:root {
  --blue: #312f78;
  --blue-2: #46439a;
  --yellow: #ffca18;
  --ink: #1d2433;
  --muted: #667085;
  --paper: #fff;
  --canvas: #f4f5fb;
  --line: #e2e5ef;
  --shadow: 0 18px 50px rgba(30, 35, 80, .12);
}
* { box-sizing: border-box; }
body { margin: 0; min-height: 100vh; color: var(--ink); background: radial-gradient(circle at 50% 0, #fff 0, var(--canvas) 55%); font-family: Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif; }
button { font: inherit; }
#app { width: min(100%, 760px); min-height: 100vh; margin: auto; padding: max(18px, env(safe-area-inset-top)) 18px max(24px, env(safe-area-inset-bottom)); display: flex; flex-direction: column; }
.topbar { min-height: 54px; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.brand { width: min(240px, 64vw); height: 48px; object-fit: contain; object-position: left center; }
.month, .pill { color: var(--blue); background: #ecebff; border-radius: 99px; padding: 7px 11px; font-weight: 800; font-size: .78rem; }
.progress { height: 5px; border-radius: 99px; background: #dedff0; overflow: hidden; margin: 8px 0 16px; }
.progress i { display: block; height: 100%; background: var(--yellow); transition: width .35s ease; }
.calendar { display: grid; grid-template-columns: repeat(12, 1fr); gap: 3px; margin: 4px 0 12px; }
.calendar span { color: #9a9fb0; text-align: center; font-size: .61rem; font-weight: 800; }
.calendar i { display: block; width: 100%; height: 5px; margin-bottom: 4px; border-radius: 99px; background: #dedff0; }
.calendar .past { color: var(--blue); }
.calendar .past i { background: var(--blue); }
.calendar .active { color: var(--blue); }
.calendar .active i { height: 8px; margin-top: -2px; background: var(--yellow); box-shadow: 0 0 0 2px rgba(255,202,24,.2); }
.hero, .result { margin: auto; text-align: center; padding: 28px 0; }
.hero-mark { width: 138px; height: 100px; object-fit: contain; margin-bottom: 18px; }
h1 { color: var(--blue); font-size: clamp(2rem, 8vw, 3.5rem); line-height: 1.04; letter-spacing: -.04em; margin: 12px 0 16px; }
.hero > p, .result > p, .scenario > p { color: var(--muted); font-size: clamp(1rem, 3.6vw, 1.15rem); line-height: 1.6; }
.facts { list-style: none; padding: 0; margin: 26px 0; display: flex; justify-content: center; flex-wrap: wrap; gap: 8px; }
.facts li { padding: 8px 12px; background: white; border: 1px solid var(--line); border-radius: 99px; font-weight: 700; font-size: .85rem; }
.starting-capital { display: block; width: min(100%, 420px); margin: 0 auto 16px; padding: 15px; border: 1px solid var(--line); border-radius: 14px; background: white; text-align: left; }
.starting-capital strong, .starting-capital span, .starting-capital small { display: block; }
.starting-capital strong { color: var(--blue); }
.starting-capital span, .starting-capital small { color: var(--muted); font-size: .72rem; line-height: 1.4; }
.starting-capital div { display: flex; align-items: center; gap: 9px; margin: 9px 0 5px; }
.starting-capital input { min-width: 0; width: 100%; padding: 11px 12px; border: 1.5px solid var(--line); border-radius: 10px; color: var(--ink); background: white; font: inherit; font-weight: 850; }
.starting-capital input:focus { border-color: var(--blue); outline: 3px solid rgba(49,47,120,.1); }
.starting-capital b { color: var(--blue); }
.learning-warning { width: min(100%, 420px); margin: 0 auto 16px; padding: 14px 15px; border-left: 5px solid var(--yellow); border-radius: 12px; background: #fff8d8; text-align: left; }
.learning-warning strong, .learning-warning span { display: block; }
.learning-warning strong { color: var(--blue); font-size: .82rem; }
.learning-warning span { margin-top: 5px; color: var(--muted); font-size: .72rem; line-height: 1.45; }
.learning-framework { width: min(100%, 520px); margin: 0 auto 18px; overflow: hidden; border: 1px solid #d9d7f3; border-radius: 14px; background: #f7f6ff; text-align: left; }
.learning-framework summary { padding: 13px 15px; color: var(--blue); cursor: pointer; font-size: .8rem; font-weight: 900; }
.learning-framework > div { padding: 0 15px 13px; }
.learning-framework p { margin: 0; padding: 9px 0; border-top: 1px solid #e5e3f6; }
.learning-framework b, .learning-framework span { display: block; }
.learning-framework b { color: var(--blue); font-size: .76rem; }
.learning-framework span { margin-top: 3px; color: var(--muted); font-size: .7rem; line-height: 1.45; }
.primary { width: min(100%, 420px); border: 0; border-radius: 14px; padding: 16px 20px; color: white; background: var(--blue); box-shadow: 0 8px 20px rgba(49,47,120,.22); font-weight: 850; cursor: pointer; }
.primary:hover { background: var(--blue-2); transform: translateY(-1px); }
.fine, footer { font-size: .72rem !important; color: #8990a2 !important; }
footer { margin-top: 24px; text-align: center; line-height: 1.45; }
.hud { display: grid; grid-template-columns: repeat(5, 1fr); gap: 7px; margin-bottom: 7px; }
.stat { padding: 11px 12px; border: 1px solid var(--line); border-radius: 12px; background: rgba(255,255,255,.82); text-align: left; }
.stat span { display: block; color: var(--muted); font-size: .7rem; }
.stat strong { display: block; color: var(--blue); margin-top: 3px; font-size: .95rem; }
.stat.debt-stat { border-color: #efc2bd; background: #fff7f6; }
.stat.debt-stat strong, .negative, .balance-card b.negative { color: #a72727; }
.money-strip { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px 12px; padding: 8px 11px; margin-bottom: 14px; border-radius: 10px; color: var(--muted); background: #ecebff; font-size: .72rem; }
.money-strip b { color: var(--blue); }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow); padding: clamp(20px, 5vw, 38px); }
.card h1 { font-size: clamp(1.7rem, 7vw, 2.65rem); }
.eyebrow { margin: 0; color: var(--blue) !important; text-transform: uppercase; letter-spacing: .1em; font-weight: 900; font-size: .72rem !important; }
.options { display: grid; gap: 10px; margin-top: 24px; }
.option { text-align: left; padding: 17px; border: 1.5px solid var(--line); border-radius: 15px; background: #fff; cursor: pointer; transition: .18s ease; }
.option:hover, .option:focus-visible { border-color: var(--blue); box-shadow: 0 6px 20px rgba(49,47,120,.1); transform: translateY(-1px); outline: none; }
.option strong, .option span, .option b { display: block; }
.option strong { color: var(--blue); font-size: 1.03rem; }
.option span { color: var(--muted); font-size: .86rem; margin: 5px 0 10px; line-height: 1.45; }
.option b { color: var(--blue); font-size: .78rem; }
.option em { display: block; color: #8b5c13; font-size: .76rem; font-style: normal; font-weight: 800; line-height: 1.4; }
.option .credit-check { display: block; margin: -2px 0 10px; color: #18704c; font-size: .72rem; font-weight: 800; line-height: 1.4; }
.option.unavailable { cursor: not-allowed; opacity: .64; background: #f5f5f8; border-style: dashed; }
.option.unavailable:hover { transform: none; box-shadow: none; border-color: var(--line); }
.variable-option { cursor: default; }
.variable-option:hover { transform: none; }
.amount-fields { display: grid; grid-template-columns: repeat(2, 1fr); gap: 9px; margin: 13px 0; }
.amount-fields label { color: var(--blue); font-size: .72rem; font-weight: 850; }
.amount-fields input, .amount-fields select { width: 100%; margin: 6px 0 3px; padding: 11px 12px; border: 1.5px solid var(--line); border-radius: 10px; color: var(--ink); background: white; font: inherit; font-weight: 800; }
.amount-fields input:focus, .amount-fields select:focus { border-color: var(--blue); outline: 3px solid rgba(49,47,120,.1); }
.amount-fields small { display: block; color: var(--muted); font-size: .64rem; font-weight: 600; }
.option-confirm { width: 100%; padding: 11px 13px; border: 0; border-radius: 10px; color: white; background: var(--blue); font-weight: 850; cursor: pointer; }
.option-confirm:hover { background: var(--blue-2); }
.feedback { margin: auto 0; text-align: center; }
.consequence-callout { margin: 18px 0; padding: 14px 15px; border-left: 5px solid #b42318; border-radius: 11px; background: #fff1ef; text-align: left; }
.consequence-callout strong, .consequence-callout span { display: block; }
.consequence-callout strong { color: #8f1d16; font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; }
.consequence-callout span { margin-top: 5px; color: #6d2924; font-size: .8rem; line-height: 1.5; }
.result-icon { display: grid; place-items: center; margin: 0 auto 18px; width: 58px; height: 58px; border-radius: 50%; color: var(--blue); background: var(--yellow); font-size: 1.6rem; font-weight: 900; }
.impact { display: flex; justify-content: center; flex-wrap: wrap; gap: 8px; margin: 22px 0; }
.impact span { background: var(--canvas); border-radius: 9px; padding: 8px 10px; font-size: .8rem; font-weight: 800; }
.ledger { margin: 12px 0 16px; text-align: left; border: 1px solid var(--line); border-radius: 13px; background: white; overflow: hidden; }
.ledger summary, .score-explain summary { padding: 12px 14px; color: var(--blue); cursor: pointer; font-size: .78rem; font-weight: 900; }
.ledger > div { border-top: 1px solid var(--line); }
.ledger p { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin: 0; padding: 9px 13px; border-bottom: 1px solid #f0f1f6; font-size: .75rem; }
.ledger p:last-child { border-bottom: 0; }
.ledger p span { min-width: 0; }
.ledger p small { display: inline-block; min-width: 27px; margin-right: 6px; color: var(--muted); font-weight: 800; }
.ledger p strong { white-space: nowrap; color: #a72727; }
.ledger p.income strong { color: #18704c; }
.ledger p.info { padding-block: 5px; color: var(--muted); background: #fafafe; }
.ledger p.info strong { color: var(--muted); }
.ledger p.saving strong { color: var(--blue); }
.ledger p.asset strong { color: #6d4c9a; }
.ledger p.tax strong { color: #a72727; }
.score { width: 150px; height: 150px; display: grid; place-content: center; margin: 12px auto 20px; border: 12px solid var(--yellow); border-radius: 50%; color: var(--blue); background: white; font-size: 3rem; font-weight: 950; box-shadow: var(--shadow); }
.score small { font-size: .9rem; }
.result-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; margin: 24px 0; }
.balance-card { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; margin: 20px 0; overflow: hidden; border: 1px solid var(--line); border-radius: 13px; background: var(--line); text-align: left; }
.balance-card span { padding: 12px; color: var(--muted); background: white; font-size: .72rem; }
.balance-card b { display: block; margin-top: 4px; color: var(--blue); font-size: .92rem; }
.score-explain { margin: 20px 0; text-align: left; border-radius: 14px; background: #ecebff; }
.score-explain p { margin: 0; padding: 4px 15px 10px; color: var(--muted); font-size: .78rem; line-height: 1.5; }
.score-explain p:last-child { padding-bottom: 15px; }
.final-ledger { max-height: 360px; overflow: auto; }
.tax-summary, .sources { display: grid; gap: 6px; margin: 18px 0; padding: 15px; border: 1px solid var(--line); border-radius: 13px; text-align: left; background: white; }
.tax-summary strong, .sources strong { color: var(--blue); }
.tax-summary span, .sources span { color: var(--muted); font-size: .76rem; }
.year-badge { display: grid; place-items: center; width: 92px; height: 92px; margin: 14px auto; border-radius: 50%; color: var(--blue); background: var(--yellow); font-size: 1.05rem; font-weight: 950; box-shadow: var(--shadow); }
.overview-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 9px; margin: 20px 0; text-align: left; }
.overview-grid > div { padding: 14px; border: 1px solid var(--line); border-radius: 13px; background: white; }
.overview-grid strong, .overview-grid b, .overview-grid span { display: block; }
.overview-grid strong { color: var(--blue); font-size: .8rem; }
.overview-grid b { margin: 7px 0; color: var(--blue); font-size: 1.05rem; }
.overview-grid b.positive { color: #18704c; }
.overview-grid b.negative { color: #a72727; }
.overview-grid span { color: var(--muted); font-size: .68rem; line-height: 1.4; }
.asset-list { margin: 20px 0; padding: 16px; border: 1px solid var(--line); border-radius: 14px; background: white; text-align: left; }
.asset-list h2 { margin: 0 0 10px; color: var(--blue); font-size: 1.1rem; }
.asset-list p { display: flex; justify-content: space-between; gap: 12px; margin: 0; padding: 9px 0; border-bottom: 1px solid var(--line); color: var(--muted); font-size: .78rem; }
.asset-list p:last-child { border-bottom: 0; }
.asset-list b { color: var(--blue); text-align: right; }
.lesson { text-align: left; background: #ecebff; border-left: 5px solid var(--blue); border-radius: 12px; padding: 17px; margin: 24px 0; }
.lesson p { color: var(--muted); line-height: 1.5; margin-bottom: 0; }
.lesson ul { margin: 12px 0 0; padding-left: 20px; color: var(--muted); line-height: 1.5; }
.lesson li + li { margin-top: 8px; }
.credit-report, .consequence-report { margin: 20px 0; padding: 16px; border: 1px solid #f0c7c2; border-radius: 14px; background: #fff7f6; text-align: left; }
.credit-report span { display: block; color: var(--muted); font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 850; }
.credit-report strong { display: inline-block; margin-top: 6px; color: #8f1d16; }
.credit-report b { float: right; color: #8f1d16; }
.credit-report p, .consequence-report small { color: var(--muted); font-size: .76rem; line-height: 1.5; }
.consequence-report h2 { margin: 0; color: var(--blue); font-size: 1.05rem; }
.consequence-report h3 { margin: 16px 0 0; color: #8f1d16; font-size: .86rem; }
.consequence-report ul { margin: 12px 0; padding-left: 20px; color: var(--muted); font-size: .78rem; line-height: 1.5; }
.consequence-report li + li { margin-top: 8px; }
.consequence-priority { margin-top: 14px; border-width: 2px; box-shadow: 0 10px 28px rgba(143,29,22,.08); }
.consequence-priority .eyebrow { margin-bottom: 6px; color: #8f1d16 !important; }
.beta-disclaimer { margin: 20px 0; padding: 16px; border-left: 5px solid var(--yellow); border-radius: 12px; background: #fff8d8; text-align: left; }
.beta-disclaimer strong { color: var(--blue); }
.beta-disclaimer p { margin: 7px 0 0; color: var(--muted); font-size: .76rem; line-height: 1.55; }
.course-gaps { margin: 20px 0; padding: 18px; border: 1px solid #d9d7f3; border-radius: 14px; background: #f7f6ff; text-align: left; }
.course-gaps h2 { margin: 7px 0 12px; color: var(--blue); font-size: 1.1rem; }
.course-gaps ul { margin: 0; padding-left: 20px; color: var(--muted); font-size: .82rem; line-height: 1.55; }
.course-gaps li + li { margin-top: 6px; }
.course-cta { margin: 26px 0 18px; padding: 24px 18px; border-radius: 18px; background: var(--blue); color: white; text-align: center; box-shadow: var(--shadow); }
.course-cta .pill { color: var(--blue); background: var(--yellow); }
.course-cta h2 { margin: 12px 0 8px; color: white; font-size: clamp(1.35rem, 5vw, 1.8rem); }
.course-cta p { margin: 0 auto 18px; max-width: 600px; color: #eeedff; font-size: .86rem; line-height: 1.55; }
.course-cta > div { display: flex; justify-content: center; flex-wrap: wrap; gap: 10px; }
.course-cta a { display: inline-flex; align-items: center; justify-content: center; width: min(100%, 310px); min-height: 48px; padding: 12px 16px; border-radius: 12px; font-weight: 850; text-decoration: none; }
.course-cta a.primary { color: var(--blue); background: var(--yellow); box-shadow: none; }
.course-cta .secondary-link { border: 1px solid rgba(255,255,255,.65); color: white; }
@media (max-width: 420px) {
  #app { padding-inline: 13px; }
  .hud { position: sticky; top: 4px; z-index: 3; grid-template-columns: repeat(3, 1fr); }
  .stat { padding: 9px 8px; }
  .stat span { font-size: .59rem; }
  .stat strong { font-size: .73rem; }
  .brand { width: 205px; }
  .card { border-radius: 18px; }
  .result-grid { grid-template-columns: repeat(2, 1fr); }
  .balance-card { grid-template-columns: 1fr; }
  .overview-grid { grid-template-columns: 1fr; }
  .amount-fields { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; } }