:root{--ds-color-cream: rgb(251, 247, 235);--ds-color-cream-dark: #e8e4dc;--ds-color-ink: #1c1917;--ds-color-ink-muted: #57534e;--ds-color-ink-light: #78716c;--ds-color-forest: #1a3a2f;--ds-color-forest-light: #2d5a47;--ds-color-terracotta: #c45d3a;--ds-color-border: rgb(158, 158, 158);--ds-surface-base: var(--ds-color-cream);--ds-surface-elevated: #fffdf8;--ds-surface-subtle: #f8f1e3;--ds-text-primary: var(--ds-color-ink);--ds-text-secondary: var(--ds-color-ink-muted);--ds-text-tertiary: var(--ds-color-ink-light);--ds-accent-primary: var(--ds-color-forest);--ds-accent-primary-hover: var(--ds-color-forest-light);--ds-accent-secondary: var(--ds-color-terracotta);--ds-border-default: #cfc8b8;--ds-border-strong: var(--ds-color-border);--ds-font-display: "Fraunces", Georgia, serif;--ds-font-body: "DM Sans", system-ui, sans-serif;--ds-font-mono: "IBM Plex Mono", monospace;--ds-font-size-display-xl: clamp(2.5rem, 6vw, 4rem);--ds-font-size-display-lg: clamp(2rem, 4.5vw, 3rem);--ds-font-size-heading-md: 1.5rem;--ds-font-size-heading-sm: 1.25rem;--ds-font-size-body-lg: 1.1rem;--ds-font-size-body-md: 1rem;--ds-font-size-body-sm: .9rem;--ds-font-size-caption: .82rem;--ds-space-2xs: 4px;--ds-space-xs: 8px;--ds-space-sm: 12px;--ds-space-md: 16px;--ds-space-lg: 24px;--ds-space-xl: 32px;--ds-space-2xl: 48px;--ds-space-3xl: 64px;--ds-ease-out: cubic-bezier(.4, 0, .2, 1);--ds-ease-spring: cubic-bezier(.34, 1.56, .64, 1);--ds-duration-fast: .2s;--ds-duration-medium: .4s;--ds-radius-none: 0;--ds-radius-pill: 999px;--ds-shadow-sm: 0 2px 8px rgba(28, 25, 23, .04);--ds-shadow-md: 0 8px 24px rgba(28, 25, 23, .08)}.ds-font-display{font-family:var(--ds-font-display)}.ds-font-body{font-family:var(--ds-font-body)}.ds-font-mono{font-family:var(--ds-font-mono)}.ds-text-primary{color:var(--ds-text-primary)}.ds-text-secondary{color:var(--ds-text-secondary)}.ds-text-tertiary{color:var(--ds-text-tertiary)}.ds-heading{color:var(--ds-text-primary);margin:0}.ds-heading--display{font-family:var(--ds-font-display);font-size:var(--ds-font-size-display-lg);line-height:1.1;letter-spacing:-.02em;font-weight:900}.ds-heading--h1{font-family:var(--ds-font-display);font-size:var(--ds-font-size-display-lg);line-height:1.15;font-weight:700}.ds-heading--h2{font-family:var(--ds-font-display);font-size:var(--ds-font-size-heading-md);line-height:1.25;font-weight:600}.ds-heading--h3{font-family:var(--ds-font-display);font-size:var(--ds-font-size-heading-sm);line-height:1.3;font-weight:600}.ds-text{margin:0;color:var(--ds-text-secondary)}.ds-text--body{font-family:var(--ds-font-body);font-size:var(--ds-font-size-body-md);line-height:1.65}.ds-text--small{font-family:var(--ds-font-body);font-size:var(--ds-font-size-body-sm);line-height:1.55}.ds-text--mono{font-family:var(--ds-font-mono);font-size:var(--ds-font-size-body-sm);line-height:1.45}.ds-divider{width:80px;height:3px;background:var(--ds-accent-secondary);border:0}.ds-button{border:2px solid transparent;padding:10px 14px;font-family:var(--ds-font-body);font-size:var(--ds-font-size-body-sm);font-weight:600;cursor:pointer;transition:all var(--ds-duration-fast) var(--ds-ease-out)}.ds-button:focus-visible{outline:2px solid var(--ds-accent-secondary);outline-offset:2px}.ds-button:disabled{opacity:.5;cursor:not-allowed}.ds-button--primary{background:var(--ds-accent-primary);color:var(--ds-surface-base);border-color:var(--ds-accent-primary)}.ds-button--primary:hover:not(:disabled){background:var(--ds-accent-primary-hover);border-color:var(--ds-accent-primary-hover)}.ds-button--secondary{background:var(--ds-surface-base);color:var(--ds-text-primary);border-color:var(--ds-text-primary)}.ds-button--secondary:hover:not(:disabled){background:var(--ds-text-primary);color:var(--ds-surface-base)}.ds-button--ghost{background:transparent;color:var(--ds-text-primary);border-color:var(--ds-border-strong)}.ds-button--ghost:hover:not(:disabled){background:#1c19170f}.ds-input,.ds-select{width:100%;border:2px solid var(--ds-border-default);background:var(--ds-surface-elevated);color:var(--ds-text-primary);font-family:var(--ds-font-mono);font-size:var(--ds-font-size-body-md);padding:10px 12px;line-height:1.25}.ds-input:focus,.ds-select:focus{outline:none;border-color:var(--ds-accent-primary)}.ds-chip{border:1px solid #c7bfae;background:#fffdf8;color:var(--ds-text-primary);padding:6px 12px;border-radius:var(--ds-radius-pill);font-size:.85rem;font-family:var(--ds-font-body);cursor:pointer;transition:all var(--ds-duration-fast) var(--ds-ease-out)}.ds-chip:hover,.ds-chip[data-active=true]{background:var(--ds-accent-primary);border-color:var(--ds-accent-primary);color:var(--ds-surface-base)}.ds-badge{display:inline-flex;align-items:center;border-radius:var(--ds-radius-pill);padding:3px 8px;font-size:.74rem;text-transform:uppercase;letter-spacing:.04em;font-family:var(--ds-font-body);font-weight:700}.ds-badge--easy{background:#e8f5ef;border:1px solid #8ab7a2;color:#1a4935}.ds-form-field{display:grid;gap:6px}.ds-form-label{display:flex;align-items:center;gap:6px;font-family:var(--ds-font-body);font-size:var(--ds-font-size-body-sm);font-weight:600;color:var(--ds-text-secondary)}.ds-form-helper{font-family:var(--ds-font-body);font-size:.8rem;color:var(--ds-text-tertiary)}.ds-chip-group{display:flex;gap:var(--ds-space-xs);flex-wrap:wrap}.ds-chip-group--center{justify-content:center}.ds-score-pills{display:flex;gap:8px;flex-wrap:wrap}.ds-score-pill{border:1px solid #cbc3b3;background:#f9f3e6;padding:2px 8px;font-size:.78rem;color:var(--ds-text-secondary);font-family:var(--ds-font-body)}.ds-split-bar{display:flex;border:1px solid var(--ds-border-default);min-height:30px;overflow:hidden}.ds-split-segment{display:flex;align-items:center;justify-content:center;color:#fff;font-family:var(--ds-font-mono);font-size:.75rem;font-weight:700;min-width:52px;transition:width var(--ds-duration-fast) var(--ds-ease-out)}.ds-split-segment--1{background:#2d5a47}.ds-split-segment--2{background:#8d6b3f}.ds-split-segment--3{background:#c45d3a}.ds-tooltip{position:relative;display:inline-flex}.ds-tooltip-trigger{display:inline-flex;width:16px;height:16px;justify-content:center;align-items:center;border:1px solid var(--ds-border-strong);border-radius:999px;font-size:10px;font-family:var(--ds-font-mono);cursor:help}.ds-tooltip-content{position:absolute;left:50%;bottom:calc(100% + 8px);transform:translate(-50%);width:220px;padding:10px;border:2px solid var(--ds-border-default);background:var(--ds-surface-base);color:var(--ds-text-primary);font-family:var(--ds-font-body);font-size:.82rem;line-height:1.4;z-index:30;opacity:0;pointer-events:none;transition:opacity var(--ds-duration-fast) var(--ds-ease-out)}.ds-tooltip:hover .ds-tooltip-content,.ds-tooltip:focus-within .ds-tooltip-content{opacity:1}.ds-variant-card{background:var(--ds-surface-base);border:2px solid #d8d1bf;border-left:5px solid var(--ds-accent-primary);padding:var(--ds-space-md);box-shadow:var(--ds-shadow-sm);display:grid;gap:var(--ds-space-sm)}.ds-variant-card-head{display:flex;justify-content:space-between;align-items:center;gap:8px}.ds-variant-card-notes{padding-top:var(--ds-space-sm);border-top:1px dashed #ccc3b2;display:grid;gap:6px}.ds-page-header{display:grid;gap:var(--ds-space-sm)}.ds-page-header-toolbar{display:flex;flex-wrap:wrap;gap:var(--ds-space-xs)}.ds-template-selector{border:2px solid var(--ds-border-strong);padding:var(--ds-space-md);display:grid;gap:var(--ds-space-sm);background:var(--ds-surface-base)}.ds-template-meta{display:flex;justify-content:space-between;align-items:center;gap:var(--ds-space-sm)}@media (max-width: 768px){.ds-template-meta{flex-direction:column;align-items:flex-start}}:root{--cream: rgb(251, 247, 235);--cream-dark: #e8e4dc;--ink: #1c1917;--ink-muted: #57534e;--ink-light: #78716c;--forest: #1a3a2f;--forest-light: #2d5a47;--terracotta: #c45d3a;--border: rgb(158, 158, 158);--font-display: "Fraunces", Georgia, serif;--font-body: "DM Sans", system-ui, sans-serif;--font-mono: "IBM Plex Mono", monospace;--ease-out: cubic-bezier(.4, 0, .2, 1);--ease-spring: cubic-bezier(.34, 1.56, .64, 1);--duration-fast: .2s;--duration-medium: .4s}*{margin:0;padding:0;box-sizing:border-box}body{font-family:var(--font-body);background-color:var(--cream);color:var(--ink);margin:0;padding:20px;min-height:100vh;line-height:1.6}#root,.app-container{max-width:1200px;margin:0 auto}.app{background:var(--cream);padding:40px;font-family:var(--font-body)}.navigation{display:flex;gap:0;margin-bottom:24px;border-bottom:2px solid var(--border)}.nav-tab{padding:13px 22px;text-decoration:none;color:var(--ink);font-family:var(--font-body);font-size:.98rem;font-weight:500;border:2px solid transparent;border-bottom:none;background:transparent;transition:all var(--duration-fast) var(--ease-out);cursor:pointer}.nav-tab:hover{background:#1414140d}.nav-tab.active{background:var(--cream);border-color:var(--border);border-bottom:2px solid var(--cream);margin-bottom:-2px;font-weight:600}h1{font-family:var(--font-display);font-size:clamp(2.2rem,4.8vw,3.3rem);font-weight:700;text-align:center;margin-bottom:8px;color:var(--ink);line-height:1.15;letter-spacing:-.02em}.subtitle{color:var(--ink-muted);margin-bottom:32px;font-size:1.03rem;text-align:center}.section{margin-bottom:40px;padding-bottom:32px}.section:last-child{margin-bottom:0;padding-bottom:0}.section-title{font-family:var(--font-display);font-size:1.6rem;color:var(--ink);margin-bottom:20px;font-weight:600;letter-spacing:-.01em;display:flex;align-items:center;gap:8px}.section-subtitle{font-family:var(--font-display);font-size:1.3rem;color:var(--ink);margin:20px 0 14px;font-weight:600}.tooltip-wrapper{position:relative;display:inline-block}.tooltip{position:absolute;bottom:100%;left:50%;transform:translate(-50%);margin-bottom:8px;padding:12px;background:var(--cream);border:2px solid var(--border);font-family:var(--font-mono);font-size:.85rem;color:var(--ink);white-space:normal;width:250px;z-index:1000;box-shadow:var(--ds-shadow-sm)}.tooltip:after{content:"";position:absolute;top:100%;left:50%;transform:translate(-50%);border:6px solid transparent;border-top-color:var(--border)}.tooltip-icon{display:inline-block;width:16px;height:16px;margin-left:6px;border:1px solid var(--border);border-radius:50%;font-size:11px;line-height:12px;text-align:center;cursor:help;vertical-align:middle;color:var(--ink);font-weight:700}.site-footer{margin-top:14px;padding:18px 2px 8px;border-top:1px solid #d8d1bf;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}.site-footer p{color:var(--ink-muted);font-size:.88rem;margin:0}.site-footer-links{display:flex;gap:10px;flex-wrap:wrap}.site-footer a{color:var(--forest);font-size:.86rem;font-weight:600;text-decoration:underline}@media (max-width: 768px){body{padding:10px}.app{padding:24px}h1{font-size:28px;line-height:32px}.section-title{font-size:1.2rem}.navigation{flex-direction:column}.nav-tab{border:3px solid var(--border);border-bottom:none}.nav-tab:last-child{border-bottom:3px solid var(--border)}.nav-tab.active{border-bottom:3px solid var(--cream);margin-bottom:0}.site-footer{align-items:flex-start;flex-direction:column}}@keyframes fadeInUp{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@keyframes drawLine{0%{width:0}to{width:80px}}@keyframes slideInRight{0%{opacity:0;transform:translate(-12px)}to{opacity:1;transform:translate(0)}}.home{font-family:var(--font-body);background:var(--cream);padding:48px 24px 64px;min-height:calc(100vh - 100px)}.home-hero{max-width:800px;margin:0 auto 64px;text-align:left;position:relative}.home-hero h1{font-family:var(--font-display);font-size:clamp(2.5rem,6vw,4rem);font-weight:900;line-height:1.1;color:var(--ink);text-align:left;margin-bottom:0;letter-spacing:-.02em;animation:fadeInUp var(--duration-medium) var(--ease-out) forwards}.home-hero h1 .highlight{color:var(--forest)}.home-rule{width:80px;height:3px;background:var(--terracotta);margin:24px 0;animation:drawLine var(--duration-medium) var(--ease-out) .2s forwards;width:0}.home-tagline{font-family:var(--font-body);font-size:1.2rem;color:var(--ink-muted);max-width:480px;margin:0;line-height:1.7;animation:fadeInUp var(--duration-medium) var(--ease-out) .1s backwards}.home-benefits{max-width:880px;margin:0 auto 64px;display:grid;grid-template-columns:repeat(2,1fr);gap:20px;position:relative}.home-benefits .benefit-card:nth-child(2){margin-top:32px}.home-benefits .benefit-card:nth-child(3){margin-top:-16px}.benefit-card{background:var(--cream);border:none;border-left:4px solid var(--forest);padding:28px 28px 28px 24px;position:relative;box-shadow:0 2px 8px #1c19170a;transition:transform var(--duration-fast) var(--ease-out),box-shadow var(--duration-fast) var(--ease-out);animation:fadeInUp var(--duration-medium) var(--ease-out) backwards}.benefit-card:nth-child(1){animation-delay:.3s}.benefit-card:nth-child(2){animation-delay:.38s}.benefit-card:nth-child(3){animation-delay:.46s}.benefit-card:nth-child(4){animation-delay:.54s}.benefit-card:hover{transform:translateY(-4px);box-shadow:0 8px 24px #1c191714}.benefit-number{font-family:var(--font-display);font-size:3rem;font-weight:400;color:var(--cream-dark);position:absolute;top:12px;right:20px;line-height:1;-webkit-user-select:none;user-select:none}.benefit-card h3{font-family:var(--font-display);font-size:1.25rem;font-weight:600;color:var(--ink);margin-bottom:10px;line-height:1.3}.benefit-card p{font-family:var(--font-body);font-size:.95rem;color:var(--ink-muted);line-height:1.65;margin:0}.home-tools{max-width:980px;margin:0 auto;animation:fadeInUp var(--duration-medium) var(--ease-out) .6s backwards}.home-tools h2{font-family:var(--font-display);font-size:1.5rem;font-weight:600;color:var(--ink);margin-bottom:24px;text-align:center}.tool-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.tool-link{display:flex;flex-direction:column;align-items:flex-start;padding:24px 28px;text-decoration:none;font-family:var(--font-body);transition:all var(--duration-fast) var(--ease-out);position:relative;overflow:hidden}.tool-link-title{display:flex;align-items:center;gap:8px;font-size:1.1rem;font-weight:600;margin-bottom:8px}.tool-link-arrow{transition:transform var(--duration-fast) var(--ease-out);font-size:1.2rem}.tool-link-desc{font-size:.9rem;line-height:1.5;margin:0;font-weight:400}.tool-link--primary{background:var(--forest);color:var(--cream);border:2px solid var(--forest)}.tool-link--primary .tool-link-desc{color:#faf7f2cc}.tool-link--primary:hover{background:var(--forest-light);border-color:var(--forest-light)}.tool-link--primary:hover .tool-link-arrow{transform:translate(4px)}.tool-link--secondary{background:var(--cream);color:var(--ink);border:2px solid var(--ink)}.tool-link--secondary .tool-link-desc{color:var(--ink-muted)}.tool-link--secondary:hover{background:var(--ink);color:var(--cream)}.tool-link--secondary:hover .tool-link-desc{color:#faf7f2cc}.tool-link--secondary:hover .tool-link-arrow{transform:translate(4px)}.tool-link--tertiary{background:#fff7ef;color:var(--ink);border:2px solid var(--terracotta)}.tool-link--tertiary .tool-link-desc{color:var(--ink-muted)}.tool-link--tertiary:hover{background:var(--terracotta);color:var(--cream)}.tool-link--tertiary:hover .tool-link-desc{color:#faf7f2d9}.tool-link--tertiary:hover .tool-link-arrow{transform:translate(4px)}.home-about{max-width:720px;margin:64px auto 0;padding:26px 28px;border:2px solid #d8d1bf;border-left:4px solid var(--terracotta);background:#fffdf8;box-shadow:var(--ds-shadow-sm)}.home-about h2{font-family:var(--font-display);font-size:1.4rem;font-weight:600;color:var(--ink);margin:0 0 12px}.home-about p{color:var(--ink-muted);font-size:.96rem;line-height:1.7;margin:0 0 10px}.home-about p:last-of-type{margin-bottom:14px}.home-about-links{display:flex;gap:10px;flex-wrap:wrap}.home-about-links a{border:1px solid var(--border);background:var(--cream);color:var(--ink);text-decoration:none;font-weight:600;font-size:.88rem;padding:7px 10px;transition:all var(--duration-fast) var(--ease-out)}.home-about-links a:hover{background:var(--forest);color:var(--cream);border-color:var(--forest)}@media (max-width: 768px){.home{padding:32px 16px 48px}.home-hero{margin-bottom:48px}.home-hero h1{font-size:2.25rem}.home-tagline{font-size:1.05rem}.home-benefits{grid-template-columns:1fr;gap:16px}.home-benefits .benefit-card:nth-child(2),.home-benefits .benefit-card:nth-child(3){margin-top:0}.benefit-card{padding:24px 24px 24px 20px}.benefit-number{font-size:2.5rem;top:8px;right:16px}.tool-links{grid-template-columns:1fr}.tool-link{padding:20px 24px}.home-about{margin-top:48px;padding:20px}}.calculator-stepper{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-bottom:28px}.step-pill{display:flex;align-items:center;justify-content:center;gap:8px;border:2px solid var(--border);background:var(--cream);padding:10px 12px;font-family:var(--font-body);color:var(--ink);cursor:pointer;transition:all var(--duration-fast) var(--ease-out)}.step-pill .step-number{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:50%;border:1px solid var(--border);font-family:var(--font-mono);font-weight:700;font-size:.85rem}.step-pill:hover:not(:disabled){transform:translateY(-1px);border-color:var(--forest)}.step-pill.active{background:var(--forest);border-color:var(--forest);color:var(--cream)}.step-pill.active .step-number{border-color:var(--cream);color:var(--cream)}.step-pill:disabled{opacity:.45;cursor:not-allowed}.step-actions{margin-top:8px;display:flex;gap:10px;justify-content:flex-end}.step-action-button{border:2px solid var(--ink);background:var(--cream);color:var(--ink);padding:10px 14px;font-family:var(--font-body);font-size:.9rem;font-weight:600;cursor:pointer;transition:all var(--duration-fast) var(--ease-out)}.step-action-button.primary{background:var(--forest);border-color:var(--forest);color:var(--cream)}.step-action-button:hover:not(:disabled){transform:translateY(-1px)}.step-action-button:disabled{opacity:.45;cursor:not-allowed}.input-group{display:flex;gap:20px;margin-bottom:20px}.input-wrapper{flex:1}label{display:block;margin-bottom:8px;color:var(--ink);font-family:var(--font-body);font-weight:500;font-size:.98rem}input[type=number]{width:100%;padding:12px;border:2px solid var(--border);background:#fffdf8;font-family:var(--font-body);font-size:1rem;color:var(--ink);transition:border-color var(--duration-fast) var(--ease-out),box-shadow var(--duration-fast) var(--ease-out)}input[type=number]:focus{outline:none;border-color:var(--forest);box-shadow:0 0 0 3px #1a3a2f1f}.income-split-bar{display:flex;margin-top:16px;border:3px solid var(--border);min-height:46px;overflow:hidden}.income-split-segment{display:flex;align-items:center;justify-content:center;color:var(--cream);font-family:var(--font-mono);font-weight:700;font-size:1rem;min-width:74px;transition:width .2s ease-out}.income-split-person1{background:var(--ink)}.income-split-person2{background:var(--terracotta)}.income-context-card{margin-top:16px;border:2px solid #d8d1bf;border-left:4px solid var(--forest);background:#fffdf8;box-shadow:var(--ds-shadow-sm);padding:14px}.income-context-card h3{margin:0 0 8px;font-family:var(--font-display);color:var(--ink);font-size:1.12rem;font-weight:600}.income-context-card p{margin:0 0 10px;color:var(--ink-muted);font-size:.9rem;line-height:1.5}.income-context-card ul{margin:0 0 10px 18px;color:var(--ink-muted);font-size:.88rem;line-height:1.5}.income-context-card a{color:var(--forest);font-size:.86rem;font-weight:600;text-decoration:underline}.slider-group{margin-bottom:24px}.slider-wrapper{margin-bottom:20px}.slider-label-row{display:flex;justify-content:space-between;margin-bottom:10px}.slider-label{font-weight:500;color:var(--ink);font-size:.98rem}.slider-value{font-weight:700;color:var(--ink);font-size:.96rem}.slider-value.highlight{font-family:var(--font-display);font-size:1.15rem;letter-spacing:-.01em}input[type=range]{width:100%;height:8px;background:#e2ddd2;outline:none;-webkit-appearance:none;-moz-appearance:none;appearance:none;border:1px solid var(--border)}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:18px;height:18px;background:var(--forest);cursor:pointer;border:2px solid var(--cream);box-shadow:0 1px 3px #1c19174d}input[type=range]::-moz-range-thumb{width:18px;height:18px;background:var(--forest);cursor:pointer;border:2px solid var(--cream);box-shadow:0 1px 3px #1c19174d}.template-allocation{border:2px solid var(--border);padding:16px;background:var(--cream)}.template-allocation-header{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:12px}.template-chip-row{justify-content:center}.template-spectrum-labels{display:flex;justify-content:space-between;margin-bottom:8px;color:var(--ink-muted);font-size:.8rem;font-weight:600}.template-spectrum{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:8px;margin-bottom:8px}.template-option{border:1px solid #c7bfae;background:#fffdf8;text-align:left;padding:10px;min-height:110px;color:var(--ink);font-family:var(--font-body);cursor:pointer;transition:all var(--duration-fast) var(--ease-out);display:flex;flex-direction:column;gap:4px}.template-option:hover{border-color:var(--forest);transform:translateY(-1px)}.template-option.active{border-color:var(--forest);background:#f1f7f4;box-shadow:inset 0 0 0 1px var(--forest)}.template-option-title{font-size:.9rem;font-weight:700;color:var(--ink)}.template-option-split{font-family:var(--font-mono);font-size:.8rem;color:var(--ink-muted)}.template-option-description{font-size:.8rem;line-height:1.35;color:var(--ink-muted)}.chip-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:6px}.chip{border:1px solid #c7bfae;background:#fffdf8;color:var(--ink);padding:6px 10px;border-radius:999px;font-size:.85rem;font-family:var(--font-body);cursor:pointer;transition:all var(--duration-fast) var(--ease-out)}.chip.active,.chip:hover{background:var(--forest);border-color:var(--forest);color:var(--cream)}.spend-split-bar{display:flex;border:1px solid #cfc8b8;min-height:30px;margin-top:10px;overflow:hidden}.spend-segment{display:flex;align-items:center;justify-content:center;color:#fff;font-family:var(--font-mono);font-size:.76rem;font-weight:700;min-width:52px}.spend-needs{background:#2d5a47}.spend-wants{background:#8d6b3f}.spend-savings{background:#c45d3a}.allocation-amounts{margin-top:8px;display:flex;flex-wrap:wrap;gap:8px}.allocation-amounts span{border:1px solid #cbc3b3;background:#f9f3e6;padding:2px 8px;font-size:.78rem;color:var(--ink-muted)}.allocation-warning{padding:12px;background:#fbf2d8;border:2px solid #d0bc7f;margin-bottom:16px;color:#4b3a0a;font-size:.9rem;font-weight:600;font-family:var(--font-body)}.allocation-insight{margin-top:12px;border:1px solid #d8d1bf;background:#fffdf8;padding:12px}.allocation-insight h4{margin:0 0 8px;font-family:var(--font-display);font-size:1rem;font-weight:600;color:var(--ink)}.allocation-insight ul{margin:0 0 0 18px;color:var(--ink-muted);font-size:.85rem;line-height:1.5}.toggle-group{display:flex;gap:8px;background:transparent}.toggle-button{flex:1;padding:12px 16px;border:2px solid var(--border);background:var(--cream);cursor:pointer;font-weight:600;color:var(--ink);font-family:var(--font-body);font-size:.92rem;transition:all var(--duration-fast) var(--ease-out)}.toggle-button:hover{border-color:var(--forest);transform:translateY(-1px)}.toggle-button.active{background:var(--forest);color:var(--cream);border-color:var(--forest)}.results-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:20px}.result-card{background:#fffdf8;padding:24px;border:2px solid #d8d1bf;border-left:4px solid var(--forest);box-shadow:var(--ds-shadow-sm)}.result-card-title{font-family:var(--font-display);font-size:1.35rem;font-weight:600;color:var(--ink);margin-bottom:20px;text-align:center}.result-item{display:flex;justify-content:space-between;margin-bottom:16px;padding-bottom:12px;border-bottom:1px dashed #d8d1bf}.result-item:last-child{margin-bottom:0;padding-bottom:12px;padding-top:8px;border-bottom:none}.result-label{color:var(--ink-muted);font-size:.95rem;font-weight:500}.result-value{font-weight:700;color:var(--ink);font-size:1.02rem;font-family:var(--font-mono)}.result-value.highlight{color:var(--forest);font-size:1.15rem;font-weight:700}.split-options-wrap{display:grid;gap:16px}.split-options-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.split-option-card{border:2px solid #d8d1bf;border-left:4px solid var(--forest);background:#fffdf8;box-shadow:var(--ds-shadow-sm);padding:14px}.split-option-card.preferred{border-color:#cba36c;border-left-color:var(--terracotta);background:#fff8ec}.split-option-card h3{margin:0;font-family:var(--font-display);color:var(--ink);font-size:1.22rem;font-weight:600}.split-preference-button{margin:8px 0 10px;border:1px solid var(--border);background:var(--cream);color:var(--ink);padding:7px 10px;font-size:.8rem;font-weight:600;font-family:var(--font-body);cursor:pointer;transition:all var(--duration-fast) var(--ease-out)}.split-preference-button:hover{border-color:var(--forest);transform:translateY(-1px)}.split-preference-button.active{background:var(--terracotta);border-color:var(--terracotta);color:var(--cream)}.split-option-subtitle{margin:6px 0 10px;color:var(--ink-muted);font-size:.85rem;line-height:1.45}.split-option-row{display:flex;justify-content:space-between;gap:8px;margin-bottom:8px;font-size:.86rem;color:var(--ink-muted)}.split-option-row strong{color:var(--ink);font-family:var(--font-mono)}.split-option-row.emphasis{border-top:1px dashed #d8d1bf;padding-top:8px;margin-top:8px;color:var(--ink);font-weight:600}.split-option-note{margin:10px 0 0;font-size:.8rem;color:var(--ink-muted);line-height:1.5}.research-callout{border:2px solid #d8d1bf;border-left:4px solid var(--terracotta);background:#fffdf8;box-shadow:var(--ds-shadow-sm);padding:14px}.research-callout h4{margin:0 0 8px;font-family:var(--font-display);color:var(--ink);font-size:1.12rem;font-weight:600}.research-callout ul{margin:0 0 8px 18px;color:var(--ink-muted);font-size:.88rem;line-height:1.5}.research-callout a{color:var(--forest);font-size:.86rem;font-weight:600;text-decoration:underline}.outlook-score-card{border:2px solid #d8d1bf;border-left:4px solid var(--forest);background:#fffdf8;box-shadow:var(--ds-shadow-sm);padding:14px}.outlook-score-head{display:flex;justify-content:space-between;align-items:baseline;gap:10px;margin-bottom:8px}.outlook-score-head h4{margin:0;font-family:var(--font-display);font-size:1.2rem;color:var(--ink)}.outlook-score-value{font-family:var(--font-display);font-size:1.5rem;color:var(--forest);font-weight:700}.outlook-score-summary{margin:0 0 10px;color:var(--ink-muted);font-size:.9rem}.outlook-score-breakdown{margin:0 0 0 18px;color:var(--ink-muted);font-size:.86rem;line-height:1.5}.outlook-checklist{display:grid;gap:8px}.outlook-checklist-item{display:grid;grid-template-columns:24px 1fr auto;align-items:center;gap:10px;border:1px solid #d8d1bf;background:#fffdf8;padding:10px 12px}.outlook-checklist-item.done{background:#f1f7f4}.outlook-checklist-icon{font-weight:700;color:var(--forest)}.outlook-checklist-item a,.outlook-next-steps a{color:var(--forest);font-size:.85rem;font-weight:600;text-decoration:underline}.outlook-next-steps{margin:0 0 0 18px;color:var(--ink-muted);font-size:.9rem;line-height:1.6}@media (max-width: 768px){.input-group{flex-direction:column}.results-grid,.calculator-stepper{grid-template-columns:1fr}.step-actions{justify-content:stretch}.step-action-button{flex:1}.template-allocation-header{flex-direction:column;align-items:flex-start}.template-spectrum{grid-template-columns:1fr}.template-option{min-height:0}.split-options-grid{grid-template-columns:1fr}.outlook-checklist-item{grid-template-columns:24px 1fr}}.goal-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:14px}.goal-tab,.goal-tab-add{border:2px solid var(--border);background:var(--cream);color:var(--ink);font-family:var(--font-body);font-size:.9rem;font-weight:600;padding:8px 12px;cursor:pointer;transition:all var(--duration-fast) var(--ease-out)}.goal-tab:hover,.goal-tab-add:hover{border-color:var(--forest);transform:translateY(-1px)}.goal-tab.active{background:var(--forest);border-color:var(--forest);color:var(--cream)}.goal-layout{display:grid;grid-template-columns:1.1fr 1fr;gap:16px}.goal-builder{border:2px solid #d8d1bf;border-left:4px solid var(--forest);background:#fffdf8;box-shadow:var(--ds-shadow-sm);padding:20px}.goal-builder input[type=text],.goal-builder select{width:100%;padding:12px;border:2px solid var(--border);background:#fffdf8;font-family:var(--font-body);font-size:1rem;color:var(--ink)}.goal-builder input[type=text]:focus,.goal-builder select:focus{outline:none;border-color:var(--forest);box-shadow:0 0 0 3px #1a3a2f1f}.goal-builder-actions{display:flex;justify-content:space-between;margin-top:6px}.goal-empty{border:2px dashed var(--border);background:var(--cream);padding:20px;color:var(--ink-muted)}.goal-grid{display:grid;gap:16px}.goal-card{border:2px solid #d8d1bf;border-left:4px solid var(--forest);background:#fffdf8;box-shadow:var(--ds-shadow-sm);padding:18px}.goal-chart-wrap{margin:10px 0 6px}.goal-chart{width:100%;height:180px;background:#fff;border:1px solid #d8d1bf}.goal-axis{stroke:#bcb4a5;stroke-width:1}.goal-target-line{stroke:var(--terracotta);stroke-width:1.5;stroke-dasharray:5 4}.goal-line{fill:none;stroke:var(--forest);stroke-width:3}.goal-chart-labels{display:flex;justify-content:space-between;margin-top:6px;font-size:.78rem;color:var(--ink-muted)}.goal-card-head{display:flex;justify-content:space-between;gap:12px;margin-bottom:10px}.goal-card-head h3{margin:0;font-family:var(--font-display);font-size:1.3rem;font-weight:600;color:var(--ink)}.goal-card-head p{margin:2px 0 0;color:var(--ink-muted);font-size:.88rem}.goal-remove-button{border:1px solid #d4a692;background:#faece6;color:#6e2f1f;font-family:var(--font-body);font-size:.8rem;font-weight:600;padding:5px 9px;cursor:pointer;height:fit-content}.goal-progress{width:100%;height:10px;border:1px solid #cfc8b8;background:#fff;margin-top:6px;overflow:hidden}.goal-progress-fill{height:100%;background:linear-gradient(90deg,#4f8f73,#2d5a47)}.goal-progress-caption{margin-top:6px;color:var(--ink-muted);font-size:.82rem}.goal-metrics{margin-top:10px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.goal-metric{border:1px solid #cbc3b3;background:#f9f3e6;padding:8px}.goal-metric span{display:block;color:var(--ink-muted);font-size:.78rem;margin-bottom:2px}.goal-metric strong{color:var(--ink);font-family:var(--font-mono);font-size:.95rem}.goal-eta{margin-top:12px;border-top:1px dashed #d8d1bf;padding-top:10px}.goal-eta span{display:block;color:var(--ink-muted);font-size:.8rem;margin-bottom:2px}.goal-eta strong{color:var(--forest);font-size:.92rem}@media (max-width: 768px){.goal-layout{grid-template-columns:1fr}.goal-builder-actions{justify-content:stretch}.goal-builder-actions .step-action-button{flex:1}.goal-card-head{flex-direction:column;align-items:flex-start}.goal-metrics{grid-template-columns:1fr}}