:root {
  --bg: #f3f5f9;
  --panel: #ffffff;
  --panel-soft: #fbfdff;
  --chart-bg: #ffffff;
  --text: #1f2937;
  --muted: #6b7280;
  --accent: #2563eb;
  --btn-secondary: #334155;
  --btn-tertiary: #4b5563;
  --topbar-bg: #eaf1fb;
  --topbar-text: #0f172a;
  --border: #dbe2ea;
  --ok: #0f766e;
  --input-bg: #ffffff;
  --input-text: #1f2937;
  --table-row-invalid-bg: #fff1f2;
  --table-row-invalid-text: #9f1239;
  --goal-invalid-bg: #fee2e2;
  --goal-invalid-text: #991b1b;
  --row-retired-bg: rgba(22, 101, 52, 0.07);
  --row-retired-text: var(--text);
  --row-retired-border: rgba(22, 101, 52, 0.35);
  --countdown-panel-bg: linear-gradient(135deg, #eff6ff 0%, #dbeafe 100%);
  --countdown-panel-border: #93c5fd;
  --countdown-card-bg: #ffffff;
  --countdown-card-border: #bfdbfe;
  --countdown-value: #1d4ed8;
  --countdown-heading: #1e3a8a;
  --countdown-label: #3b82f6;
  --countdown-goal-label: #1e40af;
  --modal-overlay-bg: rgba(15, 23, 42, 0.58);
  --modal-panel-bg: #ffffff;
  --modal-panel-border: #b8c7db;
  --modal-panel-shadow: 0 24px 54px rgba(15, 23, 42, 0.34);
}

:root[data-theme="dark"] {
  --bg: #0b1220;
  --panel: #121a2a;
  --panel-soft: #172033;
  --chart-bg: #121a2a;
  --text: #e5e7eb;
  --muted: #9ca3af;
  --accent: #3b82f6;
  --btn-secondary: #1f2937;
  --btn-tertiary: #374151;
  --topbar-bg: #020617;
  --topbar-text: #e5e7eb;
  --border: #263247;
  --ok: #34d399;
  --input-bg: #111827;
  --input-text: #e5e7eb;
  --table-row-invalid-bg: #3a1120;
  --table-row-invalid-text: #fecdd3;
  --goal-invalid-bg: #3a1414;
  --goal-invalid-text: #fecaca;
  --row-retired-bg: rgba(134, 239, 172, 0.08);
  --row-retired-text: var(--text);
  --row-retired-border: rgba(134, 239, 172, 0.35);
  --countdown-panel-bg: linear-gradient(135deg, #0f172a 0%, #1e3a5f 100%);
  --countdown-panel-border: #3b82f6;
  --countdown-card-bg: #172033;
  --countdown-card-border: #2563eb;
  --countdown-value: #93c5fd;
  --countdown-heading: #dbeafe;
  --countdown-label: #60a5fa;
  --countdown-goal-label: #bfdbfe;
  --modal-overlay-bg: rgba(2, 6, 23, 0.82);
  --modal-panel-bg: #0f172a;
  --modal-panel-border: #3b4f71;
  --modal-panel-shadow: 0 26px 60px rgba(0, 0, 0, 0.62);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--bg);
}

h1,
h2,
h3 {
  margin: 0 0 0.6rem;
}

p {
  margin: 0.2rem 0 0.8rem;
}

.topbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 1.5rem;
  background: var(--topbar-bg);
  color: var(--topbar-text);
}

.topbar h1 {
  font-size: 1.2rem;
}

.topbar-nav {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.topbar-link {
  padding: 0.35rem 0.5rem;
  border: 0;
  border-radius: 6px;
  background: transparent;
  color: var(--topbar-text);
  font: inherit;
  font-size: 0.88rem;
  text-decoration: underline;
  text-underline-offset: 0.15em;
  cursor: pointer;
}

.topbar-link:hover,
.topbar-link:focus-visible {
  background: rgba(255, 255, 255, 0.1);
  outline: none;
}

.theme-toggle-btn {
  width: 38px;
  height: 38px;
  padding: 0;
  min-width: 38px;
}

.theme-toggle-btn svg {
  width: 22px;
  height: 22px;
  display: block;
}

.privacy-overlay {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
  background: var(--modal-overlay-bg);
  backdrop-filter: blur(1.5px);
}

.privacy-overlay[hidden] {
  display: none;
}

.privacy-dialog {
  position: relative;
  width: min(100%, 560px);
  max-height: min(85vh, 720px);
  overflow: auto;
  padding: 1.25rem 1.25rem 1rem;
  border: 1px solid var(--modal-panel-border);
  border-radius: 10px;
  background: var(--modal-panel-bg);
  color: var(--text);
  box-shadow: var(--modal-panel-shadow);
}

.privacy-dialog h2 {
  margin: 0 2rem 0.75rem 0;
  font-size: 1.15rem;
}

.privacy-dialog h3 {
  margin: 1rem 0 0.35rem;
  font-size: 0.95rem;
}

.privacy-dialog p,
.privacy-dialog ul {
  margin: 0 0 0.75rem;
  font-size: 0.92rem;
  line-height: 1.5;
}

.privacy-dialog ul {
  padding-left: 1.25rem;
}

.privacy-dialog li + li {
  margin-top: 0.35rem;
}

.privacy-close {
  position: absolute;
  top: 0.75rem;
  right: 0.75rem;
  width: 2rem;
  height: 2rem;
  padding: 0;
  border: 0;
  border-radius: 6px;
  background: transparent;
  color: var(--muted);
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
}

.privacy-close:hover,
.privacy-close:focus-visible {
  background: var(--panel-soft);
  color: var(--text);
  outline: none;
}

.privacy-dialog-actions {
  display: flex;
  justify-content: flex-end;
  gap: 0.6rem;
  margin-top: 0.5rem;
}

.container {
  max-width: 1200px;
  margin: 1rem auto;
  padding: 0 1rem 2rem;
  display: grid;
  gap: 1rem;
}

.panel {
  background: var(--panel);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1rem;
}

.muted {
  color: var(--muted);
}

.settings-panel {
  padding: 0;
  overflow: hidden;
}

.settings-panel-trigger {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  width: 100%;
  padding: 1rem 1.1rem;
  border: none;
  border-radius: 10px;
  background: transparent;
  color: var(--text);
  text-align: left;
  cursor: pointer;
  transition: background 0.2s ease;
}

.settings-panel-trigger:hover {
  background: var(--panel-soft);
}

.settings-panel-trigger:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: -2px;
}

.settings-panel-chevron {
  flex-shrink: 0;
  width: 0.55rem;
  height: 0.55rem;
  margin-top: 0.45rem;
  border-right: 2px solid var(--accent);
  border-bottom: 2px solid var(--accent);
  transform: rotate(-45deg);
  transition: transform 0.2s ease;
}

.settings-panel-trigger[aria-expanded="true"] .settings-panel-chevron {
  transform: rotate(45deg);
  margin-top: 0.25rem;
}

.settings-panel-heading {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  min-width: 0;
  flex: 1;
}

.settings-panel-title {
  font-size: 1.15rem;
  font-weight: 700;
}

.settings-panel-summary {
  font-size: 0.88rem;
  line-height: 1.35;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.settings-panel-body {
  padding: 0 1.1rem 1.25rem;
  border-top: 1px solid var(--border);
}

.settings-panel-tabs-wrap {
  padding: 0.8rem 1.1rem 0;
}

.settings-panel-body[hidden] {
  display: none;
}

.settings-panel-body .form-panel {
  padding: 1rem 0 0;
  border: none;
  background: transparent;
}

.settings-panel-body section h3 {
  margin: 0 0 0.6rem;
  font-size: 1rem;
}

.settings-panel-actions {
  margin-top: 0.5rem;
}

.plan-variants {
  margin-bottom: 0.9rem;
}

.plan-variants-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 0.75rem;
}

.plan-delete-btn {
  border: 1px solid #b91c1c;
  background: #dc2626;
  color: #fff;
  border-radius: 6px;
  padding: 0.4rem 0.65rem;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
}

.plan-delete-btn:hover,
.plan-delete-btn:focus-visible {
  background: #b91c1c;
  outline: none;
}

.plan-delete-btn:disabled {
  opacity: 0.55;
  cursor: not-allowed;
}

.plan-tabs {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  flex-wrap: wrap;
  margin-bottom: 0.6rem;
}

.plan-tab {
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--panel);
  color: var(--text);
  padding: 0.28rem 0.7rem;
  font-size: 0.82rem;
  cursor: pointer;
}

.plan-tab:hover {
  background: var(--panel-soft);
}

.plan-tab[aria-selected="true"] {
  border-color: var(--accent);
  color: var(--accent);
  background: color-mix(in srgb, var(--accent) 10%, var(--panel));
  font-weight: 700;
}

.plan-tab-add {
  width: 1.9rem;
  min-width: 1.9rem;
  padding: 0.28rem 0;
  text-align: center;
}

.plan-name-field {
  display: grid;
  gap: 0.3rem;
  margin: 0;
  font-size: 0.88rem;
  font-weight: 600;
  max-width: 320px;
}

.taxfree-options {
  margin-bottom: 0.25rem;
}

.taxfree-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
  align-items: end;
}

.taxfree-row label {
  display: grid;
  gap: 0.3rem;
  margin: 0;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
}

.taxfree-checkbox-field {
  grid-template-rows: auto minmax(2.1rem, auto);
}

.taxfree-checkbox-field input[type="checkbox"] {
  width: 1.1rem;
  height: 1.1rem;
  margin: 0;
  align-self: center;
  justify-self: start;
  cursor: pointer;
}

.taxfree-age-field input,
.taxfree-income-field input {
  width: 100%;
  min-width: 0;
}

.countdown-panel {
  background: var(--countdown-panel-bg);
  border: 2px solid var(--countdown-panel-border);
  border-left: 6px solid var(--accent);
  padding: 0;
  overflow: hidden;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.12);
}

.countdown-panel-trigger .settings-panel-title {
  color: var(--countdown-heading);
}

.countdown-panel-trigger .settings-panel-chevron {
  border-color: var(--accent);
}

.countdown-panel-body {
  padding: 0 1.35rem 1.25rem;
  border-top: 1px solid var(--countdown-panel-border);
}

.countdown-panel-body[hidden] {
  display: none !important;
}

.countdown-goal-label {
  color: var(--countdown-goal-label);
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 1rem;
}

.countdown-refresh-note {
  margin: 0.85rem 0 0;
  font-size: 0.88rem;
  color: var(--countdown-label);
  opacity: 0.9;
}

.countdown-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(100px, 1fr));
  gap: 0.75rem;
}

.countdown-panel .count-card {
  border: 1px solid var(--countdown-card-border);
  border-radius: 10px;
  padding: 0.85rem 0.6rem;
  text-align: center;
  background: var(--countdown-card-bg);
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.06);
}

.countdown-panel .count-card h3 {
  margin-bottom: 0.35rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--countdown-label);
}

.countdown-panel .count-card p {
  font-size: 2rem;
  font-weight: 700;
  line-height: 1.1;
  color: var(--countdown-value);
  margin: 0;
}

.card-row {
  display: grid;
  gap: 0.75rem;
  grid-template-columns: repeat(4, minmax(160px, 1fr));
}

.metric-card {
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 0.6rem;
  background: var(--panel-soft);
}

.metric-card p {
  font-size: 1.1rem;
  font-weight: 700;
  margin: 0.2rem 0;
}

.metric-inline-toggle {
  margin-top: 0.35rem;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.78rem;
  color: var(--muted);
  cursor: pointer;
}

.metric-inline-toggle input[type="checkbox"] {
  width: 0.9rem;
  height: 0.9rem;
  margin: 0;
}

.chart-panel {
  overflow-x: auto;
}

.chart-svg {
  display: block;
  width: 100%;
  min-height: 260px;
  background: var(--chart-bg);
}

.chart-legend {
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
  margin-top: 0.5rem;
  font-size: 0.88rem;
}

.chart-legend-item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--text);
}

.chart-legend-swatch {
  width: 11px;
  height: 11px;
  border-radius: 2px;
  display: inline-block;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

.data-table th,
.data-table td {
  border: 1px solid var(--border);
  padding: 0.45rem;
  text-align: right;
}

.data-table th {
  background: var(--panel-soft);
}

.data-table th:first-child,
.data-table td:first-child {
  text-align: left;
}

.table-wrap {
  max-height: min(78vh, 1000px);
  overflow: auto;
}

.table-wrap .data-table thead th {
  position: sticky;
  top: 0;
  z-index: 2;
  background: var(--panel-soft);
  box-shadow: 0 1px 0 var(--border);
}

.assumptions p:last-of-type {
  margin-bottom: 0.4rem;
}

.form-panel section {
  margin-bottom: 1.2rem;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.75rem;
}

label {
  display: grid;
  gap: 0.3rem;
  font-size: 0.9rem;
}

input,
select,
button {
  font: inherit;
}

input,
select {
  padding: 0.45rem;
  border: 1px solid var(--border);
  border-radius: 6px;
  background: var(--input-bg);
  color: var(--input-text);
}

button,
.btn-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.5rem 0.8rem;
  border-radius: 6px;
  border: 1px solid transparent;
  background: var(--accent);
  color: #fff;
  text-decoration: none;
  cursor: pointer;
}

.btn-link {
  background: var(--btn-secondary);
}

button.btn-secondary {
  background: var(--btn-secondary);
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  align-items: center;
}

.checkbox-list {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 0.8rem;
}

.checkbox-list label {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.form-error {
  color: #b91c1c;
  min-height: 1.2rem;
  margin-bottom: 0.7rem;
}

.form-inline-warning {
  grid-column: 1 / -1;
  color: #92400e;
  background: #fffbeb;
  border: 1px solid #facc15;
  border-radius: 6px;
  padding: 0.5rem 0.6rem;
  font-size: 0.88rem;
}

.settings-note {
  grid-column: 1 / -1;
  margin: 0.2rem 0 0;
  color: var(--muted);
  font-size: 0.88rem;
}

.settings-note-after-taxfree {
  margin-bottom: 0.85rem;
}

.contribution-preview {
  font-weight: 600;
  color: var(--text);
}

.retirement-goals-planning {
  margin-top: 0.15rem;
}

.planning-mode-row {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  align-items: end;
}

.planning-mode-select,
.planning-mode-fields label {
  margin: 0;
}

.planning-mode-fields[hidden] {
  display: none !important;
}

.planning-mode-help[hidden] {
  display: none !important;
}

.ok-badge {
  color: var(--ok);
  font-weight: 700;
}

.taxfree-toggle {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.75rem;
  font-weight: 600;
  cursor: pointer;
}

.taxfree-toggle input {
  width: 1.1rem;
  height: 1.1rem;
  cursor: pointer;
}

.taxfree-advisory-lead {
  font-size: 1rem;
  line-height: 1.45;
  margin-bottom: 0.75rem;
}

.taxfree-cash-to-spend {
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.taxfree-advisory-note {
  margin-top: 0.6rem;
  margin-bottom: 0;
  font-size: 0.88rem;
}

.warning-panel {
  border-color: #facc15;
  background: #fffbeb;
  color: #92400e;
  font-weight: 700;
}

.warning-panel ul {
  margin: 0.4rem 0 0;
  padding-left: 1.1rem;
  font-weight: 500;
}

.row-invalid td {
  background: var(--table-row-invalid-bg);
  color: var(--table-row-invalid-text);
  font-weight: 700;
}

.row-retired td {
  background: var(--row-retired-bg);
  color: var(--row-retired-text);
}

.row-retire-start td {
  border-top: 2px solid var(--row-retired-border);
}

.projection-retirement-marker {
  margin: 0 0 0.6rem;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--row-retired-text);
}

.retire-badge {
  display: inline-block;
  margin-left: 0.35rem;
  padding: 0.05rem 0.4rem;
  border-radius: 999px;
  font-size: 0.72rem;
  font-weight: 700;
  background: var(--row-retired-bg);
  color: var(--muted);
  border: 1px solid var(--row-retired-border);
}

.goal-status-invalid td {
  background: var(--goal-invalid-bg);
  color: var(--goal-invalid-text);
  font-weight: 700;
  text-align: left;
}

@media (max-width: 900px) {
  .countdown-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .card-row {
    grid-template-columns: repeat(2, minmax(160px, 1fr));
  }

  .planning-mode-row {
    grid-template-columns: 1fr;
  }

  .taxfree-row {
    grid-template-columns: 1fr;
  }

  .plan-name-field {
    max-width: none;
  }

  .plan-variants-head {
    flex-direction: column;
    align-items: stretch;
  }
}