:root{
  --bg:#f5f6fa; --card:#fff; --ink:#151a2d; --muted:#626a85; --line:#e3e6ef;
  --brand:#9b1c2e; --brand-ink:#fff; --accent:#2f5bea; --ok:#127a4a; --warn:#b4560b; --bad:#b3261e;
  --chip:#eef1f8; --shadow:0 1px 2px rgba(20,26,45,.06),0 4px 16px rgba(20,26,45,.06);
}
[data-theme="midnight"]{
  --bg:#0e1220; --card:#171c2e; --ink:#eef1fb; --muted:#9aa3c0; --line:#283050;
  --brand:#e0485e; --brand-ink:#fff; --accent:#7d9bff; --ok:#43c48a; --warn:#f0a35a; --bad:#ff6b6b;
  --chip:#222a44; --shadow:0 1px 2px rgba(0,0,0,.4),0 6px 20px rgba(0,0,0,.35);
}
*{box-sizing:border-box}
html,body{margin:0;background:var(--bg);color:var(--ink)}
body{font:15px/1.45 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--accent)}
.wrap{max-width:1080px;margin:0 auto;padding:16px 16px calc(72px + env(safe-area-inset-bottom))}
.top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin:4px 0 16px}
.brand small{display:block;color:var(--muted);font-size:12px;letter-spacing:.06em;text-transform:uppercase;font-weight:600}
h1{font-size:24px;margin:0;letter-spacing:-.01em}
h2{font-size:17px;margin:0 0 12px}
h3{font-size:15px;margin:0 0 8px}
.top-actions{display:flex;gap:6px}
.tabs{display:flex;gap:4px;background:var(--card);padding:4px;border-radius:12px;box-shadow:var(--shadow);margin-bottom:16px;overflow-x:auto;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tabs button{flex:none;border:0;background:transparent;color:var(--muted);padding:9px 13px;border-radius:9px;font:inherit;font-weight:600;cursor:pointer;white-space:nowrap}
.tabs button.on{background:var(--brand);color:var(--brand-ink)}
.grid{display:grid;gap:12px}
.g4{grid-template-columns:repeat(4,1fr)} .g3{grid-template-columns:repeat(3,1fr)} .g2{grid-template-columns:repeat(2,1fr)}
@media (max-width:900px){.g3{grid-template-columns:1fr}}
@media (max-width:760px){.g4{grid-template-columns:repeat(2,1fr)}.g2{grid-template-columns:1fr}}
.card{background:var(--card);border-radius:14px;box-shadow:var(--shadow);padding:16px}
.card+.card,.grid+.card,.card+.grid,.grid+.grid{margin-top:12px}
.narrow{max-width:460px;margin:24px auto}
.center{text-align:center;padding:40px}
.tile .k{color:var(--muted);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.tile .v{font-size:26px;font-weight:700;margin-top:4px;letter-spacing:-.02em}
.tile .s{color:var(--muted);font-size:13px;margin-top:2px}
.pos{color:var(--ok)} .neg{color:var(--bad)} .warn{color:var(--warn)} .muted{color:var(--muted)}
.sect{display:flex;justify-content:space-between;align-items:baseline;margin:22px 0 10px}
.sect h2{margin:0}
.check-h{display:flex;justify-content:space-between;align-items:baseline;border-bottom:1px solid var(--line);padding-bottom:10px;margin-bottom:6px}
.check-h .d{font-weight:700;font-size:16px}
.check-h .a{color:var(--muted);font-size:13px}
.row{display:flex;align-items:center;gap:10px;padding:9px 0;border-bottom:1px dashed var(--line)}
.row:last-child{border-bottom:0}
.row .n{flex:1;min-width:0}
.row .n b{display:block;font-weight:600;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.row .n span{color:var(--muted);font-size:12px}
.amt{font-variant-numeric:tabular-nums;font-weight:600;white-space:nowrap}
.bar{height:8px;background:var(--chip);border-radius:99px;overflow:hidden;margin:10px 0 4px}
.bar i{display:block;height:100%;background:var(--accent);border-radius:99px;transition:width .3s}
.bar i.over{background:var(--bad)} .bar i.ok{background:var(--ok)}
.foot{display:flex;justify-content:space-between;font-size:14px;margin-top:6px}
.chip{display:inline-block;background:var(--chip);color:var(--muted);border-radius:99px;padding:2px 8px;font-size:11px;font-weight:600;vertical-align:1px}
.chip.ok{color:var(--ok)} .chip.bad{color:var(--bad)} .chip.warn{color:var(--warn)}
.btn{border:0;border-radius:10px;padding:10px 14px;font:inherit;font-weight:600;cursor:pointer;background:var(--brand);color:var(--brand-ink)}
.btn:disabled{opacity:.5;cursor:default}
.btn.ghost{background:var(--chip);color:var(--ink)}
.btn.sm{padding:6px 10px;font-size:13px;border-radius:8px}
.btn.block{width:100%;margin-top:10px}
.row-btns{display:flex;gap:8px;margin-top:14px;flex-wrap:wrap}
.icon{border:0;background:transparent;color:var(--muted);cursor:pointer;font-size:13px;padding:6px;border-radius:8px}
.icon:hover{background:var(--chip);color:var(--ink)}
a.cal{color:var(--accent);text-decoration:none;font-size:12px;font-weight:600;white-space:nowrap}
input,select{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:var(--bg);color:var(--ink);font:inherit;font-size:16px}
label{display:block;font-size:13px;color:var(--muted);font-weight:600;margin:12px 0 6px}
.form{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;align-items:end}
.form label{margin-top:0}
.form .s2{grid-column:span 2} .form .s3{grid-column:span 3} .form .s1{grid-column:span 1}
@media (max-width:760px){.form{grid-template-columns:1fr 1fr}.form .s2,.form .s3{grid-column:1/-1}.form .s1{grid-column:span 1}}
.cb{width:20px;height:20px;accent-color:var(--ok);cursor:pointer;flex:none}
.paid b{text-decoration:line-through;opacity:.6}
.empty{color:var(--muted);text-align:center;padding:18px 0}
.toast{position:fixed;left:50%;bottom:calc(18px + env(safe-area-inset-bottom));transform:translateX(-50%);background:var(--ink);color:var(--bg);padding:8px 14px;border-radius:99px;font-size:13px;opacity:0;transition:opacity .25s;pointer-events:none;z-index:50}
.toast.on{opacity:.92}
.hidden{display:none!important}
footer{color:var(--muted);font-size:12px;text-align:center;margin-top:28px}
.spinner{width:28px;height:28px;border:3px solid var(--chip);border-top-color:var(--brand);border-radius:50%;margin:0 auto 10px;animation:spin 1s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.or{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:12px;margin:14px 0 0}
.or:before,.or:after{content:"";flex:1;border-top:1px solid var(--line)}
.g{font-weight:800;color:#4285f4;margin-right:4px}
.note{font-size:13px;margin:10px 0 0;min-height:1em}
.fine{font-size:12px;color:var(--muted);margin-top:16px}
/* calendar */
.calgrid{display:grid;grid-template-columns:repeat(7,1fr);gap:4px}
.calgrid .dow{font-size:11px;color:var(--muted);font-weight:700;text-align:center;padding:4px 0}
.calgrid .day{min-height:78px;background:var(--bg);border-radius:8px;padding:5px;font-size:11px;overflow:hidden}
.calgrid .day.out{opacity:.35}
.calgrid .day.today{outline:2px solid var(--brand)}
.calgrid .day .num{font-weight:700;font-size:12px;margin-bottom:2px;display:flex;justify-content:space-between}
.calgrid .ev{display:block;border-radius:5px;padding:1px 4px;margin-top:2px;background:var(--chip);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.calgrid .ev.pay{background:var(--ok);color:#fff}
.calgrid .ev.done{text-decoration:line-through;opacity:.6}
@media (max-width:600px){.calgrid .day{min-height:56px;font-size:9.5px;padding:3px}.calgrid .ev{padding:0 2px}}
.calnav{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px}
/* year table */
.tbl{width:100%;border-collapse:collapse;font-size:14px}
.tbl th,.tbl td{padding:8px 6px;border-bottom:1px solid var(--line);text-align:right;font-variant-numeric:tabular-nums}
.tbl th:first-child,.tbl td:first-child{text-align:left}
.tbl th{color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.04em}
.tbl tr.cur td{font-weight:700}
.scroll{overflow-x:auto}
/* challenge grids */
.cgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(54px,1fr));gap:6px}
.cgrid button{border:1px solid var(--line);background:var(--bg);color:var(--ink);border-radius:8px;padding:8px 2px;font:inherit;font-size:12px;font-weight:600;cursor:pointer;font-variant-numeric:tabular-nums}
.cgrid button.on{background:var(--ok);border-color:var(--ok);color:#fff}
.seg{display:inline-flex;background:var(--chip);border-radius:10px;padding:3px;gap:3px;flex-wrap:wrap}
.seg button{border:0;background:transparent;color:var(--muted);padding:7px 10px;border-radius:8px;font:inherit;font-size:13px;font-weight:600;cursor:pointer}
.seg button.on{background:var(--card);color:var(--ink);box-shadow:var(--shadow)}
.modal{position:fixed;inset:0;background:rgba(10,12,20,.5);display:flex;align-items:center;justify-content:center;padding:16px;z-index:40}
.modal-card{background:var(--card);border-radius:16px;padding:18px;max-width:440px;width:100%;box-shadow:var(--shadow);max-height:90vh;overflow:auto}

/* ---------- dashboard visuals ---------- */
:root{--c0:#2f5bea;--c1:#9b1c2e;--c2:#127a4a;--c3:#d97706;--c4:#7c3aed;--c5:#0e8fa3;--c6:#db2777;--c7:#64748b;
  --s-bills:#2f5bea;--s-funds:#d97706;--s-left:#16a34a;--s-short:#dc2626}
[data-theme="midnight"]{--c0:#7d9bff;--c1:#f06b7f;--c2:#43c48a;--c3:#f5b14c;--c4:#b18cff;--c5:#4fd1e0;--c6:#f472b6;--c7:#94a3b8;
  --s-bills:#7d9bff;--s-funds:#f5b14c;--s-left:#43c48a;--s-short:#ff6b6b}
.viz .card{position:relative;overflow:hidden}
.viz .card::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--c0),var(--c4),var(--c6))}
.vh{display:flex;justify-content:space-between;align-items:center;gap:8px;margin-bottom:4px}
.vh h2{margin:0}
.sm{font-size:13px}
.big{font-size:30px;font-weight:800;letter-spacing:-.02em;margin:6px 0 10px;font-variant-numeric:tabular-nums}
.big small{font-size:14px;font-weight:600;letter-spacing:0}
.pill{display:inline-block;border-radius:99px;padding:4px 10px;font-size:12px;font-weight:700;white-space:nowrap}
.pill.ok{background:color-mix(in srgb,var(--ok) 15%,transparent);color:var(--ok)}
.pill.warn{background:color-mix(in srgb,var(--warn) 15%,transparent);color:var(--warn)}
.pill.bad{background:color-mix(in srgb,var(--bad) 15%,transparent);color:var(--bad)}
.pill.streak::before{content:"★ "}
.stack{display:flex;height:22px;border-radius:99px;overflow:hidden;background:var(--chip);gap:2px}
.stack .seg{display:block;height:100%;transition:width .5s ease}
.s-bills{background:var(--s-bills)} .s-funds{background:var(--s-funds)} .s-left{background:var(--s-left)}
.s-short{background:repeating-linear-gradient(45deg,var(--s-short) 0 6px,color-mix(in srgb,var(--s-short) 60%,transparent) 6px 12px)}
.legend{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:12px;font-size:13px;color:var(--muted)}
.legend b{color:var(--ink);margin-left:2px}
.dot{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.track{position:relative;height:14px;background:var(--chip);border-radius:99px;margin:4px 0 8px}
.track .fill{display:block;height:100%;border-radius:99px;background:linear-gradient(90deg,var(--c0),var(--c5));transition:width .5s ease}
.track .fill.done{background:linear-gradient(90deg,var(--ok),#22c55e)}
.track .mark{position:absolute;top:-4px;width:3px;height:22px;background:var(--ink);border-radius:2px;opacity:.55;transform:translateX(-1px)}
.hint{font-size:13px;margin:10px 0 0}
.donut{display:flex;align-items:center;gap:18px}
.donut svg{width:150px;height:150px;flex:none}
.donut circle{transition:stroke-dasharray .5s ease}
.d-k{font-size:10px;fill:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.d-v{font-size:20px;fill:var(--ink);font-weight:800}
.dl{flex:1;min-width:0;display:grid;gap:6px;font-size:13px}
.dl div{display:flex;align-items:center;gap:6px}
.dl span{flex:1;min-width:0;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.dl b{font-variant-numeric:tabular-nums}
.dl em{font-style:normal;color:var(--muted);width:36px;text-align:right}
.rings{display:grid;grid-template-columns:repeat(3,1fr);gap:14px 10px;margin-top:8px}
.ri{display:flex;flex-direction:column;align-items:center;text-align:center;font-size:12px;color:var(--muted);min-width:0}
.ri .ring{width:76px;height:76px;margin-bottom:4px}
.ri .ring circle:last-of-type{transition:stroke-dasharray .6s ease}
.ri b{color:var(--ink);font-size:13px;max-width:100%;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.r-v{font-size:15px;font-weight:800;fill:var(--ink)}
@media (max-width:520px){.donut{flex-direction:column;align-items:stretch}.donut svg{margin:0 auto}.rings{grid-template-columns:repeat(2,1fr)}.big{font-size:26px}}
.grid>.card{margin-top:0!important}
@media print{
  :root,[data-theme="midnight"]{--bg:#fff;--card:#fff;--ink:#111;--muted:#555;--line:#ddd;--chip:#eee;--shadow:none}
  *{-webkit-print-color-adjust:exact;print-color-adjust:exact}
  html,body{background:#fff}.wrap{max-width:none;padding:0}
  .top-actions,.tabs,footer,.toast,.modal,a.cal,.btn,button.icon{display:none!important}
  .card{box-shadow:none;border:1px solid #ddd;break-inside:avoid}
  input,select{border:0;background:transparent}.scroll{overflow:visible}
}