:root {
  --ink: #172033;
  --muted: #5d6a7c;
  --line: #d9e2ec;
  --panel: #ffffff;
  --soft: #f5f8fb;
  --blue: #1f5fbf;
  --blue-dark: #17488f;
  --green: #12805c;
  --green-soft: #e7f6ef;
  --navy: #0f172a;
  --premium-line: rgba(148, 163, 184, 0.24);
  --warning: #8a5a00;
  --shadow: 0 18px 45px rgba(23, 32, 51, 0.09);
  --radius: 8px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--soft);
  font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
}

a {
  color: var(--blue);
  text-decoration: none;
}

a:hover {
  color: var(--blue-dark);
  text-decoration: underline;
}

.site-header {
  background:
    radial-gradient(circle at 12% -30%, rgba(31, 95, 191, 0.18), transparent 34rem),
    radial-gradient(circle at 92% -35%, rgba(18, 128, 92, 0.16), transparent 30rem),
    linear-gradient(180deg, rgba(255, 255, 255, 0.98), rgba(247, 250, 255, 0.94));
  border-bottom: 1px solid rgba(204, 215, 229, 0.9);
  box-shadow: 0 18px 48px rgba(12, 25, 50, 0.12);
  backdrop-filter: blur(22px) saturate(140%);
  -webkit-backdrop-filter: blur(22px) saturate(140%);
  position: sticky;
  top: 0;
  z-index: 20;
}

.site-header::before {
  content: "";
  display: block;
  height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--green), #d6a84f);
}

.nav-wrap,
.section,
.footer-inner {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.nav-wrap {
  min-height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 13px;
  color: var(--ink);
  font-weight: 800;
  letter-spacing: 0;
  min-width: max-content;
  padding: 8px 10px 8px 8px;
  border-radius: 20px;
}

.brand:hover {
  text-decoration: none;
}

.brand-logo {
  width: 54px;
  height: 54px;
  flex: 0 0 54px;
  border-radius: 17px;
  box-shadow:
    0 16px 28px rgba(31, 95, 191, 0.24),
    0 0 0 1px rgba(255, 255, 255, 0.95),
    inset 0 1px 0 rgba(255, 255, 255, 0.9);
}

.brand-text {
  display: grid;
  gap: 1px;
  line-height: 1.08;
}

.brand-title {
  color: var(--navy);
  font-size: 1.24rem;
  font-weight: 900;
  letter-spacing: -0.01em;
}

.brand-subtitle {
  color: var(--green);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 7px;
  flex-wrap: wrap;
  justify-content: flex-end;
  padding: 8px;
  border: 1px solid rgba(204, 215, 229, 0.9);
  border-radius: 999px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(245, 249, 255, 0.9));
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.98),
    0 16px 36px rgba(14, 28, 54, 0.11);
}

.main-nav a {
  color: #516176;
  min-height: 40px;
  display: inline-flex;
  align-items: center;
  padding: 0 16px;
  border-radius: 999px;
  font-weight: 850;
  font-size: 0.92rem;
  white-space: nowrap;
  transition: color 160ms ease, background 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.main-nav a:hover {
  color: var(--blue-dark);
  background: rgba(31, 95, 191, 0.08);
  text-decoration: none;
  transform: translateY(-1px);
}

.main-nav a[aria-current="page"] {
  color: #ffffff;
  background: linear-gradient(135deg, #1f5fbf 0%, #12805c 100%);
  box-shadow: 0 14px 28px rgba(31, 95, 191, 0.28);
}

.main-nav a[href="/start-here/"]:not([aria-current="page"]) {
  color: var(--blue-dark);
  background: #eef6ff;
}

.hero {
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.96) 0%, rgba(255, 255, 255, 0.86) 52%, rgba(255, 255, 255, 0.72) 100%),
    url("/assets/brand/finance-hero-bg.svg?v=20260915-policy-v1") center / cover no-repeat,
    #f6f9fc;
  border-bottom: 1px solid var(--line);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(320px, 0.92fr);
  gap: 40px;
  align-items: center;
  padding: 58px 0;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--green);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.78rem;
}

h1,
h2,
h3 {
  color: var(--ink);
  line-height: 1.14;
  letter-spacing: 0;
}

h1 {
  margin: 0;
  font-size: clamp(2.15rem, 5vw, 4rem);
  max-width: 760px;
}

h2 {
  margin: 0 0 16px;
  font-size: clamp(1.6rem, 3vw, 2.35rem);
}

h3 {
  margin: 0 0 10px;
  font-size: 1.15rem;
}

.lead {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 1.12rem;
  max-width: 720px;
}

.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 28px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: var(--ink);
  background: #ffffff;
  font-weight: 800;
  box-shadow: 0 8px 18px rgba(23, 32, 51, 0.07);
}

.button.primary {
  color: #ffffff;
  background: var(--blue);
  border-color: var(--blue);
}

.button:hover {
  text-decoration: none;
  transform: translateY(-1px);
}

.trust-panel,
.card,
.tool-shell,
.result-card,
.article-box {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.trust-panel {
  padding: 24px;
}

.policy-note {
  margin: 22px 0;
  padding: 18px;
  border: 1px solid #cfe0f3;
  border-radius: var(--radius);
  background: #f8fbff;
}

.policy-note strong {
  display: block;
  color: var(--blue-dark);
  margin-bottom: 6px;
}

.source-list {
  display: grid;
  gap: 10px;
  margin: 18px 0 0;
  padding-left: 22px;
}

.metric-list {
  display: grid;
  gap: 14px;
  margin: 20px 0 0;
}

.metric {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 0;
  border-top: 1px solid var(--line);
}

.metric strong {
  color: var(--blue-dark);
  font-size: 1.15rem;
}

.section {
  padding: 54px 0;
}

.section-header {
  max-width: 780px;
  margin-bottom: 24px;
}

.muted {
  color: var(--muted);
}

.tools-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.card {
  padding: 20px;
  min-height: 190px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.card p {
  color: var(--muted);
  margin: 0 0 18px;
}

.path-grid,
.trust-grid,
.method-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.path-card,
.trust-note,
.method-card {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: var(--shadow);
}

.path-card strong,
.trust-note strong,
.method-card strong {
  display: block;
  color: var(--blue-dark);
  font-size: 1.05rem;
  margin-bottom: 8px;
}

.path-card p,
.trust-note p,
.method-card p {
  color: var(--muted);
  margin: 0 0 16px;
}

.advisor-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 0.7fr);
  gap: 24px;
  align-items: start;
}

.advisor-panel {
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: var(--shadow);
}

.decision-list {
  display: grid;
  gap: 12px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.decision-list li {
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #f8fbff;
}

.result-explainer p {
  color: var(--muted);
  margin: 0 0 14px;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 760px) 300px;
  gap: 32px;
  align-items: start;
}

.article-content {
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 30px;
}

.article-hero-image {
  margin: -6px -6px 26px;
}

.article-hero-image img,
.card-thumb {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 16 / 9;
  object-fit: cover;
  border-radius: var(--radius);
  border: 1px solid var(--line);
}

.card-thumb {
  margin: 0 0 16px;
  box-shadow: 0 10px 24px rgba(23, 32, 51, 0.08);
}

.article-content p,
.article-content li {
  color: var(--muted);
}

.article-content h2 {
  margin-top: 34px;
}

.article-content h3 {
  margin-top: 24px;
}

.article-content ul,
.article-content ol {
  padding-left: 22px;
}

.article-cta {
  margin-top: 28px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #f8fbff;
}

.mini-infographic {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin: 24px 0;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: linear-gradient(135deg, #f8fbff, #f4fbf8);
}

.mini-infographic.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.info-step {
  padding: 16px;
  border: 1px solid #dce8f4;
  border-radius: var(--radius);
  background: #ffffff;
}

.info-step strong {
  display: block;
  color: var(--blue-dark);
  font-size: 1.02rem;
  line-height: 1.25;
}

.info-step span {
  display: block;
  margin-top: 8px;
  color: var(--muted);
  font-size: 0.94rem;
}

.comparison-table {
  margin: 18px 0;
}

.tag {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  min-height: 28px;
  padding: 3px 10px;
  border-radius: 999px;
  color: var(--green);
  background: var(--green-soft);
  font-size: 0.82rem;
  font-weight: 800;
}

.tag.soon {
  color: #53606f;
  background: #eef2f6;
}

.content-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 330px;
  gap: 28px;
  align-items: start;
}

.tool-shell {
  padding: 22px;
}

.calculator-grid {
  display: grid;
  gap: 16px;
}

[data-debt-rows] {
  display: grid;
  gap: 12px;
}

.field-row,
.debt-row {
  display: grid;
  gap: 12px;
}

.field-row {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.debt-row {
  grid-template-columns: 1.1fr 1fr 0.8fr 1fr auto;
  align-items: end;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fbfdff;
}

label {
  display: grid;
  gap: 6px;
  color: #344054;
  font-weight: 750;
  font-size: 0.92rem;
}

input,
select {
  width: 100%;
  min-height: 44px;
  border: 1px solid #cbd5e1;
  border-radius: 7px;
  padding: 9px 11px;
  color: var(--ink);
  background: #ffffff;
  font: inherit;
}

input:focus,
select:focus {
  outline: 3px solid rgba(31, 95, 191, 0.18);
  border-color: var(--blue);
}

.small-button,
.remove-debt {
  min-height: 42px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: #ffffff;
  color: var(--ink);
  font-weight: 800;
  cursor: pointer;
}

.small-button {
  padding: 0 14px;
}

.remove-debt {
  width: 42px;
}

.form-actions {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.preset-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.results {
  display: grid;
  gap: 14px;
}

.result-card {
  padding: 18px;
}

.result-number {
  display: block;
  color: var(--blue-dark);
  font-size: 2rem;
  line-height: 1;
  font-weight: 900;
}

.result-label {
  display: block;
  margin-top: 6px;
  color: var(--muted);
  font-size: 0.92rem;
}

.timeline {
  display: grid;
  gap: 14px;
}

.timeline-item {
  display: grid;
  gap: 8px;
}

.timeline-meta {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  color: var(--muted);
  font-size: 0.92rem;
}

.timeline-meta strong {
  color: var(--ink);
}

.timeline-track {
  height: 12px;
  overflow: hidden;
  border-radius: 999px;
  background: #e7eef7;
}

.timeline-track span {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--green), var(--blue));
}

.dti-gauge {
  display: grid;
  gap: 10px;
}

.gauge-track {
  height: 18px;
  overflow: hidden;
  border-radius: 999px;
  background: linear-gradient(90deg, #dff3e8 0 36%, #fff1c7 36% 43%, #fde2e2 43% 100%);
  border: 1px solid var(--line);
}

.gauge-fill {
  display: block;
  height: 100%;
  width: 0;
  border-radius: inherit;
  transition: width 180ms ease;
}

.gauge-fill.healthy {
  background: var(--green);
}

.gauge-fill.borderline {
  background: #d89700;
}

.gauge-fill.high-risk {
  background: #c2413a;
}

.gauge-scale {
  display: flex;
  justify-content: space-between;
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 750;
}

.dti-status {
  padding: 14px;
  border-radius: var(--radius);
  font-weight: 750;
}

.dti-status.healthy {
  color: var(--green);
  background: var(--green-soft);
}

.dti-status.borderline {
  color: #8a5a00;
  background: #fff5d8;
}

.dti-status.high-risk {
  color: #a53530;
  background: #fde9e8;
}

.warning {
  display: none;
  margin: 14px 0 0;
  padding: 12px;
  border: 1px solid #f2c66d;
  border-radius: var(--radius);
  color: var(--warning);
  background: #fff8e7;
  font-weight: 700;
}

.warning.active {
  display: block;
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 560px;
  background: #ffffff;
}

th,
td {
  padding: 12px;
  text-align: left;
  border-bottom: 1px solid var(--line);
}

th {
  background: #f8fafc;
  font-size: 0.88rem;
  color: #344054;
}

.article-box {
  padding: 26px;
  margin-top: 24px;
}

.article-box p,
.article-box li {
  color: var(--muted);
}

.article-box ul {
  padding-left: 20px;
}

.keyword-list {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.keyword-list li {
  display: grid;
  gap: 4px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
}

.keyword-list strong {
  color: var(--blue-dark);
}

.keyword-list span {
  color: var(--muted);
}

.faq-box details {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  padding: 14px 16px;
}

.faq-box details + details {
  margin-top: 12px;
}

.faq-box summary {
  cursor: pointer;
  color: var(--ink);
  font-weight: 800;
}

.faq-box details p {
  margin: 10px 0 0;
}

.related-list {
  display: grid;
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.related-list li {
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: #ffffff;
}

.site-footer {
  padding: 34px 0;
  color: #dbe4ef;
  background: #172033;
}

.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-inner a {
  color: #ffffff;
}

.footer-links {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

@media (max-width: 940px) {
  .hero-grid,
  .content-grid,
  .article-layout,
  .advisor-grid {
    grid-template-columns: 1fr;
  }

  .tools-grid,
  .blog-grid,
  .mini-infographic.three,
  .path-grid,
  .trust-grid,
  .method-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  .site-header {
    padding: 0 0 12px;
    background:
      radial-gradient(circle at 10% 0%, rgba(31, 95, 191, 0.18), transparent 18rem),
      radial-gradient(circle at 95% 0%, rgba(18, 128, 92, 0.16), transparent 16rem),
      linear-gradient(180deg, #ffffff, #f5f8fd);
  }

  .nav-wrap {
    width: min(100% - 28px, 1120px);
    align-items: stretch;
    flex-direction: column;
    gap: 12px;
    min-height: auto;
    margin-top: 12px;
    padding: 13px;
    border: 1px solid rgba(204, 215, 229, 0.96);
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.86);
    box-shadow:
      inset 0 1px 0 rgba(255, 255, 255, 0.96),
      0 18px 42px rgba(12, 25, 50, 0.14);
  }

  .brand-logo {
    width: 46px;
    height: 46px;
    flex-basis: 46px;
  }

  .brand-title {
    font-size: 1.08rem;
  }

  .brand-subtitle {
    font-size: 0.7rem;
  }

  .main-nav {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 6px;
    overflow: visible;
    padding: 7px;
    border-radius: 20px;
    background: linear-gradient(180deg, #ffffff, #f0f6ff);
  }

  .main-nav a {
    min-width: 0;
    min-height: 42px;
    justify-content: center;
    padding: 0 9px;
    font-size: 0.78rem;
    text-align: center;
  }

  .hero-grid,
  .section {
    padding: 36px 0;
  }

  .tools-grid,
  .blog-grid,
  .path-grid,
  .trust-grid,
  .method-grid,
  .mini-infographic,
  .mini-infographic.three,
  .field-row,
  .debt-row {
    grid-template-columns: 1fr;
  }

  .remove-debt {
    width: 100%;
  }
}