* { box-sizing: border-box; margin: 0; padding: 0; }
  :root {
    --bg:#0f1117; --surface:#1a1d27; --surface2:#22263a; --border:#2e3350;
    --accent:#4f8ef7; --green:#3ecf8e; --red:#f7635b; --yellow:#f5a623;
    --text:#e8eaf0; --muted:#7c82a0;
    --hannah:#c084fc; --rick:#4f8ef7; --shared:#3ecf8e;
    --radius:10px; --font:'Segoe UI',system-ui,sans-serif;
  }
  body { background:var(--bg); color:var(--text); font-family:var(--font); font-size:14px; min-height:100vh; }

  /* ── AUTH ── */
  #auth-screen { display:flex; align-items:center; justify-content:center; min-height:100vh; padding:20px; }
  .auth-card { background:var(--surface); border:1px solid var(--border); border-radius:16px; padding:32px 28px; width:100%; max-width:360px; }
  .auth-card h1 { font-size:20px; font-weight:700; margin-bottom:4px; }
  .auth-card p  { font-size:13px; color:var(--muted); margin-bottom:24px; }
  .auth-step { display:none; flex-direction:column; gap:14px; }
  .auth-step.active { display:flex; }
  .auth-field { display:flex; flex-direction:column; gap:5px; }
  .auth-field label { font-size:10px; color:var(--muted); text-transform:uppercase; letter-spacing:.07em; }
  .auth-error { color:var(--red); font-size:12px; min-height:16px; }
  .auth-info  { color:var(--muted); font-size:12px; line-height:1.5; }
  .auth-divider { height:1px; background:var(--border); margin:4px 0; }

  /* password field with toggle */
  .pw-wrap { position:relative; display:flex; align-items:center; }
  .pw-wrap input { padding-right:40px; }
  .pw-toggle { position:absolute; right:10px; background:none; border:none; cursor:pointer; color:var(--muted); padding:4px; display:flex; align-items:center; transition:color .15s; }
  .pw-toggle:hover { color:var(--text); }
  .pw-toggle svg { width:16px; height:16px; }

  /* field error state */
  input.input-error { border-color:var(--red) !important; }

  /* auth error — now has icon */
  .auth-error { display:flex; align-items:flex-start; gap:6px; color:var(--red); font-size:12px; min-height:16px; line-height:1.4; }
  .auth-error:empty { display:none; }
  .auth-error-icon { flex-shrink:0; margin-top:1px; }

  /* auth success */
  .auth-success { display:flex; align-items:flex-start; gap:6px; color:var(--green); font-size:12px; min-height:16px; line-height:1.4; }
  .auth-success:empty { display:none; }

  /* MFA setup QR */
  #mfa-qr-wrap { display:flex; flex-direction:column; align-items:center; gap:10px; }
  #mfa-qr-wrap img { border-radius:8px; background:#fff; padding:8px; width:160px; height:160px; }
  #mfa-secret-text { font-size:11px; color:var(--muted); word-break:break-all; text-align:center; }

  /* ── HEADER ── */
  header { background:var(--surface); border-bottom:1px solid var(--border); padding:12px 18px; display:flex; align-items:center; justify-content:space-between; gap:10px; flex-wrap:wrap; }
  header h1 { font-size:16px; font-weight:600; }
  .header-right { display:flex; gap:8px; align-items:center; flex-wrap:wrap; }
  .rate-badge { background:var(--surface2); border:1px solid var(--border); border-radius:20px; padding:4px 12px; font-size:12px; color:var(--muted); white-space:nowrap; }
  .rate-badge b { color:var(--accent); }
  .user-badge { background:var(--surface2); border:1px solid var(--border); border-radius:20px; padding:4px 12px; font-size:12px; color:var(--muted); display:flex; align-items:center; gap:7px; }
  .user-badge span { color:var(--text); }

  main { max-width:1100px; margin:0 auto; padding:18px 16px; display:grid; gap:16px; }

  /* ── STATS ── */
  .stats { display:grid; grid-template-columns:repeat(auto-fit,minmax(155px,1fr)); gap:10px; }
  .stat-card { background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); padding:13px 15px; }
  .stat-card .label { font-size:10px; color:var(--muted); text-transform:uppercase; letter-spacing:.08em; margin-bottom:4px; }
  .stat-card .value { font-size:20px; font-weight:700; letter-spacing:-.02em; }
  .stat-card .sub   { font-size:10px; color:var(--muted); margin-top:3px; }
  .val-green{color:var(--green);} .val-red{color:var(--red);} .val-accent{color:var(--accent);} .val-yellow{color:var(--yellow);}

  .two-col { display:grid; grid-template-columns:1fr 1fr; gap:16px; }
  @media(max-width:680px){.two-col{grid-template-columns:1fr;}}

  /* ── PANELS ── */
  .panel { background:var(--surface); border:1px solid var(--border); border-radius:var(--radius); overflow:hidden; }
  .panel-header { padding:12px 16px; border-bottom:1px solid var(--border); font-size:13px; font-weight:600; display:flex; align-items:center; justify-content:space-between; }
  .panel-body { padding:16px; }

  .form-grid { display:grid; grid-template-columns:1fr 1fr; gap:12px; }
  @media(max-width:480px){.form-grid{grid-template-columns:1fr;}}
  .field { display:flex; flex-direction:column; gap:5px; }
  .field.full { grid-column:1/-1; }
  label { font-size:10px; color:var(--muted); text-transform:uppercase; letter-spacing:.07em; }

  input, select {
    background:var(--surface2); border:1px solid var(--border); border-radius:6px;
    color:var(--text); padding:8px 10px; font-size:13px; font-family:inherit;
    outline:none; transition:border-color .15s; width:100%;
  }
  input:focus, select:focus { border-color:var(--accent); }
  select option { background:var(--surface2); }

  /* ── TOGGLES ── */
  .toggle-group { display:flex; gap:6px; flex-wrap:wrap; }
  .toggle-btn { padding:7px 14px; border-radius:6px; border:1px solid var(--border); background:var(--surface2); color:var(--muted); font-size:12px; font-weight:600; cursor:pointer; transition:background .15s,color .15s,border-color .15s; font-family:inherit; white-space:nowrap; }
  .toggle-btn:hover { border-color:var(--accent); color:var(--text); }
  .toggle-btn.active-hannah  { background:rgba(192,132,252,.18); border-color:var(--hannah); color:var(--hannah); }
  .toggle-btn.active-rick    { background:rgba(79,142,247,.18);  border-color:var(--rick);   color:var(--rick);   }
  .toggle-btn.active-shared  { background:rgba(62,207,142,.18);  border-color:var(--shared); color:var(--shared); }
  .toggle-btn.active-income  { background:rgba(62,207,142,.18);  border-color:var(--green);  color:var(--green);  }
  .toggle-btn.active-expense { background:rgba(247,99,91,.18);   border-color:var(--red);    color:var(--red);    }

  /* ── BUTTONS ── */
  .btn { background:var(--accent); color:#fff; border:none; border-radius:6px; padding:9px 18px; font-size:13px; font-weight:600; cursor:pointer; transition:opacity .15s; font-family:inherit; display:inline-flex; align-items:center; justify-content:center; gap:6px; }
  .btn:hover:not(:disabled){opacity:.85;} .btn:disabled{opacity:.5;cursor:not-allowed;}
  .btn-full{width:100%;} .btn-sm{padding:5px 10px;font-size:11px;} .btn-danger{background:var(--red);}
  .btn-ghost { background:transparent; border:1px solid var(--border); color:var(--muted); border-radius:6px; padding:9px 18px; font-size:13px; font-weight:600; cursor:pointer; transition:border-color .15s,color .15s; font-family:inherit; }
  .btn-ghost:hover{border-color:var(--accent);color:var(--text);}
  .btn-link { background:none; border:none; color:var(--accent); font-size:12px; cursor:pointer; padding:0; font-family:inherit; }

  /* ── MODALS ── */
  .modal-overlay { display:none; position:fixed; inset:0; background:rgba(0,0,0,.65); backdrop-filter:blur(3px); z-index:100; align-items:center; justify-content:center; padding:16px; }
  .modal-overlay.open{display:flex;}
  .modal { background:var(--surface); border:1px solid var(--border); border-radius:14px; width:100%; max-width:480px; animation:modalIn .18s ease; max-height:92vh; display:flex; flex-direction:column; }
  @keyframes modalIn{from{opacity:0;transform:translateY(10px) scale(.98);}to{opacity:1;transform:none;}}
  .modal-header { padding:15px 18px; border-bottom:1px solid var(--border); display:flex; align-items:center; justify-content:space-between; flex-shrink:0; }
  .modal-header h2{font-size:15px;font-weight:600;}
  .modal-close{background:none;border:none;color:var(--muted);font-size:20px;cursor:pointer;padding:2px 6px;border-radius:4px;}
  .modal-close:hover{color:var(--text);}
  .modal-body{padding:18px;display:flex;flex-direction:column;gap:15px;overflow-y:auto;flex:1;}
  .modal-footer{padding:13px 18px;border-top:1px solid var(--border);display:flex;gap:10px;justify-content:flex-end;flex-shrink:0;}

  /* ── CAT GRID ── */
  .cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(108px,1fr));gap:6px;}
  .cat-btn{padding:7px 8px;border-radius:6px;border:1px solid var(--border);background:var(--surface2);color:var(--muted);font-size:11px;font-weight:500;cursor:pointer;text-align:center;transition:background .12s,color .12s,border-color .12s;font-family:inherit;}
  .cat-btn:hover{border-color:var(--accent);color:var(--text);}
  .cat-btn.active{background:rgba(79,142,247,.18);border-color:var(--accent);color:var(--accent);}

  /* ── TABS ── */
  .tabs{display:flex;gap:2px;border-bottom:1px solid var(--border);padding:0 16px;}
  .tab{padding:10px 12px;font-size:12px;color:var(--muted);cursor:pointer;border-bottom:2px solid transparent;transition:color .15s,border-color .15s;font-weight:500;}
  .tab.active{color:var(--accent);border-bottom-color:var(--accent);}
  .tab-content{display:none;} .tab-content.active{display:block;}

  /* ── PERSON BARS ── */
  .legend-dot{width:9px;height:9px;border-radius:50%;display:inline-block;margin-right:5px;}
  .person-row{margin-bottom:14px;} .person-row:last-child{margin-bottom:0;}
  .person-row-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:5px;font-size:12px;}
  .person-name{display:flex;align-items:center;gap:6px;font-weight:600;}
  .bar-bg{background:var(--surface2);border-radius:4px;height:7px;overflow:hidden;margin-bottom:3px;}
  .bar-fill{height:100%;border-radius:4px;transition:width .4s ease;}
  .person-stats{display:flex;gap:12px;font-size:11px;}
  .person-stats .in{color:var(--green);} .person-stats .out{color:var(--red);}

  /* ── INTEREST ── */
  .interest-breakdown{display:flex;flex-direction:column;}
  .interest-group-label{font-size:9px;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;padding:12px 0 4px;border-bottom:1px solid var(--border);font-weight:700;}
  .interest-row{display:flex;justify-content:space-between;font-size:12px;padding:8px 0;border-bottom:1px solid var(--border);}
  .interest-row:last-child{border-bottom:none;}
  .interest-row .ilabel{color:var(--muted);}

  /* ── PIE ── */
  .pie-charts-row{display:flex;gap:20px;justify-content:center;flex-wrap:wrap;width:100%;}
  .pie-chart-block{display:flex;flex-direction:column;align-items:center;gap:10px;flex:1;min-width:190px;}
  .pie-title{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.07em;}
  .pie-inner{display:flex;align-items:center;gap:14px;flex-wrap:wrap;justify-content:center;}
  .pie-legend{display:flex;flex-direction:column;gap:6px;}
  .pie-legend-item{display:flex;align-items:center;gap:7px;font-size:11px;}
  .pie-legend-dot{width:9px;height:9px;border-radius:50%;flex-shrink:0;}
  .pie-legend-label{color:var(--muted);flex:1;}
  .pie-legend-val{color:var(--text);font-weight:600;}

  /* ── TX LOG ── */
  .log-toolbar{padding:12px 16px;display:flex;justify-content:space-between;align-items:center;gap:10px;border-bottom:1px solid var(--border);}
  .owner-group-header{display:flex;align-items:center;gap:8px;padding:9px 16px 7px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;border-bottom:1px solid var(--border);background:var(--surface);}
  .tx-table{width:100%;border-collapse:collapse;font-size:12px;}
  .tx-table th{text-align:left;padding:7px 16px;color:var(--muted);font-size:10px;text-transform:uppercase;letter-spacing:.07em;border-bottom:1px solid var(--border);}
  .tx-table td{padding:10px 16px;border-bottom:1px solid var(--border);vertical-align:middle;}
  .tx-table tr:last-child td{border-bottom:none;}
  .tx-table tbody tr{cursor:pointer;transition:background .12s;}
  .tx-table tbody tr:hover td{background:var(--surface2);}
  .person-pill{display:inline-block;padding:2px 8px;border-radius:20px;font-size:10px;font-weight:600;}
  .pill-hannah{background:rgba(192,132,252,.15);color:var(--hannah);}
  .pill-rick{background:rgba(79,142,247,.15);color:var(--rick);}
  .pill-shared{background:rgba(62,207,142,.15);color:var(--shared);}
  .cat-tag{display:inline-block;background:var(--surface2);border:1px solid var(--border);border-radius:4px;padding:2px 6px;font-size:10px;color:var(--muted);}
  .amount-in{color:var(--green);font-weight:600;} .amount-out{color:var(--red);font-weight:600;}

  /* ── DETAIL ── */
  .detail-field{padding:10px 0;border-bottom:1px solid var(--border);display:flex;justify-content:space-between;align-items:center;font-size:13px;}
  .detail-field:last-child{border-bottom:none;}
  .detail-label{color:var(--muted);font-size:11px;}

  /* ── PREFIX INPUT (currency) ── */
  .prefix-wrap { position:relative; display:flex; align-items:center; }
  .prefix-wrap .prefix-symbol { position:absolute; left:10px; color:var(--muted); font-size:13px; pointer-events:none; z-index:1; }
  .prefix-wrap input { padding-left:22px; }

  /* ── CONFIG ── */
  .config-row{display:flex;gap:10px;flex-wrap:wrap;align-items:flex-end;}
  .config-row .field{flex:1;min-width:120px;}

  /* ── MISC ── */
  .empty-state{text-align:center;padding:28px;color:var(--muted);font-size:13px;}
  .sync-dot{width:7px;height:7px;border-radius:50%;background:var(--green);display:inline-block;}
  .sync-dot.syncing{background:var(--yellow);animation:pulse .8s infinite;}
  .sync-dot.error{background:var(--red);}
  @keyframes pulse{0%,100%{opacity:1;}50%{opacity:.3;}}
  .spinner{display:inline-block;width:14px;height:14px;border:2px solid rgba(255,255,255,.3);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite;}
  @keyframes spin{to{transform:rotate(360deg);}}
  .otp-input{letter-spacing:.3em;font-size:20px;text-align:center;font-weight:700;}
  .mfa-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(62,207,142,.12);border:1px solid rgba(62,207,142,.3);border-radius:20px;padding:3px 10px;font-size:11px;color:var(--green);}