:root {
            --bg:        #f4f5f7;
            --surface:   #ffffff;
            --surface2:  #f9fafb;
            --border:    #e4e6ea;
            --border2:   #d1d5db;
            --text:      #111827;
            --text2:     #4b5563;
            --text3:     #9ca3af;
            --accent:    #0d7377;
            --accent-lt: #e6f4f4;
            --accent-dk: #095f62;
            --green:     #059669;
            --green-lt:  #d1fae5;
            --amber:     #d97706;
            --amber-lt:  #fef3c7;
            --red:       #dc2626;
            --red-lt:    #fee2e2;
            --cat-util:  #f59e0b;
            --cat-sub:   #7c3aed;
            --cat-ins:   #0891b2;
            --cat-hse:   #db2777;
            --cat-trn:   #059669;
            --cat-oth:   #6b7280;
            --shadow-sm: 0 1px 2px rgba(0,0,0,0.06);
            --shadow:    0 1px 3px rgba(0,0,0,0.08), 0 4px 12px rgba(0,0,0,0.04);
            --shadow-lg: 0 8px 24px rgba(0,0,0,0.1);
            --r:         8px;
            --r-lg:      12px;
        }
        html[data-theme="dark"] {
            --bg:        #0f1117;
            --surface:   #1a1d27;
            --surface2:  #141720;
            --border:    #2a2d3a;
            --border2:   #363a4a;
            --text:      #f1f5f9;
            --text2:     #94a3b8;
            --text3:     #475569;
            --accent:    #14b8b8;
            --accent-lt: rgba(20,184,184,0.12);
            --accent-dk: #0d9090;
            --green:     #10b981;
            --green-lt:  rgba(16,185,129,0.12);
            --amber:     #f59e0b;
            --amber-lt:  rgba(245,158,11,0.12);
            --red:       #f87171;
            --red-lt:    rgba(248,113,113,0.12);
        }
        *{margin:0;padding:0;box-sizing:border-box;}
        body{font-family:'DM Sans',-apple-system,BlinkMacSystemFont,sans-serif;background:var(--bg);color:var(--text);min-height:100vh;transition:background .25s,color .25s;}

        /* ── LAYOUT ── */
        .app{display:flex;flex-direction:column;min-height:100vh;}
        .topbar{background:var(--surface);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:200;}
        .topbar-inner{max-width:100%;margin:0;padding:0 32px;height:60px;display:flex;align-items:center;justify-content:space-between;gap:16px;}
        .brand{display:flex;align-items:center;gap:10px;}
        .brand-mark{width:32px;height:32px;background:var(--accent);border-radius:7px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
        .brand-mark svg{width:18px;height:18px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
        .brand-name{font-size:17px;font-weight:700;letter-spacing:-0.3px;color:var(--text);}
        .brand-sub{font-size:11px;color:var(--text3);font-weight:400;margin-top:-2px;}
        .topbar-actions{display:flex;align-items:center;gap:8px;}
        .icon-btn{width:36px;height:36px;border-radius:var(--r);border:1px solid var(--border);background:transparent;color:var(--text2);cursor:pointer;display:flex;align-items:center;justify-content:center;transition:all .15s;position:relative;}
        .icon-btn:hover{background:var(--bg);border-color:var(--border2);color:var(--text);}
        .icon-btn svg{width:16px;height:16px;stroke:currentColor;stroke-width:2;fill:none;stroke-linecap:round;stroke-linejoin:round;}
        .notif-dot{position:absolute;top:6px;right:6px;width:7px;height:7px;background:var(--red);border-radius:50%;border:2px solid var(--surface);display:none;}

        .wrap{max-width:100%;margin:0;padding:24px 32px;flex:1;}

        /* ── STAT CARDS ── */
        .stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:28px;}
        .stat-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:18px 20px;box-shadow:var(--shadow-sm);}
        .stat-label{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.6px;color:var(--text3);margin-bottom:6px;}
        .stat-value{font-size:26px;font-weight:700;letter-spacing:-0.5px;color:var(--text);line-height:1;}
        .stat-sub{font-size:12px;color:var(--text3);margin-top:5px;}
        .stat-accent{border-top:3px solid var(--accent);}
        .stat-green{border-top:3px solid var(--green);}
        .stat-amber{border-top:3px solid var(--amber);}
        .budget-track{margin-top:10px;background:var(--border);border-radius:3px;height:4px;overflow:hidden;}
        .budget-fill{height:100%;border-radius:3px;background:var(--green);transition:width .5s ease;}
        .budget-fill.warn{background:var(--amber);}
        .budget-fill.over{background:var(--red);}

        /* ── NAV ── */
        .nav-strip{display:flex;gap:2px;border-bottom:1px solid var(--border);margin-bottom:24px;}
        .nav-btn{padding:10px 16px;border:none;background:none;font-size:13px;font-weight:500;color:var(--text2);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px;transition:all .15s;white-space:nowrap;font-family:inherit;}
        .nav-btn:hover{color:var(--text);}
        .nav-btn.active{color:var(--accent);border-bottom-color:var(--accent);font-weight:600;}

        /* ── VIEWS ── */
        .view{display:none;animation:fadeUp .2s ease;}
        .view.active{display:block;}
        @keyframes fadeUp{from{opacity:0;transform:translateY(6px);}to{opacity:1;transform:translateY(0);}}

        /* ── PANELS ── */
        .panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--shadow-sm);margin-bottom:20px;}
        .panel-head{padding:16px 20px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:12px;}
        .panel-head h2{font-size:14px;font-weight:600;color:var(--text);margin:0;}
        .panel-body{padding:20px;}

        /* ── FORM ── */
        .form-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px;}
        .field{display:flex;flex-direction:column;gap:4px;}
        .field label{font-size:11px;font-weight:600;color:var(--text2);text-transform:uppercase;letter-spacing:.5px;}
        input,select,textarea{border:1px solid var(--border);border-radius:var(--r);padding:9px 12px;font-size:13px;background:var(--surface2);color:var(--text);transition:all .15s;font-family:inherit;width:100%;}
        input:focus,select:focus,textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(13,115,119,.1);background:var(--surface);}
        input::placeholder{color:var(--text3);}
        select option{background:var(--surface);color:var(--text);}
        .checkbox-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:4px;}
        .check-item{display:flex;align-items:center;gap:6px;padding:7px 12px;border:1px solid var(--border);border-radius:var(--r);background:var(--surface2);cursor:pointer;font-size:12px;font-weight:500;transition:all .15s;}
        .check-item:hover{border-color:var(--accent);background:var(--accent-lt);}
        .check-item input[type=checkbox]{width:13px;height:13px;accent-color:var(--accent);cursor:pointer;}
        .form-footer{display:flex;align-items:center;gap:8px;flex-wrap:wrap;padding-top:4px;}

        /* ── BUTTONS ── */
        .btn{display:inline-flex;align-items:center;gap:6px;padding:8px 16px;border-radius:var(--r);border:none;font-size:13px;font-weight:600;cursor:pointer;transition:all .15s;font-family:inherit;}
        .btn-primary{background:var(--accent);color:#fff;}
        .btn-primary:hover{background:var(--accent-dk);}
        .btn-ghost{background:transparent;color:var(--text2);border:1px solid var(--border);}
        .btn-ghost:hover{background:var(--bg);border-color:var(--border2);color:var(--text);}
        .btn-danger{background:var(--red-lt);color:var(--red);border:1px solid rgba(220,38,38,.2);}
        .btn-danger:hover{background:rgba(220,38,38,.18);}
        .btn-success{background:var(--green-lt);color:var(--green);border:1px solid rgba(5,150,105,.2);}
        .btn-success:hover{background:rgba(5,150,105,.18);}
        .btn-sm{padding:5px 10px;font-size:12px;}

        /* ── TEMPLATE CHIPS ── */
        .tpl-row{display:flex;flex-wrap:wrap;gap:6px;padding:12px 20px;border-bottom:1px solid var(--border);}
        .tpl-chip{display:inline-flex;align-items:center;gap:5px;padding:4px 10px;border:1px dashed var(--border2);border-radius:20px;font-size:12px;color:var(--text2);cursor:pointer;background:var(--surface2);transition:all .15s;white-space:nowrap;}
        .tpl-chip:hover{border-color:var(--accent);color:var(--accent);background:var(--accent-lt);}

        /* ── SEARCH BAR ── */
        .toolbar{display:flex;gap:8px;align-items:center;margin-bottom:16px;flex-wrap:wrap;}
        .search-wrap{position:relative;flex:1;min-width:200px;}
        .search-wrap input{padding-left:34px;}
        .search-icon{position:absolute;left:10px;top:50%;transform:translateY(-50%);width:15px;height:15px;stroke:var(--text3);stroke-width:2;fill:none;}
        .search-clear{position:absolute;right:9px;top:50%;transform:translateY(-50%);background:none;border:none;cursor:pointer;color:var(--text3);font-size:14px;display:none;padding:2px;transition:color .15s;}
        .search-clear:hover{color:var(--text);}
        .kbd{font-size:10px;font-family:'DM Mono',monospace;background:var(--border);color:var(--text3);padding:2px 5px;border-radius:4px;position:absolute;right:9px;top:50%;transform:translateY(-50%);}

        /* ── FILTER PILLS ── */
        .filter-bar{display:flex;gap:6px;margin-bottom:16px;overflow-x:auto;padding-bottom:2px;flex-wrap:nowrap;}
        .filter-pill{padding:5px 12px;border:1px solid var(--border);border-radius:20px;font-size:12px;font-weight:500;color:var(--text2);cursor:pointer;background:var(--surface);white-space:nowrap;transition:all .15s;}
        .filter-pill:hover{border-color:var(--border2);color:var(--text);}
        .filter-pill.active{background:var(--accent);color:#fff;border-color:var(--accent);}

        /* ── BILLS LIST ── */
        .bills-list{display:flex;flex-direction:column;gap:2px;}
        .bill-row{display:grid;grid-template-columns:24px 36px 1fr auto auto;gap:12px;align-items:center;padding:13px 16px;border-radius:var(--r);transition:background .12s;cursor:default;}
        .bill-row:hover{background:var(--surface2);}
        .bill-row.is-paid{opacity:.55;}
        .bill-row.is-paid .bill-name{text-decoration:line-through;color:var(--text2);}
        .drag-handle{cursor:grab;color:var(--text3);display:flex;align-items:center;justify-content:center;}
        .drag-handle:active{cursor:grabbing;}
        .drag-handle svg{width:14px;height:14px;fill:currentColor;}
        .bill-row.drag-over{outline:2px dashed var(--accent);background:var(--accent-lt);}
        .bill-row.dragging{opacity:.3;}

        .paid-check{width:22px;height:22px;border-radius:50%;border:2px solid var(--border2);background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:all .15s;}
        .paid-check:hover{border-color:var(--green);background:var(--green-lt);}
        .paid-check.checked{background:var(--green);border-color:var(--green);}
        .paid-check svg{width:10px;height:10px;stroke:#fff;stroke-width:3;fill:none;stroke-linecap:round;stroke-linejoin:round;display:none;}
        .paid-check.checked svg{display:block;}

        .bill-info{display:flex;flex-direction:column;gap:3px;min-width:0;}
        .bill-name-row{display:flex;align-items:center;gap:8px;flex-wrap:wrap;}
        .bill-name{font-size:14px;font-weight:600;color:var(--text);}
        .bill-meta-row{display:flex;align-items:center;gap:6px;flex-wrap:wrap;}
        .pill{display:inline-flex;align-items:center;padding:2px 8px;border-radius:20px;font-size:11px;font-weight:500;}
        .pill-cat{color:var(--accent);background:var(--accent-lt);}
        .pill-freq{color:var(--text2);background:var(--border);}
        .pill-est{color:var(--amber);background:var(--amber-lt);}
        .pill-var{color:var(--green);background:var(--green-lt);}
        .pill-paid{color:var(--green);background:var(--green-lt);}
        .pill-overdue{color:var(--red);background:var(--red-lt);}
        .pill-due{color:var(--amber);background:var(--amber-lt);}
        .pill-auto{color:var(--accent);background:var(--accent-lt);}
        .pill-tag{color:var(--text2);background:var(--surface2);border:1px solid var(--border);}
        .bill-note{font-size:11px;color:var(--text3);font-style:italic;}
        .cat-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;}

        .bill-amount{font-family:'DM Mono',monospace;font-size:14px;font-weight:500;color:var(--text);text-align:right;white-space:nowrap;}
        .bill-amount.paid{color:var(--green);}
        .bill-date{font-size:11px;color:var(--text3);text-align:right;white-space:nowrap;}

        .bill-actions-col{display:flex;gap:4px;align-items:center;flex-shrink:0;}

        /* ── DIVIDERS ── */
        .list-section-label{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--text3);padding:12px 16px 6px;}
        .bills-divider{border:none;border-top:1px solid var(--border);margin:4px 0;}

        /* ── EMPTY STATE ── */
        .empty{text-align:center;padding:60px 20px;color:var(--text3);}
        .empty svg{width:48px;height:48px;stroke:var(--border2);fill:none;stroke-width:1.5;margin-bottom:14px;}
        .empty h3{font-size:16px;font-weight:600;color:var(--text2);margin-bottom:6px;}
        .empty p{font-size:13px;}

        /* ── TAGS ── */
        .tags-field{border:1px solid var(--border);border-radius:var(--r);padding:6px 10px;background:var(--surface2);min-height:38px;display:flex;flex-wrap:wrap;gap:5px;align-items:center;cursor:text;transition:all .15s;}
        .tags-field:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px rgba(13,115,119,.1);background:var(--surface);}
        .tag-chip{display:inline-flex;align-items:center;gap:4px;padding:2px 8px;background:var(--accent-lt);color:var(--accent);border-radius:20px;font-size:11px;font-weight:500;}
        .tag-chip .rm-tag{cursor:pointer;opacity:.6;font-size:10px;}
        .tag-chip .rm-tag:hover{opacity:1;}
        .tag-input-inline{border:none;background:transparent;outline:none;font-size:13px;color:var(--text);min-width:80px;flex:1;padding:2px 0;font-family:inherit;}

        /* ── INSIGHTS ── */
        .insights-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
        .ins-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:24px;box-shadow:var(--shadow-sm);}
        .ins-card h3{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:var(--text3);margin-bottom:20px;}
        .donut-wrap{display:flex;gap:28px;align-items:center;flex-wrap:wrap;}
        .legend{display:flex;flex-direction:column;gap:10px;flex:1;}
        .legend-row{display:flex;align-items:center;gap:10px;font-size:13px;}
        .legend-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0;}
        .legend-name{flex:1;font-weight:500;}
        .legend-val{font-family:'DM Mono',monospace;font-size:12px;color:var(--text2);}
        .legend-pct{font-size:11px;color:var(--text3);min-width:30px;text-align:right;}
        .bar-chart{display:flex;flex-direction:column;gap:12px;}
        .bar-row{display:flex;align-items:center;gap:10px;}
        .bar-label{font-size:12px;color:var(--text2);min-width:90px;text-align:right;font-weight:500;}
        .bar-track{flex:1;background:var(--bg);border-radius:3px;height:18px;overflow:hidden;}
        .bar-fill{height:100%;border-radius:3px;display:flex;align-items:center;padding-left:8px;transition:width .5s ease;}
        .bar-fill span{font-size:10px;font-weight:700;color:#fff;white-space:nowrap;}
        .bar-val{font-family:'DM Mono',monospace;font-size:12px;font-weight:500;color:var(--text2);min-width:65px;}
        .proj-table{width:100%;}
        .proj-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--border);}
        .proj-row:last-child{border-bottom:none;}
        .proj-label{font-size:13px;color:var(--text2);}
        .proj-val{font-family:'DM Mono',monospace;font-size:14px;font-weight:600;}

        /* ── PLANNER ── */
        .planner-controls{display:flex;gap:10px;flex-wrap:wrap;align-items:flex-end;}
        .planner-field{display:flex;flex-direction:column;gap:4px;}
        .planner-field label{font-size:11px;font-weight:600;color:var(--text2);text-transform:uppercase;letter-spacing:.5px;}
        .paycheck-list{display:flex;flex-direction:column;gap:10px;margin-top:20px;}
        .paycheck-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-sm);}
        .paycheck-card.tight{border-color:rgba(220,38,38,.3);}
        .paycheck-head{display:flex;justify-content:space-between;align-items:center;padding:14px 18px;background:var(--surface2);border-bottom:1px solid var(--border);}
        .paycheck-period{font-size:13px;font-weight:600;}
        .paycheck-net{font-family:'DM Mono',monospace;font-size:14px;font-weight:600;}
        .paycheck-bills{padding:12px 18px;display:flex;flex-direction:column;gap:6px;}
        .pc-bill-row{display:flex;justify-content:space-between;font-size:12px;padding:4px 0;border-bottom:1px dashed var(--border);}
        .pc-bill-row:last-child{border-bottom:none;}
        .paycheck-foot{display:flex;justify-content:space-between;padding:12px 18px;border-top:2px solid var(--border);font-size:13px;font-weight:600;}
        .tight-warn{padding:6px 18px;font-size:11px;color:var(--red);background:var(--red-lt);}

        /* ── CALENDAR ── */
        .cal-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;}
        .cal-head h2{font-size:18px;font-weight:700;letter-spacing:-.3px;}
        .cal-controls{display:flex;gap:8px;}
        .cal-grid-wrap{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-sm);}
        .cal-weekdays{display:grid;grid-template-columns:repeat(7,1fr);background:var(--surface2);border-bottom:1px solid var(--border);}
        .cal-wd{text-align:center;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--text3);padding:10px 0;}
        .cal-days{display:grid;grid-template-columns:repeat(7,1fr);}
        .cal-day{border-right:1px solid var(--border);border-bottom:1px solid var(--border);padding:6px 8px;min-height:90px;background:var(--surface);display:flex;flex-direction:column;font-size:11px;transition:background .12s;}
        .cal-day:nth-child(7n){border-right:none;}
        .cal-day.other{background:var(--surface2);opacity:.5;}
        .cal-day.today{background:var(--accent-lt);}
        .cal-day.today .day-num{color:var(--accent);font-weight:700;}
        .day-num{font-size:12px;font-weight:600;color:var(--text2);margin-bottom:4px;}
        .day-items{display:flex;flex-direction:column;gap:2px;}
        .day-item{padding:2px 5px;border-radius:3px;font-size:9px;font-weight:600;color:#fff;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
        .day-item.utilities{background:var(--cat-util);}
        .day-item.subscriptions{background:var(--cat-sub);}
        .day-item.insurance{background:var(--cat-ins);}
        .day-item.housing{background:var(--cat-hse);}
        .day-item.transport{background:var(--cat-trn);}
        .day-item.other{background:var(--cat-oth);}
        .day-item.paid-cal{opacity:.5;text-decoration:line-through;}

        /* ── MODAL ── */
        .overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.45);z-index:500;align-items:center;justify-content:center;}
        .overlay.open{display:flex;}
        @keyframes slideUp{from{opacity:0;transform:translateY(12px);}to{opacity:1;transform:translateY(0);}}
        .modal{background:var(--surface);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);width:90%;max-width:540px;max-height:90vh;overflow-y:auto;animation:slideUp .25s ease;}
        .modal-sm{max-width:420px;}
        .modal-head{padding:18px 20px;border-bottom:1px solid var(--border);display:flex;justify-content:space-between;align-items:center;position:sticky;top:0;background:var(--surface);z-index:1;}
        .modal-head h2{font-size:16px;font-weight:700;margin:0;}
        .modal-close{width:30px;height:30px;border:none;background:var(--bg);border-radius:6px;cursor:pointer;color:var(--text2);font-size:16px;display:flex;align-items:center;justify-content:center;transition:all .15s;}
        .modal-close:hover{color:var(--text);}
        .modal-body{padding:20px;}
        .modal-note{font-size:13px;color:var(--text2);line-height:1.45;margin-bottom:16px;}
        .backup-warning{font-size:12px;line-height:1.45;color:var(--amber);background:var(--amber-lt);border:1px solid rgba(217,119,6,.18);border-radius:var(--r);padding:10px 12px;}

        /* ── SCOPE MODAL ── */
        .scope-options{display:flex;flex-direction:column;gap:8px;margin-bottom:20px;}
        .scope-opt{display:flex;align-items:center;gap:12px;padding:12px 14px;border:2px solid var(--border);border-radius:var(--r);cursor:pointer;transition:all .15s;background:var(--surface2);}
        .scope-opt:hover{border-color:var(--accent);}
        .scope-opt.selected{border-color:var(--accent);background:var(--accent-lt);}
        .scope-opt-icon{font-size:18px;flex-shrink:0;}
        .scope-opt-title{font-size:13px;font-weight:600;}
        .scope-opt-desc{font-size:11px;color:var(--text2);}

        /* ── SETTINGS ── */
        .settings-section{margin-bottom:22px;}
        .settings-section h3{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--text3);margin-bottom:10px;}
        .settings-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--border);}
        .settings-row:last-child{border-bottom:none;}
        .toggle{width:40px;height:22px;background:var(--border);border-radius:11px;border:none;cursor:pointer;position:relative;transition:background .2s;flex-shrink:0;}
        .toggle::after{content:'';position:absolute;width:18px;height:18px;background:#fff;border-radius:9px;top:2px;left:2px;transition:left .2s;box-shadow:0 1px 3px rgba(0,0,0,.2);}
        .toggle.on{background:var(--accent);}
        .toggle.on::after{left:20px;}

        /* ── HISTORY ── */
        .history-list{display:flex;flex-direction:column;gap:6px;max-height:400px;overflow-y:auto;}
        .history-row{display:flex;align-items:center;gap:12px;padding:10px 12px;background:var(--surface2);border-radius:var(--r);font-size:13px;}
        .history-icon{font-size:18px;flex-shrink:0;}
        .history-name{flex:1;font-weight:600;}
        .history-amt{font-family:'DM Mono',monospace;font-weight:600;color:var(--green);}
        .history-date{font-size:11px;color:var(--text3);}

        /* ── TOAST ── */
        .toast-wrap{position:fixed;top:18px;right:18px;z-index:1000;display:flex;flex-direction:column;gap:6px;pointer-events:none;}
        .toast{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:11px 14px;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:9px;font-size:13px;animation:slideUp .25s ease;max-width:300px;pointer-events:all;}
        .toast.success{border-left:3px solid var(--green);}
        .toast.info{border-left:3px solid var(--accent);}
        .toast.warning{border-left:3px solid var(--amber);}
        .toast-msg{flex:1;font-weight:500;}
        .toast-x{background:none;border:none;cursor:pointer;color:var(--text3);font-size:14px;}

        /* ── CAT COLORS ── */
        .cat-util{background:var(--cat-util);}
        .cat-sub{background:var(--cat-sub);}
        .cat-ins{background:var(--cat-ins);}
        .cat-hse{background:var(--cat-hse);}
        .cat-trn{background:var(--cat-trn);}
        .cat-oth{background:var(--cat-oth);}

        /* ── RESPONSIVE ── */
        @media(max-width:1100px){
            .stats-row{grid-template-columns:1fr 1fr;}
            .insights-grid{grid-template-columns:1fr;}
        }
        @media(max-width:700px){
            .wrap{padding:16px;}
            .topbar-inner{padding:0 16px;}
            .stats-row{grid-template-columns:1fr 1fr;gap:8px;}
            .bill-row{grid-template-columns:24px 30px 1fr auto;}
            .bill-actions-col{display:none;}
            .bill-row:hover .bill-actions-col{display:flex;}
            .form-grid{grid-template-columns:1fr;}
            .planner-controls{flex-direction:column;}
        }