:root {
  --bg:#f0f2ee; --surface:#fff; --surface2:#f7f8f6;
  --ink:#17201d; --muted:#66736d; --border:#d8dfd9;
  --teal:#0f766e; --teal-dk:#0b4f4b; --teal-lt:#edf7f6;
  --red:#b42318; --red-lt:#fde8e7;
  --green:#1a7a42; --green-lt:#e4f5ec;
  --amber:#9a5f00; --amber-lt:#fff8ec;
  --r:10px; --r-lg:14px;
  --shadow:0 2px 12px rgba(0,0,0,.07);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'DM Sans',sans-serif;background:var(--bg);color:var(--ink);font-size:15px;line-height:1.55}
a{color:inherit;text-decoration:none}

/* TOPBAR */
.topbar{background:var(--ink);color:#fff;padding:0 20px;height:54px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100}
.brand{font-size:16px;font-weight:700;letter-spacing:-.2px}
.btn-logout{font-size:12px;font-weight:600;color:rgba(255,255,255,.7);border:1px solid rgba(255,255,255,.25);padding:5px 12px;border-radius:6px;transition:all .15s}
.btn-logout:hover{background:rgba(255,255,255,.1);color:#fff}

/* NAV */
.mainnav{background:var(--surface);border-bottom:1px solid var(--border);padding:0 16px;display:flex;gap:2px;overflow-x:auto;position:sticky;top:54px;z-index:99}
.mainnav a{padding:11px 13px;font-size:13px;font-weight:500;color:var(--muted);border-bottom:2px solid transparent;white-space:nowrap;transition:color .15s,border-color .15s}
.mainnav a:hover{color:var(--ink)}
.mainnav a.active{color:var(--teal);border-bottom-color:var(--teal);font-weight:600}

/* LAYOUT */
.wrap{max-width:920px;margin:0 auto;padding:20px 16px}
.foot{text-align:center;padding:24px;font-size:12px;color:var(--muted);border-top:1px solid var(--border)}

/* HERO */
.hero{background:var(--ink);color:#fff;border-radius:var(--r-lg);padding:24px 26px;margin-bottom:18px;display:flex;justify-content:space-between;align-items:flex-start;gap:16px;flex-wrap:wrap}
.hero h1{font-size:24px;font-weight:700;margin-bottom:3px}
.hero p,.hero .sub{color:rgba(255,255,255,.72);font-size:14px}
.hero-btns{display:flex;gap:8px;align-self:center;flex-shrink:0}

/* PANELS */
.panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:20px 22px;margin-bottom:16px}
.panel-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;margin-bottom:14px}
.panel h2{font-size:16px;font-weight:700;margin-bottom:2px}
.panel .sub{font-size:13px;color:var(--muted)}

/* METRIC GRID */
.metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(155px,1fr));gap:12px;margin-bottom:16px}
.metric{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:14px 16px}
.metric .lbl{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);margin-bottom:5px}
.metric .val{font-size:22px;font-weight:700;font-family:'DM Mono',monospace;color:var(--ink)}
.metric .sub{font-size:11px;color:var(--muted);margin-top:3px}
.metric.danger .val{color:var(--red)}
.metric.success .val{color:var(--green)}
.metric.accent .val{color:var(--teal)}
.metric.warn .val{color:var(--amber)}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:6px;padding:9px 18px;border-radius:8px;font-size:13px;font-weight:600;border:none;cursor:pointer;font-family:inherit;transition:all .15s;background:var(--teal);color:#fff}
.btn:hover{background:var(--teal-dk)}
.btn.sec{background:var(--surface);color:var(--ink);border:1px solid var(--border)}
.btn.sec:hover{background:var(--surface2)}
.btn.danger{background:var(--red-lt);color:var(--red);border:1px solid #f5bcb7}
.btn.danger:hover{background:#fbd5d1}
.btn.lg{font-size:15px;padding:12px 26px}
.btn.sm{padding:5px 11px;font-size:12px}

/* FORMS */
.form-stack{display:flex;flex-direction:column;gap:14px}
.fld{display:flex;flex-direction:column;gap:5px}
.fld label{font-size:13px;font-weight:600;color:var(--ink)}
.fld .hint{font-size:11px;color:var(--muted)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
input,select,textarea{width:100%;padding:9px 12px;border:1px solid var(--border);border-radius:8px;font-size:14px;font-family:inherit;color:var(--ink);background:var(--surface);transition:border-color .12s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(15,118,110,.1)}
input.big{font-size:22px;font-weight:700;padding:12px 14px;font-family:'DM Mono',monospace}
.actions{display:flex;gap:8px;justify-content:flex-end;margin-top:4px;flex-wrap:wrap}

/* NOTICE */
.notice{background:var(--teal-lt);border:1px solid #b2ddd9;border-left:4px solid var(--teal);border-radius:var(--r);padding:12px 16px;margin-bottom:14px;font-size:14px}
.warn-box{background:var(--amber-lt);border:1px solid #f0c675;border-radius:var(--r);padding:12px 16px;font-size:13px;line-height:1.6;margin-bottom:12px}
.danger-box{background:var(--red-lt);border:1px solid #f5bcb7;border-radius:var(--r);padding:12px 16px;font-size:13px;margin-bottom:12px}
.success-box{background:var(--green-lt);border:1px solid #a8dbb9;border-radius:var(--r);padding:12px 16px;font-size:13px;margin-bottom:12px}

/* TABLES */
.tbl-wrap{overflow-x:auto;border-radius:var(--r);border:1px solid var(--border)}
table{width:100%;border-collapse:collapse;font-size:13px}
th{padding:9px 12px;background:var(--surface2);font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;color:var(--muted);border-bottom:1px solid var(--border);text-align:left}
td{padding:10px 12px;border-bottom:1px solid var(--border);vertical-align:middle}
tr:last-child td{border-bottom:none}
tr:hover td{background:var(--surface2)}
.compact td{padding:7px 10px}

/* BADGES */
.badge{display:inline-block;font-size:10px;font-weight:700;padding:2px 8px;border-radius:20px}
.badge-unpaid{background:var(--red-lt);color:var(--red)}
.badge-paid{background:var(--green-lt);color:var(--green)}
.badge-skip{background:var(--surface2);color:var(--muted)}
.badge-target{background:var(--teal);color:#fff}
.badge-cc{background:var(--amber-lt);color:var(--amber)}
.badge-loan{background:var(--teal-lt);color:var(--teal-dk)}

/* MOVE ITEMS */
.move-item{display:flex;justify-content:space-between;align-items:flex-start;gap:14px;padding:13px 0;border-bottom:1px solid var(--border)}
.move-item:last-child{border-bottom:none}
.move-item.done{opacity:.55}
.move-icon{font-size:18px;flex-shrink:0;padding-top:1px}
.move-body{flex:1}
.move-body strong{font-size:14px}
.move-body .sub{font-size:12px;color:var(--muted);margin-top:2px}
.move-right{display:flex;flex-direction:column;align-items:flex-end;gap:5px;flex-shrink:0}
.move-right .amt{font-size:16px;font-weight:700;font-family:'DM Mono',monospace}
.move-keep{background:var(--teal-lt);border:1px solid #b2ddd9;border-radius:var(--r);padding:13px 16px;display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px}
.move-keep .amt{font-size:18px;font-weight:700;font-family:'DM Mono',monospace}
.section-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:var(--muted);padding:10px 0 4px;border-bottom:1px solid var(--border);margin-bottom:2px}

/* PROGRESS */
.prog-bar{height:8px;background:var(--border);border-radius:99px;overflow:hidden;margin:6px 0}
.prog-fill{height:100%;background:var(--teal);border-radius:99px;transition:width .4s}

/* PAYCHECK CARDS */
.pc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:10px;margin-bottom:18px}
.pc-card{border:2px solid var(--border);border-radius:var(--r);padding:14px;cursor:pointer;background:var(--surface);transition:all .15s;display:block;text-decoration:none;color:var(--ink)}
.pc-card:hover,.pc-card.active{border-color:var(--teal);background:var(--teal-lt)}
.pc-card .icon{font-size:26px;margin-bottom:6px}
.pc-card .name{font-weight:700;font-size:13px}
.pc-card .exp{font-size:12px;color:var(--muted);margin-top:2px}
.pc-card.active .exp{color:var(--teal-dk)}

/* DEBT CARD */
.debt-target{border:2px solid var(--teal);border-radius:var(--r-lg);padding:16px 18px;background:var(--teal-lt);margin-bottom:14px}
.debt-target h3{font-size:15px;font-weight:700;color:var(--teal-dk);margin-bottom:6px}
.debt-stats{display:flex;gap:18px;flex-wrap:wrap;font-size:13px}
.debt-stats span{color:var(--muted)}
.debt-stats strong{color:var(--ink)}

/* APR BADGE */
.apr{display:inline-block;font-size:11px;font-weight:700;padding:2px 8px;border-radius:99px;background:var(--red-lt);color:var(--red)}
.apr.ok{background:var(--green-lt);color:var(--green)}

/* ACCOUNT LEDGER */
.acct-tabs{display:flex;gap:8px;margin-bottom:14px;flex-wrap:wrap}
.acct-tab{padding:8px 16px;border-radius:8px;border:1px solid var(--border);font-size:13px;font-weight:600;cursor:pointer;background:var(--surface);color:var(--muted);transition:all .15s}
.acct-tab.active,.acct-tab:hover{background:var(--teal);color:#fff;border-color:var(--teal)}
.cr{color:var(--green);font-weight:600}
.db{color:var(--red)}

/* SPLIT */
.split{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:600px){.split,.row2{grid-template-columns:1fr}.hero{padding:18px 16px}.hero h1{font-size:20px}}

/* FOLDOUT */
details summary{cursor:pointer;font-weight:600;font-size:14px;list-style:none;display:flex;align-items:center;gap:6px}
details summary::before{content:'＋';font-size:16px;color:var(--teal)}
details[open] summary::before{content:'－'}
details .inner{margin-top:14px;padding-top:14px;border-top:1px solid var(--border)}

/* MONTHLY PROGRESS BANNER */
.month-banner{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:16px 20px;margin-bottom:16px;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.month-banner strong{font-size:15px}

/* MISC */
.muted{color:var(--muted);font-size:13px}
.right{text-align:right}
.mono{font-family:'DM Mono',monospace}
hr{border:none;border-top:1px solid var(--border);margin:16px 0}