*, *::before, *::after { box-sizing: border-box; }

:root {
  --paper: #f6f4ef;
  --card: #fffefa;
  --ink: #16160f;
  --ink-soft: #3d3d33;
  --muted: #73736a;
  --line: #e2ddd3;
  --line-soft: #ece8df;
  --accent: #1d6b4f;
  --accent-ink: #ffffff;
  --mpf: #b9b3a4;
  --tax: #a4553c;
  --b-essentials: #2a2a24;
  --b-fun: #c98a2b;
  --b-debt: #a4553c;
  --b-save: #3f6f9e;
  --b-invest: #1d6b4f;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(22, 22, 15, .04), 0 8px 24px -18px rgba(22, 22, 15, .35);
}

@media (prefers-color-scheme: dark) {
  :root {
    --paper: #101110;
    --card: #191a17;
    --ink: #f2f0e9;
    --ink-soft: #d3d0c6;
    --muted: #93948a;
    --line: #2c2e28;
    --line-soft: #232520;
    --accent: #4fbf94;
    --accent-ink: #0d1a14;
    --mpf: #5a5b52;
    --tax: #cc7a5e;
    --b-essentials: #e8e5db;
    --b-fun: #e0aa55;
    --b-debt: #cc7a5e;
    --b-save: #7ba6cd;
    --b-invest: #4fbf94;
    --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 10px 30px -20px rgba(0, 0, 0, .8);
  }
}

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  font-variant-numeric: tabular-nums;
}

.wrap {
  max-width: 940px;
  margin: 0 auto;
  padding: 56px 24px 96px;
}

/* ---------- header ---------- */
.head { margin-bottom: 40px; }

.eyebrow {
  margin: 0 0 14px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
}

h1 {
  margin: 0 0 18px;
  font-size: clamp(34px, 6vw, 52px);
  line-height: 1.02;
  letter-spacing: -.03em;
  font-weight: 640;
}

.lede {
  margin: 0;
  max-width: 58ch;
  color: var(--ink-soft);
  font-size: 16px;
}

/* ---------- panels ---------- */
.panel {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 24px;
  margin-bottom: 16px;
  box-shadow: var(--shadow);
}

.field-label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 10px;
}

.money-field {
  display: flex;
  align-items: baseline;
  gap: 8px;
  border-bottom: 2px solid var(--line);
  padding-bottom: 8px;
  transition: border-color .15s;
}
.money-field:focus-within { border-color: var(--accent); }

.cur { font-size: 22px; color: var(--muted); font-weight: 500; }

#income {
  flex: 1;
  min-width: 0;
  border: 0;
  background: transparent;
  color: var(--ink);
  font: inherit;
  font-size: clamp(34px, 7vw, 46px);
  font-weight: 620;
  letter-spacing: -.025em;
  padding: 0;
  outline: none;
}
#income::-webkit-outer-spin-button,
#income::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
#income { -moz-appearance: textfield; }

.switches { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }

.switch {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: var(--ink-soft);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 7px 14px 7px 11px;
  cursor: pointer;
  user-select: none;
}
.switch input { accent-color: var(--accent); width: 15px; height: 15px; cursor: pointer; }
.switch:has(input:checked) { border-color: color-mix(in srgb, var(--accent) 45%, var(--line)); }

/* ---------- waterfall ---------- */
.panel-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; margin-bottom: 16px; }

h2 { margin: 0; font-size: 15px; font-weight: 640; letter-spacing: -.01em; }

.hint { margin: 0; font-size: 13px; color: var(--muted); text-align: right; }

.bar {
  display: flex;
  height: 12px;
  border-radius: 6px;
  overflow: hidden;
  background: var(--line-soft);
  margin-bottom: 18px;
}
.bar span { display: block; height: 100%; transition: width .28s ease; }

.wf { list-style: none; margin: 0; padding: 0; }
.wf-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 9px 0;
  border-bottom: 1px solid var(--line-soft);
  font-size: 15px;
}
.wf-row:last-child { border-bottom: 0; }
.wf-row .k { display: flex; align-items: center; gap: 8px; color: var(--ink-soft); }
.wf-row.sub { font-size: 14px; }
.wf-row.sub .k { color: var(--muted); }
.wf-row.sub .v { color: var(--muted); }
.wf-row.total { font-size: 17px; font-weight: 640; border-top: 1px solid var(--line); margin-top: 2px; padding-top: 12px; }
.wf-row.total .k { color: var(--ink); font-weight: 640; }

.dot { width: 8px; height: 8px; border-radius: 3px; display: inline-block; }
.dot-mpf { background: var(--mpf); }
.dot-tax { background: var(--tax); }

/* ---------- buckets ---------- */
.buckets-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; margin: 34px 4px 14px; }
.buckets-head h2 { font-size: 15px; }

.buckets { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin-bottom: 20px; }
@media (max-width: 680px) { .buckets { grid-template-columns: 1fr; } }

.bucket {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 18px 14px;
  box-shadow: var(--shadow);
}
.bucket[data-key="essentials"] { grid-column: 1 / -1; }

.b-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.b-name { display: flex; align-items: center; gap: 9px; margin: 0; font-size: 14px; font-weight: 600; letter-spacing: -.005em; }
.b-amount { margin: 6px 0 0 17px; font-size: 26px; font-weight: 620; letter-spacing: -.02em; }

.pct-input {
  display: inline-flex;
  align-items: center;
  gap: 2px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 3px 7px;
  font-size: 13px;
  color: var(--muted);
  background: var(--paper);
}
.pct-input input {
  width: 34px;
  border: 0;
  background: transparent;
  color: var(--ink);
  font: inherit;
  font-size: 13px;
  text-align: right;
  outline: none;
  font-variant-numeric: tabular-nums;
}
.pct-input input::-webkit-outer-spin-button,
.pct-input input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

.b-toggle {
  margin: 14px 0 0 17px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: 0;
  padding: 4px 0;
  font: inherit;
  font-size: 13px;
  color: var(--muted);
  cursor: pointer;
  border-bottom: 1px solid transparent;
}
.b-toggle:hover { color: var(--accent); border-color: color-mix(in srgb, var(--accent) 40%, transparent); }
.b-toggle .caret { transition: transform .18s ease; display: inline-block; font-size: 10px; }
.bucket.open .b-toggle .caret { transform: rotate(90deg); }

.b-detail { display: none; margin-top: 14px; border-top: 1px solid var(--line-soft); padding-top: 12px; }
.bucket.open .b-detail { display: block; }

.items { list-style: none; margin: 0 0 10px; padding: 0; display: grid; gap: 6px; }

.item { display: grid; grid-template-columns: 1fr 108px 26px; gap: 6px; align-items: center; }

.item input {
  border: 1px solid transparent;
  background: var(--paper);
  border-radius: 8px;
  padding: 8px 10px;
  font: inherit;
  font-size: 14px;
  color: var(--ink);
  min-width: 0;
  outline: none;
  transition: border-color .12s, background .12s;
}
.item input:hover { border-color: var(--line); }
.item input:focus { border-color: color-mix(in srgb, var(--accent) 55%, var(--line)); background: var(--card); }
.item input.amt { text-align: right; font-variant-numeric: tabular-nums; }
.item input::-webkit-outer-spin-button,
.item input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

.item-del {
  border: 0;
  background: none;
  color: var(--muted);
  font-size: 17px;
  line-height: 1;
  cursor: pointer;
  padding: 4px;
  border-radius: 6px;
}
.item-del:hover { color: var(--b-debt); background: var(--paper); }

.b-foot { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
.add-line {
  border: 1px dashed var(--line);
  background: none;
  color: var(--ink-soft);
  font: inherit;
  font-size: 13px;
  padding: 7px 12px;
  border-radius: 8px;
  cursor: pointer;
}
.add-line:hover { border-color: var(--accent); color: var(--accent); }
.variance { font-size: 13px; color: var(--muted); }
.variance.over { color: var(--b-debt); }
.variance.done { color: var(--b-invest); }

/* ---------- assumptions ---------- */
.assumptions { padding: 0; }
.assumptions summary {
  cursor: pointer;
  padding: 18px 24px;
  font-size: 14px;
  font-weight: 600;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.assumptions summary::-webkit-details-marker { display: none; }
.assumptions summary::after { content: "+"; color: var(--muted); font-weight: 400; font-size: 18px; }
.assumptions details[open] summary::after { content: "–"; }
.assume-body { padding: 0 24px 22px; border-top: 1px solid var(--line-soft); padding-top: 18px; }

.grid2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin-bottom: 16px; }
@media (max-width: 560px) { .grid2 { grid-template-columns: 1fr; } }

.mini-field { display: block; font-size: 12px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.mini-field input {
  display: block;
  width: 100%;
  margin-top: 7px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  padding: 9px 11px;
  font: inherit;
  font-size: 15px;
  font-weight: 500;
  letter-spacing: 0;
  color: var(--ink);
  text-transform: none;
  outline: none;
}
.mini-field input:focus { border-color: color-mix(in srgb, var(--accent) 55%, var(--line)); }

.fine { margin: 0; font-size: 13px; line-height: 1.62; color: var(--muted); }

/* ---------- toolbar ---------- */
.toolbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin: 26px 0 18px;
}
.toolbar-left, .toolbar-right { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }

.btn {
  font: inherit;
  font-size: 14px;
  font-weight: 550;
  padding: 9px 15px;
  border-radius: 9px;
  border: 1px solid var(--line);
  background: var(--card);
  color: var(--ink);
  cursor: pointer;
  transition: background .12s, border-color .12s, transform .06s;
}
.btn:hover { border-color: color-mix(in srgb, var(--ink) 25%, var(--line)); }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); }
.btn-primary:hover { background: color-mix(in srgb, var(--accent) 88%, #000); border-color: transparent; }
.btn-quiet { border-color: transparent; color: var(--muted); background: none; }
.btn-quiet:hover { color: var(--b-debt); }

.saved { font-size: 12.5px; color: var(--muted); }

.foot-note {
  margin: 0;
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--muted);
  max-width: 62ch;
  border-top: 1px solid var(--line-soft);
  padding-top: 16px;
}

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}