/* ======================================================
   Excelergy Base Styles
   VERSION: v2026-MODERN-LAYOUT-69
   ====================================================== */

:root {
  --bg: #eef3f8;
  --bg-soft: #f8fafc;
  --card: rgba(255, 255, 255, 0.92);
  --card-solid: #ffffff;
  --border: #dbe3ed;
  --border-strong: #c8d3df;
  --text: #0f172a;
  --muted: #64748b;
  --primary: #2563eb;
  --primary-dark: #1d4ed8;
  --primary-soft: #dbeafe;
  --shadow: 0 20px 45px rgba(15, 23, 42, 0.08);
  --shadow-soft: 0 8px 24px rgba(15, 23, 42, 0.06);
  --radius: 22px;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;background:radial-gradient(circle at top left,rgba(37,99,235,.16),transparent 32rem),linear-gradient(180deg,#f8fafc 0%,var(--bg) 100%);color:var(--text);min-height:100vh}button,input,select{font:inherit}
.topbar{position:sticky;top:0;z-index:20;min-height:68px;background:rgba(255,255,255,.82);border-bottom:1px solid rgba(219,227,237,.85);backdrop-filter:blur(18px);display:flex;align-items:center;justify-content:space-between;padding:0 28px}.brand{display:inline-flex;align-items:center;gap:10px;font-weight:800;font-size:18px;letter-spacing:-.02em}.brand-mark{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:12px;background:linear-gradient(135deg,var(--primary),#7c3aed);color:white;box-shadow:0 10px 20px rgba(37,99,235,.25)}.topbar-nav{display:flex;gap:8px;background:#f1f5f9;padding:5px;border-radius:999px;border:1px solid #e2e8f0}.topbar-nav a{font-size:13px;font-weight:700;color:var(--muted);text-decoration:none;padding:9px 14px;border-radius:999px}.topbar-nav a.active,.topbar-nav a:hover{color:var(--text);background:var(--card-solid);box-shadow:0 2px 8px rgba(15,23,42,.08)}
.hero{max-width:1520px;margin:22px auto 0;padding:28px;display:flex;justify-content:space-between;align-items:flex-end;gap:20px}.eyebrow{margin:0 0 8px;color:var(--primary);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}.hero h1{max-width:860px;margin:0;font-size:clamp(30px,4vw,54px);line-height:1.02;letter-spacing:-.055em}.hero-copy{max-width:660px;color:var(--muted);font-size:16px;margin:14px 0 0}.hero-actions{display:flex;align-items:center;gap:10px;flex-wrap:wrap}.secondary-link{display:inline-flex;align-items:center;justify-content:center;min-height:40px;padding:0 14px;border-radius:12px;background:white;border:1px solid var(--border);color:var(--text);font-weight:700;font-size:13px;text-decoration:none;box-shadow:var(--shadow-soft)}
.dashboard{max-width:1520px;margin:0 auto;display:grid;grid-template-columns:minmax(360px,430px) minmax(0,1fr);gap:22px;padding:0 28px 28px;align-items:start}.kpi-panel{position:sticky;top:90px;align-self:start;background:var(--card);border:1px solid rgba(219,227,237,.8);border-radius:var(--radius);padding:14px;box-shadow:var(--shadow);backdrop-filter:blur(16px)}.control-form{display:flex;flex-direction:column;gap:12px}.form-card{background:var(--bg-soft);border:1px solid var(--border);border-radius:18px;padding:14px}.accent-card{background:linear-gradient(135deg,#eff6ff,#fff);border-color:#bfdbfe}.control-form h3,.panel h3{font-size:12px;font-weight:800;letter-spacing:.08em;color:var(--muted);margin:0 0 10px;text-transform:uppercase}.row{display:grid;grid-template-columns:minmax(90px,1fr) minmax(92px,118px) minmax(80px,92px) minmax(72px,86px);gap:8px;align-items:center;font-size:12px;margin-top:7px}.row.split{grid-template-columns:minmax(90px,auto) minmax(160px,1fr)}.row.pair{grid-template-columns:minmax(90px,auto) 80px 1fr auto 120px;gap:8px}.row.headers{font-size:10px;font-weight:800;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}.row input,.row select{width:100%;min-height:36px;padding:8px 10px;font-size:12px;border-radius:12px;border:1px solid var(--border-strong);background:#fff;color:var(--text);text-align:right;outline:none;transition:border-color .15s ease,box-shadow .15s ease,background .15s ease}.row select{text-align:left}.row input:focus,.row select:focus{border-color:var(--primary);box-shadow:0 0 0 4px rgba(37,99,235,.12)}
button,.primary{min-height:40px;padding:0 16px;font-size:13px;font-weight:800;border-radius:12px;border:none;cursor:pointer;white-space:nowrap;display:inline-flex;align-items:center;justify-content:center;text-decoration:none}.primary{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;box-shadow:0 12px 24px rgba(37,99,235,.22)}.primary:hover{filter:brightness(.98);transform:translateY(-1px)}.scenario-actions,.row.buttons{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.scenario-actions button,.row.buttons button{flex:1 1 105px}
main{display:flex;flex-direction:column;gap:20px;min-width:0}.scenario-tiles{display:grid;grid-template-columns:repeat(5,minmax(150px,1fr));gap:14px}.panel{background:var(--card);border:1px solid rgba(219,227,237,.82);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow-soft);backdrop-filter:blur(16px)}.panel.tile{min-height:132px;display:flex;flex-direction:column;justify-content:space-between;overflow:hidden;position:relative}.panel.tile::after{content:"";position:absolute;inset:auto -30px -45px auto;width:110px;height:110px;border-radius:999px;background:rgba(37,99,235,.10)}.tile-label{width:fit-content;font-size:10px;font-weight:800;color:var(--primary-dark);background:var(--primary-soft);padding:5px 8px;border-radius:999px;text-transform:uppercase;letter-spacing:.08em}.panel.tile h3{font-size:12px;color:var(--muted);margin:14px 0 6px}.panel.tile div{font-size:clamp(20px,2vw,28px);font-weight:850;letter-spacing:-.04em}.section-title{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;margin-bottom:14px}.section-title h3{margin:0;color:var(--text);font-size:18px;letter-spacing:-.02em;text-transform:none}.table-scroll{max-height:560px;overflow:auto;border:1px solid var(--border);border-radius:16px;background:white}table{width:100%;border-collapse:separate;border-spacing:0;font-size:12px}th,td{padding:10px 9px;text-align:right;border-bottom:1px solid #edf2f7;white-space:nowrap}thead th{position:sticky;top:0;z-index:2;background:#f8fafc;color:#475569;font-weight:800;font-size:11px;text-transform:uppercase;letter-spacing:.04em}tbody tr:hover{background:#f8fafc}th:first-child,td:first-child{text-align:left;position:sticky;left:0;z-index:1;background:inherit;font-weight:800}thead th:first-child{z-index:3;background:#f8fafc}.footer{text-align:center;font-size:12px;color:var(--muted);padding:18px}#eventList{color:var(--muted);font-size:13px;line-height:1.6}.warning-box{margin-top:14px;display:flex;flex-direction:column;gap:6px}.warning-box:empty{display:none}.warning{background:#fef3c7;border:1px solid #fcd34d;color:#7c2d12;padding:8px 12px;border-radius:10px;font-size:12px;line-height:1.4}
.tax-badge{display:inline-flex;align-items:center;height:22px;padding:0 8px;margin-left:8px;background:var(--primary-soft);color:var(--primary-dark);font-size:11px;font-weight:800;letter-spacing:.04em;border-radius:999px;text-transform:uppercase}
label.with-help{display:inline-flex;align-items:center;gap:5px}
.help{width:14px;height:14px;border-radius:50%;background:var(--primary-soft);color:var(--primary-dark);border:none;font-family:Georgia,serif;font-size:10px;font-weight:700;font-style:italic;line-height:1;cursor:help;padding:0;display:inline-grid;place-items:center;position:relative;flex-shrink:0;transition:background .12s,color .12s}
.help:hover,.help:focus{background:var(--primary);color:#fff;outline:none}
.help::after{content:attr(data-tip);position:absolute;bottom:calc(100% + 8px);left:50%;transform:translateX(-50%);background:#1e293b;color:#fff;padding:8px 12px;border-radius:8px;font-size:11px;font-weight:500;font-style:normal;white-space:normal;width:max-content;max-width:260px;text-align:left;z-index:100;pointer-events:none;line-height:1.5;box-shadow:0 6px 20px rgba(0,0,0,.25);opacity:0;visibility:hidden;transition:opacity .15s,visibility .15s}
.help::before{content:'';position:absolute;bottom:calc(100% + 2px);left:50%;transform:translateX(-50%);border:6px solid transparent;border-top-color:#1e293b;z-index:100;opacity:0;visibility:hidden;transition:opacity .15s,visibility .15s}
.help:hover::after,.help:focus::after,.help.active::after,.help:hover::before,.help:focus::before,.help.active::before{opacity:1;visibility:visible}

/* Providers section (planner compact + FAQ full share these classes) */
.providers{background:var(--card);border:1px solid rgba(219,227,237,.82);border-radius:var(--radius);padding:18px 22px;box-shadow:var(--shadow-soft)}
.providers-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-bottom:6px}
.providers-head h3{margin:0;font-size:14px;letter-spacing:-.01em;color:var(--text);text-transform:none;font-weight:700}
.providers-disclosure{font-size:11px;color:var(--muted);margin:0}
.providers-disclosure strong{color:#7c2d12}
.providers-intro{font-size:13px;color:var(--muted);margin:8px 0 16px;line-height:1.55}
.providers-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px}
.provider-card{border:1px solid var(--border);border-radius:14px;padding:14px;background:var(--bg-soft);display:flex;flex-direction:column;gap:6px;transition:border-color .12s,box-shadow .12s;text-decoration:none;color:inherit}
.provider-card:hover{border-color:var(--border-strong);box-shadow:var(--shadow-soft)}
.provider-card h4{margin:2px 0 0;font-size:13px;letter-spacing:-.01em;color:var(--text);font-weight:800}
.provider-card .provider-tag{align-self:flex-start;font-size:10px;font-weight:800;color:var(--primary-dark);background:var(--primary-soft);padding:3px 8px;border-radius:999px;text-transform:uppercase;letter-spacing:.06em}
.provider-card p{margin:2px 0 0;font-size:12px;line-height:1.45;color:var(--text)}
.provider-card .provider-meta{font-size:11px;color:var(--muted);margin-top:2px}
.provider-card .cta{align-self:flex-start;margin-top:auto;font-size:12px;font-weight:700;color:var(--primary);padding-top:6px}
.provider-card:hover .cta{text-decoration:underline}
.provider-card .cta::after{content:' →';font-weight:600}
.providers-footer{border-top:1px solid var(--border);margin-top:14px;padding-top:10px;font-size:11px;color:var(--muted);line-height:1.5}
.providers-footer .risk{color:#7c2d12;font-weight:600}
.providers-more{font-size:12px;font-weight:700;color:var(--primary);text-decoration:none}
.providers-more:hover{text-decoration:underline}
.providers-more::after{content:' →'}
.ledger-hint{font-size:11px;color:var(--muted);margin:4px 0 8px}
.ledger-table thead .group-row th{position:sticky;top:0;z-index:3;background:#eef2f7;color:#334155;font-weight:800;font-size:11px;letter-spacing:.06em;text-transform:uppercase;border-bottom:1px solid #cbd5e1;padding:8px 9px;text-align:center}
.ledger-table thead .col-row th{position:sticky;top:32px;z-index:2;background:#f8fafc;color:#475569}
.ledger-table .group-cell.expandable{cursor:pointer;user-select:none}
.ledger-table .group-cell.expandable:hover{background:#dbeafe}
.ledger-table .group-cell.expandable:focus{outline:2px solid var(--primary);outline-offset:-2px}
.disclaimer-strip{max-width:1520px;margin:14px auto 0;padding:12px 28px;font-size:12px;color:#7c2d12;background:#fef3c7;border:1px solid #fcd34d;border-radius:12px;line-height:1.5}
.disclaimer-strip strong{color:#7c2d12}
.secondary-button{min-height:40px;padding:0 16px;font-size:13px;font-weight:700;border-radius:12px;border:1px solid var(--border-strong);background:#fff;color:var(--text);cursor:pointer}
.secondary-button:hover{background:var(--bg-soft)}
.chart-panel .chart-container{width:100%;height:280px;background:#fff;border:1px solid var(--border);border-radius:16px;padding:8px}
#wealthChart{display:block;width:100%;height:100%}
@media(max-width:1180px){.dashboard{grid-template-columns:1fr}.kpi-panel{position:static}.scenario-tiles{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:760px){.topbar{padding:12px 16px;flex-wrap:wrap;gap:10px}.topbar-nav{width:100%}.topbar-nav a{flex:1;text-align:center}.hero{padding:22px 16px;flex-direction:column;align-items:stretch}.dashboard{padding:0 16px 20px}.scenario-tiles{grid-template-columns:1fr}.row{grid-template-columns:1fr 1fr}.row.headers{display:none}.table-scroll{max-height:70vh}}@media print{body{background:#fff}.topbar,.hero,.kpi-panel,.scenario-tiles,.disclaimer-strip{display:none!important}.dashboard{display:block;padding:0;max-width:none}.panel{display:block!important;box-shadow:none;border:0;padding:0}.table-scroll{max-height:none!important;overflow:visible!important;border:0}table{width:100%!important;font-size:10px}th,td{padding:4px}tr{page-break-inside:avoid}@page{size:A4 landscape;margin:12mm}}