:root,:root[data-theme=light]{--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light;--teal-50:#e8f5f3;--teal-100:#cde9e5;--teal-200:#a8d5d0;--teal-400:#2a9d8f;--teal-500:#1a7a6e;--teal-600:#155f56;--teal-700:#0f4842;--teal-900:#0a2b27;--amber-300:#ffcd7a;--amber-500:#f5a623;--amber-600:#c68414;--ink:#0f172a;--ink-soft:#475569;--ink-muted:#64748b;--brand-text:#155f56;--accent-text:#c68414;--bg:#f8fafb;--surface:#fff;--surface-2:#f4f7f8;--surface-3:#edf2f3;--line:#e7edf0;--line-strong:#d8e0e4;--positive:#1f8e80;--negative:#c2410c;--danger:#c2410c;--tint-teal:#e8f5f3;--tint-teal-line:#cde9e5;--tint-amber:#fff8ec;--tint-amber-line:#ffe4b3;--tint-info-bg:#eef4ff;--tint-info-ink:#3a52a0;--tint-danger-bg:#fef2f0;--tint-danger-line:#fcd9cc;--track:#e2e8f0;--track-strong:#cbd5e1;--thead-bg:#0a2b27;--thead-ink:#eaf4f2;--seg-active:#2b3d38;--seg-active-ink:#fff;--chart-axis:#94a3b8;--chart-grid:#eef2f4;--series-snow:#1a7a6e;--series-ava:#f5a623;--glass:#f8fafbf2;--shadow-sm:0 1px 2px #0f172a0d;--shadow-md:0 1px 2px #0f172a0a, 0 10px 26px -14px #0f172a38;--shadow-lg:0 2px 4px #0f172a0d, 0 28px 56px -28px #0a2b2757;--r-sm:10px;--r-md:14px;--r-lg:20px;--r-pill:999px;--sans:"Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--mono:"IBM Plex Mono", ui-monospace, SFMono-Regular, Menlo, monospace}:root[data-theme=dark]{--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark;--brand-text:#5fd0c0;--accent-text:#f5be5c;--ink:#eaf2f0;--ink-soft:#aab9b5;--ink-muted:#7e918c;--bg:#0a1513;--surface:#13221e;--surface-2:#192b26;--surface-3:#1e332d;--line:#a8d5d014;--line-strong:#a8d5d029;--positive:#46c2b0;--negative:#f0916a;--danger:#f0916a;--tint-teal:#2a9d8f24;--tint-teal-line:#2a9d8f4d;--tint-amber:#f5a6231c;--tint-amber-line:#f5a62347;--tint-info-bg:#7896eb24;--tint-info-ink:#aec0f2;--tint-danger-bg:#f0916a1f;--tint-danger-line:#f0916a4d;--track:#253731;--track-strong:#3c504a;--thead-bg:#15403a;--thead-ink:#eaf2f0;--seg-active:#164a41;--seg-active-ink:#9fefe0;--chart-axis:#7e918c;--chart-grid:#ffffff12;--series-snow:#3fbfae;--series-ava:#f5b94f;--glass:#0a1513f0;--shadow-sm:0 1px 2px #0006;--shadow-md:0 1px 2px #00000059, 0 12px 28px -16px #000000b3;--shadow-lg:0 2px 6px #00000073, 0 30px 60px -30px #000000d9}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{background:var(--bg);color:var(--ink);font-family:var(--sans);-webkit-font-smoothing:antialiased;min-height:100dvh;transition:background .2s,color .2s}::selection{background:var(--amber-300);color:#0f172a}button,input{font-family:inherit}button{-webkit-tap-highlight-color:transparent;-webkit-user-select:none;user-select:none}:where(button,input,[role=button],a):focus-visible{outline:2px solid var(--teal-400);outline-offset:2px;border-radius:var(--r-sm)}.tabular{font-variant-numeric:tabular-nums}.text-positive{color:var(--positive)}.text-negative{color:var(--negative)}.text-brand{color:var(--brand-text)}.text-accent{color:var(--accent-text)}.text-muted{color:var(--ink-muted)}.text-soft{color:var(--ink-soft)}.app{flex-direction:column;min-height:100dvh;display:flex}@keyframes fadeUp{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}@keyframes pop{0%{opacity:0;transform:scale(.94)}60%{transform:scale(1.02)}to{opacity:1;transform:scale(1)}}@keyframes slideInRight{0%{opacity:0;transform:translate(28px)}to{opacity:1;transform:translate(0)}}@keyframes slideInLeft{0%{opacity:0;transform:translate(-28px)}to{opacity:1;transform:translate(0)}}.fade-up{animation:.3s both fadeUp}.pop{animation:.35s both pop}.screen[data-dir=forward] .wizard-body{animation:.28s both slideInRight}.screen[data-dir=back] .wizard-body{animation:.28s both slideInLeft}@media (prefers-reduced-motion:reduce){*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important}}.cf-header{padding:14px clamp(16px,4vw,32px);padding-top:max(14px, env(safe-area-inset-top));align-items:center;gap:12px;width:100%;max-width:1180px;margin:0 auto;display:flex}.wordmark{min-width:0;color:inherit;align-items:baseline;gap:8px;text-decoration:none;display:flex}.wordmark-name{letter-spacing:-.02em;white-space:nowrap;font-size:17px;font-weight:800}.wordmark-name .fin{color:var(--brand-text)}.wordmark-tagline{color:var(--ink-muted);white-space:nowrap;font-size:11.5px;font-weight:500}.tool-chip{background:var(--tint-teal);border:1px solid var(--tint-teal-line);color:var(--teal-700);border-radius:var(--r-pill);letter-spacing:.04em;text-transform:uppercase;white-space:nowrap;align-items:center;gap:6px;padding:3px 10px;font-size:11px;font-weight:700;display:inline-flex}:root[data-theme=dark] .tool-chip{color:var(--brand-text)}.header-spacer{flex:1}.header-back{border:1px solid var(--line);background:var(--surface);width:38px;height:38px;color:var(--ink-soft);cursor:pointer;border-radius:var(--r-pill);flex-shrink:0;justify-content:center;align-items:center;transition:background .15s,color .15s,border-color .15s;display:flex}.header-back:hover{color:var(--ink);border-color:var(--line-strong)}.header-back:active{transform:scale(.94)}.top-bar{gap:6px;display:flex}.top-btn{border-radius:var(--r-pill);background:var(--surface);border:1px solid var(--line);cursor:pointer;min-width:34px;height:34px;color:var(--ink-soft);justify-content:center;align-items:center;gap:6px;padding:0 10px;font-size:12px;font-weight:700;transition:background .15s,border-color .15s,color .15s;display:inline-flex}.top-btn:hover{border-color:var(--line-strong);color:var(--ink)}.top-btn:active{transform:scale(.94)}.step-dots{align-items:center;gap:6px;display:flex}.step-dots span{background:var(--line-strong);border-radius:50%;width:6px;height:6px;transition:all .3s cubic-bezier(.34,1.56,.64,1);display:block}.step-dots span.active{background:var(--teal-500);border-radius:3px;width:22px}.step-dots span.done{background:var(--teal-200)}.screen{flex-direction:column;flex:1;display:flex}.wizard-body{flex-direction:column;flex:1;width:100%;max-width:620px;margin:0 auto;padding:12px clamp(16px,4vw,24px) 32px;display:flex}.wizard-body.centered{text-align:center;justify-content:center;align-items:center}h1{letter-spacing:-.02em;margin-bottom:10px;font-size:clamp(26px,4.5vw,34px);font-weight:800;line-height:1.15}.subtitle{color:var(--ink-soft);max-width:52ch;margin-bottom:22px;font-size:14.5px;line-height:1.6}.screen-icon{border-radius:var(--r-md);background:var(--tint-teal);border:1px solid var(--tint-teal-line);width:44px;height:44px;color:var(--teal-600);justify-content:center;align-items:center;margin-bottom:14px;display:flex}.wizard-footer{width:100%;max-width:620px;padding:12px clamp(16px,4vw,24px);padding-bottom:max(20px, env(safe-area-inset-bottom));background:var(--bg);border-top:1px solid var(--line);margin:0 auto;position:sticky;bottom:0}.footnote{text-align:center;color:var(--ink-muted);margin-top:10px;font-size:12px}.welcome-hero h1{letter-spacing:-.02em;margin-bottom:12px;font-size:clamp(34px,6vw,46px);font-weight:800}.welcome-hero h1 .accent{color:var(--brand-text)}.welcome-hero .tagline{color:var(--ink-soft);max-width:44ch;margin:0 auto 24px;font-size:15.5px;line-height:1.65}.hero-motif{width:min(320px,78vw);margin-bottom:22px}.welcome-pills{flex-wrap:wrap;justify-content:center;gap:8px;margin-bottom:18px;display:flex}.pill{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-pill);color:var(--ink-soft);align-items:center;gap:7px;padding:6px 14px;font-size:13px;font-weight:600;display:inline-flex}.pill svg{color:var(--brand-text)}.free-line{color:var(--brand-text);background:var(--tint-teal);border:1px solid var(--tint-teal-line);border-radius:var(--r-pill);padding:6px 14px;font-size:12.5px;font-weight:600}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-sm);margin-bottom:12px;padding:18px 20px}.field{margin-bottom:14px}.field label{color:var(--ink-muted);text-transform:uppercase;letter-spacing:.05em;align-items:baseline;gap:6px;margin-bottom:6px;font-size:11px;font-weight:700;display:flex}.auto-flag{text-transform:none;letter-spacing:0;color:var(--brand-text);font-weight:600}.input-wrap{position:relative}.input-wrap input{background:var(--surface);border:1.5px solid var(--line-strong);border-radius:var(--r-sm);width:100%;color:var(--ink);font-variant-numeric:tabular-nums;-webkit-appearance:none;outline:none;padding:12px 14px;font-size:16px;font-weight:600;transition:border-color .15s,box-shadow .15s}.input-wrap input:focus{border-color:var(--teal-400);box-shadow:0 0 0 3px var(--tint-teal)}.input-wrap input::placeholder{color:var(--ink-muted);font-weight:500}.input-suffix{color:var(--ink-muted);pointer-events:none;font-size:14px;font-weight:600;position:absolute;top:50%;right:14px;transform:translateY(-50%)}.input-wrap.has-suffix input{padding-right:38px}.field-row{grid-template-columns:1fr 1fr;gap:10px;display:grid}.min-hint{color:var(--ink-muted);margin-top:5px;font-size:11.5px;line-height:1.45}.field-error{color:var(--danger);margin-bottom:10px;font-size:13px}.cf-select{appearance:none;background-color:var(--surface);border:1.5px solid var(--line-strong);border-radius:var(--r-sm);width:100%;color:var(--ink);cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-position:right 12px center;background-repeat:no-repeat;background-size:16px;outline:none;padding:12px 38px 12px 14px;font-size:15px;font-weight:600;transition:border-color .15s,box-shadow .15s}.cf-select:focus{border-color:var(--teal-400);box-shadow:0 0 0 3px var(--tint-teal)}.debt-remaining{color:var(--ink-muted);font-variant-numeric:tabular-nums;margin-top:3px;font-size:11px}.debt-remaining.warn{color:var(--amber-600);font-weight:650}:root[data-theme=dark] .debt-remaining.warn{color:var(--accent-text)}.input-hero input{text-align:center;padding:16px;font-size:26px;font-weight:800}.btn{border-radius:var(--r-md);cursor:pointer;border:1px solid #0000;justify-content:center;align-items:center;gap:8px;width:100%;min-height:48px;padding:13px 20px;font-size:15px;font-weight:700;transition:background .15s,border-color .15s,color .15s,transform .1s,opacity .15s;display:inline-flex}.btn:active{transform:translateY(1px)}.btn:disabled{opacity:.4;cursor:not-allowed}.btn:disabled:active{transform:none}.btn-primary{background:var(--teal-500);border-color:var(--teal-600);color:#fff}.btn-primary:hover:not(:disabled){background:var(--teal-600)}.btn-secondary{background:var(--surface);border-color:var(--line-strong);color:var(--brand-text)}.btn-secondary:hover:not(:disabled){border-color:var(--teal-200)}.btn-ghost{color:var(--ink-soft);border:1.5px solid var(--line-strong);background:0 0}.btn-ghost:hover:not(:disabled){color:var(--ink)}.btn-ghost.dashed{border-style:dashed}.btn-danger{background:var(--tint-danger-bg);color:var(--danger);border:1px solid var(--tint-danger-line)}.btn-sm{border-radius:var(--r-sm);width:auto;min-height:38px;padding:8px 14px;font-size:13px}.btn-icon{border-radius:var(--r-sm);width:36px;min-height:36px;padding:0}.debt-item{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);box-shadow:var(--shadow-sm);align-items:center;gap:10px;margin-bottom:8px;padding:11px 13px;display:flex}.debt-item-info{flex:1;min-width:0}.debt-item-name{white-space:nowrap;text-overflow:ellipsis;margin-bottom:1px;font-size:14px;font-weight:700;overflow:hidden}.debt-item-meta{color:var(--ink-soft);font-variant-numeric:tabular-nums;font-size:12px}.debt-item-amount{color:var(--ink);font-variant-numeric:tabular-nums;flex-shrink:0;font-size:15px;font-weight:800}.debt-item .btn-icon{color:var(--ink-muted);background:0 0;border-color:#0000}.debt-item .btn-icon:hover{color:var(--brand-text);background:var(--tint-teal)}.debt-total{text-align:right;color:var(--ink-soft);margin-top:2px;font-size:12.5px}.debt-total strong{color:var(--brand-text);font-variant-numeric:tabular-nums}.strategy-grid{grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px;display:grid}.strategy-card{border-radius:var(--r-md);border:1.5px solid var(--line);background:var(--surface);cursor:pointer;text-align:center;box-shadow:var(--shadow-sm);padding:18px 14px;transition:all .18s}.strategy-card:active{transform:scale(.98)}.strategy-card .s-icon{border-radius:var(--r-pill);justify-content:center;align-items:center;width:38px;height:38px;margin:0 auto 8px;display:flex}.strategy-card.snow .s-icon{background:var(--tint-teal);color:var(--teal-500)}.strategy-card.ava .s-icon{background:var(--tint-amber);color:var(--amber-600)}.s-name{margin-bottom:2px;font-size:15px;font-weight:800}.s-tag{text-transform:uppercase;letter-spacing:.05em;color:var(--ink-muted);font-size:10.5px;font-weight:650}.s-mini{color:var(--ink-soft);margin-top:10px;font-size:12px}.s-mini strong{font-variant-numeric:tabular-nums;margin-top:2px;font-size:17px;display:block}.strategy-card.snow .s-mini strong{color:var(--teal-600)}.strategy-card.ava .s-mini strong{color:var(--amber-600)}:root[data-theme=dark] .strategy-card.snow .s-mini strong{color:var(--brand-text)}:root[data-theme=dark] .strategy-card.ava .s-mini strong{color:var(--accent-text)}.strategy-card.selected.snow{border-color:var(--teal-500);box-shadow:0 0 0 3px var(--tint-teal), var(--shadow-md)}.strategy-card.selected.ava{border-color:var(--amber-500);box-shadow:0 0 0 3px var(--tint-amber), var(--shadow-md)}.hint{border-radius:var(--r-sm);border:1px solid;margin-top:10px;padding:12px 14px;font-size:13px;line-height:1.55}.hint.teal{background:var(--tint-teal);border-color:var(--tint-teal-line);color:var(--teal-700)}:root[data-theme=dark] .hint.teal{color:var(--brand-text)}.hint.amber{background:var(--tint-amber);border-color:var(--tint-amber-line);color:var(--amber-600)}:root[data-theme=dark] .hint.amber{color:var(--accent-text)}.hint.danger{background:var(--tint-danger-bg);border-color:var(--tint-danger-line);color:var(--danger)}.hint.info{background:var(--tint-info-bg);border-color:var(--tint-info-bg);color:var(--tint-info-ink)}.badge{border-radius:var(--r-pill);letter-spacing:.04em;text-transform:uppercase;border:1px solid;align-items:center;gap:6px;padding:3px 10px;font-size:11px;font-weight:650;display:inline-flex}.badge.ok{background:var(--tint-teal);border-color:var(--tint-teal-line);color:var(--teal-700)}:root[data-theme=dark] .badge.ok{color:var(--brand-text)}.badge.warn{background:var(--tint-amber);border-color:var(--tint-amber-line);color:var(--amber-600)}:root[data-theme=dark] .badge.warn{color:var(--accent-text)}.badge.info{background:var(--tint-info-bg);border-color:var(--tint-info-bg);color:var(--tint-info-ink)}.dashboard{flex:1;width:100%;max-width:1180px;margin:0 auto;padding:0 clamp(16px,4vw,32px) 40px}.dash-heading{flex-wrap:wrap;align-items:baseline;gap:10px;margin:4px 0 14px;display:flex}.dash-heading h2{letter-spacing:-.01em;font-size:clamp(20px,3vw,26px);font-weight:800}.dash-heading .meta{color:var(--ink-muted);font-variant-numeric:tabular-nums;font-size:13px}.kpi-band{z-index:40;background:var(--bg);border-bottom:1px solid var(--line);margin:0 calc(-1*clamp(16px,4vw,32px));padding:12px clamp(16px,4vw,32px);position:sticky;top:0}.kpi-row{grid-template-columns:repeat(4,minmax(0,1fr));align-items:end;gap:18px;max-width:1116px;display:grid}.kpi{flex-direction:column;gap:2px;min-width:0;display:flex}.kpi-label{letter-spacing:.04em;text-transform:uppercase;color:var(--ink-muted);white-space:nowrap;text-overflow:ellipsis;font-size:10.5px;font-weight:650;overflow:hidden}.kpi-value{font-variant-numeric:tabular-nums;letter-spacing:-.01em;white-space:nowrap;font-size:20px;font-weight:800;line-height:1.15}.kpi.hero .kpi-value{color:var(--brand-text);font-size:clamp(24px,3.2vw,34px)}.kpi-note{color:var(--ink-muted);white-space:nowrap;text-overflow:ellipsis;font-size:11.5px;overflow:hidden}.kpi.hero .kpi-note{white-space:normal;text-overflow:unset;line-height:1.4;overflow:visible}.kpi-value.negative{color:var(--negative)}.kpi-value.positive{color:var(--positive)}.dash-nav{background:var(--surface-2);border:1px solid var(--line);border-radius:var(--r-pill);gap:2px;margin:16px 0 18px;padding:3px;display:inline-flex}.dash-nav button{border-radius:var(--r-pill);cursor:pointer;color:var(--ink-soft);background:0 0;border:none;align-items:center;gap:7px;padding:7px 16px;font-size:13px;font-weight:650;transition:all .15s;display:inline-flex}.dash-nav button.active{background:var(--seg-active);color:var(--seg-active-ink)}.overview-grid{grid-template-columns:minmax(0,1fr);align-items:stretch;gap:16px;display:grid}.overview-main,.overview-rail{flex-direction:column;gap:16px;min-width:0;display:flex}.chart-fill{height:340px}.overview-main .interest-card{flex-direction:column;display:flex}.overview-tip{margin-top:16px}.section-title{color:var(--ink-muted);text-transform:uppercase;letter-spacing:.07em;align-items:center;gap:8px;margin-bottom:10px;font-size:11px;font-weight:700;display:flex}.chart-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-sm);padding:16px 12px 8px 4px}.chart-card .chart-head{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px;padding:0 12px 10px 16px;display:flex}.chart-legend{flex-wrap:wrap;gap:14px;display:flex}.legend-dot{color:var(--ink-soft);align-items:center;gap:6px;font-size:12px;font-weight:600;display:flex}.legend-dot i{border-radius:2px;flex-shrink:0;width:14px;height:3px;display:inline-block}.segmented{background:var(--surface-2);border:1px solid var(--line);border-radius:var(--r-pill);gap:2px;padding:3px;display:flex}.segmented button{border-radius:var(--r-pill);cursor:pointer;color:var(--ink-soft);white-space:nowrap;background:0 0;border:none;flex:1;justify-content:center;align-items:center;gap:7px;padding:8px 10px;font-size:13px;font-weight:650;transition:all .15s;display:inline-flex}.segmented button.active{background:var(--seg-active);color:var(--seg-active-ink)}.slider{appearance:none;cursor:pointer;background:0 0;width:100%;height:26px;margin-top:8px}.slider::-webkit-slider-runnable-track{border-radius:var(--r-pill);background:linear-gradient(to right, var(--teal-500) 0%, var(--teal-500) var(--fill,0%), var(--track) var(--fill,0%));height:8px}.slider::-webkit-slider-thumb{-webkit-appearance:none;border:2.5px solid var(--teal-500);width:22px;height:22px;box-shadow:var(--shadow-md);background:#fff;border-radius:50%;margin-top:-7px;transition:transform .12s}.slider:active::-webkit-slider-thumb{transform:scale(1.12)}.slider::-moz-range-track{background:var(--track);border-radius:999px;height:8px}.slider::-moz-range-progress{background:var(--teal-500);border-radius:999px;height:8px}.slider::-moz-range-thumb{border:2.5px solid var(--teal-500);width:22px;height:22px;box-shadow:var(--shadow-md);background:#fff;border-radius:50%}.slider-meta{color:var(--ink-muted);font-variant-numeric:tabular-nums;justify-content:space-between;align-items:center;gap:8px;margin-top:6px;font-size:12px;display:flex}.interest-bars{flex-direction:column;gap:10px;display:flex}.ib-header{justify-content:space-between;align-items:baseline;gap:8px;margin-bottom:5px;display:flex}.ib-name{color:var(--ink-soft);white-space:nowrap;text-overflow:ellipsis;font-size:13px;font-weight:650;overflow:hidden}.ib-value{color:var(--negative);font-variant-numeric:tabular-nums;flex-shrink:0;font-size:13px;font-weight:700}.ib-track{background:var(--track);border-radius:var(--r-pill);height:7px;overflow:hidden}.ib-fill{border-radius:var(--r-pill);background:var(--negative);opacity:.85;height:100%;transition:width .4s ease-out}.compare-banner{border-radius:var(--r-md);box-shadow:var(--shadow-sm);border:1px solid;align-items:center;gap:14px;margin-bottom:16px;padding:16px 18px;display:flex}.compare-banner.better-snow{background:var(--tint-teal);border-color:var(--tint-teal-line)}.compare-banner.better-ava{background:var(--tint-amber);border-color:var(--tint-amber-line)}.banner-icon{border-radius:var(--r-pill);background:var(--surface);width:40px;height:40px;box-shadow:var(--shadow-sm);flex-shrink:0;justify-content:center;align-items:center;display:flex}.compare-banner.better-snow .banner-icon{color:var(--teal-500)}.compare-banner.better-ava .banner-icon{color:var(--amber-600)}.banner-title{margin-bottom:2px;font-size:15px;font-weight:800}.banner-sub{color:var(--ink-soft);font-size:13px;line-height:1.45}.banner-sub strong{font-variant-numeric:tabular-nums}.h2h-grid{grid-template-columns:1fr;gap:16px;display:grid}.stat-duo{grid-template-columns:1fr 1fr;gap:12px;display:grid}.stat-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-sm);padding:14px 16px}.stat-card.snow{border-top:3px solid var(--teal-500)}.stat-card.ava{border-top:3px solid var(--amber-500)}.stat-label{color:var(--ink-muted);text-transform:uppercase;letter-spacing:.05em;align-items:center;gap:6px;margin-bottom:5px;font-size:10.5px;font-weight:650;display:flex}.stat-card.snow .stat-label{color:var(--teal-600)}.stat-card.ava .stat-label{color:var(--amber-600)}:root[data-theme=dark] .stat-card.snow .stat-label{color:var(--brand-text)}:root[data-theme=dark] .stat-card.ava .stat-label{color:var(--accent-text)}.stat-value{letter-spacing:-.01em;font-variant-numeric:tabular-nums;font-size:20px;font-weight:800}.stat-sub{color:var(--ink-muted);font-variant-numeric:tabular-nums;margin-top:2px;font-size:11.5px}.payoff-list{flex-direction:column;gap:8px;display:flex}.payoff-item{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);box-shadow:var(--shadow-sm);align-items:center;gap:12px;padding:12px 14px;display:flex}.payoff-rank{border-radius:var(--r-pill);background:var(--tint-teal);border:1px solid var(--tint-teal-line);width:28px;height:28px;color:var(--teal-600);flex-shrink:0;justify-content:center;align-items:center;font-size:12px;font-weight:800;display:flex}:root[data-theme=dark] .payoff-rank{color:var(--brand-text)}.payoff-info{flex:1;min-width:0}.payoff-name{margin-bottom:1px;font-size:13.5px;font-weight:700}.payoff-meta{color:var(--ink-soft);font-variant-numeric:tabular-nums;font-size:11.5px}.payoff-month{color:var(--positive);font-size:12px;font-weight:700;font-family:var(--mono);font-variant-numeric:tabular-nums;text-align:right;flex-shrink:0}.tip-card{background:var(--tint-amber);border:1px solid var(--tint-amber-line);border-radius:var(--r-md);padding:16px 18px}.tip-card-head{justify-content:space-between;align-items:center;gap:8px;margin-bottom:8px;display:flex}.tip-title{margin-bottom:5px;font-size:14px;font-weight:750;line-height:1.35}.tip-body{color:var(--ink-soft);font-size:13px;line-height:1.6}.tip-actions{align-items:center;gap:10px;margin-top:10px;display:flex}.link-btn{color:var(--brand-text);cursor:pointer;background:0 0;border:none;align-items:center;gap:4px;padding:4px 0;font-size:12.5px;font-weight:700;display:inline-flex}.link-btn:hover{text-decoration:underline}.tips-grid{grid-template-columns:1fr;gap:12px;display:grid}.tip-full{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-sm);padding:18px 20px}.tip-full .badge{margin-bottom:10px}.tip-full h3{margin-bottom:6px;font-size:15.5px;font-weight:750;line-height:1.35}.tip-full p{color:var(--ink-soft);font-size:13.5px;line-height:1.65}.disclaimer{color:var(--ink-muted);border-top:1px solid var(--line);margin-top:20px;padding-top:14px;font-size:12px;line-height:1.6}.bottom-nav{z-index:50;background:var(--bg);border-top:1px solid var(--line);padding:0 4px;padding-bottom:max(10px, env(safe-area-inset-bottom));align-items:stretch;display:flex;position:fixed;bottom:0;left:0;right:0}.bnav-item{cursor:pointer;color:var(--ink-muted);background:0 0;border:none;flex-direction:column;flex:1;justify-content:flex-end;align-items:center;gap:3px;padding:8px 4px 0;transition:color .2s,transform .15s;display:flex;position:relative}.bnav-item.active{color:var(--brand-text)}.bnav-item:active{transform:scale(.92)}.bnav-pip{background:var(--teal-500);opacity:0;border-radius:0 0 4px 4px;width:24px;height:3px;transition:opacity .2s;position:absolute;top:0;left:50%;transform:translate(-50%)}.bnav-item.active .bnav-pip{opacity:1}.bnav-label{letter-spacing:.02em;white-space:nowrap;padding-bottom:6px;font-size:10px;font-weight:650}.sheet-overlay{-webkit-backdrop-filter:blur(6px);z-index:150;background:#0a141280;justify-content:center;align-items:flex-end;display:flex;position:fixed;inset:0}.sheet{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg) var(--r-lg) 0 0;width:100%;max-width:560px;padding:0 20px;padding-bottom:max(24px, env(safe-area-inset-bottom));-webkit-overflow-scrolling:touch;max-height:90dvh;box-shadow:var(--shadow-lg);border-bottom:none;overflow-y:auto}.sheet-handle{background:var(--line-strong);border-radius:2px;width:36px;height:4px;margin:12px auto 18px}.sheet h3{margin-bottom:16px;font-size:18px;font-weight:800}@media (width>=640px){.sheet-overlay{align-items:center;padding:24px}.sheet{border-radius:var(--r-lg);border-bottom:1px solid var(--line);padding-bottom:24px}.sheet-handle{display:none}}.reset-modal{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);text-align:center;width:100%;max-width:400px;box-shadow:var(--shadow-lg);padding:28px 24px 24px}.reset-modal .modal-icon{border-radius:var(--r-pill);background:var(--tint-danger-bg);border:1px solid var(--tint-danger-line);width:44px;height:44px;color:var(--danger);justify-content:center;align-items:center;margin:0 auto 12px;display:flex}.reset-modal h3{margin-bottom:8px;font-size:19px;font-weight:800}.reset-modal p{color:var(--ink-soft);font-size:13.5px;line-height:1.55}.micro-footer{text-align:center;color:var(--ink-muted);padding:24px 16px 88px;font-size:11.5px}.micro-footer .sep{opacity:.5;margin:0 6px}.empty-state{text-align:center;color:var(--ink-muted);padding:36px 20px}.empty-state h3{color:var(--ink-soft);margin-bottom:6px;font-size:15px}.empty-state p{max-width:40ch;margin:0 auto;font-size:13px;line-height:1.55}@media (width>=1024px){.overview-grid{grid-template-columns:minmax(0,2.15fr) minmax(300px,1fr);gap:20px}.overview-main .interest-card{flex:auto}.overview-main .interest-card .interest-bars{flex:auto;justify-content:space-between}.overview-rail .debts-card{flex:auto}.kpi-row{grid-template-columns:minmax(0,1.7fr) repeat(3,minmax(0,1fr));gap:28px}.kpi-value{font-size:22px}.kpi-note{font-size:12px}.bottom-nav{display:none}.micro-footer,.dashboard{padding-bottom:24px}}@media (width<=1023.5px){.dash-nav{display:none}.dashboard{padding-bottom:84px}.kpi-row{grid-template-columns:minmax(0,1.6fr) minmax(0,1fr) minmax(0,1fr)}.kpi.hide-mobile,.wordmark-tagline{display:none}}@media (width<=560px){.kpi-row{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr)}.kpi.hide-small{display:none}.field-row,.stat-duo{grid-template-columns:1fr}}@media (width>=720px){.tips-grid,.h2h-grid{grid-template-columns:1fr 1fr}}.note-accent{color:var(--positive);font-weight:650}:root[data-theme=dark] .kpi-band{background:linear-gradient(115deg,#0d221e 0%,#11473e 58%,#176a5e 135%);border-bottom:1px solid #5fd0c038}:root[data-theme=dark] .kpi-band .kpi-label{color:#cde9e5ad}:root[data-theme=dark] .kpi-band .kpi-value{color:#eaf7f4}:root[data-theme=dark] .kpi-band .kpi.hero .kpi-value{color:#8ceadb;text-shadow:0 0 26px #5fd0c047}:root[data-theme=dark] .kpi-band .kpi-value.negative{color:#ffcd7a}:root[data-theme=dark] .kpi-band .kpi-value.positive{color:#a9f0e4}:root[data-theme=dark] .kpi-band .kpi-note{color:#cde9e594}:root[data-theme=dark] .kpi-band .note-accent{color:#ffcd7a}:root[data-theme=dark] .card,:root[data-theme=dark] .chart-card,:root[data-theme=dark] .stat-card,:root[data-theme=dark] .tip-full,:root[data-theme=dark] .reset-modal,:root[data-theme=dark] .sheet{background:linear-gradient(#152722 0%,#111e1a 100%);border-color:#a8d5d01a}:root[data-theme=dark] .dash-nav,:root[data-theme=dark] .segmented{background:#e8f5f30b;border-color:#a8d5d01f}:root[data-theme=dark] .top-btn,:root[data-theme=dark] .header-back{background:#e8f5f30d;border-color:#a8d5d024}:root[data-theme=dark] .debt-item,:root[data-theme=dark] .payoff-item{background:#e8f5f30a;border-color:#a8d5d017}:root[data-theme=dark] .input-wrap input,:root[data-theme=dark] .cf-select{background-color:#0a15138c;border-color:#a8d5d02e}:root[data-theme=dark] .banner-icon{background:#e8f5f312}:root[data-theme=dark] .screen-icon{color:var(--brand-text)}:root[data-theme=dark] .btn-primary{background:linear-gradient(135deg,#1a7a6e 0%,#249587 100%);border-color:#5fd0c059}:root[data-theme=dark] .btn-primary:hover:not(:disabled){background:linear-gradient(135deg,#1f8a7c 0%,#2aa595 100%)}:root[data-theme=dark] .slider::-webkit-slider-runnable-track{background:linear-gradient(to right, #2a9d8f 0%, #2a9d8f var(--fill,0%), #253731 var(--fill,0%))}:root[data-theme=dark] .slider::-webkit-slider-thumb{background:#eaf2f0;border-color:#2a9d8f}:root[data-theme=dark] .slider::-moz-range-progress{background:#2a9d8f}:root[data-theme=dark] .slider::-moz-range-thumb{background:#eaf2f0;border-color:#2a9d8f}:root[data-theme=dark] .bottom-nav{background:#0c1b17;border-top-color:#a8d5d01f}:root[data-theme=dark] .wizard-footer{background:#0c1b17;border-top-color:#a8d5d01a}:root[data-theme=dark] .dash-nav button.active,:root[data-theme=dark] .segmented button.active{color:#9fefe0;background:linear-gradient(135deg,#14483f 0%,#1a6157 100%);box-shadow:inset 0 0 0 1px #5fd0c059}.chart-mode{background:var(--surface-2);border:1px solid var(--line);border-radius:var(--r-pill);gap:2px;padding:2px;display:inline-flex}.chart-mode button{border-radius:var(--r-pill);cursor:pointer;color:var(--ink-soft);white-space:nowrap;background:0 0;border:none;padding:5px 12px;font-size:12px;font-weight:650;transition:all .15s}.chart-mode button.active{background:var(--seg-active);color:var(--seg-active-ink)}:root[data-theme=dark] .chart-mode button.active{color:#9fefe0;background:linear-gradient(135deg,#14483f 0%,#1a6157 100%);box-shadow:inset 0 0 0 1px #5fd0c059}.fin-table-wrap{border:1px solid var(--line);border-radius:var(--r-md);-webkit-overflow-scrolling:touch;box-shadow:var(--shadow-sm);background:var(--surface);overflow-x:auto}:root[data-theme=dark] .fin-table-wrap{background:linear-gradient(#152722 0%,#111e1a 100%);border-color:#a8d5d01a}.fin-table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%;min-width:560px}.fin-table thead tr{background:var(--thead-bg)}.fin-table th{color:var(--thead-ink);letter-spacing:.05em;text-transform:uppercase;text-align:right;white-space:nowrap;padding:11px 14px;font-size:11px;font-weight:700}.fin-table th:nth-child(2){text-align:left}.fin-table th.c-rank{text-align:center;width:40px;padding-left:12px;padding-right:8px}.fin-table td{text-align:right;color:var(--ink);border-top:1px solid var(--line);white-space:nowrap;padding:10px 14px;font-size:13.5px}.fin-table tbody tr:nth-child(2n){background:var(--surface-2)}:root[data-theme=dark] .fin-table tbody tr:nth-child(2n){background:#e8f5f308}.fin-table td.num{font-variant-numeric:tabular-nums}.fin-table td.neg{color:var(--negative);font-weight:600}.fin-table td.c-rank{text-align:center;padding-left:12px;padding-right:8px}.rank-pip{border-radius:var(--r-pill);background:var(--tint-teal);border:1px solid var(--tint-teal-line);width:24px;height:24px;color:var(--teal-600);justify-content:center;align-items:center;font-size:12px;font-weight:800;display:inline-flex}:root[data-theme=dark] .rank-pip{color:var(--brand-text)}.fin-table td:nth-child(2){text-align:left}.t-name{font-size:13.5px;font-weight:700}.t-sub{color:var(--ink-muted);margin-top:1px;font-size:11px}.t-strong{font-size:12.5px;font-weight:700}.t-unit{color:var(--ink-muted);margin-left:1px;font-size:11px;font-weight:500}.fin-table tfoot tr{background:var(--tint-teal);border-top:2px solid var(--teal-200)}:root[data-theme=dark] .fin-table tfoot tr{background:#2a9d8f24;border-top:2px solid #5fd0c059}.fin-table tfoot td{color:var(--teal-700);border-top:none;font-size:13.5px;font-weight:800}:root[data-theme=dark] .fin-table tfoot td{color:var(--brand-text)}.fin-table tfoot td.neg{color:var(--negative)}.dash-toolbar{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;margin:16px 0 18px;display:flex}.dash-toolbar .dash-nav{margin:0}.lecture-open-btn{flex-shrink:0}.lecture{flex-direction:column;min-height:100dvh;display:flex}.lecture-bar{z-index:40;padding:12px clamp(16px,4vw,32px);padding-top:max(12px, env(safe-area-inset-top));background:var(--bg);border-bottom:1px solid var(--line);flex-wrap:wrap;align-items:center;gap:10px;display:flex;position:sticky;top:0}.lecture-doc{width:100%;max-width:820px;margin:0 auto;padding:clamp(24px,5vw,48px) clamp(18px,5vw,40px) 64px}.lecture-eyebrow{letter-spacing:.06em;text-transform:uppercase;color:var(--brand-text);margin-bottom:12px;font-size:12px;font-weight:700}.lecture-headline{letter-spacing:-.02em;margin-bottom:14px;font-size:clamp(28px,5vw,42px);font-weight:800;line-height:1.15}.lecture-headline .hl{color:var(--brand-text)}.lecture-lede{color:var(--ink-soft);max-width:60ch;margin-bottom:28px;font-size:clamp(16px,2.2vw,19px);line-height:1.6}.lecture-kpis{background:var(--line);border:1px solid var(--line);border-radius:var(--r-md);grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;margin-bottom:36px;display:grid;overflow:hidden}.lecture-kpis .lk{background:var(--surface);padding:16px 18px}:root[data-theme=dark] .lecture-kpis{background:var(--line)}:root[data-theme=dark] .lecture-kpis .lk{background:linear-gradient(#152722 0%,#111e1a 100%)}.lk-label{letter-spacing:.05em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:4px;font-size:10.5px;font-weight:650}.lk-val{font-variant-numeric:tabular-nums;letter-spacing:-.01em;font-size:24px;font-weight:800;line-height:1.1}.lk-val.hero{color:var(--brand-text);font-size:26px}.lk-val.neg{color:var(--negative)}.lk-val.pos{color:var(--positive)}.lk-note{color:var(--ink-muted);margin-top:3px;font-size:11.5px}.lecture-section{margin-bottom:34px}.lecture-section>h2{letter-spacing:-.01em;margin-bottom:12px;font-size:18px;font-weight:750}.lecture-list{flex-direction:column;gap:12px;list-style:none;display:flex}.lecture-list li{color:var(--ink-soft);padding-left:26px;font-size:15px;line-height:1.55;position:relative}.lecture-list li:before{content:"";background:var(--teal-500);border-radius:50%;width:8px;height:8px;position:absolute;top:8px;left:4px}:root[data-theme=dark] .lecture-list li:before{background:var(--brand-text)}.lecture-foot{color:var(--ink-muted);text-align:center;margin-top:26px;font-size:12px}.lecture-foot strong{color:var(--brand-text)}@media (width>=640px){.lecture-kpis{grid-template-columns:repeat(4,minmax(0,1fr))}}@media print{.lecture-bar,.lecture-tools{display:none!important}.lecture-doc{max-width:none;padding:0}.chart-card,.fin-table-wrap,.lecture-kpis{box-shadow:none;break-inside:avoid}.lecture-section{break-inside:avoid}body,.app,.lecture{background:#fff}}.ov-top{grid-template-columns:minmax(0,1fr);align-items:start;gap:16px;margin-bottom:16px;display:grid}.ov-block{margin-bottom:16px}.debt-grid{grid-template-columns:minmax(0,1fr);gap:10px;margin-top:4px;display:grid}.debt-grid .debt-item{margin-bottom:0}.debt-grid .add-cell{grid-column:1/-1;width:100%;margin-top:2px}.ov-block .interest-bars{gap:14px}.strat-nudge{background:var(--tint-teal);border:1px solid var(--tint-teal-line);width:100%;color:var(--teal-700);border-radius:var(--r-sm);cursor:pointer;text-align:left;justify-content:space-between;align-items:center;gap:10px;margin-top:14px;padding:10px 13px;font-size:12.5px;font-weight:650;line-height:1.4;transition:border-color .15s,background .15s;display:flex}.strat-nudge:hover{border-color:var(--teal-200)}.strat-nudge svg{flex-shrink:0}.strat-nudge.best{cursor:default;color:var(--ink-soft);background:var(--surface-2);border-color:var(--line)}:root[data-theme=dark] .strat-nudge{color:var(--brand-text)}:root[data-theme=dark] .strat-nudge.best{color:var(--ink-soft);background:#e8f5f30a}@media (width>=1024px){.ov-top{grid-template-columns:minmax(0,2fr) minmax(310px,1fr);gap:20px}.debt-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}}