:root {
  color-scheme: light dark;
  --bg: #0e1628;
  --bg-soft: #16213a;
  --panel: rgba(15, 24, 43, 0.88);
  --panel-border: rgba(255, 255, 255, 0.08);
  --text: #f5f7fb;
  --muted: #9aa8c7;
  --accent: #67d5ff;
  --accent-2: #9cffc7;
  --danger: #ff9b8e;
  --shadow: 0 24px 60px rgba(0, 0, 0, 0.34);
  --input-bg: rgba(255, 255, 255, 0.05);
  --input-hover-bg: rgba(255, 255, 255, 0.08);
  --row-hover: rgba(103, 213, 255, 0.06);
  --row-alt: rgba(255, 255, 255, 0.02);
}

@media (prefers-color-scheme: light) {
  :root {
    --bg: #edf3fb;
    --bg-soft: #f8fbff;
    --panel: rgba(255, 255, 255, 0.88);
    --panel-border: rgba(44, 68, 104, 0.12);
    --text: #172033;
    --muted: #5e6a80;
    --accent: #0159ff;
    --accent-2: #0c8f63;
    --danger: #c63d4c;
    --shadow: 0 24px 60px rgba(35, 56, 89, 0.15);
    --input-bg: rgba(0, 0, 0, 0.03);
    --input-hover-bg: rgba(0, 0, 0, 0.06);
    --row-hover: rgba(1, 89, 255, 0.05);
    --row-alt: rgba(0, 0, 0, 0.02);
  }
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background:
    radial-gradient(circle at top left, rgba(103, 213, 255, 0.22), transparent 38%),
    radial-gradient(circle at top right, rgba(156, 255, 199, 0.18), transparent 32%),
    linear-gradient(160deg, var(--bg), var(--bg-soft));
  color: var(--text);
  min-height: 100vh;
}

.shell {
  width: min(1200px, calc(100% - 32px));
  margin: 0 auto;
  padding: 32px 0 48px;
}

/* ---- Hero ---- */

.hero {
  display: grid;
  grid-template-columns: 1.8fr 1fr;
  gap: 20px;
  align-items: stretch;
  margin-bottom: 20px;
}

.eyebrow {
  color: var(--accent);
  font-size: clamp(2.3rem, 4vw, 4.3rem);
  font-weight: 700;
  line-height: 1.05;
  margin: 0 0 14px;
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

h1,
h2,
p {
  margin-top: 0;
}

h1 {
  font-size: 1.05rem;
  font-weight: 400;
  line-height: 1.6;
  color: var(--muted);
  margin-bottom: 14px;
}

.lede {
  max-width: 66ch;
  color: var(--muted);
  font-size: 1.05rem;
  line-height: 1.6;
}

/* ---- Panels & Cards ---- */

.summary-card,
.panel {
  background: var(--panel);
  border: 1px solid var(--panel-border);
  border-radius: 24px;
  box-shadow: var(--shadow);
  backdrop-filter: blur(18px);
  position: relative;
}

.summary-card {
  padding: 22px 22px 22px 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  border-left: 4px solid var(--accent);
}

.summary-label {
  color: var(--muted);
  font-size: 0.84rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
}

.summary-card strong {
  font-size: 1.15rem;
  line-height: 1.4;
  display: block;
  margin-bottom: 8px;
}

.readiness-score {
  margin-top: 12px;
  padding: 14px 18px;
  border-radius: 12px;
  text-align: center;
}

.readiness-score .score-value {
  font-size: 2.2rem;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 4px;
}

.readiness-score .score-label {
  font-size: 0.82rem;
  color: var(--muted);
}

.readiness-score.score-green {
  background: color-mix(in srgb, #22c55e 15%, transparent);
  border: 1px solid color-mix(in srgb, #22c55e 30%, transparent);
}
.readiness-score.score-green .score-value { color: #22c55e; }

.readiness-score.score-yellow {
  background: color-mix(in srgb, #eab308 15%, transparent);
  border: 1px solid color-mix(in srgb, #eab308 30%, transparent);
}
.readiness-score.score-yellow .score-value { color: #eab308; }

.readiness-score.score-red {
  background: color-mix(in srgb, #ef4444 15%, transparent);
  border: 1px solid color-mix(in srgb, #ef4444 30%, transparent);
}
.readiness-score.score-red .score-value { color: #ef4444; }

.confidence-bands {
  position: relative;
  margin-bottom: 18px;
}

.confidence-note {
  font-size: 0.82rem;
  color: var(--muted);
  text-align: center;
  margin-top: 8px;
}

.panel {
  padding: 28px;
  margin-top: 18px;
  overflow: visible;
}

.panel::before {
  content: '';
  position: absolute;
  top: 0;
  left: 24px;
  right: 24px;
  height: 2px;
  background: linear-gradient(90deg, var(--accent), var(--accent-2), transparent);
  border-radius: 2px;
  opacity: 0.5;
}

/* ---- Form ---- */

.grid-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  transition: transform 0.15s ease;
}

.field:focus-within {
  transform: translateY(-1px);
}

.field-wide,
.accounts,
.button-primary,
.results-panel {
  grid-column: 1 / -1;
}

label {
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.01em;
}

input,
select {
  width: 100%;
  border-radius: 12px;
  border: 1px solid var(--panel-border);
  background: var(--input-bg);
  color: var(--text);
  padding: 11px 14px;
  font-size: 1rem;
  transition: border-color 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}

input:hover,
select:hover {
  background: var(--input-hover-bg);
  border-color: color-mix(in srgb, var(--accent) 30%, transparent);
}

input:focus,
select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent) 20%, transparent);
  background: var(--input-hover-bg);
}

.accounts h2,
.results-header h2 {
  margin-bottom: 10px;
}

.account-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

/* ---- Button ---- */

.button-primary {
  border: 0;
  border-radius: 999px;
  padding: 14px 28px;
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  color: #0e1628;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  width: fit-content;
  letter-spacing: 0.02em;
  transition: transform 0.15s ease, box-shadow 0.15s ease, filter 0.15s ease;
  box-shadow: 0 4px 16px color-mix(in srgb, var(--accent) 30%, transparent);
}

.button-primary:hover {
  transform: translateY(-2px) scale(1.02);
  box-shadow: 0 8px 24px color-mix(in srgb, var(--accent) 40%, transparent);
  filter: brightness(1.05);
}

.button-primary:active {
  transform: translateY(0) scale(0.98);
  box-shadow: 0 2px 8px color-mix(in srgb, var(--accent) 20%, transparent);
}

/* ---- Results ---- */

.results-header {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 16px;
  margin-bottom: 14px;
}

.results-header p {
  color: var(--muted);
  margin-bottom: 0;
}

.chart {
  overflow-x: auto;
  margin-bottom: 18px;
}

.table-wrap {
  overflow-x: auto;
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 740px;
}

th,
td {
  text-align: left;
  padding: 12px 10px;
  border-bottom: 1px solid var(--panel-border);
  vertical-align: top;
}

th {
  color: var(--muted);
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}

tbody tr:nth-child(even) {
  background: var(--row-alt);
}

tbody tr:hover {
  background: var(--row-hover);
}

.account-list {
  margin: 0;
  padding-left: 18px;
  display: grid;
  gap: 4px;
}

/* ---- Chart Legend ---- */

.chart-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 12px;
  font-size: 0.85rem;
  color: var(--muted);
}

.chart-legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.chart-legend-swatch {
  display: inline-block;
  width: 14px;
  height: 14px;
  border-radius: 3px;
  flex-shrink: 0;
}

.legend-swatch-a {
  background: linear-gradient(90deg, var(--accent), color-mix(in srgb, var(--accent) 70%, var(--accent-2)));
}

.legend-swatch-b {
  background: linear-gradient(90deg, var(--accent-2), color-mix(in srgb, var(--accent-2) 70%, var(--accent)));
}

.legend-swatch-confidence {
  background: color-mix(in srgb, var(--accent) 12%, transparent);
  border: 1px solid color-mix(in srgb, var(--accent) 30%, transparent);
}

/* ---- Bar Chart ---- */

.bar-chart {
  display: grid;
  gap: 8px;
}

.bar-row {
  display: grid;
  grid-template-columns: 70px 1fr 90px;
  gap: 10px;
  align-items: center;
}

.bar-track {
  height: 18px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: 999px;
  overflow: hidden;
  display: flex;
  position: relative;
}

.bar-confidence {
  position: absolute;
  height: 100%;
  background: color-mix(in srgb, var(--accent) 12%, transparent);
  border-radius: 999px;
  pointer-events: none;
}

.bar-fill-a {
  height: 100%;
  background: linear-gradient(90deg, var(--accent), color-mix(in srgb, var(--accent) 70%, var(--accent-2)));
  border-radius: 999px 0 0 999px;
  transition: width 0.4s ease;
}

.bar-fill-b {
  height: 100%;
  background: linear-gradient(90deg, var(--accent-2), color-mix(in srgb, var(--accent-2) 70%, var(--accent)));
  border-radius: 0 999px 999px 0;
  transition: width 0.4s ease;
}

.chart-tooltip {
  position: fixed;
  background: var(--surface);
  color: var(--text);
  border: 1px solid color-mix(in srgb, var(--accent) 40%, transparent);
  padding: 4px 10px;
  border-radius: 6px;
  font-size: 0.8rem;
  white-space: nowrap;
  pointer-events: none;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
  font-variant-numeric: tabular-nums;
  opacity: 0;
  transition: opacity 0.15s;
}

.chart-tooltip.visible {
  opacity: 1;
}

.bar-label,
.bar-value {
  font-size: 0.88rem;
  color: var(--muted);
  font-variant-numeric: tabular-nums;
}

.tax-note {
  color: var(--muted);
}

.totals-row {
  border-top: 2px solid var(--accent);
}

.totals-row td {
  padding-top: 16px;
  font-weight: 600;
}

.irmaa-active {
  background: color-mix(in srgb, var(--accent) 12%, transparent);
}

.irmaa-panel table {
  min-width: 640px;
}

/* ---- Spouse Layout ---- */

.shared-fields {
  grid-column: 1 / -1;
}

.shared-fields h2,
.spouse-column h2 {
  margin-bottom: 12px;
  font-size: 1.1rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.shared-fields h2 {
  color: var(--accent);
}

.shared-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.spouse-columns {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 8px;
}

.spouse-column {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 20px;
  border: 1px solid var(--panel-border);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.02);
  position: relative;
  overflow: visible;
}

.spouse-column::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  border-radius: 16px 16px 0 0;
}

.spouse-column:first-child::before {
  background: linear-gradient(90deg, var(--accent), transparent);
}

.spouse-column:last-child::before {
  background: linear-gradient(90deg, var(--accent-2), transparent);
}

.spouse-column:first-child h2 {
  color: var(--accent);
}

.spouse-column:last-child h2 {
  color: var(--accent-2);
}

.spouse-column .accounts {
  margin-top: 8px;
}

.spouse-column .accounts h3 {
  margin: 0 0 10px;
  font-size: 0.95rem;
  color: var(--muted);
  font-weight: 600;
}

.account-grid-spouse {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.account-grid-spouse label {
  font-size: 0.82rem;
}

/* ---- Expenditures ---- */

.expenditures-section {
  grid-column: 1 / -1;
  margin-top: 12px;
}

.expenditures-section h3 {
  margin: 0 0 10px;
  font-size: 0.95rem;
  color: var(--muted);
  font-weight: 600;
}

.expenditure-row {
  display: grid;
  grid-template-columns: 1.5fr 1fr auto 0.7fr 1fr 0.7fr auto;
  gap: 10px;
  align-items: end;
  margin-bottom: 10px;
}

.expenditure-row .field {
  min-width: 0;
}

.expenditure-row label {
  font-size: 0.78rem;
}

.btn-add-expenditure {
  border: 1px dashed var(--panel-border);
  border-radius: 12px;
  padding: 10px 18px;
  background: transparent;
  color: var(--accent);
  font-family: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s ease, border-color 0.2s ease;
}

.btn-add-expenditure:hover {
  background: var(--input-hover-bg);
  border-color: var(--accent);
}

.btn-remove-expenditure {
  border: none;
  border-radius: 8px;
  padding: 8px 12px;
  background: transparent;
  color: var(--danger);
  font-size: 1.1rem;
  cursor: pointer;
  transition: background 0.2s ease;
  align-self: end;
  margin-bottom: 4px;
}

.btn-remove-expenditure:hover {
  background: color-mix(in srgb, var(--danger) 15%, transparent);
}

.single-mode .exp-spouse-field {
  display: none;
}

.single-mode .expenditure-row {
  grid-template-columns: 1.5fr 1fr 0.7fr 1fr 0.7fr auto;
}

/* ---- Single Mode ---- */

.single-mode .spouse-column:last-child {
  display: none;
}

.single-mode .spouse-columns {
  grid-template-columns: 1fr;
}

.single-mode .withdrawal-mode-field {
  display: none;
}

.single-mode .account-grid-spouse {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

/* ---- Compare Tab ---- */

.compare-inputs {
  display: flex;
  gap: 16px;
  margin-bottom: 18px;
}

.compare-inputs .field {
  flex: 0 0 auto;
}

.single-mode .compare-b-field {
  display: none;
}

.compare-summary {
  padding: 14px 18px;
  margin-bottom: 18px;
  border-radius: 12px;
  background: var(--input-bg);
  border: 1px solid var(--panel-border);
  font-size: 0.95rem;
  line-height: 1.6;
}

.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.compare-col h3 {
  margin: 0 0 12px;
  font-size: 1rem;
  font-weight: 600;
}

.compare-col:first-child h3 {
  color: var(--accent);
}

.compare-col:last-child h3 {
  color: var(--accent-2);
}

.compare-col .chart {
  margin-bottom: 14px;
}

.compare-col table {
  min-width: 500px;
}

/* ---- Tabs ---- */

.tab-bar {
  display: flex;
  gap: 4px;
  margin-top: 18px;
  padding: 4px;
  background: var(--panel);
  border: 1px solid var(--panel-border);
  border-radius: 16px;
  box-shadow: var(--shadow);
  backdrop-filter: blur(18px);
}

.tab {
  flex: 1;
  padding: 12px 20px;
  border: none;
  border-radius: 12px;
  background: transparent;
  color: var(--muted);
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease;
}

.tab:hover {
  background: var(--input-hover-bg);
  color: var(--text);
}

.tab.active {
  background: linear-gradient(135deg, color-mix(in srgb, var(--accent) 18%, transparent), color-mix(in srgb, var(--accent-2) 12%, transparent));
  color: var(--text);
  box-shadow: 0 2px 8px color-mix(in srgb, var(--accent) 15%, transparent);
}

.tab-panel {
  display: none;
}

.tab-panel.active {
  display: block;
}

/* ---- IRMAA Panel ---- */

.irmaa-panel h3 {
  color: var(--accent);
  font-size: 1rem;
  margin: 0 0 12px;
}

/* ---- Responsive ---- */

@media (max-width: 920px) {
  .hero,
  .grid-form,
  .account-grid,
  .results-header {
    grid-template-columns: 1fr;
    display: grid;
  }

  .shared-grid {
    grid-template-columns: 1fr;
  }

  .expenditure-row {
    grid-template-columns: 1fr 1fr;
  }

  .expenditure-row .btn-remove-expenditure {
    grid-column: 1 / -1;
    justify-self: end;
  }

  .spouse-columns {
    grid-template-columns: 1fr;
  }

  .compare-grid {
    grid-template-columns: 1fr;
  }

  .compare-inputs {
    flex-direction: column;
  }

  .button-primary {
    width: 100%;
  }
}

@media (max-width: 680px) {
  .shell {
    width: min(100% - 20px, 1200px);
    padding-top: 18px;
  }

  .panel,
  .summary-card {
    border-radius: 20px;
    padding: 18px;
  }

  h1 {
    max-width: none;
  }
}

.ss-compare-container {
  grid-column: 1 / -1;
}

.ss-compare-table {
  width: 100%;
  min-width: auto;
  font-size: 0.85rem;
  margin: 0;
}

.ss-compare-table th {
  font-size: 0.75rem;
  padding: 6px 8px;
}

.ss-compare-table td {
  padding: 6px 8px;
}

.ss-selected {
  background: color-mix(in srgb, var(--accent) 15%, transparent) !important;
  font-weight: 600;
}

.ss-selected td {
  border-color: var(--accent);
}

.whatif-section {
  margin-bottom: 24px;
}

.whatif-section h3 {
  color: var(--accent);
  font-size: 1rem;
  margin: 0 0 12px;
}

.whatif-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 12px;
}

.whatif-btn {
  padding: 8px 16px;
  border: 1px solid var(--panel-border);
  border-radius: 999px;
  background: var(--input-bg);
  color: var(--text);
  font-family: inherit;
  font-size: 0.88rem;
  font-weight: 500;
  cursor: pointer;
  transition: background 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
}

.whatif-btn:hover {
  background: var(--input-hover-bg);
  border-color: color-mix(in srgb, var(--accent) 40%, transparent);
  transform: translateY(-1px);
}

.whatif-btn.active {
  background: color-mix(in srgb, var(--accent) 18%, transparent);
  border-color: var(--accent);
  color: var(--accent);
}

.whatif-results {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.whatif-delta {
  padding: 10px 16px;
  border-radius: 12px;
  background: var(--input-bg);
  border: 1px solid var(--panel-border);
  font-size: 0.9rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}

.whatif-delta-label {
  font-weight: 600;
  color: var(--accent);
}

.whatif-delta-values {
  display: flex;
  gap: 16px;
  color: var(--muted);
  font-variant-numeric: tabular-nums;
}

.whatif-delta-positive {
  color: #22c55e;
}

.whatif-delta-negative {
  color: #ef4444;
}

@media (max-width: 920px) {
  .whatif-buttons {
    flex-direction: column;
  }
}

/* ---- Help Tooltips ---- */

.help-tip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: color-mix(in srgb, var(--muted) 25%, transparent);
  color: var(--muted);
  font-size: 0.65rem;
  font-weight: 700;
  cursor: help;
  position: relative;
  margin-left: 6px;
  flex-shrink: 0;
  vertical-align: middle;
  -webkit-user-select: none;
  user-select: none;
  transition: background 0.2s ease, color 0.2s ease;
}

.help-tip:hover,
.help-tip:focus {
  background: color-mix(in srgb, var(--accent) 30%, transparent);
  color: var(--accent);
  outline: none;
}

.help-tip::after {
  content: attr(data-tooltip);
  position: absolute;
  bottom: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--bg-soft);
  color: var(--text);
  border: 1px solid var(--panel-border);
  border-radius: 10px;
  padding: 10px 14px;
  font-size: 0.82rem;
  font-weight: 400;
  line-height: 1.5;
  width: max-content;
  max-width: 280px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
  pointer-events: none;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.15s ease, visibility 0.15s ease;
  z-index: 100;
  text-transform: none;
  letter-spacing: normal;
}

.help-tip:hover::after,
.help-tip:focus::after {
  opacity: 1;
  visibility: visible;
}

@media (max-width: 680px) {
  .help-tip::after {
    left: auto;
    right: -8px;
    transform: none;
    max-width: 220px;
  }
}

/* ---- Save / Load controls ---- */

.io-controls {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
}

.io-import-label {
  display: inline-flex;
  align-items: center;
  cursor: pointer;
}

.io-import-input {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
  overflow: hidden;
  pointer-events: none;
}

/* ---- By-account chart view ---- */

.chart-view-toggle {
  display: inline-flex;
  gap: 2px;
  margin-bottom: 14px;
  padding: 2px;
  border-radius: 8px;
  background: color-mix(in srgb, var(--accent) 8%, transparent);
}

.chart-view-btn {
  border: none;
  background: transparent;
  color: var(--muted);
  padding: 6px 14px;
  border-radius: 6px;
  font-size: 0.85rem;
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
}

.chart-view-btn.active {
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  color: #0b1220;
  font-weight: 600;
}

.legend-note {
  color: var(--muted);
  font-style: italic;
}

.bar-divider {
  width: 2px;
  height: 100%;
  background: color-mix(in srgb, var(--text) 55%, transparent);
  flex-shrink: 0;
}

.bar-fill { height: 100%; }

.seg-cash { background: #22c1a6; }
.seg-brokerage { background: #f4b740; }
.seg-deferred { background: #6c8cff; }
.seg-taxfree { background: #c46bff; }