:root{
  --paper:#EDEEE4; --paper-2:#E5E6D9; --ink:#1F2A24; --ink-soft:#4B564E;
  --brass:#9C7A3C; --brass-light:#C7A968; --forest:#2E5339; --forest-light:#DCE7DD;
  --rust:#A6432E; --rust-light:#F1DCD5; --line:#C9C2AC; --white:#FAF9F3;
}
*{box-sizing:border-box;}
body{margin:0;background:var(--paper);color:var(--ink);font-family:'Inter',sans-serif;-webkit-font-smoothing:antialiased;}
h1,h2,h3,.display{font-family:'Zilla Slab',serif;font-weight:600;letter-spacing:-0.01em;}
.num{font-family:'IBM Plex Mono',monospace;}
button{font-family:inherit;cursor:pointer;}
a{color:var(--brass);}

/* ---- Auth / gate screens ---- */
.gate{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:20px;}
.gate-card{width:100%;max-width:380px;background:var(--white);border:1px solid var(--line);border-radius:8px;padding:34px 30px;}
.gate-card .mark{font-family:'Zilla Slab',serif;font-weight:700;font-size:26px;margin-bottom:4px;}
.gate-card .mark span{color:var(--brass);}
.gate-card .sub{font-size:12.5px;color:var(--ink-soft);margin-bottom:24px;}
.gate-card label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:0.05em;color:var(--ink-soft);margin-bottom:5px;margin-top:14px;}
.gate-card input{width:100%;padding:10px 11px;border:1px solid var(--line);border-radius:4px;background:var(--paper);font-size:14px;}
.gate-card input:focus{outline:2px solid var(--brass-light);border-color:var(--brass);}
.gate-card .err{color:var(--rust);font-size:12.5px;margin-top:10px;min-height:16px;}
.btn{display:inline-block;padding:10px 20px;border-radius:4px;border:1px solid var(--ink);background:var(--ink);color:var(--white);font-size:13.5px;font-weight:600;width:100%;margin-top:18px;transition:.15s;}
.btn:hover{background:var(--forest);border-color:var(--forest);}
.btn.secondary{background:none;color:var(--ink);}
.btn.secondary:hover{background:var(--paper-2);}
.switch-line{text-align:center;font-size:12.5px;color:var(--ink-soft);margin-top:16px;}
.switch-line button{background:none;border:none;color:var(--brass);text-decoration:underline;font-size:12.5px;}

/* ---- Onboarding ---- */
.ob-card{width:100%;max-width:560px;background:var(--white);border:1px solid var(--line);border-radius:8px;padding:34px 34px 30px;}
.ob-step-label{font-size:11px;text-transform:uppercase;letter-spacing:0.06em;color:var(--brass);font-weight:700;margin-bottom:6px;}
.ob-card h2{font-size:20px;margin:0 0 6px;}
.ob-card p.desc{font-size:13px;color:var(--ink-soft);margin-bottom:20px;line-height:1.5;}
.yn-row{display:flex;gap:10px;}
.yn-row button{flex:1;padding:14px;border:1px solid var(--line);border-radius:6px;background:var(--paper);font-weight:600;font-size:14px;}
.yn-row button:hover{border-color:var(--brass);}
.loan-form{border:1px solid var(--line);border-radius:6px;padding:16px;margin-bottom:14px;background:var(--paper);}
.form-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;}
.form-grid label{display:block;font-size:10.5px;text-transform:uppercase;letter-spacing:0.04em;color:var(--ink-soft);margin-bottom:4px;}
.form-grid input, .form-grid select{width:100%;padding:8px 9px;border:1px solid var(--line);border-radius:4px;background:var(--white);font-size:13.5px;}
.reminder-days{display:flex;gap:6px;flex-wrap:wrap;margin-top:10px;}
.rd-chip{padding:5px 11px;border:1px solid var(--line);border-radius:14px;font-size:12px;background:var(--white);}
.rd-chip.on{background:var(--forest);color:var(--white);border-color:var(--forest);}
.loan-list-mini{margin-bottom:14px;}
.loan-mini-row{display:flex;justify-content:space-between;padding:8px 12px;border:1px solid var(--line);border-radius:5px;margin-bottom:6px;font-size:13px;background:var(--paper);}
.loan-mini-row .x{background:none;border:none;color:var(--rust);}
.toggle-block{display:flex;align-items:center;justify-content:space-between;border:1px solid var(--line);border-radius:6px;padding:16px;margin-bottom:6px;}
.toggle-block .txt h3{font-size:14.5px;margin:0 0 4px;}
.toggle-block .txt p{font-size:12px;color:var(--ink-soft);margin:0;}
.switch{position:relative;width:44px;height:24px;background:var(--line);border-radius:12px;border:none;flex-shrink:0;}
.switch.on{background:var(--forest);}
.switch::after{content:'';position:absolute;top:2px;left:2px;width:20px;height:20px;background:white;border-radius:50%;transition:.15s;}
.switch.on::after{left:22px;}
.ob-nav{display:flex;justify-content:space-between;margin-top:22px;}
.ob-nav button{padding:9px 18px;}

/* ---- App shell (reused passbook design) ---- */
#appRoot{max-width:1160px;margin:0 auto;padding:0 20px 80px;}
.masthead{padding:28px 0 16px;border-bottom:2px solid var(--ink);display:flex;justify-content:space-between;align-items:flex-end;gap:14px;flex-wrap:wrap;}
.masthead .brand{display:flex;align-items:baseline;gap:12px;}
.masthead .brand .mark{font-family:'Zilla Slab',serif;font-weight:700;font-size:28px;letter-spacing:-0.02em;}
.masthead .brand .mark span{color:var(--brass);}
.masthead .tagline{font-size:12px;color:var(--ink-soft);letter-spacing:0.02em;}
.masthead-right{display:flex;flex-direction:column;align-items:flex-end;gap:6px;}
.masthead-right .userline{font-size:11.5px;color:var(--ink-soft);font-family:'IBM Plex Mono',monospace;}
.masthead-right .actions{display:flex;gap:8px;}
.mini-btn{background:none;border:1px solid var(--line);border-radius:4px;padding:5px 10px;font-size:11.5px;}
.mini-btn:hover{border-color:var(--brass);}

.tabs{display:flex;gap:2px;overflow-x:auto;border-bottom:2px solid var(--ink);}
.tab-btn{background:var(--paper-2);border:1px solid var(--line);border-bottom:none;padding:11px 16px 9px;font-size:13px;font-weight:600;color:var(--ink-soft);border-radius:6px 6px 0 0;white-space:nowrap;position:relative;top:2px;}
.tab-btn.active{background:var(--white);color:var(--ink);border-color:var(--ink);border-bottom:2px solid var(--white);}
.panel{background:var(--white);border:1px solid var(--line);border-top:none;padding:26px 24px 30px;}
.section-title{display:flex;align-items:baseline;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-bottom:18px;}
.section-title h2{font-size:20px;margin:0;}
.section-title .sub{font-size:12.5px;color:var(--ink-soft);}

.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-bottom:24px;}
.stat-card{background:var(--white);padding:15px 17px;}
.stat-card .label{font-size:10.5px;text-transform:uppercase;letter-spacing:0.06em;color:var(--ink-soft);margin-bottom:8px;}
.stat-card .value{font-family:'IBM Plex Mono',monospace;font-size:22px;font-weight:600;}
.stat-card .value.pos{color:var(--forest);}
.stat-card .value.neg{color:var(--rust);}
@media(max-width:760px){.stat-row{grid-template-columns:repeat(2,1fr);}}

.register{border-top:1px solid var(--line);}
.reg-row{display:grid;grid-template-columns:74px 1fr 100px 100px 100px auto;gap:8px;align-items:center;padding:10px 4px;border-bottom:1px dotted var(--line);font-size:13px;}
.reg-row.head{font-size:10px;text-transform:uppercase;letter-spacing:0.05em;color:var(--ink-soft);border-bottom:1px solid var(--ink);padding-bottom:8px;}
.reg-row .date{font-family:'IBM Plex Mono',monospace;color:var(--ink-soft);font-size:11.5px;}
.reg-row .cat{display:inline-block;font-size:10px;padding:2px 6px;border-radius:2px;background:var(--paper-2);color:var(--ink-soft);width:fit-content;}
.reg-row .debit{font-family:'IBM Plex Mono',monospace;text-align:right;color:var(--rust);}
.reg-row .credit{font-family:'IBM Plex Mono',monospace;text-align:right;color:var(--forest);}
.reg-row .del{background:none;border:none;color:var(--ink-soft);font-size:14px;opacity:.5;}
.reg-row .del:hover{opacity:1;color:var(--rust);}
.empty-note{padding:28px 10px;text-align:center;color:var(--ink-soft);font-size:13px;}
@media(max-width:700px){.reg-row{grid-template-columns:56px 1fr 74px auto;}.reg-row .cat{display:none;}}

label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:0.05em;color:var(--ink-soft);margin-bottom:5px;}
input,select,textarea{width:100%;padding:9px 10px;border:1px solid var(--line);border-radius:4px;background:var(--paper);font-size:14px;color:var(--ink);}
.toggle-row{display:flex;gap:8px;margin-bottom:16px;}
.toggle-opt{flex:1;padding:9px;text-align:center;border:1px solid var(--line);border-radius:4px;font-size:13px;font-weight:600;color:var(--ink-soft);background:var(--white);}
.toggle-opt.active.income{background:var(--forest-light);border-color:var(--forest);color:var(--forest);}
.toggle-opt.active.expense{background:var(--rust-light);border-color:var(--rust);color:var(--rust);}

.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px;}
.fin-card{border:1px solid var(--line);border-radius:6px;padding:15px 17px;position:relative;}
.fin-card .del-card{position:absolute;top:10px;right:12px;background:none;border:none;color:var(--ink-soft);opacity:.5;}
.fin-card h3{font-size:15.5px;margin:0 0 10px;padding-right:20px;}
.fin-card .row{display:flex;justify-content:space-between;font-size:12px;padding:4px 0;border-bottom:1px dotted var(--line);}
.fin-card .row .k{color:var(--ink-soft);}
.fin-card .row .v{font-family:'IBM Plex Mono',monospace;font-weight:600;}
.due-badge{display:inline-block;margin-top:10px;font-size:11px;padding:4px 9px;border-radius:3px;background:var(--brass-light);color:#4a3a17;font-weight:600;}
.due-badge.soon{background:var(--rust);color:#fff;}

.chart-box{border:1px solid var(--line);border-radius:6px;padding:16px;}
.chart-box h3{font-size:13px;margin:0 0 12px;text-transform:uppercase;letter-spacing:0.04em;color:var(--ink-soft);}
.charts-row{display:grid;grid-template-columns:1.1fr 1fr;gap:20px;margin-top:20px;}
@media(max-width:800px){.charts-row{grid-template-columns:1fr;}}

.tip-card{border:1px solid var(--line);border-radius:6px;padding:16px 18px;background:var(--paper);margin-bottom:12px;}
.tip-card .eyebrow{font-size:10px;text-transform:uppercase;color:var(--brass);font-weight:700;margin-bottom:5px;}
.tip-card p{font-size:13px;color:var(--ink-soft);margin:0;line-height:1.5;}

.footer-note{margin-top:26px;font-size:11px;color:var(--ink-soft);text-align:center;}