/*    ROOT VARIABLES    */


:root {
  --primary-blue: #0052cc;
  --hero-gradient: linear-gradient(135deg, #0061ff 0%, #0033aa 100%);
  --bg-light: #f8fafc;
  --white: #ffffff;
  --text-main: #1e293b;
  --text-muted: #64748b;
  --border-color: #e2e8f0;
  --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
  --radius: 12px;
  --transition: all 0.3s ease;
}


/*    GLOBAL RESET      */

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Inter", sans-serif;
  color: var(--text-main);
  background: var(--white);
  line-height: 1.65;
}

img {
  max-width: 100%;
  display: block;
}

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

main {
  overflow: hidden;
}


/*    LAYOUT & UTILITIES   */


.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px;
}

.hero-container {
  max-width: 1240px;
}

.narrow-container {
  max-width: 900px;
}

.section-padding {
  padding: 72px 0;
}

.bg-light {
  background: var(--bg-light);
}

.bg-white {
  background: var(--white);
}

.section-header {
  max-width: 760px;
  margin: 0 auto 32px;
  text-align: center;
}

.section-header.text-left {
  margin-left: 0;
  margin-right: 0;
  text-align: left;
}

.section-header p:last-child,
.content-flow p:last-child {
  margin-bottom: 0;
}


/*    TYPOGRAPHY STYLES       */


h1,
h2,
h3 {
  margin-top: 0;
  line-height: 1.2;
  color: var(--text-main);
}

h1 {
  font-size: clamp(2.3rem, 4vw, 3.4rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 16px;
}

h2 {
  font-size: clamp(1.75rem, 3vw, 2.3rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}

h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 10px;
}

p {
  margin: 0 0 16px;
  color: var(--text-muted);
  font-size: 0.98rem;
}

.eyebrow {
  display: inline-block;
  background: rgba(255, 255, 255, 0.14);
  color: #ffffff;
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
  text-transform: uppercase;
}

.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary-blue);
  margin-bottom: 10px;
}

.content-flow p {
  color: var(--text-main);
  line-height: 1.75;
}

.content-flow a,
.info-card a,
.step-card a,
.benefit-card a,
.mistake-card a,
.audience-intro a,
.side-links a {
  color: var(--primary-blue);
  font-weight: 600;
  text-decoration: none;
  text-underline-offset: 3px;
  text-decoration-thickness: 1.5px;
}

.content-flow a:hover,
.info-card a:hover,
.step-card a:hover,
.benefit-card a:hover,
.mistake-card a:hover,
.audience-intro a:hover,
.side-links a:hover {
  color: #003ea3;
}


/*    BREADCRUMB STYLES     */


.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 26px;
  color: rgba(255, 255, 255, 0.84);
  font-size: 0.9rem;
}

.breadcrumb a {
  color: rgba(255, 255, 255, 0.92);
}

.breadcrumb span[aria-current="page"] {
  color: rgba(255, 255, 255, 0.78);
}


/*   HERO SECTION     */


.expense-debt-hero {
  padding: 56px 0 72px;
  background: var(--hero-gradient);
  color: var(--white);
}

.hero-content {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(300px, 380px);
  gap: 28px;
  align-items: start;
}

.hero-text {
  max-width: 760px;
}

.hero-text h1,
.hero-card h2 {
  color: var(--white);
}

.hero-intro {
  color: rgba(255, 255, 255, 0.95);
  max-width: 720px;
  font-size: 1.04rem;
}

.hero-support {
  color: rgba(255, 255, 255, 0.84);
  max-width: 720px;
}

.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 24px 0 0;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 24px;
}

.hero-card {
  padding: 24px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.18);
  box-shadow: var(--shadow-sm);
}

.hero-card-badge {
  display: inline-block;
  margin-bottom: 14px;
  padding: 5px 10px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--white);
  background: rgba(255, 255, 255, 0.14);
  border-radius: 999px;
}

.hero-card p,
.hero-card li {
  color: rgba(255, 255, 255, 0.86);
}

.hero-card-list {
  margin: 16px 0 0;
  padding-left: 18px;
}

.hero-card-list li + li {
  margin-top: 8px;
}


/*    BUTTON STYLES     */


.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 999px;
  font-weight: 700;
  border: 1px solid transparent;
  transition: var(--transition);
}

.btn-primary,
.btn-solid {
  background: var(--white);
  color: var(--primary-blue);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover,
.btn-solid:hover {
  transform: translateY(-1px);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.28);
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.08);
}

.btn-outline {
  color: var(--primary-blue);
  border-color: var(--border-color);
  background: var(--white);
}

.btn-outline:hover {
  background: var(--bg-light);
}


/*   MAIN SHELL & SIDEBAR STRUCTURE      */


.page-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 26px;
  align-items: start;
}

.main-content {
  min-width: 0;
}

.side-panel {
  display: grid;
  gap: 18px;
}

.side-card {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: 14px;
  padding: 20px;
  box-shadow: var(--shadow-sm);
}

.side-card h3 {
  margin-bottom: 10px;
}

.side-card p {
  font-size: 0.92rem;
}

.side-card-icon {
  width: 42px;
  height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  border-radius: 12px;
  background: rgba(0, 82, 204, 0.08);
  color: var(--primary-blue);
  font-size: 1rem;
}

.side-links {
  list-style: none;
  padding: 0;
  margin: 14px 0 0;
}

.side-links li + li {
  margin-top: 10px;
  padding-top: 10px;
  border-top: 1px solid var(--border-color);
}

.tip-list {
  margin-top: 10px;
}

.tip-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 0.9rem;
  padding: 10px 0;
  border-bottom: 1px solid var(--border-color);
}

.tip-row:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.tip-row span {
  color: var(--text-muted);
}

.tip-row strong {
  color: var(--text-main);
  font-size: 0.9rem;
}


/*    GRID LAYOUTS     */


.calculator-grid,
.method-grid,
.steps-grid,
.benefits-grid,
.mistakes-grid,
.related-grid {
  display: grid;
  gap: 18px;
}

.calculator-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
  align-items: start;
}

.method-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

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

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

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

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


/*   SHARED CARD STYLES      */


.tool-card,
.info-card,
.step-card,
.benefit-card,
.mistake-card,
.related-card,
.disclaimer-card,
.audience-item,
.cta-card,
.feature-panel {
  border-radius: 14px;
  background: var(--white);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.tool-card,
.info-card,
.step-card,
.benefit-card,
.mistake-card,
.related-card {
  padding: 22px;
}

.tool-card:hover,
.info-card:hover,
.step-card:hover,
.benefit-card:hover,
.mistake-card:hover,
.related-card:hover,
.audience-item:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.feature-panel {
  padding: 28px;
}


/*    TOOL DIRECTORY CARDS     */


.tool-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.tool-icon {
  width: 46px;
  height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  border-radius: 12px;
  background: rgba(0, 82, 204, 0.08);
  color: var(--primary-blue);
  font-size: 1rem;
}

.tool-card h3 {
  margin-bottom: 10px;
}

.tool-card p {
  font-size: 1rem;
  line-height: 1.7;
  color: #5b6b82;
  margin: 0 0 16px;
}

.tool-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 8px;
  font-weight: 700;
  color: var(--primary-blue);
}

.tool-link i,
.related-card span i {
  font-size: 0.86rem;
}


/*   STEP, BENEFIT, AUDIENCE     */


.step-number {
  display: inline-flex;
  width: 38px;
  height: 38px;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  border-radius: 50%;
  background: var(--hero-gradient);
  color: var(--white);
  font-weight: 800;
  font-size: 0.95rem;
}

.benefit-card i {
  display: inline-flex;
  width: 46px;
  height: 46px;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  border-radius: 12px;
  background: rgba(0, 82, 204, 0.08);
  color: var(--primary-blue);
  font-size: 1rem;
}

.audience-intro {
  margin-bottom: 20px;
}

.audience-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.audience-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 18px;
}

.audience-item i {
  color: var(--primary-blue);
  font-size: 0.98rem;
  margin-top: 4px;
}

.audience-item span {
  color: var(--text-main);
  font-weight: 600;
}


/*   RELATED TOOL CARDS      */


.related-card {
  color: inherit;
}

.related-card h3 {
  color: var(--text-main);
}

.related-card span {
  display: inline-flex;
  gap: 8px;
  align-items: center;
  margin-top: 8px;
  color: var(--primary-blue);
  font-weight: 700;
}


/*    FAQ SECTION      */


.faq-container {
  max-width: 980px;
}

.faq-list {
  display: grid;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--border-color);
  border-radius: 14px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}

.faq-question {
  list-style: none;
  width: 100%;
  padding: 18px 20px;
  border: 0;
  background: transparent;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  text-align: left;
  cursor: pointer;
  font: inherit;
  color: var(--text-main);
  font-weight: 700;
}

.faq-question::-webkit-details-marker {
  display: none;
}

.faq-question i {
  color: var(--primary-blue);
  transition: var(--transition);
  flex-shrink: 0;
}

.faq-item[open] .faq-question i {
  transform: rotate(45deg);
}

.faq-answer p {
  padding: 0 20px 18px;
  margin: 0;
}


/*   DISCLAIMER & CTA SECTION     */


.disclaimer-card {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 18px;
  padding: 24px;
  align-items: start;
}

.disclaimer-icon {
  width: 54px;
  height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 14px;
  background: rgba(0, 82, 204, 0.08);
  color: var(--primary-blue);
  font-size: 1.1rem;
}

.disclaimer-content p:last-child {
  margin-bottom: 0;
}

.cta-card {
  padding: 36px 28px;
  text-align: center;
}

.cta-card p {
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}

.cta-actions {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 14px;
  margin-top: 20px;
  flex-wrap: wrap;
}


 /* RESPONSIVE STYLES*/


@media (max-width: 1100px) {
  .page-shell {
    grid-template-columns: 1fr;
  }

  .side-panel {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .steps-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .mistakes-grid,
  .benefits-grid,
  .related-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 900px) {
  .section-padding {
    padding: 62px 0;
  }

  .hero-content,
  .calculator-grid,
  .method-grid,
  .audience-grid {
    grid-template-columns: 1fr;
  }

  .hero-text {
    max-width: 100%;
  }

  .side-panel {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 680px) {
  .expense-debt-hero {
    padding: 42px 0 56px;
  }

  .section-padding {
    padding: 54px 0;
  }

  .steps-grid,
  .benefits-grid,
  .mistakes-grid,
  .related-grid {
    grid-template-columns: 1fr;
  }

  .tool-card,
  .info-card,
  .step-card,
  .benefit-card,
  .mistake-card,
  .related-card,
  .cta-card,
  .hero-card,
  .disclaimer-card,
  .feature-panel,
  .side-card {
    padding: 20px;
  }

  .disclaimer-card {
    grid-template-columns: 1fr;
  }

  .hero-actions,
  .cta-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .btn {
    width: 100%;
  }

  .faq-question {
    padding: 18px;
  }

  .faq-answer p {
    padding: 0 18px 18px;
  }

  .hero-points {
    display: grid;
    grid-template-columns: 1fr;
  }
}