/* ═══════════════════════════════════════════════
       RESET & BASE
       ═══════════════════════════════════════════════ */
        *,
        *::before,
        *::after {
            box-sizing: border-box;
            margin: 0;
            padding: 0;
        }

        :root {
            --bg: #f4f5f7;
            --surface: #ffffff;
            --border: #e2e5ea;
            --text: #1a1d23;
            --text-secondary: #5f6672;
            --input-bg: #ffffff;
            /* Default background for inputs */
            --accent: #4f46e5;
            --accent-light: #eef2ff;
            --green: #10b981;
            --green-bg: #ecfdf5;
            --green-border: #a7f3d0;
            --purple: #7c3aed;
            --purple-bg: #f5f3ff;
            --orange: #f59e0b;
            --orange-bg: #fffbeb;
            --winner-green: #059669;
            --s1-color: #3b82f6;
            --s2-color: #7c3aed;
            --equity-color: #3b82f6;
            --portfolio-color: #7c3aed;
            /* Investment Calculator Fund Colors */
            --invest-stock: #4f46e5;
            --invest-sp500: #2563eb;
            --invest-intl: #0d9488;
            --invest-bonds: #d97706;
            --invest-target: #e11d48;
            --invest-hysa: #64748b;
            --invest-contrib: rgba(100, 116, 139, 0.5);

            --radius: 0.8rem;
            --radius-sm: 0.5333rem;
            --shadow: 0 1px 3px rgba(0, 0, 0, 0.06), 0 1px 2px rgba(0, 0, 0, 0.04);
            --shadow-md: 0 0.2667rem 0.8rem rgba(0, 0, 0, 0.07), 0 2px 0.2667rem rgba(0, 0, 0, 0.04);
            /* ── Typography Scale Tokens ── */
            --text-sm: clamp(0.875rem, 1vw, 0.9rem);
            --text-base: clamp(1rem, 1.2vw, 1.05rem);
            --text-md: clamp(1.125rem, 1.5vw, 1.25rem);
            --text-lg: clamp(1.25rem, 2vw, 1.5rem);
            --text-xl: clamp(1.5rem, 2.5vw, 2rem);
            --text-2xl: clamp(2rem, 3.5vw, 2.75rem);
        }

        [data-theme="dark"] {
            --bg: #111827;
            --surface: #1f2937;
            --surface-hover: #374151;
            /* Lighter surface for panels/nested */
            --border: #374151;
            --text: #f9fafb;
            --text-secondary: #9ca3af;
            --accent: #6366f1;
            --accent-light: #3730a3;
            --green: #10b981;
            --green-bg: #064e3b;
            --green-border: #047857;
            --orange: #f59e0b;
            --orange-bg: #78350f;
            --purple-bg: #1f2937;
            --shadow: 0 1px 3px rgba(0, 0, 0, 0.6), 0 1px 2px rgba(0, 0, 0, 0.4);
            --shadow-md: 0 0.2667rem 0.8rem rgba(0, 0, 0, 0.7), 0 2px 0.2667rem rgba(0, 0, 0, 0.4);
            --input-bg: #111827;
            /* Dark background for input fields */
            /* Investment Calculator Fund Colors (Dark) */
            --invest-stock: #818cf8;
            --invest-sp500: #60a5fa;
            --invest-intl: #2dd4bf;
            --invest-bonds: #fbbf24;
            --invest-target: #fb7185;
            --invest-hysa: #94a3b8;
            --invest-contrib: rgba(148, 163, 184, 0.5);
            --s1-footer-bg: #1e293b;
            --s2-footer-bg: #2e1065;
            --footer-title-color: #94a3b8;
            --footer-negative-val: var(--text-secondary);
            --leader-line-color: rgba(255, 255, 255, 0.4);
            --leader-text-color: #ffffff;
            --s1-text-color: #ffffff;
            --s2-text-color: #ffffff;
        }

        [data-theme="dark"] .cashflow-card .cf-header {
            background: var(--surface-hover);
        }

        [data-theme="dark"] .how-it-works {
            background: var(--bg);
        }

        [data-theme="dark"] .tab-btn {
            background: #374151;
            color: #d1d5db;
        }

        [data-theme="dark"] .tab-btn.active {
            background: #1f2937;
            color: #f9fafb;
            box-shadow: inset 0 -2px 0 var(--accent);
        }

        [data-theme="dark"] input[type="range"] {
            background: linear-gradient(to right,
                var(--accent) 0%,
                var(--accent) var(--slider-fill, 0%),
                #4b5563 var(--slider-fill, 0%),
                #4b5563 100%);
        }

        [data-theme="dark"] .data-table thead th {
            background: #374151;
            border-bottom-color: #4b5563;
            color: #d1d5db;
        }

        [data-theme="dark"] .data-table tbody td {
            border-bottom-color: var(--border);
        }

        [data-theme="dark"] .data-table tbody tr:hover {
            background: var(--surface-hover);
        }

        [data-theme="dark"] .data-table tbody tr.highlight {
            background: #064e3b;
        }

        [data-theme="dark"] .tax-drag-box {
            border-color: #b45309;
        }

        [data-theme="dark"] .chart-note.important {
            border-color: #b45309;
            color: #fcd34d;
        }

        html {
            font-size: 1rem;
        }

        body {
            font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
            background: var(--bg);
            color: var(--text);
            line-height: 1.5;
            -webkit-font-smoothing: antialiased;
        }

        /* ═══════════════════════════════════════════════
       GLOBAL APP BAR
       ═══════════════════════════════════════════════ */
        .app-bar {
            position: sticky;
            top: 0;
            z-index: 100;
            width: 100%;
            background: var(--surface);
            border-bottom: 1px solid var(--border);
            box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
        }

        [data-theme="dark"] .app-bar {
            background: #1a2234;
            border-bottom: 1px solid rgba(255, 255, 255, 0.08);
            box-shadow: 0 1px 4px rgba(0, 0, 0, 0.3);
        }

        .app-bar-inner {
            width: 95vw;
            max-width: 1600px;
            margin: 0 auto;
            padding: 0 1.6rem;
            display: flex;
            align-items: stretch;
        }

        .app-bar-brand {
            display: flex;
            align-items: center;
            gap: 0.75rem;
            padding: 1rem 0;
        }

        .app-bar-logo {
            width: 2.25rem;
            height: 2.25rem;
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
        }

        .app-bar-brand h1 {
            font-size: 1.35rem;
            font-weight: 700;
            letter-spacing: -0.3px;
            line-height: 1.2;
            white-space: nowrap;
        }

        .app-bar-utils {
            display: flex;
            align-items: center;
            gap: 0.75rem;
            margin-left: auto;
            padding: 1rem 0;
        }

        /* ═══════════════════════════════════════════════
       LAYOUT
       ═══════════════════════════════════════════════ */
        .app-container {
            width: 95vw;
            max-width: 1600px;
            margin: 0 auto;
            min-height: 100vh;
            padding: 2.5rem 1.6rem 4rem;
            display: grid;
            grid-template-columns: clamp(300px, 25vw, 400px) 1fr;
            gap: 2rem;
            align-items: start;
        }

        .app-container>* {
            min-width: 0;
        }

        /* ═══════════════════════════════════════════════
       CARDS
       ═══════════════════════════════════════════════ */
        .card {
            background: var(--surface);
            border: 1px solid var(--border);
            border-radius: var(--radius);
            padding: 1.6rem;
            box-shadow: var(--shadow);
        }

        /* ═══════════════════════════════════════════════
       LEFT PANEL — INPUTS
       ═══════════════════════════════════════════════ */
        .inputs-panel {
            position: sticky;
            top: 1.3333rem;
        }

        .panel-title {
            font-size: var(--text-lg);
            font-weight: 700;
            margin-bottom: 2px;
            display: flex;
            align-items: center;
            gap: 0.5333rem;
        }

        .panel-subtitle {
            color: var(--text-secondary);
            font-size: var(--text-sm);
            margin-bottom: 1.3333rem;
        }

        /* Input group */
        .input-group {
            margin-bottom: 1.3333rem;
        }

        .input-group label {
            display: block;
            font-size: var(--text-base);
            font-weight: 500;
            color: var(--text-secondary);
            margin-bottom: 0.4rem;
        }

        .input-row {
            display: flex;
            align-items: center;
            gap: 0.5333rem;
        }

        .input-row .unit {
            font-size: var(--text-base);
            color: var(--text-secondary);
            font-weight: 500;
            flex-shrink: 0;
        }

        .input-row input {
            width: 145px;
            border: 1px solid var(--border);
            border-radius: var(--radius-sm);
            padding: 0.65rem 0.75rem;
            font-family: inherit;
            font-size: var(--text-md);
            font-weight: 400;
            text-align: right;
            color: var(--text);
            background-color: var(--input-bg);
            outline: none;
            min-height: 44px;
            transition: border-color 0.15s;
        }

        .input-row input:focus {
            border-color: var(--accent);
            box-shadow: 0 0 0 3px rgba(79, 70, 229, 0.1);
        }

        /* Hide number spinners */
        input[type="number"]::-webkit-outer-spin-button,
        input[type="number"]::-webkit-inner-spin-button {
            -webkit-appearance: none;
            margin: 0;
        }

        input[type="number"] {
            -moz-appearance: textfield;
        }

        /* Sliders */
        input[type="range"] {
            -webkit-appearance: none;
            appearance: none;
            width: 100%;
            height: 0.4rem;
            border-radius: 3px;
            background: linear-gradient(to right,
                var(--accent) 0%,
                var(--accent) var(--slider-fill, 0%),
                #e2e5ea var(--slider-fill, 0%),
                #e2e5ea 100%);
            outline: none;
            margin-top: 0.75rem;
            margin-bottom: 0.25rem;
            cursor: pointer;
        }

        input[type="range"]::-webkit-slider-thumb {
            -webkit-appearance: none;
            height: 1.2rem;
            width: 1.2rem;
            border-radius: 50%;
            background: var(--accent);
            cursor: pointer;
            border: 3px solid white;
            box-shadow: 0 1px 0.2667rem rgba(0, 0, 0, 0.2);
            transition: transform 0.1s;
        }

        input[type="range"]::-webkit-slider-thumb:hover {
            transform: scale(1.15);
        }

        input[type="range"]::-moz-range-thumb {
            height: 0.9333rem;
            width: 0.9333rem;
            border-radius: 50%;
            background: var(--accent);
            cursor: pointer;
            border: 3px solid white;
            box-shadow: 0 1px 0.2667rem rgba(0, 0, 0, 0.2);
        }

        .scenario-box.s2 input[type="range"] {
            background: linear-gradient(to right,
                var(--s2-color) 0%,
                var(--s2-color) var(--slider-fill, 0%),
                #e2e5ea var(--slider-fill, 0%),
                #e2e5ea 100%);
        }

        [data-theme="dark"] .scenario-box.s2 input[type="range"] {
            background: linear-gradient(to right,
                var(--s2-color) 0%,
                var(--s2-color) var(--slider-fill, 0%),
                #4b5563 var(--slider-fill, 0%),
                #4b5563 100%);
        }

        .scenario-box.s2 input[type="range"]::-webkit-slider-thumb {
            background: var(--s2-color);
        }

        .scenario-box.s2 input[type="range"]::-moz-range-thumb {
            background: var(--s2-color);
        }

        /* Scenario boxes */
        .scenario-box {
            border: 1.5px solid var(--border);
            border-radius: var(--radius-sm);
            padding: 1.25rem;
            margin-bottom: 1.3333rem;
        }

        .scenario-box.s1 {
            border-color: var(--s1-color);
            background: rgba(59, 130, 246, 0.03);
        }

        .scenario-box.s2 {
            border-color: var(--s2-color);
            background: var(--purple-bg);
        }

        .scenario-box .scenario-label {
            font-size: var(--text-base);
            font-weight: 700;
            margin-bottom: 0.4rem;
        }

        .scenario-box.s1 .scenario-label {
            color: var(--s1-color);
        }

        .scenario-box.s2 .scenario-label {
            color: var(--s2-color);
        }

        .scenario-box .input-row {
            margin-top: 0.2667rem;
        }

        .scenario-box input[type="range"] {
            margin-top: 0.4rem;
        }

        .scenario-box .pct-note {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            margin-top: 0.4rem;
        }

        /* Advanced Settings Accordion */
        .advanced-toggle {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 0.8rem 0;
            border-top: 1px solid var(--border);
            cursor: pointer;
            user-select: none;
        }

        .advanced-toggle span {
            font-size: var(--text-base);
            font-weight: 600;
        }

        .advanced-toggle .chevron {
            transition: transform 0.25s ease;
            font-size: var(--text-sm);
            color: var(--text-secondary);
        }

        .advanced-toggle.open .chevron {
            transform: rotate(180deg);
        }

        .advanced-body {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.35s ease;
        }

        .advanced-body.open {
            max-height: 40rem;
        }

        .advanced-body .input-group:first-child {
            margin-top: 0.5333rem;
        }

        /* Tax drag info box */
        .tax-drag-box {
            background: var(--orange-bg);
            border: 1px solid #fde68a;
            border-radius: var(--radius-sm);
            padding: 0.8rem 0.9333rem;
            margin-top: 1.0667rem;
        }

        .tax-drag-box .tax-title {
            font-size: var(--text-sm);
            font-weight: 700;
            color: #b45309;
            margin-bottom: 2px;
        }

        .tax-drag-box .tax-detail {
            font-size: var(--text-sm);
            color: #92400e;
            line-height: 1.45;
        }

        /* ═══════════════════════════════════════════════
       RIGHT PANEL — OUTPUTS
       ═══════════════════════════════════════════════ */
        .output-panel {
            display: flex;
            flex-direction: column;
            gap: 1.6rem;
        }

        /* Bottom Line Section */
        .bottom-line-title {
            font-size: var(--text-lg);
            font-weight: 700;
            margin-bottom: 0;
            display: flex;
            align-items: center;
            gap: 0.5333rem;
        }

        .scenarios-row {
            display: flex;
            flex-wrap: wrap;
            align-items: flex-start;
            justify-content: center;
            gap: 2rem;
            margin-top: 0;
            margin-bottom: 0;
        }

        /* Results Container — Unified mega-card */
        .results-container {
            background: var(--surface);
            border: 1px solid var(--border);
            border-radius: var(--radius);
            padding: 2rem;
            box-shadow: var(--shadow-md);
        }

        .results-container .bottom-line-title {
            margin-bottom: 1.5rem;
        }

        .scenarios-row>* {
            min-width: 0;
        }

        .scenario-result {
            flex: 1 1 min(100%, 400px);
            border: 2px solid var(--border);
            border-radius: var(--radius-sm);
            position: relative;
            display: flex;
            flex-direction: column;
            overflow: visible;
            background: var(--surface);
        }

        #s1Result {
            border-color: var(--s1-color);
        }

        #s2Result {
            border-color: var(--s2-color);
        }

        .scenario-result.pro-tier {
            flex-grow: 1.05;
        }

        #s1Result.pro-tier {
            box-shadow: 0 12px 24px -4px rgba(59, 130, 246, 0.25), 0 4px 10px -2px rgba(59, 130, 246, 0.15);
        }

        #s2Result.pro-tier {
            box-shadow: 0 12px 24px -4px rgba(124, 58, 237, 0.25), 0 4px 10px -2px rgba(124, 58, 237, 0.15);
        }

        /* Result Body ensuring alignment */
        .result-body {
            padding: 1.2rem 1.2rem;
            flex-grow: 1;
            display: flex;
            flex-direction: column;
            justify-content: flex-start;
        }

        .scenario-result.pro-tier .result-body {
            padding: 2.0rem 1.4rem;
            /* Top/bottom padding increased by 0.8rem to vertically expand without scaling */
        }

        /* Footers (Fixed Height) */
        .result-footer {
            padding: 1.25rem 1.0667rem;
            text-align: center;
            height: auto;
            min-height: 6rem;
            display: flex;
            flex-direction: column;
            justify-content: center;
            align-items: center;
            gap: 0.35rem;
            border-bottom-left-radius: calc(var(--radius-sm) - 2px);
            border-bottom-right-radius: calc(var(--radius-sm) - 2px);
        }

        .footer-baseline .footer-title {
            font-size: var(--text-sm);
            font-weight: 700;
            margin: 0;
            letter-spacing: 0.5px;
        }

        .footer-baseline .footer-value {
            font-size: var(--text-xl);
            font-weight: 800;
            margin: 0;
            letter-spacing: -1px;
        }

        .footer-baseline .footer-sub {
            font-size: var(--text-sm);
            color: var(--text-secondary);
        }

        #s1Result .footer-baseline {
            background: var(--s1-footer-bg, #f1f5f9);
            border-top: 1px solid rgba(59, 130, 246, 0.1);
        }

        #s1Result .footer-baseline .footer-title {
            color: var(--footer-title-color, #475569);
        }

        #s1Result .footer-baseline .footer-value {
            color: var(--footer-negative-val, var(--s1-color));
        }

        #s2Result .footer-baseline {
            background: var(--s2-footer-bg, #f5f3ff);
            border-top: 1px solid rgba(124, 58, 237, 0.1);
        }

        #s2Result .footer-baseline .footer-title {
            color: var(--footer-title-color, #6d28d9);
        }

        #s2Result .footer-baseline .footer-value {
            color: var(--footer-negative-val, var(--s2-color));
        }

        .footer-hero {
            color: white;
        }

        .footer-hero .footer-title {
            font-size: var(--text-sm);
            font-weight: 700;
            margin: 0;
            letter-spacing: 0.5px;
            color: rgba(255, 255, 255, 0.9);
        }

        .footer-hero .footer-value {
            font-size: var(--text-xl);
            font-weight: 800;
            margin: 0;
            letter-spacing: -1px;
        }

        .footer-hero .footer-sub {
            font-size: var(--text-sm);
            color: rgba(255, 255, 255, 0.85);
            margin: 0;
        }

        #s1Result .footer-hero {
            background: var(--s1-color);
            border-top: 1px solid rgba(59, 130, 246, 0.5);
        }

        #s2Result .footer-hero {
            background: var(--s2-color);
            border-top: 1px solid rgba(124, 58, 237, 0.5);
        }

        .winner-badge {
            position: absolute;
            color: white;
            font-size: var(--text-sm);
            font-weight: 700;
            padding: 0.25rem 0.6rem;
            border-radius: 1rem;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            z-index: 2;
            left: auto;
            right: 20px;
            top: 0;
            transform: translateY(-50%);
        }

        #s1Result .winner-badge {
            background: var(--s1-color);
        }

        #s2Result .winner-badge {
            background: var(--s2-color);
        }

        .scenario-result .result-label {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            font-weight: 600;
            margin-bottom: 0.2667rem;
            text-transform: uppercase;
            letter-spacing: 0.3px;
        }

        .scenario-result .result-value {
            font-size: var(--text-2xl);
            font-weight: 800;
            letter-spacing: -1px;
            line-height: 1.2;
        }

        .scenario-result .result-breakdown {
            font-size: var(--text-base);
            color: var(--leader-text-color, var(--text-secondary));
            margin-top: 0.8rem;
            line-height: 1.5;
        }

        .leader-row {
            display: flex;
            align-items: center;
            justify-content: space-between;
            margin-top: 0.4rem;
        }

        .leader-line {
            flex-grow: 1;
            border-bottom: 2px dotted var(--leader-line-color, var(--border));
            margin: 0 0.5333rem;
            position: relative;
            top: -3px;
            opacity: 0.6;
        }

        .leader-val {
            min-width: 5.5rem;
            text-align: right;
            display: inline-block;
        }

        .s1-text {
            color: var(--s1-text-color, var(--s1-color));
            font-weight: 700;
        }

        .s2-text {
            color: var(--s2-text-color, var(--s2-color));
            font-weight: 700;
        }

        .winner-badge {
            position: absolute;
            top: 0;
            right: 24px;
            transform: translateY(-50%);
            background: var(--winner-green);
            color: white;
            font-size: 0.875rem;
            font-weight: 700;
            padding: 4px 16px;
            border-radius: 1.3333rem;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            display: flex;
            align-items: center;
            gap: 0.2667rem;
            white-space: nowrap;
        }

        /* Wealth Advantage Banner Deleted */

        /* ═══════════════════════════════════════════════
       MONTHLY CASH FLOW
       ═══════════════════════════════════════════════ */
        .cashflow-title {
            font-size: var(--text-lg);
            font-weight: 700;
            margin-bottom: 0.2667rem;
        }

        .cashflow-subtitle {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            margin-bottom: 1.0667rem;
        }

        .cashflow-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1.0667rem;
        }

        .cashflow-card {
            border: 1px solid var(--border);
            border-radius: var(--radius-sm);
            overflow: hidden;
        }

        .cashflow-card .cf-header {
            font-size: var(--text-base);
            font-weight: 700;
            padding: 0.6667rem 1.0667rem;
            background: #f8f9fa;
            border-bottom: 1px solid var(--border);
        }

        .cashflow-card.s1 .cf-header {
            background: var(--s1-color);
            color: white;
            border-bottom: none;
        }

        .cashflow-card.s2 .cf-header {
            background: var(--s2-color);
            color: white;
            border-bottom: none;
        }

        .cf-rows {
            padding: 0.5333rem 1.0667rem;
        }

        .cf-row {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 0.4rem 0;
            font-size: var(--text-base);
            line-height: 1.5;
        }

        .cf-leader {
            flex: 1;
            border-bottom: 2px dotted var(--leader-line-color, var(--border));
            margin: 0 12px;
            position: relative;
            top: -2px;
            opacity: 0.5;
        }

        .cf-row .cf-label {
            color: var(--text-secondary);
        }

        .cf-row .cf-val {
            font-weight: 600;
            font-variant-numeric: tabular-nums;
        }

        .cf-row.subtotal {
            border-top: 1px solid var(--border);
            margin-top: 0.2667rem;
            padding-top: 0.5333rem;
        }

        .cf-row.investment .cf-label {
            font-weight: 500;
        }

        .cf-row.investment .cf-val.s1-val {
            color: var(--s1-color);
        }

        .cf-row.investment .cf-val.s2-val {
            color: var(--s2-color);
        }

        .cf-row.total {
            border-top: 1.5px solid var(--text);
            margin-top: 0.2667rem;
            padding-top: 0.5333rem;
            font-weight: 700;
        }

        .cf-row.total .cf-label {
            font-weight: 700;
        }

        /* How it works box */
        .how-it-works {
            background: #f8f9fb;
            border: 1px solid var(--border);
            border-radius: var(--radius-sm);
            padding: 0.9333rem 1.0667rem;
            margin-top: 1.0667rem;
        }

        .how-it-works .hiw-title {
            font-size: var(--text-base);
            font-weight: 700;
            margin-bottom: 0.2667rem;
            display: flex;
            align-items: center;
            gap: 0.4rem;
        }

        .how-it-works .hiw-body {
            font-size: var(--text-base);
            color: var(--text-secondary);
            line-height: 1.6;
        }

        .how-it-works .hiw-body strong {
            color: var(--text);
        }

        .how-it-works .hiw-body .hiw-lead {
            margin: 0 0 0.6rem 0;
            color: var(--text);
            font-weight: 600;
        }

        .how-it-works .hiw-body .hiw-list {
            margin: 0;
            padding-left: 1.1rem;
            list-style: disc;
        }

        .how-it-works .hiw-body .hiw-list li {
            margin: 0.25rem 0;
        }

        /* ═══════════════════════════════════════════════
       TABS: Charts / Year-by-Year
       ═══════════════════════════════════════════════ */
        .tabs {
            display: flex;
            border: 1px solid var(--border);
            border-radius: var(--radius-sm);
            overflow: hidden;
            margin-bottom: 1.3333rem;
        }

        .tab-btn {
            flex: 1;
            padding: 0.6667rem;
            text-align: center;
            font-family: inherit;
            font-size: var(--text-sm);
            font-weight: 600;
            border: none;
            background: #f8f9fa;
            color: var(--text-secondary);
            cursor: pointer;
            transition: all 0.2s;
        }

        .tab-btn.active {
            background: white;
            color: var(--text);
            box-shadow: inset 0 -2px 0 var(--accent);
        }

        .tab-content {
            display: none;
        }

        .tab-content.active {
            display: block;
        }

        /* ═══════════════════════════════════════════════
       CHARTS
       ═══════════════════════════════════════════════ */
        .chart-section {
            margin-bottom: 1.6rem;
        }

        .chart-section h3 {
            font-size: var(--text-lg);
            font-weight: 700;
            margin-bottom: 2px;
        }

        .chart-section .chart-sub {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            margin-bottom: 0.9333rem;
        }

        .chart-wrapper {
            position: relative;
            height: 21.3333rem;
        }

        .chart-note {
            margin-top: 0.9333rem;
            padding: 0.8rem 0.9333rem;
            font-size: var(--text-sm);
            line-height: 1.5;
            border-radius: var(--radius-sm);
        }

        .chart-note strong {
            color: var(--text);
        }

        .chart-note.important {
            background: var(--orange-bg);
            border: 1px solid #fde68a;
            color: #92400e;
        }

        /* ═══════════════════════════════════════════════
       DATA TABLE
       ═══════════════════════════════════════════════ */
        .data-table-wrap {
            overflow-x: auto;
        }

        .data-table {
            width: 100%;
            border-collapse: collapse;
            font-size: var(--text-sm);
            font-variant-numeric: tabular-nums;
        }

        .data-table thead th {
            text-align: right;
            padding: 0.6667rem 0.8rem;
            font-weight: 600;
            font-size: var(--text-sm);
            text-transform: uppercase;
            letter-spacing: 0.5px;
            color: var(--text-secondary);
            background: #f8f9fa;
            border-bottom: 2px solid var(--border);
            white-space: nowrap;
        }

        .data-table thead th:first-child {
            text-align: center;
        }

        .data-table tbody td {
            text-align: right;
            padding: 0.5333rem 0.8rem;
            border-bottom: 1px solid #f0f1f3;
        }

        .data-table tbody td:first-child {
            text-align: center;
            font-weight: 600;
            color: var(--text-secondary);
        }

        .data-table tbody tr:hover {
            background: #f8f9fb;
        }

        .data-table tbody tr.highlight {
            background: var(--green-bg);
            font-weight: 600;
        }

        .data-table .positive {
            color: var(--winner-green);
        }

        .data-table .negative {
            color: #dc2626;
        }

        /* ═══════════════════════════════════════════════
       FOOTER
       ═══════════════════════════════════════════════ */
        .footer {
            text-align: center;
            padding: 2rem 1.6rem;
            font-size: 0.75rem;
            color: var(--text-secondary);
            border-top: 1px solid var(--border);
            max-width: 85.3333rem;
            margin: 0 auto;
        }

        /* ═══════════════════════════════════════════════
       RESPONSIVE
       ═══════════════════════════════════════════════ */
        @media (max-width: 60rem) {
            .inputs-panel,
            .invest-inputs-panel {
                position: static;
                max-height: none;
            }

            .header h1 {
                font-size: 1.5rem;
            }

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

            .cashflow-grid {
                grid-template-columns: 1fr;
            }

            .wealth-banner .banner-value {
                font-size: 1.8rem;
            }
        }

        /* Animated value flash */
        .flash {
            animation: flashAnim 0.35s ease;
        }

        @keyframes flashAnim {
            0% {
                color: var(--accent);
            }

            100% {
                color: inherit;
            }
        }

        /* Theme Toggle */
        .theme-toggle {
            background: var(--bg);
            border: 1px solid var(--border);
            border-radius: 50%;
            width: 2.25rem;
            height: 2.25rem;
            font-size: 1rem;
            cursor: pointer;
            display: flex;
            align-items: center;
            justify-content: center;
            box-shadow: var(--shadow);
            transition: all 0.2s;
            color: var(--text);
        }

        [data-theme="dark"] .theme-toggle {
            background: #111827;
        }

        .theme-toggle:hover {
            box-shadow: var(--shadow-md);
            transform: scale(1.05);
        }

        @media (max-width: 60rem) {
            .theme-toggle {
                top: 1.0667rem;
                right: 1.0667rem;
            }
        }

        @media (max-width: 1024px) {
            .app-container,
            .invest-grid {
                grid-template-columns: 1fr;
            }

            .invest-inputs-panel {
                position: static;
                max-height: none;
            }
        }

        /* ═══════════════════════════════════════════════
       TOOLTIPS
       ═══════════════════════════════════════════════ */
        .tooltip-wrap {
            position: relative;
            display: inline-flex;
            align-items: center;
            margin-left: 5px;
            vertical-align: middle;
        }

        .tooltip-icon {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            width: 16px;
            height: 16px;
            border-radius: 50%;
            border: 1.5px solid #93a3c0;
            background: #fff;
            color: #93a3c0;
            font-size: 10px;
            font-weight: 700;
            font-family: inherit;
            cursor: help;
            transition: border-color 0.2s ease, color 0.2s ease, box-shadow 0.2s ease;
            line-height: 1;
            flex-shrink: 0;
            user-select: none;
        }

        .tooltip-icon:hover {
            border-color: var(--accent);
            color: var(--accent);
            box-shadow: 0 0 0 3px rgba(79, 70, 229, 0.1);
        }

        [data-theme="dark"] .tooltip-icon {
            background: var(--surface);
            border-color: #6b7280;
            color: #9ca3af;
        }

        [data-theme="dark"] .tooltip-icon:hover {
            border-color: #818cf8;
            color: #818cf8;
            box-shadow: 0 0 0 3px rgba(129, 140, 248, 0.15);
        }

        .tooltip-text {
            visibility: hidden;
            opacity: 0;
            position: absolute;
            bottom: calc(100% + 8px);
            left: 50%;
            transform: translateX(-50%) translateY(4px);
            background: var(--surface);
            color: var(--text);
            font-size: var(--text-sm);
            font-weight: 500;
            line-height: 1.5;
            padding: 8px 12px;
            border-radius: 8px;
            border: 1px solid var(--border);
            box-shadow: 0 4px 16px rgba(0, 0, 0, 0.1), 0 1px 4px rgba(0, 0, 0, 0.06);
            width: max-content;
            max-width: 260px;
            z-index: 100;
            pointer-events: none;
            transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
        }

        .tooltip-text::after {
            content: '';
            position: absolute;
            top: 100%;
            left: 50%;
            transform: translateX(-50%);
            border-width: 5px;
            border-style: solid;
            border-color: var(--surface) transparent transparent transparent;
        }

        .tooltip-text::before {
            content: '';
            position: absolute;
            top: 100%;
            left: 50%;
            transform: translateX(-50%);
            border-width: 6px;
            border-style: solid;
            border-color: var(--border) transparent transparent transparent;
        }

        [data-theme="dark"] .tooltip-text {
            box-shadow: 0 4px 16px rgba(0, 0, 0, 0.4), 0 1px 4px rgba(0, 0, 0, 0.3);
        }

        .tooltip-wrap:hover .tooltip-text {
            visibility: visible;
            opacity: 1;
            transform: translateX(-50%) translateY(0);
        }

        /* Edge-aware: tooltips near left/right edges */
        .tooltip-wrap.tip-right .tooltip-text {
            left: auto;
            right: -8px;
            transform: translateX(0) translateY(4px);
        }

        .tooltip-wrap.tip-right:hover .tooltip-text {
            transform: translateX(0) translateY(0);
        }

        .tooltip-wrap.tip-right .tooltip-text::after,
        .tooltip-wrap.tip-right .tooltip-text::before {
            left: auto;
            right: 12px;
            transform: none;
        }

        /* In-label alignment */
        .input-group label .tooltip-wrap {
            margin-left: 4px;
        }

        /* Cash flow tooltip alignment */
        .cf-row .tooltip-wrap {
            margin-left: 3px;
        }

        .cf-row .tooltip-wrap .tooltip-text {
            max-width: 220px;
        }

        /* ═══════════════════════════════════════════════
       SECTION NAV TABS (Header)
       ═══════════════════════════════════════════════ */
        .section-nav {
            display: flex;
            gap: 2rem;
            margin-left: 3rem;
            align-self: stretch;
        }

        .section-nav-btn {
            background: none;
            border: none;
            font-family: inherit;
            font-size: var(--text-sm);
            font-weight: 600;
            color: var(--text-secondary);
            padding: 0 8px;
            margin-bottom: -1px;
            cursor: pointer;
            transition: color 0.15s, padding 0.15s, margin 0.15s, background 0.15s;
            white-space: nowrap;
            display: flex;
            align-items: center;
            position: relative;
        }

        .section-nav-btn:hover {
            color: var(--accent);
            background: rgba(127, 61, 255, 0.06);
            padding: 0 16px;
            margin-left: -8px;
            margin-right: -8px;
        }

        .section-nav-btn.active {
            color: var(--accent);
        }

        .section-nav-btn::after {
            content: '';
            position: absolute;
            bottom: -1px;
            left: 0;
            right: 0;
            height: 3px;
            background: transparent;
            transition: background 0.15s;
        }

        .section-nav-btn.active::after {
            background: var(--accent);
        }

        [data-theme="dark"] .section-nav-btn:hover,
        [data-theme="dark"] .section-nav-btn.active {
            color: #818cf8;
        }

        [data-theme="dark"] .section-nav-btn.active {
            border-bottom-color: #818cf8;
        }

        .app-bar-section-label {
            display: none;
        }

        /* Cross-link callout */
        .cross-link {
            display: flex;
            align-items: center;
            gap: 0.5rem;
            padding: 1rem 1.25rem;
            background: var(--accent-light);
            border: 1px solid var(--border);
            border-radius: var(--radius);
            font-size: var(--text-sm);
            color: var(--accent);
            font-weight: 600;
            cursor: pointer;
            transition: all 0.15s;
            text-decoration: none;
        }

        .cross-link:hover {
            box-shadow: var(--shadow-md);
            transform: translateY(-1px);
        }

        [data-theme="dark"] .cross-link {
            background: rgba(99, 102, 241, 0.1);
            color: #818cf8;
        }

        .cross-link-arrow {
            margin-left: auto;
            font-size: 1.1rem;
        }

        /* Cash flow zebra striping */
        .cf-row.subtotal,
        .cf-row.total {
            background: rgba(0, 0, 0, 0.02);
        }

        [data-theme="dark"] .cf-row.subtotal,
        [data-theme="dark"] .cf-row.total {
            background: rgba(255, 255, 255, 0.03);
        }

        /* Mortgage reset button */
        .mortgage-reset-btn {
            background: none;
            border: 1px solid var(--border);
            border-radius: var(--radius-sm);
            padding: 0.4rem 0.85rem;
            font-family: inherit;
            font-size: var(--text-sm);
            font-weight: 600;
            color: var(--text-secondary);
            cursor: pointer;
            transition: all 0.15s;
            margin-top: 0.5rem;
            width: 100%;
        }

        .mortgage-reset-btn:hover {
            border-color: var(--accent);
            color: var(--accent);
        }

        /* Soft warning inline note */
        .soft-warning {
            font-size: var(--text-sm);
            color: #b45309;
            background: var(--orange-bg);
            border: 1px solid #fde68a;
            border-radius: var(--radius-sm);
            padding: 0.35rem 0.6rem;
            margin-top: 0.35rem;
            display: none;
        }

        [data-theme="dark"] .soft-warning {
            color: #fcd34d;
            border-color: #b45309;
        }

        .soft-warning.visible {
            display: block;
        }

        @media (max-width: 767px) {
            .section-nav {
                margin-left: 0;
                margin-top: 0.5rem;
                gap: 1rem;
            }

            .app-bar-inner {
                flex-wrap: wrap;
            }

            .app-bar-brand {
                flex-basis: 100%;
            }
        }

        /* ═══════════════════════════════════════════════
       SECTION SWITCHING (fade transitions)
       ═══════════════════════════════════════════════ */
        .app-container,
        .section-divider,
        .invest-section {
            transition: opacity 0.35s ease, visibility 0.35s ease;
        }

        .section-hidden {
            opacity: 0;
            visibility: hidden;
            position: absolute;
            pointer-events: none;
            height: 0;
            overflow: hidden;
        }

        .section-visible {
            opacity: 1;
            visibility: visible;
            position: relative;
            pointer-events: auto;
            height: auto;
            overflow: visible;
        }

        .section-fading-out {
            opacity: 0;
            visibility: hidden;
        }

        .section-fading-in {
            opacity: 1;
            visibility: visible;
        }

        /* ═══════════════════════════════════════════════
       INVESTMENT SECTION
       ═══════════════════════════════════════════════ */
        .section-divider {
            width: 95vw;
            max-width: 1600px;
            margin: 6rem auto 0;
            display: flex;
            align-items: center;
            gap: 1.5rem;
        }

        .section-divider::before,
        .section-divider::after {
            content: '';
            flex: 1;
            height: 1px;
            background: var(--border);
        }

        .divider-ornament {
            color: var(--border);
            font-size: 0.75rem;
        }

        .invest-section {
            width: 95vw;
            max-width: 1600px;
            margin: 0 auto;
            padding: 2.5rem 1.6rem 4rem;
        }

        /* Sidebar + Main grid — mirrors .app-container */
        .invest-grid {
            display: grid;
            grid-template-columns: clamp(300px, 25vw, 400px) 1fr;
            gap: 2rem;
        }

        .invest-grid > * {
            min-width: 0;
        }

        .invest-inputs-panel {
            padding: 2rem 1.5rem;
            align-self: start;
        }

        .invest-output-panel {
            display: flex;
            flex-direction: column;
            gap: 1.6rem;
        }

        /* (invest-inputs-grid no longer used — inputs stack in sidebar) */

        .invest-hint {
            font-size: var(--text-sm);
            color: var(--accent);
            margin-top: 0.25rem;
            cursor: pointer;
        }

        .invest-funds-row {
            margin-bottom: 1rem;
        }

        .invest-funds-label {
            font-size: var(--text-sm);
            font-weight: 600;
            color: var(--text-secondary);
            text-transform: uppercase;
            letter-spacing: 0.5px;
            display: block;
            margin-bottom: 0.5rem;
        }

        .invest-pills {
            display: flex;
            flex-wrap: wrap;
            gap: 0.5rem;
            margin-bottom: 0.5rem;
        }

        .invest-pill {
            display: flex;
            align-items: center;
            gap: 0.35rem;
            padding: 0.4rem 0.85rem;
            border-radius: 999px;
            border: 1.5px solid var(--border);
            font-size: var(--text-sm);
            font-weight: 600;
            cursor: pointer;
            background: transparent;
            color: var(--text);
            transition: all 0.15s;
            font-family: inherit;
        }

        .invest-pill:hover {
            border-color: var(--text-secondary);
        }

        .invest-pill .pill-dot {
            width: 8px;
            height: 8px;
            border-radius: 50%;
            flex-shrink: 0;
        }

        .invest-pill.active {
            color: white;
            border-color: transparent;
        }

        .invest-nominal-note {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            font-style: italic;
        }

        /* Banner */
        .invest-banner {
            border-left: 4px solid var(--invest-stock);
            padding: 1.5rem 2rem;
        }

        .invest-banner-eyebrow {
            font-size: var(--text-sm);
            font-weight: 600;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            color: var(--text-secondary);
            margin-bottom: 0.25rem;
        }

        .invest-banner-hero {
            display: flex;
            align-items: baseline;
            gap: 0.75rem;
            margin-bottom: 0.25rem;
            flex-wrap: wrap;
        }

        .invest-banner-amount {
            font-size: var(--text-2xl);
            font-weight: 800;
            letter-spacing: -1px;
        }

        .invest-banner-fund {
            font-size: var(--text-base);
            font-weight: 500;
            margin-bottom: 0.5rem;
        }

        .invest-banner-detail {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            display: flex;
            gap: 0.5rem;
            flex-wrap: wrap;
        }

        .invest-banner-dot {
            color: var(--border);
        }

        .invest-banner-comparison {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            margin-top: 0.5rem;
        }

        /* Disclaimer */
        .invest-disclaimer {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            line-height: 1.4;
            display: flex;
            align-items: flex-start;
            gap: 0.4rem;
        }

        .invest-disclaimer-icon {
            flex-shrink: 0;
        }

        /* Stat Cards */
        .invest-stat-cards {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1rem;
        }

        .invest-stat-card {
            padding: 1.25rem 1.5rem;
        }

        .stat-card-label {
            font-size: var(--text-sm);
            font-weight: 600;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            color: var(--text-secondary);
            margin-bottom: 0.5rem;
        }

        .stat-card-hero {
            font-size: var(--text-xl);
            font-weight: 700;
            letter-spacing: -0.5px;
            margin-bottom: 0.15rem;
        }

        .stat-card-sub {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            margin-bottom: 0.5rem;
        }

        .stat-card-detail {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            line-height: 1.6;
        }

        .invest-stat-multiple {
            font-size: var(--text-2xl);
            font-weight: 800;
        }

        /* Chart Card */
        .invest-chart-card {
            padding: 2rem;
        }

        .invest-chart-header {
            display: flex;
            justify-content: space-between;
            align-items: flex-start;
            margin-bottom: 1rem;
        }

        .invest-chart-title {
            font-size: var(--text-lg);
            font-weight: 700;
            margin-bottom: 2px;
        }

        .invest-chart-sub {
            font-size: var(--text-sm);
            color: var(--text-secondary);
        }

        .invest-info-btn {
            background: none;
            border: 1px solid var(--border);
            border-radius: 50%;
            width: 2rem;
            height: 2rem;
            font-size: 0.875rem;
            cursor: pointer;
            display: flex;
            align-items: center;
            justify-content: center;
            color: var(--text-secondary);
            transition: all 0.15s;
            flex-shrink: 0;
        }

        .invest-info-btn:hover {
            border-color: var(--accent);
            color: var(--accent);
        }

        .invest-popover {
            background: var(--surface);
            border: 1px solid var(--border);
            border-radius: var(--radius);
            box-shadow: var(--shadow-md);
            padding: 1rem 1.25rem;
            max-width: 360px;
            font-size: var(--text-sm);
            color: var(--text-secondary);
            line-height: 1.5;
            margin-bottom: 1rem;
        }

        .invest-chart-wrapper {
            position: relative;
            height: 400px;
            min-height: 300px;
        }

        /* Data Table */
        .invest-table-section {
            border: 1px solid var(--border);
            border-radius: var(--radius);
            overflow: hidden;
        }

        .invest-table-toggle {
            display: flex;
            align-items: center;
            justify-content: space-between;
            width: 100%;
            padding: 1rem 1.5rem;
            background: var(--surface);
            border: none;
            cursor: pointer;
            font-family: inherit;
            font-size: var(--text-base);
            font-weight: 600;
            color: var(--text);
        }

        .invest-table-toggle .chevron {
            transition: transform 0.25s ease;
            font-size: var(--text-sm);
            color: var(--text-secondary);
        }

        .invest-table-toggle.open .chevron {
            transform: rotate(180deg);
        }

        .invest-table-body {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.35s ease;
        }

        .invest-table-body.open {
            max-height: 200rem;
        }

        .invest-data-table .contrib-col {
            background: rgba(0, 0, 0, 0.02);
        }

        [data-theme="dark"] .invest-data-table .contrib-col {
            background: rgba(255, 255, 255, 0.03);
        }

        .invest-data-table .final-row {
            background: var(--green-bg);
            font-weight: 600;
        }

        /* Fee Card */
        .invest-fee-card {
            border-left: 3px solid var(--accent);
            padding: 1.25rem 1.5rem;
        }

        .fee-card-header {
            font-size: var(--text-sm);
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            color: var(--text-secondary);
            margin-bottom: 0.5rem;
        }

        .fee-card-body {
            font-size: var(--text-base);
            line-height: 1.5;
        }

        .fee-card-amount {
            font-weight: 700;
        }

        .fee-savings-callout {
            background: var(--green-bg);
            border: 1px solid var(--green-border);
            border-radius: var(--radius-sm);
            padding: 0.75rem 1rem;
            margin-top: 0.75rem;
            font-size: var(--text-sm);
            color: var(--green);
        }

        /* Advanced panel for invest section */
        .invest-advanced-body {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.35s ease;
        }

        .invest-advanced-body.open {
            max-height: 200rem;
            overflow: visible;
        }

        .invest-fund-group {
            border: 1px solid var(--border);
            border-radius: var(--radius-sm);
            padding: 1rem 1.25rem;
            margin-bottom: 1rem;
        }

        .invest-fund-group-header {
            display: flex;
            justify-content: space-between;
            align-items: center;
            margin-bottom: 0.75rem;
        }

        .invest-fund-group-name {
            font-weight: 600;
            display: flex;
            align-items: center;
            gap: 0.4rem;
        }

        .invest-net-return-badge {
            font-size: var(--text-sm);
            font-weight: 600;
            padding: 0.15rem 0.5rem;
            border-radius: var(--radius-sm);
            background: var(--accent-light);
            color: var(--accent);
        }

        .invest-contrib-section {
            margin-bottom: 1.5rem;
            padding-bottom: 1rem;
            border-bottom: 1px solid var(--border);
        }

        .invest-contrib-hint {
            font-size: var(--text-sm);
            color: var(--text-secondary);
            margin-top: 0.25rem;
        }

        .invest-reset-btn {
            background: none;
            border: 1px solid var(--border);
            border-radius: var(--radius-sm);
            padding: 0.5rem 1rem;
            font-family: inherit;
            font-size: var(--text-sm);
            font-weight: 600;
            color: var(--text-secondary);
            cursor: pointer;
            transition: all 0.15s;
            margin-top: 0.5rem;
        }

        .invest-reset-btn:hover {
            border-color: var(--accent);
            color: var(--accent);
        }

        /* Invest section empty state */
        .invest-empty-state {
            text-align: center;
            padding: 3rem 1rem;
            color: var(--text-secondary);
            font-size: var(--text-base);
        }

        /* Responsive */
        @media (max-width: 767px) {
            .invest-stat-cards {
                grid-template-columns: 1fr;
            }

            .invest-stat-card--returns {
                order: -1;
            }

            .invest-banner-hero {
                flex-direction: column;
                gap: 0.25rem;
            }

            .invest-chart-wrapper {
                height: 300px;
                min-height: 250px;
            }
        }