/* Household Wealth Profiler
   Layout: navy application bar, left rail of input stages and outputs, single working column.
   Palette: navy and slate with a brass accent used sparingly (brand mark, section rules). */
:root{
  --bg:#F4F6F9; --surface:#FFFFFF; --sunk:#EEF1F5; --ink:#0E1B2C; --muted:#5A6A7E; --line:#DDE3EA; --line-strong:#C6CFDA;
  --accent:#163A63; --accent-hover:#0F2C4D; --accent-ink:#FFFFFF; --accent-soft:#E7EEF7;
  --brass:#A8834A; --brass-soft:#F5EEE2;
  --head:#163A63; --head-hover:#0F2C4D; --head-ink:#FFFFFF;
  --bar:#0C1E35; --bar-ink:#E9EEF5; --bar-muted:#93A4BA; --bar-line:rgba(255,255,255,.14);
  --asset:#1F4E79; --asset2:#8FB0CF; --liab:#A65A33; --liab2:#D29C7C; --liab3:#EACDBB; --hc:#2C7873; --pen:#5E5A9E;
  --good:#1D7350; --warn:#9A6200; --bad:#B42318;
  --good-soft:#E6F2EC; --warn-soft:#FBF1E0; --bad-soft:#FBE9E7;
  --shadow:0 1px 2px rgba(14,27,44,.05),0 1px 3px rgba(14,27,44,.06);
  --shadow-lg:0 4px 16px rgba(14,27,44,.08);
  --radius:8px;
  --f-display:"Source Serif 4", Georgia, "Times New Roman", serif;
  --f-body:"Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
  --f-num:"Inter", "Segoe UI", system-ui, sans-serif;
  --f-mono:"IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0A111C; --surface:#111B2A; --sunk:#0C1522; --ink:#E5EBF3; --muted:#93A3B8; --line:#223047; --line-strong:#2E3F5A;
  --accent:#8CB8E8; --accent-hover:#A9CBF0; --accent-ink:#0A111C; --accent-soft:#17283F;
  --brass:#C9A56B; --brass-soft:#2A2418;
  --head:#1C3658; --head-hover:#254670; --head-ink:#EAF1FA;
  --bar:#070D17; --bar-ink:#E5EBF3; --bar-muted:#8494AA; --bar-line:rgba(255,255,255,.10);
  --asset:#7FAEDB; --asset2:#3B6189; --liab:#E39C74; --liab2:#9E6447; --liab3:#5C4033; --hc:#5FB3AB; --pen:#A19DE0;
  --good:#5CC28F; --warn:#E3AE57; --bad:#F08070;
  --good-soft:#12291F; --warn-soft:#2B2213; --bad-soft:#2E1715;
  --shadow:0 1px 2px rgba(0,0,0,.3); --shadow-lg:0 4px 16px rgba(0,0,0,.35); color-scheme:dark;}}
:root[data-theme="dark"]{
  --bg:#0A111C; --surface:#111B2A; --sunk:#0C1522; --ink:#E5EBF3; --muted:#93A3B8; --line:#223047; --line-strong:#2E3F5A;
  --accent:#8CB8E8; --accent-hover:#A9CBF0; --accent-ink:#0A111C; --accent-soft:#17283F;
  --brass:#C9A56B; --brass-soft:#2A2418;
  --head:#1C3658; --head-hover:#254670; --head-ink:#EAF1FA;
  --bar:#070D17; --bar-ink:#E5EBF3; --bar-muted:#8494AA; --bar-line:rgba(255,255,255,.10);
  --asset:#7FAEDB; --asset2:#3B6189; --liab:#E39C74; --liab2:#9E6447; --liab3:#5C4033; --hc:#5FB3AB; --pen:#A19DE0;
  --good:#5CC28F; --warn:#E3AE57; --bad:#F08070;
  --good-soft:#12291F; --warn-soft:#2B2213; --bad-soft:#2E1715;
  --shadow:0 1px 2px rgba(0,0,0,.3); --shadow-lg:0 4px 16px rgba(0,0,0,.35); color-scheme:dark;}
*{box-sizing:border-box}
body{background:var(--bg);color:var(--ink);font:14px/1.5 var(--f-body);margin:0;font-feature-settings:"cv11","ss01";-webkit-font-smoothing:antialiased}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}

/* ---------- application bar ---------- */
.top{position:sticky;top:0;z-index:10;background:var(--bar);color:var(--bar-ink);padding-top:env(safe-area-inset-top,0px);box-shadow:inset 0 -1px 0 var(--bar-line)}
.top-in{display:flex;flex-wrap:wrap;gap:10px 20px;align-items:center;justify-content:space-between;padding:10px 20px;max-width:1360px;margin:0 auto}
.brand{display:flex;align-items:center;gap:12px;min-width:0}
.brand .mark{flex:none;width:34px;height:34px;display:block}
.brand-t{display:flex;flex-direction:column;min-width:0}
.brand h1{font:600 17px/1.15 var(--f-display);margin:0;letter-spacing:.005em;color:#fff}
.brand span{color:var(--bar-muted);font-size:12px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.actions{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.who{display:flex;align-items:center;gap:6px;font-size:12.5px;color:var(--bar-muted)}
.who b{color:var(--bar-ink);font-weight:600}
.who input{width:140px;border:1px solid var(--bar-line);background:rgba(255,255,255,.06);color:var(--bar-ink);border-radius:6px;padding:5px 8px;font-size:12.5px}
.save{font-size:12px;color:var(--bar-muted);white-space:nowrap;padding:0 4px}
.save.err{color:#F5A397}
.top .btn{background:transparent;color:var(--bar-ink);border-color:var(--bar-line)}
.top .btn:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.3)}
.top .btn.ghost{border-color:transparent;color:var(--bar-muted)}
.top .btn.ghost:hover{color:#fff;background:rgba(255,255,255,.08)}

/* ---------- buttons ---------- */
.btn{border:1px solid var(--line-strong);background:var(--surface);border-radius:6px;padding:7px 13px;cursor:pointer;font-weight:500;font-size:13px;white-space:nowrap;transition:background .12s,border-color .12s,color .12s}
.btn:hover{border-color:var(--accent);color:var(--accent)}
.btn.primary{background:var(--accent);color:var(--accent-ink);border-color:var(--accent)}
.btn.primary:hover{background:var(--accent-hover);border-color:var(--accent-hover);color:var(--accent-ink)}
.btn.ghost{border-color:transparent;background:transparent;color:var(--muted)}
.btn.ghost:hover{color:var(--bad)}
.btn:disabled{opacity:.45;cursor:not-allowed}

/* ---------- shell and rail ---------- */
.shell{display:grid;grid-template-columns:240px minmax(0,1fr);gap:28px;max-width:1360px;margin:0 auto;padding-inline:20px;padding-block:24px 56px}
nav.rail{position:sticky;top:calc(env(safe-area-inset-top,0px) + 78px);align-self:start;display:flex;flex-direction:column;gap:1px;max-height:calc(100vh - 100px);overflow-y:auto;background:var(--bar);color:var(--bar-ink);border:1px solid var(--bar);border-radius:var(--radius);padding:10px 8px;box-shadow:var(--shadow-lg)}
.rail h6{margin:16px 10px 6px;font:600 10.5px/1 var(--f-body);letter-spacing:.1em;text-transform:uppercase;color:var(--bar-muted)}
.rail h6:first-child{margin-top:4px}
.rail button{display:flex;justify-content:space-between;align-items:center;gap:8px;width:100%;text-align:left;border:0;background:transparent;padding:7px 10px;border-radius:6px;cursor:pointer;color:var(--bar-ink);font-size:13.5px;position:relative}
.rail button:hover{background:rgba(255,255,255,.08)}
.rail button[aria-current="true"]{background:rgba(255,255,255,.14);color:#fff;font-weight:600}
.rail button[aria-current="true"]::before{content:"";position:absolute;left:-8px;top:6px;bottom:6px;width:3px;border-radius:0 3px 3px 0;background:var(--brass)}
.rail .ct{font:500 11.5px var(--f-num);color:var(--bar-muted);font-variant-numeric:tabular-nums;white-space:nowrap}
.rail .ct.bad{color:#F5A397}
.rail .ct.warn{color:#E8C27A}
.ng{border-bottom:1px solid var(--bar-line);padding:2px 0}
.ng:last-child{border-bottom:0}
.rail .ng-h{font:600 12px/1 var(--f-body);letter-spacing:.08em;text-transform:uppercase;color:var(--bar-muted);padding:11px 10px;justify-content:flex-start;gap:8px}
.rail .ng-h .ng-t{flex:1}
.rail .ng-h:hover{color:var(--bar-ink);background:transparent}
.ng.here .ng-h,.ng.open .ng-h{color:var(--bar-ink)}
.ng-chev{display:inline-block;font-size:11px;transition:transform .15s;opacity:.7}
.ng.open .ng-chev{transform:rotate(90deg)}
.ng-b{display:flex;flex-direction:column;gap:1px;padding:0 0 8px}
.ng-b button{padding-left:26px!important}
.rail .step{font:500 11px var(--f-num);font-variant-numeric:tabular-nums;color:var(--bar-muted);width:22px;display:inline-block}
main{min-width:0}

/* ---------- section header ---------- */
.sec-head{display:flex;flex-wrap:wrap;gap:12px;align-items:flex-end;justify-content:space-between;margin-bottom:18px;padding-bottom:14px;border-bottom:1px solid var(--line)}
.sec-head h2{font:600 26px/1.15 var(--f-display);margin:0;letter-spacing:-.005em;text-wrap:balance}
.sec-head p{margin:6px 0 0;color:var(--muted);max-width:72ch}

/* ---------- banners ---------- */
.banner{border:1px solid var(--line);border-left-width:3px;background:var(--surface);border-radius:6px;padding:10px 14px;margin-bottom:16px;display:flex;gap:10px;align-items:flex-start;font-size:13px;box-shadow:var(--shadow)}
.banner b{font-weight:600}
.banner.sample{border-left-color:var(--brass);background:var(--brass-soft)}
.banner.ok,.banner.good{border-left-color:var(--good)}
.banner.bad{border-left-color:var(--bad);background:var(--bad-soft)}
.banner .x{margin-left:auto}

/* ---------- impact panel: what the inputs change ---------- */
.impact{position:sticky;top:calc(env(safe-area-inset-top,0px) + 66px);z-index:5;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lg);margin-bottom:18px;overflow:hidden}
.impact-h{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:8px 14px;border-bottom:1px solid var(--line);background:var(--sunk);font-size:12px;color:var(--muted)}
.impact-h b{font:600 10.5px/1 var(--f-body);letter-spacing:.1em;text-transform:uppercase;color:var(--ink)}
.impact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr))}
.im{padding:10px 14px;border-right:1px solid var(--line);min-width:0;transition:background .4s}
.im:last-child{border-right:0}
.im .k{font-size:11.5px;color:var(--muted);font-weight:500;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.im .v{font:600 17px/1.25 var(--f-num);font-variant-numeric:tabular-nums;letter-spacing:-.01em;margin-top:2px;white-space:nowrap}
.im .d{font:500 11.5px/1.3 var(--f-num);font-variant-numeric:tabular-nums;margin-top:2px;min-height:15px;color:var(--muted);white-space:nowrap}
.im .d.up{color:var(--good)} .im .d.down{color:var(--bad)}
.im.flash{background:var(--brass-soft)}
.impact-why{padding:8px 14px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);min-height:34px}
.impact-why b{color:var(--ink);font-weight:600}

/* ---------- "how this section is used" ---------- */
.how{display:grid;grid-template-columns:minmax(0,1fr);gap:8px;background:var(--surface);border:1px solid var(--line);border-top:3px solid var(--accent);border-radius:var(--radius);padding:12px 16px;margin-bottom:18px;box-shadow:var(--shadow)}
.how-h{display:flex;flex-wrap:wrap;align-items:center;gap:6px 10px}
.how-h b{font:600 13px/1.3 var(--f-body)}
.feeds{display:flex;flex-wrap:wrap;gap:6px}
.feed{font:500 11.5px/1 var(--f-body);padding:5px 8px;border-radius:999px;background:var(--accent-soft);color:var(--accent);white-space:nowrap}
.how ul{margin:0;padding-left:18px;font-size:13px;color:var(--ink)}
.how li{margin:3px 0}
.how li::marker{color:var(--brass)}
.how details summary{cursor:pointer;font-size:12.5px;color:var(--accent);font-weight:500;list-style:none}
.how details summary::-webkit-details-marker{display:none}
.how details summary::before{content:"▸ ";display:inline-block;transition:transform .15s}
.how details[open] summary::before{transform:rotate(90deg)}

/* ---------- record cards and fields ---------- */
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px;min-width:0;box-shadow:var(--shadow)}
.card-h{display:flex;align-items:center;gap:10px;padding:11px 16px;cursor:pointer;user-select:none;background:var(--head);color:var(--head-ink);border-radius:var(--radius) var(--radius) 0 0}
.card[data-open="false"] .card-h{border-radius:var(--radius)}
.card-h:hover{background:var(--head-hover)}
.card[data-open="false"] .card-h{background:var(--sunk);color:var(--ink)}
.card[data-open="false"] .card-h:hover{background:var(--accent-soft)}
.card-h .chev{width:10px;opacity:.7;transition:transform .15s}
.card[data-open="true"] .chev{transform:rotate(90deg)}
.card-h .sum{flex:1;min-width:0;display:flex;flex-wrap:wrap;gap:4px 12px;align-items:baseline}
.card-h .sum b{font-weight:600}
.card-h .sum .meta{opacity:.78;font-size:12.5px}
.card-h .val{font:600 14px var(--f-num);font-variant-numeric:tabular-nums;white-space:nowrap}
.card-h .btn.ghost{color:inherit;opacity:.8}
.card-h .btn.ghost:hover{opacity:1;color:inherit;background:rgba(255,255,255,.14)}
.card[data-open="false"] .card-h .btn.ghost{color:var(--muted)}
.card-b{padding:16px;background:var(--surface);border-radius:0 0 var(--radius) var(--radius)}
.card[data-open="false"] .card-b{display:none}
.grp{margin-bottom:14px;border:1px solid var(--line);border-radius:6px}
.grp:last-child{margin-bottom:0}
.grp h4{margin:0;border-radius:5px 5px 0 0;padding:8px 12px;font:600 11px/1.3 var(--f-body);letter-spacing:.08em;text-transform:uppercase;color:var(--head-ink);background:var(--head);display:flex;align-items:center;gap:8px}
.grp .fields{padding:12px;background:var(--sunk);border-radius:0 0 5px 5px}
.card-b>.fields{padding:0}
.single>.fields{padding:14px;background:var(--surface)}
.grp h4 .tip{color:var(--head-ink);border-color:rgba(255,255,255,.5)}
.fields{display:grid;grid-template-columns:repeat(auto-fill,minmax(186px,1fr));gap:12px 16px}
.f{display:flex;flex-direction:column;gap:5px;min-width:0}
.f.wide{grid-column:1/-1}
.f label{font-size:12px;color:var(--muted);font-weight:500}
.f input,.f select,.f textarea{width:100%;border:1px solid var(--line-strong);background:var(--surface);border-radius:6px;padding:7px 9px;min-height:34px;transition:border-color .12s,box-shadow .12s}
.f input:hover,.f select:hover,.f textarea:hover{border-color:var(--muted)}
.f input:focus,.f select:focus,.f textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}
.f input[aria-invalid="true"]{border-color:var(--bad)}
.f textarea{min-height:68px;resize:vertical}
.f input[type=number]{font-family:var(--f-num);font-variant-numeric:tabular-nums}
.f .hint{font-size:11.5px;color:var(--muted);line-height:1.4}
.f .hint.err{color:var(--bad)}
.f.chk{flex-direction:row;align-items:center;gap:8px;padding-top:20px}
.f.chk input{width:16px;height:16px;min-height:0;accent-color:var(--accent)}
.f.chk label{color:var(--ink)}
.addrow{display:flex;gap:8px;flex-wrap:wrap;margin-top:6px}
.empty{border:1px dashed var(--line-strong);border-radius:var(--radius);padding:28px;color:var(--muted);text-align:center;margin-bottom:10px;background:var(--surface)}

/* ---------- tooltips ---------- */
.tip{display:inline-flex;align-items:center;justify-content:center;width:15px;height:15px;border-radius:50%;border:1px solid var(--muted);color:var(--muted);background:transparent;font:600 10px/1 var(--f-body);cursor:help;vertical-align:middle;margin-left:5px;padding:0;position:relative;flex:none}
.tip:hover,.tip:focus-visible{border-color:var(--accent);color:var(--accent);outline:none}
.tip::after{content:attr(data-tip);position:absolute;left:-6px;top:calc(100% + 8px);width:max-content;max-width:300px;background:var(--bar);color:var(--bar-ink);padding:9px 11px;border-radius:6px;font:400 12px/1.45 var(--f-body);letter-spacing:0;text-transform:none;text-align:left;white-space:normal;box-shadow:var(--shadow-lg);z-index:40;opacity:0;visibility:hidden;transition:opacity .12s}
.tip::before{content:"";position:absolute;left:50%;top:calc(100% + 3px);transform:translateX(-50%);border:5px solid transparent;border-bottom-color:var(--bar);opacity:0;visibility:hidden;z-index:41}
.tip:hover::after,.tip:hover::before,.tip:focus-visible::after,.tip:focus-visible::before{opacity:1;visibility:visible}
.lab{display:flex;align-items:center;min-height:16px}
.f.chk .lab{display:inline-flex}

/* ---------- model guide ---------- */
.guide{max-width:860px}
.guide .panel{padding:20px 24px}
.guide h3{font:600 19px/1.25 var(--f-display);margin:0 0 10px;padding-bottom:8px;border-bottom:2px solid var(--brass)}
.guide h4{font:600 13.5px/1.3 var(--f-body);margin:16px 0 6px;color:var(--accent)}
.guide p,.guide li{font-size:13.5px;line-height:1.6}
.guide p{margin:0 0 10px}
.guide ul{margin:0 0 10px;padding-left:20px}
.guide li{margin:3px 0}
.guide .formula{font:500 13px/1.6 var(--f-mono);background:var(--sunk);border-left:3px solid var(--brass);padding:10px 14px;border-radius:0 6px 6px 0;margin:8px 0 12px;overflow-x:auto}
.guide .flow{display:flex;flex-wrap:wrap;gap:6px;align-items:center;margin:6px 0 14px}
.guide .flow span{background:var(--accent);color:var(--accent-ink);padding:6px 11px;border-radius:6px;font-size:12.5px;font-weight:500}
.guide .flow i{color:var(--muted);font-style:normal}
.guide table{font-size:13px}
.guide .toc{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:18px}
.guide .toc a{font-size:12.5px;color:var(--accent);background:var(--accent-soft);padding:5px 10px;border-radius:999px;text-decoration:none}

/* ---------- figures ---------- */
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin-bottom:20px}
.kpi{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;box-shadow:var(--shadow)}
.kpi .k{font-size:12px;color:var(--muted);font-weight:500}
.kpi .v{font:600 24px/1.2 var(--f-num);font-variant-numeric:tabular-nums;margin-top:6px;letter-spacing:-.02em}
.kpi .v.t{font:600 18px/1.25 var(--f-display);letter-spacing:0}
.kpi .s{font-size:12px;color:var(--muted);margin-top:6px}
.pill{display:inline-block;font:600 11px/1 var(--f-body);padding:4px 8px;border-radius:999px;letter-spacing:.01em;white-space:nowrap;background:var(--sunk);color:var(--muted)}
.pill.good{color:var(--good);background:var(--good-soft)} .pill.warn{color:var(--warn);background:var(--warn-soft)} .pill.bad{color:var(--bad);background:var(--bad-soft)} .pill.neu{color:var(--muted);background:var(--sunk)}
.viewbar{display:flex;flex-wrap:wrap;gap:6px;align-items:center;margin-bottom:14px}
.seg{display:inline-flex;flex-wrap:wrap;border:1px solid var(--line-strong);border-radius:6px;overflow:hidden;background:var(--surface)}
.seg button{border:0;background:transparent;padding:6px 13px;cursor:pointer;font-size:13px;border-right:1px solid var(--line)}
.seg button:last-child{border-right:0}
.seg button[aria-pressed="true"]{background:var(--accent);color:var(--accent-ink)}
.comp{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px;margin-bottom:20px;box-shadow:var(--shadow)}
.comp h3,.panel h3{font:600 16px/1.25 var(--f-display);margin:0 0 12px}
.barrow{display:grid;grid-template-columns:96px minmax(0,1fr) 116px;gap:10px;align-items:center;margin-bottom:9px;font-size:12.5px}
.barrow .lbl{color:var(--muted);font-weight:500}
.barrow .tot{font:600 12.5px var(--f-num);text-align:right;font-variant-numeric:tabular-nums}
.bar{display:flex;height:22px;border-radius:4px;overflow:hidden;background:var(--sunk)}
.bar i{display:block;height:100%;min-width:0;box-shadow:inset -1px 0 0 var(--surface)}
.legend{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:12px;color:var(--muted);margin-top:10px}
.legend span{display:inline-flex;align-items:center;gap:6px}
.legend i{width:10px;height:10px;border-radius:2px;display:inline-block}
.bs{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px;min-width:0;margin-bottom:16px;box-shadow:var(--shadow)}
.bs .panel,.ips .panel,.two .panel{margin-bottom:0}
.tbl-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:13px}
th,td{padding:8px 10px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
th{font-weight:600;color:var(--muted);font-size:11px;letter-spacing:.06em;text-transform:uppercase;background:var(--sunk)}
tbody tr:hover td{background:color-mix(in srgb,var(--sunk) 55%,transparent)}
td.n,th.n{text-align:right;font-family:var(--f-num);font-variant-numeric:tabular-nums;white-space:nowrap}
td.mono{font-family:var(--f-mono);font-size:12px;word-break:break-all}
tr.g td{font-weight:600;background:var(--sunk)}
tr.t td{font-weight:700;border-top:2px solid var(--ink);border-bottom:0;background:transparent}
tr.sub td:first-child{padding-left:22px}
.side-a{border-top:3px solid var(--asset)} .side-l{border-top:3px solid var(--liab)}
.note{font-size:12px;color:var(--muted);margin-top:10px;max-width:80ch}
/* A screen the signed-in person can read but not change: nothing offers to add, remove, import or fetch */
#main.ro [data-act="add"],#main.ro [data-act="del"],#main.ro [data-act="fundImport"],#main.ro [data-act="fundFetch"],#main.ro [data-act="rtqStart"],#main.ro [data-act="resetAssump"]{display:none}
.note.ro-note{margin:0 0 14px;padding:9px 12px;border:1px solid var(--line);border-radius:8px;background:var(--sunk);max-width:none}
/* A field this person may read but not change */
.f input:disabled,.f select:disabled,.f textarea:disabled{background:var(--sunk);color:var(--muted);cursor:not-allowed}
/* Roles to tick (User accounts), and an invitation to answer at sign-in */
.chk-inline{display:inline-flex;gap:6px;align-items:center;margin-right:14px;font-size:13px;white-space:nowrap}
.invite-row{margin:12px 0;padding:10px 12px;border:1px solid var(--line);border-radius:8px}
.invite-row p{margin:0 0 8px}
.list{margin:0;padding:0;list-style:none}
.list li{display:flex;gap:10px;padding:9px 0;border-bottom:1px solid var(--line);align-items:flex-start}
.list li:last-child{border-bottom:0}
.list li .pill{margin-top:2px}
.list li .grow{flex:1;min-width:0}
.ips,.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:12px;margin-bottom:20px}
.ips .panel p{margin:0 0 6px}
.muted{color:var(--muted)}

/* ---------- onboarding progress ---------- */
.stages{display:flex;flex-wrap:wrap;gap:0;margin-bottom:20px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.stage{flex:1 1 140px;padding:12px 14px;border-right:1px solid var(--line);display:flex;flex-direction:column;gap:3px;min-width:0}
.stage:last-child{border-right:0}
.stage b{font-size:13px;font-weight:600}
.stage span{font-size:12px;color:var(--muted)}
.stage[data-s="done"]{box-shadow:inset 0 3px 0 var(--good)}
.stage[data-s="open"]{box-shadow:inset 0 3px 0 var(--bad)}
.stage[data-s="current"]{box-shadow:inset 0 3px 0 var(--accent)}
.stage[data-s="waiting"]{box-shadow:inset 0 3px 0 var(--line-strong)}
.kyc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:12px;margin-bottom:16px}
.kyc-grid .panel{margin-bottom:0}
.clients td{vertical-align:middle}
.clients td button{white-space:nowrap}
.toast{position:fixed;left:50%;bottom:calc(20px + env(safe-area-inset-bottom,0px));transform:translateX(-50%);background:var(--bar);color:var(--bar-ink);padding:10px 16px;border-radius:6px;font-size:13px;z-index:30;max-width:calc(100% - 32px);box-shadow:var(--shadow-lg)}
.confirm{display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.foot{max-width:1360px;margin:0 auto;padding:0 20px 28px;color:var(--muted);font-size:11.5px;display:flex;flex-wrap:wrap;gap:6px 18px;justify-content:space-between}
[hidden]{display:none!important}

@media (max-width:900px){
  .shell{grid-template-columns:minmax(0,1fr);gap:14px;padding-inline:16px}
  nav.rail{position:static;flex-direction:row;overflow-x:auto;gap:4px;padding:6px;max-height:none}
  .rail h6{display:none}
  .rail .ng-h{border:1px solid var(--bar-line);padding:7px 10px;width:auto}
  .ng-chev{display:none}
  .ng{border:0;display:contents}
  .ng-b{display:contents}
  .ng-b button{padding-left:10px!important}
  .rail button{width:auto;white-space:nowrap}
  .rail button[aria-current="true"]::before{display:none}
  .bs{grid-template-columns:minmax(0,1fr)}
  .barrow{grid-template-columns:70px minmax(0,1fr) 92px}
  .impact{position:static}
  .top-in{padding:10px 16px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* ---------- sign-in ---------- */
.gated .actions,.gated .rail{display:none}
.gated .shell{display:block}
.gate{max-width:440px;margin:56px auto;padding:28px 28px 24px;border-top:3px solid var(--brass)}
.gate h2{font:600 24px/1.2 var(--f-display);margin:0 0 6px}
.gate .fields{grid-template-columns:1fr}
.gate-err{color:var(--bad);min-height:1.3em;margin:8px 0 0;font-size:13px}
.gate-qr{width:180px;height:180px;background:#fff;padding:8px;border-radius:6px;margin:10px 0 4px}
.gate code{font-family:var(--f-mono);word-break:break-all}
.gate .gate-qr svg{width:100%;height:100%;display:block}
.gate .codes{columns:2;list-style:none;padding:0;margin:8px 0 12px;font-family:var(--f-mono);font-size:15px;line-height:1.9}
.gate .firm-list{display:flex;flex-direction:column;gap:8px;margin:8px 0 4px}
.gate .firm-list .btn{justify-content:space-between;display:flex}
.gate .addrow{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.gate textarea{width:100%;border:1px solid var(--line-strong);background:var(--surface);border-radius:6px;padding:7px 9px;font:inherit;color:inherit}
.menu{position:relative}
.menu summary{list-style:none;cursor:pointer;padding:5px 9px;border:1px solid var(--bar-line);border-radius:6px;color:var(--bar-ink);font-size:12.5px}
.menu summary::-webkit-details-marker{display:none}
.menu summary::after{content:" ▾";color:var(--bar-muted)}
.menu[open] summary{background:rgba(255,255,255,.08)}
.menu-items{position:absolute;right:0;top:calc(100% + 6px);z-index:30;display:flex;flex-direction:column;min-width:200px;padding:6px;background:var(--surface);border:1px solid var(--line);border-radius:8px;box-shadow:var(--shadow)}
.top .menu-items .btn{text-align:left;color:var(--ink);background:transparent;border-color:transparent;padding:8px 10px}
.top .menu-items .btn:hover{background:var(--sunk);color:var(--ink)}

/* Tasks board: person tiles act as filters */
.kpi-btn{text-align:left;cursor:pointer;font:inherit;color:inherit;transition:border-color .12s,box-shadow .12s}
.kpi-btn:hover{border-color:var(--accent)}
.kpi-btn.sel{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}

/* Letter of authority: on screen as a page, printed without the app around it */
.letter{background:#fff;color:#111;max-width:800px;margin:0 auto 24px;padding:56px 64px;border:1px solid var(--line);box-shadow:var(--shadow-lg);font:14px/1.6 var(--f-body)}
.letter .lh{display:flex;justify-content:space-between;gap:24px;border-bottom:2px solid #A8834A;padding-bottom:14px;margin-bottom:28px}
.letter .lh-name{font:600 20px/1.2 var(--f-display);color:#0C1E35}
.letter .lh-addr,.letter .lh-meta{font-size:12px;color:#444;margin-top:4px}
.letter .lh-meta{text-align:right}
.letter .to{margin-bottom:18px}
.letter .date{margin:0 0 18px}
.letter .re{background:#F4F6F9;padding:10px 14px;border-left:3px solid #163A63}
.letter ul{padding-left:20px}
.letter .sig{display:grid;grid-template-columns:2fr 1fr;gap:32px;margin:48px 0 28px}
.letter .sig .line{border-bottom:1px solid #111;height:40px;margin-bottom:6px}
.letter .cc{font-size:11.5px;color:#555;border-top:1px solid #ddd;padding-top:10px}
@media print{
  .top,.rail,.foot,.no-print,.toast{display:none!important}
  body{background:#fff}
  .shell{display:block;padding:0;max-width:none}
  main{padding:0}
  .letter{border:0;box-shadow:none;padding:0;margin:0;max-width:none;font-size:11.5pt;line-height:1.45}
  .letter .lh{margin-bottom:18px}
  .letter .to,.letter .date{margin-bottom:12px}
  .letter p{margin:0 0 9px}
  .letter ul{margin:0 0 9px}
  .letter .sig{margin:30px 0 16px}
  .letter .sig .line{height:30px}
  @page{size:A4;margin:16mm 18mm}
}

/* Risk questionnaire */
.rtq-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(360px,1fr));gap:12px;margin-bottom:16px}
.rtq-grid .panel{margin-bottom:0}
.rtq-grid h3{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.rtq-key summary{cursor:pointer}
.rtq-key h4{margin:14px 0 4px;font:600 13.5px/1.3 var(--f-body);color:var(--accent)}
.rtq-key p{font-size:13px;margin:4px 0 8px}

/* Scenarios */
table.scen tbody tr{cursor:pointer}
table.scen tbody tr.sel td{background:var(--accent-soft)}
table.scen tbody tr.sel td:first-child{box-shadow:inset 3px 0 0 var(--brass)}
.scen .up,.panel .up{color:var(--good);font-weight:600}
.scen .down,.panel .down{color:var(--bad);font-weight:600}
.neg{color:var(--bad)}
#scenSettings summary{cursor:pointer}

/* Fund performance chart. Series colours validated with the data-viz palette checker (light and dark). */
:root{--viz-1:#2a78d6;--viz-2:#eb6834;--viz-3:#1baf7a;--viz-4:#eda100;--viz-bench:#6250d6}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){--viz-1:#3987e5;--viz-2:#d95926;--viz-3:#199e70;--viz-4:#c98500;--viz-bench:#9085e9}}
:root[data-theme="dark"]{--viz-1:#3987e5;--viz-2:#d95926;--viz-3:#199e70;--viz-4:#c98500;--viz-bench:#9085e9}
.perf-bar{display:flex;flex-wrap:wrap;gap:10px;justify-content:space-between;align-items:center;margin-bottom:14px}
.perf-pick{display:flex;flex-wrap:wrap;gap:6px}
.chip{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--line-strong);background:var(--surface);border-radius:999px;padding:5px 11px;font-size:12.5px;cursor:pointer}
.chip.on{border-color:var(--accent);background:var(--accent-soft);color:var(--accent);font-weight:500}
.chip i,.perf-ends i,.perf-tip i{width:10px;height:3px;border-radius:2px;display:inline-block}
.perf-wrap{position:relative}
.perf-svg{width:100%;height:auto;display:block;touch-action:none}
.perf-svg .grid{stroke:var(--line);stroke-width:1}
.perf-svg .base{stroke:var(--muted);stroke-width:1;opacity:.6}
.perf-svg .ax{fill:var(--muted);font:11px var(--f-num);font-variant-numeric:tabular-nums}
.perf-svg .xh{stroke:var(--muted);stroke-width:1}
.perf-svg .xd{stroke:var(--surface);stroke-width:2}
.perf-tip{position:absolute;top:8px;background:var(--surface);border:1px solid var(--line-strong);border-radius:6px;box-shadow:var(--shadow-lg);padding:8px 10px;font-size:12px;pointer-events:none;min-width:200px;z-index:3}
.perf-tip div{display:grid;grid-template-columns:12px 1fr auto;gap:8px;align-items:center;margin-top:3px}
.perf-tip b{font-variant-numeric:tabular-nums}
.perf-ends{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:12.5px;margin-top:8px}
.perf-ends span{display:inline-flex;align-items:center;gap:6px}
.key{display:inline-block;width:10px;height:3px;border-radius:2px;margin-right:8px;vertical-align:middle}