:root{--paper:#faf8f3;--surface:#fff;--ink:#1c1917;--muted:#6b655a;--hairline:#e7e0d3;--hairline-strong:#d9cfbd;--ledger:#102a43;--ledger-hover:#0f2338;--accent:#f25f3a;--link:#2563eb;--focus:#2563eb;--success:#166534;--danger:#b91c1c;--chart-blue:#2563eb;--chart-orange:#f25f3a;--chart-green:#10b981;--chart-purple:#8b5cf6;--chart-grid:#e7e0d3;--chart-tick:#777067;--chart-track:#eee7d8;--chip-success-bg:#dcfce7;--chip-success-fg:#166534;--chip-danger-bg:#fee2e2;--chip-danger-fg:#991b1b;--goals-track:#e2e8f0;--goals-grad:linear-gradient(90deg,#2563eb,#3b82f6);--header-wash:rgba(250,248,243,.92);--hover-wash:rgba(231,224,211,.45);--shadow:0 12px 32px rgba(28,25,23,.14);--shadow-sm:0 1px 2px rgba(28,25,23,.05),0 8px 24px rgba(28,25,23,.05);--ledger-2:#1e3a5f;--accent-hover:#d84e2c;--radius:12px;--radius-sm:6px;--radius-lg:12px;color-scheme:light}
*{box-sizing:border-box}html{scrollbar-gutter:stable}body{font-family:'Space Grotesk','Instrument Sans',system-ui,sans-serif;background:var(--paper);color:var(--ink);line-height:1.5;margin:0;font-size:15px}
a{color:var(--link)}
#app{max-width:1200px;margin:0 auto;padding:0 20px 40px}
.ledger-header{position:sticky;top:0;z-index:20;display:flex;align-items:center;justify-content:space-between;gap:16px;margin:0 -20px;padding:14px 20px 12px;background:var(--header-wash);backdrop-filter:blur(8px);border-bottom:1px solid var(--hairline)}
.ledger-header__brand{font-weight:700;letter-spacing:-.02em;font-size:15px;display:flex;align-items:center;gap:10px}
.ledger-header__brand small{font-weight:400;color:var(--muted);font-size:12px;letter-spacing:.08em;text-transform:uppercase}
.topbar-main{display:flex;align-items:center;gap:16px;width:100%}
.topnav{display:flex;align-items:center;gap:2px;flex:1;justify-content:center;flex-wrap:wrap}
.topnav a{padding:11px 16px;text-decoration:none;color:var(--muted);font-size:14px;font-weight:500;border-radius:999px;white-space:nowrap}
.topnav a:hover{color:var(--ink);background:var(--hover-wash)}
.topnav a.active{color:var(--ink);font-weight:700;background:var(--surface);box-shadow:inset 0 0 0 1px var(--hairline-strong)}
.nav-drop{position:relative}
.nav-drop__btn{font:inherit;display:inline-flex;align-items:center;gap:6px;padding:11px 16px;color:var(--muted);font-size:14px;font-weight:500;border:0;border-radius:999px;background:transparent;cursor:pointer;white-space:nowrap}
.nav-drop__btn:hover{color:var(--ink);background:var(--hover-wash)}
.nav-drop__btn.active{color:var(--ink);font-weight:700;background:var(--surface);box-shadow:inset 0 0 0 1px var(--hairline-strong)}
.nav-drop__chev{font-size:11px;line-height:1}
.nav-drop__panel{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%);min-width:280px;max-width:min(320px,calc(100vw - 32px));max-height:calc(100dvh - 120px);overflow:auto;background:var(--surface);border:1px solid var(--hairline);border-radius:12px;padding:6px;box-shadow:var(--shadow);z-index:30}
.nav-drop__panel a{display:block;padding:10px 12px;min-height:44px;border-radius:8px;text-decoration:none;color:inherit;white-space:normal}
.nav-drop__panel a:hover{background:var(--hover-wash)}
.nav-drop__panel a.active{background:var(--paper);box-shadow:inset 0 0 0 1px var(--hairline-strong)}
.nav-drop__title{display:block;font-weight:700;font-size:14px;color:var(--ink)}
.nav-drop__desc{display:block;font-size:12px;color:var(--muted)}
.topnav__section{display:none}
.locale-group{display:flex;gap:6px;margin-left:auto;flex:none}
.locale-group select{width:auto;padding:6px 8px;font-size:12.5px}
.theme-toggle{width:auto;padding:6px 8px;font-size:12.5px;background:var(--surface);color:var(--ink);border-color:var(--hairline-strong);white-space:nowrap}
.theme-toggle:hover{background:var(--paper)}
.menu-toggle{display:none}
@media(min-width:1025px) and (max-width:1150px){.ledger-header__brand small{display:none}.topnav a,.nav-drop__btn{padding:8px 12px}.locale-group select{padding:6px 6px;font-size:12px}.locale-group .theme-toggle{padding:6px 6px;font-size:12px}}
main{min-width:0;margin-top:18px}
.page-head h1{font-size:22px;letter-spacing:-.02em;font-weight:700}
.page-head p{color:var(--muted);font-size:13px;margin-top:4px}
.crumbs{display:flex;align-items:center;gap:6px;flex-wrap:wrap;font-size:12.5px;color:var(--muted);margin:0 0 8px}
.results-anchor{scroll-margin-top:90px}
#method{scroll-margin-top:90px}
.trust-row a{color:inherit;text-decoration:none}
.card{background:var(--surface);border:1px solid var(--hairline);border-radius:var(--radius);padding:16px 18px;margin-bottom:14px;box-shadow:var(--shadow-sm)}
.summary-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin-bottom:16px}
.amount{font-family:ui-monospace,monospace;font-size:20px;font-weight:600;letter-spacing:-.02em}
.smallcaps{font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--muted)}
.ledger-table-wrap{overflow-x:auto;border:1px solid var(--hairline);border-radius:var(--radius);background:var(--surface)}
table{width:100%;border-collapse:separate;border-spacing:0}
th,td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--hairline);font-size:13.5px}
th{background:var(--paper);font-size:11px;letter-spacing:.06em;text-transform:uppercase;font-weight:700;color:var(--muted)}
tbody tr:hover{background:var(--hover-wash)}
.num{font-family:ui-monospace,monospace;text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
input,select{font:inherit;padding:8px 10px;border:1px solid var(--hairline-strong);border-radius:6px;background:var(--surface);width:100%}
input:focus-visible,select:focus-visible{border-color:var(--focus)}
button{font:inherit;padding:9px 14px;background:var(--ledger);color:#fff;border:1px solid var(--ledger);border-radius:999px;cursor:pointer;font-size:13.5px;font-weight:600}
button:hover{background:var(--ledger-hover)}button:disabled{opacity:.5;cursor:not-allowed}
.btn-ghost{background:var(--surface);color:var(--ink);border-color:var(--hairline-strong)}
.btn-ghost:hover{background:var(--paper)}.btn-sm{padding:6px 12px;font-size:12px}
.muted{color:var(--muted)}
.btn-danger{background:var(--danger);border-color:var(--danger)}
.btn-danger:hover{background:var(--danger);filter:brightness(.92)}
.btn-danger:disabled{filter:none}
.ledger-io{margin:14px 0}
.rows-head{margin:0 0 8px;font-size:14px}
.io-actions{display:flex;gap:8px;align-items:center}
.io-textarea{width:100%;min-height:96px;font-family:ui-monospace,monospace;font-size:12px;margin-top:8px}
.io-preview{margin-top:10px;padding:10px 12px;border:1px dashed var(--hairline-strong);border-radius:8px;background:var(--paper)}
.io-errors{margin:6px 0 0;padding-left:20px;font-size:13px;color:var(--danger)}
.io-status{font-size:13px;color:var(--success)}
.menu-icon{display:block;width:20px;height:14px;position:relative}
.menu-icon::before,.menu-icon::after{content:'';position:absolute;left:0;width:100%;height:2px;background:currentColor;box-shadow:0 6px 0 currentColor}
.menu-icon::before{top:0}
.menu-icon::after{bottom:0}
.menu-icon.open::before{top:6px;transform:rotate(45deg);box-shadow:none}
.menu-icon.open::after{bottom:6px;transform:rotate(-45deg)}
@media(max-width:1024px){.topbar-main{flex-wrap:wrap;gap:10px}.menu-toggle{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;padding:0;flex:none;order:3}.ledger-header__brand{flex:1 1 auto;min-width:0;order:1}.locale-group{margin-left:auto;order:2}.topnav{flex-basis:100%;order:4}.js .topnav{display:none}.js .topnav.open{display:flex;flex-direction:column;align-items:stretch;flex-basis:100%;gap:4px;max-height:calc(100dvh - 160px);overflow:auto}.topnav a{text-align:left;min-height:44px;display:flex;align-items:center}.nav-drop{display:none}.topnav__section{display:flex;flex-direction:column;gap:4px}.topnav__label{font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--muted);padding:8px 12px 0}.topnav a.sub{padding-left:24px}}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--ledger);color:#fff;padding:10px 16px;border-radius:0 0 8px 0;z-index:50}
.skip-link:focus{left:0;color:#fff}
:focus-visible{outline:2px solid var(--focus);outline-offset:2px}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.noscript{max-width:720px;margin:40px auto;padding:16px 18px;background:var(--surface);border:1px solid var(--hairline);border-radius:10px}
.entry-grid{display:grid;gap:8px;margin-bottom:8px;align-items:end;grid-template-columns:repeat(var(--cols,3),minmax(0,1fr)) auto}
.entry-grid label{display:flex;flex-direction:column;gap:4px;font-size:13px}
.entry-remove{align-self:end}
.suggest-list{position:absolute;z-index:10;left:0;right:0;margin:2px 0 0;padding:0;list-style:none;background:var(--surface);border:1px solid var(--hairline);border-radius:8px;max-height:180px;overflow:auto}
.suggest-list li{padding:6px 10px;cursor:pointer;font-size:13px}
.hero{padding:28px 24px;background:linear-gradient(135deg,var(--ledger) 0%,var(--ledger-2) 100%);border-color:transparent;color:#fff}
.hero .muted{color:rgba(255,255,255,.78)}
.hero .smallcaps{color:rgba(255,255,255,.65)}
.hero .hero-cta button{background:var(--accent);border-color:var(--accent)}
.hero .hero-cta button:hover{background:var(--accent-hover)}
.hero .hero-cta .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.hero .hero-cta .btn-ghost:hover{background:rgba(255,255,255,.12)}
.hero h1{font-size:30px;letter-spacing:-.02em;margin:6px 0 8px}
.hero-sub{font-size:15px;max-width:640px}
.hero-cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.steps{margin:8px 0 0;padding-left:20px;display:grid;gap:10px}
.howto summary{cursor:pointer;font-weight:600;font-size:14px}
.market-tools summary{cursor:pointer;font-weight:700;font-size:14px}
.howto ol{margin:8px 0 0;padding-left:20px;display:grid;gap:6px;font-size:13.5px}
.site-footer{margin-top:28px;border-top:1px solid var(--hairline);padding:16px 4px 10px}
.site-footer__bar{display:flex;align-items:baseline;gap:6px 20px;flex-wrap:wrap}
.site-footer__brand{display:flex;align-items:baseline;gap:8px;font-size:13px}
.site-footer nav{display:flex;align-items:center;gap:2px 4px;flex-wrap:wrap;font-size:13px;margin-left:auto}
.site-footer nav a{padding:6px 8px;border-radius:999px;text-decoration:none}
.site-footer nav a:hover{background:var(--hover-wash)}
.site-footer__label{font-size:11px;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--muted);margin:0 2px 0 10px}
.site-footer__note{font-size:11.5px;color:var(--muted);margin:10px 0 0;max-width:80ch}
.info-tip{display:inline-flex;align-items:center;justify-content:center;width:16px;height:16px;border-radius:50%;background:var(--hairline);color:var(--muted);font-size:11px;cursor:help;position:relative}
.info-tip:hover::after,.info-tip:focus::after{content:attr(data-tip);position:absolute;bottom:130%;left:50%;transform:translateX(-50%);width:220px;background:var(--ink);color:#fff;font-size:12px;padding:8px 10px;border-radius:8px;z-index:30;white-space:normal}
.pill-up,.pill-down{display:inline-block;padding:2px 10px;border-radius:999px;font-size:12px;font-weight:700;white-space:nowrap}
.pill-up{background:var(--chip-success-bg);color:var(--chip-success-fg)}
.pill-down{background:var(--chip-danger-bg);color:var(--chip-danger-fg)}
.mom-positive{color:var(--success);font-weight:600}
.mom-positive::before{content:'▲ '}
.mom-negative{color:var(--danger);font-weight:600}
.mom-negative::before{content:'▼ '}
@media(max-width:860px){.entry-grid{grid-template-columns:1fr 1fr}.entry-remove{grid-column:1/-1;justify-self:start}.hero h1{font-size:24px}.site-footer nav{margin-left:0}}
@media(max-width:560px){.entry-grid{grid-template-columns:1fr}.ledger-header__brand{flex:1 1 auto;min-width:0;order:1}.ledger-header__brand small{display:none}.menu-toggle{order:2;margin-left:auto}.locale-group{order:3;flex-basis:100%;margin-left:0;flex-wrap:wrap}.locale-group select{padding:6px 4px;font-size:12px;max-width:76px}.locale-group .theme-toggle{padding:6px 4px;font-size:12px}}
@media print{.topnav,.locale-group,.menu-toggle,.site-footer,.hero-cta,.skip-link{display:none!important}.card{break-inside:avoid;border-color:#ccc;box-shadow:none;background:#fff!important}body{background:#fff;color:#1c1917}.muted,.smallcaps{color:#6b655a!important}a{color:#2563eb!important}th{background:#faf8f3!important}.ledger-header{position:static}.hero{background:#fff!important;color:#1c1917}.hero .muted{color:#6b655a}.hero .smallcaps{color:#6b655a}}
[data-theme="dark"]{color-scheme:dark;--paper:#14110e;--surface:#1f1b16;--ink:#f2ede3;--muted:#a79b88;--hairline:#38312a;--hairline-strong:#524639;--ledger:#ece4d4;--ledger-hover:#ffffff;--accent:#ff7a59;--accent-hover:#ff8a6a;--link:#7aa5ff;--focus:#7aa5ff;--success:#4ade80;--danger:#f87171;--chart-blue:#6ea8ff;--chart-orange:#ff7a59;--chart-green:#34d399;--chart-purple:#a78bfa;--chart-grid:#38312a;--chart-tick:#a79b88;--chart-track:#38312a;--chip-success-bg:rgba(74,222,128,.14);--chip-success-fg:#6ee7a8;--chip-danger-bg:rgba(248,113,113,.14);--chip-danger-fg:#fca5a5;--goals-track:#38312a;--goals-grad:linear-gradient(90deg,#6ea8ff,#a78bfa);--header-wash:rgba(20,17,14,.9);--hover-wash:rgba(236,228,212,.08);--shadow:0 12px 32px rgba(0,0,0,.5);--shadow-sm:0 1px 2px rgba(0,0,0,.4),0 8px 24px rgba(0,0,0,.35)}
[data-theme="dark"] button{color:#1c1917}
[data-theme="dark"] .btn-ghost,[data-theme="dark"] .nav-drop__btn,[data-theme="dark"] .theme-toggle{color:var(--ink)}
[data-theme="dark"] .menu-toggle{color:var(--ink);background:transparent;border-color:transparent}
[data-theme="dark"] .hero{background:linear-gradient(135deg,#2b251c,#1f1b16);border-color:var(--hairline)}
[data-theme="dark"] .hero .hero-cta button{color:#1c1917}
[data-theme="dark"] .skip-link,[data-theme="dark"] .skip-link:focus{color:#1c1917}
[data-theme="dark"] .info-tip:hover::after,[data-theme="dark"] .info-tip:focus::after{color:#1c1917}
.hero-proof{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:14px}
.hero-widget{margin:0}
.question-list{margin:8px 0 0;padding-left:20px;display:grid;gap:8px;font-size:15px}
.trust-row{display:flex;gap:8px;flex-wrap:wrap}
.trust-badge{display:inline-block;font-size:12px;font-weight:600;background:var(--paper);border:1px solid var(--hairline);border-radius:999px;padding:4px 12px}
.faq{margin-bottom:8px}
.faq summary{cursor:pointer;font-weight:600;font-size:14px}
.faq p{margin:6px 0 0}
@media(max-width:860px){.hero-proof{grid-template-columns:1fr}.hero-widget{order:-1}}