:root{--navy: #061633;--sky: #7eb8d4;--teal: #2e8b8b;--mint: #e8f4fa;--slate: #6b7a90;--white: #ffffff;--navy-mid: #ffffff;--navy-light: #f3f8fb;--teal-dark: #246f6f;--slate-light: #8a9ab0;--bg-page: var(--mint);--bg-surface: var(--white);--bg-subtle: #f3f8fb;--bg-muted: #eef5f9;--text: var(--navy);--text-secondary: var(--slate);--text-muted: var(--slate-light);--text-on-accent: var(--white);--border: rgba(6, 22, 51, .1);--border-strong: rgba(6, 22, 51, .16);--border-focus: var(--teal);--shadow-sm: 0 1px 2px rgba(6, 22, 51, .06);--shadow-md: 0 8px 24px rgba(6, 22, 51, .08);--danger: #e05c5c;--success: #4caf7d;--btn-primary: var(--sky);--btn-primary-hover: #6aabc9;--btn-primary-active: #5a9bbb;--btn-primary-text: var(--mint);--btn-secondary-bg: transparent;--btn-secondary-bg-hover: rgba(126, 184, 212, .12);--btn-secondary-bg-active: rgba(126, 184, 212, .18);--btn-secondary-border: var(--sky);--btn-secondary-text: var(--sky);--btn-radius: 10px;--btn-pad-y: 10px;--btn-pad-x: 22px;--font-display: "Cormorant Garamond", "The Seasons", Georgia, serif;--font-body: "DM Sans", "Acumin Variable Concept", system-ui, sans-serif;--font-mono: "DM Mono", "Courier New", monospace;--radius-sm: 4px;--radius-md: 8px;--radius-lg: 14px;--radius-xl: 20px}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{font-size:15px}body{background:var(--bg-page);color:var(--text);font-family:var(--font-body);min-height:100vh;line-height:1.55;-webkit-font-smoothing:antialiased}.app-wrapper{max-width:1280px;margin:0 auto;padding:0 24px 48px}.app-header{display:flex;align-items:center;justify-content:space-between;padding:28px 0 22px;border-bottom:1px solid var(--border);margin-bottom:0}.header-left,.brand-logo{display:flex;align-items:center;gap:14px}.logo-icon{width:44px;height:44px;flex-shrink:0;display:block;object-fit:contain}.logo-text{display:flex;flex-direction:column;line-height:1.1}.logo-name{display:block;height:36px;width:auto;object-fit:contain}.logo-sub{font-size:.7rem;letter-spacing:.18em;color:var(--sky);text-transform:uppercase;font-weight:400;margin-top:2px}.header-right{display:flex;align-items:center;gap:20px}.header-meta-block{display:flex;gap:20px;justify-content:center;min-height:38px;min-width:0}.header-date-row{align-items:center;display:flex;justify-content:flex-end}.header-user-row{align-items:flex-end;display:flex;gap:4px;flex-direction:column}.header-divider{background:#7eb8d426;flex-shrink:0;height:38px;width:1px}.header-client-block{display:flex;flex-direction:column;gap:4px;justify-content:center;min-height:38px;min-width:0}.header-client-label,.header-date{color:var(--slate);font-size:.58rem;font-weight:500;letter-spacing:.14em;text-transform:uppercase}.plan-toolbar-title{align-items:center;display:flex;flex-wrap:wrap;gap:8px;margin-bottom:4px}.plan-toolbar-actions{display:flex;flex-wrap:wrap;align-items:flex-start;justify-content:flex-end;gap:12px;margin-left:auto}.plan-save-actions{display:flex;flex-direction:column;align-items:flex-end;gap:8px}.plan-save-status{font-size:.78rem;margin:0;max-width:280px;text-align:right}.plan-save-status--error{color:var(--danger)}.plan-save-status--success{color:var(--teal)}.card-title-banner{flex:1 1 220px;display:flex;flex-direction:row;align-items:center;justify-content:space-between}.adviser-badge{background:#2e8b8b2e;border:1px solid rgba(46,139,139,.5);color:var(--teal);font-size:.65rem;letter-spacing:.2em;font-weight:500;padding:4px 10px;border-radius:20px;text-transform:uppercase}.client-selector{align-items:center;display:flex;gap:8px;min-height:20px;min-width:0}.client-selector-control{align-items:center;display:flex;gap:8px;min-width:0;position:relative}.client-selector-trigger{align-items:center;background:none;border:none;color:inherit;cursor:pointer;display:flex;font-family:var(--font-body);gap:6px;min-width:0;padding:0}.client-selector-name{color:var(--text);font-size:.82rem;font-weight:500;white-space:nowrap}.client-selector-chevron{color:var(--slate);flex-shrink:0;transition:transform .18s ease}.client-selector-chevron--open{transform:rotate(180deg)}.client-selector-dropdown{background:var(--bg-surface);border:1px solid rgba(126,184,212,.18);border-radius:12px;box-shadow:0 8px 24px #0000002e;left:0;min-width:160px;overflow:hidden;position:absolute;top:calc(100% + 8px);z-index:200}.client-selector-option{color:var(--text);cursor:pointer;font-size:.82rem;font-weight:500;padding:9px 14px;transition:background .12s ease;white-space:nowrap}.client-selector-option:hover{background:#7eb8d414}.client-selector-option--active{background:#7eb8d41f;color:var(--sky)}.client-dot{width:8px;height:8px;border-radius:50%;background:var(--teal);flex-shrink:0}.sign-out-btn{background:var(--btn-primary);border:1px solid transparent;border-radius:var(--btn-radius);color:var(--btn-primary-text);cursor:pointer;font-size:.95rem;letter-spacing:.03em;padding:8px 18px;transition:background .18s ease,box-shadow .18s ease,transform .15s ease}.sign-out-btn:hover{background:var(--btn-primary-hover);box-shadow:0 4px 14px #7eb8d459}.sign-out-btn:active{background:var(--btn-primary-active);transform:translateY(1px)}.sign-out-btn:focus-visible{outline:2px solid var(--sky);outline-offset:2px}.login-page{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:24px}.login-shell{width:100%;max-width:420px}.login-logo{justify-content:center;margin-bottom:28px}.login-card{background:var(--bg-surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px 28px;box-shadow:var(--shadow-md)}.login-submit{width:100%;margin-top:8px}.login-submit:disabled{cursor:not-allowed;opacity:.7}.login-error{margin-bottom:14px;padding:10px 12px;background:#e05c5c14;border:1px solid rgba(224,92,92,.25);border-radius:var(--radius-md);color:var(--danger);font-size:.78rem}.login-demo-hint{margin-top:22px;padding:12px 14px;background:#7eb8d40f;border:1px solid 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.2s ease;width:32px}.password-toggle-btn:hover{color:var(--sky)}.password-toggle-btn:focus-visible{border-radius:var(--radius-sm);color:var(--sky);outline:2px solid rgba(126,184,212,.45);outline-offset:2px}.toast-viewport{position:fixed;top:20px;right:20px;z-index:10001;display:flex;flex-direction:column;gap:10px;width:min(360px,calc(100vw - 32px));pointer-events:none}.toast{align-items:center;animation:toast-in .28s ease;background:var(--bg-surface);border:1px solid var(--border);border-radius:var(--radius-md);box-shadow:var(--shadow-md);display:flex;gap:10px;padding:12px 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.estate-summary__row--net{border-top:2px solid var(--iht-border-strong);font-weight:700;color:var(--iht-text);background:var(--iht-surface-subtle)}.iht-planner-shell .estate-summary__row--net .estate-summary__value{font-size:1rem;font-weight:700}.iht-planner-shell .estate-summary__row--net.is-negative,.iht-planner-shell .estate-summary__row--net.is-negative .estate-summary__value{color:var(--danger);background:var(--iht-danger-bg)}.iht-planner-shell .help-tip{position:relative;display:inline-flex;vertical-align:middle}.iht-planner-shell .help-tip__trigger{width:18px;height:18px;border-radius:50%;border:1px solid var(--iht-border-strong);background:var(--iht-surface);color:var(--iht-text-secondary);font-size:.68rem;font-weight:700;line-height:1;cursor:pointer;padding:0;display:inline-flex;align-items:center;justify-content:center}.iht-planner-shell .help-tip__trigger:focus-visible{outline:2px solid var(--iht-focus);outline-offset:2px}.iht-planner-shell .help-tip__panel{position:absolute;z-index:20;left:0;top:calc(100% + 6px);width:min(280px,70vw);padding:10px 12px;background:var(--iht-surface);color:var(--iht-text);border:1px solid var(--iht-border-strong);border-radius:var(--radius-md);box-shadow:0 8px 24px #0000001f;font-size:.72rem;font-weight:400;letter-spacing:normal;text-transform:none;line-height:1.45}.iht-planner-shell .forecast-table{color:var(--iht-text-secondary)}.iht-planner-shell .forecast-table th{color:var(--iht-text-muted)}.iht-planner-shell .results-incomplete{margin:0;font-size:.8rem;color:var(--iht-text-muted)}.iht-planner-shell .results-pension-note{margin:-8px 0 16px;font-size:.72rem;color:var(--iht-text-muted)}.iht-planner-shell .results-br-comparison__hint{margin:0 0 12px;font-size:.72rem;line-height:1.45;color:var(--iht-text-muted)}.iht-planner-shell .info-notice--results-warning{border-color:#e05c5c59;background:#e05c5c0f}.iht-planner-shell .results-warnings .info-notice+.info-notice{margin-top:8px}@media (max-width: 720px){.iht-planner-shell{padding:14px}.iht-planner-shell .planner-subsection{padding:12px}}