:root{
  --ink:#14231f;--muted:#64736e;--paper:#fbfaf6;--card:#ffffff;--line:#e4e7df;
  --sage:#759486;--sage-dark:#3f6658;--sage-soft:#eaf0ec;--sand:#e9dfcc;--gold:#c69b56;
  --navy:#24343b;--rose:#b96f64;--shadow:0 22px 60px rgba(32,51,45,.11);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:linear-gradient(180deg,#f7f5ef 0,#fbfaf7 38%,#f3f5f1 100%);color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.55}
button,input,select{font:inherit}a{color:inherit}.site-header{height:76px;display:flex;align-items:center;justify-content:space-between;padding:0 max(28px,calc((100vw - 1400px)/2));border-bottom:1px solid rgba(20,35,31,.08);background:rgba(251,250,246,.86);backdrop-filter:blur(16px);position:sticky;top:0;z-index:20}
.brand{text-decoration:none;font-weight:900;letter-spacing:.13em}.brand span{display:block;font-size:.65rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}nav{display:flex;gap:28px}nav a{text-decoration:none;color:var(--muted);font-size:.9rem;font-weight:650}
.hero{max-width:1400px;margin:auto;padding:76px 28px 58px;display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:center;min-height:620px}.eyebrow,.live-kicker,.step-label{font-size:.72rem;letter-spacing:.16em;font-weight:800;color:var(--sage-dark)}.hero h1{font-family:Georgia,"Times New Roman",serif;font-weight:500;font-size:clamp(3rem,5.3vw,5.7rem);line-height:.98;margin:18px 0 26px}.hero h1 em{font-weight:500;color:var(--sage-dark)}.hero-copy>p{max-width:760px;font-size:1.12rem;color:var(--muted)}
.hero-actions,.report-actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.btn{border-radius:999px;padding:13px 20px;border:1px solid var(--line);font-weight:800;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;justify-content:center}.btn.primary{background:var(--ink);color:#fff;border-color:var(--ink)}.btn.ghost{background:rgba(255,255,255,.65);color:var(--ink)}.trust-row{display:flex;flex-wrap:wrap;gap:10px;color:var(--muted);font-size:.85rem}.trust-row span{background:#fff;border:1px solid var(--line);padding:7px 10px;border-radius:999px}
.hero-visual{height:430px;position:relative;display:grid;place-items:center}.orb{position:absolute;border-radius:50%;filter:blur(3px)}.orb.one{width:330px;height:330px;background:radial-gradient(circle at 35% 30%,#dbe9df,#95b6a6 52%,#4a6f62);box-shadow:0 35px 80px rgba(65,101,88,.25)}.orb.two{width:180px;height:180px;right:2%;top:2%;background:radial-gradient(circle at 40% 35%,#f4e9d5,#d0ae78 65%,#9e7744);opacity:.65}
.hero-card{position:relative;width:min(390px,92%);background:rgba(255,255,255,.83);backdrop-filter:blur(18px);border:1px solid rgba(255,255,255,.7);border-radius:28px;box-shadow:var(--shadow);padding:28px}.hero-card small{font-weight:800;color:var(--sage-dark);letter-spacing:.12em}.hero-card strong{display:block;font-family:Georgia,serif;font-size:3.4rem;margin-top:12px}.hero-card span,.hero-card p{color:var(--muted)}.mini-progress{height:9px;border-radius:10px;background:#e3e9e5;margin:20px 0;overflow:hidden}.mini-progress i{display:block;height:100%;width:5%;background:linear-gradient(90deg,var(--gold),var(--sage-dark));border-radius:inherit;transition:.3s}
.planner-shell{max-width:1400px;margin:0 auto;padding:24px 28px 60px;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(380px,.9fr);gap:28px;align-items:start}.form-column,.live-panel{background:rgba(255,255,255,.82);border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow)}.form-column{padding:24px}.live-panel{padding:24px;position:sticky;top:96px}
.step-nav{display:grid;grid-template-columns:repeat(6,1fr);gap:7px;padding-bottom:20px;border-bottom:1px solid var(--line)}.step-nav button{border:0;background:#f1f3ef;border-radius:16px;padding:10px 7px;color:var(--muted);font-weight:800;cursor:pointer}.step-nav button span{display:block;font-size:.68rem;font-weight:600}.step-nav button.active{background:var(--ink);color:#fff}
.form-step{display:none;padding:28px 4px 8px}.form-step.active{display:block}.section-head{margin-bottom:24px}.section-head h2,.section-title h2,.ai-section h2,.report-section h2{font-family:Georgia,serif;font-weight:500;font-size:2.25rem;line-height:1.08;margin:8px 0}.section-head p,.section-title p,.ai-section p,.report-section p{color:var(--muted);max-width:760px}.grid{display:grid;gap:15px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}label{display:flex;flex-direction:column;gap:7px;font-weight:750;font-size:.88rem;margin-bottom:15px}input,select{width:100%;padding:13px 14px;border:1px solid #d8ddd6;border-radius:14px;background:#fff;color:var(--ink);outline:none}input:focus,select:focus{border-color:var(--sage);box-shadow:0 0 0 4px rgba(117,148,134,.12)}
.explain{background:var(--sage-soft);border-radius:16px;padding:15px 16px;display:flex;gap:12px;align-items:center;color:var(--muted);font-size:.88rem}.explain strong{color:var(--ink);white-space:nowrap}.explain.accent{background:#f5ecdc}.loan-card{border:1px solid var(--line);border-radius:18px;padding:16px;margin-bottom:14px;background:#fcfcfa}.loan-card h3{margin:0 0 9px}.loan-card.warn{border-color:#ead2cc;background:#fff9f7}.micro-save{margin-top:18px;padding:18px;border-radius:18px;background:linear-gradient(135deg,#eef3ef,#f6efe2)}.micro-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.micro-result{font-family:Georgia,serif;font-size:1.15rem;color:var(--sage-dark)}.form-actions{display:flex;justify-content:space-between;padding-top:20px}
.metric-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0 16px}.metric{background:#f5f6f2;border-radius:16px;padding:14px}.metric span{font-size:.75rem;color:var(--muted);display:block}.metric strong{font-size:1.25rem}.metric.highlight{background:var(--ink);color:#fff}.metric.highlight span{color:#cdd7d2}.chart-card{border:1px solid var(--line);border-radius:18px;padding:14px;margin-top:12px;background:#fff}.chart-head{display:flex;align-items:center;justify-content:space-between}.chart-head h3{font-size:.95rem;margin:0}.chart-head span{font-size:.75rem;color:var(--muted)}.chart-card canvas{max-height:230px}
.health-card{display:grid;grid-template-columns:105px 1fr;gap:15px;align-items:center;margin-top:14px;background:linear-gradient(135deg,#f7f2e8,#edf3ef);padding:16px;border-radius:20px}.health-card h3{margin:5px 0}.health-card p{margin:0;color:var(--muted);font-size:.8rem}.score-ring{position:relative;width:100px;height:100px;display:grid;place-items:center}.score-ring svg{width:100%;height:100%;transform:rotate(-90deg)}.score-ring circle{fill:none;stroke:#dfe4dd;stroke-width:9}.score-ring .arc{stroke:var(--sage-dark);stroke-linecap:round;stroke-dasharray:264;stroke-dashoffset:264;transition:.35s}.score-ring strong{position:absolute;font-family:Georgia,serif;font-size:2rem}.quick-insights{display:grid;gap:9px;margin-top:14px}.insight{padding:12px 14px;border-left:3px solid var(--sage);background:#f6f7f4;border-radius:0 12px 12px 0;font-size:.84rem}.insight strong{display:block}.insight.warn{border-left-color:var(--rose);background:#fff7f5}
.scenario-section,.action-section,.resources-section,.report-section,.ai-section{max-width:1400px;margin:0 auto;padding:72px 28px}.section-title{max-width:850px;margin-bottom:28px}.scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.scenario-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:0 12px 35px rgba(32,51,45,.06)}.scenario-card strong{font-family:Georgia,serif;font-size:1.45rem}.scenario-card input{padding:0}.scenario-card b{font-size:1.25rem;color:var(--sage-dark)}.scenario-card small{color:var(--muted)}
.action-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.action-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px}.action-card .rank{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--sand);font-weight:900}.action-card h3{margin:14px 0 7px}.action-card p{color:var(--muted);font-size:.88rem}.action-card .impact{display:inline-block;background:var(--sage-soft);color:var(--sage-dark);font-size:.72rem;font-weight:850;padding:6px 9px;border-radius:999px}
.ai-section{display:grid;grid-template-columns:1fr .8fr;gap:40px;background:linear-gradient(135deg,rgba(230,236,231,.85),rgba(246,238,224,.75));border-radius:34px}.privacy-note{margin-top:20px;background:rgba(255,255,255,.7);padding:15px;border-radius:15px;color:var(--muted);font-size:.87rem}.ai-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:22px;box-shadow:var(--shadow)}.ai-status{display:flex;align-items:center;gap:9px;margin-bottom:18px;font-size:.83rem;color:var(--muted)}.ai-status i{width:9px;height:9px;border-radius:50%;background:var(--gold)}.small{font-size:.78rem;color:var(--muted)}.ai-result{margin-top:16px;padding:16px;background:#f6f7f4;border-radius:16px;white-space:pre-wrap;font-size:.88rem}
.resource-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.resource-grid a{text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;transition:.2s}.resource-grid a:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(32,51,45,.07)}.resource-grid strong{display:block;margin-bottom:7px}.resource-grid span{font-size:.82rem;color:var(--muted)}
.report-section{display:grid;grid-template-columns:1fr .8fr;gap:48px;align-items:center}.report-preview{display:grid;place-items:center}.paper{width:340px;aspect-ratio:1/1.414;background:#fff;box-shadow:0 24px 70px rgba(32,51,45,.15);padding:35px;border:1px solid #e8e5dd;position:relative;overflow:hidden}.paper:before{content:"";position:absolute;width:220px;height:220px;border-radius:50%;right:-110px;top:-90px;background:linear-gradient(135deg,#ccdccf,#b69c72);opacity:.65}.paper small{letter-spacing:.14em;font-weight:850;color:var(--sage-dark);position:relative}.paper h3{font-family:Georgia,serif;font-size:2rem;font-weight:500;margin:35px 0 5px;position:relative}.paper p{color:var(--muted);position:relative}.paper-number{margin-top:70px;padding-top:16px;border-top:1px solid var(--line)}.paper-number span{display:block;color:var(--muted);font-size:.8rem}.paper-number strong{font-family:Georgia,serif;font-size:2.2rem}.paper-bars{display:flex;gap:6px;align-items:end;height:58px;margin-top:20px}.paper-bars i{display:block;flex:1;background:var(--sage);border-radius:6px}.paper-bars i:nth-child(1){height:35%}.paper-bars i:nth-child(2){height:58%}.paper-bars i:nth-child(3){height:76%}.paper-bars i:nth-child(4){height:100%;background:var(--gold)}
.disclaimer{max-width:1344px;margin:0 auto 60px;padding:18px 20px;background:#f0ede5;border:1px solid #ded8ca;border-radius:15px;color:#5d625e;font-size:.82rem}
footer{border-top:1px solid var(--line);padding:28px max(28px,calc((100vw - 1400px)/2));display:flex;justify-content:space-between;color:var(--muted);font-size:.83rem}.report-document{position:fixed;left:-200vw;top:0;width:794px;background:white}
@media(max-width:1000px){nav{display:none}.hero,.planner-shell,.ai-section,.report-section{grid-template-columns:1fr}.hero{padding-top:45px}.hero-visual{height:330px}.planner-shell{padding-top:10px}.live-panel{position:static}.scenario-grid,.action-grid{grid-template-columns:1fr}.resource-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.site-header{height:66px}.hero,.planner-shell,.scenario-section,.action-section,.resources-section,.report-section,.ai-section{padding-left:16px;padding-right:16px}.hero h1{font-size:3rem}.hero-visual{display:none}.form-column,.live-panel{padding:16px;border-radius:20px}.step-nav{overflow-x:auto;grid-template-columns:repeat(6,72px)}.step-nav button span{display:none}.grid.two,.grid.three,.metric-grid,.micro-row,.resource-grid{grid-template-columns:1fr}.section-head h2,.section-title h2,.ai-section h2,.report-section h2{font-size:1.85rem}.paper{width:300px}footer{padding:22px 16px;gap:15px;flex-direction:column}}
@media print{.site-header,.hero,.planner-shell,.scenario-section,.action-section,.ai-section,.resources-section,.report-section,.disclaimer,footer{display:none!important}.report-document{position:static;left:0;width:auto}.report-page{page-break-after:always;min-height:100vh;padding:12mm}.report-page:last-child{page-break-after:auto}}

/* ===== Money Planner 3.0 additions ===== */
.hidden-compat{position:absolute;width:1px;height:1px;overflow:hidden;opacity:0}.site-header .compact{padding:9px 15px}.brand{display:grid;grid-template-columns:auto auto;column-gap:8px;align-items:center;letter-spacing:.04em}.brand-bars{grid-row:1/3;display:flex;align-items:end;gap:2px;height:25px}.brand-bars i{width:5px;border-radius:2px 2px 0 0;background:var(--sage-dark)}.brand-bars i:nth-child(1){height:9px;background:var(--gold)}.brand-bars i:nth-child(2){height:15px}.brand-bars i:nth-child(3){height:22px;background:#2f6d58}.brand-bars i:nth-child(4){height:18px;background:#668a75}.brand b{font-size:1.15rem;line-height:1}.brand small{font-size:.55rem;letter-spacing:.08em;color:var(--ink)}
.hero-v3{grid-template-columns:.95fr 1.05fr;min-height:650px;background:radial-gradient(circle at 22% 22%,rgba(229,239,231,.8),transparent 27%),radial-gradient(circle at 88% 12%,rgba(244,229,203,.7),transparent 24%);border-radius:34px;margin-top:28px}.privacy-pill{display:inline-flex;gap:7px;align-items:center;background:#dff1df;color:#275a45;padding:8px 12px;border-radius:999px;font-size:.78rem;margin-bottom:20px}.privacy-copy{font-size:.8rem!important;max-width:740px!important;background:rgba(255,255,255,.58);padding:11px 13px;border-radius:13px}.hero-dashboard{background:rgba(255,255,255,.83);border:1px solid rgba(219,222,213,.85);border-radius:25px;padding:18px;box-shadow:var(--shadow)}.dash-title{font-weight:850;margin-bottom:12px}.hero-metrics{grid-template-columns:repeat(4,1fr)}.hero-metrics .metric strong{font-size:1rem}.hero-chart-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.hero-tip{background:#f6eee2;border-radius:10px;padding:9px 12px;margin-top:10px;font-size:.76rem;color:#765b37;text-align:center}
.resource-strip,.stories,.crisis-section,.commitment,.sell-section,.personal-help,.privacy-section{max-width:1400px;margin:0 auto;padding:56px 28px}.strip-head{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:22px}.strip-head h2{font-family:Georgia,serif;font-size:2.2rem;font-weight:500;margin:6px 0}.strip-head p{margin:0;color:var(--muted)}.strip-head>a{font-weight:800;text-decoration:none;color:var(--sage-dark)}
.visual-resources{grid-template-columns:repeat(4,1fr)}.visual-resources a,.resources-section .resource-grid a{display:grid;grid-template-columns:52px 1fr;gap:12px;align-items:start}.visual-resources b{display:block;color:var(--sage-dark);font-size:.75rem;margin-top:10px}.brand-mark{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;font-weight:950;color:#fff;font-size:1rem;box-shadow:inset 0 0 0 1px rgba(255,255,255,.3)}.brand-mark.finance{background:linear-gradient(135deg,#4f46a3,#7469d0)}.brand-mark.tax{background:linear-gradient(135deg,#191d1d,#59635e)}.brand-mark.nav{background:linear-gradient(135deg,#c71f2c,#e34c58);font-size:.7rem}.brand-mark.pension{background:linear-gradient(135deg,#1c6475,#2e91a6)}.brand-mark.consume{background:#398c73}.brand-mark.debt{background:#6b5b88}.brand-mark.home{background:#ad7f3a}.brand-mark.brreg{background:#496c87}
.stories{padding-top:35px}.story-grid{display:grid;grid-template-columns:repeat(3,1fr) .8fr;gap:14px}.story-grid article,.story-grid aside{background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px}.story-grid article p{color:var(--muted);font-size:.86rem}.story-icon{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--sage-soft);font-weight:900;color:var(--sage-dark)}.story-grid aside{background:linear-gradient(145deg,#e6f0e7,#f4ead9);display:flex;flex-direction:column;justify-content:center;text-align:center}.story-grid aside strong{font-family:Georgia,serif;font-size:1.35rem}.story-grid aside span{color:var(--muted)}.mountain{font-size:5rem;color:#8ba897;line-height:1;position:relative;margin-top:15px}.mountain i{font-size:1.1rem;position:absolute;top:2px;left:57%;font-style:normal}
.intro-head{padding:10px 4px 0}.planner-shell{padding-top:35px}.aside-metrics{grid-template-columns:1fr 1fr}
.crisis-section{background:linear-gradient(180deg,#fbf8f1,#f5f6f1);border-radius:34px}.crisis-hero{max-width:900px}.crisis-hero h2{font-family:Georgia,serif;font-size:3rem;font-weight:500;margin:8px 0}.crisis-hero p{font-size:1.06rem;color:var(--muted)}.crisis-rule{margin:22px 0;background:#fff;border:1px solid var(--line);padding:15px 18px;border-radius:15px;font-size:1rem}.crisis-steps{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:26px 0}.crisis-steps article{display:grid;grid-template-columns:44px 1fr;gap:12px;background:#fff;padding:17px;border-radius:16px;border:1px solid var(--line)}.crisis-steps article>b{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:#f0e3cc}.crisis-steps h3{margin:0}.crisis-steps p{margin:5px 0 0;color:var(--muted);font-size:.84rem}.help-cards{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}.help-cards a{text-decoration:none;background:#fff;border:1px solid var(--line);padding:17px;border-radius:16px;display:flex;flex-direction:column;gap:6px}.help-icon{width:36px;height:36px;display:grid;place-items:center;border-radius:50%;background:var(--sage-soft);font-weight:900}.help-cards b{font-size:1.1rem;color:var(--sage-dark)}.help-cards span{font-size:.75rem;color:var(--muted)}.source-note{font-size:.7rem;color:var(--muted);margin-top:12px}
.commit-grid{display:grid;grid-template-columns:1fr .75fr;gap:26px}.commit-list{display:grid;gap:9px}.commit-list label{display:grid;grid-template-columns:auto 1fr;align-items:start;background:#fff;border:1px solid var(--line);padding:14px;border-radius:13px;margin:0}.commit-list input{width:20px;height:20px;margin:1px 8px 0 0}.commit-card{background:linear-gradient(135deg,#e8f2e9,#f5ead8);padding:24px;border-radius:22px}.commit-card h3{font-family:Georgia,serif;font-size:1.6rem;margin:0 0 8px}.commit-card .btn{margin:6px 5px 6px 0}.commit-output{background:white;border-radius:14px;padding:15px;margin-top:14px;white-space:pre-wrap;font-size:.85rem}
.sell-section{display:grid;grid-template-columns:.75fr 1.25fr;gap:40px;background:linear-gradient(135deg,#f4eee2,#eef3ef);border-radius:34px}.sell-copy h2{font-family:Georgia,serif;font-size:3rem;font-weight:500;line-height:1.03}.sell-copy p{color:var(--muted)}.sell-note{padding:16px;background:rgba(255,255,255,.65);border-radius:14px;font-weight:750;color:var(--sage-dark)}.sell-tool{background:#fff;border:1px solid var(--line);border-radius:24px;padding:22px;box-shadow:var(--shadow)}.upload-box{border:1.5px dashed #aab7af;border-radius:18px;padding:24px;text-align:center;cursor:pointer;background:#f7f9f6}.upload-box input{display:none}.upload-box strong,.upload-box span{display:block}.upload-box span{color:var(--muted);font-size:.8rem}.sell-preview{display:flex;gap:8px;flex-wrap:wrap;margin:10px 0}.sell-preview img{width:82px;height:82px;object-fit:cover;border-radius:12px;border:1px solid var(--line)}textarea{width:100%;border:1px solid #d8ddd6;border-radius:14px;padding:13px 14px;font:inherit;resize:vertical}.ad-result{margin-top:20px;border-top:1px solid var(--line);padding-top:18px}.price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.price-grid div{background:#f5f6f2;border-radius:14px;padding:12px}.price-grid span{display:block;color:var(--muted);font-size:.75rem}.price-grid strong{font-size:1.2rem}
.personal-help{background:#0f342c;color:#f5fbf8;border-radius:34px}.help-profile{display:grid;grid-template-columns:90px 1fr;gap:20px;align-items:start}.profile-avatar{width:80px;height:80px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,#d6e8da,#bea773);color:#17362e;font-weight:900;font-size:1.35rem;border:4px solid rgba(255,255,255,.22)}.personal-help .eyebrow{color:#bcdacb}.personal-help h2{font-family:Georgia,serif;font-size:2.6rem;font-weight:500;margin:8px 0}.personal-help p{color:#cbd9d4}.personal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}.personal-grid article{padding:20px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:17px}.personal-grid h3{margin-top:0}.personal-grid .btn.primary{background:#f4f0e6;color:#17362e;border-color:#f4f0e6;font-size:.78rem}
.privacy-section{display:grid;grid-template-columns:1fr 1fr;gap:16px}.privacy-section>div{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}.privacy-section>div>span{font-size:1.5rem}.privacy-section p{color:var(--muted)}
footer{display:grid;grid-template-columns:1.4fr 1fr 1fr .7fr;gap:25px;background:#0b2b25;color:#dce9e4;border:0;padding-top:35px;padding-bottom:35px}footer p{margin:8px 0;color:#aebfba;font-size:.78rem}footer a{color:#e9f5f0}.footer-brand{color:#fff;width:max-content}.footer-brand small{color:#c6d9d2}
@media(max-width:1100px){.hero-v3{grid-template-columns:1fr}.visual-resources,.story-grid{grid-template-columns:1fr 1fr}.help-cards{grid-template-columns:repeat(3,1fr)}.sell-section{grid-template-columns:1fr}.personal-grid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.hero-v3{margin:10px 8px 0;padding:35px 18px}.hero-chart-grid,.hero-metrics,.visual-resources,.story-grid,.crisis-steps,.help-cards,.commit-grid,.personal-grid,.privacy-section,footer{grid-template-columns:1fr}.resource-strip,.stories,.crisis-section,.commitment,.sell-section,.personal-help,.privacy-section{padding-left:16px;padding-right:16px}.crisis-section,.sell-section,.personal-help{border-radius:0}.sell-copy h2,.crisis-hero h2{font-size:2.3rem}.help-profile{grid-template-columns:1fr}.profile-avatar{width:64px;height:64px}.price-grid{grid-template-columns:1fr}.strip-head{align-items:start;flex-direction:column}.visual-resources a,.resources-section .resource-grid a{grid-template-columns:45px 1fr}.brand-mark{width:44px;height:44px}.personal-help h2{font-size:2rem}}

/* ===== Money Planner 3.1 ===== */
.header-actions{display:flex;align-items:center;gap:10px}.lang-switch{display:flex;border:1px solid var(--line);border-radius:999px;padding:3px;background:#fff}.lang-switch button{border:0;background:transparent;padding:5px 8px;border-radius:999px;font-size:.7rem;font-weight:900;cursor:pointer;color:var(--muted)}.lang-switch button.active{background:var(--ink);color:#fff}
.field-callout{background:#fff4dc;border:1px solid #ead9ad;border-radius:14px;padding:12px 14px;margin-bottom:16px;color:#6e5933;font-size:.85rem}.form-step label small{font-weight:500;color:var(--muted);font-size:.72rem}.income-total{display:flex;justify-content:space-between;align-items:center;background:linear-gradient(135deg,#e9f2eb,#f6efe2);padding:16px;border-radius:16px;margin-top:10px}.income-total span{font-weight:800}.income-total strong{font-family:Georgia,serif;font-size:1.5rem}.plausibility{color:#9a5d24!important;background:#fff4dc;padding:7px 9px;border-radius:9px}
.help-teaser{max-width:1344px;margin:45px auto;padding:25px 28px;border:1px solid #ddd8cc;background:linear-gradient(135deg,#f7f3e9,#eef3ef);border-radius:22px;display:flex;justify-content:space-between;align-items:center;gap:30px}.help-teaser h2{font-family:Georgia,serif;font-size:2rem;font-weight:500;margin:6px 0}.help-teaser p{color:var(--muted);max-width:800px}
.bank-guide{max-width:1400px;margin:0 auto;padding:72px 28px}.bank-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:16px}.bank-grid article{background:#fff;border:1px solid var(--line);border-radius:20px;padding:21px}.bank-grid h3{font-family:Georgia,serif;font-size:1.45rem}.bank-grid p,.bank-grid li{color:var(--muted);font-size:.85rem}.bank-profile{background:#f5f6f2;border-radius:14px;padding:13px;margin:15px 0}.bank-profile label{margin:0 0 8px}.bank-profile div{font-size:.78rem;color:var(--muted)}
.kids-section{max-width:1400px;margin:70px auto;padding:45px 28px;display:grid;grid-template-columns:.65fr 1.35fr;gap:36px;background:linear-gradient(135deg,#fff6d9,#e9f5ed 58%,#e8eff9);border-radius:34px}.kids-badge{display:inline-block;background:#fff;border-radius:999px;padding:7px 10px;font-size:.72rem;font-weight:900;color:#715f2d}.kids-intro h2{font-family:Georgia,serif;font-size:3rem;font-weight:500;line-height:1;margin:16px 0}.kids-intro p{color:var(--muted)}.kid-art{font-size:6rem;position:relative;margin-top:25px}.kid-art span{font-size:2rem;position:absolute;top:0;left:120px}.kid-art i{font-style:normal;font-size:3rem;position:absolute;bottom:0;left:165px}.kids-tool{background:rgba(255,255,255,.87);border:1px solid rgba(255,255,255,.8);padding:22px;border-radius:23px;box-shadow:var(--shadow)}.kid-progress{height:16px;background:#e8ebe4;border-radius:999px;overflow:hidden;margin:10px 0}.kid-progress i{display:block;height:100%;width:0;background:linear-gradient(90deg,#e9bb55,#6aa889);transition:.3s}.kids-result{padding:14px;margin:14px 0;background:#fff8e9;border-radius:14px}.parent-corner{border-top:1px solid var(--line);padding-top:17px;margin-top:15px}.kid-job{display:grid;grid-template-columns:auto 35px 1fr 100px;gap:8px;align-items:center;background:#f7f8f4;border-radius:11px;padding:8px;margin-bottom:7px}.kid-job>input[type=checkbox]{width:18px;height:18px}.kid-job>input[type=number]{padding:7px 9px}.kid-job span{font-size:1.25rem}.kid-job b{font-size:.78rem}
.ai-consent{display:grid!important;grid-template-columns:auto 1fr;gap:10px;align-items:start;background:#f5f6f2;padding:12px;border-radius:12px;font-size:.77rem!important;margin:12px 0!important}.ai-consent input{width:18px;height:18px;margin-top:2px}
.ai-privacy-explain{max-width:1400px;margin:0 auto;padding:55px 28px}.privacy-ai-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.privacy-ai-grid article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:19px}.privacy-ai-grid p{color:var(--muted);font-size:.85rem}
.help-page-hero,.help-priority,.help-action,.help-90,.help-mental{max-width:1200px;margin:0 auto;padding:60px 28px}.help-page-hero h1{font-family:Georgia,serif;font-size:clamp(3rem,6vw,5rem);font-weight:500;line-height:1.02}.help-page-hero em{color:var(--sage-dark);font-weight:500}.help-page-hero p{color:var(--muted);font-size:1.08rem;max-width:850px}.priority-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.priority-grid article{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;font-size:1.5rem}.priority-grid strong,.priority-grid span{display:block}.priority-grid strong{font-size:1rem;margin:8px 0}.priority-grid span{font-size:.78rem;color:var(--muted)}.help-action{background:#f5f6f1;border-radius:30px}.help-action .help-cards{grid-template-columns:repeat(3,1fr)}.week-plan{display:grid;gap:8px;padding:0;list-style:none}.week-plan li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px}.help-mental .help-cards{grid-template-columns:1fr 1fr}
@media(max-width:900px){.bank-grid,.kids-section,.privacy-ai-grid{grid-template-columns:1fr}.priority-grid{grid-template-columns:1fr 1fr}.help-teaser{align-items:flex-start;flex-direction:column}.kid-art{display:none}.help-action .help-cards{grid-template-columns:1fr}.header-actions .compact{display:none}}
@media(max-width:600px){.priority-grid,.help-mental .help-cards{grid-template-columns:1fr}.kid-job{grid-template-columns:auto 30px 1fr}.kid-job>input[type=number]{grid-column:3}.kids-section{margin:30px 0;border-radius:0}.kids-intro h2{font-size:2.3rem}}

/* ===== Money Planner 4.0 – dark green/gold first draft ===== */
.money-v4{
  --ink:#f6f2e9;--muted:#a9bbb4;--paper:#061d19;--card:#0b2b25;--line:rgba(224,236,229,.14);
  --sage:#5fd58b;--sage-dark:#80e2a5;--sage-soft:rgba(54,122,88,.22);--sand:#b9913d;--gold:#efbd55;
  --navy:#0d2521;--rose:#ff625b;--shadow:0 24px 70px rgba(0,0,0,.34);
  background:
    radial-gradient(circle at 82% 8%,rgba(199,151,61,.12),transparent 24%),
    radial-gradient(circle at 22% 18%,rgba(16,94,72,.16),transparent 28%),
    linear-gradient(180deg,#031613,#06211c 55%,#031713);
  color:var(--ink);
}
.money-v4 .site-header{background:rgba(3,22,19,.93);border-color:rgba(255,255,255,.08);backdrop-filter:blur(20px)}
.v4-header{height:auto!important;min-height:86px;display:grid!important;grid-template-columns:220px 1fr auto;grid-template-rows:auto auto;gap:8px 18px;padding-top:12px!important;padding-bottom:10px!important}
.v4-header .brand{grid-row:1/3}.v4-header nav{grid-column:2/4;grid-row:2;display:flex!important;gap:8px!important;background:rgba(255,255,255,.035);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:5px 7px}.v4-header nav a{color:#e8efec!important;padding:8px 11px;border-radius:10px}.v4-header nav a:first-child{background:rgba(237,189,85,.12);color:var(--gold)!important;box-shadow:inset 0 -2px var(--gold)}
.v4-header .header-actions{grid-column:3;grid-row:1}.top-info{grid-column:2;grid-row:1;display:flex;gap:9px;align-items:center}.top-info-item{display:flex;gap:9px;align-items:center;padding:7px 11px;border-right:1px solid rgba(255,255,255,.1);color:#fff}.top-info-item>span{font-size:1.2rem}.top-info-item strong{display:block;font-size:.82rem;white-space:nowrap}.top-info-item small{display:block;color:#b6c4bf;font-size:.66rem}.weather-button{background:transparent;border:0;cursor:pointer;text-align:left}.weather-button:hover{background:rgba(255,255,255,.05);border-radius:12px}.weather-button #topWeatherTemp{color:var(--gold)}
.money-v4 .brand b{color:#f1bf59}.money-v4 .brand small{color:#fff}.money-v4 .brand-bars i{background:#6dd495}.money-v4 .brand-bars i:nth-child(1){background:#d5a449}
.money-v4 .lang-switch{background:#06241e;border-color:rgba(255,255,255,.17)}.money-v4 .lang-switch button{color:#cbd7d2}.money-v4 .lang-switch button.active{background:#fff;color:#071c18}
.money-v4 .btn.primary{background:linear-gradient(180deg,#ffd777,#e8ad35);color:#142119;border-color:#f6c55c;box-shadow:0 9px 24px rgba(234,177,61,.16)}.money-v4 .btn.ghost{background:rgba(255,255,255,.025);color:#f3f7f5;border-color:rgba(255,255,255,.24)}
.money-v4 .hero-v3{background:transparent;border-radius:0;min-height:560px;padding-top:48px;padding-bottom:35px}.money-v4 .hero h1,.money-v4 .section-head h2,.money-v4 .section-title h2,.money-v4 .report-section h2,.money-v4 .ai-section h2,.money-v4 .personal-help h2{color:#fff}.money-v4 .hero h1 em{color:var(--gold)}.money-v4 .hero-copy>p,.money-v4 .section-head p,.money-v4 .section-title p,.money-v4 .ai-section p,.money-v4 .report-section p{color:#b8c7c1}.money-v4 .privacy-pill{background:rgba(66,160,107,.15);color:#8ee6ae;border:1px solid rgba(94,213,139,.2)}.money-v4 .privacy-copy{background:rgba(255,255,255,.035);border:1px solid rgba(255,255,255,.08)}
.money-v4 .hero-dashboard,.money-v4 .form-column,.money-v4 .live-panel,.money-v4 .chart-card,.money-v4 .resource-grid a,.money-v4 .visual-resources a,.money-v4 .scenario-card,.money-v4 .action-card,.money-v4 .bank-grid article,.money-v4 .kids-tool,.money-v4 .sell-tool,.money-v4 .privacy-ai-grid article,.money-v4 .privacy-section>div{background:rgba(8,42,35,.76)!important;border-color:rgba(255,255,255,.1)!important;color:#f4f7f5}
.money-v4 .metric{background:rgba(255,255,255,.045);color:#f7faf8}.money-v4 .metric span{color:#a9bbb4}.money-v4 .metric.highlight{background:rgba(17,72,59,.9)}.money-v4 .chart-card canvas{filter:saturate(1.12)}
.money-v4 .resource-strip,.money-v4 .stories,.money-v4 .scenario-section,.money-v4 .action-section,.money-v4 .resources-section,.money-v4 .report-section,.money-v4 .ai-privacy-explain,.money-v4 .bank-guide,.money-v4 .commitment{position:relative;z-index:2}
.money-v4 .resource-strip h2,.money-v4 .stories h2,.money-v4 .bank-guide h2{color:#fff}.money-v4 .resource-grid span,.money-v4 .visual-resources span,.money-v4 .action-card p,.money-v4 .scenario-card small,.money-v4 .bank-grid p,.money-v4 .bank-grid li{color:#aebdb7}
.money-v4 .explain,.money-v4 .field-callout,.money-v4 .income-total,.money-v4 .micro-save,.money-v4 .bank-profile,.money-v4 .kids-result,.money-v4 .parent-corner,.money-v4 .privacy-note{background:rgba(239,189,85,.07);border:1px solid rgba(239,189,85,.18);color:#d8dfdb}
.money-v4 input,.money-v4 select,.money-v4 textarea{background:#061d18;color:#f4f7f5;border-color:rgba(255,255,255,.14)}.money-v4 input::placeholder,.money-v4 textarea::placeholder{color:#7f938b}
.money-v4 .step-nav{border-color:rgba(255,255,255,.08)}.money-v4 .step-nav button{background:rgba(255,255,255,.045);color:#a9bbb4}.money-v4 .step-nav button.active{background:linear-gradient(180deg,#d5a74a,#9a7427);color:#fff}
.money-v4 .story-grid article{background:rgba(8,42,35,.72);border-color:rgba(255,255,255,.1);color:#fff}.money-v4 .story-grid article p{color:#abbab5}.money-v4 .story-grid aside{background:linear-gradient(145deg,rgba(26,82,64,.8),rgba(108,81,31,.58))}
.money-v4 .ai-section,.money-v4 .sell-section,.money-v4 .kids-section,.money-v4 .personal-help{background:linear-gradient(135deg,rgba(7,46,37,.96),rgba(17,58,45,.92) 55%,rgba(65,49,20,.6));border:1px solid rgba(239,189,85,.14)}
.money-v4 .kids-section{background:linear-gradient(135deg,#112e25,#1c4d39 58%,#553f1c)}.money-v4 .kids-badge{background:rgba(239,189,85,.16);color:#ffd77c}.money-v4 .kid-job{background:rgba(255,255,255,.04)}
.money-v4 .paper{background:#f8f5ed;color:#172620}.money-v4 .paper h3{color:#172620}
.money-v4 .help-teaser{background:linear-gradient(135deg,rgba(17,66,51,.78),rgba(80,59,23,.68));border-color:rgba(239,189,85,.16)}.money-v4 .help-teaser h2{color:#fff}.money-v4 .help-teaser p{color:#c5d0cc}
.money-v4 .disclaimer{background:#0b2c25;color:#b7c5bf;border-color:rgba(255,255,255,.1)}
.money-v4 footer{background:#021411;color:#dfe9e5}.money-v4 footer p{color:#9eb1a9}
.money-decor{position:fixed;z-index:0;right:0;bottom:0;width:min(390px,28vw);height:52vh;background:url("../images/money-decor.jpg") right bottom/cover no-repeat;opacity:.38;filter:saturate(.85) contrast(1.05);mask-image:linear-gradient(to left,#000 56%,transparent 100%);-webkit-mask-image:linear-gradient(to left,#000 56%,transparent 100%);pointer-events:none}
.money-v4 main>section{position:relative;z-index:1}
.money-v4 .hero-tip{background:rgba(239,189,85,.08);border:1px solid rgba(239,189,85,.15);color:#f5c861}
.money-v4 .trust-row span{background:rgba(255,255,255,.025);border-color:rgba(94,213,139,.25);color:#bce7ca}
.money-v4 .score-ring circle{stroke:rgba(255,255,255,.09)}.money-v4 .score-ring .arc{stroke:#69d392}
.money-v4 .quick-insights .insight{background:rgba(255,255,255,.035);color:#d6dfdb}.money-v4 .quick-insights .insight.warn{background:rgba(255,98,91,.07)}
.money-v4 .price-grid div{background:rgba(255,255,255,.045)}.money-v4 .upload-box{background:rgba(255,255,255,.025);border-color:rgba(255,255,255,.22)}
.money-v4 .personal-help{background:linear-gradient(145deg,#05251f,#0b3c30)}.money-v4 .personal-grid article{background:rgba(255,255,255,.05)}
.money-v4 .help-page-hero h1,.money-v4 .help-priority h2,.money-v4 .help-action h2,.money-v4 .help-90 h2,.money-v4 .help-mental h2{color:#fff}.money-v4 .priority-grid article,.money-v4 .week-plan li,.money-v4 .help-cards a{background:#0a2d25;border-color:rgba(255,255,255,.1);color:#fff}.money-v4 .priority-grid span,.money-v4 .help-cards span{color:#aebdb7}.money-v4 .help-action{background:#082820}.money-v4 .crisis-rule{background:#0a3028;border-color:rgba(239,189,85,.15);color:#d9e3df}
@media(max-width:1100px){.v4-header{grid-template-columns:180px 1fr}.v4-header .header-actions{grid-column:2}.top-info{grid-column:2}.v4-header nav{grid-column:1/3}.money-decor{width:35vw;opacity:.22}}
@media(max-width:760px){.v4-header{grid-template-columns:1fr auto;grid-template-rows:auto auto auto}.v4-header .brand{grid-row:1;grid-column:1}.v4-header .header-actions{grid-row:1;grid-column:2}.top-info{grid-row:2;grid-column:1/3;overflow-x:auto;width:100%}.v4-header nav{grid-row:3;grid-column:1/3;overflow-x:auto}.top-info-item{flex:0 0 auto}.money-decor{display:none}}

/* ===== Money Planner 4.1 – form contrast/accessibility fix ===== */

/* Keep every form surface dark in dark mode */
.money-v4 .loan-card,
.money-v4 .loan-card.warn,
.money-v4 .form-step,
.money-v4 .form-column,
.money-v4 .live-panel,
.money-v4 .micro-save,
.money-v4 .income-total,
.money-v4 .explain,
.money-v4 .explain.accent,
.money-v4 .field-callout {
  background: rgba(7, 35, 30, .96) !important;
  color: #f8fbf9 !important;
  border-color: rgba(255,255,255,.14) !important;
}

/* Loan cards need their own visible headings */
.money-v4 .loan-card {
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.025);
}
.money-v4 .loan-card.warn {
  background: rgba(55, 24, 22, .72) !important;
  border-color: rgba(255, 121, 103, .28) !important;
}

/* Headings, labels and helper copy */
.money-v4 .loan-card h3,
.money-v4 .form-step h2,
.money-v4 .form-step h3,
.money-v4 .form-step label,
.money-v4 .form-step label > span,
.money-v4 .form-column label,
.money-v4 .form-column label > span,
.money-v4 .micro-save h3 {
  color: #ffffff !important;
}

.money-v4 .form-step label small,
.money-v4 .form-column label small,
.money-v4 .section-head p,
.money-v4 .explain span,
.money-v4 .field-callout,
.money-v4 .micro-result {
  color: #bcd0c8 !important;
}

/* Step kicker and important helper terms */
.money-v4 .step-label,
.money-v4 .eyebrow,
.money-v4 .live-kicker {
  color: #72e3a0 !important;
}

.money-v4 .explain strong,
.money-v4 .income-total strong,
.money-v4 .field-callout strong {
  color: #ffd36f !important;
}

/* Inputs: clearly separated from card background */
.money-v4 .form-column input,
.money-v4 .form-column select,
.money-v4 .form-column textarea,
.money-v4 .loan-card input,
.money-v4 .loan-card select,
.money-v4 .loan-card textarea {
  background: #021b16 !important;
  color: #ffffff !important;
  border: 1px solid #31594d !important;
  box-shadow: none !important;
  caret-color: #ffd36f;
}

.money-v4 .form-column input:focus,
.money-v4 .form-column select:focus,
.money-v4 .form-column textarea:focus,
.money-v4 .loan-card input:focus,
.money-v4 .loan-card select:focus,
.money-v4 .loan-card textarea:focus {
  border-color: #efbd55 !important;
  box-shadow: 0 0 0 3px rgba(239,189,85,.16) !important;
  outline: none !important;
}

.money-v4 input::placeholder,
.money-v4 textarea::placeholder {
  color: #7f9a90 !important;
  opacity: 1 !important;
}

/* Number inputs should be easy to scan */
.money-v4 .loan-card input,
.money-v4 .grid input {
  font-weight: 700;
}

/* White browser autofill must not destroy contrast */
.money-v4 input:-webkit-autofill,
.money-v4 input:-webkit-autofill:hover,
.money-v4 input:-webkit-autofill:focus,
.money-v4 textarea:-webkit-autofill,
.money-v4 select:-webkit-autofill {
  -webkit-text-fill-color: #ffffff !important;
  -webkit-box-shadow: 0 0 0 1000px #021b16 inset !important;
  transition: background-color 9999s ease-out 0s;
}

/* Health card: the previous light card became unreadable */
.money-v4 .health-card {
  background: linear-gradient(135deg,#0d3a30,#153f34) !important;
  color: #ffffff !important;
  border: 1px solid rgba(255,255,255,.12);
}
.money-v4 .health-card h3,
.money-v4 .health-card .live-kicker,
.money-v4 .health-card strong {
  color: #ffffff !important;
}
.money-v4 .health-card p {
  color: #bcd0c8 !important;
}
.money-v4 .score-ring strong {
  color: #ffffff !important;
}

/* KPI cards */
.money-v4 .live-panel .metric strong {
  color: #ffffff !important;
}
.money-v4 .live-panel .metric span {
  color: #b9cbc4 !important;
}

/* Quick insights */
.money-v4 .quick-insights .insight strong {
  color: #ffffff !important;
}

/* Better separation between form groups */
.money-v4 .loan-card,
.money-v4 .micro-save {
  margin-bottom: 16px;
}
.money-v4 .loan-card h3 {
  margin-bottom: 14px;
  font-size: 1.05rem;
}

/* Make selected step gold, inactive steps readable */
.money-v4 .step-nav button {
  color: #bed0c9 !important;
  border: 1px solid rgba(255,255,255,.06);
}
.money-v4 .step-nav button span {
  color: inherit !important;
}
.money-v4 .step-nav button.active {
  color: #0b221c !important;
  background: linear-gradient(180deg,#f1c563,#c28c24) !important;
  border-color: #efbd55 !important;
}
.money-v4 .step-nav button.active span {
  color: #0b221c !important;
}

/* Readability for explanation block below loans */
.money-v4 .loan-card + .explain,
.money-v4 .form-step .explain {
  background: rgba(239,189,85,.07) !important;
  border-color: rgba(239,189,85,.24) !important;
}

/* Small screen consistency */
@media(max-width:640px){
  .money-v4 .loan-card,
  .money-v4 .form-step {
    border-radius: 16px;
  }
}

/* ===== Money Planner 4.2 – commitment + kids refinements ===== */

/* Commitment section: remove accidental light cards in dark mode */
.money-v4 .commitment {
  background: transparent !important;
}
.money-v4 .commit-list label {
  background: #0a2e27 !important;
  color: #f7fbf9 !important;
  border: 1px solid rgba(255,255,255,.12) !important;
  box-shadow: none !important;
}
.money-v4 .commit-list label:hover {
  border-color: rgba(239,189,85,.35) !important;
  background: #0d372f !important;
}
.money-v4 .commit-list input[type="checkbox"] {
  accent-color: #efbd55;
}
.money-v4 .commit-card {
  background: linear-gradient(145deg,#0b342c,#153f34) !important;
  color: #ffffff !important;
  border: 1px solid rgba(239,189,85,.18) !important;
}
.money-v4 .commit-card h3 {
  color: #ffffff !important;
}
.money-v4 .commit-card p {
  color: #bcd0c8 !important;
}
.money-v4 .commit-output {
  background: #061f1a !important;
  color: #f7fbf9 !important;
  border: 1px solid rgba(255,255,255,.12) !important;
}

/* Kids section gets a warmer, friendlier panel without losing readability */
.money-v4 .kids-section {
  background:
    radial-gradient(circle at 10% 20%,rgba(255,211,111,.13),transparent 25%),
    radial-gradient(circle at 90% 10%,rgba(96,213,139,.13),transparent 27%),
    linear-gradient(135deg,#103228,#16493a 58%,#5c431b) !important;
}
.money-v4 .kids-tool {
  background: rgba(5,34,28,.92) !important;
  border-color: rgba(255,255,255,.12) !important;
}
.money-v4 .kids-tool label,
.money-v4 .kids-tool h3,
.money-v4 .kids-tool strong {
  color: #ffffff !important;
}
.money-v4 .kids-tool p,
.money-v4 .kids-tool .small {
  color: #bdd0c8 !important;
}
.money-v4 .kid-job {
  background: rgba(255,255,255,.045) !important;
  border: 1px solid rgba(255,255,255,.08);
}
.money-v4 .kid-job:hover {
  background: rgba(255,255,255,.075) !important;
  border-color: rgba(239,189,85,.22);
}
.money-v4 .kid-job b {
  color: #f6faf8 !important;
}
.money-v4 .kid-job input[type="number"] {
  background: #031c17 !important;
  color: #ffffff !important;
  border-color: #31594d !important;
}
.money-v4 .kids-result {
  background: rgba(239,189,85,.08) !important;
  color: #f7fbf9 !important;
  border: 1px solid rgba(239,189,85,.18);
}
.money-v4 .parent-corner {
  background: rgba(255,255,255,.025) !important;
  border-color: rgba(255,255,255,.09) !important;
}
.money-v4 .kid-progress {
  background: rgba(255,255,255,.10) !important;
}

/* ===== Money Planner 4.3 – missing sidebar fix ===== */
.money-v4 .v4-sidebar{
  position:fixed;
  inset:0 auto 0 0;
  width:238px;
  z-index:80;
  padding:24px 16px 18px;
  display:flex;
  flex-direction:column;
  background:
    radial-gradient(circle at 20% 10%,rgba(239,189,85,.08),transparent 22%),
    linear-gradient(180deg,#031b17 0%,#06241e 58%,#041a16 100%);
  border-right:1px solid rgba(255,255,255,.08);
  box-shadow:16px 0 50px rgba(0,0,0,.12);
}
.money-v4 .v4-side-brand{
  text-decoration:none;
  padding:0 12px 24px;
  border-bottom:1px solid rgba(255,255,255,.08);
  margin-bottom:18px;
}
.money-v4 .v4-side-brand strong{
  display:block;
  color:#efbd55;
  font-size:1.7rem;
  line-height:1;
  letter-spacing:.04em;
}
.money-v4 .v4-side-brand span{
  display:block;
  color:#fff;
  font-size:.72rem;
  font-weight:850;
  letter-spacing:.12em;
  margin-top:5px;
}
.money-v4 .v4-side-nav{
  display:grid;
  gap:5px;
}
.money-v4 .v4-side-nav a{
  display:grid;
  grid-template-columns:25px 1fr auto;
  align-items:center;
  gap:7px;
  min-height:43px;
  padding:9px 11px;
  color:#eff6f3;
  text-decoration:none;
  border-radius:10px;
  font-size:.82rem;
}
.money-v4 .v4-side-nav a>span{
  font-size:1.05rem;
  color:#f2f7f5;
  text-align:center;
}
.money-v4 .v4-side-nav a b{
  font-weight:700;
}
.money-v4 .v4-side-nav a i{
  font-style:normal;
  background:#2b8048;
  color:#dff7e6;
  border-radius:999px;
  padding:2px 7px;
  font-size:.6rem;
  font-weight:900;
}
.money-v4 .v4-side-nav a:hover{
  background:rgba(255,255,255,.055);
}
.money-v4 .v4-side-nav a.active{
  background:linear-gradient(90deg,rgba(181,135,35,.38),rgba(181,135,35,.16));
  color:#fff;
  box-shadow:inset 3px 0 #efbd55;
}
.money-v4 .v4-side-nav a.active>span{
  color:#efbd55;
}
.money-v4 .v4-side-links{
  margin-top:24px;
  padding:18px 10px 0;
  border-top:1px solid rgba(255,255,255,.08);
  display:grid;
  gap:3px;
}
.money-v4 .v4-side-links small{
  color:#efbd55;
  font-size:.64rem;
  font-weight:900;
  letter-spacing:.08em;
  margin-bottom:7px;
}
.money-v4 .v4-side-links a{
  display:flex;
  justify-content:space-between;
  gap:8px;
  text-decoration:none;
  color:#e9f1ee;
  font-size:.74rem;
  padding:7px 0;
}
.money-v4 .v4-side-links a:hover{color:#efbd55}
.money-v4 .v4-side-privacy{
  margin-top:auto;
  padding:14px;
  border:1px solid rgba(255,255,255,.13);
  border-radius:13px;
  background:rgba(255,255,255,.025);
}
.money-v4 .v4-side-privacy strong{
  font-size:.72rem;
  color:#fff;
}
.money-v4 .v4-side-privacy p{
  color:#afc1ba;
  font-size:.67rem;
  line-height:1.55;
  margin:8px 0;
}
.money-v4 .v4-side-privacy a{
  color:#efbd55;
  font-size:.67rem;
  text-decoration:none;
  font-weight:800;
}
.money-v4 .v4-menu-toggle{display:none}

/* Move the complete desktop experience away from the fixed sidebar */
@media(min-width:1051px){
  .money-v4 .site-header{
    left:238px;
    width:calc(100% - 238px);
  }
  .money-v4 main,
  .money-v4 footer{
    margin-left:238px;
  }
  .money-v4 .money-decor{
    right:0;
  }
}

/* Tablet/mobile: sidebar becomes an off-canvas menu */
@media(max-width:1050px){
  .money-v4 .v4-sidebar{
    transform:translateX(-104%);
    transition:transform .22s ease;
    width:min(300px,88vw);
  }
  .money-v4 .v4-sidebar.open{transform:translateX(0)}
  .money-v4 .v4-menu-toggle{
    display:grid;
    place-items:center;
    position:fixed;
    left:12px;
    bottom:14px;
    z-index:95;
    width:48px;
    height:48px;
    border-radius:50%;
    border:1px solid rgba(239,189,85,.4);
    background:#082a23;
    color:#efbd55;
    font-size:1.25rem;
    box-shadow:0 10px 28px rgba(0,0,0,.32);
  }
}

/* ===== Money Planner 4.4 – navigation UX fix ===== */

/* When using anchors, headings must never disappear beneath the sticky top bar. */
.money-v4 #oversikt,
.money-v4 #planner,
.money-v4 #tools,
.money-v4 #kids,
.money-v4 #sell,
.money-v4 #resources,
.money-v4 #report,
.money-v4 #privacy,
.money-v4 #bank-guide-anchor {
  scroll-margin-top: 118px;
}

/* Cleaner sidebar icons */
.money-v4 .v4-side-nav .nav-ico{
  width:24px;
  height:24px;
  display:grid;
  place-items:center;
  font-family:Arial,Helvetica,sans-serif;
  font-size:.96rem;
  font-weight:900;
  line-height:1;
  border-radius:7px;
  color:#dce8e3;
  background:rgba(255,255,255,.035);
  border:1px solid rgba(255,255,255,.07);
}

/* Make the selected page unmistakable */
.money-v4 .v4-side-nav a.active{
  background:
    linear-gradient(90deg,rgba(239,189,85,.28),rgba(239,189,85,.10)) !important;
  color:#fff !important;
  border:1px solid rgba(239,189,85,.45);
  box-shadow:
    inset 3px 0 #efbd55,
    0 8px 24px rgba(0,0,0,.12);
}
.money-v4 .v4-side-nav a.active .nav-ico{
  color:#0a211b;
  background:linear-gradient(180deg,#ffd876,#e6aa31);
  border-color:#efbd55;
}
.money-v4 .v4-side-nav a.active b{
  color:#fff !important;
}

/* Match active state in the top navigation as well */
.money-v4 .site-header nav a.nav-current{
  color:#efbd55 !important;
  background:rgba(239,189,85,.10) !important;
  box-shadow:inset 0 -2px #efbd55;
}

/* More breathing room at the start of anchored sections */
.money-v4 .planner-shell,
.money-v4 .scenario-section,
.money-v4 .kids-section,
.money-v4 .sell-section{
  padding-top:34px;
}

/* Keep side menu labels visually aligned */
.money-v4 .v4-side-nav a{
  border:1px solid transparent;
}
.money-v4 .v4-side-nav a b{
  line-height:1.2;
}

/* Avoid text/icon crowding on narrower desktop widths */
@media (min-width:1051px) and (max-width:1280px){
  .money-v4 .v4-sidebar{width:220px}
  .money-v4 .site-header{left:220px;width:calc(100% - 220px)}
  .money-v4 main,.money-v4 footer{margin-left:220px}
}

/* Mobile anchor offset is smaller because the header collapses */
@media(max-width:1050px){
  .money-v4 #oversikt,
  .money-v4 #planner,
  .money-v4 #tools,
  .money-v4 #kids,
  .money-v4 #sell,
  .money-v4 #resources,
  .money-v4 #report,
  .money-v4 #privacy,
  .money-v4 #bank-guide-anchor{
    scroll-margin-top:90px;
  }
}

/* =========================================================
   IANS MONEY PLANNER – AI RESULT TEXT FIX
   Sikrer lesbar tekst i AI-resultatboksen
   ========================================================= */

#aiResult,
.ai-result {
  color: #17352d !important;
  background: #f7f8f5 !important;
  border: 1px solid rgba(23, 53, 45, 0.12);
  border-radius: 14px;
  padding: 18px 20px;
  margin-top: 14px;
  line-height: 1.65;
  font-size: 0.98rem;
  white-space: pre-wrap;
  overflow-wrap: anywhere;
}

#aiResult *,
.ai-result * {
  color: inherit !important;
}

#aiResult strong,
#aiResult b,
.ai-result strong,
.ai-result b {
  color: #0b2f27 !important;
  font-weight: 700;
}

#aiResult h1,
#aiResult h2,
#aiResult h3,
#aiResult h4,
.ai-result h1,
.ai-result h2,
.ai-result h3,
.ai-result h4 {
  color: #082c24 !important;
}

#aiResult a,
.ai-result a {
  color: #176b56 !important;
  text-decoration: underline;
}

#aiResult code,
#aiResult pre,
.ai-result code,
.ai-result pre {
  color: #17352d !important;
  background: #edf2ef !important;
}

.ai-card {
  color: #17352d;
}

.ai-card .small {
  color: #7b8f88 !important;
}


/* =========================================================
   IANS MONEY PLANNER – SELL GENERATOR READABILITY FIX
   ========================================================= */

/* Samtykkeboksen */
.money-v4 .ai-consent {
  background: #f7f8f5 !important;
  color: #17352d !important;
  border: 1px solid rgba(23, 53, 45, 0.14) !important;
}

.money-v4 .ai-consent span {
  color: #17352d !important;
  opacity: 1 !important;
}

.money-v4 .ai-consent input[type="checkbox"] {
  accent-color: #176b56;
}

/* Status under AI-knappen */
.money-v4 #sellStatus {
  color: #d7e4df !important;
  opacity: 1 !important;
}

/* Ferdig AI-generert annonse */
.money-v4 #adResult,
.money-v4 .ad-result {
  color: #17352d !important;
}

.money-v4 #adResult label,
.money-v4 .ad-result label {
  color: #17352d !important;
}

.money-v4 #adResult input,
.money-v4 #adResult textarea,
.money-v4 .ad-result input,
.money-v4 .ad-result textarea {
  color: #17352d !important;
  background: #ffffff !important;
}

/* Prisfeltene */
.money-v4 .price-grid {
  color: #17352d !important;
}

.money-v4 .price-grid span {
  color: #526b63 !important;
}

.money-v4 .price-grid strong {
  color: #0b2f27 !important;
}

/* Den lyse informasjonsboksen på venstre side */
.money-v4 .sell-note {
  color: #17352d !important;
  background: #dce7e2 !important;
}

.money-v4 .sell-note strong {
  color: #0b2f27 !important;
}


/* ===== IANS MONEY PLANNER V4.5 – WIDESCREEN EXPERIENCE ===== */
:root{--mp-wide:1560px}
body.money-v4{overflow-x:hidden}
@media(min-width:1180px){
  body.money-v4 main,
  body.money-v4 .site-header.v4-header,
  body.money-v4 footer{
    width:min(var(--mp-wide),calc(100vw - 64px))!important;
    max-width:none!important;
    margin-left:auto!important;
    margin-right:auto!important;
  }

  body.money-v4 .site-header.v4-header{
    border-radius:0 0 16px 16px;
  }

  body.money-v4 .hero.hero-v3{
    grid-template-columns:minmax(430px,.82fr) minmax(680px,1.55fr)!important;
    gap:clamp(36px,4vw,72px)!important;
    align-items:center;
    min-height:620px;
  }

  body.money-v4 .hero-copy h1{
    font-size:clamp(52px,4.5vw,78px)!important;
    line-height:.98!important;
    letter-spacing:-.045em;
  }

  body.money-v4 .hero-dashboard{
    min-width:0;
    transform:translateZ(0);
  }

  body.money-v4 .hero-chart-grid{
    grid-template-columns:1fr 1fr!important;
    gap:18px!important;
  }

  body.money-v4 .resource-grid.visual-resources{
    grid-template-columns:repeat(4,minmax(0,1fr))!important;
  }

  body.money-v4 .story-grid{
    grid-template-columns:repeat(4,minmax(0,1fr))!important;
  }

  body.money-v4 .planner-shell{
    grid-template-columns:minmax(0,1.6fr) minmax(360px,.7fr)!important;
    gap:28px!important;
    align-items:start;
  }

  body.money-v4 .scenario-grid{
    grid-template-columns:repeat(3,minmax(0,1fr))!important;
  }

  body.money-v4 .resource-grid:not(.visual-resources){
    grid-template-columns:repeat(4,minmax(0,1fr))!important;
  }

  body.money-v4 .bank-grid{
    grid-template-columns:repeat(3,minmax(0,1fr))!important;
  }

  body.money-v4 .personal-grid{
    grid-template-columns:repeat(3,minmax(0,1fr))!important;
  }

  body.money-v4 .privacy-ai-grid,
  body.money-v4 .privacy-section{
    grid-template-columns:repeat(2,minmax(0,1fr))!important;
  }

  body.money-v4 .commit-grid{
    grid-template-columns:1.15fr .85fr!important;
  }

  body.money-v4 .sell-section,
  body.money-v4 .ai-section,
  body.money-v4 .report-section{
    grid-template-columns:1fr 1fr!important;
  }

  body.money-v4 .v4-sidebar{
    width:260px!important;
  }

  body.money-v4{
    --sidebar-space:280px;
  }

  body.money-v4 main,
  body.money-v4 .site-header.v4-header,
  body.money-v4 footer{
    transform:translateX(calc(var(--sidebar-space) / 2));
    width:min(calc(var(--mp-wide) - var(--sidebar-space) / 2),calc(100vw - var(--sidebar-space) - 38px))!important;
  }
}
@media(min-width:1600px){
  body.money-v4 main,
  body.money-v4 .site-header.v4-header,
  body.money-v4 footer{
    width:min(1650px,calc(100vw - 340px))!important;
  }
  body.money-v4 .hero.hero-v3{min-height:670px}
}