*{box-sizing:border-box}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
:root{
  --brand-orange:#F26522;--brand-orange-light:#FEF0E7;--brand-orange-dark:#D4521A;
  --brand-navy:#1A2B4A;--brand-blue-light:#EBF4FF;
  --text-primary:#1A2B4A;--text-secondary:#5A6A82;
  --border:#DDE3EC;--border-light:#EEF2F7;
  --bg:#FFFFFF;--bg-secondary:#F5F7FA;--radius:8px;
  --green:#38A169;--red:#E53E3E;
  --card-accent:3px solid var(--green);
}
.nav-group-header{display:flex;align-items:center;gap:10px;padding:9px 14px 9px 16px;cursor:pointer;color:rgba(255,255,255,.6);font-size:15.0px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;user-select:none;transition:color .15s}
.nav-group-header:hover{color:#fff}
.nav-group-header.active{color:#fff;background:rgba(242,101,34,.18);border-left:3px solid var(--brand-orange)}
.nav-group-header svg{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
.nav-chevron{width:14px!important;height:14px!important;margin-left:auto;transition:transform .2s}
.nav-chevron.open{transform:rotate(180deg)}
.nav-group{overflow:hidden;max-height:0;transition:max-height .2s ease}
.nav-group.open{max-height:800px}
.nav-item{display:flex;align-items:center;gap:10px;padding:9px 14px 9px 16px;cursor:pointer;color:rgba(255,255,255,.7);font-size:13px;font-weight:500;border-radius:0;transition:all .15s;border-left:3px solid transparent}
.nav-item:hover{color:#fff;background:rgba(255,255,255,.07)}
.nav-item.active{color:#fff;background:rgba(242,101,34,.18);border-left-color:var(--brand-orange)}
.nav-item svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
.nav-child{padding-left:36px;font-size:14px}
.nav-child svg{width:14px;height:14px}
.nav-grandchild{padding-left:52px;font-size:13px}
body{font-family:'Inter',sans-serif;margin:0;padding:0}
/* Panels */
.panel{display:none;padding-top:1.5rem}.panel.active{display:block}
.rp{padding:0 1.5rem 1.5rem;width:100%;color:var(--text-primary);margin:0 auto}
.sticky-top{position:sticky;top:0;z-index:100;background:#fff}
.app-header{display:flex;flex-direction:column;align-items:center;padding:1.5rem 0 1rem;border-bottom:1px solid var(--border-light)}
.app-logo-mark{width:56px;height:56px;background:var(--brand-orange);border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:10px;box-shadow:0 4px 16px rgba(242,101,34,.3)}
.app-logo-mark svg{width:30px;height:30px}
.app-name{font-size:29.0px;font-weight:800;color:var(--brand-navy);letter-spacing:-.5px;line-height:1}
.app-name span{color:var(--brand-orange)}
.app-tagline{font-size:15.0px;color:var(--text-secondary);margin-top:4px}
.save-bar{display:flex;align-items:center;gap:8px;font-size:14.0px;color:var(--text-secondary);padding:5px 10px;background:var(--bg-secondary);border-radius:var(--radius);border:1px solid var(--border-light);margin:.75rem 0 0}
.save-dot{width:7px;height:7px;border-radius:50%;background:var(--green);flex-shrink:0}
.save-dot.saving{background:var(--brand-orange)}
.clear-btn{margin-left:auto;font-size:14.0px;color:var(--red);background:none;border:1px solid #FED7D7;border-radius:4px;padding:2px 8px;cursor:pointer}
.rp-tabs{display:flex;border-bottom:2px solid var(--border-light);background:#fff;box-shadow:0 2px 8px rgba(26,43,74,.06)}
.rp-tab{padding:10px 0 8px;cursor:pointer;border:none;background:none;color:var(--text-secondary);border-bottom:3px solid transparent;margin-bottom:-2px;display:flex;flex-direction:column;align-items:center;gap:4px;font-weight:500;flex:1;transition:color .15s}
.rp-tab svg{width:19px;height:19px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.rp-tab .tab-label{font-size:13.0px;line-height:1}
.rp-tab.active{color:var(--brand-orange);border-bottom-color:var(--brand-orange)}
.rp-tab:hover:not(.active){color:var(--text-primary)}
.panel{display:none;padding-top:1.5rem}.panel.active{display:block}
/* 2-up card grid */
.card-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.card-grid-2 .card{margin-bottom:0}
.card-grid-2 .inv-return-card{margin-bottom:0}
/* per-person tax breakdown */
.person-tax-col{min-width:0;padding:12px 14px;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius)}
.person-tax-header{font-size:14.0px;font-weight:700;color:var(--text-secondary);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px;padding-bottom:5px;border-bottom:2px solid var(--brand-orange)}
.person-tax-header.partner{border-bottom-color:#378ADD}
.person-tax-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:4px;font-size:15.0px}
.person-tax-row-label{color:var(--text-secondary)}
.person-tax-row-val{font-weight:600;color:var(--text-primary)}
.person-tax-row.spendable .person-tax-row-val{color:var(--green);font-size:17.0px}
.person-tax-combined{background:var(--brand-navy);border-radius:var(--radius);padding:10px 14px;display:flex;gap:1.5rem;flex-wrap:wrap;margin-top:10px}
.global-info-note{font-size:14.0px;color:#2B6CB0;background:var(--brand-blue-light);border:1px solid #BEE3F8;border-radius:var(--radius);padding:7px 12px;margin-bottom:.75rem}
.sec-title{font-size:14.0px;font-weight:700;color:var(--text-secondary);text-transform:uppercase;letter-spacing:.08em;margin:0 0 .875rem}
.field{margin-bottom:1rem}
.field label{display:block;font-size:16.0px;color:var(--text-secondary);margin-bottom:5px;font-weight:500}
input[type=text],input[type=number],input[type=date],select{width:100%;padding:8px 10px;border:1px solid var(--border);border-radius:var(--radius);font-size:16.0px;color:var(--text-primary);background:var(--bg);outline:none;transition:border-color .15s}
input:focus,select:focus{border-color:var(--brand-orange);box-shadow:0 0 0 3px var(--brand-orange-light)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}
.card{background:var(--bg);border:1px solid var(--border);border-left:var(--card-accent);border-radius:var(--radius);padding:14px;margin-bottom:10px;display:flex;gap:10px;transition:opacity .15s,box-shadow .15s}
.card:hover{box-shadow:0 2px 8px rgba(26,43,74,.08)}
.card.dragging{opacity:.4}.card.drag-over{border-color:var(--brand-orange)}
.card.preset{--card-accent:3px solid var(--brand-orange)}
.card.ret-imported{--card-accent:3px solid var(--green)}
.card-body{font-family:'Inter',sans-serif;flex:1;min-width:0}
.card-hdr{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.card-hdr span{font-size:16.0px;font-weight:600;color:var(--text-primary)}
.card-badge{font-size:14.0px;background:var(--brand-orange-light);color:var(--brand-orange-dark);border-radius:4px;padding:2px 7px;margin-left:6px;font-weight:600}
.badge-green{background:#F0FFF4;color:var(--green)}
.badge-blue{background:#EBF4FF;color:#2B6CB0}
.rm-btn{background:#FFF0F0;border:1px solid #FFBDBD;border-radius:6px;cursor:pointer;color:#C53030;padding:5px 8px;font-size:16.0px;font-weight:700;transition:all .15s;flex-shrink:0}
.rm-btn:hover{background:#FC8181;border-color:#FC8181;color:#fff}
.drag-handle{display:flex;align-items:center;cursor:grab;color:var(--border);padding:2px 0;user-select:none}
.drag-handle svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round}
.drag-handle:hover{color:var(--text-secondary)}
.add-btn{display:flex;align-items:center;gap:6px;background:none;border:1px dashed var(--brand-orange);border-radius:var(--radius);padding:8px 14px;font-size:16.0px;color:var(--brand-orange);cursor:pointer;font-weight:500}
.add-btn:hover{background:var(--brand-orange-light)}
.btn-next{background:var(--brand-orange);color:#fff;border:none;border-radius:var(--radius);padding:9px 20px;font-size:16.0px;font-weight:600;cursor:pointer;display:flex;align-items:center;gap:6px}
.btn-next:hover{background:var(--brand-orange-dark)}
.btn-back{background:none;border:1px solid var(--border);border-radius:var(--radius);padding:9px 18px;font-size:16.0px;cursor:pointer;color:var(--text-primary);display:flex;align-items:center;gap:6px;font-weight:500}
.summary-bar{background:var(--brand-navy);border-radius:var(--radius);padding:14px 18px;margin-bottom:1rem;display:flex;gap:1.5rem;flex-wrap:wrap}
.sum-item{display:flex;flex-direction:column;gap:3px}
.sum-label{font-size:14.0px;color:rgba(255,255,255,.6);font-weight:500;text-transform:uppercase;letter-spacing:.05em}
.sum-val{font-size:23.0px;font-weight:700;color:#fff}
.sum-val-orange{color:var(--brand-orange)}
.tax-bar{background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius);padding:14px 18px;margin-bottom:.5rem}
.tax-top-row{display:flex;gap:0;margin-bottom:12px}
.tax-top-item{flex:1;display:flex;flex-direction:column;gap:4px;padding:0 16px 0 0}
.tax-top-item:first-child{padding-left:0}
.tax-top-item+.tax-top-item{border-left:1px solid var(--border);padding-left:16px}
.tax-top-label{font-size:14.0px;color:var(--text-secondary);font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.tax-top-val{font-size:23.0px;font-weight:700;color:var(--text-primary)}
.tax-top-val-green{color:var(--green)}
.tax-top-val-red{color:var(--red)}
.tax-top-sub{font-size:14.0px;color:var(--text-secondary)}
.surplus-indicator{display:inline-flex;align-items:center;gap:5px;font-size:15.0px;font-weight:700;padding:3px 10px;border-radius:20px;margin-top:2px;width:fit-content}
.ind-surplus{background:#F0FFF4;color:var(--green);border:1px solid #C6F6D5}
.ind-shortfall{background:#FFF5F5;color:var(--red);border:1px solid #FED7D7}
.ind-neutral{background:var(--bg-secondary);color:var(--text-secondary);border:1px solid var(--border)}
.tax-deductions{border-top:1px solid var(--border-light);padding-top:10px;display:flex;gap:1.25rem;flex-wrap:wrap}
.tax-item{display:flex;flex-direction:column;gap:3px;min-width:80px}
.tax-label{font-size:14.0px;color:var(--text-secondary);font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.tax-val-sm{font-size:18.0px;font-weight:700;color:var(--text-primary)}
.tax-val-blue{color:#2B6CB0}
.tax-sub{font-size:14.0px;color:var(--text-secondary);margin-top:1px}
.tax-note{font-size:14.0px;color:var(--text-secondary);margin:4px 0 1rem;font-style:italic}
.rrsp-notice{font-size:15.0px;color:#2B6CB0;background:var(--brand-blue-light);border:1px solid #BEE3F8;border-radius:6px;padding:7px 12px;margin-bottom:.75rem;display:none}
.hint{font-size:15.0px;color:var(--text-secondary);margin:-4px 0 10px;line-height:1.6}
.partner-divider{border-top:3px solid #B0BEC5;margin:1.75rem 0 1.25rem;padding-top:1.25rem;position:relative}
.partner-divider::before{content:'Partner';position:absolute;top:-10px;left:0;background:#fff;padding:0 8px;font-size:13.0px;font-weight:700;color:#5A6A82;text-transform:uppercase;letter-spacing:.08em}
.section-divider{border:none;border-top:3px solid #B0BEC5;margin:1.75rem 0 1.25rem}
.partner-section{display:none}.partner-section.visible{display:block}
.nav{display:flex;justify-content:space-between;align-items:center;margin-top:1.75rem;border-top:1px solid var(--border-light);padding-top:1.25rem}
input[type=checkbox]{width:15px;height:15px;cursor:pointer;accent-color:var(--brand-orange)}
.toggle-row{display:flex;align-items:center;gap:9px;margin-top:4px}
.toggle-row label{font-size:17.0px;color:var(--text-primary);cursor:pointer;font-weight:500}
.chk{display:flex;align-items:center;gap:7px}
.chk label{font-size:16.0px;color:var(--text-secondary);cursor:pointer}
.checks{display:flex;gap:1.5rem;margin-top:10px;padding-top:10px;border-top:1px solid var(--border-light);flex-wrap:wrap}
.preset-btns{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:1rem}
.preset-btn{display:flex;align-items:center;gap:5px;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:6px 12px;font-size:16.0px;color:var(--text-secondary);cursor:pointer;font-weight:500;transition:all .15s}
.preset-btn:hover{border-color:var(--brand-orange);color:var(--brand-orange);background:var(--brand-orange-light)}
.preset-btn.added{opacity:.35;cursor:default;pointer-events:none}
.goal-block{background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius);padding:16px}
.goal-block-title{font-size:16.0px;font-weight:600;color:var(--text-primary);margin:0 0 1rem}
.age-row{display:flex;align-items:center;gap:16px}
.ret-age-display{font-size:43.0px;font-weight:800;color:var(--brand-orange);line-height:1}
.age-right{display:flex;flex-direction:column;gap:4px}
.age-years-label{font-size:15.0px;color:var(--text-secondary)}
.age-stepper{display:flex;gap:6px;margin-top:6px}
.step-btn{width:36px;height:36px;border:2px solid var(--brand-orange);border-radius:8px;background:var(--bg);cursor:pointer;display:flex;align-items:center;justify-content:center;color:var(--brand-orange);font-size:23.0px;font-weight:700;line-height:1;transition:all .15s;flex-shrink:0}
.step-btn:hover{background:var(--brand-orange);color:#fff}
.global-defaults{background:var(--brand-blue-light);border:1px solid #BEE3F8;border-radius:var(--radius);padding:14px;margin-bottom:1.25rem}
.global-defaults-title{font-size:16.0px;font-weight:600;color:var(--brand-navy);margin-bottom:10px}
.apply-btn{font-size:15.0px;background:var(--brand-navy);border:none;border-radius:6px;padding:6px 12px;cursor:pointer;color:#fff;font-weight:600}
.inv-return-card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:14px;margin-bottom:10px}
.inv-return-name{font-size:16.0px;font-weight:600;color:var(--text-primary);margin-bottom:10px}
.pct-input-wrap{position:relative;display:flex;align-items:center}
.pct-input-wrap input{padding-right:24px}
.pct-symbol{position:absolute;right:9px;font-size:16.0px;color:var(--text-secondary);pointer-events:none;font-weight:500}
.import-bar{background:#F0FFF4;border:1px solid #C6F6D5;border-radius:var(--radius);padding:10px 14px;margin-bottom:1rem;display:flex;align-items:center;justify-content:space-between;gap:12px}
.import-bar-text{font-size:15.0px;color:var(--green);font-weight:500}
.sync-btn{font-size:15.0px;background:var(--green);border:none;border-radius:6px;padding:5px 12px;cursor:pointer;color:#fff;font-weight:600;white-space:nowrap}
.inflation-settings{background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius);padding:12px 14px;margin-bottom:1.25rem;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.inflation-settings label{font-size:16.0px;color:var(--text-secondary);font-weight:500}
.inflation-settings input{width:80px}
.chart-controls{background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius);padding:14px;margin-bottom:1.25rem;display:flex;gap:20px;flex-wrap:wrap;align-items:center}
.chart-controls label{font-size:16.0px;color:var(--text-secondary);font-weight:500;white-space:nowrap}
.chart-legend{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:12px;font-size:15.0px;color:var(--text-secondary)}
.legend-item{display:flex;align-items:center;gap:6px}
.legend-swatch{width:12px;height:12px;border-radius:2px;flex-shrink:0}
.empty-chart{display:flex;align-items:center;justify-content:center;height:280px;color:var(--text-secondary);font-size:16.0px;background:var(--bg-secondary);border:1px dashed var(--border);border-radius:var(--radius);text-align:center;padding:1rem}
.adjuster-row{display:flex;align-items:center;gap:10px;margin-top:10px;padding-top:10px;border-top:1px solid var(--border-light)}
.adjuster-row label{font-size:15.0px;color:var(--text-secondary);white-space:nowrap}
.adjuster-row input[type=range]{flex:1;accent-color:var(--brand-orange)}
.adjuster-pct{font-size:16.0px;font-weight:700;color:var(--brand-orange);min-width:38px;text-align:right}
.adjuster-adjusted{font-size:14.0px;color:var(--text-secondary);min-width:80px;text-align:right}
.icon-sm{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;vertical-align:middle}
.icon-md{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;vertical-align:middle}
.pf-controls{display:flex;gap:16px;flex-wrap:wrap;align-items:center;background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius);padding:14px;margin-bottom:1.25rem}
.pf-controls label{font-size:16.0px;color:var(--text-secondary);font-weight:500;white-space:nowrap}
.income-breakdown{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:10px;margin-bottom:1.25rem}
.income-tile{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:12px 14px}
.income-tile-label{font-size:14.0px;color:var(--text-secondary);font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}
.income-tile-val{font-size:21.0px;font-weight:700;color:var(--text-primary)}
.income-tile-sub{font-size:14.0px;color:var(--text-secondary);margin-top:2px}
.income-tile.highlight{border-color:var(--brand-orange)}.income-tile.highlight .income-tile-val{color:var(--brand-orange)}
.income-tile.success{border-color:var(--green)}.income-tile.success .income-tile-val{color:var(--green)}
.income-tile.danger{border-color:var(--red)}.income-tile.danger .income-tile-val{color:var(--red)}
.depleted-banner{background:#FFF5F5;border:1px solid #FED7D7;border-radius:var(--radius);padding:10px 14px;margin-bottom:1rem;font-size:16.0px;color:var(--red);font-weight:600;display:none}
.healthy-banner{background:#F0FFF4;border:1px solid #C6F6D5;border-radius:var(--radius);padding:10px 14px;margin-bottom:1rem;font-size:16.0px;color:var(--green);font-weight:600;display:none}
.tax-chip{display:inline-flex;align-items:center;gap:4px;font-size:14.0px;font-weight:600;background:#EBF8FF;color:#2B6CB0;border:1px solid #BEE3F8;border-radius:4px;padding:2px 7px;margin-left:6px}
.ben-detail-group{margin-bottom:1rem}
.ben-detail-group-title{font-size:14.0px;font-weight:700;color:var(--text-secondary);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px;padding-bottom:5px;border-bottom:2px solid var(--border-light)}
.ben-detail-row{display:flex;align-items:flex-start;gap:8px;font-size:15.0px;color:var(--text-secondary);margin-bottom:6px;line-height:1.5}
.ben-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;margin-top:3px}