:root{
  --bg:#07111f;--sidebar:#0b1626;--panel:#132238;--panel2:#182a43;--line:#263a56;
  --text:#f8fafc;--muted:#9aa7bb;--green:#34e27a;--purple:#8b5cf6;--blue:#3b82f6;
  --red:#ef4444;--orange:#f59e0b
}
*{box-sizing:border-box}html,body{margin:0;min-height:100%;font-family:Inter,Arial,sans-serif;background:var(--bg);color:var(--text)}
button,input,select{font:inherit}.app-shell{min-height:100vh;display:grid;grid-template-columns:210px 1fr}
.sidebar{background:linear-gradient(180deg,#0b1626,#0a1422);border-right:1px solid var(--line);padding:24px 16px;position:sticky;top:0;height:100vh}
.brand{font-size:19px;font-weight:800;margin-bottom:5px;white-space:nowrap}.brand b{color:#a970ff}.brand-sub{font-size:12px;color:var(--muted);margin-bottom:28px}
nav{display:grid;gap:10px}.nav-item{border:0;background:transparent;color:#d9e2ef;text-align:left;padding:13px;border-radius:12px;cursor:pointer}
.nav-item.active,.nav-item:hover{background:#0d5038;color:var(--green)}
.sidebar-note{position:absolute;left:16px;right:16px;bottom:22px;background:#111f32;border:1px solid var(--line);border-radius:14px;padding:14px;display:grid;gap:4px}
.sidebar-note span{font-size:12px;color:var(--muted);line-height:1.45}.main{padding:22px;min-width:0}
.page-header{margin-bottom:16px}.eyebrow{margin:0 0 6px;color:#c7d2e1;font-weight:700}h1{margin:0;font-size:30px}.subtitle{margin:8px 0 0;color:var(--muted);font-size:14px}
.top-grid{display:grid;grid-template-columns:1fr 1.65fr 1fr .82fr;gap:14px;margin-bottom:14px}
.metric-card,.panel{background:linear-gradient(180deg,var(--panel),#101d30);border:1px solid var(--line);border-radius:18px;box-shadow:0 16px 35px rgba(0,0,0,.22)}
.metric-card{padding:18px;min-height:128px}.metric-label{font-size:13px;font-weight:800}.metric-value{font-size:30px;font-weight:900;color:var(--green);margin:10px 0 5px}.metric-meta{font-size:12px;color:var(--muted)}
.metric-head,.panel-header,.column-title{display:flex;justify-content:space-between;gap:12px;align-items:center}.paycheck-card{border-color:#5a3ea7}
.paycheck-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:15px}.paycheck-grid div,.monthly-progress-grid div,.coverage-summary div{background:#102039;border:1px solid #253a58;border-radius:12px;padding:10px;min-width:0}
.paycheck-grid span,.monthly-progress-grid span,.coverage-summary span{display:block;color:var(--muted);font-size:10px;margin-bottom:5px}.paycheck-grid strong{font-size:14px}
.payday-strip{margin-top:10px;background:#102039;border:1px solid #253a58;border-radius:12px;padding:10px}.payday-strip>span{font-size:10px;color:var(--muted)}
.payday-dates{display:flex;flex-wrap:wrap;gap:6px;margin-top:7px}.payday-dates span{background:#1b3151;border:1px solid #315075;padding:5px 8px;border-radius:999px;font-size:10px}
.monthly-progress-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:12px}.bill-progress-wrap{margin-top:12px}.bill-progress-track,.health-track,.track{height:10px;background:#0b1728;border:1px solid var(--line);border-radius:999px;overflow:hidden}
.bill-progress-fill,.health-fill,.fill{height:100%;width:0;transition:.4s}.bill-progress-fill{background:linear-gradient(90deg,#16a34a,#8b5cf6)}.bill-progress-text{display:block;font-size:10px;color:var(--muted);margin-top:5px}
.health-score-row{display:flex;justify-content:space-between;align-items:flex-end}.health-score-row>div:first-child{display:flex;align-items:flex-end}.health-out-of{color:var(--muted);margin-bottom:6px}.health-grade{font-size:12px;font-weight:800}.health-fill{background:linear-gradient(90deg,#ef4444,#f59e0b,#34e27a)}
.safe-card .metric-value{color:#4bd6ff}.safe-card .metric-value.negative{color:#fb7185}.safe-suggestions{display:flex;flex-wrap:wrap;gap:6px;margin-top:10px}.safe-suggestions span{font-size:10px;padding:5px 8px;border-radius:999px;background:#102039;border:1px solid #2b4767}
.risk-level{display:inline-block;margin-top:10px;padding:6px 9px;border-radius:999px;font-size:10px;font-weight:800}.risk-level.low{color:#86efac;background:#16352a}.risk-level.medium{color:#fcd34d;background:#3b2d12}.risk-level.high{color:#fca5a5;background:#3d171d}
.workspace{display:grid;grid-template-columns:minmax(0,2.2fr) minmax(310px,.9fr);gap:14px}.panel{padding:16px}.panel-header{margin-bottom:13px}.panel-header h2,.column-title h3{margin:0}.panel-header p,.column-title p{margin:4px 0 0;color:var(--muted);font-size:12px}
.primary-btn,.secondary-btn,.tiny-btn,.icon-btn,.action-btn,.filter-btn{border:0;border-radius:10px;cursor:pointer;font-weight:800}.primary-btn{background:linear-gradient(90deg,#16a34a,#7c3aed);color:#fff;padding:10px 14px}.secondary-btn{background:#24344d;color:#fff;padding:10px 14px}.tiny-btn{background:#2c3f5d;color:#fff;padding:7px 10px}.icon-btn{background:transparent;color:#a8b5c7;font-size:17px}
.coverage-summary{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:12px}.coverage-summary strong{font-size:14px}.coverage-summary div:nth-child(3) strong{color:var(--green)}.coverage-summary div:nth-child(4) strong{color:#fbbf24}
.bill-toolbar{display:grid;grid-template-columns:minmax(310px,1.7fr) repeat(2,minmax(130px,.7fr));gap:8px;margin-bottom:12px}.segmented{display:flex;gap:6px;flex-wrap:wrap}.filter-btn{padding:8px 10px;background:#102039;color:#b8c5d7;border:1px solid #2a4060;font-size:11px}.filter-btn.active{background:#17543b;color:#8df0b5;border-color:#268558}
input,select{width:100%;background:#102039;color:#fff;border:1px solid #2a4060;border-radius:11px;padding:10px;outline:none}
.bill-columns{display:grid;grid-template-columns:1fr 1fr;gap:12px}.bill-column{background:#0d1a2c;border:1px solid var(--line);border-radius:15px;padding:12px;min-width:0}.column-title{border-bottom:1px solid var(--line);padding-bottom:10px;margin-bottom:8px}
.count-badge{border-radius:999px;padding:5px 9px;font-size:11px;font-weight:900}.count-badge.warning{background:#4a3211;color:#fcd34d}.count-badge.success{background:#123e2a;color:#86efac}
.bill-list{display:grid;gap:8px;max-height:560px;overflow:auto;padding-right:3px}.bill-card{background:#13243b;border:1px solid #2a405f;border-radius:13px;padding:11px;transition:.18s}.bill-card:hover{transform:translateY(-1px);border-color:#3d5b82}.bill-card.dragging{opacity:.45}
.bill-card-top,.bill-card-meta,.bill-actions{display:flex;justify-content:space-between;align-items:center;gap:8px}.bill-card-top{margin-bottom:7px}.bill-title{display:flex;align-items:center;gap:7px;min-width:0}.drag-handle{cursor:grab;color:#71839c}.bill-name{font-weight:850;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.amount{color:var(--green);font-weight:900}
.category-badge,.paycheck-badge,.status-badge{border-radius:999px;padding:4px 7px;font-size:9px;font-weight:800;white-space:nowrap}.category-badge{background:#263650;color:#dbeafe}.paycheck-badge{background:#24204a;color:#d8ccff}.status-badge{background:#38465a;color:#e2e8f0}.status-badge.paid{background:#155c37;color:#9af0bb}.status-badge.attention{background:#5a3a0d;color:#fde68a}
.bill-card-meta{justify-content:flex-start;flex-wrap:wrap;color:var(--muted);font-size:10px;margin-bottom:9px}.bill-actions{justify-content:flex-end;flex-wrap:wrap}.action-btn{padding:6px 8px;color:#fff;font-size:10px}.edit-btn{background:#2563eb}.paid-btn{background:#168447}.skip-btn{background:#475569}.delete-btn{background:#7f1d1d}
.empty-state{padding:26px 12px;text-align:center;color:var(--muted);font-size:12px;border:1px dashed #304766;border-radius:12px}
.right-stack{display:grid;grid-template-rows:1fr auto;gap:14px}.breakdown-row{display:flex;justify-content:space-between;font-size:12px;margin:10px 0 5px}.income-fill{background:#3b82f6}.bills-fill{background:#ef4444}.left-fill{background:#34e27a}
.insight-pill,.ai-answer{margin-top:13px;background:#0d1b2d;border:1px solid #263c59;border-radius:13px;padding:12px;color:#dce6f3;font-size:12px;line-height:1.45}.category-breakdown{display:grid;gap:7px;margin-top:12px}.category-line{display:flex;justify-content:space-between;font-size:11px;color:#cbd5e1}
.ai-panel{display:flex;flex-direction:column}.premium-badge{font-size:9px;background:#5b21b6;color:#eadcff;border-radius:999px;padding:4px 7px}.ai-answer{min-height:100px;margin:0 0 12px}.quick-prompts{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:12px}.quick-prompts button{border:1px solid #334b6c;background:#102039;color:#dce6f3;padding:7px 9px;border-radius:999px;cursor:pointer;font-size:10px}.ai-input-row{display:grid;grid-template-columns:1fr auto;gap:8px;margin-top:auto}
.modal{position:fixed;inset:0;background:rgba(0,0,0,.74);display:none;align-items:center;justify-content:center;padding:18px;z-index:50}.modal.show{display:flex}.modal-card{width:min(440px,100%);max-height:90vh;overflow:auto;background:#111f33;border:1px solid #2a4060;border-radius:18px;padding:20px}.modal-title-row{display:flex;justify-content:space-between;align-items:center}.modal-title-row h2{margin:0}.modal-card label{display:block;font-size:12px;color:#aab7c8;margin:12px 0 6px}.field-help{font-size:10px;color:var(--muted);line-height:1.4}.modal-actions{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:16px}
@media(max-width:1350px){.top-grid{grid-template-columns:1fr 1.6fr 1fr}.health-card{grid-column:1/-1}.bill-toolbar{grid-template-columns:1fr 1fr}.segmented{grid-column:1/-1}}
@media(max-width:1050px){.app-shell{grid-template-columns:1fr}.sidebar{position:relative;height:auto}.sidebar-note{display:none}nav{grid-template-columns:1fr 1fr}.workspace{grid-template-columns:1fr}.right-stack{grid-template-columns:1fr 1fr;grid-template-rows:auto}.top-grid{grid-template-columns:1fr 1fr}.health-card{grid-column:auto}}
@media(max-width:760px){.main{padding:14px}.top-grid,.right-stack,.bill-columns{grid-template-columns:1fr}.bill-toolbar{grid-template-columns:1fr}.segmented{grid-column:auto}.coverage-summary{grid-template-columns:1fr 1fr}.paycheck-grid{grid-template-columns:1fr 1fr}.bill-list{max-height:none}.panel-header{align-items:flex-start}.panel-header>.primary-btn{white-space:nowrap}}

/* Final Bills polish */
.bill-card{animation:billIn .22s ease both}
@keyframes billIn{from{opacity:0;transform:translateY(5px)}to{opacity:1;transform:none}}
.category-badge[data-category="Rent"]{background:#174132;color:#9af0bb}.category-badge[data-category="Housing"]{background:#173b2b;color:#8df0b5}.category-badge[data-category="Collection"]{background:#4b2434;color:#f9a8d4}.category-badge[data-category="Credit Card"]{background:#17375b;color:#9dcbff}.category-badge[data-category="Personal Loan"]{background:#3c255c;color:#d7b8ff}.category-badge[data-category="Gym"]{background:#4a2d13;color:#fdba74}.category-badge[data-category="Subscription"]{background:#40320f;color:#fde68a}.category-badge[data-category="Auto"]{background:#1f3c50;color:#8ed8ff}.category-badge[data-category="Insurance"]{background:#4a1f2a;color:#fda4af}.category-badge[data-category="Utility"]{background:#453a13;color:#fde047}
.due-countdown{font-weight:800}.due-countdown.overdue{color:#fca5a5}.due-countdown.soon{color:#fde68a}.due-countdown.ok{color:#a7f3d0}
.bill-note{width:100%;color:#9fb0c7;font-style:italic}.recurring-badge{background:#18314d;color:#b8d8ff;border-radius:999px;padding:4px 7px;font-size:9px;font-weight:800}
.bill-card.is-paid{border-color:#226442}.bill-card.is-skipped{opacity:.82;border-style:dashed}.bill-card.just-moved{animation:billMove .35s ease}@keyframes billMove{0%{transform:scale(.98);opacity:.55}100%{transform:scale(1);opacity:1}}
@media(max-width:760px){#billSearchInput{grid-column:1/-1}}

/* Monthly bill forecast selector */
.panel-header-actions{display:flex;align-items:center;gap:10px;flex-wrap:wrap;justify-content:flex-end}
.month-switcher{display:grid;grid-template-columns:34px minmax(132px,auto) 34px;align-items:stretch;background:#0d1a2c;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.month-nav-btn,.month-label-btn{border:0;background:transparent;color:var(--text);cursor:pointer}
.month-nav-btn{font-size:22px;font-weight:800;padding:4px 9px}.month-nav-btn:hover{background:#1c3150}
.month-label-btn{padding:6px 11px;display:grid;gap:1px;text-align:center}.month-label-btn span{font-size:12px;font-weight:900}.month-label-btn small{font-size:9px;color:var(--muted);font-weight:700}
.forecast-banner{display:inline-flex;align-items:center;gap:6px;background:#24204a;color:#d8ccff;border:1px solid #4d4291;border-radius:999px;padding:5px 8px;font-size:9px;font-weight:850}
.bill-card.is-predicted{border-style:dashed;border-color:#5b4eb2;background:linear-gradient(180deg,#172443,#122039)}
.status-badge.predicted{background:#423a78;color:#e7e0ff}.prediction-note{color:#c4b5fd;font-weight:750}
@media(max-width:760px){.panel-header-actions{width:100%;justify-content:space-between}.month-switcher{flex:1}.panel-header{flex-wrap:wrap}}

/* 2026 Debt Center */
.debt-page[hidden]{display:none}.debt-hero{display:flex;justify-content:space-between;align-items:flex-end;gap:18px}.debt-add-btn{box-shadow:0 10px 28px rgba(124,58,237,.28)}
.debt-stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:14px}.debt-stat-card{position:relative;overflow:hidden}.debt-stat-card:after{content:"";position:absolute;width:120px;height:120px;border-radius:50%;right:-45px;top:-55px;background:radial-gradient(circle,rgba(139,92,246,.2),transparent 70%)}.debt-value{color:#ff7a90}.debt-value.purple{color:#c084fc}.debt-value.blue{color:#60a5fa}.debt-value.orange{color:#fbbf24}
.debt-layout{display:grid;grid-template-columns:minmax(0,2.2fr) minmax(310px,.9fr);gap:14px}.debt-main-panel{min-width:0}.debt-panel-head{align-items:flex-start}.debt-view-note{background:linear-gradient(90deg,#312e81,#4c1d95);border:1px solid #6d5cc7;color:#ede9fe;border-radius:999px;padding:7px 10px;font-size:10px;font-weight:900;white-space:nowrap}
.debt-toolbar{display:grid;grid-template-columns:1.4fr repeat(3,.75fr);gap:8px;margin-bottom:14px}.debt-card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.debt-card{position:relative;background:linear-gradient(145deg,#14263f,#101d31);border:1px solid #2c4261;border-radius:17px;padding:15px;overflow:hidden;transition:.2s}.debt-card:hover{transform:translateY(-2px);border-color:#586e95;box-shadow:0 16px 32px rgba(0,0,0,.22)}.debt-card:before{content:"";position:absolute;left:0;top:0;right:0;height:4px;background:#64748b}.debt-card.priority-high:before{background:linear-gradient(90deg,#ef4444,#f97316)}.debt-card.priority-medium:before{background:linear-gradient(90deg,#f59e0b,#eab308)}.debt-card.priority-low:before{background:linear-gradient(90deg,#22c55e,#14b8a6)}
.debt-card-header,.debt-balance-row,.debt-owner-row,.debt-card-actions{display:flex;justify-content:space-between;align-items:flex-start;gap:10px}.debt-title-wrap{min-width:0}.debt-title-wrap h3{margin:0;font-size:16px}.debt-title-wrap p{margin:4px 0 0;color:var(--muted);font-size:10px}.debt-balance-row{align-items:flex-end;margin:14px 0}.debt-balance-label{font-size:10px;color:var(--muted)}.debt-balance{font-size:28px;font-weight:950;color:#f8fafc}.debt-original{font-size:10px;color:var(--muted);text-align:right}.debt-chip-row{display:flex;flex-wrap:wrap;gap:6px}.debt-chip{padding:5px 8px;border-radius:999px;font-size:9px;font-weight:850;background:#223550;color:#dbeafe}.debt-chip.collection{background:#4b2434;color:#f9a8d4}.debt-chip.status{background:#302b5e;color:#ddd6fe}.debt-chip.high{background:#541c22;color:#fca5a5}.debt-chip.medium{background:#4a3410;color:#fde68a}.debt-chip.low{background:#153f31;color:#86efac}
.debt-owner-trail{margin:12px 0;background:#0d1a2c;border:1px solid #253b58;border-radius:13px;padding:11px}.debt-owner-row{align-items:center;font-size:11px}.debt-owner-row+.debt-owner-row{margin-top:7px}.debt-owner-row span{color:var(--muted)}.debt-owner-row strong{text-align:right;max-width:58%}.debt-arrow{color:#8b5cf6;font-weight:900}.debt-detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:10px 0}.debt-detail{background:#102039;border:1px solid #263b58;border-radius:10px;padding:9px}.debt-detail span{display:block;color:var(--muted);font-size:9px;margin-bottom:4px}.debt-detail strong{font-size:11px}.debt-settlement{background:linear-gradient(90deg,rgba(22,163,74,.16),rgba(59,130,246,.12));border:1px solid #246445;border-radius:12px;padding:10px;margin:10px 0}.debt-settlement strong{color:#86efac}.debt-note-preview{color:#9fb0c7;font-size:10px;line-height:1.45;margin:9px 0}.debt-card-actions{flex-wrap:wrap;justify-content:flex-end;margin-top:12px}.debt-card-actions button{border:0;border-radius:9px;padding:7px 9px;color:white;font-size:10px;font-weight:850;cursor:pointer}.debt-edit{background:#2563eb}.debt-plan{background:linear-gradient(90deg,#16a34a,#7c3aed)}.debt-delete{background:#7f1d1d}.debt-expand{background:#334155}
.debt-snapshot{display:grid;gap:9px}.snapshot-row{display:flex;justify-content:space-between;gap:12px;background:#0d1b2d;border:1px solid #263c59;border-radius:12px;padding:10px;font-size:11px}.snapshot-row span{color:var(--muted)}.snapshot-row strong{text-align:right}.debt-side-stack{align-content:start}.debt-prompts{margin-top:12px}.debt-modal-card{width:min(780px,100%)}.modal-subtitle{margin:4px 0 0;color:var(--muted);font-size:11px}.debt-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}.debt-form-grid .full{grid-column:1/-1}.form-section{margin-top:12px;border-bottom:1px solid #2a4060}.form-section h3{margin:0 0 5px;font-size:13px;color:#dce6f3}.check-group{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}.check-group label{display:flex;align-items:center;gap:5px;margin:0;background:#102039;border:1px solid #2a4060;border-radius:999px;padding:7px 9px}.check-group input{width:auto}textarea{width:100%;background:#102039;color:#fff;border:1px solid #2a4060;border-radius:11px;padding:10px;resize:vertical}
.debt-empty{grid-column:1/-1;text-align:center;padding:48px 20px;border:1px dashed #304766;border-radius:16px;color:var(--muted)}.debt-empty .empty-icon{font-size:44px;margin-bottom:10px}.debt-plan-badge{background:#123e2a;color:#86efac;border:1px solid #246445;border-radius:10px;padding:8px;font-size:10px;margin:9px 0}
@media(max-width:1200px){.debt-stats-grid{grid-template-columns:1fr 1fr}.debt-toolbar{grid-template-columns:1fr 1fr}.debt-layout{grid-template-columns:1fr}.debt-side-stack{grid-template-columns:1fr 1fr;grid-template-rows:auto}}
@media(max-width:760px){.debt-hero{align-items:flex-start;flex-direction:column}.debt-stats-grid,.debt-card-grid,.debt-side-stack,.debt-form-grid{grid-template-columns:1fr}.debt-toolbar{grid-template-columns:1fr}.debt-form-grid .full{grid-column:auto}.debt-detail-grid{grid-template-columns:1fr 1fr}}
\n\n/* MoneyHub AI v3 universal views + payoff intelligence */\n.view-toggle{display:inline-flex;gap:5px;background:#0c192b;border:1px solid var(--line);border-radius:12px;padding:4px}.view-btn{border:0;background:transparent;color:#9fb0c7;border-radius:8px;padding:7px 9px;font-size:10px;font-weight:850;cursor:pointer}.view-btn.active{background:linear-gradient(90deg,#157347,#6d3bd1);color:#fff;box-shadow:0 6px 16px rgba(0,0,0,.18)}\n.bill-toolbar{grid-template-columns:auto auto minmax(170px,1fr) minmax(135px,.7fr) minmax(135px,.7fr)}\n.owed-badge{background:#173a35;color:#99f6e4;border:1px solid #245f55;border-radius:999px;padding:4px 8px;font-size:9px;font-weight:850}\n.bill-list[data-view="cards"]{grid-template-columns:repeat(2,minmax(0,1fr));align-content:start}.bill-list[data-view="cards"] .bill-card{min-height:150px}.bill-list[data-view="list"],.bill-list[data-view="timeline"]{display:block}.bill-list-row{display:grid;grid-template-columns:minmax(190px,1.3fr) minmax(120px,.65fr) minmax(140px,.75fr) auto;gap:10px;align-items:center;background:#13243b;border:1px solid #2a405f;border-radius:12px;padding:10px;margin-bottom:8px}.list-main{display:flex;align-items:center;gap:9px;min-width:0}.list-main>div{min-width:0}.list-main strong,.list-main small,.list-money small{display:block}.list-main strong{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.list-main small,.list-money small{color:var(--muted);font-size:9px;margin-top:4px}.list-icon{font-size:18px}.list-money{text-align:right}.list-money>strong{color:var(--green)}.list-suggestion{font-size:10px;color:#c4b5fd}.bill-list-row .bill-actions{justify-content:flex-end}.timeline-group{display:grid;grid-template-columns:95px 1fr;gap:12px;padding:8px 0;border-bottom:1px solid #203551}.timeline-date{position:sticky;top:0;align-self:start;background:#102039;border:1px solid #2a4060;border-radius:12px;padding:9px;text-align:center}.timeline-date span,.timeline-date small{display:block}.timeline-date span{font-weight:900}.timeline-date small{font-size:9px;color:var(--muted);margin-top:3px}.timeline-items{min-width:0}\n.debt-toolbar{grid-template-columns:auto minmax(220px,1.3fr) repeat(3,minmax(135px,.7fr))}.debt-card-grid.debt-view-list,.debt-card-grid.debt-view-timeline{display:block}.debt-list-row{display:grid;grid-template-columns:1.1fr 1fr 1fr .6fr .45fr auto;gap:10px;align-items:center;background:#13243b;border:1px solid #2a405f;border-radius:13px;padding:11px;margin-bottom:8px}.debt-list-row>div span,.debt-list-row>div small{display:block;color:var(--muted);font-size:9px;margin-bottom:3px}.debt-list-row .debt-card-actions{margin:0;flex-wrap:nowrap}.debt-timeline-card{background:#13243b;border:1px solid #2a405f;border-radius:15px;padding:14px;margin-bottom:10px}.debt-timeline-head{display:flex;justify-content:space-between;gap:12px;font-size:15px;margin-bottom:10px}.debt-timeline-head span{color:#fb7185;font-weight:950}.debt-event{display:grid;grid-template-columns:90px 1fr;gap:12px;position:relative;padding:8px 0 8px 14px;border-left:2px solid #5b4eb2}.debt-event:before{content:"";position:absolute;width:8px;height:8px;border-radius:50%;background:#8b5cf6;left:-5px;top:12px}.debt-event time{font-size:10px;color:#c4b5fd;font-weight:850}.debt-event span{font-size:11px}.empty-event{color:var(--muted)}\n@media(max-width:1350px){.bill-toolbar,.debt-toolbar{grid-template-columns:1fr 1fr}.view-toggle{justify-self:start}.bill-list[data-view="cards"]{grid-template-columns:1fr}.bill-list-row{grid-template-columns:1fr 1fr}.debt-list-row{grid-template-columns:1fr 1fr}.debt-list-row .debt-card-actions{grid-column:1/-1}}\n@media(max-width:760px){.bill-toolbar,.debt-toolbar{grid-template-columns:1fr}.view-toggle{width:100%;justify-content:space-between}.view-btn{flex:1}.bill-list-row,.debt-list-row{grid-template-columns:1fr}.list-money{text-align:left}.timeline-group{grid-template-columns:1fr}.timeline-date{position:relative;text-align:left}.debt-list-row .debt-card-actions{grid-column:auto;flex-wrap:wrap}}\n

/* Debt Center final polish — AI brief and next-move intelligence */
.debt-brief-panel{background:linear-gradient(160deg,#142540,#111c31 56%,#18173b);border-color:#3a3c73;position:relative;overflow:hidden}.debt-brief-panel:before{content:"";position:absolute;width:190px;height:190px;border-radius:50%;right:-75px;top:-95px;background:radial-gradient(circle,rgba(139,92,246,.3),transparent 68%);pointer-events:none}.live-ai-badge{font-size:8px;font-weight:950;letter-spacing:.12em;color:#86efac;background:#123e2a;border:1px solid #246445;border-radius:999px;padding:5px 7px;box-shadow:0 0 18px rgba(52,226,122,.12)}
.debt-brief{position:relative}.debt-brief-hero{background:linear-gradient(135deg,rgba(31,73,125,.65),rgba(78,42,128,.55));border:1px solid #4d5f91;border-radius:16px;padding:14px;margin-bottom:10px}.brief-score-row{display:flex;justify-content:space-between;align-items:center;gap:12px}.brief-score-label{font-size:10px;color:#cbd5e1;text-transform:uppercase;letter-spacing:.08em}.brief-score{font-size:30px;font-weight:950;color:#f8fafc}.brief-score small{font-size:11px;color:#a7b4c8}.brief-state{font-size:10px;font-weight:900;padding:6px 8px;border-radius:999px;background:#261f55;color:#ddd6fe}.brief-progress{height:8px;background:#0b1728;border:1px solid #334668;border-radius:999px;overflow:hidden;margin:10px 0 8px}.brief-progress>span{display:block;height:100%;background:linear-gradient(90deg,#ef4444,#f59e0b,#34e27a);border-radius:inherit}.brief-copy{font-size:11px;line-height:1.45;color:#c9d5e5}.brief-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}.brief-tile{background:#0d1b2d;border:1px solid #293e5d;border-radius:13px;padding:10px}.brief-tile span{display:block;color:#91a1b8;font-size:9px;margin-bottom:5px}.brief-tile strong{display:block;font-size:13px}.brief-tile small{display:block;color:#8291a6;font-size:8px;margin-top:3px}.brief-alert{margin-top:9px;padding:10px;border-radius:12px;background:rgba(245,158,11,.10);border:1px solid rgba(245,158,11,.28);color:#fde68a;font-size:10px;line-height:1.4}
.debt-ai-answer{min-height:112px;background:linear-gradient(145deg,#101f35,#111a2d);border-color:#354b72;font-size:12px}.debt-ai-suggestions{display:grid;gap:8px;margin:0 0 12px}.ai-suggestion-card{display:grid;grid-template-columns:auto 1fr auto;gap:9px;align-items:center;background:#0e1c30;border:1px solid #2a405f;border-radius:13px;padding:10px;transition:.18s}.ai-suggestion-card:hover{border-color:#566d95;transform:translateY(-1px)}.ai-suggestion-icon{width:30px;height:30px;border-radius:10px;display:grid;place-items:center;background:#22365a;font-size:15px}.ai-suggestion-card strong{display:block;font-size:10px}.ai-suggestion-card span{display:block;color:#8fa0b7;font-size:9px;margin-top:3px;line-height:1.35}.ai-suggestion-count{font-size:10px;font-weight:950;color:#e9d5ff;background:#34245e;border:1px solid #513b82;border-radius:999px;padding:5px 7px}.debt-ai-tag{display:inline-flex;align-items:center;gap:4px;margin-top:7px;border-radius:999px;padding:5px 8px;background:#182d4c;color:#bfdbfe;border:1px solid #2d4f7b;font-size:9px;font-weight:850}
.debt-next-move{margin:10px 0;background:linear-gradient(90deg,rgba(59,130,246,.11),rgba(139,92,246,.11));border:1px solid #344d75;border-radius:12px;padding:9px 10px}.debt-next-move span{display:block;color:#9fb0c7;font-size:8px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:4px}.debt-next-move strong{font-size:10px;color:#dbeafe;line-height:1.4}.debt-card.priority-high .debt-next-move{border-color:#694047;background:linear-gradient(90deg,rgba(239,68,68,.10),rgba(245,158,11,.08))}.debt-card.priority-high .debt-next-move strong{color:#fecaca}
@media(max-width:760px){.brief-grid{grid-template-columns:1fr}.ai-suggestion-card{grid-template-columns:auto 1fr}.ai-suggestion-count{grid-column:2;justify-self:start}}


/* MoneyHub AI v3.2 requested expansion */
.theme-toggle{position:fixed;right:20px;top:18px;z-index:40;border:1px solid var(--line);background:var(--panel);color:var(--text);border-radius:999px;padding:9px 12px;font-size:11px;font-weight:850;cursor:pointer;box-shadow:0 8px 24px rgba(0,0,0,.18)}
.last4{font-size:9px;color:var(--muted);font-weight:700}.paycheck-safe-spend{display:grid;gap:7px;margin-top:10px}.safe-check-row{display:flex;justify-content:space-between;gap:8px;align-items:center;background:#102039;border:1px solid #2b4767;border-radius:11px;padding:8px}.safe-check-row strong,.safe-check-row small{display:block}.safe-check-row strong{font-size:10px}.safe-check-row small{font-size:8px;color:var(--muted);margin-top:3px}.safe-check-row>span{font-weight:950;color:#67e8f9;font-size:12px}.safe-check-row>span.negative{color:#fb7185}
.feature-page{padding-top:4px}.feature-hero{display:flex;justify-content:space-between;align-items:center}.todo-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:14px}.orange-text{color:#f59e0b!important}.todo-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.todo-card{background:linear-gradient(150deg,#142640,#101d31);border:1px solid #2d4567;border-radius:17px;padding:14px;position:relative;overflow:hidden}.todo-card:before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:#8b5cf6}.todo-card.priority-high:before{background:#ef4444}.todo-card.priority-low:before{background:#3b82f6}.todo-card.done{opacity:.62}.todo-card.done h3{text-decoration:line-through}.todo-card-head{display:grid;grid-template-columns:auto 1fr auto;gap:9px;align-items:start}.todo-card h3{margin:0;font-size:14px}.todo-card small{color:var(--muted);font-size:9px}.todo-priority{font-size:9px;padding:5px 7px;border-radius:999px;background:#2b254f;color:#ddd6fe}.todo-card p{font-size:11px;color:#c8d3e1;line-height:1.45}.todo-actions{display:flex;gap:7px;flex-wrap:wrap;margin-top:12px}.todo-actions button{border:0;border-radius:9px;padding:7px 9px;color:#fff;font-size:9px;font-weight:850;cursor:pointer}
.ai-command-layout{display:grid;grid-template-columns:minmax(0,2fr) minmax(290px,.8fr);gap:14px}.ai-summary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:14px}.ai-summary-grid>div{background:#102039;border:1px solid #2d4567;border-radius:13px;padding:11px}.ai-summary-grid span,.ai-summary-grid strong{display:block}.ai-summary-grid span{font-size:9px;color:var(--muted);margin-bottom:5px}.big-prompts button{padding:10px}.global-ai-answer{margin-top:14px;min-height:130px;font-size:13px}.career-panel h2{margin-top:0}.career-ideas{display:grid;gap:9px;margin-top:14px}.career-idea{display:flex;gap:10px;align-items:center;background:#102039;border:1px solid #2d4567;border-radius:12px;padding:10px}.career-idea>span{font-size:20px}.career-idea strong,.career-idea small{display:block}.career-idea small{font-size:9px;color:var(--muted);margin-top:3px}
.backup-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.backup-card{text-align:center;padding:28px}.backup-card h2{margin:10px 0}.backup-card p{color:var(--muted);font-size:12px;line-height:1.5;min-height:55px}.backup-card button{width:100%;margin-top:10px}.backup-icon{font-size:44px}.debt-cure-box{margin:10px 0;padding:12px;border-radius:13px;background:linear-gradient(135deg,rgba(245,158,11,.16),rgba(239,68,68,.10));border:1px solid rgba(245,158,11,.35)}.debt-cure-box span,.debt-cure-box strong,.debt-cure-box small{display:block}.debt-cure-box span{font-size:8px;font-weight:950;letter-spacing:.09em;color:#fcd34d}.debt-cure-box strong{font-size:21px;margin:4px 0;color:#fff}.debt-cure-box small{font-size:9px;color:#f8d9a0}.debt-cure-box.empty{background:#102039;border-color:#2d4567}.debt-cure-box.empty span,.debt-cure-box.empty small{color:var(--muted)}
[data-theme="light"]{--bg:#eef3f9;--sidebar:#ffffff;--panel:#ffffff;--panel2:#f5f8fc;--line:#d6e0eb;--text:#152238;--muted:#66758a;--green:#14884b;--purple:#7045d7;--blue:#2563eb;--red:#dc2626;--orange:#d97706}[data-theme="light"] body{background:var(--bg)}[data-theme="light"] .sidebar{background:#fff}[data-theme="light"] .metric-card,[data-theme="light"] .panel{background:#fff;box-shadow:0 12px 30px rgba(36,55,82,.10)}[data-theme="light"] input,[data-theme="light"] select,[data-theme="light"] textarea,[data-theme="light"] .bill-column,[data-theme="light"] .bill-card,[data-theme="light"] .todo-card,[data-theme="light"] .safe-check-row,[data-theme="light"] .ai-summary-grid>div,[data-theme="light"] .career-idea,[data-theme="light"] .modal-card{background:#f7f9fc;color:#152238}[data-theme="light"] .sidebar-note{background:#f2f6fb}[data-theme="light"] .nav-item{color:#334155}[data-theme="light"] .ai-answer{color:#334155;background:#f4f7fb}
@media(max-width:1050px){.todo-grid{grid-template-columns:1fr 1fr}.ai-command-layout,.backup-grid{grid-template-columns:1fr}.theme-toggle{position:absolute}.sidebar nav{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:760px){.todo-stats,.todo-grid,.ai-summary-grid{grid-template-columns:1fr}.feature-hero{align-items:flex-start;flex-direction:column}.sidebar nav{grid-template-columns:1fr}.theme-toggle{top:10px;right:10px}}

/* MoneyHub AI v4.0 authentication and cloud account */
.auth-pending .app-shell{display:none}.auth-ready #authGate{display:none}.auth-gate{min-height:100vh;display:grid;grid-template-columns:minmax(320px,1.05fr) minmax(360px,.95fr);background:radial-gradient(circle at 12% 15%,rgba(100,79,255,.28),transparent 32%),#070b17;color:#fff}.auth-brand-panel{padding:clamp(42px,8vw,110px);display:flex;flex-direction:column;justify-content:center;max-width:760px}.auth-logo{font-size:52px}.auth-kicker{letter-spacing:.22em;color:#9d91ff;font-weight:800;margin:22px 0 10px}.auth-brand-panel h1{font-size:clamp(42px,6vw,76px);line-height:1.02;margin:0 0 24px}.auth-brand-panel>p:not(.auth-kicker){font-size:18px;line-height:1.7;color:#aeb8d4;max-width:620px}.auth-feature-list{display:grid;gap:14px;margin-top:28px;color:#dbe2f8;font-weight:700}.auth-card{margin:32px;align-self:center;justify-self:center;width:min(500px,calc(100% - 40px));background:rgba(15,22,43,.94);border:1px solid rgba(255,255,255,.1);border-radius:28px;padding:34px;box-shadow:0 32px 90px rgba(0,0,0,.45)}.auth-state{text-align:center;padding:30px 5px}.auth-state h2,.auth-form h2{font-size:28px;margin:10px 0}.auth-state p,.auth-form>p{color:#9ca9c8;line-height:1.55}.auth-spinner{width:42px;height:42px;border:4px solid #28324e;border-top-color:#7c6cff;border-radius:50%;margin:auto;animation:spin .8s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}.auth-tabs{display:grid;grid-template-columns:1fr 1fr;background:#080d1b;border-radius:14px;padding:5px;margin-bottom:28px}.auth-tabs button{border:0;background:transparent;color:#8190b1;padding:12px;border-radius:10px;font-weight:800;cursor:pointer}.auth-tabs button.active{background:#7061ff;color:#fff}.auth-form{display:grid;gap:10px}.auth-form label{text-align:left;font-size:13px;font-weight:800;color:#cbd4eb;margin-top:7px}.auth-form input{width:100%;box-sizing:border-box;background:#090f20;border:1px solid #263252;color:#fff;border-radius:12px;padding:14px 15px;outline:none}.auth-form input:focus{border-color:#7c6cff;box-shadow:0 0 0 3px rgba(124,108,255,.15)}.password-wrap{position:relative}.password-wrap input{padding-right:65px}.show-password{position:absolute;right:8px;top:50%;transform:translateY(-50%);border:0;background:transparent;color:#9e93ff;font-weight:800;cursor:pointer}.auth-primary,.auth-secondary{border:0;border-radius:12px;padding:14px 16px;font-weight:900;cursor:pointer;margin-top:12px}.auth-primary{background:linear-gradient(135deg,#7a68ff,#5e8cff);color:#fff}.auth-secondary{background:#151e36;color:#dce3f5;border:1px solid #2d3a5d}.auth-link{border:0;background:transparent;color:#9f95ff;font-weight:800;cursor:pointer;padding:10px}.auth-message{min-height:22px;text-align:center;color:#ff9aab;font-weight:700}.migration-icon{font-size:48px}.migration-panel small{display:block;color:#7f8aa6;margin-top:16px}.top-account-bar{position:absolute;right:34px;top:24px;display:flex;align-items:center;gap:10px;z-index:20}.top-account-bar .theme-toggle{position:static}.cloud-status{display:flex;align-items:center;gap:7px;padding:9px 12px;border-radius:999px;background:rgba(15,22,42,.82);border:1px solid rgba(255,255,255,.09);font-size:12px;color:#aab5ce}.cloud-dot{width:8px;height:8px;border-radius:50%;background:#f0b84c}.cloud-status.saved .cloud-dot{background:#45d78b}.cloud-status.error .cloud-dot{background:#ff687d}.account-button{display:flex;align-items:center;gap:9px;border:1px solid rgba(255,255,255,.1);background:#111a30;color:#fff;border-radius:14px;padding:7px 10px;cursor:pointer}.account-button>span:first-child{display:grid;place-items:center;width:30px;height:30px;border-radius:10px;background:linear-gradient(135deg,#806cff,#5a8eff);font-weight:900}.account-copy{display:flex;flex-direction:column;text-align:left;max-width:150px}.account-copy small{color:#8e9ab6;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.account-menu{position:absolute;right:0;top:58px;width:250px;background:#11192c;border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:12px;box-shadow:0 20px 60px rgba(0,0,0,.4)}.account-menu div{padding:8px 9px 12px;border-bottom:1px solid rgba(255,255,255,.08);display:flex;flex-direction:column}.account-menu small{color:#8f9ab4;overflow:hidden;text-overflow:ellipsis}.account-menu button{width:100%;text-align:left;border:0;background:transparent;color:#dce4f8;padding:11px 9px;border-radius:9px;cursor:pointer}.account-menu button:hover{background:#1b2742}[data-theme="light"] .account-button,[data-theme="light"] .account-menu,[data-theme="light"] .cloud-status{background:#fff;color:#17203a;border-color:#dfe4f0}.auth-disabled{opacity:.65;pointer-events:none}
@media(max-width:900px){.auth-gate{grid-template-columns:1fr}.auth-brand-panel{padding:45px 28px 10px}.auth-brand-panel h1{font-size:42px}.auth-feature-list{display:none}.auth-card{margin:20px auto 40px}.top-account-bar{position:relative;right:auto;top:auto;justify-content:flex-end;margin:16px 16px 0}.account-copy{display:none}.cloud-status span:last-child{display:none}}

/* MoneyHub AI v4.2 — intentional mobile experience */
.mobile-app-header,.mobile-bottom-nav,.mobile-fab,.mobile-backdrop,.mobile-card-toggle{display:none}
@media(max-width:760px){
  :root{--mobile-nav-h:74px}
  body{padding-bottom:calc(var(--mobile-nav-h) + env(safe-area-inset-bottom));overflow-x:hidden}
  .app-shell{display:block;min-height:100vh}
  .mobile-app-header{display:flex;position:sticky;top:0;z-index:80;height:58px;align-items:center;justify-content:space-between;padding:0 16px;background:rgba(7,15,29,.94);backdrop-filter:blur(18px);border-bottom:1px solid rgba(255,255,255,.08)}
  .mobile-menu-btn,.mobile-account-btn{border:1px solid #2b3f5f;background:#111e34;color:#fff;width:38px;height:38px;border-radius:12px;font-weight:900;font-size:18px}
  .mobile-account-btn{background:linear-gradient(135deg,#7864ff,#4f8cff)}
  .mobile-brand{font-size:14px;letter-spacing:.01em}
  .sidebar{display:flex;position:fixed;z-index:100;inset:0 auto 0 0;width:min(84vw,330px);height:100dvh;transform:translateX(-105%);transition:transform .24s ease;box-shadow:30px 0 80px rgba(0,0,0,.5);overflow-y:auto;padding-top:18px}
  .mobile-drawer-open .sidebar{transform:translateX(0)}
  .mobile-backdrop{display:block;position:fixed;z-index:90;inset:0;background:rgba(0,0,0,.58);backdrop-filter:blur(3px)}
  .main{width:100%;padding:12px 14px 28px;box-sizing:border-box}
  .top-account-bar{margin:0 0 10px;justify-content:flex-end;min-height:38px}
  .top-account-bar .account-button{display:none}
  .cloud-status{margin-right:auto;padding:7px 10px}
  .theme-toggle{font-size:11px;padding:8px 10px}
  .account-menu{position:fixed;right:14px;top:64px;z-index:120}
  .page-header{padding:10px 2px 4px}
  .page-header h1{font-size:31px;line-height:1.08;margin:5px 0 10px}
  .page-header .subtitle{font-size:14px;line-height:1.45}
  .top-grid{display:flex;flex-direction:column;gap:12px}
  .metric-card{position:relative;padding:17px;border-radius:19px}
  .metric-card.safe-card{order:-2;background:linear-gradient(145deg,#102942,#102039 55%,#172246);border-color:#2f6681;box-shadow:0 12px 36px rgba(30,199,226,.10)}
  .safe-card .metric-value{font-size:44px;color:#54d8ff}
  .safe-card .metric-label{font-size:15px}
  .health-card{order:-1}
  .mobile-card-toggle{display:grid;position:absolute;right:12px;top:11px;width:32px;height:32px;place-items:center;border:1px solid #304967;border-radius:10px;background:#102039;color:#dbe7f7;font-size:16px;z-index:3}
  .metric-card.mobile-collapsed{min-height:74px;padding-right:52px}
  .metric-card.mobile-collapsed>*:not(.metric-label):not(.metric-value):not(.mobile-card-toggle){display:none!important}
  .metric-card.mobile-collapsed .metric-value{font-size:28px;margin-top:8px}
  .paycheck-card.mobile-collapsed .metric-head{display:flex!important}
  .paycheck-card.mobile-collapsed .metric-head .tiny-btn{display:none}
  .paycheck-card.mobile-collapsed>.mobile-card-toggle{display:grid!important}
  .workspace{display:block;margin-top:14px}
  .panel{border-radius:20px;padding:16px}
  .panel-header{display:block}
  .panel-header h2{font-size:25px}
  .panel-header-actions{display:grid;grid-template-columns:1fr;margin-top:13px}
  .panel-header-actions #addBillBtn{display:none}
  .month-switcher{width:100%;grid-template-columns:42px 1fr 42px}
  .coverage-summary{grid-template-columns:1fr 1fr;gap:8px}
  .bill-toolbar{gap:10px}
  .segmented{overflow-x:auto;flex-wrap:nowrap;padding-bottom:2px}
  .segmented button{white-space:nowrap}
  .view-buttons{display:none!important}
  .toolbar-right{display:grid;grid-template-columns:1fr;gap:9px;width:100%}
  .toolbar-right input,.toolbar-right select{width:100%;min-height:44px;font-size:16px}
  .bill-columns{display:block}
  .bill-column{padding:10px;border-radius:17px}
  .bill-card{padding:14px;border-radius:16px}
  .bill-title{min-width:0}.bill-name{font-size:18px;overflow:hidden;text-overflow:ellipsis}
  .bill-card-top .amount{font-size:20px;white-space:nowrap}
  .bill-card-meta{gap:6px}.bill-card-meta span{font-size:10px}
  .bill-actions{display:grid;grid-template-columns:1fr auto auto auto;gap:7px;margin-top:12px}
  .bill-actions .action-btn{padding:9px 10px;font-size:10px}
  .bill-actions .paid-btn{min-width:0}
  .monthly-layout,.breakdown-ai-grid{display:block}
  .breakdown-panel,.ai-panel{margin-top:14px}
  .breakdown-panel .category-line{font-size:12px}
  .ai-panel textarea{min-height:92px}
  .mobile-bottom-nav{display:grid;position:fixed;z-index:85;left:0;right:0;bottom:0;height:calc(var(--mobile-nav-h) + env(safe-area-inset-bottom));padding:7px 10px env(safe-area-inset-bottom);grid-template-columns:repeat(5,1fr);background:rgba(8,17,31,.97);backdrop-filter:blur(22px);border-top:1px solid rgba(255,255,255,.1);box-shadow:0 -10px 35px rgba(0,0,0,.28)}
  .mobile-nav-item{border:0;background:transparent;color:#8090a8;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;border-radius:13px;font-weight:800}
  .mobile-nav-item span{font-size:21px}.mobile-nav-item small{font-size:9px}
  .mobile-nav-item.active{color:#fff;background:rgba(106,91,255,.16)}
  .mobile-nav-ai{transform:translateY(-13px);width:56px;height:56px;justify-self:center;border-radius:18px;background:linear-gradient(135deg,#22c55e,#795cff)!important;color:#fff!important;box-shadow:0 10px 28px rgba(108,86,255,.35)}
  .mobile-nav-ai small{display:none}
  .mobile-fab{display:grid;position:fixed;z-index:84;right:18px;bottom:calc(var(--mobile-nav-h) + 18px + env(safe-area-inset-bottom));width:56px;height:56px;place-items:center;border:0;border-radius:18px;background:linear-gradient(135deg,#18b766,#8059ff);color:#fff;font-size:30px;box-shadow:0 15px 36px rgba(65,79,220,.42)}
  .mobile-fab.is-hidden{display:none}
  .modal{align-items:flex-end;padding:0}
  .modal-card{width:100%;max-height:92dvh;border-radius:24px 24px 0 0;padding:20px 16px calc(20px + env(safe-area-inset-bottom));overflow-y:auto}
  .modal-card input,.modal-card select,.modal-card textarea{font-size:16px}
  .debt-form-grid{grid-template-columns:1fr}
  .todo-stats,.todo-grid,.ai-summary-grid,.backup-grid{grid-template-columns:1fr}
  .auth-gate{min-height:100dvh}.auth-brand-panel{display:none}.auth-card{margin:0;width:100%;min-height:100dvh;border-radius:0;display:flex;align-items:center;box-sizing:border-box;padding:28px 20px}.auth-card>div{width:100%}
}

/* MoneyHub v4.2.1 — iPhone mobile backdrop fix */
@media (max-width: 760px) {
  .mobile-backdrop[hidden] {
    display: none !important;
  }

  .mobile-backdrop:not([hidden]) {
    display: block;
    background: rgba(0, 0, 0, 0.58);
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
  }

  .mobile-app-header,
  .mobile-bottom-nav {
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
  }

  .mobile-app-header {
    background: #070f1d;
  }

  .mobile-bottom-nav {
    background: #08111f;
  }
}
.migration-summary{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:18px 0;text-align:left}.migration-stat{background:#0a1021;border:1px solid #263252;border-radius:12px;padding:12px}.migration-stat strong{display:block;font-size:22px;color:#fff}.migration-stat span{font-size:12px;color:#96a3c2}.migration-warning{grid-column:1/-1;color:#ffd37a;font-size:12px;line-height:1.45;background:rgba(255,184,76,.08);border-color:rgba(255,184,76,.25)}[data-theme="light"] .migration-stat{background:#f6f8fc;border-color:#dfe4f0}[data-theme="light"] .migration-stat strong{color:#17203a}

/* MoneyHub AI v4.4 — mobile creation flow and sheet polish */
.section-add-btn{display:none;border:0;border-radius:14px;width:44px;height:44px;place-items:center;background:linear-gradient(135deg,#18b766,#8059ff);color:#fff;font-size:26px;font-weight:800;box-shadow:0 10px 24px rgba(86,80,220,.28);cursor:pointer}
.debt-head-actions,.todo-head-actions{display:flex;align-items:center;gap:10px}
body.modal-open{overflow:hidden;overscroll-behavior:none}
.modal-card{overscroll-behavior:contain;-webkit-overflow-scrolling:touch}

@media(max-width:760px){
  body.modal-open{position:fixed;width:100%;left:0;right:0}
  .section-add-btn{display:grid;flex:0 0 auto}
  .debt-hero>.debt-add-btn,.feature-hero>#addTodoBtn{display:none}
  .debt-panel-head{display:flex;align-items:flex-start;gap:10px}
  .debt-panel-head>div:first-child{min-width:0;flex:1}
  .debt-head-actions{align-items:flex-start}
  .debt-view-note{max-width:185px}
  .todo-head-actions{width:100%;justify-content:space-between;margin-top:12px}
  .todo-head-actions .segmented{flex:1}
  .mobile-fab{width:auto;min-width:58px;height:58px;padding:0 15px;display:flex;align-items:center;justify-content:center;gap:7px;border-radius:19px}
  .mobile-fab span{font-size:29px;line-height:1}
  .mobile-fab small{display:none;font-size:11px;font-weight:900;white-space:nowrap}
  .modal{z-index:200;align-items:flex-end;background:rgba(2,7,16,.82);overscroll-behavior:none}
  .modal-card{display:block;width:100%;height:min(92dvh,920px);max-height:92dvh;border-radius:24px 24px 0 0;padding:0 16px calc(94px + env(safe-area-inset-bottom));overflow-y:auto;scroll-padding-bottom:120px;box-shadow:0 -18px 60px rgba(0,0,0,.52)}
  .modal-title-row{position:sticky;top:0;z-index:8;margin:0 -16px 8px;padding:18px 16px 14px;background:#111f33;border-bottom:1px solid #2a4060}
  .modal-title-row h2{font-size:27px;line-height:1.1}
  .modal-title-row .icon-btn{width:42px;height:42px;border-radius:13px;background:#172a44;font-size:20px}
  .modal-actions{position:sticky;bottom:calc(-94px - env(safe-area-inset-bottom));z-index:9;grid-template-columns:1fr 1fr;margin:22px -16px 0;padding:13px 16px calc(13px + env(safe-area-inset-bottom));background:#0d192b;border-top:1px solid #2a4060;box-shadow:0 -12px 28px rgba(0,0,0,.32)}
  .modal-actions .primary-btn,.modal-actions .secondary-btn{min-height:50px;font-size:14px}
  .modal-actions .cancel-modal-btn{display:none}
  .modal-actions .add-another-btn{background:#203754;border:1px solid #365474}
  .debt-modal-card{height:94dvh;max-height:94dvh}
  .debt-list-row{padding:14px;gap:12px}
  .debt-list-row>div{display:grid;grid-template-columns:104px minmax(0,1fr);gap:8px;align-items:start}
  .debt-list-row>div span,.debt-list-row>div small{margin:0}
  .debt-list-row>div strong{min-width:0;overflow-wrap:anywhere}
  .debt-list-row .debt-card-actions{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;width:100%}
  .debt-list-row .debt-card-actions button{width:100%;min-height:40px}
  .sidebar{display:block;padding:18px 16px 110px;width:min(86vw,340px)}
  .sidebar .brand{font-size:21px;margin:4px 0 4px}
  .sidebar .brand-sub{margin-bottom:20px;max-width:260px;line-height:1.35}
  .sidebar nav{display:grid!important;grid-template-columns:1fr!important;gap:8px;width:100%}
  .sidebar .nav-item{display:block;width:100%;padding:14px 15px;font-size:16px;line-height:1.25;border-radius:14px;white-space:normal}
  .sidebar-note{display:none}
}
\n\n/* MoneyHub AI v5 public beta polish */\n.bill-list-row{display:grid!important;grid-template-columns:minmax(190px,1.7fr) minmax(105px,.7fr) minmax(130px,.9fr) 184px;align-items:center;gap:12px;min-height:74px;padding:12px;border:1px solid #2a405f;border-radius:13px;background:#13243b;box-sizing:border-box}\n.bill-list-row .list-main,.bill-list-row .list-money,.bill-list-row .list-suggestion{min-width:0}\n.bill-list-row .bill-actions{display:grid;grid-template-columns:repeat(2,minmax(78px,1fr));gap:7px;margin:0}\n.bill-list-row .bill-actions .action-btn{width:100%;min-height:34px}\n.timeline-items{display:grid;gap:8px}.timeline-items .bill-list-row{grid-template-columns:minmax(170px,1.5fr) minmax(100px,.65fr) minmax(125px,.8fr) 184px}\n.settings-grid,.savings-summary{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.settings-card,.feedback-card{padding:22px}.settings-card input{width:100%;margin:10px 0}.feedback-card{max-width:760px;text-align:center;margin:auto}.feedback-icon{font-size:54px}.savings-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.saving-card{background:#13243b;border:1px solid #2a405f;border-radius:16px;padding:16px}.saving-head,.saving-actions,.saving-grid{display:flex;justify-content:space-between;gap:10px;align-items:center}.saving-head h3{margin:0}.saving-head small,.saving-card p,.saving-grid span{color:var(--muted);font-size:12px}.saving-track{height:10px;background:#07111f;border-radius:999px;overflow:hidden;margin:14px 0}.saving-track span{display:block;height:100%;background:linear-gradient(90deg,#22c55e,#795cff)}.saving-grid>div{display:grid;gap:4px}.saving-actions{justify-content:flex-end;margin-top:14px}.saving-actions button{padding:8px 10px;color:#fff}.always-visible{display:grid}\n.mobile-panel-toggle{display:none}\n@media(max-width:760px){\n .settings-grid,.savings-summary,.savings-grid{grid-template-columns:1fr}\n .bill-columns{overflow:hidden;position:relative}.bill-column{width:100%;box-sizing:border-box}.bill-columns .covered-column{display:none}.bill-columns.show-history .attention-column{display:none}.bill-columns.show-history .covered-column{display:block}\n .bill-columns::before{content:"Swipe left for Paid / Skipped →";display:block;color:var(--muted);font-size:11px;text-align:center;margin:0 0 8px}.bill-columns.show-history::before{content:"← Swipe right for Active Bills"}\n .bill-list-row,.timeline-items .bill-list-row{grid-template-columns:minmax(0,1fr) auto!important;gap:10px;min-height:auto}.bill-list-row .list-main{grid-column:1/2}.bill-list-row .list-money{grid-column:2/3;text-align:right}.bill-list-row .list-suggestion{grid-column:1/3}.bill-list-row .bill-actions{grid-column:1/3;grid-template-columns:repeat(4,minmax(0,1fr));width:100%}.bill-list-row.history-row .bill-actions{grid-template-columns:1fr 1fr}.bill-list-row .bill-actions .action-btn{min-width:0;padding:9px 5px}\n .mobile-panel-toggle{display:grid;position:absolute;right:12px;top:12px;width:38px;height:38px;place-items:center;border:1px solid #304967;border-radius:11px;background:#102039;color:#fff;font-size:18px;z-index:4}.bills-panel>.panel-header,.breakdown-panel>.panel-header,.ai-panel>.panel-header{position:relative;padding-right:52px}.mobile-panel-collapsed>*:not(.panel-header){display:none!important}.mobile-panel-collapsed{min-height:76px}\n .metric-card.mobile-collapsed{min-height:86px}.paycheck-card.mobile-collapsed .metric-head{min-height:40px;align-items:center}.paycheck-card.mobile-collapsed .metric-label{display:block!important;max-width:calc(100% - 44px);font-size:15px;line-height:1.25}\n}\n
/* MoneyHub AI v5.1 beta layout polish */
/* Keep mobile-only collapse controls out of desktop/tablet layouts. */
.mobile-card-toggle,
.mobile-panel-toggle{display:none!important}

/* Timeline: keep amount and actions together so no horizontal hunt is needed. */
.timeline-items .bill-list-row{
  grid-template-columns:minmax(0,1fr) 170px!important;
  grid-template-rows:auto auto;
  column-gap:14px;
  row-gap:7px;
  min-width:0;
}
.timeline-items .bill-list-row .list-main{grid-column:1;grid-row:1 / span 2}
.timeline-items .bill-list-row .list-suggestion{grid-column:1;grid-row:3}
.timeline-items .bill-list-row .list-money{grid-column:2;grid-row:1;text-align:right;align-self:end}
.timeline-items .bill-list-row .bill-actions{
  grid-column:2;
  grid-row:2 / span 2;
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:7px;
  width:100%;
  align-self:start;
}
.timeline-items .bill-list-row .bill-actions .action-btn{width:100%;min-width:0}
.timeline-items{overflow-x:hidden}

/* Branded scrollbars instead of the bright browser-default bars. */
*{scrollbar-width:thin;scrollbar-color:#6d5ce7 #0b1728}
*::-webkit-scrollbar{width:10px;height:10px}
*::-webkit-scrollbar-track{background:#0b1728;border-radius:999px}
*::-webkit-scrollbar-thumb{background:linear-gradient(90deg,#19a86b,#7657e8);border:2px solid #0b1728;border-radius:999px}
*::-webkit-scrollbar-thumb:hover{background:linear-gradient(90deg,#22c77e,#8b6cff)}
*::-webkit-scrollbar-corner{background:#0b1728}
*::-webkit-scrollbar-button{display:none;width:0;height:0}

/* Keep page-level add actions clear of the account dropdown on desktop. */
.debt-hero>.primary-btn,
.feature-hero>.primary-btn{margin-top:58px;flex:0 0 auto}

@media(max-width:1050px) and (min-width:761px){
  .debt-hero,.feature-hero{gap:18px}
  .debt-hero>.primary-btn,.feature-hero>.primary-btn{margin-top:64px}
}

@media(max-width:760px){
  .mobile-card-toggle,.mobile-panel-toggle{display:grid!important}
  .timeline-items .bill-list-row{
    grid-template-columns:minmax(0,1fr) auto!important;
    grid-template-rows:auto auto auto;
    overflow:hidden;
  }
  .timeline-items .bill-list-row .list-main{grid-column:1;grid-row:1}
  .timeline-items .bill-list-row .list-money{grid-column:2;grid-row:1;text-align:right}
  .timeline-items .bill-list-row .list-suggestion{grid-column:1 / -1;grid-row:2}
  .timeline-items .bill-list-row .bill-actions{grid-column:1 / -1;grid-row:3;grid-template-columns:repeat(4,minmax(0,1fr))}
  .timeline-items .bill-list-row.history-row .bill-actions{grid-template-columns:repeat(2,minmax(0,1fr))}
  .debt-hero>.primary-btn,.feature-hero>.primary-btn{margin-top:0;width:100%;min-height:46px}
  .debt-hero,.feature-hero{padding-right:0}
}

/* MoneyHub AI v5.2 — personalized skills + portrait mobile fixes */
.skill-path-box{display:grid;gap:10px;margin:14px 0;padding:14px;border:1px solid #2b4262;border-radius:14px;background:#0e1b2e}
.skill-path-box>div:first-child{display:grid;gap:4px}.skill-path-box small{color:var(--muted);line-height:1.4}
.skill-path-row{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:9px}.skill-path-row input{min-width:0}

@media(max-width:760px){
  /* Keep the paycheck title/header visible while only its body is collapsed. */
  .metric-card.mobile-collapsed>*:not(.metric-label):not(.metric-value):not(.metric-head):not(.mobile-card-toggle){display:none!important}
  .paycheck-card.mobile-collapsed .metric-head{display:flex!important;position:relative;z-index:2;width:100%;padding-right:42px}
  .paycheck-card.mobile-collapsed .metric-head .metric-label{display:block!important;visibility:visible!important;opacity:1!important;color:var(--text)!important;white-space:normal;overflow:visible}
  .paycheck-card.mobile-collapsed .metric-head .tiny-btn{display:none!important}
  .paycheck-card.mobile-collapsed>.mobile-card-toggle{display:grid!important}
  .skill-path-row{grid-template-columns:1fr}.skill-path-row button{width:100%;min-height:44px}

  /* Debt timeline gets its own portrait layout; no compressed desktop columns. */
  .debt-card-grid.debt-view-timeline{display:block!important;min-width:0;overflow-x:hidden}
  .debt-view-timeline .debt-timeline-card{width:100%;min-width:0;box-sizing:border-box;padding:14px;overflow:hidden}
  .debt-view-timeline .debt-timeline-head{display:grid;grid-template-columns:minmax(0,1fr);gap:5px;align-items:start}
  .debt-view-timeline .debt-timeline-head strong,.debt-view-timeline .debt-timeline-head span{overflow-wrap:anywhere;word-break:normal}
  .debt-view-timeline .debt-timeline-head span{text-align:left}
  .debt-view-timeline .debt-event{grid-template-columns:82px minmax(0,1fr);gap:9px;padding-right:0}
  .debt-view-timeline .debt-event time,.debt-view-timeline .debt-event span{min-width:0;overflow-wrap:anywhere}
  .debt-view-timeline .debt-card-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px;width:100%;margin-top:12px}
  .debt-view-timeline .debt-card-actions button{width:100%;min-width:0;min-height:42px;white-space:normal}
}

@media(max-width:390px){
  .debt-view-timeline .debt-event{grid-template-columns:1fr;gap:3px;padding-left:14px}
}


/* MoneyHub AI v5.3 final targeted mobile polish */
#themeToggle{display:none!important}
.settings-card button:disabled{opacity:.72;cursor:not-allowed}
.paycheck-body{display:grid;gap:14px}

@media(max-width:760px){
  /* One clean, branded collapse control only. */
  .mobile-card-toggle,.mobile-panel-toggle{
    appearance:none!important;-webkit-appearance:none!important;
    display:grid!important;place-items:center!important;
    width:38px!important;height:38px!important;min-width:38px!important;
    padding:0!important;margin:0!important;
    border:1px solid #36506f!important;border-radius:12px!important;
    background:#102039!important;color:#eef5ff!important;
    font:900 18px/1 system-ui,sans-serif!important;
    box-shadow:none!important;outline:none!important;
  }
  .mobile-card-toggle{position:absolute!important;right:12px!important;top:12px!important;z-index:5!important}
  .mobile-panel-toggle{position:absolute!important;right:12px!important;top:12px!important;z-index:5!important}

  /* Paycheck header never collapses; only paycheck-body does. */
  .paycheck-card{position:relative!important;padding-right:58px!important}
  .paycheck-card .metric-head{display:flex!important;align-items:center!important;justify-content:space-between!important;gap:10px!important;min-height:38px!important;position:relative!important;z-index:2!important}
  .paycheck-card .metric-head .metric-label{display:block!important;visibility:visible!important;opacity:1!important;color:var(--text)!important;max-width:calc(100% - 60px)!important;white-space:normal!important;overflow:visible!important;font-size:15px!important;line-height:1.25!important}
  .paycheck-card .metric-head .tiny-btn{display:inline-flex!important;position:static!important;margin-right:2px!important;flex:0 0 auto!important;z-index:3!important}
  .paycheck-card.mobile-collapsed{min-height:86px!important;padding-right:58px!important}
  .paycheck-card.mobile-collapsed .paycheck-body{display:none!important}
  .paycheck-card.mobile-collapsed .metric-head{display:flex!important}
  .paycheck-card.mobile-collapsed .metric-head .tiny-btn{display:none!important}
  .paycheck-card.mobile-collapsed>*:not(.metric-head):not(.mobile-card-toggle){display:none!important}

  /* Debt list: portrait stacked records; cards and timeline untouched. */
  .debt-card-grid.debt-view-list{display:block!important;width:100%!important;min-width:0!important;overflow-x:hidden!important}
  .debt-view-list .debt-list-row{
    display:flex!important;flex-direction:column!important;align-items:stretch!important;
    width:100%!important;min-width:0!important;max-width:100%!important;
    gap:10px!important;padding:14px!important;margin:0 0 10px!important;
    box-sizing:border-box!important;overflow:hidden!important;
  }
  .debt-view-list .debt-list-row>div{
    display:grid!important;grid-template-columns:100px minmax(0,1fr)!important;
    width:100%!important;min-width:0!important;gap:8px!important;align-items:start!important;
  }
  .debt-view-list .debt-list-row>div:first-child{display:block!important}
  .debt-view-list .debt-list-row>div span,.debt-view-list .debt-list-row>div small{margin:0!important;min-width:0!important}
  .debt-view-list .debt-list-row strong{display:block!important;min-width:0!important;max-width:100%!important;white-space:normal!important;overflow-wrap:anywhere!important;word-break:normal!important}
  .debt-view-list .debt-list-row .debt-card-actions{
    display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr))!important;
    width:100%!important;gap:8px!important;margin-top:4px!important;
  }
  .debt-view-list .debt-list-row .debt-card-actions button{width:100%!important;min-width:0!important;min-height:42px!important;padding:8px 4px!important;white-space:normal!important}

  /* Savings page: contained cards, aligned summaries, no button overflow. */
  #savingsPage{width:100%!important;min-width:0!important;overflow-x:hidden!important}
  #savingsPage .feature-hero{padding-right:0!important}
  .savings-summary{display:grid!important;grid-template-columns:1fr!important;gap:12px!important;width:100%!important}
  .savings-summary .metric-card{width:100%!important;min-width:0!important;box-sizing:border-box!important}
  #savingsPage>.panel{width:100%!important;min-width:0!important;box-sizing:border-box!important;padding:16px!important}
  #savingsPage>.panel>.panel-header{display:flex!important;align-items:flex-start!important;gap:10px!important;padding-right:0!important}
  #savingsPage .section-add-btn{flex:0 0 48px!important;width:48px!important;height:48px!important;margin-left:auto!important}
  .savings-grid{display:grid!important;grid-template-columns:1fr!important;width:100%!important;min-width:0!important;gap:12px!important}
  .saving-card{width:100%!important;min-width:0!important;max-width:100%!important;box-sizing:border-box!important;padding:16px!important;overflow:hidden!important}
  .saving-head{align-items:flex-start!important}.saving-head>div{min-width:0!important}.saving-head h3{overflow-wrap:anywhere!important}
  .saving-grid{display:grid!important;grid-template-columns:1fr 1fr!important;gap:12px!important}
  .saving-actions{display:grid!important;grid-template-columns:1fr 1fr!important;gap:8px!important;width:100%!important;margin-top:14px!important}
  .saving-actions button{width:100%!important;min-width:0!important;min-height:44px!important;margin:0!important;white-space:normal!important}
  .saving-actions button:first-child{grid-column:1/-1!important}

  /* Contextual FAB stays clear of content and nav. */
  .mobile-fab{right:18px!important;bottom:calc(88px + env(safe-area-inset-bottom))!important;z-index:90!important}
  .mobile-fab.is-hidden{display:none!important}

  /* Compact settings instead of oversized open cards. */
  .settings-grid{display:grid!important;grid-template-columns:1fr!important;gap:10px!important}
  .settings-grid .panel{padding:16px!important;border-radius:15px!important}
  .settings-grid .panel h2{font-size:18px!important;margin-bottom:5px!important}
  .settings-grid .panel p{margin:0 0 10px!important;line-height:1.4!important}
}

@media(max-width:390px){
  .debt-view-list .debt-list-row>div{grid-template-columns:86px minmax(0,1fr)!important}
  .debt-view-list .debt-list-row .debt-card-actions{grid-template-columns:1fr!important}
  .saving-grid{grid-template-columns:1fr!important}
}

/* MoneyHub AI v5.4 — final targeted beta fixes */
@media(max-width:760px){
  /* Paycheck card: permanent header, independently collapsible body. */
  .paycheck-card{position:relative!important;padding:16px 58px 16px 16px!important;min-height:86px!important}
  .paycheck-card .metric-head{display:flex!important;visibility:visible!important;opacity:1!important;align-items:center!important;justify-content:space-between!important;gap:10px!important;min-height:42px!important;width:100%!important;position:relative!important;z-index:3!important}
  .paycheck-card .metric-head .metric-label{display:block!important;visibility:visible!important;opacity:1!important;color:var(--text)!important;font-size:15px!important;line-height:1.25!important;white-space:normal!important;overflow:visible!important;max-width:calc(100% - 58px)!important}
  .paycheck-card .metric-head .tiny-btn{display:inline-flex!important;align-items:center!important;justify-content:center!important;position:static!important;flex:0 0 auto!important;min-width:44px!important;z-index:4!important}
  .paycheck-card .paycheck-body{display:grid!important}
  .paycheck-card.paycheck-collapsed .paycheck-body{display:none!important}
  .paycheck-card.paycheck-collapsed .metric-head{display:flex!important;visibility:visible!important}
  .paycheck-card.paycheck-collapsed .metric-head .tiny-btn{display:none!important}
  .paycheck-card.paycheck-collapsed>*:not(.metric-head):not(.mobile-card-toggle){display:none!important}

  /* Active Bills list: readable stacked mobile record with all actions contained. */
  #activeBillsList .bill-list-row,
  #paidBillsList .bill-list-row,
  .bill-column .bill-list-row{
    display:grid!important;
    grid-template-columns:minmax(0,1fr)!important;
    gap:10px!important;
    width:100%!important;
    min-width:0!important;
    max-width:100%!important;
    padding:14px!important;
    overflow:hidden!important;
    box-sizing:border-box!important;
  }
  .bill-list-row .list-main,
  .bill-list-row .list-money,
  .bill-list-row .list-suggestion,
  .bill-list-row .bill-actions{
    grid-column:1!important;
    width:100%!important;
    min-width:0!important;
  }
  .bill-list-row .list-main{display:grid!important;grid-template-columns:auto minmax(0,1fr)!important;gap:10px!important;align-items:start!important}
  .bill-list-row .list-main>div{min-width:0!important}
  .bill-list-row .list-main strong{display:block!important;font-size:16px!important;white-space:normal!important;overflow-wrap:anywhere!important}
  .bill-list-row .list-main small{display:block!important;white-space:normal!important;overflow-wrap:anywhere!important;margin-top:3px!important}
  .bill-list-row .list-money{text-align:left!important;display:flex!important;align-items:baseline!important;gap:8px!important;flex-wrap:wrap!important}
  .bill-list-row .list-money strong{font-size:18px!important}
  .bill-list-row .list-suggestion{text-align:left!important;white-space:normal!important;overflow-wrap:anywhere!important}
  .bill-list-row .bill-actions{display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr))!important;gap:8px!important;margin:0!important}
  .bill-list-row .bill-actions .action-btn{width:100%!important;min-width:0!important;min-height:42px!important;padding:9px 6px!important;white-space:normal!important}
  .bill-list-row.history-row .bill-actions{grid-template-columns:repeat(2,minmax(0,1fr))!important}
}

/* MoneyHub AI v5.4.1 — mobile Active Bills timeline spacing fix only */
@media(max-width:760px){
  .bill-list[data-view="timeline"] .timeline-group{
    display:grid!important;
    grid-template-columns:132px minmax(0,1fr)!important;
    gap:12px!important;
    align-items:start!important;
    width:100%!important;
    min-width:0!important;
  }
  .bill-list[data-view="timeline"] .timeline-date{
    position:relative!important;
    top:auto!important;
    width:100%!important;
    min-width:0!important;
    box-sizing:border-box!important;
    text-align:center!important;
    align-self:start!important;
  }
  .bill-list[data-view="timeline"] .timeline-items{
    display:grid!important;
    grid-template-columns:minmax(0,1fr)!important;
    gap:10px!important;
    min-width:0!important;
    width:100%!important;
    overflow:hidden!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row{
    display:grid!important;
    grid-template-columns:minmax(0,1fr)!important;
    grid-template-rows:auto!important;
    gap:9px!important;
    width:100%!important;
    min-width:0!important;
    max-width:100%!important;
    padding:14px!important;
    box-sizing:border-box!important;
    overflow:hidden!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-main,
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-money,
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-suggestion,
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .bill-actions{
    grid-column:1!important;
    grid-row:auto!important;
    width:100%!important;
    min-width:0!important;
    max-width:100%!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-main{
    display:grid!important;
    grid-template-columns:auto minmax(0,1fr)!important;
    align-items:start!important;
    gap:9px!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-main strong{
    display:block!important;
    font-size:17px!important;
    line-height:1.2!important;
    white-space:normal!important;
    overflow:visible!important;
    text-overflow:clip!important;
    overflow-wrap:anywhere!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-main small{
    display:block!important;
    margin-top:4px!important;
    font-size:10px!important;
    line-height:1.35!important;
    white-space:normal!important;
    overflow-wrap:anywhere!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-money{
    display:block!important;
    text-align:left!important;
    line-height:1.2!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-money strong{
    display:block!important;
    font-size:21px!important;
    line-height:1.15!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-money small{
    display:block!important;
    margin-top:4px!important;
    line-height:1.3!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .list-suggestion{
    display:block!important;
    text-align:left!important;
    line-height:1.35!important;
    white-space:normal!important;
    overflow-wrap:anywhere!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .bill-actions{
    display:grid!important;
    grid-template-columns:repeat(2,minmax(0,1fr))!important;
    gap:8px!important;
    margin:2px 0 0!important;
  }
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row .bill-actions .action-btn{
    width:100%!important;
    min-width:0!important;
    min-height:48px!important;
    padding:10px 6px!important;
  }
}

@media(max-width:420px){
  .bill-list[data-view="timeline"] .timeline-group{
    grid-template-columns:108px minmax(0,1fr)!important;
    gap:9px!important;
  }
  .bill-list[data-view="timeline"] .timeline-date{padding:10px 7px!important}
  .bill-list[data-view="timeline"] .timeline-items .bill-list-row{padding:12px!important}
}

/* v5.5 partial-payment polish */
.amount .partial-amount{display:block;font-size:.68rem;font-weight:600;opacity:.72;margin-top:2px;white-space:nowrap}
.partial-badge{display:inline-flex;align-items:center;gap:4px;padding:5px 8px;border-radius:999px;background:rgba(117,92,255,.12);border:1px solid rgba(151,129,255,.26);font-size:.76rem}
.partial-btn{background:rgba(117,92,255,.13);border-color:rgba(151,129,255,.3)}
@media(max-width:760px){.bill-actions .partial-btn{min-width:0}.amount .partial-amount{white-space:normal;text-align:right}}


/* v5.5.2 — desktop Active Bills list alignment only */
@media (min-width:761px){
  .attention-column .bill-list[data-view="list"] .bill-list-row{
    grid-template-columns:minmax(190px,1.7fr) minmax(105px,.7fr) minmax(130px,.9fr) 196px!important;
    gap:12px!important;
    align-items:center!important;
  }
  .attention-column .bill-list[data-view="list"] .bill-actions{
    display:grid!important;
    grid-template-columns:repeat(2,minmax(0,1fr))!important;
    grid-auto-rows:38px!important;
    gap:7px!important;
    width:196px!important;
    min-width:196px!important;
    margin:0!important;
    align-items:stretch!important;
  }
  .attention-column .bill-list[data-view="list"] .bill-actions .action-btn{
    width:100%!important;
    min-width:0!important;
    min-height:38px!important;
    height:38px!important;
    padding:7px 5px!important;
    display:inline-flex!important;
    align-items:center!important;
    justify-content:center!important;
    text-align:center!important;
    white-space:nowrap!important;
  }
  .attention-column .bill-list[data-view="list"] .bill-actions .delete-btn{
    grid-column:1 / -1!important;
  }
}

/* v5.5.5 — desktop Active Bills list view: align both Active and Paid/Skipped columns */
@media (min-width: 761px) {
  .bill-columns .bill-column .bill-list[data-view="list"] {
    overflow-x: hidden;
  }

  .bill-columns .bill-column .bill-list[data-view="list"] .bill-list-row {
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) auto !important;
    grid-template-areas:
      "main money"
      "suggestion suggestion"
      "actions actions" !important;
    gap: 9px 12px !important;
    align-items: center !important;
    width: 100% !important;
    min-width: 0 !important;
    box-sizing: border-box !important;
  }

  .bill-columns .bill-column .bill-list[data-view="list"] .list-main {
    grid-area: main !important;
    min-width: 0 !important;
  }

  .bill-columns .bill-column .bill-list[data-view="list"] .list-money {
    grid-area: money !important;
    min-width: 92px !important;
    text-align: right !important;
  }

  .bill-columns .bill-column .bill-list[data-view="list"] .list-suggestion {
    grid-area: suggestion !important;
    min-width: 0 !important;
    white-space: normal !important;
    overflow-wrap: anywhere !important;
  }

  .bill-columns .bill-column .bill-list[data-view="list"] .bill-actions {
    grid-area: actions !important;
    display: grid !important;
    grid-template-columns: repeat(5, minmax(0, 1fr)) !important;
    gap: 7px !important;
    width: 100% !important;
    min-width: 0 !important;
    margin: 1px 0 0 !important;
  }

  .bill-columns .bill-column .bill-list[data-view="list"] .bill-actions .action-btn {
    width: 100% !important;
    min-width: 0 !important;
    min-height: 38px !important;
    height: 38px !important;
    padding: 7px 5px !important;
    display: inline-flex !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    white-space: nowrap !important;
  }

  .bill-columns .bill-column .bill-list[data-view="list"] .history-row .bill-actions {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  }

  .bill-columns .bill-column .bill-list[data-view="list"] .history-row .bill-actions .delete-btn {
    grid-column: auto !important;
  }
}

/* Optional second-income controls */
.income-option-row{display:flex!important;align-items:center;gap:10px;width:100%;margin:16px 0 8px;padding:12px 14px;border:1px solid #253a58;border-radius:12px;background:#102039;color:#dbe7f7;cursor:pointer;box-sizing:border-box}
.income-option-row input[type="checkbox"]{width:18px!important;height:18px!important;min-width:18px;margin:0;accent-color:#8b5cf6;cursor:pointer}
.income-option-row span{line-height:1.35}
.second-income-fields{margin-top:4px;padding:14px;border:1px solid #253a58;border-radius:14px;background:rgba(16,32,57,.55)}
.suggestion-option-row{margin-top:14px;margin-bottom:6px;background:#0d1b30}
.field-help{margin:0 2px 4px;color:var(--muted);font-size:11px;line-height:1.45}


/* Optional second-paycheck controls */
#billPaycheckSourceField[hidden] { display: none !important; }
#billPaycheckSourceField { margin-top: 10px; }
.second-income-fields .field-help, #billPaycheckSourceField .field-help { margin-top: 6px; }


/* MoneyHub AI beta settings redesign — presentation only */
.settings-hero{align-items:flex-end;gap:20px}
.beta-version{display:inline-flex;align-items:center;white-space:nowrap;padding:8px 12px;border:1px solid #2c4262;border-radius:999px;background:#102039;color:#aebfd6;font-size:12px;font-weight:800}
.settings-dashboard{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.settings-wide{grid-column:1/-1}
.settings-section{padding:20px;min-width:0}
.settings-section-head{display:flex;align-items:flex-start;gap:12px;margin-bottom:16px}
.settings-section-head>div:nth-child(2){min-width:0;flex:1}
.settings-section-head h2{margin:0 0 4px;font-size:20px}
.settings-section-head p{margin:0;color:var(--muted);font-size:13px;line-height:1.45}
.settings-icon{display:grid;place-items:center;width:42px;height:42px;flex:0 0 42px;border-radius:13px;background:linear-gradient(145deg,#22395a,#172a45);border:1px solid #314b6e;font-size:20px}
.settings-status{display:inline-flex;align-items:center;justify-content:center;white-space:nowrap;padding:6px 9px;border-radius:999px;background:#22324a;color:#aebfd6;font-size:11px;font-weight:800}
.settings-status.positive{background:rgba(34,197,94,.12);color:#6ee7a0;border:1px solid rgba(34,197,94,.22)}
.settings-rows{display:grid;border:1px solid #283f5e;border-radius:13px;overflow:hidden;background:#0d1b2e}
.settings-row{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:13px 14px;border-bottom:1px solid #223754;font-size:13px}
.settings-row:last-child{border-bottom:0}
.settings-row span:first-child{color:#9fb0c8}
.settings-row strong{color:#f7faff;text-align:right;overflow-wrap:anywhere}
.muted-row,.disabled-settings-list{opacity:.7}
.compact-settings-btn{width:auto;min-width:150px;margin-top:14px}
.cloud-summary-box{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px;border:1px solid #2a405f;border-radius:14px;background:#0d1b2e;margin-bottom:14px}
.cloud-summary-box>div{display:grid;gap:5px;min-width:0}
.cloud-summary-box span{color:#9fb0c8;font-size:12px}
.cloud-summary-box strong{font-size:14px;overflow-wrap:anywhere}
.cloud-summary-box .compact-settings-btn{margin:0;flex:0 0 auto}
.backup-actions-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.backup-action-box{display:flex;flex-direction:column;justify-content:space-between;gap:14px;min-width:0;padding:16px;border:1px solid #2a405f;border-radius:14px;background:#102039}
.backup-action-box h3{margin:8px 0 5px;font-size:16px}
.backup-action-box p{margin:0;color:var(--muted);font-size:12px;line-height:1.5}
.backup-mini-icon{font-size:24px}
.backup-action-box button{width:100%;margin:0}
.settings-file-input{width:100%;box-sizing:border-box;padding:11px;border:1px solid #304a6d;border-radius:11px;background:#0b182a;color:#fff}
.privacy-actions{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:4px}
.privacy-actions span{color:#899cb6;font-size:12px}
.danger-outline{border-color:rgba(248,113,113,.45)!important;color:#fecaca!important;background:rgba(127,29,29,.12)!important}
@media(max-width:760px){
  .settings-hero{align-items:flex-start!important}.beta-version{margin-top:4px}
  .settings-dashboard{grid-template-columns:1fr!important;gap:12px!important}
  .settings-wide{grid-column:auto!important}
  .settings-section{padding:16px!important}
  .settings-section-head{gap:10px}.settings-section-head h2{font-size:18px!important}
  .settings-status{font-size:10px;padding:5px 7px}
  .settings-row{align-items:flex-start;padding:12px;gap:10px}
  .settings-row strong{max-width:60%}
  .cloud-summary-box{align-items:stretch;flex-direction:column}
  .cloud-summary-box .compact-settings-btn,.compact-settings-btn{width:100%;margin-top:0}
  .backup-actions-grid{grid-template-columns:1fr}
  .privacy-actions{align-items:stretch;flex-direction:column;text-align:center}
  .privacy-actions button{width:100%}
}

/* MoneyHub AI reusable toast notifications */
.toast-container{position:fixed;top:20px;right:20px;z-index:10000;display:flex;flex-direction:column;gap:10px;width:min(360px,calc(100vw - 32px));pointer-events:none}
.moneyhub-toast{display:grid;grid-template-columns:34px minmax(0,1fr) 28px;align-items:center;gap:10px;min-height:58px;padding:11px 12px;border:1px solid #314866;border-radius:15px;background:rgba(12,26,45,.97);box-shadow:0 18px 45px rgba(0,0,0,.32);color:#f8fbff;opacity:0;transform:translateX(24px) scale(.98);transition:opacity .2s ease,transform .2s ease,border-color .2s ease;pointer-events:auto;backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px)}
.moneyhub-toast.toast-visible{opacity:1;transform:translateX(0) scale(1)}
.moneyhub-toast.toast-leaving{opacity:0;transform:translateX(18px) scale(.98)}
.toast-icon{display:grid;place-items:center;width:32px;height:32px;border-radius:10px;font-size:17px;font-weight:900;background:#203652;color:#dce9f8}
.toast-message{font-size:13px;font-weight:800;line-height:1.35;overflow-wrap:anywhere}
.toast-close{display:grid;place-items:center;width:28px;height:28px;padding:0;border:0;border-radius:8px;background:transparent;color:#91a4bc;font-size:20px;line-height:1;cursor:pointer}
.toast-close:hover{background:#213651;color:#fff}
.toast-success{border-color:rgba(34,197,94,.4)}.toast-success .toast-icon{background:rgba(34,197,94,.16);color:#74e8a2}
.toast-info{border-color:rgba(59,130,246,.42)}.toast-info .toast-icon{background:rgba(59,130,246,.16);color:#8dbbff}
.toast-warning{border-color:rgba(245,158,11,.45)}.toast-warning .toast-icon{background:rgba(245,158,11,.16);color:#ffd27a}
.toast-error{border-color:rgba(239,68,68,.45)}.toast-error .toast-icon{background:rgba(239,68,68,.16);color:#ff9a9a}
@media(max-width:600px){.toast-container{top:12px;right:12px;left:12px;width:auto}.moneyhub-toast{min-height:54px;padding:10px;border-radius:13px}}
@media(prefers-reduced-motion:reduce){.moneyhub-toast{transition:none}}


/* MoneyHub AI Update 4: polished empty states */
.empty-state-rich{
  grid-column:1/-1;
  width:100%;
  min-height:210px;
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding:34px 22px;
  background:linear-gradient(180deg,rgba(18,31,52,.72),rgba(10,20,36,.48));
}
.empty-state-rich.compact{min-height:170px}
.empty-state-rich .empty-state-icon{font-size:38px;line-height:1;filter:drop-shadow(0 8px 14px rgba(0,0,0,.25))}
.empty-state-rich h3{margin:2px 0 0;color:var(--text);font-size:17px}
.empty-state-rich p{max-width:460px;margin:0;line-height:1.55;font-size:12px;color:var(--muted)}
.empty-state-rich .empty-state-action{margin-top:8px;min-width:150px}
.feedback-coming-soon{position:relative;text-align:center}
.coming-soon-badge{display:inline-flex;align-items:center;justify-content:center;margin-bottom:8px;padding:5px 9px;border:1px solid rgba(139,92,246,.45);border-radius:999px;background:rgba(139,92,246,.12);color:#c4b5fd;font-size:10px;font-weight:800;letter-spacing:.08em}
.feedback-coming-soon .primary-btn:disabled{cursor:not-allowed;opacity:.55;filter:saturate(.65)}
@media (max-width:700px){.empty-state-rich{min-height:190px;padding:28px 16px}.empty-state-rich .empty-state-icon{font-size:34px}}


/* ===== Update 5: first-time onboarding ===== */
body.onboarding-open { overflow: hidden; }
.onboarding-overlay {
  position: fixed; inset: 0; z-index: 10050; padding: 24px;
  display: grid; place-items: center;
  background: rgba(4, 7, 18, .78);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
}
.onboarding-overlay[hidden] { display: none !important; }
.onboarding-card {
  width: min(560px, 100%); max-height: min(760px, calc(100vh - 32px)); overflow: auto;
  border: 1px solid rgba(139, 92, 246, .38); border-radius: 28px;
  padding: 30px; color: #f8fafc;
  background: radial-gradient(circle at top right, rgba(124, 58, 237, .24), transparent 42%), #111629;
  box-shadow: 0 28px 90px rgba(0,0,0,.48);
}
.onboarding-progress { display: flex; gap: 8px; margin-bottom: 28px; }
.onboarding-progress span { height: 5px; flex: 1; border-radius: 99px; background: rgba(255,255,255,.12); transition: .25s ease; }
.onboarding-progress span.active { background: linear-gradient(90deg, #8b5cf6, #a78bfa); }
.onboarding-step { display: none; text-align: center; animation: onboardingIn .26s ease; }
.onboarding-step.active { display: block; }
.onboarding-illustration {
  width: 86px; height: 86px; margin: 4px auto 20px; display: grid; place-items: center;
  border-radius: 25px; font-size: 42px; background: rgba(139,92,246,.14); border: 1px solid rgba(167,139,250,.28);
}
.onboarding-kicker { margin: 0 0 8px !important; color: #a78bfa !important; font-size: 12px; font-weight: 800; letter-spacing: .13em; }
.onboarding-step h2 { margin: 0 0 12px; font-size: clamp(25px, 5vw, 35px); line-height: 1.12; }
.onboarding-step > p:not(.onboarding-kicker) { max-width: 470px; margin: 0 auto 22px; color: #aeb7ca; line-height: 1.65; }
.onboarding-preview-list { display: grid; gap: 10px; max-width: 390px; margin: 22px auto 8px; text-align: left; }
.onboarding-preview-list span, .onboarding-safe-note { padding: 13px 15px; border-radius: 14px; background: rgba(255,255,255,.055); border: 1px solid rgba(255,255,255,.08); }
.onboarding-action-btn {
  display: block; width: min(310px, 100%); margin: 6px auto 12px; padding: 14px 18px;
  border: 1px solid rgba(167,139,250,.42); border-radius: 14px; color: white; cursor: pointer; font-weight: 800;
  background: rgba(139,92,246,.18); transition: transform .18s ease, background .18s ease;
}
.onboarding-action-btn:hover { transform: translateY(-1px); background: rgba(139,92,246,.28); }
.onboarding-step small { display: block; color: #7f8ba3; line-height: 1.5; }
.onboarding-safe-note { max-width: 450px; margin: 4px auto 0; color: #b9c3d6; line-height: 1.55; text-align: left; }
.onboarding-footer { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-top: 30px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.08); }
.onboarding-nav-actions { display: flex; gap: 10px; margin-left: auto; }
.onboarding-skip { border: 0; background: transparent; color: #8f9ab0; cursor: pointer; padding: 10px 4px; }
.onboarding-skip:hover { color: #fff; }
@keyframes onboardingIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
@media (max-width: 600px) {
  .onboarding-overlay { padding: 12px; align-items: end; }
  .onboarding-card { padding: 24px 18px 20px; border-radius: 25px 25px 18px 18px; max-height: calc(100vh - 18px); }
  .onboarding-footer { align-items: stretch; flex-direction: column-reverse; }
  .onboarding-nav-actions { width: 100%; margin: 0; }
  .onboarding-nav-actions button { flex: 1; }
  .onboarding-skip { width: 100%; }
}


/* MoneyHub AI Update 6 — Dashboard Polish */
#monthlyBillsPage .top-grid > .metric-card {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  transition: transform .22s ease, border-color .22s ease, box-shadow .22s ease;
  animation: moneyhub-dashboard-enter .48s both;
}
#monthlyBillsPage .top-grid > .metric-card:nth-child(2) { animation-delay: 55ms; }
#monthlyBillsPage .top-grid > .metric-card:nth-child(3) { animation-delay: 110ms; }
#monthlyBillsPage .top-grid > .metric-card:nth-child(4) { animation-delay: 165ms; }
#monthlyBillsPage .top-grid > .metric-card::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  opacity: 0;
  background: radial-gradient(circle at 75% 15%, rgba(139,92,246,.12), transparent 45%);
  transition: opacity .22s ease;
}
#monthlyBillsPage .top-grid > .metric-card:hover {
  transform: translateY(-4px);
  border-color: #496387;
  box-shadow: 0 22px 45px rgba(0,0,0,.3);
}
#monthlyBillsPage .top-grid > .metric-card:hover::after { opacity: 1; }
#monthlyBillsPage .top-grid > .safe-card {
  border-color: rgba(34,197,94,.42);
  box-shadow: 0 18px 42px rgba(0,0,0,.24), 0 0 0 1px rgba(34,197,94,.05) inset;
}
#monthlyBillsPage .top-grid > .safe-card::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 3px;
  background: linear-gradient(180deg, #22c55e, #8b5cf6);
}
#monthlyBillsPage .metric-value,
#monthlyBillsPage .paycheck-grid strong,
#monthlyBillsPage .monthly-progress-grid strong {
  font-variant-numeric: tabular-nums;
}
#monthlyBillsPage .panel {
  transition: border-color .2s ease, box-shadow .2s ease;
}
#monthlyBillsPage .panel:hover { border-color: #344d70; }
#monthlyBillsPage button { transition: transform .16s ease, filter .16s ease, background-color .16s ease, border-color .16s ease; }
#monthlyBillsPage button:not(:disabled):active { transform: scale(.97); }
#monthlyBillsPage .bill-card,
#monthlyBillsPage .bill-list-row { transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease; }
#monthlyBillsPage .bill-card:hover,
#monthlyBillsPage .bill-list-row:hover { box-shadow: 0 12px 25px rgba(0,0,0,.18); }
@keyframes moneyhub-dashboard-enter {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}
@media (max-width: 760px) {
  #monthlyBillsPage .top-grid { gap: 12px; }
  #monthlyBillsPage .top-grid > .metric-card { min-height: auto; padding: 16px; }
  #monthlyBillsPage .top-grid > .metric-card:hover { transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  #monthlyBillsPage .top-grid > .metric-card { animation: none; transition: none; }
  #monthlyBillsPage .top-grid > .metric-card::after,
  #monthlyBillsPage .panel,
  #monthlyBillsPage button,
  #monthlyBillsPage .bill-card,
  #monthlyBillsPage .bill-list-row { transition: none; }
}

/* MoneyHub AI Update 7 — Mobile Polish (CSS-only safety pass) */
@media (max-width: 760px) {
  html, body {
    max-width: 100%;
    overflow-x: hidden;
    -webkit-text-size-adjust: 100%;
  }

  body {
    min-height: 100svh;
    overscroll-behavior-x: none;
  }

  .app-shell,
  .main,
  main,
  .page,
  .page-content,
  .content,
  .panel,
  .metric-card,
  .bill-columns,
  .bill-column,
  .bill-list,
  .settings-grid,
  .savings-grid,
  .savings-summary {
    min-width: 0;
    max-width: 100%;
    box-sizing: border-box;
  }

  .main,
  main,
  .page,
  .page-content,
  .content {
    padding-left: 12px;
    padding-right: 12px;
  }

  .panel,
  .metric-card,
  .settings-card,
  .feedback-card,
  .saving-card {
    border-radius: 16px;
  }

  .panel-header,
  .metric-head,
  .saving-head,
  .modal-head {
    min-width: 0;
  }

  .panel-header h2,
  .panel-header h3,
  .metric-label,
  .saving-head h3,
  .bill-card strong,
  .bill-list-row strong {
    overflow-wrap: anywhere;
  }

  button,
  .action-btn,
  .nav-item,
  .tiny-btn,
  input[type="button"],
  input[type="submit"] {
    min-height: 44px;
    touch-action: manipulation;
    -webkit-tap-highlight-color: transparent;
  }

  input,
  select,
  textarea {
    max-width: 100%;
    min-height: 44px;
    box-sizing: border-box;
    font-size: 16px;
  }

  textarea {
    min-height: 104px;
    resize: vertical;
  }

  .top-grid,
  .settings-grid,
  .savings-grid,
  .savings-summary {
    gap: 12px;
  }

  #monthlyBillsPage .top-grid > .metric-card {
    padding: 16px;
  }

  #monthlyBillsPage .metric-value {
    line-height: 1.1;
    overflow-wrap: anywhere;
  }

  .bill-card,
  .bill-list-row,
  .timeline-items .bill-list-row {
    width: 100%;
    min-width: 0;
    overflow: hidden;
  }

  .bill-list-row .bill-actions,
  .bill-card .bill-actions,
  .saving-actions,
  .modal-actions {
    gap: 8px;
  }

  .bill-list-row .bill-actions .action-btn,
  .bill-card .bill-actions .action-btn {
    min-height: 44px !important;
    line-height: 1.15;
  }

  .mobile-bottom-nav {
    padding-bottom: max(8px, env(safe-area-inset-bottom));
  }

  .mobile-fab {
    bottom: calc(88px + max(8px, env(safe-area-inset-bottom))) !important;
  }

  .modal-card {
    max-width: 100%;
    max-height: calc(100svh - 8px);
    padding-bottom: calc(96px + env(safe-area-inset-bottom));
    -webkit-overflow-scrolling: touch;
  }

  .modal-actions {
    padding-bottom: calc(13px + env(safe-area-inset-bottom));
  }

  .mobile-card-toggle,
  .mobile-panel-toggle {
    min-width: 44px;
    min-height: 44px;
  }

  .mobile-panel-collapsed,
  .metric-card.mobile-collapsed,
  .paycheck-card.mobile-collapsed,
  .paycheck-card.paycheck-collapsed {
    overflow: visible;
  }

  img,
  svg,
  canvas {
    max-width: 100%;
    height: auto;
  }
}

@media (max-width: 390px) {
  .main,
  main,
  .page,
  .page-content,
  .content {
    padding-left: 10px;
    padding-right: 10px;
  }

  .panel,
  .metric-card,
  .settings-card,
  .feedback-card,
  .saving-card {
    padding-left: 13px;
    padding-right: 13px;
  }

  .bill-list-row .bill-actions,
  .bill-card .bill-actions {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  }

  .mobile-bottom-nav a,
  .mobile-bottom-nav button {
    min-width: 0;
  }
}


/* ===== MoneyHub AI Beta v0.9.1: UX Polish Pack ===== */
.info-tip {
  display: inline-grid;
  place-items: center;
  width: 18px;
  height: 18px;
  min-width: 18px;
  margin-left: 5px;
  padding: 0;
  border: 1px solid rgba(148, 163, 184, 0.45);
  border-radius: 999px;
  background: rgba(15, 23, 42, 0.72);
  color: #cbd5e1;
  font: 800 11px/1 system-ui, sans-serif;
  vertical-align: 1px;
  cursor: help;
  transition: border-color 160ms ease, background 160ms ease, color 160ms ease, transform 160ms ease;
}
.info-tip:hover,
.info-tip:focus-visible,
.info-tip[aria-expanded="true"] {
  border-color: rgba(139, 92, 246, 0.9);
  background: rgba(124, 58, 237, 0.22);
  color: #fff;
  transform: translateY(-1px);
}
.moneyhub-tooltip {
  position: fixed;
  z-index: 10050;
  width: min(300px, calc(100vw - 24px));
  padding: 11px 13px;
  border: 1px solid rgba(139, 92, 246, 0.55);
  border-radius: 11px;
  background: #111f35;
  box-shadow: 0 14px 35px rgba(0, 0, 0, 0.38);
  color: #e5edf8;
  font-size: 12px;
  font-weight: 600;
  line-height: 1.45;
  text-align: left;
  pointer-events: none;
  animation: tooltipIn 140ms ease-out both;
}
.moneyhub-tooltip::before {
  content: "";
  position: absolute;
  top: -5px;
  left: 50%;
  width: 9px;
  height: 9px;
  border-top: 1px solid rgba(139, 92, 246, 0.55);
  border-left: 1px solid rgba(139, 92, 246, 0.55);
  background: #111f35;
  transform: translateX(-50%) rotate(45deg);
}
.moneyhub-tooltip.tooltip-above::before {
  top: auto;
  bottom: -5px;
  transform: translateX(-50%) rotate(225deg);
}
@keyframes tooltipIn {
  from { opacity: 0; transform: translateY(-3px) scale(0.98); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
.release-overlay {
  position: fixed;
  inset: 0;
  z-index: 10040;
  display: grid;
  place-items: center;
  padding: 18px;
  background: rgba(2, 8, 20, 0.76);
  backdrop-filter: blur(8px);
}
.release-overlay[hidden] { display: none !important; }
body.release-open { overflow: hidden; }
.release-card {
  width: min(510px, 100%);
  max-height: calc(100svh - 36px);
  overflow: auto;
  padding: 27px;
  border: 1px solid rgba(139, 92, 246, 0.55);
  border-radius: 20px;
  background: linear-gradient(145deg, #14243d, #0d1a2e);
  box-shadow: 0 28px 80px rgba(0, 0, 0, 0.52);
  text-align: center;
  animation: releaseCardIn 220ms ease-out both;
}
.release-icon {
  display: grid;
  place-items: center;
  width: 58px;
  height: 58px;
  margin: 0 auto 12px;
  border: 1px solid rgba(139, 92, 246, 0.55);
  border-radius: 18px;
  background: rgba(124, 58, 237, 0.18);
  font-size: 28px;
}
.release-kicker {
  margin: 0 0 7px;
  color: #a78bfa;
  font-size: 11px;
  font-weight: 900;
  letter-spacing: 0.12em;
}
.release-card h2 {
  margin: 0;
  font-size: clamp(22px, 4vw, 30px);
}
.release-intro {
  max-width: 440px;
  margin: 10px auto 18px;
  color: #aebdd0;
  line-height: 1.55;
}
.release-list {
  display: grid;
  gap: 9px;
  margin: 0 0 20px;
  padding: 0;
  list-style: none;
  text-align: left;
}
.release-list li {
  display: grid;
  grid-template-columns: 36px minmax(0, 1fr);
  gap: 11px;
  align-items: center;
  padding: 11px 12px;
  border: 1px solid rgba(99, 130, 169, 0.32);
  border-radius: 12px;
  background: rgba(8, 20, 38, 0.62);
}
.release-list li > span {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: rgba(34, 197, 94, 0.12);
  font-weight: 900;
}
.release-list strong,
.release-list small { display: block; }
.release-list small {
  margin-top: 3px;
  color: #93a7bf;
  line-height: 1.35;
}
.release-dismiss { width: 100%; }
@keyframes releaseCardIn {
  from { opacity: 0; transform: translateY(10px) scale(0.98); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
@media (max-width: 600px) {
  .info-tip {
    width: 22px;
    height: 22px;
    min-width: 22px;
    font-size: 12px;
  }
  .release-overlay {
    align-items: end;
    padding: 10px;
    padding-bottom: max(10px, env(safe-area-inset-bottom));
  }
  .release-card {
    width: 100%;
    max-height: calc(100svh - 20px - env(safe-area-inset-bottom));
    padding: 22px 17px 18px;
    border-radius: 20px 20px 14px 14px;
  }
}
@media (prefers-reduced-motion: reduce) {
  .moneyhub-tooltip,
  .release-card { animation: none; }
}


/* MoneyHub AI Update 9: Intelligence Pack */
.ai-welcome-state {
  display: grid;
  grid-template-columns: 42px minmax(0, 1fr);
  gap: 12px;
  align-items: start;
}
.ai-welcome-icon {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border: 1px solid rgba(96, 165, 250, 0.35);
  border-radius: 12px;
  background: rgba(59, 130, 246, 0.12);
  font-size: 20px;
}
.ai-welcome-state strong { display: block; margin-bottom: 5px; font-size: 15px; }
.ai-welcome-state p { margin: 0; color: #9fb0c5; line-height: 1.5; }
.ai-welcome-suggestions { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 12px; }
.ai-welcome-suggestions button {
  min-height: 34px;
  padding: 7px 10px;
  border: 1px solid rgba(96, 165, 250, 0.34);
  border-radius: 999px;
  background: rgba(8, 24, 45, 0.72);
  color: #dcecff;
  font: inherit;
  font-size: 11px;
  font-weight: 800;
  cursor: pointer;
}
.ai-welcome-suggestions button:hover { transform: translateY(-1px); border-color: rgba(139, 92, 246, 0.7); }
.ai-thinking { display: flex; align-items: center; gap: 5px; color: #a9bad0; font-weight: 800; }
.ai-thinking span { width: 6px; height: 6px; border-radius: 50%; background: #60a5fa; animation: mhAiThinking 900ms ease-in-out infinite; }
.ai-thinking span:nth-child(2) { animation-delay: 120ms; }
.ai-thinking span:nth-child(3) { animation-delay: 240ms; }
@keyframes mhAiThinking { 0%, 70%, 100% { opacity: .35; transform: translateY(0); } 35% { opacity: 1; transform: translateY(-3px); } }
#billRatioMessage strong { color: #eaf4ff; }
@media (max-width: 600px) {
  .ai-welcome-state { grid-template-columns: 1fr; }
  .ai-welcome-icon { width: 36px; height: 36px; }
  .ai-welcome-suggestions { display: grid; }
  .ai-welcome-suggestions button { width: 100%; min-height: 44px; text-align: left; }
}
@media (prefers-reduced-motion: reduce) {
  .ai-thinking span { animation: none; }
  .ai-welcome-suggestions button:hover { transform: none; }
}


/* ===== Update 10: Activity Timeline ===== */
.activity-summary-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-bottom:18px}.activity-latest-value{font-size:1.35rem;font-weight:800;margin-top:10px}.activity-private-badge{display:inline-flex;align-items:center;padding:7px 11px;border-radius:999px;background:rgba(124,92,255,.12);color:#b8a8ff;font-size:.78rem;font-weight:800}.activity-panel{min-height:390px}.activity-timeline{display:grid;gap:22px}.activity-day-group{display:grid;grid-template-columns:110px minmax(0,1fr);gap:18px;align-items:start}.activity-day-label{position:sticky;top:14px}.activity-day-label strong{display:block;font-size:.95rem}.activity-day-label small{display:block;color:var(--muted);margin-top:3px}.activity-day-items{position:relative;display:grid;gap:10px}.activity-day-items:before{content:"";position:absolute;left:20px;top:18px;bottom:18px;width:2px;background:rgba(148,163,184,.16)}.activity-item{position:relative;display:grid;grid-template-columns:42px minmax(0,1fr) auto;gap:12px;align-items:center;padding:13px 14px;border:1px solid var(--border);border-radius:16px;background:rgba(255,255,255,.025)}.activity-icon{z-index:1;display:grid;place-items:center;width:42px;height:42px;border-radius:13px;background:rgba(124,92,255,.14);font-size:1.05rem}.activity-copy strong{display:block}.activity-copy small{display:block;color:var(--muted);margin-top:3px}.activity-time{color:var(--muted);font-size:.78rem;white-space:nowrap}.activity-empty{padding:48px 20px;text-align:center}.activity-empty .empty-state-icon{font-size:2rem}.activity-empty h3{margin:12px 0 6px}.activity-empty p{color:var(--muted);max-width:520px;margin:0 auto}.activity-item.type-bill .activity-icon{background:rgba(59,130,246,.14)}.activity-item.type-debt .activity-icon{background:rgba(239,68,68,.13)}.activity-item.type-savings .activity-icon{background:rgba(34,197,94,.13)}.activity-item.type-task .activity-icon{background:rgba(245,158,11,.14)}.activity-item.type-backup .activity-icon{background:rgba(168,85,247,.14)}
@media(max-width:760px){.activity-summary-grid{grid-template-columns:1fr}.activity-day-group{grid-template-columns:1fr;gap:8px}.activity-day-label{position:static}.activity-day-items:before{left:19px}.activity-item{grid-template-columns:40px minmax(0,1fr);padding:12px}.activity-time{grid-column:2;margin-top:-5px}.activity-private-badge{display:none}}

/* ===== Update 11: Safe Dashboard Preferences ===== */
.dashboard-preference-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:16px}.dashboard-preference-option{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:15px 16px;border:1px solid var(--border);border-radius:16px;background:rgba(255,255,255,.025);cursor:pointer;transition:border-color .18s ease,transform .18s ease,background .18s ease}.dashboard-preference-option:hover{transform:translateY(-1px);border-color:rgba(124,92,255,.45);background:rgba(124,92,255,.055)}.dashboard-preference-option span{display:grid;gap:4px}.dashboard-preference-option strong{font-size:.94rem}.dashboard-preference-option small{color:var(--muted);line-height:1.4}.dashboard-preference-option input{appearance:none;width:46px;height:26px;min-width:46px;border-radius:999px;background:rgba(148,163,184,.24);position:relative;cursor:pointer;transition:background .18s ease}.dashboard-preference-option input:before{content:"";position:absolute;width:20px;height:20px;left:3px;top:3px;border-radius:50%;background:#fff;box-shadow:0 2px 8px rgba(0,0,0,.28);transition:transform .18s ease}.dashboard-preference-option input:checked{background:linear-gradient(135deg,#7c5cff,#3b82f6)}.dashboard-preference-option input:checked:before{transform:translateX(20px)}.dashboard-preference-option input:focus-visible{outline:3px solid rgba(96,165,250,.35);outline-offset:3px}.dashboard-preference-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}.dashboard-widget-hidden{display:none!important}.right-stack.dashboard-single-panel{grid-template-rows:auto}.right-stack.dashboard-empty{display:none}
@media(max-width:760px){.dashboard-preference-grid{grid-template-columns:1fr}.dashboard-preference-option{min-height:68px}.dashboard-preference-actions .secondary-btn{flex:1}}
@media(prefers-reduced-motion:reduce){.dashboard-preference-option,.dashboard-preference-option input,.dashboard-preference-option input:before{transition:none}.dashboard-preference-option:hover{transform:none}}


/* MoneyHub AI 12D — full assistant conversation */
.ai-input-row{grid-template-columns:minmax(0,1fr) auto auto}
.ai-new-chat-btn{white-space:nowrap}
.global-ai-answer{max-height:520px;overflow:auto;padding:14px}
.ai-conversation{display:grid;gap:12px}
.ai-message{display:grid;gap:5px;max-width:88%}
.ai-message>span{font-size:9px;font-weight:900;letter-spacing:.04em;text-transform:uppercase;color:#8fa0b7}
.ai-message>div{border:1px solid #2b4262;border-radius:14px;padding:11px 12px;line-height:1.55;font-size:12px;background:#102039;overflow-wrap:anywhere}
.ai-message.user{margin-left:auto;justify-items:end}
.ai-message.user>div{background:#213b69;border-color:#3d5f91;color:#eef6ff}
.ai-message.assistant{margin-right:auto}
.ai-message code{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.1);border-radius:5px;padding:1px 4px;font-size:.92em}
.ai-message .ai-thinking{padding:0;border:0;background:transparent}
.ai-message .ai-thinking i{width:6px;height:6px;border-radius:50%;background:#60a5fa;animation:mhAiThinking 900ms ease-in-out infinite}
.ai-message .ai-thinking i:nth-child(2){animation-delay:120ms}.ai-message .ai-thinking i:nth-child(3){animation-delay:240ms}
[data-theme="light"] .ai-message.assistant>div{background:#f4f7fb;color:#334155;border-color:#d6e0eb}
[data-theme="light"] .ai-message.user>div{background:#e4edff;color:#18335f;border-color:#b9cbee}
@media(max-width:700px){.ai-input-row{grid-template-columns:1fr auto}.ai-new-chat-btn{grid-column:1/-1}.ai-message{max-width:96%}.global-ai-answer{max-height:440px}}
@media(prefers-reduced-motion:reduce){.ai-message .ai-thinking i{animation:none}}


/* ===== Update 13A: AI Daily Brief ===== */
.ai-daily-brief{position:relative;overflow:hidden;margin-bottom:18px;padding:20px;border:1px solid rgba(96,165,250,.28);border-radius:22px;background:linear-gradient(135deg,rgba(29,78,216,.18),rgba(124,92,255,.12) 48%,rgba(15,23,42,.88));box-shadow:0 18px 46px rgba(2,8,23,.22)}
.ai-daily-brief:before{content:"";position:absolute;inset:-120px auto auto -90px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(96,165,250,.19),transparent 68%);pointer-events:none}
.ai-daily-brief-head{position:relative;display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:18px}
.ai-daily-brand{display:flex;align-items:center;gap:13px}.ai-daily-icon{display:grid;place-items:center;width:50px;height:50px;min-width:50px;border-radius:16px;background:linear-gradient(135deg,#2563eb,#7c3aed);box-shadow:0 10px 24px rgba(37,99,235,.28);font-size:1.4rem}.ai-daily-brand .eyebrow{margin:0 0 3px;color:#93c5fd}.ai-daily-brand h2{margin:0;font-size:1.18rem}.ai-daily-greeting{margin:4px 0 0;color:var(--muted);font-size:.88rem}
.ai-daily-refresh{position:relative;white-space:nowrap}.ai-daily-refresh.is-loading{pointer-events:none;opacity:.72}.ai-daily-refresh.is-loading::first-letter{display:inline-block;animation:mhDailySpin .8s linear infinite}@keyframes mhDailySpin{to{transform:rotate(360deg)}}
.ai-daily-metrics{position:relative;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px}.ai-daily-metric{min-width:0;padding:13px;border:1px solid rgba(148,163,184,.16);border-radius:16px;background:rgba(8,18,35,.46)}.ai-daily-metric span,.ai-daily-metric small{display:block}.ai-daily-metric span{color:#a9b9ce;font-size:.72rem;font-weight:800}.ai-daily-metric strong{display:block;margin:7px 0 4px;font-size:1.08rem;overflow-wrap:anywhere}.ai-daily-metric small{color:var(--muted);font-size:.69rem;line-height:1.35}
.ai-daily-insight-wrap{position:relative;margin-top:12px;padding:14px 15px;border:1px solid rgba(124,92,255,.23);border-radius:16px;background:rgba(9,18,34,.58)}.ai-daily-insight-label{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:7px}.ai-daily-insight-label span{font-size:.76rem;font-weight:900;color:#c4b5fd}.ai-daily-insight-label small{color:var(--muted);font-size:.67rem}.ai-daily-insight{line-height:1.55;font-size:.9rem;color:#e6edf7}.ai-daily-insight.is-loading{color:var(--muted)}
[data-theme="light"] .ai-daily-brief{background:linear-gradient(135deg,#eff6ff,#f5f3ff 55%,#fff);border-color:#bfd7ff;box-shadow:0 18px 42px rgba(30,64,175,.1)}[data-theme="light"] .ai-daily-metric{background:rgba(255,255,255,.68);border-color:#dbe7f5}[data-theme="light"] .ai-daily-insight-wrap{background:rgba(255,255,255,.72);border-color:#ddd6fe}[data-theme="light"] .ai-daily-insight{color:#24344d}
@media(max-width:1050px){.ai-daily-metrics{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:700px){.ai-daily-brief{padding:16px;border-radius:18px}.ai-daily-brief-head{display:grid}.ai-daily-refresh{width:100%}.ai-daily-metrics{grid-template-columns:repeat(2,minmax(0,1fr))}.ai-daily-metric:last-child{grid-column:1/-1}.ai-daily-insight-label{align-items:flex-start;flex-direction:column;gap:3px}}
@media(max-width:430px){.ai-daily-metrics{grid-template-columns:1fr}.ai-daily-metric:last-child{grid-column:auto}.ai-daily-brand{align-items:flex-start}.ai-daily-icon{width:44px;height:44px;min-width:44px;border-radius:14px}}
@media(prefers-reduced-motion:reduce){.ai-daily-refresh.is-loading::first-letter{animation:none}}


/* MoneyHub AI Update 13B — Explain Every Card */
.metric-label-with-action{display:flex;align-items:center;justify-content:space-between;gap:8px}
.metric-label-with-action>span{min-width:0}
.ai-explain-btn{border:1px solid rgba(139,92,246,.42);background:rgba(139,92,246,.12);color:#d9c8ff;border-radius:999px;padding:6px 9px;font-size:9px;font-weight:900;letter-spacing:.01em;white-space:nowrap;cursor:pointer;transition:transform .16s ease,border-color .16s ease,background .16s ease}
.ai-explain-btn:hover{transform:translateY(-1px);border-color:#a78bfa;background:rgba(139,92,246,.22)}
.ai-explain-btn:focus-visible{outline:3px solid rgba(167,139,250,.28);outline-offset:2px}
.ai-explain-modal-card{width:min(660px,100%)}
.ai-explain-snapshot{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:9px;margin:15px 0}
.ai-explain-snapshot>div{background:#0d1b2d;border:1px solid #263c59;border-radius:12px;padding:10px;min-width:0}
.ai-explain-snapshot span,.ai-explain-snapshot strong{display:block}
.ai-explain-snapshot span{color:var(--muted);font-size:9px;margin-bottom:5px}
.ai-explain-snapshot strong{font-size:14px;overflow:hidden;text-overflow:ellipsis}
.ai-explain-answer{min-height:150px;background:linear-gradient(145deg,#102039,#0d192b);border:1px solid #2d4567;border-radius:15px;padding:16px;font-size:13px;line-height:1.65;color:#e7edf7}
.ai-explain-answer p{margin:8px 0}
.ai-explain-thinking{min-height:116px;display:flex;align-items:center;justify-content:center;gap:6px;color:var(--muted)}
.ai-explain-thinking i{width:7px;height:7px;border-radius:50%;background:#a78bfa;animation:aiExplainPulse 1s infinite ease-in-out}
.ai-explain-thinking i:nth-child(2){animation-delay:.14s}.ai-explain-thinking i:nth-child(3){animation-delay:.28s}
@keyframes aiExplainPulse{0%,80%,100%{transform:scale(.65);opacity:.45}40%{transform:scale(1);opacity:1}}
.ai-explain-disclaimer{font-size:9px;line-height:1.5;color:var(--muted);margin:11px 2px 0}
.ai-explain-actions{grid-template-columns:1fr 1fr}
[data-theme="light"] .ai-explain-btn{color:#6135bd;background:#f1ebff;border-color:#c9b6f8}
[data-theme="light"] .ai-explain-snapshot>div,[data-theme="light"] .ai-explain-answer{background:#f7f9fc;color:#1e293b;border-color:#d7e0eb}
@media(max-width:760px){
  .ai-explain-btn{font-size:9px;padding:7px 9px}
  .ai-explain-snapshot{grid-template-columns:1fr 1fr}
  .ai-explain-answer{font-size:14px;min-height:180px}
  .ai-explain-modal-card .modal-title-row .eyebrow{font-size:9px}
}


/* ===== Update 13C: AI Spending Simulator ===== */
.spending-simulator{margin-bottom:18px;overflow:hidden;border-color:rgba(139,92,246,.42);background:linear-gradient(145deg,rgba(91,33,182,.16),rgba(15,23,42,.94) 42%,rgba(8,47,73,.2))}
.spending-simulator-head{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:18px}
.spending-simulator-head h2{margin:3px 0 7px;font-size:22px}.spending-simulator-head>div>p:last-child{margin:0;color:var(--muted);max-width:760px;line-height:1.55}
.spending-risk-badge{flex:0 0 auto;border:1px solid var(--border);border-radius:999px;padding:8px 12px;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.04em;background:#172033;color:var(--muted)}
.spending-risk-badge.is-low{background:rgba(16,185,129,.12);border-color:rgba(52,211,153,.45);color:#6ee7b7}.spending-risk-badge.is-moderate{background:rgba(245,158,11,.13);border-color:rgba(251,191,36,.48);color:#fcd34d}.spending-risk-badge.is-high{background:rgba(244,63,94,.13);border-color:rgba(251,113,133,.48);color:#fda4af}
.spending-simulator-form{display:grid;grid-template-columns:1.4fr .75fr .85fr auto;gap:12px;align-items:end}.spending-simulator-form label{display:grid;gap:7px}.spending-simulator-form label>span{font-size:11px;font-weight:850;color:var(--muted)}
.spending-simulator-form input,.spending-simulator-form select{width:100%;min-height:43px}.money-input-wrap{display:flex;align-items:center;border:1px solid var(--border);background:var(--input);border-radius:10px;overflow:hidden}.money-input-wrap>span{padding-left:12px;font-weight:900;color:var(--muted)}.money-input-wrap input{border:0!important;background:transparent!important;padding-left:5px!important;box-shadow:none!important}
.spending-run-btn{min-height:43px;white-space:nowrap}.spending-simulator-empty{margin-top:16px;padding:18px;border:1px dashed var(--border);border-radius:14px;text-align:center;color:var(--muted);font-weight:700;background:rgba(15,23,42,.34)}
.spending-simulator-results{margin-top:18px}.spending-impact-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}.spending-impact-grid>div{padding:14px;border:1px solid var(--border);border-radius:14px;background:rgba(15,23,42,.6)}.spending-impact-grid span,.spending-impact-grid small{display:block;color:var(--muted);font-size:10px;font-weight:750}.spending-impact-grid strong{display:block;margin:6px 0 2px;font-size:20px}.spending-impact-grid strong.negative{color:#fb7185}
.spending-impact-bar{height:9px;margin-top:16px;border-radius:999px;overflow:hidden;background:rgba(148,163,184,.15)}.spending-impact-bar>div{height:100%;width:0;border-radius:inherit;background:linear-gradient(90deg,#22d3ee,#8b5cf6,#f59e0b);transition:width .45s ease}.spending-impact-caption{margin:7px 0 14px;color:var(--muted);font-size:11px;line-height:1.45}
.spending-ai-recommendation{border:1px solid rgba(139,92,246,.35);border-radius:15px;background:rgba(30,27,75,.25);overflow:hidden}.spending-ai-label{display:flex;justify-content:space-between;gap:12px;padding:11px 14px;border-bottom:1px solid rgba(139,92,246,.25);font-size:11px;font-weight:900}.spending-ai-label small{color:var(--muted);font-weight:700}.spending-ai-answer{padding:15px;line-height:1.65;min-height:72px;white-space:pre-wrap}.spending-simulator-actions{display:flex;gap:9px;justify-content:flex-end;margin-top:12px}
.spending-thinking{display:flex;align-items:center;gap:6px;color:var(--muted);font-weight:750}.spending-thinking i{width:7px;height:7px;border-radius:50%;background:#a78bfa;animation:spendingThink 1s infinite ease-in-out}.spending-thinking i:nth-child(2){animation-delay:.15s}.spending-thinking i:nth-child(3){animation-delay:.3s}.spending-thinking span{margin-left:4px}@keyframes spendingThink{0%,80%,100%{transform:scale(.65);opacity:.45}40%{transform:scale(1);opacity:1}}
body.light-mode .spending-simulator{background:linear-gradient(145deg,#f5f3ff,#fff 50%,#ecfeff)}body.light-mode .spending-impact-grid>div,body.light-mode .spending-simulator-empty{background:rgba(255,255,255,.78)}body.light-mode .spending-ai-recommendation{background:#faf5ff}
@media(max-width:980px){.spending-simulator-form{grid-template-columns:1fr 1fr}.spending-run-btn{width:100%}.spending-impact-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.spending-simulator-head{display:grid}.spending-risk-badge{justify-self:start}.spending-simulator-form,.spending-impact-grid{grid-template-columns:1fr}.spending-simulator-actions{display:grid}.spending-ai-label{display:grid}.spending-simulator{padding:15px}}

/* ===== Update 13D: AI Debt Coach ===== */
.debt-coach-panel{overflow:hidden}.debt-coach-header{align-items:flex-start}.debt-coach-status{padding:.35rem .65rem;border-radius:999px;background:rgba(126,87,255,.12);color:var(--accent,#8b6cff);font-size:.72rem;font-weight:800;white-space:nowrap}.debt-coach-overview{display:grid;grid-template-columns:repeat(3,1fr);gap:.65rem;margin:.8rem 0}.debt-coach-overview>div{padding:.8rem;border:1px solid var(--border-color,rgba(255,255,255,.1));border-radius:14px;background:rgba(255,255,255,.025)}.debt-coach-overview span,.debt-coach-result-head span,.debt-coach-ai-block>span{display:block;font-size:.72rem;color:var(--muted-text,#9ba3b4);margin-bottom:.25rem}.debt-coach-overview strong{font-size:1.05rem}.debt-coach-controls{display:grid;gap:.7rem}.debt-coach-controls label>span{display:block;font-size:.78rem;font-weight:750;margin-bottom:.35rem}.debt-coach-controls select,.debt-coach-controls input{width:100%}.debt-coach-money{display:flex;align-items:center;gap:.35rem}.debt-coach-money span{font-weight:800}.debt-method-note{margin:.75rem 0;padding:.7rem .8rem;border-radius:12px;background:rgba(255,187,68,.09);border:1px solid rgba(255,187,68,.2);font-size:.76rem;line-height:1.45}.debt-coach-empty{padding:1rem;text-align:center;color:var(--muted-text,#9ba3b4);border:1px dashed var(--border-color,rgba(255,255,255,.12));border-radius:14px}.debt-coach-results{display:grid;gap:.8rem}.debt-coach-result-head{display:flex;justify-content:space-between;align-items:center;padding:.8rem;border-radius:14px;background:rgba(126,87,255,.08)}.debt-method-badge{padding:.35rem .65rem;border-radius:999px;background:rgba(126,87,255,.16);font-size:.72rem;font-weight:800}.debt-coach-plan-list{display:grid;gap:.55rem}.debt-plan-row{display:grid;grid-template-columns:auto 1fr auto;gap:.7rem;align-items:center;padding:.75rem;border:1px solid var(--border-color,rgba(255,255,255,.1));border-radius:14px}.debt-plan-rank{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:rgba(126,87,255,.16);font-weight:900}.debt-plan-copy strong,.debt-plan-copy small{display:block}.debt-plan-copy small{color:var(--muted-text,#9ba3b4);margin-top:.15rem}.debt-plan-meta{text-align:right}.debt-plan-meta strong,.debt-plan-meta small{display:block}.debt-plan-meta small{color:var(--muted-text,#9ba3b4);font-size:.7rem}.debt-coach-ai-block{padding:.8rem;border-radius:14px;background:rgba(255,255,255,.025)}.debt-coach-actions{display:flex;gap:.55rem;flex-wrap:wrap}.debt-coach-quick-tools{margin-top:.25rem}.debt-coach-quick-tools summary{cursor:pointer;font-weight:800;font-size:.8rem;color:var(--muted-text,#9ba3b4);padding:.5rem 0}.debt-coach-thinking{display:flex;align-items:center;gap:.35rem}.debt-coach-thinking i{width:6px;height:6px;border-radius:50%;background:currentColor;animation:debtCoachPulse 1s infinite alternate}.debt-coach-thinking i:nth-child(2){animation-delay:.18s}.debt-coach-thinking i:nth-child(3){animation-delay:.36s}@keyframes debtCoachPulse{to{opacity:.25;transform:translateY(-2px)}}
@media(max-width:720px){.debt-coach-overview{grid-template-columns:1fr 1fr}.debt-coach-overview>div:first-child{grid-column:1/-1}.debt-plan-row{grid-template-columns:auto 1fr}.debt-plan-meta{grid-column:2;text-align:left}.debt-coach-actions>*{flex:1}}


/* ===== Update 13E (rebuilt): AI Savings Coach ===== */
.savings-coach-panel{overflow:hidden}
.savings-coach-header{align-items:flex-start}
.savings-coach-status{padding:.35rem .65rem;border-radius:999px;background:rgba(39,194,129,.12);color:#35d69a;font-size:.72rem;font-weight:800;white-space:nowrap}
.savings-coach-overview{display:grid;grid-template-columns:repeat(3,1fr);gap:.65rem;margin:.8rem 0}
.savings-coach-overview>div,.savings-coach-forecast>div{padding:.8rem;border:1px solid var(--border-color,rgba(255,255,255,.1));border-radius:14px;background:rgba(255,255,255,.025)}
.savings-coach-overview span,.savings-coach-result-head span,.savings-coach-ai-block>span,.savings-coach-forecast span{display:block;font-size:.72rem;color:var(--muted-text,#9ba3b4);margin-bottom:.25rem}
.savings-coach-overview strong{font-size:1.05rem}
.savings-coach-controls{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}
.savings-coach-controls label>span{display:block;font-size:.78rem;font-weight:750;margin-bottom:.35rem}
.savings-coach-controls select,.savings-coach-controls input{width:100%}
.savings-coach-controls #buildSavingsPlanBtn{grid-column:1/-1}
.savings-coach-money{display:flex;align-items:center;gap:.35rem}
.savings-coach-money>span{font-weight:800}
.savings-coach-note{margin:.75rem 0;padding:.7rem .8rem;border-radius:12px;background:rgba(39,194,129,.08);border:1px solid rgba(39,194,129,.18);font-size:.76rem;line-height:1.45}
.savings-coach-empty{padding:1rem;text-align:center;color:var(--muted-text,#9ba3b4);border:1px dashed var(--border-color,rgba(255,255,255,.12));border-radius:14px}
.savings-coach-results{display:grid;gap:.8rem}
.savings-coach-result-head{display:flex;justify-content:space-between;align-items:center;padding:.8rem;border-radius:14px;background:rgba(39,194,129,.08)}
.savings-coach-badge{padding:.35rem .65rem;border-radius:999px;background:rgba(39,194,129,.16);font-size:.72rem;font-weight:800}
.savings-coach-badge.caution{background:rgba(255,187,68,.16);color:#d69214}
.savings-coach-badge.behind{background:rgba(255,92,114,.14);color:#ff6f86}
.savings-coach-forecast{display:grid;grid-template-columns:repeat(3,1fr);gap:.55rem}
.savings-coach-forecast strong{font-size:.92rem}
.savings-coach-ai-block{padding:.8rem;border-radius:14px;background:rgba(255,255,255,.025)}
.savings-coach-actions{display:flex;gap:.55rem;flex-wrap:wrap}
.savings-coach-thinking{display:flex;align-items:center;gap:.35rem}
.savings-coach-thinking i{width:6px;height:6px;border-radius:50%;background:currentColor;animation:savingsCoachPulse 1s infinite alternate}
.savings-coach-thinking i:nth-child(2){animation-delay:.18s}.savings-coach-thinking i:nth-child(3){animation-delay:.36s}
@keyframes savingsCoachPulse{to{opacity:.25;transform:translateY(-2px)}}
@media(max-width:720px){
  .savings-coach-overview,.savings-coach-forecast{grid-template-columns:1fr 1fr}
  .savings-coach-overview>div:first-child,.savings-coach-forecast>div:last-child{grid-column:1/-1}
  .savings-coach-controls{grid-template-columns:1fr}
  .savings-coach-controls #buildSavingsPlanBtn{grid-column:auto}
  .savings-coach-actions>*{flex:1}
}


/* Update 14A — Monthly AI Financial Report */
.nav-premium{font-size:.58rem;margin-left:auto;padding:.2rem .38rem}.report-premium{align-self:flex-start}.report-hero{background:linear-gradient(135deg,rgba(124,92,255,.16),rgba(26,188,156,.08));border:1px solid rgba(148,126,255,.25);padding:1.35rem;border-radius:22px}.report-controls{display:grid;grid-template-columns:1fr auto auto;gap:1rem;align-items:end}.report-control-copy h2{margin:0 0 .35rem}.report-control-copy p{margin:0;color:var(--muted)}.report-month-field{display:grid;gap:.4rem;min-width:170px}.report-month-field span{font-size:.78rem;color:var(--muted);font-weight:700}.report-month-field input{min-height:44px}.report-control-actions{display:flex;gap:.65rem;flex-wrap:wrap}.report-empty{text-align:center;padding:3rem 1rem}.monthly-report-document{display:grid;gap:1rem;background:linear-gradient(180deg,rgba(21,24,41,.96),rgba(12,14,25,.98));border:1px solid rgba(148,126,255,.28);border-radius:24px;padding:1.35rem;box-shadow:0 20px 60px rgba(0,0,0,.18)}.report-document-header{display:flex;justify-content:space-between;gap:1rem;align-items:center;padding:1.1rem;border-radius:18px;background:linear-gradient(135deg,rgba(124,92,255,.22),rgba(25,191,161,.12))}.report-document-header h2{margin:.25rem 0;font-size:1.7rem}.report-document-header p{margin:0;color:var(--muted)}.report-brand{font-weight:900;color:#b8a9ff!important}.report-score-ring{width:86px;height:86px;border-radius:50%;display:grid;place-content:center;text-align:center;border:8px solid rgba(124,92,255,.45);background:rgba(7,9,18,.38)}.report-score-ring span{font-size:1.55rem;font-weight:900}.report-score-ring small{font-size:.7rem;color:var(--muted)}.report-kpi-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.75rem}.report-kpi,.report-block{background:rgba(255,255,255,.035);border:1px solid rgba(255,255,255,.08);border-radius:17px;padding:1rem}.report-kpi span{display:block;color:var(--muted);font-size:.76rem;font-weight:750}.report-kpi strong{display:block;font-size:1.35rem;margin:.3rem 0}.report-kpi small{color:var(--muted)}.report-chart-grid,.report-two-column{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.report-block h3{margin:0 0 .85rem}.report-bars{display:grid;gap:.8rem}.report-bar-row{display:grid;gap:.35rem}.report-bar-label{display:flex;justify-content:space-between;gap:1rem;font-size:.8rem}.report-bar-track{height:10px;background:rgba(255,255,255,.08);border-radius:999px;overflow:hidden}.report-bar-fill{height:100%;width:0;border-radius:999px;background:linear-gradient(90deg,#7c5cff,#23c6a4)}.report-list,.report-action-list{margin:0;padding-left:1.25rem;display:grid;gap:.65rem}.report-list li,.report-action-list li{line-height:1.45}.report-section-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:1rem}.report-ai-text{white-space:pre-wrap;line-height:1.65;color:var(--text)}.report-ai-text.is-loading{opacity:.7}.report-disclaimer{font-size:.72rem;line-height:1.45;color:var(--muted);padding:.35rem .2rem}.monthly-report-page .negative{color:#ff8f9a!important}
@media(max-width:900px){.report-controls{grid-template-columns:1fr}.report-control-actions>*{flex:1}.report-kpi-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.report-chart-grid,.report-two-column{grid-template-columns:1fr}}
@media(max-width:560px){.report-kpi-grid{grid-template-columns:1fr}.report-document-header{align-items:flex-start}.report-score-ring{width:72px;height:72px;flex:0 0 auto}.monthly-report-document{padding:.75rem}.report-control-actions{display:grid}}
@media print{body.report-print-mode *{visibility:hidden!important}body.report-print-mode #monthlyReportDocument,body.report-print-mode #monthlyReportDocument *{visibility:visible!important}body.report-print-mode #monthlyReportDocument{position:absolute;inset:0;width:100%;display:block!important;background:#fff!important;color:#111!important;border:0!important;box-shadow:none!important;padding:18mm!important}body.report-print-mode .report-kpi,body.report-print-mode .report-block,body.report-print-mode .report-document-header{background:#fff!important;border:1px solid #ddd!important;color:#111!important;break-inside:avoid}body.report-print-mode .report-document-header p,body.report-print-mode .report-kpi span,body.report-print-mode .report-kpi small,body.report-print-mode .report-disclaimer{color:#555!important}body.report-print-mode .report-ai-text{color:#111!important}body.report-print-mode .report-kpi-grid{grid-template-columns:repeat(3,1fr)!important}body.report-print-mode .report-chart-grid,body.report-print-mode .report-two-column{grid-template-columns:repeat(2,1fr)!important}.no-print{display:none!important}}

/* ===== Update 14B: Floating MoneyHub AI Coach ===== */
.floating-coach{position:fixed;right:22px;bottom:22px;z-index:1450;font-family:inherit}.floating-coach-launcher{position:relative;display:flex;align-items:center;gap:10px;min-width:172px;padding:10px 14px 10px 10px;border:1px solid rgba(167,139,250,.5);border-radius:999px;background:linear-gradient(135deg,#6d4aff,#8b5cf6 60%,#24b9aa);color:#fff;box-shadow:0 16px 44px rgba(76,46,180,.4);cursor:pointer;transition:transform .2s ease,box-shadow .2s ease}.floating-coach-launcher:hover{transform:translateY(-2px);box-shadow:0 20px 52px rgba(76,46,180,.5)}.floating-coach-launcher-icon{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;font-size:21px;background:rgba(255,255,255,.18)}.floating-coach-launcher-copy{display:grid;text-align:left;line-height:1.12}.floating-coach-launcher-copy strong{font-size:13px}.floating-coach-launcher-copy small{font-size:10px;opacity:.85}.floating-coach-badge{position:absolute;right:-3px;top:-5px;min-width:20px;height:20px;padding:0 5px;display:grid;place-items:center;border-radius:999px;background:#ff4f75;border:2px solid #171526;font-size:10px;font-weight:900}.floating-coach-panel{position:absolute;right:0;bottom:66px;width:min(390px,calc(100vw - 28px));height:min(620px,calc(100vh - 120px));display:grid;grid-template-rows:auto auto 1fr auto auto auto;overflow:hidden;border:1px solid rgba(167,139,250,.32);border-radius:22px;background:rgba(17,18,32,.98);box-shadow:0 28px 80px rgba(0,0,0,.48);backdrop-filter:blur(18px)}.floating-coach-panel[hidden]{display:none}.floating-coach-header{display:grid;grid-template-columns:auto 1fr auto;gap:10px;align-items:center;padding:14px 15px;background:linear-gradient(135deg,rgba(109,74,255,.35),rgba(36,185,170,.14));border-bottom:1px solid rgba(255,255,255,.08)}.floating-coach-header>div:nth-child(2){display:grid}.floating-coach-header strong{font-size:14px}.floating-coach-header small{margin-top:2px;color:#c7c1dc;font-size:10px}.floating-coach-avatar{width:38px;height:38px;display:grid;place-items:center;border-radius:13px;background:rgba(255,255,255,.11);font-size:21px}.floating-coach-icon-btn{width:32px;height:32px;border:0;border-radius:10px;background:rgba(255,255,255,.08);color:#fff;cursor:pointer}.floating-coach-context{padding:8px 14px;border-bottom:1px solid rgba(255,255,255,.06);color:#b8acd9;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.06em}.floating-coach-messages{overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:10px}.floating-coach-message{max-width:88%;padding:10px 12px;border-radius:15px;font-size:12px;line-height:1.5;white-space:pre-wrap;overflow-wrap:anywhere}.floating-coach-message.assistant{align-self:flex-start;background:rgba(124,92,255,.15);border:1px solid rgba(167,139,250,.2);border-bottom-left-radius:5px}.floating-coach-message.user{align-self:flex-end;background:linear-gradient(135deg,#6d4aff,#7457d9);color:#fff;border-bottom-right-radius:5px}.floating-coach-message.error{background:rgba(244,63,94,.12);border-color:rgba(244,63,94,.25)}.floating-coach-message.thinking{display:flex;gap:5px;align-items:center;color:#bcb5ce}.floating-coach-message.thinking i{width:6px;height:6px;border-radius:50%;background:#a78bfa;animation:coachPulse 1s infinite alternate}.floating-coach-message.thinking i:nth-child(2){animation-delay:.16s}.floating-coach-message.thinking i:nth-child(3){animation-delay:.32s}@keyframes coachPulse{to{opacity:.3;transform:translateY(-2px)}}.floating-coach-quick-actions{display:flex;gap:7px;overflow-x:auto;padding:0 12px 10px}.floating-coach-quick-actions button{flex:0 0 auto;padding:7px 10px;border:1px solid rgba(167,139,250,.25);border-radius:999px;background:rgba(124,92,255,.08);color:#d9d3eb;font-size:10px;font-weight:750;cursor:pointer}.floating-coach-form{display:grid;grid-template-columns:1fr auto;gap:8px;padding:10px 12px;border-top:1px solid rgba(255,255,255,.07)}.floating-coach-form textarea{min-height:42px;max-height:110px;resize:none;border-radius:13px;padding:11px 12px;font:inherit;font-size:12px}.floating-coach-form button{width:42px;height:42px;border:0;border-radius:13px;background:linear-gradient(135deg,#7657ff,#23bba8);color:#fff;font-size:18px;cursor:pointer}.floating-coach-form button:disabled{opacity:.5;cursor:wait}.floating-coach-footer{display:flex;justify-content:space-between;padding:0 13px 11px}.floating-coach-footer button{border:0;background:transparent;color:#a99fc3;font-size:10px;font-weight:750;cursor:pointer}.floating-coach-footer button:hover{color:#fff}body.light-mode .floating-coach-panel{background:rgba(255,255,255,.98);color:#1c1730}body.light-mode .floating-coach-header small,body.light-mode .floating-coach-context,body.light-mode .floating-coach-footer button{color:#655c77}body.light-mode .floating-coach-message.assistant{background:#f2efff;border-color:#ded6ff}body.light-mode .floating-coach-quick-actions button{background:#f6f2ff;color:#4d4264}
@media(max-width:720px){.floating-coach{right:14px;bottom:82px}.floating-coach-launcher{min-width:54px;width:54px;height:54px;padding:8px;justify-content:center}.floating-coach-launcher-copy{display:none}.floating-coach-launcher-icon{width:38px;height:38px}.floating-coach-panel{position:fixed;inset:70px 10px 76px;width:auto;height:auto;border-radius:20px}.floating-coach-badge{right:-2px}.floating-coach-message{max-width:92%}}

/* ===== Update 14C: AI Actions ===== */
.floating-coach-action-draft{margin:0 14px 10px;padding:14px;border:1px solid rgba(123,97,255,.38);border-radius:16px;background:linear-gradient(145deg,rgba(123,97,255,.14),rgba(44,203,180,.08));box-shadow:0 12px 28px rgba(0,0,0,.16)}
.floating-coach-action-draft[hidden]{display:none!important}.ai-action-kicker{font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.ai-action-title{display:flex;align-items:center;justify-content:space-between;gap:10px;margin:5px 0 10px}.ai-action-title strong{font-size:1rem}.ai-action-confidence{font-size:.7rem;font-weight:800;padding:4px 8px;border-radius:999px;background:rgba(44,203,180,.14);color:#8ff3df}
.ai-action-fields{display:grid;gap:7px;margin-bottom:12px}.ai-action-field{display:flex;justify-content:space-between;gap:14px;padding:7px 0;border-bottom:1px solid rgba(255,255,255,.08)}.ai-action-field:last-child{border-bottom:0}.ai-action-field span{color:var(--muted);font-size:.8rem}.ai-action-field strong{text-align:right;font-size:.84rem;overflow-wrap:anywhere}
.ai-action-warning{margin:0 0 11px;font-size:.76rem;line-height:1.45;color:var(--muted)}.ai-action-buttons{display:grid;grid-template-columns:1fr 1fr;gap:8px}.ai-action-buttons button{min-height:38px;border-radius:11px;font-weight:800;cursor:pointer}.ai-action-confirm{border:0;background:linear-gradient(135deg,#7b61ff,#45d3bd);color:white}.ai-action-cancel{border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.05);color:inherit}
.ai-action-undo{display:inline-flex;margin-top:8px;border:1px solid rgba(255,255,255,.18);background:transparent;color:inherit;border-radius:9px;padding:6px 10px;font-weight:800;cursor:pointer}.floating-coach-message.success{border-color:rgba(44,203,180,.35);background:rgba(44,203,180,.1)}
@media(max-width:640px){.floating-coach-action-draft{margin-left:10px;margin-right:10px}.ai-action-fields{max-height:190px;overflow:auto}}

/* ===== Update 14C.1: 2026 MoneyHub AI Coach Command Center ===== */
.ai-coach-page{position:relative;isolation:isolate;max-width:1180px;margin:0 auto;padding-bottom:28px}
.ai-coach-page:before{content:"";position:absolute;z-index:-1;inset:-90px -80px auto;height:520px;background:radial-gradient(circle at 18% 24%,rgba(77,114,255,.18),transparent 42%),radial-gradient(circle at 82% 12%,rgba(35,211,183,.13),transparent 38%);pointer-events:none}
.ai-coach-hero{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:20px;padding:14px 4px 24px}
.ai-coach-hero h1{max-width:760px;margin:5px 0 8px;font-size:clamp(1.8rem,3.5vw,3.15rem);line-height:1.05;letter-spacing:-.045em}
.ai-coach-hero .subtitle{max-width:760px;margin:0;line-height:1.65;color:#a8b7ca}
.ai-coach-orb{display:grid;place-items:center;width:72px;height:72px;border:1px solid rgba(116,142,255,.42);border-radius:24px;background:linear-gradient(145deg,rgba(80,91,255,.27),rgba(36,211,183,.15));box-shadow:0 18px 55px rgba(25,46,110,.34),inset 0 1px 0 rgba(255,255,255,.16)}
.ai-coach-orb span{font-size:2rem;filter:drop-shadow(0 8px 18px rgba(92,111,255,.5))}
.ai-coach-trust{display:flex;align-items:center;gap:10px;max-width:245px;padding:12px 14px;border:1px solid rgba(111,138,184,.22);border-radius:17px;background:rgba(10,25,47,.62);backdrop-filter:blur(16px)}
.ai-coach-trust>span{font-size:1.15rem}.ai-coach-trust strong,.ai-coach-trust small{display:block}.ai-coach-trust strong{font-size:.8rem}.ai-coach-trust small{margin-top:3px;color:var(--muted);font-size:.68rem;line-height:1.35}
.ai-command-center{position:relative;overflow:hidden;display:flex;flex-direction:column;min-height:680px;border:1px solid rgba(81,111,164,.38);border-radius:28px;background:linear-gradient(180deg,rgba(13,31,57,.96),rgba(8,20,39,.98));box-shadow:0 34px 90px rgba(0,9,27,.38),inset 0 1px 0 rgba(255,255,255,.045)}
.ai-command-center:before{content:"";position:absolute;inset:0;background:linear-gradient(rgba(255,255,255,.014) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.014) 1px,transparent 1px);background-size:34px 34px;mask-image:linear-gradient(to bottom,rgba(0,0,0,.55),transparent 72%);pointer-events:none}
.ai-command-topbar{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between;gap:15px;padding:17px 20px;border-bottom:1px solid rgba(122,148,190,.16);background:rgba(8,21,42,.64);backdrop-filter:blur(18px)}
.ai-command-identity{display:flex;align-items:center;gap:11px}.ai-command-identity strong,.ai-command-identity small{display:block}.ai-command-identity strong{font-size:.9rem}.ai-command-identity small{margin-top:2px;color:var(--muted);font-size:.69rem}
.ai-status-dot{width:10px;height:10px;border-radius:999px;background:#44dec1;box-shadow:0 0 0 5px rgba(68,222,193,.1),0 0 22px rgba(68,222,193,.7)}
.ai-command-new-chat{border:1px solid rgba(137,157,193,.24);border-radius:12px;padding:9px 13px;background:rgba(255,255,255,.035);color:inherit;font-weight:800;cursor:pointer}
.ai-command-conversation{position:relative;z-index:1;flex:1;min-height:410px;max-height:none!important;margin:0!important;padding:34px clamp(20px,5vw,62px)!important;overflow-y:auto;background:transparent!important;border:0!important}
.ai-command-conversation .ai-conversation{gap:18px}.ai-command-conversation .ai-message{max-width:min(760px,86%)}
.ai-command-conversation .ai-message>span{font-size:.66rem}.ai-command-conversation .ai-message>div{padding:15px 17px;border-radius:18px;font-size:.9rem;line-height:1.65;background:rgba(17,38,68,.86);box-shadow:0 12px 28px rgba(1,8,22,.14)}
.ai-command-conversation .ai-message.user>div{background:linear-gradient(135deg,rgba(46,76,137,.96),rgba(40,62,113,.96));border-color:rgba(99,139,210,.55)}
.ai-command-conversation .ai-welcome-state{max-width:760px;margin:55px auto 20px;padding:0;border:0;background:transparent;box-shadow:none}
.ai-command-conversation .ai-welcome-icon{display:grid;place-items:center;width:54px;height:54px;border-radius:18px;background:linear-gradient(135deg,#6f63ff,#3bd1b6);box-shadow:0 14px 30px rgba(79,91,224,.28)}
.ai-command-conversation .ai-welcome-state strong{font-size:1.25rem}.ai-command-conversation .ai-welcome-state p{font-size:.92rem;line-height:1.65}
.ai-command-starters{position:relative;z-index:1;display:flex;gap:8px;padding:0 clamp(18px,4vw,42px) 13px;overflow-x:auto;scrollbar-width:none}.ai-command-starters::-webkit-scrollbar{display:none}
.ai-command-starters button{flex:0 0 auto;border:1px solid rgba(109,137,184,.24);border-radius:999px;padding:9px 13px;background:rgba(255,255,255,.035);color:#c9d6e7;font-size:.73rem;font-weight:750;cursor:pointer;transition:.18s ease}
.ai-command-starters button:hover{transform:translateY(-1px);border-color:rgba(90,211,190,.55);background:rgba(59,211,184,.08);color:#fff}
.ai-command-composer{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:10px;margin:0 clamp(16px,3.5vw,34px);padding:11px;border:1px solid rgba(105,139,198,.38);border-radius:21px;background:rgba(12,30,55,.95);box-shadow:0 17px 45px rgba(0,8,24,.34),inset 0 1px 0 rgba(255,255,255,.04)}
.ai-command-input-wrap{display:grid;grid-template-columns:auto minmax(0,1fr);align-items:end;gap:10px;padding:5px 6px 5px 9px}.ai-command-input-wrap>span{padding-bottom:9px;color:#70ead4;font-size:1.05rem}
.ai-command-input-wrap textarea{width:100%;max-height:150px;resize:none;border:0!important;outline:0!important;padding:8px 0!important;background:transparent!important;color:inherit;font:inherit;line-height:1.45;box-shadow:none!important}
.ai-command-input-wrap textarea::placeholder{color:#788ba6}
.ai-command-send{display:grid;place-items:center;width:48px;height:48px;align-self:end;border:0;border-radius:15px;background:linear-gradient(135deg,#7065ff,#3ad3b7);color:white;font-size:1.15rem;cursor:pointer;box-shadow:0 10px 22px rgba(72,99,224,.28)}
.ai-command-send:disabled{opacity:.58;cursor:wait}
.ai-command-footnote{position:relative;z-index:1;padding:10px 22px 16px;text-align:center;color:#6f829e;font-size:.64rem}
.full-ai-action-draft{position:relative;z-index:3;width:min(620px,calc(100% - 40px));margin:0 auto 18px;padding:20px;border:1px solid rgba(96,208,187,.38);border-radius:21px;background:linear-gradient(155deg,rgba(24,41,72,.98),rgba(13,29,51,.98));box-shadow:0 22px 55px rgba(0,8,25,.35),0 0 40px rgba(67,211,183,.06)}
.full-ai-action-draft .ai-action-title strong{font-size:1.12rem}.full-ai-action-draft .ai-action-fields{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 22px}.full-ai-action-draft .ai-action-field{min-height:43px;align-items:center}.full-ai-action-draft .ai-action-buttons{max-width:420px;margin-left:auto}.full-ai-action-draft .ai-action-buttons button{min-height:44px}
.ai-command-success{display:flex;align-items:center;justify-content:space-between;gap:14px;max-width:620px;margin:0 auto 16px;padding:14px 16px;border:1px solid rgba(60,211,184,.36);border-radius:16px;background:rgba(45,196,169,.1)}
.ai-command-success strong{font-size:.86rem}
[data-theme="light"] .ai-command-center{background:linear-gradient(180deg,#f8fbff,#f2f6fc);border-color:#cad8eb;box-shadow:0 30px 70px rgba(28,59,102,.12)}
[data-theme="light"] .ai-command-topbar,[data-theme="light"] .ai-command-composer{background:rgba(255,255,255,.9)}
[data-theme="light"] .ai-command-conversation .ai-message.assistant>div{background:#fff}[data-theme="light"] .ai-command-starters button{background:#fff;color:#40526c}
@media(max-width:900px){.ai-coach-hero{grid-template-columns:auto 1fr}.ai-coach-trust{grid-column:1/-1;max-width:none}.ai-command-center{min-height:650px}}
@media(max-width:640px){.ai-coach-page{padding:0 0 18px}.ai-coach-hero{grid-template-columns:1fr;padding:8px 4px 18px}.ai-coach-orb{width:58px;height:58px;border-radius:19px}.ai-coach-hero h1{font-size:2rem}.ai-coach-trust{display:none}.ai-command-center{min-height:calc(100vh - 190px);border-radius:20px}.ai-command-topbar{padding:13px 14px}.ai-command-conversation{min-height:330px;padding:22px 14px!important}.ai-command-conversation .ai-welcome-state{margin:30px auto 10px;grid-template-columns:1fr}.ai-command-conversation .ai-message{max-width:94%}.ai-command-starters{padding:0 12px 10px}.ai-command-composer{margin:0 10px;padding:8px;border-radius:17px}.ai-command-footnote{padding:8px 14px 12px}.full-ai-action-draft{width:calc(100% - 20px);padding:16px}.full-ai-action-draft .ai-action-fields{grid-template-columns:1fr}.full-ai-action-draft .ai-action-buttons{max-width:none}.ai-command-new-chat{padding:8px 10px;font-size:.72rem}}


/* ===== Update 14C.2: Sticky Composer + AI Capabilities ===== */
.ai-command-center-v142{
  height:clamp(680px,calc(100vh - 210px),900px);
  min-height:680px;
  display:grid;
  grid-template-rows:auto minmax(0,1fr) auto auto;
}
.ai-command-center-v142 .ai-command-workspace{
  position:relative;
  z-index:1;
  min-height:0;
  display:grid;
  grid-template-columns:minmax(0,1fr) 310px;
  overflow:hidden;
}
.ai-command-center-v142 .ai-command-chat-column{
  min-width:0;
  min-height:0;
  display:grid;
  grid-template-rows:minmax(0,1fr) auto;
  border-right:1px solid rgba(122,148,190,.15);
}
.ai-command-center-v142 .ai-command-conversation{
  min-height:0!important;
  height:100%;
  padding:30px clamp(20px,4vw,52px)!important;
  overscroll-behavior:contain;
  scrollbar-gutter:stable;
}
.ai-command-center-v142 .ai-command-conversation .ai-welcome-state{
  margin:38px auto 20px;
}
.ai-command-center-v142 .full-ai-action-draft{
  width:calc(100% - 40px);
  max-height:42vh;
  overflow:auto;
  margin:0 auto 16px;
}
.ai-capabilities-panel{
  min-width:0;
  min-height:0;
  overflow-y:auto;
  padding:24px 20px;
  background:linear-gradient(180deg,rgba(15,34,61,.76),rgba(9,24,45,.72));
  scrollbar-width:thin;
}
.ai-capabilities-heading{margin-bottom:20px}
.ai-capabilities-kicker{
  display:block;
  margin-bottom:7px;
  color:#6fe6d1;
  font-size:.66rem;
  font-weight:850;
  letter-spacing:.1em;
  text-transform:uppercase;
}
.ai-capabilities-heading h2{
  margin:0;
  font-size:1.12rem;
  letter-spacing:-.02em;
}
.ai-capabilities-heading p{
  margin:7px 0 0;
  color:var(--muted);
  font-size:.76rem;
  line-height:1.5;
}
.ai-capability-groups{display:grid;gap:16px}
.ai-capability-group{
  display:grid;
  gap:7px;
  padding:14px;
  border:1px solid rgba(119,146,190,.16);
  border-radius:17px;
  background:rgba(255,255,255,.025);
}
.ai-capability-group h3{
  display:flex;
  align-items:center;
  gap:7px;
  margin:0 0 3px;
  font-size:.78rem;
}
.ai-capability-group button{
  width:100%;
  border:0;
  border-radius:10px;
  padding:8px 9px;
  background:transparent;
  color:#aebdd1;
  text-align:left;
  font:inherit;
  font-size:.72rem;
  line-height:1.35;
  cursor:pointer;
  transition:background .16s ease,color .16s ease,transform .16s ease;
}
.ai-capability-group button:hover,
.ai-capability-group button:focus-visible{
  outline:0;
  transform:translateX(2px);
  background:rgba(91,118,178,.15);
  color:#fff;
}
.ai-capabilities-note{
  display:flex;
  gap:9px;
  margin-top:18px;
  padding:12px;
  border:1px solid rgba(77,211,184,.18);
  border-radius:14px;
  background:rgba(61,205,180,.06);
}
.ai-capabilities-note span{font-size:.9rem}
.ai-capabilities-note p{
  margin:0;
  color:var(--muted);
  font-size:.66rem;
  line-height:1.45;
}
.ai-capabilities-note strong{color:#d7e4f3}
.ai-command-center-v142 .ai-command-starters{
  border-top:1px solid rgba(122,148,190,.12);
  padding-top:11px;
  background:rgba(8,21,42,.42);
}
.ai-command-composer-shell{
  position:relative;
  z-index:5;
  padding:0 0 1px;
  border-top:1px solid rgba(122,148,190,.1);
  background:linear-gradient(180deg,rgba(8,21,42,.9),rgba(8,20,39,.99));
  box-shadow:0 -18px 44px rgba(2,10,24,.2);
}
.ai-command-center-v142 .ai-command-composer{
  position:sticky;
  bottom:0;
  margin-top:12px;
}
.ai-command-center-v142 .ai-command-footnote{
  padding-bottom:11px;
}
[data-theme="light"] .ai-capabilities-panel{
  background:linear-gradient(180deg,#f5f8fc,#eef3f9);
}
[data-theme="light"] .ai-capability-group{
  background:rgba(255,255,255,.75);
  border-color:#dbe5f1;
}
[data-theme="light"] .ai-capability-group button{color:#52647c}
[data-theme="light"] .ai-capability-group button:hover,
[data-theme="light"] .ai-capability-group button:focus-visible{
  color:#17253a;
  background:#e8eef8;
}
[data-theme="light"] .ai-capabilities-note strong{color:#20324b}
[data-theme="light"] .ai-command-composer-shell{
  background:linear-gradient(180deg,rgba(247,250,255,.94),#f2f6fc);
}

@media(max-width:980px){
  .ai-command-center-v142{
    height:clamp(720px,calc(100vh - 180px),940px);
  }
  .ai-command-center-v142 .ai-command-workspace{
    grid-template-columns:minmax(0,1fr) 270px;
  }
  .ai-capabilities-panel{padding:20px 15px}
}
@media(max-width:760px){
  .ai-command-center-v142{
    height:calc(100dvh - 158px);
    min-height:610px;
    border-radius:20px;
  }
  .ai-command-center-v142 .ai-command-workspace{
    display:block;
    overflow:hidden;
  }
  .ai-command-center-v142 .ai-command-chat-column{
    height:100%;
    border-right:0;
  }
  .ai-capabilities-panel{
    display:none;
  }
  .ai-command-center-v142 .ai-command-conversation{
    padding:20px 13px!important;
  }
  .ai-command-center-v142 .ai-command-starters{
    padding:9px 10px;
  }
  .ai-command-center-v142 .ai-command-composer{
    margin:8px 9px 0;
  }
  .ai-command-center-v142 .ai-command-footnote{
    padding:7px 12px 10px;
  }
  .ai-command-center-v142 .full-ai-action-draft{
    width:calc(100% - 18px);
    max-height:38vh;
    margin-bottom:9px;
  }
}
@media(max-width:420px){
  .ai-command-center-v142{
    height:calc(100dvh - 142px);
    min-height:570px;
  }
  .ai-command-center-v142 .ai-command-starters button{
    padding:8px 10px;
    font-size:.68rem;
  }
  .ai-command-center-v142 .ai-command-send{
    width:44px;
    height:44px;
  }
}


/* ===== Update 14C.3: AI Command Palette ===== */
.ai-command-palette{position:fixed;inset:0;z-index:10050;display:grid;place-items:start center;padding:clamp(72px,11vh,126px) 18px 24px}
.ai-command-palette[hidden]{display:none}
.ai-command-palette-backdrop{position:absolute;inset:0;border:0;background:rgba(4,9,18,.72);backdrop-filter:blur(9px);cursor:default}
.ai-command-palette-dialog{position:relative;width:min(720px,100%);max-height:min(690px,78vh);display:flex;flex-direction:column;overflow:hidden;border:1px solid rgba(148,163,184,.22);border-radius:24px;background:linear-gradient(180deg,#111a2b,#0b1322);box-shadow:0 30px 90px rgba(0,0,0,.48),0 0 0 1px rgba(255,255,255,.03);animation:commandPaletteIn .16s ease-out}
@keyframes commandPaletteIn{from{opacity:0;transform:translateY(-12px) scale(.985)}to{opacity:1;transform:none}}
.ai-command-palette-search{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:14px;align-items:center;padding:19px 20px;border-bottom:1px solid rgba(148,163,184,.15)}
.ai-command-palette-spark{display:grid;place-items:center;width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,#7c3aed,#2563eb);font-size:1.1rem;box-shadow:0 10px 28px rgba(79,70,229,.3)}
.ai-command-palette-search div{min-width:0}
.ai-command-palette-search label{display:block;margin-bottom:5px;color:#f8fafc;font-weight:800;font-size:.86rem}
.ai-command-palette-search input{width:100%;padding:0;border:0;outline:0;background:transparent;color:#fff;font:700 1.08rem/1.35 inherit}
.ai-command-palette-search input::placeholder{color:#64748b;font-weight:600}
.ai-command-palette kbd{display:inline-grid;place-items:center;min-width:24px;height:23px;padding:0 6px;border:1px solid rgba(148,163,184,.25);border-bottom-color:rgba(148,163,184,.38);border-radius:7px;background:rgba(255,255,255,.045);color:#94a3b8;font:700 .64rem/1 inherit;box-shadow:0 1px 0 rgba(255,255,255,.05)}
.ai-command-palette-meta{display:flex;justify-content:space-between;align-items:center;padding:12px 18px 8px;color:#94a3b8;text-transform:uppercase;letter-spacing:.08em;font-size:.68rem;font-weight:800}
.ai-command-palette-meta small{display:flex;align-items:center;gap:5px;color:#64748b;text-transform:none;letter-spacing:0;font-weight:700}
.ai-command-palette-results{overflow:auto;padding:4px 10px 12px;scrollbar-width:thin}
.ai-command-palette-item{width:100%;display:grid;grid-template-columns:42px minmax(0,1fr) auto;gap:12px;align-items:center;padding:11px 12px;border:1px solid transparent;border-radius:14px;background:transparent;color:inherit;text-align:left;cursor:pointer}
.ai-command-palette-item:hover,.ai-command-palette-item.is-active{border-color:rgba(129,140,248,.25);background:linear-gradient(90deg,rgba(79,70,229,.18),rgba(37,99,235,.08))}
.ai-command-palette-item-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.055);font-size:1.05rem}
.ai-command-palette-item-copy{min-width:0}
.ai-command-palette-item-copy strong{display:block;color:#eaf0fa;font-size:.88rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.ai-command-palette-item-copy small{display:block;margin-top:3px;color:#8190a6;font-size:.73rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.ai-command-palette-item-type{padding:5px 8px;border-radius:999px;background:rgba(255,255,255,.055);color:#91a0b6;font-size:.62rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em}
.ai-command-palette-empty{padding:32px 18px;text-align:center;color:#94a3b8}
.ai-command-palette-empty strong{display:block;color:#e2e8f0;margin-bottom:6px}
.ai-command-palette-footer{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:11px 18px;border-top:1px solid rgba(148,163,184,.14);color:#718096;font-size:.69rem;font-weight:700}
.ai-command-palette-footer span:last-child{display:flex;align-items:center;gap:4px}
body.command-palette-open{overflow:hidden}
[data-theme="light"] .ai-command-palette-backdrop{background:rgba(24,34,52,.42)}
[data-theme="light"] .ai-command-palette-dialog{background:linear-gradient(180deg,#fff,#f5f8fc);border-color:#d7e0ec;box-shadow:0 30px 90px rgba(25,39,67,.25)}
[data-theme="light"] .ai-command-palette-search label,[data-theme="light"] .ai-command-palette-item-copy strong{color:#17253a}
[data-theme="light"] .ai-command-palette-search input{color:#17253a}
[data-theme="light"] .ai-command-palette-item:hover,[data-theme="light"] .ai-command-palette-item.is-active{background:#edf2ff;border-color:#cbd7ff}
[data-theme="light"] .ai-command-palette-item-icon,[data-theme="light"] .ai-command-palette-item-type{background:#e9eef6}
@media(max-width:620px){.ai-command-palette{padding:64px 10px 12px}.ai-command-palette-dialog{max-height:calc(100dvh - 78px);border-radius:20px}.ai-command-palette-search{padding:15px 14px;gap:10px}.ai-command-palette-spark{width:38px;height:38px}.ai-command-palette-search label{font-size:.78rem}.ai-command-palette-search input{font-size:.94rem}.ai-command-palette-meta small{display:none}.ai-command-palette-item{grid-template-columns:38px minmax(0,1fr);padding:10px 8px}.ai-command-palette-item-icon{width:36px;height:36px}.ai-command-palette-item-type{display:none}.ai-command-palette-footer{padding:10px 14px}.ai-command-palette-footer span:last-child{display:none}}

.ai-command-shortcut{display:flex;align-items:center;gap:10px;margin-right:auto;padding:8px 11px;border:1px solid rgba(148,163,184,.18);border-radius:11px;background:rgba(255,255,255,.04);color:#9aa8bb;font-size:.72rem;font-weight:800;cursor:pointer}
.ai-command-shortcut:hover{color:#e6ecf5;border-color:rgba(129,140,248,.35);background:rgba(79,70,229,.1)}
.ai-command-shortcut kbd{padding:3px 6px;border:1px solid rgba(148,163,184,.22);border-radius:6px;background:rgba(255,255,255,.05);color:#8492a6;font-size:.59rem}
@media(max-width:760px){.ai-command-shortcut{display:none}}


/* ===== Update 14C.4: AI Productivity Timeline ===== */
.ai-productivity-timeline{margin:0 0 18px;padding:22px;border:1px solid rgba(110,91,255,.18);border-radius:24px;background:linear-gradient(145deg,rgba(255,255,255,.98),rgba(246,244,255,.94));box-shadow:0 18px 50px rgba(49,34,120,.08)}
.ai-productivity-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:18px}.ai-productivity-heading h2{margin:3px 0 6px;font-size:clamp(1.25rem,2vw,1.65rem)}.ai-productivity-heading p{margin:0;color:var(--muted);max-width:720px}.ai-productivity-events{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}.ai-productivity-event{position:relative;min-height:138px;padding:16px;border:1px solid rgba(110,91,255,.14);border-radius:18px;background:#fff;overflow:hidden}.ai-productivity-event:before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--timeline-accent,#7867ff)}.ai-productivity-event.is-positive{--timeline-accent:#22a06b}.ai-productivity-event.is-warning{--timeline-accent:#ee9b2b}.ai-productivity-event.is-payday{--timeline-accent:#4f7cff}.ai-productivity-event.is-projection{--timeline-accent:#8a5cff}.ai-productivity-date{display:block;margin-bottom:10px;color:var(--muted);font-size:.74rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.ai-productivity-icon{display:block;font-size:1.35rem;margin-bottom:8px}.ai-productivity-event strong{display:block;font-size:.96rem;line-height:1.25}.ai-productivity-event p{margin:5px 0 0;color:var(--muted);font-size:.82rem;line-height:1.38}.ai-productivity-event button{margin-top:10px;padding:0;border:0;background:transparent;color:var(--primary);font:inherit;font-size:.78rem;font-weight:800;cursor:pointer}.ai-productivity-disclaimer{margin:12px 2px 0;color:var(--muted);font-size:.76rem}
@media(max-width:1100px){.ai-productivity-events{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:720px){.ai-productivity-timeline{padding:16px;border-radius:20px}.ai-productivity-heading{display:block}.ai-productivity-heading .secondary-btn{width:100%;margin-top:14px}.ai-productivity-events{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:6px}.ai-productivity-event{min-width:225px;scroll-snap-align:start}.ai-productivity-events::-webkit-scrollbar{height:5px}}


/* ===== Update 14C.5: AI Intelligence Center ===== */
.ai-intelligence-center{
  margin:22px 0;
  padding:24px;
  border:1px solid rgba(124,92,255,.18);
  border-radius:24px;
  background:linear-gradient(145deg,rgba(255,255,255,.98),rgba(247,247,255,.96));
  box-shadow:0 18px 45px rgba(45,35,95,.08);
}
.ai-intelligence-head{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;margin-bottom:18px}
.ai-intelligence-head h2{margin:3px 0 6px;font-size:clamp(1.35rem,2vw,1.8rem)}
.ai-intelligence-head p{margin:0;max-width:720px;color:var(--muted,#667085)}
.ai-intelligence-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.ai-intelligence-card{padding:18px;border:1px solid rgba(125,115,170,.16);border-radius:18px;background:#fff;min-width:0}
.ai-intelligence-primary{background:linear-gradient(135deg,rgba(113,78,255,.11),rgba(66,190,255,.08));border-color:rgba(113,78,255,.22)}
.ai-intelligence-kicker{display:block;margin-bottom:8px;font-size:.76rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#7257d8}
.ai-intelligence-card h3{margin:0 0 7px;font-size:1.08rem}
.ai-intelligence-card p{margin:0 0 12px;color:var(--muted,#667085);line-height:1.55}
.ai-intelligence-card button{border:0;background:transparent;padding:0;color:#6547d8;font-weight:800;cursor:pointer;text-align:left}
.ai-intelligence-card button:hover{text-decoration:underline}
.ai-intelligence-list{display:grid;gap:9px;margin-top:4px}
.ai-intelligence-item{display:flex;gap:10px;align-items:flex-start;padding:10px 11px;border-radius:13px;background:rgba(247,247,252,.9)}
.ai-intelligence-item span{font-size:1rem;line-height:1.25}
.ai-intelligence-item div{min-width:0}
.ai-intelligence-item strong{display:block;font-size:.9rem;margin-bottom:2px}
.ai-intelligence-item small{display:block;color:var(--muted,#667085);line-height:1.35}
.ai-intelligence-note{margin:14px 2px 0;color:var(--muted,#667085);font-size:.82rem}
@media (max-width:820px){
  .ai-intelligence-center{padding:18px;border-radius:20px}
  .ai-intelligence-head{display:grid}
  .ai-intelligence-head .secondary-btn{width:100%}
  .ai-intelligence-grid{grid-template-columns:1fr}
}


/* ===== Update 14C.6: Voice + unlocked access foundation ===== */
.ai-command-voice,.floating-coach-voice{border:1px solid rgba(255,255,255,.12);background:#17213a;color:#dfe6ff;border-radius:13px;cursor:pointer;display:grid;place-items:center;transition:.18s ease}
.ai-command-voice{width:46px;height:46px;font-size:18px;flex:0 0 auto}.floating-coach-voice{width:38px;height:38px;font-size:16px;flex:0 0 auto}
.ai-command-voice:hover,.floating-coach-voice:hover{transform:translateY(-1px);border-color:#8174ff}.ai-command-voice.is-listening,.floating-coach-voice.is-listening{background:#e24a70;color:#fff;animation:voicePulse 1.1s ease-in-out infinite}
.ai-command-voice:disabled,.floating-coach-voice:disabled{opacity:.45;cursor:not-allowed}@keyframes voicePulse{50%{box-shadow:0 0 0 8px rgba(226,74,112,.14)}}
[data-theme="light"] .ai-command-voice,[data-theme="light"] .floating-coach-voice{background:#fff;color:#27324d;border-color:#dce2ef}
.access-preview-modal{position:fixed;inset:0;z-index:10050;display:grid;place-items:center;padding:20px}.access-preview-modal[hidden]{display:none}.access-preview-backdrop{position:absolute;inset:0;border:0;background:rgba(3,7,17,.76);backdrop-filter:blur(8px)}
.access-preview-dialog{position:relative;width:min(850px,100%);max-height:90vh;overflow:auto;background:#10182b;border:1px solid rgba(255,255,255,.12);border-radius:26px;padding:28px;box-shadow:0 30px 100px rgba(0,0,0,.55);color:#fff}
.access-preview-header{display:flex;justify-content:space-between;gap:24px;align-items:flex-start}.access-preview-header h2{font-size:30px;margin:5px 0 10px;line-height:1.12}.access-preview-header p{color:#aeb8d2;line-height:1.55}.access-preview-header>button{border:0;background:#1b2640;color:#fff;border-radius:11px;width:38px;height:38px;cursor:pointer}
.access-preview-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:24px 0}.access-preview-grid article{background:#151f35;border:1px solid rgba(255,255,255,.08);border-radius:18px;padding:20px}.access-preview-grid article>span{font-size:28px}.access-preview-grid h3{margin:12px 0 8px}.access-preview-grid p{color:#9eabc7;line-height:1.5;min-height:68px}.access-preview-grid strong{display:inline-flex;padding:7px 10px;border-radius:999px;background:rgba(68,214,140,.12);color:#67e3a2;font-size:12px;text-transform:uppercase;letter-spacing:.06em}
.access-preview-note{display:flex;gap:9px;flex-wrap:wrap;background:rgba(125,105,255,.12);border:1px solid rgba(125,105,255,.25);border-radius:15px;padding:15px;margin-bottom:18px}.access-preview-note span{color:#c7cee1}
[data-theme="light"] .access-preview-dialog{background:#fff;color:#17203a;border-color:#dce2ef}.access-preview-dialog>.primary-btn{width:100%}
@media(max-width:720px){.access-preview-grid{grid-template-columns:1fr}.access-preview-grid p{min-height:0}.access-preview-dialog{padding:20px}.access-preview-header h2{font-size:24px}.ai-command-voice{width:42px;height:42px}}

/* ===== Update 15.1: Mobile, overlap, accessibility, and stability polish ===== */
:root{--mh-mobile-nav-height:72px;--mh-safe-bottom:env(safe-area-inset-bottom,0px)}
html{scroll-padding-bottom:calc(var(--mh-mobile-nav-height) + var(--mh-safe-bottom) + 20px)}
button,input,select,textarea{font:inherit}
button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,[tabindex]:focus-visible{outline:3px solid rgba(129,140,248,.55);outline-offset:2px}
select{max-width:100%;text-overflow:ellipsis}
.panel-header,.metric-card,.top-account-bar,.toolbar,.filters-row{min-width:0}
.panel-header>div,.panel-header h2,.panel-header p,.metric-card>*{min-width:0}
.panel-header h2,.panel-header p,.metric-label,.metric-sub,.bill-name,.debt-name{overflow-wrap:anywhere}
.ai-explain-btn,.info-tip,.mobile-card-toggle,.mobile-panel-toggle{position:relative;z-index:2;flex:0 0 auto}
.mobile-card-toggle,.mobile-panel-toggle{display:grid;place-items:center;min-width:40px;min-height:40px;border:1px solid rgba(148,163,184,.22);border-radius:12px;background:rgba(255,255,255,.055);color:inherit;line-height:1;cursor:pointer}
.floating-coach-form{grid-template-columns:minmax(0,1fr) 42px 44px;align-items:end}
.floating-coach-form textarea{min-width:0;max-height:130px;resize:none}
.floating-coach-form button{flex:0 0 auto}
.floating-coach-panel{max-width:calc(100vw - 20px);max-height:calc(100dvh - 94px)}
body.floating-coach-open .mobile-fab{opacity:0;pointer-events:none;transform:translateY(12px)}
body.floating-coach-open .floating-coach-launcher{pointer-events:none;opacity:0}
body.mobile-keyboard-open .mobile-bottom-nav,body.mobile-keyboard-open .mobile-fab{transform:translateY(120%);pointer-events:none}
body.mobile-keyboard-open .floating-coach-panel{bottom:8px}

@media(max-width:760px){
  body{padding-bottom:calc(var(--mh-mobile-nav-height) + var(--mh-safe-bottom) + 18px)}
  .mobile-bottom-nav{height:calc(var(--mh-mobile-nav-height) + var(--mh-safe-bottom));padding-bottom:var(--mh-safe-bottom)}
  .mobile-fab{bottom:calc(var(--mh-mobile-nav-height) + var(--mh-safe-bottom) + 12px);right:14px;max-width:calc(100vw - 28px);transition:opacity .18s ease,transform .18s ease}
  .floating-coach{right:12px;bottom:calc(var(--mh-mobile-nav-height) + var(--mh-safe-bottom) + 10px)}
  .floating-coach-panel{inset:calc(58px + env(safe-area-inset-top,0px)) 8px calc(var(--mh-mobile-nav-height) + var(--mh-safe-bottom) + 6px);width:auto;height:auto;max-width:none;max-height:none;border-radius:18px}
  .floating-coach-form{position:relative;z-index:4;padding:10px;gap:8px;background:rgba(17,18,32,.99);padding-bottom:max(10px,env(safe-area-inset-bottom,0px))}
  .floating-coach-form textarea{min-height:44px;max-height:108px;padding:11px 12px}
  .floating-coach-form button,.ai-command-composer button{min-width:44px;min-height:44px}
  .floating-coach-footer{padding-bottom:max(10px,env(safe-area-inset-bottom,0px))}
  .panel-header{position:relative;align-items:flex-start;gap:8px;padding-right:0}
  .panel-header.compact{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:start}
  .panel-header .ai-explain-btn{max-width:110px;white-space:nowrap}
  .panel-header .mobile-panel-toggle{grid-column:2;grid-row:1;align-self:start;margin-left:4px}
  .panel-header .ai-explain-btn+.mobile-panel-toggle{margin-top:46px}
  .metric-card{position:relative;padding-right:54px}
  .metric-card>.mobile-card-toggle{position:absolute;right:10px;top:10px;margin:0}
  .metric-card .metric-label{padding-right:2px}
  .filters-row,.toolbar,.debt-toolbar{display:flex;flex-wrap:wrap;gap:8px}
  .filters-row>* ,.toolbar>* ,.debt-toolbar>*{min-width:0;max-width:100%}
  .filters-row select,.toolbar select,.debt-toolbar select{flex:1 1 145px}
  .modal-card{max-height:calc(100dvh - 24px);overflow:auto;overscroll-behavior:contain}
  .modal{padding:12px;padding-top:max(12px,env(safe-area-inset-top,0px));padding-bottom:max(12px,env(safe-area-inset-bottom,0px))}
  .ai-command-composer-shell{padding-bottom:max(0px,env(safe-area-inset-bottom,0px))}
  .ai-command-composer{grid-template-columns:minmax(0,1fr) 44px 46px;align-items:end}
  .ai-command-input-wrap textarea{min-width:0;max-height:140px}
  .bill-card,.debt-card,.todo-card,.savings-card{overflow:hidden}
  table{min-width:680px}
  .table-wrap,.bills-table-wrap,.debt-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
}

@media(max-width:420px){
  .panel-header.compact{grid-template-columns:minmax(0,1fr) 42px}
  .panel-header .ai-explain-btn{grid-column:1/-1;justify-self:start;max-width:none;margin-top:4px}
  .panel-header .ai-explain-btn+.mobile-panel-toggle{grid-column:2;grid-row:1;margin-top:0}
  .floating-coach-panel{left:6px;right:6px}
  .floating-coach-header{padding:11px 12px}
  .floating-coach-context{padding:7px 12px}
  .floating-coach-messages{padding:12px}
}

@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}


/* Update 15.2 — AI & Layout Organization (layout only) */
#activityPage .activity-hero{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;flex-wrap:wrap}
#activityPage .activity-hero>div{min-width:0;flex:1 1 420px}
#activityPage #clearActivityBtn{flex:0 0 auto;margin-left:auto;position:relative;z-index:1}
#debtCenterPage .debt-head-actions{display:flex;align-items:center;justify-content:flex-end;gap:10px;flex-wrap:wrap}
#debtCenterPage .debt-head-actions #addDebtBtn{margin:0;white-space:nowrap}
.floating-coach{bottom:46px}
@media(max-width:720px){
  #activityPage .activity-hero{align-items:stretch}
  #activityPage #clearActivityBtn{width:100%;margin-left:0}
  #debtCenterPage .debt-head-actions{width:100%;justify-content:space-between}
  .floating-coach{bottom:calc(var(--mh-mobile-nav-height) + var(--mh-safe-bottom) + 34px)}
}

/* 15.2.2 — Activity header overlap hotfix only */
@media(min-width:761px){
  #activityPage #clearActivityBtn{margin-top:58px}
}
@media(max-width:1050px) and (min-width:761px){
  #activityPage #clearActivityBtn{margin-top:64px}
}
@media(max-width:760px){
  #activityPage #clearActivityBtn{margin-top:0}
}


/* ===== Update 15.3: AI Command Center 2.0 ===== */
.ai-coach-hero-v153{margin-bottom:14px}
.ai-command-shell-v153{display:grid;grid-template-columns:250px minmax(0,1fr);min-height:720px;border:1px solid rgba(93,124,170,.28);border-radius:24px;overflow:hidden;background:linear-gradient(145deg,rgba(9,20,37,.97),rgba(10,24,43,.98));box-shadow:0 24px 70px rgba(0,0,0,.28)}
.ai-chat-sidebar{display:flex;flex-direction:column;gap:18px;padding:16px 12px;border-right:1px solid rgba(93,124,170,.22);background:rgba(5,14,27,.72);min-width:0}
.ai-sidebar-new-chat{display:flex;align-items:center;gap:10px;width:100%;border:1px solid rgba(99,225,197,.35);border-radius:13px;padding:11px 13px;background:rgba(54,211,181,.09);color:#f4fbff;font-weight:800;cursor:pointer;text-align:left}
.ai-sidebar-new-chat:hover{background:rgba(54,211,181,.15);border-color:rgba(99,225,197,.62)}
.ai-sidebar-section{min-width:0}.ai-sidebar-heading{display:flex;align-items:center;justify-content:space-between;padding:0 7px 7px;color:#8da0ba;font-size:.68rem;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.ai-sidebar-heading button{border:0;background:transparent;color:#7f93ad;cursor:pointer;font-size:1rem}
.ai-conversation-history{display:grid;gap:5px;max-height:335px;overflow:auto}.ai-history-group{display:grid;gap:4px}.ai-history-group h3{margin:10px 7px 3px;color:#7186a2;font-size:.62rem;text-transform:uppercase;letter-spacing:.08em}.ai-history-item{display:grid;grid-template-columns:auto minmax(0,1fr);gap:8px;align-items:center;width:100%;border:0;border-radius:9px;padding:8px 9px;background:transparent;color:#bac9da;text-align:left;cursor:pointer;font-size:.73rem}.ai-history-item span:last-child{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.ai-history-item:hover,.ai-history-item.active{background:rgba(255,255,255,.065);color:#fff}.ai-history-empty{padding:10px 8px;color:#71849d;font-size:.72rem}
.ai-template-section{margin-top:auto}.ai-template-section>button{display:flex;width:100%;border:0;border-radius:9px;padding:8px 9px;background:transparent;color:#aebed1;text-align:left;cursor:pointer;font-size:.71rem}.ai-template-section>button:hover{background:rgba(255,255,255,.055);color:#fff}
.ai-chat-main-v153{display:flex;flex-direction:column;min-width:0;min-height:720px}.ai-chat-topbar-v153{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 18px;border-bottom:1px solid rgba(93,124,170,.18);background:rgba(7,17,31,.55)}
.ai-command-conversation-v153{flex:1;min-height:340px;max-height:470px;margin:0;padding:28px clamp(18px,4vw,48px)!important;border:0!important;border-radius:0!important;background:transparent!important;overflow-y:auto}
.ai-capability-board{margin:0 18px 14px;padding:16px;border:1px solid rgba(93,124,170,.2);border-radius:18px;background:rgba(255,255,255,.025)}.ai-capability-board-head{display:flex;align-items:flex-end;justify-content:space-between;gap:18px;margin-bottom:12px}.ai-capability-board-head h2{margin:3px 0 0;font-size:1rem}.ai-capability-board-head p{margin:0;max-width:420px;color:#8fa2ba;font-size:.72rem;text-align:right}.ai-capability-grid-v153{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}.ai-capability-grid-v153 button{display:grid;grid-template-columns:auto 1fr;grid-template-areas:"icon title" "icon desc";gap:2px 9px;align-items:start;border:1px solid rgba(93,124,170,.2);border-radius:13px;padding:11px;background:rgba(8,22,40,.72);color:#dbe7f4;text-align:left;cursor:pointer}.ai-capability-grid-v153 button:hover{transform:translateY(-1px);border-color:rgba(88,210,188,.46);background:rgba(50,196,170,.07)}.ai-capability-grid-v153 button>span{grid-area:icon;font-size:1.05rem}.ai-capability-grid-v153 strong{grid-area:title;font-size:.73rem}.ai-capability-grid-v153 small{grid-area:desc;color:#7f94ad;font-size:.63rem;line-height:1.35}
.ai-command-composer-shell-v153{margin-top:auto;padding:0 18px 14px}.ai-command-composer-shell-v153 .ai-command-composer{margin:0}.ai-command-composer-shell-v153 textarea{min-height:40px;max-height:130px;white-space:pre-wrap}
[data-theme="light"] .ai-command-shell-v153{background:#f7f9fc;border-color:#d8e1ec}.theme-light .ai-command-shell-v153{background:#f7f9fc}.theme-light .ai-chat-sidebar,[data-theme="light"] .ai-chat-sidebar{background:#edf2f7;border-color:#d8e1ec}.theme-light .ai-history-item,[data-theme="light"] .ai-history-item{color:#42536a}.theme-light .ai-history-item:hover,.theme-light .ai-history-item.active,[data-theme="light"] .ai-history-item:hover,[data-theme="light"] .ai-history-item.active{background:#fff;color:#12243b}.theme-light .ai-template-section>button,[data-theme="light"] .ai-template-section>button{color:#42536a}.theme-light .ai-chat-topbar-v153,[data-theme="light"] .ai-chat-topbar-v153{background:#fff;border-color:#dfe6ef}.theme-light .ai-capability-board,[data-theme="light"] .ai-capability-board{background:#fff;border-color:#dfe6ef}.theme-light .ai-capability-grid-v153 button,[data-theme="light"] .ai-capability-grid-v153 button{background:#f7f9fc;color:#1e314a;border-color:#dde5ee}
@media(max-width:980px){.ai-command-shell-v153{grid-template-columns:210px minmax(0,1fr)}.ai-capability-grid-v153{grid-template-columns:repeat(2,minmax(0,1fr))}.ai-capability-board-head{align-items:flex-start;flex-direction:column}.ai-capability-board-head p{text-align:left}}
@media(max-width:720px){.ai-command-shell-v153{display:block;min-height:0;border-radius:20px}.ai-chat-sidebar{border-right:0;border-bottom:1px solid rgba(93,124,170,.22);padding:12px}.ai-sidebar-section.ai-template-section{display:none}.ai-conversation-history{display:flex;max-height:none;overflow-x:auto;padding-bottom:2px}.ai-history-group{display:contents}.ai-history-group h3{display:none}.ai-history-item{flex:0 0 170px}.ai-chat-main-v153{min-height:650px}.ai-chat-topbar-v153{padding:12px}.ai-command-conversation-v153{min-height:300px;max-height:420px;padding:20px 13px!important}.ai-capability-board{margin:0 10px 10px;padding:12px}.ai-capability-grid-v153{grid-template-columns:1fr 1fr}.ai-capability-grid-v153 button{padding:9px}.ai-command-composer-shell-v153{padding:0 10px 12px}}
@media(max-width:480px){.ai-capability-grid-v153{grid-template-columns:1fr}.ai-capability-board-head p{display:none}.ai-chat-topbar-v153 .ai-command-new-chat{font-size:.68rem;padding:8px}.ai-coach-hero-v153 h1{font-size:1.75rem}}

/* ===== 15.4 — Final beta mobile and QA polish ===== */
:root{
  --mh-safe-top:env(safe-area-inset-top,0px);
  --mh-safe-right:env(safe-area-inset-right,0px);
  --mh-safe-left:env(safe-area-inset-left,0px);
}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{min-height:100dvh}
button,[role="button"],a,input,select,textarea{-webkit-tap-highlight-color:transparent}
button{touch-action:manipulation}
.toast-container{top:max(20px,calc(var(--mh-safe-top) + 12px));right:max(20px,calc(var(--mh-safe-right) + 12px))}
.moneyhub-toast.toast-pulse{animation:mhToastPulse .24s ease}
@keyframes mhToastPulse{50%{transform:translateX(0) scale(1.025)}}
.onboarding-card{max-height:min(760px,calc(100dvh - 32px));overscroll-behavior:contain;-webkit-overflow-scrolling:touch}
.modal-card,.floating-coach-messages,.ai-command-messages{scrollbar-gutter:stable}

@media(max-width:760px){
  .mobile-app-header{height:calc(58px + var(--mh-safe-top));padding-top:var(--mh-safe-top);padding-left:max(16px,var(--mh-safe-left));padding-right:max(16px,var(--mh-safe-right))}
  .app-shell,.content,.main-content{min-width:0;max-width:100%}
  .toast-container{top:calc(var(--mh-safe-top) + 66px);left:max(10px,var(--mh-safe-left));right:max(10px,var(--mh-safe-right));width:auto;gap:8px}
  .moneyhub-toast{grid-template-columns:32px minmax(0,1fr) 34px;min-height:52px;max-width:100%;padding:9px 10px}
  .toast-close{width:34px;height:34px}
  .mobile-menu-btn,.mobile-account-btn,.mobile-nav-item,.section-add-btn,.mobile-fab{min-width:44px;min-height:44px}
  .mobile-card-toggle,.mobile-panel-toggle{font-family:Arial,sans-serif;font-size:20px;font-weight:900}
  .mobile-panel-collapsed>*:not(.panel-header){display:none!important}
  .modal{align-items:flex-end;padding-left:max(8px,var(--mh-safe-left));padding-right:max(8px,var(--mh-safe-right))}
  .modal-card{width:100%;max-height:calc(var(--mh-viewport-height,100dvh) - var(--mh-safe-top) - 8px);padding-bottom:max(20px,calc(var(--mh-safe-bottom) + 14px))}
  .modal-card input,.modal-card select,.modal-card textarea,.ai-command-input-wrap textarea,.floating-coach-form textarea{font-size:16px!important}
  .onboarding-overlay{padding:var(--mh-safe-top) max(10px,var(--mh-safe-right)) max(10px,var(--mh-safe-bottom)) max(10px,var(--mh-safe-left));align-items:end}
  .onboarding-card{width:100%;max-height:calc(var(--mh-viewport-height,100dvh) - var(--mh-safe-top) - var(--mh-safe-bottom) - 8px);border-radius:24px 24px 16px 16px;padding-bottom:max(20px,calc(var(--mh-safe-bottom) + 14px))}
  .floating-coach{right:max(12px,var(--mh-safe-right))}
  .floating-coach-panel{top:calc(58px + var(--mh-safe-top));left:max(6px,var(--mh-safe-left));right:max(6px,var(--mh-safe-right));bottom:calc(var(--mh-mobile-nav-height) + var(--mh-safe-bottom) + 6px)}
  body.mobile-keyboard-open .floating-coach-panel{top:max(6px,var(--mh-safe-top));bottom:6px}
  body.mobile-keyboard-open .toast-container{top:max(8px,var(--mh-safe-top))}
  .panel-header .ai-explain-btn,.panel-header .mobile-panel-toggle{z-index:4}
  .panel-header{isolation:isolate}
}

@media(min-width:761px) and (max-width:1100px){
  .content,.main-content{min-width:0}
  .top-grid,.settings-dashboard,.ai-command-layout{min-width:0}
}

@media(orientation:landscape) and (max-height:540px) and (max-width:900px){
  .mobile-app-header{position:relative}
  .onboarding-card,.modal-card{max-height:calc(100dvh - 8px)}
  .floating-coach-panel{top:6px;bottom:6px}
}

/* ===== Update 15.4.2: Active Bills real AI Coach (read-only phase) ===== */
.active-bills-ai-chat{display:flex;flex-direction:column;gap:10px;min-height:300px;max-height:420px;overflow-y:auto;padding:14px;background:#0b1728}
.active-bills-ai-message{max-width:88%;padding:10px 12px;border-radius:15px;font-size:12px;line-height:1.5;white-space:pre-wrap;overflow-wrap:anywhere}
.active-bills-ai-message.assistant{align-self:flex-start;background:rgba(124,92,255,.15);border:1px solid rgba(167,139,250,.22);border-bottom-left-radius:5px}
.active-bills-ai-message.user{align-self:flex-end;background:linear-gradient(135deg,#6d4aff,#7457d9);color:#fff;border-bottom-right-radius:5px}
.active-bills-ai-message.error{background:rgba(244,63,94,.12);border-color:rgba(244,63,94,.25)}
.active-bills-ai-message.thinking{display:flex;gap:5px;align-items:center;color:#bcb5ce}
.active-bills-ai-message.thinking i{width:6px;height:6px;border-radius:50%;background:#a78bfa;animation:coachPulse 1s infinite alternate}
.active-bills-ai-message.thinking i:nth-child(2){animation-delay:.16s}.active-bills-ai-message.thinking i:nth-child(3){animation-delay:.32s}
.active-bills-ai-prompts{margin-top:0}
.ai-new-chat-btn{border:1px solid #334b6c;background:#102039;color:#dce6f3;border-radius:11px;padding:0 12px;font-weight:750;cursor:pointer}
[data-theme="light"] .active-bills-ai-chat{background:#f4f7fb}
[data-theme="light"] .active-bills-ai-message.assistant{background:#f2efff;border-color:#ded6ff;color:#334155}
[data-theme="light"] .ai-new-chat-btn{background:#f4f7fb;color:#334155;border-color:#d6e0eb}
@media(max-width:700px){.active-bills-ai-chat{min-height:280px;max-height:52vh}.active-bills-ai-message{max-width:94%}}

/* ===== Update 15.4.3: Confirmed Active Bills AI actions ===== */
.active-bills-ai-action-draft{margin:0;border:1px solid rgba(124,92,255,.34);background:linear-gradient(145deg,rgba(32,24,70,.96),rgba(12,25,43,.98));border-radius:16px;padding:13px}
.active-bills-ai-message.success{border-color:rgba(45,212,191,.35);background:rgba(20,184,166,.12)}
.active-bills-ai-message.success .ai-action-undo{margin-left:10px;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.08);color:inherit;border-radius:8px;padding:5px 9px;font-weight:800;cursor:pointer}
[data-theme="light"] .active-bills-ai-action-draft{background:#f8f7ff;border-color:#dcd5ff}

/* ===== 15.4.5c Hotfix: keep the dedicated Ask MoneyHub composer visible ===== */
#askAiPage .ai-chat-main-v153{
  min-height:0;
}

#askAiPage .ai-command-conversation-v153{
  min-height:260px;
  max-height:min(52dvh,560px);
  overscroll-behavior:contain;
  -webkit-overflow-scrolling:touch;
}

#askAiPage .ai-command-composer-shell-v153{
  position:sticky;
  bottom:0;
  z-index:25;
  margin-top:0;
  padding:10px 18px max(14px,env(safe-area-inset-bottom,0px));
  background:linear-gradient(180deg,rgba(9,20,37,.92),rgba(9,20,37,.99) 34%);
  border-top:1px solid rgba(93,124,170,.22);
  box-shadow:0 -14px 28px rgba(0,0,0,.22);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
}

[data-theme="light"] #askAiPage .ai-command-composer-shell-v153,
.theme-light #askAiPage .ai-command-composer-shell-v153{
  background:linear-gradient(180deg,rgba(247,249,252,.94),rgba(247,249,252,.99) 34%);
  border-top-color:#dfe6ef;
  box-shadow:0 -12px 24px rgba(44,62,80,.10);
}

@media(max-width:720px){
  #askAiPage .ai-command-conversation-v153{
    min-height:240px;
    max-height:46dvh;
  }

  #askAiPage .ai-command-composer-shell-v153{
    bottom:0;
    padding:9px 10px max(12px,env(safe-area-inset-bottom,0px));
  }

  #askAiPage .ai-command-composer{
    position:relative;
  }
}

@supports(height:100svh){
  @media(max-width:720px){
    #askAiPage .ai-command-conversation-v153{
      max-height:calc(100svh - 390px);
    }
  }
}

/* ===== 15.4.5d: true fixed composer for dedicated Ask MoneyHub AI page ===== */
#askAiPage .ai-command-shell-v153{
  height:clamp(560px,calc(100dvh - 190px),820px);
  min-height:0;
}

#askAiPage .ai-chat-main-v153{
  height:100%;
  min-height:0;
  overflow:hidden;
}

#askAiPage .ai-full-scroll-region{
  flex:1 1 auto;
  min-height:0;
  overflow-y:auto;
  overscroll-behavior:contain;
  -webkit-overflow-scrolling:touch;
  scrollbar-gutter:stable;
}

#askAiPage .ai-command-conversation-v153{
  min-height:260px;
  max-height:none;
  overflow:visible;
}

#askAiPage .ai-command-composer-shell-v153{
  position:relative;
  flex:0 0 auto;
  bottom:auto;
  margin-top:0;
}

@media(max-width:720px){
  #askAiPage .ai-command-shell-v153{
    height:calc(var(--mh-viewport-height,100dvh) - 150px - var(--mh-mobile-nav-height,68px) - var(--mh-safe-top,0px) - var(--mh-safe-bottom,0px));
    min-height:480px;
    max-height:760px;
  }

  #askAiPage .ai-chat-sidebar{
    flex:0 0 auto;
    max-height:112px;
    overflow:hidden;
  }

  #askAiPage .ai-chat-main-v153{
    min-height:0;
    height:calc(100% - 112px);
  }

  #askAiPage .ai-command-conversation-v153{
    min-height:220px;
    max-height:none;
  }

  #askAiPage .ai-command-composer-shell-v153{
    padding-bottom:max(12px,var(--mh-safe-bottom,env(safe-area-inset-bottom,0px)));
  }
}

@media(max-width:480px){
  #askAiPage .ai-command-shell-v153{
    min-height:440px;
  }
}

/* 18.1 — manual paycheck assignment */
.paycheck-btn { border-color: rgba(124, 92, 255, .35); background: rgba(124, 92, 255, .10); }
.paycheck-btn:hover { background: rgba(124, 92, 255, .17); }
#billPaycheckSourceField { padding: 12px; border: 1px solid rgba(124, 92, 255, .16); border-radius: 12px; background: rgba(124, 92, 255, .045); }