@charset "UTF-8";

:root {
  --apostle-gold:#d4af37; --deep-gold:#a8842b; --light-gold:#f0d77b;
  --apostle-navy:#0b1f3a; --midnight-navy:#061426; --ink:#0a0a0a;
  --white:#fff; --parchment:#faf7f0; --canvas:#f4f1ea; --surface:#fff;
  --text:#101b2b; --muted:#526173; --border:#d9d5ca; --blue:#24559a;
  --teal:#0d766e; --success:#277a4d; --attention:#9b6518; --urgent:#a73932;
  --focus:#1d65b5; --shadow:0 16px 44px rgba(11,31,58,.09);
  --radius-sm:.55rem; --radius:1rem; --radius-lg:1.5rem;
  --max:1180px; --header-h:74px;
  color-scheme:light;
}

html[data-theme="dark"] {
  --canvas:#071321; --surface:#0f2035; --text:#f8f7f2; --muted:#b3bfd0;
  --border:#31445d; --parchment:#13243a; --blue:#82aef0; --teal:#60c9bc;
  --success:#72d49b; --attention:#f0c46e; --urgent:#ff8f87; --focus:#f0d77b;
  --shadow:0 16px 44px rgba(0,0,0,.27); color-scheme:dark;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 16px)}
body{margin:0;background:var(--canvas);color:var(--text);font-family:Lato,"Segoe UI",Arial,sans-serif;font-size:16px;line-height:1.55;min-width:320px}
button,input,select{font:inherit}
button,label,summary{touch-action:manipulation}
button{cursor:pointer}
img,svg{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3,p{margin-top:0}
h1,h2{font-family:"Cormorant Garamond",Georgia,serif;line-height:1.02;color:var(--apostle-navy)}
html[data-theme="dark"] h1,html[data-theme="dark"] h2{color:var(--light-gold)}
h1{font-size:clamp(2.3rem,7vw,5.35rem);letter-spacing:-.035em;margin-bottom:1.25rem}
h2{font-size:clamp(1.85rem,4vw,3.1rem);margin-bottom:.75rem}
h3{font-size:1.05rem}
.skip-link{position:fixed;z-index:1000;top:8px;left:8px;transform:translateY(-160%);background:var(--white);color:var(--apostle-navy);padding:.75rem 1rem;border-radius:.4rem}
.skip-link:focus{transform:none}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
[hidden]{display:none!important}
.hide-sm{display:none}

.site-header{height:var(--header-h);background:var(--apostle-navy);color:var(--white);display:flex;align-items:center;justify-content:space-between;padding:0 clamp(1rem,4vw,3rem);position:sticky;top:0;z-index:50;border-bottom:2px solid var(--apostle-gold)}
.brand{display:flex;align-items:center;gap:.65rem;text-decoration:none;min-width:0}
.brand img{width:46px;height:46px;object-fit:contain}
.brand span{display:flex;flex-direction:column;min-width:0}
.brand b{font-family:Cinzel,Georgia,serif;text-transform:uppercase;letter-spacing:.075em;font-size:.8rem;white-space:nowrap}
.brand small{color:var(--light-gold);font-size:.74rem;letter-spacing:.04em}
.header-actions{display:flex;gap:.45rem}
.icon-btn{min-width:44px;height:44px;border:1px solid rgba(255,255,255,.25);border-radius:999px;background:transparent;color:var(--white);display:flex;align-items:center;justify-content:center;gap:.45rem;padding:0 .75rem}
.icon-btn:hover,.icon-btn[aria-pressed="true"]{background:rgba(255,255,255,.12);border-color:var(--apostle-gold)}
.icon-btn svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.8}

.progress-shell{max-width:var(--max);margin:1.15rem auto 0;padding:0 1rem}
.progress-meta{display:flex;justify-content:space-between;color:var(--muted);font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.progress-track{height:5px;background:var(--border);border-radius:999px;margin-top:.45rem;overflow:hidden}
.progress-track span{display:block;height:100%;width:20%;background:var(--apostle-gold);transition:width .25s ease}

main{min-height:calc(100vh - var(--header-h))}
.screen{max-width:var(--max);margin:0 auto;padding:clamp(2.25rem,6vw,5.5rem) 1rem 7rem}
.welcome-screen{display:grid;align-items:center;gap:2.5rem;min-height:calc(100vh - var(--header-h));padding-bottom:4rem}
.hero-copy{max-width:760px}
.eyebrow{font-family:Montserrat,"Segoe UI",Arial,sans-serif;text-transform:uppercase;letter-spacing:.19em;font-size:.72rem;font-weight:800;color:var(--deep-gold);margin-bottom:.8rem}
html[data-theme="dark"] .eyebrow{color:var(--light-gold)}
.hero-copy h1 em{font-style:normal;color:var(--deep-gold)}
html[data-theme="dark"] .hero-copy h1 em{color:var(--light-gold)}
.hero-lede{font-size:clamp(1.03rem,2.3vw,1.3rem);color:var(--muted);max-width:680px}
.trust-row{display:flex;flex-wrap:wrap;gap:.65rem 1.1rem;margin:1.5rem 0;color:var(--muted);font-size:.88rem;font-weight:700}
.trust-row span{display:flex;align-items:center;gap:.35rem}
.trust-row svg{width:18px;height:18px;fill:none;stroke:var(--success);stroke-width:2.2}
.hero-actions,.export-actions,.dialog-actions{display:flex;flex-wrap:wrap;align-items:center;gap:.7rem;margin-top:1.8rem}
.btn{min-height:46px;border-radius:.65rem;padding:.72rem 1.1rem;border:1px solid transparent;font-family:Montserrat,"Segoe UI",sans-serif;font-weight:800;font-size:.86rem;letter-spacing:.015em;display:inline-flex;align-items:center;justify-content:center;gap:.5rem;text-decoration:none;transition:background .18s ease,border-color .18s ease,color .18s ease,box-shadow .18s ease}
.btn-primary{background:var(--apostle-gold);color:var(--midnight-navy);border-color:var(--deep-gold)}
.btn-primary:hover{background:var(--light-gold);box-shadow:0 5px 18px rgba(212,175,55,.25)}
.btn-secondary{background:var(--surface);color:var(--apostle-navy);border-color:var(--border)}
html[data-theme="dark"] .btn-secondary{color:var(--text)}
.btn-secondary:hover{border-color:var(--deep-gold);background:var(--parchment)}
.text-btn{background:transparent;border:0;color:var(--blue);font-weight:800;min-height:44px;padding:.5rem;text-decoration:underline;text-underline-offset:.2em}
.danger-text{color:var(--urgent)}
.fine-print{color:var(--muted);font-size:.78rem;max-width:680px;margin-top:1.7rem}
.currency-choice{max-width:290px;margin-top:1.2rem}
.hero-card{background:var(--apostle-navy);color:var(--white);border:1px solid rgba(212,175,55,.45);border-radius:var(--radius-lg);padding:1.4rem;box-shadow:var(--shadow);overflow:hidden;position:relative}
.hero-card:after{content:"";position:absolute;inset:auto -20% -55% 25%;height:260px;background:radial-gradient(circle,rgba(212,175,55,.19),transparent 67%);pointer-events:none}
.hero-card-head{display:flex;align-items:center;gap:1rem}
.hero-card-head img{width:76px;height:76px}
.hero-card-head div{display:flex;flex-direction:column}
.hero-card-head small{color:#cad3df}.hero-card-head strong{font-family:Georgia,serif;font-size:1.3rem;margin-top:.25rem}
.status-dot{width:8px;height:8px;background:var(--apostle-gold);border-radius:50%;display:inline-block;margin-bottom:.35rem}
.mini-chart{height:190px;display:flex;align-items:flex-end;gap:.55rem;padding:1.6rem .7rem .8rem;border-bottom:1px solid rgba(255,255,255,.15)}
.mini-chart span{flex:1;background:linear-gradient(var(--light-gold),var(--deep-gold));border-radius:.25rem .25rem 0 0;opacity:.9}
.mini-metric{display:flex;justify-content:space-between;gap:1rem;padding-top:1rem;color:#dce3ec;font-size:.8rem}.mini-metric b{color:var(--light-gold);text-align:right}

.planner-screen{max-width:920px}
.wide-step{max-width:var(--max)}
.step-heading{max-width:720px;margin-bottom:2rem}.step-heading h1{font-size:clamp(2.3rem,6vw,4.4rem)}.step-heading>p:last-child{color:var(--muted);font-size:1.05rem}
.stack-form{display:grid;gap:1rem}
.form-grid{display:grid;gap:1rem}
.full{grid-column:1/-1}
.question-card,.slider-card,.capacity-card,.budget-banner,.assumption-panel,.review-card,.warning,.result-lead,.strategy-card,.results-section,.debt-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:0 8px 30px rgba(11,31,58,.045)}
.question-card{padding:1.15rem;margin:0}.question-card legend{font-weight:800;padding:0 .25rem}
.segmented{display:grid;grid-template-columns:repeat(3,1fr);gap:.5rem;margin-top:.8rem}
.segmented input{position:absolute;opacity:0;pointer-events:none}.segmented span{min-height:44px;border:1px solid var(--border);border-radius:.6rem;display:flex;align-items:center;justify-content:center;font-weight:700;background:var(--canvas)}
.segmented input:checked+span{border-color:var(--apostle-gold);background:color-mix(in srgb,var(--apostle-gold) 18%,var(--surface));box-shadow:inset 0 0 0 1px var(--deep-gold)}
.segmented input:focus-visible+span{outline:3px solid var(--focus);outline-offset:2px}
.check-grid{display:grid;gap:.75rem}.check-card,.switch-row{display:flex;align-items:flex-start;gap:.8rem;padding:1rem;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-sm)}
.check-card input,.switch-row input{width:21px;height:21px;margin:.12rem 0 0;accent-color:var(--deep-gold);flex:0 0 auto}.check-card span,.switch-row span{display:flex;flex-direction:column}.check-card small,.switch-row small{color:var(--muted);margin-top:.18rem}
.field{display:flex;flex-direction:column;gap:.42rem;font-weight:800}.field>span:first-child{font-size:.86rem}.field small{font-weight:400;color:var(--muted)}
input,select{width:100%;min-height:48px;border:1px solid var(--border);border-radius:.6rem;background:var(--surface);color:var(--text);padding:.7rem .8rem}
input:hover,select:hover{border-color:var(--deep-gold)}
input[aria-invalid="true"],select[aria-invalid="true"]{border-color:var(--urgent);box-shadow:inset 0 0 0 1px var(--urgent)}
.money-input{display:grid;grid-template-columns:auto 1fr;align-items:center;border:1px solid var(--border);border-radius:.6rem;background:var(--surface);overflow:hidden}.money-input:focus-within{outline:3px solid var(--focus);outline-offset:2px}.money-input b{padding:0 .8rem;color:var(--muted);border-right:1px solid var(--border)}.money-input input{border:0;border-radius:0;outline:0}.money-input input:focus-visible{outline:0}
.capacity-card{padding:1.2rem;display:flex;flex-direction:column}.capacity-card strong{font-family:Georgia,serif;font-size:2rem;color:var(--apostle-navy)}.capacity-card small{color:var(--muted)}
html[data-theme="dark"] .capacity-card strong{color:var(--light-gold)}
.error-summary{background:color-mix(in srgb,var(--urgent) 9%,var(--surface));border:1px solid var(--urgent);border-left:5px solid var(--urgent);border-radius:.6rem;padding:1rem;color:var(--text)}.error-summary h2{font:800 1rem Lato,sans-serif;color:var(--urgent);margin-bottom:.35rem}.error-summary ul{margin:.3rem 0 0;padding-left:1.25rem}.error-summary a{color:var(--urgent);font-weight:700}
.inventory-layout{display:grid;gap:1.2rem}.debt-list{display:grid;gap:.8rem}.debt-card{padding:1rem}.debt-card-head{display:flex;justify-content:space-between;gap:1rem;align-items:center;margin-bottom:1rem}.debt-card-head h3{margin:0;font-family:Georgia,serif;font-size:1.25rem}.debt-actions{display:flex;gap:.3rem}.mini-btn{min-width:42px;min-height:42px;background:transparent;border:1px solid var(--border);border-radius:.5rem;color:var(--muted)}.mini-btn:hover{color:var(--urgent);border-color:currentColor}
.debt-fields{display:grid;gap:.8rem}.debt-advanced{margin-top:1rem;border-top:1px solid var(--border);padding-top:.8rem}.debt-advanced summary{font-weight:800;color:var(--blue);min-height:44px;display:flex;align-items:center;cursor:pointer}.add-debt{width:100%;margin-top:1rem}.inventory-summary{background:var(--apostle-navy);color:var(--white);border-radius:var(--radius);padding:1.2rem;height:max-content;box-shadow:var(--shadow)}.inventory-summary .eyebrow{color:var(--light-gold)}.inventory-summary dl{margin:0}.inventory-summary dl div{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px solid rgba(255,255,255,.15);padding:.7rem 0}.inventory-summary dt{color:#c5cfdd}.inventory-summary dd{margin:0;font-weight:800;text-align:right}.summary-note{font-size:.78rem;color:#c5cfdd;margin:1rem 0 0}
.budget-banner{display:flex;justify-content:space-between;align-items:center;padding:1rem 1.2rem}.budget-banner strong{font-size:1.35rem;color:var(--apostle-navy)}html[data-theme="dark"] .budget-banner strong{color:var(--light-gold)}
.slider-card{padding:1.2rem}.slider-title{display:flex;justify-content:space-between;align-items:center;gap:1rem}.slider-title label{font-weight:800}.slider-title output{font-family:Georgia,serif;font-size:1.55rem;color:var(--deep-gold);font-weight:800}.range-row{display:grid;grid-template-columns:46px 1fr 46px;align-items:center;gap:.6rem;margin:.9rem 0}.range-row input{padding:0;border:0;accent-color:var(--apostle-gold)}.stepper{width:46px;height:46px;border:1px solid var(--border);background:var(--canvas);color:var(--text);border-radius:50%;font-size:1.2rem}.compact{max-width:330px}.switch-row{cursor:pointer}
.warning{padding:1rem;border-left:5px solid var(--attention);margin-bottom:1rem}.warning.urgent{border-color:var(--urgent);background:color-mix(in srgb,var(--urgent) 7%,var(--surface))}.warning b{display:block}.warning p{margin:.3rem 0 0;color:var(--muted)}
.review-grid{display:grid;gap:.8rem}.review-card{padding:1rem}.review-card small{display:block;color:var(--muted);text-transform:uppercase;letter-spacing:.09em}.review-card strong{display:block;margin-top:.35rem;font-family:Georgia,serif;font-size:1.4rem;color:var(--apostle-navy)}html[data-theme="dark"] .review-card strong{color:var(--light-gold)}
.assumption-panel{padding:1rem;margin-top:1rem}.assumption-panel summary{font-weight:800;cursor:pointer}.assumption-panel li{margin:.4rem 0;color:var(--muted)}

.wizard-actions{position:fixed;z-index:45;left:0;right:0;bottom:0;background:color-mix(in srgb,var(--surface) 94%,transparent);backdrop-filter:blur(12px);border-top:1px solid var(--border);padding:.75rem max(1rem,calc((100vw - 920px)/2));display:flex;justify-content:space-between;gap:.75rem}.wizard-actions .btn{min-width:112px}

.results-screen{max-width:var(--max);padding-top:2rem}.result-lead{padding:clamp(1.3rem,4vw,2.4rem);border-top:5px solid var(--apostle-gold);display:grid;gap:1.3rem}.result-lead.stabilization{border-top-color:var(--urgent)}.result-lead h1{font-size:clamp(2.1rem,5vw,4.3rem);margin-bottom:.65rem}.result-lead>div>p{color:var(--muted);max-width:760px}.metric-row{display:grid;grid-template-columns:repeat(2,1fr);gap:.65rem}.metric{background:var(--canvas);border:1px solid var(--border);border-radius:.65rem;padding:.85rem}.metric small{display:block;color:var(--muted)}.metric strong{display:block;margin-top:.25rem;font-size:1.05rem}.results-section{padding:clamp(1.1rem,3vw,2rem);margin-top:1rem}.section-head{display:flex;flex-direction:column;gap:.7rem;margin-bottom:1.2rem}.section-head>p{color:var(--muted);max-width:470px}.section-head h2{margin-bottom:0}.strategy-grid{display:grid;gap:.75rem}.strategy-card{box-shadow:none;padding:1rem;position:relative}.strategy-card.selected{border:2px solid var(--apostle-gold)}.strategy-card .strategy-tag{font-size:.7rem;text-transform:uppercase;letter-spacing:.12em;color:var(--deep-gold);font-weight:900}.strategy-card h3{font-family:Georgia,serif;font-size:1.45rem;margin:.25rem 0}.strategy-card .big-date{font-weight:900;color:var(--apostle-navy)}html[data-theme="dark"] .strategy-card .big-date{color:var(--light-gold)}.strategy-card dl{margin:.8rem 0}.strategy-card dl div{display:flex;justify-content:space-between;gap:1rem;padding:.38rem 0;border-bottom:1px solid var(--border)}.strategy-card dd{margin:0;font-weight:800;text-align:right}.strategy-card button{width:100%}
.scenario-delta{margin-top:1rem;padding:.75rem;background:var(--parchment);border-radius:.6rem;font-weight:700;color:var(--teal)}
.chart-controls{display:flex;flex-wrap:wrap;gap:.4rem}.chart-controls button{min-height:40px;padding:.45rem .7rem;border:1px solid var(--border);border-radius:999px;background:var(--surface);color:var(--text);font-weight:700}.chart-controls button[aria-pressed="true"]{background:var(--apostle-navy);color:var(--white);border-color:var(--apostle-gold)}.chart-takeaway{color:var(--muted)}.chart-shell{width:100%;min-height:310px;border:1px solid var(--border);border-radius:.75rem;background:var(--surface);overflow:hidden}.chart-shell svg{width:100%;height:auto}.chart-shell text{font:12px Lato,"Segoe UI",sans-serif;fill:var(--muted)}.chart-shell .grid-line{stroke:var(--border);stroke-width:1}.chart-shell .chart-point{cursor:pointer}.chart-tooltip{background:var(--apostle-navy);color:var(--white);padding:.4rem .55rem;border-radius:.35rem;font-size:.75rem;position:absolute;pointer-events:none}.data-table{margin-top:.7rem}.data-table summary{font-weight:800;color:var(--blue);cursor:pointer;min-height:44px;display:flex;align-items:center}
.table-scroll{overflow:auto;max-width:100%;border:1px solid var(--border);border-radius:.65rem}table{border-collapse:collapse;width:100%;min-width:640px;background:var(--surface)}th,td{text-align:left;padding:.7rem;border-bottom:1px solid var(--border);white-space:nowrap}th{font-family:Montserrat,"Segoe UI",sans-serif;font-size:.72rem;text-transform:uppercase;letter-spacing:.07em;background:var(--parchment)}td.numeric{text-align:right;font-variant-numeric:tabular-nums}
.split-section{display:grid;gap:2rem}.action-list,.milestone-list{display:grid;gap:.65rem}.action-item,.milestone-item{display:flex;gap:.7rem;padding:.8rem;border:1px solid var(--border);border-radius:.65rem;background:var(--canvas)}.action-item input{width:22px;height:22px;min-height:22px;accent-color:var(--success);flex:0 0 auto}.action-item span,.milestone-item span{display:flex;flex-direction:column}.action-item small,.milestone-item small{color:var(--muted)}.action-item:has(input:checked) b{text-decoration:line-through;color:var(--muted)}.milestone-index{width:34px;height:34px;border-radius:50%;display:grid!important;place-items:center;background:var(--apostle-navy);color:var(--light-gold);font-weight:900;flex:0 0 auto}
.export-panel{background:var(--apostle-navy);color:var(--white);border-color:var(--apostle-gold);display:grid;gap:1rem}.export-panel h2{color:var(--light-gold)}.export-panel p{color:#d7dfeb}.export-panel .text-btn{color:var(--light-gold)}.export-panel .danger-text{color:#ffaaa4}.file-label{cursor:pointer}
.result-dialog{width:min(94vw,620px);border:1px solid var(--apostle-gold);border-radius:var(--radius);padding:1rem;background:var(--surface);color:var(--text)}.result-dialog::backdrop{background:rgba(6,20,38,.76)}.dialog-close{float:right;width:44px;height:44px;border:0;border-radius:50%;background:var(--canvas);color:var(--text);font-size:1.5rem}.dialog-copy{clear:both}.result-dialog canvas{width:100%;height:auto;border:1px solid var(--border);border-radius:.6rem}.toast{position:fixed;z-index:100;left:50%;bottom:84px;transform:translate(-50%,30px);background:var(--apostle-navy);color:var(--white);border:1px solid var(--apostle-gold);padding:.65rem 1rem;border-radius:999px;box-shadow:var(--shadow);opacity:0;pointer-events:none;transition:.2s}.toast.show{opacity:1;transform:translate(-50%,0)}.noscript{padding:1rem;background:var(--urgent);color:#fff;text-align:center}
body.privacy .money{filter:blur(8px);user-select:none}.privacy .money:hover,.privacy .money:focus{filter:blur(8px)}

@media(min-width:640px){.hide-sm{display:inline}.form-grid,.debt-fields,.review-grid{grid-template-columns:repeat(2,1fr)}.metric-row{grid-template-columns:repeat(4,1fr)}.section-head{flex-direction:row;align-items:flex-start;justify-content:space-between}.strategy-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:860px){.welcome-screen{grid-template-columns:minmax(0,1.28fr) minmax(320px,.72fr)}.inventory-layout{grid-template-columns:minmax(0,1fr) 290px}.inventory-summary{position:sticky;top:calc(var(--header-h) + 24px)}.debt-fields{grid-template-columns:repeat(4,1fr)}.strategy-grid{grid-template-columns:repeat(4,1fr)}.split-section{grid-template-columns:1fr 1fr}.export-panel{grid-template-columns:1fr 1fr;align-items:center}}
@media(max-width:520px){.segmented{grid-template-columns:1fr}.hero-actions .btn{width:100%}.hero-actions .text-btn{margin:auto}.brand b{font-size:.68rem}.brand small{font-size:.67rem}.site-header{padding-inline:.75rem}.screen{padding-inline:.85rem}.wizard-actions .btn{flex:1}.mini-metric{flex-direction:column}.metric-row{grid-template-columns:1fr 1fr}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}
@media(forced-colors:active){.btn-primary,.chart-controls button[aria-pressed="true"]{border:2px solid ButtonText}.progress-track span{background:Highlight}.strategy-card.selected{outline:3px solid Highlight}}
@media print{.site-header,.progress-shell,.wizard-actions,.scenario-lab,.chart-controls,.export-panel,.dialog-close,.data-table summary,.toast{display:none!important}body{background:#fff;color:#000}.screen{display:none!important}.results-screen{display:block!important;max-width:none;padding:0}.results-section,.result-lead{box-shadow:none;break-inside:avoid;border-color:#999}.data-table[open]{display:block}h1,h2{color:#000}.money{filter:none!important}}