:root{--bg:#faf6ef;--surface:#fff;--ink:#1a1a1a;--ink-soft:#2a2a2a;--mid:#666;--faint:#9a9080;--line:#e2dcd1;--line-soft:#ece6db;--accent:#1d3a5f;--accent-soft:#4a6a8f;--accent-bg:#eef2f7;--warning:#a84a1a;--warning-bg:#fbeee3;--success:#2e6e46;--radius-sm:6px;--radius-md:12px;--radius-lg:20px;--shadow-sm:0 1px 2px #1a1a1a0a;--shadow-md:0 4px 14px #1a1a1a0d;--ff-serif:"DM Serif Display", Georgia, serif;--ff-sans:"Inter", -apple-system, BlinkMacSystemFont, system-ui, sans-serif;--safe-top:env(safe-area-inset-top,0px);--safe-bottom:env(safe-area-inset-bottom,0px)}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html,body,#root{height:100%;min-height:100dvh}body{background:var(--bg);color:var(--ink);font-family:var(--ff-sans);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizelegibility;overscroll-behavior-y:contain;font-size:15px;font-weight:400;line-height:1.55}input,button,select,textarea{font-family:inherit;font-size:inherit;color:inherit}button{cursor:pointer;background:0 0;border:none}h1,h2,h3,h4{font-family:var(--ff-serif);letter-spacing:-.5px;color:var(--ink);font-weight:400}.app{max-width:560px;padding:calc(var(--safe-top) + 28px) 24px calc(var(--safe-bottom) + 40px);min-height:100dvh;margin:0 auto}.masthead{border-bottom:2px solid var(--ink);justify-content:space-between;align-items:flex-end;margin-bottom:32px;padding-bottom:14px;display:flex}.masthead .brand{font-family:var(--ff-serif);letter-spacing:-.5px;color:var(--ink);font-size:26px}.masthead .vol{letter-spacing:2px;color:var(--faint);text-transform:uppercase;font-size:10px;font-weight:600}.masthead .settings-btn{letter-spacing:2px;color:var(--faint);text-transform:uppercase;margin:-6px;padding:6px;font-size:10px;font-weight:600}.masthead .settings-btn:hover{color:var(--ink)}.hero-label{letter-spacing:3px;color:var(--faint);text-transform:uppercase;margin-bottom:8px;font-size:10px;font-weight:600}.hero-num{font-family:var(--ff-serif);letter-spacing:-2px;margin-bottom:10px;font-size:62px;line-height:.95}.hero-sub{font-family:var(--ff-serif);color:var(--mid);margin-bottom:12px;font-size:16px;font-style:italic;font-weight:400}.hero-rule{background:var(--accent);width:48px;height:2px;margin-bottom:32px}.section-head{justify-content:space-between;align-items:baseline;margin-bottom:16px;padding-top:6px;display:flex}.section-head h2{font-family:var(--ff-sans);letter-spacing:2.5px;color:var(--ink);text-transform:uppercase;font-size:11px;font-weight:700}.section-head .action{letter-spacing:1.2px;color:var(--accent);text-transform:uppercase;margin:-6px -4px;padding:6px 4px;font-size:11px;font-weight:600}.section-head .action:hover{color:var(--ink)}.debts{border-top:1px solid var(--line)}.debt{border-bottom:1px solid var(--line);cursor:pointer;justify-content:space-between;align-items:flex-start;gap:16px;padding:16px 0;transition:opacity .15s;display:flex}.debt:hover{opacity:.75}.debt-left{flex:1;min-width:0}.debt-name{font-family:var(--ff-serif);letter-spacing:-.3px;color:var(--ink);margin-bottom:4px;font-size:20px}.debt-meta{color:var(--mid);letter-spacing:.2px;font-size:12px;font-weight:400}.debt-meta .sep{color:var(--line);margin:0 6px}.debt-meta .warn{color:var(--warning);margin-left:8px;font-weight:500}.debt-bal{font-family:var(--ff-serif);letter-spacing:-.5px;text-align:right;color:var(--ink);white-space:nowrap;font-size:22px}.strategy{border:1px solid var(--line);background:var(--surface);margin-top:36px;padding:22px}.strategy-title{letter-spacing:3px;color:var(--faint);text-transform:uppercase;text-align:center;margin-bottom:14px;font-size:10px;font-weight:700}.strategy-rule{background:var(--line);height:1px;margin-bottom:18px}.strat-row{cursor:pointer;justify-content:space-between;align-items:flex-start;padding:12px 0;transition:opacity .15s;display:flex}.strat-row:hover{opacity:.8}.strat-row+.strat-row{border-top:1px solid var(--line-soft)}.strat-name{font-family:var(--ff-serif);color:var(--ink);align-items:center;gap:10px;font-size:18px;display:flex}.strat-name .tag{font-family:var(--ff-sans);letter-spacing:1.5px;text-transform:uppercase;color:var(--accent);border:1px solid var(--accent);vertical-align:middle;border-radius:2px;padding:2px 6px;font-size:9px;font-weight:600}.strat-name .tag.muted{color:var(--faint);border-color:var(--line)}.strat-detail{color:var(--mid);font-size:11px;font-style:italic;font-family:var(--ff-serif);margin-top:3px;font-weight:400}.strat-right{text-align:right}.strat-months{font-family:var(--ff-serif);color:var(--ink);letter-spacing:-.2px;font-size:18px}.strat-save{color:var(--accent);margin-top:2px;font-size:11px;font-weight:500}.strat-row.disabled{opacity:.55}.strat-row.disabled:hover{opacity:.7}.btn{border-radius:var(--radius-sm);letter-spacing:.1px;white-space:nowrap;justify-content:center;align-items:center;min-height:48px;padding:15px 22px;font-size:15px;font-weight:600;text-decoration:none;transition:background .15s,border-color .15s,color .15s;display:inline-flex}.btn.btn-primary{background:var(--ink);color:var(--bg);font-family:var(--ff-serif);letter-spacing:.3px;width:100%;margin-top:30px;font-size:17px;font-weight:400}.btn.btn-primary:hover{background:var(--ink-soft)}.btn.btn-ghost{color:var(--ink);border:1px solid var(--line);background:0 0;min-height:auto;padding:10px 14px;font-size:13px}.btn.btn-ghost:hover{border-color:var(--ink)}.btn.btn-accent{background:var(--accent);color:#fff;width:100%;margin-top:16px}.btn.btn-accent:hover{background:#16304d}.btn.btn-danger{color:var(--warning);border:1px solid var(--warning-bg);background:0 0}.btn.btn-danger:hover{background:var(--warning-bg)}.empty{text-align:center;border:1px dashed var(--line);margin:8px 0 30px;padding:48px 20px}.empty h3{font-family:var(--ff-serif);margin-bottom:8px;font-size:24px}.empty p{color:var(--mid);font-size:14px;font-family:var(--ff-serif);max-width:320px;margin-bottom:20px;margin-left:auto;margin-right:auto;font-style:italic}.modal-backdrop{z-index:100;background:#1a1a1a66;justify-content:center;align-items:flex-end;animation:.2s fadeIn;display:flex;position:fixed;inset:0}.modal{background:var(--bg);width:100%;max-width:560px;max-height:90vh;padding:28px 24px calc(var(--safe-bottom) + 28px);border-radius:20px 20px 0 0;animation:.25s slideUp;overflow-y:auto}.modal h2{font-family:var(--ff-serif);letter-spacing:-.5px;margin-bottom:8px;font-size:28px}.modal .modal-sub{font-family:var(--ff-serif);color:var(--mid);margin-bottom:24px;font-size:14px;font-style:italic}.modal-row{gap:10px;margin-top:20px;display:flex}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}@keyframes slideUp{0%{opacity:0;transform:translateY(40px)}to{opacity:1;transform:translateY(0)}}.field{margin-bottom:18px}.field-label{letter-spacing:2.5px;color:var(--faint);text-transform:uppercase;margin-bottom:8px;font-size:10px;font-weight:600;display:block}.field-input{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);width:100%;font-size:16px;font-family:var(--ff-sans);color:var(--ink);padding:12px 14px;transition:border-color .15s}.field-input:focus{border-color:var(--accent);outline:none}.field-input.prefixed{padding-left:28px}.field-prefix{color:var(--faint);pointer-events:none;font-weight:500;position:absolute;top:50%;left:14px;transform:translateY(-50%)}.field-suffix{color:var(--faint);pointer-events:none;font-weight:500;position:absolute;top:50%;right:14px;transform:translateY(-50%)}.field-wrap{align-items:center;display:flex;position:relative}.field-wrap .field-input{padding-top:36px;padding-bottom:14px;padding-left:14px;font-size:18px}.field-wrap .field-label-float{letter-spacing:2.5px;color:var(--faint);text-transform:uppercase;font-size:10px;font-weight:600;position:absolute;top:10px;left:14px}.upgrade-badge{letter-spacing:1.5px;text-transform:uppercase;color:var(--accent);border:1px solid var(--accent);border-radius:2px;align-items:center;gap:6px;padding:2px 8px;font-size:9px;font-weight:700;display:inline-flex}.upgrade-list{border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:8px 0;padding:12px 0 8px;list-style:none}.upgrade-list li{color:var(--ink);align-items:flex-start;gap:12px;padding:10px 0;font-size:14px;display:flex}.upgrade-list li:before{content:"✓";color:var(--accent);margin-top:1px;font-weight:700}.chart{width:100%;height:200px;margin:16px 0 24px}.chart path.line{fill:none;stroke:var(--accent);stroke-width:2px}.chart path.area{fill:var(--accent-bg);stroke:none}.chart .axis{stroke:var(--line);stroke-width:1px}.chart .axis-label{fill:var(--faint);font-size:10px;font-family:var(--ff-sans);letter-spacing:1px;text-transform:uppercase;font-weight:600}.schedule{border-top:1px solid var(--line);margin-top:8px;font-size:13px}.schedule-row{border-bottom:1px solid var(--line-soft);grid-template-columns:60px 1fr auto;align-items:baseline;gap:12px;padding:10px 0;display:grid}.schedule-row.group{font-family:var(--ff-serif);color:var(--ink);border-bottom:1px solid var(--line);background:0 0;padding:14px 0 6px;font-size:14px;font-style:italic}.schedule-month{color:var(--faint);letter-spacing:1px;text-transform:uppercase;font-size:11px;font-weight:600}.schedule-name{font-size:13px}.schedule-value{font-family:var(--ff-serif);text-align:right;font-size:14px}.row{align-items:center;gap:10px;display:flex}.spacer{flex:1}.muted{color:var(--mid)}.micro{letter-spacing:1px;text-transform:uppercase;color:var(--faint);font-size:11px;font-weight:600}.slider-block{background:var(--accent-bg);border-radius:var(--radius-md);margin:24px 0;padding:20px}.slider-block .slider-val{font-family:var(--ff-serif);color:var(--accent);margin-bottom:4px;font-size:28px}.slider-block .slider-sub{font-family:var(--ff-serif);color:var(--mid);margin-bottom:16px;font-size:13px;font-style:italic}.slider-block input[type=range]{-webkit-appearance:none;background:var(--accent-soft);outline:none;width:100%;height:2px}.slider-block input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;background:var(--accent);cursor:pointer;border-radius:50%;width:20px;height:20px}.slider-block input[type=range]::-moz-range-thumb{background:var(--accent);cursor:pointer;border:none;border-radius:50%;width:20px;height:20px}.slider-impact{border-top:1px solid var(--line);gap:20px;margin-top:16px;padding-top:16px;font-size:12px;display:flex}.slider-impact b{font-family:var(--ff-serif);color:var(--ink);margin-bottom:2px;font-size:16px;font-weight:400;display:block}.slider-impact span{color:var(--mid);letter-spacing:2px;text-transform:uppercase;font-size:10px;font-weight:600}.back{letter-spacing:1.5px;text-transform:uppercase;color:var(--accent);cursor:pointer;align-items:center;gap:6px;margin:-6px -4px 18px;padding:6px 4px;font-size:11px;font-weight:600;display:inline-flex}.back:hover{color:var(--ink)}