:root {
  --bg: #f6f7fb;
  --surface: #ffffff;
  --surface-2: #f0f4ff;
  --text: #172033;
  --muted: #667085;
  --muted-2: #8792a6;
  --line: #dce3ef;
  --accent: #1c5cff;
  --accent-2: #0b3db7;
  --good: #0f8a5f;
  --warn: #b7791f;
  --bad: #c24141;
  --shadow: 0 18px 50px rgba(20, 35, 70, 0.10);
  --radius: 22px;
  --radius-sm: 14px;
  --max: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(28, 92, 255, .10), transparent 34rem),
    radial-gradient(circle at 80% 10%, rgba(15, 138, 95, .08), transparent 28rem),
    var(--bg);
  line-height: 1.55;
}
a { color: inherit; text-decoration: none; }
a:hover { color: var(--accent); }
img, svg { max-width: 100%; }
.container { width: min(var(--max), calc(100% - 32px)); margin: 0 auto; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(16px);
  background: rgba(246,247,251,.86);
  border-bottom: 1px solid rgba(220, 227, 239, .9);
}
.navbar { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 18px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 850; letter-spacing: -.03em; }
.brand-mark {
  width: 36px; height: 36px; border-radius: 13px;
  background: linear-gradient(135deg, var(--accent), #6ae3a7);
  color: #fff; display: grid; place-items: center; box-shadow: 0 10px 25px rgba(28,92,255,.24);
}
.brand-mark svg { width: 21px; height: 21px; }
.navlinks { display: flex; align-items: center; gap: 18px; font-size: 14px; color: #44516a; }
.navlinks a { padding: 8px 2px; }
.mobile-menu-button { display:none; border:1px solid var(--line); background:#fff; border-radius:12px; padding:9px 12px; color:var(--text); }
.hero { padding: 70px 0 32px; }
.hero-grid { display: grid; grid-template-columns: 1.12fr .88fr; gap: 36px; align-items: center; }
.eyebrow { display:inline-flex; align-items:center; gap:8px; color:var(--accent-2); background:#eaf0ff; border:1px solid #dbe6ff; padding:8px 12px; border-radius:999px; font-size:14px; font-weight:700; }
h1 { font-size: clamp(42px, 6vw, 74px); line-height: .94; letter-spacing: -.06em; margin: 22px 0 18px; }
h2 { font-size: clamp(28px, 3.4vw, 44px); line-height: 1.05; letter-spacing: -.045em; margin: 0 0 14px; }
h3 { font-size: 22px; line-height: 1.2; letter-spacing: -.025em; margin: 0 0 10px; }
p { color: var(--muted); margin: 0 0 14px; }
.lead { font-size: clamp(18px, 2vw, 22px); color:#475467; max-width: 720px; }
.hero-actions { display:flex; flex-wrap:wrap; gap:12px; margin-top: 26px; }
.button { display:inline-flex; align-items:center; justify-content:center; gap:8px; padding: 13px 18px; border-radius: 14px; font-weight:800; border:1px solid transparent; cursor:pointer; transition: .15s ease; font-size: 15px; }
.button.primary { background: var(--accent); color: #fff; box-shadow: 0 12px 30px rgba(28,92,255,.23); }
.button.primary:hover { background: var(--accent-2); color:#fff; transform: translateY(-1px); }
.button.secondary { background:#fff; border-color:var(--line); color:var(--text); }
.button.secondary:hover { border-color:#b9c4d6; color:var(--accent); transform: translateY(-1px); }
.button.ghost { padding: 8px 0; color: var(--accent); }
.hero-card { background: rgba(255,255,255,.86); border:1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.kpi-row { display:grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-top: 20px; }
.kpi { background:#f8faff; border:1px solid #e5ebf5; border-radius: 18px; padding: 16px; }
.kpi strong { display:block; font-size:24px; letter-spacing:-.03em; }
.kpi span { font-size:13px; color:var(--muted); }
.section { padding: 54px 0; }
.section-head { display:flex; justify-content:space-between; gap:24px; align-items:end; margin-bottom: 22px; }
.section-head p { max-width: 650px; }
.card-grid { display:grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { background: var(--surface); border:1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: 0 10px 30px rgba(20,35,70,.06); }
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); transition: .18s ease; }
.card .tag { display:inline-block; font-size:12px; font-weight:800; color:var(--accent-2); background:#eaf0ff; padding:5px 9px; border-radius:999px; margin-bottom:12px; }
.card h3 a { color: var(--text); }
.card h3 a:hover { color: var(--accent); }
.mini-list { list-style: none; padding: 0; margin: 14px 0 0; color: var(--muted); font-size: 14px; }
.mini-list li { display:flex; gap:8px; margin: 8px 0; }
.mini-list li::before { content: "✓"; color: var(--good); font-weight: 900; }
.trust-strip { background:#101828; color:#fff; border-radius: var(--radius); padding: 24px; display:grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.trust-strip p, .trust-strip span { color:#cfd5e1; }
.trust-strip strong { display:block; font-size:18px; margin-bottom:4px; }
.page-hero { padding: 50px 0 18px; }
.breadcrumbs { color: var(--muted-2); font-size: 14px; margin-bottom: 18px; }
.breadcrumbs a { color: var(--muted); }
.layout-two { display:grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 24px; align-items:start; }
.sidebar { position: sticky; top: 92px; display:grid; gap:16px; }
.panel { background:#fff; border:1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: 0 10px 30px rgba(20,35,70,.06); }
.calculator-shell { display:grid; gap: 18px; }
.calc-grid { display:grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display:grid; gap:7px; }
label { font-weight:800; font-size:14px; color:#344054; }
.input-wrap { position:relative; }
input, select, textarea {
  width: 100%; border:1px solid #cfd8e8; border-radius: 14px; background:#fff; color:var(--text);
  padding: 13px 14px; font: inherit; outline: none; transition: .15s ease;
}
input:focus, select:focus, textarea:focus { border-color:var(--accent); box-shadow: 0 0 0 4px rgba(28,92,255,.12); }
.field-help { font-size:12px; color:var(--muted-2); }
.prefix, .suffix { position:absolute; top:50%; transform: translateY(-50%); color:var(--muted-2); font-weight:700; pointer-events:none; }
.prefix { left: 13px; }
.suffix { right: 13px; }
.input-wrap.has-prefix input { padding-left: 30px; }
.input-wrap.has-suffix input { padding-right: 34px; }
.calc-actions { display:flex; gap:12px; flex-wrap: wrap; margin-top: 8px; }
.result-card { border-radius: var(--radius); padding: 24px; background: linear-gradient(135deg, #10204a, #143c7d); color:#fff; box-shadow: var(--shadow); }
.result-card.good { background: linear-gradient(135deg, #0f5f45, #0f8a5f); }
.result-card.warn { background: linear-gradient(135deg, #7a4a0c, #b7791f); }
.result-card.bad { background: linear-gradient(135deg, #842222, #c24141); }
.result-label { color:rgba(255,255,255,.76); font-weight:800; font-size:14px; }
.result-value { font-size: clamp(34px, 5vw, 54px); line-height:1; font-weight:900; letter-spacing:-.055em; margin: 8px 0 8px; }
.result-subtext { color:rgba(255,255,255,.85); font-size:16px; }
.metric-grid { display:grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 16px; }
.metric { border:1px solid var(--line); border-radius: 17px; padding: 16px; background:#fff; }
.metric span { display:block; color:var(--muted); font-size:12px; font-weight:800; text-transform: uppercase; letter-spacing:.04em; }
.metric strong { display:block; font-size: 21px; letter-spacing:-.03em; margin-top: 5px; }
.explanation { background:#f8faff; border:1px solid #e5ebf5; border-radius: var(--radius); padding: 20px; }
.explanation p { margin-bottom: 8px; }
table { width:100%; border-collapse: collapse; overflow:hidden; border-radius:16px; }
th, td { padding: 12px; border-bottom: 1px solid var(--line); text-align:left; }
th { font-size:12px; text-transform: uppercase; letter-spacing:.04em; color:var(--muted); background:#f8faff; }
td { color:#344054; }
.table-wrap { overflow-x:auto; border:1px solid var(--line); border-radius: 17px; background:#fff; }
.debt-list { display:grid; gap: 12px; grid-column: 1/-1; }
.debt-row { display:grid; grid-template-columns: 1.1fr 1fr .85fr 1fr auto; gap: 10px; align-items: end; padding: 14px; background:#f8faff; border:1px solid #e5ebf5; border-radius: 18px; }
.debt-row button { border:0; border-radius:12px; padding: 12px 13px; background:#ffecec; color:#a43737; cursor:pointer; font-weight:800; }
.notice { border-radius: 18px; padding: 16px; background:#fff7e6; border:1px solid #ffe0a3; color:#7a4a0c; }
.notice p { color:#7a4a0c; }
.offer-card { background: linear-gradient(135deg, #edf3ff, #ffffff); border:1px solid #dce7ff; border-radius: var(--radius); padding: 20px; }
.offer-card small { display:block; color:var(--muted); margin-top: 10px; }
.related-list { display:grid; gap: 10px; }
.related-list a { display:flex; justify-content:space-between; gap:10px; padding:13px; border:1px solid var(--line); border-radius: 14px; background:#fff; }
.related-list a:hover { border-color:#b9c4d6; background:#f8faff; }
.content-page { max-width: 860px; }
.content-page h2 { margin-top: 38px; }
.content-page ul, .content-page ol { color: var(--muted); }
.footer { margin-top:60px; padding: 42px 0; background:#101828; color:#fff; }
.footer p, .footer a { color:#cfd5e1; }
.footer-grid { display:grid; grid-template-columns: 1.2fr repeat(3,.8fr); gap: 24px; }
.footer h4 { margin:0 0 12px; }
.footer a { display:block; margin:8px 0; font-size:14px; }
.print-only { display:none; }
@media (max-width: 900px) {
  .hero-grid, .layout-two { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .trust-strip, .metric-grid, .footer-grid { grid-template-columns: 1fr; }
  .navlinks { display:none; position:absolute; left:16px; right:16px; top:73px; background:#fff; border:1px solid var(--line); border-radius:18px; padding:14px; box-shadow:var(--shadow); }
  .navlinks.open { display:grid; }
  .mobile-menu-button { display:inline-flex; }
}
@media (max-width: 680px) {
  .container { width: min(100% - 24px, var(--max)); }
  .hero { padding-top: 42px; }
  .card-grid, .calc-grid { grid-template-columns: 1fr; }
  .kpi-row { grid-template-columns: 1fr; }
  .panel { padding: 18px; }
  .debt-row { grid-template-columns: 1fr; }
  .section-head { display:block; }
}
@media print {
  .site-header, .footer, .sidebar, .calc-actions, .offer-card, .related-list, .button { display:none !important; }
  body { background:#fff; color:#000; }
  .container, .layout-two { width:100%; display:block; }
  .panel, .result-card, .metric, .explanation { box-shadow:none; border:1px solid #ddd; color:#000; background:#fff !important; }
  .result-label, .result-subtext { color:#333; }
}