:root{--bg:#f6f7f9;--fg:#1c2330;--muted:#5d6678;--card:#fff;--line:#dfe3ea;--accent:#0b7a4b;
--c1:#e0d0f5;--c2:#c4e3ee;--c3:#bfe8d0;--c4:#f8c4b4;--c0:#eef0f4}
@media (prefers-color-scheme:dark){:root{--bg:#12161d;--fg:#e8ecf3;--muted:#9aa4b6;--card:#1b212b;--line:#2c3544;--accent:#4cc38a;
--c1:#4a3a78;--c2:#27566a;--c3:#1f5a3d;--c4:#6a3326;--c0:#252c38}}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--fg);font:16px/1.5 system-ui,-apple-system,Segoe UI,Roboto,sans-serif}
header,main{max-width:960px;margin:0 auto;padding:0 16px}
header{padding-top:32px}
h1{margin:0 0 4px;font-size:2rem}
h2{margin:0 0 12px;font-size:1.25rem}
h3{margin:16px 0 8px;font-size:1rem;color:var(--muted)}
.sub,.note{color:var(--muted)}
.small{font-size:.85rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px;margin:20px 0}
.fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
label{display:flex;flex-direction:column;gap:4px;font-size:.9rem;color:var(--muted)}
input,select,button{font:inherit;color:var(--fg);background:var(--bg);border:1px solid var(--line);border-radius:8px;padding:8px 10px}
input:focus,select:focus,button:focus-visible{outline:2px solid var(--accent);outline-offset:1px}
.money{position:relative;display:block}
.money::before{content:"$";position:absolute;left:10px;top:50%;transform:translateY(-50%);color:var(--muted)}
.money input{width:100%;padding-left:24px}
button{cursor:pointer}
.actions{margin:14px 0 0;display:flex;gap:12px;align-items:center}
#msg{color:#b3261e;font-size:.9rem}
.summary{margin:0 0 12px}
.scroll{overflow-x:auto}
table{border-collapse:separate;border-spacing:3px;width:100%;text-align:center}
th{font-weight:600;font-size:.85rem;color:var(--muted);padding:6px}
th.row{text-align:right;white-space:nowrap;color:var(--fg);position:sticky;left:0;background:var(--card)}
td{padding:8px 4px;border-radius:6px;font-variant-numeric:tabular-nums;font-weight:600}
td.c0{background:var(--c0);color:var(--muted)}td.c1{background:var(--c1)}td.c2{background:var(--c2)}td.c3{background:var(--c3)}td.c4{background:#14161b;color:#ff4d4d}
td.done{outline:2px solid var(--accent)}
.legend{font-size:.8rem;color:var(--muted);margin:12px 0 0}
.chip{display:inline-block;width:12px;height:12px;border-radius:3px;vertical-align:middle;margin-left:6px}
.chip.c1{background:var(--c1)}.chip.c2{background:var(--c2)}.chip.c3{background:var(--c3)}.chip.c4{background:#14161b;border:1px solid #ff4d4d}
.funds{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:10px}
.funds a{display:block;border:1px solid var(--line);border-radius:10px;padding:12px;text-decoration:none;color:inherit}
.funds a:hover{border-color:var(--accent)}
.funds b{display:block;font-size:1.1rem;color:var(--accent)}
.funds span{font-size:.85rem;color:var(--muted)}
.page{min-height:calc(100vh - 56px)}
.top{display:flex;justify-content:space-between;align-items:center;gap:12px}
#lang{font-weight:600}
footer{margin-top:32px;background:#ffee00;color:#000;text-align:center;padding:16px;font-weight:500}
footer a{color:#000;font-weight:700;text-decoration:underline}
.funds li{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.funds li:hover{border-color:var(--accent)}
.funds a.main{border:0;border-radius:0;flex:1}
.funds a.official{border:0;border-top:1px solid var(--line);border-radius:0;padding:6px 12px;font-size:.8rem;color:var(--accent)}
.legal{border-color:#d9a400}
.legal p{margin:0;font-size:.9rem}
html{-webkit-text-size-adjust:100%}
@media (max-width:600px){
  header{padding-top:20px}
  h1{font-size:1.6rem}
  .card{padding:14px;margin:14px 0;border-radius:10px}
  .fields{grid-template-columns:1fr}
  input,select,button{min-height:44px}
  .actions{flex-wrap:wrap}
  table{border-spacing:2px}
  th{padding:4px 2px;font-size:.75rem;white-space:nowrap}
  th.row{font-size:.75rem;padding-right:6px;box-shadow:2px 0 0 var(--card)}
  td{padding:8px 2px;font-size:.85rem}
  .funds{grid-template-columns:1fr}
  footer{padding:14px 16px}
}
details.card>summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:8px}
details.card>summary::-webkit-details-marker{display:none}
details.card>summary::before{content:"▸";color:var(--accent);font-size:1.8em;line-height:1;transition:transform .15s}
details.card[open]>summary::before{transform:rotate(90deg)}
details.card>summary h2{margin:0}
details.card[open]>summary{margin-bottom:12px}
[hidden]{display:none!important}
.intro{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:24px;align-items:start;margin-top:12px}
.intro form{display:flex;flex-direction:column;gap:14px}
.intro h3{margin-top:0}
label small{font-size:.78rem;color:#b3261e}
.preview td{padding:6px 2px;font-size:.8rem}
.preview th{font-size:.72rem}
.privacy{margin:0;padding:10px 12px;border:1px solid #d9a400;border-radius:8px;font-size:.85rem;background:color-mix(in srgb,#ffee00 14%,transparent)}
.primary{background:var(--accent);color:#fff;border-color:var(--accent);font-weight:700}
@media (prefers-color-scheme:dark){.primary{color:#0b1410}}
.adv{margin-top:14px}
.adv>summary{cursor:pointer;color:var(--accent);font-weight:600;margin-bottom:10px}
.adv[open]>summary{margin-bottom:12px}
@media (max-width:700px){.intro{grid-template-columns:1fr}.preview{order:2}}
/* Fond inspiré de learning-anxiety.com */
:root{--grad-top:#ffffff;--grad-bottom:#d4f1f9}
@media (prefers-color-scheme:dark){:root{--grad-top:#12161d;--grad-bottom:#183341}}
html{background:var(--grad-bottom)}
body{min-height:100vh;background:linear-gradient(to bottom,var(--grad-top) 0%,var(--grad-bottom) 100%)}
/* Mise en page : le footer reste en bas et visible sur l'écran d'intro */
body{display:flex;flex-direction:column}
.page{min-height:0;flex:1}
body.intro-mode .sub{display:none}
body.intro-mode header{padding-top:16px}
body.intro-mode .card{margin:12px 0}
body.intro-mode footer{margin-top:12px}
body.intro-mode .intro-lead,body.intro-mode #intro .note{margin:0 0 8px}
@media (min-width:701px){
  .intro form{display:grid;grid-template-columns:1fr 1fr;gap:12px 14px}
  .intro form .privacy,.intro form .primary{grid-column:1/-1}
}
body.intro-mode #intro>.note{display:none}
body.intro-mode #intro h2{margin-bottom:8px}
/* Intro : formulaire en une colonne, aperçu animé décoratif */
.intro{align-items:stretch;gap:12px 24px;margin-top:8px}
.intro .preview{display:flex;grid-column:1}
.intro .qs{display:flex;flex-direction:column;gap:10px;grid-column:2}
.intro .privacy,.intro .primary{grid-column:1/-1}
.pgrid{display:grid;gap:5px;width:100%;min-height:150px}
.pc{border-radius:7px;display:flex;align-items:center;justify-content:center;transition:background .5s ease}
.pc span{font-weight:800;font-size:1.05rem;opacity:0;transition:opacity .35s;color:var(--fg)}
@media (max-width:700px){
  .intro{grid-template-columns:1fr}
  .intro .preview,.intro .qs{grid-column:1}
  .pgrid{min-height:110px}
}
.pc.c1{background:var(--c1)}.pc.c2{background:var(--c2)}.pc.c3{background:var(--c3)}.pc.c4{background:var(--c4)}
/* Paramètres : un par ligne */
.fields{grid-template-columns:1fr;max-width:420px}

/* La colonne des montants prend juste la place de son contenu; les cases se partagent le reste */
th.row{width:1%;white-space:nowrap}
@media (max-width:600px){thead th.row{white-space:normal;line-height:1.2}}
th.axis{font-size:.8rem;font-weight:600;color:var(--muted);padding-bottom:2px;border-bottom:1px solid var(--line)}
th.axis{white-space:normal;line-height:1.25}
/* Surbrillance de rangée / colonne au clic */
#grid th.ch,#grid th.rl,#grid td{cursor:pointer}
#grid td{transition:opacity .15s,transform .15s}
#grid.hl td{opacity:.3}
#grid.hl td.in{opacity:1}
#grid td.x{outline:3px solid var(--accent);outline-offset:1px;position:relative}
#grid th.sel{color:var(--accent);text-decoration:underline;text-underline-offset:3px}
#grid th.ch:hover,#grid th.rl:hover{color:var(--accent)}
#grid :focus-visible{outline:2px solid var(--accent);outline-offset:1px}
/* Survol d'une cellule : grisée */
@media (hover:hover){#grid td:hover{filter:grayscale(1);opacity:1}}
.legend-title{color:var(--fg);font-size:.85rem}
/* Impression */
.print-only{display:none}
@media print{
  @page{margin:12mm}
  html,body{background:#fff!important;min-height:0}
  .page{min-height:0}
  #lang,#intro,#app>.card[aria-labelledby="params"],#funds,footer,.actions{display:none!important}
  .print-only{display:block;margin:0 0 10px;font-size:.95rem}
  .card{border:0;padding:0;margin:0 0 14px;break-inside:avoid}
  td,.chip{-webkit-print-color-adjust:exact;print-color-adjust:exact}
  #grid td{filter:none}
  .legal p{font-size:.8rem}
}
/* Lisibilité : texte plus grand, meilleur contraste */
:root{--muted:#46506a}
@media (prefers-color-scheme:dark){:root{--muted:#b9c2d3}}
html{font-size:112.5%}
body{font-size:1rem;line-height:1.55}
h1{font-size:2.2rem}
h2{font-size:1.45rem}
h3{font-size:1.05rem}
label,input,select,button,#msg{font-size:1rem}
th{font-size:.95rem}
th.axis{font-size:.9rem}
td{font-size:1.1rem;padding:10px 4px}
.legend,.privacy,.legal p,.small,.funds span{font-size:.95rem}
.legend-title{font-size:1rem}
.funds a.official{font-size:.9rem}
label small{font-size:.9rem}
@media (max-width:600px){
  html{font-size:106.25%}
  h1{font-size:1.7rem}
  th{font-size:.8rem}
  th.row{font-size:.85rem}
  td{font-size:1rem;padding:9px 2px}
}
/* Écran de résultats : moins d'espace vertical perdu */
body:not(.intro-mode) header{padding-top:12px}
body:not(.intro-mode) h1{font-size:1.6rem}
body:not(.intro-mode) #lang{padding:4px 12px;min-height:0}
#app .card{padding:14px 18px;margin:10px 0}
#app #grid-title{font-size:1.2rem;margin:0 0 6px}
#app td{padding:7px 4px;line-height:1.2}
#app th{padding-top:3px;padding-bottom:3px}
#app .legend{margin-top:8px}
@media (max-width:600px){
  #app .card{padding:12px}
  #app td{padding:8px 2px}
}
/* Intro compacte : le footer reste visible sans défilement */
body.intro-mode header{padding-top:10px}
body.intro-mode .card{padding:14px 20px}
body.intro-mode #intro h2{font-size:1.3rem;margin-bottom:6px}
body.intro-mode .intro{gap:10px 24px;margin-top:4px}
body.intro-mode .intro .qs{gap:6px}
body.intro-mode .intro label{gap:2px}
body.intro-mode .intro .privacy{padding:8px 12px}
body.intro-mode .intro input{padding-top:6px;padding-bottom:6px}
body.intro-mode footer{padding:12px 16px;margin-top:8px}
@media (max-width:700px){body.intro-mode .card{padding:12px}}
/* Résultats : pas d'en-tête (le changement de langue est dans les actions) */
body:not(.intro-mode) header{display:none}
body:not(.intro-mode) .page{padding-top:6px}
/* Grands écrans / iPad : paramètres à gauche, grille à droite */
@media (min-width:768px){
  body:not(.intro-mode) main{max-width:1180px}
  #app{display:grid;grid-template-columns:270px minmax(0,1fr);grid-template-areas:"params grid" "params funds" "params legal";grid-template-rows:auto auto 1fr;column-gap:16px;align-items:start}
  #app>section[aria-labelledby="params"]{grid-area:params;position:sticky;top:10px}
  #app>section[aria-labelledby="grid-title"]{grid-area:grid}
  #app>#funds{grid-area:funds}
  #app>.legal{grid-area:legal}
  #app .fields{max-width:none}
}
@media print{#app{display:block}#app>section[aria-labelledby="params"]{position:static}}
th.ch{white-space:nowrap}
.actions{flex-wrap:wrap}
.actions button{white-space:nowrap}
@media (min-width:768px) and (max-width:1023px){
  #app{grid-template-columns:225px minmax(0,1fr)}
  #app td{font-size:1rem}
  #app .card{padding:14px}
}
/* Champs : jamais plus larges que leur conteneur */
input,select{width:100%;min-width:0;max-width:100%}
.money{min-width:0}
/* Carte des paramètres : fond jaune pour la distinguer */
section[aria-labelledby="params"]{background:color-mix(in srgb,#ffee00 24%,var(--card));border-color:#d9c400}
section[aria-labelledby="params"] input{background:var(--card)}
/* Boutons d'action sous la légende */
.actions button{color:#fff;border-color:transparent;font-weight:600;transition:filter .15s,transform .05s}
.actions button:hover{filter:brightness(1.12)}
.actions button:active{transform:translateY(1px)}
#share{background:#0b7a4b}
#print{background:#1d63c9}
#reset{background:#b45309}
.lang-btn.lang-btn{background:#6d4bd1;color:#fff}
/* Carte Wealthsimple (lien de parrainage) */
.ws{border:1px solid #0b7a4b;border-radius:10px;padding:14px 16px;margin:16px 0;background:color-mix(in srgb,#0b7a4b 8%,var(--card))}
.ws h3{margin:0 0 8px;color:var(--fg);font-size:1.15rem}
.ws p{margin:0 0 10px}
.ws .code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:#fff;color:#0b5a39;border:1px dashed #0b7a4b;border-radius:6px;padding:1px 8px;letter-spacing:.05em}
.ws a.cta{display:inline-block;background:#0b7a4b;color:#fff;font-weight:700;text-decoration:none;border-radius:8px;padding:10px 16px}
.ws a.cta:hover{filter:brightness(1.12)}
.ws-note{color:var(--muted)}
/* Toutes les colonnes de données ont exactement la même largeur */
#grid{table-layout:fixed;width:100%}
#grid col.lab{width:5.6rem}
#grid th.row{width:auto}
#grid thead th.row{white-space:normal;line-height:1.2}
#grid tbody th.row{white-space:nowrap}
@media (max-width:600px){#grid col.lab{width:3.6rem}}
/* Bascule $ par an / $ par mois */
.seg{display:inline-flex;border:1px solid var(--line);border-radius:10px;overflow:hidden;margin:0 0 8px}
.seg button{border:0;border-radius:0;background:transparent;padding:6px 16px;min-height:0;font-weight:600;color:var(--fg)}
.seg button[aria-pressed="true"]{background:#0b7a4b;color:#fff}
/* Bouton de langue discret dans le footer */
footer button.lang-btn.lang-btn{background:none;border:0;border-radius:0;padding:0;min-height:0;font:inherit;font-weight:500;color:#000;text-decoration:underline;text-underline-offset:3px;cursor:pointer;opacity:.75}
footer button.lang-btn.lang-btn:hover{opacity:1}
.top{justify-content:flex-start}
/* Détail de la case cliquée (au-dessus de la grille) */
.grid-top{display:flex;flex-wrap:wrap;align-items:center;gap:8px 16px;margin:0 0 8px}
.grid-top .seg{margin:0}
.detail{margin:0;flex:1 1 220px;min-height:2.7em;display:flex;align-items:center;font-size:1rem;line-height:1.3}
.detail.hint{color:var(--muted);font-size:.95rem}
/* Impression : la bascule et le détail de la case choisie s'impriment aussi */
@media print{
  .grid-top{display:flex!important}
  .seg,.seg button{-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .detail.hint{display:none!important}
}
.adv-actions{margin:12px 0 0;display:flex;flex-wrap:wrap;gap:10px}

/* Montants : $ complets par défaut, k$ sur petits écrans seulement */
.amt-k{display:none}
@media (max-width:600px){.amt-full{display:none}.amt-k{display:inline}}
/* Bouton « Rétablir » : survol animé */
#adv-auto{transition:transform .15s ease,border-color .15s,color .15s,box-shadow .15s}
@media (hover:hover){#adv-auto:hover{transform:translateY(-2px);border-color:var(--accent);color:var(--accent);box-shadow:0 3px 8px rgba(0,0,0,.12)}}
#adv-auto:active{transform:translateY(0);box-shadow:none}
@media (prefers-reduced-motion:reduce){#adv-auto{transition:none}#adv-auto:hover{transform:none}}

/* contribution de l'utilisateur et rangée "requis pour l'âge cible" */
#grid tr.mine th.row{color:var(--accent);font-weight:800}
#grid tr.mine td{box-shadow:inset 0 2px 0 var(--accent),inset 0 -2px 0 var(--accent);font-weight:800}
#grid tr.mine td:last-child{box-shadow:inset 0 2px 0 var(--accent),inset 0 -2px 0 var(--accent),inset -2px 0 0 var(--accent)}
#grid tr.mine th.row+td{box-shadow:inset 0 2px 0 var(--accent),inset 0 -2px 0 var(--accent),inset 2px 0 0 var(--accent)}
#grid tr.need td{cursor:default;font-size:.8rem;font-weight:700;color:var(--accent);border-bottom:2px solid var(--accent);background:color-mix(in srgb,var(--accent) 10%,var(--card))}
#grid tr.need th.row{font-size:.8rem;white-space:normal;line-height:1.2;color:var(--accent)}
.tips{margin:12px 0 0;padding:10px 14px;border-left:4px solid var(--accent);background:color-mix(in srgb,var(--accent) 8%,var(--card));border-radius:0 8px 8px 0;font-size:.95rem}
.tips:empty{display:none}
.tips p{margin:4px 0}
.mine-q{display:flex;flex-direction:column;gap:4px;font-size:.9rem;color:var(--muted)}
.radios{display:flex;gap:18px}
label.radio{flex-direction:row;align-items:center;gap:6px;color:var(--fg);cursor:pointer}
label.radio input{width:auto;margin:0;accent-color:var(--accent)}