// ============================================================
//  MERIDIAN PIN GATE
//  To change your default PIN: update DEFAULT_PIN_HASH below
//  Generate a new hash: open browser console and run:
//    sha256('yourpin').then(h => console.log(h))
//  Current default PIN: 1234
// ============================================================

const PIN_STORAGE_KEY  = 'meridian_pin_hash';
const PIN_LOCKOUT_KEY  = 'meridian_lockout';
const PIN_ATTEMPTS_KEY = 'meridian_attempts';
const MAX_ATTEMPTS     = 3;
const LOCKOUT_MINUTES  = 10;
const INACTIVITY_MS    = 15 * 60 * 1000; // 15 minutes

// SHA-256 of '1234' — this is the fallback if no PIN has been set yet
const DEFAULT_PIN_HASH = '03ac674216f3e15c761ee1a5e255f067953623c8b388b4459e13f978d7c846f4';

let pinBuffer   = '';
let pinSetupStep = 0;   // 0=normal, 1=first entry for setup, 2=confirm
let pinSetupFirst = '';
let inactivityTimer = null;

async function sha256(str) {
  const buf  = await crypto.subtle.digest('SHA-256', new TextEncoder().encode(str));
  return Array.from(new Uint8Array(buf)).map(b => b.toString(16).padStart(2,'0')).join('');
}

function getStoredHash() {
  try { return localStorage.getItem(PIN_STORAGE_KEY) || DEFAULT_PIN_HASH; } catch(e) { return DEFAULT_PIN_HASH; }
}

function isFirstTime() {
  try { return !localStorage.getItem(PIN_STORAGE_KEY); } catch(e) { return false; }
}

function getLockout() {
  try {
    const data = JSON.parse(localStorage.getItem(PIN_LOCKOUT_KEY) || '{}');
    if (data.until && Date.now() < data.until) return data.until;
    return null;
  } catch(e) { return null; }
}

function setLockout() {
  const until = Date.now() + LOCKOUT_MINUTES * 60000;
  try { localStorage.setItem(PIN_LOCKOUT_KEY, JSON.stringify({until})); } catch(e) {}
}

function clearLockout() {
  try { localStorage.removeItem(PIN_LOCKOUT_KEY); localStorage.removeItem(PIN_ATTEMPTS_KEY); } catch(e) {}
}

function getAttempts() {
  try { return parseInt(localStorage.getItem(PIN_ATTEMPTS_KEY) || '0'); } catch(e) { return 0; }
}

function incrementAttempts() {
  const n = getAttempts() + 1;
  try { localStorage.setItem(PIN_ATTEMPTS_KEY, n); } catch(e) {}
  return n;
}

function updateDots() {
  for (let i = 0; i < 4; i++) {
    const d = document.getElementById('d' + i);
    if (!d) return;
    d.className = 'pin-dot' + (i < pinBuffer.length ? ' filled' : '');
  }
}

function setDotError() {
  for (let i = 0; i < 4; i++) {
    const d = document.getElementById('d' + i);
    if (d) d.className = 'pin-dot error';
  }
}

function setMsg(msg, color) {
  const el = document.getElementById('pinMsg');
  if (el) { el.textContent = msg; el.style.color = color || '#55524c'; }
}

function pinPress(digit) {
  // Check lockout
  const lockUntil = getLockout();
  if (lockUntil) {
    const mins = Math.ceil((lockUntil - Date.now()) / 60000);
    setMsg('LOCKED — TRY IN ' + mins + ' MIN', '#d16666');
    return;
  }
  if (pinBuffer.length >= 4) return;
  pinBuffer += digit;
  updateDots();
  if (pinBuffer.length === 4) {
    setTimeout(() => submitPin(), 120);
  }
}

function pinClear() { pinBuffer = ''; updateDots(); setMsg(pinSetupStep === 1 ? 'SET NEW PIN' : pinSetupStep === 2 ? 'CONFIRM PIN' : 'ENTER PIN'); }
function pinBackspace() { pinBuffer = pinBuffer.slice(0,-1); updateDots(); }

async function submitPin() {
  const hash = await sha256(pinBuffer);

  // SETUP MODE — first time, no PIN stored
  if (isFirstTime() || pinSetupStep > 0) {
    if (pinSetupStep === 0) {
      // Start setup
      pinSetupStep = 1;
      pinSetupFirst = hash;
      pinBuffer = '';
      updateDots();
      setMsg('CONFIRM YOUR PIN', '#e8a838');
      return;
    }
    if (pinSetupStep === 1) {
      if (hash !== pinSetupFirst) {
        // Mismatch
        setDotError();
        document.getElementById('pinGate').classList.add('shake');
        setTimeout(() => { document.getElementById('pinGate').classList.remove('shake'); }, 400);
        pinBuffer = ''; pinSetupStep = 1; pinSetupFirst = '';
        updateDots();
        setMsg("PINS DON'T MATCH — TRY AGAIN", '#d16666');
        setTimeout(() => { setMsg('SET YOUR PIN', '#e8a838'); }, 1800);
        return;
      }
      // Confirmed — save
      try { localStorage.setItem(PIN_STORAGE_KEY, pinSetupFirst); } catch(e) {}
      pinSetupStep = 0; pinSetupFirst = '';
      document.getElementById('pinSetupNotice').style.display = 'none';
      unlockDashboard();
      return;
    }
  }

  // NORMAL UNLOCK MODE
  const stored = getStoredHash();
  if (hash === stored) {
    clearLockout();
    unlockDashboard();
  } else {
    const attempts = incrementAttempts();
    const remaining = MAX_ATTEMPTS - attempts;
    setDotError();
    document.getElementById('pinGate').classList.add('shake');
    setTimeout(() => { document.getElementById('pinGate').classList.remove('shake'); }, 400);
    pinBuffer = '';
    updateDots();
    if (remaining <= 0) {
      setLockout();
      setMsg('LOCKED FOR ' + LOCKOUT_MINUTES + ' MINUTES', '#d16666');
    } else {
      setMsg('WRONG PIN · ' + remaining + ' ATTEMPT' + (remaining>1?'S':'') + ' LEFT', '#d16666');
      setTimeout(() => setMsg('ENTER PIN'), 2000);
    }
  }
}

function unlockDashboard() {
  const gate = document.getElementById('pinGate');
  gate.classList.add('unlocking');
  setTimeout(() => {
    gate.style.display = 'none';
    startInactivityTimer();
  }, 340);
}

// ---- Inactivity auto-lock ----
function startInactivityTimer() {
  resetInactivityTimer();
  ['mousemove','keydown','click','scroll','touchstart'].forEach(evt =>
    document.addEventListener(evt, resetInactivityTimer, { passive:true })
  );
}

function resetInactivityTimer() {
  clearTimeout(inactivityTimer);
  inactivityTimer = setTimeout(lockDashboard, INACTIVITY_MS);
}

function lockDashboard() {
  pinBuffer = ''; pinSetupStep = 0;
  updateDots();
  setMsg('SESSION EXPIRED — ENTER PIN', '#e8a838');
  document.getElementById('pinGate').style.display = 'flex';
  document.getElementById('pinGate').style.opacity = '1';
  document.getElementById('pinGate').style.transform = 'none';
  document.getElementById('pinGate').classList.remove('unlocking');
}

// ---- Change PIN (callable from settings) ----
function openChangePinModal() {
  document.getElementById('changePinModal').style.display = 'flex';
  document.getElementById('cp_current').value = '';
  document.getElementById('cp_new').value = '';
  document.getElementById('cp_confirm').value = '';
  document.getElementById('changePinError').textContent = '';
  document.getElementById('cp_current').focus();
}

function closeChangePinModal() {
  document.getElementById('changePinModal').style.display = 'none';
}

async function submitChangePin() {
  const current = document.getElementById('cp_current').value.trim();
  const newPin   = document.getElementById('cp_new').value.trim();
  const confirm  = document.getElementById('cp_confirm').value.trim();
  const errEl    = document.getElementById('changePinError');

  if (!/^\d{4}$/.test(current)) { errEl.textContent = 'Current PIN must be 4 digits'; return; }
  if (!/^\d{4}$/.test(newPin))  { errEl.textContent = 'New PIN must be 4 digits'; return; }
  if (newPin !== confirm)        { errEl.textContent = "New PINs don't match"; return; }

  const currentHash = await sha256(current);
  if (currentHash !== getStoredHash()) { errEl.textContent = 'Current PIN is incorrect'; return; }

  const newHash = await sha256(newPin);
  try { localStorage.setItem(PIN_STORAGE_KEY, newHash); } catch(e) {}
  errEl.style.color = '#6fb285';
  errEl.textContent = '✓ PIN CHANGED SUCCESSFULLY';
  setTimeout(closeChangePinModal, 1200);
}

// ---- Keyboard support ----
document.addEventListener('keydown', e => {
  if (document.getElementById('pinGate').style.display === 'none') return;
  // Don't intercept if change-pin modal is open
  if (document.getElementById('changePinModal').style.display === 'flex') return;
  if (e.key >= '0' && e.key <= '9') pinPress(e.key);
  else if (e.key === 'Backspace') pinBackspace();
  else if (e.key === 'Escape')    pinClear();
});

// ---- Init on load ----
window.addEventListener('load', () => {
  const lockUntil = getLockout();
  if (lockUntil) {
    const mins = Math.ceil((lockUntil - Date.now()) / 60000);
    setMsg('LOCKED — TRY IN ' + mins + ' MINUTES', '#d16666');
  } else if (isFirstTime()) {
    document.getElementById('pinSetupNotice').style.display = 'block';
    setMsg('SET YOUR PIN', '#e8a838');
  } else {
    setMsg('ENTER PIN');
  }
});


  // Live clock
  function updateClock() {
    const now = new Date();
    const opts = { hour: '2-digit', minute: '2-digit', second: '2-digit', hour12: false, timeZone: 'America/New_York' };
    document.getElementById('clock').textContent = now.toLocaleTimeString('en-US', opts) + ' EST';
  }
  updateClock();
  setInterval(updateClock, 1000);

  // ==== Roth Conversion Calculator ====
  const incomeSlider = document.getElementById('incomeSlider');
  const rothSlider = document.getElementById('rothSlider');
  const incomeVal = document.getElementById('incomeVal');
  const rothVal = document.getElementById('rothVal');
  const magiVal = document.getElementById('magiVal');
  const marginalRate = document.getElementById('marginalRate');
  const fedTax = document.getElementById('fedTax');
  const effRate = document.getElementById('effRate');
  const bracketInd = document.getElementById('bracketInd');
  const irmaaTiers = document.querySelectorAll('.irmaa-tier');
  const irmaaStatus = document.getElementById('irmaaStatus');

  // 2026 MFJ brackets (approximate, illustrative)
  const brackets = [
    { limit: 23850, rate: 0.10 },
    { limit: 96950, rate: 0.12 },
    { limit: 206700, rate: 0.22 },
    { limit: 394600, rate: 0.24 },
    { limit: 501050, rate: 0.32 },
    { limit: 751600, rate: 0.35 },
    { limit: Infinity, rate: 0.37 }
  ];

  // Visual bracket widths (must sum to 100)
  const bracketWidths = [10, 15, 20, 20, 15, 12, 8];
  const bracketRates = [10, 12, 22, 24, 32, 35, 37];
  // scale max for indicator
  const indicatorMax = 600000;

  function fmtCurrency(n) {
    return '$' + Math.round(n).toLocaleString();
  }

  function calcTax(income) {
    let tax = 0;
    let prev = 0;
    let marginal = 0.10;
    for (const b of brackets) {
      if (income > b.limit) {
        tax += (b.limit - prev) * b.rate;
        prev = b.limit;
        marginal = b.rate;
      } else {
        tax += (income - prev) * b.rate;
        marginal = b.rate;
        break;
      }
    }
    return { tax, marginal };
  }

  function updateIrmaa(magi) {
    const limits = [206000, 258000, 322000, 386000, Infinity];
    let activeIdx = 0;
    for (let i = 0; i < limits.length; i++) {
      if (magi < limits[i]) { activeIdx = i; break; }
    }
    irmaaTiers.forEach((el, i) => {
      el.classList.toggle('active', i === activeIdx);
    });
    const statusText = [
      'TIER 0 · CLEAR',
      'TIER 1 · CAUTION',
      'TIER 2 · CAUTION',
      'TIER 3 · WARNING',
      'TIER 4 · MAX'
    ][activeIdx];
    const statusClass = activeIdx === 0 ? 'clear' : (activeIdx >= 3 ? 'danger' : 'warn');
    irmaaStatus.className = 'status ' + statusClass;
    irmaaStatus.textContent = statusText;
  }

  function update() {
    const income = parseInt(incomeSlider.value);
    const roth = parseInt(rothSlider.value);
    const magi = income + roth;

    incomeVal.textContent = fmtCurrency(income);
    rothVal.textContent = fmtCurrency(roth);
    magiVal.textContent = fmtCurrency(magi);

    const { tax, marginal } = calcTax(magi);
    fedTax.textContent = fmtCurrency(tax);
    marginalRate.textContent = (marginal * 100).toFixed(0) + '%';
    effRate.textContent = magi > 0 ? (tax / magi * 100).toFixed(1) + '%' : '0%';

    // Color-code marginal rate
    marginalRate.classList.remove('warn', 'safe');
    if (marginal >= 0.32) marginalRate.classList.add('warn');
    else if (marginal <= 0.12) marginalRate.classList.add('safe');

    // Position indicator on bracket bar
    // Map MAGI to bracket visual position
    let position = 0;
    let cumWidth = 0;
    for (let i = 0; i < brackets.length; i++) {
      const b = brackets[i];
      const w = bracketWidths[i];
      const bracketMin = i === 0 ? 0 : brackets[i-1].limit;
      const bracketMax = b.limit === Infinity ? 900000 : b.limit;
      if (magi <= bracketMax) {
        const within = (magi - bracketMin) / (bracketMax - bracketMin);
        position = cumWidth + within * w;
        break;
      }
      cumWidth += w;
      if (i === brackets.length - 1) position = 98;
    }
    bracketInd.style.left = Math.min(Math.max(position, 0), 99) + '%';

    updateIrmaa(magi);
  }

  incomeSlider.addEventListener('input', update);
  rothSlider.addEventListener('input', update);
  update();

  // ==== Risk Tolerance Slider ====
  const riskProfiles = [
    { name: 'Conservative',        us: 20, intl: 10, bonds: 65, reit: 5,  ret: 4.8, vol: 6.5,  worst: -7,  horizon: '3-5 yrs',  horizonSub: 'Capital preservation focus' },
    { name: 'Moderate Conservative',us: 35, intl: 15, bonds: 45, reit: 5,  ret: 5.8, vol: 8.5,  worst: -11, horizon: '5-7 yrs',  horizonSub: 'Balanced income & growth' },
    { name: 'Moderate',            us: 45, intl: 15, bonds: 35, reit: 5,  ret: 6.8, vol: 10.5, worst: -14, horizon: '7-10 yrs', horizonSub: 'Growth with stability buffer' },
    { name: 'Moderate Aggressive', us: 60, intl: 20, bonds: 18, reit: 2,  ret: 7.8, vol: 13,   worst: -17, horizon: '10+ yrs',  horizonSub: 'Accepts equity drawdown cycles' },
    { name: 'Aggressive',          us: 72, intl: 23, bonds: 3,  reit: 2,  ret: 8.7, vol: 16,   worst: -24, horizon: '15+ yrs',  horizonSub: 'Maximum long-term compounding' }
  ];

  let TOTAL_AUM = 2653462;
  const riskSlider = document.getElementById('riskSlider');

  // Current holdings for rebalance delta calc (post NIO sale, all to ETFs)
  // Assume starting from 100% cash after liquidation
  function calcRebalanceTrades(profile) {
    const targetUS = TOTAL_AUM * profile.us / 100;
    const targetIntl = TOTAL_AUM * profile.intl / 100;
    const targetBonds = TOTAL_AUM * profile.bonds / 100;
    const targetREIT = TOTAL_AUM * profile.reit / 100;
    return [
      { action: 'BUY', sym: 'VTI',  desc: 'US Total Stock Market',   amt: targetUS },
      { action: 'BUY', sym: 'VXUS', desc: 'Total International',      amt: targetIntl },
      { action: 'BUY', sym: 'BND',  desc: 'US Total Bond Market',     amt: targetBonds },
      { action: 'BUY', sym: 'VNQ',  desc: 'Real Estate (REIT)',       amt: targetREIT }
    ];
  }

  function fmtK(n) {
    if (n >= 1e6) return '$' + (n/1e6).toFixed(2) + 'M';
    if (n >= 1e3) return '$' + Math.round(n/1e3) + 'K';
    return '$' + Math.round(n).toLocaleString();
  }

  function updateRiskDisplay() {
    const idx = parseInt(riskSlider.value) - 1;
    const p = riskProfiles[idx];

    document.getElementById('riskProfileName').textContent = p.name;
    document.getElementById('currentRiskLabel').textContent = p.name;
    document.getElementById('projRiskLabel').textContent = p.name;

    // Allocation bars
    document.getElementById('barUS').style.width = p.us + '%';
    document.getElementById('barIntl').style.width = p.intl + '%';
    document.getElementById('barBonds').style.width = p.bonds + '%';
    document.getElementById('barREIT').style.width = p.reit + '%';
    document.getElementById('pctUS').textContent = p.us + '%';
    document.getElementById('pctIntl').textContent = p.intl + '%';
    document.getElementById('pctBonds').textContent = p.bonds + '%';
    document.getElementById('pctREIT').textContent = p.reit + '%';

    // Stats
    document.getElementById('riskExpReturn').textContent = p.ret.toFixed(1) + '%';
    document.getElementById('riskStdDev').textContent = '± ' + p.vol + '% volatility (1σ)';
    document.getElementById('riskWorst').textContent = p.worst + '%';
    document.getElementById('riskHorizon').textContent = p.horizon;
    document.getElementById('riskHorizonSub').textContent = p.horizonSub;

    // Rebalance trades
    const trades = calcRebalanceTrades(p);
    const rebalanceHtml = trades.map(t => `
      <div class="trade-row">
        <div class="trade-action buy">${t.action}</div>
        <div class="trade-detail"><span class="sym">${t.sym}</span> <span class="desc">${t.desc}</span></div>
        <div class="trade-amount">${fmtK(t.amt)} · ${((t.amt/TOTAL_AUM)*100).toFixed(0)}%</div>
      </div>
    `).join('');
    document.getElementById('rebalanceTrades').innerHTML = rebalanceHtml +
      `<div style="margin-top: 14px; font-family: 'JetBrains Mono', monospace; font-size: 11px; color: var(--ink-dim); letter-spacing: 0.05em;">→ Execute inside IRAs · zero tax · rebalance back to these targets when drift exceeds ±5%</div>`;

    // Projections (1, 3, 5 years)
    // Use lognormal approximation: median = P0 * (1+r)^t, range uses t-year vol
    const horizons = [1, 3, 5];
    horizons.forEach((t, i) => {
      const key = i === 0 ? '1' : (i === 1 ? '3' : '5');
      const median = TOTAL_AUM * Math.pow(1 + p.ret/100, t);
      const tVol = p.vol / 100 * Math.sqrt(t);
      const low = median * Math.exp(-1.645 * tVol);
      const high = median * Math.exp(1.645 * tVol);
      document.getElementById(`proj${key}low`).textContent = fmtK(low);
      document.getElementById(`proj${key}med`).textContent = fmtK(median);
      document.getElementById(`proj${key}high`).textContent = fmtK(high);
      const gain = median - TOTAL_AUM;
      const gainPct = (gain / TOTAL_AUM * 100);
      const color = gain >= 0 ? 'var(--green)' : 'var(--red)';
      document.getElementById(`proj${key}gain`).innerHTML =
        `Median gain: <span style="color: ${color};">${gain >= 0 ? '+' : ''}${fmtK(gain)} (${gainPct >= 0 ? '+' : ''}${gainPct.toFixed(1)}%)</span>`;
    });

    // Fan chart — map value to y (40=$5.5M, 220=$2M, linear)
    function valToY(v) {
      const vMil = v / 1e6;
      return 220 - (vMil - 2) * (180 / 3.5);
    }
    const medians = horizons.map(t => TOTAL_AUM * Math.pow(1 + p.ret/100, t));
    const lows = horizons.map((t, i) => medians[i] * Math.exp(-1.645 * p.vol/100 * Math.sqrt(t)));
    const highs = horizons.map((t, i) => medians[i] * Math.exp(1.645 * p.vol/100 * Math.sqrt(t)));
    // Status quo (0.98% actual drag from Q1 2026 fee statement)
    const sqRet = p.ret - 0.98;
    const sqMedians = horizons.map(t => TOTAL_AUM * Math.pow(1 + sqRet/100, t));

    const xs = [40, 145, 325, 505];
    const startY = valToY(TOTAL_AUM);

    // Fan area: lows forward, highs back
    let fanPath = `M 40 ${startY.toFixed(1)}`;
    horizons.forEach((_, i) => { fanPath += ` L ${xs[i+1]} ${Math.max(valToY(lows[i]), 40).toFixed(1)}`; });
    for (let i = horizons.length - 1; i >= 0; i--) {
      fanPath += ` L ${xs[i+1]} ${Math.max(valToY(highs[i]), 40).toFixed(1)}`;
    }
    fanPath += ' Z';
    document.getElementById('fanArea').setAttribute('d', fanPath);

    // Median path
    let medPath = `M 40 ${startY.toFixed(1)}`;
    horizons.forEach((_, i) => { medPath += ` L ${xs[i+1]} ${Math.max(valToY(medians[i]), 40).toFixed(1)}`; });
    document.getElementById('fanMedian').setAttribute('d', medPath);

    // Status quo path
    let sqPath = `M 40 ${startY.toFixed(1)}`;
    horizons.forEach((_, i) => { sqPath += ` L ${xs[i+1]} ${Math.max(valToY(sqMedians[i]), 40).toFixed(1)}`; });
    document.getElementById('fanSQ').setAttribute('d', sqPath);

    // Endpoint
    const endY = Math.max(valToY(medians[2]), 40);
    document.getElementById('fanEnd').setAttribute('cy', endY);
    document.getElementById('fanEndLabel').setAttribute('y', endY - 4);
    document.getElementById('fanEndLabel').textContent = fmtK(medians[2]);
  }

  riskSlider.addEventListener('input', () => { updateRiskDisplay(); updatePhasedPlan(); });
  updateRiskDisplay();

  // ==== Phased Deployment Planner ====
  const pilotSlider = document.getElementById('pilotSlider');
  const rolloutSlider = document.getElementById('rolloutSlider');
  let IRA_AUM = 2483866;

  // Approximate current ETF prices (ticker tape reference)
  const prices = { VTI: 298.42, VXUS: 64.18, BND: 73.85, VNQ: 93.4 };

  function fmtMoney(n) {
    return '$' + Math.round(n).toLocaleString();
  }

  function updatePhasedPlan() {
    const pilotSize = parseInt(pilotSlider.value);
    const rolloutMonths = parseInt(rolloutSlider.value);
    const p = riskProfiles[parseInt(riskSlider.value) - 1];

    document.getElementById('pilotVal').textContent = fmtMoney(pilotSize);
    document.getElementById('rolloutVal').textContent = rolloutMonths;
    document.getElementById('planHeader').textContent = fmtK(pilotSize) + ' pilot → ' + rolloutMonths + '-mo rollout';

    // Pilot trades by risk profile
    const pilotAllocs = [
      { sym: 'VTI',  name: 'US Total Stock Market', pct: p.us },
      { sym: 'VXUS', name: 'Total International',   pct: p.intl },
      { sym: 'BND',  name: 'US Total Bond Market',  pct: p.bonds },
      { sym: 'VNQ',  name: 'Real Estate (REIT)',    pct: p.reit }
    ];

    const pilotHtml = pilotAllocs.map(a => {
      const amt = pilotSize * a.pct / 100;
      return `<div class="trade-row">
        <div class="trade-action buy">BUY</div>
        <div class="trade-detail"><span class="sym">${a.sym}</span> <span class="desc">${a.name}</span></div>
        <div class="trade-amount">${fmtMoney(amt)} · ${a.pct}%</div>
      </div>`;
    }).join('');
    document.getElementById('pilotTrades').innerHTML = pilotHtml;

    // Share-count breakdown
    const shareLines = pilotAllocs.map(a => {
      const amt = pilotSize * a.pct / 100;
      const shares = amt / prices[a.sym];
      if (amt < 1) return '';
      return `<span style="color: var(--amber);">${a.sym}</span> → buy ${shares.toFixed(2)} shares @ $${prices[a.sym].toFixed(2)} = ${fmtMoney(amt)}`;
    }).filter(x => x).join('<br>');
    document.getElementById('shareBreakdown').innerHTML = shareLines;

    // Tranche schedule
    const remaining = IRA_AUM - pilotSize;
    const trancheAmt = remaining / rolloutMonths;
    const monthNames = ['May','Jun','Jul','Aug','Sep','Oct','Nov','Dec','Jan','Feb','Mar','Apr'];
    let tableHtml = '';
    for (let i = 1; i <= rolloutMonths; i++) {
      const cumulative = pilotSize + trancheAmt * i;
      const wrapRemaining = Math.max(IRA_AUM - cumulative, 0);
      const pctComplete = (cumulative / IRA_AUM * 100).toFixed(0);
      const monthLabel = monthNames[(i - 1) % 12] + ' ' + (i > 8 ? '2027' : '2026');
      tableHtml += `<tr>
        <td>${monthLabel}</td>
        <td class="num">${fmtMoney(trancheAmt)}</td>
        <td class="num">${fmtMoney(cumulative)}</td>
        <td class="num" style="color: ${wrapRemaining > 0 ? 'var(--red)' : 'var(--green)'};">${fmtMoney(wrapRemaining)}</td>
        <td class="num">${pctComplete}%</td>
      </tr>`;
    }
    document.getElementById('trancheTableBody').innerHTML = tableHtml;

    // Stats
    const totalWeeks = 1 + rolloutMonths * 4;
    const endMonthIdx = (3 + rolloutMonths) % 12; // starting from April
    const endYear = (3 + rolloutMonths) >= 9 ? '2027' : '2026';
    const endMonthNames = ['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'];
    document.getElementById('rolloutEndDate').textContent = endMonthNames[endMonthIdx] + ' ' + endYear;
    document.getElementById('rolloutEndSub').textContent = '~' + totalWeeks + ' weeks from today';

    // Fee during transition: avg unmoved AUM × ER differential × time
    // Wrap-fund ER ~0.52%, target ETF ER ~0.04%, differential 0.48%
    const erDiff = 0.0048;
    const avgUnmoved = (IRA_AUM - pilotSize) / 2; // linear decline approximation
    const feeCost = avgUnmoved * erDiff * (rolloutMonths / 12);
    document.getElementById('feeDuringTransition').textContent = '~' + fmtMoney(feeCost);

    // Cost of waiting per month (wrap ER on full remaining AUM)
    const costMonth = (IRA_AUM - pilotSize) * erDiff / 12;
    document.getElementById('costPerMonth').textContent = '~' + fmtMoney(costMonth) + '/mo';
  }

  pilotSlider.addEventListener('input', updatePhasedPlan);
  rolloutSlider.addEventListener('input', updatePhasedPlan);
  updatePhasedPlan();

  // ==== Tab navigation ====
  const navItems = document.querySelectorAll('.nav-item[data-target]');
  const sections = document.querySelectorAll('.section');

  navItems.forEach(item => {
    item.addEventListener('click', () => {
      const target = item.getAttribute('data-target');
      if (!target) return;

      // update active nav
      navItems.forEach(n => n.classList.remove('active'));
      item.classList.add('active');

      // swap sections
      sections.forEach(s => s.classList.remove('active'));
      const next = document.getElementById('section-' + target);
      if (next) next.classList.add('active');

      // AI engine: auto-render skills on first visit
      if (target === 'ai-engine') {
        setTimeout(() => {
          if (typeof renderSkills === 'function') renderSkills();
          if (typeof checkApiKeyOnLoad === 'function') checkApiKeyOnLoad();
          if (typeof renderHoldingsManager === 'function') renderHoldingsManager();
          if (typeof updateAISystemPrompt === 'function') updateAISystemPrompt();
        }, 250);
      }

      // scroll to top of main content
      window.scrollTo({ top: 0, behavior: 'smooth' });
    });
  });

  // ==== VALUES EDITOR ====
  const fmtInt = n => Math.round(n).toLocaleString('en-US');
  const fmt2   = n => n.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
  const fmtPct = (n, d=2) => n.toFixed(d);
  const fmtM   = n => (n >= 1e6 ? (n/1e6).toFixed(2) + 'M' : (n/1e3).toFixed(0) + 'K');
  const dateNice = (iso) => {
    const d = new Date(iso + 'T12:00:00');
    return d.toLocaleDateString('en-US', { month: 'short', day: 'numeric', year: 'numeric' });
  };

  function setKey(k, v) {
    document.querySelectorAll(`[data-k="${k}"]`).forEach(el => { el.textContent = v; });
  }

  function applyValues() {
    const rollover = parseFloat(document.getElementById('ed_rollover').value) || 0;
    const roth     = parseFloat(document.getElementById('ed_roth').value) || 0;
    const nio      = parseFloat(document.getElementById('ed_nio').value) || 0;
    const nioLoss  = parseFloat(document.getElementById('ed_nioLoss').value) || 0;
    const feeRoll  = parseFloat(document.getElementById('ed_feeRoll').value) || 0;
    const feeRoth  = parseFloat(document.getElementById('ed_feeRoth').value) || 0;
    const mmCash   = parseFloat(document.getElementById('ed_mmCash').value) || 0;
    const buffer   = parseFloat(document.getElementById('ed_cashBuffer').value) || 0;
    const vti      = parseFloat(document.getElementById('ed_vti').value) || 0;
    const vxus     = parseFloat(document.getElementById('ed_vxus').value) || 0;
    const bnd      = parseFloat(document.getElementById('ed_bnd').value) || 0;
    const vnq      = parseFloat(document.getElementById('ed_vnq').value) || 0;
    const dateIso  = document.getElementById('ed_date').value || '2026-04-20';

    const individualDust = 12;
    const iraAUM   = rollover + roth;
    const totalAUM = rollover + roth + nio + mmCash + individualDust;

    // Annualized fees
    const feeRollY = feeRoll * 4;
    const feeRothY = feeRoth * 4;
    const feeTotQ  = feeRoll + feeRoth;
    const feeTotY  = feeRollY + feeRothY;

    // Rates
    const rateRoll = rollover > 0 ? (feeRollY / rollover * 100) : 0;
    const rateRoth = roth > 0 ? (feeRothY / roth * 100) : 0;
    const rateBlended = iraAUM > 0 ? (feeTotY / iraAUM * 100) : 0;

    // Fund ER estimate (0.52% of IRA AUM)
    const erAnnual = iraAUM * 0.0052;
    const feeAnnualTotal = feeTotY + erAnnual;
    const feeBlendedPct  = iraAUM > 0 ? (feeAnnualTotal / iraAUM * 100) : 0;

    // Account pct of total
    const rollPct = totalAUM > 0 ? (rollover / totalAUM * 100) : 0;
    const rothPct = totalAUM > 0 ? (roth     / totalAUM * 100) : 0;
    const nioPct  = totalAUM > 0 ? (nio      / totalAUM * 100) : 0;
    const mmPct   = totalAUM > 0 ? (mmCash   / totalAUM * 100) : 0;

    // Deployment math
    const deployable = Math.max(mmCash - buffer, 0);
    const fmtK = (n) => n >= 1e6 ? (n/1e6).toFixed(2) + 'M' : (n/1e3).toFixed(0) + 'K';
    // Tax-aware allocation: 50% VTI, 25% VXUS, 20% VTEB, 5% VUG
    const allocVTI  = deployable * 0.50;
    const allocVXUS = deployable * 0.25;
    const allocVTEB = deployable * 0.20;
    const allocVUG  = deployable * 0.05;
    // 3-month DCA (Month 1 and 2 rounded to 1000s, Month 3 = residual)
    const dcaMonth = Math.round(deployable / 3 / 1000) * 1000;
    const dcaM1 = dcaMonth;
    const dcaM2 = dcaMonth;
    const dcaM3 = deployable - (dcaMonth * 2);
    // Yield math
    const mmYieldBefore = mmCash * 0.045;
    const blendedYield  = (allocVTI * 0.013 + allocVXUS * 0.029 + allocVTEB * 0.030 + allocVUG * 0.006) + (buffer * 0.045);
    const mmYieldAfter  = blendedYield;
    const mmGrowth      = deployable * 0.068;

    // Update DOM
    setKey('dateLabel',       dateNice(dateIso));
    setKey('totalAUM',        fmtInt(totalAUM));
    setKey('rollover',        fmtInt(rollover));
    setKey('roth',            fmtInt(roth));
    setKey('nio',             fmtInt(nio));
    setKey('mmCash',          fmtInt(mmCash));
    setKey('mmCashLabel',     fmtK(mmCash));
    setKey('mmCashBig',       fmtK(mmCash));
    setKey('mmCashHero',      fmtInt(mmCash));
    setKey('bufferLabel',     fmtK(buffer));
    setKey('bufferHero',      fmtInt(buffer));
    setKey('deployHero',      fmtInt(deployable));
    setKey('deployTbl',       fmtK(deployable));
    setKey('alloc_VTI',       '$' + fmtInt(allocVTI));
    setKey('alloc_VXUS',      '$' + fmtInt(allocVXUS));
    setKey('alloc_VTEB',      '$' + fmtInt(allocVTEB));
    setKey('alloc_VUG',       '$' + fmtInt(allocVUG));
    setKey('dca_m1',          fmtInt(dcaM1));
    setKey('dca_m2',          fmtInt(dcaM2));
    setKey('dca_m3',          fmtInt(dcaM3));
    setKey('mmYieldBefore',   fmtInt(mmYieldBefore));
    setKey('mmYieldAfter',    fmtInt(mmYieldAfter));
    setKey('mmGrowth',        fmtInt(mmGrowth));
    setKey('rollPct',         fmtPct(rollPct, 1));
    setKey('rothPct',         fmtPct(rothPct, 1));
    setKey('nioPct',          fmtPct(nioPct, 2));
    setKey('mmPct',           fmtPct(mmPct, 2));
    setKey('nioLoss',         fmtInt(nioLoss));
    setKey('feeRoll',         fmt2(feeRoll));
    setKey('feeRoth',         fmt2(feeRoth));
    setKey('feeRollAnnual',   fmt2(feeRollY));
    setKey('feeRothAnnual',   fmt2(feeRothY));
    setKey('feeRollRate',     fmtPct(rateRoll, 3));
    setKey('feeRothRate',     fmtPct(rateRoth, 3));
    setKey('feeTotalQ',       fmt2(feeTotQ));
    setKey('feeTotalY',       fmt2(feeTotY));
    setKey('feeTotalY2',      fmtInt(feeTotY));
    setKey('feeBlendedRate',  fmtPct(rateBlended, 3));
    setKey('feeBlendedPct',   fmtPct(feeBlendedPct, 2));
    setKey('feeBlendedPct2',  fmtPct(feeBlendedPct, 2));
    setKey('advBlendedPct',   fmtPct(rateBlended, 2));
    setKey('advBlendedPct2',  fmtPct(rateBlended, 2));
    setKey('feeAnnualTotal',  fmtInt(feeAnnualTotal));
    setKey('feeAnnualTotal2', fmtInt(feeAnnualTotal));
    setKey('erAnnual',        fmtInt(erAnnual));
    setKey('iraAUMLabel',     fmtM(iraAUM));

    // Update live JS state so phased-deployment planner recomputes correctly
    IRA_AUM = iraAUM;
    TOTAL_AUM = totalAUM;
    prices.VTI  = vti;
    prices.VXUS = vxus;
    prices.BND  = bnd;
    prices.VNQ  = vnq;
    if (typeof updatePhasedPlan === 'function') updatePhasedPlan();
    if (typeof updateRiskDisplay === 'function') updateRiskDisplay();

    // Reflect input values in DOM attrs so they survive outerHTML serialization
    ['ed_date','ed_rollover','ed_roth','ed_nio','ed_nioLoss','ed_mmCash','ed_cashBuffer','ed_feeRoll','ed_feeRoth','ed_vti','ed_vxus','ed_bnd','ed_vnq']
      .forEach(id => {
        const el = document.getElementById(id);
        el.setAttribute('value', el.value);
      });

    const status = document.getElementById('ed_status');
    status.textContent = '✓ Applied · values refreshed in current view';
    status.classList.add('ok');
    setTimeout(() => { status.classList.remove('ok'); status.textContent = 'Edit fields above, then Apply · Download saves a new HTML file with your values baked in'; }, 4000);
  }

  function downloadUpdated() {
    // Ensure all value attributes reflect current inputs
    applyValues();

    // Clone <html> so we can rewrite the embedded script's baked-in constants
    const htmlClone = document.documentElement.cloneNode(true);
    const scriptEl = htmlClone.querySelector('script:last-of-type');
    if (scriptEl) {
      const vti = parseFloat(document.getElementById('ed_vti').value);
      const vxus = parseFloat(document.getElementById('ed_vxus').value);
      const bnd = parseFloat(document.getElementById('ed_bnd').value);
      const vnq = parseFloat(document.getElementById('ed_vnq').value);
      const iraAUM = parseFloat(document.getElementById('ed_rollover').value) + parseFloat(document.getElementById('ed_roth').value);
      const mmCashVal = parseFloat(document.getElementById('ed_mmCash').value) || 0;
      const totalAUM = iraAUM + parseFloat(document.getElementById('ed_nio').value) + mmCashVal + 12;

      let src = scriptEl.textContent;
      src = src.replace(/(const|let) TOTAL_AUM = \d+(\.\d+)?;/,  `let TOTAL_AUM = ${Math.round(totalAUM)};`);
      src = src.replace(/(const|let) IRA_AUM = \d+(\.\d+)?;/,    `let IRA_AUM = ${Math.round(iraAUM)};`);
      src = src.replace(/const prices = \{[^}]+\};/,
        `const prices = { VTI: ${vti}, VXUS: ${vxus}, BND: ${bnd}, VNQ: ${vnq} };`);
      scriptEl.textContent = src;
    }

    const html = '<!DOCTYPE html>\n' + htmlClone.outerHTML;
    const blob = new Blob([html], { type: 'text/html;charset=utf-8' });
    const url = URL.createObjectURL(blob);
    const a = document.createElement('a');
    const dateTag = document.getElementById('ed_date').value || new Date().toISOString().slice(0,10);
    a.href = url;
    a.download = `meridian-dashboard-${dateTag}.html`;
    document.body.appendChild(a);
    a.click();
    document.body.removeChild(a);
    URL.revokeObjectURL(url);

    const status = document.getElementById('ed_status');
    status.textContent = '✓ Downloaded · replace the old HTML file with this one';
    status.classList.add('ok');
    setTimeout(() => { status.classList.remove('ok'); status.textContent = 'Edit fields above, then Apply · Download saves a new HTML file with your values baked in'; }, 5000);
  }

  // Update the download regex to match either const or let
  document.getElementById('ed_apply').addEventListener('click', applyValues);
  document.getElementById('ed_download').addEventListener('click', downloadUpdated);

  // ============================================================
  //  AI SIGNAL ENGINE — Skills · Agents · Orchestrator · Chat
  // ============================================================

  // AI clock sync
  const aiClockEl = document.getElementById('ai-clock');
  if (aiClockEl) {
    setInterval(() => {
      const now = new Date();
      aiClockEl.textContent = now.toLocaleTimeString('en-US',{hour:'2-digit',minute:'2-digit',second:'2-digit',hour12:false,timeZone:'America/New_York'}) + ' EST';
    }, 1000);
  }

  // ---- Portfolio context baked in ----
  // ============================================================
  //  DYNAMIC HOLDINGS REGISTRY — single source of truth
  //  Add / edit / remove tickers — everything re-renders
  // ============================================================

  const DEFAULT_HOLDINGS = [
    { sym:'VTI',  name:'Vanguard Total Stock Market',  shares:5167,  price:298.42, target:60, change:+0.64, type:'ETF',   sector:'US Equity' },
    { sym:'VXUS', name:'Vanguard Total International', shares:6878,  price:64.18,  target:20, change:+0.31, type:'ETF',   sector:'Intl Equity' },
    { sym:'BND',  name:'Vanguard Total Bond Market',   shares:5747,  price:73.85,  target:20, change:-0.08, type:'ETF',   sector:'Bonds' },
    { sym:'VNQ',  name:'Vanguard Real Estate',         shares:844,   price:88.12,  target:0,  change:+0.22, type:'ETF',   sector:'Real Estate' },
  ];

  // Load from localStorage or use defaults
  function loadHoldings() {
    try {
      const saved = localStorage.getItem('meridian_holdings');
      return saved ? JSON.parse(saved) : DEFAULT_HOLDINGS.map(h => ({...h}));
    } catch(e) { return DEFAULT_HOLDINGS.map(h => ({...h})); }
  }

  function saveHoldings(h) {
    try { localStorage.setItem('meridian_holdings', JSON.stringify(h)); } catch(e) {}
  }

  let HOLDINGS = loadHoldings();

  // Derived portfolio stats
  function getPortfolioStats() {
    const totalVal = HOLDINGS.reduce((s,h) => s + h.shares * h.price, 0);
    return HOLDINGS.map(h => ({
      ...h,
      value:   h.shares * h.price,
      weight:  totalVal > 0 ? (h.shares * h.price / totalVal * 100) : 0,
      drift:   totalVal > 0 ? (h.shares * h.price / totalVal * 100) - h.target : 0,
      totalAUM: totalVal
    }));
  }

  // ---- MA data generator (simulated per ticker) ----
  function getMaData(sym, price) {
    // Deterministic seed per symbol for consistent values
    const seed = sym.split('').reduce((a,c) => a + c.charCodeAt(0), 0);
    const rand  = (n, s) => ((seed * s * 9301 + 49297) % 233280) / 233280 * n;
    const ma200 = price * (0.88 + rand(0.18, 3));
    const ma50  = price * (0.93 + rand(0.14, 7));
    const priceAbove200 = price > ma200;
    const ma50Above200  = ma50  > ma200;
    let cross, crossLabel, signal, signalTxt;
    if (priceAbove200 && ma50Above200) {
      const goldenGap = (ma50 - ma200) / ma200;
      if (goldenGap > 0.05) { cross='golden'; crossLabel='🟢 Golden Cross'; signal='bull'; signalTxt='BULLISH'; }
      else                  { cross='bull';   crossLabel='✅ Bullish';       signal='bull'; signalTxt='BULLISH'; }
    } else if (!priceAbove200 && !ma50Above200) {
      const deathGap = (ma200 - ma50) / ma200;
      if (deathGap > 0.03) { cross='death'; crossLabel='🔴 Death Cross'; signal='bear'; signalTxt='BEARISH'; }
      else                 { cross='bear';  crossLabel='⚠️ Caution';     signal='caut'; signalTxt='CAUTION'; }
    } else {
      cross='bear'; crossLabel='⚠️ Mixed'; signal='caut'; signalTxt='WATCH';
    }
    // Fake sparkline
    const spark = Array.from({length:15}, (_,i) => {
      const t = i/14; const noise = ((seed * (i+1) * 1301) % 100) / 100 - 0.5;
      return price * (0.94 + t*0.06 + noise*0.02);
    });
    return { sym, price, ma50, ma200, cross, crossLabel, signal, signalTxt, spark,
      note: `${priceAbove200?'Price above':'Price below'} 200d MA ($${ma200.toFixed(2)}). 50d MA ($${ma50.toFixed(2)}) ${ma50Above200?'above':'below'} 200d. ${cross==='golden'?'Uptrend intact — hold or add on dips.':cross==='death'?'Downtrend in force — no new adds until cross reverses.':'Monitor for confirmation.'}` };
  }

  // ---- RSI/MACD simulator per ticker ----
  function getIndicators(sym, price, change) {
    const seed = sym.split('').reduce((a,c) => a + c.charCodeAt(0), 0);
    const rsi  = 25 + ((seed * 7919) % 50);
    const macd = ((seed * 1013) % 200 - 100) / 100 * 1.5;
    const rsySig = rsi < 30 ? 'bull' : rsi > 70 ? 'bear' : 'neu';
    const rsyTxt = rsi < 30 ? 'OVERSOLD' : rsi > 70 ? 'OVERBOUGHT' : 'NEUTRAL';
    const maSig  = macd > 0 ? 'bull' : 'caut';
    const maTxt  = macd > 0 ? 'BULLISH X' : 'BEARISH X';
    const sent   = 20 + ((seed * 3571) % 60);
    const sentTxt = sent < 30 ? `Fear ${sent}` : sent > 60 ? `Greed ${sent}` : `Neutral ${sent}`;
    const sentSig = sent < 30 ? 'bull' : sent > 60 ? 'caut' : 'neu';
    const atr    = (price * 0.012 + ((seed*1777)%100)/100*0.01).toFixed(2);
    const overall = rsi < 35 ? 'ACCUMULATE' : macd > 0 ? 'HOLD' : rsi > 65 ? 'TRIM' : 'HOLD';
    const overallSig = overall === 'ACCUMULATE' ? 'bull' : overall === 'TRIM' ? 'bear' : 'neu';
    return { sym, rsi:rsi.toFixed(1), macd:macd.toFixed(2), rsySig, rsyTxt, maSig, maTxt,
             sent:sentTxt, sentSig, atr, overall, overallSig };
  }

  // ============================================================
  //  HOLDINGS MANAGER UI
  // ============================================================

  function renderHoldingsManager() {
    const el = document.getElementById('holdingsManagerBody');
    if (!el) return;
    const stats = getPortfolioStats();
    const totalAUM = stats.reduce((s,h) => s + h.value, 0);

    let html = `
      <div style="display:flex; justify-content:space-between; align-items:center; margin-bottom:16px;">
        <div style="font-family:'JetBrains Mono',monospace; font-size:10px; letter-spacing:0.15em; color:var(--ink-faint);">
          ${stats.length} HOLDINGS · $${Math.round(totalAUM).toLocaleString()} TOTAL AUM
        </div>
        <button onclick="showAddHoldingForm()" style="padding:8px 18px; background:rgba(232,168,56,0.1);
          border:1px solid var(--amber); color:var(--amber); cursor:pointer;
          font-family:'JetBrains Mono',monospace; font-size:10px; letter-spacing:0.15em; border-radius:2px;">
          + ADD TICKER
        </button>
      </div>

      <!-- Add/Edit form (hidden by default) -->
      <div id="holdingForm" style="display:none; margin-bottom:16px; padding:20px 22px;
        background:var(--bg-soft); border:1px solid var(--amber); border-radius:2px;">

        <div style="display:flex; justify-content:space-between; align-items:center; margin-bottom:16px;">
          <div style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.2em;
            color:var(--amber);" id="holdingFormTitle">ADD NEW HOLDING</div>
          <div id="hf_lookupStatus" style="font-family:'JetBrains Mono',monospace; font-size:9px;
            letter-spacing:0.12em; color:var(--ink-faint);"></div>
        </div>

        <!-- Row 1: Ticker + Lookup button -->
        <div style="display:grid; grid-template-columns:140px 1fr; gap:10px; margin-bottom:12px;">
          <div>
            <div style="font-size:10px; color:var(--ink-faint); margin-bottom:5px;
              font-family:'JetBrains Mono',monospace; letter-spacing:0.1em;">TICKER *</div>
            <div style="display:flex; gap:6px;">
              <input id="hf_sym" type="text" placeholder="NVDA" maxlength="10"
                style="flex:1; padding:10px 12px; background:var(--panel); border:1px solid var(--line);
                color:var(--ink); font-family:'JetBrains Mono',monospace; font-size:14px;
                letter-spacing:0.1em; border-radius:2px; outline:none; text-transform:uppercase;"
                oninput="this.value=this.value.toUpperCase()"
                onblur="lookupTicker(this.value)"
                onkeydown="if(event.key==='Enter'||event.key==='Tab'){lookupTicker(this.value);}"/>
              <button onclick="lookupTicker(document.getElementById('hf_sym').value)"
                style="padding:10px 12px; background:rgba(232,168,56,0.1); border:1px solid var(--amber);
                color:var(--amber); cursor:pointer; font-family:'JetBrains Mono',monospace;
                font-size:9px; letter-spacing:0.12em; border-radius:2px; white-space:nowrap;">
                LOOKUP
              </button>
            </div>
          </div>
          <div>
            <div style="font-size:10px; color:var(--ink-faint); margin-bottom:5px;
              font-family:'JetBrains Mono',monospace; letter-spacing:0.1em;">COMPANY NAME</div>
            <input id="hf_name" type="text" placeholder="Auto-filled after lookup…"
              style="width:100%; padding:10px 12px; background:var(--panel); border:1px solid var(--line);
              color:var(--ink); font-family:'JetBrains Mono',monospace; font-size:12px;
              border-radius:2px; outline:none; box-sizing:border-box;"/>
          </div>
        </div>

        <!-- Row 2: Price + Shares + Value preview -->
        <div style="display:grid; grid-template-columns:1fr 1fr 1fr; gap:10px; margin-bottom:12px;">
          <div>
            <div style="font-size:10px; color:var(--ink-faint); margin-bottom:5px;
              font-family:'JetBrains Mono',monospace; letter-spacing:0.1em;">CURRENT PRICE * <span id="hf_priceSource" style="color:var(--green);"></span></div>
            <input id="hf_price" type="number" placeholder="Auto-filled…" step="0.01" min="0"
              style="width:100%; padding:10px 12px; background:var(--panel); border:1px solid var(--line);
              color:var(--ink); font-family:'JetBrains Mono',monospace; font-size:14px;
              border-radius:2px; outline:none; box-sizing:border-box;"
              oninput="updateValuePreview()"/>
          </div>
          <div>
            <div style="font-size:10px; color:var(--ink-faint); margin-bottom:5px;
              font-family:'JetBrains Mono',monospace; letter-spacing:0.1em;">NUMBER OF SHARES *</div>
            <input id="hf_shares" type="number" placeholder="e.g. 100" min="0" step="any"
              style="width:100%; padding:10px 12px; background:var(--panel); border:1px solid var(--line);
              color:var(--ink); font-family:'JetBrains Mono',monospace; font-size:14px;
              border-radius:2px; outline:none; box-sizing:border-box;"
              oninput="updateValuePreview()"/>
          </div>
          <div>
            <div style="font-size:10px; color:var(--ink-faint); margin-bottom:5px;
              font-family:'JetBrains Mono',monospace; letter-spacing:0.1em;">TOTAL VALUE</div>
            <div id="hf_valuePreview" style="padding:10px 12px; background:var(--bg-soft);
              border:1px solid var(--line); font-family:'JetBrains Mono',monospace; font-size:14px;
              color:var(--green); border-radius:2px; min-height:42px; line-height:1.5;">—</div>
          </div>
        </div>

        <!-- Row 3: Target % + Sector + Change % -->
        <div style="display:grid; grid-template-columns:1fr 1fr 1fr; gap:10px; margin-bottom:16px;">
          <div>
            <div style="font-size:10px; color:var(--ink-faint); margin-bottom:5px;
              font-family:'JetBrains Mono',monospace; letter-spacing:0.1em;">TARGET ALLOCATION %</div>
            <input id="hf_target" type="number" placeholder="0" step="1" min="0" max="100"
              style="width:100%; padding:10px 12px; background:var(--panel); border:1px solid var(--line);
              color:var(--ink); font-family:'JetBrains Mono',monospace; font-size:14px;
              border-radius:2px; outline:none; box-sizing:border-box;"/>
          </div>
          <div>
            <div style="font-size:10px; color:var(--ink-faint); margin-bottom:5px;
              font-family:'JetBrains Mono',monospace; letter-spacing:0.1em;">SECTOR</div>
            <select id="hf_sector"
              style="width:100%; padding:10px 12px; background:var(--panel); border:1px solid var(--line);
              color:var(--ink); font-family:'JetBrains Mono',monospace; font-size:11px;
              border-radius:2px; outline:none; box-sizing:border-box;">
              <option value="US Equity">US Equity</option>
              <option value="Intl Equity">Intl Equity</option>
              <option value="Bonds">Bonds</option>
              <option value="Real Estate">Real Estate</option>
              <option value="Tech">Tech</option>
              <option value="Defense">Defense</option>
              <option value="Hard Assets">Hard Assets</option>
              <option value="Energy">Energy</option>
              <option value="Healthcare">Healthcare</option>
              <option value="Crypto">Crypto</option>
              <option value="Other">Other</option>
            </select>
          </div>
          <div>
            <div style="font-size:10px; color:var(--ink-faint); margin-bottom:5px;
              font-family:'JetBrains Mono',monospace; letter-spacing:0.1em;">DAY CHANGE %</div>
            <input id="hf_change" type="number" placeholder="0.00" step="0.01"
              style="width:100%; padding:10px 12px; background:var(--panel); border:1px solid var(--line);
              color:var(--ink); font-family:'JetBrains Mono',monospace; font-size:14px;
              border-radius:2px; outline:none; box-sizing:border-box;"/>
          </div>
        </div>

        <!-- Buttons + error -->
        <div style="display:flex; gap:8px; align-items:center; flex-wrap:wrap;">
          <button onclick="saveHoldingForm()"
            style="padding:10px 24px; background:var(--amber); border:none; color:var(--bg);
            cursor:pointer; font-family:'JetBrains Mono',monospace; font-size:10px;
            letter-spacing:0.15em; border-radius:2px; font-weight:600;">SAVE HOLDING</button>
          <button onclick="cancelHoldingForm()"
            style="padding:10px 16px; background:transparent; border:1px solid var(--line);
            color:var(--ink-dim); cursor:pointer; font-family:'JetBrains Mono',monospace;
            font-size:10px; letter-spacing:0.15em; border-radius:2px;">CANCEL</button>
          <div id="holdingFormError"
            style="font-size:11px; color:var(--red); display:none; padding:4px 0;
            font-family:'JetBrains Mono',monospace; letter-spacing:0.08em;"></div>
        </div>
        <input type="hidden" id="hf_editIndex" value="-1"/>
      </div>

      <!-- Holdings table -->
      <table style="width:100%; border-collapse:collapse;">
        <thead>
          <tr style="border-bottom:1px solid var(--line);">
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:left; font-weight:400;">TICKER</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:left; font-weight:400;">NAME</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:right; font-weight:400;">SHARES</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:right; font-weight:400;">PRICE</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:right; font-weight:400;">VALUE</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:right; font-weight:400;">WEIGHT</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:right; font-weight:400;">TARGET</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:right; font-weight:400;">DRIFT</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:right; font-weight:400;">SECTOR</th>
            <th style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em;
              color:var(--ink-faint); padding:8px 12px; text-align:center; font-weight:400;">ACTIONS</th>
          </tr>
        </thead>
        <tbody>`;

    stats.forEach((h, idx) => {
      const driftColor = Math.abs(h.drift) > 5 ? 'var(--red)' : Math.abs(h.drift) > 2 ? 'var(--amber)' : 'var(--ink-dim)';
      const driftSign  = h.drift >= 0 ? '+' : '';
      const ind = getIndicators(h.sym, h.price, h.change);
      const sigColor = { bull:'var(--green)', bear:'var(--red)', neu:'var(--ink-dim)', caut:'var(--amber)' };
      html += `
        <tr style="border-bottom:1px solid var(--line-soft); transition:background 0.15s;"
          onmouseover="this.style.background='var(--panel-light)'"
          onmouseout="this.style.background='transparent'">
          <td style="padding:12px 12px;">
            <span style="font-family:'JetBrains Mono',monospace; font-size:12px; font-weight:500;
              color:var(--amber); letter-spacing:0.08em;">${h.sym}</span>
          </td>
          <td style="padding:12px 12px; font-size:12px; color:var(--ink-dim);">${h.name}</td>
          <td style="padding:12px 12px; text-align:right; font-family:'JetBrains Mono',monospace; font-size:11px;">${h.shares.toLocaleString()}</td>
          <td style="padding:12px 12px; text-align:right; font-family:'JetBrains Mono',monospace; font-size:11px;">$${h.price.toFixed(2)}</td>
          <td style="padding:12px 12px; text-align:right; font-family:'JetBrains Mono',monospace; font-size:11px; color:var(--ink);">$${Math.round(h.value).toLocaleString()}</td>
          <td style="padding:12px 12px; text-align:right; font-family:'JetBrains Mono',monospace; font-size:11px;">${h.weight.toFixed(1)}%</td>
          <td style="padding:12px 12px; text-align:right; font-family:'JetBrains Mono',monospace; font-size:11px; color:var(--ink-dim);">${h.target}%</td>
          <td style="padding:12px 12px; text-align:right; font-family:'JetBrains Mono',monospace; font-size:11px; color:${driftColor};">${driftSign}${h.drift.toFixed(1)}%</td>
          <td style="padding:12px 12px; text-align:right;">
            <span style="font-family:'JetBrains Mono',monospace; font-size:9px; padding:2px 7px;
              border-radius:2px; background:var(--bg-soft); color:var(--ink-dim); border:1px solid var(--line);">
              ${h.sector || 'Other'}
            </span>
          </td>
          <td style="padding:12px 12px; text-align:center;">
            <div style="display:flex; gap:6px; justify-content:center;">
              <button onclick="editHolding(${idx})" style="padding:4px 10px; background:transparent;
                border:1px solid var(--line); color:var(--ink-dim); cursor:pointer;
                font-family:'JetBrains Mono',monospace; font-size:9px; border-radius:2px;
                transition:all 0.15s;" onmouseover="this.style.borderColor='var(--amber)';this.style.color='var(--amber)'"
                onmouseout="this.style.borderColor='var(--line)';this.style.color='var(--ink-dim)'">EDIT</button>
              <button onclick="removeHolding(${idx})" style="padding:4px 10px; background:transparent;
                border:1px solid var(--line); color:var(--ink-dim); cursor:pointer;
                font-family:'JetBrains Mono',monospace; font-size:9px; border-radius:2px;
                transition:all 0.15s;" onmouseover="this.style.borderColor='var(--red)';this.style.color='var(--red)'"
                onmouseout="this.style.borderColor='var(--line)';this.style.color='var(--ink-dim)'">✕</button>
            </div>
          </td>
        </tr>`;
    });

    // Total row
    html += `
        </tbody>
        <tfoot>
          <tr style="border-top:1px solid var(--line);">
            <td colspan="4" style="padding:10px 12px; font-family:'JetBrains Mono',monospace; font-size:10px; letter-spacing:0.15em; color:var(--ink-faint);">TOTAL</td>
            <td style="padding:10px 12px; text-align:right; font-family:'JetBrains Mono',monospace; font-size:12px; font-weight:600; color:var(--green);">$${Math.round(totalAUM).toLocaleString()}</td>
            <td style="padding:10px 12px; text-align:right; font-family:'JetBrains Mono',monospace; font-size:11px; color:var(--ink);">100%</td>
            <td colspan="4"></td>
          </tr>
        </tfoot>
      </table>

      <!-- Allocation bar -->
      <div style="margin-top:16px;">
        <div style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.18em; color:var(--ink-faint); margin-bottom:8px;">ALLOCATION</div>
        <div style="display:flex; height:10px; border-radius:2px; overflow:hidden; gap:1px; background:var(--line);">
          ${stats.map((h,i) => {
            const colors = ['#5a8fc4','#6fb285','#e8a838','#d16666','#a78bfa','#64b5f6','#f06292','#4db6ac','#ffb74d','#90a4ae'];
            return `<div style="flex:${h.weight}; background:${colors[i%colors.length]}; transition:flex 0.5s ease;" title="${h.sym} ${h.weight.toFixed(1)}%"></div>`;
          }).join('')}
        </div>
        <div style="display:flex; gap:16px; flex-wrap:wrap; margin-top:8px;">
          ${stats.map((h,i) => {
            const colors = ['#5a8fc4','#6fb285','#e8a838','#d16666','#a78bfa','#64b5f6','#f06292','#4db6ac','#ffb74d','#90a4ae'];
            return `<span style="font-family:'JetBrains Mono',monospace; font-size:10px; color:var(--ink-dim);">
              <span style="display:inline-block;width:8px;height:8px;border-radius:1px;background:${colors[i%colors.length]};margin-right:5px;"></span>
              ${h.sym} ${h.weight.toFixed(1)}%</span>`;
          }).join('')}
        </div>
      </div>

      <!-- Reset button -->
      <div style="margin-top:14px; text-align:right;">
        <button onclick="resetHoldings()" style="padding:6px 14px; background:transparent;
          border:1px solid var(--line); color:var(--ink-faint); cursor:pointer;
          font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.12em; border-radius:2px;">
          ↺ RESET TO DEFAULTS
        </button>
      </div>`;

    el.innerHTML = html;
  }

  // ---- Known tickers lookup table (offline-first, no API needed) ----
  const TICKER_DB = {
    // ETFs
    'VTI' :{ name:'Vanguard Total Stock Market ETF',      price:298.42, sector:'US Equity',   change:0.64  },
    'VXUS':{ name:'Vanguard Total International ETF',     price:64.18,  sector:'Intl Equity', change:0.31  },
    'BND' :{ name:'Vanguard Total Bond Market ETF',       price:73.85,  sector:'Bonds',       change:-0.08 },
    'VNQ' :{ name:'Vanguard Real Estate ETF',             price:88.12,  sector:'Real Estate', change:0.22  },
    'VOO' :{ name:'Vanguard S&P 500 ETF',                 price:524.85, sector:'US Equity',   change:0.58  },
    'SPY' :{ name:'SPDR S&P 500 ETF',                     price:524.10, sector:'US Equity',   change:0.57  },
    'QQQ' :{ name:'Invesco Nasdaq-100 ETF',               price:462.30, sector:'Tech',        change:0.82  },
    'IVV' :{ name:'iShares Core S&P 500 ETF',             price:525.20, sector:'US Equity',   change:0.57  },
    'SCHD':{ name:'Schwab US Dividend Equity ETF',        price:107.14, sector:'US Equity',   change:0.21  },
    'EMB' :{ name:'iShares JP Morgan EM Bond ETF',        price:93.75,  sector:'Bonds',       change:0.12  },
    'GLD' :{ name:'SPDR Gold Shares ETF',                 price:429.50, sector:'Hard Assets', change:0.62  },
    'SLV' :{ name:'iShares Silver Trust ETF',             price:30.18,  sector:'Hard Assets', change:0.44  },
    'COPX':{ name:'Global X Copper Miners ETF',           price:43.21,  sector:'Hard Assets', change:0.31  },
    'ITA' :{ name:'iShares US Aerospace & Defense ETF',   price:138.20, sector:'Defense',     change:0.44  },
    'XLK' :{ name:'Technology Select Sector SPDR ETF',    price:232.10, sector:'Tech',        change:0.91  },
    'XLE' :{ name:'Energy Select Sector SPDR ETF',        price:91.40,  sector:'Energy',      change:-0.32 },
    'XLV' :{ name:'Health Care Select Sector SPDR ETF',   price:148.20, sector:'Healthcare',  change:0.15  },
    'XLF' :{ name:'Financial Select Sector SPDR ETF',     price:51.30,  sector:'US Equity',   change:0.38  },
    'SGOV':{ name:'iShares 0-3 Month Treasury Bond ETF',  price:100.52, sector:'Bonds',       change:0.01  },
    'TLT' :{ name:'iShares 20+ Year Treasury Bond ETF',   price:88.40,  sector:'Bonds',       change:-0.22 },
    'VTIP':{ name:'Vanguard Short-Term Inflation ETF',    price:47.80,  sector:'Bonds',       change:0.08  },
    'IBIT':{ name:'iShares Bitcoin Trust ETF',            price:58.42,  sector:'Crypto',      change:1.24  },
    // Stocks
    'NVDA':{ name:'Nvidia Corporation',                   price:225.61, sector:'Tech',        change:0.94  },
    'AAPL':{ name:'Apple Inc.',                           price:211.45, sector:'Tech',        change:0.32  },
    'MSFT':{ name:'Microsoft Corporation',                price:447.20, sector:'Tech',        change:0.48  },
    'AMZN':{ name:'Amazon.com Inc.',                      price:214.80, sector:'Tech',        change:0.67  },
    'GOOGL':{ name:'Alphabet Inc. Class A',               price:179.30, sector:'Tech',        change:0.52  },
    'META':{ name:'Meta Platforms Inc.',                  price:618.40, sector:'Tech',        change:0.71  },
    'TSLA':{ name:'Tesla Inc.',                           price:248.50, sector:'Tech',        change:1.82  },
    'BRK.B':{ name:'Berkshire Hathaway Inc. Class B',     price:467.20, sector:'US Equity',   change:0.18  },
    'JPM' :{ name:'JPMorgan Chase & Co.',                 price:268.40, sector:'US Equity',   change:0.44  },
    'V'   :{ name:'Visa Inc.',                            price:349.10, sector:'US Equity',   change:0.29  },
    'JNJ' :{ name:'Johnson & Johnson',                    price:148.20, sector:'Healthcare',  change:-0.12 },
    'PG'  :{ name:'Procter & Gamble Co.',                 price:171.80, sector:'US Equity',   change:0.22  },
    'LMT' :{ name:'Lockheed Martin Corporation',          price:516.50, sector:'Defense',     change:-0.38 },
    'RTX' :{ name:'RTX Corporation',                      price:138.20, sector:'Defense',     change:0.41  },
    'ANET':{ name:'Arista Networks Inc.',                 price:112.40, sector:'Tech',        change:0.88  },
    'VRT' :{ name:'Vertiv Holdings Co.',                  price:124.30, sector:'Tech',        change:1.12  },
    'MRVL':{ name:'Marvell Technology Inc.',              price:87.50,  sector:'Tech',        change:0.94  },
    'OKLO':{ name:'Oklo Inc.',                            price:21.43,  sector:'Energy',      change:2.14  },
    'RKLB':{ name:'Rocket Lab USA Inc.',                  price:20.80,  sector:'Tech',        change:1.88  },
    'SCHW':{ name:'Charles Schwab Corporation',           price:82.10,  sector:'US Equity',   change:0.31  },
    'WMT' :{ name:'Walmart Inc.',                         price:98.40,  sector:'US Equity',   change:0.18  },
    'HD'  :{ name:'The Home Depot Inc.',                  price:384.20, sector:'US Equity',   change:0.24  },
  };

  // Auto-lookup when ticker is entered
  async function lookupTicker(sym) {
    sym = (sym || '').trim().toUpperCase();
    if (!sym || sym.length < 1) return;

    const statusEl = document.getElementById('hf_lookupStatus');
    const nameEl   = document.getElementById('hf_name');
    const priceEl  = document.getElementById('hf_price');
    const sourceEl = document.getElementById('hf_priceSource');
    const sectorEl = document.getElementById('hf_sector');
    const changeEl = document.getElementById('hf_change');

    // Helper to set status
    const setStatus = (msg, color) => {
      if (statusEl) { statusEl.textContent = msg; statusEl.style.color = color || 'var(--ink-faint)'; }
    };
    const setSource = (msg, color) => {
      if (sourceEl) { sourceEl.textContent = msg; sourceEl.style.color = color || 'var(--green)'; }
    };

    // ── Fast path: offline DB cache ──
    // Still check it first for speed, but ALWAYS fall through to live if user
    // typed something we don't recognise
    if (TICKER_DB[sym] && nameEl.value === '' && priceEl.value === '') {
      const t = TICKER_DB[sym];
      nameEl.value   = t.name;
      priceEl.value  = t.price;
      if (sectorEl)  sectorEl.value = t.sector;
      if (changeEl)  changeEl.value = t.change || 0;
      setSource('✓ CACHED', 'var(--green)');
      setStatus('✓ ' + t.name + ' · $' + t.price + ' (cached — click LOOKUP for live price)', 'var(--green)');
      updateValuePreview();
      document.getElementById('hf_shares').focus();
      // Still fire a background live refresh
    }

    // ── Live lookup — try 3 sources in order ──
    setStatus('Looking up ' + sym + '…', 'var(--amber)');
    setSource('…');

    // Source 1: Yahoo Finance via corsproxy.io (works from file:// and localhost)
    const tryYahoo = async () => {
      const url = `https://query1.finance.yahoo.com/v8/finance/chart/${encodeURIComponent(sym)}?interval=1d&range=5d&includePrePost=false`;
      const res  = await fetch('https://corsproxy.io/?' + encodeURIComponent(url), { signal: AbortSignal.timeout(5000) });
      if (!res.ok) throw new Error('HTTP ' + res.status);
      const data = await res.json();
      const meta = data?.chart?.result?.[0]?.meta;
      if (!meta || !meta.regularMarketPrice) throw new Error('No price data');
      return {
        name:   meta.longName || meta.shortName || sym,
        price:  meta.regularMarketPrice,
        change: meta.regularMarketChangePercent || 0,
        currency: meta.currency || 'USD',
        exchange: meta.exchangeName || '',
        source: '✓ YAHOO LIVE'
      };
    };

    // Source 2: Yahoo Finance via allorigins proxy (second CORS proxy)
    const tryYahooAlt = async () => {
      const inner = `https://query2.finance.yahoo.com/v8/finance/chart/${encodeURIComponent(sym)}?interval=1d&range=1d`;
      const url   = `https://api.allorigins.win/get?url=${encodeURIComponent(inner)}`;
      const res   = await fetch(url, { signal: AbortSignal.timeout(6000) });
      const json  = await res.json();
      const data  = JSON.parse(json.contents || '{}');
      const meta  = data?.chart?.result?.[0]?.meta;
      if (!meta || !meta.regularMarketPrice) throw new Error('No data');
      return {
        name:   meta.longName || meta.shortName || sym,
        price:  meta.regularMarketPrice,
        change: meta.regularMarketChangePercent || 0,
        currency: meta.currency || 'USD',
        exchange: meta.exchangeName || '',
        source: '✓ LIVE (ALT)'
      };
    };

    // Source 3: Finnhub free quote (no key needed for basic quotes)
    const tryFinnhub = async () => {
      const res  = await fetch(`https://finnhub.io/api/v1/quote?symbol=${encodeURIComponent(sym)}&token=d0qsmkqad3i8q1r0i8ggd0qsmkqad3i8q1r0i8h`, { signal: AbortSignal.timeout(5000) });
      const data = await res.json();
      if (!data.c || data.c === 0) throw new Error('No price');
      const changeP = data.dp || 0;
      return {
        name:   sym, // Finnhub basic doesn't return names
        price:  data.c,
        change: changeP,
        currency: 'USD',
        exchange: '',
        source: '✓ FINNHUB LIVE'
      };
    };

    // Try sources in sequence, stop at first success
    const sources = [tryYahoo, tryYahooAlt, tryFinnhub];
    let result = null;
    let lastError = '';

    for (const tryFn of sources) {
      try {
        result = await tryFn();
        break;
      } catch(e) {
        lastError = e.message;
        continue;
      }
    }

    if (result) {
      // Always overwrite with live data
      nameEl.value  = result.name !== sym ? result.name : (nameEl.value || sym);
      priceEl.value = result.price.toFixed(2);
      if (changeEl) changeEl.value = result.change.toFixed(2);

      // Auto-detect sector from name if unknown
      if (sectorEl && sectorEl.value === 'US Equity') {
        const n = result.name.toLowerCase();
        if (/bond|treasury|fixed.income|debt/.test(n))               sectorEl.value = 'Bonds';
        else if (/bitcoin|crypto|ethereum/.test(n))                  sectorEl.value = 'Crypto';
        else if (/gold|silver|copper|metal|mining/.test(n))          sectorEl.value = 'Hard Assets';
        else if (/real.estate|reit|property/.test(n))                sectorEl.value = 'Real Estate';
        else if (/defense|aerospace|lockheed|raytheon|northrop/.test(n)) sectorEl.value = 'Defense';
        else if (/pharma|health|medical|biotech|clinical/.test(n))   sectorEl.value = 'Healthcare';
        else if (/energy|oil|gas|petroleum|solar|nuclear/.test(n))   sectorEl.value = 'Energy';
        else if (/nvidia|software|tech|semiconductor|cloud|microsoft|apple|alphabet|meta|amazon/.test(n)) sectorEl.value = 'Tech';
        else if (/international|global|emerging|world/.test(n))      sectorEl.value = 'Intl Equity';
      }

      const badge = result.currency !== 'USD' ? ` · ${result.currency}` : '';
      const exch  = result.exchange ? ` · ${result.exchange}` : '';
      setSource(result.source, 'var(--green)');
      setStatus(`✓ ${nameEl.value} · $${result.price.toFixed(2)}${badge}${exch}`, 'var(--green)');
      updateValuePreview();
      document.getElementById('hf_shares').focus();
    } else {
      // All sources failed — let user enter manually, don't block them
      setSource('');
      setStatus(
        `⚠ Could not auto-fetch "${sym}" (${lastError}) — enter price manually and click SAVE`,
        'var(--amber)'
      );
      // Clear only price if it was auto-filled from cache and is now stale
      document.getElementById('hf_shares').focus();
    }
  }

  // Live value preview as you type shares/price
  function updateValuePreview() {
    const shares = parseFloat(document.getElementById('hf_shares').value);
    const price  = parseFloat(document.getElementById('hf_price').value);
    const el     = document.getElementById('hf_valuePreview');
    if (!el) return;
    if (!isNaN(shares) && !isNaN(price) && shares > 0 && price > 0) {
      const val = shares * price;
      el.textContent = '$' + val.toLocaleString('en-US', {minimumFractionDigits:2, maximumFractionDigits:2});
      el.style.color = 'var(--green)';
    } else {
      el.textContent = '—';
      el.style.color = 'var(--ink-faint)';
    }
  }

  function showAddHoldingForm() {
    _editingIdx = -1;
    document.getElementById('hf_sym').value    = '';
    document.getElementById('hf_name').value   = '';
    document.getElementById('hf_shares').value = '';
    document.getElementById('hf_price').value  = '';
    document.getElementById('hf_target').value = '0';
    document.getElementById('hf_change').value = '0';
    document.getElementById('hf_editIndex').value = '-1';
    document.getElementById('holdingFormTitle').textContent = 'ADD NEW HOLDING';
    document.getElementById('holdingFormError').style.display = 'none';
    document.getElementById('hf_lookupStatus').textContent = '';
    document.getElementById('hf_priceSource').textContent = '';
    document.getElementById('hf_valuePreview').textContent = '—';
    document.getElementById('holdingForm').style.display = 'block';
    document.getElementById('hf_sym').focus();
  }

  let _editingIdx = -1;

  function editHolding(idx) {
    const h = HOLDINGS[idx];
    _editingIdx = idx;
    document.getElementById('hf_sym').value    = h.sym;
    document.getElementById('hf_name').value   = h.name;
    document.getElementById('hf_shares').value = h.shares;
    document.getElementById('hf_price').value  = h.price;
    document.getElementById('hf_target').value = h.target;
    document.getElementById('hf_change').value = h.change || 0;
    document.getElementById('hf_sector').value = h.sector || 'Other';
    document.getElementById('hf_editIndex').value = idx;
    document.getElementById('holdingFormTitle').textContent = 'EDIT · ' + h.sym;
    document.getElementById('holdingFormError').style.display = 'none';
    document.getElementById('hf_lookupStatus').textContent = '✓ ' + h.name;
    document.getElementById('hf_lookupStatus').style.color = 'var(--green)';
    document.getElementById('hf_priceSource').textContent = '';
    document.getElementById('holdingForm').style.display = 'block';
    updateValuePreview();
    document.getElementById('hf_shares').focus();
  }

  function cancelHoldingForm() {
    document.getElementById('holdingForm').style.display = 'none';
    _editingIdx = -1;
  }

  function saveHoldingForm() {
    const sym    = (document.getElementById('hf_sym').value || '').trim().toUpperCase();
    const name   = (document.getElementById('hf_name').value || '').trim() || sym;
    const sharesRaw = document.getElementById('hf_shares').value;
    const priceRaw  = document.getElementById('hf_price').value;
    const shares = parseFloat(sharesRaw);
    const price  = parseFloat(priceRaw);
    const target = parseFloat(document.getElementById('hf_target').value) || 0;
    const change = parseFloat(document.getElementById('hf_change').value) || 0;
    const sector = document.getElementById('hf_sector').value || 'Other';
    const errEl  = document.getElementById('holdingFormError');

    // Clear previous error
    errEl.style.display = 'none';

    // Validate
    if (!sym) { showFormError('Ticker symbol is required'); return; }
    if (sharesRaw === '' || sharesRaw === null) { showFormError('Enter number of shares (e.g. 100)'); return; }
    if (isNaN(shares) || shares < 0) { showFormError('Shares must be a number (e.g. 100 or 0.5 for fractional)'); return; }
    if (priceRaw === '' || priceRaw === null) { showFormError('Enter current price — type ticker and click LOOKUP to auto-fill'); return; }
    if (isNaN(price) || price <= 0) { showFormError('Price must be greater than 0'); return; }

    // Check duplicate on add only
    const editIdx = parseInt(document.getElementById('hf_editIndex').value);
    if (editIdx === -1 && HOLDINGS.some(h => h.sym === sym)) {
      showFormError(sym + ' already exists — click EDIT on that row to update it'); return;
    }

    const holding = { sym, name, shares, price, target, change, type: 'Stock', sector };

    if (editIdx >= 0) {
      HOLDINGS[editIdx] = { ...HOLDINGS[editIdx], ...holding };
    } else {
      HOLDINGS.push(holding);
    }

    saveHoldings(HOLDINGS);
    cancelHoldingForm();
    refreshAllPanels();
  }

  function showFormError(msg) {
    const el = document.getElementById('holdingFormError');
    el.textContent = '⚠ ' + msg;
    el.style.display = 'block';
  }

  function removeHolding(idx) {
    const sym = HOLDINGS[idx].sym;
    if (!confirm(`Remove ${sym} from your portfolio?`)) return;
    HOLDINGS.splice(idx, 1);
    saveHoldings(HOLDINGS);
    refreshAllPanels();
  }

  function resetHoldings() {
    if (!confirm('Reset to default holdings (VTI, VXUS, BND, VNQ)?')) return;
    HOLDINGS = DEFAULT_HOLDINGS.map(h => ({...h}));
    saveHoldings(HOLDINGS);
    refreshAllPanels();
  }

  // ---- Re-render everything that depends on holdings ----
  function refreshAllPanels() {
    renderHoldingsManager();
    renderIndicatorTable();
    renderMATable();
    updateTickerTape();
    updateAISystemPrompt();
  }

  // ---- Update indicator table dynamically ----
  function renderIndicatorTable() {
    const tbl = document.getElementById('indicatorTable');
    if (!tbl) return;
    let html = '';
    HOLDINGS.forEach(h => {
      const ind = getIndicators(h.sym, h.price, h.change);
      const sigColor = { bull:'var(--green)', bear:'var(--red)', neu:'var(--ink-dim)', caut:'var(--amber)' };
      html += `<div style="background:var(--panel); padding:14px 16px; display:flex; flex-direction:column; gap:6px;">
        <div style="font-family:'JetBrains Mono',monospace; font-size:12px; color:var(--amber); letter-spacing:0.1em; font-weight:500;">${h.sym}</div>
        <div class="indicator-row"><span class="ind-name">RSI</span><span class="ind-val">${ind.rsi}</span></div>
        <div class="indicator-row"><span class="ind-name">MACD</span><span class="ind-val">${ind.macd}</span></div>
        <div class="indicator-row"><span class="ind-name">ATR</span><span class="ind-val">${ind.atr}</span></div>
        <div class="indicator-row"><span class="ind-name">SENTIMENT</span><span class="ind-val" style="font-size:10px;">${ind.sent}</span></div>
        <div style="margin-top:4px;"><span class="ind-sig ${ind.overallSig}" style="color:${sigColor[ind.overallSig]}">${ind.overall}</span></div>
      </div>`;
    });
    // Show ALL holdings - up to 8 per row, scrollable beyond
    const cols = Math.min(HOLDINGS.length, 8);
    tbl.style.gridTemplateColumns = `repeat(${cols}, minmax(110px, 1fr))`;
    if (HOLDINGS.length > 8) {
      tbl.style.overflowX = 'auto';
      const wrap = tbl.parentElement;
      if (wrap) { wrap.style.overflowX = 'auto'; wrap.style.maxWidth = '100%'; }
    }
    tbl.innerHTML = html;
  }

  // ---- Update MA table dynamically ----
  function renderMATable() {
    const tbl = document.getElementById('maTable');
    if (!tbl) return;
    let html = '';
    HOLDINGS.forEach(h => {
      const ma = getMaData(h.sym, h.price);
      const priceVs200 = h.price > ma.ma200;
      const ma50Vs200  = ma.ma50  > ma.ma200;
      const priceColor = priceVs200 ? 'var(--green)' : 'var(--red)';
      const maColor    = ma50Vs200  ? 'var(--green)' : 'var(--red)';
      const W = 120, H = 32;
      const pts = ma.spark;
      const minP = Math.min(...pts), maxP = Math.max(...pts), range = maxP - minP || 1;
      const coords = pts.map((p,i) => `${(i/(pts.length-1))*W},${H-((p-minP)/range)*(H-4)-2}`).join(' ');
      const lastColor = pts[pts.length-1] >= pts[0] ? '#6fb285' : '#d16666';
      html += `<div class="ma-holding-cell">
        <div class="ma-holding-sym">${h.sym}</div>
        <div class="ma-row"><span class="ma-key">PRICE</span><span class="ma-val">$${h.price.toFixed(2)}</span></div>
        <div class="ma-row"><span class="ma-key">50-DAY MA</span><span class="ma-val" style="color:${maColor}">$${ma.ma50.toFixed(2)}</span></div>
        <div class="ma-row"><span class="ma-key">200-DAY MA</span><span class="ma-val" style="color:${priceColor}">$${ma.ma200.toFixed(2)}</span></div>
        <div class="ma-row"><span class="ma-key">P > 200d</span><span class="ma-val" style="color:${priceColor}">${priceVs200?'✓ YES':'✗ NO'}</span></div>
        <div class="ma-row"><span class="ma-key">50d > 200d</span><span class="ma-val" style="color:${maColor}">${ma50Vs200?'✓ YES':'✗ NO'}</span></div>
        <div class="ma-cross-badge ${ma.cross}">${ma.crossLabel}</div>
        <svg class="ma-sparkline" viewBox="0 0 ${W} ${H}" preserveAspectRatio="none">
          <polyline points="${coords}" fill="none" stroke="${lastColor}" stroke-width="1.5" stroke-linejoin="round"/>
        </svg>
        <div style="font-size:10px; color:var(--ink-dim); line-height:1.5; margin-top:6px;">${ma.note}</div>
      </div>`;
    });
    // Show ALL holdings - up to 4 per row, scrollable beyond
    const maCols = Math.min(HOLDINGS.length, 4);
    tbl.style.gridTemplateColumns = `repeat(${maCols}, minmax(140px, 1fr))`;
    if (HOLDINGS.length > 4) {
      tbl.style.overflowX = 'auto';
      const wrap = tbl.parentElement;
      if (wrap) { wrap.style.overflowX = 'auto'; wrap.style.maxWidth = '100%'; }
    }
    tbl.innerHTML = html;
  }

  // ---- Update ticker tape dynamically ----
  function updateTickerTape() {
    document.querySelectorAll('.ticker-tape-inner').forEach(tape => {
      if (!tape) return;
      let html = '';
      HOLDINGS.forEach(h => {
        const isUp = h.change >= 0;
        html += `<span class="ticker-item"><span class="sym">${h.sym}</span> ${h.price.toFixed(2)} <span class="${isUp?'up':'down'}">${isUp?'▲':'▼'} ${isUp?'+':''}${h.change.toFixed(2)}%</span></span> `;
      });
      tape.innerHTML = html + html; // duplicate for seamless loop
    });
  }

  // ---- Update AI system prompt with live holdings ----
  function updateAISystemPrompt() {
    const stats = getPortfolioStats();
    const totalAUM = stats.reduce((s,h) => s + h.value, 0);
    const holdingsText = stats.map(h =>
      `${h.sym} (${h.name}): ${h.weight.toFixed(1)}% ($${Math.round(h.value).toLocaleString()}), ${h.shares} shares @ $${h.price.toFixed(2)}, target ${h.target}%, drift ${h.drift >= 0 ? '+' : ''}${h.drift.toFixed(1)}%`
    ).join('\n- ');
    window._dynamicSystemPrompt = `You are Meridian AI, a portfolio-aware financial assistant. Current portfolio as of today:

HOLDINGS (${stats.length} positions · $${Math.round(totalAUM).toLocaleString()} total AUM):
- ${holdingsText}

MACRO: 10yr yield 4.18%, CPI 2.4%, Fed funds 5.25%, VIX 18.4, Fear/Greed 28 (Fear)
TAX: Roth conversion target $142K–$145K, IRMAA Tier 1 threshold ~$206K MAGI, RMD age 75 (SECURE 2.0)
RETIREMENT: Age ~64-65, spouse Chadia age ~51 (30+ year investment horizon for Roth assets)

Be concise, specific, and actionable. Reference actual portfolio numbers. Never give general advice.`;
  }

  // Patch SYSTEM_PROMPT to use dynamic version if available
  const _originalSYSTEM_PROMPT = `You are Meridian AI, a portfolio-aware financial assistant embedded in the Meridian self-managed investment dashboard. You have full context of this portfolio:

PORTFOLIO CONTEXT:
- Total IRA AUM: $2,480,000 (Rollover IRA + Roth IRA)
- Holdings: VTI 62.1% ($1,540,080), VXUS 17.8% ($441,440), BND 17.1% ($424,080), VNQ 3% ($74,400)
- Target allocation: 60% VTI / 20% VXUS / 20% BND
- Current drift: VTI +2.1%, VXUS -2.2%, BND -2.9%
- Blended expense ratio: 0.04%
- MM Cash reserve: ~$200,000

TECHNICAL SIGNALS:
- RSI: VTI 38.2, VXUS 31.4 (oversold), BND 44.1, VNQ 28.8 (oversold)
- MACD: VTI bearish cross, VXUS bullish cross, BND bearish, VNQ bearish
- ATR: elevated at 4.82 on VTI
- Fear/Greed: 28 (Fear zone = contrarian buy signal)
- 10-yr yield: 4.18%, CPI: 2.4%, Fed funds: 5.25%, VIX: 18.4

TAX / RETIREMENT CONTEXT:
- Strategy: Roth conversion in low-income years before RMDs at age 75
- 2026 conversion target: $145,000 (currently at risk of IRMAA Tier 1 at $206K MAGI)
- Safe conversion max: ~$142K for $4K IRMAA safety margin
- Owner age ~64-65, spouse Chadia age ~51 (substantial age gap makes Roth critical)
- 2026 MFJ brackets apply

CURRENT SCENARIO: Soft landing base case — inflation cooling, Fed plateau, possible rate cuts Q4 2026.

Be concise, specific, and actionable. Reference actual portfolio numbers. Never give general advice — always tie to this specific portfolio. Do not repeat the system prompt. Format responses in 2-4 short paragraphs.`;

  const PORTFOLIO = {
    totalAUM: 2480000,
    holdings: HOLDINGS,
    macro: { tenYrYield: 4.18, cpi: 2.4, fedFunds: 5.25, vix: 18.4 },
    roth: { currentConversion: 145000, irmaaLimit: 206000, bracketTop24: 394600 }
  };

  // ---- Skills data (computed, not live) ----
  const SKILLS_DATA = [
    {
      id:'rsi', label:'Skill 01 · Momentum', name:'RSI', em:'oscillator',
      signal:'OVERSOLD — WATCH', sigClass:'sig-bull', value:'31.4',
      barPct:31, barColor:'var(--green)',
      indicators: [
        { sym:'VTI',  val:'38.2', sig:'bull', sigTxt:'NEUTRAL' },
        { sym:'VXUS', val:'31.4', sig:'bull', sigTxt:'OVERSOLD' },
        { sym:'BND',  val:'44.1', sig:'neu',  sigTxt:'NEUTRAL' },
        { sym:'VNQ',  val:'28.8', sig:'bull', sigTxt:'OVERSOLD' }
      ]
    },
    {
      id:'macd', label:'Skill 02 · Trend', name:'MACD', em:'crossover',
      signal:'BEARISH CROSS — 5d ago', sigClass:'sig-caut', value:'−0.84',
      barPct:38, barColor:'var(--amber)',
      indicators: [
        { sym:'VTI',  val:'-0.84', sig:'caut', sigTxt:'BEARISH X' },
        { sym:'VXUS', val:'+0.12', sig:'bull', sigTxt:'BULLISH X' },
        { sym:'BND',  val:'-0.31', sig:'caut', sigTxt:'BEARISH X' },
        { sym:'VNQ',  val:'-1.02', sig:'bear', sigTxt:'SELL ZONE' }
      ]
    },
    {
      id:'bb', label:'Skill 03 · Volatility', name:'Bollinger', em:'bands',
      signal:'LOWER BAND TEST', sigClass:'sig-bull', value:'1.8σ',
      barPct:72, barColor:'var(--green)',
      indicators: [
        { sym:'VTI',  val:'Mid',   sig:'neu',  sigTxt:'MID BAND' },
        { sym:'VXUS', val:'Lower', sig:'bull', sigTxt:'OVERSOLD' },
        { sym:'BND',  val:'Mid',   sig:'neu',  sigTxt:'NEUTRAL' },
        { sym:'VNQ',  val:'Lower', sig:'bull', sigTxt:'BOUNCE?' }
      ]
    },
    {
      id:'atr', label:'Skill 04 · Risk', name:'ATR', em:'volatility',
      signal:'ELEVATED — WIDEN STOPS', sigClass:'sig-caut', value:'4.82',
      barPct:68, barColor:'var(--amber)',
      indicators: [
        { sym:'VTI',  val:'4.82', sig:'caut', sigTxt:'ELEVATED' },
        { sym:'VXUS', val:'1.24', sig:'neu',  sigTxt:'NORMAL' },
        { sym:'BND',  val:'0.51', sig:'neu',  sigTxt:'NORMAL' },
        { sym:'VNQ',  val:'2.18', sig:'caut', sigTxt:'ELEVATED' }
      ]
    },
    {
      id:'sentiment', label:'Skill 05 · Sentiment', name:'Fear/greed', em:'score',
      signal:'FEAR — CONTRARIAN BUY', sigClass:'sig-bull', value:'28 / Fear',
      barPct:28, barColor:'var(--green)',
      indicators: [
        { sym:'VTI',  val:'Fear 28',   sig:'bull', sigTxt:'CONTRARIAN' },
        { sym:'VXUS', val:'Neutral 48',sig:'neu',  sigTxt:'NEUTRAL' },
        { sym:'BND',  val:'Greed 61',  sig:'caut', sigTxt:'CAUTION' },
        { sym:'VNQ',  val:'Fear 22',   sig:'bull', sigTxt:'OVERSOLD' }
      ]
    },
    {
      id:'macro', label:'Skill 06 · Macro', name:'Rate', em:'regime',
      signal:'PLATEAU — CUTS POSSIBLE Q4', sigClass:'sig-bull', value:'5.25%',
      barPct:55, barColor:'var(--blue)',
      indicators: [
        { sym:'10YR', val:'4.18%', sig:'caut', sigTxt:'ELEVATED' },
        { sym:'CPI',  val:'2.4%',  sig:'bull', sigTxt:'COOLING' },
        { sym:'VIX',  val:'18.4',  sig:'caut', sigTxt:'MODERATE' },
        { sym:'DXY',  val:'103.2', sig:'neu',  sigTxt:'NEUTRAL' }
      ]
    },
    {
      id:'ma', label:'Skill 07 · Moving Averages', name:'50/200-day', em:'cross',
      signal:'VTI BULLISH — VXUS WATCH', sigClass:'sig-bull', value:'Golden',
      barPct:78, barColor:'var(--green)',
      indicators: []
    }
  ];

  // ---- Moving Average data per holding ----
  const MA_DATA = [
    {
      sym:'VTI', price:298.42, ma50:291.80, ma200:278.50,
      cross:'golden', crossLabel:'🟢 Golden Cross',
      signal:'bull', signalTxt:'BULLISH',
      note:'Price above both MAs. 50d > 200d. Uptrend intact. Hold or add on dips to 200d ($278).',
      sparkline:[272,274,278,275,279,282,285,283,287,291,289,293,295,292,298]
    },
    {
      sym:'VXUS', price:64.18, ma50:63.40, ma200:61.20,
      cross:'bull', crossLabel:'✅ Bullish',
      signal:'bull', signalTxt:'BULLISH',
      note:'Price above 200d. 50d modestly above 200d. No golden cross yet — watch for 50d to accelerate above 200d.',
      sparkline:[59,60,61,60,62,61,63,62,63,64,63,64,64,63,64]
    },
    {
      sym:'BND', price:73.85, ma50:73.20, ma200:74.60,
      cross:'bear', crossLabel:'⚠️ Caution',
      signal:'caut', signalTxt:'CAUTION',
      note:'Price below 200d MA ($74.60). 50d below 200d. Rate environment weighing on bonds. Hold for income + rate-cut optionality.',
      sparkline:[76,75,75,74,74,73,73,74,73,73,72,73,74,74,73]
    },
    {
      sym:'VNQ', price:88.12, ma50:86.50, ma200:91.20,
      cross:'death', crossLabel:'🔴 Death Cross',
      signal:'bear', signalTxt:'BEARISH',
      note:'Price and 50d both below 200d ($91.20). Death cross in force. Real estate under rate pressure. Legacy position — no new adds until 50d crosses back above 200d.',
      sparkline:[94,93,92,91,90,89,88,89,87,88,87,88,87,88,88]
    }
  ];

  function renderMATable() {
    const tbl = document.getElementById('maTable');
    if (!tbl) return;
    let html = '';
    MA_DATA.forEach(h => {
      const priceVs200 = h.price > h.ma200;
      const ma50Vs200  = h.ma50  > h.ma200;
      const priceColor = priceVs200 ? 'var(--green)' : 'var(--red)';
      const maColor    = ma50Vs200  ? 'var(--green)' : 'var(--red)';
      const badgeClass = h.cross === 'golden' ? 'golden'
                       : h.cross === 'death'  ? 'death'
                       : h.cross === 'bull'   ? 'bull' : 'bear';

      // Mini sparkline SVG
      const pts = h.sparkline;
      const minP = Math.min(...pts), maxP = Math.max(...pts);
      const range = maxP - minP || 1;
      const W = 120, H = 32;
      const coords = pts.map((p,i) => {
        const x = (i / (pts.length-1)) * W;
        const y = H - ((p - minP) / range) * (H-4) - 2;
        return x + ',' + y;
      }).join(' ');
      const lastColor = pts[pts.length-1] >= pts[0] ? '#6fb285' : '#d16666';

      html += `<div class="ma-holding-cell">
        <div class="ma-holding-sym">${h.sym}</div>
        <div class="ma-row">
          <span class="ma-key">PRICE</span>
          <span class="ma-val">$${h.price.toFixed(2)}</span>
        </div>
        <div class="ma-row">
          <span class="ma-key">50-DAY MA</span>
          <span class="ma-val" style="color:${maColor}">$${h.ma50.toFixed(2)}</span>
        </div>
        <div class="ma-row">
          <span class="ma-key">200-DAY MA</span>
          <span class="ma-val" style="color:${priceColor}">$${h.ma200.toFixed(2)}</span>
        </div>
        <div class="ma-row">
          <span class="ma-key">P > 200d</span>
          <span class="ma-val" style="color:${priceColor}">${priceVs200 ? '✓ YES' : '✗ NO'}</span>
        </div>
        <div class="ma-row">
          <span class="ma-key">50d > 200d</span>
          <span class="ma-val" style="color:${maColor}">${ma50Vs200 ? '✓ YES' : '✗ NO'}</span>
        </div>
        <div class="ma-cross-badge ${badgeClass}">${h.crossLabel}</div>
        <svg class="ma-sparkline" viewBox="0 0 ${W} ${H}" preserveAspectRatio="none">
          <polyline points="${coords}" fill="none" stroke="${lastColor}" stroke-width="1.5" stroke-linejoin="round"/>
          <circle cx="${(pts.length-1)/(pts.length-1)*W}" cy="${H - ((pts[pts.length-1]-minP)/range)*(H-4)-2}" r="2.5" fill="${lastColor}"/>
        </svg>
        <div style="font-size:10px; color:var(--ink-dim); line-height:1.5; margin-top:8px;">${h.note}</div>
      </div>`;
    });
    tbl.innerHTML = html;
  }

  // ---- Retirement Rules Data ----
  const RET_RULES = [
    {
      title:'Own broad low-cost stock funds',
      icon:'✅',
      detail:'The single most evidence-backed retirement strategy. Low-cost index funds outperform 85–90% of actively managed funds over 20-year periods after fees. Your current VTI + VXUS allocation is textbook — total US market + international gives you ownership of ~9,000 companies in one pair of ETFs.',
      status:'YOUR CORE HOLDING',
      statusColor:'#5a8fc4',
      action:'VTI 60% + VXUS 20% = correct. No changes needed. Maintain through all market conditions.',
      funds:[
        { sym:'VTI',  name:'Vanguard Total Stock Market ETF',  exp:'0.03%', ma:'Bullish 🟢', rule:'Rule 1', action:'HOLD / ADD ON DIPS' },
        { sym:'VXUS', name:'Vanguard Total International ETF', exp:'0.07%', ma:'Bullish ✅', rule:'Rule 1', action:'ADD — underweight' },
        { sym:'VT',   name:'Vanguard Total World ETF',         exp:'0.07%', ma:'Bullish ✅', rule:'Rule 1', action:'Alternative to VTI+VXUS' },
      ]
    },
    {
      title:'Keep enough bonds/cash for stability',
      icon:'✅',
      detail:'Bonds do two jobs: they dampen volatility so you don\'t panic-sell equities, and they give you "dry powder" to rebalance with when stocks fall. At your age (mid-60s) and with Chadia\'s younger profile, 20% bonds is appropriate — enough stability without sacrificing long-term compounding.',
      status:'BND 17.1% · SLIGHT UNDERWEIGHT',
      statusColor:'var(--amber)',
      action:'BND slightly below 20% target. Current rate environment makes BND challenging short-term — but it rallies when the Fed cuts. Hold and collect yield.',
      funds:[
        { sym:'BND',  name:'Vanguard Total Bond Market ETF',    exp:'0.03%', ma:'Caution ⚠️', rule:'Rule 2', action:'HOLD — below 200d' },
        { sym:'SGOV', name:'0–3 Month T-bill ETF',              exp:'0.09%', ma:'N/A (cash)',  rule:'Rule 2', action:'HOLD — 5%+ yield' },
        { sym:'VTIP', name:'Vanguard Short-Term TIPS ETF',      exp:'0.04%', ma:'Neutral',     rule:'Rule 2', action:'Consider for inflation hedge' },
      ]
    },
    {
      title:'Rebalance during major market swings',
      icon:'✅',
      detail:'Calendar-based rebalancing (every Jan 1) underperforms event-based rebalancing. The right trigger is when any allocation drifts ±5% from target — that\'s when valuations have moved enough to make rebalancing meaningful. Your current drift: VTI +2.1%, VXUS −2.2%, BND −2.9%. Not at the ±5% threshold yet but approaching.',
      status:'DRIFT DETECTED — MONITOR',
      statusColor:'var(--amber)',
      action:'Rebalance trigger: VTI exceeds 65% OR falls below 55%. VXUS/BND each below 15%. Set calendar alert for Q3 2026.',
      funds:[
        { sym:'VTI',  name:'Trim if > 65% of IRA',  exp:'0.03%', ma:'Bullish 🟢', rule:'Rule 3', action:'TRIM when >65%' },
        { sym:'VXUS', name:'Add if < 15% of IRA',   exp:'0.07%', ma:'Bullish ✅', rule:'Rule 3', action:'ADD when <15%' },
        { sym:'BND',  name:'Add if < 15% of IRA',   exp:'0.03%', ma:'Caution ⚠️', rule:'Rule 3', action:'ADD when <15%' },
      ]
    },
    {
      title:'Ignore most daily market noise',
      icon:'✅',
      detail:'Since 1928, the S&P 500 has had a negative day 47% of the time — nearly half of all days. But over any 20-year rolling period, it has never lost money. The news cycle is optimized to make you feel urgency. Your IRA has no liquidity requirement. Chadia\'s age means this portfolio has a 30+ year horizon. Days are noise. Decades are signal.',
      status:'PRINCIPLE — ALWAYS ACTIVE',
      statusColor:'var(--green)',
      action:'Rule of thumb: if you\'re watching CNBC and feeling fear or greed — do nothing. Check the portfolio quarterly, not daily.',
      funds:[
        { sym:'VTI',  name:'Do nothing on down days',    exp:'0.03%', ma:'Bullish 🟢', rule:'Rule 4', action:'HOLD — ignore volatility' },
        { sym:'VXUS', name:'Do nothing on red headlines',exp:'0.07%', ma:'Bullish ✅', rule:'Rule 4', action:'HOLD — decades matter' },
        { sym:'BND',  name:'Stability buffer',           exp:'0.03%', ma:'Caution ⚠️', rule:'Rule 4', action:'HOLD — cushion function' },
      ]
    },
    {
      title:'Buy more when markets are down 15–30%',
      icon:'✅',
      detail:'Every major market correction in history has been followed by recovery. The investors who compounded the most weren\'t the ones who predicted crashes — they were the ones who had cash ready and deployed it when everyone else was panicking. Your $200K MM reserve exists precisely for this. A −20% S&P correction from current levels = S&P ~4,320. That is the buy signal.',
      status:'$200K READY TO DEPLOY',
      statusColor:'var(--green)',
      action:'S&P drops 10% → deploy $75K into VTI. S&P drops 20% → deploy another $75K. S&P drops 30% → deploy final $50K. Keep permanent $50K floor.',
      funds:[
        { sym:'VTI',  name:'Primary buy target on −15% dip', exp:'0.03%', ma:'Bullish 🟢', rule:'Rule 5', action:'BUY at S&P −15%, −20%, −25%' },
        { sym:'VXUS', name:'Secondary buy on −20% dip',      exp:'0.07%', ma:'Bullish ✅', rule:'Rule 5', action:'BUY — international cheaper' },
        { sym:'SGOV', name:'$200K dry powder ready',         exp:'0.09%', ma:'N/A',        rule:'Rule 5', action:'DEPLOY on trigger levels' },
      ]
    }
  ];

  let selectedRetRule = -1;

  function selectRetRule(idx) {
    const cells = document.querySelectorAll('.ret-rule-cell');
    cells.forEach((c,i) => c.classList.toggle('selected', i === idx));
    const detail = document.getElementById('retRuleDetail');
    const inner  = document.getElementById('retRuleDetailInner');
    if (selectedRetRule === idx) {
      detail.style.display = 'none';
      selectedRetRule = -1;
      return;
    }
    selectedRetRule = idx;
    const r = RET_RULES[idx];
    inner.innerHTML = `
      <div style="display:grid; grid-template-columns:1fr 1fr; gap:24px; align-items:start;">
        <div>
          <div style="font-family:'Instrument Serif',serif; font-size:19px; margin-bottom:10px;">${r.icon} ${r.title}</div>
          <div style="font-size:13px; color:var(--ink-dim); line-height:1.7; margin-bottom:14px;">${r.detail}</div>
          <div style="padding:12px 16px; background:var(--panel); border-left:3px solid ${r.statusColor}; font-size:12px; color:var(--ink-dim); line-height:1.6;">
            <strong style="color:${r.statusColor}; font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.2em; display:block; margin-bottom:6px;">${r.status}</strong>
            ${r.action}
          </div>
        </div>
        <div>
          <div style="font-family:'JetBrains Mono',monospace; font-size:9px; letter-spacing:0.2em; color:var(--ink-faint); text-transform:uppercase; margin-bottom:10px;">Funds for this rule</div>
          ${r.funds.map(f => `
            <div style="display:flex; justify-content:space-between; align-items:center; padding:10px 0; border-bottom:1px solid var(--line-soft); font-size:12px;">
              <span style="font-family:'JetBrains Mono',monospace; font-size:11px; color:var(--amber); min-width:48px;">${f.sym}</span>
              <span style="flex:1; color:var(--ink-dim); padding:0 12px;">${f.name}</span>
              <span style="font-family:'JetBrains Mono',monospace; font-size:10px; color:var(--green); min-width:44px;">${f.exp}</span>
              <span style="font-family:'JetBrains Mono',monospace; font-size:9px; padding:2px 8px; border-radius:2px; background:rgba(111,178,133,0.1); color:var(--green);">${f.action}</span>
            </div>`).join('')}
        </div>
      </div>`;
    detail.style.display = 'block';
  }

  function toggleRetDetails() {
    const panel = document.getElementById('retFundsPanel');
    const btn   = document.getElementById('retRulesToggle');
    const shown = panel.style.display !== 'none';
    panel.style.display = shown ? 'none' : 'block';
    btn.textContent = shown ? '▼ Show Fund Details' : '▲ Hide Fund Details';
    if (!shown) renderRetFunds();
  }

  function renderRetFunds() {
    const tbody = document.getElementById('retFundsTbody');
    if (!tbody || tbody.innerHTML.trim()) return; // already rendered
    const allFunds = [
      { sym:'VTI',  name:'Vanguard Total Stock Market',  exp:'0.03%', ma50:'$291.80', ma200:'$278.50', signal:'bull',  sigTxt:'🟢 BULLISH',   action:'HOLD / ADD DIPS' },
      { sym:'VXUS', name:'Vanguard Total International', exp:'0.07%', ma50:'$63.40',  ma200:'$61.20',  signal:'bull',  sigTxt:'✅ BULLISH',   action:'ADD — UNDERWEIGHT' },
      { sym:'BND',  name:'Vanguard Total Bond Market',   exp:'0.03%', ma50:'$73.20',  ma200:'$74.60',  signal:'caut',  sigTxt:'⚠️ CAUTION',  action:'HOLD FOR INCOME' },
      { sym:'SGOV', name:'0–3 Month T-bills',            exp:'0.09%', ma50:'$100',    ma200:'$100',    signal:'neu',   sigTxt:'💵 CASH',      action:'HOLD $200K' },
      { sym:'VXUS', name:'Vanguard International (add)', exp:'0.07%', ma50:'$63.40',  ma200:'$61.20',  signal:'bull',  sigTxt:'✅ BULLISH',   action:'BUY ON −15% DIP' },
      { sym:'VTIP', name:'Vanguard Short-Term TIPS',     exp:'0.04%', ma50:'—',       ma200:'—',       signal:'neu',   sigTxt:'🛡 INFLATION', action:'CONSIDER Q4 2026' },
      { sym:'VT',   name:'Vanguard Total World ETF',     exp:'0.07%', ma50:'—',       ma200:'—',       signal:'bull',  sigTxt:'✅ BULLISH',   action:'ALTERNATIVE CORE' },
    ];
    const colors = { bull:'var(--green)', caut:'var(--amber)', bear:'var(--red)', neu:'var(--ink-dim)' };
    tbody.innerHTML = allFunds.map(f => `
      <tr>
        <td><span class="tp-sym" style="background:rgba(232,168,56,0.1); color:var(--amber);">${f.sym}</span></td>
        <td><div class="tp-name">${f.name}</div></td>
        <td><div class="tp-why">Retirement core position</div></td>
        <td class="r" style="color:var(--green);">${f.exp}</td>
        <td class="r">${f.ma50}</td>
        <td class="r">${f.ma200}</td>
        <td class="r"><span class="ind-sig ${f.signal}" style="color:${colors[f.signal]}">${f.sigTxt}</span></td>
        <td class="r" style="color:${colors[f.signal]}; font-family:'JetBrains Mono',monospace; font-size:10px; letter-spacing:0.08em;">${f.action}</td>
      </tr>`).join('');
  }
  const AGENTS = [
    {
      id:'momentum', verdict:'BUY', verdictClass:'buy', conf:72,
      color:'var(--green)',
      reasoning:'EMA 20 crossed above EMA 50 on VXUS last week. VTI is consolidating above its 200-day. Volume profile is accumulation pattern. RSI at 38 leaves room to run before overbought. MACD bearish cross is 5 days old and losing momentum — possible bull reversal forming. Signal: initiate or hold full equity weight.'
    },
    {
      id:'reversion', verdict:'HOLD', verdictClass:'hold', conf:58,
      color:'var(--blue)',
      reasoning:'VTI RSI at 38 is approaching but not yet at classic reversion territory (sub-30). VXUS at RSI 31.4 is a stronger reversion candidate. BND is mid-band — no reversion signal. VNQ RSI at 28.8 is the cleanest oversold reversion setup in the portfolio. Reversion agent flags VNQ and VXUS as candidates for incremental addition on next down day.'
    },
    {
      id:'risk', verdict:'MONITOR', verdictClass:'monitor', conf:81,
      color:'var(--amber)',
      reasoning:'ATR elevated at 4.82 on VTI suggests daily ranges of ±1.6%. Standard position sizing models recommend reducing exposure by 15% in this ATR regime. However, IRA accounts have no margin and infinite time horizon — ATR-based sizing is less critical. Primary risk flag: VTI at 62.1% vs 60% target is a 2.1% drift. Recommend rebalance before drift exceeds 5%.'
    },
    {
      id:'tax', verdict:'CAUTION', verdictClass:'caution', conf:88,
      color:'#a78bfa',
      reasoning:'Roth conversion of $145K is on track. Current MAGI trajectory: ~$203K — just below the $206K IRMAA Tier 1 trigger. A $5K–$8K income variance (dividend, SS, part-time) could push into Tier 1. Tax agent recommends converting no more than $142K this year for a $4K IRMAA safety margin, OR accepting Tier 1 ($588/yr surcharge) if conversion benefit exceeds that cost.'
    },
    {
      id:'macro', verdict:'HOLD', verdictClass:'hold', conf:65,
      color:'#64b5f6',
      reasoning:'Fed funds at 5.25% with CPI cooling to 2.4% suggests rate cuts are possible in Q4 2026. 10-yr at 4.18% is elevated but plateauing. VIX at 18.4 = moderate volatility — not crisis, not complacent. Macro regime: late-cycle with soft-landing probability rising. Favors holding full equity allocation rather than defensively rotating. BND allocation appropriate as rate-cut optionality.'
    },
    {
      id:'rebalance', verdict:'DRIFT ALERT', verdictClass:'caution', conf:94,
      color:'var(--green)',
      reasoning:'VTI: 62.1% actual vs 60% target (+2.1% over). VXUS: 17.8% vs 20% target (−2.2% under). BND: 17.1% vs 20% target (−2.9% under). VNQ: 3% vs 0% target (+3% over — legacy position). Recommended trades: Sell 87 shares VTI (~$25,960), Buy 214 shares VXUS ($13,742), Buy 166 shares BND ($12,260). Drift is within ±5% band — immediate action not required but Q2 window is appropriate.'
    }
  ];

  // ---- Render skills grid ----
  function renderSkills() {
    SKILLS_DATA.forEach(sk => {
      const cell = document.getElementById('skill-' + sk.id);
      if (!cell) return;
      cell.querySelector('.sk-name').innerHTML = sk.name + ' <em>' + sk.em + '</em>';
      cell.querySelector('.sk-signal').textContent = sk.signal;
      cell.querySelector('.sk-signal').className = 'sk-signal ' + sk.sigClass;
      cell.querySelector('.sk-value').textContent = sk.value;
      cell.querySelector('.sk-value').style.color = sk.barColor;
      const fill = cell.querySelector('.sk-bar-fill');
      fill.style.width = sk.barPct + '%';
      fill.style.background = sk.barColor;
    });
    renderIndicatorTable();
    renderMATable();
  }

  // ---- Run agents ----
  function runAgents() {
    let delay = 0;
    AGENTS.forEach((ag, i) => {
      setTimeout(() => {
        const verdictEl = document.getElementById('verdict-' + ag.id);
        const reasonEl  = document.getElementById('reason-' + ag.id);
        const confFill  = document.getElementById('conf-' + ag.id);
        const confPct   = document.getElementById('conf-pct-' + ag.id);
        if (verdictEl) {
          verdictEl.textContent = ag.verdict;
          verdictEl.className = 'verdict-badge ' + ag.verdictClass;
        }
        if (reasonEl)  reasonEl.textContent = ag.reasoning;
        if (confFill)  { confFill.style.background = ag.color; setTimeout(() => confFill.style.width = ag.conf + '%', 50); }
        if (confPct)   confPct.textContent = ag.conf + '%';
        // After last agent, update orchestrator
        if (i === AGENTS.length - 1) setTimeout(updateOrchestrator, 400);
      }, delay);
      delay += 320;
    });
  }

  // ---- Orchestrator ----
  function updateOrchestrator() {
    const buyCount = AGENTS.filter(a => ['buy','hold'].includes(a.verdictClass)).length;
    const avgConf  = Math.round(AGENTS.reduce((s,a) => s + a.conf, 0) / AGENTS.length);
    const dominant = buyCount >= 4 ? 'HOLD / ACCUMULATE' : buyCount >= 2 ? 'CAUTIOUS HOLD' : 'DEFENSIVE';
    const domColor = buyCount >= 4 ? 'var(--green)' : 'var(--amber)';
    document.getElementById('orchVerdict').innerHTML = `Portfolio posture: <em>${dominant}</em>`;
    document.getElementById('orchConsensus').textContent = buyCount + '/6 agents aligned';
    document.getElementById('orchConsensus').style.color = domColor;
    document.getElementById('orchSignal').textContent = dominant;
    document.getElementById('orchSignal').style.color = domColor;
    document.getElementById('orchSummary').innerHTML =
      `<strong style="color:var(--ink);">${buyCount} of 6 agents</strong> are aligned on a <strong style="color:${domColor};">${dominant}</strong> posture with average confidence of <strong style="color:var(--ink);">${avgConf}%</strong>. ` +
      `Key conflicts: Tax Agent flags IRMAA proximity risk ($3K margin). Risk Agent requests rebalance within 30 days. ` +
      `Momentum and Reversion agents agree that VXUS and VNQ are the highest-priority accumulation candidates at current RSI levels. ` +
      `<strong style="color:var(--amber);">Orchestrator directive: hold full equity allocation, execute rebalance this quarter, cap Roth conversion at $142K.</strong>`;
  }

  // ---- Ask individual agent via Claude API ----
  async function askAgent(agentId) {
    const ag = AGENTS.find(a => a.id === agentId);
    if (!ag) return;
    const q = `You are the ${agentId} agent for a retirement portfolio. Portfolio: VTI 62.1% ($2.48M total), VXUS 17.8%, BND 17.1%, VNQ 3%. Current signals: RSI VTI 38.2, MACD bearish cross, ATR elevated 4.82, Fear/Greed 28 (Fear). Roth conversion target $145K, IRMAA Tier 1 at $206K MAGI. Provide a concise 3-sentence analysis from your specific ${agentId} perspective with a clear action recommendation.`;
    addChatMsg('user', `[${agentId.toUpperCase()} AGENT] ${q.slice(0,80)}…`);
    await streamClaude(q);
  }

  // ---- Scenario tabs ----
  function switchScenario(id) {
    document.querySelectorAll('.scenario-tab').forEach((t,i) => {
      const ids = ['soft-landing','rate-shock','recession','bull-run'];
      t.classList.toggle('active', ids[i] === id);
    });
    document.querySelectorAll('.scenario-panel').forEach(p => {
      p.classList.toggle('active', p.id === 'sc-' + id);
    });
  }

  function runScenario() {
    // just re-confirm active tab with a visual flash
    const active = document.querySelector('.scenario-panel.active');
    if (active) { active.style.opacity = '0.4'; setTimeout(() => active.style.opacity = '1', 300); }
  }

  function refreshSkills() {
    // visual refresh animation on skill cells
    document.querySelectorAll('.skill-cell').forEach((c,i) => {
      setTimeout(() => { c.style.opacity='0.4'; setTimeout(() => c.style.opacity='1', 200); }, i*80);
    });
    renderSkills();
  }

  // Use dynamic prompt if holdings have been updated, else use original
  const SYSTEM_PROMPT = _originalSYSTEM_PROMPT;

  let chatHistory = [];

  function addChatMsg(role, text) {
    const msgs = document.getElementById('chatMessages');
    const div = document.createElement('div');
    div.className = 'chat-msg ' + role;
    div.textContent = text;
    msgs.appendChild(div);
    msgs.scrollTop = msgs.scrollHeight;
    return div;
  }

  function addTypingIndicator() {
    const msgs = document.getElementById('chatMessages');
    const div = document.createElement('div');
    div.className = 'chat-msg typing';
    div.id = 'typingIndicator';
    div.innerHTML = '<div class="typing-dots"><span></span><span></span><span></span></div>';
    msgs.appendChild(div);
    msgs.scrollTop = msgs.scrollHeight;
    return div;
  }

  // ---- API Key management ----
  function getApiKey() {
    // Try localStorage first (Netlify/standalone), fall back to empty (Claude.ai handles auth)
    try { return localStorage.getItem('meridian_api_key') || ''; } catch(e) { return ''; }
  }

  function saveApiKey() {
    const key = document.getElementById('apiKeyInput').value.trim();
    if (!key.startsWith('sk-ant-') && key !== '') {
      setApiStatus('⚠ KEY FORMAT INVALID — must start with sk-ant-', 'var(--red)');
      return;
    }
    try {
      if (key) {
        localStorage.setItem('meridian_api_key', key);
        document.getElementById('apiKeyInput').value = '●'.repeat(24) + key.slice(-4);
        setApiStatus('✓ KEY SAVED · AI CHAT ENABLED', 'var(--green)');
      }
    } catch(e) {
      setApiStatus('⚠ Could not save — localStorage unavailable', 'var(--red)');
    }
  }

  function clearApiKey() {
    try { localStorage.removeItem('meridian_api_key'); } catch(e) {}
    document.getElementById('apiKeyInput').value = '';
    setApiStatus('KEY CLEARED · AI CHAT DISABLED', 'var(--ink-faint)');
  }

  function validateApiKey() {
    const val = document.getElementById('apiKeyInput').value.trim();
    if (val.startsWith('sk-ant-')) {
      setApiStatus('KEY FORMAT VALID · CLICK SAVE KEY', 'var(--amber)');
    } else if (val.length > 0) {
      setApiStatus('⚠ KEY FORMAT INVALID — must start with sk-ant-', 'var(--red)');
    } else {
      setApiStatus('NO KEY SET · AI CHAT DISABLED', 'var(--ink-faint)');
    }
  }

  function setApiStatus(msg, color) {
    const el = document.getElementById('apiKeyStatus');
    if (el) { el.textContent = msg; el.style.color = color; }
  }

  function toggleApiPanel() {
    const body = document.getElementById('apiKeyBody');
    const btn  = document.querySelector('#apiKeyPanel .module-action');
    const shown = body.style.display !== 'none';
    body.style.display = shown ? 'none' : 'block';
    if (btn) btn.textContent = shown ? '▼ Expand' : '▲ Collapse';
    // On open, check if key already saved
    if (!shown) {
      const saved = getApiKey();
      if (saved) {
        document.getElementById('apiKeyInput').value = '●'.repeat(24) + saved.slice(-4);
        setApiStatus('✓ KEY ACTIVE · AI CHAT ENABLED', 'var(--green)');
      }
    }
  }

  // On AI engine load, show key status in header
  function checkApiKeyOnLoad() {
    const saved = getApiKey();
    const badge = document.querySelector('.ai-header-badge');
    if (saved && badge) {
      badge.textContent = 'CLAUDE SONNET · KEY ACTIVE';
      badge.style.color = 'var(--green)';
      badge.style.borderColor = 'rgba(111,178,133,0.3)';
      setApiStatus('✓ KEY ACTIVE · AI CHAT ENABLED', 'var(--green)');
    }
  }

  async function streamClaude(userMsg) {
    chatHistory.push({ role:'user', content: userMsg });
    const typing = addTypingIndicator();
    const savedKey = getApiKey();

    // Detect environment
    const isLocalFile = window.location.protocol === 'file:';
    const isLocalhost = window.location.hostname === 'localhost' || window.location.hostname === '127.0.0.1';
    const hasKey = savedKey && savedKey.length > 10;

    // If local file with no key — CORS will fail. Use offline intelligence mode.
    if (isLocalFile && !hasKey) {
      typing.remove();
      chatHistory.pop();
      respondOffline(userMsg);
      return;
    }

    // Build headers
    const headers = {
      'Content-Type': 'application/json',
      'anthropic-version': '2023-06-01',
      'anthropic-dangerous-direct-browser-access': 'true'
    };
    if (hasKey) headers['x-api-key'] = savedKey;
    // Use dynamic system prompt if holdings have been updated
    const activePrompt = window._dynamicSystemPrompt || SYSTEM_PROMPT;

    try {
      const res = await fetch('https://api.anthropic.com/v1/messages', {
        method: 'POST',
        headers,
        body: JSON.stringify({
          model: 'claude-sonnet-4-20250514',
          max_tokens: 1000,
          system: activePrompt,
          messages: chatHistory
        })
      });
      const data = await res.json();
      typing.remove();
      if (data.error) {
        if (data.error.type === 'authentication_error') {
          addChatMsg('assistant', '⚠ API key error. Go to the API Access panel above → paste your key from console.anthropic.com → click SAVE KEY.');
        } else {
          addChatMsg('assistant', '⚠ ' + data.error.message);
        }
        chatHistory.pop();
        return;
      }
      const reply = data.content.filter(b => b.type === 'text').map(b => b.text).join('');
      chatHistory.push({ role: 'assistant', content: reply });
      renderStreamedReply(reply);
    } catch(e) {
      typing.remove();
      chatHistory.pop();
      // CORS or network error — fall back to offline mode
      if (isLocalFile || isLocalhost) {
        respondOffline(userMsg);
      } else {
        addChatMsg('assistant', '⚠ Network error: ' + e.message + '. If running locally, use python3 -m http.server 8080 and open localhost:8080 instead of the file directly.');
      }
    }
  }

  function renderStreamedReply(reply) {
    const msgDiv = document.createElement('div');
    msgDiv.className = 'chat-msg assistant';
    document.getElementById('chatMessages').appendChild(msgDiv);
    const words = reply.split(' ');
    let i = 0;
    const interval = setInterval(() => {
      msgDiv.textContent += (i > 0 ? ' ' : '') + words[i];
      i++;
      document.getElementById('chatMessages').scrollTop = 99999;
      if (i >= words.length) clearInterval(interval);
    }, 18);
  }

  // ---- Offline intelligence mode ----
  // Provides smart, portfolio-specific answers without an API call
  // Used automatically when running as a local file without a key
  function respondOffline(q) {
    const lq = q.toLowerCase();
    let reply = '';

    // Portfolio questions
    if (/rebalanc/i.test(lq)) {
      reply = `Your current drift: VTI +2.1% (at 62.1% vs 60% target), VXUS −2.2% (at 17.8% vs 20%), BND −2.9% (at 17.1% vs 20%). You haven't hit the ±5% hard trigger yet, so no urgent rebalance is required.

Recommended action this quarter: sell ~87 shares VTI (~$26K), buy ~214 shares VXUS (~$13.7K) and ~166 shares BND (~$12.3K). Do this inside the IRA — zero tax consequences. Best executed in a single session to avoid tracking multiple partial orders.`;

    } else if (/bnd|bond/i.test(lq)) {
      reply = `BND is in a mild downtrend — price ($73.85) is below its 200-day MA ($74.60), which is the "Caution ⚠️" signal you see in the MA panel. This is directly caused by elevated interest rates. It is not a crisis.

Two things to watch: (1) When the Fed cuts rates in Q3/Q4 2026, BND price will rise — every 0.25% cut adds roughly 1–2% to BND's price on top of the 3.1% yield you're already collecting. (2) Your BND is 2.9% underweight — the rate-cut catalyst makes this a good gradual-add situation, not a sell.`;

    } else if (/roth|convert|irmaa/i.test(lq)) {
      reply = `Your 2026 Roth conversion target is $145,000, but the safe maximum is $142,000 — this keeps your MAGI ~$4K below the IRMAA Tier 1 threshold of ~$206K, avoiding a $588/year Medicare surcharge.

The math strongly favors converting: every dollar converted now is taxed at your current rate and grows tax-free forever. Chadia's younger age (51) means Roth assets could compound for 30+ more years. The opportunity cost of NOT converting at current low-income levels far exceeds the IRMAA risk of crossing by $1.`;

    } else if (/vti|total.stock|us.market/i.test(lq)) {
      reply = `VTI is your strongest position right now — Golden Cross confirmed (50-day MA $291.80 is above 200-day MA $278.50, price at $298.42 is above both). RSI at 38.2 is approaching oversold territory, which is a mild buy signal, not a sell signal.

At 62.1% of your IRA, VTI is slightly overweight vs the 60% target. No action needed until it drifts above 65%. The MACD bearish cross from 5 days ago is losing momentum — watch for a bullish reversal in the next 5–10 trading days.`;

    } else if (/vxus|international/i.test(lq)) {
      reply = `VXUS is the most attractive add candidate in your portfolio right now. RSI at 31.4 is nearly oversold, MACD just turned bullish, and it's 2.2% underweight your 20% target. Dollar weakness (DXY 103.2 and falling) is a direct tailwind — when the dollar weakens, your foreign holdings translate into more dollars automatically.

Target: bring VXUS from 17.8% to 20% by buying ~214 shares (~$13,700). Best entry: any day VTI is down 0.5%+ — international and US often move together giving you a double discount.`;

    } else if (/vnq|real.estate|reit/i.test(lq)) {
      reply = `VNQ has a Death Cross — 50-day MA ($86.50) and price ($88.12) are both below the 200-day MA ($91.20). This is the weakest technical picture in your portfolio.

Rule: do not add to VNQ until the 50-day MA crosses back above the 200-day. The trigger for a recovery is Fed rate cuts — real estate is the most rate-sensitive sector in your holdings. Hold the 3% legacy position, collect the dividend, and wait. When the signal flips to bullish, VNQ could be one of the biggest beneficiaries of the rate-cut cycle.`;

    } else if (/gold|gld|silver|slv|copper|hard.asset/i.test(lq)) {
      reply = `Gold at $4,534 is at all-time highs and still has structural support — foreign central banks (China, India, Poland) are buying every dip as a de-dollarization strategy. Goldman's target is $4,500–$5,000. Your GLD position is working as designed: it's the hedge that wins when everything else struggles.

Silver (SLV) has more upside — dual demand from solar panels and EVs on top of monetary demand. OCBC targets $95 by mid-2027. Copper (COPX) benefits from the AI data center buildout — every GPU cluster needs copper for power and cooling infrastructure.`;

    } else if (/scenario|recession|rate.shock|bull|soft.landing/i.test(lq)) {
      reply = `Your most likely scenario is the soft landing — inflation cooling toward 2.4%, Fed cuts possible Q4 2026, GDP steady around 2%. In this scenario your portfolio projects to $1.52M on the $1M plan (+52% in 3 years, ~15% CAGR).

The scenario to prepare for is a rate shock — if CPI re-accelerates above 3% (tariff pass-through is the risk), the Fed pauses or reverses. In that case: BND suffers more, gold accelerates, and your $200K SGOV reserve becomes even more valuable. Your portfolio is already positioned for this — gold and cash are your shock absorbers.`;

    } else if (/cash|sgov|dry.powder|reserve/i.test(lq)) {
      reply = `Your $200K in SGOV is earning ~5%+ risk-free — that's $10,000/year just for holding cash. More importantly, it's your behavior insurance: having cash means you can watch a 20% market correction without panic, because you have a plan and the money to execute it.

Deployment triggers: (1) any position drops 15%+ → deploy $50K into that position; (2) S&P drops 10%+ → deploy $75K into VTI; (3) new high-conviction play emerges → deploy $50K. Permanent floor: never go below $50K. The discipline to not spend this cash on normal days is the whole strategy.`;

    } else if (/nvda|nvidia|ai.infra|anet|vrt|mrvl/i.test(lq)) {
      reply = `Your AI infrastructure positions (NVDA, ANET, VRT, MRVL) are riding the $700B hyperscaler capex cycle. NVDA at $225.61 has an analyst consensus target of $296 — 33% upside. The key risk to watch is Q2 earnings in July: if any of the big four (MSFT, AMZN, GOOG, META) cuts capex guidance, trim 25% of NVDA immediately.

The "picks and shovels" logic holds: ANET (networking), VRT (power/cooling), and MRVL (custom ASICs) get paid regardless of which AI model lab wins. These are your most volatile positions but also your highest-conviction growth plays over 3 years.`;

    } else if (/lmt|defense|rtx|ita/i.test(lq)) {
      reply = `LMT at $516.50 is down 24.6% from its March all-time high of $692 — this is a buy-the-dip opportunity in a structurally growing sector. Analyst consensus target is $637 (+23% from here) and the 2.6% dividend pays you while you wait.

NATO rearmament is a decade-long structural trend, not a cyclical one. Every NATO country is under pressure to hit 2%+ of GDP in defense spending — that's a 10-year contract pipeline. RTX (ordnance, Patriot/THAAD systems used in every active conflict) and ITA (broad defense ETF with European exposure) round out the position.`;

    } else if (/risk|stop.loss|drawdown|protect/i.test(lq)) {
      reply = `Your biggest portfolio risk right now is behavioral, not market-related. Studies show the average investor underperforms their own funds by 2–3% per year because of panic selling and greed buying. Your $200K cash reserve and your MA signal rules exist specifically to prevent this.

Mechanical risk: VTI stop is at $247 (−18% from entry $298). If VTI hits that level, trim 25% — don't sell everything. BND stop is more lenient since you hold it for stability, not growth. VNQ has a Death Cross but only 3% weight — the damage is limited. The asymmetric positions (BTC, OKLO, RKLB) have no stops by design — they're sized for total loss.`;

    } else {
      reply = `Based on your portfolio context — $2.48M IRA with VTI/VXUS/BND/VNQ, $200K cash reserve, active Roth conversion strategy, and IRMAA Tier 1 watch at $206K MAGI — here are the most relevant points for your question:

Your portfolio is structurally sound. The MA signals show VTI and VXUS in bullish territory, BND in caution mode (rate-sensitive), and VNQ with a Death Cross (hold only). Fear/Greed at 28 is a contrarian buy signal. Your three most actionable items right now are: (1) cap Roth conversion at $142K to protect IRMAA margin, (2) execute a modest rebalance this quarter (trim VTI, add VXUS/BND), and (3) keep the $200K dry powder intact for the next 10–15% market correction.

⚡ For live AI responses: open Terminal, run \`python3 -m http.server 8080\` in your Downloads folder, then open localhost:8080 in your browser.`;
    }

    // Add offline mode notice on first offline response
    const offlineNote = document.getElementById('offlineModeNote');
    if (!offlineNote) {
      const noticeDiv = document.createElement('div');
      noticeDiv.id = 'offlineModeNote';
      noticeDiv.style.cssText = `padding:8px 14px; background:rgba(232,168,56,0.08);
        border:1px solid rgba(232,168,56,0.2); border-radius:2px; margin-bottom:8px;
        font-family:'JetBrains Mono',monospace; font-size:10px; letter-spacing:0.1em;
        color:var(--amber);`;
      noticeDiv.textContent = '⚡ OFFLINE MODE — portfolio-aware answers · For live AI: python3 -m http.server 8080';
      document.getElementById('chatMessages').prepend(noticeDiv);
    }

    chatHistory.push({ role: 'assistant', content: reply });
    renderStreamedReply(reply);
  }

  function sendChat() {
    const input = document.getElementById('chatInput');
    const msg = input.value.trim();
    if (!msg) return;
    input.value = '';
    addChatMsg('user', msg);
    streamClaude(msg);
  }

  function quickAsk(q) {
    document.getElementById('chatInput').value = q;
    sendChat();
  }

  // ---- Auto-init when AI Engine tab is shown ----
  const origNavHandler = document.querySelector('.nav-item[data-target="ai-engine"]');
  document.addEventListener('DOMContentLoaded', () => {});

  // Hook into nav click for ai-engine to auto-run skills
  document.querySelectorAll('.nav-item[data-target]').forEach(item => {
    item.addEventListener('click', () => {
      if (item.getAttribute('data-target') === 'ai-engine') {
        setTimeout(() => { renderSkills(); }, 300);
      }
    });
  });

  // Also render if section already active on load
  if (document.getElementById('section-ai-engine') &&
      document.getElementById('section-ai-engine').classList.contains('active')) {
    renderSkills();
  }

  // ============================================================
  //  $1M TRADE PLAN — Clock + Animated bars + Live totals
  // ============================================================

  // Trade plan clock
  const tpClockEl = document.getElementById('tp-clock');
  if (tpClockEl) {
    const updateTpClock = () => {
      const now = new Date();
      tpClockEl.textContent = now.toLocaleTimeString('en-US', {
        hour:'2-digit', minute:'2-digit', second:'2-digit',
        hour12:false, timeZone:'America/New_York'
      }) + ' EST';
    };
    updateTpClock();
    setInterval(updateTpClock, 1000);
  }

  // Trade plan positions with live price placeholders
  const TP_POSITIONS = [
    { sym:'NVDA',  shares:390,    entry:225.61, tranche:'AI Infra',    color:'#5a8fc4', alloc:88000  },
    { sym:'ANET',  shares:80,     entry:850.00, tranche:'AI Infra',    color:'#5a8fc4', alloc:68000  },
    { sym:'VRT',   shares:420,    entry:123.80, tranche:'AI Infra',    color:'#5a8fc4', alloc:52000  },
    { sym:'MRVL',  shares:480,    entry:87.50,  tranche:'AI Infra',    color:'#5a8fc4', alloc:42000  },
    { sym:'LMT',   shares:145,    entry:516.50, tranche:'Defense',     color:'#6fb285', alloc:74900  },
    { sym:'RTX',   shares:400,    entry:125.00, tranche:'Defense',     color:'#6fb285', alloc:50000  },
    { sym:'ITA',   shares:120,    entry:209.17, tranche:'Defense',     color:'#6fb285', alloc:25100  },
    { sym:'GLD',   shares:175,    entry:428.89, tranche:'Hard Assets', color:'#e8a838', alloc:75000  },
    { sym:'SLV',   shares:800,    entry:50.00,  tranche:'Hard Assets', color:'#e8a838', alloc:40000  },
    { sym:'COPX',  shares:600,    entry:58.33,  tranche:'Hard Assets', color:'#e8a838', alloc:35000  },
    { sym:'EMB',   shares:800,    entry:93.75,  tranche:'Income',      color:'#5da38a', alloc:75000  },
    { sym:'SCHD',  shares:700,    entry:107.14, tranche:'Income',      color:'#5da38a', alloc:75000  },
    { sym:'SGOV',  shares:2000,   entry:100.00, tranche:'Cash',        color:'#55524c', alloc:200000 },
    { sym:'BTC',   shares:0.58,   entry:68966,  tranche:'Asymmetric',  color:'#d16666', alloc:40000  },
    { sym:'OKLO',  shares:1400,   entry:21.43,  tranche:'Asymmetric',  color:'#d16666', alloc:30000  },
    { sym:'RKLB',  shares:1500,   entry:20.00,  tranche:'Asymmetric',  color:'#d16666', alloc:30000  },
  ];

  // Render a compact live P&L ticker inside trade plan if section visible
  function renderTpSummary() {
    const wrap = document.getElementById('tp-live-summary');
    if (!wrap) return;
    let html = '';
    let totalCost = 0, totalVal = 0;
    TP_POSITIONS.forEach(p => {
      totalCost += p.alloc;
      // Simulate slight random price movement for demo
      const change = (Math.random() - 0.48) * 0.012;
      const currentPrice = p.entry * (1 + change);
      const val = currentPrice * p.shares;
      totalVal += val;
      const pnl = val - p.alloc;
      const pnlPct = (pnl / p.alloc * 100).toFixed(2);
      const isPos = pnl >= 0;
      html += `<div style="display:flex;justify-content:space-between;align-items:center;
        padding:9px 22px;border-bottom:1px solid var(--line-soft);font-size:12px;">
        <span style="font-family:'JetBrains Mono',monospace;font-size:11px;
          color:${p.color};min-width:52px;">${p.sym}</span>
        <span style="color:var(--ink-dim);flex:1;padding:0 16px;">${p.tranche}</span>
        <span style="font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--ink);">
          $${p.alloc.toLocaleString()}</span>
        <span style="font-family:'JetBrains Mono',monospace;font-size:11px;
          color:${isPos ? 'var(--green)' : 'var(--red)'};min-width:90px;text-align:right;">
          ${isPos?'+':''}$${Math.abs(pnl).toFixed(0)} (${isPos?'+':''}${pnlPct}%)</span>
      </div>`;
    });
    const totalPnl = totalVal - totalCost;
    const totalPct = (totalPnl / totalCost * 100).toFixed(2);
    wrap.innerHTML = html;

    // Update hero total if it drifts
    const heroVal = document.getElementById('tp-current-val');
    if (heroVal) {
      heroVal.textContent = '$' + Math.round(totalVal).toLocaleString();
      heroVal.style.color = totalPnl >= 0 ? 'var(--green)' : 'var(--red)';
    }
  }

  // Animate allocation bar segments on enter
  function animateTpBars() {
    const segs = document.querySelectorAll('#section-trade-plan .tp-alloc-seg');
    segs.forEach((seg, i) => {
      const w = seg.style.width;
      seg.style.width = '0';
      setTimeout(() => { seg.style.width = w; }, 120 + i * 60);
    });
  }

  // Animate tranche rows on enter
  function animateTpRows() {
    const rows = document.querySelectorAll('#section-trade-plan .tp-positions tbody tr');
    rows.forEach((row, i) => {
      row.style.opacity = '0';
      row.style.transform = 'translateX(-8px)';
      row.style.transition = 'opacity 0.3s ease, transform 0.3s ease';
      setTimeout(() => {
        row.style.opacity = '1';
        row.style.transform = 'translateX(0)';
      }, 80 + i * 45);
    });
  }

  // Scenario outcome counter animation
  function animateCounters() {
    const targets = [
      { id:'tp-bear-val',  end:820000,   color:'var(--red)',   prefix:'$' },
      { id:'tp-base-val',  end:1520000,  color:'var(--green)', prefix:'$' },
      { id:'tp-bull-val',  end:2100000,  color:'var(--amber)', prefix:'$' },
    ];
    targets.forEach(t => {
      const el = document.getElementById(t.id);
      if (!el) return;
      let start = 0;
      const duration = 1200;
      const step = Math.ceil(t.end / (duration / 16));
      const timer = setInterval(() => {
        start = Math.min(start + step, t.end);
        el.textContent = t.prefix + start.toLocaleString();
        el.style.color = t.color;
        if (start >= t.end) clearInterval(timer);
      }, 16);
    });
  }

  // Init trade plan on nav click
  let tpInitialized = false;
  document.querySelectorAll('.nav-item[data-target]').forEach(item => {
    item.addEventListener('click', () => {
      if (item.getAttribute('data-target') === 'trade-plan') {
        setTimeout(() => {
          if (!tpInitialized) {
            animateTpBars();
            animateTpRows();
            animateCounters();
            tpInitialized = true;
          }
        }, 250);
      }
    });
  });

  // Also hook into the existing nav handler's section swap
  // to ensure ai-engine trigger still fires correctly
  const _origAiCheck = () => {
    if (document.getElementById('section-ai-engine') &&
        document.getElementById('section-ai-engine').classList.contains('active')) {
      renderSkills();
    }
  };


// FIDELITY IMPORT ENGINE
(function(){const el=document.getElementById('import-clock');if(!el)return;setInterval(()=>{el.textContent=new Date().toLocaleTimeString('en-US',{hour:'2-digit',minute:'2-digit',second:'2-digit',hour12:false,timeZone:'America/New_York'})+' EST';},1000);})();
let importedAccounts=[],allImportedRows=[];
function toggleGuide(){const b=document.getElementById('guideBody'),t=document.getElementById('guideToggle');if(!b)return;const s=b.style.display!=='none';b.style.display=s?'none':'block';t.textContent=s?'▼ Show instructions':'▲ Hide instructions';}
function handleDragOver(e){e.preventDefault();document.getElementById('dropzone').classList.add('drag-over');}
function handleDragLeave(){document.getElementById('dropzone').classList.remove('drag-over');}
function handleDrop(e){e.preventDefault();document.getElementById('dropzone').classList.remove('drag-over');Array.from(e.dataTransfer.files).filter(f=>f.name.endsWith('.csv')).forEach(parseCSVFile);}
function handleFileInput(e){Array.from(e.target.files).forEach(parseCSVFile);e.target.value='';}
function cleanNum(v){if(v==null)return 0;return parseFloat(String(v).trim().replace(/[$,%]/g,'').replace(/\((.+)\)/,'-$1').replace('+',''))||0;}
function parseLine(l){const r=[];let c='',q=false;for(let i=0;i<l.length;i++){if(l[i]==='"'){q=!q;continue;}if(l[i]===','&&!q){r.push(c.trim());c='';}else c+=l[i];}r.push(c.trim());return r;}
function parseCSVFile(file){
  const rd=new FileReader();
  rd.onload=e=>{
    const lines=e.target.result.replace(/^\uFEFF/,'').split('\n');
    let hi=-1;
    for(let i=0;i<Math.min(10,lines.length);i++){const l=lines[i].toLowerCase();if(l.includes('account number')||(l.includes('symbol')&&l.includes('quantity'))){hi=i;break;}}
    if(hi<0){alert('Header not found in '+file.name);return;}
    const hc=parseLine(lines[hi]);const H={};hc.forEach((h,i)=>{H[h.trim().toLowerCase()]=i;});
    const C={an:H['account name']??-1,sym:H['symbol']??-1,desc:H['description']??-1,qty:H['quantity']??-1,price:H['last price']??-1,pc:H['last price change']??-1,val:H['current value']??-1,gl:H['total gain/loss dollar']??-1,glp:H['total gain/loss percent']??-1,pct:H['percent of account']??-1,cost:H['cost basis total']??-1};
    const rows=[];
    for(let i=hi+1;i<lines.length;i++){
      const ln=lines[i].trim();if(!ln||ln.startsWith('"The data')||ln.startsWith('"Brokerage'))break;
      const c=parseLine(lines[i]);if(!c||c.length<5)continue;
      const sym=C.sym>=0?c[C.sym].trim():'';if(!sym||sym.endsWith('**')||sym==='')continue;
      const an=C.an>=0?c[C.an].trim():'Unknown';const al=an.toLowerCase();
      let at='broker';if(al.includes('roth'))at='roth';else if(al.includes('ira')||al.includes('rollover'))at='ira';else if(al.includes('go'))at='fidelity-go';
      rows.push({acctName:an,acctType:at,sym,desc:C.desc>=0?c[C.desc].trim():sym,qty:cleanNum(C.qty>=0?c[C.qty]:0),price:cleanNum(C.price>=0?c[C.price]:0),value:cleanNum(C.val>=0?c[C.val]:0),cost:cleanNum(C.cost>=0?c[C.cost]:0),gl:cleanNum(C.gl>=0?c[C.gl]:0),glPct:cleanNum(C.glp>=0?c[C.glp]:0),pctAcct:cleanNum(C.pct>=0?c[C.pct]:0),priceChg:cleanNum(C.pc>=0?c[C.pc]:0)});
    }
    if(!rows.length){alert('No positions in '+file.name);return;}
    const ag={};rows.forEach(r=>{if(!ag[r.acctName])ag[r.acctName]={name:r.acctName,type:r.acctType,rows:[]};ag[r.acctName].rows.push(r);});
    importedAccounts=importedAccounts.filter(a=>!Object.keys(ag).includes(a.name));
    Object.values(ag).forEach(a=>importedAccounts.push(a));
    allImportedRows=importedAccounts.flatMap(a=>a.rows);
    renderImportPreview();renderImportedAccountPills();
    setImpStatus('✓ '+rows.length+' positions across '+Object.keys(ag).length+' accounts','var(--green)');
  };rd.readAsText(file,'utf-8');
}
function setImpStatus(m,c){const dz=document.getElementById('dropzone');if(!dz)return;let s=dz.querySelector('.dz-status');if(!s){s=document.createElement('div');s.className='dz-status';s.style.cssText='margin-top:12px;font-family:"JetBrains Mono",monospace;font-size:10px;letter-spacing:.12em;';dz.appendChild(s);}s.textContent=m;s.style.color=c;}
function renderImportedAccountPills(){const el=document.getElementById('importedAccounts');if(!el)return;const co={ira:'ira',roth:'roth',broker:'broker','fidelity-go':'broker'};el.innerHTML=importedAccounts.map(a=>`<span class="acct-pill ${co[a.type]||'broker'}">${a.name} · ${a.rows.length}</span>`).join('');}
function clearAllImports(){importedAccounts=[];allImportedRows=[];['importedAccounts','importPreview','analysisSection'].forEach(id=>{const e=document.getElementById(id);if(e){if(id==='importedAccounts')e.innerHTML='';else e.style.display='none';}});setImpStatus('','');}
function getTaxPR(sym,acctType,desc){
  const d=(desc||'').toLowerCase();
  const bond=['FBLTX','FIWGX','FFPLX','FSPWX','FZOLX','FSRIX','FSHGX','FAGIX'].includes(sym)||d.includes('bond')||d.includes('income')||d.includes('duration')||d.includes('inflation');
  const growth=['FCTDX','FUSIX','FSCJX','FGOMX'].includes(sym);
  const reit=['FSRJX'].includes(sym)||d.includes('real estate');
  if(bond||reit){if(acctType==='ira')return{cls:'good',label:'Optimal'};if(acctType==='roth')return{cls:'warn',label:'OK'};return{cls:'bad',label:'Move to IRA'};}
  if(growth){if(acctType==='roth')return{cls:'good',label:'Optimal'};if(acctType==='ira')return{cls:'warn',label:'OK'};}
  return{cls:'good',label:'Neutral'};
}
function renderImportPreview(){
  if(!allImportedRows.length)return;
  const ip=document.getElementById('importPreview');if(ip)ip.style.display='block';
  const ic=document.getElementById('importCount');const ac=document.getElementById('importAcctCount');
  if(ic)ic.textContent=allImportedRows.length;if(ac)ac.textContent=importedAccounts.length;
  const tb=document.getElementById('importTableBody');if(!tb)return;
  const glC=v=>v>0?'var(--green)':v<0?'var(--red)':'var(--ink-dim)';
  const fmt=v=>'$'+Math.abs(v).toLocaleString('en-US',{maximumFractionDigits:0});
  const acC=t=>t==='ira'?'var(--blue)':t==='roth'?'var(--green)':'var(--amber)';
  tb.innerHTML=allImportedRows.map(r=>{const pl=getTaxPR(r.sym,r.acctType,r.desc);return`<tr><td><span style="font-family:'JetBrains Mono',monospace;font-size:10px;color:${acC(r.acctType)};letter-spacing:.08em;">${r.acctType.toUpperCase()}</span><br><span style="font-size:10px;color:var(--ink-faint);">${r.acctName.slice(0,20)}</span></td><td><strong style="font-family:'JetBrains Mono',monospace;font-size:12px;color:var(--amber);">${r.sym}</strong></td><td style="color:var(--ink-dim);font-size:11px;">${r.desc.slice(0,36)}</td><td class="r">${r.qty.toLocaleString(undefined,{maximumFractionDigits:3})}</td><td class="r">$${r.price.toFixed(2)}</td><td class="r" style="color:var(--ink);">${fmt(r.value)}</td><td class="r" style="color:var(--ink-dim);">${r.cost>0?fmt(r.cost):'—'}</td><td class="r" style="color:${glC(r.gl)};">${r.gl>=0?'+':''}${fmt(r.gl)}</td><td class="r">${r.pctAcct.toFixed(1)}%</td><td class="r"><span class="placement-badge ${pl.cls}">${pl.label}</span></td></tr>`;}).join('');
}
function runAnalysis(){
  if(!allImportedRows.length){alert('Import a CSV first.');return;}
  const as=document.getElementById('analysisSection');if(as)as.style.display='block';
  renderQGrid();renderOvlp();renderTxPlace();renderAllocBars();renderFeeTbl();
  if(as)as.scrollIntoView({behavior:'smooth',block:'start'});
}
function renderQGrid(){
  const qg=document.getElementById('quantGrid');if(!qg)return;
  const tot=allImportedRows.reduce((s,r)=>s+r.value,0);
  const totC=allImportedRows.reduce((s,r)=>s+(r.cost||0),0);
  const totGL=allImportedRows.reduce((s,r)=>s+r.gl,0);
  const glP=totC>0?(totGL/totC*100):0;
  const top=[...allImportedRows].sort((a,b)=>b.value-a.value)[0]||{sym:'—',value:0};
  const topP=tot>0?(top.value/tot*100):0;
  const ER={'FCTDX':0,'FUSIX':0,'FGOMX':0,'FIWGX':0,'FBLTX':0,'FSPWX':0,'FFPLX':0,'FIFGX':0,'FSCJX':0,'FZOLX':0,'FSRIX':0.30,'FSHGX':0.44,'FAGIX':0.64,'FSAOX':0.57,'FSRJX':0,'NIO':0};
  let wER=0;allImportedRows.forEach(r=>{wER+=(r.value/tot)*(ER[r.sym]!==undefined?ER[r.sym]:0.40);});
  qg.innerHTML=`<div class="quant-cell"><div class="qk">Total portfolio value</div><div class="qv" style="color:var(--green);">$${Math.round(tot).toLocaleString()}</div><div class="qs">${allImportedRows.length} positions · ${importedAccounts.length} accounts</div></div><div class="quant-cell"><div class="qk">Unrealized gain</div><div class="qv" style="color:var(--green);">+$${Math.round(totGL).toLocaleString()}</div><div class="qs">+${glP.toFixed(1)}% vs $${Math.round(totC).toLocaleString()} cost</div></div><div class="quant-cell"><div class="qk">Blended expense ratio</div><div class="qv" style="color:var(--green);">${wER.toFixed(2)}%</div><div class="qs">SAI/Zero advantage · 10yr drag ~$${Math.round(tot*wER/100*10).toLocaleString()}</div></div><div class="quant-cell"><div class="qk">Largest position</div><div class="qv" style="color:${topP>50?'var(--amber)':'var(--ink)'};">${topP.toFixed(1)}%</div><div class="qs">${top.sym} · $${Math.round(top.value).toLocaleString()}</div></div>`;
}
function renderOvlp(){
  const el=document.getElementById('overlapList');if(!el)return;
  const sm={};allImportedRows.forEach(r=>{if(!sm[r.sym])sm[r.sym]=[];sm[r.sym].push({a:r.acctType.toUpperCase(),v:r.value});});
  const ov=Object.entries(sm).filter(([,a])=>a.length>1);
  if(!ov.length){el.innerHTML='<span style="color:var(--green);">✓ No duplicates across accounts</span>';return;}
  el.innerHTML=ov.slice(0,10).map(([sym,a])=>`<div style="margin-bottom:8px;display:flex;align-items:center;gap:8px;flex-wrap:wrap;"><strong style="font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--amber);min-width:52px;">${sym}</strong><span style="font-size:11px;color:var(--ink-dim);">${a.map(x=>x.a).join(' + ')}</span><span class="overlap-badge">OVERLAP</span><span style="font-size:11px;color:var(--ink-faint);">$${Math.round(a.reduce((s,x)=>s+x.v,0)).toLocaleString()}</span></div>`).join('');
}
function renderTxPlace(){
  const el=document.getElementById('taxPlacementList');if(!el)return;
  const iss=allImportedRows.map(r=>({...r,pl:getTaxPR(r.sym,r.acctType,r.desc)})).filter(r=>r.pl.cls!=='good');
  if(!iss.length){el.innerHTML='<span style="color:var(--green);">✓ All holdings tax-optimally placed</span>';return;}
  el.innerHTML=iss.slice(0,8).map(r=>`<div style="margin-bottom:8px;display:flex;align-items:center;gap:8px;flex-wrap:wrap;"><strong style="font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--amber);min-width:52px;">${r.sym}</strong><span class="placement-badge ${r.pl.cls}">${r.pl.label}</span><span style="font-size:11px;color:var(--ink-dim);">${r.acctType.toUpperCase()} · $${Math.round(r.value).toLocaleString()}</span></div>`).join('');
}
function renderAllocBars(){
  const el=document.getElementById('allocationBars');if(!el)return;
  const tot=allImportedRows.reduce((s,r)=>s+r.value,0);
  const G={'US Equity':0,'Intl Equity':0,'Bonds/Income':0,'Real Estate':0,'Inflation Hedge':0,'Alternatives':0,'Other':0};
  allImportedRows.forEach(r=>{if(['FCTDX'].includes(r.sym))G['US Equity']+=r.value;else if(['FUSIX','FSCJX','FGOMX'].includes(r.sym))G['Intl Equity']+=r.value;else if(['FBLTX','FIWGX','FFPLX','FSPWX','FZOLX','FSRIX','FSHGX','FAGIX'].includes(r.sym))G['Bonds/Income']+=r.value;else if(['FSRJX'].includes(r.sym))G['Real Estate']+=r.value;else if(['FIFGX'].includes(r.sym))G['Inflation Hedge']+=r.value;else if(['FSAOX'].includes(r.sym))G['Alternatives']+=r.value;else G['Other']+=r.value;});
  const T={'US Equity':50,'Intl Equity':25,'Bonds/Income':20,'Real Estate':2,'Inflation Hedge':2,'Alternatives':1,'Other':0};
  const CO={'US Equity':'#5a8fc4','Intl Equity':'#6fb285','Bonds/Income':'#e8a838','Real Estate':'#d16666','Inflation Hedge':'#a78bfa','Alternatives':'#64b5f6','Other':'#55524c'};
  el.innerHTML=Object.entries(G).filter(([,v])=>v>0).map(([k,v])=>{const p=tot>0?(v/tot*100):0,t=T[k]||0,d=p-t,dc=Math.abs(d)>5?'var(--red)':Math.abs(d)>2?'var(--amber)':'var(--ink-dim)';return`<div style="margin-bottom:14px;"><div style="display:flex;justify-content:space-between;align-items:center;margin-bottom:5px;"><span style="font-family:'JetBrains Mono',monospace;font-size:10px;color:var(--ink-dim);">${k}</span><div style="display:flex;gap:16px;font-family:'JetBrains Mono',monospace;font-size:10px;"><span style="color:${CO[k]};">${p.toFixed(1)}%</span><span style="color:var(--ink-faint);">${t}% tgt</span><span style="color:${dc};">${d>=0?'+':''}${d.toFixed(1)}%</span><span style="color:var(--ink-dim);">$${Math.round(v).toLocaleString()}</span></div></div><div style="position:relative;height:8px;background:var(--line);border-radius:2px;"><div style="height:100%;width:${Math.min(p,100)}%;background:${CO[k]};border-radius:2px;transition:width .6s;"></div>${t>0?`<div style="position:absolute;top:-3px;left:${t}%;width:2px;height:14px;background:var(--ink-faint);border-radius:1px;"></div>`:''}</div></div>`;}).join('');
}
function renderFeeTbl(){
  const el=document.getElementById('feeTable');if(!el)return;
  const ER={'FCTDX':0,'FUSIX':0,'FGOMX':0,'FIWGX':0,'FBLTX':0,'FSPWX':0,'FFPLX':0,'FIFGX':0,'FSCJX':0,'FZOLX':0,'FSRIX':0.30,'FSHGX':0.44,'FAGIX':0.64,'FSAOX':0.57,'FSRJX':0,'NIO':0};
  const feeRows=allImportedRows.map(r=>({...r,er:ER[r.sym]!==undefined?ER[r.sym]:0})).filter(r=>r.er>0).sort((a,b)=>b.value-a.value);
  const zT=allImportedRows.filter(r=>ER[r.sym]===0).reduce((s,r)=>s+r.value,0);
  const zN=allImportedRows.filter(r=>ER[r.sym]===0).length;
  el.innerHTML=`<div style="padding:16px 20px;background:rgba(111,178,133,0.08);border-bottom:1px solid var(--line);font-size:12px;color:var(--ink-dim);line-height:1.6;"><strong style="color:var(--green);">✓ ${zN} positions ($${Math.round(zT).toLocaleString()}) in 0% ER Fidelity SAI/Zero funds — excellent.</strong></div>${!feeRows.length?'<div style="padding:16px 20px;font-size:12px;color:var(--ink-dim);">All primary positions have 0% ER.</div>':`<table class="import-table"><thead><tr><th>Symbol</th><th>Description</th><th class="r">Value</th><th class="r">ER</th><th class="r">Annual drag</th><th class="r">10yr drag</th></tr></thead><tbody>${feeRows.map(r=>{const a=r.value*r.er/100,t=r.value*(1.07**10)*r.er/100*10;return`<tr><td><strong style="font-family:'JetBrains Mono',monospace;font-size:12px;color:var(--amber);">${r.sym}</strong></td><td style="font-size:11px;color:var(--ink-dim);">${r.desc.slice(0,32)}</td><td class="r">$${Math.round(r.value).toLocaleString()}</td><td class="r" style="color:${r.er<0.2?'var(--amber)':'var(--red)'};">${r.er.toFixed(2)}%</td><td class="r" style="color:var(--red);">-$${a.toFixed(0)}/yr</td><td class="r" style="color:var(--red);">-$${Math.round(t).toLocaleString()}</td></tr>`;}).join('')}</tbody></table>`}`;
}
async function generateRebalancing(){
  if(!allImportedRows.length){alert('Import a CSV first.');return;}
  const btn=document.getElementById('rebalBtn');if(btn){btn.textContent='⏳ Analyzing…';btn.style.color='var(--amber)';}
  const adv=document.getElementById('rebalAdvice');if(adv)adv.innerHTML='<div class="ai-advice-block loading"><span>⏳</span> Analyzing your Fidelity positions…</div>';
  const tot=allImportedRows.reduce((s,r)=>s+r.value,0);
  const as=importedAccounts.map(a=>`${a.type.toUpperCase()} "${a.name}": $${Math.round(a.rows.reduce((s,r)=>s+r.value,0)).toLocaleString()} · ${a.rows.length} pos`).join('\n');
  const t10=[...allImportedRows].sort((a,b)=>b.value-a.value).slice(0,10).map(r=>`${r.sym} (${r.acctType.toUpperCase()}): $${Math.round(r.value).toLocaleString()} — ${r.desc.slice(0,35)}`).join('\n');
  const prom=`You are analyzing Samir's real Fidelity portfolio (Jun 9 2026) for retirement rebalancing.\n\nACCOUNTS:\n${as}\nTotal: $${Math.round(tot).toLocaleString()}\n\nTOP 10:\n${t10}\n\nKEY FACTS:\n- FCTDX/FUSIX/FIWGX/FGOMX/FBLTX/FSPWX/FFPLX/FZOLX/FSCJX/FIFGX/FSRJX = Fidelity SAI 0% ER — KEEP\n- NIO in Brokerage: 2417 shares @ $5.24, cost $60,293, LOSS -$47,637 (-79%) — TAX LOSS HARVEST\n- Rollover IRA MM: $17,388 uninvested · Roth IRA MM: $2,659 uninvested · Brokerage MM: $148,862 dry powder\n- Age ~65, spouse Chadia ~51, RMDs at 75, IRMAA threshold $206K, Roth conversion target $142K/yr\n\nProvide: 1) Portfolio assessment (3 sentences) 2) 5-7 specific recommendations (ACTION: symbol in account — reason — Tax impact) 3) Roth conversion strategy (2-3 sentences) 4) Biggest risk (1 sentence)`;
  try{
    const k=getApiKey();const h={'Content-Type':'application/json','anthropic-version':'2023-06-01','anthropic-dangerous-direct-browser-access':'true'};if(k)h['x-api-key']=k;
    const rs=await fetch('https://api.anthropic.com/v1/messages',{method:'POST',headers:h,body:JSON.stringify({model:'claude-sonnet-4-20250514',max_tokens:1200,messages:[{role:'user',content:prom}]})});
    const d=await rs.json();if(d.error)throw new Error(d.error.message);
    renderRebAdvice(d.content.filter(b=>b.type==='text').map(b=>b.text).join(''),true);
  }catch(e){renderRebAdvice(offlineRebal(),false);}
  if(btn){btn.textContent='↻ Regenerate';btn.style.color='';}
}
function offlineRebal(){return`PORTFOLIO ASSESSMENT: Your $2.47M Fidelity portfolio is well-structured with zero-fee Fidelity SAI funds dominating both the Rollover IRA ($2.15M) and Roth IRA ($328K) — a significant long-term advantage. The $546K unrealized gain (+28.4%) reflects strong performance across US equity, international, and fixed income sleeves. The two most actionable items are the NIO tax-loss harvest in your taxable brokerage and deploying the uninvested MM cash across both IRAs.\n\nSPECIFIC RECOMMENDATIONS:\nHARVEST: NIO in Brokerage-Stocks — sell all 2,417 shares at $5.24 to realize -$47,637 tax loss. Deduct $3,000 against 2026 ordinary income; carry forward $44,637. Replace after 31 days with BYDDF or similar to avoid wash sale. Tax impact: -$3,000 reduction in 2026 taxable income.\nDEPLOY: $17,388 MM cash in Rollover IRA — invest in FCTDX (0% ER US total stock). Idle cash at this account size represents ~$1,200/yr in foregone returns. Tax impact: $0 within IRA.\nDEPLOY: $2,659 MM cash in Roth IRA — invest in FCTDX for maximum tax-free compounding. Every uninvested dollar in Roth permanently foregoes tax-free growth. Tax impact: $0.\nHOLD: All Fidelity SAI positions (FCTDX, FUSIX, FGOMX, FIWGX, FBLTX, FSPWX, FFPLX, FZOLX, FSCJX, FIFGX, FSRJX) — 0% expense ratio institutional funds, optimally placed. No changes needed.\nREVIEW: $148,862 SPAXX in Brokerage — maintain as strategic dry powder. Deploy $50-75K into FCTDX on any S&P 500 correction of 10%+ per your existing trigger plan.\nCONVERT: $142,000 Roth conversion from Rollover IRA before Dec 31, 2026 — see Roth strategy below.\n\nROTH CONVERSION STRATEGY: Convert $142,000 from Rollover IRA (sell FCTDX shares, transfer cash to Roth IRA) before December 31, 2026. This keeps 2026 MAGI safely below the $206K IRMAA Tier 1 threshold with a $4K buffer. At $2.15M Rollover IRA balance, this annual conversion reduces future age-75 RMDs by approximately $5,700/yr permanently.\n\nBIGGEST RISK: Your $2.15M Rollover IRA will force $100K+ in taxable annual RMDs beginning at age 75 — the NIO harvest (-$3K tax savings now) and $142K Roth conversion are the two highest-ROI moves available this calendar year.\n\n⚡ Offline mode. Run: python3 -m http.server 8080 for live AI analysis.`;}
function renderRebAdvice(txt,live){
  const adv=document.getElementById('rebalAdvice');if(adv)adv.innerHTML=`<div class="ai-advice-block">${txt.replace(/\n\n/g,'<br><br>').replace(/\n/g,'<br>')}</div>`;
  const tm=txt.match(/(HARVEST|SELL|BUY|DEPLOY|CONVERT|HOLD|MOVE|TRIM|REVIEW)[^\n]+/gi)||[];
  if(tm.length>0){
    const tl=document.getElementById('tradeList'),tr=document.getElementById('tradeRows'),rs=document.getElementById('rebalSummary');
    if(tl)tl.style.display='block';
    const aC={'BUY':'buy','DEPLOY':'buy','CONVERT':'move','HARVEST':'sell','SELL':'sell','TRIM':'sell','MOVE':'move','HOLD':'hold','REVIEW':'hold'};
    if(tr)tr.innerHTML=tm.map(t=>{const a=(t.match(/^(HARVEST|SELL|BUY|DEPLOY|CONVERT|HOLD|MOVE|TRIM|REVIEW)/i)||['HOLD'])[0].toUpperCase();return`<div class="rebal-row"><span class="rebal-action ${aC[a]||'hold'}">${a}</span><div style="flex:1;font-size:12px;color:var(--ink-dim);line-height:1.6;">${t.replace(/^(HARVEST|SELL|BUY|DEPLOY|CONVERT|HOLD|MOVE|TRIM|REVIEW)\s*:?\s*/i,'')}</div></div>`;}).join('');
    if(rs)rs.innerHTML=`${tm.length} recommendations${live?' (Claude AI)':' (offline)'}. IRA/Roth trades are $0 tax. NIO harvest and Roth conversion are priority. Review with your advisor.`;
  }
}
function syncToPortfolio(){
  if(!allImportedRows.length)return;
  if(!window.confirm(`Update Portfolio Registry with ${allImportedRows.length} Fidelity positions?`))return;
  let added=0,updated=0;
  allImportedRows.forEach(r=>{const ex=HOLDINGS.find(h=>h.sym===r.sym);if(ex){ex.shares=r.qty;ex.price=r.price;ex.name=r.desc.slice(0,50);updated++;}else{HOLDINGS.push({sym:r.sym,name:r.desc.slice(0,50),shares:r.qty,price:r.price,target:0,change:r.priceChg||0,type:'Fidelity',sector:'US Equity'});added++;}});
  saveHoldings(HOLDINGS);alert(`✓ ${added} added, ${updated} updated.`);
}


// ============================================================
//  LIVE PRICE REFRESH ENGINE
//  Fetches NAV/price for all imported positions
//  Uses 3 sources in sequence: Yahoo via corsproxy, allorigins, Finnhub
//  Mutual funds (FXXXXX) update once daily at 4pm ET — that is correct
// ============================================================

async function refreshLivePrices() {
  if (!allImportedRows || !allImportedRows.length) {
    alert('Import a Fidelity CSV first, then refresh prices.');
    return;
  }

  const btn    = document.getElementById('refreshPricesBtn');
  const btn2   = document.getElementById('analysisRefreshBtn');
  const status = document.getElementById('refreshStatus');

  const setStatus = (msg, color) => {
    if (status) { status.textContent = msg; status.style.color = color || 'var(--ink-faint)'; }
  };
  const setBtnState = (loading) => {
    if (btn)  { btn.textContent  = loading ? '⏳ Fetching…' : '↻ REFRESH LIVE PRICES'; btn.style.opacity  = loading ? '0.6' : '1'; }
    if (btn2) { btn2.textContent = loading ? '⏳ Fetching…' : '↻ Refresh prices';       btn2.style.opacity = loading ? '0.6' : '1'; }
  };

  setBtnState(true);
  setStatus('Fetching prices for ' + allImportedRows.length + ' positions…', 'var(--amber)');

  // Deduplicate symbols
  const syms = [...new Set(allImportedRows.map(r => r.sym))];
  const results = {};
  let fetched = 0, failed = 0;

  // Fetch in small batches to avoid rate limits
  const BATCH = 5;
  for (let i = 0; i < syms.length; i += BATCH) {
    const batch = syms.slice(i, i + BATCH);
    setStatus(`Fetching ${i + 1}–${Math.min(i + BATCH, syms.length)} of ${syms.length}…`, 'var(--amber)');

    await Promise.all(batch.map(async sym => {
      const price = await fetchPrice(sym);
      if (price !== null) {
        results[sym] = price;
        fetched++;
      } else {
        failed++;
      }
    }));

    // Small delay between batches to respect rate limits
    if (i + BATCH < syms.length) await sleep(400);
  }

  // Update allImportedRows with new prices
  let updated = 0;
  allImportedRows.forEach(r => {
    if (results[r.sym] !== undefined && results[r.sym] > 0) {
      const oldPrice = r.price;
      r.price = results[r.sym];
      // Recalculate value
      if (r.qty > 0) {
        r.value = r.qty * r.price;
        // Recalculate gain/loss if we have cost basis
        if (r.cost > 0) r.gl = r.value - r.cost;
      }
      updated++;
    }
  });

  // Re-render everything
  renderImportPreview();
  if (document.getElementById('analysisSection') && document.getElementById('analysisSection').style.display !== 'none') {
    renderQGrid();
    renderAllocBars();
    renderFeeTbl();
  }

  setBtnState(false);

  const now = new Date().toLocaleTimeString('en-US', {hour:'2-digit', minute:'2-digit', timeZone:'America/New_York'});
  if (failed === 0) {
    setStatus(`✓ All ${fetched} prices updated · ${now} ET`, 'var(--green)');
  } else {
    setStatus(`✓ ${fetched} updated · ${failed} not found · ${now} ET`, fetched > 0 ? 'var(--amber)' : 'var(--red)');
  }

  // Flash the table to show update
  const tb = document.getElementById('importTableBody');
  if (tb) { tb.style.opacity = '0.4'; setTimeout(() => tb.style.opacity = '1', 200); }
}

function sleep(ms) { return new Promise(r => setTimeout(r, ms)); }

// ---- Price fetcher with 3 fallbacks ----
async function fetchPrice(sym) {
  // Source 1: Yahoo Finance via corsproxy.io
  try {
    const url = `https://query1.finance.yahoo.com/v8/finance/chart/${encodeURIComponent(sym)}?interval=1d&range=1d`;
    const res  = await fetch('https://corsproxy.io/?' + encodeURIComponent(url), {
      signal: AbortSignal.timeout(4000)
    });
    if (!res.ok) throw new Error('HTTP ' + res.status);
    const data = await res.json();
    const meta = data?.chart?.result?.[0]?.meta;
    if (meta?.regularMarketPrice > 0) return meta.regularMarketPrice;
    if (meta?.previousClose      > 0) return meta.previousClose;
    throw new Error('No price in response');
  } catch(e) { /* fall through */ }

  // Source 2: Yahoo via allorigins (different proxy)
  try {
    const inner = `https://query2.finance.yahoo.com/v8/finance/chart/${encodeURIComponent(sym)}?interval=1d&range=1d`;
    const url   = `https://api.allorigins.win/get?url=${encodeURIComponent(inner)}`;
    const res   = await fetch(url, { signal: AbortSignal.timeout(5000) });
    const json  = await res.json();
    const data  = JSON.parse(json.contents || '{}');
    const meta  = data?.chart?.result?.[0]?.meta;
    if (meta?.regularMarketPrice > 0) return meta.regularMarketPrice;
    throw new Error('No price');
  } catch(e) { /* fall through */ }

  // Source 3: Finnhub (uses saved API key if available, else public endpoint)
  try {
    const key = getApiKey();
    // Finnhub has a public demo key that works for basic quotes
    const finnhubKey = key && key.startsWith('sk-ant-') ? null : key; // don't use Anthropic key for Finnhub
    const fKey = finnhubKey || 'd0qsmkqad3i8q1r0i8ggd0qsmkqad3i8q1r0i8h';
    const res  = await fetch(
      `https://finnhub.io/api/v1/quote?symbol=${encodeURIComponent(sym)}&token=${fKey}`,
      { signal: AbortSignal.timeout(4000) }
    );
    const data = await res.json();
    if (data.c > 0) return data.c;
    throw new Error('No price');
  } catch(e) { /* fall through */ }

  return null; // all sources failed
}

// ---- Also wire ↻ Refresh button on skills layer to trigger price refresh ----
// Override the existing refreshSkills to also suggest price refresh
const _origRefreshSkills = typeof refreshSkills === 'function' ? refreshSkills : () => {};
function refreshSkillsAndPrices() {
  _origRefreshSkills();
  // If we have imported rows, also refresh those prices
  if (typeof allImportedRows !== 'undefined' && allImportedRows.length > 0) {
    refreshLivePrices();
  }
}

// ---- Price refresh for Portfolio Registry holdings (not just imported) ----
async function refreshPortfolioPrices() {
  if (!HOLDINGS || !HOLDINGS.length) return;

  const btn = document.querySelector('[onclick*="refreshSkills"]');
  const syms = [...new Set(HOLDINGS.map(h => h.sym))];
  let updated = 0;

  for (let i = 0; i < syms.length; i += 5) {
    const batch = syms.slice(i, i + 5);
    await Promise.all(batch.map(async sym => {
      const price = await fetchPrice(sym);
      if (price !== null && price > 0) {
        HOLDINGS.filter(h => h.sym === sym).forEach(h => { h.price = price; });
        updated++;
      }
    }));
    if (i + 5 < syms.length) await sleep(350);
  }

  if (updated > 0) {
    saveHoldings(HOLDINGS);
    if (typeof renderHoldingsManager === 'function') renderHoldingsManager();
    if (typeof renderIndicatorTable  === 'function') renderIndicatorTable();
    if (typeof renderMATable         === 'function') renderMATable();
    if (typeof updateTickerTape      === 'function') updateTickerTape();
    if (typeof updateAISystemPrompt  === 'function') updateAISystemPrompt();
  }
  return updated;
}