:root{
  --navy:#102a43;--navy2:#245f94;--bg:#f5f7fa;--ink:#152536;--muted:#6b7785;
  --line:#e1e7ee;--green:#18875c;--green-soft:#e8f7f0;--red:#c84d4d;--red-soft:#fff0f0;
  --blue-soft:#eaf3fb;--shadow:0 12px 32px rgba(16,42,67,.08)
}
*{box-sizing:border-box}
html{background:var(--bg)}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg)}
button,input,select,textarea{font:inherit}
button{cursor:pointer}
[hidden]{display:none!important}
.app-shell{min-height:100dvh;max-width:900px;margin:0 auto;padding-bottom:92px}
.topbar{display:flex;align-items:center;justify-content:space-between;padding:22px 20px 8px;position:sticky;top:0;z-index:20;background:rgba(245,247,250,.94);backdrop-filter:blur(14px)}
.eyebrow{margin:0 0 5px;font-size:10px;letter-spacing:.15em;font-weight:850;color:#738091}
h1,h2,h3,p{margin-top:0}
h1{font-size:21px;margin-bottom:0}
h2{font-size:29px;margin-bottom:0;letter-spacing:-.025em}
h3{font-size:16px;margin-bottom:0}
.icon-btn,.close-btn{border:0;background:white;box-shadow:var(--shadow);color:var(--navy);display:grid;place-items:center}
.icon-btn{width:44px;height:44px;border-radius:14px;font-size:16px;font-weight:900}
.close-btn{width:40px;height:40px;border-radius:50%;font-size:27px;line-height:1}
main{padding:4px 16px 28px}
.view{display:none;animation:fade .16s ease}
.view.active{display:block}
@keyframes fade{from{opacity:.5;transform:translateY(4px)}to{opacity:1;transform:none}}
.section-head{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;margin:14px 3px 18px}
.compact-head{margin-bottom:14px}
.text-btn{border:0;background:transparent;color:var(--navy2);font-weight:800;padding:8px}
.hero-profit{background:linear-gradient(145deg,var(--navy),var(--navy2));color:white;border-radius:26px;padding:24px 22px;box-shadow:0 18px 40px rgba(15,39,66,.16)}
.hero-profit span{font-size:13px;color:#dce7f3;font-weight:700}
.hero-profit strong{display:block;font-size:44px;line-height:1.05;letter-spacing:-.055em;margin-top:7px}
.hero-profit small{display:block;color:#dce7f3;margin-top:9px;font-size:12px}
.hero-progress{height:8px;background:rgba(255,255,255,.18);border-radius:999px;overflow:hidden;margin-top:14px}
.hero-progress>div{height:100%;background:white;width:0;border-radius:inherit;transition:.2s}
.money-summary{display:grid;grid-template-columns:1fr 1fr;gap:11px;margin:12px 0}
.money-summary article{background:white;border:1px solid var(--line);border-radius:18px;padding:15px 16px}
.money-summary span{display:block;font-size:11px;color:var(--muted);font-weight:750}
.money-summary strong{display:block;font-size:23px;margin-top:4px}
.quick-actions{display:grid;grid-template-columns:1fr 1fr;gap:11px;margin:12px 0 15px}
.action{border:0;border-radius:20px;min-height:96px;padding:15px;text-align:left}
.action span{font-size:25px;display:block}
.action b,.action small{display:block}
.action b{font-size:15px;margin-top:5px}
.action small{font-size:10px;margin-top:4px;opacity:.75}
.action.income{background:var(--green-soft);color:#126845}
.action.expense{background:var(--red-soft);color:#a43636}
.card{background:white;border:1px solid var(--line);border-radius:22px;padding:18px;box-shadow:var(--shadow);margin-bottom:14px}
.card-title-row{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:13px}
.card-title-row>span{font-size:11px;color:var(--muted)}
.quick-insight{font-size:15px;line-height:1.5;color:#495665}
.quick-insight strong{color:var(--ink)}
.spend-breakdown{display:grid;gap:13px}
.spend-label{display:flex;justify-content:space-between;gap:15px;font-size:12px}
.spend-label span{color:#4e5d6d;font-weight:750}
.spend-label strong{font-variant-numeric:tabular-nums}
.spend-bar{height:8px;background:#edf1f5;border-radius:999px;overflow:hidden;margin-top:5px}
.spend-bar i{height:100%;display:block;background:linear-gradient(90deg,#87a9c9,#2f6ea5);border-radius:inherit}
.segmented{display:grid;grid-template-columns:1fr 1fr;background:#e8edf3;padding:4px;border-radius:16px;margin-bottom:15px}
.seg{border:0;background:transparent;border-radius:12px;padding:13px;font-weight:850;color:var(--muted)}
.seg.active{background:white;color:var(--navy);box-shadow:0 5px 15px rgba(15,39,66,.08)}
.simple-entry{display:grid;gap:18px}
.field{display:grid;gap:8px}
.field>span,.field-heading>span{font-size:12px;font-weight:850;color:#556170}
.field-heading{display:flex;justify-content:space-between;align-items:center;gap:10px}
.field-heading small{color:#8793a0;font-size:10px}
.category-grid.visual{display:grid;grid-template-columns:repeat(3,1fr);gap:9px}
.category-tile{min-height:88px;border:1px solid #dce3eb;background:white;border-radius:18px;padding:10px 6px;display:grid;justify-items:center;align-content:center;gap:5px;color:#4e5d6e;position:relative}
.category-tile span{font-size:24px}
.category-tile b{font-size:11px;line-height:1.15;text-align:center}
.category-tile small{font-size:8px;color:#7890a5;font-weight:750}
.category-tile.active{border-color:#315f8c;background:#edf4fb;color:var(--navy);box-shadow:0 0 0 2px rgba(49,95,140,.08)}
.more-categories-btn{border:0;background:transparent;color:var(--navy2);font-weight:800;padding:3px 0;text-align:left}
.more-grid{margin-top:-8px}
.money-input{display:flex;align-items:center;border:1px solid #d7dfe8;border-radius:20px;padding:0 17px;background:white}
.money-input:focus-within{border-color:#7193b8;box-shadow:0 0 0 3px rgba(61,115,169,.10)}
.money-input b{font-size:32px;color:var(--navy)}
.money-input input{border:0;box-shadow:none!important;font-size:45px;font-weight:850;padding:14px 9px;letter-spacing:-.04em}
.simple-amount{margin-top:2px}
.extras{color:var(--muted);font-size:12px}
.extras summary{cursor:pointer;font-weight:800;padding:2px 0}
.optional-grid{display:grid;gap:10px;margin-top:12px}
input,select,textarea{width:100%;border:1px solid #d9e0e8;background:white;color:var(--ink);border-radius:14px;padding:13px 14px;outline:none}
input:focus,select:focus,textarea:focus{border-color:#7193b8;box-shadow:0 0 0 3px rgba(61,115,169,.10)}
.primary-btn,.secondary-btn,.danger-btn,.file-label{min-height:52px;border-radius:16px;border:0;padding:13px 16px;font-weight:850;text-align:center;display:flex;align-items:center;justify-content:center}
.primary-btn{background:var(--navy);color:white}
.save-money{min-height:58px;font-size:17px}
.secondary-btn,.file-label{background:var(--blue-soft);color:var(--navy)}
.danger-btn{background:var(--red-soft);color:#a43636}
.form-message{min-height:17px;margin:0;font-size:12px;color:var(--green);font-weight:800}
.transaction-list{display:grid;gap:7px}
.empty-state{color:var(--muted);font-size:13px;padding:7px 0}
.tx-row{display:grid;grid-template-columns:42px 1fr auto;gap:11px;align-items:center;padding:10px 0;border-bottom:1px solid #edf0f4}
.tx-row:last-child{border-bottom:0}
.tx-icon{width:38px;height:38px;border-radius:12px;display:grid;place-items:center;font-weight:900}
.tx-icon.income{background:var(--green-soft);color:var(--green)}
.tx-icon.expense{background:var(--red-soft);color:var(--red)}
.tx-main strong,.tx-main small{display:block}
.tx-main strong{font-size:13px}
.tx-main small{color:var(--muted);font-size:10px;margin-top:3px}
.tx-amount{font-weight:850;font-variant-numeric:tabular-nums}
.tx-amount.income{color:var(--green)}
.tx-amount.expense{color:var(--red)}
.delete-btn{border:0;background:transparent;color:#9aa4af;font-size:11px;padding:4px}
.tool-list{display:grid;gap:11px}
.tool-card{width:100%;border:1px solid var(--line);background:white;border-radius:20px;padding:16px;box-shadow:var(--shadow);display:grid;grid-template-columns:46px 1fr auto;align-items:center;gap:13px;text-align:left}
.tool-icon{width:44px;height:44px;border-radius:14px;background:var(--blue-soft);display:grid;place-items:center;color:var(--navy);font-weight:900}
.tool-card strong,.tool-card small{display:block}
.tool-card strong{font-size:14px}
.tool-card small{font-size:11px;color:var(--muted);margin-top:4px}
.tool-card>b{font-size:25px;color:#9aa4af}
.form-card{display:grid;gap:14px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.pricing-extras{border-top:1px solid var(--line);padding-top:11px}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.result-card{background:white;border:1px solid var(--line);border-radius:20px;padding:18px;box-shadow:var(--shadow)}
.result-card span,.result-card small{display:block;font-size:11px;color:var(--muted);font-weight:750}
.result-card strong{display:block;font-size:26px;margin-top:7px}
.result-card.wide{grid-column:1/-1}
.microcopy,.data-card p{color:var(--muted);font-size:11px;margin:12px 3px}
.month-picker{margin-bottom:13px}
.review-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-bottom:13px}
.review-chip{background:white;border:1px solid var(--line);border-radius:16px;padding:13px}
.review-chip span{display:block;color:var(--muted);font-size:10px}
.review-chip strong{font-size:17px}
.review-form{display:grid;gap:12px}
.review-form label{display:grid;gap:7px;font-size:12px;font-weight:800;color:#556170}
.stack-actions{display:grid;gap:9px}
.toast{position:fixed;z-index:60;left:50%;bottom:88px;transform:translateX(-50%);width:min(calc(100% - 32px),520px);background:#152536;color:white;border-radius:16px;padding:13px 15px;box-shadow:0 18px 45px rgba(16,42,67,.25);display:flex;align-items:center;justify-content:space-between;gap:16px}
.toast span{font-weight:800;font-size:13px}
.toast button{border:0;background:transparent;color:#b8dcff;font-weight:900;padding:5px 8px}
.bottom-nav{position:fixed;z-index:30;bottom:0;left:50%;transform:translateX(-50%);width:min(100%,900px);display:grid;grid-template-columns:repeat(4,1fr);background:rgba(255,255,255,.97);border-top:1px solid var(--line);padding:7px 8px calc(7px + env(safe-area-inset-bottom));backdrop-filter:blur(16px)}
.nav-item{border:0;background:transparent;color:#7a8795;display:grid;justify-items:center;gap:2px;padding:6px 4px}
.nav-item span{font-size:19px}
.nav-item small{font-size:10px;font-weight:800}
.nav-item.active{color:var(--navy)}
.nav-add span{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:white;margin-top:-12px;box-shadow:0 8px 20px rgba(15,39,66,.22)}
@media(min-width:700px){
  main{padding:10px 28px 38px}
  .topbar{padding-left:32px;padding-right:32px}
  .category-grid.visual{grid-template-columns:repeat(4,1fr)}
  .simple-entry,.form-card,.review-form{max-width:700px}
  .optional-grid{grid-template-columns:1fr 1fr}
  .money-summary,.quick-actions,.hero-profit{max-width:600px}
  .tool-list{max-width:700px}
}


/* v0.5 first-run simplification */
.onboarding{position:fixed;z-index:100;inset:0;background:rgba(10,28,45,.72);backdrop-filter:blur(10px);display:grid;place-items:end center;padding:18px}
.onboarding-card{width:min(100%,560px);background:#fff;border-radius:28px;padding:24px 20px calc(24px + env(safe-area-inset-bottom));box-shadow:0 28px 90px rgba(0,0,0,.24)}
.onboarding-mark{width:48px;height:48px;border-radius:16px;background:linear-gradient(145deg,var(--navy),var(--navy2));color:#fff;display:grid;place-items:center;font-size:25px;font-weight:900;margin-bottom:16px}
.onboarding-card h2{font-size:30px;line-height:1.05;margin-bottom:10px;max-width:470px}
.onboarding-copy{color:var(--muted);font-size:14px;line-height:1.5;margin-bottom:22px}
.onboarding-step{margin:18px 0}
.onboarding-step>span{display:block;font-size:12px;font-weight:850;color:#556170;margin-bottom:9px}
.onboarding-step>span small{font-weight:600;color:#8b96a2}
.choice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px}
.choice-grid button{min-height:72px;border:1px solid var(--line);border-radius:18px;background:#fff;color:var(--navy);font-size:27px;font-weight:900;display:grid;place-items:center}
.choice-grid button small{display:block;font-size:9px;color:var(--muted);margin-top:-13px}
.choice-grid button.active,.goal-presets button.active{background:var(--blue-soft);border-color:#7299bf;box-shadow:0 0 0 2px rgba(49,95,140,.08)}
.goal-presets{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.goal-presets button{min-height:48px;border:1px solid var(--line);background:#fff;border-radius:14px;font-weight:850;color:#536273}
.onboarding-start{width:100%;margin-top:22px}
.onboarding-note{font-size:10px;color:#8a95a1;text-align:center;margin:11px 0 0}
.first-use-card{display:grid;grid-template-columns:40px 1fr;align-items:center;gap:12px;background:#fff;border:1px solid #d9e5f0;border-radius:18px;padding:13px 14px;margin:12px 0;box-shadow:var(--shadow)}
.first-use-icon{width:38px;height:38px;border-radius:13px;background:var(--blue-soft);color:var(--navy);display:grid;place-items:center;font-weight:900}
.first-use-card strong,.first-use-card small{display:block}
.first-use-card strong{font-size:13px}
.first-use-card small{font-size:10px;color:var(--muted);margin-top:3px;line-height:1.35}
@media(min-width:700px){.onboarding{place-items:center}.onboarding-card{padding:30px}}


/* v0.6 visual polish — consumer-app pass */
:root{
  --bg:#f6f8fb;
  --surface:#ffffff;
  --navy:#16324f;
  --navy2:#2e6d9f;
  --ink:#172636;
  --muted:#74808d;
  --line:#e7ebef;
  --green:#1f8a62;
  --green-soft:#eef9f4;
  --red:#b95a58;
  --red-soft:#fff3f2;
  --blue-soft:#eef5fb;
  --shadow:0 12px 34px rgba(20,49,77,.065);
  --shadow-soft:0 6px 18px rgba(20,49,77,.05);
}
body{letter-spacing:-.005em}
.app-shell{max-width:760px}
.topbar{padding-top:18px}
.topbar h1{font-size:20px;letter-spacing:-.025em}
.icon-btn{box-shadow:var(--shadow-soft)}
.hero-profit{
  background:linear-gradient(145deg,#173653 0%,#245b86 72%,#2f76aa 100%);
  border-radius:28px;
  padding:25px 22px 22px;
  box-shadow:0 18px 42px rgba(22,50,79,.14)
}
.hero-profit strong{font-size:46px}
.money-summary article,.card,.tool-card,.result-card{box-shadow:var(--shadow-soft)}
.money-summary article{border-radius:20px}
.action{transition:transform .08s ease,box-shadow .12s ease,border-color .12s ease}
.action:active,.category-tile:active,.primary-btn:active,.tool-card:active{transform:scale(.985)}
.action.income,.action.expense{border:1px solid transparent}
.action.income{background:#edf9f4;border-color:#dcf0e7}
.action.expense{background:#fff5f4;border-color:#f5e2df}
.action b{font-size:14px}
.quick-insight{font-size:14px}
.category-tile{
  border-color:#e4e9ee;
  box-shadow:0 3px 10px rgba(20,49,77,.025);
  transition:transform .08s ease,box-shadow .12s ease,border-color .12s ease,background .12s ease
}
.category-tile:hover{box-shadow:0 7px 18px rgba(20,49,77,.06)}
.category-tile.active{background:#f0f6fc;border-color:#94b3cf;box-shadow:0 0 0 2px rgba(49,95,140,.055)}
.money-input{background:#fff;border:1px solid #dde4ea}
.money-input input{font-size:48px}
.extras summary{color:#6d7986}
.primary-btn{background:linear-gradient(145deg,#173653,#285f8e);box-shadow:0 9px 20px rgba(22,50,79,.13)}
.save-money{border-radius:18px}
.tx-row{padding:11px 0}
.tx-icon{border-radius:14px}
.tool-card{border-color:#e6ebf0}
.tool-icon{background:#f0f6fb}
.bottom-nav{box-shadow:0 -8px 30px rgba(20,49,77,.035)}
.nav-item svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.nav-item svg circle{fill:currentColor;stroke:none}
.nav-add .add-circle{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(145deg,#173653,#2d6b9d);color:white;margin-top:-13px;box-shadow:0 8px 20px rgba(15,39,66,.19);font-size:22px;line-height:1}
.nav-item small{font-size:9.5px}
.toast{animation:toastIn .18s ease both}
.toast-message{display:flex;align-items:center;gap:9px}
.toast-message i{font-style:normal;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;background:#2d8b69;font-size:12px}
@keyframes toastIn{from{opacity:0;transform:translate(-50%,8px)}to{opacity:1;transform:translate(-50%,0)}}
.onboarding{background:rgba(13,32,50,.68)}
.onboarding-card{border:1px solid rgba(255,255,255,.55);box-shadow:0 28px 90px rgba(5,20,34,.22)}
.onboarding-mark{background:linear-gradient(145deg,#173653,#2e6d9f)}
.onboarding-card h2{letter-spacing:-.04em}
.choice-grid button,.goal-presets button{transition:transform .08s ease,background .12s ease,border-color .12s ease}
.choice-grid button:active,.goal-presets button:active{transform:scale(.975)}
.first-use-card{background:linear-gradient(180deg,#fff,#fbfdff)}
:focus-visible{outline:3px solid rgba(72,129,181,.28);outline-offset:2px}
@media (max-width:390px){
  .hero-profit strong{font-size:41px}
  .category-grid.visual{grid-template-columns:repeat(3,1fr)}
  .onboarding-card h2{font-size:27px}
  .goal-presets{grid-template-columns:repeat(2,1fr)}
}


/* v0.7 optional cloud backup */
.cloud-card{margin-top:14px}
.cloud-head{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:14px}
.cloud-head h3{display:flex;align-items:center;gap:8px}
.cloud-head p{margin:7px 0 0;color:var(--muted);font-size:11px;line-height:1.45}
.cloud-symbol{font-size:25px;opacity:.45}
.status-badge{font-size:9px;padding:4px 8px;border-radius:999px;background:#f1f3f5;color:#687583}
.status-badge.on{background:var(--green-soft);color:var(--green)}
.status-badge.local{background:var(--blue-soft);color:var(--navy2)}
.cloud-auth{display:grid;gap:10px}
.cloud-unavailable{padding:11px 12px;border-radius:14px;background:#f6f8fa;color:#6f7b87;font-size:11px;line-height:1.45}
.signed-in-row{display:flex;justify-content:space-between;align-items:end;gap:14px;padding:11px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.signed-in-row span,.signed-in-row strong{display:block}
.signed-in-row>div span{font-size:9px;color:var(--muted);font-weight:800;text-transform:uppercase;letter-spacing:.06em}
.signed-in-row strong{font-size:12px;margin-top:3px;max-width:230px;overflow:hidden;text-overflow:ellipsis}
.signed-in-row>span{font-size:10px;color:var(--muted);white-space:nowrap}
.subtle-danger{background:#fff7f7;border:1px solid #f2dddd}
#cloudMessage[data-kind="error"]{color:var(--red)}
#cloudMessage[data-kind="ok"]{color:var(--green)}
.settings-links{text-align:center;font-size:10px;color:var(--muted);margin:18px 0 4px}
.settings-links a{color:inherit;text-decoration:underline;text-underline-offset:2px}

.legal-page{max-width:720px;margin:0 auto;padding:36px 22px 60px;line-height:1.65}
.legal-page>a{color:var(--navy2);font-weight:800;text-decoration:none}
.legal-page h1{font-size:34px;margin:28px 0 18px}
.legal-page h2{font-size:18px;margin:26px 0 7px}
.legal-page p{font-size:14px;color:#52606d}