bottom:1px solid var(--rule);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px)}
  .finlaxmi-app-header__inner{max-width:1080px;min-height:66px;margin:0 auto;padding:0 20px;
    display:flex;align-items:center;justify-content:space-between;gap:20px}
  .finlaxmi-app-brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-size:20px;
    font-weight:750;letter-spacing:-.025em;text-decoration:none;white-space:nowrap}
  .finlaxmi-app-brand>span:last-child>span{color:var(--accent)}
  .finlaxmi-app-brand__mark{width:30px;height:26px;display:block;flex:none;color:var(--accent);fill:currentColor}
  .finlaxmi-app-nav{display:flex;align-items:center;gap:6px}
  .finlaxmi-app-nav__hint{display:none}
  .finlaxmi-app-nav a{display:inline-flex;align-items:center;min-height:38px;padding:0 12px;border-radius:10px;
    color:var(--ink-soft);font-size:13.5px;font-weight:650;text-decoration:none;white-space:nowrap}
  .finlaxmi-app-nav a:hover{background:var(--field);color:var(--accent)}
  .finlaxmi-app-nav a[aria-current="page"]{background:var(--chip);color:var(--accent)}
  .finlaxmi-skip-link{position:absolute;left:12px;top:-60px;z-index:50;padding:10px 14px;border-radius:10px;background:var(--accent);color:var(--on-accent);font-weight:600}
  .finlaxmi-skip-link:focus{top:12px}
  .finlaxmi-app-page .screen-reader-text{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(1px,1px,1px,1px);white-space:nowrap}
  .finlaxmi-app-nav a.finlaxmi-app-nav__primary{background:var(--accent);color:var(--on-accent)}
  .finlaxmi-app-nav a.finlaxmi-app-nav__primary:hover{background:var(--deep);color:var(--on-accent)}
  .finlaxmi-app-nav a.finlaxmi-app-nav__quiet{color:var(--muted)}
  .finlaxmi-app-nav a.finlaxmi-app-nav__logout{margin-left:4px;border:1px solid var(--rule);color:var(--ink)}
  .finlaxmi-app-nav a.finlaxmi-app-nav__logout:hover{border-color:var(--accent);background:var(--field)}
  .finlaxmi-app-nav__locked{display:inline-flex;align-items:center;min-height:38px;padding:0 12px;border-radius:10px;
    color:var(--muted);font-size:13.5px;font-weight:650;white-space:nowrap;cursor:not-allowed;opacity:.68}
  .finlaxmi-app-main{min-height:calc(100vh - 132px)}
  .finlaxmi-app-main>.shell{padding-top:34px}
  .finlaxmi-page-intro{margin:0 0 22px}
  .finlaxmi-page-intro .eyebrow{margin:0 0 5px;color:var(--accent)}
  .finlaxmi-page-intro h1{margin:0;color:var(--ink);font-family:var(--serif);font-size:clamp(28px,4vw,38px);
    line-height:1.12;letter-spacing:-.035em;font-weight:750;text-wrap:balance}
  .fl-section-title{margin:0 0 6px;font-size:clamp(24px,3.2vw,32px);line-height:1.15;letter-spacing:-.025em;text-wrap:balance}
  .finlaxmi-app-content{width:100%}
  .finlaxmi-app-content>.panel+.panel{margin-top:20px}
  .finlaxmi-app-page .panel{overflow-x:auto}
  .finlaxmi-app-page .fl-cost-positions{padding:24px;overflow-x:hidden}
  .fl-cost-positions>.hint{margin-bottom:8px}
  .fl-cost-totals{margin:18px 0 22px;padding:18px 20px;border:1px solid var(--rule);border-radius:14px;background:var(--field)}
  .fl-cost-totals h3,.fl-cost-position h3{margin:0 0 8px}
  .fl-cost-totals h4{margin:16px 0 8px}
  .fl-cost-totals .hint{margin-bottom:10px}
  .fl-cost-position{min-width:0;margin-top:12px;padding:18px 20px;border:1px solid var(--rule);border-radius:14px;background:var(--card)}
  .fl-cost-position>.hint{margin-bottom:10px}
  .fl-cost-positions dl{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:6px 16px;margin:12px 0;min-width:0}
  .fl-cost-positions dt{color:var(--ink-soft)}
  .fl-cost-positions dd{margin:0;min-width:0;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}
  .fl-cost-position .fl-coverage-group ol,.fl-cost-totals .fl-coverage-group ul{margin:10px 14px 14px;padding-inline-start:1.5rem}
  @media(max-width:600px){.finlaxmi-app-page .panel.fl-cost-positions[style]{padding:18px 16px!important}
    .fl-cost-totals,.fl-cost-position{padding:16px}}
  .finlaxmi-app-page .finlaxmi-gmail-connect{color:var(--ink-soft);font-size:14px;line-height:1.6}
  .finlaxmi-app-page .fl-google-consent{margin:0 0 16px;padding:14px 16px;border:1px solid var(--rule);
    border-left:3px solid var(--accent);border-radius:12px;background:var(--field);color:var(--ink-soft);
    font-size:13px;line-height:1.55}
  .finlaxmi-app-page .fl-google-consent p{margin:0 0 8px}.finlaxmi-app-page .fl-google-consent p:last-child{margin-bottom:0}
  .finlaxmi-app-page .fl-google-consent__title{color:var(--ink);font-size:13.5px;font-weight:750}
  .finlaxmi-app-page .fl-google-consent a{color:var(--accent);font-weight:650;text-underline-offset:2px}
  .finlaxmi-app-page .finlaxmi-gmail-connect>a:first-child,
  .finlaxmi-app-page .finlaxmi-gmail-connect>a.fl-google-connect{display:inline-flex;align-items:center;justify-content:center;
    min-height:48px;margin:4px 8px 4px 0;padding:0 22px;border-radius:12px;background:var(--accent);color:var(--on-accent);
    font-size:15px;font-weight:700;text-decoration:none;box-shadow:0 7px 18px color-mix(in srgb,var(--accent) 20%,transparent)}
  .finlaxmi-app-page .finlaxmi-gmail-connect>a:first-child:hover,
  .finlaxmi-app-page .finlaxmi-gmail-connect>a.fl-google-connect:hover{background:var(--deep);color:var(--on-accent)}
  .finlaxmi-app-page .panel>.lead+.checkbar+.hint,
  .finlaxmi-app-page .panel>.lead+.hint{display:none}
  .finlaxmi-app-page table.widefat{width:100%;min-width:680px;border-collapse:collapse}
  .finlaxmi-app-page table.widefat th,.finlaxmi-app-page table.widefat td{padding:10px 12px;
    border-bottom:1px solid var(--rule);font-size:13px;text-align:left}
  .finlaxmi-app-page .help{font-size:13.5px;line-height:1.55;margin:7px 0 14px}
  .finlaxmi-app-page label.chkrow[style]{display:flex!important;align-items:center;gap:10px;padding:8px 0!important}
  .finlaxmi-app-page label.chkrow input[type="radio"]{width:18px;height:18px;margin:0;flex:0 0 auto}

  /* statements overview: result first, actions second, machinery folded away */
  .finlaxmi-app-page .ask{font-size:clamp(24px,3.2vw,34px);letter-spacing:-.025em}
  .finlaxmi-app-page .lead{max-width:68ch;line-height:1.6}
  .fl-overview{margin-top:24px}
  .fl-overview-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
  .fl-overview-stat{min-width:0;padding:14px 15px;border:1px solid var(--rule);border-radius:13px;background:var(--field)}
  .fl-overview-stat .n{display:block;color:var(--muted);font-size:12px;font-weight:650;margin-bottom:4px}
  .fl-overview-stat .a{display:block;color:var(--ink);font-size:15px;font-weight:750;line-height:1.35;overflow-wrap:anywhere;
    font-variant-numeric:tabular-nums}
  .fl-workspace-nav{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin:22px 0}
  .fl-workspace-link{display:flex;flex-direction:column;gap:3px;padding:15px 16px;border:1px solid var(--rule);
    border-radius:14px;background:var(--card);color:var(--ink);text-decoration:none;
    transition:border-color .15s,box-shadow .15s,transform .15s}
  .fl-workspace-link:hover{border-color:var(--accent);box-shadow:0 6px 18px rgba(49,89,200,.09);transform:translateY(-1px)}
  .fl-workspace-link strong{font-size:14.5px;color:var(--accent)}
  .fl-workspace-link span{font-size:12.5px;line-height:1.45;color:var(--muted)}
  .fl-mailbox-settings{margin-top:22px;padding-top:16px;border-top:1px solid var(--rule);color:var(--muted)}
  .fl-mailbox-settings>summary{width:max-content;cursor:pointer;font-size:13px;font-weight:650;color:var(--ink-soft)}
  .fl-mailbox-settings__body{max-width:540px;margin-top:10px;padding:13px 15px;border-radius:12px;background:var(--field);font-size:13px}
  .fl-mailbox-settings__body p{margin:0 0 9px}.fl-mailbox-settings__body p:last-child{margin-bottom:0}
  .fl-mailbox-settings__body .hint{font-size:12px;line-height:1.5}
  .fl-renew-access{display:inline-flex;padding:7px 10px;border:1px solid var(--accent);border-radius:9px;
    color:var(--accent);font-weight:650;text-decoration:none}
  .fl-disconnect{display:inline-flex;padding:7px 10px;border:1px solid #D8A29B;border-radius:9px;color:#9B3328;
    background:#FFF8F7;font-size:12.5px;font-weight:700;text-decoration:none}

  /* compact coverage: one useful account summary, history only on request */
  .fl-coverage-status{margin:18px 0 0;padding:12px 14px;border-radius:12px;background:var(--field);
    color:var(--ink-soft);font-size:13px;line-height:1.55}
  .fl-account-coverage{margin:12px 0;padding:16px 17px;border:1px solid var(--rule);border-radius:16px;background:var(--card)}
  .fl-account-coverage__head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px}
  .fl-account-coverage h3{margin:0 0 3px;font-size:17px;letter-spacing:-.01em}
  .fl-account-coverage .hint{margin:0;font-size:12.5px}
  .fl-account-summary{margin:13px 0 0;color:var(--ink-soft);font-size:14px}
  .fl-status-pill{flex:none;display:inline-flex;align-items:center;min-height:27px;padding:3px 9px;border-radius:999px;
    font-size:11.5px;font-weight:750;white-space:nowrap}
  .fl-status-pill--ready{background:var(--good-soft);color:var(--good)}
  .fl-status-pill--work{background:var(--warn-soft);color:var(--amber)}
  .fl-month-history,.fl-doubt-details,.fl-coverage-work,.fl-investigating,.fl-resolved-group,.fl-period-detail{
    margin-top:13px;border:1px solid var(--rule);border-radius:12px;background:var(--field)}
  .fl-month-history>summary,.fl-doubt-details>summary,.fl-coverage-work>summary,.fl-investigating>summary,
  .fl-resolved-group>summary,.fl-period-detail>summary{cursor:pointer;padding:11px 13px;color:var(--ink-soft);font-size:13px;font-weight:700}
  .fl-month-history[open]>summary,.fl-doubt-details[open]>summary,.fl-coverage-work[open]>summary,
  .fl-investigating[open]>summary,.fl-resolved-group[open]>summary,.fl-period-detail[open]>summary{
    border-bottom:1px solid var(--rule)}
  .fl-coverage-wrap,.fl-doubt-details>div,.fl-coverage-work>div,.fl-resolved-group__body{padding:13px;overflow-x:auto}
  table.fl-coverage{border-collapse:separate;border-spacing:4px;min-width:560px}
  .fl-cell{width:39px;height:30px;padding:0 5px;border-radius:7px;text-align:center;font-size:10.5px;font-weight:750;
    color:var(--ink-soft);background:var(--field);border:1px solid transparent}
  td.fl-cell:focus-visible{outline:2px solid var(--accent);outline-offset:2px;position:relative;z-index:1}
  .fl-account-identity{margin-top:6px;font-size:12.5px;color:var(--ink-soft)}
  .fl-account-identity>summary{cursor:pointer;width:max-content;max-width:100%}
  .fl-account-identity>summary:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:3px}
  .fl-account-identity .hint{margin:6px 0 0;overflow-wrap:anywhere}
  span.fl-cell{display:inline-block;width:14px;height:14px;padding:0;vertical-align:-2px}
  .fl-reconciled{background:#DDF3E9;color:#12653F}.fl-bridged,.fl-explained{background:#E8EEF9;color:#365177}
  .fl-suspense,.fl-unreadable,.fl-no_source{background:#FBE7E2;color:#923D30}
  .fl-gap,.fl-unchecked,.fl-duplicate{background:#FFF0D8;color:#855A13}
  .fl-excluded,.fl-holdings,.fl-possibly_closed{background:#EEEAF8;color:#5E4A8A}.fl-blank{background:transparent;border-color:transparent}
  .fl-unknown{background:#ECEFF4;color:#68748C}
  .fl-coverage-work{margin:20px 0}.fl-doubt-details{max-width:52em}
  /* F3: accounts folded by state; the shell's three top questions */
  .fl-coverage-group{margin:12px 0;border:1px solid var(--rule);border-radius:14px;background:var(--field)}
  .fl-coverage-group>summary{cursor:pointer;padding:12px 14px;color:var(--ink-soft);font-size:14px}
  .fl-coverage-group>summary strong{color:var(--ink)}
  .fl-coverage-group[open]>summary{border-bottom:1px solid var(--rule)}
  .fl-coverage-group>.hint{margin:10px 14px 0;font-size:12.5px}
  .fl-coverage-group>.fl-account-coverage{margin:10px}
  .fl-coverage-group--resolving>summary strong{color:var(--amber)}
  .fl-account-choices{border:1px solid var(--rule);border-radius:14px;background:var(--field)}
  .fl-account-choices>summary{cursor:pointer;padding:12px 14px;color:var(--ink-soft);font-size:14px}
  .fl-account-choices>summary strong{color:var(--ink)}
  .fl-account-choices[open]>summary{border-bottom:1px solid var(--rule)}
  .fl-account-choices>div{padding:12px}
  .fl-answer-fold{margin-top:12px}
  .fl-answer-fold>summary{cursor:pointer;color:var(--accent);font-size:14px;font-weight:600;padding:6px 0}
  .fl-answer-fold>summary:hover,.fl-top-question__answer:hover{text-decoration:underline;text-underline-offset:3px}
  .fl-account-choices>summary:hover,.fl-coverage-group>summary:hover{color:var(--accent)}
  .fl-question-evidence{margin:12px 0;border:1px solid var(--rule);border-radius:12px;background:var(--field)}
  .fl-question-evidence>summary{cursor:pointer;padding:11px 13px;color:var(--accent);font-size:13px;font-weight:700}
  .fl-question-evidence[open]>summary{border-bottom:1px solid var(--rule)}
  .fl-question-evidence__rows{margin:0;padding:4px 16px 10px 34px}
  .fl-question-evidence__row{padding:9px 0}.fl-question-evidence__meta{color:var(--ink-soft);font-size:12px;font-weight:650}
  .fl-question-evidence__description{margin-top:3px;color:var(--ink);font-size:13px;line-height:1.5;overflow-wrap:anywhere}
  .fl-top-questions{margin:18px 0;padding:20px 22px;border:1px solid var(--rule);border-radius:18px;background:var(--card)}
  .fl-top-questions .hint{margin:4px 0 12px}
  .fl-top-questions__list{list-style:none;margin:0;padding:0;display:grid;gap:10px}
  .fl-top-question{padding:12px 14px;border:1px solid var(--rule);border-radius:13px;background:var(--field)}
  .fl-top-question p{margin:4px 0 6px;color:var(--ink);font-size:14.5px;line-height:1.45;overflow-wrap:anywhere}
  .fl-top-question__answer{font-weight:700;font-size:13.5px;color:var(--accent)}

  /* questions: actionable cards stay prominent; internal and resolved work stays quiet */
  .fl-investigating,.fl-resolved-group{max-width:42em;margin-top:18px}
  .fl-investigating .hint{padding:12px 13px;margin:0}
  .fl-resolved-row{padding:11px 0;border-top:1px solid var(--rule);font-size:12.5px;color:var(--ink-soft)}
  .fl-resolved-row:first-child{border-top:0}.fl-resolved-row .help{margin:4px 0 0;color:var(--muted)}
  /* informational cards: notes, visibly not to-dos -- no card frame, no button, a quiet rule */
  .fl-info-group{max-width:42em;margin-top:22px}
  .fl-info-card{margin:8px 0;padding:10px 14px;border-left:3px solid var(--rule);border-radius:0 10px 10px 0;
    background:var(--field);color:var(--ink-soft);font-size:14px;line-height:1.55}
  .fl-info-card__label{font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:700}
  .fl-info-card p{margin:5px 0 0}.fl-info-card p.fl-info-card__note{font-size:12.5px;color:var(--muted)}

  /* consolidated transaction statement */
  .fl-ledger>h1{margin:0 0 7px;font-size:clamp(28px,4vw,38px);letter-spacing:-.035em}
  .fl-ledger-filters{margin:20px 0;padding:15px;border:1px solid var(--rule);border-radius:14px;background:var(--field)}
  .fl-ledger-filters .seclabel{margin:0 0 7px}.fl-ledger-filters .hint{margin:0 0 14px}
  .fl-period-years{display:flex;flex-wrap:wrap;gap:7px;margin:0 0 12px}
  .fl-period-years span{display:inline-flex}.fl-period-years a,.fl-period-years .lab{display:inline-flex;padding:7px 11px;
    border:1px solid var(--rule);border-radius:999px;background:var(--card);font-size:12.5px;text-decoration:none}
  .fl-period-detail .hint{padding:12px 13px;margin:0!important;line-height:2}

  /* the page title is the template's h1; a screen's own first h1 repeats it ("All transactions" twice) */
  .finlaxmi-app-content>.panel:first-child>h1:first-child{display:none}
  /* the planner's livecards are a sidebar column; on a full-width screen they are a row of tiles */
  .finlaxmi-app-page .livecards{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr))}
  /* the own-words box: the planner has no textarea rule, so it rendered two columns of monospace */
  .finlaxmi-app-page .field textarea{width:100%;min-height:76px;border:0;background:transparent;resize:vertical;
    font:inherit;font-size:15px;line-height:1.5;color:var(--ink);padding:10px 0;outline:none}

  /* universal details: one purposeful step, with the form and reassurance balanced on wider screens */
  .fl-details-form{max-width:780px;padding:24px;display:grid;grid-template-columns:minmax(0,1fr) 220px;gap:28px}
  .fl-details-form__main{min-width:0}.fl-details-form__main>.eyebrow{margin-bottom:7px}
  .fl-details-form__main>.fl-section-title{margin:0 0 8px}
  .finlaxmi-app-page .fl-details-form__standalone-title{display:none}
  .fl-details-form__main>.lead{margin-bottom:8px}
  .fl-details-field{padding:0 0 17px;border-left:0}
  .fl-details-field .lrow{margin-bottom:8px}
  .fl-details-field .field:focus-within{box-shadow:0 0 0 3px color-mix(in srgb,var(--accent) 18%,transparent)}
  .finlaxmi-app-page .fl-details-form .field input:focus-visible{outline:none;outline-offset:0}
  .fl-details-field .field:has(.fl-details-input--invalid){border-color:#B8473C}
  .fl-details-field-error{min-height:1.45em;margin:7px 0 0!important;color:#B8473C!important}
  .fl-details-purpose{margin:0 0 18px;color:var(--ink-soft);font-size:13px;line-height:1.55}
  .fl-details-purpose a{color:var(--accent);font-weight:650}
  .fl-details-submit:disabled{cursor:not-allowed;opacity:.56}.fl-details-submit:disabled:hover{background:var(--accent)}
  .fl-details-trust{align-self:start;margin-top:4px;padding:16px;border:1px solid var(--rule);border-radius:14px;background:var(--field)}
  .fl-details-trust h3{margin:0 0 7px;font-size:14px;letter-spacing:-.01em}.fl-details-trust p{margin:0;color:var(--ink-soft);font-size:13px;line-height:1.55}
  .fl-sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
  /* All transactions: the long narration wraps instead of pushing "What it is" off the panel */
  .finlaxmi-app-page table.fl-txn-table th{white-space:nowrap}
  .finlaxmi-app-page table.fl-txn-table td:nth-child(3){min-width:14em;overflow-wrap:anywhere}
  .finlaxmi-app-page table.fl-txn-table td:nth-child(2){min-width:8.5em}
  .finlaxmi-app-page table.fl-txn-table td:nth-child(7){min-width:12em}

  /* every renderer's table sits in this one box: a wide table scrolls inside it and never widens the page */
  .fl-table-scroll{display:block;width:100%;max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 0 12px}
  .fl-table-scroll>table{margin:0}
  /* one pager on every list screen (cron/paging.php) */
  .fl-pager{margin:14px 0 10px}
  .fl-pager__count{margin:0 0 7px}
  .fl-pager__links{display:flex;flex-wrap:wrap;gap:8px;margin:0}
  .fl-pager__links a,.fl-pager__off{display:inline-flex;align-items:center;min-height:40px;padding:0 15px;border:1px solid var(--rule);
    border-radius:10px;font-size:13.5px;font-weight:650;text-decoration:none}
  .fl-pager__links a{color:var(--accent);background:var(--card)}
  .fl-pager__links a:hover{border-color:var(--accent)}
  .fl-pager__off{color:var(--muted);opacity:.6}
  /* a bank narration shown in words: the bank's own text is its title */
  .fl-narration{cursor:help}

  /* L57: the person a transaction was settled with, under its category */
  .fl-person-link{margin-top:4px;font-size:12.5px;font-weight:650;color:var(--good)}

  /* people: names and bank narrations are long unbroken strings (VPAs, UPI refs); small people fold to lines */
  .finlaxmi-app-page section.panel h2.v{overflow-wrap:anywhere}
  .fl-small-people{margin:18px 0;border:1px solid var(--rule);border-radius:14px;background:var(--field)}
  .fl-small-people>summary{cursor:pointer;padding:12px 14px;color:var(--ink-soft);font-size:14px;font-weight:700}
  .fl-small-people[open]>summary{border-bottom:1px solid var(--rule)}

  @media(max-width:680px){
    .fl-details-form{grid-template-columns:1fr;padding:20px;gap:16px}.fl-details-trust{margin-top:0}
    .finlaxmi-app-nav__locked{padding:0 8px;font-size:12px}
  }
  .fl-small-people>.hint{margin:10px 14px 4px}
  .fl-small-people__list{list-style:none;margin:0;padding:4px 14px 10px}
  .fl-small-person{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 12px;padding:10px 0;border-top:1px solid var(--rule)}
  .fl-small-person:first-child{border-top:0}
  .fl-small-person__name{flex:1 1 14em;min-width:0;color:var(--accent);font-weight:650;text-decoration:none;overflow-wrap:anywhere}
  .fl-small-person__money{color:var(--ink-soft);font-size:13px;font-variant-numeric:tabular-nums}
  .fl-small-person__status{color:var(--muted);font-size:12.5px}

  /* investments: one line per institution, then each institution with its quiet statements folded */
  .fl-invest-summary{margin:0 0 6px;padding-left:1.1em;line-height:1.65;color:var(--ink-soft)}
  .fl-invest-summary a{color:var(--accent);text-decoration:none}
  .fl-invest-inst{margin-top:22px;padding-top:4px;border-top:1px solid var(--rule)}
  .fl-invest-inst>h2{margin:14px 0 2px;font-size:22px;letter-spacing:-.015em}
  .fl-invest-inst>.hint{margin:0 0 10px}
  .fl-invest-fold{margin:10px 0;border:1px solid var(--rule);border-radius:12px;background:var(--field);max-width:52em}
  .fl-invest-fold>summary{cursor:pointer;padding:10px 13px;color:var(--ink-soft);font-size:13px;font-weight:700}
  .fl-invest-fold[open]>summary{border-bottom:1px solid var(--rule)}
  .fl-invest-list{margin:0;padding:10px 13px 12px 2.1em;font-size:13px;line-height:1.6;color:var(--ink-soft)}
  /* My money: opening, then layers > categories > merchants > transactions as nested folds, then closing. A phone shows
     each transaction on two lines (date, account, amount; then the description); wider screens on one. */
  .fl-money-ends{display:flex;flex-wrap:wrap;gap:4px 18px;margin:12px 0;color:var(--ink-soft);font-size:15px}
  .fl-money-ends strong,.fl-money-line strong{color:var(--ink);font-variant-numeric:tabular-nums}
  .fl-money-key,.fl-money-transit{margin:8px 0;color:var(--muted);font-size:13px}
  .fl-money-layer,.fl-money-accounts{margin:10px 0;border:1px solid var(--rule);border-radius:14px;background:var(--field)}
  .fl-money-cat,.fl-money-vendor{border:1px solid var(--rule);border-radius:12px;background:var(--card)}
  .fl-money-layer>.fl-money-cat,.fl-money-cat>.fl-money-vendor{margin:8px 10px}
  .fl-money-layer>summary,.fl-money-cat>summary,.fl-money-vendor>summary,.fl-money-accounts>summary{
    display:flex;flex-wrap:wrap;align-items:baseline;gap:2px 10px;cursor:pointer;list-style:none;padding:12px 14px 12px 34px;
    position:relative;color:var(--ink-soft);font-size:14px}
  .fl-money-layer>summary::-webkit-details-marker,.fl-money-cat>summary::-webkit-details-marker,
  .fl-money-vendor>summary::-webkit-details-marker,.fl-money-accounts>summary::-webkit-details-marker{display:none}
  .fl-money-layer>summary::before,.fl-money-cat>summary::before,.fl-money-vendor>summary::before,.fl-money-accounts>summary::before{
    content:"";position:absolute;left:15px;top:17px;width:6px;height:6px;border:solid var(--muted);border-width:0 2px 2px 0;
    transform:rotate(-45deg)}
  .fl-money-layer[open]>summary::before,.fl-money-cat[open]>summary::before,.fl-money-vendor[open]>summary::before,
  .fl-money-accounts[open]>summary::before{transform:rotate(45deg);top:15px}
  .fl-money-layer>summary{font-size:15px;font-weight:700;color:var(--ink)}
  .fl-money-layer[open]>summary,.fl-money-cat[open]>summary,.fl-money-vendor[open]>summary,.fl-money-accounts[open]>summary{
    border-bottom:1px solid var(--rule)}
  .fl-money-layer>summary>span,.fl-money-cat>summary>span,.fl-money-vendor>summary>span{flex:1 1 8em;min-width:0;overflow-wrap:anywhere}
  .fl-money-layer>summary>strong,.fl-money-cat>summary>strong,.fl-money-vendor>summary>strong{
    margin-left:auto;color:var(--ink);font-variant-numeric:tabular-nums;white-space:nowrap}
  .fl-money-flag,.fl-money-count{color:var(--muted);font-size:12px;font-weight:600}
  .fl-money-flag{flex-basis:100%;color:var(--amber)}
  .fl-money-guess{margin:0;padding:10px 14px 2px;color:var(--amber);font-size:12.5px}
  .fl-money-guess a{color:var(--accent);font-weight:650}
  .fl-money-line{display:flex;gap:10px;align-items:baseline;margin:0;padding:9px 14px;border-top:1px solid var(--rule);font-size:13.5px}
  .fl-money-line>span{flex:1 1 auto;min-width:0;overflow-wrap:anywhere}
  .fl-money-line>strong{margin-left:auto;white-space:nowrap}
  .fl-money-rows{list-style:none;margin:0;padding:0 14px}
  .fl-money-rows>li{display:grid;grid-template-columns:3.8em minmax(0,1fr) auto;gap:2px 10px;padding:9px 0;border-top:1px solid var(--rule);
    color:var(--ink-soft);font-size:13px}
  .fl-money-rows>li:first-child{border-top:0}
  .fl-money-when{grid-column:1;grid-row:1;color:var(--ink);white-space:nowrap}
  .fl-money-acct{grid-column:2;grid-row:1;min-width:0;overflow-wrap:anywhere}
  .fl-money-what{grid-column:2/-1;grid-row:2;color:var(--muted);font-size:12.5px;overflow-wrap:anywhere}
  .fl-money-amt{grid-column:3;grid-row:1;text-align:right;color:var(--ink);font-weight:700;font-variant-numeric:tabular-nums;white-space:nowrap}
  .fl-money-rows>li>a{grid-column:2/-1;grid-row:3;justify-self:start;min-height:32px;display:inline-flex;
    align-items:center;color:var(--accent);text-decoration:underline;text-underline-offset:3px}
  .fl-money-rows>li>a:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:3px}
  .fl-money-scroll{padding:6px 14px 12px;overflow-x:auto}
  .fl-money-scroll table{min-width:480px;border-collapse:collapse;font-size:13px}
  .fl-money-scroll th,.fl-money-scroll td{padding:7px 10px 7px 0;border-top:1px solid var(--rule);text-align:left;font-variant-numeric:tabular-nums}
  @media(min-width:601px){
    .fl-money-rows>li{grid-template-columns:4.6em minmax(8em,15em) minmax(0,1fr) auto}
    .fl-money-what{grid-column:3;grid-row:1;font-size:13px}
    .fl-money-amt{grid-column:4}
    .fl-money-rows>li>a{grid-row:2}
  }
  .finlaxmi-app-footer{max-width:1080px;margin:0 auto;padding:22px 20px 32px;display:flex;align-items:center;
    justify-content:center;gap:16px;color:var(--muted);font-size:12.5px}
  .finlaxmi-app-footer a{color:var(--muted);text-decoration:none}
  .finlaxmi-app-footer a:hover{color:var(--accent)}

  @media(min-width:821px){
    .finlaxmi-app-page .steps{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px;
      align-items:start;margin:3px 0 24px}
    .finlaxmi-app-page .steps .sep{display:none}
    .finlaxmi-app-page .steps .st{align-items:flex-start;gap:9px;line-height:1.35;font-size:12.5px}
  }
  @media(max-width:820px){
    .finlaxmi-app-page .steps{display:grid;grid-template-columns:1fr;gap:9px;margin:2px 0 22px}
    .finlaxmi-app-page .steps .sep{display:none}
  }
  @media(max-width:600px){
    .finlaxmi-app-header__inner{min-height:60px;padding:10px 14px;gap:9px;flex-wrap:wrap}
    .finlaxmi-app-brand{font-size:18px}.finlaxmi-app-brand__mark{width:28px;height:28px}
    .finlaxmi-app-nav__hint{display:block;margin-left:auto;color:var(--ink-soft);font-size:12px;font-weight:650;white-space:nowrap}
    .finlaxmi-app-nav{width:100%;justify-content:flex-start;flex-wrap:nowrap;overflow-x:auto;gap:2px;border-top:1px solid var(--rule);padding-top:7px;-webkit-overflow-scrolling:touch;scrollbar-width:none}
    .finlaxmi-app-nav>*{flex:none}
    .finlaxmi-app-nav a{padding:0 7px;font-size:12px;min-height:34px}
    .finlaxmi-app-nav a.finlaxmi-app-nav__logout{margin-left:0}
    .finlaxmi-app-main>.shell{padding:24px 14px 60px}
    .finlaxmi-page-intro{margin-bottom:17px}
    .finlaxmi-page-intro h1{font-size:30px}
    .finlaxmi-app-page .panel{border-radius:16px!important}
    .finlaxmi-app-page .panel[style]{padding:20px 17px 24px!important}
    .finlaxmi-app-page .steps .st{font-size:13.5px}
    /* two figures to a row on a phone: a shell of short numbers should not be a column 1,000 px tall */
    .fl-overview-grid,.fl-workspace-nav{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
    .fl-overview-stat{padding:11px 12px}.fl-overview-stat .a{font-size:14px}
    .fl-workspace-link{padding:12px 13px}.fl-workspace-link span{display:none}
    .fl-top-questions{padding:16px 15px}
    .fl-account-coverage__head{flex-direction:column;gap:9px}
    .fl-status-pill{white-space:normal}
    .finlaxmi-app-footer{padding:18px 14px 26px;flex-wrap:wrap}
    /* a person's rows (When · Account · Which way · How much · What the bank printed · What it was) as
       one small card each: date and account, direction and amount, then the narration and the answer */
    .finlaxmi-app-page table.card,.finlaxmi-app-page table.card tbody,.finlaxmi-app-page table.card tfoot{display:block;width:100%}
    .finlaxmi-app-page table.card thead{display:none}
    .finlaxmi-app-page table.card tr{display:grid;grid-template-columns:1fr auto;gap:2px 10px;padding:10px 12px;
      border-top:1px solid var(--rule)}
    .finlaxmi-app-page table.card tbody tr:first-child{border-top:0}
    .finlaxmi-app-page table.card td{padding:0;border:0;min-width:0}
    .finlaxmi-app-page table.card td:nth-child(2),.finlaxmi-app-page table.card td:nth-child(4){text-align:right}
    .finlaxmi-app-page table.card td:nth-child(4){font-weight:700;font-variant-numeric:tabular-nums}
    .finlaxmi-app-page table.card td:nth-child(5),.finlaxmi-app-page table.card td:nth-child(6),
    .finlaxmi-app-page table.card tfoot td{grid-column:1/-1;overflow-wrap:anywhere}
    .finlaxmi-app-page table.card td:nth-child(5){font-size:12.5px;color:var(--muted)}
    /* All transactions on a phone: one small card per row -- date and amount, account and direction,
       then the narration, the balance, what it is and whether it is checked (inline styles need !important) */
    .finlaxmi-app-page table.fl-txn-table{min-width:0!important;display:block}
    .finlaxmi-app-page table.fl-txn-table thead{display:none}
    .finlaxmi-app-page table.fl-txn-table tbody{display:block}
    .finlaxmi-app-page table.fl-txn-table tr{display:grid;grid-template-columns:1fr auto;gap:3px 10px;padding:11px 13px}
    .finlaxmi-app-page table.fl-txn-table td{padding:0!important;border:0!important;min-width:0!important;text-align:left!important;
      white-space:normal!important}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(1){grid-area:1/1;font-weight:650}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(5){grid-area:1/2;text-align:right!important;font-weight:750}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(2){grid-area:2/1;color:var(--muted);font-size:12.5px}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(4){grid-area:2/2;text-align:right!important;color:var(--muted);font-size:12.5px}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(3),.finlaxmi-app-page table.fl-txn-table td:nth-child(6),
    .finlaxmi-app-page table.fl-txn-table td:nth-child(7),.finlaxmi-app-page table.fl-txn-table td:nth-child(8){grid-column:1/-1}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(3){font-size:12.5px;color:var(--ink-soft);overflow-wrap:anywhere}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(6){font-size:12px;color:var(--muted)}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(6)::before{content:"Balance after "}
    .finlaxmi-app-page table.fl-txn-table td:nth-child(8){font-size:12px}
  }
  /* Legal and help documents rendered in the app shell (privacy, terms, data deletion). */
  .finlaxmi-app-page .fl-doc{max-width:760px;line-height:1.7;overflow-wrap:anywhere;color:var(--ink)}
  .finlaxmi-app-page .fl-doc h2{font-family:var(--serif);font-weight:600;margin:32px 0 10px}
  .finlaxmi-app-page .fl-doc a{color:var(--accent)}
  .finlaxmi-app-page .fl-doc-callout{padding:22px 24px;margin:24px 0;border:1px solid var(--rule);border-radius:14px;background:var(--chip)}
  .finlaxmi-app-page .fl-doc-callout>:first-child{margin-top:0}.finlaxmi-app-page .fl-doc-callout>:last-child{margin-bottom:0}
  .finlaxmi-app-page .fl-doc a.fl-doc-btn{display:inline-flex;align-items:center;min-height:44px;margin:4px 8px 4px 0;padding:0 20px;border-radius:12px;background:var(--accent);color:var(--on-accent);font-weight:600;text-decoration:none}
  .finlaxmi-app-page .fl-doc a.fl-doc-btn--quiet{background:var(--card);color:var(--accent);border:1px solid var(--rule)}

  /* Broker contributions: same evidence on phones, without clipping narrations or figures. */
  .fl-investments{padding:20px;font-family:system-ui,-apple-system,"Segoe UI",sans-serif;overflow-wrap:anywhere}
  .fl-investments>h2{margin-top:0}
  .fl-investments form{display:flex;align-items:end;flex-wrap:wrap;gap:12px;margin:20px 0}
  .fl-investments form label{display:grid;gap:6px;font-size:14px;min-width:0}
  .fl-investments input[type=date]{min-height:44px;max-width:100%;padding:8px;border:1px solid var(--rule);border-radius:8px;font:inherit}
  .fl-investments .card{padding:18px;margin:16px 0}
  .fl-investments .card h3{margin-top:0}
  .fl-investments .fl-cost-figures{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:10px 16px;margin:0}
  .fl-investments .fl-cost-figures dd{margin:0;text-align:right;font-weight:650;font-variant-numeric:tabular-nums}
  .fl-investments .fl-money-rows{padding:0;list-style:none}
  .fl-investments .fl-money-rows li{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:5px 12px;padding:14px 0;border-top:1px solid var(--rule)}
  .fl-investments .fl-money-when{grid-column:1;font-size:14px}
  .fl-investments .fl-money-acct,.fl-investments .fl-money-what{grid-column:1/-1;white-space:normal;overflow-wrap:anywhere;font-size:14px}
  .fl-investments .fl-money-amt{grid-column:2;grid-row:1;font-variant-numeric:tabular-nums}
  .fl-investments .fl-money-partial{padding:12px;border-radius:10px;background:var(--warn-soft);color:var(--amber)}
  @media(max-width:600px){.fl-investments{padding:14px}.fl-investments .card{padding:14px}}