/* ── FONTS ── */
/* DM Sans (body), Fraunces (serif headlines), DM Mono (tabular) */

/* ── LIGHT MODE — Editorial Warm ── */
:root {
  --bg:           #f7f1e7;
  --bg-2:         #fffaf1;
  --bg-3:         #efe6d4;
  --gold:         #9a7d3a;
  --gold-bright:  #b8922a;
  --gold-light:   #c4a054;
  --gold-dim:     #7a6228;
  --gold-bg:      #f9f4eb;
  --gold-soft:    #e8d59a;
  --blue:         #2c5da0;
  --blue-bg:      #d6eaff;
  --purple:       #6b4dc4;
  --purple-bg:    #e4dcfb;
  --text:         #1a1f3a;
  --text-main:    #1a1f3a;
  --text-dim:     #3b4163;
  --text-faint:   #6e6e85;
  --text-muted:   #a89e8c;
  --border:       rgba(26,31,58,0.10);
  --border-strong: rgba(26,31,58,0.22);
  --positive:     #2e7d5a;
  --positive-bg:  #d6f1e3;
  --negative:     #b8412a;
  --negative-bg:  #ffd9d3;
  --warning:      #c4861f;
  --warning-bg:   #fff0bc;
  --shadow:       0 1px 2px rgba(26,31,58,0.04), 0 12px 24px -16px rgba(26,31,58,0.18);
  --shadow-hover: 0 2px 4px rgba(26,31,58,0.06), 0 16px 32px -12px rgba(26,31,58,0.22);
  --shadow-card:  0 1px 0 #fff inset, 0 1px 2px rgba(26,31,58,0.04), 0 12px 24px -16px rgba(26,31,58,0.18);
  --radius:       14px;
  --radius-sm:    7px;
  --sidebar-w:    220px;
  --card:         #fffaf1;
  --card-bg:      #fffaf1;
  --surface:      #efe6d4;

  /* Editorial accent palette */
  --sky:          #d6eaff;
  --sky-ink:      #1d4ed8;
  --sky-deep:     #2c5da0;
  --mint:         #d6f1e3;
  --mint-ink:     #047857;
  --mint-deep:    #2e7d5a;
  --peach:        #ffdfc7;
  --peach-ink:    #9c3f1a;
  --peach-deep:   #b85a2a;
  --lilac:        #e4dcfb;
  --lilac-ink:    #4f3aa8;
  --lilac-deep:   #6b4dc4;
  --butter:       #fff0bc;
  --butter-ink:   #7d5f0e;
  --rose:         #ffd6e1;
  --rose-ink:     #a8255e;

  /* legacy aliases */
  --red:          #b8412a;
  --green:        #2e7d5a;
  --bg-red:       #ffd9d3;
  --bg-green:     #d6f1e3;
  --bg-gold:      #f9f4eb;
  --border-gold:  rgba(184,146,42,0.3);
  --cream:        #1a1f3a;
}

/* ── DARK MODE — Editorial Dark ── */
[data-theme="dark"] {
  --bg:           #0e0f1a;
  --bg-2:         #181a28;
  --bg-3:         #222438;
  --gold:         #9a7d3a;
  --gold-bright:  #c4a054;
  --gold-light:   #c4a054;
  --gold-dim:     #6b5828;
  --gold-bg:      rgba(154,125,58,0.12);
  --gold-soft:    #c4a054;
  --blue:         #5b8ad4;
  --blue-bg:      rgba(59,111,212,0.14);
  --purple:       #9078d8;
  --purple-bg:    rgba(115,84,200,0.14);
  --text:         #e4e1d8;
  --text-main:    #e4e1d8;
  --text-dim:     #9a98b0;
  --text-faint:   #6a6880;
  --text-muted:   #555368;
  --border:       rgba(230,223,209,0.08);
  --border-strong: rgba(230,223,209,0.16);
  --positive:     #4ade80;
  --positive-bg:  rgba(46,125,90,0.14);
  --negative:     #f87171;
  --negative-bg:  rgba(184,65,42,0.14);
  --warning:      #fbbf24;
  --warning-bg:   rgba(196,134,31,0.14);
  --shadow:       0 2px 14px rgba(0,0,0,0.35);
  --shadow-hover: 0 6px 24px rgba(0,0,0,0.45);
  --shadow-card:  0 1px 0 rgba(255,255,255,0.04) inset, 0 2px 14px rgba(0,0,0,0.35);
  --card:         #181a28;
  --card-bg:      #1c1e2c;
  --surface:      #222438;

  /* Dark accent palette (muted) */
  --sky:          rgba(29,78,216,0.15);
  --sky-ink:      #93c5fd;
  --sky-deep:     #60a5fa;
  --mint:         rgba(4,120,87,0.14);
  --mint-ink:     #6ee7b7;
  --mint-deep:    #34d399;
  --peach:        rgba(156,63,26,0.14);
  --peach-ink:    #fdba74;
  --peach-deep:   #fb923c;
  --lilac:        rgba(79,58,168,0.16);
  --lilac-ink:    #c4b5fd;
  --lilac-deep:   #a78bfa;
  --butter:       rgba(125,95,14,0.14);
  --butter-ink:   #fde68a;
  --rose:         rgba(168,37,94,0.14);
  --rose-ink:     #f9a8d4;

  /* legacy aliases */
  --red:          #f87171;
  --green:        #4ade80;
  --bg-red:       rgba(184,65,42,0.14);
  --bg-green:     rgba(46,125,90,0.14);
  --bg-gold:      rgba(154,125,58,0.12);
  --border-gold:  rgba(154,125,58,0.3);
  --cream:        #e4e1d8;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: 'DM Sans', ui-sans-serif, system-ui, sans-serif;
  font-weight: 400;
  background: var(--bg);
  color: var(--text);
  display: flex;
  min-height: 100vh;
  font-size: 15px;
  line-height: 1.5;
  transition: background 0.2s, color 0.2s;
}

/* ── EDITORIAL TYPOGRAPHY ── */
.ed-serif { font-family: 'Fraunces', 'Iowan Old Style', Georgia, serif; font-feature-settings: 'ss01'; }
.ed-serif em { font-style: italic; color: var(--gold-bright); }
.mono { font-family: 'DM Mono', ui-monospace, monospace; font-variant-numeric: tabular-nums; }

/* ── EDITORIAL EYEBROW ── */
.ed-eyebrow {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 8px;
  font-weight: 500;
}

/* ── EDITORIAL KPI TILES ── */
.ed-kpi-grid { display: grid; gap: 14px; margin-bottom: 22px; }
.ed-kpi {
  padding: 20px 22px;
  border-radius: 16px;
  position: relative;
  overflow: hidden;
  border: 1px solid;
}
.ed-kpi-h {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 600;
  opacity: 0.8;
}
.ed-kpi-v {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 38px;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin-top: 6px;
  font-weight: 400;
  color: var(--text);
}
.ed-kpi-s {
  font-size: 11.5px;
  margin-top: 6px;
  font-weight: 500;
  opacity: 0.85;
}
.ed-kpi.sky    { background: var(--sky);    border-color: rgba(44,93,160,0.18);  color: var(--sky-deep); }
.ed-kpi.mint   { background: var(--mint);   border-color: rgba(46,125,90,0.20);  color: var(--mint-deep); }
.ed-kpi.peach  { background: var(--peach);  border-color: rgba(184,90,42,0.18);  color: var(--peach-deep); }
.ed-kpi.lilac  { background: var(--lilac);  border-color: rgba(107,77,196,0.18); color: var(--lilac-deep); }
.ed-kpi.butter { background: var(--butter); border-color: rgba(196,134,31,0.20); color: var(--butter-ink); }
.ed-kpi.rose   { background: var(--rose);   border-color: rgba(168,37,94,0.18);  color: var(--rose-ink); }

/* ── Editorial badges (pill + dot) ── */
.ed-badge {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 11px; font-weight: 600; letter-spacing: 0.03em;
  padding: 3px 10px 3px 8px; border-radius: 999px;
  background: var(--bg-3); color: var(--text-dim);
}
.ed-badge .dt {
  width: 5px; height: 5px; border-radius: 50%;
  background: currentColor; flex-shrink: 0;
}
.ed-badge.ok     { background: rgba(46,125,90,0.12);  color: var(--positive); }
.ed-badge.warn   { background: rgba(196,134,31,0.12); color: var(--warning); }
.ed-badge.danger { background: rgba(184,65,42,0.12);  color: var(--negative); }
.ed-badge.sky    { background: rgba(29,78,216,0.10);   color: #1d4ed8; }
.ed-badge.lilac  { background: rgba(79,58,168,0.10);   color: #4f3aa8; }

/* ── Editorial colored avatar ── */
.ed-avatar {
  width: 34px; height: 34px; border-radius: 50%;
  display: grid; place-items: center;
  font-size: 12px; font-weight: 700;
  flex-shrink: 0;
}

/* ── Editorial risk profile chips ── */
.ed-risk-chip {
  display: inline-block;
  font-size: 11px; font-weight: 600; letter-spacing: 0.04em;
  padding: 3px 9px; border-radius: 4px;
}

/* ── Editorial section header (dot + uppercase label) ── */
.ed-section-head {
  display: flex; align-items: center; gap: 10px; margin-bottom: 10px;
}
.ed-section-dot {
  width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0;
}
.ed-section-label {
  font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase;
  font-weight: 600; color: var(--text-dim);
}
.ed-section-count {
  font-family: 'DM Mono', monospace; font-size: 11px; color: var(--text-faint);
}

/* ── Editorial card head ── */
.ed-card-head {
  display: flex; justify-content: space-between; align-items: center;
  padding: 18px 22px; border-bottom: 1px solid var(--border);
}
.ed-card-title { font-family: 'Fraunces', Georgia, serif; font-size: 18px; font-weight: 500; color: var(--text); }
.ed-card-sub { font-size: 12px; color: var(--text-faint); margin-top: 2px; }

/* ── Risk bar indicator (visual 4-bar) ── */
.ed-risk-bars { display: inline-flex; gap: 2px; }
.ed-risk-bar { width: 6px; height: 12px; border-radius: 1.5px; background: rgba(26,31,58,0.10); }
[data-theme="dark"] .ed-risk-bar { background: rgba(230,223,209,0.10); }

/* ── Class filter chips ── */
.ed-filter-chip {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 11px; font-weight: 600; padding: 5px 12px; border-radius: 999px;
  border: 1px solid var(--border); background: var(--bg-2); color: var(--text-dim);
  cursor: pointer; transition: all 0.15s;
}
.ed-filter-chip:hover { border-color: var(--border-strong); }
.ed-filter-chip.active { background: var(--text); color: var(--bg); border-color: var(--text); }

/* Gold rule accent divider */
.ed-gold-rule { width: 60px; height: 2px; background: var(--gold-bright); border-radius: 2px; margin: 20px 0 10px; }

/* ── SIDEBAR ── */
#sidebar {
  width: var(--sidebar-w);
  background: linear-gradient(180deg, #14182f 0%, #1a1f3a 100%);
  color: #e6dfd1;
  display: flex;
  flex-direction: column;
  position: fixed;
  top: 0; left: 0; bottom: 0;
  z-index: 100;
  overflow-y: auto;
  transition: transform 0.25s cubic-bezier(0.4,0,0.2,1);
}

/* Sidebar collapse toggle button */
#sidebar-toggle {
  position: fixed;
  top: 14px;
  left: calc(var(--sidebar-w) - 14px);
  z-index: 101;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #1a1f3a;
  border: 1px solid rgba(196,160,84,0.2);
  color: rgba(230,223,209,0.6);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: left 0.25s cubic-bezier(0.4,0,0.2,1), background 0.15s, color 0.15s;
  box-shadow: 0 2px 8px rgba(0,0,0,0.25);
}
#sidebar-toggle:hover { background: #242946; color: #f3e7c5; }
#sidebar-toggle svg { transition: transform 0.25s; }

/* Collapsed state */
body.sidebar-collapsed #sidebar {
  transform: translateX(calc(-1 * var(--sidebar-w)));
}
body.sidebar-collapsed #main {
  margin-left: 0;
}
body.sidebar-collapsed #sidebar-toggle {
  left: 8px;
}
body.sidebar-collapsed #sidebar-toggle svg {
  transform: rotate(180deg);
}


#sidebar::before {
  content: '';
  display: block;
  height: 2px;
  background: linear-gradient(90deg, #c4a054, rgba(196,160,84,0.4) 40%, transparent);
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  z-index: 2;
  flex-shrink: 0;
}

.sidebar-logo {
  padding: 8px 14px 18px;
  border-bottom: 1px solid rgba(196,160,84,0.18);
  margin-bottom: 14px;
}


.sidebar-bottom {
  margin-top: auto;
  padding: 12px 14px 18px;
  border-top: 1px solid rgba(196,160,84,0.16);
  display: flex;
  align-items: center;
  gap: 10px;
}

.sidebar-sig {
  width: 154px;
  height: auto;
  object-fit: contain;
  display: block;
  margin: 0 auto;
  opacity: 0.92;
}

.logo-name {
  font-size: 15px;
  font-weight: 600;
  color: var(--gold-bright);
  letter-spacing: 0.3px;
  transition: color 0.2s;
}

.logo-underline {
  width: 32px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-dim), transparent);
  margin: 8px auto;
  opacity: 0.5;
}

.logo-welcome {
  font-family: 'DM Sans', sans-serif;
  font-size: 10px;
  font-weight: 600;
  color: rgba(196,160,84,0.55);
  letter-spacing: 2.5px;
  text-transform: uppercase;
  text-align: center;
  padding: 18px 16px 4px;
}

.logo-tagline {
  font-family: 'Fraunces', Georgia, serif;
  font-style: italic;
  font-size: 19px;
  font-weight: 500;
  color: var(--gold-soft, #e8d59a);
  letter-spacing: 0.01em;
  line-height: 1.15;
  padding: 8px 12px 0;
  text-shadow: none;
}
.logo-sub {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(230,223,209,0.42);
  line-height: 1.4;
  margin-top: 6px;
  padding-left: 12px;
}

.nav-section {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: rgba(230,223,209,0.42);
  padding: 14px 12px 6px;
  font-weight: 600;
  font-family: 'DM Sans', sans-serif;
  text-align: left;
}

nav a {
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 9px 12px;
  margin: 1px 0;
  border-radius: 7px;
  color: rgba(230,223,209,0.72);
  text-decoration: none;
  font-size: 13px;
  font-weight: 500;
  font-family: 'DM Sans', sans-serif;
  transition: all 0.15s;
  cursor: pointer;
  letter-spacing: 0;
  position: relative;
  line-height: 1.2;
}

nav a:hover {
  background: rgba(255,255,255,0.03);
  color: #f3e7c5;
}

nav a.active {
  background: rgba(196,160,84,0.14);
  color: #f3e7c5;
  font-weight: 600;
}
nav a.active::before {
  content: '';
  position: absolute;
  left: -1px;
  top: 8px;
  bottom: 8px;
  width: 2px;
  border-radius: 2px;
  background: var(--gold-soft, #e8d59a);
}
nav a.active .nav-icon { opacity: 1; color: var(--gold-soft, #e8d59a); }

.nav-icon {
  width: 17px;
  height: 17px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  opacity: 0.85;
}

.sidebar-footer {
  margin-top: auto;
  padding: 14px 20px;
  border-top: 1px solid rgba(255,255,255,0.06);
  text-align: center;
  font-style: italic;
  font-size: 11px;
  color: var(--gold-dim);
  letter-spacing: 0.3px;
}


/* ── MAIN ── */
#main {
  margin-left: var(--sidebar-w);
  flex: 1;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  transition: margin-left 0.25s cubic-bezier(0.4,0,0.2,1);
}

.page-header {
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  padding: 22px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

h1#page-title {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-faint);
  font-family: 'DM Sans', ui-sans-serif, sans-serif;
}

.header-date {
  color: var(--text-faint);
  font-size: 11.5px;
  font-family: 'DM Mono', 'Courier New', monospace;
  font-weight: 400;
  letter-spacing: 0.01em;
}

.page-content { padding: 32px 44px; flex: 1; }

/* ── CARDS ── */
.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 0;
  margin-bottom: 20px;
  box-shadow: var(--shadow-card);
  position: relative;
  overflow: hidden;
}

.card-header {
  padding: 18px 22px 12px;
  border-bottom: 1px solid var(--border);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.card-header::before {
  display: none;
}

.card-body { padding: 20px 22px; }

.card-title {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 20px;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--text);
  display: flex;
  align-items: center;
  flex: 1;
}
.card-subtitle {
  font-size: 12px;
  color: var(--text-faint);
  margin-top: 2px;
}

/* Subtle glow on key card titles and policy name (dark mode only) */
[data-theme="dark"] .title-glow {
  text-shadow:
    0 0 10px rgba(196,160,84,0.45),
    0 0 24px rgba(196,160,84,0.18);
}

/* ── METRIC CARDS ── */
.metric-card {
  background: var(--bg-2);
  border-radius: var(--radius);
  padding: 26px 28px 22px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  border-top: 3px solid var(--accent-color, var(--border));
  transition: box-shadow 0.2s, transform 0.2s;
  position: relative;
  overflow: hidden;
}

.metric-card:hover {
  box-shadow: var(--shadow-hover);
  transform: translateY(-1px);
}

.metric-card::after {
  content: '';
  position: absolute;
  top: -20px; right: -20px;
  width: 80px; height: 80px;
  border-radius: 50%;
  background: var(--accent-color, transparent);
  opacity: 0.07;
  pointer-events: none;
}

.metric-card.mc-gold   { --accent-color: var(--gold); }
.metric-card.mc-blue   { --accent-color: var(--blue); }
.metric-card.mc-green  { --accent-color: var(--positive); }
.metric-card.mc-purple { --accent-color: var(--purple); }
.metric-card.gold   { --accent-color: var(--gold); }
.metric-card.blue   { --accent-color: var(--blue); }
.metric-card.green  { --accent-color: var(--positive); }
.metric-card.purple { --accent-color: var(--purple); }

.metric-card .mc-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--text-faint);
  margin-bottom: 10px;
  font-family: 'DM Sans', sans-serif;
}

.metric-card .mc-value {
  font-size: 32px;
  font-weight: 400;
  letter-spacing: -0.03em;
  color: var(--text);
  font-family: 'Fraunces', Georgia, serif;
  line-height: 1;
  margin-bottom: 6px;
}

.metric-card .mc-value.positive { color: var(--positive); }
.metric-card .mc-value.negative { color: var(--negative); }
.metric-card .mc-sub {
  font-size: 12px;
  color: var(--text-dim);
  font-family: 'DM Sans', sans-serif;
}

/* Mockup class name aliases */
.metric-label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--text-dim); margin-bottom: 10px; font-family: 'DM Sans', sans-serif; }
.metric-value { font-size: 30px; font-weight: 400; letter-spacing: -0.03em; color: var(--text); font-family: 'Fraunces', Georgia, serif; line-height: 1; margin-bottom: 8px; }
.metric-value.positive { color: var(--positive); }
.metric-value.negative { color: var(--negative); }
.metric-sub   { font-size: 12px; color: var(--text-dim); font-family: 'DM Sans', sans-serif; }
.metric-pill  { display: inline-block; font-size: 11px; font-weight: 600; padding: 2px 9px; border-radius: 20px; margin-top: 6px; }
.metric-pill.positive { background: var(--positive-bg); color: var(--positive); }
.metric-pill.negative { background: var(--negative-bg); color: var(--negative); }
.metric-pill.gold     { background: var(--gold-bg); color: var(--gold); }

/* ── METRICS GRID ── */
.metrics-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 24px;
}

/* ── STAT CARDS (legacy, kept for dashboard) ── */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
  gap: 16px;
  margin-bottom: 24px;
}

.stat-card {
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 26px;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.stat-card.gold    { border-top: 3px solid var(--gold); }
.stat-card.success { border-top: 3px solid var(--positive); }
.stat-card.warning { border-top: 3px solid var(--gold-bright); }
.stat-card.danger  { border-top: 3px solid var(--negative); }

.stat-label {
  font-size: 12px;
  color: var(--text-dim);
  text-transform: uppercase;
  letter-spacing: 1.2px;
  font-weight: 700;
  margin-bottom: 10px;
  font-family: 'DM Sans', sans-serif;
}

.stat-value {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 30px;
  font-weight: 400;
  color: var(--text);
  letter-spacing: -0.03em;
}

.stat-sub {
  font-size: 12px;
  color: var(--text-dim);
  margin-top: 6px;
  font-family: 'DM Sans', sans-serif;
}

/* ── LAYOUT ── */
.two-col   { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.three-col { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }

/* ── TABLES ── */
.table-wrap { overflow-x: auto; }

table { width: 100%; border-collapse: collapse; font-size: 13px; font-family: Arial, sans-serif; }
td, th { font-family: Arial, sans-serif; }
td.mono, td.right.mono { font-family: 'Courier New', monospace; }

th {
  background: transparent;
  padding: 12px 22px;
  text-align: left;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--text-dim);
  border-bottom: 1px solid var(--border);
  font-family: 'DM Sans', sans-serif;
}

th.right, td.right { text-align: right; }
th.num { text-align: right; }

td {
  padding: 14px 24px;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  font-size: 14px;
}

td.num { font-family: 'DM Mono', monospace; text-align: right; }
.mono   { font-family: 'DM Mono', monospace; }
td.mono { font-family: 'DM Mono', monospace; }
td.right.mono { font-family: 'DM Mono', monospace; text-align: right; }

tr:last-child td { border-bottom: none; }

tbody tr:hover td { background: var(--bg); }

tbody tr {
  border-left: 3px solid transparent;
  transition: border-left-color 0.12s;
}

tbody tr:hover {
  border-left-color: var(--gold-bright);
}

/* ── RETURN PILL BADGES ── */
.return-pill {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
  font-family: 'DM Sans', sans-serif;
  white-space: nowrap;
}

.return-pill.positive { background: var(--positive-bg); color: var(--positive); }
.return-pill.negative { background: var(--negative-bg); color: var(--negative); }
.return-pill.neutral  { background: var(--bg); color: var(--text-dim); border: 1px solid var(--border); }

/* ── PERIOD SELECTOR BUTTONS ── */
.period-btns { display: flex; gap: 6px; }

.period-btn {
  font-size: 12px;
  font-weight: 500;
  padding: 5px 12px;
  border-radius: 20px;
  border: 1px solid var(--border);
  background: transparent;
  color: var(--text-dim);
  cursor: pointer;
  font-family: inherit;
  transition: all 0.15s;
}

.period-btn:hover { color: var(--text); border-color: var(--text-dim); }

.period-btn.active {
  background: linear-gradient(135deg, var(--gold-bright), var(--gold));
  border-color: transparent;
  color: #1a1200;
  font-weight: 700;
  box-shadow: 0 2px 8px rgba(154,125,58,0.3);
}

/* ── POLICY DESCRIPTION BADGE ── */
.policy-desc-badge {
  background: var(--gold-bg);
  color: var(--gold-bright);
  border: 1px solid rgba(154,125,58,0.25);
  font-size: 12px;
  padding: 3px 10px;
  border-radius: 20px;
  cursor: pointer;
}

.policy-desc-badge:hover { border-color: var(--gold-bright); }

/* ── SECTION NOTE ── */
.section-note { font-size: 11px; color: var(--text-faint); }

/* ── TYPOGRAPHY UTILITIES ── */
.fund-name { font-weight: 600; font-size: 13.5px; }
.fund-code { font-size: 11px; color: var(--text-faint); margin-top: 2px; font-family: 'DM Mono', monospace; }
.review-date  { font-size: 13px; font-weight: 600; color: var(--gold); white-space: nowrap; font-family: 'DM Mono', monospace; }
.review-notes { font-size: 13px; color: var(--text-dim); line-height: 1.5; }
.review-info  { display: flex; align-items: center; gap: 10px; margin-bottom: 24px; flex-wrap: wrap; }
.review-info-text { font-size: 13px; color: var(--text-dim); }
.review-info-text strong { color: var(--text); font-weight: 600; }
.meta-text { font-size: 13px; color: var(--text-dim); }

/* ── SECTION DIVIDER ── */
.section-divider {
  height: 1px;
  background: linear-gradient(90deg, var(--gold-light), transparent);
  opacity: 0.2;
  margin: 4px 0 20px;
}

/* ── REVIEW STATUS BADGES ── */
.badge-overdue {
  background: var(--negative-bg);
  color: var(--negative);
  border: 1px solid rgba(217,48,37,0.25);
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  letter-spacing: 0.5px;
  display: inline-block;
}

.badge-soon {
  background: var(--gold-bg);
  color: var(--gold-bright);
  border: 1px solid rgba(154,125,58,0.25);
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  display: inline-block;
}

.badge-ok {
  background: var(--positive-bg);
  color: var(--positive);
  border: 1px solid rgba(26,158,92,0.25);
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  display: inline-block;
}

/* ── BADGES (generic) ── */
.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 20px;
  font-size: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

.badge-success { background: var(--positive-bg); color: var(--positive); border: 1px solid rgba(26,158,92,0.3); }
.badge-danger  { background: var(--negative-bg); color: var(--negative); border: 1px solid rgba(217,48,37,0.3); }
.badge-warning { background: var(--gold-bg);     color: var(--gold-bright); border: 1px solid rgba(154,125,58,0.3); }
.badge-info    { background: var(--blue-bg);     color: var(--blue); border: 1px solid rgba(59,111,212,0.3); }
.badge-muted   { background: var(--bg-3);        color: var(--text-dim); border: 1px solid var(--border); }
.badge-gold    { background: var(--gold-bg); color: var(--gold); border: 1px solid rgba(154,125,58,0.25); font-size: 11px; font-weight: 600; }
.badge-outline { border: 1px solid var(--border); color: var(--text-dim); background: var(--bg-2); font-size: 11px; font-weight: 600; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  font-size: 12px;
  font-weight: 500;
  cursor: pointer;
  border: none;
  transition: all 0.15s;
  text-decoration: none;
  letter-spacing: 0.2px;
  font-family: inherit;
}

.btn-primary {
  background: var(--text);
  color: var(--card);
  border: 1px solid var(--text);
  font-weight: 500;
}

.btn-primary:hover {
  background: var(--text-dim);
  border-color: var(--text-dim);
}
.btn-gold {
  background: var(--gold-bright);
  color: #fffaf1;
  border: 1px solid var(--gold-bright);
  font-weight: 500;
}
.btn-gold:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
}

.btn-outline {
  background: var(--card);
  color: var(--text);
  border: 1px solid var(--border-strong);
  font-weight: 500;
}

.btn-outline:hover {
  border-color: var(--text-dim);
  color: var(--text);
  background: var(--bg-3);
}
.btn-ghost {
  background: transparent;
  border: 1px solid transparent;
  color: var(--text-dim);
  font-weight: 500;
}
.btn-ghost:hover {
  color: var(--text);
  background: rgba(26,31,58,0.04);
}

.btn-danger {
  background: transparent;
  color: var(--negative);
  border: 1px solid rgba(217,48,37,0.35);
}

.btn-danger:hover {
  background: var(--negative-bg);
}

.btn-success { background: var(--positive); color: white; border: none; }
.btn-sm      { padding: 5px 11px; font-size: 11px; }
.btn-icon    { padding: 6px 10px; }

/* ── FORMS ── */
.form-group { margin-bottom: 16px; }

.form-label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  color: var(--text-dim);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

input, select, textarea {
  width: 100%;
  padding: 9px 12px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 13px;
  color: var(--text);
  background: var(--bg-3);
  transition: border-color 0.15s;
  font-family: inherit;
}

input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--gold-bright);
  box-shadow: 0 0 0 2px rgba(196,160,84,0.12);
}

select option { background: var(--bg-3); color: var(--text); }

.form-row   { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }

/* ── MODAL ── */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.65);
  z-index: 1000;
  align-items: center;
  justify-content: center;
  backdrop-filter: blur(4px);
}

.modal-overlay.open { display: flex; }

.modal {
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px;
  width: 90%;
  max-width: 680px;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  box-shadow: 0 20px 60px rgba(0,0,0,0.5);
}

.modal-lg { max-width: 960px; }

.modal-title {
  font-size: 18px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 24px;
  letter-spacing: -0.2px;
}

.modal-close {
  position: absolute;
  top: 20px; right: 20px;
  background: var(--bg-3);
  border: 1px solid var(--border);
  border-radius: 50%;
  width: 30px; height: 30px;
  cursor: pointer;
  font-size: 13px;
  color: var(--text-dim);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.15s;
}

.modal-close:hover { color: var(--gold-bright); border-color: var(--gold-bright); }

.modal-footer { margin-top: 24px; display: flex; gap: 10px; justify-content: flex-end; }

/* ── TABS ── */
.tabs {
  display: flex;
  gap: 0;
  border-bottom: 1px solid var(--border);
  margin-bottom: 20px;
}

.tab {
  padding: 9px 16px;
  cursor: pointer;
  font-size: 12px;
  font-weight: 500;
  color: var(--text-dim);
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  transition: all 0.15s;
  letter-spacing: 0.3px;
}

.tab:hover { color: var(--gold-bright); }
.tab.active { color: var(--gold-bright); border-bottom-color: var(--gold-bright); }

/* ── ALERTS ── */
.alert {
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  margin-bottom: 14px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.alert-warning { background: var(--gold-bg);       color: var(--gold-bright); border-left: 3px solid var(--gold-bright); }
.alert-danger  { background: var(--negative-bg);   color: var(--negative);    border-left: 3px solid var(--negative); }
.alert-info    { background: var(--blue-bg);        color: var(--blue);        border-left: 3px solid var(--blue); }
.alert-success { background: var(--positive-bg);   color: var(--positive);    border-left: 3px solid var(--positive); }
.alert-gold    { background: var(--gold-bg);        color: var(--gold-bright); border-left: 3px solid var(--gold-bright); }

/* ── RETURN COLORS ── */
.positive { color: var(--positive); }
.negative { color: var(--negative); }
.warning  { color: var(--gold-bright); }
.neutral  { color: var(--text-dim); }

/* ── BREADCRUMB ── */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  margin-bottom: 20px;
  color: var(--text-dim);
}

.breadcrumb a {
  color: var(--gold-dim);
  text-decoration: none;
  cursor: pointer;
  transition: color 0.15s;
}

.breadcrumb a:hover { color: var(--gold-bright); }
.breadcrumb span { color: var(--border); }

/* ── NEWS ── */
.news-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  background: var(--bg-3);
  margin-bottom: 10px;
  transition: border-color 0.15s;
}

.news-card:hover { border-color: var(--gold-dim); }
.news-card .news-source { font-size: 10px; text-transform: uppercase; letter-spacing: 1px; color: var(--gold-bright); font-weight: 600; margin-bottom: 6px; }
.news-card .news-headline { font-size: 13px; font-weight: 400; color: var(--text); line-height: 1.5; margin-bottom: 6px; }
.news-card .news-headline a { color: inherit; text-decoration: none; }
.news-card .news-headline a:hover { color: var(--gold-bright); }
.news-card .news-time { font-size: 11px; color: var(--text-dim); }

/* ── UPLOAD ZONE ── */
.upload-zone {
  border: 1px dashed rgba(154,125,58,0.4);
  border-radius: var(--radius);
  padding: 48px;
  text-align: center;
  cursor: pointer;
  transition: all 0.2s;
  background: var(--gold-bg);
}

.upload-zone:hover, .upload-zone.drag-over {
  border-color: var(--gold-bright);
  background: rgba(154,125,58,0.08);
}

.upload-zone .upload-icon { margin-bottom: 12px; display: flex; justify-content: center; }
.upload-zone p { color: var(--text-dim); font-size: 13px; }
.upload-zone strong { color: var(--gold-bright); }

/* ── METRICS ROW (legacy, kept) ── */
.metrics-row { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 20px; }

.metric-box {
  flex: 1;
  min-width: 130px;
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px 20px;
}

.metric-box .m-label {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--text-faint);
  font-weight: 700;
  margin-bottom: 8px;
  font-family: 'DM Sans', sans-serif;
}

.metric-box .m-value {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 22px;
  font-weight: 400;
  color: var(--text);
  letter-spacing: -0.02em;
}

.metric-box .m-sub { font-size: 12px; color: var(--text-dim); margin-top: 4px; font-family: 'DM Sans', sans-serif; }

/* ── CHART ── */
.chart-container { position: relative; height: 260px; padding: 0 4px 4px; }

/* ── ALERT ROW (fund switch) ── */
.alert-row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px;
  border-radius: var(--radius-sm);
  background: var(--bg-3);
  border: 1px solid var(--border);
  margin-bottom: 8px;
}

.alert-row .alert-body { flex: 1; }
.alert-row .alert-title { font-size: 13px; font-weight: 500; color: var(--text); }
.alert-row .alert-desc  { font-size: 12px; color: var(--text-dim); margin-top: 3px; }

/* ── ALERT DOTS ── */
.alert-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 2px;
}

.alert-dot-danger  { background: var(--negative);    box-shadow: 0 0 6px rgba(217,48,37,0.5); }
.alert-dot-warning { background: var(--gold-bright); box-shadow: 0 0 6px rgba(196,160,84,0.4); }
.alert-dot-info    { background: var(--text-dim); }

/* ── LOADING ── */
.loading {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 40px;
  color: var(--text-dim);
  gap: 12px;
}

.spinner {
  width: 18px; height: 18px;
  border: 2px solid var(--border);
  border-top-color: var(--gold-bright);
  border-radius: 50%;
  animation: spin 0.6s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

/* ── REVIEW STATUS (inline colors) ── */
.review-overdue { color: var(--negative); }
.review-soon    { color: var(--gold-bright); }
.review-ok      { color: var(--positive); }

/* ── SETTINGS ── */
.settings-section { border-bottom: 1px solid var(--border); padding-bottom: 28px; margin-bottom: 28px; }
.settings-section:last-child { border-bottom: none; }
.settings-title {
  font-size: 16px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 4px;
}
.settings-sub { font-size: 13px; color: var(--text-dim); margin-bottom: 16px; }

/* ── EMPTY STATE ── */
.empty-state { text-align: center; padding: 60px 20px; color: var(--text-dim); }
.empty-state .empty-icon { margin-bottom: 16px; opacity: 0.5; display: flex; justify-content: center; }
.empty-state h3 { font-size: 16px; font-weight: 600; color: var(--text); margin-bottom: 8px; }
.empty-state p { font-size: 13px; }

/* ── THEME TOGGLE ── */

/* Day/night pill toggle */
.theme-toggle-pill {
  width: 64px;
  height: 32px;
  border-radius: 16px;
  border: none;
  cursor: pointer;
  position: relative;
  overflow: hidden;
  padding: 0;
  flex-shrink: 0;
  transition: background 0.4s ease, box-shadow 0.3s;
}

[data-theme="light"] .theme-toggle-pill {
  background: linear-gradient(120deg, #6cc4e8 0%, #a8ddf5 55%, #d4eef9 100%);
  box-shadow:
    inset 0 4px 4px rgba(30,80,120,0.6),
    inset 4px 0 4px rgba(30,80,120,0.4),
    inset 0 -3px 4px rgba(255,255,255,0.85),
    inset -3px 0 4px rgba(255,255,255,0.6),
    0 1px 2px rgba(0,0,0,0.08);
}

[data-theme="dark"] .theme-toggle-pill {
  background: linear-gradient(120deg, #0c0a1e 0%, #161230 55%, #1e1840 100%);
  box-shadow:
    inset 0 4px 5px rgba(0,0,0,1),
    inset 4px 0 5px rgba(0,0,0,0.85),
    inset 0 -2px 4px rgba(70,60,130,0.35),
    inset -2px 0 4px rgba(70,60,130,0.2),
    0 1px 2px rgba(0,0,0,0.5);
}

/* Stars: 4 total — 2 bright, 2 dim (dark mode only) */
.theme-toggle-pill::before {
  content: '';
  position: absolute;
  width: 2.5px;
  height: 2.5px;
  border-radius: 50%;
  background: rgba(255,255,255,0.95);   /* star 1: bright */
  left: 7px;
  top: 8px;
  box-shadow:
    13px 11px 0 1px   rgba(255,255,255,0.92),  /* star 2: bright, bigger */
     9px  -2px 0 -0.5px rgba(255,255,255,0.38), /* star 3: dim, tiny */
    17px  19px 0 0    rgba(255,255,255,0.40);   /* star 4: dim */
  opacity: 0;
  transition: opacity 0.35s;
  pointer-events: none;
}

[data-theme="dark"] .theme-toggle-pill::before { opacity: 1; }

/* Cloud: fluffy multi-bump, stays in right third of pill (light mode only) */
.theme-toggle-pill::after {
  content: '';
  position: absolute;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,0.93);
  right: 4px;
  bottom: 5px;
  box-shadow:
    -6px   2px 0  6px rgba(255,255,255,0.91),  /* base body */
    -3px  -7px 0  3px rgba(255,255,255,0.90),  /* top-right puff */
   -10px  -6px 0  4px rgba(255,255,255,0.88),  /* top-centre puff */
   -13px   1px 0  3px rgba(255,255,255,0.85);  /* left extension */
  opacity: 0;
  transition: opacity 0.35s;
  pointer-events: none;
  z-index: 0;
}

[data-theme="light"] .theme-toggle-pill::after { opacity: 1; }

/* Thumb (sun/moon) — z-index ensures it renders above ::after cloud */
.ttp-thumb {
  position: absolute;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  top: 3px;
  left: 3px;
  z-index: 1;
  transition: transform 0.38s cubic-bezier(0.4, 0, 0.2, 1),
              background 0.35s ease,
              box-shadow 0.35s ease;
}

[data-theme="light"] .ttp-thumb {
  transform: translateX(0);
  background: radial-gradient(circle at 38% 36%, #ffe566, #ffb800 70%);
  box-shadow:
    0 4px 5px rgba(130,70,0,0.7),
    0 1px 2px rgba(0,0,0,0.4),
    inset 0 3px 3px rgba(255,245,150,0.7),
    inset 0 -2px 3px rgba(180,100,0,0.35),
    0 0 0 1.5px rgba(255,210,0,0.3);
}

[data-theme="dark"] .ttp-thumb {
  transform: translateX(32px);
  background: radial-gradient(circle at 38% 36%, #f4f4f4, #c8c8c8 70%);
  box-shadow:
    0 4px 6px rgba(0,0,0,0.9),
    0 1px 2px rgba(0,0,0,0.7),
    inset 0 3px 3px rgba(255,255,255,0.5),
    inset 0 -2px 3px rgba(0,0,0,0.2);
}

/* Sun glow halo (light) / Moon crater 1 (dark) */
.ttp-thumb::before {
  content: '';
  position: absolute;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: rgba(0,0,0,0.1);
  top: 6px;
  right: 4px;
  opacity: 0;
  transition: opacity 0.3s, width 0.3s, height 0.3s, background 0.3s, border 0.3s, top 0.3s, left 0.3s;
}

[data-theme="dark"] .ttp-thumb::before { opacity: 1; }

[data-theme="light"] .ttp-thumb::before {
  width: calc(100% + 8px);
  height: calc(100% + 8px);
  top: -4px;
  left: -4px;
  right: auto;
  background: transparent;
  border: 2px solid rgba(255,210,0,0.28);
  opacity: 1;
}

/* Moon crater 2 (dark only) */
.ttp-thumb::after {
  content: '';
  position: absolute;
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: rgba(0,0,0,0.08);
  bottom: 6px;
  right: 8px;
  opacity: 0;
  transition: opacity 0.3s;
}

[data-theme="dark"] .ttp-thumb::after { opacity: 1; }

/* Settings gear button (kept separate) */
.theme-toggle {
  background: transparent;
  border: 1px solid var(--border);
  color: var(--text-dim);
  border-radius: 50%;
  width: 32px;
  height: 32px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s;
  flex-shrink: 0;
}

.theme-toggle:hover {
  border-color: var(--gold-bright);
  color: var(--gold-bright);
}

/* ── SCROLLBAR ── */
::-webkit-scrollbar { width: 4px; height: 4px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--border); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--gold-dim); }

/* ── PRINT ── */
/* Print header — logo on every printed page */
.print-header {
  display: none;
}

@media print {
  .print-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 0 14px 0;
    margin-bottom: 20px;
    border-bottom: 1.5px solid #c4a054;
  }
  .print-header img {
    height: 36px;
    width: auto;
    object-fit: contain;
  }
  .print-header-right {
    text-align: right;
    font-size: 11px;
    color: #888;
    line-height: 1.6;
  }

  #sidebar { display: none !important; }
  #main { margin-left: 0 !important; }
  .no-print { display: none !important; }
  .page-content { padding: 0; }
  .page-header { display: none; }
  body { background: white; color: black; }
  .card { background: white; border: 1px solid #ddd; break-inside: avoid; box-shadow: none; }
  .metric-card { background: white; border: 1px solid #ddd; box-shadow: none; break-inside: avoid; }
  .card-title { color: #1a1a1a; }
  td, th { color: #1a1a1a !important; border-color: #ddd !important; }
  .positive { color: #15803d !important; }
  .negative { color: #dc2626 !important; }
  .warning  { color: #92600a !important; }
  .stat-value, .metric-box .m-value, .mc-value { color: #1a1a1a !important; }
  .badge-success { color: #15803d; background: #dcfce7; }
  .badge-danger  { color: #dc2626; background: #fee2e2; }
  .return-pill.positive { color: #15803d; background: #dcfce7; }
  .return-pill.negative { color: #dc2626; background: #fee2e2; }
}

/* ── RETIREMENT SIMULATOR ── */
.sim-wrap {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 24px;
  padding: 40px 44px 48px;
  background: #fffdfa;
  border-radius: 22px;
  border: 1px solid var(--border);
  box-shadow: 0 4px 28px rgba(0,0,0,0.06);
}
[data-theme="dark"] .sim-wrap {
  background: var(--card-bg);
}

/* Progress strip */
.sim-progress-strip {
  display: flex;
  align-items: flex-start;
  gap: 0;
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  padding: 16px 20px;
  flex-wrap: wrap;
  gap: 8px 0;
}
.sim-prog-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  flex: 1;
  min-width: 60px;
  position: relative;
}
.sim-prog-item:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 12px;
  right: -50%;
  width: 100%;
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.sim-prog-item.done:not(:last-child)::after { background: var(--gold-bright); }
.sim-prog-dot {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--surface);
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  font-weight: 600;
  color: var(--text-dim);
  position: relative;
  z-index: 1;
  transition: all 0.2s;
}
.sim-prog-item.done .sim-prog-dot {
  background: var(--gold-bright);
  border-color: var(--gold-bright);
  color: #1a1200;
}
.sim-prog-item.active .sim-prog-dot {
  background: var(--card-bg);
  border-color: var(--gold-bright);
  color: var(--gold-bright);
  box-shadow: 0 0 0 3px rgba(196,160,84,0.2);
}
.sim-prog-label {
  font-size: 10px;
  color: var(--text-dim);
  text-align: center;
  white-space: nowrap;
}
.sim-prog-item.active .sim-prog-label { color: var(--gold-bright); font-weight: 600; }
.sim-prog-item.done .sim-prog-label  { color: var(--text-main); }

/* Running total bar */
.sim-running-total {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 20px;
}
.srt-label { font-size: 13px; color: var(--text-dim); }
.srt-right  { display: flex; align-items: center; gap: 10px; }
.srt-amount {
  font-size: 22px;
  font-weight: 500;
  color: var(--gold-bright);
  font-family: 'Fraunces', Georgia, serif;
  font-feature-settings: 'ss01';
  letter-spacing: -0.02em;
  transition: filter 0.2s;
}
.srt-amount.srt-masked {
  color: var(--text-dim);
  font-size: 18px;
  letter-spacing: 4px;
}
.srt-eye {
  background: none;
  border: none;
  cursor: pointer;
  color: var(--text-dim);
  font-size: 18px;
  padding: 4px 6px;
  border-radius: 6px;
  display: flex;
  align-items: center;
  transition: color 0.15s, background 0.15s;
}
.srt-eye:hover { color: var(--gold-bright); background: rgba(196,160,84,0.08); }
.srt-unit { font-size: 13px; font-weight: 400; color: var(--text-dim); }

/* Step header */
.sim-step-body { display: flex; flex-direction: column; gap: 0; }
.sim-step-header { margin-bottom: 24px; }
.sim-step-title {
  font-size: 22px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 6px;
  font-family: 'DM Sans', sans-serif;
}
.sim-step-sub { font-size: 15px; font-weight: 600; color: var(--text-dim); }

/* Choice cards grid */
.choice-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.choice-card {
  background: var(--card-bg);
  border: 2px solid var(--border);
  border-radius: 14px;
  padding: 24px 20px;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  text-align: center;
  transition: border-color 0.15s, box-shadow 0.15s, transform 0.1s;
}
.choice-card:hover {
  border-color: var(--gold-bright);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(196,160,84,0.15);
}
.choice-card.selected {
  border-color: var(--gold-bright);
  background: rgba(196,160,84,0.06);
  box-shadow: 0 0 0 4px rgba(196,160,84,0.12);
}
.choice-icon-i {
  font-size: 34px;
  color: var(--gold-bright);
  display: block;
  line-height: 1;
  margin-bottom: 2px;
  opacity: 0.9;
  transition: opacity 0.15s;
}
.choice-card.selected .choice-icon-i { opacity: 1; }
.choice-label { font-size: 15px; font-weight: 700; color: var(--text-main); }
.choice-desc  { font-size: 12px; color: var(--text-dim); line-height: 1.4; }
.choice-cost  {
  font-size: 14px;
  font-weight: 500;
  color: var(--gold-bright);
  font-family: 'Fraunces', Georgia, serif;
  font-feature-settings: 'ss01';
  letter-spacing: -0.01em;
  margin-top: 6px;
}
.choice-card.selected .choice-cost { color: var(--gold-bright); }
/* Dimmed state when custom amount overrides cards */
.choice-card.choice-card-dimmed {
  opacity: 0.38;
  pointer-events: none;
}

/* Custom amount row */
.sim-custom-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 20px;
  background: var(--bg);
  border: 1px dashed var(--border);
  border-radius: 10px;
  margin-top: 6px;
  flex-wrap: wrap;
}
.sim-custom-label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: var(--text-dim);
  flex: 1;
  min-width: 140px;
}
.sim-custom-hint { color: var(--text-dim); opacity: 0.7; }
.sim-custom-input-wrap {
  display: flex;
  align-items: center;
  gap: 0;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  background: var(--card-bg);
}
.sim-custom-input-wrap:focus-within {
  border-color: var(--gold-bright);
  box-shadow: 0 0 0 2px rgba(196,160,84,0.15);
}
.sim-custom-prefix {
  padding: 0 10px;
  font-size: 13px;
  color: var(--text-dim);
  background: var(--bg);
  border-right: 1px solid var(--border);
  line-height: 38px;
  white-space: nowrap;
}
.sim-custom-inp {
  border: none !important;
  border-radius: 0 !important;
  width: 130px;
  padding: 8px 10px !important;
  background: transparent !important;
  box-shadow: none !important;
}
.sim-custom-inp:focus { outline: none; }
.sim-custom-clear {
  padding: 0 10px;
  background: transparent;
  border: none;
  border-left: 1px solid var(--border);
  color: var(--text-dim);
  cursor: pointer;
  font-size: 12px;
  line-height: 38px;
  transition: color 0.1s;
}
.sim-custom-clear:hover { color: var(--text-main); }

/* Assumptions summary (collapsible) */
.sim-assump-summary {
  padding: 14px 20px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dim);
  list-style: none;
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  user-select: none;
}
.sim-assump-summary::-webkit-details-marker { display: none; }
.sim-assump-summary:hover { color: var(--text-main); }
details.sim-card[open] .sim-assump-summary .ti-chevron-down {
  transform: rotate(180deg);
}
.ti-chevron-down { transition: transform 0.2s; }

/* Done step dots are clickable */
.sim-prog-item.done { cursor: pointer; }
.sim-prog-item.done:hover .sim-prog-dot {
  transform: scale(1.12);
  box-shadow: 0 0 0 3px rgba(196,160,84,0.25);
}
.sim-prog-item.done:hover .sim-prog-label { color: var(--gold-bright); }

/* Ages step */
.sim-age-grid {
  display: flex;
  flex-direction: column;
  gap: 24px;
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px;
}
.sim-slider-group { display: flex; flex-direction: column; gap: 10px; }
.sim-slider-labels {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
  color: var(--text-dim);
}
.sim-slider-labels span { font-weight: 700; color: var(--text); font-family: 'DM Sans', sans-serif; }
.sim-slider-labels strong { font-size: 22px; font-weight: 400; color: var(--gold-bright); font-family: 'Fraunces', Georgia, serif; font-feature-settings: 'ss01'; letter-spacing: -0.02em; }
.sim-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 3px;
  background: var(--border);
  outline: none;
  cursor: pointer;
}
.sim-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold-bright);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(196,160,84,0.4);
  transition: transform 0.1s;
}
.sim-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.sim-timeline-summary {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  background: rgba(196,160,84,0.06);
  border: 1px solid rgba(196,160,84,0.2);
  border-radius: 10px;
  font-size: 15px;
  color: var(--text-main);
}
.sim-tl-pill { display: flex; align-items: center; gap: 6px; }
.sim-tl-pill span { font-size: 22px; font-weight: 400; color: var(--gold-bright); font-family: 'Fraunces', Georgia, serif; font-feature-settings: 'ss01'; letter-spacing: -0.02em; }
.sim-tl-sep { color: var(--text-dim); }

/* Financial step */
.sim-financial-form {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.sim-fin-section {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-dim);
  padding-bottom: 8px;
  border-bottom: 2px solid var(--border);
  margin-top: 4px;
  font-family: 'DM Sans', sans-serif;
}
.sim-field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.sim-field-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.sim-field-group label { font-size: 13px; font-weight: 600; color: var(--text-main); }
.sim-field-group small { font-size: 11px; color: var(--text-dim); }
.sim-input {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 12px;
  font-size: 14px;
  color: var(--text-main);
  font-family: inherit;
  outline: none;
  transition: border-color 0.15s;
  width: 100%;
  box-sizing: border-box;
}
.sim-input:focus { border-color: var(--gold-bright); }

.sim-cpf-toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.sim-cpf-fields {
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding: 16px 20px;
  background: rgba(196,160,84,0.04);
  border: 1px solid rgba(196,160,84,0.15);
  border-radius: 10px;
}

/* Toggle switch (reuse from settings if exists, else define here) */
.toggle-switch { position: relative; display: inline-block; width: 44px; height: 24px; flex-shrink: 0; }
.toggle-switch input { opacity: 0; width: 0; height: 0; }
.toggle-slider {
  position: absolute; cursor: pointer; top: 0; left: 0; right: 0; bottom: 0;
  background: var(--border); border-radius: 24px; transition: 0.2s;
}
.toggle-slider::before {
  content: ''; position: absolute; width: 18px; height: 18px;
  left: 3px; bottom: 3px; background: white; border-radius: 50%; transition: 0.2s;
}
.toggle-switch input:checked + .toggle-slider { background: var(--gold-bright); }
.toggle-switch input:checked + .toggle-slider::before { transform: translateX(20px); }

/* Navigation */
.sim-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0;
}
.sim-next-btn:disabled { opacity: 0.4; cursor: not-allowed; }

/* Results */
.sim-results-wrap { display: flex; flex-direction: column; gap: 20px; }
.sim-card { border-radius: 14px; }
.sim-card-warn { border-color: var(--warning) !important; }
.sim-card-ok   { border-color: var(--positive) !important; }
.sim-method-btns { display: flex; gap: 6px; }

.sim-breakdown { display: flex; flex-direction: column; gap: 0; }
.sim-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 0;
  font-size: 14px;
  color: var(--text-main);
  border-bottom: 1px solid var(--border);
}
.sim-breakdown-row:last-child { border-bottom: none; }
.sim-breakdown-row.muted { color: var(--text-dim); font-size: 13px; }
.sim-breakdown-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  font-size: 15px;
  font-weight: 700;
  border-top: 2px solid var(--border);
  border-bottom: 1px solid var(--border);
  color: var(--text-main);
  margin-top: 4px;
}
.sim-breakdown-total.positive { color: var(--positive); }
.sim-breakdown-total.negative { color: var(--negative); }

.sim-corpus-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
}
.sim-corpus-block {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 16px 18px;
}
.sim-corpus-title  { font-size: 12px; font-weight: 600; color: var(--text-dim); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 6px; }
.sim-corpus-amount { font-size: 26px; font-weight: 400; color: var(--gold-bright); font-family: 'Fraunces', Georgia, serif; font-feature-settings: 'ss01'; letter-spacing: -0.02em; }
.sim-corpus-note   { font-size: 11px; color: var(--text-dim); margin-top: 4px; }

.sim-gap-ok { display: flex; flex-direction: column; align-items: center; gap: 8px; padding: 20px; text-align: center; }
.sim-gap-emoji      { font-size: 36px; }
.sim-gap-ok-title   { font-size: 18px; font-weight: 700; color: var(--positive); }
.sim-gap-ok-sub     { font-size: 13px; color: var(--text-dim); max-width: 340px; }

.sim-gap-row-grid   { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.sim-gap-block { background: var(--surface); border: 1px solid var(--border); border-radius: 10px; padding: 16px 18px; }
.sim-gap-block.ok   { border-color: var(--positive); background: rgba(21,128,61,0.04); }
.sim-gap-block.warn { border-color: var(--warning);  background: rgba(202,138,4,0.04); }
.sim-gap-block-title { font-size: 12px; font-weight: 600; color: var(--text-dim); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 6px; }
.sim-gap-block-value { font-size: 24px; font-weight: 400; font-family: 'Fraunces', Georgia, serif; font-feature-settings: 'ss01'; letter-spacing: -0.02em; }
.sim-gap-pmt         { font-size: 12px; color: var(--text-dim); margin-top: 6px; }

.sim-assumptions-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.sim-assump-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 10px 12px;
  background: var(--surface);
  border-radius: 8px;
  border: 1px solid var(--border);
}
.sim-assump-item span { font-size: 11px; color: var(--text-dim); }
.sim-assump-item strong { font-size: 15px; font-weight: 700; color: var(--text-main); }

.sim-save-row { display: flex; gap: 10px; align-items: center; flex-wrap: wrap; }

/* Children/Parents counter */
.sim-count-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-top: 16px;
  padding: 20px 28px;
  background: rgba(196,160,84,0.05);
  border: 1px solid rgba(196,160,84,0.2);
  border-radius: 14px;
  flex-wrap: wrap;
  transition: opacity 0.2s;
}
.sim-count-wrap.sim-count-disabled {
  opacity: 0.4;
  pointer-events: none;
  border-color: var(--border);
  background: var(--surface);
}
.sim-count-label { font-size: 15px; font-weight: 700; color: var(--text-main); }
.sim-counter-row { display: flex; align-items: center; gap: 20px; }
.sim-count-btn {
  width: 48px; height: 48px;
  border-radius: 50%;
  border: 2px solid var(--gold-bright);
  background: none;
  color: var(--gold-bright);
  font-size: 26px;
  font-weight: 700;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background 0.15s, transform 0.1s;
  line-height: 1;
}
.sim-count-btn:hover:not(:disabled) { background: rgba(196,160,84,0.12); transform: scale(1.08); }
.sim-count-btn:disabled { opacity: 0.25; cursor: not-allowed; }
.sim-count-val {
  font-size: 42px; font-weight: 400; color: var(--gold-bright);
  min-width: 48px; text-align: center;
  font-family: 'Fraunces', Georgia, serif;
  font-feature-settings: 'ss01';
  letter-spacing: -0.02em;
  line-height: 1;
}
.sim-count-note { font-size: 13px; color: var(--text-dim); text-align: right; }
.sim-count-note strong { color: var(--text-main); font-size: 15px; }

/* Results — live adjuster bar */
.sim-adjuster-bar {
  display: flex;
  align-items: center;
  gap: 0;
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}
.sim-adj-item {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 14px 16px;
}
.sim-adj-sep { width: 1px; background: var(--border); align-self: stretch; flex-shrink: 0; }
.sim-adj-label { font-size: 11px; font-weight: 600; color: var(--text-dim); text-transform: uppercase; letter-spacing: 0.5px; white-space: nowrap; }
.sim-adj-ctrl  { display: flex; align-items: center; gap: 12px; }
.sim-adj-btn {
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  background: var(--surface);
  color: var(--text-main);
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: border-color 0.15s, color 0.15s;
  line-height: 1;
}
.sim-adj-btn:hover { border-color: var(--gold-bright); color: var(--gold-bright); }
.sim-adj-val {
  font-size: 20px; font-weight: 400; color: var(--gold-bright);
  font-family: 'Fraunces', Georgia, serif;
  font-feature-settings: 'ss01';
  letter-spacing: -0.02em;
  min-width: 50px; text-align: center;
}
.sim-adj-disabled { opacity: 0.45; }
.sim-adj-disabled .sim-adj-val { color: var(--text-dim); }

/* Results page — centre all card headers */
.sim-card .card-header { justify-content: center; text-align: center; }
.sim-card .card-header .sim-method-btns { margin-left: auto; }

/* ★ Invest Now card */
.sim-invest-card { border-color: var(--gold-bright) !important; }
.sim-invest-now {
  padding: 20px 0 24px;
  border-bottom: 1px solid var(--border);
}
.sim-invest-label {
  font-size: 12px; font-weight: 600; text-transform: uppercase;
  letter-spacing: 1px; color: var(--text-dim); margin-bottom: 8px;
}
.sim-invest-amount {
  font-size: 52px; font-weight: 400; color: var(--gold-bright);
  font-family: 'Fraunces', Georgia, serif;
  font-feature-settings: 'ss01';
  letter-spacing: -0.03em; line-height: 1;
}
.sim-invest-unit { font-size: 18px; font-weight: 500; color: var(--text-dim); }

/* Delay calculator */
.sim-delay-wrap { padding-top: 20px; }
.sim-delay-header {
  display: flex; align-items: center;
  justify-content: space-between; gap: 16px;
  margin-bottom: 16px; flex-wrap: wrap;
}
.sim-delay-title { font-size: 15px; font-weight: 700; color: var(--text-main); }
.sim-delay-sub   { font-size: 12px; color: var(--text-dim); margin-top: 2px; }
.sim-delay-ctrl  { display: flex; align-items: center; gap: 12px; }
.sim-delay-val   { display: flex; flex-direction: column; align-items: center; min-width: 44px; }
.sim-delay-num   { font-size: 32px; font-weight: 400; color: var(--gold-bright); line-height: 1; font-family: 'Fraunces', Georgia, serif; font-feature-settings: 'ss01'; letter-spacing: -0.02em; }
.sim-delay-yr    { font-size: 11px; color: var(--text-dim); }

.sim-delay-result { display: flex; flex-direction: column; gap: 0; }
.sim-delay-result-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 0; font-size: 14px; color: var(--text-main);
  border-bottom: 1px solid var(--border);
}
.sim-delay-urgency {
  display: flex; align-items: flex-start; gap: 10px;
  margin-top: 14px; padding: 14px 16px;
  background: rgba(220,38,38,0.06);
  border: 1px solid rgba(220,38,38,0.2);
  border-radius: 10px;
  font-size: 13px; color: var(--text-main); line-height: 1.5;
  color: var(--text-main);
}
.sim-delay-urgency i { color: var(--negative); margin-top: 1px; }
.sim-delay-zero {
  display: flex; align-items: center; gap: 10px;
  font-size: 13px; color: var(--text-dim);
  padding: 12px 0;
}

/* Inflation toggle row on results page */
.sim-inflation-toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 20px;
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 10px;
}
.sim-inflation-toggle-row strong { font-size: 14px; font-weight: 600; color: var(--text-main); }
.sim-infl-sub { font-size: 12px; color: var(--text-dim); margin-top: 3px; line-height: 1.4; }
.sim-infl-sub strong { font-weight: 600; color: var(--text-main); }

/* ── SIM SETTINGS (Lifestyle Card Editor) ── */
.sim-settings-accordion {
  border: 1px solid var(--border);
  border-radius: 10px;
  margin-bottom: 8px;
  overflow: hidden;
}
.sim-settings-accordion[open] {
  border-color: rgba(196,160,84,0.3);
}
.sim-settings-acc-hd {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 16px;
  cursor: pointer;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-main);
  background: var(--card-bg);
  list-style: none;
  user-select: none;
}
.sim-settings-acc-hd::-webkit-details-marker { display: none; }
.sim-settings-acc-hd:hover { background: var(--hover-bg, rgba(255,255,255,0.03)); }
.sim-settings-cat-icon {
  font-size: 16px;
  color: var(--gold-bright);
  width: 20px;
  text-align: center;
}
.sim-settings-acc-caret {
  margin-left: auto;
  font-size: 14px;
  color: var(--text-dim);
  transition: transform 0.2s;
}
.sim-settings-accordion[open] .sim-settings-acc-caret {
  transform: rotate(180deg);
}
.sim-settings-saved-badge {
  font-size: 11px;
  font-weight: 600;
  color: #4ade80;
  margin-left: 4px;
}
.sim-settings-acc-body {
  padding: 0 16px 16px;
  background: var(--card-bg);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.sim-settings-card-row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
}
.sim-settings-card-num {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(196,160,84,0.12);
  color: var(--gold-bright);
  font-size: 11px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 28px;
}
.sim-settings-card-icon {
  font-size: 20px;
  color: var(--text-dim);
  margin-top: 26px;
  flex-shrink: 0;
  width: 24px;
  text-align: center;
}
.sim-settings-fields { flex: 1; }
.sim-settings-field-row {
  display: grid;
  grid-template-columns: 1fr 2fr 130px;
  gap: 10px;
  align-items: end;
}
.sim-settings-field { display: flex; flex-direction: column; gap: 4px; }
.sim-settings-field-wide { }
.sim-settings-field-amt { }
.sim-settings-label {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-dim);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.sim-settings-input {
  padding: 7px 10px;
  border-radius: 6px;
  border: 1px solid var(--border);
  background: var(--input-bg, var(--card-bg));
  color: var(--text-main);
  font-size: 13px;
  font-family: 'DM Sans', sans-serif;
  width: 100%;
  transition: border-color 0.15s;
}
.sim-settings-input:focus {
  outline: none;
  border-color: var(--gold-bright);
  box-shadow: 0 0 0 2px rgba(196,160,84,0.12);
}
.sim-settings-input:disabled {
  opacity: 0.4;
  cursor: not-allowed;
}
.sim-settings-monthly-hint {
  font-size: 11px;
  color: var(--text-dim);
  margin-top: 3px;
  text-align: right;
}

/* ── CPF LIFE CALCULATOR ── */
.cpfl-page, .c2-page { display: flex; flex-direction: column; gap: 24px; max-width: 900px; margin: 0 auto; }

/* ── CPF Life v2 — colored step cards (from design handoff) ── */

.c2-step {
  border-radius: 24px;
  padding: 26px 28px 28px;
  position: relative;
  overflow: hidden;
  box-shadow: 0 1px 0 rgba(255,255,255,0.6) inset, 0 14px 30px -18px rgba(26,31,58,0.18);
}
.c2-step.about { background: var(--sky);    color: var(--sky-ink); }
.c2-step.today { background: var(--butter); color: var(--butter-ink); }
.c2-step.goal  { background: var(--lilac);  color: var(--lilac-ink); }

/* decorative blobs */
.c2-step::after, .c2-step::before {
  content: ''; position: absolute; border-radius: 50%; pointer-events: none;
}
.c2-step::after  { width: 200px; height: 200px; top: -60px; right: -60px; opacity: 0.16; }
.c2-step::before { width: 110px; height: 110px; bottom: -30px; right: 70px; opacity: 0.10; }
.c2-step.about::after, .c2-step.about::before { background: #2563eb; }
.c2-step.today::after, .c2-step.today::before { background: #c4861f; }
.c2-step.goal::after,  .c2-step.goal::before  { background: #6b4dc4; }

/* step header */
.c2-step-head { display: flex; align-items: center; gap: 12px; margin-bottom: 4px; position: relative; }
.c2-step-num {
  width: 30px; height: 30px; border-radius: 50%; flex-shrink: 0;
  color: #fff; font-weight: 700; font-size: 14px;
  display: grid; place-items: center;
}
.c2-step.about .c2-step-num { background: #2563eb; }
.c2-step.today .c2-step-num { background: #c4861f; }
.c2-step.goal  .c2-step-num { background: #6b4dc4; }
.c2-step-title {
  font-family: 'Fraunces', Georgia, serif; font-size: 24px;
  font-weight: 500; letter-spacing: -0.015em;
  color: var(--text); line-height: 1.1;
}
.c2-step-sub {
  font-size: 12.5px; line-height: 1.55; margin: 6px 0 20px;
  max-width: 58ch; position: relative; opacity: 0.8; font-weight: 500;
}

/* field layout */
.c2-field-row { display: grid; gap: 14px; position: relative; }
.c2-field-row.cols-3 { grid-template-columns: 1fr 1fr 1fr; }
.c2-field-row.cols-2 { grid-template-columns: 1fr 1fr; }
.c2-field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.c2-field-l {
  font-size: 11px; font-weight: 600; letter-spacing: 0.06em;
  text-transform: uppercase; opacity: 0.78;
}
.c2-field-input {
  padding: 11px 14px; border-radius: 11px;
  border: 1.5px solid rgba(26,31,58,0.10);
  background: rgba(255,255,255,0.75);
  font-family: 'Fraunces', Georgia, serif; font-size: 20px;
  font-weight: 500; color: var(--text); outline: none;
  letter-spacing: -0.01em; width: 100%; box-sizing: border-box;
  -webkit-appearance: none; appearance: none;
}
.c2-field-input:focus { background: rgba(255,255,255,0.95); border-color: rgba(26,31,58,0.25); }
.c2-field-input.mono  { font-family: 'DM Mono', monospace; font-size: 17px; letter-spacing: 0; }
.c2-field-input.sm    { font-size: 15px; padding: 8px 12px; }
.c2-field-hint { font-size: 11px; opacity: 0.75; font-weight: 500; }

/* segmented pill control */
.c2-seg {
  display: inline-flex; padding: 3px; width: fit-content;
  background: rgba(255,255,255,0.6); border-radius: 999px;
  border: 1.5px solid rgba(26,31,58,0.08);
}
.c2-seg button {
  padding: 7px 16px; border-radius: 999px; cursor: pointer;
  font-family: inherit; font-size: 13px; font-weight: 600;
  color: var(--text-dim); background: transparent; border: 0;
  display: inline-flex; align-items: center; gap: 6px;
  transition: background 0.12s;
}
.c2-seg button.on.about { background: #2563eb; color: #fff; box-shadow: 0 3px 10px -3px rgba(37,99,235,0.4); }
.c2-seg button.on.today { background: #c4861f; color: #fff; box-shadow: 0 3px 10px -3px rgba(196,134,31,0.4); }
.c2-seg button.on.goal  { background: #6b4dc4; color: #fff; box-shadow: 0 3px 10px -3px rgba(107,77,196,0.4); }

/* balance cards grid */
.c2-bal-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.c2-bal {
  padding: 10px 14px 12px; border-radius: 14px;
  background: rgba(255,255,255,0.65);
  border: 1.5px solid rgba(196,134,31,0.18);
}
.c2-bal-l { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; margin-bottom: 4px; }
.c2-bal input.c2-field-input {
  font-size: 18px; padding: 6px 10px; border-radius: 8px;
  background: rgba(255,255,255,0.7); border-color: rgba(26,31,58,0.08);
}

/* disclosure (housing/loan) */
.c2-disclose {
  margin-top: 16px; border-radius: 14px;
  background: rgba(255,255,255,0.45);
  border: 1.5px solid rgba(26,31,58,0.08); overflow: hidden;
}
.c2-disclose > summary {
  list-style: none; cursor: pointer; padding: 11px 16px;
  display: flex; align-items: center; gap: 9px;
  font-size: 13px; font-weight: 600; color: var(--text);
  position: relative;
}
.c2-disclose > summary::-webkit-details-marker { display: none; }
.c2-disclose > summary .c2-chev { margin-left: auto; opacity: 0.55; transition: transform 0.15s; }
.c2-disclose[open] > summary .c2-chev { transform: rotate(180deg); }
.c2-disclose-body { padding: 4px 16px 16px; border-top: 1px solid rgba(26,31,58,0.06); }

/* tier cards */
.c2-tiers { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.c2-tier {
  padding: 14px 16px; border-radius: 14px; cursor: pointer;
  background: rgba(255,255,255,0.7); border: 2px solid rgba(26,31,58,0.08);
  transition: border-color 0.12s, background 0.12s;
}
.c2-tier.on { border-color: #6b4dc4; background: rgba(255,255,255,0.95); }
.c2-tier-l  { font-size: 10.5px; letter-spacing: 0.1em; text-transform: uppercase; font-weight: 700; opacity: 0.8; }
.c2-tier-name { font-family: 'Fraunces', Georgia, serif; font-size: 18px; font-weight: 500; color: var(--text); margin-top: 4px; }
.c2-tier-ra   { font-family: 'DM Mono', monospace; font-size: 14px; color: var(--text-dim); margin-top: 6px; font-weight: 500; }
.c2-tier-sub  { font-size: 11px; opacity: 0.75; margin-top: 4px; font-weight: 500; }

/* defer age buttons */
.c2-defer { display: flex; gap: 8px; flex-wrap: wrap; }
.c2-defer-btn {
  min-width: 56px; padding: 10px 6px; border-radius: 12px; cursor: pointer;
  border: 2px solid rgba(26,31,58,0.10); background: rgba(255,255,255,0.6);
  font-family: 'DM Mono', monospace; font-size: 14px; font-weight: 700;
  color: var(--text-dim); display: flex; flex-direction: column; align-items: center; gap: 2px;
  transition: background 0.12s, border-color 0.12s;
}
.c2-defer-btn.on { background: #6b4dc4; border-color: #6b4dc4; color: #fff; box-shadow: 0 6px 16px -4px rgba(107,77,196,0.4); }
.c2-defer-btn .be { font-size: 9.5px; font-weight: 500; opacity: 0.7; }

/* insurance pills */
.c2-ins { display: flex; gap: 8px; flex-wrap: wrap; align-items: center; }
.c2-ins-pill {
  height: 30px; padding: 0 12px; border-radius: 999px; cursor: pointer;
  font-size: 12px; font-weight: 600;
  border: 1.5px solid rgba(26,31,58,0.12); background: rgba(255,255,255,0.6);
  color: var(--text-dim); display: inline-flex; align-items: center; gap: 6px;
  transition: background 0.12s;
}
.c2-ins-pill.required { background: #6b4dc4; color: #fff; border-color: #6b4dc4; cursor: default; }
.c2-ins-pill.on { background: rgba(107,77,196,0.16); color: #4f3aa8; border-color: rgba(107,77,196,0.32); }

/* RESULT card */
.c2-result {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: 24px; padding: 32px 36px;
  box-shadow: 0 1px 0 rgba(255,255,255,0.8) inset, 0 16px 36px -22px rgba(26,31,58,0.18);
}
.c2-result-headline { display: flex; align-items: flex-end; justify-content: space-between; gap: 30px; margin-bottom: 4px; }
.c2-headline-l { font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--text-faint); font-weight: 500; }
.c2-headline-v {
  font-family: 'Fraunces', Georgia, serif; font-size: 68px;
  letter-spacing: -0.03em; line-height: 1; font-weight: 400;
  color: var(--gold-bright); margin: 6px 0 4px;
}
.c2-headline-v em { font-style: italic; font-size: 30px; color: var(--text-faint); font-weight: 400; vertical-align: baseline; }
.c2-headline-s { font-size: 13px; color: var(--text-faint); }

/* plan comparison cards */
.c2-plans { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 14px; margin-top: 26px; }
.c2-plan {
  padding: 18px; border-radius: 16px; cursor: pointer;
  border: 2px solid transparent; position: relative;
  transition: transform 0.12s, box-shadow 0.12s;
}
.c2-plan.standard { background: var(--sky);   color: var(--sky-ink); }
.c2-plan.escal    { background: var(--lilac); color: var(--lilac-ink); }
.c2-plan.basic    { background: var(--mint);  color: var(--mint-ink); }
.c2-plan.on { border-color: currentColor; transform: translateY(-2px); box-shadow: 0 12px 28px -16px currentColor; }
.c2-plan-tag  { font-size: 10.5px; letter-spacing: 0.08em; text-transform: uppercase; font-weight: 700; opacity: 0.85; }
.c2-plan-name { font-family: 'Fraunces', Georgia, serif; font-size: 22px; font-weight: 500; color: var(--text); margin: 6px 0 4px; letter-spacing: -0.015em; }
.c2-plan-amt  { font-family: 'Fraunces', Georgia, serif; font-size: 28px; color: var(--text); margin-top: 14px; font-weight: 500; letter-spacing: -0.02em; }
.c2-plan-amt-sub { font-size: 11px; opacity: 0.85; font-weight: 600; margin-top: 2px; }
.c2-plan-line { font-size: 12px; opacity: 0.85; margin-top: 10px; line-height: 1.45; font-weight: 500; }
.c2-plan-use  {
  margin-top: 14px; width: 100%; padding: 7px 0; border-radius: 8px; cursor: pointer;
  font-size: 12px; font-weight: 600; border: 1.5px solid currentColor;
  background: transparent; color: currentColor; font-family: inherit;
  transition: background 0.12s;
}
.c2-plan.on .c2-plan-use { background: currentColor; color: #fff; }

/* advanced / property pledge collapsible */
.c2-advanced { background: var(--card-bg); border: 1px solid var(--border); border-radius: 18px; overflow: hidden; }
.c2-advanced > summary {
  list-style: none; cursor: pointer; padding: 18px 24px;
  display: flex; align-items: center; gap: 12px;
}
.c2-advanced > summary::-webkit-details-marker { display: none; }
.c2-advanced > summary .c2-adv-chev { margin-left: auto; color: var(--text-faint); transition: transform 0.15s; }
.c2-advanced[open] > summary .c2-adv-chev { transform: rotate(180deg); }
.c2-advanced-body { padding: 6px 24px 24px; border-top: 1px solid var(--border); }

/* dark mode overrides for c2 elements */
[data-theme="dark"] .c2-field-input { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.10); color: var(--text); }
[data-theme="dark"] .c2-field-input:focus { background: rgba(255,255,255,0.13); }
[data-theme="dark"] .c2-bal input.c2-field-input { background: rgba(255,255,255,0.08); }
[data-theme="dark"] .c2-seg { background: rgba(255,255,255,0.07); }
[data-theme="dark"] .c2-disclose { background: rgba(255,255,255,0.04); }
[data-theme="dark"] .c2-tier { background: rgba(255,255,255,0.06); }
[data-theme="dark"] .c2-tier.on { background: rgba(107,77,196,0.22); border-color: #8b6fe0; }
[data-theme="dark"] .c2-defer-btn { background: rgba(255,255,255,0.06); }
[data-theme="dark"] .c2-ins-pill { background: rgba(255,255,255,0.06); }
[data-theme="dark"] .c2-bal { background: rgba(255,255,255,0.06); border-color: rgba(196,134,31,0.22); }

@media (max-width: 700px) {
  .c2-field-row.cols-3 { grid-template-columns: 1fr; }
  .c2-field-row.cols-2 { grid-template-columns: 1fr; }
  .c2-bal-grid { grid-template-columns: 1fr 1fr; }
  .c2-tiers   { grid-template-columns: 1fr; }
  .c2-plans   { grid-template-columns: 1fr; }
}

.cpfl-topbar {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 20px;
  flex-wrap: wrap;
}
.cpfl-topbar-left { display: flex; flex-direction: column; gap: 4px; flex: 1; min-width: 180px; }
.cpfl-client-select {
  padding: 7px 10px;
  border-radius: 7px;
  border: 1px solid var(--border);
  background: var(--bg);
  color: var(--text-main);
  font-size: 13px;
  min-width: 200px;
}

.cpfl-inputs-card .card-body { padding-bottom: 0; }
.cpfl-field-row {
  display: grid;
  grid-template-columns: 120px 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
.cpfl-field { display: flex; flex-direction: column; gap: 4px; }

.cpfl-projection-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: var(--bg);
  border-top: 1px solid var(--border);
  border-radius: 0 0 10px 10px;
  flex-wrap: wrap;
}
.cpfl-proj-item { display: flex; flex-direction: column; gap: 2px; }
.cpfl-proj-label { font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-dim); font-weight: 600; }
.cpfl-proj-value { font-size: 15px; font-weight: 700; color: var(--text-main); font-family: 'DM Mono', monospace; }
.cpfl-proj-sep { font-size: 16px; color: var(--text-dim); }
.cpfl-proj-tier {
  padding: 3px 10px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.5px;
  margin-left: auto;
}
.tier-ers  { background: rgba(196,160,84,0.15);  color: var(--gold-bright); }
.tier-frs  { background: rgba(59,130,246,0.15);  color: #60a5fa; }
.tier-brs  { background: rgba(16,185,129,0.15);  color: #34d399; }
.tier-low  { background: rgba(248,113,113,0.12); color: #f87171; }

/* 3-plan cards */
.cpfl-plans-header { text-align: center; }
.cpfl-plans-title { font-size: 16px; font-weight: 700; color: var(--text-main); }
.cpfl-plans-sub   { font-size: 12px; color: var(--text-dim); margin-top: 3px; }
.cpfl-plans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.cpfl-plan-card {
  background: var(--card-bg);
  border: 2px solid var(--border);
  border-radius: 14px;
  padding: 22px 18px 18px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 8px;
  cursor: pointer;
  transition: border-color 0.15s, transform 0.1s;
}
.cpfl-plan-card:hover { transform: translateY(-2px); }
.cpfl-plan-selected { box-shadow: 0 0 0 3px rgba(196,160,84,0.18); }
.cpfl-plan-tag {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 20px;
}
.cpfl-plan-label { font-size: 14px; font-weight: 700; }
.cpfl-plan-amount {
  font-size: 32px;
  font-weight: 400;
  color: var(--text-main);
  line-height: 1;
  letter-spacing: -0.03em;
  font-family: 'Fraunces', Georgia, serif;
}
.cpfl-plan-unit { font-size: 14px; font-weight: 400; color: var(--text-dim); }
.cpfl-plan-desc { font-size: 13px; color: var(--text-dim); line-height: 1.5; }
.cpfl-use-btn {
  margin-top: 4px;
  width: 100%;
  padding: 9px 0;
  border-radius: 8px;
  border: 1.5px solid;
  background: transparent;
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
  transition: opacity 0.15s;
}
.cpfl-use-btn:hover { opacity: 0.8; }

/* Factor table card */
.cpfl-factor-card table { font-size: 12px; }
.cpfl-factor-card th, .cpfl-factor-card td { padding: 8px 16px; }

/* Mini CPF calc embedded in financial step */
.sim-cpf-mini {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 16px;
  margin-bottom: 4px;
}
.sim-cpf-mini-title {
  font-size: 12px;
  font-weight: 700;
  color: var(--text-dim);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 8px;
}
.sim-cpf-mini-tier {
  font-size: 12px;
  color: var(--text-dim);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
}
.sim-cpf-mini-plans {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}
.sim-cpf-mini-plan {
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 10px 10px 8px;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.15s;
}
.sim-cpf-mini-plan:hover { border-color: var(--gold-bright); }
.sim-cpf-mini-plan-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 4px; }
.sim-cpf-mini-plan-amt   { font-size: 18px; font-weight: 800; color: var(--text-main); line-height: 1.1; }
.sim-cpf-mini-plan-tag   { font-size: 10px; color: var(--text-dim); margin-top: 3px; }
.sim-cpf-mini-sel .sim-cpf-mini-plan-tag { color: var(--gold-bright); font-weight: 600; }

/* CPF Life — age row + derived context */
.cpfl-age-row {
  display: flex;
  align-items: flex-end;
  gap: 20px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}
.cpfl-age-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  padding: 10px 14px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  flex: 1;
}
.cpfl-age-meta-item { display: flex; flex-direction: column; gap: 2px; }
.cpfl-age-meta-label { font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-dim); font-weight: 600; }
.cpfl-age-meta-item strong { font-size: 14px; color: var(--text-main); font-weight: 700; }
.cpfl-age-meta-sep { font-size: 18px; color: var(--border); }

/* CPF Life — tier section label + grid */
.cpfl-section-label {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-dim);
  margin-bottom: 10px;
}
.cpfl-tier-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 4px;
}
.cpfl-tier-card {
  border: 2px solid var(--border);
  border-radius: 12px;
  padding: 14px 16px;
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 6px;
}
.cpfl-tier-card:hover { border-color: var(--text-dim); }
.cpfl-tier-sel { box-shadow: 0 0 0 3px rgba(196,160,84,0.10); }
.cpfl-tier-badge {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.5px;
  padding: 4px 12px;
  border-radius: 20px;
}
.cpfl-tier-ra {
  font-size: 18px;
  font-weight: 800;
  color: var(--text-main);
  font-family: 'DM Mono', monospace;
}
.cpfl-tier-sub { font-size: 11px; color: var(--text-dim); line-height: 1.4; }

/* Mini CPF — context line + tier pills */
.sim-cpf-mini-context {
  font-size: 12px;
  color: var(--text-dim);
  margin-bottom: 10px;
}
.sim-cpf-mini-context strong { color: var(--text-main); }
.sim-cpf-mini-tiers {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 8px;
}
.sim-cpf-tier-pill {
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 10px 10px 8px;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
  background: transparent;
  color: var(--text-dim);
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-family: 'DM Sans', sans-serif;
  line-height: 1.3;
}
.sim-cpf-tier-pill:hover { border-color: var(--gold-bright); }
.sim-cpf-tier-pill-sel { font-weight: 700; }

@media (max-width: 768px) {
  .cpfl-field-row      { grid-template-columns: 1fr; }
  .cpfl-plans-grid     { grid-template-columns: 1fr; }
  .cpfl-tier-grid      { grid-template-columns: 1fr; }
  .sim-cpf-mini-plans  { grid-template-columns: 1fr; }
  .sim-cpf-mini-tiers  { grid-template-columns: 1fr; }
}

/* ── CPF PROJECTION ── */
.cpfl-bal-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-bottom: 16px; }
.cpfl-proj-tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 20px; }
.cpfl-proj-tile { background: var(--card-bg); border: 1px solid var(--border); border-radius: 10px; padding: 14px 16px; }
.cpfl-proj-tile-label { font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-dim); margin-bottom: 6px; font-family: 'DM Sans', sans-serif; }
.cpfl-proj-tile-val { font-size: 22px; font-weight: 400; font-family: 'Fraunces', Georgia, serif; font-feature-settings: 'ss01'; letter-spacing: -0.02em; line-height: 1; }
.cpfl-proj-tile-sub { font-size: 11px; color: var(--text-dim); margin-top: 4px; font-family: 'DM Sans', sans-serif; }
.cpfl-prog-wrap { margin-bottom: 20px; }
.cpfl-prog-track { height: 8px; background: var(--bg-3); border-radius: 4px; position: relative; margin-bottom: 8px; }
.cpfl-prog-fill { height: 100%; border-radius: 4px; background: var(--gold-bright); transition: width 0.4s; }
.cpfl-prog-marker { position: absolute; top: -4px; width: 2px; height: 16px; background: var(--border); }
.cpfl-prog-labels { display: flex; justify-content: space-between; font-size: 11px; color: var(--text-dim); font-family: 'DM Mono', monospace; }
.cpfl-year-table { width: 100%; font-size: 12px; border-collapse: collapse; font-family: 'DM Mono', monospace; }
.cpfl-year-table td, .cpfl-year-table th { padding: 7px 10px; border-bottom: 1px solid var(--border); text-align: right; }
.cpfl-year-table td:first-child, .cpfl-year-table th:first-child { text-align: left; }
.cpfl-year-row-55 { background: rgba(196,160,84,0.08); font-weight: 600; }

@media (max-width: 768px) {
  .cpfl-bal-row   { grid-template-columns: 1fr; }
  .cpfl-proj-tiles { grid-template-columns: 1fr; }
}

/* ── CPF Life Phase 1 additions ────────────────────────────────────────────── */
.cpfl-input-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
@media (max-width: 600px) {
  .cpfl-input-row { grid-template-columns: 1fr; }
}

/* Prefix input wrapper */
.cpfl-prefix-input {
  position: relative;
  display: flex;
  align-items: stretch;
}
.cpfl-prefix-input .sim-input {
  padding-left: 40px;
  flex: 1;
  min-width: 0;
}
.cpfl-prefix {
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  padding: 0 10px;
  background: var(--bg-3);
  border: 1px solid var(--border);
  border-right: none;
  border-radius: 6px 0 0 6px;
  font-size: 13px;
  color: var(--text-dim);
  display: flex;
  align-items: center;
  pointer-events: none;
  z-index: 1;
}

/* Employment type toggle */
.cpfl-toggle-row {
  display: flex;
  gap: 8px;
}
.cpfl-toggle-btn {
  flex: 1;
  padding: 8px 12px;
  border-radius: 8px;
  border: 1px solid var(--border);
  background: var(--card-bg);
  color: var(--text-dim);
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.15s;
}
.cpfl-toggle-btn.cpfl-toggle-active {
  border-color: var(--gold-bright);
  background: rgba(196,160,84,0.1);
  color: var(--gold-bright);
  font-weight: 700;
}
.cpfl-toggle-btn:hover:not(.cpfl-toggle-active) {
  border-color: var(--text-dim);
  color: var(--text-main);
}

/* Deferral age buttons */
.cpfl-defer-btn {
  padding: 6px 12px;
  border-radius: 6px;
  border: 1px solid var(--border);
  background: var(--card-bg);
  color: var(--text-dim);
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.15s;
  font-family: 'DM Mono', monospace;
}
.cpfl-defer-btn.cpfl-defer-sel {
  border-color: #3b82f6;
  background: rgba(59,130,246,0.12);
  color: #3b82f6;
}
.cpfl-defer-btn:hover:not(.cpfl-defer-sel) {
  border-color: var(--text-dim);
  color: var(--text-main);
}

/* Track badge */
.cpfl-track-badge {
  display: inline-block;
  margin-left: 6px;
  padding: 2px 8px;
  border-radius: 20px;
  font-size: 10px;
  font-weight: 700;
  font-family: 'DM Sans', sans-serif;
  vertical-align: middle;
}

/* SE planning insight comparison cards */
.cpfl-se-compare {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  margin-bottom: 12px;
}
@media (max-width: 800px) {
  .cpfl-se-compare { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 520px) {
  .cpfl-se-compare { grid-template-columns: 1fr; }
}
.cpfl-se-track {
  border-radius: 12px;
  border: 1px solid var(--border);
  background: var(--card-bg);
  padding: 16px;
}
.cpfl-se-track-label {
  font-size: 12px;
  font-weight: 700;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
}
.cpfl-se-track-val {
  font-size: 28px;
  font-weight: 400;
  font-family: 'Fraunces', Georgia, serif;
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin-bottom: 4px;
}
.cpfl-se-track-sub {
  font-size: 12px;
  font-weight: 500;
}

/* 4-column balance row at wider screens */
@media (min-width: 700px) {
  .cpfl-bal-row { grid-template-columns: repeat(4, 1fr); }
}
@media (max-width: 900px) {
  .cpfl-proj-tiles { grid-template-columns: repeat(2, 1fr); }
}

/* ── CPF Life page — larger, more readable typography ─────────────────────── */
.cpfl-page .form-label, .c2-page .form-label {
  font-size: 14px;
  font-weight: 700;
  text-transform: none;
  letter-spacing: 0;
  color: var(--text-main);
}
.cpfl-page .sim-input, .c2-page .sim-input {
  font-size: 16px;
  padding: 11px 12px;
}
.cpfl-page .cpfl-prefix-input .sim-input, .c2-page .cpfl-prefix-input .sim-input {
  font-size: 16px;
  padding: 11px 12px 11px 44px;
}
.cpfl-page .cpfl-prefix, .c2-page .cpfl-prefix {
  font-size: 14px;
}
.cpfl-tier-badge  { font-size: 13px; }
.cpfl-tier-ra     { font-size: 22px; }
.cpfl-tier-sub    { font-size: 13px; }
.cpfl-plans-title { font-size: 18px; }
.cpfl-plans-sub   { font-size: 13px; }
.cpfl-proj-tile-label { font-size: 14px; }
.cpfl-proj-tile-val   { font-size: 30px; }
.cpfl-proj-tile-sub   { font-size: 13px; }
.cpfl-page .cpfl-toggle-btn, .c2-page .cpfl-toggle-btn { font-size: 15px; padding: 10px 14px; }
.cpfl-page .cpfl-defer-btn                             { font-size: 14px; padding: 8px 16px; }
.cpfl-se-track-val  { font-size: 32px; }
.cpfl-se-track-label { font-size: 14px; }
.cpfl-se-track-sub   { font-size: 13px; }

/* ── CI CALCULATOR ─────────────────────────────────────────────────────── */

/* Page background — cream in light mode only */
[data-theme="light"] #page-content.ci-bg { background: #fdf6ed; }

.ci-page {
  display: flex;
  flex-direction: column;
  gap: 20px;
  max-width: 1100px;
  margin: 0 auto;
  font-family: 'DM Sans', sans-serif;
}

/* Two-column grid for step 1 + 2, full-width for step 3 */
.ci-top-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
@media (max-width: 700px) {
  .ci-top-grid { grid-template-columns: 1fr; }
}

/* ── Step cards — warm pastel style ─── */
.ci-step {
  border-radius: 28px;
  padding: 32px 32px 28px;
  position: relative;
  overflow: hidden;
  border: none;
  box-shadow: 0 2px 16px rgba(0,0,0,0.06);
  font-family: 'DM Sans', sans-serif;
}

/* Light mode: full pastel backgrounds */
[data-theme="light"] .ci-step-income  { background: #dbeeff; }
[data-theme="light"] .ci-step-medical { background: #ffe8e8; }
[data-theme="light"] .ci-step-years   { background: #d9f7ea; }

/* Dark mode: tinted backgrounds */
[data-theme="dark"] .ci-step-income  { background: rgba(59,130,246,0.12); }
[data-theme="dark"] .ci-step-medical { background: rgba(239,68,68,0.10); }
[data-theme="dark"] .ci-step-years   { background: rgba(16,185,129,0.10); }

/* Organic blob decoration — top-right corner */
.ci-step::after {
  content: '';
  position: absolute;
  width: 160px; height: 160px;
  top: -40px; right: -40px;
  border-radius: 62% 38% 70% 30% / 45% 55% 45% 55%;
  opacity: 0.18;
  pointer-events: none;
}
[data-theme="light"] .ci-step-income::after  { background: #2563eb; }
[data-theme="light"] .ci-step-medical::after { background: #ef4444; }
[data-theme="light"] .ci-step-years::after   { background: #059669; }
[data-theme="dark"]  .ci-step-income::after  { background: #60a5fa; }
[data-theme="dark"]  .ci-step-medical::after { background: #f87171; }
[data-theme="dark"]  .ci-step-years::after   { background: #34d399; }

/* Second smaller blob */
.ci-step::before {
  content: '';
  position: absolute;
  width: 90px; height: 90px;
  bottom: -20px; right: 60px;
  border-radius: 40% 60% 55% 45% / 50% 40% 60% 50%;
  opacity: 0.10;
  pointer-events: none;
}
[data-theme="light"] .ci-step-income::before  { background: #3b82f6; }
[data-theme="light"] .ci-step-medical::before { background: #ef4444; }
[data-theme="light"] .ci-step-years::before   { background: #10b981; }
[data-theme="dark"]  .ci-step-income::before  { background: #93c5fd; }
[data-theme="dark"]  .ci-step-medical::before { background: #fca5a5; }
[data-theme="dark"]  .ci-step-years::before   { background: #6ee7b7; }

/* Step header */
.ci-step-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 6px;
}
.ci-step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px; height: 32px;
  border-radius: 50%;
  font-size: 15px;
  font-weight: 900;
  flex-shrink: 0;
  font-family: 'DM Sans', sans-serif;
}
[data-theme="light"] .ci-step-income  .ci-step-num { background: #2563eb; color: #fff; }
[data-theme="light"] .ci-step-medical .ci-step-num { background: #ef4444; color: #fff; }
[data-theme="light"] .ci-step-years   .ci-step-num { background: #059669; color: #fff; }
[data-theme="dark"]  .ci-step-income  .ci-step-num { background: rgba(59,130,246,0.25);  color: #93c5fd; }
[data-theme="dark"]  .ci-step-medical .ci-step-num { background: rgba(239,68,68,0.20);   color: #fca5a5; }
[data-theme="dark"]  .ci-step-years   .ci-step-num { background: rgba(16,185,129,0.20);  color: #6ee7b7; }

.ci-step-title {
  font-size: 26px;
  font-weight: 500;
  color: var(--text);
  letter-spacing: -0.015em;
  font-family: 'Fraunces', Georgia, serif;
  line-height: 1.1;
}
.ci-step-sub {
  font-size: 13.5px;
  color: var(--text-dim);
  line-height: 1.6;
  margin-bottom: 18px;
  margin-top: 8px;
  font-family: 'DM Sans', sans-serif;
}

/* ── Income field (step 1) ─── */
.ci-income-wrap { position: relative; display: inline-flex; align-items: stretch; margin-top: 4px; }
.ci-income-prefix {
  position: absolute;
  left: 0; top: 0; bottom: 0;
  padding: 0 14px;
  display: flex;
  align-items: center;
  font-size: 18px;
  font-weight: 800;
  font-family: 'DM Sans', sans-serif;
  border-radius: 16px 0 0 16px;
  pointer-events: none;
  z-index: 1;
}
[data-theme="light"] .ci-income-prefix { background: rgba(37,99,235,0.15); color: #2563eb; }
[data-theme="dark"]  .ci-income-prefix { background: rgba(59,130,246,0.15); color: #93c5fd; }
.ci-income-field {
  padding: 14px 18px 14px 54px !important;
  border-radius: 16px !important;
  font-size: 24px !important;
  font-weight: 800 !important;
  font-family: 'DM Sans', sans-serif !important;
  width: 100%;
  max-width: 260px;
  border: 2px solid transparent !important;
  box-sizing: border-box;
}
[data-theme="light"] .ci-income-field { background: rgba(255,255,255,0.85) !important; color: #1e3a5f !important; }
[data-theme="dark"]  .ci-income-field { background: rgba(255,255,255,0.08) !important; }
.ci-income-field:focus { border-color: #2563eb !important; outline: none; }

/* ── Bubble buttons — solid filled pill when active ─── */
.ci-bubbles { display: flex; gap: 10px; flex-wrap: nowrap; width: 100%; }
.ci-bubble {
  flex: 1;
  text-align: center;
  padding: 11px 0;
  border-radius: 50px;
  border: 2px solid rgba(0,0,0,0.12);
  background: rgba(255,255,255,0.7);
  color: #555;
  font-size: 15px;
  font-weight: 800;
  cursor: pointer;
  transition: all 0.18s;
  font-family: 'DM Sans', sans-serif;
  line-height: 1;
  backdrop-filter: blur(4px);
}
[data-theme="dark"] .ci-bubble {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.12);
  color: var(--text-dim);
}
.ci-bubble:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(0,0,0,0.14);
}

/* Active: solid filled, white text */
.ci-bubble-income.active {
  background: #2563eb;
  border-color: #2563eb;
  color: #fff;
  box-shadow: 0 6px 18px rgba(37,99,235,0.35);
  transform: translateY(-1px);
}
.ci-bubble-medical.active {
  background: #ef4444;
  border-color: #ef4444;
  color: #fff;
  box-shadow: 0 6px 18px rgba(239,68,68,0.35);
  transform: translateY(-1px);
}
.ci-bubble-years.active {
  background: #059669;
  border-color: #059669;
  color: #fff;
  box-shadow: 0 6px 18px rgba(5,150,105,0.32);
  transform: translateY(-1px);
}

/* ── Annual result pill ─── */
.ci-annual-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 16px;
  padding: 10px 22px;
  border-radius: 50px;
  font-size: 15px;
  font-weight: 800;
  font-family: 'DM Sans', sans-serif;
}
[data-theme="light"] .ci-annual-income  { background: #2563eb; color: #fff; box-shadow: 0 4px 14px rgba(37,99,235,0.30); }
[data-theme="light"] .ci-annual-medical { background: #ef4444; color: #fff; box-shadow: 0 4px 14px rgba(239,68,68,0.30); }
[data-theme="dark"]  .ci-annual-income  { background: rgba(59,130,246,0.18); color: #93c5fd; border: 1px solid rgba(59,130,246,0.3); }
[data-theme="dark"]  .ci-annual-medical { background: rgba(239,68,68,0.15);  color: #fca5a5; border: 1px solid rgba(239,68,68,0.3); }

/* ── Note box ─── */
.ci-note {
  margin-top: 16px;
  padding: 13px 16px;
  border-radius: 14px;
  font-size: 13px;
  color: var(--text-dim);
  line-height: 1.65;
  font-family: 'DM Sans', sans-serif;
}
[data-theme="light"] .ci-note { background: rgba(255,255,255,0.55); border: 1px solid rgba(0,0,0,0.07); }
[data-theme="dark"]  .ci-note { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08); }
.ci-note strong { color: var(--text-main); }

/* ── Result card ─── */
.ci-result {
  border-radius: 28px;
  padding: 36px 32px;
  box-shadow: 0 2px 16px rgba(0,0,0,0.06);
  font-family: 'DM Sans', sans-serif;
  position: relative;
  overflow: hidden;
}
[data-theme="light"] .ci-result { background: #fff8f0; border: 1.5px solid #ead9c6; }
[data-theme="dark"]  .ci-result { background: var(--card-bg); border: 1px solid var(--border); }

/* Blob decoration on result card */
.ci-result::after {
  content: '';
  position: absolute;
  width: 180px; height: 180px;
  top: -50px; right: -50px;
  border-radius: 55% 45% 65% 35% / 40% 60% 40% 60%;
  background: #e8cfa0;
  opacity: 0.25;
  pointer-events: none;
}
[data-theme="dark"] .ci-result::after { opacity: 0.08; }

.ci-result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 28px;
}
.ci-result-item {
  border-radius: 20px;
  padding: 24px 18px;
  text-align: center;
  font-family: 'DM Sans', sans-serif;
}
[data-theme="light"] .ci-result-income  { background: #dbeeff; }
[data-theme="light"] .ci-result-medical { background: #ffe8e8; }
[data-theme="dark"]  .ci-result-income  { background: rgba(59,130,246,0.10); border: 1px solid rgba(59,130,246,0.2); }
[data-theme="dark"]  .ci-result-medical { background: rgba(239,68,68,0.08);  border: 1px solid rgba(239,68,68,0.2); }

.ci-result-item-label {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  margin-bottom: 10px;
  font-family: 'DM Sans', sans-serif;
}
[data-theme="light"] .ci-result-income  .ci-result-item-label { color: #2563eb; }
[data-theme="light"] .ci-result-medical .ci-result-item-label { color: #ef4444; }
[data-theme="dark"]  .ci-result-income  .ci-result-item-label { color: #60a5fa; }
[data-theme="dark"]  .ci-result-medical .ci-result-item-label { color: #f87171; }

.ci-result-item-val {
  font-size: 26px;
  font-weight: 900;
  font-family: 'DM Sans', sans-serif;
  letter-spacing: -0.5px;
}
[data-theme="light"] .ci-result-income  .ci-result-item-val { color: #1e3a8a; }
[data-theme="light"] .ci-result-medical .ci-result-item-val { color: #991b1b; }
[data-theme="dark"]  .ci-result-income  .ci-result-item-val { color: #93c5fd; }
[data-theme="dark"]  .ci-result-medical .ci-result-item-val { color: #fca5a5; }
.ci-result-item-sub { font-size: 12px; color: var(--text-dim); margin-top: 5px; line-height: 1.4; font-family: 'DM Sans', sans-serif; }

/* Total */
.ci-total-block { text-align: center; padding: 4px 0 24px; }
.ci-total-label {
  font-size: 11px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--text-faint);
  margin-bottom: 10px;
  font-family: 'DM Sans', sans-serif;
}
.ci-total-val {
  font-size: 72px;
  font-weight: 400;
  color: var(--gold-bright);
  font-family: 'Fraunces', Georgia, serif;
  font-feature-settings: 'ss01';
  line-height: 1;
  margin-bottom: 8px;
  letter-spacing: -0.03em;
}
.ci-total-val em { font-style: italic; }
.ci-total-sub { font-size: 13px; color: var(--text-faint); font-family: 'DM Sans', sans-serif; }

/* ── Gap / existing coverage ─── */
.ci-gap-section {
  border-top: 1px solid var(--border);
  padding-top: 24px;
  text-align: center;
}
[data-theme="light"] .ci-gap-section { border-color: #ead9c6; }
.ci-gap-label { font-size: 14px; color: var(--text-dim); margin-bottom: 14px; line-height: 1.5; font-family: 'DM Sans', sans-serif; }
.ci-gap-input-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
}
/* Gap input with prefix */
.ci-gap-input-wrap {
  position: relative;
  display: inline-flex;
  align-items: stretch;
}
.ci-gap-prefix {
  position: absolute;
  left: 0; top: 0; bottom: 0;
  padding: 0 14px;
  display: flex;
  align-items: center;
  font-size: 16px;
  font-weight: 800;
  font-family: 'DM Sans', sans-serif;
  border-radius: 14px 0 0 14px;
  pointer-events: none;
  z-index: 1;
}
[data-theme="light"] .ci-gap-prefix { background: rgba(0,0,0,0.06); color: var(--text-dim); }
[data-theme="dark"]  .ci-gap-prefix { background: rgba(255,255,255,0.08); color: var(--text-dim); }
.ci-gap-input-field {
  padding: 13px 16px 13px 52px !important;
  border-radius: 14px !important;
  font-size: 20px !important;
  font-weight: 800 !important;
  font-family: 'DM Sans', sans-serif !important;
  width: 200px;
  border: 2px solid transparent !important;
}
[data-theme="light"] .ci-gap-input-field { background: rgba(255,255,255,0.8) !important; color: var(--text-main) !important; }
[data-theme="dark"]  .ci-gap-input-field { background: rgba(255,255,255,0.06) !important; }
.ci-gap-input-field:focus { border-color: var(--accent) !important; outline: none; }

.ci-gap-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 18px;
  padding: 13px 28px;
  border-radius: 50px;
  font-size: 16px;
  font-weight: 800;
  font-family: 'DM Sans', sans-serif;
}
.ci-gap-shortfall { background: rgba(248,113,113,0.12); border: 2px solid rgba(248,113,113,0.3); color: #f87171; }
.ci-gap-covered   { background: rgba(74,222,128,0.12);  border: 2px solid rgba(74,222,128,0.3);  color: #4ade80; }

/* ── Link to client card ─── */
.ci-link-card {
  border-radius: 18px;
  padding: 20px 24px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  color: var(--text-dim);
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
[data-theme="light"] .ci-link-card { background: #fff8f0; border: 1.5px solid #ead9c6; }
[data-theme="dark"]  .ci-link-card { background: var(--card-bg); border: 1px solid var(--border); }

/* ── Placeholder state ─── */
.ci-placeholder {
  text-align: center;
  padding: 48px 20px;
  color: var(--text-dim);
  font-size: 15px;
  font-family: 'DM Sans', sans-serif;
}

/* ── CPF inputs — clean labels, hints, dividers ─────────────────────────── */
.cpfl-personal-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr 120px;
  gap: 16px;
  align-items: start;
  margin-bottom: 20px;
}
@media (max-width: 680px) {
  .cpfl-personal-grid { grid-template-columns: 1fr 1fr; }
  .cpfl-personal-grid > :last-child { grid-column: 1 / -1; }
}
.cpfl-lbl {
  display: block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-dim);
  margin-bottom: 7px;
  font-family: 'DM Sans', sans-serif;
}
.cpfl-hint {
  font-size: 12px;
  color: var(--text-dim);
  margin-top: 5px;
  line-height: 1.45;
}
.cpfl-divider {
  border: none;
  border-top: 2px solid var(--border);
  margin: 20px 0;
}
/* Insurance chips — compact pill toggles */
.cpfl-ins-chip {
  padding: 6px 12px;
  border-radius: 7px;
  border: 1px solid var(--border);
  background: var(--card-bg);
  color: var(--text-dim);
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  transition: all 0.15s;
}
.cpfl-ins-chip:hover { border-color: var(--text-dim); color: var(--text-main); }
.cpfl-ins-chip.cpfl-ins-on {
  border-color: var(--gold-bright);
  background: rgba(196,160,84,0.1);
  color: var(--gold-bright);
}

/* ── SIM CASHFLOW FACT-FIND ── */
.sim-cashflow-card .card-header {
  border-bottom: 1px solid var(--border);
}
.sim-cf-main-title {
  font-size: 20px !important;
  font-weight: 700;
  letter-spacing: 0.5px;
  color: var(--text-main);
  text-shadow: 0 0 20px rgba(196,160,84,0.35), 0 0 40px rgba(196,160,84,0.12);
}

/* Framework pills row */
.sim-cf-framework {
  display: flex;
  gap: 8px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}
.sim-cf-fw-pill {
  flex: 1;
  min-width: 100px;
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-main);
  background: color-mix(in srgb, var(--cf-c) 10%, transparent);
  border: 1px solid color-mix(in srgb, var(--cf-c) 30%, transparent);
}
.sim-cf-fw-pct {
  font-size: 15px;
  font-weight: 800;
  color: var(--cf-c);
  font-family: 'DM Sans', sans-serif;
}

/* Top row: salary + surplus side by side */
.sim-cf-top-row {
  display: flex;
  gap: 14px;
  align-items: stretch;
  margin-bottom: 20px;
}

/* Salary row */
.sim-cf-salary-row {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 6px;
  padding: 14px 16px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  flex: 1;
}
.sim-cf-salary-lbl {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-dim);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 6px;
}
.sim-cf-salary-inp {
  display: flex;
  align-items: center;
  gap: 6px;
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 7px;
  padding: 6px 10px;
}
.sim-cf-salary-inp span {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dim);
}
.sim-cf-salary-inp input {
  border: none;
  background: transparent;
  color: var(--text-main);
  font-size: 18px;
  font-weight: 700;
  font-family: 'DM Sans', sans-serif;
  width: 130px;
  outline: none;
}
.sim-cf-salary-inp input::-webkit-outer-spin-button,
.sim-cf-salary-inp input::-webkit-inner-spin-button { -webkit-appearance: none; }
/* Surplus / shortfall block */
.sim-cf-surplus {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 14px 20px;
  border-radius: 10px;
  border: 1px solid var(--border);
  min-width: 160px;
  gap: 2px;
}
.sim-cf-surplus-empty {
  background: var(--bg);
}
.sim-cf-surplus-hint {
  font-size: 12px;
  color: var(--text-dim);
}
.sim-cf-surplus-ok {
  background: rgba(74,222,128,0.07);
  border-color: rgba(74,222,128,0.25);
}
.sim-cf-surplus-over {
  background: rgba(248,113,113,0.07);
  border-color: rgba(248,113,113,0.25);
}
.sim-cf-surplus-zero {
  background: rgba(196,160,84,0.07);
  border-color: rgba(196,160,84,0.25);
}
.sim-cf-surplus-icon {
  font-size: 20px;
  margin-bottom: 2px;
}
.sim-cf-surplus-ok   .sim-cf-surplus-icon { color: #4ade80; }
.sim-cf-surplus-over .sim-cf-surplus-icon { color: #f87171; }
.sim-cf-surplus-zero .sim-cf-surplus-icon { color: var(--gold-bright); }
.sim-cf-surplus-label {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}
.sim-cf-surplus-ok   .sim-cf-surplus-label { color: #4ade80; }
.sim-cf-surplus-over .sim-cf-surplus-label { color: #f87171; }
.sim-cf-surplus-zero .sim-cf-surplus-label { color: var(--gold-bright); }
.sim-cf-surplus-amount {
  font-size: 28px;
  font-weight: 400;
  line-height: 1.1;
  letter-spacing: -0.02em;
  font-family: 'Fraunces', Georgia, serif;
}
.sim-cf-surplus-ok   .sim-cf-surplus-amount { color: #4ade80; }
.sim-cf-surplus-over .sim-cf-surplus-amount { color: #f87171; }
.sim-cf-surplus-sub {
  font-size: 11px;
  color: var(--text-dim);
}

/* 4 buckets grid */
.sim-cf-buckets {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 20px;
}
.sim-cf-bucket {
  border-radius: 12px;
  border: 1px solid var(--border);
  overflow: hidden;
  background: var(--card-bg);
}
.sim-cf-bkt-hd {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  background: color-mix(in srgb, var(--cf-color) 8%, transparent);
  border-bottom: 1px solid color-mix(in srgb, var(--cf-color) 20%, transparent);
}
.sim-cf-bkt-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.sim-cf-bkt-name {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-main);
  flex: 1;
}
.sim-cf-bkt-target {
  font-size: 11px;
  color: var(--text-dim);
  white-space: nowrap;
}
.sim-cf-bkt-pct {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-dim);
  white-space: nowrap;
  margin-left: 6px;
}
.sim-cf-ok-txt   { color: #4ade80 !important; }
.sim-cf-over-txt { color: #f87171 !important; }

.sim-cf-bkt-items {
  padding: 10px 14px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.sim-cf-item {
  display: flex;
  align-items: center;
  gap: 8px;
  min-height: 36px;
}
.sim-cf-item-label-wrap {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 1px;
  min-width: 0;
}
.sim-cf-item-label {
  font-size: 12px;
  color: var(--text-dim);
  white-space: nowrap;
  flex: 1;
}
.sim-cf-item-sublabel {
  font-size: 10px;
  color: #a855f7;
  font-weight: 500;
}
.sim-cf-item-inp {
  display: flex;
  align-items: center;
  gap: 4px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 6px 10px;
  transition: border-color 0.15s;
  width: 120px;       /* fixed width — all inputs same size */
  flex-shrink: 0;
}
.sim-cf-item-inp:focus-within {
  border-color: var(--gold-bright);
}
.sim-cf-item-inp span {
  font-size: 11px;
  color: var(--text-dim);
  font-weight: 500;
  flex-shrink: 0;
}
.sim-cf-item-inp input {
  border: none;
  background: transparent;
  color: var(--text-main);
  font-size: 13px;
  font-weight: 600;
  font-family: 'DM Mono', monospace;
  flex: 1;
  min-width: 0;
  outline: none;
  text-align: right;
}
.sim-cf-item-inp input::-webkit-outer-spin-button,
.sim-cf-item-inp input::-webkit-inner-spin-button { -webkit-appearance: none; }

.sim-cf-bkt-bar-wrap {
  padding: 0 14px 12px;
}
.sim-cf-bkt-bar-track {
  position: relative;
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  overflow: visible;
  margin-bottom: 6px;
}
.sim-cf-bkt-bar-fill {
  height: 100%;
  border-radius: 3px;
  transition: width 0.3s ease;
}
.sim-cf-bkt-bar-tgt {
  position: absolute;
  top: -3px;
  width: 2px;
  height: 12px;
  background: var(--text-main);
  border-radius: 1px;
  opacity: 0.5;
  transform: translateX(-50%);
}
.sim-cf-bkt-subtotal {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-main);
}
.sim-cf-badge {
  font-size: 10px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 20px;
  display: inline-flex;
  align-items: center;
  gap: 3px;
  white-space: nowrap;
}
.sim-cf-badge-ok   { background: rgba(74,222,128,0.12); color: #4ade80; }
.sim-cf-badge-over { background: rgba(248,113,113,0.12); color: #f87171; }

/* Stacked bar + legend */
.sim-cf-stacked-wrap {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 16px;
  background: var(--bg);
}
.sim-cf-stacked-bar {
  display: flex;
  height: 18px;
  border-radius: 9px;
  overflow: hidden;
  margin-bottom: 16px;
  background: var(--border);
}
.sim-cf-seg {
  height: 100%;
  transition: width 0.35s ease;
  min-width: 0;
}
.sim-cf-seg-unalloc {
  background: rgba(255,255,255,0.06);
}
.sim-cf-legend {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.sim-cf-leg-row {
  display: grid;
  grid-template-columns: 10px 1fr 40px 80px 44px 20px;
  align-items: center;
  gap: 10px;
  font-size: 12px;
}
.sim-cf-leg-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.sim-cf-leg-label { font-weight: 600; color: var(--text-main); }
.sim-cf-leg-target { color: var(--text-dim); font-size: 11px; }
.sim-cf-leg-actual { color: var(--text-main); font-family: 'DM Sans', sans-serif; font-size: 11px; }
.sim-cf-leg-pct    { font-weight: 700; color: var(--text-dim); text-align: right; }
.sim-cf-leg-status { text-align: center; }

/* ── SIM BANNER (Invest Now) ── */
.sim-banner {
  position: relative;
  background: linear-gradient(135deg, #0d1b2e 0%, #112240 50%, #0a1628 100%);
  border: 1px solid rgba(196,160,84,0.35);
  border-radius: 16px;
  padding: 32px 28px 24px;
  overflow: hidden;
  text-align: center;
  margin-bottom: 0;
}
.sim-banner-glow {
  position: absolute;
  top: -60px; left: 50%; transform: translateX(-50%);
  width: 340px; height: 200px;
  background: radial-gradient(ellipse at center, rgba(196,160,84,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.sim-banner-eyebrow {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(196,160,84,0.7);
  margin-bottom: 6px;
}
.sim-banner-label {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 10px;
}
.sim-banner-amount {
  font-size: 56px;
  font-weight: 400;
  color: var(--gold-bright);
  line-height: 1;
  letter-spacing: -0.03em;
  font-family: 'Fraunces', Georgia, serif;
  margin-bottom: 8px;
}
.sim-banner-unit {
  font-size: 20px;
  font-weight: 500;
  color: rgba(196,160,84,0.65);
  letter-spacing: 0;
}
.sim-banner-meta {
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  margin-bottom: 24px;
}
/* Delay calculator inside banner */
.sim-banner-delay {
  display: flex;
  gap: 20px;
  background: rgba(0,0,0,0.3);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px;
  padding: 16px 20px;
  margin-top: 8px;
  text-align: left;
}
.sim-banner-delay-left {
  display: flex;
  flex-direction: column;
  gap: 10px;
  align-items: flex-start;
}
.sim-banner-delay-title {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  white-space: nowrap;
}
.sim-banner-delay-ctrl {
  display: flex;
  align-items: center;
  gap: 10px;
}
.sim-banner-delay-num {
  font-size: 32px;
  font-weight: 400;
  font-family: 'Fraunces', Georgia, serif;
  letter-spacing: -0.02em;
  color: #fff;
  min-width: 36px;
  text-align: center;
  line-height: 1;
}
.sim-banner-delay-yr {
  font-size: 11px;
  color: rgba(255,255,255,0.4);
  text-align: center;
}
.sim-banner-btn {
  width: 32px; height: 32px;
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.06);
  color: #fff;
  font-size: 18px;
  font-weight: 600;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background 0.15s, border-color 0.15s;
}
.sim-banner-btn:hover:not(:disabled) {
  background: rgba(196,160,84,0.2);
  border-color: var(--gold-bright);
  color: var(--gold-bright);
}
.sim-banner-btn:disabled { opacity: 0.3; cursor: default; }
.sim-banner-delay-right {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 4px;
}
.sim-banner-delay-was {
  font-size: 12px;
  color: rgba(255,255,255,0.4);
}
.sim-banner-delay-new {
  font-size: 28px;
  font-weight: 800;
  color: #fff;
  line-height: 1.1;
}
.sim-banner-delay-diff {
  font-size: 13px;
  font-weight: 700;
  color: #f87171;
}
.sim-banner-delay-prompt {
  font-size: 12px;
  color: rgba(255,255,255,0.3);
  font-style: italic;
}

/* ── WHAT IF SECTION ── */
.sim-wi-toggle {
  background: none;
  border: none;
  color: var(--text-faint);
  font-size: 12px;
  font-family: 'DM Sans', sans-serif;
  cursor: pointer;
  padding: 4px 10px;
  border-radius: 20px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: color 0.15s, background 0.15s;
}
.sim-wi-toggle:hover {
  color: var(--text-dim);
  background: var(--bg-3);
}

.sim-wi-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 3px;
  border-radius: 2px;
  background: var(--bg-3);
  outline: none;
  cursor: pointer;
  box-shadow: 0 0 10px rgba(196,160,84,0.4), 0 0 24px rgba(196,160,84,0.18);
}
.sim-wi-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: #e8c96a;
  border: 2px solid rgba(255,255,255,0.2);
  box-shadow: 0 0 8px rgba(232,201,106,0.9), 0 0 20px rgba(196,160,84,0.5);
  cursor: pointer;
  margin-top: -7px;
}
.sim-wi-slider::-moz-range-thumb {
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: #e8c96a;
  border: 2px solid rgba(255,255,255,0.2);
  box-shadow: 0 0 8px rgba(232,201,106,0.9), 0 0 20px rgba(196,160,84,0.5);
  cursor: pointer;
}
.sim-wi-slider::-moz-range-progress {
  background: #e8c96a;
  height: 3px;
  border-radius: 2px;
}

.sim-wi-outcomes {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 16px;
}
/* Option A — blue (time) */
.sim-wi-card-a {
  background: rgba(59,130,246,0.08);
  border: 2px solid rgba(59,130,246,0.28);
  border-radius: 14px;
  padding: 20px 20px 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
/* Option B — purple (income) */
.sim-wi-card-b {
  background: rgba(168,85,247,0.08);
  border: 2px solid rgba(168,85,247,0.28);
  border-radius: 14px;
  padding: 20px 20px 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.sim-wi-card-label {
  font-size: 10px;
  font-family: 'DM Sans', sans-serif;
  text-transform: uppercase;
  letter-spacing: 1px;
  font-weight: 700;
  margin-bottom: 6px;
}
.sim-wi-card-a .sim-wi-card-label { color: #60a5fa; }
.sim-wi-card-b .sim-wi-card-label { color: #c084fc; }
.sim-wi-card-value {
  font-size: 28px;
  font-weight: 400;
  font-family: 'Fraunces', Georgia, serif;
  letter-spacing: -0.02em;
  color: var(--text-main);
  line-height: 1.1;
}
.sim-wi-card-delta {
  font-size: 13px;
  font-weight: 700;
  font-family: 'DM Sans', sans-serif;
}
.sim-wi-card-delta.negative { color: #f87171; }
.sim-wi-card-delta.positive { color: #4ade80; }
.sim-wi-card-note {
  font-size: 11px;
  font-family: 'DM Sans', sans-serif;
  color: var(--text-faint);
  margin-top: 2px;
}
.sim-wi-on-track {
  font-size: 15px;
  font-weight: 700;
  font-family: 'DM Sans', sans-serif;
  color: #4ade80;
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 8px 0;
}
.sim-wi-summary {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 13px 16px;
  font-size: 13px;
  font-family: 'DM Sans', sans-serif;
  color: var(--text-dim);
  line-height: 1.6;
}

/* ── WHAT IF LIFESTYLE DOWNGRADES ── */
.sim-wi-dg-section {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
}
.sim-wi-dg-heading {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-dim);
  margin-bottom: 14px;
  font-family: 'DM Sans', sans-serif;
}
.sim-wi-dg-row { margin-bottom: 12px; }
.sim-wi-dg-cat {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 8px;
}
.sim-wi-dg-cat-num {
  width: 18px; height: 18px;
  border-radius: 50%;
  background: rgba(248,113,113,0.15);
  border: 1px solid rgba(248,113,113,0.3);
  color: #f87171;
  font-size: 10px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.sim-wi-dg-cat-name {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-main);
  font-family: 'DM Sans', sans-serif;
}
.sim-wi-dg-cards {
  display: grid;
  grid-template-columns: 1fr 44px 1fr;
  align-items: center;
  gap: 8px;
}
.sim-wi-dg-card {
  border-radius: 10px;
  padding: 16px 12px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  text-align: center;
  border: 2px solid var(--border);
  background: var(--card-bg);
}
.sim-wi-dg-card.ideal {
  border-color: var(--gold-bright);
  background: rgba(196,160,84,0.06);
  box-shadow: 0 0 0 3px rgba(196,160,84,0.1);
}
.sim-wi-dg-card.downgraded {
  border-color: rgba(248,113,113,0.35);
  background: rgba(248,113,113,0.04);
}
.sim-wi-dg-tag {
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 3px 8px;
  border-radius: 4px;
  font-family: 'DM Sans', sans-serif;
}
.sim-wi-dg-card.ideal .sim-wi-dg-tag {
  background: rgba(196,160,84,0.18);
  color: var(--gold-bright);
}
.sim-wi-dg-card.downgraded .sim-wi-dg-tag {
  background: rgba(248,113,113,0.15);
  color: #f87171;
}
.sim-wi-dg-icon {
  font-size: 34px;
  line-height: 1;
}
.sim-wi-dg-card.ideal .sim-wi-dg-icon { color: var(--gold-bright); }
.sim-wi-dg-card.downgraded .sim-wi-dg-icon { color: #f87171; opacity: 0.9; }
.sim-wi-dg-label {
  font-size: 15px;
  font-weight: 800;
  color: var(--text-main);
  font-family: 'DM Sans', sans-serif;
  line-height: 1.2;
}
.sim-wi-dg-qol {
  font-size: 12px;
  color: #fca5a5;
  font-weight: 600;
  font-style: italic;
  margin-top: 4px;
  line-height: 1.4;
  font-family: 'DM Sans', sans-serif;
}
.sim-wi-dg-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  color: #f87171;
  font-size: 32px;
}
.sim-wi-dg-arrow-lbl { display: none; }
.sim-wi-dg-divider {
  border: none;
  border-top: 1px solid var(--border);
  margin: 12px 0;
}
.sim-wi-dg-footer {
  font-size: 11px;
  color: var(--text-dim);
  font-style: italic;
  padding: 10px 12px;
  background: rgba(100,116,139,0.07);
  border-radius: 6px;
  line-height: 1.5;
  margin-top: 12px;
  font-family: 'DM Sans', sans-serif;
}
.sim-wi-dg-footer strong {
  color: var(--text-main);
  font-style: normal;
}

/* ── SIM PLAN CLOSE GRID ── */
.sim-plan-header {
  text-align: center;
  margin: 28px 0 16px;
}
.sim-plan-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 4px;
}
.sim-plan-sub {
  font-size: 13px;
  color: var(--text-dim);
}
.sim-plan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-bottom: 8px;
}
.sim-plan-card {
  position: relative;
  background: var(--card-bg);
  border: 2px solid var(--border);
  border-radius: 14px;
  padding: 22px 16px 18px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 8px;
  cursor: pointer;
  transition: border-color 0.15s, box-shadow 0.15s, transform 0.1s;
}
.sim-plan-card:hover {
  border-color: var(--gold-bright);
  box-shadow: 0 4px 20px rgba(196,160,84,0.1);
  transform: translateY(-1px);
}
.sim-plan-card-mid {
  border-color: rgba(196,160,84,0.4);
  background: linear-gradient(180deg, rgba(196,160,84,0.04) 0%, var(--card-bg) 100%);
}
.sim-plan-selected {
  border-color: var(--gold-bright) !important;
  box-shadow: 0 0 0 3px rgba(196,160,84,0.15), 0 6px 24px rgba(196,160,84,0.12) !important;
}
.sim-plan-recommended {
  position: absolute;
  top: -12px; left: 50%; transform: translateX(-50%);
  background: var(--gold-bright);
  color: #0d1b2e;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  padding: 3px 12px;
  border-radius: 20px;
  white-space: nowrap;
}
.sim-plan-badge {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 4px;
}
.sim-plan-badge-agg  { background: rgba(239,68,68,0.12);  color: #f87171; }
.sim-plan-badge-mod  { background: rgba(196,160,84,0.15); color: var(--gold-bright); }
.sim-plan-badge-cons { background: rgba(34,197,94,0.12);  color: #4ade80; }
.sim-plan-amount {
  font-size: 28px;
  font-weight: 400;
  color: var(--text-main);
  line-height: 1;
  letter-spacing: -0.02em;
  font-family: 'Fraunces', Georgia, serif;
}
.sim-plan-unit {
  font-size: 13px;
  font-weight: 500;
  color: var(--text-dim);
}
.sim-plan-rate {
  font-size: 11px;
  color: var(--text-dim);
}
.sim-plan-desc {
  font-size: 12px;
  color: var(--text-dim);
  line-height: 1.5;
}
.sim-plan-risk {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-top: 2px;
}
.sim-plan-risk-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
}
.sim-plan-risk-dot-high { background: var(--gold-bright); }
.sim-plan-risk-dot-low  { background: var(--border); }
.sim-plan-risk-label {
  font-size: 11px;
  color: var(--text-dim);
  margin-left: 4px;
}
.sim-plan-btn {
  margin-top: 6px;
  width: 100%;
  padding: 9px 0;
  border-radius: 8px;
  border: 1px solid var(--border);
  background: transparent;
  color: var(--text-dim);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s, border-color 0.15s, color 0.15s;
}
.sim-plan-btn:hover {
  border-color: var(--gold-bright);
  color: var(--gold-bright);
}
.sim-plan-btn-gold {
  border-color: var(--gold-bright);
  color: var(--gold-bright);
}
.sim-plan-btn-gold:hover {
  background: rgba(196,160,84,0.1);
}
.sim-plan-btn-active {
  background: var(--gold-bright) !important;
  border-color: var(--gold-bright) !important;
  color: #0d1b2e !important;
  font-weight: 700;
}

/* ── RESPONSIVE ── */
@media (max-width: 1100px) {
  .metrics-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  :root { --sidebar-w: 60px; }
  #sidebar .sidebar-logo .logo-welcome,
  #sidebar .sidebar-logo .logo-tagline,
  .sidebar-bottom,
  #sidebar nav a span:not(.nav-icon),
  #sidebar .nav-section { display: none; }
  .sidebar-logo { padding: 16px 10px; }
  nav a { padding: 12px; margin: 2px 4px; justify-content: center; }
  .nav-icon { width: 20px; height: 20px; }
  .stat-grid { grid-template-columns: 1fr 1fr; }
  .metrics-grid { grid-template-columns: 1fr 1fr; }
  .two-col, .three-col { grid-template-columns: 1fr; }
  .page-content { padding: 16px; }
  .page-header { padding: 12px 16px; }
  /* Retirement Sim mobile */
  .choice-grid { grid-template-columns: 1fr; }
  .sim-field-row { grid-template-columns: 1fr; }
  .sim-assumptions-grid { grid-template-columns: repeat(2, 1fr); }
  .sim-progress-strip { padding: 12px; gap: 4px; }
  .sim-prog-label { display: none; }
  .sim-plan-grid { grid-template-columns: 1fr; }
  .sim-banner-delay { flex-direction: column; }
  .sim-banner-amount { font-size: 40px; }
  .sim-settings-field-row { grid-template-columns: 1fr 1fr; }
  .sim-settings-field-amt { grid-column: 1 / -1; }
  .sim-cf-buckets { grid-template-columns: 1fr; }
  .sim-cf-top-row { flex-direction: column; }
  .sim-cf-leg-row { grid-template-columns: 10px 1fr 36px 70px 36px 20px; gap: 6px; }
}

/* ─── POLICY HOLDINGS ROW (fund holdings + donut side by side) ───────────── */
.policy-holdings-row { display: grid; grid-template-columns: 1fr 300px; gap: 16px; align-items: start; }
.policy-holdings-main, .policy-holdings-side { min-width: 0; }
@media (max-width: 960px) { .policy-holdings-row { grid-template-columns: 1fr; } }

/* ─── CHART LINE TOGGLE BUTTONS ─────────────────────────────────────────── */
.chart-line-toggles { display: flex; gap: 6px; align-items: center; }
.chart-toggle-btn { padding: 4px 10px; border: 1.5px solid var(--border); border-radius: 20px; background: transparent; color: var(--text-dim); font-size: 11px; cursor: pointer; display: flex; align-items: center; transition: all 0.15s; }
.chart-toggle-btn:hover { border-color: var(--text-dim); color: var(--text-main); }
.chart-toggle-off { opacity: 0.4; text-decoration: line-through; }

/* ─── FUND CHART ICON BUTTON ─────────────────────────────────────────────── */
.btn-icon-sm { background: transparent; border: none; cursor: pointer; padding: 3px 5px; color: var(--text-dim); border-radius: 4px; transition: color 0.15s, background 0.15s; }
.btn-icon-sm:hover { color: var(--gold-bright); background: rgba(196,160,84,0.1); }

/* ── CPF Loan Calculator ───────────────────────────────────────────────────── */
.cpfl-loan-calc {
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
}
.cpfl-loan-summary {
  padding: 10px 14px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dim);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  background: var(--bg-3);
  user-select: none;
}
.cpfl-loan-summary:hover { color: var(--text-main); }
.cpfl-loan-calc[open] .cpfl-loan-summary { border-bottom: 1px solid var(--border); }
.cpfl-loan-body {
  padding: 16px;
  background: var(--card-bg);
}
.cpfl-loan-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 16px;
}
@media (max-width: 600px) {
  .cpfl-loan-grid { grid-template-columns: 1fr; }
}
.cpfl-loan-result {
  background: var(--bg-3);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 16px;
}
.cpfl-loan-result-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  margin-bottom: 14px;
}
@media (max-width: 600px) {
  .cpfl-loan-result-row { grid-template-columns: 1fr 1fr; }
}
.cpfl-loan-use-btn {
  width: 100%;
  padding: 10px 16px;
  background: var(--gold-bright);
  color: #0d1b2e;
  border: none;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.15s;
}

/* ── Hide number input spinners globally ── */
input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
input[type="number"] {
  -moz-appearance: textfield;
}
.cpfl-loan-use-btn:hover { opacity: 0.88; }