MonetaryWealth AI Decision Engine<\/title>\n<style>\n * { margin: 0; padding: 0; box-sizing: border-box; }\n body {\n font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;\n color: #0f172a;\n background: #f8fafc;\n line-height: 1.6;\n -webkit-font-smoothing: antialiased;\n }\n .container { max-width: 720px; margin: 0 auto; padding: 0 20px; }\n .container-wide { max-width: 1100px; margin: 0 auto; padding: 0 20px; }\n\n \/* Header *\/\n header {\n background: #ffffff;\n border-bottom: 1px solid #e2e8f0;\n padding: 16px 0;\n position: sticky;\n top: 0;\n z-index: 50;\n }\n .logo { display: flex; align-items: center; }\n .logo img {\n height: 28px;\n width: auto;\n display: block;\n }\n\n \/* Hero *\/\n .hero { padding: 60px 0 40px; text-align: center; }\n .hero h1 {\n font-size: 36px; font-weight: 700; line-height: 1.2;\n color: #0f172a; margin-bottom: 16px; letter-spacing: -0.02em;\n }\n .hero p {\n font-size: 17px; color: #475569; margin-bottom: 28px;\n max-width: 540px; margin-left: auto; margin-right: auto;\n }\n .hero-image {\n display: block;\n width: 100%;\n max-width: 420px;\n height: auto;\n margin: 0 auto 32px;\n border-radius: 14px;\n box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08), 0 2px 6px rgba(15, 23, 42, 0.04);\n }\n .cta-microcopy {\n margin-top: 14px;\n font-size: 13px;\n color: #94a3b8;\n }\n .hero-authority {\n margin-top: 18px;\n font-size: 13px;\n color: #94a3b8;\n font-style: italic;\n }\n .btn {\n display: inline-block;\n background: #2563eb;\n color: #fff;\n border: none;\n padding: 14px 28px;\n font-size: 16px;\n font-weight: 600;\n border-radius: 10px;\n cursor: pointer;\n text-decoration: none;\n transition: background 0.15s ease;\n font-family: inherit;\n }\n .btn:hover { background: #1d4ed8; }\n .btn-large { padding: 16px 32px; font-size: 17px; width: 100%; max-width: 320px; }\n .btn-block { width: 100%; padding: 16px; font-size: 17px; }\n\n \/* Trust row *\/\n .trust {\n display: flex; justify-content: center; gap: 24px;\n margin-top: 24px; font-size: 13px; color: #64748b;\n flex-wrap: wrap;\n }\n .trust span { display: flex; align-items: center; gap: 6px; }\n .trust svg { width: 14px; height: 14px; stroke: #2563eb; }\n\n \/* Card *\/\n .card {\n background: #ffffff;\n border: 1px solid #e2e8f0;\n border-radius: 14px;\n padding: 32px;\n margin-bottom: 24px;\n }\n .card h2 {\n font-size: 22px; font-weight: 700; margin-bottom: 8px; letter-spacing: -0.01em;\n }\n .card .subtitle { color: #64748b; font-size: 15px; margin-bottom: 24px; }\n\n \/* Form *\/\n .form-group { margin-bottom: 18px; }\n .form-group label {\n display: block; font-size: 14px; font-weight: 600;\n color: #334155; margin-bottom: 6px;\n }\n .form-group input, .form-group select {\n width: 100%;\n padding: 12px 14px;\n font-size: 16px;\n border: 1px solid #cbd5e1;\n border-radius: 8px;\n background: #fff;\n color: #0f172a;\n font-family: inherit;\n transition: border-color 0.15s ease, box-shadow 0.15s ease;\n }\n .form-group input:focus, .form-group select:focus {\n outline: none;\n border-color: #2563eb;\n box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);\n }\n .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }\n\n \/* Results *\/\n #results { display: none; padding-top: 8px; }\n\n .score-wrap {\n display: flex; flex-direction: column; align-items: center;\n padding: 24px 0 8px;\n }\n .score-circle {\n position: relative;\n width: 160px; height: 160px;\n }\n .score-circle svg { transform: rotate(-90deg); width: 100%; height: 100%; }\n .score-bg { stroke: #e2e8f0; }\n .score-fg { stroke: #2563eb; transition: stroke-dashoffset 0.8s ease; stroke-linecap: round; }\n .score-text {\n position: absolute; inset: 0;\n display: flex; flex-direction: column; align-items: center; justify-content: center;\n }\n .score-num { font-size: 42px; font-weight: 700; color: #0f172a; letter-spacing: -0.02em; }\n .score-label { font-size: 12px; color: #64748b; text-transform: uppercase; letter-spacing: 0.08em; }\n .score-tag {\n margin-top: 14px;\n padding: 4px 12px;\n background: #eff6ff;\n color: #1d4ed8;\n border-radius: 999px;\n font-size: 13px;\n font-weight: 600;\n }\n\n \/* Status indicators *\/\n .indicators {\n display: grid;\n grid-template-columns: repeat(3, 1fr);\n gap: 12px;\n margin-top: 28px;\n }\n .indicator {\n background: #f8fafc;\n border: 1px solid #e2e8f0;\n border-radius: 10px;\n padding: 14px;\n text-align: center;\n }\n .indicator .name { font-size: 12px; color: #64748b; margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.05em; font-weight: 600; }\n .indicator .value { font-size: 15px; font-weight: 700; color: #0f172a; }\n .indicator .dot { display: inline-block; width: 8px; height: 8px; border-radius: 50%; margin-right: 6px; vertical-align: middle; }\n .dot-green { background: #10b981; }\n .dot-amber { background: #f59e0b; }\n .dot-red { background: #ef4444; }\n\n \/* Bottleneck *\/\n .bottleneck {\n margin-top: 24px;\n padding: 16px 18px;\n background: #fffbeb;\n border: 1px solid #fde68a;\n border-radius: 10px;\n color: #78350f;\n font-size: 15px;\n }\n .bottleneck strong { color: #78350f; }\n .bottleneck-note {\n margin-top: 12px;\n color: #1d4ed8;\n font-weight: 600;\n }\n\n \/* Bridge line *\/\n .bridge-line {\n margin-top: 20px;\n text-align: center;\n color: #1d4ed8;\n font-weight: 500;\n font-size: 15px;\n padding: 12px 16px;\n background: #eff6ff;\n border-radius: 8px;\n }\n\n \/* Locked preview *\/\n .locked-section {\n margin-top: 24px;\n position: relative;\n border-radius: 10px;\n overflow: hidden;\n background: #f8fafc;\n border: 1px solid #e2e8f0;\n padding: 24px;\n }\n .locked-content {\n filter: blur(5px);\n user-select: none;\n pointer-events: none;\n color: #475569;\n font-size: 15px;\n line-height: 1.7;\n }\n .lock-overlay {\n position: absolute;\n inset: 0;\n display: flex;\n align-items: center;\n justify-content: center;\n background: linear-gradient(180deg, rgba(248, 250, 252, 0.4) 0%, rgba(248, 250, 252, 0.85) 100%);\n }\n .lock-badge {\n background: #fff;\n border: 1px solid #e2e8f0;\n padding: 10px 16px;\n border-radius: 999px;\n font-size: 14px;\n font-weight: 600;\n color: #0f172a;\n display: flex; align-items: center; gap: 8px;\n box-shadow: 0 1px 2px rgba(0,0,0,0.04);\n }\n .lock-badge svg { width: 14px; height: 14px; stroke: #2563eb; }\n\n \/* Paywall *\/\n .paywall { background: #0f172a; color: #fff; border: none; }\n .paywall h2 { color: #fff; font-size: 24px; text-align: center; }\n .paywall .subtitle { color: #cbd5e1; text-align: center; margin-bottom: 32px; }\n\n \/* Pricing tiers *\/\n .pricing-grid {\n display: grid;\n grid-template-columns: 1fr 1.1fr 1fr;\n gap: 18px;\n margin-bottom: 16px;\n align-items: stretch;\n }\n .tier {\n background: #ffffff;\n border: 1px solid #e2e8f0;\n border-radius: 12px;\n padding: 24px 20px;\n display: flex;\n flex-direction: column;\n text-align: center;\n color: #0f172a;\n transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;\n position: relative;\n }\n .tier:hover {\n transform: translateY(-4px);\n box-shadow: 0 12px 28px rgba(0, 0, 0, 0.18);\n border-color: #cbd5e1;\n }\n .tier-image {\n width: 100%;\n max-width: 180px;\n height: 130px;\n object-fit: contain;\n margin: 0 auto 16px;\n display: block;\n }\n .tier-title {\n font-size: 16px;\n font-weight: 700;\n color: #0f172a;\n margin-bottom: 10px;\n letter-spacing: -0.01em;\n line-height: 1.3;\n min-height: 42px;\n display: flex;\n align-items: center;\n justify-content: center;\n }\n .tier-price {\n font-size: 32px;\n font-weight: 700;\n color: #0f172a;\n letter-spacing: -0.02em;\n margin-bottom: 4px;\n }\n .tier-price-note {\n font-size: 13px;\n color: #64748b;\n margin-bottom: 16px;\n }\n .tier-features {\n list-style: none;\n margin: 0 0 18px;\n padding: 14px 0 0;\n border-top: 1px solid #e2e8f0;\n text-align: left;\n }\n .tier-features li {\n font-size: 14px;\n color: #334155;\n padding: 5px 0 5px 22px;\n position: relative;\n line-height: 1.45;\n }\n .tier-features li::before {\n content: \"\";\n position: absolute;\n left: 0;\n top: 11px;\n width: 12px;\n height: 6px;\n border-left: 2px solid #2563eb;\n border-bottom: 2px solid #2563eb;\n transform: rotate(-45deg);\n }\n .tier-note {\n font-size: 12px;\n color: #b91c1c;\n font-style: italic;\n margin-top: 4px;\n margin-bottom: 16px;\n line-height: 1.4;\n text-align: left;\n padding: 8px 10px;\n background: #fef2f2;\n border-left: 3px solid #fca5a5;\n border-radius: 4px;\n }\n .tier-microcopy {\n font-size: 12px;\n color: #1d4ed8;\n font-weight: 600;\n margin-top: 10px;\n line-height: 1.4;\n }\n .tier-btn {\n margin-top: auto;\n display: block;\n width: 100%;\n background: #2563eb;\n color: #fff;\n text-decoration: none;\n padding: 12px 16px;\n font-size: 15px;\n font-weight: 600;\n border-radius: 8px;\n transition: background 0.15s ease;\n }\n .tier-btn:hover { background: #1d4ed8; }\n\n \/* Pro tier highlight *\/\n .tier-pro {\n border: 2px solid #2563eb;\n box-shadow: 0 12px 30px rgba(37, 99, 235, 0.22);\n transform: translateY(-8px);\n background: #ffffff;\n padding: 28px 22px;\n }\n .tier-pro:hover {\n transform: translateY(-12px);\n box-shadow: 0 18px 40px rgba(37, 99, 235, 0.28);\n }\n .tier-pro .tier-price {\n color: #2563eb;\n font-size: 36px;\n }\n .tier-pro .tier-btn {\n background: #2563eb;\n padding: 14px 16px;\n font-size: 16px;\n }\n .tier-pro .tier-btn:hover { background: #1d4ed8; }\n .tier-badge {\n position: absolute;\n top: -12px;\n left: 50%;\n transform: translateX(-50%);\n background: #2563eb;\n color: #fff;\n font-size: 11px;\n font-weight: 700;\n text-transform: uppercase;\n letter-spacing: 0.08em;\n padding: 5px 12px;\n border-radius: 999px;\n white-space: nowrap;\n }\n\n .paywall .fine { text-align: center; color: #94a3b8; font-size: 13px; margin-top: 16px; }\n .paywall .fine-secondary { text-align: center; color: #94a3b8; font-size: 12px; margin-top: 4px; }\n\n \/* Footer *\/\n footer {\n text-align: center; padding: 32px 20px;\n color: #94a3b8; font-size: 13px;\n border-top: 1px solid #e2e8f0;\n background: #fff;\n margin-top: 40px;\n }\n\n @media (max-width: 880px) {\n .pricing-grid {\n grid-template-columns: 1fr;\n gap: 24px;\n }\n .tier-pro {\n transform: none;\n padding: 24px 20px;\n }\n .tier-pro:hover {\n transform: translateY(-4px);\n }\n .tier-title { min-height: 0; }\n }\n\n @media (max-width: 600px) {\n .hero { padding: 40px 0 24px; }\n .hero h1 { font-size: 28px; }\n .hero p { font-size: 16px; }\n .hero-image { margin-bottom: 24px; }\n .card { padding: 22px; border-radius: 12px; }\n .form-row { grid-template-columns: 1fr; }\n .indicators { grid-template-columns: 1fr; }\n .trust { gap: 14px; font-size: 12px; }\n }\n<\/style>\n<\/head>\n<body>\n\n<header>\n <div class=\"container\" style=\"display:flex;align-items:center;justify-content:space-between;\">\n <div class=\"logo\">\n <img decoding=\"async\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/monetarywealthlogo.webp\" alt=\"MonetaryWealth\">\n <\/div>\n <div style=\"font-size:13px;color:#64748b;\">AI Decision Engine<\/div>\n <\/div>\n<\/header>\n\n<section class=\"hero\">\n <div class=\"container\">\n <h1>Make the Right Financial Decision \u2014 Based on Your Numbers<\/h1>\n <p>See your financial score, identify your biggest constraint, and get a clear plan to fix it.<\/p>\n <img decoding=\"async\" class=\"hero-image\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/monetarywealth-score.png\" alt=\"MonetaryWealth Score Preview\">\n <button class=\"btn btn-large\" onclick=\"document.getElementById('form-card').scrollIntoView({behavior:'smooth'})\">Start Free Money Checkup<\/button>\n <div class=\"cta-microcopy\">Get your score free. Unlock the full plan instantly.<\/div>\n <div class=\"hero-authority\">Structured financial decision system based on core financial principles.<\/div>\n <div class=\"trust\">\n <span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg> Private & secure<\/span>\n <span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg> Takes 60 seconds<\/span>\n <span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg> No signup needed<\/span>\n <\/div>\n <\/div>\n<\/section>\n\n<div class=\"container\">\n\n <div class=\"card\" id=\"form-card\">\n <h2>Your Financial Snapshot<\/h2>\n <p class=\"subtitle\">All numbers stay in your browser. Nothing is sent or stored.<\/p>\n\n <form id=\"financeForm\" autocomplete=\"off\">\n <div class=\"form-row\">\n <div class=\"form-group\">\n <label for=\"income\">Monthly Income<\/label>\n <input type=\"number\" id=\"income\" min=\"0\" step=\"any\" placeholder=\"e.g. 5000\" required>\n <\/div>\n <div class=\"form-group\">\n <label for=\"expenses\">Monthly Expenses<\/label>\n <input type=\"number\" id=\"expenses\" min=\"0\" step=\"any\" placeholder=\"e.g. 3500\" required>\n <\/div>\n <\/div>\n\n <div class=\"form-row\">\n <div class=\"form-group\">\n <label for=\"savings\">Cash Savings<\/label>\n <input type=\"number\" id=\"savings\" min=\"0\" step=\"any\" placeholder=\"e.g. 8000\" required>\n <\/div>\n <div class=\"form-group\">\n <label for=\"debt\">High-Interest Debt<\/label>\n <input type=\"number\" id=\"debt\" min=\"0\" step=\"any\" placeholder=\"e.g. 4000\" required>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"available\">Monthly Amount Available to Save or Invest<\/label>\n <input type=\"number\" id=\"available\" min=\"0\" step=\"any\" placeholder=\"e.g. 500\" required>\n <\/div>\n\n <div class=\"form-row\">\n <div class=\"form-group\">\n <label for=\"goal\">Goal<\/label>\n <select id=\"goal\" required>\n <option value=\"wealth\">Build Wealth<\/option>\n <option value=\"debt\">Pay Off Debt<\/option>\n <option value=\"cashflow\">Improve Cash Flow<\/option>\n <option value=\"invest\">Decide Whether to Invest<\/option>\n <\/select>\n <\/div>\n <div class=\"form-group\">\n <label for=\"risk\">Risk Tolerance<\/label>\n <select id=\"risk\" required>\n <option value=\"conservative\">Conservative<\/option>\n <option value=\"balanced\" selected>Balanced<\/option>\n <option value=\"aggressive\">Aggressive<\/option>\n <\/select>\n <\/div>\n <\/div>\n\n <button type=\"submit\" class=\"btn btn-block\">Analyze My Finances<\/button>\n <\/form>\n <\/div>\n\n <div id=\"results\">\n\n <div class=\"card\">\n <h2>Your Financial Health Score<\/h2>\n <p class=\"subtitle\">A snapshot of your current financial position.<\/p>\n\n <div class=\"score-wrap\">\n <div class=\"score-circle\">\n <svg viewBox=\"0 0 120 120\">\n <circle class=\"score-bg\" cx=\"60\" cy=\"60\" r=\"52\" fill=\"none\" stroke-width=\"10\"\/>\n <circle class=\"score-fg\" id=\"scoreArc\" cx=\"60\" cy=\"60\" r=\"52\" fill=\"none\" stroke-width=\"10\"\n stroke-dasharray=\"326.7\" stroke-dashoffset=\"326.7\"\/>\n <\/svg>\n <div class=\"score-text\">\n <div class=\"score-num\" id=\"scoreNum\">0<\/div>\n <div class=\"score-label\">out of 100<\/div>\n <\/div>\n <\/div>\n <div class=\"score-tag\" id=\"scoreTag\">Calculating\u2026<\/div>\n <\/div>\n\n <div class=\"indicators\">\n <div class=\"indicator\">\n <div class=\"name\">Cash Flow<\/div>\n <div class=\"value\"><span class=\"dot\" id=\"cfDot\"><\/span><span id=\"cfText\">\u2014<\/span><\/div>\n <\/div>\n <div class=\"indicator\">\n <div class=\"name\">Emergency Fund<\/div>\n <div class=\"value\"><span class=\"dot\" id=\"efDot\"><\/span><span id=\"efText\">\u2014<\/span><\/div>\n <\/div>\n <div class=\"indicator\">\n <div class=\"name\">Debt Pressure<\/div>\n <div class=\"value\"><span class=\"dot\" id=\"dpDot\"><\/span><span id=\"dpText\">\u2014<\/span><\/div>\n <\/div>\n <\/div>\n\n <div class=\"bottleneck\" id=\"bottleneck\">\n <strong>Main bottleneck:<\/strong> <span id=\"bottleneckText\"><\/span>\n <div class=\"bottleneck-note\">Most users with your profile improve their financial position within 90 days using the full plan.<\/div>\n <\/div>\n\n <div class=\"bridge-line\">Your results show a clear issue. The full report explains exactly how to fix it.<\/div>\n <\/div>\n\n <div class=\"card\">\n <h2>Your Recommended Strategy<\/h2>\n <p class=\"subtitle\">Personalized action plan based on your inputs.<\/p>\n <div class=\"locked-section\">\n <div class=\"locked-content\">\n Based on your inputs, your optimal strategy depends on how your cash flow, debt level, savings buffer, and available monthly surplus interact. The full report shows the exact priority order, allocation breakdown, and step-by-step plan.\n <\/div>\n <div class=\"lock-overlay\">\n <div class=\"lock-badge\">\n <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\"\/><path d=\"M7 11V7a5 5 0 0110 0v4\"\/><\/svg>\n Unlock to view your full plan\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card paywall\">\n <h2>Choose Your Financial Plan<\/h2>\n <p class=\"subtitle\">Start with a quick overview or unlock a complete step-by-step strategy.<\/p>\n\n <div class=\"pricing-grid\">\n\n <div class=\"tier\">\n <img decoding=\"async\" class=\"tier-image\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/monetarywealth-score.png\" alt=\"Essential Report\">\n <div class=\"tier-title\">Essential Report<\/div>\n <div class=\"tier-price\">$9<\/div>\n <div class=\"tier-price-note\">one-time payment<\/div>\n <ul class=\"tier-features\">\n <li>Financial health summary<\/li>\n <li>Main bottleneck breakdown<\/li>\n <li>Top 3 priority actions<\/li>\n <\/ul>\n <div class=\"tier-note\">Does not include full allocation plan or detailed strategy.<\/div>\n <a class=\"tier-btn\" href=\"https:\/\/buy.stripe.com\/8x25kEgDu4Bqe8kfqRdjO00\" target=\"_blank\" rel=\"noopener\">Get Basic Insights<\/a>\n <\/div>\n\n <div class=\"tier tier-pro\">\n <div class=\"tier-badge\">Most Popular<\/div>\n <img decoding=\"async\" class=\"tier-image\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/Pro-Plan-Monetary-Wealth.png\" alt=\"Complete Decision Report\">\n <div class=\"tier-title\">Complete Decision Report<\/div>\n <div class=\"tier-price\">$19<\/div>\n <div class=\"tier-price-note\">one-time payment<\/div>\n <ul class=\"tier-features\">\n <li>Includes full allocation plan<\/li>\n <li>Step-by-step 90-day roadmap<\/li>\n <li>Clear long-term direction<\/li>\n <li>12-month financial roadmap<\/li>\n <li>Downloadable PDF report<\/li>\n <\/ul>\n <div class=\"tier-microcopy\">Most users choose this to get a complete, actionable plan.<\/div>\n <a class=\"tier-btn\" href=\"https:\/\/buy.stripe.com\/eVqeVedri2tiggsdiJdjO01\" target=\"_blank\" rel=\"noopener\">Unlock Full Plan<\/a>\n <\/div>\n\n <div class=\"tier\">\n <img decoding=\"async\" class=\"tier-image\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/Monetary-Wealth-Premium-Decision-.png\" alt=\"Advanced Strategy Report\">\n <div class=\"tier-title\">Advanced Strategy Report<\/div>\n <div class=\"tier-price\">$29<\/div>\n <div class=\"tier-price-note\">one-time payment<\/div>\n <ul class=\"tier-features\">\n <li>Everything in Complete<\/li>\n <li>Scenario comparisons<\/li>\n <li>Multiple strategy paths<\/li>\n <li>Deeper financial analysis<\/li>\n <li>Long-term projections<\/li>\n <\/ul>\n <a class=\"tier-btn\" href=\"https:\/\/buy.stripe.com\/8x214o2ME0la5BO92tdjO02\" target=\"_blank\" rel=\"noopener\">Get Advanced Analysis<\/a>\n <\/div>\n\n <\/div>\n\n <div class=\"fine\">Secure checkout. Instant access. No subscription.<\/div>\n <div class=\"fine-secondary\">Instant access after payment. No account required.<\/div>\n <\/div>\n\n <\/div>\n<\/div>\n\n<footer>\n \u00a9 2026 MonetaryWealth AI Decision Engine \u00b7 For educational use only. Not financial advice.\n<\/footer>\n\n<script>\n const form = document.getElementById('financeForm');\n const results = document.getElementById('results');\n\n form.addEventListener('submit', function(e) {\n e.preventDefault();\n\n const income = parseFloat(document.getElementById('income').value) || 0;\n const expenses = parseFloat(document.getElementById('expenses').value) || 0;\n const savings = parseFloat(document.getElementById('savings').value) || 0;\n const debt = parseFloat(document.getElementById('debt').value) || 0;\n const available = parseFloat(document.getElementById('available').value) || 0;\n\n const monthlySurplus = income - expenses;\n const emergencyMonths = expenses > 0 ? savings \/ expenses : (savings > 0 ? 12 : 0);\n const debtPressure = income > 0 ? debt \/ income : (debt > 0 ? 5 : 0);\n\n \/\/ ----- Cash flow score (0-35) -----\n let cfScore = 0;\n const surplusRatio = income > 0 ? monthlySurplus \/ income : 0;\n if (surplusRatio >= 0.3) cfScore = 35;\n else if (surplusRatio >= 0.2) cfScore = 28;\n else if (surplusRatio >= 0.1) cfScore = 20;\n else if (surplusRatio > 0) cfScore = 12;\n else if (surplusRatio === 0) cfScore = 5;\n else cfScore = 0;\n\n \/\/ ----- Emergency fund score (0-35) -----\n let efScore = 0;\n if (emergencyMonths >= 6) efScore = 35;\n else if (emergencyMonths >= 3) efScore = 25;\n else if (emergencyMonths >= 1) efScore = 14;\n else if (emergencyMonths > 0) efScore = 6;\n else efScore = 0;\n\n \/\/ ----- Debt pressure score (0-30) -----\n let dpScore = 0;\n if (debtPressure === 0) dpScore = 30;\n else if (debtPressure < 0.5) dpScore = 24;\n else if (debtPressure < 1) dpScore = 16;\n else if (debtPressure < 2) dpScore = 8;\n else dpScore = 2;\n\n let totalScore = Math.round(cfScore + efScore + dpScore);\n if (totalScore < 0) totalScore = 0;\n if (totalScore > 100) totalScore = 100;\n\n \/\/ ----- Status labels -----\n const cfStatus = monthlySurplus > 0 ? 'Stable' : 'Weak';\n const cfDotClass = monthlySurplus > 0 ? 'dot-green' : 'dot-red';\n\n let efStatus, efDotClass;\n if (emergencyMonths >= 3) { efStatus = 'Healthy'; efDotClass = 'dot-green'; }\n else { efStatus = 'Low'; efDotClass = emergencyMonths >= 1 ? 'dot-amber' : 'dot-red'; }\n\n let dpStatus, dpDotClass;\n if (debtPressure < 0.5) { dpStatus = 'Low'; dpDotClass = 'dot-green'; }\n else if (debtPressure < 1.5) { dpStatus = 'Moderate'; dpDotClass = 'dot-amber'; }\n else { dpStatus = 'High'; dpDotClass = 'dot-red'; }\n\n \/\/ ----- Bottleneck -----\n let bottleneck = '';\n const issues = [];\n if (debtPressure >= 1) issues.push({ type: 'debt', weight: debtPressure });\n if (emergencyMonths < 3) issues.push({ type: 'emergency', weight: 3 - emergencyMonths });\n if (monthlySurplus <= 0) issues.push({ type: 'cashflow', weight: 2 });\n\n if (issues.length === 0) {\n bottleneck = \"You're in a strong position. Your main opportunity is optimizing how your surplus is allocated between growth and protection.\";\n } else if (issues.length >= 2 && issues.some(i => i.type === 'debt') && issues.some(i => i.type === 'emergency')) {\n bottleneck = \"Your biggest issue is high-interest debt combined with limited savings. Stabilizing both at once requires a careful split of your monthly surplus.\";\n } else {\n issues.sort((a, b) => b.weight - a.weight);\n const top = issues[0].type;\n if (top === 'debt') {\n bottleneck = \"Your biggest issue is high-interest debt relative to your income. Reducing this should take priority over investing.\";\n } else if (top === 'emergency') {\n bottleneck = \"Your biggest issue is a thin emergency fund. A short cash buffer leaves you exposed to unexpected expenses.\";\n } else {\n bottleneck = \"Your biggest issue is weak cash flow \u2014 your expenses are too close to (or above) your income, leaving little room to build.\";\n }\n }\n\n \/\/ ----- Score tag -----\n let tag = '';\n if (totalScore >= 80) tag = 'Strong';\n else if (totalScore >= 60) tag = 'Healthy';\n else if (totalScore >= 40) tag = 'Needs Work';\n else tag = 'At Risk';\n\n \/\/ ----- Render -----\n document.getElementById('cfText').textContent = cfStatus;\n document.getElementById('cfDot').className = 'dot ' + cfDotClass;\n document.getElementById('efText').textContent = efStatus;\n document.getElementById('efDot').className = 'dot ' + efDotClass;\n document.getElementById('dpText').textContent = dpStatus;\n document.getElementById('dpDot').className = 'dot ' + dpDotClass;\n document.getElementById('bottleneckText').textContent = bottleneck;\n document.getElementById('scoreTag').textContent = tag;\n\n results.style.display = 'block';\n\n \/\/ Animate score\n const arc = document.getElementById('scoreArc');\n const numEl = document.getElementById('scoreNum');\n const circumference = 2 * Math.PI * 52;\n arc.setAttribute('stroke-dasharray', circumference);\n const offset = circumference - (totalScore \/ 100) * circumference;\n requestAnimationFrame(() => {\n arc.style.strokeDashoffset = offset;\n });\n\n let current = 0;\n const step = Math.max(1, Math.round(totalScore \/ 30));\n const interval = setInterval(() => {\n current += step;\n if (current >= totalScore) { current = totalScore; clearInterval(interval); }\n numEl.textContent = current;\n }, 25);\n\n \/\/ Color the arc based on score\n if (totalScore >= 70) arc.style.stroke = '#10b981';\n else if (totalScore >= 45) arc.style.stroke = '#2563eb';\n else if (totalScore >= 25) arc.style.stroke = '#f59e0b';\n else arc.style.stroke = '#ef4444';\n\n setTimeout(() => {\n results.scrollIntoView({ behavior: 'smooth', block: 'start' });\n }, 100);\n });\n<\/script>\n\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>MonetaryWealth AI Decision Engine AI Decision Engine Make the Right Financial Decision \u2014 Based on Your Numbers See your financial score, identify your biggest constraint, and get a clear plan to fix it. Start Free Money Checkup Get your score free. Unlock the full plan instantly. Structured financial decision system based on core financial principles. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-6","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/pages\/6","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/comments?post=6"}],"version-history":[{"count":17,"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/pages\/6\/revisions"}],"predecessor-version":[{"id":38,"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/pages\/6\/revisions\/38"}],"wp:attachment":[{"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/media?parent=6"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

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\n\t\t\t\t\t\n\n\n\n\nMonetaryWealth AI Decision Engine<\/title>\n<style>\n * { margin: 0; padding: 0; box-sizing: border-box; }\n body {\n font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;\n color: #0f172a;\n background: #f8fafc;\n line-height: 1.6;\n -webkit-font-smoothing: antialiased;\n }\n .container { max-width: 720px; margin: 0 auto; padding: 0 20px; }\n .container-wide { max-width: 1100px; margin: 0 auto; padding: 0 20px; }\n\n \/* Header *\/\n header {\n background: #ffffff;\n border-bottom: 1px solid #e2e8f0;\n padding: 16px 0;\n position: sticky;\n top: 0;\n z-index: 50;\n }\n .logo { display: flex; align-items: center; }\n .logo img {\n height: 28px;\n width: auto;\n display: block;\n }\n\n \/* Hero *\/\n .hero { padding: 60px 0 40px; text-align: center; }\n .hero h1 {\n font-size: 36px; font-weight: 700; line-height: 1.2;\n color: #0f172a; margin-bottom: 16px; letter-spacing: -0.02em;\n }\n .hero p {\n font-size: 17px; color: #475569; margin-bottom: 28px;\n max-width: 540px; margin-left: auto; margin-right: auto;\n }\n .hero-image {\n display: block;\n width: 100%;\n max-width: 420px;\n height: auto;\n margin: 0 auto 32px;\n border-radius: 14px;\n box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08), 0 2px 6px rgba(15, 23, 42, 0.04);\n }\n .cta-microcopy {\n margin-top: 14px;\n font-size: 13px;\n color: #94a3b8;\n }\n .hero-authority {\n margin-top: 18px;\n font-size: 13px;\n color: #94a3b8;\n font-style: italic;\n }\n .btn {\n display: inline-block;\n background: #2563eb;\n color: #fff;\n border: none;\n padding: 14px 28px;\n font-size: 16px;\n font-weight: 600;\n border-radius: 10px;\n cursor: pointer;\n text-decoration: none;\n transition: background 0.15s ease;\n font-family: inherit;\n }\n .btn:hover { background: #1d4ed8; }\n .btn-large { padding: 16px 32px; font-size: 17px; width: 100%; max-width: 320px; }\n .btn-block { width: 100%; padding: 16px; font-size: 17px; }\n\n \/* Trust row *\/\n .trust {\n display: flex; justify-content: center; gap: 24px;\n margin-top: 24px; font-size: 13px; color: #64748b;\n flex-wrap: wrap;\n }\n .trust span { display: flex; align-items: center; gap: 6px; }\n .trust svg { width: 14px; height: 14px; stroke: #2563eb; }\n\n \/* Card *\/\n .card {\n background: #ffffff;\n border: 1px solid #e2e8f0;\n border-radius: 14px;\n padding: 32px;\n margin-bottom: 24px;\n }\n .card h2 {\n font-size: 22px; font-weight: 700; margin-bottom: 8px; letter-spacing: -0.01em;\n }\n .card .subtitle { color: #64748b; font-size: 15px; margin-bottom: 24px; }\n\n \/* Form *\/\n .form-group { margin-bottom: 18px; }\n .form-group label {\n display: block; font-size: 14px; font-weight: 600;\n color: #334155; margin-bottom: 6px;\n }\n .form-group input, .form-group select {\n width: 100%;\n padding: 12px 14px;\n font-size: 16px;\n border: 1px solid #cbd5e1;\n border-radius: 8px;\n background: #fff;\n color: #0f172a;\n font-family: inherit;\n transition: border-color 0.15s ease, box-shadow 0.15s ease;\n }\n .form-group input:focus, .form-group select:focus {\n outline: none;\n border-color: #2563eb;\n box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);\n }\n .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }\n\n \/* Results *\/\n #results { display: none; padding-top: 8px; }\n\n .score-wrap {\n display: flex; flex-direction: column; align-items: center;\n padding: 24px 0 8px;\n }\n .score-circle {\n position: relative;\n width: 160px; height: 160px;\n }\n .score-circle svg { transform: rotate(-90deg); width: 100%; height: 100%; }\n .score-bg { stroke: #e2e8f0; }\n .score-fg { stroke: #2563eb; transition: stroke-dashoffset 0.8s ease; stroke-linecap: round; }\n .score-text {\n position: absolute; inset: 0;\n display: flex; flex-direction: column; align-items: center; justify-content: center;\n }\n .score-num { font-size: 42px; font-weight: 700; color: #0f172a; letter-spacing: -0.02em; }\n .score-label { font-size: 12px; color: #64748b; text-transform: uppercase; letter-spacing: 0.08em; }\n .score-tag {\n margin-top: 14px;\n padding: 4px 12px;\n background: #eff6ff;\n color: #1d4ed8;\n border-radius: 999px;\n font-size: 13px;\n font-weight: 600;\n }\n\n \/* Status indicators *\/\n .indicators {\n display: grid;\n grid-template-columns: repeat(3, 1fr);\n gap: 12px;\n margin-top: 28px;\n }\n .indicator {\n background: #f8fafc;\n border: 1px solid #e2e8f0;\n border-radius: 10px;\n padding: 14px;\n text-align: center;\n }\n .indicator .name { font-size: 12px; color: #64748b; margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.05em; font-weight: 600; }\n .indicator .value { font-size: 15px; font-weight: 700; color: #0f172a; }\n .indicator .dot { display: inline-block; width: 8px; height: 8px; border-radius: 50%; margin-right: 6px; vertical-align: middle; }\n .dot-green { background: #10b981; }\n .dot-amber { background: #f59e0b; }\n .dot-red { background: #ef4444; }\n\n \/* Bottleneck *\/\n .bottleneck {\n margin-top: 24px;\n padding: 16px 18px;\n background: #fffbeb;\n border: 1px solid #fde68a;\n border-radius: 10px;\n color: #78350f;\n font-size: 15px;\n }\n .bottleneck strong { color: #78350f; }\n .bottleneck-note {\n margin-top: 12px;\n color: #1d4ed8;\n font-weight: 600;\n }\n\n \/* Bridge line *\/\n .bridge-line {\n margin-top: 20px;\n text-align: center;\n color: #1d4ed8;\n font-weight: 500;\n font-size: 15px;\n padding: 12px 16px;\n background: #eff6ff;\n border-radius: 8px;\n }\n\n \/* Locked preview *\/\n .locked-section {\n margin-top: 24px;\n position: relative;\n border-radius: 10px;\n overflow: hidden;\n background: #f8fafc;\n border: 1px solid #e2e8f0;\n padding: 24px;\n }\n .locked-content {\n filter: blur(5px);\n user-select: none;\n pointer-events: none;\n color: #475569;\n font-size: 15px;\n line-height: 1.7;\n }\n .lock-overlay {\n position: absolute;\n inset: 0;\n display: flex;\n align-items: center;\n justify-content: center;\n background: linear-gradient(180deg, rgba(248, 250, 252, 0.4) 0%, rgba(248, 250, 252, 0.85) 100%);\n }\n .lock-badge {\n background: #fff;\n border: 1px solid #e2e8f0;\n padding: 10px 16px;\n border-radius: 999px;\n font-size: 14px;\n font-weight: 600;\n color: #0f172a;\n display: flex; align-items: center; gap: 8px;\n box-shadow: 0 1px 2px rgba(0,0,0,0.04);\n }\n .lock-badge svg { width: 14px; height: 14px; stroke: #2563eb; }\n\n \/* Paywall *\/\n .paywall { background: #0f172a; color: #fff; border: none; }\n .paywall h2 { color: #fff; font-size: 24px; text-align: center; }\n .paywall .subtitle { color: #cbd5e1; text-align: center; margin-bottom: 32px; }\n\n \/* Pricing tiers *\/\n .pricing-grid {\n display: grid;\n grid-template-columns: 1fr 1.1fr 1fr;\n gap: 18px;\n margin-bottom: 16px;\n align-items: stretch;\n }\n .tier {\n background: #ffffff;\n border: 1px solid #e2e8f0;\n border-radius: 12px;\n padding: 24px 20px;\n display: flex;\n flex-direction: column;\n text-align: center;\n color: #0f172a;\n transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;\n position: relative;\n }\n .tier:hover {\n transform: translateY(-4px);\n box-shadow: 0 12px 28px rgba(0, 0, 0, 0.18);\n border-color: #cbd5e1;\n }\n .tier-image {\n width: 100%;\n max-width: 180px;\n height: 130px;\n object-fit: contain;\n margin: 0 auto 16px;\n display: block;\n }\n .tier-title {\n font-size: 16px;\n font-weight: 700;\n color: #0f172a;\n margin-bottom: 10px;\n letter-spacing: -0.01em;\n line-height: 1.3;\n min-height: 42px;\n display: flex;\n align-items: center;\n justify-content: center;\n }\n .tier-price {\n font-size: 32px;\n font-weight: 700;\n color: #0f172a;\n letter-spacing: -0.02em;\n margin-bottom: 4px;\n }\n .tier-price-note {\n font-size: 13px;\n color: #64748b;\n margin-bottom: 16px;\n }\n .tier-features {\n list-style: none;\n margin: 0 0 18px;\n padding: 14px 0 0;\n border-top: 1px solid #e2e8f0;\n text-align: left;\n }\n .tier-features li {\n font-size: 14px;\n color: #334155;\n padding: 5px 0 5px 22px;\n position: relative;\n line-height: 1.45;\n }\n .tier-features li::before {\n content: \"\";\n position: absolute;\n left: 0;\n top: 11px;\n width: 12px;\n height: 6px;\n border-left: 2px solid #2563eb;\n border-bottom: 2px solid #2563eb;\n transform: rotate(-45deg);\n }\n .tier-note {\n font-size: 12px;\n color: #b91c1c;\n font-style: italic;\n margin-top: 4px;\n margin-bottom: 16px;\n line-height: 1.4;\n text-align: left;\n padding: 8px 10px;\n background: #fef2f2;\n border-left: 3px solid #fca5a5;\n border-radius: 4px;\n }\n .tier-microcopy {\n font-size: 12px;\n color: #1d4ed8;\n font-weight: 600;\n margin-top: 10px;\n line-height: 1.4;\n }\n .tier-btn {\n margin-top: auto;\n display: block;\n width: 100%;\n background: #2563eb;\n color: #fff;\n text-decoration: none;\n padding: 12px 16px;\n font-size: 15px;\n font-weight: 600;\n border-radius: 8px;\n transition: background 0.15s ease;\n }\n .tier-btn:hover { background: #1d4ed8; }\n\n \/* Pro tier highlight *\/\n .tier-pro {\n border: 2px solid #2563eb;\n box-shadow: 0 12px 30px rgba(37, 99, 235, 0.22);\n transform: translateY(-8px);\n background: #ffffff;\n padding: 28px 22px;\n }\n .tier-pro:hover {\n transform: translateY(-12px);\n box-shadow: 0 18px 40px rgba(37, 99, 235, 0.28);\n }\n .tier-pro .tier-price {\n color: #2563eb;\n font-size: 36px;\n }\n .tier-pro .tier-btn {\n background: #2563eb;\n padding: 14px 16px;\n font-size: 16px;\n }\n .tier-pro .tier-btn:hover { background: #1d4ed8; }\n .tier-badge {\n position: absolute;\n top: -12px;\n left: 50%;\n transform: translateX(-50%);\n background: #2563eb;\n color: #fff;\n font-size: 11px;\n font-weight: 700;\n text-transform: uppercase;\n letter-spacing: 0.08em;\n padding: 5px 12px;\n border-radius: 999px;\n white-space: nowrap;\n }\n\n .paywall .fine { text-align: center; color: #94a3b8; font-size: 13px; margin-top: 16px; }\n .paywall .fine-secondary { text-align: center; color: #94a3b8; font-size: 12px; margin-top: 4px; }\n\n \/* Footer *\/\n footer {\n text-align: center; padding: 32px 20px;\n color: #94a3b8; font-size: 13px;\n border-top: 1px solid #e2e8f0;\n background: #fff;\n margin-top: 40px;\n }\n\n @media (max-width: 880px) {\n .pricing-grid {\n grid-template-columns: 1fr;\n gap: 24px;\n }\n .tier-pro {\n transform: none;\n padding: 24px 20px;\n }\n .tier-pro:hover {\n transform: translateY(-4px);\n }\n .tier-title { min-height: 0; }\n }\n\n @media (max-width: 600px) {\n .hero { padding: 40px 0 24px; }\n .hero h1 { font-size: 28px; }\n .hero p { font-size: 16px; }\n .hero-image { margin-bottom: 24px; }\n .card { padding: 22px; border-radius: 12px; }\n .form-row { grid-template-columns: 1fr; }\n .indicators { grid-template-columns: 1fr; }\n .trust { gap: 14px; font-size: 12px; }\n }\n<\/style>\n<\/head>\n<body>\n\n<header>\n <div class=\"container\" style=\"display:flex;align-items:center;justify-content:space-between;\">\n <div class=\"logo\">\n <img decoding=\"async\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/monetarywealthlogo.webp\" alt=\"MonetaryWealth\">\n <\/div>\n <div style=\"font-size:13px;color:#64748b;\">AI Decision Engine<\/div>\n <\/div>\n<\/header>\n\n<section class=\"hero\">\n <div class=\"container\">\n <h1>Make the Right Financial Decision \u2014 Based on Your Numbers<\/h1>\n <p>See your financial score, identify your biggest constraint, and get a clear plan to fix it.<\/p>\n <img decoding=\"async\" class=\"hero-image\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/monetarywealth-score.png\" alt=\"MonetaryWealth Score Preview\">\n <button class=\"btn btn-large\" onclick=\"document.getElementById('form-card').scrollIntoView({behavior:'smooth'})\">Start Free Money Checkup<\/button>\n <div class=\"cta-microcopy\">Get your score free. Unlock the full plan instantly.<\/div>\n <div class=\"hero-authority\">Structured financial decision system based on core financial principles.<\/div>\n <div class=\"trust\">\n <span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg> Private & secure<\/span>\n <span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"M12 6v6l4 2\"\/><\/svg> Takes 60 seconds<\/span>\n <span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg> No signup needed<\/span>\n <\/div>\n <\/div>\n<\/section>\n\n<div class=\"container\">\n\n <div class=\"card\" id=\"form-card\">\n <h2>Your Financial Snapshot<\/h2>\n <p class=\"subtitle\">All numbers stay in your browser. Nothing is sent or stored.<\/p>\n\n <form id=\"financeForm\" autocomplete=\"off\">\n <div class=\"form-row\">\n <div class=\"form-group\">\n <label for=\"income\">Monthly Income<\/label>\n <input type=\"number\" id=\"income\" min=\"0\" step=\"any\" placeholder=\"e.g. 5000\" required>\n <\/div>\n <div class=\"form-group\">\n <label for=\"expenses\">Monthly Expenses<\/label>\n <input type=\"number\" id=\"expenses\" min=\"0\" step=\"any\" placeholder=\"e.g. 3500\" required>\n <\/div>\n <\/div>\n\n <div class=\"form-row\">\n <div class=\"form-group\">\n <label for=\"savings\">Cash Savings<\/label>\n <input type=\"number\" id=\"savings\" min=\"0\" step=\"any\" placeholder=\"e.g. 8000\" required>\n <\/div>\n <div class=\"form-group\">\n <label for=\"debt\">High-Interest Debt<\/label>\n <input type=\"number\" id=\"debt\" min=\"0\" step=\"any\" placeholder=\"e.g. 4000\" required>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"available\">Monthly Amount Available to Save or Invest<\/label>\n <input type=\"number\" id=\"available\" min=\"0\" step=\"any\" placeholder=\"e.g. 500\" required>\n <\/div>\n\n <div class=\"form-row\">\n <div class=\"form-group\">\n <label for=\"goal\">Goal<\/label>\n <select id=\"goal\" required>\n <option value=\"wealth\">Build Wealth<\/option>\n <option value=\"debt\">Pay Off Debt<\/option>\n <option value=\"cashflow\">Improve Cash Flow<\/option>\n <option value=\"invest\">Decide Whether to Invest<\/option>\n <\/select>\n <\/div>\n <div class=\"form-group\">\n <label for=\"risk\">Risk Tolerance<\/label>\n <select id=\"risk\" required>\n <option value=\"conservative\">Conservative<\/option>\n <option value=\"balanced\" selected>Balanced<\/option>\n <option value=\"aggressive\">Aggressive<\/option>\n <\/select>\n <\/div>\n <\/div>\n\n <button type=\"submit\" class=\"btn btn-block\">Analyze My Finances<\/button>\n <\/form>\n <\/div>\n\n <div id=\"results\">\n\n <div class=\"card\">\n <h2>Your Financial Health Score<\/h2>\n <p class=\"subtitle\">A snapshot of your current financial position.<\/p>\n\n <div class=\"score-wrap\">\n <div class=\"score-circle\">\n <svg viewBox=\"0 0 120 120\">\n <circle class=\"score-bg\" cx=\"60\" cy=\"60\" r=\"52\" fill=\"none\" stroke-width=\"10\"\/>\n <circle class=\"score-fg\" id=\"scoreArc\" cx=\"60\" cy=\"60\" r=\"52\" fill=\"none\" stroke-width=\"10\"\n stroke-dasharray=\"326.7\" stroke-dashoffset=\"326.7\"\/>\n <\/svg>\n <div class=\"score-text\">\n <div class=\"score-num\" id=\"scoreNum\">0<\/div>\n <div class=\"score-label\">out of 100<\/div>\n <\/div>\n <\/div>\n <div class=\"score-tag\" id=\"scoreTag\">Calculating\u2026<\/div>\n <\/div>\n\n <div class=\"indicators\">\n <div class=\"indicator\">\n <div class=\"name\">Cash Flow<\/div>\n <div class=\"value\"><span class=\"dot\" id=\"cfDot\"><\/span><span id=\"cfText\">\u2014<\/span><\/div>\n <\/div>\n <div class=\"indicator\">\n <div class=\"name\">Emergency Fund<\/div>\n <div class=\"value\"><span class=\"dot\" id=\"efDot\"><\/span><span id=\"efText\">\u2014<\/span><\/div>\n <\/div>\n <div class=\"indicator\">\n <div class=\"name\">Debt Pressure<\/div>\n <div class=\"value\"><span class=\"dot\" id=\"dpDot\"><\/span><span id=\"dpText\">\u2014<\/span><\/div>\n <\/div>\n <\/div>\n\n <div class=\"bottleneck\" id=\"bottleneck\">\n <strong>Main bottleneck:<\/strong> <span id=\"bottleneckText\"><\/span>\n <div class=\"bottleneck-note\">Most users with your profile improve their financial position within 90 days using the full plan.<\/div>\n <\/div>\n\n <div class=\"bridge-line\">Your results show a clear issue. The full report explains exactly how to fix it.<\/div>\n <\/div>\n\n <div class=\"card\">\n <h2>Your Recommended Strategy<\/h2>\n <p class=\"subtitle\">Personalized action plan based on your inputs.<\/p>\n <div class=\"locked-section\">\n <div class=\"locked-content\">\n Based on your inputs, your optimal strategy depends on how your cash flow, debt level, savings buffer, and available monthly surplus interact. The full report shows the exact priority order, allocation breakdown, and step-by-step plan.\n <\/div>\n <div class=\"lock-overlay\">\n <div class=\"lock-badge\">\n <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\"\/><path d=\"M7 11V7a5 5 0 0110 0v4\"\/><\/svg>\n Unlock to view your full plan\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card paywall\">\n <h2>Choose Your Financial Plan<\/h2>\n <p class=\"subtitle\">Start with a quick overview or unlock a complete step-by-step strategy.<\/p>\n\n <div class=\"pricing-grid\">\n\n <div class=\"tier\">\n <img decoding=\"async\" class=\"tier-image\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/monetarywealth-score.png\" alt=\"Essential Report\">\n <div class=\"tier-title\">Essential Report<\/div>\n <div class=\"tier-price\">$9<\/div>\n <div class=\"tier-price-note\">one-time payment<\/div>\n <ul class=\"tier-features\">\n <li>Financial health summary<\/li>\n <li>Main bottleneck breakdown<\/li>\n <li>Top 3 priority actions<\/li>\n <\/ul>\n <div class=\"tier-note\">Does not include full allocation plan or detailed strategy.<\/div>\n <a class=\"tier-btn\" href=\"https:\/\/buy.stripe.com\/8x25kEgDu4Bqe8kfqRdjO00\" target=\"_blank\" rel=\"noopener\">Get Basic Insights<\/a>\n <\/div>\n\n <div class=\"tier tier-pro\">\n <div class=\"tier-badge\">Most Popular<\/div>\n <img decoding=\"async\" class=\"tier-image\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/Pro-Plan-Monetary-Wealth.png\" alt=\"Complete Decision Report\">\n <div class=\"tier-title\">Complete Decision Report<\/div>\n <div class=\"tier-price\">$19<\/div>\n <div class=\"tier-price-note\">one-time payment<\/div>\n <ul class=\"tier-features\">\n <li>Includes full allocation plan<\/li>\n <li>Step-by-step 90-day roadmap<\/li>\n <li>Clear long-term direction<\/li>\n <li>12-month financial roadmap<\/li>\n <li>Downloadable PDF report<\/li>\n <\/ul>\n <div class=\"tier-microcopy\">Most users choose this to get a complete, actionable plan.<\/div>\n <a class=\"tier-btn\" href=\"https:\/\/buy.stripe.com\/eVqeVedri2tiggsdiJdjO01\" target=\"_blank\" rel=\"noopener\">Unlock Full Plan<\/a>\n <\/div>\n\n <div class=\"tier\">\n <img decoding=\"async\" class=\"tier-image\" src=\"https:\/\/monetarywealth.com\/wp-content\/uploads\/2026\/04\/Monetary-Wealth-Premium-Decision-.png\" alt=\"Advanced Strategy Report\">\n <div class=\"tier-title\">Advanced Strategy Report<\/div>\n <div class=\"tier-price\">$29<\/div>\n <div class=\"tier-price-note\">one-time payment<\/div>\n <ul class=\"tier-features\">\n <li>Everything in Complete<\/li>\n <li>Scenario comparisons<\/li>\n <li>Multiple strategy paths<\/li>\n <li>Deeper financial analysis<\/li>\n <li>Long-term projections<\/li>\n <\/ul>\n <a class=\"tier-btn\" href=\"https:\/\/buy.stripe.com\/8x214o2ME0la5BO92tdjO02\" target=\"_blank\" rel=\"noopener\">Get Advanced Analysis<\/a>\n <\/div>\n\n <\/div>\n\n <div class=\"fine\">Secure checkout. Instant access. No subscription.<\/div>\n <div class=\"fine-secondary\">Instant access after payment. No account required.<\/div>\n <\/div>\n\n <\/div>\n<\/div>\n\n<footer>\n \u00a9 2026 MonetaryWealth AI Decision Engine \u00b7 For educational use only. Not financial advice.\n<\/footer>\n\n<script>\n const form = document.getElementById('financeForm');\n const results = document.getElementById('results');\n\n form.addEventListener('submit', function(e) {\n e.preventDefault();\n\n const income = parseFloat(document.getElementById('income').value) || 0;\n const expenses = parseFloat(document.getElementById('expenses').value) || 0;\n const savings = parseFloat(document.getElementById('savings').value) || 0;\n const debt = parseFloat(document.getElementById('debt').value) || 0;\n const available = parseFloat(document.getElementById('available').value) || 0;\n\n const monthlySurplus = income - expenses;\n const emergencyMonths = expenses > 0 ? savings \/ expenses : (savings > 0 ? 12 : 0);\n const debtPressure = income > 0 ? debt \/ income : (debt > 0 ? 5 : 0);\n\n \/\/ ----- Cash flow score (0-35) -----\n let cfScore = 0;\n const surplusRatio = income > 0 ? monthlySurplus \/ income : 0;\n if (surplusRatio >= 0.3) cfScore = 35;\n else if (surplusRatio >= 0.2) cfScore = 28;\n else if (surplusRatio >= 0.1) cfScore = 20;\n else if (surplusRatio > 0) cfScore = 12;\n else if (surplusRatio === 0) cfScore = 5;\n else cfScore = 0;\n\n \/\/ ----- Emergency fund score (0-35) -----\n let efScore = 0;\n if (emergencyMonths >= 6) efScore = 35;\n else if (emergencyMonths >= 3) efScore = 25;\n else if (emergencyMonths >= 1) efScore = 14;\n else if (emergencyMonths > 0) efScore = 6;\n else efScore = 0;\n\n \/\/ ----- Debt pressure score (0-30) -----\n let dpScore = 0;\n if (debtPressure === 0) dpScore = 30;\n else if (debtPressure < 0.5) dpScore = 24;\n else if (debtPressure < 1) dpScore = 16;\n else if (debtPressure < 2) dpScore = 8;\n else dpScore = 2;\n\n let totalScore = Math.round(cfScore + efScore + dpScore);\n if (totalScore < 0) totalScore = 0;\n if (totalScore > 100) totalScore = 100;\n\n \/\/ ----- Status labels -----\n const cfStatus = monthlySurplus > 0 ? 'Stable' : 'Weak';\n const cfDotClass = monthlySurplus > 0 ? 'dot-green' : 'dot-red';\n\n let efStatus, efDotClass;\n if (emergencyMonths >= 3) { efStatus = 'Healthy'; efDotClass = 'dot-green'; }\n else { efStatus = 'Low'; efDotClass = emergencyMonths >= 1 ? 'dot-amber' : 'dot-red'; }\n\n let dpStatus, dpDotClass;\n if (debtPressure < 0.5) { dpStatus = 'Low'; dpDotClass = 'dot-green'; }\n else if (debtPressure < 1.5) { dpStatus = 'Moderate'; dpDotClass = 'dot-amber'; }\n else { dpStatus = 'High'; dpDotClass = 'dot-red'; }\n\n \/\/ ----- Bottleneck -----\n let bottleneck = '';\n const issues = [];\n if (debtPressure >= 1) issues.push({ type: 'debt', weight: debtPressure });\n if (emergencyMonths < 3) issues.push({ type: 'emergency', weight: 3 - emergencyMonths });\n if (monthlySurplus <= 0) issues.push({ type: 'cashflow', weight: 2 });\n\n if (issues.length === 0) {\n bottleneck = \"You're in a strong position. Your main opportunity is optimizing how your surplus is allocated between growth and protection.\";\n } else if (issues.length >= 2 && issues.some(i => i.type === 'debt') && issues.some(i => i.type === 'emergency')) {\n bottleneck = \"Your biggest issue is high-interest debt combined with limited savings. Stabilizing both at once requires a careful split of your monthly surplus.\";\n } else {\n issues.sort((a, b) => b.weight - a.weight);\n const top = issues[0].type;\n if (top === 'debt') {\n bottleneck = \"Your biggest issue is high-interest debt relative to your income. Reducing this should take priority over investing.\";\n } else if (top === 'emergency') {\n bottleneck = \"Your biggest issue is a thin emergency fund. A short cash buffer leaves you exposed to unexpected expenses.\";\n } else {\n bottleneck = \"Your biggest issue is weak cash flow \u2014 your expenses are too close to (or above) your income, leaving little room to build.\";\n }\n }\n\n \/\/ ----- Score tag -----\n let tag = '';\n if (totalScore >= 80) tag = 'Strong';\n else if (totalScore >= 60) tag = 'Healthy';\n else if (totalScore >= 40) tag = 'Needs Work';\n else tag = 'At Risk';\n\n \/\/ ----- Render -----\n document.getElementById('cfText').textContent = cfStatus;\n document.getElementById('cfDot').className = 'dot ' + cfDotClass;\n document.getElementById('efText').textContent = efStatus;\n document.getElementById('efDot').className = 'dot ' + efDotClass;\n document.getElementById('dpText').textContent = dpStatus;\n document.getElementById('dpDot').className = 'dot ' + dpDotClass;\n document.getElementById('bottleneckText').textContent = bottleneck;\n document.getElementById('scoreTag').textContent = tag;\n\n results.style.display = 'block';\n\n \/\/ Animate score\n const arc = document.getElementById('scoreArc');\n const numEl = document.getElementById('scoreNum');\n const circumference = 2 * Math.PI * 52;\n arc.setAttribute('stroke-dasharray', circumference);\n const offset = circumference - (totalScore \/ 100) * circumference;\n requestAnimationFrame(() => {\n arc.style.strokeDashoffset = offset;\n });\n\n let current = 0;\n const step = Math.max(1, Math.round(totalScore \/ 30));\n const interval = setInterval(() => {\n current += step;\n if (current >= totalScore) { current = totalScore; clearInterval(interval); }\n numEl.textContent = current;\n }, 25);\n\n \/\/ Color the arc based on score\n if (totalScore >= 70) arc.style.stroke = '#10b981';\n else if (totalScore >= 45) arc.style.stroke = '#2563eb';\n else if (totalScore >= 25) arc.style.stroke = '#f59e0b';\n else arc.style.stroke = '#ef4444';\n\n setTimeout(() => {\n results.scrollIntoView({ behavior: 'smooth', block: 'start' });\n }, 100);\n });\n<\/script>\n\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>MonetaryWealth AI Decision Engine AI Decision Engine Make the Right Financial Decision \u2014 Based on Your Numbers See your financial score, identify your biggest constraint, and get a clear plan to fix it. Start Free Money Checkup Get your score free. Unlock the full plan instantly. Structured financial decision system based on core financial principles. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-6","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/pages\/6","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/comments?post=6"}],"version-history":[{"count":17,"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/pages\/6\/revisions"}],"predecessor-version":[{"id":38,"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/pages\/6\/revisions\/38"}],"wp:attachment":[{"href":"https:\/\/monetarywealth.com\/index.php\/wp-json\/wp\/v2\/media?parent=6"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}