:root {
      --ink: #1c2a2e;
      --ink-soft: #3d4f55;
      --mist: #e8f0f1;
      --paper: #f7faf9;
      --sea: #2f6f6a;
      --sea-deep: #1e4a47;
      --foam: #a8d4cf;
      --sand: #d4c4a8;
      --coral: #c45c48;
      --paid: #2f6f6a;
      --due: #b8860b;
      --missed: #c45c48;
      --future: #8a9a9e;
      --zeroed: #7a8f8c;
      --line: rgba(28, 42, 46, 0.12);
      --shadow: 0 18px 40px rgba(30, 74, 71, 0.08);
      --radius: 14px;
      --font-display: "Fraunces", Georgia, serif;
      --font-body: "Outfit", sans-serif;
    }

    * { box-sizing: border-box; }

    html { scroll-behavior: smooth; }

    body {
      margin: 0;
      min-height: 100vh;
      color: var(--ink);
      font-family: var(--font-body);
      font-weight: 400;
      line-height: 1.5;
      background:
        radial-gradient(1200px 600px at 10% -10%, rgba(168, 212, 207, 0.55), transparent 55%),
        radial-gradient(900px 500px at 100% 0%, rgba(212, 196, 168, 0.4), transparent 50%),
        linear-gradient(165deg, #f3f8f7 0%, var(--paper) 45%, #eef4f3 100%);
      background-attachment: fixed;
    }

    body::before {
      content: "";
      position: fixed;
      inset: 0;
      pointer-events: none;
      opacity: 0.035;
      background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
      z-index: 0;
    }

    .wrap {
      position: relative;
      z-index: 1;
      width: min(1120px, calc(100% - 2rem));
      margin: 0 auto;
      padding: 2.5rem 0 4rem;
    }

    /* Entrance motion */
    @keyframes rise {
      from { opacity: 0; transform: translateY(16px); }
      to { opacity: 1; transform: translateY(0); }
    }

    @keyframes draw {
      from { transform: scaleX(0); }
      to { transform: scaleX(1); }
    }

    .top-bar {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 0.75rem 1.25rem;
      margin-bottom: 1.5rem;
      animation: rise 0.5s ease both;
    }

    .top-bar .brand {
      font-family: var(--font-display);
      font-size: 1.45rem;
      font-weight: 700;
      letter-spacing: -0.02em;
      line-height: 1.1;
      color: var(--sea-deep);
      margin: 0;
    }

    .brand-block {
      animation: rise 0.7s ease both;
      margin-bottom: 1.75rem;
    }

    .brand-block .brand {
      font-family: var(--font-display);
      font-size: clamp(2.8rem, 7vw, 4.5rem);
      font-weight: 700;
      letter-spacing: -0.03em;
      line-height: 0.95;
      color: var(--sea-deep);
      margin: 0;
    }

    .brand-rule {
      display: block;
      width: 4.5rem;
      height: 3px;
      margin: 0.9rem 0 1rem;
      background: linear-gradient(90deg, var(--sea), var(--sand));
      transform-origin: left;
      animation: draw 0.8s 0.25s ease both;
      border-radius: 2px;
    }

    .tagline {
      margin: 0;
      max-width: 28rem;
      font-size: 1.05rem;
      font-weight: 300;
      color: var(--ink-soft);
    }

    :focus { outline: none; }

    :focus-visible {
      outline: 2px solid var(--sea);
      outline-offset: 2px;
    }

    input:focus-visible,
    select:focus-visible,
    textarea:focus-visible {
      outline: 2px solid var(--sea);
      outline-offset: 1px;
      border-color: var(--sea);
      background: #fff;
    }

    button:focus-visible,
    .btn-primary:focus-visible,
    .btn-ghost:focus-visible {
      outline: 2px solid var(--sea);
      outline-offset: 2px;
    }

    .inputs {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0.9rem;
    }

    @media (max-width: 820px) {
      .inputs { grid-template-columns: repeat(2, 1fr); }
    }

    @media (max-width: 480px) {
      .inputs { grid-template-columns: 1fr; }
    }

    label {
      display: flex;
      flex-direction: column;
      gap: 0.4rem;
      font-size: 0.78rem;
      font-weight: 500;
      letter-spacing: 0.04em;
      text-transform: uppercase;
      color: var(--ink-soft);
    }

    input[type="number"],
    input[type="date"],
    input[type="month"],
    select {
      appearance: none;
      width: 100%;
      border: 1px solid var(--line);
      background: rgba(255, 255, 255, 0.72);
      backdrop-filter: blur(8px);
      border-radius: 10px;
      padding: 0.85rem 0.95rem;
      font: inherit;
      font-size: 1rem;
      font-weight: 500;
      color: var(--ink);
      transition: border-color 0.2s, background 0.2s, transform 0.2s;
    }

    input:focus,
    select:focus {
      border-color: var(--sea);
      background: #fff;
    }

    .actions {
      display: flex;
      flex-wrap: wrap;
      gap: 0.75rem;
      align-items: center;
    }

    button,
    .btn-primary,
    .btn-ghost {
      font: inherit;
      cursor: pointer;
      border: none;
      border-radius: 10px;
      padding: 0.85rem 1.25rem;
      font-weight: 500;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      text-decoration: none;
      transition: transform 0.15s ease, background 0.2s, opacity 0.2s;
    }

    button:active,
    .btn-primary:active,
    .btn-ghost:active {
      transform: scale(0.98);
    }

    .btn-primary {
      background: var(--sea);
      color: #fff;
    }

    .btn-primary:hover { background: var(--sea-deep); }

    .btn-ghost {
      background: transparent;
      color: var(--ink-soft);
      border: 1px solid var(--line);
    }

    .btn-ghost:hover {
      background: rgba(255, 255, 255, 0.6);
      color: var(--ink);
    }

    .hint {
      font-size: 0.85rem;
      color: var(--ink-soft);
    }

    .dashboard {
      display: none;
      animation: rise 0.55s ease both;
    }

    .dashboard.visible { display: block; }

    .year-strip {
      display: grid;
      grid-template-columns: 1.5fr 1.3fr repeat(2, 1fr);
      gap: 0.85rem;
      padding: 1.1rem 1.25rem 1.25rem;
    }

    @media (max-width: 900px) {
      .year-strip { grid-template-columns: 1fr 1fr; }
    }

    @media (max-width: 520px) {
      .year-strip { grid-template-columns: 1fr; }
    }

    .stat {
      padding: 1rem 1.1rem;
      border-radius: var(--radius);
      border: none;
      background: transparent;
    }

    .stat.quiet .value {
      font-size: clamp(1.15rem, 2.4vw, 1.45rem);
      font-weight: 500;
      color: var(--ink-soft);
    }

    .stat.highlight {
      background: linear-gradient(145deg, var(--sea-deep), var(--sea));
      color: #fff;
      border: none;
      box-shadow: var(--shadow);
      padding: 1.25rem 1.35rem;
    }

    .stat.next-up {
      border: 1px solid var(--line);
      background: rgba(255, 255, 255, 0.72);
      backdrop-filter: blur(10px);
      box-shadow: 0 8px 24px rgba(30, 74, 71, 0.06);
    }

    .stat .label {
      font-size: 0.75rem;
      letter-spacing: 0.05em;
      text-transform: uppercase;
      opacity: 0.75;
      margin-bottom: 0.35rem;
    }

    .stat .value {
      font-family: var(--font-display);
      font-size: clamp(1.4rem, 3vw, 1.85rem);
      font-weight: 700;
      letter-spacing: -0.02em;
      line-height: 1.15;
    }

    .stat .sub {
      margin-top: 0.35rem;
      font-size: 0.82rem;
      opacity: 0.8;
    }

    .stat.highlight .label,
    .stat.highlight .sub { opacity: 0.85; color: var(--foam); }

    .tabs {
      display: flex;
      gap: 0.35rem;
      margin-bottom: 1.25rem;
      border-bottom: 1px solid var(--line);
      padding-bottom: 0.35rem;
      overflow-x: auto;
    }

    .hidden {
      display: none !important;
    }

    .tab {
      background: transparent;
      color: var(--ink-soft);
      padding: 0.65rem 1rem;
      border-radius: 8px 8px 0 0;
      white-space: nowrap;
    }

    .tab:hover { color: var(--ink); background: rgba(255,255,255,0.4); }

    .tab.active {
      color: var(--sea-deep);
      background: rgba(255, 255, 255, 0.7);
      font-weight: 600;
      box-shadow: inset 0 -2px 0 var(--sea);
    }

    .panel {
      display: none;
      animation: rise 0.4s ease both;
    }

    .panel.active { display: block; }

    .panel-surface {
      border: 1px solid var(--line);
      background: rgba(255, 255, 255, 0.78);
      backdrop-filter: blur(12px);
      border-radius: var(--radius);
      box-shadow: 0 10px 28px rgba(30, 74, 71, 0.06);
      overflow: hidden;
    }

    .cal-hint {
      padding: 0 1.25rem 0.85rem;
      margin: 0;
      font-size: 0.8rem;
      color: var(--ink-soft);
    }

    .panel-head {
      display: flex;
      flex-wrap: wrap;
      justify-content: space-between;
      align-items: center;
      gap: 0.75rem;
      padding: 1rem 1.25rem;
      border-bottom: 1px solid var(--line);
    }

    .panel-head h2 {
      margin: 0;
      font-family: var(--font-display);
      font-size: 1.35rem;
      font-weight: 500;
    }

    .panel-head .hint {
      display: block;
      margin-top: 0.2rem;
    }

    .cal-nav {
      display: flex;
      align-items: center;
      gap: 0.5rem;
    }

    .cal-nav button {
      width: 2.25rem;
      height: 2.25rem;
      padding: 0;
      display: grid;
      place-items: center;
      background: var(--mist);
      color: var(--sea-deep);
    }

    .cal-nav button:hover { background: var(--foam); }

    .month-label {
      min-width: 5rem;
      text-align: center;
      font-weight: 500;
      font-size: 1.1rem;
    }

    .calendar-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 1px;
      background: var(--line);
      padding: 1px;
    }

    @media (max-width: 820px) {
      .calendar-grid { grid-template-columns: repeat(3, 1fr); }
    }

    @media (max-width: 520px) {
      .calendar-grid { grid-template-columns: repeat(2, 1fr); }
    }

    .month-cell {
      min-height: 5.75rem;
      background: #fff;
      padding: 0.85rem 0.8rem;
      display: flex;
      flex-direction: column;
      gap: 0.4rem;
    }

    .month-cell.empty {
      background: rgba(247, 250, 249, 0.7);
      color: var(--future);
    }

    .month-cell.current {
      box-shadow: inset 0 0 0 2px var(--sea);
    }

    .month-name {
      font-family: var(--font-display);
      font-size: 1.05rem;
      font-weight: 500;
      color: var(--sea-deep);
    }

    .month-cell.empty .month-name { color: var(--future); }

    .pay-chip {
      margin-top: auto;
      padding: 0.45rem 0.55rem;
      border-radius: 8px;
      font-size: 0.72rem;
      line-height: 1.25;
      cursor: pointer;
      border: 1px solid transparent;
      text-align: left;
      transition: transform 0.15s, background 0.2s, box-shadow 0.15s;
      width: 100%;
      font-family: inherit;
      display: flex;
      flex-direction: column;
      gap: 0.15rem;
    }

    .pay-chip:hover { transform: translateY(-1px); }

    .pay-chip.paid {
      background: rgba(47, 111, 106, 0.12);
      color: var(--paid);
      border-color: rgba(47, 111, 106, 0.2);
    }

    .pay-chip.due {
      background: rgba(184, 134, 11, 0.16);
      color: #7a5806;
      border-color: rgba(184, 134, 11, 0.3);
    }

    .pay-chip.missed {
      background: rgba(196, 92, 72, 0.12);
      color: var(--missed);
      border-color: rgba(196, 92, 72, 0.25);
    }

    .pay-chip.future {
      background: rgba(138, 154, 158, 0.14);
      color: #5f6e72;
    }

    .pay-chip.extra {
      background: rgba(212, 196, 168, 0.35);
      color: #6a5530;
      border-color: rgba(180, 150, 100, 0.35);
    }

    .pay-chip.extra.paid {
      background: rgba(47, 111, 106, 0.12);
      color: var(--paid);
      border-color: rgba(47, 111, 106, 0.2);
    }

    .pay-chip strong {
      display: block;
      font-weight: 600;
      font-size: 0.95rem;
      color: inherit;
    }

    .pay-chip .chip-status {
      font-weight: 500;
      letter-spacing: 0.02em;
      text-transform: capitalize;
    }

    .pay-chip .chip-hint {
      opacity: 0.7;
      font-size: 0.68rem;
    }

    .month-chips {
      margin-top: auto;
      display: flex;
      flex-direction: column;
      gap: 0.35rem;
    }

    .month-chips .pay-chip { margin-top: 0; }

    .month-empty-note {
      margin-top: auto;
      font-size: 0.8rem;
      color: var(--future);
    }

    .legend {
      display: flex;
      flex-wrap: wrap;
      gap: 0.85rem;
      padding: 0.9rem 1.25rem;
      font-size: 0.8rem;
      color: var(--ink-soft);
      border-top: 1px solid var(--line);
    }

    .legend span::before {
      content: "";
      display: inline-block;
      width: 0.55rem;
      height: 0.55rem;
      border-radius: 50%;
      margin-right: 0.35rem;
      vertical-align: middle;
    }

    .legend .l-paid::before { background: var(--paid); }
    .legend .l-due::before { background: var(--due); }
    .legend .l-missed::before { background: var(--missed); }
    .legend .l-future::before { background: var(--future); }
    .legend .l-extra::before { background: #c4a574; }

    tbody tr.extra-row {
      background: rgba(212, 196, 168, 0.18);
    }

    tbody tr.extra-row:hover {
      background: rgba(212, 196, 168, 0.28);
    }

    .type-pill {
      display: inline-block;
      font-size: 0.68rem;
      font-weight: 600;
      letter-spacing: 0.04em;
      text-transform: uppercase;
      color: #6a5530;
      background: rgba(212, 196, 168, 0.45);
      padding: 0.15rem 0.4rem;
      border-radius: 4px;
    }

    .btn-label-short { display: none; }
    .pay-cards { display: none; }

    .extra-disclosure {
      position: relative;
    }

    .extra-disclosure > summary {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 0.35rem;
      cursor: pointer;
      list-style: none;
      user-select: none;
      border: none;
      border-radius: 10px;
      color: #fff;
    }

    .extra-disclosure > summary::-webkit-details-marker,
    .extra-disclosure > summary::marker {
      display: none;
      content: "";
    }

    .extra-disclosure[open] > summary {
      background: var(--sea-deep);
    }

    .extra-disclosure .extra-form {
      position: absolute;
      right: 0;
      top: calc(100% + 0.4rem);
      z-index: 5;
      min-width: min(22rem, calc(100vw - 2.5rem));
      padding: 0.85rem;
      border: 1px solid var(--line);
      border-radius: 12px;
      background: rgba(255, 255, 255, 0.98);
      box-shadow: var(--shadow);
    }

    .extra-form {
      display: flex;
      flex-wrap: wrap;
      gap: 0.5rem;
      align-items: end;
    }

    .extra-form label {
      flex: 1 1 8rem;
      min-width: 7rem;
    }

    .extra-form label.amount {
      flex: 0 1 8rem;
    }

    .extra-form input {
      padding: 0.55rem 0.7rem;
      font-size: 0.95rem;
    }

    .extra-form .btn-primary {
      padding: 0.55rem 0.95rem;
      white-space: nowrap;
    }

    .extras-editor {
      margin: 0 0 1.1rem;
      padding: 0.85rem 0.95rem;
      border: 1px solid var(--line);
      border-radius: 10px;
      background: rgba(255, 255, 255, 0.55);
    }

    .extras-editor.hidden { display: none; }

    .extras-editor h3 {
      margin: 0 0 0.65rem;
      font-family: var(--font-display);
      font-size: 1.05rem;
      font-weight: 500;
      color: var(--sea-deep);
    }

    .share-editor {
      margin: 0 0 1.1rem;
      padding: 0.85rem 0.95rem;
      border: 1px solid var(--line);
      border-radius: 10px;
      background: rgba(255, 255, 255, 0.55);
    }

    .share-editor.hidden { display: none; }

    .share-panel h3 {
      margin: 0 0 0.4rem;
      font-family: var(--font-display);
      font-size: 1.05rem;
      font-weight: 500;
      color: var(--sea-deep);
    }

    .share-panel h4 {
      margin: 0.85rem 0 0.4rem;
      font-size: 0.85rem;
      font-weight: 600;
      color: var(--ink-soft);
      text-transform: uppercase;
      letter-spacing: 0.04em;
    }

    .share-help,
    .share-meta {
      margin: 0 0 0.65rem;
      font-size: 0.85rem;
      color: var(--ink-soft);
      line-height: 1.4;
    }

    .share-invite-fresh {
      display: grid;
      gap: 0.5rem;
      margin-bottom: 0.65rem;
    }

    .share-link-label {
      display: grid;
      gap: 0.3rem;
      font-size: 0.85rem;
      color: var(--ink-soft);
    }

    .share-link-label input {
      font-size: 0.85rem;
      width: 100%;
    }

    .share-generate-btn {
      width: fit-content;
    }

    .share-collab-list {
      list-style: none;
      margin: 0;
      padding: 0;
      display: grid;
      gap: 0.35rem;
    }

    .share-collab-list li {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 0.75rem;
      font-size: 0.9rem;
      padding: 0.3rem 0;
      border-bottom: 1px solid var(--line);
    }

    .share-collab-list li:last-child { border-bottom: none; }

    .extras-list {
      list-style: none;
      margin: 0;
      padding: 0;
      display: grid;
      gap: 0.4rem;
    }

    .extras-list li {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 0.75rem;
      font-size: 0.9rem;
      padding: 0.35rem 0;
      border-bottom: 1px solid var(--line);
    }

    .extras-list li:last-child { border-bottom: none; }

    .extras-list .muted { color: var(--ink-soft); }

    .extras-empty {
      margin: 0;
      font-size: 0.85rem;
      color: var(--ink-soft);
    }

    .table-wrap {
      --table-head-h: 2.5rem;
      overflow: auto;
      max-height: min(62vh, 640px);
    }

    table.payments-table,
    .table-wrap table {
      width: 100%;
      border-collapse: separate;
      border-spacing: 0;
      table-layout: fixed;
      font-size: 0.9rem;
    }

    col.col-num { width: 5.5rem; }
    col.col-date { width: 9.5rem; }
    col.col-money { width: auto; }
    col.col-status { width: 12.5rem; }

    th, td {
      padding: 0.7rem 0.9rem;
      text-align: right;
      border-bottom: 1px solid var(--line);
      white-space: nowrap;
      overflow: hidden;
      text-overflow: ellipsis;
    }

    th.cell-text,
    td.cell-text { text-align: left; }

    th.cell-status,
    td.cell-status { text-align: right; }

    thead th {
      position: sticky;
      top: 0;
      background: #eef5f4;
      font-size: 0.72rem;
      letter-spacing: 0.05em;
      text-transform: uppercase;
      color: var(--ink-soft);
      z-index: 3;
    }

    tbody tr { transition: background 0.15s; }
    tbody tr:hover { background: rgba(168, 212, 207, 0.18); }
    tbody tr.paid-row { background: rgba(47, 111, 106, 0.06); }
    tbody tr.current-year td:first-child {
      box-shadow: inset 3px 0 0 var(--sea);
    }

    tbody tr.zeroed-row {
      background: rgba(122, 143, 140, 0.1);
      color: var(--ink-soft);
    }

    tbody tr.zeroed-row:hover {
      background: rgba(122, 143, 140, 0.16);
    }

    tbody tr.zeroed-row.paid-row {
      background: rgba(122, 143, 140, 0.08);
    }

    tbody tr.zeroed-row td:first-child {
      box-shadow: inset 3px 0 0 var(--zeroed);
    }

    tbody tr.zeroed-row.current-year td:first-child {
      box-shadow: inset 3px 0 0 var(--zeroed);
    }

    tbody tr.year-summary {
      font-weight: 600;
    }

    tbody tr.year-summary td {
      position: sticky;
      top: var(--table-head-h);
      z-index: 2;
      background: #e4eceb;
      border-top: 1px solid rgba(30, 74, 71, 0.18);
      border-bottom: 1px solid rgba(30, 74, 71, 0.16);
      padding-top: 0.85rem;
      padding-bottom: 0.85rem;
      box-shadow: 0 1px 0 rgba(30, 74, 71, 0.06);
    }

    tbody tr.year-summary:hover td {
      background: #dce7e5;
    }

    tbody tr.year-summary.current-year td:first-child {
      box-shadow: inset 3px 0 0 var(--sea), 0 1px 0 rgba(30, 74, 71, 0.06);
    }

    tbody tr.year-summary .year-label {
      font-family: var(--font-display);
      font-weight: 700;
      color: var(--sea-deep);
      letter-spacing: -0.01em;
    }

    tbody tr.year-summary .year-sub {
      display: block;
      font-family: var(--font-body);
      font-size: 0.75rem;
      font-weight: 500;
      color: var(--ink-soft);
      margin-top: 0.15rem;
    }

    .status-actions {
      display: inline-flex;
      align-items: center;
      justify-content: flex-end;
      gap: 0.35rem;
      flex-wrap: wrap;
    }

    .status-actions .status-btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      padding: 0.35rem;
    }

    .status-actions .status-btn svg {
      width: 1rem;
      height: 1rem;
    }

    @media (max-width: 720px) {
      .payments-head {
        flex-direction: column;
        align-items: stretch;
        gap: 0.85rem;
      }

      .payments-head-copy .hint {
        font-size: 0.8rem;
      }

      .payments-toolbar {
        display: grid;
        grid-template-columns: 1fr 1.2fr 1fr;
        gap: 0.45rem;
        width: 100%;
      }

      .payments-toolbar .filter-label {
        grid-column: 1;
        grid-row: 1;
        min-width: 0;
      }

      .payments-toolbar > .btn-ghost {
        grid-column: 2;
        grid-row: 1;
      }

      .payments-toolbar > .extra-disclosure {
        grid-column: 3;
        grid-row: 1;
        width: 100%;
      }

      .payments-toolbar .filter-label > span {
        position: absolute;
        width: 1px;
        height: 1px;
        padding: 0;
        margin: -1px;
        overflow: hidden;
        clip: rect(0, 0, 0, 0);
        white-space: nowrap;
        border: 0;
      }

      .payments-toolbar select,
      .payments-toolbar .btn-compact,
      .payments-toolbar .extra-disclosure > summary {
        width: 100%;
        min-width: 0;
        justify-content: center;
        text-align: center;
        font-size: 0.8rem;
        padding: 0.55rem 0.4rem;
        white-space: nowrap;
      }

      .btn-label-full { display: none; }
      .btn-label-short { display: inline; }

      .extra-disclosure[open] {
        display: contents;
      }

      .extra-disclosure[open] > summary {
        grid-column: 3;
        grid-row: 1;
      }

      .extra-disclosure .extra-form {
        position: static;
        width: auto;
        min-width: 0;
        margin-top: 0;
        grid-column: 1 / -1;
        grid-row: 2;
      }

      .payments-panel .payments-desktop {
        display: none;
      }

      .payments-panel .pay-cards {
        display: block;
        padding: 0.75rem 0.85rem 1rem;
      }

      .pay-year {
        margin: 0.45rem 0 0.7rem;
        font-family: var(--font-display);
        font-size: 1.7rem;
        font-weight: 700;
        letter-spacing: -0.03em;
        line-height: 1.1;
        color: var(--sea-deep);
      }

      .pay-card {
        margin: 0 0 0.7rem;
        overflow: hidden;
        border: 1px solid var(--line);
        border-radius: 14px;
        background: #fff;
        box-shadow: 0 4px 14px rgba(30, 74, 71, 0.05);
      }

      .pay-card:last-child {
        margin-bottom: 0;
      }

      .pay-card.paid {
        background: rgba(47, 111, 106, 0.05);
      }

      .pay-card.extra {
        background: rgba(212, 196, 168, 0.3);
      }

      .pay-card.zeroed {
        background: rgba(122, 143, 140, 0.1);
        color: var(--ink-soft);
      }

      .pay-card-main {
        display: flex;
        align-items: flex-start;
        justify-content: space-between;
        gap: 0.75rem;
        padding: 0.95rem 1rem 0.75rem;
      }

      .pay-card-lead {
        min-width: 0;
        padding-top: 0.15rem;
      }

      .pay-date {
        font-size: 1rem;
        font-weight: 600;
        color: var(--ink);
      }

      .pay-card-amt {
        text-align: right;
        flex: 0 0 auto;
      }

      .pay-amount {
        display: block;
        font-family: var(--font-display);
        font-size: 1.35rem;
        font-weight: 700;
        letter-spacing: -0.02em;
        line-height: 1.1;
        color: var(--ink);
      }

      .pay-amount-label {
        display: block;
        margin-top: 0.2rem;
        font-size: 0.68rem;
        font-weight: 600;
        letter-spacing: 0.06em;
        text-transform: uppercase;
        color: var(--ink-soft);
      }

      .pay-card-foot {
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 0.5rem;
        padding: 0.65rem 0.75rem 0.65rem 1rem;
        background: rgba(236, 242, 241, 0.95);
        border-top: 1px solid rgba(30, 74, 71, 0.08);
      }

      .pay-card.extra .pay-card-foot {
        background: rgba(232, 222, 200, 0.55);
      }

      .pay-card-meta {
        display: flex;
        flex-wrap: wrap;
        align-items: center;
        gap: 0.2rem 0.35rem;
        min-width: 0;
        font-size: 0.78rem;
        font-weight: 500;
        color: var(--ink-soft);
      }

      .pay-sep {
        color: rgba(61, 79, 85, 0.4);
      }

      .pay-card .status-actions {
        flex: 0 0 auto;
        gap: 0.3rem;
      }

      .pay-card .status-btn {
        order: 2;
        width: 2rem;
        height: 2rem;
        padding: 0;
        border: 1px solid var(--line);
        border-radius: 8px;
        background: rgba(255, 255, 255, 0.85);
      }

      .pay-card .status-btn:not(.note-btn) {
        order: 1;
      }

      .pay-card .status-btn-remove {
        order: 3;
        font-size: 0.72rem;
      }

      .pay-cards .empty-state {
        margin: 0;
        padding: 2rem 1rem;
      }
    }

    .note-popover-card {
      width: min(420px, 100%);
    }

    .note-popover-sub {
      margin: 0.25rem 0 0;
      font-size: 0.85rem;
      color: var(--ink-soft);
      font-weight: 400;
    }

    .note-field {
      display: flex;
      flex-direction: column;
      gap: 0.4rem;
      margin-bottom: 1rem;
      font-size: 0.85rem;
      font-weight: 600;
      color: var(--ink-soft);
    }

    .note-field textarea {
      width: 100%;
      min-height: 7.5rem;
      resize: vertical;
      padding: 0.7rem 0.8rem;
      border: 1px solid var(--line);
      border-radius: 10px;
      background: rgba(255, 255, 255, 0.85);
      color: var(--ink);
      font-family: var(--font-body);
      font-size: 0.95rem;
      font-weight: 400;
      line-height: 1.45;
    }

    .note-field textarea:focus {
      outline: 2px solid rgba(47, 111, 106, 0.35);
      outline-offset: 1px;
      border-color: rgba(47, 111, 106, 0.45);
    }

    .note-actions {
      display: flex;
      flex-wrap: wrap;
      align-items: center;
      gap: 0.65rem;
    }

    .chart-wrap {
      padding: 1rem 1.25rem 1.35rem;
      position: relative;
    }

    .chart-legend {
      display: flex;
      flex-wrap: wrap;
      gap: 0.85rem;
      margin-bottom: 0.85rem;
      font-size: 0.8rem;
      color: var(--ink-soft);
    }

    .chart-legend span::before {
      content: "";
      display: inline-block;
      width: 0.7rem;
      height: 0.7rem;
      border-radius: 2px;
      margin-right: 0.35rem;
      vertical-align: -0.05rem;
    }

    .chart-legend .l-principal::before { background: var(--sea); }
    .chart-legend .l-interest::before { background: #c4a574; }

    .seg-toggle {
      display: inline-flex;
      padding: 0.2rem;
      border: 1px solid var(--line);
      border-radius: 9px;
      background: rgba(247, 250, 249, 0.9);
      gap: 0.15rem;
    }

    .seg-toggle button {
      padding: 0.4rem 0.75rem;
      font-size: 0.82rem;
      font-weight: 500;
      border-radius: 7px;
      background: transparent;
      color: var(--ink-soft);
      border: none;
    }

    .seg-toggle button:hover {
      color: var(--ink);
      background: rgba(255, 255, 255, 0.55);
    }

    .seg-toggle button.active {
      background: #fff;
      color: var(--sea-deep);
      font-weight: 600;
      box-shadow: 0 1px 3px rgba(30, 74, 71, 0.1);
    }

    .chart-svg {
      width: 100%;
      height: auto;
      display: block;
      overflow: visible;
    }

    .chart-svg .axis-label {
      fill: var(--ink-soft);
      font-family: var(--font-body);
      font-size: 11px;
    }

    .chart-svg .grid-line {
      stroke: var(--line);
      stroke-width: 1;
    }

    .chart-svg .bar-hit {
      fill: transparent;
      cursor: crosshair;
    }

    .chart-svg .bar-group:hover .bar-principal {
      fill: var(--sea-deep);
    }

    .chart-svg .bar-group:hover .bar-interest {
      fill: #b8925a;
    }

    .chart-tooltip {
      position: absolute;
      z-index: 2;
      pointer-events: none;
      min-width: 10rem;
      padding: 0.65rem 0.75rem;
      border-radius: 8px;
      border: 1px solid var(--line);
      background: rgba(255, 255, 255, 0.96);
      box-shadow: var(--shadow);
      font-size: 0.8rem;
      color: var(--ink);
      opacity: 0;
      transform: translate(-50%, -110%);
      transition: opacity 0.12s ease;
    }

    .chart-tooltip.visible { opacity: 1; }

    .chart-tooltip strong {
      display: block;
      font-family: var(--font-display);
      font-size: 0.95rem;
      font-weight: 600;
      margin-bottom: 0.3rem;
      color: var(--sea-deep);
    }

    .chart-tooltip .row {
      display: flex;
      justify-content: space-between;
      gap: 1rem;
      margin-top: 0.15rem;
    }

    .chart-tooltip .row span:first-child { color: var(--ink-soft); }

    .status-btn {
      padding: 0.35rem 0.65rem;
      font-size: 0.75rem;
      border-radius: 6px;
      border: 1px solid var(--line);
      background: #fff;
      color: var(--ink-soft);
    }

    .status-btn.paid {
      background: rgba(47, 111, 106, 0.12);
      color: var(--paid);
      border-color: rgba(47, 111, 106, 0.25);
    }

    .track-filters,
    .payments-toolbar {
      display: flex;
      flex-wrap: wrap;
      gap: 0.5rem;
      align-items: center;
    }

    .track-filters select,
    .payments-toolbar select {
      width: auto;
      min-width: 9rem;
      padding: 0.5rem 0.75rem;
    }

    .empty-state {
      padding: 2.5rem 1.5rem;
      text-align: center;
      color: var(--ink-soft);
    }

    .summary-bar {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1px;
      background: var(--line);
      border-top: 1px solid var(--line);
    }

    @media (max-width: 640px) {
      .summary-bar { grid-template-columns: 1fr; }
      .month-cell { min-height: 5.25rem; }
    }

    .summary-bar div {
      background: rgba(247, 250, 249, 0.95);
      padding: 0.9rem 1.1rem;
    }

    .summary-bar .k {
      font-size: 0.72rem;
      text-transform: uppercase;
      letter-spacing: 0.05em;
      color: var(--ink-soft);
    }

    .summary-bar .v {
      font-family: var(--font-display);
      font-size: 1.2rem;
      font-weight: 700;
      margin-top: 0.15rem;
    }

    .error {
      color: var(--coral);
      font-size: 0.9rem;
      min-height: 1.25rem;
    }

    .profile-bar {
      position: relative;
      z-index: 20;
      animation: rise 0.7s 0.05s ease both;
      display: flex;
      flex-wrap: wrap;
      align-items: center;
      gap: 0.55rem 0.75rem;
      margin-bottom: 1.5rem;
      padding: 0;
      border: none;
    }

    .profile-bar.hidden { display: none; }

    .profile-select-wrap {
      display: flex;
      align-items: center;
      gap: 0.5rem;
      min-width: min(14rem, 100%);
      flex: 0 1 14rem;
    }

    .profile-select-wrap > span {
      font-size: 0.72rem;
      font-weight: 500;
      letter-spacing: 0.04em;
      text-transform: uppercase;
      color: var(--ink-soft);
      white-space: nowrap;
    }

    .profile-select-wrap select {
      flex: 1;
      min-width: 0;
      padding: 0.5rem 0.75rem;
      font-size: 0.95rem;
      background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%233d4f55' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
      background-repeat: no-repeat;
      background-position: right 0.75rem center;
      padding-right: 2rem;
      background-color: transparent;
      border-color: transparent;
    }

    .profile-select-wrap select:hover,
    .profile-select-wrap select:focus {
      background-color: rgba(255, 255, 255, 0.65);
      border-color: var(--line);
    }

    .profile-actions {
      display: flex;
      flex-wrap: wrap;
      align-items: center;
      gap: 0.35rem;
      margin-left: auto;
    }

    .profile-actions .btn-primary {
      padding: 0.5rem 0.95rem;
      font-size: 0.9rem;
    }

    .profile-meta {
      flex: 1 1 100%;
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 0.45rem;
      margin: 0.15rem 0 0;
    }

    .profile-meta[hidden] {
      display: none;
    }

    .profile-chip {
      padding: 0.55rem 0.7rem;
      border-radius: 10px;
      border: 1px solid var(--line);
      background: rgba(255, 255, 255, 0.72);
      backdrop-filter: blur(10px);
      box-shadow: 0 4px 14px rgba(30, 74, 71, 0.04);
      min-width: 0;
    }

    .profile-chip .label {
      display: block;
      font-size: 0.65rem;
      font-weight: 500;
      letter-spacing: 0.05em;
      text-transform: uppercase;
      color: var(--ink-soft);
      margin-bottom: 0.15rem;
    }

    .profile-chip .value {
      display: block;
      font-family: var(--font-display);
      font-size: clamp(0.95rem, 2.4vw, 1.15rem);
      font-weight: 700;
      letter-spacing: -0.02em;
      line-height: 1.15;
      color: var(--sea-deep);
      white-space: nowrap;
      overflow: hidden;
      text-overflow: ellipsis;
    }

    @media (max-width: 420px) {
      .profile-chip {
        padding: 0.45rem 0.55rem;
      }

      .profile-chip .value {
        font-size: 0.9rem;
      }
    }

    .menu {
      position: relative;
    }

    .menu-toggle {
      width: 2.25rem;
      height: 2.25rem;
      padding: 0;
      display: grid;
      place-items: center;
      background: transparent;
      color: var(--ink-soft);
      border: 1px solid transparent;
      border-radius: 8px;
      font-size: 1.15rem;
      line-height: 1;
    }

    .menu-toggle:hover {
      color: var(--ink);
      background: rgba(255, 255, 255, 0.55);
      border-color: var(--line);
    }

    .menu-panel {
      display: none;
      position: absolute;
      right: 0;
      top: calc(100% + 0.35rem);
      min-width: 11rem;
      padding: 0.35rem;
      border: 1px solid var(--line);
      border-radius: 10px;
      background: #fbfdfc;
      box-shadow: 0 14px 32px rgba(30, 74, 71, 0.12);
      z-index: 30;
    }

    .menu.open .menu-panel { display: grid; gap: 0.1rem; }

    .menu-panel button {
      width: 100%;
      text-align: left;
      background: transparent;
      color: var(--ink);
      border: none;
      border-radius: 7px;
      padding: 0.55rem 0.7rem;
      font-size: 0.9rem;
      font-weight: 500;
    }

    .menu-panel button:hover {
      background: rgba(168, 212, 207, 0.22);
      color: var(--sea-deep);
    }

    .menu-panel button:disabled {
      opacity: 0.4;
      cursor: not-allowed;
    }

    .menu-panel .menu-danger {
      color: var(--coral);
      margin-top: 0.2rem;
      border-top: 1px solid var(--line);
      border-radius: 0 0 7px 7px;
      padding-top: 0.65rem;
    }

    .menu-panel .menu-danger:hover {
      background: rgba(196, 92, 72, 0.08);
      color: var(--coral);
    }

    .btn-text {
      background: transparent;
      color: var(--ink-soft);
      border: none;
      padding: 0.45rem 0.55rem;
      font-size: 0.9rem;
      font-weight: 500;
    }

    .btn-text:hover {
      color: var(--sea-deep);
      background: transparent;
    }

    .btn-text:disabled {
      opacity: 0.4;
      cursor: not-allowed;
    }

    .btn-text.danger:hover {
      color: var(--coral);
    }

    .filter-label {
      flex-direction: row;
      align-items: center;
      gap: 0.5rem;
      text-transform: none;
      letter-spacing: 0;
    }

    .filter-label > span {
      font-size: 0.85rem;
    }

    .btn-compact {
      padding: 0.5rem 0.85rem;
      font-size: 0.85rem;
    }

    .status-btn-remove {
      padding: 0.2rem 0.4rem;
      font-size: 0.8rem;
    }

    .empty-dash {
      display: none;
      margin-top: 2rem;
      padding: 2.5rem 1.5rem;
      text-align: center;
      color: var(--ink-soft);
      animation: rise 0.55s ease both;
    }

    .empty-dash.visible { display: block; }

    .empty-dash h2 {
      margin: 0 0 0.5rem;
      font-family: var(--font-display);
      font-size: 1.6rem;
      font-weight: 500;
      color: var(--sea-deep);
    }

    .empty-dash p {
      margin: 0 0 1.25rem;
      font-weight: 300;
    }

    .loan-popover {
      width: min(720px, calc(100vw - 2rem));
      border: none;
      padding: 0;
      border-radius: calc(var(--radius) + 4px);
      background: transparent;
      box-shadow: none;
    }

    .loan-popover::backdrop {
      background: rgba(28, 42, 46, 0.42);
      backdrop-filter: blur(4px);
    }

    .loan-popover:popover-open {
      animation: rise 0.28s ease both;
    }

    .popover-card {
      background:
        radial-gradient(500px 220px at 0% 0%, rgba(168, 212, 207, 0.35), transparent 60%),
        #fbfdfc;
      border: 1px solid var(--line);
      border-radius: calc(var(--radius) + 4px);
      box-shadow: 0 24px 60px rgba(30, 74, 71, 0.18);
      padding: 1.35rem 1.4rem 1.5rem;
    }

    .popover-head {
      display: flex;
      align-items: flex-start;
      justify-content: space-between;
      gap: 1rem;
      margin-bottom: 1.25rem;
    }

    .popover-head h2 {
      margin: 0;
      font-family: var(--font-display);
      font-size: 1.55rem;
      font-weight: 500;
      color: var(--sea-deep);
    }

    .popover-close {
      width: 2.25rem;
      height: 2.25rem;
      padding: 0;
      display: grid;
      place-items: center;
      background: transparent;
      color: var(--ink-soft);
      border: 1px solid var(--line);
      border-radius: 8px;
      font-size: 1.25rem;
      line-height: 1;
    }

    .popover-close:hover {
      color: var(--ink);
      background: rgba(255, 255, 255, 0.7);
    }

    .popover-card .inputs {
      margin-bottom: 1.1rem;
    }

    .popover-card .name-field {
      margin-bottom: 1rem;
    }

    .popover-card .name-field.hidden,
    .popover-card .reset-wrap.hidden,
    .popover-card .inputs.hidden {
      display: none;
    }

    .popover-card .actions {
      margin-top: 0.25rem;
    }

    .popover-card .error {
      margin: 0.75rem 0 0;
    }

    @media (max-width: 640px) {
      .popover-card .inputs { grid-template-columns: 1fr 1fr; }
    }

    @media (max-width: 420px) {
      .popover-card .inputs { grid-template-columns: 1fr; }
    }

    .conflict-toast {
      position: fixed;
      left: 50%;
      bottom: 1.25rem;
      transform: translateX(-50%) translateY(120%);
      max-width: min(32rem, calc(100vw - 2rem));
      padding: 0.75rem 1rem;
      border-radius: 10px;
      background: var(--sea-deep);
      color: #fff;
      font-size: 0.9rem;
      line-height: 1.4;
      box-shadow: 0 8px 24px rgba(0, 0, 0, 0.18);
      z-index: 1000;
      opacity: 0;
      pointer-events: none;
      transition: transform 0.2s ease, opacity 0.2s ease;
    }

    .conflict-toast.visible {
      transform: translateX(-50%) translateY(0);
      opacity: 1;
    }

    /* Auth / account */
    .account-chip {
      display: inline-flex;
      align-items: center;
      gap: 0.65rem;
      margin: 0;
      padding: 0.35rem 0.15rem 0.35rem 0.75rem;
      border-radius: 999px;
      background: rgba(255, 255, 255, 0.55);
      border: 1px solid var(--line);
    }

    .account-email {
      max-width: 14rem;
      overflow: hidden;
      text-overflow: ellipsis;
      white-space: nowrap;
      font-size: 0.85rem;
      color: var(--ink-soft);
    }

    .btn-text {
      background: transparent;
      color: var(--sea-deep);
      border: none;
      padding: 0.35rem 0.75rem;
      font-size: 0.85rem;
      font-weight: 500;
      cursor: pointer;
    }

    .btn-text:hover {
      color: var(--sea);
      text-decoration: underline;
    }

    .auth-panel {
      width: min(420px, 100%);
      margin: 2rem auto 0;
      animation: rise 0.65s ease both;
    }

    .auth-brand {
      margin-bottom: 1.5rem;
      text-align: left;
    }

    .brand-home {
      color: inherit;
      text-decoration: none;
    }

    .brand-home:hover {
      color: var(--sea);
    }

    .auth-form {
      display: grid;
      gap: 1rem;
      padding: 1.35rem 1.4rem 1.5rem;
      border-radius: var(--radius);
      background: rgba(255, 255, 255, 0.72);
      border: 1px solid var(--line);
      box-shadow: var(--shadow);
    }

    .auth-form .field {
      display: grid;
      gap: 0.35rem;
    }

    .auth-form .field span {
      font-size: 0.82rem;
      font-weight: 500;
      color: var(--ink-soft);
      letter-spacing: 0.02em;
    }

    .auth-form input {
      width: 100%;
      border: 1px solid var(--line);
      border-radius: 10px;
      padding: 0.7rem 0.85rem;
      font: inherit;
      color: var(--ink);
      background: rgba(255, 255, 255, 0.9);
    }

    .auth-form input:focus {
      outline: 2px solid var(--foam);
      border-color: var(--sea);
    }

    .auth-submit {
      margin-top: 0.25rem;
      width: 100%;
      border: none;
      cursor: pointer;
      border-radius: 10px;
      padding: 0.85rem 1.25rem;
      font-weight: 500;
    }

    .auth-switch {
      margin: 1.15rem 0 0;
      text-align: center;
      color: var(--ink-soft);
      font-size: 0.92rem;
    }

    .auth-switch a {
      color: var(--sea-deep);
      font-weight: 500;
      text-decoration: none;
    }

    .auth-switch a:hover {
      text-decoration: underline;
    }

    #auth-error:empty {
      display: none;
    }

    /* —— Marketing landing (logged out) —— */
    body.landing {
      background: var(--paper);
    }

    body.landing .wrap {
      width: 100%;
      max-width: none;
      margin: 0;
      padding: 0;
    }

    .landing-hero {
      position: relative;
      min-height: 100vh;
      min-height: 100dvh;
      display: grid;
      grid-template-columns: minmax(0, 1fr);
      align-items: center;
      overflow: hidden;
      background: var(--sea-deep);
    }

    .landing-hero-visual {
      position: absolute;
      inset: 0;
      z-index: 0;
      overflow: hidden;
    }

    .landing-scene-photo {
      width: 100%;
      height: 100%;
      object-fit: cover;
      object-position: center 30%;
      filter: contrast(1.04) brightness(0.95);
      animation: sceneAtmosphere 30s ease-in-out infinite alternate;
    }

    @keyframes sceneAtmosphere {
      0% { transform: scale(1.0) translateY(0); }
      100% { transform: scale(1.04) translateY(-10px); }
    }

    .landing-scene-overlay {
      position: absolute;
      inset: 0;
      background:
        linear-gradient(
          90deg,
          rgba(247, 250, 249, 0.96) 0%,
          rgba(247, 250, 249, 0.82) 42%,
          rgba(247, 250, 249, 0.35) 70%,
          rgba(30, 74, 71, 0.25) 100%
        ),
        linear-gradient(
          180deg,
          rgba(247, 250, 249, 0.2) 0%,
          transparent 40%,
          rgba(247, 250, 249, 0.85) 100%
        );
    }

    .landing-scene-ui-glimpse {
      position: absolute;
      right: clamp(2rem, 8vw, 7rem);
      bottom: clamp(3rem, 12vh, 8rem);
      z-index: 2;
      pointer-events: none;
    }

    .hero-ledger-glimpse {
      width: min(24rem, calc(100vw - 3rem));
      padding: 1.1rem 1.25rem;
      border-radius: var(--radius);
      background: rgba(255, 255, 255, 0.78);
      backdrop-filter: blur(16px);
      border: 1px solid rgba(255, 255, 255, 0.6);
      box-shadow: 0 20px 45px rgba(30, 74, 71, 0.14);
      animation: rise 0.85s 0.3s ease both;
    }

    .glimpse-header {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-bottom: 0.65rem;
    }

    .glimpse-badge {
      font-size: 0.72rem;
      font-weight: 600;
      letter-spacing: 0.05em;
      text-transform: uppercase;
      color: var(--sea);
    }

    .glimpse-val {
      font-family: var(--font-display);
      font-size: 1.15rem;
      font-weight: 700;
      color: var(--sea-deep);
    }

    .glimpse-bar-wrap {
      height: 8px;
      border-radius: 4px;
      background: var(--mist);
      display: flex;
      overflow: hidden;
      margin-bottom: 0.75rem;
    }

    .glimpse-bar-fill {
      width: 42%;
      background: var(--sea);
    }

    .glimpse-bar-extra {
      width: 18%;
      background: var(--sand);
    }

    .glimpse-stats {
      display: flex;
      justify-content: space-between;
      gap: 0.5rem;
      font-size: 0.78rem;
      color: var(--ink-soft);
      font-weight: 500;
    }

    .glimpse-stats div {
      display: flex;
      align-items: center;
      gap: 0.35rem;
    }

    .glimpse-dot {
      width: 6px;
      height: 6px;
      border-radius: 50%;
    }

    .glimpse-dot.paid { background: var(--sea); }
    .glimpse-dot.extra { background: var(--sand); }
    .glimpse-dot.due { background: var(--due); }

    .landing-hero-copy {
      position: relative;
      z-index: 2;
      width: min(34rem, calc(100% - 3rem));
      margin: 0 0 0 clamp(1.5rem, 7vw, 6rem);
      padding: clamp(3rem, 10vh, 6rem) 0;
      animation: rise 0.75s 0.15s ease both;
    }

    .landing-brand-block {
      margin-bottom: 1.75rem;
    }

    .landing-brand {
      font-family: var(--font-display);
      font-size: clamp(3.4rem, 9.5vw, 5.8rem);
      font-weight: 700;
      letter-spacing: -0.035em;
      line-height: 0.92;
      color: var(--sea-deep);
      margin: 0;
    }

    .landing-rule {
      margin: 1.1rem 0 1.25rem;
      height: 3px;
      width: 5rem;
    }

    .landing-headline {
      margin: 0 0 0.85rem;
      font-family: var(--font-display);
      font-size: clamp(1.45rem, 3.2vw, 1.95rem);
      font-weight: 700;
      letter-spacing: -0.025em;
      line-height: 1.2;
      color: var(--ink);
    }

    .landing-lede {
      margin: 0;
      max-width: 29rem;
      font-size: 1.1rem;
      font-weight: 300;
      line-height: 1.6;
      color: var(--ink-soft);
    }

    .landing-cta-group {
      display: flex;
      flex-wrap: wrap;
      gap: 0.85rem;
      align-items: center;
    }

    .landing-trust-microcopy {
      margin: 0.6rem 0 0;
      font-size: 0.82rem;
      font-weight: 500;
      color: var(--ink-soft);
      opacity: 0.9;
    }

    /* Trust & Security Banner */
    .landing-trust-banner {
      background: rgba(47, 111, 106, 0.06);
      border-top: 1px solid var(--line);
      border-bottom: 1px solid var(--line);
      padding: 1.25rem 0;
    }

    .trust-banner-content {
      width: min(64rem, calc(100% - 3rem));
      margin: 0 auto;
      display: flex;
      flex-wrap: wrap;
      justify-content: space-around;
      gap: 1rem 2rem;
    }

    .trust-item {
      display: flex;
      align-items: center;
      gap: 0.65rem;
      font-size: 0.88rem;
      color: var(--sea-deep);
    }

    .trust-icon {
      width: 1.25rem;
      height: 1.25rem;
      color: var(--sea);
      flex-shrink: 0;
    }

    /* Section tags & helpers */
    .section-tag {
      display: inline-block;
      font-size: 0.75rem;
      font-weight: 600;
      letter-spacing: 0.06em;
      text-transform: uppercase;
      color: var(--sea);
      margin-bottom: 0.35rem;
    }

    .landing-section-copy.center {
      text-align: center;
      margin: 0 auto;
    }

    /* Key Benefits Grid */
    .benefits-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 1.5rem;
      margin-top: 0.5rem;
    }

    @media (max-width: 820px) {
      .benefits-grid { grid-template-columns: 1fr; }
    }

    .benefit-card {
      padding: 1.6rem 1.4rem;
      border-radius: var(--radius);
      border: 1px solid var(--line);
      background: rgba(255, 255, 255, 0.85);
      backdrop-filter: blur(10px);
      box-shadow: var(--shadow);
      transition: transform 0.2s ease, box-shadow 0.2s ease;
    }

    .benefit-card:hover {
      transform: translateY(-3px);
      box-shadow: 0 16px 36px rgba(30, 74, 71, 0.1);
    }

    .benefit-icon {
      width: 2.75rem;
      height: 2.75rem;
      border-radius: 12px;
      background: rgba(47, 111, 106, 0.12);
      color: var(--sea);
      display: grid;
      place-items: center;
      margin-bottom: 1rem;
    }

    .benefit-icon svg {
      width: 1.4rem;
      height: 1.4rem;
    }

    .benefit-card h3 {
      margin: 0 0 0.5rem;
      font-family: var(--font-display);
      font-size: 1.2rem;
      font-weight: 700;
      color: var(--sea-deep);
    }

    .benefit-card p {
      margin: 0;
      font-size: 0.95rem;
      line-height: 1.55;
      color: var(--ink-soft);
    }

    /* Enhanced Co-Borrower Experience */
    .preview-surface-enhanced {
      padding: 1.5rem;
    }

    .share-experience-grid {
      display: grid;
      gap: 1.25rem;
    }

    .share-collab-header {
      display: flex;
      flex-wrap: wrap;
      align-items: center;
      justify-content: space-between;
      gap: 1rem;
      padding-bottom: 1rem;
      border-bottom: 1px solid var(--line);
    }

    .share-collab-user {
      display: flex;
      align-items: center;
      gap: 0.75rem;
    }

    .share-collab-user strong {
      display: block;
      font-size: 0.95rem;
      color: var(--sea-deep);
    }

    .share-collab-user .sub-text {
      font-size: 0.8rem;
      color: var(--ink-soft);
    }

    .share-activity-feed {
      display: grid;
      gap: 0.75rem;
    }

    .activity-item {
      display: flex;
      align-items: center;
      gap: 0.85rem;
      padding: 0.75rem 1rem;
      border-radius: 10px;
      background: rgba(247, 250, 249, 0.75);
      border: 1px solid var(--line);
    }

    .activity-item.milestone {
      background: rgba(212, 196, 168, 0.18);
      border-color: rgba(212, 196, 168, 0.4);
    }

    .activity-icon {
      width: 1.8rem;
      height: 1.8rem;
      border-radius: 50%;
      display: grid;
      place-items: center;
      font-size: 0.85rem;
      font-weight: bold;
      flex-shrink: 0;
    }

    .activity-icon.paid {
      background: rgba(47, 111, 106, 0.15);
      color: var(--sea);
    }

    .activity-icon.milestone {
      background: rgba(212, 196, 168, 0.4);
    }

    .activity-body {
      display: flex;
      flex-direction: column;
    }

    .activity-body strong {
      font-size: 0.9rem;
      color: var(--ink);
    }

    .activity-time {
      font-size: 0.78rem;
      color: var(--ink-soft);
    }

    /* FAQ Accordion */
    .faq-accordion {
      display: grid;
      gap: 0.85rem;
      margin-top: 0.5rem;
    }

    .faq-item {
      border: 1px solid var(--line);
      border-radius: 12px;
      background: rgba(255, 255, 255, 0.85);
      backdrop-filter: blur(10px);
      overflow: hidden;
      transition: border-color 0.2s ease;
    }

    .faq-item[open] {
      border-color: var(--sea);
    }

    .faq-question {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 1.1rem 1.35rem;
      font-family: var(--font-display);
      font-size: 1.08rem;
      font-weight: 700;
      color: var(--sea-deep);
      cursor: pointer;
      list-style: none;
      user-select: none;
    }

    .faq-question::-webkit-details-marker {
      display: none;
    }

    .faq-chevron {
      width: 1.2rem;
      height: 1.2rem;
      color: var(--sea);
      transition: transform 0.25s ease;
      flex-shrink: 0;
    }

    .faq-item[open] .faq-chevron {
      transform: rotate(180deg);
    }

    .faq-answer {
      padding: 0 1.35rem 1.25rem;
    }

    .faq-answer p {
      margin: 0;
      font-size: 0.98rem;
      line-height: 1.6;
      color: var(--ink-soft);
    }

    /* Final CTA Section */
    .landing-final-cta {
      background: linear-gradient(135deg, var(--sea-deep) 0%, var(--sea) 100%);
      color: #fff;
      padding: clamp(3.5rem, 7vh, 5rem) 1.5rem;
      text-align: center;
      border-radius: var(--radius);
      width: min(58rem, calc(100% - 3rem));
      margin: 3rem auto 4rem;
      box-shadow: var(--shadow);
    }

    .final-cta-content h2 {
      font-family: var(--font-display);
      font-size: clamp(1.8rem, 3.8vw, 2.5rem);
      font-weight: 700;
      margin: 0 0 0.75rem;
      color: #fff;
    }

    .final-cta-content p {
      font-size: 1.1rem;
      font-weight: 300;
      opacity: 0.9;
      margin: 0 0 1.75rem;
    }

    .landing-cta.center {
      justify-content: center;
    }

    .final-cta-content .landing-trust-microcopy {
      color: rgba(255, 255, 255, 0.85);
    }

    .final-cta-content .btn-primary {
      background: #fff;
      color: var(--sea-deep);
      font-weight: 600;
    }

    .final-cta-content .btn-primary:hover {
      background: var(--mist);
      transform: translateY(-2px);
    }

    @media (max-width: 900px) {
      .landing-scene-ui-glimpse {
        display: none;
      }

      .landing-scene-overlay {
        background: linear-gradient(
          180deg,
          rgba(247, 250, 249, 0.85) 0%,
          rgba(247, 250, 249, 0.94) 60%,
          var(--paper) 100%
        );
      }

      .landing-hero-copy {
        width: auto;
        margin: 0 1.5rem;
        padding: 5rem 0 3.5rem;
      }
    }

    @media (max-width: 600px) {
      .preview-head {
        flex-direction: column;
        align-items: flex-start;
      }

      .share-glimpse,
      .share-collab-header {
        flex-direction: column;
        align-items: flex-start;
      }
    }

    /* --- CRO Enhancements --- */
    /* 1. Sticky Nav */
    .landing-sticky-nav {
      position: fixed;
      top: 0;
      left: 0;
      width: 100%;
      z-index: 100;
      background: rgba(255, 255, 255, 0.85);
      backdrop-filter: blur(16px);
      -webkit-backdrop-filter: blur(16px);
      border-bottom: 1px solid rgba(28, 42, 46, 0.08);
      transform: translateY(-100%);
      transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    }
    .landing-sticky-nav.visible {
      transform: translateY(0);
    }
    .sticky-nav-content {
      width: min(1120px, calc(100% - 2rem));
      margin: 0 auto;
      height: 4rem;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .sticky-brand {
      font-family: var(--font-display);
      font-size: 1.25rem;
      font-weight: 700;
      color: var(--sea-deep);
    }
    .sticky-btn {
      padding: 0.6rem 1rem;
      font-size: 0.9rem;
    }

    /* 2. Scroll Reveal Animations */
    .reveal-on-scroll {
      opacity: 0;
      transform: translateY(24px);
      transition: opacity 0.7s ease, transform 0.7s ease;
    }
    .reveal-on-scroll.is-revealed {
      opacity: 1;
      transform: translateY(0);
    }

    /* 3. Scenario Slider */
    .scenario-slider-wrap {
      margin-top: 1.5rem;
      padding-top: 1.5rem;
      border-top: 1px solid rgba(28, 42, 46, 0.08);
      text-align: left;
    }
    .scenario-slider-label {
      display: block;
      margin-bottom: 0.75rem;
      font-size: 0.9rem;
      color: var(--ink-soft);
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: 0.04em;
    }
    .scenario-slider {
      width: 100%;
      -webkit-appearance: none;
      appearance: none;
      height: 6px;
      background: var(--line);
      border-radius: 4px;
      outline: none;
      transition: background 0.2s;
    }
    .scenario-slider::-webkit-slider-thumb {
      -webkit-appearance: none;
      appearance: none;
      width: 24px;
      height: 24px;
      border-radius: 50%;
      background: var(--sea);
      cursor: pointer;
      box-shadow: 0 4px 12px rgba(30, 74, 71, 0.25);
      transition: transform 0.15s, background 0.2s;
    }
    .scenario-slider::-webkit-slider-thumb:hover {
      transform: scale(1.15);
      background: var(--sea-deep);
    }

    /* 4. Footer */
    .landing-footer {
      background: var(--paper);
      padding: 4rem 0 2rem;
      border-top: 1px solid var(--line);
    }
    .footer-content {
      width: min(1120px, calc(100% - 2rem));
      margin: 0 auto;
      display: flex;
      flex-wrap: wrap;
      gap: 3rem;
      justify-content: space-between;
    }
    .footer-brand h3 {
      font-family: var(--font-display);
      font-size: 1.45rem;
      color: var(--sea-deep);
      margin: 0 0 0.5rem;
    }
    .footer-brand p {
      color: var(--ink-soft);
      margin: 0;
      font-size: 0.95rem;
    }
    .footer-links {
      display: flex;
      gap: 3rem;
    }
    .footer-col {
      display: flex;
      flex-direction: column;
      gap: 0.75rem;
    }
    .footer-col h4 {
      margin: 0 0 0.5rem;
      font-size: 0.85rem;
      text-transform: uppercase;
      letter-spacing: 0.05em;
      color: var(--ink);
    }
    .footer-col a {
      color: var(--ink-soft);
      text-decoration: none;
      font-size: 0.95rem;
      transition: color 0.2s;
    }
    .footer-col a:hover {
      color: var(--sea);
    }
    .footer-bottom {
      width: min(1120px, calc(100% - 2rem));
      margin: 3rem auto 0;
      padding-top: 1.5rem;
      border-top: 1px solid var(--line);
      text-align: center;
      color: var(--ink-soft);
      font-size: 0.85rem;
    }

    @media (prefers-reduced-motion: reduce) {
      .landing-scene-photo,
      .hero-ledger-glimpse,
      .landing-hero-copy,
      .landing-cta,
      .landing-rule,
      .landing-section,
      .reveal-on-scroll {
        animation: none !important;
        opacity: 1 !important;
        transform: none !important;
        transition: none !important;
      }
    }