:root{
  --bg:#f5f7fb;
  --panel:#ffffff;
  --panel-2:#eef2f7;
  --text:#142033;
  --muted:#708096;
  --line:#dfe6ef;
  --accent:#3468ff;
  --accent-2:#234dc4;
  --good:#159c68;
  --warn:#e69a22;
  --danger:#d44848;
  --shadow:0 14px 40px rgba(24,39,75,.08);
}
body.dark{
  --bg:#0e1420;
  --panel:#161f2d;
  --panel-2:#1d2939;
  --text:#f2f6fc;
  --muted:#9aabc1;
  --line:#2b394d;
  --accent:#6f92ff;
  --accent-2:#5378ee;
  --shadow:0 14px 40px rgba(0,0,0,.25);
}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--bg);color:var(--text)}
button,input,select{font:inherit}
button{cursor:pointer}
.app-shell{display:grid;grid-template-columns:250px 1fr;min-height:100vh}
.sidebar{background:#0d1726;color:white;padding:26px 18px;display:flex;flex-direction:column;gap:28px;position:sticky;top:0;height:100vh}
.brand{display:flex;align-items:center;gap:12px;padding:0 8px}
.brand-mark{width:42px;height:42px;border-radius:13px;background:linear-gradient(135deg,#6f92ff,#2451d6);display:grid;place-items:center;font-weight:800;font-size:20px}
.brand h1{font-size:17px;margin:0}.brand p{font-size:12px;margin:3px 0 0;color:#9fb0c8}
nav{display:flex;flex-direction:column;gap:7px}
.nav-btn{background:transparent;border:0;color:#aebed2;text-align:left;padding:12px 14px;border-radius:10px}
.nav-btn:hover,.nav-btn.active{background:#1b2a40;color:white}
.privacy-card{margin-top:auto;background:#16243a;border:1px solid #263750;padding:14px;border-radius:12px;display:flex;flex-direction:column;gap:4px;font-size:12px;color:#9fb0c8}
.privacy-card strong{color:white}
main{padding:28px 34px 60px;min-width:0}
.topbar{display:flex;justify-content:space-between;align-items:center;margin-bottom:24px}
.topbar h2{margin:3px 0 0;font-size:30px}
.eyebrow{font-size:11px;letter-spacing:.13em;font-weight:800;color:var(--accent);margin:0}
.top-actions{display:flex;gap:10px}
button.primary,button.secondary,button.danger{border-radius:10px;padding:10px 14px;border:1px solid transparent;font-weight:700}
button.primary{background:var(--accent);color:white}
button.primary:hover{background:var(--accent-2)}
button.secondary{background:var(--panel);border-color:var(--line);color:var(--text)}
button.danger{background:transparent;border-color:#efb5b5;color:var(--danger)}
.view{display:none}.view.active{display:block}
.hero-card{background:linear-gradient(135deg,#1c3f9e,#3f73ff);color:white;border-radius:22px;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;box-shadow:var(--shadow);margin-bottom:20px}
.hero-card p{margin:0 0 6px;color:#cad8ff}.hero-card h3{font-size:40px;margin:0 0 8px}.hero-card span{color:#dbe4ff}
.score-wrap{text-align:center}.score-wrap p{margin-top:8px}
.score-ring{--score:85;width:92px;height:92px;border-radius:50%;display:grid;place-items:center;background:conic-gradient(#fff calc(var(--score)*1%),rgba(255,255,255,.22) 0);position:relative}
.score-ring:after{content:"";position:absolute;width:72px;height:72px;background:#2f60dc;border-radius:50%}
.score-ring span{z-index:1;font-size:25px;font-weight:800;color:white}
.stats-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-bottom:20px}
.stat-card,.panel{background:var(--panel);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow)}
.stat-card{padding:20px}.stat-card p{margin:0;color:var(--muted);font-size:13px}.stat-card h3{margin:8px 0 4px;font-size:24px}.stat-card span{color:var(--muted);font-size:12px}
.two-col{display:grid;grid-template-columns:1.35fr 1fr;gap:18px;margin-bottom:20px}
.panel{padding:22px;margin-bottom:20px}
.panel-head{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:18px;gap:16px}
.panel h3{margin:5px 0 0}.muted{color:var(--muted);margin:5px 0 0;font-size:13px}
.bars{display:flex;flex-direction:column;gap:14px}
.bar-row{display:grid;grid-template-columns:120px 1fr 82px;gap:12px;align-items:center;font-size:13px}
.bar-track{height:9px;background:var(--panel-2);border-radius:100px;overflow:hidden}
.bar-fill{height:100%;background:var(--accent);border-radius:100px}
.tips{display:flex;flex-direction:column;gap:10px}
.tip{padding:13px;border-radius:12px;background:var(--panel-2);font-size:13px;line-height:1.45}
.tip.good{border-left:4px solid var(--good)}.tip.warn{border-left:4px solid var(--warn)}.tip.danger{border-left:4px solid var(--danger)}
.expense-row{display:grid;grid-template-columns:1.3fr .8fr .7fr auto;align-items:center;gap:14px;padding:13px 0;border-bottom:1px solid var(--line)}
.expense-row:last-child{border-bottom:0}.expense-name{font-weight:700}.expense-meta{font-size:12px;color:var(--muted);margin-top:3px}.amount{font-weight:800;text-align:right}
.link-btn,.icon-btn{border:0;background:transparent;color:var(--accent);font-weight:700}
.budget-editor{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.budget-item{display:grid;grid-template-columns:1fr 150px;gap:14px;align-items:center;padding:13px;background:var(--panel-2);border-radius:12px}
.budget-item label{font-weight:700}.budget-item small{display:block;color:var(--muted);margin-top:3px}
input,select{width:100%;border:1px solid var(--line);background:var(--panel);color:var(--text);border-radius:9px;padding:10px 11px;outline:none}
input:focus,select:focus{border-color:var(--accent)}
.budget-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}
.budget-summary div{padding:15px;background:var(--panel-2);border-radius:12px;display:flex;flex-direction:column;gap:5px}.budget-summary span{font-size:12px;color:var(--muted)}
.filters{display:grid;grid-template-columns:1fr 220px;gap:12px;margin-bottom:12px}
.form-stack{display:flex;flex-direction:column;gap:13px}.form-stack label,.form-grid label{font-size:13px;font-weight:700}.form-stack input,.form-stack select,.form-grid input{margin-top:6px}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.form-grid button{width:max-content}
.goal-card{padding:15px;background:var(--panel-2);border-radius:12px;margin-bottom:12px}
.goal-head{display:flex;justify-content:space-between;gap:12px}.goal-card h4{margin:0}.goal-card p{margin:4px 0 10px;color:var(--muted);font-size:12px}
.progress{height:9px;background:var(--panel);border-radius:99px;overflow:hidden}.progress span{display:block;height:100%;background:var(--good)}
.goal-footer{display:flex;justify-content:space-between;margin-top:9px;font-size:12px;color:var(--muted)}
.export-actions{display:flex;gap:10px;flex-wrap:wrap}
.modal{position:fixed;inset:0;background:rgba(4,10,20,.58);display:grid;place-items:center;padding:20px;z-index:20}
.modal.hidden{display:none}.modal-card{width:min(460px,100%);background:var(--panel);border-radius:17px;padding:22px;box-shadow:0 30px 90px rgba(0,0,0,.35)}
.modal-head{display:flex;justify-content:space-between;margin-bottom:18px}.icon-btn{font-size:26px;color:var(--muted)}
.empty{padding:28px;text-align:center;color:var(--muted);background:var(--panel-2);border-radius:12px}
.tag{display:inline-block;padding:5px 8px;border-radius:8px;background:var(--panel-2);font-size:12px;color:var(--muted)}
.delete-expense{color:var(--danger);font-size:12px}
hr{border:0;border-top:1px solid var(--line);margin:24px 0}
@media(max-width:1000px){.stats-grid{grid-template-columns:repeat(2,1fr)}.two-col{grid-template-columns:1fr}.budget-editor{grid-template-columns:1fr}}
@media(max-width:760px){.app-shell{display:block}.sidebar{height:auto;position:static;padding:18px}.sidebar nav{display:grid;grid-template-columns:repeat(2,1fr)}.privacy-card{display:none}main{padding:20px 16px 50px}.topbar{align-items:flex-start}.top-actions{flex-direction:column}.hero-card h3{font-size:31px}.stats-grid{grid-template-columns:1fr}.budget-summary,.form-grid{grid-template-columns:1fr}.filters{grid-template-columns:1fr}.expense-row{grid-template-columns:1fr auto}.expense-row>div:nth-child(2),.expense-row>div:nth-child(3){display:none}}
@media print{.sidebar,.topbar,.export-actions,.delete-expense{display:none!important}.app-shell{display:block}main{padding:0}.view{display:none!important}#reports{display:block!important}.panel,.stat-card{box-shadow:none}}

.income-row{display:grid;grid-template-columns:1.3fr .8fr .7fr auto;align-items:center;gap:14px;padding:13px 0;border-bottom:1px solid var(--line)}
.income-row:last-child{border-bottom:0}
.income-amount{font-weight:800;text-align:right;color:var(--good)}
.loan-card{padding:15px;background:var(--panel-2);border-radius:12px;margin-bottom:12px}
.loan-card.borrowed{border-left:4px solid var(--danger)}
.loan-card.lent{border-left:4px solid var(--good)}
.loan-actions{display:flex;gap:8px;margin-top:12px;flex-wrap:wrap}
.loan-actions button{padding:7px 10px}
@media(max-width:760px){.income-row{grid-template-columns:1fr auto}.income-row>div:nth-child(2),.income-row>div:nth-child(3){display:none}}