:root{
  --bg:#eef2f7;
  --panel:#ffffff;
  --panel-soft:#f7f9fc;
  --text:#172033;
  --muted:#68758a;
  --line:#dce3ed;
  --line-strong:#c8d2df;
  --primary:#2563eb;
  --primary-strong:#1d4ed8;
  --primary-soft:#eaf1ff;
  --navy:#0f1b2d;
  --navy-2:#16263e;
  --green:#138a5b;
  --green-soft:#e8f7f0;
  --red:#c43e4f;
  --red-soft:#fff0f2;
  --amber:#c47a12;
  --amber-soft:#fff7e7;
  --teal:#0f8b8d;
  --purple:#7357c7;
  --shadow:0 14px 38px rgba(32,47,70,.08);
  --shadow-soft:0 6px 18px rgba(32,47,70,.06);
  --radius:18px;
  --radius-small:12px;
}

body.dark{
  --bg:#0d1420;
  --panel:#121d2b;
  --panel-soft:#172435;
  --text:#eef4ff;
  --muted:#9eb0c5;
  --line:#29384b;
  --line-strong:#3b4d64;
  --primary-soft:#19345e;
  --navy:#080e17;
  --navy-2:#111d2d;
  --green-soft:#12362c;
  --red-soft:#3c2028;
  --amber-soft:#392e1a;
  --shadow:0 18px 42px rgba(0,0,0,.22);
  --shadow-soft:0 8px 20px rgba(0,0,0,.16);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  min-width:320px;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.48;
}
button,input,select{font:inherit}
button{color:inherit}
button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid rgba(37,99,235,.22);outline-offset:2px}

.app-header{
  position:sticky;
  top:0;
  z-index:30;
  min-height:76px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:12px 24px;
  background:rgba(15,27,45,.96);
  color:#fff;
  border-bottom:1px solid rgba(255,255,255,.08);
  backdrop-filter:blur(18px);
}
.brand{display:flex;align-items:center;gap:12px;min-width:0}
.brand-mark{width:42px;height:42px;display:grid;place-items:center;border-radius:13px;background:linear-gradient(145deg,#3b82f6,#2056c7);box-shadow:0 8px 18px rgba(37,99,235,.28)}
.brand-mark svg{width:28px;height:28px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.brand strong{display:block;font-size:1.05rem;letter-spacing:-.02em}
.brand span{display:block;color:#b8c5d6;font-size:.78rem;white-space:nowrap}
.header-actions{display:flex;align-items:center;gap:9px}

.app-shell{
  display:grid;
  grid-template-columns:minmax(330px,390px) minmax(0,1fr);
  gap:22px;
  max-width:1680px;
  margin:0 auto;
  padding:22px;
}
.sidebar{min-width:0}
.content{min-width:0}
.panel{
  background:var(--panel);
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow-soft);
  padding:20px;
  margin-bottom:18px;
}
.input-panel{padding:0;overflow:hidden}
.scenario-panel{position:relative}
.panel-title-row{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:16px}
.panel-title-row h2{margin:0;font-size:1.2rem;line-height:1.2;letter-spacing:-.02em}
.eyebrow{margin:0 0 4px;color:var(--primary);font-size:.68rem;text-transform:uppercase;letter-spacing:.13em;font-weight:850}

.button,.mini-button,.square-button,.icon-button{
  border:0;
  border-radius:11px;
  cursor:pointer;
  font-weight:760;
  transition:.18s ease;
}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:9px 14px;white-space:nowrap}
.button.primary{background:var(--primary);color:#fff;box-shadow:0 8px 18px rgba(37,99,235,.18)}
.button.primary:hover{background:var(--primary-strong);transform:translateY(-1px)}
.button.secondary{background:var(--primary-soft);color:var(--primary-strong)}
.button.subtle{background:var(--panel-soft);border:1px solid var(--line);color:var(--text)}
.button.ghost{background:rgba(255,255,255,.09);color:#fff;border:1px solid rgba(255,255,255,.14)}
.button.full{width:100%}
.mini-button{background:var(--panel-soft);border:1px solid var(--line);padding:6px 10px;font-size:.78rem}
.square-button,.icon-button{width:40px;height:40px;display:grid;place-items:center;background:var(--panel-soft);border:1px solid var(--line)}
.app-header .icon-button{background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.14);color:#fff}
.button:hover,.mini-button:hover,.square-button:hover,.icon-button:hover{filter:brightness(.98);border-color:var(--line-strong)}
.file-button{position:relative;overflow:hidden;cursor:pointer}
.file-button input{position:absolute;inset:0;opacity:0;cursor:pointer}

.scenario-select-row{display:grid;grid-template-columns:1fr 40px;gap:8px;margin-bottom:11px}
.scenario-buttons{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-top:12px}
.compact-field{display:block}
.compact-field span{display:block;margin:0 0 6px;color:var(--muted);font-size:.76rem;font-weight:750}
.compact-field input,.scenario-select-row select{width:100%;height:40px;border:1px solid var(--line-strong);border-radius:10px;background:var(--panel);color:var(--text);padding:0 11px}

.sticky-title{padding:19px 20px 14px;margin:0;border-bottom:1px solid var(--line);background:var(--panel)}
details{border-bottom:1px solid var(--line)}
details:last-of-type{border-bottom:0}
summary{
  list-style:none;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:12px;
  min-height:54px;
  padding:14px 20px;
  cursor:pointer;
  font-weight:820;
  user-select:none;
}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.25rem;color:var(--muted);font-weight:500}
details[open] summary::after{content:"−"}
summary em{margin-left:auto;color:var(--muted);font-size:.72rem;font-style:normal;font-weight:700}
details[open] summary{background:var(--panel-soft)}
.loan-details summary{border-left:4px solid transparent;padding-left:16px}
.bank-loan summary{border-left-color:var(--primary)}
.subsidy-loan summary{border-left-color:var(--teal)}
.fields-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;padding:16px 20px 20px}
.field{display:block;min-width:0}
.field.span-2,.check-field.span-2{grid-column:1/-1}
.field>span{display:flex;align-items:center;gap:6px;margin-bottom:6px;color:var(--muted);font-size:.75rem;font-weight:760}
.field i[data-tip]{position:relative;display:inline-grid;place-items:center;width:16px;height:16px;border-radius:50%;background:var(--primary-soft);color:var(--primary);font-size:.65rem;font-style:normal;cursor:help}
.field i[data-tip]:hover::after{content:attr(data-tip);position:absolute;left:22px;top:-8px;z-index:50;width:220px;padding:9px 10px;background:var(--navy);color:#fff;border-radius:9px;box-shadow:var(--shadow);font-weight:500;line-height:1.35}
.input-affix{display:flex;align-items:stretch;border:1px solid var(--line-strong);border-radius:10px;background:var(--panel);overflow:hidden;transition:.16s ease}
.input-affix:focus-within{border-color:var(--primary);box-shadow:0 0 0 3px rgba(37,99,235,.11)}
.input-affix input{min-width:0;width:100%;height:41px;border:0;background:transparent;color:var(--text);padding:0 10px;outline:0}
.input-affix b{display:flex;align-items:center;padding:0 9px;background:var(--panel-soft);border-left:1px solid var(--line);color:var(--muted);font-size:.72rem;white-space:nowrap}
.field select{width:100%;height:42px;border:1px solid var(--line-strong);border-radius:10px;background:var(--panel);color:var(--text);padding:0 10px}
.check-field{display:flex;align-items:flex-start;gap:9px;color:var(--text);font-size:.78rem;font-weight:690;line-height:1.35;padding-top:3px}
.check-field input{width:17px;height:17px;margin:1px 0 0;accent-color:var(--primary)}
.conditional-later,.manual-budget{display:none}
body.strategy-later .conditional-later{display:block}
body.manual-budget-mode .manual-budget{display:block}
.section-note{margin:0;padding:0 20px 19px;color:var(--muted);font-size:.78rem}
.computed-box{margin:0 20px 20px;padding:12px 13px;border-radius:12px;background:var(--primary-soft);border:1px solid rgba(37,99,235,.14)}
.computed-box span,.computed-box small{display:block}
.computed-box span{color:var(--muted);font-size:.72rem}
.computed-box strong{display:block;margin:2px 0;font-size:1.08rem}
.computed-box small{color:var(--muted);font-size:.7rem}
.loan-result-strip{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:0 20px 20px}
.loan-result-strip span{padding:10px;border:1px solid var(--line);border-radius:10px;background:var(--panel-soft);color:var(--muted);font-size:.69rem}
.loan-result-strip strong{display:block;color:var(--text);font-size:.82rem;margin-top:2px}
.sidebar-actions{display:grid;grid-template-columns:1fr 1fr;gap:9px;padding:18px 20px;background:var(--panel-soft);border-top:1px solid var(--line)}

.hero-dashboard{
  position:relative;
  overflow:hidden;
  min-height:220px;
  display:grid;
  grid-template-columns:minmax(0,1.4fr) minmax(270px,.6fr);
  gap:28px;
  align-items:center;
  padding:30px;
  background:linear-gradient(135deg,var(--navy),var(--navy-2));
  color:#fff;
  border-color:transparent;
  box-shadow:var(--shadow);
}
.hero-dashboard::before{content:"";position:absolute;width:330px;height:330px;border-radius:50%;right:-110px;top:-150px;background:radial-gradient(circle,rgba(59,130,246,.35),rgba(59,130,246,0) 68%)}
.hero-copy{position:relative;z-index:1}
.hero-copy .eyebrow{color:#80afff}
.hero-copy h1{margin:0;font-size:clamp(1.7rem,3.2vw,2.75rem);letter-spacing:-.045em;line-height:1.07}
.hero-copy>p:not(.eyebrow){max-width:760px;margin:13px 0 18px;color:#c2cfdf;font-size:.95rem}
.hero-pills{display:flex;flex-wrap:wrap;gap:8px}
.hero-pills span{padding:7px 10px;border-radius:999px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.12);color:#dbe7f6;font-size:.72rem;font-weight:700}
.decision-score{position:relative;z-index:1;padding:20px;border-radius:16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13);backdrop-filter:blur(8px)}
.decision-score span,.decision-score small{display:block;color:#b9c7d9}
.decision-score span{font-size:.72rem;font-weight:760;text-transform:uppercase;letter-spacing:.06em}
.decision-score strong{display:block;margin:7px 0 3px;font-size:clamp(1.8rem,3vw,2.6rem);line-height:1;letter-spacing:-.04em}
.decision-score small{font-size:.75rem}
.decision-score.positive strong{color:#69e3ad}
.decision-score.negative strong{color:#ff9cac}

.kpi-grid,.rental-kpi-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px;margin-bottom:18px}
.rental-kpi-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.kpi-card{background:var(--panel);border:1px solid var(--line);border-radius:15px;padding:16px;box-shadow:var(--shadow-soft);min-width:0}
.kpi-card>span{display:block;color:var(--muted);font-size:.72rem;font-weight:720}
.kpi-card>strong{display:block;margin:6px 0 3px;font-size:1.3rem;line-height:1.12;letter-spacing:-.035em;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.kpi-card>small{display:block;color:var(--muted);font-size:.69rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.positive{color:var(--green)!important}
.negative{color:var(--red)!important}
.warning{color:var(--amber)!important}

.tabs{display:flex;gap:7px;margin:0 0 18px;padding:6px;background:var(--panel);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-soft);overflow:auto}
.tab{flex:0 0 auto;border:0;background:transparent;color:var(--muted);border-radius:9px;padding:9px 14px;font-size:.8rem;font-weight:770;cursor:pointer}
.tab.active{background:var(--navy);color:#fff;box-shadow:0 6px 14px rgba(15,27,45,.16)}
.tab-page{display:none}
.tab-page.active{display:block}

.chart-panel{overflow:hidden}
.chart-legend{display:flex;flex-wrap:wrap;gap:13px;color:var(--muted);font-size:.72rem}
.chart-legend span{display:flex;align-items:center;gap:6px}
.legend-dot{width:10px;height:10px;border-radius:50%}
.legend-dot.buy{background:var(--primary)}
.legend-dot.rent{background:var(--amber)}
.legend-dot.reference{background:var(--purple)}
.legend-dot.withdrawal{background:var(--red)}
.canvas-wrap{position:relative;min-height:300px;overflow:hidden}
canvas{display:block;width:100%;height:auto;min-height:280px}
.chart-tooltip{position:absolute;z-index:10;pointer-events:none;display:none;min-width:155px;padding:9px 10px;border-radius:10px;background:rgba(15,27,45,.94);color:#fff;box-shadow:var(--shadow);font-size:.72rem;line-height:1.55;transform:translate(-50%,-115%)}
.chart-tooltip strong{font-size:.78rem}
.two-column{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(300px,.8fr);gap:18px}
.compact-chart canvas{min-height:260px}
.insight-list{display:grid;gap:10px}
.insight{position:relative;padding:12px 13px 12px 40px;border:1px solid var(--line);border-radius:12px;background:var(--panel-soft);font-size:.78rem;color:var(--muted)}
.insight::before{content:"";position:absolute;left:14px;top:14px;width:14px;height:14px;border-radius:50%;background:var(--primary-soft);border:4px solid var(--primary)}
.insight strong{color:var(--text)}

.wealth-composition{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.composition-card{padding:16px;border:1px solid var(--line);border-radius:14px;background:var(--panel-soft)}
.composition-card h3{margin:0 0 12px;font-size:.95rem}
.composition-row{display:grid;grid-template-columns:125px 1fr auto;gap:10px;align-items:center;margin:9px 0;font-size:.74rem}
.composition-row>span:first-child{color:var(--muted)}
.composition-track{height:8px;border-radius:999px;background:var(--line);overflow:hidden}
.composition-fill{height:100%;border-radius:999px;background:var(--primary)}
.composition-fill.rent{background:var(--amber)}
.composition-fill.debt{background:var(--red)}
.composition-fill.reference{background:var(--purple)}

.finance-summary-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.finance-card{padding:15px;border-radius:13px;border:1px solid var(--line);background:var(--panel-soft)}
.finance-card h3{margin:0 0 12px;font-size:.91rem}
.finance-card dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:8px 10px;font-size:.73rem}
.finance-card dt{color:var(--muted)}
.finance-card dd{margin:0;font-weight:770;text-align:right}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:12px}
table{width:100%;border-collapse:collapse;font-size:.75rem;min-width:850px}
th,td{padding:10px 11px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
th{background:var(--navy);color:#fff;font-weight:780;position:sticky;top:0;z-index:2}
th:first-child,td:first-child{text-align:left}
tbody tr:nth-child(even){background:var(--panel-soft)}
tbody tr:hover{background:var(--primary-soft)}
.annual-table{max-height:620px}
.cell-positive{background:var(--green-soft)!important;color:var(--green);font-weight:850}
.cell-negative{background:var(--red-soft)!important;color:var(--red);font-weight:850}

.waterfall{display:grid;gap:10px}
.waterfall-row{display:grid;grid-template-columns:150px 1fr 90px;gap:10px;align-items:center;font-size:.75rem}
.waterfall-row>span:first-child{color:var(--muted)}
.waterfall-track{height:12px;background:var(--line);border-radius:999px;overflow:hidden}
.waterfall-fill{height:100%;border-radius:999px;background:var(--green)}
.waterfall-fill.cost{background:var(--red)}
.waterfall-row strong{text-align:right}
.rent-threshold{padding:12px 0}
.rent-threshold>strong{display:block;font-size:2rem;letter-spacing:-.04em}
.rent-threshold>span{display:block;max-width:430px;color:var(--muted);font-size:.78rem;margin:5px 0 18px}
.threshold-track{position:relative;height:18px;background:var(--line);border-radius:999px;overflow:visible;margin:8px 0}
.threshold-current,.threshold-required{position:absolute;top:0;height:100%;border-radius:999px}
.threshold-current{left:0;background:var(--green);opacity:.45}
.threshold-required{width:3px;background:var(--red);transform:translateX(-1px)}
.threshold-labels{display:flex;justify-content:space-between;color:var(--muted);font-size:.68rem}
.mini-metrics{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-top:18px}
.mini-metric{padding:10px;border-radius:10px;background:var(--panel-soft);border:1px solid var(--line)}
.mini-metric span,.mini-metric strong{display:block}
.mini-metric span{font-size:.67rem;color:var(--muted)}
.mini-metric strong{font-size:.86rem;margin-top:2px}

.stress-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.stress-card{padding:15px;border-radius:13px;background:var(--panel-soft);border:1px solid var(--line)}
.stress-card span,.stress-card small{display:block;color:var(--muted)}
.stress-card span{font-size:.72rem}
.stress-card strong{display:block;font-size:1.15rem;margin:5px 0 2px}
.stress-card small{font-size:.68rem}

.validation-box{padding:13px 15px;margin-bottom:18px;border:1px solid #efb4bc;border-radius:13px;background:var(--red-soft);color:var(--red);font-size:.8rem}
.validation-box strong{display:block;margin-bottom:4px}
.validation-box ul{margin:5px 0 0;padding-left:18px}
.disclaimer{font-size:.76rem;color:var(--muted)}
.disclaimer strong{color:var(--text)}
.disclaimer p{margin:5px 0 0}
.toast{position:fixed;right:22px;bottom:22px;z-index:100;max-width:360px;padding:12px 15px;border-radius:12px;background:var(--navy);color:#fff;box-shadow:var(--shadow);font-size:.78rem;opacity:0;transform:translateY(14px);pointer-events:none;transition:.2s ease}
.toast.show{opacity:1;transform:translateY(0)}

@media(max-width:1280px){
  .app-shell{grid-template-columns:350px minmax(0,1fr)}
  .kpi-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .rental-kpi-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .two-column{grid-template-columns:1fr}
}
@media(max-width:980px){
  .app-header{position:relative;padding:12px 16px}
  .brand span{display:none}
  .header-actions .ghost{display:none}
  .app-shell{grid-template-columns:1fr;padding:14px}
  .sidebar{order:0}
  .content{order:1}
  .hero-dashboard{grid-template-columns:1fr}
  .scenario-panel{margin-bottom:14px}
}
@media(max-width:680px){
  .app-header{min-height:66px}
  .app-header .button.primary{display:none}
  .brand-mark{width:38px;height:38px}
  .panel{padding:15px;border-radius:14px}
  .input-panel{padding:0}
  .sticky-title{padding:16px}
  summary{padding:13px 16px}
  .fields-grid{grid-template-columns:1fr;padding:14px 16px 18px}
  .field.span-2,.check-field.span-2{grid-column:auto}
  .computed-box{margin:0 16px 17px}
  .loan-result-strip{grid-template-columns:1fr;padding:0 16px 18px}
  .sidebar-actions{grid-template-columns:1fr;padding:16px}
  .scenario-buttons{grid-template-columns:1fr 1fr}
  .scenario-buttons .secondary{grid-column:1/-1}
  .hero-dashboard{padding:22px;min-height:0}
  .kpi-grid,.rental-kpi-grid{grid-template-columns:1fr}
  .tabs{position:sticky;top:0;z-index:12}
  .wealth-composition{grid-template-columns:1fr}
  .finance-summary-grid{grid-template-columns:1fr}
  .stress-grid{grid-template-columns:1fr 1fr}
  .chart-legend{display:none}
  .waterfall-row{grid-template-columns:110px 1fr 76px}
}

@media print{
  body{background:#fff;color:#111}
  .app-header,.sidebar,.tabs,.button,.disclaimer,.toast{display:none!important}
  .app-shell{display:block;max-width:none;padding:0}
  .content{width:100%}
  .tab-page{display:block!important}
  .panel,.kpi-card{box-shadow:none;break-inside:avoid;border-color:#ccc}
  .hero-dashboard{background:#fff;color:#111;border:1px solid #ccc}
  .hero-copy>p:not(.eyebrow),.decision-score span,.decision-score small{color:#444}
  canvas{max-height:340px}
}