:root{color-scheme:light;--bg: #f4f0e8;--bg-soft: #e8e2d7;--surface: rgba(255, 252, 245, .88);--surface-strong: #ffffff;--surface-muted: #f7f1e8;--text: #23231f;--muted: #746f66;--line: rgba(60, 52, 42, .12);--line-strong: rgba(60, 52, 42, .2);--accent: #b98542;--accent-strong: #8c5f2e;--accent-soft: rgba(185, 133, 66, .13);--danger: #b95651;--warning: #b98542;--shadow: 0 22px 60px rgba(40, 37, 31, .12);--soft-shadow: 0 12px 30px rgba(40, 37, 31, .08);--radius: 22px;--radius-sm: 16px;--radius-xs: 12px;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}:root[data-theme=dark]{color-scheme:dark;--bg: #090909;--bg-soft: #11100e;--surface: rgba(24, 23, 20, .82);--surface-strong: #1f1e1a;--surface-muted: #151412;--text: #f6f1e8;--muted: #a49b8e;--line: rgba(246, 232, 206, .09);--line-strong: rgba(246, 232, 206, .17);--accent: #d8b56d;--accent-strong: #f0d99b;--accent-soft: rgba(216, 181, 109, .13);--danger: #ef8f86;--warning: #e0b16a;--shadow: 0 24px 80px rgba(0, 0, 0, .38);--soft-shadow: 0 16px 40px rgba(0, 0, 0, .24)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;min-width:320px;min-height:100vh;color:var(--text);background:radial-gradient(circle at 8% -8%,rgba(216,181,109,.17),transparent 28rem),radial-gradient(circle at 86% 10%,rgba(126,167,199,.13),transparent 24rem),linear-gradient(180deg,var(--bg),var(--bg-soft))}body:before{position:fixed;inset:0;z-index:-1;content:"";background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.022) 1px,transparent 1px);background-size:64px 64px;-webkit-mask-image:linear-gradient(to bottom,black,transparent 72%);mask-image:linear-gradient(to bottom,black,transparent 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svg{width:100%;height:100%;transform:rotate(-90deg)}.budget-ring circle{fill:none;stroke-width:10;stroke:#ffffff1a}:root:not([data-theme=dark]) .budget-ring circle{stroke:#1d322c1a}.budget-ring circle+circle{stroke:var(--accent);stroke-linecap:round;stroke-dasharray:1}.budget-ring strong{position:absolute;inset:0 0 14px;display:grid;place-items:center;font-size:1.2rem}.budget-ring small{position:absolute;right:0;bottom:25px;left:0;color:var(--muted);font-size:.68rem;font-weight:850;letter-spacing:.06em;text-align:center;text-transform:uppercase}.money-split{position:relative;z-index:1;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.money-split div{padding:16px;background:#ffffff0b;border:1px solid var(--line);border-radius:var(--radius-sm)}:root:not([data-theme=dark]) .money-split div{background:#ffffffad}.money-split strong{display:block;margin-top:8px;font-size:clamp(1.35rem,2.4vw,2.05rem)}.budget-bar{position:relative;z-index:1;height:10px;overflow:hidden;background:#ffffff14;border-radius:999px}:root:not([data-theme=dark]) .budget-bar{background:#1d322c1a}.budget-bar i{display:block;height:100%;background:linear-gradient(90deg,var(--accent-strong),var(--accent));border-radius:inherit;box-shadow:0 0 24px #d8b56d47}.budget-meta{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between;gap:14px;color:var(--muted);font-size:.9rem;font-weight:720}.setup-callout{position:relative;z-index:1;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:14px;padding:14px;background:#d8b56d1a;border:1px solid rgba(216,181,109,.2);border-radius:20px}.setup-icon{width:44px;height:44px;border-radius:15px}.setup-callout strong{display:block;margin-bottom:3px}.text-action{min-height:38px;padding:0 12px;color:var(--accent-strong);background:transparent;font-weight:820}.coach-card{position:relative;overflow:hidden;display:grid;align-content:space-between;gap:20px;min-height:330px;padding:clamp(22px,3vw,30px);background:linear-gradient(150deg,rgba(216,181,109,.16),transparent 46%),linear-gradient(180deg,#ffffff0e,#ffffff05);border-color:#d8b56d3d;border-radius:30px}.coach-chat-card{height:100%;min-height:545px;max-height:545px;grid-template-rows:auto minmax(0,1fr) auto auto;gap:14px;padding:18px}.coach-card--loading{border-color:color-mix(in srgb,var(--accent) 42%,transparent)}.coach-card--loading:after{position:absolute;left:24px;right:24px;bottom:20px;height:3px;overflow:hidden;content:"";background:linear-gradient(90deg,transparent,var(--accent),transparent),#ffffff0f;background-size:44% 100%,100% 100%;border-radius:999px;animation:coach-loading 1.2s ease-in-out infinite}.coach-card--praise{border-color:#7ea77d47}.coach-card--warning{border-color:#e0b16a57}.coach-card--strict{border-color:#ef8f865c}@keyframes coach-loading{0%{background-position:-60% 0,0 0}to{background-position:160% 0,0 0}}.money-plan-card{display:grid;grid-template-columns:minmax(220px,.65fr) minmax(0,1.35fr);align-items:center;gap:18px;padding:clamp(18px,2.4vw,24px);background:var(--surface);border-radius:24px}.money-plan-card h2{margin-top:6px}.sheets-cta-card{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 20px;background:#ffffff07;border-radius:22px}.sheets-cta-card span{color:var(--muted);font-size:.74rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase}.sheets-cta-card h2{margin-top:4px}.plan-breakdown{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px;align-items:stretch}.plan-breakdown article{min-width:0;display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto;column-gap:10px;row-gap:4px;padding:14px 13px;background:#ffffff09;border:1px solid var(--line);border-radius:16px}:root:not([data-theme=dark]) .plan-breakdown article{background:#ffffff9e}.plan-breakdown strong{display:block;grid-column:2;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;font-size:1.04rem}.plan-breakdown article>span:not(.plan-operator){grid-column:2}.plan-operator{grid-row:1 / span 2;align-self:center;min-width:16px;color:var(--accent-strong);font-size:1.35rem;font-weight:900;line-height:1}.plan-item--income .plan-operator{min-width:0}.plan-total{border-color:color-mix(in srgb,var(--accent) 42%,transparent);background:var(--accent-soft)!important}.coach-card:before{position:absolute;inset:0;content:"";background:radial-gradient(circle at top right,rgba(216,181,109,.18),transparent 16rem);pointer-events:none}.coach-card>*{position:relative;z-index:1}.coach-card__header{display:flex;align-items:center;gap:10px}.coach-chat-header{display:flex;align-items:center;justify-content:space-between;gap:12px}.coach-card__header small{display:block;margin-top:3px;color:var(--muted);font-size:.78rem;font-weight:700}.coach-avatar{width:44px;height:44px;border-radius:15px}.coach-card p{font-size:1rem}.coach-messages{min-height:0;height:auto;max-height:none;overflow-y:auto;display:flex;flex-direction:column;gap:16px;padding:8px 10px 16px 2px;scrollbar-width:thin}.coach-empty-chat{display:grid;gap:12px;align-content:center;min-height:300px}.coach-empty-chat svg{color:var(--accent-strong)}.coach-empty-chat p{max-width:34ch}.coach-prompt-chips{display:flex;flex-wrap:wrap;gap:8px}.coach-prompt-chips button{min-height:34px;padding:0 11px;color:var(--text);cursor:pointer;background:#ffffff0e;border:1px solid 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#0000001f}.coach-message--assistant{align-self:flex-start;background:#ffffff0d;border-top-left-radius:7px}.coach-message--user{align-self:flex-end;color:#11100e;background:linear-gradient(135deg,var(--accent-strong),var(--accent));border-color:transparent;border-top-right-radius:7px}.coach-message--user p{color:#11100e}.coach-message--warning,.coach-message--strict{border-color:color-mix(in srgb,var(--warning) 34%,transparent)}.coach-message strong{font-size:.95rem;line-height:1.25}.coach-message p{color:inherit;font-size:.91rem;line-height:1.62}.coach-calculation{display:grid;gap:8px}.coach-calculation button{justify-self:start;min-height:28px;padding:0 10px;color:var(--accent-strong);cursor:pointer;background:#d8b56d1a;border:1px solid color-mix(in srgb,var(--accent) 30%,transparent);border-radius:999px;font-size:.76rem;font-weight:850}.coach-message ul{display:grid;gap:6px;margin:4px 0 0;padding-left:18px;color:var(--muted);font-size:.82rem;line-height:1.5}.coach-message li:nth-child(n+5){display:none}.coach-message em{color:var(--accent-strong);font-size:.83rem;font-style:normal;font-weight:760;line-height:1.45}.coach-message--loading{grid-template-columns:auto 1fr;align-items:center}.coach-message--loading svg{color:var(--accent);animation:spin .9s linear infinite}.coach-chat-input{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:10px;padding-top:12px;border-top:1px solid var(--line)}.coach-chat-input input{min-height:48px;border-radius:999px}.coach-chat-input .primary-button{grid-column:auto;width:48px;min-width:48px;min-height:48px;padding:0;box-shadow:0 12px 28px #d8b56d2e}.coach-chat-footer{display:flex;justify-content:space-between;gap:10px;color:var(--muted);font-size:.76rem;font-weight:800}@keyframes spin{to{transform:rotate(360deg)}}.insight-chips{display:flex;flex-wrap:wrap;gap:8px}.insight-chips span{display:inline-flex;align-items:center;gap:6px;padding:8px 10px;color:var(--text);background:#ffffff0e;border:1px solid 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