/* Points & Prompts — Direction B refined ("Precision")
   Shared stylesheet for the hosted sign-off prototype. */
:root, :root[data-theme="light"]{
  --canvas:#f7f6f1; --deep:#efede4; --surface:#ffffff; --surface2:#faf9f4;
  --ink:#101c2c; --ink2:#5c6b7a; --ink3:#8a97a4;
  --line:#e7e3d7; --line2:#d8d3c4;
  --gold:#c79a3b; --gold-text:#7d5b1d; --gold-soft:rgba(199,154,59,.13); --gold-on:#14202b;
  --navy:#142343; --navy-ink:#ffffff;
  --good:#0f766e; --good-soft:rgba(15,118,110,.10);
  --bad:#b4232a;
  --shadow:0 1px 2px rgba(16,28,44,.05), 0 8px 28px -12px rgba(16,28,44,.10);
  --shadow-lg:0 2px 6px rgba(16,28,44,.06), 0 20px 50px -16px rgba(16,28,44,.18);
  color-scheme:light;
}
:root[data-theme="dark"]{
  --canvas:#0c141d; --deep:#080f16; --surface:#141f2b; --surface2:#1a2634;
  --ink:#e9edf2; --ink2:#9aa8b5; --ink3:#6b7987;
  --line:rgba(255,255,255,.09); --line2:rgba(255,255,255,.17);
  --gold:#c79a3b; --gold-text:#e5b964; --gold-soft:rgba(199,154,59,.16); --gold-on:#14202b;
  --navy:#e5b964; --navy-ink:#14202b;
  --good:#34d399; --good-soft:rgba(52,211,153,.12);
  --bad:#f87171;
  --shadow:0 1px 2px rgba(0,0,0,.3), 0 8px 28px -12px rgba(0,0,0,.4);
  --shadow-lg:0 2px 6px rgba(0,0,0,.35), 0 20px 50px -16px rgba(0,0,0,.55);
  color-scheme:dark;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;background:var(--canvas);color:var(--ink);line-height:1.55;font-size:15px;-webkit-font-smoothing:antialiased}
button{font-family:inherit;cursor:pointer;color:inherit}
a{color:inherit}
.num{font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.serif{font-family:'Fraunces',Georgia,serif}

/* ============ TOP NAV ============ */
.topbar{position:sticky;top:0;z-index:60;background:color-mix(in srgb, var(--canvas) 86%, transparent);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.topbarIn{max-width:1240px;margin:0 auto;display:flex;align-items:center;gap:8px;padding:0 20px;height:58px}
.brand{display:flex;align-items:center;gap:9px;font-weight:800;font-size:15.5px;letter-spacing:-.02em;white-space:nowrap;text-decoration:none}
.amp{width:30px;height:30px;border-radius:9px;background:var(--navy);color:var(--navy-ink);display:grid;place-items:center;font-family:'Fraunces',Georgia,serif;font-size:19px;font-weight:700;padding-bottom:2px;flex:none}
.brand .beta{font-size:9.5px;font-weight:700;letter-spacing:.08em;color:var(--gold-text);border:1px solid var(--gold);border-radius:999px;padding:1px 7px;text-transform:uppercase}
.mainnav{display:flex;align-items:center;gap:1px;margin-left:18px;min-width:0}
.mainnav a{padding:7px 11px;border-radius:999px;color:var(--ink2);font-weight:600;font-size:13px;text-decoration:none;cursor:pointer;white-space:nowrap;transition:color .12s, background .12s}
.mainnav a:hover{color:var(--ink)}
.mainnav a.on{background:var(--surface);color:var(--ink);box-shadow:var(--shadow);border:1px solid var(--line);padding:6px 11px}
.mainnav a.askLink{color:var(--gold-text)}
.mainnav a.askLink.on{background:var(--gold-soft);border-color:var(--gold);color:var(--gold-text)}
.topSpace{flex:1}
.iconBtn{width:34px;height:34px;border-radius:999px;border:1px solid var(--line);background:var(--surface);color:var(--ink2);display:grid;place-items:center;font-size:15px;flex:none}
.avatar{width:34px;height:34px;border-radius:999px;background:var(--navy);color:var(--navy-ink);display:grid;place-items:center;font-weight:700;font-size:13px;flex:none}
.hamb{display:none}
@media(max-width:1080px){
  .mainnav{display:none}
  .hamb{display:grid}
  .topbarIn{height:54px;padding:0 14px}
}
/* mobile nav sheet */
.sheetScrim{position:fixed;inset:0;background:rgba(10,16,24,.45);z-index:90;opacity:0;pointer-events:none;transition:opacity .2s}
.sheet{position:fixed;left:0;right:0;bottom:0;z-index:91;background:var(--surface);border-radius:20px 20px 0 0;padding:18px 18px 30px;transform:translateY(102%);visibility:hidden;transition:transform .25s cubic-bezier(.3,.9,.3,1),visibility .25s;box-shadow:var(--shadow-lg)}
body.sheetOpen .sheetScrim{opacity:1;pointer-events:auto}
body.sheetOpen .sheet{transform:none;visibility:visible}
.sheet a{display:flex;align-items:center;gap:12px;padding:12px 10px;border-radius:12px;font-weight:600;font-size:15px;color:var(--ink);text-decoration:none;cursor:pointer}
.sheet a.on{background:var(--gold-soft);color:var(--gold-text)}
.sheet a .soon{margin-left:auto;font-size:10.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink3)}
.sheet .grab{width:40px;height:4px;border-radius:99px;background:var(--line2);margin:0 auto 12px}

/* ============ LAYOUT / PAGE CHROME ============ */
.page{max-width:1240px;margin:0 auto;padding:26px 20px 110px}
.pageHead{margin:4px 0 22px}
.crumb{font-size:11.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--ink3);margin-bottom:6px}
h1.pageTitle{font-family:'Fraunces',Georgia,serif;font-size:clamp(28px,4vw,36px);font-weight:600;letter-spacing:-.015em;line-height:1.15}
h1.pageTitle .plain{font-size:.55em;color:var(--ink2);font-family:'Inter',sans-serif;font-weight:600}
.pageSub{color:var(--ink2);font-size:14.5px;max-width:640px;margin-top:8px}
.verified{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:600;color:var(--good);background:var(--good-soft);border-radius:999px;padding:4px 11px;margin-top:12px}
.footerNote{margin-top:44px;font-size:12px;color:var(--ink3);text-align:center}
.footerNote a{color:var(--ink2)}
/* sticky section tabs */
.sectionTabs{position:sticky;top:58px;z-index:40;display:flex;gap:6px;padding:10px 0 12px;margin:0 0 16px;background:linear-gradient(var(--canvas) 78%, transparent);overflow-x:auto;scrollbar-width:none}
.sectionTabs::-webkit-scrollbar{display:none}
.sectionTabs a{border:1px solid var(--line);background:var(--surface);color:var(--ink2);font-weight:600;font-size:13px;padding:7px 14px;border-radius:999px;white-space:nowrap;display:flex;gap:7px;align-items:center;text-decoration:none;cursor:pointer}
.sectionTabs a .k{font-size:10.5px;font-weight:800;color:var(--gold-text);background:var(--gold-soft);border-radius:99px;width:17px;height:17px;display:grid;place-items:center}
.sectionTabs a.on{border-color:var(--gold);background:var(--gold-soft);color:var(--gold-text)}
@media(max-width:1080px){.sectionTabs{top:54px}}
.anchorSec{scroll-margin-top:118px}
/* cards & KPIs */
.card{background:var(--surface);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow)}
.cardPad{padding:22px}
@media(max-width:640px){.cardPad{padding:16px}}
h2.sec{font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--ink3);margin-bottom:14px;display:flex;align-items:baseline;gap:10px}
h2.sec .amt{margin-left:auto;font-size:15px;font-weight:700;color:var(--ink);letter-spacing:0;text-transform:none}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:22px}
.kpis.three{grid-template-columns:1.2fr 1fr 1fr}
.kpi{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:16px 18px;box-shadow:var(--shadow)}
.kpi .l{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink3)}
.kpi .v{font-size:26px;font-weight:750;letter-spacing:-.02em;margin-top:4px}
.kpi .v .u{font-size:13px;font-weight:600;color:var(--ink2)}
.kpi .s{font-size:12px;color:var(--ink2);margin-top:2px}
.kpi.hero{background:var(--navy);border-color:var(--navy);color:var(--navy-ink)}
.kpi.hero .l,.kpi.hero .s{color:color-mix(in srgb, var(--navy-ink) 65%, transparent)}
:root[data-theme="dark"] .kpi.hero{background:linear-gradient(135deg,#223142,#141f2b);border-color:var(--line2);color:var(--ink)}
:root[data-theme="dark"] .kpi.hero .l,:root[data-theme="dark"] .kpi.hero .s{color:var(--ink2)}
@media(max-width:900px){.kpis,.kpis.three{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.kpis .kpi:last-child:nth-child(odd),.kpis.three .kpi:last-child:nth-child(odd){grid-column:1/-1}}

/* tables */
table.data{width:100%;border-collapse:collapse}
table.data th{font-size:10.5px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--ink3);text-align:left;padding:8px 10px;border-bottom:1px solid var(--line)}
table.data td{padding:13px 10px;border-bottom:1px solid var(--line);font-size:14px;vertical-align:middle}
table.data tr:last-child td{border-bottom:0}
table.data td.r,table.data th.r{text-align:right}
.progName{display:flex;align-items:center;gap:11px;font-weight:600}
.mark{width:30px;height:30px;border-radius:9px;display:grid;place-items:center;color:#fff;font-size:11px;font-weight:800;flex:none}
.chip{display:inline-block;font-size:11px;font-weight:700;border-radius:999px;padding:2px 9px;white-space:nowrap}
.chip.good{color:var(--good);background:var(--good-soft)}
.chip.gold{color:var(--gold-text);background:var(--gold-soft)}
.cpp{font-size:12px;color:var(--ink2)}
.eq{font-size:12.5px;color:var(--ink2);background:var(--surface2);border:1px dashed var(--line2);border-radius:10px;padding:5px 10px;display:inline-block;margin-top:6px}
.caveat{font-size:12.5px;color:var(--ink2);border-left:3px solid var(--gold);padding:10px 14px;background:var(--gold-soft);border-radius:0 10px 10px 0;margin-top:20px;max-width:780px}
.caveat b{color:var(--ink)}
@media(max-width:640px){table.data td{font-size:13.5px;padding:12px 8px}}
/* section heads inside pages */
.secHead{display:flex;gap:14px;align-items:baseline;margin-bottom:10px}
.secHead .n{font-family:'Fraunces',Georgia,serif;font-size:26px;color:var(--gold-text);font-weight:700}
.secHead h3{font-size:19px;font-weight:750;letter-spacing:-.01em}
.secHead .sub{font-size:13px;color:var(--ink2)}
.gap14{height:14px}.gap26{height:26px}.gap34{height:34px}
/* toast */
.toast{position:fixed;left:50%;bottom:26px;transform:translate(-50%,20px);background:var(--navy);color:var(--navy-ink);font-size:13px;font-weight:600;border-radius:12px;padding:10px 18px;opacity:0;pointer-events:none;transition:.25s;z-index:120;box-shadow:var(--shadow-lg);max-width:90vw;text-align:center}
.toast.on{opacity:1;transform:translate(-50%,0)}

/* ============ ASK PAGE ============ */
.askLayout{display:grid;grid-template-columns:272px 1fr;gap:0;max-width:1240px;margin:0 auto;min-height:calc(100vh - 58px)}
.askSide{border-right:1px solid var(--line);padding:18px 12px 30px;background:var(--deep);display:flex;flex-direction:column}
.newChat{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:11px;border-radius:12px;border:1px solid var(--gold);background:var(--gold-soft);color:var(--gold-text);font-weight:700;font-size:13.5px}
.grpLbl{font-size:10.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--ink3);margin:18px 10px 6px}
.recent{display:flex;align-items:center;gap:8px;width:100%;text-align:left;border:0;background:none;padding:8px 10px;border-radius:10px;color:var(--ink);font-size:13.5px;font-weight:500;transition:background .12s}
.recent span{white-space:nowrap;overflow:hidden;text-overflow:ellipsis;min-width:0}
.recent:hover{background:var(--surface)}
.recent.on{background:var(--surface);box-shadow:var(--shadow);font-weight:600}
.allChats{display:block;margin:16px 10px 0;font-size:12.5px;font-weight:600;color:var(--gold-text);cursor:pointer;background:none;border:0;text-align:left}
.askMain{padding:0 24px;display:flex;flex-direction:column;min-width:0}
.askHero{flex:1;display:flex;flex-direction:column;justify-content:center;max-width:660px;margin:0 auto;width:100%;padding:40px 0 20px}
.askGreeting{font-size:13px;font-weight:600;color:var(--gold-text);letter-spacing:.02em;margin-bottom:10px}
.askHero h1{font-family:'Fraunces',Georgia,serif;font-size:38px;font-weight:600;letter-spacing:-.015em;line-height:1.12}
.composer{margin-top:26px;background:var(--surface);border:1.5px solid var(--line2);border-radius:18px;box-shadow:var(--shadow-lg);padding:16px 16px 12px;transition:border-color .15s}
.composer:focus-within{border-color:var(--gold)}
.composer textarea{width:100%;border:0;background:none;resize:none;font-family:inherit;font-size:15.5px;color:var(--ink);outline:none;min-height:52px}
.composer textarea::placeholder{color:var(--ink3)}
.composerRow{display:flex;align-items:center;gap:8px;margin-top:6px;min-width:0}
.ctxPill{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:600;color:var(--ink2);border:1px solid var(--line);border-radius:999px;padding:5px 11px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;min-width:0}
.ctxPill .dot{width:7px;height:7px;border-radius:99px;background:var(--good);flex:none}
.sendBtn{margin-left:auto;width:38px;height:38px;border-radius:12px;border:0;background:var(--navy);color:var(--navy-ink);display:grid;place-items:center;font-size:16px;flex:none}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.chips button{border:1px solid var(--line);background:var(--surface);border-radius:999px;padding:8px 15px;font-size:13px;font-weight:550;color:var(--ink2)}
.chips button:hover{border-color:var(--gold);color:var(--gold-text);background:var(--gold-soft)}
.askFoot{text-align:center;font-size:11.5px;color:var(--ink3);padding:14px 0 20px}
.mobHistBtn{display:none}
@media(max-width:1080px){
  .askLayout{grid-template-columns:1fr;min-height:calc(100vh - 54px)}
  .askSide{display:none}
  .askHero h1{font-size:29px}
  .mobHistBtn{display:inline-flex;align-items:center;gap:7px;margin:14px 0 0;border:1px solid var(--line);background:var(--surface);border-radius:999px;padding:8px 14px;font-size:13px;font-weight:600;color:var(--ink2);align-self:flex-start}
}

/* populated thread */
.thread{max-width:720px;margin:0 auto;width:100%;padding:28px 0 8px;flex:1}
.uMsg{background:var(--navy);color:var(--navy-ink);border-radius:16px 16px 4px 16px;padding:12px 16px;font-size:14.5px;font-weight:550;max-width:82%;margin-left:auto;width:fit-content}
:root[data-theme="dark"] .uMsg{background:#223142;color:var(--ink)}
.aMsg{margin-top:18px;background:var(--surface);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:18px 20px;font-size:14.5px}
.aMsg .grounded{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--good);background:var(--good-soft);border-radius:999px;padding:3px 10px;margin-bottom:12px}
.aMsg h4{font-size:15.5px;font-weight:750;margin:14px 0 6px;letter-spacing:-.01em}
.aMsg h4:first-of-type{margin-top:0}
.aMsg p{color:var(--ink2);margin:6px 0}
.aMsg p b,.aMsg li b{color:var(--ink)}
.aMsg ul{margin:8px 0 8px 18px;color:var(--ink2)}
.aMsg li{margin:5px 0}
.aMsg .srcNote{font-size:11.5px;color:var(--ink3);border-top:1px solid var(--line);margin-top:14px;padding-top:10px}
.aMsg .miniTable{width:100%;border-collapse:collapse;margin:10px 0}
.aMsg .miniTable th{font-size:10px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--ink3);text-align:left;padding:5px 8px;border-bottom:1px solid var(--line)}
.aMsg .miniTable td{font-size:13.5px;padding:8px;border-bottom:1px solid var(--line)}
.aMsg .miniTable td.r,.aMsg .miniTable th.r{text-align:right}
.aMsg .miniTable tr:last-child td{border-bottom:0}
.followups{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.followups button{border:1px solid var(--line);background:var(--surface2);border-radius:999px;padding:6px 13px;font-size:12.5px;font-weight:600;color:var(--ink2)}
.followups button:hover{border-color:var(--gold);color:var(--gold-text)}
.threadComposer{padding:22px 0 18px}
.threadComposer .composer{margin-top:0}
.threadComposer .composer textarea{min-height:24px}

/* ============ FLOATING ASK-AI WIDGET (PR #157 behavior) ============ */
.askWidget{position:fixed;right:22px;bottom:22px;z-index:80;display:flex;flex-direction:column;align-items:flex-end}
.awPill{display:flex;align-items:center;gap:9px;border:1px solid var(--gold);background:var(--surface);color:var(--gold-text);font-weight:700;font-size:13.5px;border-radius:999px;padding:11px 18px;box-shadow:var(--shadow-lg)}
.awPill .spark{font-size:15px}
.awTray{display:none;width:392px;max-width:calc(100vw - 44px);background:var(--surface);border:1px solid var(--line2);border-radius:18px;box-shadow:var(--shadow-lg);overflow:hidden}
.askWidget.open .awTray{display:flex;flex-direction:column}
.askWidget.open .awPill{display:none}
.awHead{display:flex;align-items:center;gap:9px;padding:12px 14px;border-bottom:1px solid var(--line);background:var(--surface2)}
.awHead .amp{width:24px;height:24px;border-radius:7px;font-size:15px}
.awHead b{font-size:13.5px;letter-spacing:-.01em}
.awHead .full{margin-left:auto;font-size:12px;font-weight:700;color:var(--gold-text);text-decoration:none;white-space:nowrap}
.awHead .close{border:0;background:none;color:var(--ink3);font-size:15px;padding:2px 4px;margin-left:2px}
.awBody{max-height:min(52vh,430px);overflow-y:auto;padding:14px}
.awQ{background:var(--navy);color:var(--navy-ink);border-radius:12px 12px 3px 12px;padding:8px 12px;font-size:13px;font-weight:550;width:fit-content;max-width:88%;margin-left:auto}
:root[data-theme="dark"] .awQ{background:#223142;color:var(--ink)}
.awA{margin-top:10px;font-size:13px;color:var(--ink2)}
.awA b{color:var(--ink)}
.awA .grounded{display:inline-flex;align-items:center;gap:5px;font-size:10px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--good);background:var(--good-soft);border-radius:999px;padding:2px 8px;margin-bottom:7px}
.awA ul{margin:6px 0 6px 16px}
.awA li{margin:4px 0}
.awFoot{padding:10px 14px 12px;border-top:1px solid var(--line)}
.awComposer{display:flex;align-items:center;gap:8px;border:1.5px solid var(--line2);border-radius:12px;padding:8px 8px 8px 12px;background:var(--surface)}
.awComposer:focus-within{border-color:var(--gold)}
.awComposer input{flex:1;border:0;background:none;outline:none;font-family:inherit;font-size:13.5px;color:var(--ink);min-width:0}
.awComposer input::placeholder{color:var(--ink3)}
.awComposer .sendBtn{width:30px;height:30px;border-radius:9px;font-size:13px}
.awHint{font-size:10.5px;color:var(--ink3);margin-top:7px;text-align:center}
@media(max-width:640px){
  .askWidget{right:12px;bottom:12px;left:12px;align-items:stretch}
  .awPill{align-self:flex-end}
  .awTray{width:100%;max-width:none}
}

/* ============ WALLET — budget entry ============ */
.budgetRow{display:grid;grid-template-columns:170px 1fr 150px;gap:14px;align-items:center;padding:13px 0;border-bottom:1px solid var(--line)}
.budgetRow:last-child{border-bottom:0}
.budgetRow .cat{font-size:14px;font-weight:650}
.budgetRow .cat span{display:block;font-size:11.5px;font-weight:400;color:var(--ink3)}
.bandChips{display:flex;flex-wrap:wrap;gap:6px;align-items:center}
.bandChips button{border:1px solid var(--line);background:var(--surface2);border-radius:999px;padding:5px 11px;font-size:12px;font-weight:600;color:var(--ink2);font-variant-numeric:tabular-nums}
.bandChips button:hover{border-color:var(--gold-text)}
.bandChips button.on{border-color:var(--gold);background:var(--gold-soft);color:var(--gold-text)}
.customWrap{display:inline-flex;align-items:center;gap:0;border:1px solid var(--gold);border-radius:999px;overflow:hidden;background:var(--surface)}
.customWrap .cur{padding:5px 2px 5px 11px;font-size:12px;font-weight:700;color:var(--gold-text)}
.customWrap input{width:70px;border:0;background:none;outline:none;font-family:inherit;font-size:12.5px;font-weight:700;color:var(--ink);padding:5px 10px 5px 2px;font-variant-numeric:tabular-nums}
.customWrap input::placeholder{color:var(--ink3);font-weight:500}
.budgetRow .best{font-size:11.5px;color:var(--ink2);text-align:right}
.budgetRow .best b{color:var(--good);font-weight:650;display:block;font-size:12.5px}
.budgetRow .best .num{white-space:nowrap}
@media(max-width:900px){
  .budgetRow{grid-template-columns:1fr;gap:8px;padding:15px 0}
  .budgetRow .best{text-align:left;display:flex;gap:6px;align-items:baseline}
  .budgetRow .best b{display:inline}
}
.budgetSummary{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap;margin-bottom:14px;font-size:13.5px;color:var(--ink2)}
.budgetSummary .tot{font-size:22px;font-weight:750;color:var(--ink);letter-spacing:-.02em}
/* wallet empty state */
.emptyHero{border:1.5px dashed var(--line2);border-radius:18px;background:var(--surface2);padding:44px 28px;text-align:center;max-width:720px;margin:26px auto}
.emptyHero .amp{margin:0 auto 14px;width:44px;height:44px;border-radius:13px;font-size:26px}
.emptyHero h2{font-family:'Fraunces',Georgia,serif;font-size:26px;font-weight:600;letter-spacing:-.01em}
.emptyHero p{color:var(--ink2);font-size:14px;max-width:440px;margin:8px auto 18px}
.btnPrimary{display:inline-flex;align-items:center;gap:8px;border:0;background:var(--navy);color:var(--navy-ink);font-weight:700;font-size:14px;border-radius:12px;padding:12px 22px;text-decoration:none}
.btnGhost{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line2);background:var(--surface);color:var(--ink2);font-weight:600;font-size:13.5px;border-radius:12px;padding:11px 18px;margin-left:8px;text-decoration:none}
.ghostRows .progName,.ghostRows td{opacity:.45;filter:grayscale(.4)}

/* ============ STRATEGY — matrix ============ */
.lensSeg{display:inline-flex;border:1px solid var(--line2);border-radius:999px;background:var(--surface2);padding:3px;gap:2px}
.lensSeg button{border:0;background:none;border-radius:999px;padding:6px 14px;font-size:12.5px;font-weight:650;color:var(--ink2)}
.lensSeg button.on{background:var(--navy);color:var(--navy-ink)}
:root[data-theme="dark"] .lensSeg button.on{background:#223142;color:var(--ink)}
.matrixToolbar{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin:14px 0 10px}
.matrixLegend{display:flex;align-items:center;gap:14px;flex-wrap:wrap;font-size:11.5px;color:var(--ink2)}
.matrixLegend .swTop{font-weight:800;color:var(--good)}
.matrixLegend .swNote{display:inline-grid;place-items:center;width:16px;height:16px;border-radius:99px;background:var(--gold-soft);color:var(--gold-text);font-weight:800;font-size:11px}
.walletPill{display:inline-flex;align-items:center;gap:4px;font-size:10px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--gold-text);background:var(--gold-soft);border:1px solid var(--gold);border-radius:999px;padding:1px 7px;vertical-align:1px}
.matrixScroll{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:var(--surface)}
table.matrix{border-collapse:separate;border-spacing:0;width:100%;min-width:860px}
table.matrix th,table.matrix td{padding:0 14px;border-bottom:1px solid var(--line);font-size:13.5px;white-space:nowrap;height:52px;vertical-align:middle}
table.matrix thead th{font-size:10.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--ink3);text-align:right;background:var(--surface2);position:sticky;top:0}
table.matrix tbody tr:last-child th,table.matrix tbody tr:last-child td{border-bottom:0}
table.matrix td{text-align:right;font-variant-numeric:tabular-nums;color:var(--ink2)}
table.matrix .cardCol{position:sticky;left:0;background:var(--surface);text-align:left;font-weight:600;color:var(--ink);z-index:2;box-shadow:1px 0 0 var(--line);max-width:250px;overflow:hidden;text-overflow:ellipsis}
table.matrix thead .cardCol{background:var(--surface2);z-index:3}
table.matrix .baseCol{color:var(--ink3);font-size:12.5px}
table.matrix td.top{color:var(--good);font-weight:800}
table.matrix tr.held .cardCol{color:var(--ink)}
table.matrix tr.held{background:color-mix(in srgb, var(--gold-soft) 55%, transparent)}
table.matrix tr.held .cardCol{background:color-mix(in srgb, var(--gold) 9%, var(--surface))}
.noteTrig{border:0;background:var(--gold-soft);color:var(--gold-text);font-weight:800;font-size:11px;width:16px;height:16px;border-radius:99px;display:inline-grid;place-items:center;margin-left:5px;vertical-align:1px}
.swipeHint{display:none;font-size:11.5px;color:var(--ink3);margin:6px 2px}
@media(max-width:1080px){.swipeHint{display:block}}
.notePop{position:fixed;z-index:110;max-width:300px;background:var(--navy);color:var(--navy-ink);font-size:12.5px;line-height:1.5;border-radius:12px;padding:10px 14px;box-shadow:var(--shadow-lg);display:none}
.notePop.on{display:block}
.notePop b{display:block;font-size:11px;letter-spacing:.05em;text-transform:uppercase;opacity:.7;margin-bottom:3px}
/* use + activate */
.useBars{display:grid;gap:12px;margin-top:6px}
.useRow{display:grid;grid-template-columns:200px 1fr 74px;gap:14px;align-items:center}
.useRow .m{font-size:13.5px;font-weight:600}
.useRow .m span{display:block;font-size:11.5px;font-weight:400;color:var(--ink3)}
.useRow .track{height:10px;border-radius:99px;background:var(--deep);overflow:hidden}
.useRow .track i{display:block;height:100%;border-radius:99px}
.useRow .val{font-weight:750;text-align:right;font-size:14px}
@media(max-width:640px){.useRow{grid-template-columns:118px 1fr 56px;gap:9px}}
.actList{display:grid;gap:10px}
.actItem{display:flex;gap:14px;align-items:flex-start;border:1px solid var(--line);border-radius:14px;padding:14px 16px;background:var(--surface)}
.actItem .when{flex:none;font-size:11px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-text);background:var(--gold-soft);border-radius:8px;padding:5px 9px;margin-top:2px}
.actItem h4{font-size:14px;font-weight:650}
.actItem p{font-size:13px;color:var(--ink2);margin-top:2px}
@media(max-width:640px){.actItem{flex-direction:column;gap:8px}}

/* ============ PROGRAMS ============ */
.progFilter{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:18px}
.progFilter button{border:1px solid var(--line);background:var(--surface);border-radius:999px;padding:7px 15px;font-size:13px;font-weight:600;color:var(--ink2)}
.progFilter button.on{border-color:var(--gold);background:var(--gold-soft);color:var(--gold-text)}
.valBarCell{display:flex;align-items:center;gap:10px;justify-content:flex-end}
.valBar{width:120px;height:6px;border-radius:99px;background:var(--deep);overflow:hidden;flex:none}
.valBar i{display:block;height:100%;border-radius:99px;background:var(--gold)}
.valBar i.hi{background:var(--good)}
@media(max-width:640px){.valBar{width:64px}}
/* ============ COVER / INDEX ============ */
.coverHero{max-width:860px;margin:40px auto 34px;text-align:center;padding:0 20px}
.coverHero .kicker{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.coverHero h1{font-family:'Fraunces',Georgia,serif;font-size:clamp(34px,5vw,52px);font-weight:600;letter-spacing:-.02em;line-height:1.08;margin-top:10px}
.coverHero p{color:var(--ink2);font-size:15.5px;max-width:620px;margin:16px auto 0}
.coverGrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;max-width:980px;margin:0 auto;padding:0 20px}
@media(max-width:900px){.coverGrid{grid-template-columns:1fr}}
.coverCard{display:block;background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--shadow);text-decoration:none;transition:transform .15s, box-shadow .15s}
.coverCard:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.coverCard .t{font-size:17px;font-weight:750;letter-spacing:-.01em;display:flex;align-items:center;gap:9px}
.coverCard .t .go{margin-left:auto;color:var(--gold-text)}
.coverCard p{font-size:13.5px;color:var(--ink2);margin-top:6px}
.coverCard .states{display:flex;gap:7px;flex-wrap:wrap;margin-top:12px}
.coverCard .states span{font-size:11.5px;font-weight:650;color:var(--ink2);border:1px solid var(--line);border-radius:999px;padding:3px 10px}
.coverList{max-width:980px;margin:26px auto 0;padding:0 20px;font-size:13.5px;color:var(--ink2)}
.coverList b{color:var(--ink)}
.coverList li{margin:7px 0 7px 18px}


/* ============ FINAL PASS ADDITIONS ============ */
/* ---- marketing homepage (logged-out) ---- */
.mkTopbarIn{max-width:1240px;margin:0 auto;display:flex;align-items:center;gap:8px;padding:0 20px;height:62px}
.mkNav{display:flex;align-items:center;gap:2px;margin-left:22px}
.mkNav a{padding:7px 12px;border-radius:999px;color:var(--ink2);font-weight:600;font-size:13.5px;text-decoration:none;cursor:pointer}
.mkNav a:hover{color:var(--ink)}
.btnSignIn{border:1px solid var(--line2);background:var(--surface);color:var(--ink);font-weight:650;font-size:13.5px;border-radius:12px;padding:9px 16px;text-decoration:none;white-space:nowrap;cursor:pointer}
.btnNavCta{border:0;background:var(--navy);color:var(--navy-ink);font-weight:700;font-size:13.5px;border-radius:12px;padding:10px 17px;text-decoration:none;white-space:nowrap;cursor:pointer}
@media(max-width:1080px){.mkNav{display:none}.btnSignIn{display:none}.mkTopbarIn{height:56px;padding:0 14px}}
.mkHero{max-width:1240px;margin:0 auto;padding:64px 20px 30px;display:grid;grid-template-columns:1.04fr .96fr;gap:56px;align-items:center}
@media(max-width:1080px){.mkHero{grid-template-columns:1fr;gap:40px;padding:40px 20px 16px}}
.mkKicker{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.mkHero h1{font-family:'Fraunces',Georgia,serif;font-size:clamp(36px,4.6vw,56px);font-weight:600;letter-spacing:-.02em;line-height:1.06;margin-top:14px}
.mkHero h1 em{font-style:normal;color:var(--gold-text)}
.mkSub{color:var(--ink2);font-size:16.5px;line-height:1.6;max-width:520px;margin-top:18px}
.mkCtas{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px;align-items:center}
.btnHero{display:inline-flex;align-items:center;gap:9px;border:0;background:var(--navy);color:var(--navy-ink);font-weight:700;font-size:15.5px;border-radius:14px;padding:15px 26px;text-decoration:none;cursor:pointer;box-shadow:var(--shadow-lg)}
.btnHeroGhost{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line2);background:var(--surface);color:var(--ink);font-weight:650;font-size:15px;border-radius:14px;padding:14px 22px;text-decoration:none;cursor:pointer}
.mkTrust{display:flex;gap:16px;flex-wrap:wrap;margin-top:20px;font-size:12.5px;color:var(--ink2);font-weight:550}
.mkTrust span{display:inline-flex;align-items:center;gap:6px}
.mkTrust .tick{color:var(--good);font-weight:800}
/* hero product visual */
.mkVisual{position:relative;display:grid;gap:14px}
.mkVisual .card{padding:18px 20px}
.mkVisual .walletCard .l{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink3)}
.mkVisual .walletCard .big{font-family:'Fraunces',Georgia,serif;font-size:40px;font-weight:600;letter-spacing:-.02em;margin-top:2px}
.mkVisual .walletCard .big .u{font-size:14px;color:var(--ink2);font-family:'Inter',sans-serif;font-weight:600}
.mkVisual .walletCard .rows{margin-top:12px;border-top:1px solid var(--line)}
.mkVisual .walletCard .row{display:flex;align-items:center;gap:10px;padding:9px 0;border-bottom:1px solid var(--line);font-size:13px;font-weight:600}
.mkVisual .walletCard .row:last-child{border-bottom:0}
.mkVisual .walletCard .row .r{margin-left:auto;text-align:right;font-weight:700}
.mkVisual .walletCard .row .r span{display:block;font-size:11px;color:var(--ink3);font-weight:500}
.mkEqCard{border-left:3px solid var(--gold)}
.mkEqCard .l{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink3)}
.mkEqCard .eqLine{font-size:19px;font-weight:700;letter-spacing:-.01em;margin-top:6px;font-variant-numeric:tabular-nums}
.mkEqCard .eqLine b{color:var(--good)}
.mkEqCard .s{font-size:12.5px;color:var(--ink2);margin-top:4px}
.mkAiCard .q{background:var(--navy);color:var(--navy-ink);border-radius:12px 12px 3px 12px;padding:8px 12px;font-size:12.5px;font-weight:550;width:fit-content;max-width:92%;margin-left:auto}
:root[data-theme="dark"] .mkAiCard .q{background:#223142;color:var(--ink)}
.mkAiCard .a{font-size:12.5px;color:var(--ink2);margin-top:9px}
.mkAiCard .a b{color:var(--ink)}
.mkAiCard .grounded{display:inline-flex;align-items:center;gap:5px;font-size:9.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--good);background:var(--good-soft);border-radius:999px;padding:2px 8px;margin-bottom:6px}
/* trust strip */
.mkStrip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--surface2);margin-top:46px}
.mkStripIn{max-width:1240px;margin:0 auto;padding:18px 20px;display:flex;gap:12px 34px;align-items:baseline;flex-wrap:wrap;justify-content:center}
.mkStripIn .lead{font-size:13.5px;font-weight:700}
.mkStripIn .stat{font-size:12.5px;color:var(--ink2)}
.mkStripIn .stat b{color:var(--ink);font-variant-numeric:tabular-nums}
/* generic marketing sections */
.mkSec{max-width:1240px;margin:0 auto;padding:66px 20px 0}
.mkSec .secKick{font-size:11.5px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-text)}
.mkSec>h2{font-family:'Fraunces',Georgia,serif;font-size:clamp(26px,3.4vw,38px);font-weight:600;letter-spacing:-.015em;line-height:1.12;margin-top:10px;max-width:640px}
.mkSec .secSub{color:var(--ink2);font-size:15px;max-width:600px;margin-top:12px;line-height:1.6}
.mkTrio{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:30px}
@media(max-width:900px){.mkTrio{grid-template-columns:1fr}}
.mkTrio .card{padding:24px}
.mkTrio .ic{width:38px;height:38px;border-radius:11px;background:var(--gold-soft);color:var(--gold-text);display:grid;place-items:center;font-size:18px;margin-bottom:14px}
.mkTrio h3{font-size:17px;font-weight:750;letter-spacing:-.01em}
.mkTrio p{font-size:13.5px;color:var(--ink2);margin-top:7px;line-height:1.6}
.mkTrio .proof{font-size:12.5px;font-weight:650;color:var(--gold-text);margin-top:12px;display:inline-block;text-decoration:none;cursor:pointer}
/* big equation moment */
.mkMathWrap{display:grid;grid-template-columns:1fr 1.1fr;gap:34px;align-items:center;margin-top:30px}
@media(max-width:1080px){.mkMathWrap{grid-template-columns:1fr}}
.mkBigEq{background:var(--navy);color:var(--navy-ink);border-radius:20px;padding:30px 30px 26px;box-shadow:var(--shadow-lg)}
:root[data-theme="dark"] .mkBigEq{background:linear-gradient(135deg,#223142,#141f2b);border:1px solid var(--line2);color:var(--ink)}
.mkBigEq .l{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;opacity:.65}
.mkBigEq .eq{font-family:'Fraunces',Georgia,serif;font-size:clamp(26px,3vw,34px);font-weight:600;letter-spacing:-.01em;margin-top:10px;line-height:1.25;font-variant-numeric:tabular-nums}
.mkBigEq .eq b{color:#e5b964}
.mkBigEq .s{font-size:13px;opacity:.75;margin-top:12px;line-height:1.55}
/* spread bars */
.mkSpread{display:grid;gap:10px;margin-top:26px;max-width:720px}
.mkSpreadRow{display:grid;grid-template-columns:190px 1fr 64px;gap:12px;align-items:center;font-size:13.5px}
.mkSpreadRow .track{height:10px;border-radius:99px;background:var(--deep);overflow:hidden}
.mkSpreadRow .track i{display:block;height:100%;border-radius:99px;background:var(--gold)}
.mkSpreadRow .track i.hi{background:var(--good)}
.mkSpreadRow .track i.lo{background:var(--bad);opacity:.65}
.mkSpreadRow .v{font-weight:750;text-align:right;font-variant-numeric:tabular-nums}
@media(max-width:640px){.mkSpreadRow{grid-template-columns:112px 1fr 52px;gap:8px;font-size:12.5px}}
/* CTA band */
.mkCta{max-width:1240px;margin:70px auto 0;padding:0 20px}
.mkCtaIn{background:var(--navy);color:var(--navy-ink);border-radius:24px;padding:56px 30px;text-align:center;box-shadow:var(--shadow-lg)}
:root[data-theme="dark"] .mkCtaIn{background:linear-gradient(135deg,#223142,#141f2b);border:1px solid var(--line2);color:var(--ink)}
.mkCtaIn h2{font-family:'Fraunces',Georgia,serif;font-size:clamp(28px,3.8vw,42px);font-weight:600;letter-spacing:-.015em}
.mkCtaIn p{opacity:.75;font-size:15px;margin-top:12px}
.mkCtaIn .btnHero{background:var(--gold);color:var(--gold-on);margin-top:26px}
/* footer */
.mkFoot{border-top:1px solid var(--line);margin-top:70px;background:var(--surface2)}
.mkFootIn{max-width:1240px;margin:0 auto;padding:44px 20px 34px;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
@media(max-width:900px){.mkFootIn{grid-template-columns:1fr 1fr}}
.mkFoot .about{font-size:13px;color:var(--ink2);max-width:280px;margin-top:12px;line-height:1.6}
.mkFoot h5{font-size:11px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--ink3);margin-bottom:12px}
.mkFoot a{display:block;font-size:13.5px;color:var(--ink2);text-decoration:none;padding:4px 0;cursor:pointer}
.mkFoot a:hover{color:var(--ink)}
.mkLegal{border-top:1px solid var(--line);font-size:11.5px;color:var(--ink3);padding:16px 20px 22px;text-align:center;line-height:1.6}
/* ---- wallet first-run wizard ---- */
.wizard{border:1.5px solid var(--gold);border-radius:20px;background:var(--surface);box-shadow:var(--shadow-lg);overflow:hidden;margin-bottom:26px}
.wizHead{display:flex;align-items:center;gap:12px;padding:16px 22px;background:var(--gold-soft);border-bottom:1px solid var(--line);flex-wrap:wrap}
.wizHead .amp{width:30px;height:30px;border-radius:9px;font-size:18px}
.wizHead b{font-size:15px;letter-spacing:-.01em}
.wizHead .time{font-size:12px;color:var(--ink2);font-weight:550}
.wizHead .prog{margin-left:auto;font-size:12px;font-weight:700;color:var(--gold-text);white-space:nowrap}
.wizRail{display:flex;gap:0;border-bottom:1px solid var(--line)}
.wizRail .st{flex:1;display:flex;align-items:center;gap:9px;padding:13px 18px;font-size:13px;font-weight:600;color:var(--ink3);border-right:1px solid var(--line);min-width:0}
.wizRail .st:last-child{border-right:0}
.wizRail .st .n{width:22px;height:22px;border-radius:99px;border:1.5px solid var(--line2);display:grid;place-items:center;font-size:11.5px;font-weight:800;flex:none}
.wizRail .st.on{color:var(--ink)}
.wizRail .st.on .n{background:var(--navy);border-color:var(--navy);color:var(--navy-ink)}
.wizRail .st.done .n{background:var(--good-soft);border-color:var(--good);color:var(--good)}
.wizRail .st span{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
@media(max-width:640px){.wizRail .st{padding:11px 10px;gap:7px;font-size:12px}.wizRail .st span{display:none}.wizRail .st.on span{display:inline}}
.wizBody{padding:22px}
.wizBody .lead{font-size:14px;color:var(--ink2);max-width:560px;margin-bottom:16px}
.wizBody .lead b{color:var(--ink)}
.pickGroup{font-size:11px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--ink3);margin:16px 0 8px}
.pickGroup:first-of-type{margin-top:0}
.pickRow{display:flex;gap:8px;flex-wrap:wrap}
.pickChip{display:inline-flex;align-items:center;gap:7px;border:1px solid var(--line2);background:var(--surface);border-radius:999px;padding:7px 14px;font-size:13px;font-weight:600;color:var(--ink2);cursor:pointer}
.pickChip:hover{border-color:var(--gold-text);color:var(--ink)}
.pickChip.on{border-color:var(--gold);background:var(--gold-soft);color:var(--gold-text)}
.pickChip .mk{width:18px;height:18px;border-radius:5px;display:grid;place-items:center;color:#fff;font-size:8.5px;font-weight:800;flex:none}
.wizActions{display:flex;align-items:center;gap:10px;margin-top:22px;flex-wrap:wrap}
.wizActions .skip{margin-left:auto;font-size:13px;font-weight:600;color:var(--ink3);background:none;border:0;cursor:pointer}
.wizNote{font-size:12px;color:var(--ink3);margin-top:14px}
.wizNote b{color:var(--good)}
/* ghost shell (first-run wallet layout) */
.shellCard{border:1.5px dashed var(--line2);border-radius:16px;background:var(--surface2);box-shadow:none}
.shellCard .sec .amt{color:var(--ink3)}
.shellRow td{color:var(--ink3)}
.shellRow .progName{opacity:.55;filter:grayscale(.5)}
.btnMini{border:1px solid var(--line2);background:var(--surface);color:var(--ink2);font-weight:650;font-size:12px;border-radius:999px;padding:5px 13px;cursor:pointer;white-space:nowrap}
.btnMini:hover{border-color:var(--gold);color:var(--gold-text)}
.kpi .v.zero{color:var(--ink3)}
.kpi.hero .v.zero{color:color-mix(in srgb, var(--navy-ink) 55%, transparent)}
:root[data-theme="dark"] .kpi.hero .v.zero{color:var(--ink3)}
/* totals toggle */
.totalsBar{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:12px;flex-wrap:wrap}
.totalsBar .hint{font-size:12px;color:var(--ink3)}

/* mobile fit fixes (audit pass) */
@media(max-width:640px){
  .hideM{display:none!important}
  table.data td{padding:12px 6px;font-size:13px}
  table.data th{padding:8px 6px}
  .budgetRow .best{flex-wrap:wrap}
  .btnMini{padding:4px 10px;font-size:11.5px}
}
@media(max-width:480px){
  .mkTopbarIn .beta{display:none}
  .btnNavCta{padding:9px 12px;font-size:12.5px}
  .btnHero{font-size:14.5px;padding:14px 20px}
}

@media(max-width:640px){
  .mkVisual .walletCard .big .u{display:block;margin-top:4px}
}