:root{--bg-primary: #0A0F0D;--bg-surface: #111A15;--bg-surface-hover: #162019;--bg-card: #15201A;--bg-input: #0D1410;--accent: #22C55E;--accent-hover: #16A34A;--accent-glow: rgba(34, 197, 94, .15);--accent-soft: rgba(34, 197, 94, .1);--text-primary: #F0FDF4;--text-secondary: #A3B8A8;--text-muted: #6B7F70;--border: #1E2D24;--border-focus: #22C55E;--error: #EF4444;--error-bg: rgba(239, 68, 68, .1);--warning: #F59E0B;--font-body: "DM Sans", system-ui, -apple-system, sans-serif;--font-heading: "Space Grotesk", "DM Sans", system-ui, sans-serif;--radius-sm: 8px;--radius-md: 12px;--radius-lg: 16px;--radius-xl: 20px;--shadow-sm: 0 1px 2px rgba(0, 0, 0, .3);--shadow-md: 0 4px 12px rgba(0, 0, 0, .4);--shadow-lg: 0 8px 32px rgba(0, 0, 0, .5);--shadow-glow: 0 0 20px rgba(34, 197, 94, .15);--transition: .15s ease;--nav-height: 64px}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{font-size:16px;scroll-behavior:smooth;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}body{font-family:var(--font-body);background:var(--bg-primary);color:var(--text-primary);line-height:1.6;min-height:100vh;overflow-x:hidden}.skip-link{position:absolute;top:-100%;left:16px;background:var(--accent);color:var(--bg-primary);padding:8px 16px;border-radius:var(--radius-sm);font-weight:600;z-index:9999;text-decoration:none;transition:top var(--transition)}.skip-link:focus{top:16px}*:focus-visible{outline:2px solid var(--accent);outline-offset:2px}.app-container{display:flex;flex-direction:column;min-height:100vh;max-width:900px;margin:0 auto;padding:0 16px}.main-content{flex:1;padding-top:16px;padding-bottom:calc(var(--nav-height) + 24px)}.app-header{text-align:center;padding:24px 0 8px}.header-logo{display:flex;align-items:center;justify-content:center;gap:10px;margin-bottom:4px}.header-icon{width:36px;height:36px;background:var(--accent-glow);border-radius:var(--radius-sm);display:flex;align-items:center;justify-content:center;font-size:1.25rem}.app-header h1{font-family:var(--font-heading);font-size:1.5rem;font-weight:700;color:var(--text-primary);letter-spacing:-.02em}.header-subtitle{font-size:.85rem;color:var(--text-muted);margin-top:2px}.bottom-nav{position:fixed;bottom:0;left:0;right:0;height:var(--nav-height);background:#111a15f2;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border-top:1px solid var(--border);display:flex;justify-content:center;align-items:stretch;z-index:100;padding:0 8px}.nav-inner{display:flex;max-width:500px;width:100%}.nav-tab{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;background:none;border:none;color:var(--text-muted);font-family:var(--font-body);font-size:.7rem;font-weight:500;cursor:pointer;transition:color var(--transition),transform var(--transition);padding:8px 4px;position:relative}.nav-tab:hover{color:var(--text-secondary)}.nav-tab.active{color:var(--accent)}.nav-tab.active:before{content:"";position:absolute;top:0;left:25%;right:25%;height:2px;background:var(--accent);border-radius:0 0 2px 2px}.nav-tab:active{transform:scale(.95)}.nav-icon{font-size:1.3rem;line-height:1}.section-title{font-family:var(--font-heading);font-size:1.25rem;font-weight:600;margin-bottom:16px;color:var(--text-primary)}.section-card{background:var(--bg-surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px;margin-bottom:16px}.chat-container{display:flex;flex-direction:column;height:calc(100vh - 180px);max-height:700px}.chat-log{flex:1;overflow-y:auto;padding:16px 0;display:flex;flex-direction:column;gap:12px;scroll-behavior:smooth}.chat-log::-webkit-scrollbar{width:4px}.chat-log::-webkit-scrollbar-thumb{background:var(--border);border-radius:4px}.chat-empty{display:flex;flex-direction:column;align-items:center;justify-content:center;flex:1;text-align:center;gap:12px;color:var(--text-muted)}.chat-empty-icon{font-size:3rem;opacity:.5}.chat-empty-title{font-family:var(--font-heading);font-size:1.1rem;color:var(--text-secondary)}.chat-message{max-width:85%;padding:12px 16px;border-radius:var(--radius-md);font-size:.9rem;line-height:1.65;animation:messageSlide .25s ease}@keyframes messageSlide{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}.chat-message.user{align-self:flex-end;background:var(--accent);color:var(--bg-primary);border-bottom-right-radius:4px}.chat-message.assistant{align-self:flex-start;background:var(--bg-card);border:1px solid var(--border);border-bottom-left-radius:4px;color:var(--text-primary)}.chat-message.assistant p{margin-bottom:8px}.chat-message.assistant p:last-child{margin-bottom:0}.chat-message.assistant ul,.chat-message.assistant ol{padding-left:18px;margin-bottom:8px}.chat-message.assistant li{margin-bottom:4px}.chat-message.assistant strong{color:var(--accent)}.chat-message.error{align-self:center;background:var(--error-bg);border:1px solid rgba(239,68,68,.3);color:#fca5a5;text-align:center;max-width:90%}.typing-indicator{align-self:flex-start;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-md);padding:12px 20px;display:flex;gap:5px;align-items:center}.typing-dot{width:7px;height:7px;background:var(--accent);border-radius:50%;animation:typingBounce 1.2s infinite}.typing-dot:nth-child(2){animation-delay:.2s}.typing-dot:nth-child(3){animation-delay:.4s}@keyframes typingBounce{0%,60%,to{transform:translateY(0);opacity:.4}30%{transform:translateY(-6px);opacity:1}}.quick-chips{display:flex;flex-wrap:wrap;gap:8px;padding:12px 0}.quick-chip{background:var(--bg-card);border:1px solid var(--border);border-radius:20px;padding:8px 14px;font-size:.78rem;color:var(--text-secondary);cursor:pointer;transition:all var(--transition);font-family:var(--font-body);white-space:nowrap}.quick-chip:hover{border-color:var(--accent);color:var(--accent);background:var(--accent-soft);transform:translateY(-1px)}.quick-chip:active{transform:scale(.97)}.chat-input-row{display:flex;gap:8px;padding:12px 0 4px;border-top:1px solid var(--border)}.chat-input{flex:1;background:var(--bg-input);border:1px solid var(--border);border-radius:var(--radius-md);padding:12px 16px;color:var(--text-primary);font-size:.9rem;font-family:var(--font-body);transition:border-color var(--transition);resize:none}.chat-input::placeholder{color:var(--text-muted)}.chat-input:focus{border-color:var(--accent)}.chat-send-btn{background:var(--accent);color:var(--bg-primary);border:none;border-radius:var(--radius-md);padding:12px 20px;font-size:.9rem;font-weight:600;font-family:var(--font-body);cursor:pointer;transition:all var(--transition);display:flex;align-items:center;gap:6px;white-space:nowrap}.chat-send-btn:hover:not(:disabled){background:var(--accent-hover);transform:scale(1.02);box-shadow:var(--shadow-glow)}.chat-send-btn:active:not(:disabled){transform:scale(.97)}.chat-send-btn:disabled{opacity:.4;cursor:not-allowed}.budget-income-group{display:flex;align-items:center;gap:12px;margin-bottom:20px}.budget-income-group label{font-size:.85rem;color:var(--text-secondary);white-space:nowrap;min-width:110px}.budget-slider{flex:1;-webkit-appearance:none;-moz-appearance:none;appearance:none;height:6px;background:var(--border);border-radius:3px;outline:none;cursor:pointer}.budget-slider::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;background:var(--accent);border-radius:50%;cursor:pointer;box-shadow:0 0 8px #22c55e66;transition:transform var(--transition)}.budget-slider::-webkit-slider-thumb:hover{transform:scale(1.2)}.budget-slider::-moz-range-thumb{width:20px;height:20px;background:var(--accent);border-radius:50%;border:none;cursor:pointer}.budget-number-input{width:130px;background:var(--bg-input);border:1px solid var(--border);border-radius:var(--radius-sm);padding:8px 12px;color:var(--text-primary);font-size:.9rem;font-family:var(--font-body);text-align:right}.budget-number-input:focus{border-color:var(--accent)}.mode-toggle{display:flex;gap:8px;margin-bottom:16px}.mode-btn{flex:1;padding:10px 16px;border:1px solid var(--border);border-radius:var(--radius-md);background:var(--bg-card);color:var(--text-secondary);font-family:var(--font-body);font-size:.85rem;font-weight:500;cursor:pointer;transition:all var(--transition)}.mode-btn.active{background:var(--accent-soft);border-color:var(--accent);color:var(--accent)}.mode-btn:hover:not(.active){border-color:var(--text-muted)}.budget-bars{display:flex;flex-direction:column;gap:14px;margin-bottom:20px}.budget-bar-group{display:flex;flex-direction:column;gap:6px}.budget-bar-label{display:flex;justify-content:space-between;align-items:baseline;font-size:.85rem}.budget-bar-name{color:var(--text-secondary);font-weight:500}.budget-bar-amount{color:var(--text-primary);font-weight:600;font-family:var(--font-heading)}.budget-bar-track{height:10px;background:var(--bg-input);border-radius:5px;overflow:hidden}.budget-bar-fill{height:100%;border-radius:5px;transition:width .4s ease}.budget-bar-fill.needs{background:linear-gradient(90deg,#22c55e,#16a34a)}.budget-bar-fill.wants{background:linear-gradient(90deg,#3b82f6,#2563eb)}.budget-bar-fill.savings{background:linear-gradient(90deg,#f59e0b,#d97706)}.custom-split-row{display:flex;align-items:center;gap:8px;margin-bottom:8px}.custom-split-row label{min-width:70px;font-size:.82rem;color:var(--text-secondary)}.custom-split-row input[type=range]{flex:1}.custom-percent{min-width:36px;text-align:right;font-size:.85rem;color:var(--text-primary);font-weight:600}.growth-projection{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-md);padding:16px;text-align:center}.growth-projection-title{font-size:.8rem;color:var(--text-muted);margin-bottom:4px}.growth-projection-value{font-family:var(--font-heading);font-size:1.35rem;font-weight:700;color:var(--accent)}.growth-projection-note{font-size:.75rem;color:var(--text-muted);margin-top:4px}.calc-slider-group{margin-bottom:18px}.calc-slider-header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}.calc-slider-label{font-size:.85rem;color:var(--text-secondary)}.calc-slider-value{font-family:var(--font-heading);font-size:.95rem;font-weight:600;color:var(--accent)}.calc-results{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-bottom:16px}.calc-result-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-md);padding:14px 12px;text-align:center}.calc-result-label{font-size:.72rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}.calc-result-value{font-family:var(--font-heading);font-size:1rem;font-weight:700;color:var(--text-primary)}.calc-result-card.highlight{border-color:var(--accent);background:var(--accent-soft)}.calc-result-card.highlight .calc-result-value{color:var(--accent)}.calc-progress-section{margin-bottom:16px}.calc-progress-bar-container{display:flex;height:14px;border-radius:7px;overflow:hidden;background:var(--bg-input);margin-bottom:8px}.calc-progress-invested{background:linear-gradient(90deg,#3b82f6,#2563eb);transition:width .4s ease}.calc-progress-returns{background:linear-gradient(90deg,#22c55e,#16a34a);transition:width .4s ease}.calc-progress-legend{display:flex;justify-content:center;gap:24px;font-size:.78rem;color:var(--text-secondary)}.calc-legend-dot{display:inline-block;width:8px;height:8px;border-radius:50%;margin-right:6px}.calc-legend-dot.invested{background:#3b82f6}.calc-legend-dot.returns{background:#22c55e}.multiplier-badge{display:inline-flex;align-items:center;gap:6px;background:var(--accent-soft);border:1px solid rgba(34,197,94,.3);border-radius:20px;padding:8px 16px;font-family:var(--font-heading);font-weight:700;color:var(--accent);font-size:1rem;margin-top:4px}.multiplier-label{font-family:var(--font-body);font-weight:400;font-size:.82rem;color:var(--text-secondary)}.concept-cards{display:flex;flex-direction:column;gap:10px;margin-bottom:24px}.concept-card{background:var(--bg-surface);border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden;transition:border-color var(--transition)}.concept-card:hover{border-color:var(--text-muted)}.concept-card-header{display:flex;align-items:center;gap:12px;padding:14px 16px;cursor:pointer;background:none;border:none;width:100%;text-align:left;color:inherit;font-family:inherit}.concept-card-icon{font-size:1.4rem;line-height:1}.concept-card-info{flex:1}.concept-card-title{font-family:var(--font-heading);font-size:.95rem;font-weight:600;color:var(--text-primary)}.concept-card-summary{font-size:.78rem;color:var(--text-muted);margin-top:1px}.concept-card-chevron{font-size:.8rem;color:var(--text-muted);transition:transform .25s ease}.concept-card-chevron.open{transform:rotate(180deg)}.concept-card-body{padding:0 16px 16px;animation:expandIn .25s ease}@keyframes expandIn{0%{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:translateY(0)}}.concept-card-body p{font-size:.85rem;color:var(--text-secondary);line-height:1.7;margin-bottom:10px}.concept-example{background:var(--bg-card);border-left:3px solid var(--accent);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:12px 14px;font-size:.82rem;color:var(--text-secondary);line-height:1.65;margin-bottom:8px}.concept-tip{font-size:.8rem;color:var(--accent);font-weight:500}.learning-path{margin-top:8px}.learning-path-title{font-family:var(--font-heading);font-size:1.1rem;font-weight:600;margin-bottom:14px;color:var(--text-primary)}.path-steps{display:flex;flex-direction:column;gap:0;position:relative}.path-step{display:flex;gap:14px;position:relative;padding-bottom:20px}.path-step:last-child{padding-bottom:0}.path-step:before{content:"";position:absolute;left:15px;top:32px;bottom:0;width:2px;background:var(--border)}.path-step:last-child:before{display:none}.path-step-number{width:32px;height:32px;min-width:32px;border-radius:50%;background:var(--accent-soft);border:2px solid var(--accent);display:flex;align-items:center;justify-content:center;font-family:var(--font-heading);font-size:.82rem;font-weight:700;color:var(--accent)}.path-step-content h4{font-family:var(--font-heading);font-size:.9rem;font-weight:600;color:var(--text-primary);margin-bottom:2px}.path-step-content p{font-size:.82rem;color:var(--text-muted);line-height:1.55}.toast{position:fixed;bottom:calc(var(--nav-height) + 16px);left:50%;transform:translate(-50%) translateY(100px);background:var(--bg-card);border:1px solid var(--accent);color:var(--accent);padding:10px 20px;border-radius:20px;font-size:.85rem;font-weight:500;box-shadow:var(--shadow-lg);transition:transform .3s ease;z-index:200;pointer-events:none}.toast.visible{transform:translate(-50%) translateY(0)}@media (max-width: 480px){.app-header h1{font-size:1.25rem}.calc-results{grid-template-columns:1fr}.budget-income-group{flex-wrap:wrap}.budget-number-input{width:100%}.quick-chips{gap:6px}.quick-chip{font-size:.72rem;padding:6px 10px}}@media (min-width: 768px){.app-container{padding:0 32px}.app-header h1{font-size:1.75rem}}