:root {
  --bg:#fbfaf8; --bg-elevated:#f1f0ee; --bg-card:#fff; --fg:#1c2128; --fg-muted:#677084;
  --border:#e8e6e1; --border-strong:#d6d3cc; --accent:#2563eb; --accent-fg:#fff; --accent-soft:#eaf0ff;
  --good:#15803d; --good-bg:#e7f6ec; --bad:#dc2626; --bad-bg:#fdecec; --warn:#b45309; --warn-bg:#fbf0dd;
  --shadow:0 1px 2px rgba(20,24,33,.04),0 4px 16px rgba(20,24,33,.05);
  --shadow-lg:0 8px 30px rgba(20,24,33,.10);
  --radius:14px; --radius-sm:9px; --radius-xs:6px;
  /* spacing scale (4px base) — use these for new layout instead of ad-hoc px */
  --s1:4px; --s2:8px; --s3:12px; --s4:16px; --s5:20px; --s6:24px; --s8:32px;
  /* type scale */
  --text-xs:12px; --text-sm:13px; --text-base:15px; --text-md:17px; --text-lg:20px; --text-xl:24px; --text-2xl:30px;
  /* keyboard focus ring (one definition, used everywhere) */
  --focus:2px solid var(--accent);
}
/* Unified breakpoints (for new rules): 640px / 960px / 1280px */
@media (prefers-color-scheme:dark){:root{
  --bg:#0e1016; --bg-elevated:#171a22; --bg-card:#1a1e28; --fg:#e8eaf0; --fg-muted:#98a1b3;
  --border:#272c38; --border-strong:#39414f; --accent:#5b8cff; --accent-soft:#1a2742;
  --good:#34d27b; --good-bg:#0c2f1e; --bad:#f1606b; --bad-bg:#3a1620; --warn:#fbbf24; --warn-bg:#3a2c12;
  --shadow:0 1px 2px rgba(0,0,0,.4),0 4px 16px rgba(0,0,0,.32); --shadow-lg:0 10px 36px rgba(0,0,0,.5);
}}
*{box-sizing:border-box}
html,body{margin:0;padding:0;background:var(--bg);color:var(--fg);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-size:15px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}
/* One keyboard focus ring for every interactive element (only shows for keyboard,
   not mouse clicks). Big accessibility win — buttons/links/cards had none. */
:focus-visible{outline:var(--focus);outline-offset:2px}
.btn:focus-visible,.type-card:focus-visible,.qa:focus-visible,.tour-choice:focus-visible,.card-link:focus-visible{outline-offset:3px}
main{max-width:1180px;margin:0 auto;padding:36px 24px 80px}
.muted{color:var(--fg-muted)}.ok{color:var(--good)}.err{color:var(--bad)}
code{background:var(--bg-elevated);padding:1px 6px;border-radius:var(--radius-xs);font-size:.9em}
h1{font-size:30px;font-weight:700;letter-spacing:-.02em;margin:4px 0 6px}
h2{font-size:19px;font-weight:650;letter-spacing:-.01em;margin:0 0 12px}
h3{letter-spacing:.02em}

.topnav{display:flex;align-items:center;gap:8px;padding:0 24px;height:58px;background:var(--bg-card);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20}
.topnav .brand{font-weight:700;font-size:17px;color:var(--fg);letter-spacing:-.02em;margin-right:18px;display:flex;align-items:center;gap:7px}
.topnav .brand::before{content:"●";color:var(--accent);font-size:13px}
.nav-links{display:flex;gap:4px;align-items:center;flex:1}
.nav-links .nav-spacer{flex:1}
.nav-links a{color:var(--fg-muted);padding:8px 12px;border-radius:var(--radius-sm);font-size:14px;font-weight:500;line-height:1}
.nav-links a:hover{color:var(--fg);background:var(--bg-elevated);text-decoration:none}
.nav-links a.active{color:var(--accent);background:var(--accent-soft)}
.nav-links a.util{color:var(--fg-muted)}
.lang-toggle{margin-left:8px;padding:4px 10px;border:1px solid var(--border-strong);border-radius:var(--radius-sm);background:var(--bg);color:var(--fg-muted);font:inherit;font-size:12px;font-weight:700;cursor:pointer}
.lang-toggle:hover{color:var(--fg);background:var(--bg-elevated)}
.lang-select{margin-left:8px;padding:4px 8px;border:1px solid var(--border-strong);border-radius:var(--radius-sm);background:var(--bg);color:var(--fg-muted);font:inherit;font-size:12px;font-weight:600;cursor:pointer}
.lang-select:hover{color:var(--fg);background:var(--bg-elevated)}
@media (max-width:760px){.topnav{overflow-x:auto;gap:0}.nav-links .nav-spacer{display:none}}

/* ---- mobile bottom tab bar ------------------------------------------------- */
.bottomnav{display:none}
@media (max-width:640px){
  /* primary destinations move to the bottom bar; secondary stay in the (scrollable) top */
  .nav-links a.nav-primary{display:none}
  .bottomnav{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:40;
    background:var(--bg-card);border-top:1px solid var(--border);justify-content:space-around;align-items:flex-end;
    padding:6px 4px;padding-bottom:calc(6px + env(safe-area-inset-bottom,0px));box-shadow:0 -2px 12px rgba(0,0,0,.06)}
  .bn-item{flex:1;min-width:0;display:flex;flex-direction:column;align-items:center;gap:2px;
    padding:4px 2px;color:var(--fg-muted);font-size:11px;font-weight:500;border-radius:var(--radius-xs)}
  .bn-item:hover{text-decoration:none}
  .bn-item.active{color:var(--accent)}
  .bn-ico{font-size:20px;line-height:1}
  .bn-add{flex:0 0 auto;align-self:center;margin-top:-20px;width:50px;height:50px;border-radius:50%;
    background:var(--accent);color:var(--accent-fg);justify-content:center;box-shadow:var(--shadow-lg)}
  .bn-add .bn-ico{font-size:28px;color:var(--accent-fg)}
  main{padding-bottom:84px}
}

.page-header{margin-bottom:24px}
.page-actions{display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.header-row{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;flex-wrap:wrap}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:9px 16px;border-radius:var(--radius-sm);
  border:1px solid var(--border-strong);background:var(--bg-card);color:var(--fg);font:inherit;font-weight:550;cursor:pointer;
  transition:background .12s,border-color .12s,box-shadow .12s,transform .06s}
.btn:hover{background:var(--bg-elevated);text-decoration:none}
.btn:active{transform:translateY(1px)}
.btn:disabled{opacity:.45;cursor:not-allowed}
.btn-primary{background:var(--accent);color:var(--accent-fg);border-color:var(--accent);box-shadow:0 1px 2px rgba(37,99,235,.25)}
.btn-primary:hover:not(:disabled){filter:brightness(1.06);background:var(--accent)}
.btn-ghost{background:transparent;border-color:transparent;color:var(--fg-muted)}
.btn-ghost:hover{color:var(--fg);background:var(--bg-elevated)}
.btn-danger{color:var(--bad);border-color:var(--border-strong)}
.btn-danger:hover:not(:disabled){background:var(--bad);color:#fff;border-color:var(--bad)}
.btn-sm{padding:5px 10px;font-size:13px}
.btn-icon{background:transparent;border:1px solid transparent;padding:2px 8px;border-radius:var(--radius-xs);font-size:18px;color:var(--fg-muted);cursor:pointer}
.btn-icon:hover{color:var(--bad);background:var(--bg-elevated)}
/* small round delete/icon button */
.icon-del{width:28px;height:28px;display:inline-flex;align-items:center;justify-content:center;border-radius:50%;
  border:1px solid var(--border);background:var(--bg-card);color:var(--fg-muted);cursor:pointer;font-size:14px;line-height:1;transition:all .12s}
.icon-del:hover{color:#fff;background:var(--bad);border-color:var(--bad)}
select,input,textarea{padding:7px 10px;border:1px solid var(--border-strong);border-radius:var(--radius-sm);background:var(--bg);color:var(--fg);font:inherit}
input:focus,select:focus,textarea:focus{outline:2px solid var(--accent);outline-offset:-1px;border-color:var(--accent)}

.garage-toolbar{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:20px}
.garage-filters{display:flex;gap:12px;align-items:center;flex-wrap:wrap;font-size:13px;color:var(--fg-muted)}
.garage-filters select{margin-left:4px}
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px}
.card{position:relative;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;transition:transform .14s,box-shadow .14s,border-color .12s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--border-strong)}
.card.is-current{outline:2px solid var(--accent)}
.card.is-household:not(.is-current){outline:2px solid var(--good)}
.card.is-archived{opacity:.55}
.card-badges{position:absolute;top:10px;right:10px;z-index:2;display:flex;flex-direction:column;gap:4px;align-items:flex-end}
.badge{padding:4px 10px;border-radius:var(--radius-xs);font-size:12px;font-weight:600;color:#fff}
.badge-current{background:var(--accent)}.badge-household{background:var(--good)}.badge-archived{background:var(--fg-muted)}
.badge-cat{background:var(--fg-muted);text-transform:capitalize}
.completeness{font-size:11px;font-weight:600;padding:3px 7px;border-radius:var(--radius-xs);cursor:help}
.completeness.good{background:var(--good-bg);color:var(--good)}
.completeness.warn{background:rgba(245,158,11,.15);color:#b45309}
.completeness.bad{background:var(--bad-bg);color:var(--bad)}
.card-del{position:absolute;bottom:12px;right:12px;z-index:2;opacity:0;transition:opacity .12s}
.card:hover .card-del{opacity:1}
@media (hover:none){.card-del{opacity:1}}
.card-check{position:absolute;top:10px;left:10px;z-index:2;background:rgba(255,255,255,.9);border-radius:var(--radius-xs);padding:4px 6px;cursor:pointer}
@media (prefers-color-scheme:dark){.card-check{background:rgba(20,20,28,.85)}}
.card-photo{aspect-ratio:16/9;background:var(--bg-elevated);overflow:hidden}
.card-photo img{width:100%;height:100%;object-fit:cover;display:block}
.card-photo-ph{width:100%;height:100%;display:flex;align-items:center;justify-content:center;font-size:42px;font-weight:600;color:var(--fg-muted);background:linear-gradient(135deg,var(--bg-elevated),var(--bg-card))}
.card-body{padding:14px 16px 16px}
.card-link{color:inherit;display:block}.card-link:hover{text-decoration:none}
.card-title{margin:0 0 4px;font-size:16px;font-weight:600}
.card-meta{margin:0 0 8px;color:var(--fg-muted);font-size:13px}
.card-price{margin:0;font-size:18px;font-weight:600}
.card-monthly{margin:2px 0 0;color:var(--fg-muted);font-size:13px}
.card-perkm{margin:2px 0 0;color:var(--fg-muted);font-size:12px}
.card-replacement{margin:4px 0 0;font-size:12px;color:var(--accent)}
.card-replacement-of{margin:4px 0 0;font-size:12px;color:var(--fg-muted)}
.delta{font-size:.78em;font-weight:500;margin-left:6px}.delta.pos{color:var(--bad)}.delta.neg{color:var(--good)}

.empty-state{text-align:center;padding:64px 16px;border:1px dashed var(--border-strong);border-radius:var(--radius);background:var(--bg-elevated)}
.empty-state h2{font-weight:500}.empty-state p{color:var(--fg-muted)}

.tabs{display:flex;gap:4px;border-bottom:1px solid var(--border);margin-bottom:24px}
.tab{background:none;border:none;padding:10px 16px;font:inherit;color:var(--fg-muted);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px}
.tab:hover{color:var(--fg)}.tab.active{color:var(--fg);border-bottom-color:var(--accent)}
.tab-panel{display:none}.tab-panel.active{display:block}

.sections{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:20px;align-items:stretch}
.settings-grid .section{display:flex;flex-direction:column}
.section{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:16px 20px}
.section h3{margin:0 0 12px;font-size:14px;text-transform:uppercase;letter-spacing:.04em;color:var(--fg-muted)}
.field{margin-bottom:12px}.field label{display:block;font-size:13px;color:var(--fg-muted);margin-bottom:4px}
.field input,.field select,.field textarea{width:100%}
.field .unit{font-weight:400}
.field-help{font-size:12px;color:var(--fg-muted);margin-top:4px;line-height:1.4}
.field-wide{grid-column:1/-1}
.form-actions{margin-top:20px;display:flex;align-items:center;gap:12px}
.row-flex{display:flex;gap:8px;align-items:center}

.compare-section{margin-bottom:32px;overflow-x:auto;-webkit-overflow-scrolling:touch}
.ctable{width:100%;border-collapse:collapse;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;min-width:560px}
/* On narrow screens the row-label column stays put while the comparison
   columns scroll sideways — so you never lose track of which row you're reading. */
.ctable tbody th{position:sticky;left:0;background:var(--bg-card);z-index:1}
.ctable thead th:first-child{position:sticky;left:0;background:var(--bg-elevated);z-index:2}
.ctable tr.total-row th,.ctable tr.delta-row th{background:var(--bg-elevated)}
.ctable th,.ctable td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--border)}
.ctable thead th{background:var(--bg-elevated);font-weight:600}
.ctable thead th a{color:var(--fg)}
.ctable .th-sub{font-weight:400;color:var(--fg-muted);font-size:12px;margin-top:2px}
.ctable tbody th{font-weight:500;color:var(--fg-muted)}
.ctable td.best{background:var(--good-bg);color:var(--good);font-weight:600}
.ctable td.worst{background:var(--bad-bg);color:var(--bad);font-weight:600}
.ctable tr.total-row{font-weight:600;background:var(--bg-elevated)}
.ctable tr.delta-row{background:var(--bg-elevated);font-style:italic}
.ctable td.pos{color:var(--bad)}.ctable td.neg{color:var(--good)}
.ctable th.current-col,.ctable td.current-col{background:rgba(37,99,235,.08);border-left:2px solid var(--accent);border-right:2px solid var(--accent)}
.current-tag{display:inline-block;background:var(--accent);color:#fff;font-size:11px;padding:2px 6px;border-radius:var(--radius-xs);font-weight:600}
.chart-wrap{position:relative;height:360px;margin-top:8px;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:12px}

/* Compare verdict — lead with the answer, above the chart */
.verdict{background:linear-gradient(135deg,var(--accent-soft),var(--bg-card));border:1px solid var(--border);
  border-radius:var(--radius);padding:16px 20px;margin-bottom:24px}
.verdict-head{font-size:var(--text-md);font-weight:650;letter-spacing:-.01em}
.verdict-sub{margin-top:4px;color:var(--fg-muted);font-size:var(--text-sm);line-height:1.5}

/* Item page sticky cost summary — the number you're affecting, always on screen */
.cost-summary{position:sticky;top:58px;z-index:5;display:flex;gap:var(--s6);flex-wrap:wrap;
  background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:12px 20px;margin-bottom:20px}
.cost-summary .cs-stat{display:flex;flex-direction:column;gap:2px}
.cost-summary .cs-label{font-size:var(--text-xs);color:var(--fg-muted)}
.cost-summary .cs-value{font-size:var(--text-lg);font-weight:700;letter-spacing:-.01em}
@media (max-width:560px){.cost-summary{gap:var(--s4);padding:10px 14px}.cost-summary .cs-value{font-size:var(--text-md)}}

.headline-card{margin:0 0 24px;padding:18px 22px;border-radius:var(--radius);border-left:4px solid}
.headline-save{background:var(--good-bg);border-color:var(--good)}
.headline-cost{background:var(--bad-bg);border-color:var(--bad)}
.headline-text{font-size:17px;font-weight:600}
.headline-detail{margin-top:6px;font-size:14px;color:var(--fg-muted)}

.info-banner{margin-top:12px;padding:10px 14px;background:rgba(37,99,235,.08);border-left:3px solid var(--accent);border-radius:var(--radius-xs);font-size:13px}
.toast{position:fixed;bottom:20px;left:50%;transform:translateX(-50%);background:var(--fg);color:var(--bg);padding:10px 18px;border-radius:var(--radius-sm);box-shadow:var(--shadow);z-index:50;font-size:14px}

.cost-line-row{display:grid;grid-template-columns:1fr 120px 130px auto;gap:8px;align-items:center;margin-bottom:6px}
@media (max-width:640px){.cost-line-row{grid-template-columns:1fr 1fr}}
.scenario-list{list-style:none;padding:0;margin:0 0 12px}
.scenario-row{display:flex;align-items:center;gap:6px;padding:6px 0;border-bottom:1px solid var(--border)}
.scenario-row.active{background:var(--bg-elevated);border-radius:var(--radius-sm);padding:6px 8px}
.scenario-name{flex:1;background:none;border:none;font:inherit;color:var(--fg);cursor:pointer;text-align:left}
.scenario-name:hover{color:var(--accent)}.scenario-name small{color:var(--fg-muted)}
.amort-summary{display:grid;grid-template-columns:1fr 1fr;gap:6px 16px;background:var(--bg-elevated);padding:14px 18px;border-radius:var(--radius);margin:16px 0}
.amort-summary dt{color:var(--fg-muted);font-size:13px;margin:0}.amort-summary dd{margin:0;font-weight:600}

/* type chooser */
.type-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:16px}
.type-card{display:block;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:20px;color:inherit;transition:transform .12s,border-color .12s}
.type-card:hover{transform:translateY(-2px);border-color:var(--accent);text-decoration:none}
.type-emoji{font-size:34px}.type-label{font-weight:600;font-size:17px;margin:8px 0 4px}
.type-blurb{color:var(--fg-muted);font-size:13px}

/* learn */
.learn-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(340px,1fr));gap:20px;align-items:start}
/* Learn page: two independent columns so cards of different heights pack tightly
   (no big gaps from a short card sitting next to the tall chart card). */
.learn-cols{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:start}
.learn-cols .learn-col{display:flex;flex-direction:column;gap:20px;min-width:0}
@media (max-width:820px){.learn-cols{grid-template-columns:1fr}}
.learn-card p{margin:0 0 10px}
.learn-card.learn-warn{border-color:var(--bad)}
.learn-list{margin:0;padding-left:20px}.learn-list li{margin-bottom:6px}
.calc{margin-top:12px}
.calc-inputs{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:10px;margin-bottom:12px}
.calc-inputs label{display:flex;flex-direction:column;font-size:12px;color:var(--fg-muted);gap:4px}
.calc-inputs input{width:100%}
.calc-out{background:var(--bg-elevated);border-radius:var(--radius);padding:14px 16px}
.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(120px,1fr));gap:12px}
.result-grid>div{display:flex;flex-direction:column}
.rlabel{font-size:12px;color:var(--fg-muted)}.rbig{font-size:22px;font-weight:700}.rval{font-size:18px;font-weight:600}
.rval.ok,.rbig.ok{color:var(--good)}.rval.bad,.rbig.bad{color:var(--bad)}
.result-tip{margin-top:12px;padding:10px 12px;background:var(--good-bg);color:var(--good);border-radius:var(--radius-sm);font-weight:500}
.result-bad{padding:12px 14px;background:var(--bad-bg);color:var(--bad);border-radius:var(--radius-sm);font-weight:500}

/* welcome */
.welcome{max-width:820px;margin:0 auto}
.welcome-lead{font-size:18px;color:var(--fg)}
.welcome-steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:24px 0}
.welcome-step{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:18px}
.welcome-step h3{margin:8px 0 4px;font-size:16px}
.welcome-step p{color:var(--fg-muted);font-size:14px;margin:0}
.ws-num{width:32px;height:32px;border-radius:50%;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.welcome-learn{background:var(--bg-elevated);border-radius:var(--radius);padding:18px 20px;margin:8px 0 24px}
.welcome-learn h3{margin:0 0 6px}
.welcome-actions{display:flex;gap:10px;flex-wrap:wrap}
.welcome-foot{margin-top:16px;font-size:13px}

/* debt page */
.debt-totals{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px;margin-bottom:24px}
.debt-stat{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:16px 18px;display:flex;flex-direction:column;gap:4px}
.plan-controls{display:grid;grid-template-columns:1fr 1fr auto;gap:16px;align-items:start;margin-bottom:16px}
/* Quick-add buttons sit on the same line as the inputs (their field has a blank
   label that reserves the label row, so all three controls line up). */
.plan-quick-field .plan-quick{display:flex;gap:6px}
@media (max-width:640px){.plan-quick-field>label{display:none}}
@media (max-width:640px){.plan-controls{grid-template-columns:1fr}}
.plan-quick{display:flex;gap:6px}
.plan-order{margin-top:16px}
.plan-order h4{margin:0 0 6px}
.order-list{margin:8px 0 0;padding-left:22px}
.order-list li{margin-bottom:6px;font-weight:600}

/* tour / veiviser */
.tour{max-width:640px;margin:0 auto}
.tour-progress{display:flex;gap:8px;justify-content:center;margin-bottom:20px}
.tour-dot{width:34px;height:5px;border-radius:3px;background:var(--border-strong)}
.tour-dot.on{background:var(--accent)}
.tour-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:28px 28px 24px;box-shadow:var(--shadow)}
.tour-card h1{font-size:24px}.tour-card h2{font-size:20px}
.tour-foot{display:flex;justify-content:space-between;align-items:center;margin-top:16px}
.tour-choices{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px}
@media (max-width:560px){.tour-choices{grid-template-columns:1fr}}
.tour-choice{text-align:left;background:var(--bg);border:1px solid var(--border-strong);border-radius:var(--radius);padding:18px;cursor:pointer;font:inherit;color:inherit;transition:border-color .12s,transform .12s}
.tour-choice:hover{border-color:var(--accent);transform:translateY(-2px)}
.tour-next{margin-top:18px}
.tour-choice.sel{border-color:var(--accent);background:var(--accent-soft)}
.loan-amount{margin:14px 0;padding:12px 14px;background:var(--accent-soft);border-radius:var(--radius-sm);font-size:16px}
.loan-amount .muted{display:block;font-size:12px;margin-top:2px}
.rate-note{margin:14px 0 4px;padding:12px 14px;background:var(--bg-elevated);border-left:3px solid var(--accent);border-radius:var(--radius-sm);font-size:13px;line-height:1.5}

/* ---- home dashboard ---- */
.hero{margin-bottom:28px}
.hero h1{font-size:32px}
.hero p{font-size:16px;color:var(--fg-muted);margin:2px 0 0}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin-bottom:24px}
.tile{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:18px 20px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:6px}
.tile .t-label{font-size:13px;color:var(--fg-muted)}
.tile .t-value{font-size:26px;font-weight:700;letter-spacing:-.02em}
.tile .t-sub{font-size:12px;color:var(--fg-muted)}
.tile.accent{background:linear-gradient(135deg,var(--accent-soft),var(--bg-card))}
.tile.warn .t-value{color:var(--warn)}

.home-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:20px;align-items:start}
@media (max-width:860px){.home-grid{grid-template-columns:1fr}}
.panel{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px 24px}
.panel h2{margin-bottom:14px}
.opp{display:flex;flex-direction:column;gap:10px}
.opp-headline{font-size:18px;font-weight:650}
.opp-sub{color:var(--fg-muted)}
.quick-actions{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:4px}
@media (max-width:520px){.quick-actions{grid-template-columns:1fr}}
.qa{display:flex;align-items:center;gap:12px;padding:14px 16px;border:1px solid var(--border);border-radius:var(--radius-sm);background:var(--bg);color:inherit;transition:border-color .12s,transform .12s,background .12s}
.qa:hover{border-color:var(--accent);transform:translateY(-2px);text-decoration:none;background:var(--bg-card)}
.qa .qa-emoji{font-size:22px}
.qa .qa-title{font-weight:600}
.qa .qa-sub{font-size:12px;color:var(--fg-muted)}

.mini-list{display:flex;flex-direction:column;gap:2px}
.mini-row{display:flex;align-items:center;gap:12px;padding:10px 8px;border-radius:var(--radius-sm)}
.mini-row:hover{background:var(--bg-elevated)}
.mini-main{flex:1;min-width:0}
.mini-title{font-weight:600;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.mini-sub{font-size:12px;color:var(--fg-muted)}
.mini-amt{font-weight:600;white-space:nowrap}
.home-cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}

/* ---- modal dialog (currency conversion, etc.) ------------------------------ */
.modal-overlay{position:fixed;inset:0;z-index:1000;display:flex;align-items:center;justify-content:center;
  background:rgba(20,20,25,.45);padding:20px}
.modal-card{background:var(--bg-card,#fff);border-radius:var(--radius);max-width:440px;width:100%;
  padding:24px;box-shadow:var(--shadow-lg)}
.modal-card h2{margin:0 0 8px}
.modal-card .rate-row{display:flex;align-items:center;gap:8px;font-weight:600}
.modal-card .rate-row input{width:120px}
.modal-actions{display:flex;gap:8px;justify-content:flex-end;flex-wrap:wrap;margin-top:18px}

/* ---- site footer + legal page --------------------------------------------- */
.site-foot{max-width:1180px;margin:0 auto;padding:20px 24px 40px;display:flex;gap:12px;flex-wrap:wrap;
  align-items:center;justify-content:center;border-top:1px solid var(--border);
  color:var(--fg-muted);font-size:var(--text-xs)}
.site-foot a{color:var(--fg-muted);text-decoration:underline}
.site-foot a:hover{color:var(--fg)}
@media (max-width:640px){.site-foot{margin-bottom:72px}} /* clear the fixed bottom nav */
.legal{max-width:760px}
.legal h3{margin:20px 0 6px;font-size:var(--text-md);text-transform:none;letter-spacing:0;color:var(--fg)}
.legal p{margin:0 0 10px;color:var(--fg)}