:root {
  --navy:#071a33; --navy-2:#092e62; --blue:#0b4fd8; --blue-2:#0b6fd8; --blue-light:#eaf1ff;
  --red:#dc143c; --gold:#d4af37; --white:#fff; --soft:#f7f9fc; --text:#172033; --muted:#667085;
  --border:#e6eaf0; --green:#177245; --shadow:0 18px 45px rgba(7,26,51,.12); --radius:28px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
.container{width:min(1160px,calc(100% - 40px));margin:0 auto}
.topbar{background:var(--navy);color:rgba(255,255,255,.86);font-size:.9rem;padding:.55rem 0}
.topbar .container{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700}
header{position:sticky;top:0;z-index:999;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:1.5rem}
.brand{display:flex;align-items:center;gap:.75rem;font-weight:900;color:var(--blue);font-size:1.25rem}
.brand-logo{width:58px;height:58px;display:block}
.brand-name{display:flex;flex-direction:column;line-height:1;letter-spacing:1px;color:var(--blue)}
.brand-name .finance{color:var(--blue);font-size:.82rem;letter-spacing:2px;margin-top:.18rem}
.nav-links{display:flex;align-items:center;gap:1.05rem;list-style:none;color:var(--muted);font-weight:700;font-size:.94rem}
.nav-links a:hover{color:var(--blue)}
.mobile-menu{display:none;background:transparent;border:0;color:var(--navy);font-size:1.6rem;cursor:pointer}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;border:0;cursor:pointer;font-weight:850;border-radius:999px;padding:.9rem 1.3rem;transition:.2s ease;font-size:.95rem;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 12px 28px rgba(220,20,60,.22)}
.btn-primary:hover{background:#b90f31}
.btn-secondary{background:#fff;color:var(--navy);border:1px solid var(--border);box-shadow:0 10px 28px rgba(7,26,51,.08)}
.btn-blue{background:var(--blue);color:#fff;box-shadow:0 12px 28px rgba(11,79,216,.18)}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 85% 10%,rgba(212,175,55,.18),transparent 34%),radial-gradient(circle at 10% 20%,rgba(11,79,216,.24),transparent 28%),linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 55%,var(--blue) 100%);color:#fff;padding:92px 0 72px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:.45rem .85rem;font-weight:750;color:rgba(255,255,255,.92);margin-bottom:1.2rem;font-size:.92rem}
.hero h1{font-size:clamp(2.45rem,6vw,4.8rem);line-height:1.02;letter-spacing:-2px;margin-bottom:1.2rem}
.hero p{font-size:1.16rem;color:rgba(255,255,255,.86);max-width:700px;margin-bottom:2rem}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;margin-bottom:1.6rem}
.trust-row{display:flex;gap:1rem;flex-wrap:wrap;color:rgba(255,255,255,.82);font-size:.95rem}
.trust-row span{display:inline-flex;gap:.45rem;align-items:center}
.hero-card{background:rgba(255,255,255,.98);color:var(--text);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow)}
.badge{display:inline-flex;align-items:center;justify-content:center;padding:.5rem .85rem;border-radius:999px;background:rgba(11,79,216,.12);color:var(--blue);font-weight:800;font-size:.82rem}
.learning-card{display:grid;gap:1rem}
.learning-card-header{padding:1.15rem;border-radius:22px;background:linear-gradient(135deg,rgba(11,79,216,.12),rgba(234,241,255,.98));border:1px solid rgba(11,79,216,.14)}
.learning-card-header h3{color:var(--navy);font-size:1.35rem;line-height:1.15;margin-top:.7rem}
.learning-path{display:grid;gap:.75rem}
.learning-item{display:grid;grid-template-columns:42px 1fr;gap:.85rem;align-items:start;padding:.9rem;border:1px solid var(--border);border-radius:18px;background:#fff}
.learning-number{width:42px;height:42px;border-radius:14px;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900}
.learning-item strong{display:block;color:var(--navy);margin-bottom:.12rem}
.learning-item span{color:var(--muted);font-size:.94rem}
.learning-footer{display:grid;grid-template-columns:repeat(2,1fr);gap:.75rem}
.mini-stat{border-radius:18px;padding:.85rem;background:var(--blue-light);color:var(--navy);text-align:center;font-weight:800}
.mini-stat span{display:block;color:var(--muted);font-size:.82rem;font-weight:700;margin-top:.15rem}
.section{padding:82px 0}
.section-soft{background:var(--soft)}
.section-title{text-align:center;margin-bottom:3rem}
.section-title h2{color:var(--navy);font-size:clamp(2rem,4vw,3rem);line-height:1.1;margin-bottom:.8rem;letter-spacing:-1px}
.section-title p{color:var(--muted);max-width:780px;margin:0 auto;font-size:1.05rem}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.card,.panel,.calculator-card{background:#fff;border:1px solid var(--border);border-radius:24px;padding:1.55rem;box-shadow:0 10px 28px rgba(7,26,51,.06)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.icon{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;background:var(--blue-light);color:var(--blue);font-size:1.35rem;margin-bottom:1rem}
.card h3,.panel h3{color:var(--navy);margin-bottom:.65rem;font-size:1.22rem}
.card p,.card li,.panel p{color:var(--muted)}
.split{display:grid;grid-template-columns:.95fr 1.05fr;gap:2.2rem;align-items:center}
.feature-box{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow)}
.check-list{display:grid;gap:1rem;list-style:none}
.check-list li{display:flex;gap:.8rem;align-items:flex-start}
.check-list i{color:var(--red);margin-top:.25rem}
.process{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.step{background:#fff;border:1px solid var(--border);border-radius:22px;padding:1.4rem}
.step::before{counter-increment:step;content:counter(step);width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900;margin-bottom:1rem}
.step h3{color:var(--navy);margin-bottom:.5rem}
.step p{color:var(--muted);font-size:.95rem}
.stats{background:var(--navy);color:#fff;border-radius:30px;padding:2rem;display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.stat{text-align:center;padding:1rem}
.stat strong{display:block;font-size:2rem;color:var(--gold);margin-bottom:.2rem}
.stat span{color:rgba(255,255,255,.78)}
.tool-shell{background:#fff;border:1px solid var(--border);border-radius:32px;padding:1rem;box-shadow:var(--shadow);overflow:visible}
.tool-tabs,.sub-tabs{display:flex;gap:.7rem;align-items:center;overflow-x:auto;padding:.6rem;background:var(--soft);border:1px solid var(--border);border-radius:999px;margin-bottom:1rem;scrollbar-width:thin}
.tab-btn,.sub-tab,.scenario-tab{border:1px solid var(--border);background:#fff;color:var(--navy);padding:.75rem 1rem;border-radius:999px;font-weight:850;cursor:pointer;white-space:nowrap;flex:0 0 auto}
.tab-btn.active,.sub-tab.active,.scenario-tab.active{background:var(--blue);color:#fff;border-color:var(--blue)}
.tool-panel,.sub-panel,.scenario-form{display:none}
.tool-panel.active,.sub-panel.active,.scenario-form.active{display:block}
.calculator-card{max-width:none;border-radius:26px;padding:1.6rem;box-shadow:none}
.tool-grid{display:grid;grid-template-columns:minmax(280px,.9fr) minmax(320px,1.1fr);gap:1.5rem;align-items:start}
.calc-form{display:grid;gap:.9rem}
.field-row label,.calc-form label{font-weight:800;color:var(--navy);display:flex;gap:.45rem;align-items:center;justify-content:space-between}
.help{display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;border-radius:50%;background:var(--blue-light);color:var(--blue);font-size:.8rem;font-weight:900;position:relative;cursor:help;flex:0 0 auto}
.help::after{content:attr(data-tip);position:fixed;left:50%;top:50%;transform:translate(-50%,-50%);background:#071a33;color:#fff;border-radius:14px;padding:.85rem 1rem;width:min(320px,calc(100vw - 32px));box-shadow:0 20px 50px rgba(7,26,51,.25);z-index:9999;opacity:0;pointer-events:none;transition:.15s ease;font-weight:600;line-height:1.4}
.help:hover::after,.help:focus::after{opacity:1}
.calc-form input,.calc-form select,.calc-form textarea,.field-row input,.field-row select,.field-row textarea{width:100%;padding:.95rem 1rem;border:1px solid var(--border);border-radius:14px;font-size:1rem;background:#fff}
.result-box{padding:1.35rem;background:rgba(234,241,255,.95);border-radius:22px;border:1px solid rgba(11,79,216,.12);min-height:190px}
.result-title{text-transform:uppercase;font-size:.82rem;letter-spacing:.13em;color:var(--blue);margin-bottom:.65rem;font-weight:850}
.result-text{color:var(--text);line-height:1.75}
.metric-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.85rem;margin:1rem 0}
.metric-card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:1rem;text-align:center}
.metric-card small{display:block;color:var(--muted);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;margin-bottom:.2rem}
.metric-card strong{font-size:1.35rem;color:var(--navy)}
.bar-chart{display:grid;gap:.7rem;margin-top:1rem}
.bar-row{display:grid;grid-template-columns:130px 1fr auto;gap:.7rem;align-items:center;font-size:.92rem}
.bar{height:13px;border-radius:999px;background:var(--border);overflow:hidden}
.bar span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--blue),var(--blue-2));border-radius:999px}
.chart-card{background:#fff;border:1px solid var(--border);border-radius:20px;padding:1rem;margin-top:1rem}
.svg-chart{width:100%;height:220px;background:linear-gradient(180deg,#fff,#f7f9fc);border:1px solid var(--border);border-radius:18px;overflow:hidden}
.donut-wrap{display:grid;grid-template-columns:140px 1fr;gap:1rem;align-items:center;margin-top:1rem}
.donut{width:140px;height:140px;border-radius:50%;background:conic-gradient(var(--blue) var(--p,55%),#e6eaf0 0);display:grid;place-items:center}
.donut::after{content:attr(data-label);width:82px;height:82px;border-radius:50%;background:#fff;display:grid;place-items:center;text-align:center;color:var(--navy);font-weight:900;box-shadow:inset 0 0 0 1px var(--border)}
.report-actions{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1rem}
.notice{margin-top:1rem;padding:1rem;border-radius:18px;background:#fff8e1;border:1px solid rgba(212,175,55,.35);color:#5c4610;font-size:.94rem}
.contact{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:30px;padding:3rem;display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:center;overflow:hidden}
.contact h2{font-size:clamp(2rem,4vw,3rem);line-height:1.08;margin-bottom:1rem}
.contact p{color:rgba(255,255,255,.84);margin-bottom:1.5rem}
.contact-card{background:#fff;color:var(--text);border-radius:24px;padding:1.5rem;width:100%;max-width:460px;justify-self:center;overflow-wrap:anywhere}
.contact-field{padding:.8rem 1rem;border:1px solid var(--border);border-radius:14px;font-size:1rem;min-width:0}
.contact-item{display:flex;align-items:center;gap:.85rem;padding:.95rem 0;border-bottom:1px solid var(--border);min-width:0;overflow-wrap:anywhere}
.contact-item:last-child{border-bottom:0}
.contact-item i{color:var(--blue);width:24px}
.status-message{border-radius:16px;padding:1rem 1.1rem;margin-top:1rem;font-weight:750}
.status-message.success{background:rgba(46,204,113,.1);color:#1f7a3b;border:1px solid rgba(46,204,113,.3)}
.status-message.error{background:rgba(220,20,60,.1);color:#9f1d35;border:1px solid rgba(220,20,60,.3)}
footer{background:#041124;color:rgba(255,255,255,.8);padding:3rem 0 2rem}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:2rem;margin-bottom:2rem}
footer h3,footer h4{color:#fff;margin-bottom:.8rem}
footer ul{list-style:none;display:grid;gap:.5rem}
footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:1.4rem;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;font-size:.9rem}
.account-pill{display:inline-flex;align-items:center;gap:.45rem;padding:.75rem 1rem;border:1px solid var(--border);border-radius:999px;background:#fff;color:var(--navy);font-weight:850;cursor:pointer}
.account-menu{position:absolute;right:0;top:44px;background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:var(--shadow);min-width:210px;padding:.65rem;display:none;z-index:1000}
.account-wrap{position:relative}
.account-menu.open{display:block}
.account-menu a,.account-menu button{display:block;width:100%;text-align:left;padding:.7rem .8rem;border:0;background:#fff;color:var(--navy);border-radius:12px;cursor:pointer;font-weight:750}
.account-menu a:hover,.account-menu button:hover{background:var(--soft)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.dashboard-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-bottom:1.5rem}
.dashboard-tile{background:#fff;border:1px solid var(--border);border-radius:22px;padding:1.2rem;box-shadow:0 10px 28px rgba(7,26,51,.06)}
.dashboard-tile strong{display:block;color:var(--navy);font-size:1.6rem}
.dashboard-list{display:grid;gap:1rem}
.saved-item{border:1px solid var(--border);border-radius:24px;padding:1.2rem;background:#fff;box-shadow:0 10px 28px rgba(7,26,51,.06)}
.saved-head{display:flex;justify-content:space-between;gap:1rem;align-items:flex-start;flex-wrap:wrap;margin-bottom:.8rem}
.saved-meta{color:var(--muted);font-size:.9rem}
.assumptions{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1rem}
.assumption-box{background:var(--soft);border:1px solid var(--border);border-radius:18px;padding:1rem}
.assumption-box h4{color:var(--navy);margin-bottom:.5rem}
.kv{display:flex;justify-content:space-between;gap:1rem;padding:.45rem 0;border-bottom:1px solid rgba(7,26,51,.08)}
.kv:last-child{border-bottom:0}
.kv span:first-child{color:var(--muted);font-weight:700}
.kv span:last-child{color:var(--navy);font-weight:850;text-align:right}
.auth-card{max-width:520px;margin:0 auto;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow)}
.profile-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}
.content-list{display:grid;gap:1rem}
.content-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:1.35rem;box-shadow:0 10px 28px rgba(7,26,51,.06)}
.content-card h3{color:var(--navy)}
.content-meta{color:var(--muted);font-size:.9rem;margin:.35rem 0 .75rem}
.content-body{color:var(--text);white-space:pre-wrap}
.empty-state{color:var(--muted);text-align:center;padding:2rem}
.fx-output{font-size:1.45rem;color:var(--navy);font-weight:900;margin-top:.8rem}
.locked-panel{max-width:760px;margin:0 auto;text-align:center;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow)}
.admin-layout{display:grid;grid-template-columns:360px 1fr;gap:1.5rem;align-items:start}
.admin-sidebar{position:sticky;top:96px;background:#fff;border:1px solid var(--border);border-radius:24px;padding:1rem;box-shadow:var(--shadow)}
.admin-editor{background:#fff;border:1px solid var(--border);border-radius:24px;padding:1.5rem;box-shadow:var(--shadow)}
.editor-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.admin-toolbar{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1rem}
.goal-list{display:grid;gap:1rem}
.goal-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:1.2rem;box-shadow:0 10px 28px rgba(7,26,51,.06)}
.progress-track{height:14px;background:var(--border);border-radius:999px;overflow:hidden;margin:.8rem 0}
.progress-track span{display:block;height:100%;background:linear-gradient(90deg,var(--blue),#29d3ff)}
.quiz-option{display:block;border:1px solid var(--border);border-radius:16px;padding:1rem;background:#fff;cursor:pointer;margin:.6rem 0}
.quiz-option input{margin-right:.6rem}
.privacy-list{display:grid;gap:.9rem}
@media (max-width:930px){
  header{position:relative}
  .hero-grid,.split,.contact,.footer-grid,.tool-grid,.grid-2,.grid-3,.dashboard-grid,.profile-grid,.admin-layout,.editor-row,.assumptions{grid-template-columns:1fr}
  .cards,.process,.stats{grid-template-columns:repeat(2,1fr)}
  .nav-links{position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--border);padding:1.2rem 2rem;display:none;flex-direction:column;align-items:flex-start}
  .nav-links.open{display:flex}
  .mobile-menu{display:block}
  .admin-sidebar{position:static}
}
@media (max-width:560px){
  .container{width:min(100% - 28px,1120px)}
  .topbar .container{justify-content:center;text-align:center}
  .hero{padding:64px 0 50px}
  .hero-actions .btn,.report-actions .btn{width:100%}
  .cards,.process,.stats{grid-template-columns:1fr}
  .contact,.calculator-card,.panel,.tool-shell{padding:1.1rem;border-radius:22px}
  .bar-row{grid-template-columns:1fr}
  .metric-grid{grid-template-columns:1fr}
  .donut-wrap{grid-template-columns:1fr}
  .tool-tabs,.sub-tabs{border-radius:20px;padding:.6rem}
  .tab-btn,.sub-tab,.scenario-tab{padding:.72rem .9rem}
  .contact{gap:1.3rem}
}
@media print{
  header,.topbar,footer,.btn,.report-actions{display:none!important}
  body{background:#fff}
  .panel,.saved-item,.result-box{box-shadow:none!important}
}


/* V4.2: language toggle + PDF/mobile polish */
.lang-toggle { min-width: 88px; }
html[dir="rtl"] body { direction: rtl; }
html[dir="rtl"] .brand-name { text-align: right; }
html[dir="rtl"] .nav-links { direction: rtl; }
html[dir="rtl"] .contact-item { flex-direction: row-reverse; text-align: right; }
html[dir="rtl"] .hero, html[dir="rtl"] .section-title { text-align: right; }
html[dir="rtl"] .section-title { text-align: center; }
.auto-snapshot-note { background: var(--blue-light); border: 1px solid rgba(11,79,216,.18); border-radius: 18px; padding: 1rem; color: var(--navy); margin-bottom: 1rem; }
.snapshot-empty { background:#fff; border:1px solid var(--border); border-radius:24px; padding:2rem; text-align:center; color:var(--muted); box-shadow:0 10px 28px rgba(7,26,51,.06); }
.report-logo-small { display:inline-flex; align-items:center; gap:.65rem; color:#0b4fd8; font-weight:900; letter-spacing:1px; }
@media (max-width: 560px) { .lang-toggle { width: 100%; } }


/* V4.3 requested upgrades */
.onboard-step{display:none}
.admin-analytics-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:1rem}
.admin-editor textarea{min-height:260px}
.content-card img{box-shadow:0 10px 28px rgba(7,26,51,.08)}
html[dir="rtl"] body{direction:rtl;text-align:right}
html[dir="rtl"] .nav-links, html[dir="rtl"] .hero-actions, html[dir="rtl"] .report-actions{direction:rtl}
html[dir="rtl"] .brand-name{align-items:flex-start}
html[dir="rtl"] .kv span:last-child{text-align:left}
.privacy-controls .btn{margin:.2rem}
@media (max-width: 560px){
  .admin-toolbar .btn{width:100%}
  .editor-row{grid-template-columns:1fr}
  .admin-editor textarea{min-height:220px}
  .tool-tabs, .sub-tabs{position:static!important}
}


/* V4.4 admin/editor/privacy/export fixes */
.editor-shell{display:grid;grid-template-columns:minmax(280px,.85fr) minmax(320px,1.15fr);gap:1.25rem;align-items:start}
.editor-panel{background:#fff;border:1px solid var(--border);border-radius:22px;padding:1.2rem}
.toolbar-grid{display:flex;gap:.55rem;flex-wrap:wrap;padding:.75rem;background:var(--soft);border:1px solid var(--border);border-radius:18px;margin-bottom:.9rem}
.toolbar-grid .btn{padding:.65rem .85rem;font-size:.88rem}
.content-preview-box{background:#fff;border:1px solid var(--border);border-radius:18px;padding:1rem;min-height:220px;overflow:auto}
.content-preview-box h1,.content-preview-box h2,.content-preview-box h3{color:var(--navy);margin:.7rem 0 .4rem}
.content-preview-box ul{margin-left:1.2rem;display:grid;gap:.25rem}
html[dir="rtl"] .content-preview-box ul{margin-left:0;margin-right:1.2rem}
.onboard-step{display:none}
.onboard-progress-label{font-weight:850;color:var(--navy);margin-bottom:.6rem}
.danger-zone{border-color:rgba(220,20,60,.35)!important;background:rgba(220,20,60,.035)!important}
.danger-zone h2{color:#9f1d35}
.admin-alert{background:rgba(220,20,60,.08);border:1px solid rgba(220,20,60,.25);color:#9f1d35;border-radius:16px;padding:1rem;margin-bottom:1rem;font-weight:800}
.admin-link-hidden{display:none!important}
.help{z-index:20}
.help::after{white-space:normal;text-align:left}
@media(max-width:930px){.editor-shell{grid-template-columns:1fr}.admin-sidebar{position:static}.admin-toolbar .btn,.toolbar-grid .btn{width:auto}}
@media(max-width:560px){.toolbar-grid .btn,.admin-toolbar .btn{width:100%}.editor-panel{padding:1rem}.content-preview-box{max-height:none}.help::after{top:45%;}}


/* V4.5 tooltip anchor fix: explanations appear by their own ? icon, not center page */
.help{position:relative;z-index:50}
.help::after{
  position:absolute!important;
  left:auto!important;
  top:auto!important;
  right:0!important;
  bottom:calc(100% + 10px)!important;
  transform:none!important;
  width:min(320px, calc(100vw - 40px))!important;
  max-width:320px!important;
  white-space:normal!important;
  text-align:left!important;
  line-height:1.4!important;
  z-index:99999!important;
}
.help::before{
  content:"";
  position:absolute;
  right:6px;
  bottom:calc(100% + 3px);
  border:7px solid transparent;
  border-top-color:#071a33;
  opacity:0;
  transition:.15s ease;
  pointer-events:none;
  z-index:99999;
}
.help:hover::before,.help:focus::before{opacity:1}
@media(max-width:560px){
  .help::after{right:-12px!important;width:min(280px, calc(100vw - 28px))!important}
}


/* V4.6 admin deletion request status polish */
.saved-item.reviewed-request{border-color:rgba(23,114,69,.45)!important;background:rgba(23,114,69,.04)!important}
.status-reviewed{background:rgba(23,114,69,.12);color:#177245}
.status-denied{background:rgba(102,112,133,.12);color:#667085}


/* V4.7 phone layout optimization */
@media (max-width: 760px){
  html,body{width:100%;overflow-x:hidden}
  .container{width:calc(100% - 24px);margin:0 auto}
  .topbar{font-size:.78rem}
  .topbar .container{gap:.35rem}
  header{position:relative!important}
  .nav{min-height:68px;gap:.75rem}
  .brand-logo{width:46px;height:46px}
  .brand{font-size:1rem}
  .mobile-menu{display:block}
  .nav-links{
    top:68px!important;
    left:8px!important;
    right:8px!important;
    max-height:calc(100vh - 84px);
    overflow:auto;
    border:1px solid var(--border);
    border-radius:22px;
    box-shadow:var(--shadow);
    padding:1rem!important;
    gap:.55rem!important;
    z-index:2000;
  }
  .nav-links li,.nav-links a,.nav-links .btn,.account-pill{width:100%;justify-content:flex-start}
  .account-wrap,.account-menu{width:100%;position:relative!important;top:auto!important;right:auto!important}
  .account-menu{margin-top:.5rem;box-shadow:none;border-radius:16px}
  .hero{padding:44px 0 38px}
  .hero h1{font-size:2.35rem;letter-spacing:-1.4px}
  .hero p{font-size:1rem}
  .hero-grid,.split,.tool-grid,.grid-2,.grid-3,.dashboard-grid,.profile-grid,.editor-shell,.admin-layout{grid-template-columns:1fr!important}
  .hero-actions,.report-actions{display:grid;grid-template-columns:1fr;gap:.65rem}
  .hero-actions .btn,.report-actions .btn{width:100%}
  .section{padding:48px 0}
  .section-title{margin-bottom:1.6rem}
  .section-title h2{font-size:2rem}
  .cards,.process,.stats{grid-template-columns:1fr!important}
  .card,.panel,.calculator-card,.tool-shell,.auth-card,.saved-item,.goal-card,.content-card{border-radius:20px;padding:1rem}
  .tool-shell{padding:.75rem;overflow:hidden}
  .tool-tabs,.sub-tabs{
    display:flex!important;
    flex-wrap:nowrap!important;
    overflow-x:auto!important;
    overflow-y:hidden!important;
    scroll-snap-type:x proximity;
    -webkit-overflow-scrolling:touch;
    border-radius:18px!important;
    padding:.45rem!important;
    gap:.45rem!important;
    position:static!important;
    max-width:100%;
  }
  .tab-btn,.sub-tab,.scenario-tab{
    flex:0 0 auto!important;
    min-width:max-content;
    padding:.7rem .85rem!important;
    font-size:.88rem!important;
    scroll-snap-align:start;
  }
  .calc-form{gap:.75rem}
  .calc-form input,.calc-form select,.calc-form textarea,.contact-field{padding:.85rem .9rem;font-size:16px}
  .result-box{min-height:auto;padding:1rem;border-radius:18px}
  .metric-grid{grid-template-columns:1fr!important;gap:.65rem}
  .metric-card{padding:.85rem}
  .bar-row{grid-template-columns:1fr!important;gap:.35rem}
  .svg-chart{height:180px}
  .donut-wrap{grid-template-columns:1fr!important;text-align:center}
  .donut{margin:0 auto}
  .dashboard-tile strong{font-size:1.35rem}
  .saved-head{display:grid!important;grid-template-columns:1fr!important;gap:.8rem}
  .assumptions{grid-template-columns:1fr!important}
  .kv{display:grid!important;grid-template-columns:1fr!important;gap:.15rem}
  .kv span:last-child{text-align:left!important;word-break:break-word}
  .contact{padding:1.1rem!important;border-radius:22px;grid-template-columns:1fr!important}
  .contact-card{max-width:100%;padding:1rem}
  .footer-grid{grid-template-columns:1fr!important}
  .footer-bottom{display:grid}
  .help::after{
    right:auto!important;
    left:50%!important;
    transform:translateX(-50%)!important;
    bottom:calc(100% + 9px)!important;
    width:min(280px, calc(100vw - 32px))!important;
  }
}
@media (max-width: 420px){
  .hero h1{font-size:2rem}
  .brand-name .finance{font-size:.7rem}
  .tab-btn,.sub-tab{font-size:.82rem!important}
}


/* V5.0 tool/content upgrades */
.debt-rows{display:grid;gap:.75rem}
.debt-row{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr auto;gap:.55rem;align-items:end;background:var(--soft);border:1px solid var(--border);border-radius:16px;padding:.75rem}
.true-cost-block{margin-bottom:1rem;box-shadow:none!important}
.true-cost-block h3{margin-bottom:.75rem}
.content-card .content-body ul{margin-left:1.25rem;margin-top:.5rem;margin-bottom:.5rem}
.content-card .content-body p{margin:.5rem 0}
@media(max-width:760px){
  .debt-row{grid-template-columns:1fr!important}
  .debt-row .btn{width:100%}
  #workspace-life-truecost .panel{padding:.9rem}
  #workspace-life-truecost .calc-form{gap:.65rem}
}


/* V5.1 separated lifestyle buttons + payslip/security polish */
#workspace-life .sub-tabs{gap:.45rem}
#payslipResult pre{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.85rem}
@media(max-width:760px){
  #workspace-life .sub-tabs{display:flex;overflow-x:auto;white-space:nowrap}
}


/* V5.2 debt strategy + life decision alignment fixes */
.debt-row-card{
  display:grid!important;
  grid-template-columns: minmax(180px, 1.35fr) minmax(130px, 1fr) minmax(130px, 1fr) minmax(150px, 1fr) minmax(130px, .8fr) auto!important;
  gap:.75rem!important;
  align-items:end!important;
  padding:1rem!important;
  background:#fff!important;
  border:1px solid var(--border)!important;
  border-radius:18px!important;
}
.debt-field{display:grid;gap:.3rem;min-width:0}
.debt-field label{font-size:.78rem!important;color:var(--muted)!important;font-weight:850!important;white-space:normal!important}
.debt-field input{width:100%;min-width:0}
.debt-remove{align-self:end;white-space:nowrap}
.responsive-table{overflow-x:auto;border:1px solid var(--border);border-radius:16px;margin:1rem 0;background:#fff}
.responsive-table table{width:100%;border-collapse:collapse;min-width:680px}
.responsive-table th,.responsive-table td{padding:.8rem;border-bottom:1px solid var(--border);text-align:left;vertical-align:top}
.responsive-table th{background:var(--soft);color:var(--navy);font-size:.85rem}
.responsive-table tr:last-child td{border-bottom:0}
@media(max-width:950px){
  .debt-row-card{grid-template-columns:1fr 1fr!important}
  .debt-field-name,.debt-remove{grid-column:1/-1}
}
@media(max-width:560px){
  .debt-row-card{grid-template-columns:1fr!important}
  .debt-remove{width:100%}
}


/* V5.3 debt comparison no-overlap layout */
.strategy-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:1rem;
  margin:1.25rem 0;
  align-items:stretch;
}
.strategy-card{
  border:1px solid var(--border);
  border-radius:20px;
  background:#fff;
  padding:1rem;
  min-width:0;
  overflow:hidden;
  box-shadow:0 12px 30px rgba(7,26,51,.06);
}
.strategy-card.best-strategy{
  border-color:rgba(11,79,216,.45);
  background:rgba(11,79,216,.035);
}
.strategy-card-head{
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
  gap:.75rem;
  margin-bottom:.8rem;
}
.strategy-card-head h3{margin:0;color:var(--navy)}
.strategy-card-head span{
  flex:0 0 auto;
  border-radius:999px;
  background:rgba(11,79,216,.12);
  color:var(--blue);
  padding:.25rem .55rem;
  font-size:.72rem;
  font-weight:900;
}
.strategy-metrics{
  display:grid;
  grid-template-columns:1fr;
  gap:.65rem;
}
.strategy-metrics div{
  border:1px solid var(--border);
  border-radius:14px;
  padding:.75rem;
  background:var(--soft);
  min-width:0;
}
.strategy-metrics small{
  display:block;
  color:var(--muted);
  font-weight:850;
  margin-bottom:.25rem;
  font-size:.75rem;
}
.strategy-metrics strong{
  color:var(--navy);
  word-break:break-word;
  overflow-wrap:anywhere;
  font-size:.95rem;
}
.payoff-list{
  display:grid;
  gap:.4rem;
  margin-top:.75rem;
}
.payoff-list div{
  display:grid;
  grid-template-columns:minmax(0,1fr) auto;
  gap:.5rem;
  border-bottom:1px solid var(--border);
  padding:.35rem 0;
}
.payoff-list span:first-child{font-weight:800;color:var(--navy);min-width:0;overflow-wrap:anywhere}
.payoff-list span:last-child{color:var(--muted);text-align:right}
@media(max-width:1050px){
  .strategy-grid{grid-template-columns:1fr}
}
@media(max-width:760px){
  .strategy-card{padding:.85rem}
  .strategy-card-head{display:grid}
  .payoff-list div{grid-template-columns:1fr}
  .payoff-list span:last-child{text-align:left}
}


/* V5.4 debt strategy full-width layout fix */
.debt-strategy-card{
  display:block!important;
  width:100%!important;
  max-width:100%!important;
  overflow:visible!important;
}
.debt-strategy-header{
  display:grid;
  grid-template-columns:minmax(0,1fr) minmax(280px,420px);
  gap:1rem;
  align-items:start;
  margin-bottom:1.25rem;
}
.debt-strategy-header h3{
  margin:0 0 .35rem;
  color:var(--navy);
}
.compact-note{
  margin:0!important;
  padding:.85rem!important;
}
.debt-settings-grid{
  display:grid;
  grid-template-columns:minmax(170px,.5fr) minmax(180px,.5fr) minmax(260px,1fr);
  gap:1rem;
  margin-bottom:1.1rem;
}
.debt-settings-grid .calc-form{
  gap:.35rem!important;
}
.debt-table-wrap{
  border:1px solid var(--border);
  border-radius:22px;
  padding:1rem;
  background:#fff;
  overflow-x:auto;
  margin-bottom:1rem;
}
.debt-table-head{
  display:grid;
  grid-template-columns:minmax(220px,1.4fr) minmax(150px,1fr) minmax(170px,1fr) minmax(180px,1fr) minmax(150px,.8fr) 112px;
  gap:.75rem;
  color:var(--muted);
  font-size:.78rem;
  font-weight:900;
  letter-spacing:.02em;
  padding:0 .25rem .6rem;
  min-width:980px;
}
.debt-rows-table{
  display:grid!important;
  gap:.75rem!important;
  min-width:980px;
}
.debt-table-row{
  display:grid!important;
  grid-template-columns:minmax(220px,1.4fr) minmax(150px,1fr) minmax(170px,1fr) minmax(180px,1fr) minmax(150px,.8fr) 112px!important;
  gap:.75rem!important;
  align-items:end!important;
  padding:.85rem!important;
  background:var(--soft)!important;
  border:1px solid var(--border)!important;
  border-radius:18px!important;
}
.debt-table-row .debt-field label{
  display:none!important;
}
.debt-table-row input{
  width:100%!important;
  min-width:0!important;
  padding:.85rem!important;
  font-size:1rem!important;
}
.debt-remove{
  width:100%!important;
  align-self:end!important;
  white-space:nowrap!important;
}
.debt-actions-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:1rem;
  margin:1rem 0 1.35rem;
}
.debt-actions-row .btn{
  width:100%;
}
.debt-result-wide{
  width:100%!important;
  max-width:100%!important;
  min-height:unset!important;
  overflow:visible!important;
  background:#eef4ff!important;
}
.debt-result-wide .metric-grid{
  grid-template-columns:repeat(3,minmax(180px,1fr))!important;
}
.strategy-grid{
  grid-template-columns:repeat(3,minmax(260px,1fr))!important;
  gap:1rem!important;
}
.strategy-card{
  min-width:0!important;
  overflow:visible!important;
}
.strategy-metrics{
  grid-template-columns:1fr!important;
}
.strategy-metrics strong{
  line-height:1.45!important;
}
#debtStrategyBars .bar-row{
  grid-template-columns:minmax(130px,180px) 1fr auto!important;
}
@media(max-width:1000px){
  .debt-strategy-header,.debt-settings-grid,.strategy-grid{
    grid-template-columns:1fr!important;
  }
  .debt-result-wide .metric-grid{
    grid-template-columns:1fr!important;
  }
}
@media(max-width:760px){
  .debt-table-wrap{
    padding:.75rem;
  }
  .debt-table-head{
    display:none!important;
  }
  .debt-rows-table{
    min-width:0!important;
  }
  .debt-table-row{
    min-width:0!important;
    grid-template-columns:1fr!important;
  }
  .debt-table-row .debt-field label{
    display:block!important;
    font-size:.78rem!important;
    color:var(--muted)!important;
    font-weight:900!important;
    margin-bottom:.25rem!important;
  }
  .debt-actions-row{
    grid-template-columns:1fr!important;
  }
  #debtStrategyBars .bar-row{
    grid-template-columns:1fr!important;
  }
}


/* V5.5 snowball vs avalanche only */
.debt-settings-grid.two-col{
  grid-template-columns:minmax(170px,.55fr) minmax(180px,.55fr)!important;
  max-width:720px;
}
.debt-table-head.snow-avalanche-head{
  grid-template-columns:minmax(260px,1.5fr) minmax(180px,1fr) minmax(190px,1fr) minmax(210px,1fr) 120px!important;
  min-width:980px!important;
}
.debt-table-row.snow-avalanche-row{
  grid-template-columns:minmax(260px,1.5fr) minmax(180px,1fr) minmax(190px,1fr) minmax(210px,1fr) 120px!important;
}
.snow-avalanche-results{
  grid-template-columns:repeat(2,minmax(280px,1fr))!important;
}
.snow-avalanche-results .strategy-card{
  min-height:100%;
}
@media(max-width:1000px){
  .debt-settings-grid.two-col,.snow-avalanche-results{
    grid-template-columns:1fr!important;
    max-width:none;
  }
}
@media(max-width:760px){
  .debt-table-head.snow-avalanche-head{display:none!important}
  .debt-table-row.snow-avalanche-row{
    grid-template-columns:1fr!important;
  }
}


/* V5.7 UX, mobile, dashboard refresh */
:root{
  --good:#177245;
  --warn:#c47a00;
  --danger:#b42318;
  --surface:#ffffff;
  --surface-2:#f4f7fb;
}
.btn,.tab-btn,.sub-tab,.account-pill{min-height:44px}
input,select,textarea{font-size:16px!important}
.card,.panel,.calculator-card,.result-box,.dashboard-panel,.snapshot-card,.activity-item{
  box-shadow:0 12px 32px rgba(7,26,51,.07);
}
.result-box .metric-grid .metric-card:first-child strong{
  font-size:clamp(2rem,4vw,2.65rem);
  line-height:1.05;
}
.metric-card.good strong,.snapshot-card.good strong{color:var(--good)}
.metric-card.danger strong,.snapshot-card.danger strong{color:var(--danger)}
.metric-card.warn strong,.snapshot-card.warn strong{color:var(--warn)}
.calc-reset-btn{margin-left:.5rem}
.report-actions .btn{min-width:150px}

/* Dashboard */
.dashboard-hero{
  background:linear-gradient(135deg,var(--navy),var(--blue));
  color:#fff;
  padding:52px 0 38px;
}
.dashboard-hero-row{
  display:flex;
  justify-content:space-between;
  gap:1.5rem;
  align-items:center;
}
.dashboard-hero h1{
  font-size:clamp(2rem,4vw,3.3rem);
  letter-spacing:-1px;
  line-height:1.04;
}
.dashboard-hero p{color:rgba(255,255,255,.84);margin-top:.7rem;max-width:700px}
.dark-eyebrow{background:rgba(255,255,255,.12);color:#fff}
.dashboard-quick-actions{display:flex;gap:.8rem;flex-wrap:wrap;justify-content:flex-end}
.dashboard-section{background:linear-gradient(180deg,#f7f9fc,#fff)}
.dashboard-loading{padding:2rem;border:1px solid var(--border);border-radius:24px;background:#fff}
.dashboard-snapshot-grid{
  display:grid;
  grid-template-columns:1.35fr repeat(4,1fr);
  gap:1rem;
  align-items:stretch;
  margin-bottom:1rem;
}
.score-hero,.snapshot-card,.dashboard-panel{
  border:1px solid var(--border);
  border-radius:26px;
  background:#fff;
  padding:1.25rem;
}
.score-hero{
  background:radial-gradient(circle at 85% 20%,rgba(212,175,55,.16),transparent 34%),linear-gradient(135deg,#fff,#eef4ff);
  border-color:rgba(11,79,216,.18);
}
.score-hero span,.snapshot-card small{
  display:block;
  color:var(--muted);
  font-size:.8rem;
  font-weight:900;
  letter-spacing:.08em;
  text-transform:uppercase;
}
.score-hero strong{
  display:block;
  color:var(--navy);
  font-size:clamp(3rem,6vw,4.5rem);
  line-height:1;
  margin:.55rem 0;
}
.score-hero strong small{font-size:1.2rem;color:var(--muted)}
.score-gauge,.goal-progress{
  height:12px;
  background:#e6eaf0;
  border-radius:999px;
  overflow:hidden;
}
.score-gauge span,.goal-progress span{
  display:block;
  height:100%;
  background:linear-gradient(90deg,var(--blue),var(--good));
  border-radius:999px;
}
.score-hero.danger .score-gauge span{background:linear-gradient(90deg,var(--danger),var(--warn))}
.score-hero.warn .score-gauge span{background:linear-gradient(90deg,var(--warn),var(--gold))}
.snapshot-card strong{
  display:block;
  font-size:clamp(1.7rem,3vw,2.35rem);
  color:var(--navy);
  line-height:1.08;
  margin:.65rem 0 .35rem;
  overflow-wrap:anywhere;
}
.snapshot-card span{color:var(--muted);font-weight:750}
.snapshot-card.good{border-color:rgba(23,114,69,.25)}
.snapshot-card.warn{border-color:rgba(196,122,0,.28)}
.snapshot-card.danger{border-color:rgba(180,35,24,.28)}
.dashboard-action-row{
  display:flex;
  gap:.8rem;
  flex-wrap:wrap;
  margin:1rem 0 1.5rem;
}
.dashboard-main-grid{
  display:grid;
  grid-template-columns:1.4fr .8fr;
  gap:1rem;
  align-items:start;
}
.panel-title-row{
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
  gap:1rem;
  margin-bottom:1rem;
}
.panel-title-row h2{color:var(--navy);font-size:1.5rem}
.panel-title-row p{color:var(--muted)}
.dashboard-charts-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:1rem;
}
.big-chart{grid-column:1/-1}
.featured-goal-card{
  border:1px solid rgba(11,79,216,.18);
  background:linear-gradient(135deg,#fff,#eef4ff);
  border-radius:22px;
  padding:1rem;
  margin-bottom:1rem;
}
.featured-goal-card small,.mini-goal small{color:var(--muted);font-weight:850}
.featured-goal-card h3{color:var(--navy);font-size:1.35rem;margin:.25rem 0 .8rem}
.featured-goal-card p{color:var(--muted);font-weight:750;margin-top:.55rem}
.goal-mini-grid{display:grid;gap:.75rem}
.mini-goal{border:1px solid var(--border);border-radius:18px;padding:.85rem;background:var(--soft)}
.mini-goal strong{display:block;color:var(--navy);margin-bottom:.55rem}
.activity-panel{margin-top:1rem}
.activity-tabs{
  display:inline-flex;
  gap:.35rem;
  background:var(--soft);
  border:1px solid var(--border);
  border-radius:999px;
  padding:.3rem;
  margin-bottom:1rem;
}
.activity-tabs button{
  border:0;
  background:transparent;
  padding:.65rem 1rem;
  border-radius:999px;
  font-weight:850;
  cursor:pointer;
  color:var(--muted);
}
.activity-tabs button.active{background:#fff;color:var(--blue);box-shadow:0 8px 20px rgba(7,26,51,.08)}
.activity-list{display:grid;gap:.75rem}
.activity-item{
  display:grid;
  grid-template-columns:minmax(0,1fr) auto;
  gap:1rem;
  align-items:center;
  border:1px solid var(--border);
  border-radius:18px;
  padding:.9rem 1rem;
  background:#fff;
}
.activity-item strong{display:block;color:var(--navy)}
.activity-item span{color:var(--muted);font-size:.9rem}
.activity-metric{text-align:right}
.activity-metric small{display:block;color:var(--muted);font-size:.75rem;font-weight:850}
.activity-metric b{font-size:1.15rem;color:var(--navy)}
.activity-item.good{border-left:4px solid var(--good)}
.activity-item.warn{border-left:4px solid var(--warn)}
.activity-item.danger{border-left:4px solid var(--danger)}
.welcome-tour{
  position:fixed;
  right:20px;
  bottom:20px;
  width:min(420px,calc(100vw - 40px));
  background:#fff;
  border:1px solid var(--border);
  border-radius:22px;
  box-shadow:var(--shadow);
  padding:1rem;
  display:grid;
  grid-template-columns:1fr auto;
  gap:1rem;
  align-items:center;
  z-index:5000;
  transform:translateY(20px);
  opacity:0;
  transition:.25s ease;
}
.welcome-tour.show{transform:translateY(0);opacity:1}
.welcome-tour strong{color:var(--navy)}
.welcome-tour p{color:var(--muted);margin-top:.25rem}

/* Logged-in mobile bottom navigation */
.zf-bottom-nav{
  display:none;
  position:fixed;
  left:10px;
  right:10px;
  bottom:10px;
  background:rgba(255,255,255,.96);
  border:1px solid var(--border);
  border-radius:24px;
  box-shadow:0 16px 44px rgba(7,26,51,.18);
  z-index:4500;
  padding:.45rem;
  grid-template-columns:repeat(4,1fr);
  backdrop-filter:blur(14px);
}
.zf-bottom-nav a{
  display:grid;
  justify-items:center;
  gap:.2rem;
  padding:.55rem .25rem;
  color:var(--muted);
  font-size:.72rem;
  font-weight:850;
}
.zf-bottom-nav i{font-size:1.05rem;color:var(--blue)}
.zf-floating-calc{
  display:none;
  position:fixed;
  right:18px;
  bottom:84px;
  width:54px;
  height:54px;
  border-radius:999px;
  background:var(--red);
  color:#fff;
  align-items:center;
  justify-content:center;
  box-shadow:0 14px 34px rgba(220,20,60,.28);
  z-index:4600;
}

/* Signup progress */
.signup-progress-top{
  display:flex;
  justify-content:space-between;
  gap:1rem;
  color:var(--navy);
  font-weight:900;
  margin:.75rem 0 .45rem;
}
.signup-progress-top span{color:var(--muted);font-weight:750}

/* stronger mobile optimization */
@media(max-width:1020px){
  .dashboard-snapshot-grid{grid-template-columns:1fr 1fr}
  .score-hero{grid-column:1/-1}
  .dashboard-main-grid{grid-template-columns:1fr}
}
@media(max-width:760px){
  body{padding-bottom:84px}
  .dashboard-hero-row{display:grid}
  .dashboard-quick-actions{justify-content:stretch}
  .dashboard-quick-actions .btn{width:100%}
  .dashboard-snapshot-grid,.dashboard-charts-grid{grid-template-columns:1fr}
  .dashboard-action-row{display:grid}
  .dashboard-action-row .btn{width:100%}
  .panel-title-row{display:grid}
  .activity-item{grid-template-columns:1fr}
  .activity-metric{text-align:left}
  .welcome-tour{
    left:12px;
    right:12px;
    bottom:92px;
    width:auto;
    grid-template-columns:1fr;
  }
  .zf-bottom-nav{display:grid}
  .zf-floating-calc{display:flex}
  .tool-grid,.grid-2,.grid-3,.profile-grid,.dashboard-grid{
    grid-template-columns:1fr!important;
  }
  .calculator-card,.result-box,.tool-shell,.panel{
    padding:1rem!important;
  }
  .calc-form{
    display:grid;
    gap:.75rem;
  }
  .calc-form input,.calc-form select,.calc-form textarea{
    min-height:48px;
  }
  .report-actions{
    display:grid!important;
    grid-template-columns:1fr!important;
  }
  .report-actions .btn,.calc-reset-btn{
    width:100%;
    margin-left:0;
  }
}


/* V5.8 UI cleanup: remove oversized dashboard/result typography */
.result-box .metric-grid .metric-card:first-child strong,
.metric-card strong,
.snapshot-card strong,
.score-hero strong,
.dashboard-tile strong,
.activity-metric b {
  font-size: inherit !important;
  line-height: inherit !important;
}

.score-hero strong {
  font-size: 2rem !important;
  line-height: 1.15 !important;
}

.snapshot-card strong {
  font-size: 1.35rem !important;
  line-height: 1.2 !important;
}

.metric-card strong {
  font-size: 1.05rem !important;
}

.activity-metric b {
  font-size: 1rem !important;
}

.dashboard-hero-row {
  align-items: flex-start;
}

.dashboard-quick-actions,
.dashboard-action-row {
  display: none !important;
}