:root{
  --bg:#0f1419; --panel:#1a2230; --panel2:#232d3d; --line:#2d3a4d;
  --ink:#e6edf3; --muted:#8b9bb0; --accent:#3b82f6; --accent2:#22c55e;
  --warn:#fbbf24; --danger:#f87171; --personal:#7cb3ff; --business:#cf9bff;
}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg);color:var(--ink);font-size:14px}
button{font-family:inherit;cursor:pointer}
a{color:var(--accent)}
.hidden{display:none!important}

/* login */
#login{min-height:100vh;display:flex;align-items:center;justify-content:center}
.card{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:28px}
#login .card{width:340px}
#login h1{margin:0 0 4px;font-size:22px}
#login p{margin:0 0 20px;color:var(--muted)}
label{display:block;font-size:12px;color:var(--muted);margin:12px 0 4px}
input,select,textarea{width:100%;background:var(--panel2);border:1px solid var(--line);color:var(--ink);
  border-radius:8px;padding:9px 10px;font-size:14px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--accent)}
.btn{background:var(--accent);color:#fff;border:none;border-radius:8px;padding:10px 14px;font-weight:600}
.btn:hover{filter:brightness(1.1)}
.btn.sm{padding:5px 9px;font-size:12px}
.btn.ghost{background:transparent;border:1px solid var(--line);color:var(--ink)}
.btn.green{background:var(--accent2)} .btn.red{background:var(--danger)} .btn.warn{background:var(--warn);color:#000}
.err{color:var(--danger);min-height:18px;margin-top:10px;font-size:13px}

/* app shell */
header{display:flex;align-items:center;gap:16px;padding:12px 20px;background:var(--panel);border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:5}
header .brand{font-weight:700;font-size:16px}
header .brand span{color:var(--accent)}
header .spacer{flex:1}
header .who{color:var(--muted)}
nav{display:flex;gap:4px;padding:0 14px;background:var(--panel);border-bottom:1px solid var(--line);position:sticky;top:49px;z-index:4}
nav button{background:none;border:none;color:var(--muted);padding:12px 14px;font-size:14px;border-bottom:2px solid transparent}
nav button.active{color:var(--ink);border-bottom-color:var(--accent)}
main{padding:18px 26px;max-width:2200px;margin:0 auto}
h2{font-size:18px;margin:0 0 14px}
.row{display:flex;gap:14px;flex-wrap:wrap}
.toolbar{display:flex;gap:10px;align-items:center;margin-bottom:14px;flex-wrap:wrap}
.toolbar .spacer{flex:1}

/* stat cards */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin-bottom:20px}
.stat{background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:16px}
.stat .k{color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.04em}
.stat .v{font-size:26px;font-weight:700;margin-top:6px}
.stat .v.personal{color:var(--personal)} .stat .v.business{color:var(--business)}
.stat .v.green{color:var(--accent2)} .stat .v.warn{color:var(--warn)}

/* tables */
table{width:100%;border-collapse:collapse;background:var(--panel);border:1px solid var(--line);border-radius:12px;overflow:hidden}
th,td{padding:9px 10px;text-align:left;border-bottom:1px solid var(--line);font-size:13px;vertical-align:middle}
th{color:var(--muted);font-weight:600;font-size:11px;text-transform:uppercase;letter-spacing:.04em;background:var(--panel2)}
tr:last-child td{border-bottom:none}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}
tr.inactive{opacity:.45}
td input,td select{padding:5px 6px;font-size:13px;background:transparent;border:1px solid transparent}
td input:hover,td select:hover{border-color:var(--line)}
td input:focus,td select:focus{background:var(--panel2);border-color:var(--accent)}
td input[type=number]{text-align:right;max-width:90px}
.pill{display:inline-block;padding:2px 8px;border-radius:20px;font-size:11px;font-weight:600}
.pill.personal{background:rgba(59,130,246,.18);color:#93c5fd}
.pill.business{background:rgba(168,85,247,.18);color:#d8b4fe}
.tag{font-size:11px;color:var(--muted)}
.switch{cursor:pointer;font-size:18px}
.panel{background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:16px;flex:1;min-width:280px}
.panel h3{margin:0 0 10px;font-size:14px;color:var(--muted)}
.muted{color:var(--muted)} .right{text-align:right} .warnbox{border-color:var(--warn)}
.bignum{font-size:22px;font-weight:700}
.note{font-size:12px;color:var(--muted);margin-top:4px}
.flash{position:fixed;bottom:18px;right:18px;background:var(--panel2);border:1px solid var(--line);
  padding:10px 14px;border-radius:8px;opacity:0;transition:opacity .25s;z-index:20}
.flash.show{opacity:1}
.flash.ok{border-color:var(--accent2)} .flash.bad{border-color:var(--danger)}

/* bills kanban */
.kanban{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}
@media(max-width:760px){.kanban{grid-template-columns:1fr}}
.kcol{background:var(--panel);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.khead{display:flex;align-items:center;gap:10px;padding:12px 14px;font-weight:700;font-size:15px;border-bottom:1px solid var(--line)}
.khead.personal{background:rgba(59,130,246,.14);border-bottom-color:var(--personal)}
.khead.business{background:rgba(168,85,247,.14);border-bottom-color:var(--business)}
.khead .ktot{flex:1;font-weight:500;font-size:12px;color:var(--muted)}
.kbody{padding:10px;min-height:120px;display:flex;flex-direction:column;gap:8px}
.bcard{background:var(--panel2);border:1px solid var(--line);border-radius:10px;padding:8px 10px;display:flex;flex-direction:column;gap:6px}
.bcard.inactive{opacity:.5}
.bcard.sortable-ghost{opacity:.35;border-style:dashed}
.bcard.sortable-chosen{border-color:var(--accent)}
.brow1{display:flex;align-items:center;gap:8px}
.brow1 .drag{cursor:grab;color:var(--muted);font-size:15px;user-select:none}
.brow1 .bdesc{flex:1;font-weight:600;background:transparent;border:1px solid transparent;padding:3px 5px}
.brow1 .bdesc:hover,.brow1 .bdesc:focus{border-color:var(--line);background:var(--bg)}
.brow1 .bx{background:none;border:none;color:var(--muted);font-size:14px}
.brow1 .bx:hover{color:var(--danger)}
.brow1 .switch{font-size:16px}
.brow1 .badge{font-size:10px;background:rgba(245,158,11,.18);color:var(--warn);border-radius:10px;padding:2px 7px;text-transform:uppercase;letter-spacing:.03em}
.bcard.excl{border-left:3px solid var(--warn)}
/* on/off toggle switch */
.tgl{width:42px;height:23px;border-radius:13px;border:none;background:#3a4658;position:relative;cursor:pointer;flex:0 0 auto;padding:0;transition:background .15s}
.tgl.on{background:var(--accent2)}
.tgl .knob{position:absolute;top:2px;left:2px;width:19px;height:19px;border-radius:50%;background:#fff;transition:left .15s;box-shadow:0 1px 2px rgba(0,0,0,.4)}
.tgl.on .knob{left:21px}
td .tgl{vertical-align:middle}
.brow2{display:flex;align-items:center;gap:8px}
.brow2 .bamt{max-width:90px;text-align:right;background:var(--bg);border:1px solid var(--line);padding:4px 6px}
.brow2 select{flex:1;background:var(--bg);border:1px solid var(--line);padding:4px 6px}
.brow2 .bmonthly{font-variant-numeric:tabular-nums;color:var(--accent2);font-weight:600;white-space:nowrap}
.brow3{display:flex;gap:8px}
.brow3 select{flex:1;background:var(--bg);border:1px solid var(--line);padding:4px 6px;font-size:12px;color:var(--muted)}

/* planner */
.headline{margin-bottom:16px;border-color:var(--accent);position:sticky;top:92px;z-index:3;box-shadow:0 8px 20px rgba(0,0,0,.45)}
.headline .hv{font-size:24px}
.hgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.hv{font-size:30px;font-weight:800;margin-top:4px}
.hv span{font-size:14px;font-weight:400;color:var(--muted)}
.hv.green{color:var(--accent2)} .hv.warn{color:var(--warn)}
.prow{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.twocol{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:18px;align-items:start}
@media(max-width:980px){.twocol{grid-template-columns:1fr}}
.twocol .chartcol{position:sticky;top:200px}
.cbox{position:relative;height:170px;width:100%}
.cbox>canvas{position:absolute;inset:0}
@media(max-width:980px){.twocol .chartcol{position:static}}
.planbucket .setaside{margin:8px 0 4px;font-size:14px}
.planbucket .setaside b{color:var(--accent2);font-size:16px}
.planbucket h3.personal{color:var(--personal)} .planbucket h3.business{color:var(--business)}
.okbig{color:var(--accent2);font-weight:700}
span.warn{color:var(--warn);font-weight:700}
.badbig{color:var(--danger);font-weight:700}
.debtrow{display:grid;grid-template-columns:1.4fr 1fr 1.2fr;gap:14px;align-items:center;padding:10px 0;border-top:1px solid var(--line)}
.debtrow:first-child{border-top:none}
.debtrow .debtname{font-weight:600}
.debtrow input{max-width:120px;background:var(--bg);border:1px solid var(--line)}
.debtrow .debtout b{font-size:16px}
.arow{display:grid;grid-template-columns:230px 1fr 110px auto;gap:14px;align-items:center;margin:9px 0}
.arow .alab{font-size:14px}
.arow input[type=number]{text-align:right}
@media(max-width:820px){.arow{grid-template-columns:1fr 1fr}.arow .alab{grid-column:1/-1}}
.pbar{height:20px;background:var(--danger);border-radius:10px;overflow:hidden;border:1px solid var(--line)}
.pbar-fill{height:100%;background:var(--accent2);width:0%;transition:width .15s}
.afford{background:var(--panel2);border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin:10px 0}
.afford b{font-size:15px}
@media(max-width:680px){.debtrow{grid-template-columns:1fr}}

/* ---- Plan waterfall (step-by-step flow) ---- */
.wfhead{font-size:11px;letter-spacing:.6px;color:var(--muted);font-weight:700;margin:14px 0 4px;text-transform:uppercase}
.wfrow{display:grid;grid-template-columns:240px 1fr 130px;align-items:center;gap:14px;padding:6px 0}
.wflab{font-size:14px}
.wftrack{height:14px;background:#0e1521;border-radius:7px;overflow:hidden}
.wfbar{height:100%;border-radius:7px;transition:width .12s ease}
.wfamt{text-align:right;font-weight:700;font-variant-numeric:tabular-nums}
.wfres{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:14px 16px;margin:10px 0;border:1px solid var(--line);border-radius:12px;background:#141b26}
@media(max-width:620px){.wfrow{grid-template-columns:1fr 90px}.wftrack{display:none}}

/* ---- consistent vertical spacing between stacked blocks on Plan & Money ---- */
#tab-plan > .row, #tab-plan > .panel, #tab-plan > details,
#tab-money > .row, #tab-money > .panel { margin-top:16px; }
#tab-plan > h2, #tab-money > h2 { margin-bottom:2px; }