/* Retirement Planner — TE brand styling, self-contained */

:root {
  --te-blue: #1776C8;
  --te-blue-hover: #125a9e;
  --te-blue-light: #2B90E7;
  --text-dark: #1e293b;
  --text-muted: #6B7280;
  --border: #E5E7EB;
  --bg: #ffffff;
  --bg-soft: #f8fafc;
  --ok: #16a34a;
  --warn: #d97706;
  --fail: #dc2626;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 14px rgba(15,23,42,0.06);
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }

html, body {
  margin: 0;
  padding: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text-dark);
  background: var(--bg-soft);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--te-blue); text-decoration: none; }
a:hover { color: var(--te-blue-hover); }

/* ---- topbar ---- */
.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 22px;
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 10;
}
.topbar h1 { font-size: 18px; font-weight: 600; margin: 0; color: var(--text-dark); }
.topbar .actions { display: flex; gap: 8px; align-items: center; }

/* ---- topbar dropdown trigger + menu ---- */
.dd-wrap { position: relative; display: inline-flex; }
.dd-trigger {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--bg); color: var(--text-dark);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 7px 12px;
  font-size: 14px; font-family: inherit;
  cursor: pointer;
  white-space: nowrap;
}
.dd-trigger:hover { border-color: var(--te-blue); color: var(--te-blue); }
.dd-trigger[aria-expanded="true"] {
  border-color: var(--te-blue); color: var(--te-blue);
  background: rgba(23,118,200,0.05);
}
.dd-chev { transition: transform 0.15s; }
.dd-trigger[aria-expanded="true"] .dd-chev { transform: rotate(180deg); }

.dd-menu {
  position: absolute; top: calc(100% + 6px); right: 0;
  min-width: 240px; max-width: 320px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  box-shadow: 0 8px 24px rgba(15,23,42,0.12);
  padding: 6px 0;
  z-index: 200;
  animation: ddIn 0.12s ease;
}
@keyframes ddIn { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: none; } }
.dd-menu-account { min-width: 280px; }

.dd-header {
  padding: 8px 14px 4px 14px;
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--text-muted); font-weight: 600;
}
.dd-list { max-height: 280px; overflow-y: auto; }
.dd-empty {
  padding: 14px; font-size: 13px;
  color: var(--text-muted); text-align: center;
  font-style: italic;
}
.dd-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 8px 14px;
  font-size: 13.5px;
  color: var(--text-dark);
  cursor: pointer;
  font-family: inherit;
  border: none; background: transparent; width: 100%; text-align: left;
}
.dd-row:hover { background: var(--bg-soft); color: var(--te-blue); }
.dd-row .dd-row-del {
  opacity: 0; visibility: hidden;
  font-size: 16px; color: var(--text-muted);
  background: transparent; border: none; padding: 0 4px;
  cursor: pointer;
  border-radius: 3px;
}
.dd-row:hover .dd-row-del { opacity: 1; visibility: visible; }
.dd-row .dd-row-del:hover { color: var(--fail); background: rgba(220,38,38,0.08); }

.dd-action {
  display: flex; align-items: center; gap: 8px;
  width: 100%;
  background: transparent; border: none;
  padding: 9px 14px;
  font-size: 13.5px; color: var(--text-dark);
  font-family: inherit; text-align: left;
  cursor: pointer;
}
.dd-action:hover { background: var(--bg-soft); color: var(--te-blue); }
.dd-icon { font-size: 14px; width: 18px; text-align: center; display: inline-block; font-style: normal; color: var(--text-muted); }
.dd-action:hover .dd-icon { color: var(--te-blue); }

.dd-sep { height: 1px; background: var(--border); margin: 4px 0; }

/* Icon-only help button */
.icon-btn {
  background: var(--bg); color: var(--text-muted);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 6px 8px;
  cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center;
  line-height: 0;
}
.icon-btn:hover { border-color: var(--te-blue); color: var(--te-blue); }
.icon-btn svg { display: block; }

/* Identity trigger (account dropdown) */
.identity-trigger {
  padding: 5px 10px 5px 5px;
  font-size: 13px;
}
.avatar-circle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 26px; height: 26px;
  background: var(--te-blue); color: #fff;
  border-radius: 50%;
  font-size: 11px; font-weight: 700; line-height: 1;
  font-variant-numeric: tabular-nums;
  background-size: cover; background-position: center;
}
.avatar-circle-lg { width: 38px; height: 38px; font-size: 14px; }
.identity-name {
  font-weight: 500;
  max-width: 140px;
  overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
}

/* Account dropdown internals */
.account-head {
  display: flex; align-items: center; gap: 10px;
  padding: 14px 14px 12px 14px;
}
.account-head-text { min-width: 0; flex: 1; }
.account-email {
  font-size: 13.5px; font-weight: 600; color: var(--text-dark);
  overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
}
.account-provider { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
.account-stat {
  display: flex; align-items: center; gap: 10px;
  padding: 7px 14px;
  font-size: 13px; color: var(--text-dark);
}
.account-stat-icon {
  width: 18px; text-align: center;
  font-size: 14px;
  font-style: normal;
  color: var(--te-blue);
}
.account-stat-label { flex: 1; color: var(--text-muted); }
.account-stat strong { color: var(--text-dark); font-variant-numeric: tabular-nums; }

/* Hide labels on narrower laptops to keep topbar single-row */
@media (max-width: 1180px) {
  .dd-trigger .dd-label { display: none; }
  .dd-trigger { padding: 7px 10px; }
  .identity-trigger .dd-label { display: none; }
  .identity-name { display: none; }
  .identity-trigger { padding: 4px 6px 4px 4px; }
}

/* ---- buttons ---- */
button, .btn {
  font-family: inherit;
  font-size: 14px;
  padding: 7px 14px;
  background: var(--bg);
  color: var(--text-dark);
  border: 1px solid var(--border);
  border-radius: 6px;
  cursor: pointer;
  transition: all 0.15s ease;
}
button:hover, .btn:hover { border-color: var(--te-blue); color: var(--te-blue); }
button:disabled { opacity: 0.5; cursor: wait; }
button.primary {
  background: var(--te-blue);
  color: #fff;
  border-color: var(--te-blue);
}
button.primary:hover {
  background: var(--te-blue-hover);
  border-color: var(--te-blue-hover);
  color: #fff;
}
select {
  font-family: inherit;
  font-size: 14px;
  padding: 7px 10px;
  background: var(--bg);
  color: var(--text-dark);
  border: 1px solid var(--border);
  border-radius: 6px;
}

/* ---- layout ---- */
.layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  padding: 16px;
  max-width: 1700px;
  margin: 0 auto;
}
@media (min-width: 1200px) {
  .layout { grid-template-columns: 360px 1fr 360px; }
}

.panel {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  box-shadow: var(--shadow-sm);
  padding: 18px;
}
.panel h2 {
  font-size: 13px; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.04em;
  color: var(--text-muted);
  margin: 0 0 14px 0;
}
.panel h3 {
  font-size: 14px; font-weight: 600; color: var(--text-dark);
  margin: 20px 0 8px 0;
}

/* ---- form fields ---- */
.field { display: flex; flex-direction: column; margin-bottom: 12px; }
.field label { font-size: 12px; color: var(--text-muted); margin-bottom: 4px; }
.field input[type="number"], .field input[type="text"], .field textarea {
  font-family: inherit; font-size: 14px; padding: 8px 10px;
  border: 1px solid var(--border); border-radius: 6px;
  background: var(--bg); color: var(--text-dark);
  width: 100%;
}
.field textarea {
  resize: vertical; min-height: 60px;
  font-size: 13px; line-height: 1.4;
}
.field input:focus, .field textarea:focus {
  outline: none; border-color: var(--te-blue);
  box-shadow: 0 0 0 3px rgba(23,118,200,0.12);
}
.field textarea { resize: vertical; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.phase-row { display: grid; grid-template-columns: 1.4fr 1fr; gap: 10px; align-items: end; margin-bottom: 10px; }
.suffix { font-size: 12px; color: var(--text-muted); align-self: center; }

/* ---- allocation sliders ---- */
.alloc-slider {
  display: grid;
  grid-template-columns: 60px 1fr 44px;
  align-items: center;
  gap: 10px;
  margin-bottom: 8px;
}
.alloc-slider label { font-size: 13px; color: var(--text-dark); }
.alloc-slider input[type="range"] { width: 100%; accent-color: var(--te-blue); }
.alloc-slider .pct {
  font-size: 13px; font-variant-numeric: tabular-nums;
  color: var(--text-dark); text-align: right;
}
.alloc-total { text-align: right; font-size: 12px; margin-top: 4px; font-variant-numeric: tabular-nums; }
.alloc-total.ok   { color: var(--ok); }
.alloc-total.warn { color: var(--warn); }

.preset-buttons { display: flex; gap: 6px; margin-bottom: 10px; flex-wrap: wrap; }
.preset-buttons button { padding: 6px 10px; font-size: 12px; }

.return-row {
  display: flex; align-items: center; gap: 10px; margin-top: 6px;
}
.return-row label {
  font-size: 12px; color: var(--text-muted);
  display: flex; align-items: center; gap: 4px;
}
.return-row input[type="number"] {
  width: 80px; font-family: inherit; font-size: 14px;
  padding: 6px 8px; border: 1px solid var(--border); border-radius: 6px;
}
.return-row input[type="number"]:disabled { background: var(--bg-soft); color: var(--text-muted); }
.expected-readout {
  margin-top: 8px; font-size: 13px; color: var(--text-muted);
}
.expected-readout strong { color: var(--text-dark); font-variant-numeric: tabular-nums; }

/* ---- starting capital becomes derived when detailed mode on ---- */
.field input[type="number"].derived {
  background: var(--bg-soft);
  color: var(--text-muted);
  cursor: not-allowed;
}

/* ---- detailed account mix block ---- */
#accountMixFields {
  margin-top: 6px;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--bg-soft);
}
#accountMixFields .field { margin-bottom: 8px; }
#accountMixFields .field:last-of-type { margin-bottom: 4px; }
.account-total {
  font-size: 12px; color: var(--text-muted);
  text-align: right; margin-top: 6px;
  font-variant-numeric: tabular-nums;
}
.account-total.match  { color: var(--ok); }
.account-total.mismatch { color: var(--warn); }

/* ---- withdrawal strategy radio block ---- */
.strategy-block {
  display: flex; flex-direction: column; gap: 6px;
  padding: 4px 0;
}
.strategy-block.disabled { opacity: 0.45; pointer-events: none; }
.radio-row {
  display: flex; align-items: flex-start; gap: 8px;
  padding: 6px 8px; border-radius: 6px;
  cursor: pointer;
  font-size: 13px;
}
.radio-row:hover { background: var(--bg-soft); }
.radio-row input[type="radio"] { margin-top: 3px; accent-color: var(--te-blue); }
.radio-row .hint { color: var(--text-muted); font-size: 11.5px; }

/* ---- tax summary rows (only shown when accountMix on) ---- */
.summary-row.tax-summary { border-top: 1px dashed var(--border); padding-top: 10px; margin-top: 4px; }

/* ---- dynamic rows (incomes, lumps) ---- */
.dyn-list { display: flex; flex-direction: column; gap: 6px; margin-bottom: 6px; }
.dyn-header {
  display: grid;
  grid-template-columns: 1fr 90px 60px 60px 28px;
  gap: 5px;
  font-size: 10px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 600;
  padding: 0 4px;
}
.dyn-header-lumps {
  grid-template-columns: 1fr 90px 60px 28px;
}
.dyn-header-incomes {
  grid-template-columns: 1fr 80px 75px 80px 65px 65px 28px;
}
.dyn-row {
  display: grid;
  grid-template-columns: 1fr 90px 60px 60px 28px;
  gap: 5px;
  align-items: center;
}
.dyn-row-lumps {
  grid-template-columns: 1fr 90px 60px 28px;
}
.dyn-row-incomes {
  grid-template-columns: 1fr 80px 75px 80px 65px 65px 28px;
}
.dyn-row input, .dyn-row select {
  font-family: inherit; font-size: 12px; padding: 5px 6px;
  border: 1px solid var(--border); border-radius: 5px;
  background: var(--bg); width: 100%;
}
.clawback-cell { color: #c2410c; font-weight: 600; }
.dyn-row .remove {
  padding: 2px 0; font-size: 14px; line-height: 1;
  border-radius: 5px; background: var(--bg-soft);
  border-color: var(--border); color: var(--text-muted);
}
.dyn-row .remove:hover { color: var(--fail); border-color: var(--fail); }

/* ---- chart panel ---- */
.chart-wrap { position: relative; height: 380px; }
@media (min-width: 1200px) { .chart-wrap { height: 460px; } }

/* ---- summary panel ---- */
.summary-row { display: flex; flex-direction: column; margin-bottom: 14px; }
.summary-row .label {
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.05em;
  color: var(--text-muted); margin-bottom: 3px;
}
.summary-row .value {
  font-size: 16px; font-weight: 600; color: var(--text-dark);
  font-variant-numeric: tabular-nums;
}
.verdict-ok   { color: var(--ok);   font-weight: 600; }
.verdict-warn { color: var(--warn); font-weight: 600; }
.verdict-fail { color: var(--fail); font-weight: 600; }

/* ---- sensitivity ---- */
.sens-controls { display: flex; gap: 8px; margin-bottom: 8px; }
.sens-controls .field { margin-bottom: 0; }
.sens-table {
  width: 100%; border-collapse: collapse; font-size: 13px;
}
.sens-table th, .sens-table td {
  padding: 6px 8px; text-align: left; border-bottom: 1px solid var(--border);
}
.sens-table th {
  font-weight: 600; font-size: 11px;
  text-transform: uppercase; letter-spacing: 0.03em; color: var(--text-muted);
}
.sens-table tr.active { background: rgba(23,118,200,0.07); }
.sens-table .pass { color: var(--ok);   font-weight: 600; font-size: 11px; }
.sens-table .fail { color: var(--fail); font-weight: 600; font-size: 11px; }

/* ---- year-by-year ---- */
.year-table-wrap {
  margin-top: 12px;
  max-height: 380px;
  overflow-y: auto;
  border: 1px solid var(--border);
  border-radius: 6px;
}
.year-table {
  width: 100%; border-collapse: collapse;
  font-size: 12px; font-variant-numeric: tabular-nums;
}
.year-table th, .year-table td {
  padding: 5px 8px; text-align: right; border-bottom: 1px solid var(--border);
}
.year-table th {
  position: sticky; top: 0; background: var(--bg-soft);
  font-weight: 600; font-size: 11px;
  text-transform: uppercase; letter-spacing: 0.03em; color: var(--text-muted);
}
.year-table th:first-child, .year-table td:first-child { text-align: left; }
.year-table tr.depleted td { color: var(--fail); }
.lump-badge {
  display: inline-block; padding: 1px 5px; font-size: 10px;
  background: rgba(22,163,74,0.10); color: var(--ok); border-radius: 4px;
  margin-left: 4px;
}

details > summary {
  cursor: pointer; font-size: 13px; color: var(--te-blue);
  font-weight: 600; margin-top: 4px;
}
details > summary:hover { color: var(--te-blue-hover); }

/* ---- Monte Carlo ---- */
.mc-controls {
  display: flex; align-items: end; gap: 12px; margin-bottom: 12px; flex-wrap: wrap;
}
.mc-controls .field { margin-bottom: 0; }
.mc-status {
  font-size: 12px; color: var(--text-muted); margin-left: auto;
  align-self: center;
}
.mc-headline {
  display: flex; align-items: baseline; gap: 12px;
  padding: 14px 16px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 8px;
  margin-bottom: 12px;
}
.mc-success { font-size: 36px; font-weight: 700; line-height: 1; font-variant-numeric: tabular-nums; }
.mc-success-label { font-size: 13px; color: var(--text-muted); }
.mc-pct-table {
  width: 100%; border-collapse: collapse; font-size: 13px;
  font-variant-numeric: tabular-nums;
}
.mc-pct-table th, .mc-pct-table td {
  padding: 6px 8px; border-bottom: 1px solid var(--border);
}
.mc-pct-table th { font-weight: 600; font-size: 11px; text-transform: uppercase; color: var(--text-muted); }
.mc-pct-table td:last-child { text-align: right; }
.mc-pct-table tr.median { background: rgba(23,118,200,0.05); font-weight: 600; }

/* ---- stress test + compare controls ---- */
.stress-controls, .compare-controls {
  display: flex; align-items: center; gap: 8px; margin-bottom: 8px; flex-wrap: wrap;
}
.stress-controls button[data-stress] {
  padding: 6px 12px; font-size: 12px;
}
.stress-controls button[data-stress]:hover {
  border-color: #ea580c; color: #ea580c;
}
.compare-controls select { min-width: 200px; }

.stress-result, .compare-result { min-height: 4px; }
.stress-result:empty, .compare-result:empty { display: none; }

.overlay-banner {
  display: flex; align-items: center; gap: 10px; flex-wrap: wrap;
  padding: 10px 14px;
  border-radius: 8px;
  font-size: 13px;
  margin-top: 8px;
  border: 1px solid var(--border);
  background: var(--bg-soft);
}
.overlay-banner .dot {
  display: inline-block; width: 10px; height: 10px; border-radius: 50%;
}
.overlay-banner.stress .dot {
  background: #ea580c;
  box-shadow: 0 0 0 2px rgba(234,88,12,0.18);
}
.overlay-banner.stress {
  border-color: rgba(234,88,12,0.30);
  background: rgba(234,88,12,0.05);
}
.overlay-banner.compare .dot {
  background: #16a34a;
  box-shadow: 0 0 0 2px rgba(22,163,74,0.18);
}
.overlay-banner.compare {
  border-color: rgba(22,163,74,0.30);
  background: rgba(22,163,74,0.05);
}
.overlay-banner strong { font-weight: 600; }
.overlay-verdict { font-weight: 500; }
.overlay-extra { color: var(--text-muted); font-size: 12px; margin-left: auto; }

/* ---- spending optimizer ---- */
.opt-tip {
  font-size: 13px; color: var(--text-muted);
  margin: 0 0 12px 0; line-height: 1.5;
}
.opt-status {
  font-size: 12px; color: var(--text-muted);
  margin-top: 6px; min-height: 16px;
}
.opt-grid {
  display: grid; gap: 12px;
  grid-template-columns: 1fr;
  margin-top: 14px;
}
@media (min-width: 700px) {
  .opt-grid { grid-template-columns: 1fr 1fr 1fr; }
}
.opt-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-top: 4px solid var(--te-blue);
  border-radius: 10px;
  padding: 14px;
  display: flex; flex-direction: column; gap: 8px;
}
.opt-card.opt-90 { border-top-color: var(--ok); }
.opt-card.opt-80 { border-top-color: var(--te-blue); }
.opt-card.opt-70 { border-top-color: var(--warn); }
.opt-card-label {
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.05em;
  color: var(--text-muted); font-weight: 600;
}
.opt-card-success {
  font-size: 22px; font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.opt-90 .opt-card-success { color: var(--ok); }
.opt-80 .opt-card-success { color: var(--te-blue); }
.opt-70 .opt-card-success { color: var(--warn); }
.opt-card-spending {
  display: flex; flex-direction: column; gap: 4px;
  font-size: 12.5px;
}
.opt-phase {
  display: flex; justify-content: space-between;
  font-variant-numeric: tabular-nums;
}
.opt-phase span { color: var(--text-muted); }
.opt-card-end {
  font-size: 12px; color: var(--text-muted);
  border-top: 1px dashed var(--border);
  padding-top: 6px; margin-top: 2px;
}
.opt-card-end strong { color: var(--text-dark); font-variant-numeric: tabular-nums; }
.opt-apply {
  margin-top: auto;
  padding: 9px 12px;
  font-size: 13px;
}
.ai-opt-btn {
  margin-top: 14px;
  background: var(--bg);
  border: 1px solid var(--te-blue);
  color: var(--te-blue);
  font-weight: 600;
}
.ai-opt-btn:hover {
  background: var(--te-blue);
  color: #fff;
}

/* ---- AI Analysis ---- */
.ai-controls { display: flex; align-items: center; gap: 12px; margin-bottom: 8px; }
.ai-status { font-size: 12px; color: var(--text-muted); }
.ai-stale-badge {
  display: flex; align-items: center; gap: 8px;
  padding: 9px 14px;
  background: rgba(217,119,6,0.08);
  border: 1px solid rgba(217,119,6,0.30);
  border-radius: 8px;
  color: var(--warn);
  font-size: 13px;
  margin-top: 8px;
}
.ai-stale-badge strong { color: #92400e; font-weight: 700; letter-spacing: 0.05em; }

.ai-output {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 16px 20px;
  margin-top: 8px;
  font-size: 13.5px; line-height: 1.55;
  color: var(--text-dark);
  min-height: 40px;
}
.ai-output:empty { display: none; }
.ai-output h2 { font-size: 16px; margin: 18px 0 8px 0; color: var(--text-dark); }
.ai-output h3, .ai-output h4 {
  font-size: 13px; margin: 16px 0 6px 0;
  font-weight: 700; color: var(--te-blue); text-transform: none; letter-spacing: 0;
}
.ai-output h4 { font-size: 12.5px; }
.ai-output h3:first-child, .ai-output h4:first-child { margin-top: 0; }
.ai-output p { margin: 6px 0; }
.ai-output ul { margin: 6px 0 6px 18px; padding: 0; }
.ai-output li { margin: 3px 0; }
.ai-output code {
  background: rgba(23,118,200,0.08); color: var(--te-blue);
  padding: 1px 5px; border-radius: 3px; font-size: 12px;
}
.ai-output strong { color: var(--text-dark); }
.ai-meta { font-size: 11px; color: var(--text-muted); margin-top: 6px; text-align: right; }
.ai-meta:empty { display: none; }

/* ---- tooltips (CSS-only, hover + focus) ---- */
[data-tooltip] { position: relative; }
[data-tooltip]::after {
  content: attr(data-tooltip);
  position: absolute;
  left: 50%;
  bottom: calc(100% + 6px);
  transform: translateX(-50%);
  background: #0f172a;
  color: #fff;
  padding: 6px 10px;
  border-radius: 6px;
  font-size: 11.5px;
  font-weight: 400;
  line-height: 1.4;
  white-space: normal;
  width: max-content;
  max-width: 260px;
  text-align: left;
  pointer-events: none;
  opacity: 0;
  transform-origin: bottom center;
  transform: translateX(-50%) translateY(4px);
  transition: opacity 0.12s ease, transform 0.12s ease;
  z-index: 50;
  box-shadow: 0 4px 12px rgba(0,0,0,0.18);
  text-transform: none;
  letter-spacing: 0;
}
[data-tooltip]::before {
  content: '';
  position: absolute;
  left: 50%;
  bottom: calc(100% + 2px);
  transform: translateX(-50%);
  border: 4px solid transparent;
  border-top-color: #0f172a;
  pointer-events: none;
  opacity: 0;
  transition: opacity 0.12s ease;
  z-index: 51;
}
[data-tooltip]:hover::after,
[data-tooltip]:focus-visible::after {
  opacity: 1;
  transform: translateX(-50%) translateY(0);
}
[data-tooltip]:hover::before,
[data-tooltip]:focus-visible::before { opacity: 1; }
[data-tooltip-pos="bottom"]::after {
  bottom: auto;
  top: calc(100% + 6px);
  transform: translateX(-50%) translateY(-4px);
}
[data-tooltip-pos="bottom"]::before {
  bottom: auto;
  top: calc(100% + 2px);
  border-top-color: transparent;
  border-bottom-color: #0f172a;
}
[data-tooltip-pos="bottom"]:hover::after,
[data-tooltip-pos="bottom"]:focus-visible::after {
  transform: translateX(-50%) translateY(0);
}
[data-tooltip-pos="left"]::after {
  bottom: 50%; left: auto; right: calc(100% + 8px);
  transform: translateY(50%) translateX(4px);
}
[data-tooltip-pos="left"]::before {
  bottom: 50%; left: auto; right: calc(100% + 4px);
  transform: translateY(50%);
  border-top-color: transparent;
  border-left-color: #0f172a;
}
[data-tooltip-pos="left"]:hover::after,
[data-tooltip-pos="left"]:focus-visible::after {
  transform: translateY(50%) translateX(0);
}
[data-tooltip-pos="right"]::after {
  bottom: 50%; left: calc(100% + 8px); right: auto;
  transform: translateY(50%) translateX(-4px);
}
[data-tooltip-pos="right"]::before {
  bottom: 50%; left: calc(100% + 4px); right: auto;
  transform: translateY(50%);
  border-top-color: transparent;
  border-right-color: #0f172a;
}
[data-tooltip-pos="right"]:hover::after,
[data-tooltip-pos="right"]:focus-visible::after {
  transform: translateY(50%) translateX(0);
}
@media (hover: none) {
  [data-tooltip]::after, [data-tooltip]::before { display: none; }
}

/* ---- spinner + loading states ---- */
.spinner {
  display: inline-block;
  width: 14px; height: 14px;
  border: 2px solid var(--border);
  border-top-color: var(--te-blue);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  vertical-align: -3px;
  margin-right: 6px;
}
.spinner.lg { width: 22px; height: 22px; border-width: 3px; margin-right: 10px; }
@keyframes spin { to { transform: rotate(360deg); } }

.pulse {
  animation: pulse 1.4s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50%      { opacity: 0.55; }
}

.ai-loading {
  display: flex; align-items: center; gap: 10px;
  padding: 12px 14px;
  background: rgba(23,118,200,0.06);
  border: 1px dashed rgba(23,118,200,0.35);
  border-radius: 8px;
  font-size: 13px;
  color: var(--te-blue);
  margin-top: 8px;
}
.ai-loading-text { font-weight: 600; }
.ai-loading-counter {
  margin-left: auto;
  font-variant-numeric: tabular-nums;
  color: var(--text-muted);
  font-weight: 400;
}

/* ---- welcome banner ---- */
.welcome-banner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px;
  padding: 10px 22px;
  background: rgba(23,118,200,0.08);
  border-bottom: 1px solid rgba(23,118,200,0.25);
  font-size: 13.5px;
  color: var(--text-dark);
}
.welcome-banner strong { color: var(--te-blue); }
.welcome-close {
  background: transparent; border: none;
  font-size: 22px; line-height: 1; padding: 0 6px;
  color: var(--text-muted); cursor: pointer;
  border-radius: 4px;
}
.welcome-close:hover { color: var(--text-dark); background: rgba(0,0,0,0.04); }

/* ---- currency shadow text under inputs ---- */
.field-fmt {
  font-size: 11px;
  color: var(--text-muted);
  margin-top: 3px;
  font-variant-numeric: tabular-nums;
  line-height: 1.2;
  min-height: 13px;
}

/* ---- tabs (MC / Stress / Compare / AI) ---- */
.tabs {
  display: flex; flex-direction: column;
  border-top: 1px solid var(--border);
  padding-top: 4px;
}
.tab-strip {
  display: flex;
  gap: 2px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 14px;
  overflow-x: auto;
}
.tab-strip button.tab-btn {
  background: transparent;
  border: none;
  border-bottom: 2px solid transparent;
  padding: 10px 16px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-muted);
  cursor: pointer;
  white-space: nowrap;
  margin-bottom: -1px;
  border-radius: 0;
  transition: color 0.15s, border-color 0.15s;
}
.tab-strip button.tab-btn:hover {
  color: var(--te-blue);
  border-color: rgba(23,118,200,0.30);
}
.tab-strip button.tab-btn.active {
  color: var(--te-blue);
  font-weight: 600;
  border-color: var(--te-blue);
}
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: fadeIn 0.18s ease; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.tab-panel > h3:first-child { margin-top: 0; }

/* ---- link-style button (Reset to defaults) ---- */
.reset-row { text-align: center; margin-top: 18px; padding-top: 12px; border-top: 1px dashed var(--border); }
.link-btn {
  background: transparent; border: none;
  color: var(--text-muted);
  text-decoration: underline;
  cursor: pointer;
  padding: 4px 8px;
  font-size: 12px;
  font-family: inherit;
}
.link-btn:hover { color: var(--fail); border-color: transparent; }

/* ---- modal (guide) ---- */
.modal {
  position: fixed; inset: 0;
  display: none;
  z-index: 1000;
}
.modal.open { display: block; }
.modal-backdrop {
  position: absolute; inset: 0;
  background: rgba(15,23,42,0.55);
  backdrop-filter: blur(2px);
}
.modal-panel {
  position: relative;
  margin: 4vh auto;
  width: min(960px, 94vw);
  max-height: 92vh;
  background: var(--bg);
  border-radius: 12px;
  box-shadow: 0 24px 64px rgba(0,0,0,0.30);
  display: flex; flex-direction: column;
  overflow: hidden;
}
.modal-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 22px;
  border-bottom: 1px solid var(--border);
  background: var(--bg-soft);
}
.modal-header h2 {
  margin: 0; font-size: 16px; font-weight: 600;
  color: var(--text-dark);
}
.modal-close {
  border: none; background: transparent;
  font-size: 26px; line-height: 1;
  padding: 0 4px; cursor: pointer;
  color: var(--text-muted);
}
.modal-close:hover { color: var(--text-dark); }
.modal-body {
  flex: 1; min-height: 0;
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 0;
  overflow: hidden;
}
@media (max-width: 760px) {
  .modal-body { grid-template-columns: 1fr; }
  .guide-toc { display: none; }
}

.guide-toc {
  border-right: 1px solid var(--border);
  padding: 18px 16px;
  overflow-y: auto;
  background: var(--bg-soft);
}
.guide-toc h4 {
  margin: 0 0 10px 0;
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.05em;
  color: var(--text-muted); font-weight: 600;
}
.guide-toc ol {
  margin: 0; padding: 0; list-style: none;
  counter-reset: tocitem;
}
.guide-toc li {
  counter-increment: tocitem;
  margin: 0;
}
.guide-toc a {
  display: block;
  padding: 5px 8px;
  font-size: 12.5px;
  color: var(--text-dark);
  border-radius: 4px;
  text-decoration: none;
  line-height: 1.3;
}
.guide-toc a::before {
  content: counter(tocitem) ". ";
  color: var(--text-muted);
}
.guide-toc a:hover {
  background: rgba(23,118,200,0.08);
  color: var(--te-blue);
}

.guide-content {
  padding: 22px 28px;
  overflow-y: auto;
  font-size: 14px; line-height: 1.6;
  color: var(--text-dark);
}
.guide-content section { margin-bottom: 28px; scroll-margin-top: 12px; }
.guide-content section:last-child { margin-bottom: 4px; }
.guide-content h3 {
  margin: 0 0 10px 0;
  font-size: 16px; font-weight: 700; color: var(--text-dark);
  border-bottom: 2px solid var(--te-blue);
  padding-bottom: 6px;
  display: inline-block;
}
.guide-content p { margin: 8px 0; }
.guide-content ul, .guide-content ol {
  margin: 8px 0 8px 22px; padding: 0;
}
.guide-content li { margin: 4px 0; }
.guide-content strong { color: var(--text-dark); font-weight: 600; }
.guide-content em { color: var(--text-muted); }
.guide-content table {
  width: 100%; border-collapse: collapse; margin: 10px 0;
  font-size: 13px;
}
.guide-content th, .guide-content td {
  padding: 6px 10px; text-align: left;
  border-bottom: 1px solid var(--border);
}
.guide-content th {
  font-weight: 600; font-size: 11px;
  text-transform: uppercase; letter-spacing: 0.03em;
  color: var(--text-muted);
  background: var(--bg-soft);
}
.guide-content .callout {
  background: rgba(23,118,200,0.06);
  border-left: 3px solid var(--te-blue);
  padding: 10px 14px;
  margin: 10px 0;
  border-radius: 0 6px 6px 0;
  font-size: 13.5px;
}
.guide-content .pitfall {
  background: rgba(217,119,6,0.07);
  border-left: 3px solid var(--warn);
  padding: 10px 14px;
  margin: 10px 0;
  border-radius: 0 6px 6px 0;
  font-size: 13.5px;
}

/* ---- print-only header (hidden on screen, shown when printing) ---- */
.print-header { display: none; }
.print-inputs-summary { display: none; }

/* ---- @media print: clean one-page report ---- */
@media print {
  @page {
    size: letter;
    margin: 0.45in 0.5in 0.55in 0.5in;
  }
  html, body {
    background: #fff !important;
    color: #000 !important;
    font-size: 10pt;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }

  /* Nuke all the screen chrome we don't want in the report */
  .topbar, .footer, .modal, .welcome-banner { display: none !important; }
  [data-tooltip]::after, [data-tooltip]::before { display: none !important; }

  /* ---- Hide the entire Inputs panel — we render a structured summary in the print header instead ---- */
  .layout > section.panel:first-child { display: none !important; }

  /* ---- Print header ---- */
  .print-header {
    display: block !important;
    border-bottom: 2px solid #1776C8;
    padding-bottom: 10px;
    margin-bottom: 12px;
  }
  .print-header h1 { margin: 0; font-size: 18pt; color: #0f172a; }
  .print-meta { font-size: 10pt; color: #555; margin-top: 3px; }
  .print-notes {
    font-size: 9.5pt; color: #333; margin-top: 6px;
    font-style: italic; padding: 6px 10px;
    background: #f8fafc; border-left: 3px solid #1776C8;
  }
  .print-notes:empty { display: none; }

  /* ---- Structured inputs summary ---- */
  .print-inputs-summary {
    display: block !important;
    margin-top: 12px;
    font-size: 9.5pt;
    color: #222;
  }
  .pi-row {
    display: grid;
    grid-template-columns: 75px 1fr;
    gap: 8px;
    padding: 3px 0;
    border-bottom: 1px dotted #eee;
  }
  .pi-row:last-child { border-bottom: none; }
  .pi-k {
    font-size: 9pt;
    color: #888;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    font-weight: 600;
  }
  .pi-v { color: #0f172a; line-height: 1.5; }
  .pi-v strong { color: #000; font-weight: 700; }

  /* ---- Layout: stack the remaining panels full width ---- */
  .layout {
    display: block !important;
    max-width: none !important;
    padding: 0 !important;
    margin: 0 !important;
    gap: 0 !important;
  }
  .panel {
    box-shadow: none !important;
    border: none !important;
    background: transparent !important;
    padding: 0 !important;
    margin-bottom: 12px !important;
  }
  .panel h2 {
    font-size: 9pt; color: #1776C8 !important;
    border-bottom: 1px solid #ddd;
    padding-bottom: 3px;
    margin: 12px 0 8px 0;
    text-transform: uppercase; letter-spacing: 0.05em; font-weight: 700;
  }
  .panel h3 {
    font-size: 10pt; margin: 10px 0 4px 0; color: #0f172a;
  }

  /* ---- Show ALL tabs during print ---- */
  .tab-strip { display: none !important; }
  .tab-panel { display: none !important; }
  .tab-panel.print-show { display: block !important; }
  .tabs { border-top: 1px solid #ddd !important; padding-top: 8px !important; }
  .preset-buttons, .stress-controls, .compare-controls,
  .mc-controls, .ai-controls, .sens-controls,
  #runMcBtn, #runAiBtn, .reset-row { display: none !important; }
  .ai-status:empty, .mc-status:empty { display: none !important; }
  .ai-status, .mc-status { font-size: 8.5pt; color: #888; }

  /* ---- Chart: force a sensible printed size ---- */
  .chart-wrap {
    height: 320px !important;
    max-height: 320px !important;
    width: 100% !important;
    page-break-inside: avoid;
    break-inside: avoid;
  }
  #chart { width: 100% !important; }

  /* ---- Year-by-year details: force open + visible ---- */
  details > summary { display: none !important; }
  details, details[open] { display: block !important; }
  .year-table-wrap {
    display: block !important;
    max-height: none !important;
    overflow: visible !important;
    border: 1px solid #ccc !important;
    page-break-inside: auto;
  }
  .year-table { font-size: 8pt !important; }
  .year-table th { background: #f3f4f6 !important; color: #555 !important; }
  .year-table tr.depleted td { color: #b91c1c !important; }

  /* ---- Tables ---- */
  .sens-table { font-size: 9pt !important; }
  .sens-table tr.active { background: #e7f0fa !important; }
  .sens-table .pass { color: #166534 !important; font-weight: 700; }
  .sens-table .fail { color: #b91c1c !important; font-weight: 700; }
  .mc-pct-table { font-size: 9pt !important; }
  .mc-pct-table tr.median { background: #e7f0fa !important; font-weight: 700; }

  /* ---- MC headline ---- */
  .mc-headline {
    background: #f8fafc !important;
    border: 1px solid #ddd !important;
    padding: 10px 14px !important;
  }
  .mc-success { font-size: 22pt !important; }
  .mc-success-label { font-size: 9pt !important; }

  /* ---- AI output ---- */
  .ai-output {
    background: transparent !important;
    border: 1px solid #ddd !important;
    padding: 10px !important;
    font-size: 9.5pt !important;
  }
  .ai-output h3 { color: #1776C8 !important; font-size: 10pt; margin: 8px 0 4px 0; }
  .ai-meta { display: none !important; }
  .ai-loading { display: none !important; }

  /* ---- Overlay banners stay visible ---- */
  .overlay-banner { padding: 6px 10px !important; font-size: 9pt !important; }
  .overlay-extra { color: #555 !important; }

  /* ---- Page break controls so big sections don't get clipped ---- */
  .panel { page-break-inside: auto; }
  .chart-wrap, .mc-headline, .overlay-banner {
    page-break-inside: avoid; break-inside: avoid;
  }
}

/* ---- login modal (polished, single-column) ---- */
#authModal .modal-panel {
  width: min(420px, 94vw);
  max-height: none;
  position: relative;
  overflow: visible;
  border-radius: 14px;
}
.auth-close {
  position: absolute; top: 12px; right: 12px;
  width: 32px; height: 32px;
  background: transparent; border: none;
  font-size: 22px; line-height: 1; color: var(--text-muted);
  cursor: pointer; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  z-index: 2;
}
.auth-close:hover { background: var(--bg-soft); color: var(--text-dark); }

.auth-body {
  padding: 32px 36px 24px 36px;
  display: block;
}

.auth-title {
  font-size: 20px; font-weight: 700;
  color: var(--text-dark);
  margin: 0 0 6px 0;
  text-align: center;
}
.auth-blurb {
  font-size: 13px; color: var(--text-muted);
  margin: 0 0 22px 0; line-height: 1.5;
  text-align: center;
}

/* Google button — branded, primary action */
.auth-google-btn {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  width: 100%; padding: 11px 14px;
  background: #fff;
  color: #1f1f1f;
  border: 1px solid #dadce0;
  border-radius: 8px;
  font-size: 14px; font-weight: 500;
  font-family: inherit;
  cursor: pointer;
  transition: box-shadow 0.15s ease, background 0.15s ease;
}
.auth-google-btn:hover {
  background: #f8f9fa;
  box-shadow: 0 1px 3px rgba(60,64,67,0.15);
  color: #1f1f1f;
  border-color: #dadce0;
}
.auth-google-btn:active { background: #f1f3f4; }

.auth-divider {
  display: flex; align-items: center; gap: 12px;
  margin: 20px 0;
  font-size: 11px; color: var(--text-muted);
  text-transform: uppercase; letter-spacing: 0.08em;
  font-weight: 500;
}
.auth-divider::before, .auth-divider::after {
  content: ''; flex: 1; height: 1px; background: var(--border);
}

/* Email form */
.auth-form { display: flex; flex-direction: column; gap: 14px; }
.auth-field { display: flex; flex-direction: column; }
.auth-field-label {
  font-size: 12px; font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 5px;
}
.auth-field input {
  font-family: inherit; font-size: 14px;
  padding: 11px 12px;
  background: var(--bg);
  color: var(--text-dark);
  border: 1px solid var(--border);
  border-radius: 8px;
  transition: border-color 0.12s, box-shadow 0.12s;
}
.auth-field input::placeholder { color: #94a3b8; }
.auth-field input:focus {
  outline: none;
  border-color: var(--te-blue);
  box-shadow: 0 0 0 3px rgba(23,118,200,0.14);
}
.auth-submit {
  width: 100%; padding: 12px;
  font-size: 14px; font-weight: 600;
  background: var(--te-blue); color: #fff;
  border: 1px solid var(--te-blue);
  border-radius: 8px;
  cursor: pointer;
  margin-top: 4px;
  transition: background 0.12s;
}
.auth-submit:hover { background: var(--te-blue-hover); border-color: var(--te-blue-hover); color: #fff; }
.auth-submit:disabled { opacity: 0.6; cursor: wait; }

/* Magic-link as a subtle text link, not a competing button */
.auth-magic-link {
  display: block; width: 100%;
  text-align: center;
  background: transparent; border: none;
  font-family: inherit; font-size: 13px; color: var(--te-blue);
  padding: 12px 0 8px 0;
  cursor: pointer;
}
.auth-magic-link:hover { color: var(--te-blue-hover); text-decoration: underline; }
.auth-magic-link:disabled { opacity: 0.5; cursor: wait; }

.auth-status {
  font-size: 13px;
  text-align: center;
  padding: 6px 0;
  min-height: 18px;
  line-height: 1.4;
}
.auth-status:empty { padding: 0; min-height: 0; }

/* Sign in / Sign up toggle */
.auth-toggle {
  text-align: center; font-size: 13px;
  margin-top: 14px; padding-top: 14px;
  border-top: 1px solid var(--border);
  color: var(--text-muted);
}
.auth-toggle-btn {
  background: transparent; border: none;
  color: var(--te-blue);
  font: inherit; font-weight: 600;
  cursor: pointer;
  padding: 2px 4px;
  margin-left: 4px;
}
.auth-toggle-btn:hover { color: var(--te-blue-hover); text-decoration: underline; }

.auth-tos {
  font-size: 11px; color: var(--text-muted);
  text-align: center;
  margin: 10px 0 0 0;
  line-height: 1.4;
}

/* ---- My Account modal ---- */
#accountModal .modal-panel {
  width: min(480px, 94vw);
  max-height: none;
  position: relative;
  overflow: visible;
  border-radius: 14px;
}
.account-modal-body { padding: 32px 32px 24px 32px; display: block; }
.account-modal-head {
  display: flex; align-items: center; gap: 14px;
  padding-bottom: 18px; margin-bottom: 18px;
  border-bottom: 1px solid var(--border);
}
.avatar-circle-xl {
  width: 56px; height: 56px;
  font-size: 18px;
}
.account-modal-name {
  font-size: 18px; font-weight: 700; color: var(--text-dark);
  margin: 0; line-height: 1.1;
}
.account-modal-email {
  font-size: 13px; color: var(--text-muted); margin-top: 4px;
}
.account-form {
  display: flex; flex-direction: column; gap: 12px;
  margin-bottom: 18px;
}
.account-field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.account-field { display: flex; flex-direction: column; }
.account-field span {
  font-size: 12px; font-weight: 600; color: var(--text-dark);
  margin-bottom: 5px;
}
.account-field input {
  font-family: inherit; font-size: 14px;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--bg);
  color: var(--text-dark);
}
.account-field input:focus {
  outline: none;
  border-color: var(--te-blue);
  box-shadow: 0 0 0 3px rgba(23,118,200,0.14);
}

.account-info-grid {
  display: flex; flex-direction: column;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 4px 14px;
  margin-bottom: 14px;
}
.account-info-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 9px 0;
  font-size: 13px;
  border-bottom: 1px dashed var(--border);
}
.account-info-row:last-child { border-bottom: none; }
.account-info-label { color: var(--text-muted); }
.account-info-val {
  color: var(--text-dark); font-weight: 500;
  font-variant-numeric: tabular-nums;
  text-align: right;
  max-width: 60%;
  overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
}

/* ---- header tab switcher (Planner | Research) ---- */
.header-tabs {
  display: flex; gap: 4px;
  margin-right: auto;  /* push to the left of the actions */
}
.header-tab {
  background: transparent;
  border: none;
  padding: 8px 12px;
  font-size: 17px; font-weight: 600;
  font-family: inherit;
  color: var(--text-muted);
  cursor: pointer;
  border-radius: 0;
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
}
.header-tab:hover { color: var(--text-dark); border-color: rgba(23,118,200,0.30); }
.header-tab.active {
  color: var(--te-blue);
  border-bottom-color: var(--te-blue);
}

/* ---- research view ---- */
.research-view {
  max-width: 1400px;
  margin: 0 auto;
  padding: 24px 22px 40px 22px;
}
.research-subnav {
  display: flex; gap: 4px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 22px;
  overflow-x: auto;
}
.research-subtab {
  background: transparent; border: none;
  padding: 10px 16px;
  font-size: 14px; font-weight: 500;
  font-family: inherit;
  color: var(--text-muted);
  cursor: pointer;
  border-radius: 0;
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  white-space: nowrap;
}
.research-subtab:hover { color: var(--te-blue); border-color: rgba(23,118,200,0.30); }
.research-subtab.active {
  color: var(--te-blue); font-weight: 600;
  border-bottom-color: var(--te-blue);
}
.portfolio-count {
  display: inline-block;
  background: var(--te-blue); color: #fff;
  font-size: 10px; font-weight: 700;
  padding: 1px 6px; border-radius: 10px;
  margin-left: 4px;
  vertical-align: 1px;
}

.research-panel { display: none; }
.research-panel.active { display: block; }

.research-header { margin-bottom: 18px; }
.research-header h2 {
  font-size: 22px; font-weight: 700;
  color: var(--text-dark);
  margin: 0 0 6px 0;
}
.research-intro {
  font-size: 14px; color: var(--text-muted);
  line-height: 1.6;
  margin: 0;
  max-width: 880px;
}
.research-points {
  font-size: 13.5px; color: var(--text-muted);
  line-height: 1.6;
  margin: 10px 0 0 0; padding-left: 20px;
  max-width: 880px;
}
.research-points li { margin: 6px 0; }
.research-points strong { color: var(--text-dark); }
.research-placeholder {
  padding: 40px;
  background: var(--bg-soft);
  border: 1px dashed var(--border);
  border-radius: 10px;
  font-size: 14px; color: var(--text-muted);
  text-align: center;
}

/* ---- ETF card grid ---- */
.etf-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 14px;
}
.etf-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 16px;
  display: flex; flex-direction: column; gap: 12px;
  transition: box-shadow 0.15s, border-color 0.15s;
}
.etf-card:hover { box-shadow: var(--shadow-md); border-color: rgba(23,118,200,0.30); }
.etf-card-head {
  display: flex; justify-content: space-between; align-items: flex-start;
  gap: 10px;
}
.etf-ticker {
  font-size: 18px; font-weight: 700;
  color: var(--te-blue);
  font-variant-numeric: tabular-nums;
}
.etf-name {
  font-size: 13px; color: var(--text-dark);
  margin-top: 2px; line-height: 1.3;
}
.etf-category {
  font-size: 10px; text-transform: uppercase;
  letter-spacing: 0.05em;
  background: var(--bg-soft);
  color: var(--text-muted);
  padding: 3px 8px;
  border-radius: 4px;
  white-space: nowrap;
}
.etf-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px 14px;
  padding: 10px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.etf-stat { display: flex; flex-direction: column; }
.etf-stat span {
  font-size: 10px; text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--text-muted);
}
.etf-stat strong {
  font-size: 13px; color: var(--text-dark);
  font-variant-numeric: tabular-nums;
  margin-top: 2px;
}
.etf-blurb {
  font-size: 12.5px; color: var(--text-dark);
  line-height: 1.5;
  margin: 0;
  flex: 1;
}
.etf-add {
  margin-top: auto;
  padding: 8px 12px;
  font-size: 13px;
  display: flex; align-items: center; justify-content: center; gap: 6px;
}

/* ---- portfolio panel ---- */
.portfolio-empty {
  padding: 40px;
  text-align: center;
  background: var(--bg-soft);
  border: 1px dashed var(--border);
  border-radius: 10px;
  color: var(--text-muted);
}
.portfolio-summary {
  margin-bottom: 24px;
  padding: 18px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
}
.portfolio-summary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 14px;
  margin-bottom: 16px;
}
.ps-card { display: flex; flex-direction: column; gap: 4px; }
.ps-card h4 {
  font-size: 10px; text-transform: uppercase; letter-spacing: 0.05em;
  color: var(--text-muted); font-weight: 600;
  margin: 0 0 8px 0;
}
.ps-big {
  font-size: 22px; font-weight: 700;
  color: var(--text-dark);
  font-variant-numeric: tabular-nums;
}
.ps-sub { font-size: 12px; color: var(--text-muted); }
.ps-row {
  display: flex; justify-content: space-between;
  font-size: 13px;
  padding: 2px 0;
}
.ps-row span { color: var(--text-muted); }
.ps-row strong { color: var(--text-dark); font-variant-numeric: tabular-nums; }

/* ---- portfolio charts ---- */
.portfolio-charts-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
  margin-bottom: 18px;
}
.portfolio-chart {
  padding: 12px 12px 8px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
}
.portfolio-chart-title {
  font-size: 10px; text-transform: uppercase; letter-spacing: 0.05em;
  color: var(--text-muted); font-weight: 600;
  margin-bottom: 8px;
}
.portfolio-chart-canvas {
  position: relative;
  height: 220px;
}

/* ---- planner delta strip ---- */
.planner-delta-strip {
  margin: 8px 0 14px;
  padding: 12px 16px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-left: 3px solid var(--te-blue);
  border-radius: 8px;
}
.pds-title {
  font-size: 12px; font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
  display: inline-flex; align-items: center; gap: 6px;
}
.pds-table { width: 100%; border-collapse: collapse; }
.pds-table th {
  text-align: left;
  font-size: 12px; font-weight: 500;
  color: var(--text-muted);
  padding: 3px 12px 3px 0;
  width: 130px;
}
.pds-table td {
  font-size: 13px;
  padding: 3px 0;
  font-variant-numeric: tabular-nums;
}
.pds-eq { color: var(--text-muted); }
.pds-up { color: #16a34a; font-weight: 600; }
.pds-down { color: #dc2626; font-weight: 600; }

.apply-to-planner {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 16px;
  font-size: 14px; font-weight: 600;
}

.position-group { margin-bottom: 22px; }
.position-group h3 {
  font-size: 14px; font-weight: 700;
  color: var(--text-dark);
  margin: 0 0 8px 0;
  display: flex; justify-content: space-between; align-items: baseline;
}
.position-group-total { color: var(--te-blue); font-variant-numeric: tabular-nums; }
.position-table {
  width: 100%; border-collapse: collapse;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
}
.position-table th, .position-table td {
  padding: 9px 12px;
  text-align: left;
  font-size: 13px;
  border-bottom: 1px solid var(--border);
}
.position-table th {
  background: var(--bg-soft);
  font-size: 10px; text-transform: uppercase; letter-spacing: 0.04em;
  color: var(--text-muted);
}
.position-table tr:last-child td { border-bottom: none; }
/* Asset-class pill — colours match doughnut chart palette */
.ac-pill {
  display: inline-block;
  margin-left: 6px;
  padding: 2px 7px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  border-radius: 4px;
  vertical-align: 1px;
  line-height: 1.3;
}
.ac-equity { background: rgba(23, 118, 200, 0.12); color: #0c5396; }
.ac-bonds  { background: rgba(22, 163, 74, 0.12);  color: #15803d; }
.ac-cash   { background: rgba(234, 88, 12, 0.12);  color: #c2410c; }

.position-remove {
  background: transparent; border: none;
  color: var(--text-muted);
  font-size: 18px; line-height: 1;
  padding: 2px 6px; cursor: pointer;
  border-radius: 4px;
}
.position-remove:hover { color: var(--fail); background: rgba(220,38,38,0.08); }

/* ---- model portfolio builder ---- */
.model-builder {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 22px;
  max-width: 920px;
}
.mb-section { margin-bottom: 22px; }
.mb-section-label {
  font-size: 10px; text-transform: uppercase; letter-spacing: 0.05em;
  color: var(--text-muted); font-weight: 600;
  margin-bottom: 8px;
}
.mb-btn-row { display: flex; gap: 8px; flex-wrap: wrap; }
.mb-risk-btn, .mb-style-btn {
  padding: 10px 18px;
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 13px; font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  transition: all 0.12s;
}
.mb-risk-btn:hover, .mb-style-btn:hover {
  border-color: var(--te-blue-light);
  background: var(--bg-soft);
}
.mb-risk-btn.active, .mb-style-btn.active {
  background: var(--te-blue);
  border-color: var(--te-blue);
  color: white;
}
.mb-help {
  margin: 8px 0 0 0;
  font-size: 12px;
  color: var(--text-muted);
}
.mb-target {
  margin-top: 8px;
  font-size: 13px;
  color: var(--text-dark);
  padding: 8px 12px;
  background: var(--bg-soft);
  border-radius: 6px;
  display: inline-block;
}
.mb-target strong { color: var(--te-blue); font-variant-numeric: tabular-nums; }
.mb-accounts-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
}
.mb-account-field {
  display: flex; flex-direction: column;
  gap: 6px;
}
.mb-account-field > span {
  font-size: 12px; font-weight: 600;
  color: var(--text-dark);
}
.mb-total-line {
  margin: 10px 0 0 0;
  font-size: 13px;
  color: var(--text-muted);
}
.mb-total-line strong { color: var(--te-blue); font-variant-numeric: tabular-nums; }
.mb-spillover {
  display: flex; align-items: flex-start; gap: 10px;
  margin: 12px 0 16px;
  padding: 12px 14px;
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-left: 3px solid #f59e0b;
  border-radius: 8px;
  font-size: 12.5px;
  color: var(--text-dark);
}
.mb-spillover i { color: #d97706; font-size: 16px; line-height: 1.2; }
.mb-spillover strong { display: block; margin-bottom: 2px; }
.mb-spillover span { color: var(--text-muted); }
.mb-capital-row {
  display: flex; align-items: center;
  gap: 6px;
}
.mb-currency {
  font-size: 18px; font-weight: 600;
  color: var(--text-muted);
}
.mb-capital-input {
  flex: 1;
  padding: 10px 12px;
  font-size: 16px;
  font-variant-numeric: tabular-nums;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  background: var(--bg);
}
.mb-capital-input:focus { border-color: var(--te-blue); outline: none; }
.mb-build-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 22px;
  font-size: 14px; font-weight: 600;
}
.mb-preview { margin-top: 22px; }
.mb-empty {
  padding: 18px;
  text-align: center;
  color: var(--text-muted);
  font-size: 13px;
  background: var(--bg-soft);
  border: 1px dashed var(--border);
  border-radius: 8px;
}
.mb-preview-card {
  margin-top: 8px;
  padding: 18px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
}
.mb-preview-title {
  font-size: 14px; font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 14px;
  display: inline-flex; align-items: center; gap: 6px;
}
.mb-stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 12px;
  padding: 12px 14px;
  margin-bottom: 16px;
  background: var(--bg-soft);
  border-radius: 8px;
}
.mb-stats-row > div { display: flex; flex-direction: column; gap: 2px; }
.mb-stats-row span {
  font-size: 10px; text-transform: uppercase; letter-spacing: 0.05em;
  color: var(--text-muted); font-weight: 600;
}
.mb-stats-row strong {
  font-size: 16px; font-weight: 700;
  color: var(--text-dark);
  font-variant-numeric: tabular-nums;
}
.mb-positions { margin-bottom: 16px; }
.mb-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.mb-use-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px;
  font-size: 14px; font-weight: 600;
}
.mb-apply-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px;
  font-size: 14px; font-weight: 600;
  background: var(--bg);
  border: 1.5px solid var(--te-blue);
  color: var(--te-blue);
  border-radius: 8px;
  cursor: pointer;
}
.mb-apply-btn:hover { background: rgba(23,118,200,0.06); }
.mb-warning {
  margin-top: 10px;
  font-size: 11px;
  color: var(--text-muted);
  display: inline-flex; align-items: center; gap: 4px;
}

/* ---- footer ---- */
.footer {
  text-align: center; font-size: 11px; color: var(--text-muted);
  padding: 18px; max-width: 800px; margin: 0 auto;
}