:root{
  --bg:#f3f6fa;
  --panel:#ffffff;
  --panel-2:#f8fafc;
  --text:#0f172a;
  --muted:#64748b;
  --border:#dbe3ec;
  --accent:#0f766e;
  --accent-2:#115e59;
  --accent-soft:#ccfbf1;
  --warn:#92400e;
  --shadow:0 8px 24px rgba(15,23,42,.06);
}
*{box-sizing:border-box}
html{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
body{margin:0;background:var(--bg);color:var(--text)}
.wrap{width:min(1180px,calc(100% - 32px));margin:0 auto}
.site-header{background:#0f172a;color:white;padding:24px 0;margin-bottom:24px}
.header-row{display:flex;gap:20px;align-items:center;justify-content:space-between}
h1,h2,h3,p{margin-top:0}
h1{font-size:clamp(1.7rem,3vw,2.4rem);margin-bottom:4px}
h2{font-size:1.2rem;margin-bottom:6px}
.sub{margin:0;color:#cbd5e1}
.header-actions{display:flex;gap:10px}
.btn{border:1px solid #94a3b8;background:white;color:#0f172a;padding:10px 16px;border-radius:10px;font-weight:700;cursor:pointer}
.btn.primary{background:#14b8a6;border-color:#14b8a6;color:#042f2e}
.summary-grid,.bridge-stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-bottom:22px}
.metric{background:var(--panel);border:1px solid var(--border);border-radius:14px;padding:16px;box-shadow:var(--shadow)}
.metric span{display:block;color:var(--muted);font-size:.83rem;margin-bottom:8px}
.metric strong{font-size:1.35rem}
.metric.accent{background:var(--accent-soft);border-color:#99f6e4}
.panel{background:var(--panel);border:1px solid var(--border);border-radius:16px;padding:20px;margin:0 0 22px;box-shadow:var(--shadow)}
.section-title-row{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;margin-bottom:14px}
.section-title-row p,.bridge-head p{color:var(--muted);margin-bottom:0}
.input-grid{display:grid;gap:14px}
.input-grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.input-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
label{display:block;font-size:.88rem;font-weight:700;color:#334155}
input{width:100%;margin-top:7px;border:1px solid #cbd5e1;border-radius:10px;padding:11px 12px;font:inherit;background:white;color:var(--text)}
input:focus{outline:3px solid rgba(20,184,166,.18);border-color:#14b8a6}
.note{margin-top:12px;border-left:4px solid var(--accent);background:var(--panel-2);padding:10px 12px;color:#334155;border-radius:8px}
.cards-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-bottom:22px}
.loan-card{background:var(--panel);border:1px solid var(--border);border-radius:16px;padding:18px;box-shadow:var(--shadow)}
.loan-card.target{border:2px solid var(--accent)}
.card-top{display:flex;justify-content:space-between;gap:12px;align-items:flex-start}
.badge{display:inline-block;background:var(--accent-soft);color:var(--accent-2);font-size:.75rem;font-weight:800;padding:5px 8px;border-radius:999px;white-space:nowrap}
.loan-balance{font-size:1.7rem;font-weight:800;margin:12px 0 2px}
.muted{color:var(--muted)}
.card-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:14px}
.stat{background:var(--panel-2);border:1px solid #e8eef5;border-radius:11px;padding:10px}
.stat span{display:block;color:var(--muted);font-size:.77rem;margin-bottom:4px}
.stat strong{font-size:.95rem}
.progress{height:10px;background:#e2e8f0;border-radius:999px;overflow:hidden}
.progress-fill{height:100%;background:var(--accent);border-radius:999px}
.progress-row{margin-top:14px}
.progress-labels{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);margin-bottom:6px}
.bridge-panel{border:2px solid var(--accent)}
.bridge-head{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;margin-bottom:16px}
.eyebrow{font-size:.72rem;font-weight:900;color:var(--accent);letter-spacing:.08em;margin-bottom:5px}
.bridge-balance{text-align:right}
.bridge-balance span{display:block;color:var(--muted);font-size:.8rem}
.bridge-balance strong{font-size:1.8rem}
.bridge-stats{margin:18px 0 0}
.bridge-coverage{background:var(--panel-2);border:1px solid var(--border);border-radius:12px;padding:14px;margin-top:4px}
.bridge-coverage span{display:block;color:var(--muted);font-size:.8rem}
.bridge-coverage strong{display:block;margin:3px 0 10px}
.table-wrap{overflow-x:auto}
table{border-collapse:collapse;width:100%;min-width:900px}
th,td{text-align:left;border-bottom:1px solid var(--border);padding:10px 8px;vertical-align:middle}
th{font-size:.78rem;color:var(--muted)}
td input{margin:0;min-width:118px;padding:8px}
.flow{display:flex;flex-wrap:wrap;gap:9px;align-items:center}
.flow span{background:var(--panel-2);border:1px solid var(--border);border-radius:999px;padding:8px 11px;font-size:.85rem;font-weight:800}
.flow .flow-accent{background:var(--accent-soft);border-color:#99f6e4;color:var(--accent-2)}
.fineprint{font-size:.78rem;color:var(--muted);margin:12px 0 0}
footer{padding:12px 0 34px;color:var(--muted);font-size:.8rem}
@media (max-width:800px){
  .summary-grid,.bridge-stats{grid-template-columns:repeat(2,minmax(0,1fr))}
  .cards-grid{grid-template-columns:1fr}
  .input-grid.two,.input-grid.three{grid-template-columns:1fr}
  .bridge-head,.header-row{flex-direction:column}
  .bridge-balance{text-align:left}
}
@media (max-width:460px){
  .wrap{width:min(100% - 20px,1180px)}
  .summary-grid,.bridge-stats{grid-template-columns:1fr}
  .header-actions{width:100%}
  .header-actions .btn{flex:1}
}

.logout-link{text-decoration:none;display:inline-flex;align-items:center;justify-content:center}
.login-body{min-height:100vh;background:#0f172a;display:grid;place-items:center;padding:20px}
.login-wrap{width:min(100%,460px)}
.login-card{background:var(--panel);border-radius:18px;padding:26px;box-shadow:0 20px 60px rgba(0,0,0,.24)}
.login-card h1{font-size:1.65rem;margin-bottom:8px}
.login-card label{margin-top:16px}
.login-button{width:100%;margin-top:18px}
.login-error{margin:14px 0;background:#fee2e2;color:#991b1b;border:1px solid #fecaca;border-radius:10px;padding:10px 12px;font-weight:700}
.hash-box{width:100%;min-height:130px;margin-top:8px;border:1px solid #cbd5e1;border-radius:10px;padding:10px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.78rem}


.bridge-date-row{margin-top:14px}
.roth-breakdown{margin-top:16px;border:1px solid var(--border);border-radius:12px;overflow:hidden;background:var(--panel-2)}
.roth-line{display:flex;justify-content:space-between;gap:18px;padding:11px 14px;border-bottom:1px solid var(--border)}
.roth-line:last-child{border-bottom:0}
.roth-line span{color:var(--muted)}
.roth-line.total{background:#f8fafc;font-weight:800}
.roth-line.bridge-separate{border-top:2px solid var(--border)}
.roth-line.grand-total{background:var(--accent-soft);color:var(--accent-2);font-size:1.05rem}
.roth-line.grand-total span{color:var(--accent-2);font-weight:800}


/* V4 visual refresh: same layout, more personality */
body{
  background:
    radial-gradient(circle at top left, rgba(15,118,110,.08), transparent 34rem),
    linear-gradient(180deg,#f7fafc 0%,#eef4f8 100%);
}
.site-header{
  background:linear-gradient(135deg,#0f172a 0%,#132238 50%,#0f766e 140%);
  box-shadow:0 10px 30px rgba(15,23,42,.18);
}
.site-header h1{letter-spacing:-.025em}
.summary-hero .metric{position:relative;overflow:hidden}
.summary-hero .metric::after{
  content:"";position:absolute;right:-28px;top:-28px;width:88px;height:88px;border-radius:50%;
  background:rgba(15,118,110,.06)
}
.summary-hero .metric.accent::after{background:rgba(15,118,110,.14)}
.metric strong,.loan-balance,.bridge-balance strong{letter-spacing:-.025em}
.panel,.loan-card,.metric{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.loan-card:hover,.metric:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(15,23,42,.09)}
.loan-card.target{
  position:relative;
  background:linear-gradient(180deg,rgba(204,251,241,.45),rgba(255,255,255,.98) 42%);
}
.loan-card.target::before{
  content:"CURRENT TARGET";position:absolute;top:0;left:18px;transform:translateY(-50%);
  background:var(--accent);color:white;font-size:.67rem;font-weight:900;letter-spacing:.08em;
  padding:5px 9px;border-radius:999px
}
.badge{box-shadow:inset 0 0 0 1px rgba(15,118,110,.08)}
.progress{background:#dbe6eb}
.progress-fill{background:linear-gradient(90deg,#0f766e,#14b8a6)}
.bridge-glow{
  background:linear-gradient(135deg,rgba(204,251,241,.45),rgba(255,255,255,.98) 48%);
  box-shadow:0 12px 34px rgba(15,118,110,.10)
}
.bridge-balance{background:white;border:1px solid #99f6e4;border-radius:14px;padding:12px 14px;min-width:240px}
.roth-line.grand-total{background:linear-gradient(90deg,#ccfbf1,#ecfeff)}
.bridge-coverage{
  background:linear-gradient(90deg,rgba(15,118,110,.06),rgba(20,184,166,.03));
  border:1px solid #b7e4df
}
.bridge-coverage > div:first-child{display:flex;justify-content:space-between;gap:16px;align-items:flex-end;flex-wrap:wrap}
.bridge-coverage > div:first-child span{
  color:var(--accent-2);font-weight:900;text-transform:uppercase;letter-spacing:.07em;font-size:.7rem
}
.bridge-coverage > div:first-child strong{font-size:1.25rem}
.flow-panel{background:linear-gradient(135deg,#ffffff 0%,#f8fbfc 65%,#ecfeff 100%)}
.flow{margin-top:12px}
.flow span:not(.flow-accent){box-shadow:0 3px 10px rgba(15,23,42,.04)}
.flow .flow-accent{box-shadow:0 5px 14px rgba(15,118,110,.10)}
.section-title-row h2,.bridge-head h2,.flow-panel h2{letter-spacing:-.015em}
@media (prefers-reduced-motion:reduce){
  .panel,.loan-card,.metric{transition:none}
  .loan-card:hover,.metric:hover{transform:none}
}


/* V6 calculation visibility */
.summary-grid{
  grid-template-columns:repeat(5,minmax(0,1fr));
}
.live-metric{
  border-color:#99f6e4;
  background:linear-gradient(180deg,#f0fdfa,#ffffff);
}
.target-stat{
  background:linear-gradient(135deg,#ccfbf1,#f0fdfa);
  border-color:#99f6e4;
}
.target-stat strong{
  color:var(--accent-2);
  font-size:1.05rem;
}
@media (max-width:1000px){
  .summary-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
}
@media (max-width:700px){
  .summary-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:460px){
  .summary-grid{grid-template-columns:1fr}
}


/* V7 committed monthly payment entry */
#actualHelocPayment{
  border-width:2px;
  border-color:#5eead4;
  background:linear-gradient(180deg,#ffffff,#f0fdfa);
}
#actualHelocPayment::placeholder{
  color:#64748b;
}
#helocPaymentNote{
  font-weight:650;
}


/* V8 iPhone/iPad compatibility */
.payment-entry-form{margin:0}
.payment-grid{
  grid-template-columns:minmax(0,1.35fr) minmax(220px,.65fr);
  align-items:end;
}
.payment-input-row{
  display:grid;
  grid-template-columns:minmax(0,1fr) auto;
  gap:10px;
  align-items:end;
  margin-top:7px;
}
.payment-input-row input{
  margin-top:0;
  min-width:0;
}
.apply-payment-btn{
  min-height:46px;
  white-space:nowrap;
}
input,button{
  touch-action:manipulation;
}
@media (max-width:760px){
  .payment-grid{grid-template-columns:1fr}
  .payment-input-row{grid-template-columns:1fr}
  .apply-payment-btn{
    width:100%;
    min-height:50px;
    font-size:1rem;
  }
  input{
    font-size:16px;
    min-height:48px;
  }
  .cards-grid{grid-template-columns:1fr}
  .card-stats{grid-template-columns:1fr 1fr}
  .bridge-balance{min-width:0;width:100%}
}
@media (max-width:430px){
  .card-stats{grid-template-columns:1fr}
  .flow b{display:none}
  .flow span{width:100%;text-align:center}
}


/* V9 Roth last-updated metadata */
.field-meta{
  display:block;
  margin-top:6px;
  font-size:.76rem;
  font-weight:600;
  color:var(--muted);
}
@media (max-width:760px){
  #jeromyRoth,#aleciaRoth{
    font-size:16px;
    min-height:48px;
  }
}


/* V10 money-prefix inputs + mortgage at-a-glance card */
.money-input-wrap{
  position:relative;
  margin-top:7px;
}
.money-input-wrap .money-prefix{
  position:absolute;
  left:12px;
  top:50%;
  transform:translateY(-50%);
  z-index:1;
  font-weight:800;
  color:#475569;
  pointer-events:none;
}
.money-input-wrap input{
  margin-top:0;
  padding-left:28px;
}

.mortgage-panel{
  background:linear-gradient(135deg,#ffffff 0%,#f8fafc 62%,#eff6ff 100%);
  border-color:#cbd5e1;
}
.mortgage-eyebrow{color:#1d4ed8}
.mortgage-badge{
  background:#dbeafe;
  color:#1e40af;
  box-shadow:inset 0 0 0 1px rgba(30,64,175,.08);
}
.mortgage-hero{
  display:grid;
  grid-template-columns:1.25fr .75fr;
  gap:16px;
  align-items:stretch;
  margin:14px 0 16px;
}
.mortgage-hero > div{
  background:rgba(255,255,255,.82);
  border:1px solid #dbe3ec;
  border-radius:14px;
  padding:16px;
}
.mortgage-label{display:block;margin-bottom:4px}
.mortgage-balance{
  display:block;
  font-size:2rem;
  letter-spacing:-.03em;
}
.mortgage-next{
  display:flex;
  flex-direction:column;
  justify-content:center;
}
.mortgage-next > strong{
  font-size:1.18rem;
  margin:4px 0;
}
.mortgage-stats{
  grid-template-columns:repeat(4,minmax(0,1fr));
}
.mortgage-payment-editor{
  margin-top:16px;
  max-width:430px;
}
.mortgage-note{
  border-left-color:#2563eb;
}
@media (max-width:850px){
  .mortgage-hero{grid-template-columns:1fr}
  .mortgage-stats{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:520px){
  .mortgage-stats{grid-template-columns:1fr}
  .mortgage-balance{font-size:1.65rem}
}


/* V11 compact mortgage card beside final Parent PLUS */
.mortgage-card{
  background:linear-gradient(180deg,#eff6ff 0%,#ffffff 46%);
  border-color:#bfdbfe;
}
.mortgage-card .mortgage-badge{
  background:#dbeafe;
  color:#1e40af;
}
.compact-money-input{
  display:flex;
  align-items:center;
  gap:4px;
  font-weight:800;
}
.compact-money-input span{
  color:var(--text);
  font-size:.95rem;
}
.compact-money-input input{
  margin:0;
  padding:0;
  border:0;
  background:transparent;
  font-weight:800;
  font-size:.95rem;
  min-width:0;
  width:100%;
  color:var(--text);
  box-shadow:none;
}
.compact-money-input input:focus{
  outline:2px solid rgba(37,99,235,.2);
  outline-offset:2px;
  border-radius:4px;
}
.mortgage-mini-detail{
  display:flex;
  flex-wrap:wrap;
  gap:8px 14px;
  margin-top:14px;
  padding-top:12px;
  border-top:1px solid #dbeafe;
  color:var(--muted);
  font-size:.78rem;
  font-weight:700;
}
.mortgage-mini-detail span{
  white-space:nowrap;
}
@media (max-width:760px){
  .compact-money-input input{
    font-size:16px;
    min-height:auto;
  }
}


/* V12 mortgage original-balance progress */
.mortgage-progress-fill{
  background:linear-gradient(90deg,#2563eb,#60a5fa);
}


/* V13-fixed: safe one-level Undo */
.btn:disabled{
  opacity:.45;
  cursor:not-allowed;
}
.action-status{
  display:none;
  margin:0 0 16px;
  padding:10px 13px;
  border-radius:10px;
  border:1px solid #a7f3d0;
  background:#ecfdf5;
  color:#065f46;
  font-weight:700;
}
.action-status.show{display:block}