:root{
  --bg:#F2F4F8;--surface:#FFF;--surface-2:#EBEEF5;--border:#D8DDE8;
  --text:#0D1321;--text-2:#455070;--text-3:#8890A8;
  --accent:#1847C8;--accent-h:#1239A6;--accent-light:#E8EEFB;
  --green:#0BAA6B;--green-light:#E5F7F0;
  --warn:#E8A020;--warn-light:#FEF3DC;
  --danger:#E03040;--danger-light:#FDEBEC;
  --premium:#6E30D8;--premium-light:#F0EAFB;
  --shadow-sm:0 1px 4px rgba(13,19,33,.06);
  --shadow-md:0 4px 20px rgba(13,19,33,.08);
  --shadow-lg:0 12px 48px rgba(13,19,33,.10);
  --r:12px;--r-sm:8px;--r-lg:18px;--nav-w:240px;
  --font:'Plus Jakarta Sans', sans-serif;--font-display:'Bricolage Grotesque',sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:15px}
body{font-family:var(--font);background:var(--bg);color:var(--text);line-height:1.6;min-height:100vh}
a{text-decoration:none;color:inherit}
button,input,select,textarea{font-family:var(--font)}
button{cursor:pointer;border:none;outline:none}
input,select,textarea{outline:none;border:none}

.app-shell{display:flex;min-height:100vh}

/* Sidebar */
.sidebar{width:var(--nav-w);background:var(--surface);border-right:1px solid var(--border);display:flex;flex-direction:column;height:100vh;position:sticky;top:0;flex-shrink:0;overflow-y:auto}
.sidebar-logo{padding:22px 20px 14px;border-bottom:1px solid var(--border)}
.logo-text{font-family:var(--font-display);font-size:1.35rem;font-weight:600;letter-spacing:-.02em}
.logo-text span{color:var(--accent)}
.logo-plan{font-size:.68rem;background:var(--premium-light);color:var(--premium);padding:2px 8px;border-radius:10px;font-weight:700;margin-top:4px;display:inline-block}
.sidebar-nav{flex:1;padding:14px 10px}
.nav-group-label{font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--text-3);padding:10px 10px 4px;margin-top:6px}
.nav-item{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:var(--r-sm);font-size:.84rem;font-weight:500;color:var(--text-2);transition:all .18s;margin-bottom:2px}
.nav-item:hover{background:var(--surface-2);color:var(--text)}
.nav-item.active{background:var(--accent-light);color:var(--accent);font-weight:600}
.nav-item .ni{font-size:.95rem;width:18px;text-align:center;flex-shrink:0}
.sidebar-user{padding:14px 16px;border-top:1px solid var(--border);display:flex;align-items:center;gap:10px}
.user-avatar{width:34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.82rem;flex-shrink:0}
.user-info{flex:1;min-width:0}
.user-name{font-size:.8rem;font-weight:600;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.user-email{font-size:.7rem;color:var(--text-3);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.user-logout{color:var(--text-3);font-size:.85rem;padding:4px;border-radius:var(--r-sm);transition:all .2s;flex-shrink:0}
.user-logout:hover{background:var(--danger-light);color:var(--danger)}

/* Main */
.main-content{flex:1;overflow-y:auto;min-height:100vh}
.page-wrap{padding:28px 32px;max-width:1200px;margin:0 auto}
.page-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:26px}
.page-title{font-family:var(--font-display);font-size:1.75rem;font-weight:700;letter-spacing:-.025em}
.page-subtitle{font-size:.83rem;color:var(--text-2);margin-top:2px}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:7px;padding:9px 20px;border-radius:var(--r-sm);font-size:.84rem;font-weight:600;cursor:pointer;transition:all .18s;text-decoration:none;border:1px solid transparent}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-h);transform:translateY(-1px);box-shadow:0 4px 14px rgba(24,71,200,.3)}
.btn-ghost{background:transparent;color:var(--text-2);border-color:var(--border)}
.btn-ghost:hover{background:var(--surface);color:var(--text)}
.btn-danger{background:var(--danger-light);color:var(--danger);border-color:var(--danger)}
.btn-danger:hover{background:var(--danger);color:#fff}
.btn-sm{padding:6px 14px;font-size:.78rem}
.btn-lg{padding:12px 26px;font-size:.92rem;border-radius:var(--r)}
.btn-block{width:100%;justify-content:center}

/* Cards */
.card{background:var(--surface);border-radius:var(--r-lg);border:1px solid var(--border);overflow:hidden;margin-bottom:20px}
.card-header{padding:18px 22px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between}
.card-title{font-size:.88rem;font-weight:700}
.card-body{padding:22px}
.card-body-flush{padding:0}

/* Stats */
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:22px}
.stat-card{background:var(--surface);border-radius:var(--r-lg);border:1px solid var(--border);padding:18px 20px}
.stat-label{font-size:.73rem;color:var(--text-3);font-weight:500;margin-bottom:5px}
.stat-value{font-family:var(--font-display);font-size:1.6rem;font-weight:700;letter-spacing:-.02em}
.stat-change{font-size:.73rem;margin-top:4px}
.stat-change.up{color:var(--green)}
.stat-change.down{color:var(--danger)}
.stat-icon{float:right;width:38px;height:38px;border-radius:var(--r-sm);display:flex;align-items:center;justify-content:center;font-size:1rem}

/* Forms */
.form-group{margin-bottom:14px}
.form-label{font-size:.78rem;font-weight:600;color:var(--text-2);margin-bottom:5px;display:block}
.form-input{width:100%;padding:10px 13px;border:1.5px solid var(--border);border-radius:var(--r-sm);font-size:.88rem;color:var(--text);background:var(--bg);transition:border-color .18s}
.form-input:focus{border-color:var(--accent);background:var(--surface)}
.form-error{font-size:.73rem;color:var(--danger);margin-top:4px}
.form-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
.form-full{grid-column:1/-1}
select.form-input{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238890A8' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:32px}

/* Transactions */
.txn-list{display:flex;flex-direction:column}
.txn-row{display:flex;align-items:center;gap:12px;padding:11px 16px;border-radius:var(--r-sm);transition:background .15s}
.txn-row:hover{background:var(--bg)}
.txn-icon{width:38px;height:38px;border-radius:var(--r-sm);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.txn-info{flex:1;min-width:0}
.txn-name{font-size:.84rem;font-weight:600;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.txn-meta{font-size:.73rem;color:var(--text-3)}
.txn-amount{font-size:.88rem;font-weight:700;text-align:right;flex-shrink:0}
.txn-amount.expense{color:var(--danger)}
.txn-amount.income{color:var(--green)}
.txn-actions{display:flex;gap:4px;opacity:0;transition:opacity .2s}
.txn-row:hover .txn-actions{opacity:1}
.txn-del-btn{width:28px;height:28px;border-radius:6px;background:var(--bg);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:.75rem;cursor:pointer;transition:all .18s}
.txn-del-btn:hover{background:var(--danger-light);color:var(--danger);border-color:var(--danger)}

/* Budget bars */
.budget-item{margin-bottom:18px}
.budget-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px;font-size:.82rem}
.budget-name{font-weight:600}
.budget-amounts{color:var(--text-2);display:flex;align-items:center;gap:8px}
.budget-bar-bg{height:8px;background:var(--surface-2);border-radius:4px;overflow:hidden}
.budget-bar-fill{height:100%;border-radius:4px;transition:width .5s}
.budget-bar-fill.safe{background:var(--green)}
.budget-bar-fill.warn{background:var(--warn)}
.budget-bar-fill.over{background:var(--danger)}

/* Badges */
.badge{display:inline-flex;align-items:center;padding:2px 8px;border-radius:8px;font-size:.7rem;font-weight:700}
.badge-green{background:var(--green-light);color:var(--green)}
.badge-red{background:var(--danger-light);color:var(--danger)}
.badge-warn{background:var(--warn-light);color:var(--warn)}
.badge-accent{background:var(--accent-light);color:var(--accent)}

/* Filter */
.filter-bar{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-bottom:14px}
.filter-chip{padding:5px 14px;border-radius:20px;font-size:.77rem;font-weight:600;border:1.5px solid var(--border);background:var(--surface);color:var(--text-2);transition:all .18s}
.filter-chip.active,.filter-chip:hover{background:var(--accent-light);border-color:var(--accent);color:var(--accent)}
.search-wrap{margin-left:auto;position:relative}
.search-wrap::before{content:'🔍';position:absolute;left:9px;top:50%;transform:translateY(-50%);font-size:.7rem;pointer-events:none}
.search-box{padding:6px 12px 6px 30px;border:1.5px solid var(--border);border-radius:20px;font-size:.8rem;background:var(--surface);color:var(--text);width:200px;transition:all .2s;font-family:var(--font)}
.search-box:focus{border-color:var(--accent);width:240px;outline:none}

/* Type toggle */
.type-toggle{display:flex;border:1.5px solid var(--border);border-radius:var(--r-sm);overflow:hidden}
.type-btn{flex:1;padding:9px;font-size:.82rem;font-weight:600;background:transparent;color:var(--text-2);cursor:pointer;border:none;transition:all .18s;font-family:var(--font)}
.type-btn.active-expense{background:var(--danger-light);color:var(--danger)}
.type-btn.active-income{background:var(--green-light);color:var(--green)}

/* Charts */
.chart-wrap{position:relative;height:220px}
.charts-row{display:grid;grid-template-columns:2fr 1fr;gap:16px;margin-bottom:20px}

/* Tables */
.data-table{width:100%;border-collapse:collapse}
.data-table th{font-size:.71rem;font-weight:700;color:var(--text-3);text-transform:uppercase;letter-spacing:.05em;padding:10px 16px;border-bottom:2px solid var(--border);text-align:left}
.data-table td{padding:11px 16px;font-size:.84rem;border-bottom:1px solid var(--border)}
.data-table tr:hover td{background:var(--bg)}
.data-table tr:last-child td{border-bottom:none}

/* Calculators */
.calc-tabs{display:flex;gap:4px;border-bottom:1px solid var(--border);margin-bottom:22px}
.calc-tab{padding:10px 18px;font-size:.82rem;font-weight:600;color:var(--text-2);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px;transition:all .18s;text-decoration:none}
.calc-tab.active{color:var(--accent);border-bottom-color:var(--accent)}
.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.calc-result{background:linear-gradient(135deg,var(--accent) 0%,#1239A6 100%);color:#fff;border-radius:var(--r-lg);padding:28px}
.calc-result-label{font-size:.77rem;opacity:.75;margin-bottom:4px}
.calc-result-value{font-family:var(--font-display);font-size:2rem;font-weight:600;margin-bottom:16px}
.calc-breakdown{display:flex;flex-direction:column;gap:8px;padding-top:14px;border-top:1px solid rgba(255,255,255,.2)}
.calc-breakdown-row{display:flex;justify-content:space-between;font-size:.82rem;opacity:.85}
.range-input{width:100%;accent-color:var(--accent);margin:6px 0 2px;cursor:pointer}
.range-labels{display:flex;justify-content:space-between;font-size:.73rem;color:var(--text-3)}
.range-val{font-size:.82rem;font-weight:700;color:var(--accent)}

/* Bills */
.bills-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.bill-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:16px;display:flex;align-items:center;gap:12px}
.bill-icon{width:42px;height:42px;border-radius:var(--r-sm);background:var(--accent-light);color:var(--accent);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
.bill-name{font-weight:700;font-size:.87rem}
.bill-due{font-size:.73rem;color:var(--text-3);margin-top:2px}
.bill-due.soon{color:var(--warn);font-weight:600}
.bill-amount{font-weight:700;font-size:.9rem;text-align:right}
.bill-del{font-size:.72rem;color:var(--danger);cursor:pointer;margin-top:2px;text-align:right}

/* Settings */
.settings-row{display:flex;align-items:center;justify-content:space-between;padding:14px 0;border-bottom:1px solid var(--border)}
.settings-row:last-child{border-bottom:none}
.settings-row-label{font-size:.87rem;font-weight:600}
.settings-row-desc{font-size:.77rem;color:var(--text-2);margin-top:2px}
.toggle{width:42px;height:22px;background:var(--border);border-radius:11px;cursor:pointer;position:relative;transition:background .2s;flex-shrink:0}
.toggle.on{background:var(--accent)}
.toggle::after{content:'';position:absolute;top:3px;left:3px;width:16px;height:16px;border-radius:50%;background:#fff;transition:left .2s;box-shadow:0 1px 3px rgba(0,0,0,.2)}
.toggle.on::after{left:23px}

/* Flash */
.flash-message{display:flex;align-items:center;justify-content:space-between;padding:12px 22px;font-size:.84rem;font-weight:500;transition:opacity .4s}
.flash-success{background:var(--green-light);color:#065F46;border-bottom:1px solid #A7F3D0}
.flash-error{background:var(--danger-light);color:#991B1B;border-bottom:1px solid #FECACA}
.flash-info{background:var(--accent-light);color:var(--accent-h);border-bottom:1px solid #BFDBFE}
.flash-close{cursor:pointer;opacity:.6;font-size:.8rem;margin-left:16px}

/* Toast */
.toast-wrap{position:fixed;bottom:22px;right:22px;z-index:9999;display:flex;flex-direction:column;gap:7px}
.toast{background:var(--text);color:#fff;padding:11px 16px;border-radius:var(--r-sm);font-size:.82rem;font-weight:500;animation:toastIn .25s ease;box-shadow:var(--shadow-md);max-width:280px}
.toast.success{background:var(--green)}
.toast.error{background:var(--danger)}
@keyframes toastIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}

/* Empty state */
.empty-state{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:52px 20px;text-align:center}
.empty-icon{font-size:2.8rem;opacity:.3;margin-bottom:12px}
.empty-title{font-size:.95rem;font-weight:600;color:var(--text-2);margin-bottom:5px}
.empty-text{font-size:.8rem;color:var(--text-3);max-width:240px;line-height:1.6}

/* Category colors */
.cat-food{background:#FEF3E2;color:#B45309}
.cat-groceries{background:#ECFDF5;color:#065F46}
.cat-transport{background:#EDE9FE;color:#5B21B6}
.cat-housing{background:#E0F2FE;color:#075985}
.cat-shopping{background:#FCE7F3;color:#9D174D}
.cat-health{background:#DCFCE7;color:#166534}
.cat-entertainment{background:#F3F4F6;color:#374151}
.cat-education{background:#E0E7FF;color:#3730A3}
.cat-salary{background:#DCFCE7;color:#166534}
.cat-freelance{background:#F0FDF4;color:#14532D}
.cat-investment{background:#EFF6FF;color:#1E40AF}
.cat-other{background:#F9FAFB;color:#6B7280}

/* Auth */
.auth-page{min-height:100vh;background:var(--bg);display:flex;align-items:center;justify-content:center;padding:20px}
.auth-card{background:var(--surface);border-radius:var(--r-lg);padding:40px;width:100%;max-width:420px;box-shadow:var(--shadow-lg);border:1px solid var(--border)}
.auth-logo{font-family:var(--font-display);font-size:1.7rem;font-weight:600;text-align:center;margin-bottom:4px}
.auth-logo span{color:var(--accent)}
.auth-sub{text-align:center;font-size:.84rem;color:var(--text-2);margin-bottom:26px}
.auth-divider{display:flex;align-items:center;gap:10px;margin:14px 0}
.auth-divider::before,.auth-divider::after{content:'';flex:1;height:1px;background:var(--border)}
.auth-divider span{font-size:.73rem;color:var(--text-3)}
.auth-switch{text-align:center;font-size:.81rem;color:var(--text-2);margin-top:14px}
.auth-switch a{color:var(--accent);font-weight:600}

::-webkit-scrollbar{width:5px;height:5px}
::-webkit-scrollbar-track{background:transparent}
::-webkit-scrollbar-thumb{background:var(--border);border-radius:3px}

/* ═══════════════════════════════════════════════════
   RESPONSIVE — Mobile first, works at every breakpoint
   ═══════════════════════════════════════════════════ */

/* Tablet: ≤1024px */
@media(max-width:1024px){
  :root{--nav-w:220px}
  .page-wrap{padding:22px 20px}
}

/* Mobile: ≤768px — sidebar collapses */
@media(max-width:768px){
  /* Core layout */
  .sidebar{display:none!important}
  .main-content{min-width:0!important}
  .page-wrap{padding:14px 12px 80px!important;max-width:100%!important}

  /* Page header */
  .page-header{flex-direction:column!important;align-items:flex-start!important;gap:10px!important;margin-bottom:14px!important}
  .page-title{font-size:1.25rem!important}
  .page-subtitle{font-size:.75rem!important}

  /* Stats */
  .stats-grid{grid-template-columns:1fr 1fr!important;gap:10px!important}
  .stat-card{padding:14px!important}
  .stat-value{font-size:1.2rem!important}
  .stat-label{font-size:.7rem!important}

  /* Cards */
  .card{border-radius:10px!important;margin-bottom:12px!important}
  .card-body{padding:14px!important}
  .card-header{padding:12px 14px!important;flex-wrap:wrap;gap:8px!important}
  .card-title{font-size:.86rem!important}

  /* Charts */
  .charts-row{grid-template-columns:1fr!important;gap:12px!important}
  .chart-wrap{height:180px!important}

  /* Forms */
  .form-grid-2,.form-grid-3,.adv-filters-grid{grid-template-columns:1fr!important;gap:10px!important}
  input,select,textarea,.form-input{font-size:16px!important}

  /* Transactions */
  .txn-row{padding:10px 12px!important;gap:8px!important}
  .txn-name{font-size:.82rem!important}
  .txn-meta{font-size:.68rem!important}
  .txn-amount{font-size:.85rem!important;min-width:0!important}

  /* Filter bar */
  .filter-bar{flex-wrap:nowrap!important;overflow-x:auto!important;padding-bottom:4px}
  .filter-bar::-webkit-scrollbar{display:none}
  .filter-chip{flex-shrink:0!important}
  .search-box{width:100%!important}

  /* Specific feature grids */
  .calc-layout{grid-template-columns:1fr!important}
  .bills-grid{grid-template-columns:1fr!important}
  .goals-grid{grid-template-columns:1fr!important}
  .badges-grid{grid-template-columns:repeat(2,1fr)!important}

  /* ── KEY FIX: override ALL inline grid styles on mobile ── */
  /* Target any element with inline display:grid on mobile */
  [style*="grid-template-columns"]{
    grid-template-columns:1fr!important;
  }
  /* Exceptions — keep 2-col where it makes sense */
  .stats-grid,[style*="repeat(2,1fr)"]{grid-template-columns:1fr 1fr!important}
  .form-grid-2{grid-template-columns:1fr!important}

  /* Override specific multi-col inline patterns */
  [style*="3fr 2fr"],[style*="2fr 1fr"],[style*="3fr 1fr"],
  [style*="1fr 1fr 1fr"],[style*="repeat(3"],[style*="repeat(4"],
  [style*="40px 2fr"],[style*="110px 1fr"],
  [style*="1fr 44px"],[style*="3fr 2fr"]{
    grid-template-columns:1fr!important;
    gap:12px!important;
  }
}

/* Small phones: ≤480px */
@media(max-width:480px){
  .page-wrap{padding:10px 10px 76px!important}
  .stats-grid{grid-template-columns:1fr 1fr!important;gap:8px!important}
  .stat-value{font-size:1.1rem!important}
  .badges-grid{grid-template-columns:1fr 1fr!important}
  .calc-btn-row{gap:4px!important}
  .calc-key{font-size:.82rem!important;padding:9px 2px!important}
}

/* ── PHASE 1 ADDITIONS ─────────────────────────── */

/* Advanced filter bar */
.adv-filters{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:18px 20px;margin-bottom:18px}
.adv-filters-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;align-items:end}
.adv-filters-grid .form-group{margin:0}

/* Import drop zone */
.drop-zone{border:2px dashed var(--border);border-radius:var(--r-lg);padding:40px 20px;text-align:center;cursor:pointer;transition:all .2s;background:var(--surface)}
.drop-zone:hover,.drop-zone.drag-over{border-color:var(--accent);background:var(--accent-light)}
.drop-zone-icon{font-size:2.4rem;margin-bottom:10px;opacity:.5}
.drop-zone-text{font-size:.88rem;font-weight:600;color:var(--text-2);margin-bottom:4px}
.drop-zone-sub{font-size:.78rem;color:var(--text-3)}

/* Import preview table */
.import-preview{max-height:320px;overflow-y:auto;border:1px solid var(--border);border-radius:var(--r-sm)}
.import-row-ok {background:var(--green-light)}
.import-row-dup{background:var(--warn-light)}
.import-row-err{background:var(--danger-light)}

/* Split transaction */
.split-list{display:flex;flex-direction:column;gap:8px;margin-top:10px}
.split-row{display:grid;grid-template-columns:2fr 1fr 1fr auto;gap:8px;align-items:center;background:var(--bg);border-radius:var(--r-sm);padding:8px 10px}
.split-total-row{display:flex;justify-content:space-between;padding:8px 10px;font-size:.82rem;font-weight:700;background:var(--surface-2);border-radius:var(--r-sm)}
.split-ok{color:var(--green)}.split-warn{color:var(--danger)}

/* Net worth */
.nw-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px}
.nw-summary-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:20px;text-align:center}
.nw-summary-val{font-family:var(--font-display);font-size:1.7rem;font-weight:700;margin-bottom:4px}
.nw-summary-lbl{font-size:.75rem;color:var(--text-3)}
.nw-section-title{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--text-3);margin:20px 0 10px}
.nw-item{display:flex;align-items:center;gap:12px;padding:12px 16px;border-radius:var(--r-sm);transition:background .15s}
.nw-item:hover{background:var(--bg)}
.nw-item-icon{width:36px;height:36px;border-radius:var(--r-sm);display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.nw-item-name{flex:1;font-size:.85rem;font-weight:600}
.nw-item-note{font-size:.73rem;color:var(--text-3)}
.nw-item-amt{font-weight:700;font-size:.9rem}
.nw-asset{color:var(--green)}.nw-liability{color:var(--danger)}

/* Velocity widget */
.velocity-card{background:linear-gradient(135deg,#0D1321,#1A2544);color:#fff;border-radius:var(--r-lg);padding:22px 24px;margin-bottom:16px}
.velocity-title{font-size:.78rem;opacity:.6;margin-bottom:6px}
.velocity-val{font-family:var(--font-display);font-size:1.8rem;font-weight:700;margin-bottom:10px}
.velocity-bar-bg{height:6px;background:rgba(255,255,255,.15);border-radius:3px;overflow:hidden}
.velocity-bar-fill{height:100%;border-radius:3px;transition:width .5s}

/* Savings rate trend */
.sparkline-wrap{display:flex;align-items:flex-end;gap:4px;height:48px}
.sparkline-bar{flex:1;border-radius:3px 3px 0 0;min-height:4px;transition:height .3s}

/* Template suggestions */
.suggestion-list{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:10px}
.suggestion-chip{padding:5px 12px;border-radius:20px;font-size:.76rem;font-weight:600;background:var(--surface);border:1.5px solid var(--border);cursor:pointer;transition:all .18s;white-space:nowrap}
.suggestion-chip:hover{background:var(--accent-light);border-color:var(--accent);color:var(--accent)}

/* YoY comparison */
.yoy-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:20px}
.yoy-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:18px}
.yoy-year{font-size:.72rem;color:var(--text-3);font-weight:600;margin-bottom:4px}
.yoy-val{font-family:var(--font-display);font-size:1.4rem;font-weight:700}
.yoy-change{font-size:.75rem;margin-top:4px;display:flex;align-items:center;gap:4px}

/* ══ PHASE 2 ══════════════════════════════════════ */

/* Goals */
.goals-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.goal-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:22px;transition:all .2s}
.goal-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.goal-card.completed{opacity:.7;border-style:dashed}
.goal-emoji{font-size:2rem;margin-bottom:10px}
.goal-title{font-weight:700;font-size:.95rem;margin-bottom:4px}
.goal-meta{font-size:.75rem;color:var(--text-3);margin-bottom:12px}
.goal-progress-wrap{margin-bottom:10px}
.goal-progress-bg{height:10px;background:var(--surface-2);border-radius:5px;overflow:hidden}
.goal-progress-fill{height:100%;border-radius:5px;transition:width .6s ease;background:linear-gradient(90deg,var(--accent),#6366f1)}
.goal-amounts{display:flex;justify-content:space-between;font-size:.78rem;margin-top:5px}
.goal-saved{font-weight:700;color:var(--accent)}
.goal-target{color:var(--text-3)}
.goal-days{font-size:.75rem;color:var(--text-3);margin-top:6px}
.goal-contrib-btn{margin-top:12px;width:100%;justify-content:center}

/* Health Score */
.health-score-wrap{display:flex;flex-direction:column;align-items:center;padding:24px 0}
.health-score-ring{position:relative;width:130px;height:130px;margin-bottom:16px}
.health-score-ring svg{transform:rotate(-90deg)}
.health-score-val{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.health-score-num{font-family:var(--font-display);font-size:2.2rem;font-weight:800;line-height:1}
.health-score-max{font-size:.72rem;color:var(--text-3);margin-top:2px}
.health-score-label{font-size:.85rem;font-weight:700;margin-bottom:4px}
.health-factors{display:flex;flex-direction:column;gap:8px;width:100%;margin-top:8px}
.health-factor{display:flex;align-items:center;justify-content:space-between;font-size:.8rem;padding:6px 0;border-bottom:1px solid var(--border)}
.health-factor:last-child{border-bottom:none}
.health-factor-label{color:var(--text-2)}
.health-factor-val{font-weight:700}

/* Badges */
.badges-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.badge-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:18px 12px;text-align:center;transition:all .2s}
.badge-card.earned{border-color:var(--accent);background:var(--accent-light)}
.badge-card.locked{opacity:.45;filter:grayscale(1)}
.badge-emoji{font-size:2rem;margin-bottom:8px}
.badge-name{font-size:.78rem;font-weight:700;margin-bottom:3px}
.badge-desc{font-size:.7rem;color:var(--text-3);line-height:1.5}
.badge-earned-date{font-size:.68rem;color:var(--accent);margin-top:4px;font-weight:600}

/* Streak */
.streak-widget{background:linear-gradient(135deg,#FF6B35,#FF8E53);color:#fff;border-radius:var(--r-lg);padding:22px 24px;display:flex;align-items:center;gap:18px;margin-bottom:20px}
.streak-fire{font-size:2.4rem;animation:flicker 1.5s ease-in-out infinite}
@keyframes flicker{0%,100%{transform:scale(1) rotate(-2deg)}50%{transform:scale(1.08) rotate(2deg)}}
.streak-num{font-family:var(--font-display);font-size:2.8rem;font-weight:800;line-height:1}
.streak-label{font-size:.78rem;opacity:.85;margin-top:2px}
.streak-best{margin-left:auto;text-align:right;opacity:.8}
.streak-best-num{font-family:var(--font-display);font-size:1.4rem;font-weight:700}
.streak-best-label{font-size:.72rem;opacity:.75}

/* Community benchmarks */
.benchmark-bar-row{display:flex;align-items:center;gap:12px;margin-bottom:10px}
.benchmark-cat{font-size:.8rem;font-weight:600;min-width:110px;color:var(--text-2)}
.benchmark-bar-wrap{flex:1;height:8px;background:var(--surface-2);border-radius:4px;overflow:hidden;position:relative}
.benchmark-bar-you{height:100%;border-radius:4px;background:var(--accent);transition:width .6s ease}
.benchmark-bar-avg{position:absolute;top:0;height:100%;border-radius:4px;background:rgba(0,0,0,.12)}
.benchmark-pct{font-size:.75rem;font-weight:700;min-width:38px;text-align:right}
.benchmark-pct.over{color:var(--danger)}.benchmark-pct.under{color:var(--green)}
.benchmark-legend{display:flex;gap:16px;font-size:.74rem;color:var(--text-3);margin-bottom:16px}
.benchmark-legend span{display:flex;align-items:center;gap:5px}
.benchmark-legend span::before{content:'';width:12px;height:4px;border-radius:2px}

/* Referral */
.referral-card{background:linear-gradient(135deg,var(--accent) 0%,var(--premium) 100%);color:#fff;border-radius:var(--r-lg);padding:28px}
.referral-code-box{background:rgba(255,255,255,.15);border-radius:var(--r-sm);padding:14px 18px;display:flex;align-items:center;justify-content:space-between;margin:16px 0;cursor:pointer;transition:background .2s}
.referral-code-box:hover{background:rgba(255,255,255,.22)}
.referral-code{font-family:var(--font-display);font-size:1.5rem;font-weight:800;letter-spacing:.08em}
.referral-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.referral-stat{background:rgba(255,255,255,.12);border-radius:var(--r-sm);padding:12px;text-align:center}
.referral-stat-num{font-family:var(--font-display);font-size:1.3rem;font-weight:700}
.referral-stat-lbl{font-size:.7rem;opacity:.75;margin-top:2px}

/* Share card preview */
.share-preview{background:#fff;border-radius:16px;padding:24px;box-shadow:0 8px 32px rgba(0,0,0,.12);max-width:360px;margin:0 auto;font-family:'Plus Jakarta Sans',sans-serif}
.share-preview-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.share-preview-logo{font-family:'Bricolage Grotesque',sans-serif;font-size:1rem;font-weight:700;color:#1847C8}
.share-preview-month{font-size:.75rem;color:#8890A8}
.share-stat-row{display:flex;gap:12px;margin-bottom:14px}
.share-stat{flex:1;padding:12px;border-radius:10px;text-align:center}
.share-stat-val{font-size:1.1rem;font-weight:800;margin-bottom:2px}
.share-stat-lbl{font-size:.68rem;color:#8890A8}
.share-cats{display:flex;flex-direction:column;gap:6px}
.share-cat-row{display:flex;align-items:center;gap:8px;font-size:.78rem}
.share-cat-bar{flex:1;height:6px;background:#EBEEf5;border-radius:3px;overflow:hidden}
.share-cat-fill{height:100%;border-radius:3px;background:#1847C8}

/* Notification pref toggles */
.notif-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden}
.notif-row{display:flex;align-items:center;gap:14px;padding:14px 18px;border-bottom:1px solid var(--border);transition:background .15s}
.notif-row:last-child{border-bottom:none}
.notif-row:hover{background:var(--bg)}
.notif-icon{width:38px;height:38px;border-radius:var(--r-sm);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.notif-info{flex:1}
.notif-title{font-size:.86rem;font-weight:700}
.notif-desc{font-size:.76rem;color:var(--text-3);margin-top:1px}

/* ══ PHASE 7: NRI & GLOBAL ════════════════════════════════ */

/* Multi-currency dashboard */
.currency-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin-bottom:22px; }
.currency-card {
  background:var(--surface); border:1px solid var(--border);
  border-radius:var(--r-lg); padding:18px 20px; position:relative; overflow:hidden;
}
.currency-card::before {
  content:''; position:absolute; top:0; right:0;
  width:60px; height:60px; border-radius:0 0 0 60px;
  background:var(--accent-light); opacity:.5;
}
.currency-flag { font-size:1.6rem; margin-bottom:8px; }
.currency-code { font-size:.72rem; font-weight:700; letter-spacing:.08em; text-transform:uppercase; color:var(--text-3); margin-bottom:4px; }
.currency-amount { font-family:var(--font-display); font-size:1.5rem; font-weight:700; margin-bottom:2px; }
.currency-inr-equiv { font-size:.75rem; color:var(--text-3); }
.currency-rate { font-size:.72rem; color:var(--text-3); margin-top:4px; }
.currency-change { font-size:.72rem; font-weight:700; }
.currency-change.up { color:var(--green); }
.currency-change.down { color:var(--danger); }

/* Rate ticker */
.rate-ticker {
  background:var(--text); color:#fff; padding:10px 20px;
  display:flex; align-items:center; gap:28px; overflow:hidden;
  border-radius:var(--r-sm); margin-bottom:20px; font-size:.8rem;
}
.ticker-item { display:flex; align-items:center; gap:8px; white-space:nowrap; flex-shrink:0; }
.ticker-pair { font-weight:700; opacity:.85; }
.ticker-rate { font-family:var(--font-display); font-size:.92rem; }
.ticker-live { display:flex; align-items:center; gap:5px; margin-left:auto; flex-shrink:0; }
.ticker-live-dot { width:7px; height:7px; border-radius:50%; background:#0BAA6B; animation:livePulse 2s infinite; }
@keyframes livePulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.5;transform:scale(1.4)} }

/* India vs Abroad comparison */
.comparison-wrap { display:grid; grid-template-columns:1fr 1fr; gap:4px; }
.comparison-side {
  background:var(--surface); border:1px solid var(--border); padding:20px 22px;
}
.comparison-side:first-child { border-radius:var(--r-lg) 0 0 var(--r-lg); border-right:none; }
.comparison-side:last-child  { border-radius:0 var(--r-lg) var(--r-lg) 0; }
.comparison-country { font-size:.75rem; font-weight:700; letter-spacing:.08em; text-transform:uppercase; color:var(--text-3); margin-bottom:12px; display:flex; align-items:center; gap:6px; }
.comparison-total { font-family:var(--font-display); font-size:1.8rem; font-weight:700; margin-bottom:14px; }
.comparison-bar-row { display:flex; align-items:center; gap:10px; margin-bottom:8px; }
.comparison-cat { font-size:.78rem; min-width:90px; color:var(--text-2); font-weight:500; }
.comparison-bar-bg { flex:1; height:7px; background:var(--surface-2); border-radius:4px; overflow:hidden; }
.comparison-bar-fill { height:100%; border-radius:4px; }
.comparison-pct { font-size:.75rem; font-weight:700; min-width:34px; text-align:right; }

/* Remittance tracker */
.remit-card {
  background:linear-gradient(135deg,#0D1321 0%,#1A2544 100%);
  color:#fff; border-radius:var(--r-lg); padding:24px; margin-bottom:16px;
}
.remit-title { font-size:.75rem; opacity:.6; font-weight:600; letter-spacing:.08em; text-transform:uppercase; margin-bottom:8px; }
.remit-amount { font-family:var(--font-display); font-size:2.2rem; font-weight:800; margin-bottom:4px; }
.remit-sub { font-size:.82rem; opacity:.7; }
.remit-row { display:flex; justify-content:space-between; align-items:center; padding:12px 0; border-bottom:1px solid rgba(255,255,255,.08); font-size:.82rem; }
.remit-row:last-child { border-bottom:none; }

/* FEMA compliance */
.fema-card {
  border-left:4px solid var(--warn); background:var(--warn-light);
  border-radius:0 var(--r-lg) var(--r-lg) 0; padding:16px 18px; margin-bottom:14px;
}
.fema-title { font-weight:700; font-size:.88rem; color:#92400E; margin-bottom:4px; }
.fema-desc { font-size:.8rem; color:#78350F; line-height:1.7; }
.fema-link { color:#B45309; font-weight:600; }

/* Converter widget */
.converter-wrap { display:grid; grid-template-columns:1fr auto 1fr; gap:16px; align-items:center; }
.converter-amount { font-family:var(--font-display); font-size:2rem; font-weight:700; }
.converter-arrow { font-size:1.8rem; color:var(--text-3); }
.converter-result { font-family:var(--font-display); font-size:2rem; font-weight:700; color:var(--accent); }

@media(max-width:768px) {
  .currency-grid { grid-template-columns:repeat(2,1fr)!important; gap:10px; }
  .comparison-wrap { grid-template-columns:1fr!important; }
  .comparison-side:first-child { border-radius:var(--r-lg) var(--r-lg) 0 0; border-right:1px solid var(--border); border-bottom:none; }
  .comparison-side:last-child  { border-radius:0 0 var(--r-lg) var(--r-lg); }
  .converter-wrap { grid-template-columns:1fr!important; }
}