@font-face{font-family:Lato;src:url(fonts/Lato-Regular.woff) format("woff");font-weight:400;font-display:swap}
@font-face{font-family:Lato;src:url(fonts/Lato-Bold.woff) format("woff");font-weight:700;font-display:swap}
@font-face{font-family:Lato;src:url(fonts/Lato-Black.woff) format("woff");font-weight:900;font-display:swap}
:root{
  --royal:#1E3A9E;--royal-2:#2E4DB3;--royal-50:#EEF1FB;--royal-100:#DCE3F7;
  --sand:#FBF5E9;--sand-2:#F3E7CF;--cream:#FFF8E8;--ink:#1B2333;--muted:#667085;--line:#E6E8EF;
  --ok:#1E7B34;--warn:#B45309;--bad:#C0392B;--card:#fff;
  --r:18px;--r-sm:12px;--shadow:0 1px 2px rgba(16,24,40,.04),0 6px 24px rgba(30,58,158,.07);
  --tap:48px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Lato,Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--sand);font-size:16px;line-height:1.5}
a{color:var(--royal)}
img{max-width:100%}
button,input,select,textarea{font:inherit;color:inherit}
.wrap{max-width:980px;margin:0 auto;padding:0 18px}
/* Top bar */
.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.topbar .wrap{display:flex;align-items:center;gap:12px;height:62px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--royal);font-weight:900;letter-spacing:.2px}
.brand img{width:34px;height:34px;object-fit:contain}
.brand span{font-size:17px;line-height:1.1}
.brand small{display:block;font-weight:700;color:var(--muted);font-size:11px;letter-spacing:.2px}
.spacer{flex:1}
.cur-pill{display:flex;align-items:center;gap:6px;background:var(--royal-50);border-radius:999px;padding:0 6px 0 12px;height:40px;color:var(--royal);font-weight:700;font-size:14px}
.cur-pill select{border:0;background:transparent;font-weight:900;color:var(--royal);height:38px;padding:0 4px;cursor:pointer}
/* Pattern accent (tapa-inspired) */
.pattern{height:14px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='28' height='14' viewBox='0 0 28 14'%3E%3Cpath d='M0 14 L7 0 L14 14 Z' fill='%231E3A9E' fill-opacity='.85'/%3E%3Cpath d='M14 0 L21 14 L28 0 Z' fill='%231E3A9E' fill-opacity='.35'/%3E%3C/svg%3E");background-size:28px 14px;opacity:.9}
.hero{position:relative;background:linear-gradient(160deg,var(--royal) 0%,#24449F 55%,#2E57B8 100%);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;inset:auto -40px -60px auto;width:260px;height:260px;border-radius:50%;
  background:repeating-radial-gradient(circle at center,rgba(255,255,255,.10) 0 2px,transparent 2px 14px);pointer-events:none}
.hero .wrap{padding-top:34px;padding-bottom:34px;position:relative;z-index:1}
.hero-brand{margin:0 0 12px;line-height:1.15}.hero-brand b{display:block;font-size:20px;font-weight:900;letter-spacing:.3px}.hero-brand small{display:block;font-size:13px;font-weight:700;opacity:.85;letter-spacing:.3px}
.hero h1{font-size:clamp(28px,7vw,44px);line-height:1.1;margin:0 0 10px;font-weight:900;letter-spacing:-.3px}
.hero p{margin:0 0 18px;opacity:.92;font-size:18px;max-width:560px}
.hero .badges{display:flex;flex-wrap:wrap;gap:8px}
.badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);padding:6px 12px;border-radius:999px;font-size:14px;font-weight:700}
.page-head{padding:22px 0 6px}
.page-head h1{margin:0;font-size:clamp(24px,6vw,32px);font-weight:900;color:var(--royal);letter-spacing:-.2px}
.page-head p{margin:6px 0 0;color:var(--muted)}
.back{display:inline-flex;align-items:center;gap:6px;color:var(--royal);text-decoration:none;font-weight:700;font-size:15px;height:40px}
/* Cards */
.grid{display:grid;gap:14px}
@media(min-width:640px){.grid.cols-2{grid-template-columns:1fr 1fr}.grid.cols-3{grid-template-columns:repeat(3,1fr)}.grid.cols-4{grid-template-columns:repeat(4,1fr)}}
.card{background:var(--card);border-radius:var(--r);box-shadow:var(--shadow);padding:18px;border:1px solid rgba(30,58,158,.05)}
.card h2,.card h3{margin:0 0 10px;color:var(--royal);font-weight:900}
.card h2{font-size:19px}.card h3{font-size:16px}
.tool-card{display:flex;gap:14px;align-items:flex-start;text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s;min-height:96px}
.tool-card:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(30,58,158,.12)}
.tool-icon{flex:0 0 48px;height:48px;border-radius:14px;background:var(--royal-50);display:grid;place-items:center;font-size:24px}
.tool-card b{display:block;font-size:17px;color:var(--royal);margin-bottom:2px}
.tool-card span{color:var(--muted);font-size:14.5px}
.stat{padding:16px}
.stat .lbl{font-size:12px;font-weight:900;letter-spacing:.7px;text-transform:uppercase;color:var(--muted)}
.stat .val{font-size:clamp(24px,6.5vw,32px);font-weight:900;color:var(--royal);line-height:1.15;margin-top:4px;word-break:break-word}
.stat .sub{font-size:13.5px;color:var(--muted);margin-top:2px}
.stat.neg .val{color:var(--bad)}
.stat.hero-stat{background:var(--royal);color:#fff}.stat.hero-stat .lbl,.stat.hero-stat .sub{color:rgba(255,255,255,.8)}.stat.hero-stat .val{color:#fff}
.stat.hero-stat.neg{background:var(--bad)}
/* Toolbar */
.toolbar{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:var(--tap);padding:0 18px;border-radius:14px;border:1px solid var(--line);background:#fff;color:var(--ink);font-weight:700;cursor:pointer;text-decoration:none;font-size:15px}
.btn:hover{border-color:var(--royal-100);background:var(--royal-50)}
.btn.primary{background:var(--royal);border-color:var(--royal);color:#fff}
.btn.primary:hover{background:var(--royal-2)}
.btn.ghost{background:transparent}
.btn.danger{color:var(--bad)}
.btn.small{min-height:40px;padding:0 14px;font-size:14px;border-radius:12px}
.btn.icon{width:44px;min-height:44px;padding:0;border-radius:12px;font-size:20px;color:var(--muted)}
.btn.icon:hover{color:var(--bad)}
/* Example banner */
.example-banner{display:flex;align-items:center;gap:12px;flex-wrap:wrap;background:var(--cream);border:1px solid var(--sand-2);border-radius:var(--r-sm);padding:12px 14px;margin:12px 0;font-weight:700;color:#7A5A12}
.example-banner .tag{background:#E0A33B;color:#fff;border-radius:999px;padding:3px 10px;font-size:12px;letter-spacing:.8px;text-transform:uppercase}
/* Forms */
label.f{display:block;font-size:13px;font-weight:700;color:var(--muted);margin-bottom:12px}
label.f>input,label.f>select,label.f>textarea{display:block;width:100%;margin-top:5px}
.inp,label.f>input,label.f>select,label.f>textarea,.row input,.row select{min-height:var(--tap);border:1px solid var(--line);border-radius:12px;padding:0 12px;background:var(--cream);font-size:16px;width:100%;outline:none;transition:border-color .15s,box-shadow .15s}
.inp:focus,label.f>input:focus,label.f>select:focus,.row input:focus,.row select:focus{border-color:var(--royal);box-shadow:0 0 0 3px rgba(30,58,158,.15);background:#fff}
.num{text-align:right;font-variant-numeric:tabular-nums}
.money{font-variant-numeric:tabular-nums;white-space:nowrap}
.muted{color:var(--muted)}.small{font-size:13.5px}.ok{color:var(--ok)}.bad{color:var(--bad)}.warn{color:var(--warn)}
/* Line rows (mobile-first stacked) */
.group{margin:14px 0}
.group-head{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:10px 4px}
.group-head h3{margin:0;font-size:15px;letter-spacing:.8px;text-transform:uppercase;color:var(--royal);font-weight:900}
.group-head .money{font-weight:900;color:var(--royal)}
.rows{background:#fff;border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden}
.row{display:grid;grid-template-columns:1fr 1fr 44px;gap:8px 10px;padding:12px 14px;border-bottom:1px solid var(--line);align-items:center}
.row:last-child{border-bottom:0}
.row .name{grid-column:1/3}
.row .name input{background:transparent;border-color:transparent;font-weight:700;padding-left:4px}
.row .name input:focus{background:#fff}
.row .cell label{display:block;font-size:11.5px;font-weight:900;letter-spacing:.6px;text-transform:uppercase;color:var(--muted);margin:0 0 3px 2px}
.row .del{grid-column:3;grid-row:1}
.row .meta{grid-column:1/-1;font-size:13px;color:var(--muted);display:flex;justify-content:space-between;gap:8px;flex-wrap:wrap}
.row.r4{grid-template-columns:1fr 1fr 44px}
.add-row{display:flex;gap:8px;padding:10px 14px;background:#FCFCFE}
.add-row .btn{flex:1}
@media(min-width:760px){
  .row{grid-template-columns:minmax(180px,2fr) 1fr 1fr 44px}
  .row .name{grid-column:auto}
  .row .del{grid-column:auto;grid-row:auto}
  .row.wide{grid-template-columns:minmax(180px,2fr) 1fr 1fr 1fr 44px}
  .row .cell label{display:none}
  .row-head{display:grid;grid-template-columns:minmax(180px,2fr) 1fr 1fr 44px;gap:10px;padding:8px 14px;font-size:11.5px;font-weight:900;letter-spacing:.6px;text-transform:uppercase;color:var(--muted)}
  .row-head.wide{grid-template-columns:minmax(180px,2fr) 1fr 1fr 1fr 44px}
}
@media(max-width:759px){.row-head{display:none}}
/* Tables (summaries) */
table.t{width:100%;border-collapse:collapse;font-size:15px}
table.t th{font-size:11.5px;letter-spacing:.6px;text-transform:uppercase;color:var(--muted);text-align:left;padding:8px 10px;border-bottom:1px solid var(--line)}
table.t td{padding:10px;border-bottom:1px solid var(--line)}
table.t tr:last-child td{border-bottom:0}
table.t .r{text-align:right}
table.t tfoot td{font-weight:900;color:var(--royal);border-top:2px solid var(--royal-100)}
.scroll-x{overflow-x:auto;-webkit-overflow-scrolling:touch}
/* Month bar */
.monthbar{display:flex;align-items:center;gap:8px;background:#fff;border-radius:999px;box-shadow:var(--shadow);padding:6px;width:max-content;max-width:100%}
.monthbar input{border:0;background:transparent;font-weight:900;color:var(--royal);font-size:17px;min-height:40px;text-align:center}
.monthbar .btn{border-radius:999px;width:42px;min-height:42px;padding:0}
.seg{display:inline-flex;background:var(--royal-50);border-radius:999px;padding:4px}
.seg button{border:0;background:transparent;min-height:40px;padding:0 16px;border-radius:999px;font-weight:700;color:var(--royal);cursor:pointer}
.seg button.on{background:#fff;box-shadow:var(--shadow)}
/* Progress */
.bar{height:12px;border-radius:999px;background:var(--royal-50);overflow:hidden}
.bar>i{display:block;height:100%;background:linear-gradient(90deg,var(--royal),#4A6BD0);border-radius:999px}
.bar.done>i{background:var(--ok)}
/* Chart */
.chart svg{width:100%;height:auto;display:block}
.legend{display:flex;gap:14px;font-size:13px;color:var(--muted);margin-top:6px}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px}
/* Notices */
.note{background:var(--royal-50);border-radius:var(--r-sm);padding:12px 14px;color:#2B3A6B;font-size:14.5px}
.privacy{display:flex;gap:12px;align-items:flex-start}
.install{display:none}
.install.show{display:flex}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:10px}
.steps li{counter-increment:s;display:flex;gap:12px;align-items:flex-start}
.steps li::before{content:counter(s);flex:0 0 30px;height:30px;border-radius:50%;background:var(--royal);color:#fff;display:grid;place-items:center;font-weight:900}
/* Bottom nav (phones) */
.bottomnav{position:fixed;bottom:0;left:0;right:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-top:1px solid var(--line);display:flex;justify-content:space-around;padding:6px 4px calc(6px + env(safe-area-inset-bottom))}
.bottomnav a{flex:1;display:flex;flex-direction:column;align-items:center;gap:2px;text-decoration:none;color:var(--muted);font-size:11px;font-weight:700;min-height:50px;justify-content:center;border-radius:12px}
.bottomnav a .i{font-size:20px;line-height:1}
.bottomnav a.on{color:var(--royal);background:var(--royal-50)}
body{padding-bottom:84px}
@media(min-width:900px){.bottomnav{display:none}body{padding-bottom:0}}
.desknav{display:none;gap:4px}
.desknav a{text-decoration:none;color:var(--muted);font-weight:700;font-size:14px;padding:8px 10px;border-radius:10px}
.desknav a.on,.desknav a:hover{color:var(--royal);background:var(--royal-50)}
@media(min-width:900px){.desknav{display:flex}}
/* Footer */
footer.site{margin-top:40px;background:#fff;border-top:1px solid var(--line)}
footer.site .wrap{display:flex;align-items:center;gap:12px;padding:20px 18px;flex-wrap:wrap}
footer.site img{width:44px;height:44px;object-fit:contain}
footer.site b{color:var(--royal)}
footer.site .links{margin-left:auto;display:flex;gap:14px;font-size:14px}
/* Modal & toast */
.toast{position:fixed;left:50%;bottom:100px;transform:translateX(-50%) translateY(20px);background:var(--ink);color:#fff;padding:12px 18px;border-radius:12px;font-weight:700;opacity:0;transition:.25s;z-index:60;pointer-events:none;max-width:90vw;text-align:center}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.hidden{display:none!important}
.print-only{display:none}
.chip{display:inline-block;padding:2px 10px;border-radius:999px;font-size:12.5px;font-weight:900;background:var(--royal-50);color:var(--royal)}
.chip.ok{background:#E3F4E7;color:var(--ok)}.chip.warn{background:#FDF0DC;color:var(--warn)}.chip.bad{background:#FBE4E1;color:var(--bad)}
.kv{display:flex;justify-content:space-between;gap:10px;padding:10px 0;border-bottom:1px solid var(--line)}
.kv:last-child{border-bottom:0}
.kv b{font-variant-numeric:tabular-nums}
.kv.total{font-size:18px;color:var(--royal);font-weight:900}
.section-title{display:flex;align-items:center;justify-content:space-between;gap:10px;margin:26px 0 8px}
.section-title h2{margin:0;font-size:18px;color:var(--royal);font-weight:900}
/* Print */
@media print{
  @page{size:letter portrait;margin:12mm}
  body{background:#fff;padding:0;font-size:11pt}
  .topbar,.bottomnav,.toolbar,.no-print,.btn,.example-banner .btn,.add-row,footer.site .links,.monthbar .btn,.install{display:none!important}
  .print-only{display:block}
  .card,.rows{box-shadow:none;border:1px solid #ddd;break-inside:avoid}
  .row{break-inside:avoid;padding:6px 10px;grid-template-columns:minmax(180px,2fr) 1fr 1fr!important}
  .row .del{display:none}
  .row .cell label{display:none}
  .row-head{display:grid!important;grid-template-columns:minmax(180px,2fr) 1fr 1fr!important;padding:4px 10px}
  .row-head.wide,.row.wide{grid-template-columns:minmax(180px,2fr) 1fr 1fr 1fr!important}
  .row .name{grid-column:auto!important}
  input,select{border:0!important;background:transparent!important;box-shadow:none!important;min-height:0!important;padding:0!important;font-size:10.5pt!important;appearance:none;-webkit-appearance:none}
  .row.is-empty{display:none!important}
  .hide-print{display:none!important}
  .pagebreak{break-before:page}
  .wrap{max-width:none;padding:0}
  footer.site{margin-top:12px;border:0}
  .page-head{padding-top:0}
  .stat .val{font-size:20pt}
  a{text-decoration:none;color:inherit}
}
/* entry cards */
.entry{background:#fff;border-radius:var(--r);box-shadow:var(--shadow);padding:14px;margin-bottom:12px;display:grid;grid-template-columns:1fr 1fr;gap:10px 12px;break-inside:avoid}
.entry .fld{display:block;font-size:11.5px;font-weight:900;letter-spacing:.6px;text-transform:uppercase;color:var(--muted)}
.entry .fld>span{display:block;margin:0 0 4px 2px}
.entry .fld.span{grid-column:1/-1}
.entry-foot{grid-column:1/-1;display:flex;align-items:center;gap:10px;justify-content:space-between;border-top:1px solid var(--line);padding-top:8px;margin-top:2px}
.entry-foot .derived{font-size:14px;color:var(--muted);display:flex;flex-wrap:wrap;gap:8px;align-items:center;flex:1}
.entry-foot .derived b{color:var(--ink)}
@media(min-width:760px){.entry{grid-template-columns:repeat(4,1fr)}.entry .fld.span{grid-column:span 2}}
@media print{.entry{box-shadow:none;border:1px solid #ddd;padding:8px;grid-template-columns:repeat(4,1fr);gap:4px 10px}.entry .fld.span{grid-column:span 2}.entry-foot .btn{display:none}}
.row .cell.notes{grid-column:1/-1}
@media print{
  body{font-size:9.5pt}
  .toast,.note.no-print{display:none!important}
  .rows{break-inside:auto;border-radius:6px}
  .row{padding:2px 8px}
  .row-head{padding:2px 8px;font-size:7.5pt}
  input,select{font-size:9.5pt!important}
  ::placeholder{color:transparent!important}
  .row .name .small{font-size:7pt;line-height:1.1}
  .row.contrib,.row-head.contrib{grid-template-columns:2fr 1fr .8fr 2fr!important}
  .row.contrib .cell.notes{grid-column:auto!important}
  span.print-only{display:inline}
  .section-title{margin:10px 0 4px}.section-title h2{font-size:12pt}
  .card{padding:8px 10px}.card h2{font-size:12pt;margin-bottom:4px}
  label.f{font-size:7.5pt}
  .stat{padding:6px 10px}.stat .val{font-size:15pt!important}.stat .lbl{font-size:7pt}.stat .sub{font-size:7.5pt}
  .grid{gap:6px!important}
  .groups{columns:2;column-gap:12px}
  .groups .group{break-inside:avoid;margin:0 0 6px}
  .groups .row,.groups .row-head{grid-template-columns:1.7fr 1fr 1fr!important}
  .group-head{padding:2px 2px}.group-head h3{font-size:9pt}
  .chart{max-width:70%}
  .chart svg{max-height:200px}
  .example-banner{padding:4px 10px;font-size:8pt;margin:4px 0}
  .page-head,.page-head + p{display:none}
}
@media print{.pagebreak{break-before:auto}.section-title{break-after:avoid}.row-head{break-after:avoid}footer.site{break-inside:avoid;padding:6px 0;margin-top:6px}}
@media print{input::-webkit-calendar-picker-indicator{display:none}input,select{padding-left:2px!important}}
@media(min-width:760px){.row.contrib,.row-head.contrib{grid-template-columns:minmax(160px,1.6fr) 1fr 1fr 1.6fr 44px}.row.contrib .cell.notes{grid-column:auto}}
@media print{.row-head.contrib span:last-child{display:none}}
/* Option A line icons */
.ico{display:inline-block;flex:0 0 auto;vertical-align:-0.15em}
.btn .ico{margin:0 -1px}
.btn.primary .ico,.badge .ico{color:inherit}
.tool-icon{flex:0 0 56px;height:56px;border-radius:16px;background:#fff;border:1.5px solid var(--royal-100);color:var(--royal);position:relative;overflow:hidden}
.tool-icon::after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='5'%3E%3Cpath d='M0 5 L5 0 L10 5Z' fill='%231E3A9E' fill-opacity='.85'/%3E%3C/svg%3E");background-size:10px 5px}
.tool-card{align-items:center}
.bottomnav a .i{display:grid;place-items:center;height:26px}
.bottomnav a:not(.on) .ico{opacity:.75}
.cur-ico{display:grid;place-items:center;color:var(--royal)}
.back .ico{margin-left:-3px}
.btn.icon .ico{color:inherit}
.privacy .tool-icon{flex-basis:52px;height:52px}
/* ===== v4: meters, year dashboard, bills, spending, review, quick add ===== */
.meters{padding:6px 16px}
.meters h3{margin:12px 0 2px}
.meter{padding:12px 0;border-bottom:1px solid var(--line)}
.meter:last-child{border-bottom:0}
.meter-top{display:flex;justify-content:space-between;gap:10px;align-items:baseline}
.meter-top b{color:var(--ink);font-size:15.5px}
.meter-top .money{font-weight:900;color:var(--royal);font-size:15px;white-space:nowrap}
.meter-top .muted{font-weight:700}
.mbar{position:relative;height:12px;border-radius:999px;background:#EEF0F5;margin:8px 0 6px;overflow:visible}
.mbar>i{display:block;height:100%;border-radius:999px;background:var(--ok);max-width:100%}
.m-warn .mbar>i{background:#E0A33B}.m-bad .mbar>i{background:var(--bad)}.m-none .mbar>i{background:#C9D2EE}
.mbar>em{position:absolute;top:-4px;bottom:-4px;width:2px;margin-left:-1px;background:var(--ink);border-radius:2px;opacity:.55}
.meter-foot{display:flex;justify-content:space-between;align-items:center;gap:8px;font-size:13.5px;color:var(--muted)}
.meter-foot .chip{flex:0 0 auto}
.txsum{display:flex;flex-direction:column;align-items:flex-end;text-decoration:none;padding:6px 10px;border-radius:12px;background:var(--royal-50);min-height:44px;justify-content:center}
.txsum b{color:var(--royal);font-size:15.5px}.txsum span{font-size:11.5px;color:var(--muted);font-weight:700}
.monthbar .yr{font-weight:900;color:var(--royal);font-size:18px;min-width:70px;text-align:center}
.yearbar{display:flex;justify-content:center;margin:18px 0 12px}
.safe{background:linear-gradient(150deg,var(--royal),#2E57B8);color:#fff;padding:20px 20px 18px;margin-top:14px;position:relative;overflow:hidden}
.safe::after{content:"";position:absolute;left:0;right:0;bottom:0;height:10px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='10'%3E%3Cpath d='M0 10 L10 0 L20 10Z' fill='%23FFF8E8' fill-opacity='.35'/%3E%3C/svg%3E");background-size:20px 10px}
.safe.neg{background:linear-gradient(150deg,#A93226,#C0392B)}
.safe .lbl{font-size:12.5px;font-weight:900;letter-spacing:.8px;text-transform:uppercase;opacity:.85}
.safe .big{font-size:clamp(40px,12vw,54px);font-weight:900;line-height:1.05;margin:6px 0 6px}
.safe .sub{font-size:14.5px;opacity:.9;padding-bottom:6px}.safe .sub a{color:#fff}
.ystats .stat{padding:14px}.ystats .stat .val{font-size:clamp(20px,5.6vw,26px)}
.legend .lg{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:4px;vertical-align:0}
.lg.ok{background:var(--ok)}.lg.warn{background:#E0A33B}.lg.bad{background:var(--bad)}
.section-title .legend{display:flex;gap:10px;color:var(--muted)}
.mtiles{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
@media(min-width:760px){.mtiles{grid-template-columns:repeat(6,1fr)}}
.mtile{display:block;text-decoration:none;color:var(--ink);background:#fff;border-radius:16px;padding:11px 11px 10px;box-shadow:var(--shadow);border:1.5px solid transparent;min-height:118px;position:relative}
.mtile.now{border-color:var(--royal)}
.mt-top{display:flex;justify-content:space-between;align-items:center}
.mt-top b{font-size:15px;color:var(--royal);font-weight:900}
.mt-top .dot{width:10px;height:10px;border-radius:50%;background:#D5D9E3}
.mt-amt{font-weight:900;font-size:16px;margin-top:8px;font-variant-numeric:tabular-nums}
.mt-sub{font-size:11.5px;color:var(--muted);font-weight:700}
.mt-bar{height:6px;border-radius:99px;background:#EEF0F5;margin-top:8px;overflow:hidden}.mt-bar i{display:block;height:100%;border-radius:99px;background:#C9D2EE}
.mt-lab{font-size:11px;font-weight:900;letter-spacing:.4px;text-transform:uppercase;margin-top:6px;color:var(--muted)}
.t-ok{background:#F1FAF3}.t-ok .dot,.t-ok .mt-bar i{background:var(--ok)}.t-ok .mt-lab{color:var(--ok)}
.t-warn{background:#FFF7EA}.t-warn .dot,.t-warn .mt-bar i{background:#E0A33B}.t-warn .mt-lab{color:var(--warn)}
.t-bad{background:#FDEEEC}.t-bad .dot,.t-bad .mt-bar i{background:var(--bad)}.t-bad .mt-lab{color:var(--bad)}
.t-future,.t-empty{opacity:.8}
.upcoming{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);margin-top:14px;border:1.5px solid #F3D9A6;background:var(--cream)}
.upcoming b{display:block;color:#7A5A12}.upcoming span{display:block;font-size:13.5px;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.up-ic{flex:0 0 46px;height:46px;border-radius:14px;background:#fff;display:grid;place-items:center;color:var(--royal);border:1.5px solid var(--royal-100)}
.upcoming>.ico{color:var(--muted)}
.cal{padding:12px}
.cal-h,.cal-g{display:grid;grid-template-columns:repeat(7,1fr);gap:4px;text-align:center}
.cal-h b{font-size:11.5px;color:var(--muted);padding-bottom:4px}
.cd{min-height:48px;border-radius:10px;display:flex;flex-direction:column;align-items:center;justify-content:flex-start;padding-top:5px;font-size:13.5px;font-weight:700;color:var(--ink)}
.cd.empty{visibility:hidden}
.cd.has{background:var(--royal);color:#fff}
.cd.has i{font-style:normal;font-size:9.5px;font-weight:900;margin-top:2px;opacity:.9}
.cd.paid{background:#E3F4E7;color:var(--ok)}
.cd.today{box-shadow:inset 0 0 0 2px #E0A33B}
.bill-row{display:flex;align-items:center;gap:12px;padding:12px 14px;border-bottom:1px solid var(--line)}
.bill-row:last-child{border-bottom:0}
.bd{flex:0 0 46px;height:50px;border-radius:12px;background:var(--royal-50);display:flex;flex-direction:column;align-items:center;justify-content:center;color:var(--royal)}
.bd b{font-size:18px;line-height:1}.bd span{font-size:10.5px;font-weight:900;text-transform:uppercase}
.bi{flex:1;min-width:0}.bi b{display:block}.bi>span{font-size:13px;color:var(--muted)}
.ba{display:flex;flex-direction:column;align-items:flex-end;gap:6px}
.ba .btn{min-height:36px;padding:0 12px;font-size:13.5px}
.ba .btn.paid{background:#E3F4E7;color:var(--ok);border-color:#BFE3C8}
.bill-row.is-paid .bi b,.bill-row.is-paid .ba .money{color:var(--muted);text-decoration:line-through}
/* year in review share card */
.share-card{background:linear-gradient(160deg,#1E3A9E 0%,#24449F 55%,#2E57B8 100%);color:#fff;border-radius:24px;padding:22px 20px 16px;box-shadow:0 14px 40px rgba(30,58,158,.28);position:relative;overflow:hidden;-webkit-print-color-adjust:exact;print-color-adjust:exact;break-inside:avoid}
.share-card::before{content:"";position:absolute;left:0;right:0;top:0;height:12px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='12'%3E%3Cpath d='M0 12 L12 0 L24 12Z' fill='%23FFF8E8' fill-opacity='.3'/%3E%3C/svg%3E");background-size:24px 12px}
.sc-head{display:flex;align-items:center;gap:12px;margin:8px 0 16px}
.sc-head img{width:52px;height:52px;background:#fff;border-radius:14px;padding:5px;object-fit:contain}
.sc-head small{display:block;opacity:.8;font-size:13px;font-weight:700;letter-spacing:.5px;text-transform:uppercase}
.sc-head b{font-size:26px;font-weight:900;line-height:1.1}
.sc-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.sc-grid>div{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);border-radius:16px;padding:12px}
.sc-grid small,.sc-best small{display:block;font-size:11.5px;font-weight:900;letter-spacing:.7px;text-transform:uppercase;opacity:.8}
.sc-grid b{font-size:22px;font-weight:900}
.sc-list{background:#FFF8E8;color:var(--ink);border-radius:16px;padding:4px 14px;margin-top:12px}
.hl{display:flex;align-items:center;gap:10px;padding:10px 0;border-bottom:1px solid #F0E3C8}
.hl:last-child{border-bottom:0}
.hl-ic{flex:0 0 36px;height:36px;border-radius:10px;background:#fff;display:grid;place-items:center;color:var(--royal);border:1px solid var(--royal-100)}
.hl-k{flex:1;font-weight:700}.hl-k small{display:block;font-size:12px;color:var(--muted);font-weight:700}
.hl b{color:var(--royal);font-size:17px}
.sc-best{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:12px}
.sc-best>div{border-radius:16px;padding:10px 12px;background:rgba(255,255,255,.12)}
.sc-best b{display:block;font-size:20px}.sc-best span{font-size:13.5px;opacity:.9}
.sc-foot{display:flex;justify-content:space-between;gap:8px;flex-wrap:wrap;font-size:11.5px;opacity:.8;margin-top:14px;font-weight:700}
.review-t td.sub{padding-left:18px;color:var(--muted)}
.review-t tr.gr td{font-weight:900;color:var(--royal);background:var(--royal-50)}
td.over{color:var(--bad)!important}
/* floating quick-add + bottom sheet */
.fab{position:fixed;right:18px;bottom:calc(84px + env(safe-area-inset-bottom));z-index:35;width:62px;height:62px;border-radius:20px;border:0;background:var(--royal);color:#fff;display:grid;place-items:center;box-shadow:0 10px 26px rgba(30,58,158,.38);cursor:pointer}
.fab::after{content:"";position:absolute;left:10px;right:10px;bottom:6px;height:4px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='8' height='4'%3E%3Cpath d='M0 4 L4 0 L8 4Z' fill='%23FFF8E8' fill-opacity='.6'/%3E%3C/svg%3E");background-size:8px 4px}
.fab.hidden{display:none}
@media(min-width:900px){.fab{bottom:28px;right:28px}}
body.qa-open .fab{display:none}
body.qa-open{overflow:hidden}
#qa .sheet-back{position:fixed;inset:0;background:rgba(20,27,46,.45);z-index:60;opacity:0;transition:opacity .2s}
#qa .sheet{position:fixed;left:0;right:0;bottom:0;z-index:61;background:#fff;border-radius:24px 24px 0 0;max-height:94vh;display:flex;flex-direction:column;padding:8px 16px calc(14px + env(safe-area-inset-bottom));transform:translateY(100%);transition:transform .22s ease-out;max-width:560px;margin:0 auto;box-shadow:0 -10px 40px rgba(20,27,46,.25)}
#qa.show .sheet-back{opacity:1}#qa.show .sheet{transform:none}
.sheet-top{display:flex;align-items:center;justify-content:space-between;position:relative;padding-top:10px}
.sheet-top b{color:var(--royal);font-size:16px}
.grab{position:absolute;left:50%;top:0;width:44px;height:5px;border-radius:9px;background:#D5D9E3;margin-left:-22px}
.qa-amt{font-size:44px;font-weight:900;color:var(--royal);text-align:center;padding:2px 0 6px;font-variant-numeric:tabular-nums;letter-spacing:-.5px}
.qa-cats{overflow-y:auto;max-height:28vh;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:4px 0 8px;margin:0 -16px;padding-left:16px;padding-right:16px}
.qa-g h4{margin:8px 0 6px;font-size:11.5px;letter-spacing:.7px;text-transform:uppercase;color:var(--muted)}
.qa-chips{display:flex;flex-wrap:wrap;gap:6px}
.qa-chip{border:1.5px solid var(--royal-100);background:#fff;color:var(--ink);border-radius:999px;padding:0 13px;min-height:40px;font-weight:700;font-size:14px;cursor:pointer}
.qa-chip.on{background:var(--royal);border-color:var(--royal);color:#fff}
.qa-extra{display:grid;grid-template-columns:1.4fr 1fr;gap:8px;margin:10px 0 8px}
.qa-extra .inp{min-height:44px}
.keypad{display:grid;grid-template-columns:repeat(3,1fr);gap:6px}
.keypad button{min-height:50px;border-radius:14px;border:0;background:var(--royal-50);font-size:22px;font-weight:900;color:var(--ink);display:grid;place-items:center;cursor:pointer;font-family:inherit}
.keypad button:active{background:var(--royal-100)}
.qa-save{width:100%;min-height:54px;margin-top:10px;font-size:16px;border-radius:16px}
.qa-save:disabled{background:#C9D2EE;border-color:#C9D2EE;color:#fff;opacity:1}
@media(max-height:700px){.qa-amt{font-size:34px}.keypad button{min-height:42px}.qa-cats{max-height:22vh}}
@media print{.fab,#qa,.upcoming,.meters{display:none!important}.share-card{box-shadow:none}.sc-grid b{font-size:16pt}.review-t{break-inside:auto}}
.grid.ystats{grid-template-columns:1fr 1fr;gap:10px}
@media(min-width:640px){.grid.ystats{grid-template-columns:repeat(4,1fr)}}
@media print{
  .share-card{padding:12px 14px 8px;border-radius:12px}
  .sc-head{margin:6px 0 8px}.sc-head img{width:38px;height:38px}.sc-head b{font-size:16pt}
  .sc-grid{grid-template-columns:repeat(4,1fr);gap:6px}.sc-grid>div{padding:6px 8px}
  .sc-list{display:grid;grid-template-columns:1fr 1fr;column-gap:16px;padding:2px 10px;margin-top:8px}
  .hl{padding:4px 0}.hl-ic{flex-basis:24px;height:24px}.hl b{font-size:11pt}
  .sc-best{margin-top:8px}.sc-best>div{padding:6px 10px}.sc-best b{font-size:13pt}
  .sc-foot{margin-top:8px}
  table.t{font-size:8.5pt}table.t td,table.t th{padding:2px 6px!important}
  .review-t{padding:4px 8px}
  .yearbar{display:none}
}
/* ===== v5: converter + live rates ===== */
.conv{margin-top:16px;padding:18px}
.conv-head{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.conv-head h2{margin:0;font-size:19px}
.conv-head .tool-icon{flex-basis:52px;height:52px}
.big-inp{font-size:24px!important;font-weight:900;min-height:56px!important;text-align:left!important}
.conv-pick{display:grid;grid-template-columns:1fr auto 1fr;gap:8px;align-items:end;margin-top:10px}
.conv-pick select{min-height:50px;font-weight:700}
.btn.icon.swap{width:48px;min-height:50px;border-radius:14px;background:var(--royal-50);color:var(--royal);border-color:var(--royal-100)}
.conv-out{margin-top:14px;background:linear-gradient(150deg,var(--royal),#2E57B8);color:#fff;border-radius:16px;padding:14px 16px 16px;position:relative;overflow:hidden}
.conv-out::after{content:"";position:absolute;left:0;right:0;bottom:0;height:7px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='7'%3E%3Cpath d='M0 7 L7 0 L14 7Z' fill='%23FFF8E8' fill-opacity='.35'/%3E%3C/svg%3E");background-size:14px 7px}
.conv-out .lbl,.pop .lbl{font-size:11.5px;font-weight:900;letter-spacing:.8px;text-transform:uppercase;opacity:.8}
.conv-out .big{font-size:clamp(30px,9vw,40px);font-weight:900;line-height:1.1;margin:2px 0 4px;word-break:break-word}
.conv-out .small{opacity:.88;padding-bottom:4px}
.pop{margin-top:14px}.pop .lbl{color:var(--muted);margin-bottom:6px}
.pop-row{display:grid;grid-template-columns:repeat(5,1fr);gap:6px}
.pop-chip{border:1.5px solid var(--royal-100);background:#fff;border-radius:12px;padding:8px 2px;display:flex;flex-direction:column;align-items:center;gap:1px;cursor:pointer;font-family:inherit;min-height:52px}
.pop-chip b{color:var(--royal);font-size:13px}.pop-chip span{font-size:12px;color:var(--ink);font-weight:700}
.pop-chip.on{background:var(--royal);border-color:var(--royal)}.pop-chip.on b,.pop-chip.on span{color:#fff}
.live-row{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:10px 0 4px;border-top:1px solid var(--line);margin-top:12px}
.switch{position:relative;flex:0 0 56px;height:32px}
.switch input{position:absolute;opacity:0;width:100%;height:100%;margin:0;cursor:pointer;z-index:1}
.switch span{position:absolute;inset:0;border-radius:99px;background:#C9CFDD;transition:background .15s}
.switch span::after{content:"";position:absolute;top:3px;left:3px;width:26px;height:26px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.25);transition:transform .15s}
.switch input:checked+span{background:var(--royal)}.switch input:checked+span::after{transform:translateX(24px)}
.switch input:focus-visible+span{outline:3px solid #E0A33B;outline-offset:2px}
.rates-t td{vertical-align:middle}.rates-t tr:not(.manual) td:last-child .inp{opacity:.55}
.cv-name{display:block;font-size:12px;font-weight:700;color:var(--muted);margin:4px 2px 0;min-height:16px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.conv-pick{align-items:start}.conv-pick .swap{margin-top:24px}
.section-title + .conv{margin-top:0;margin-bottom:14px}
/* ===== v8: full converter ===== */
.conv-link{text-decoration:none;color:inherit;border-radius:14px;margin:-6px -6px 6px;padding:6px}
.conv-link:hover,.conv-link:active{background:var(--royal-50)}
.conv-link>.ico{color:var(--muted)}
.conv-open{width:100%;margin-top:12px;color:var(--royal);font-weight:900;background:var(--royal-50);border-color:var(--royal-100)}
.quick{display:grid;grid-template-columns:repeat(5,1fr);gap:6px;margin-top:8px}
.quick .pop-chip{min-height:44px;font-weight:900;color:var(--royal);font-size:14.5px}
.quick .pop-chip.on{color:#fff}
.cv-all{padding:4px 8px}
.cv-row{display:flex;width:100%;justify-content:space-between;align-items:center;gap:10px;padding:11px 8px;border:0;border-bottom:1px solid var(--line);background:transparent;font-family:inherit;text-align:left;cursor:pointer;min-height:56px;border-radius:10px}
.cv-row:last-child{border-bottom:0}
.cv-row span b{color:var(--royal);display:block;font-size:15px}.cv-row small{color:var(--muted);font-size:12.5px}
.cv-row>b{font-size:16.5px;color:var(--ink);white-space:nowrap}
.cv-row.on{background:var(--royal-50)}

/* ---------- receipt scanning ---------- */
.qa-scan{display:flex;gap:8px;align-items:center;margin:2px 0 6px}
.qa-scan .btn.small{flex:1;min-height:42px}
.qa-scan.has{background:var(--royal-50);border:1px solid var(--royal-100);border-radius:14px;padding:8px;gap:10px}
.qa-scan.has.fail{background:#FDF0DC;border-color:#F3D29B}
.qa-scan.has.ok{background:#E9F6EC;border-color:#BFE3C7}
.rc-thumb{width:46px;height:58px;object-fit:cover;border-radius:8px;background:#fff;border:1px solid var(--line);flex:0 0 auto}
.rc-thumb[src=""]{visibility:hidden}
.rc-status{flex:1;min-width:0;display:flex;flex-direction:column;gap:2px;font-size:13px;color:var(--muted);line-height:1.3}
.rc-status b{color:var(--ink);font-size:14.5px}
.rc-bar{height:6px;border-radius:99px;background:#fff;overflow:hidden;margin-top:3px}
.rc-bar i{display:block;height:100%;background:var(--royal);border-radius:99px;transition:width .3s}
.rc-chip{display:inline-flex;align-items:center;gap:6px;border:1.5px solid var(--royal-100);background:var(--royal-50);color:var(--royal);border-radius:999px;min-height:36px;padding:0 12px;font-weight:700;font-size:13.5px;cursor:pointer}
.rc-view{position:fixed;inset:0;z-index:70;display:grid;place-items:center;padding:14px}
.rc-view-back{position:absolute;inset:0;background:rgba(20,27,46,.7)}
.rc-view-box{position:relative;background:#fff;border-radius:18px;max-width:min(560px,100%);max-height:92vh;display:flex;flex-direction:column;overflow:hidden;width:100%}
.rc-view-top,.rc-view-foot{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:8px 8px 8px 14px}
.rc-view-top b{color:var(--royal)}
.rc-view-box img{display:block;max-width:100%;max-height:calc(92vh - 120px);object-fit:contain;background:#F4F5F8;margin:0 auto}
.rc-opt{display:flex;gap:10px;align-items:flex-start;margin:6px 0 4px;font-weight:700;font-size:14.5px;cursor:pointer}
.rc-opt input{width:20px;height:20px;margin-top:1px;accent-color:var(--royal)}

/* ---------- home budget tracker ---------- */
.tracker{margin-top:16px;padding:16px}
.tr-head{display:flex;justify-content:space-between;align-items:flex-start;gap:10px}
.tr-head h2{margin:2px 0 10px;font-size:24px;color:var(--royal);line-height:1.15}
.tr-head h2 .muted{font-size:15px;font-weight:700}
.tr-k{font-size:11.5px;font-weight:900;letter-spacing:.7px;text-transform:uppercase;color:var(--muted)}
.tracker.m-ok .tr-k{color:var(--ok)}.tracker.m-warn .tr-k{color:var(--warn)}.tracker.m-bad .tr-k{color:var(--bad)}
.tracker.empty p{margin:4px 0 0}
.mbar.big{height:14px}
.tr-stats{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0 4px}
.tr-stats>div{background:var(--sand);border-radius:14px;padding:10px 12px;display:flex;flex-direction:column}
.tr-stats span{font-size:11.5px;font-weight:900;letter-spacing:.6px;text-transform:uppercase;color:var(--muted)}
.tr-stats b{font-size:22px;color:var(--royal);font-weight:900}.tr-stats b.bad{color:var(--bad)}
.tr-stats small{font-size:12.5px;color:var(--muted);line-height:1.25}
.tr-list h3{margin:12px 0 4px;font-size:12px;letter-spacing:.7px;text-transform:uppercase;color:var(--muted)}
.tr-row{display:grid;grid-template-columns:1fr auto;gap:4px 10px;padding:8px 0;border-bottom:1px solid var(--line);text-decoration:none;color:inherit}
.tr-row:last-child{border-bottom:0}
.tr-n{font-weight:700;font-size:14.5px;color:var(--ink);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.tr-v{font-weight:900;color:var(--royal);font-size:14px;white-space:nowrap}.tr-v .muted{font-weight:700}
.tr-row .mbar{grid-column:1/-1;height:7px}
.tr-row.m-ok .mbar>i{background:var(--ok)}.tr-row.m-warn .mbar>i{background:#E0A33B}.tr-row.m-bad .mbar>i{background:var(--bad)}.tr-row.m-none .mbar>i{background:#C9D2EE}