: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;
    --success-bg: #ecfdf5;
    --success-text: #047857;
    --warning-bg: #fff7ed;
    --warning-text: #c2410c;
    --danger-bg: #fef2f2;
    --danger-text: #b91c1c;
}

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

main {
    overflow: hidden;
}

.hero {
    background: var(--hero-gradient);
    color: var(--white);
    padding: 48px 0 70px;
}

.hero-content {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

.breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    font-size: 0.92rem;
    opacity: 0.95;
}

.breadcrumb a {
    color: rgba(255, 255, 255, 0.92);
    text-decoration: none;
}

.breadcrumb a:hover {
    text-decoration: underline;
}

.hero-text {
    max-width: 860px;
}

.eyebrow {
    display: inline-block;
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    background: rgba(255, 255, 255, 0.14);
    border: 1px solid rgba(255, 255, 255, 0.16);
    padding: 8px 12px;
    border-radius: 999px;
    margin-bottom: 14px;
}

.hero h1 {
    margin: 0 0 14px;
    font-size: clamp(2rem, 4vw, 3rem);
    line-height: 1.1;
    color: var(--white);
}

.hero p {
    margin: 0;
    font-size: 1rem;
    line-height: 1.75;
    color: rgba(255, 255, 255, 0.95);
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin: 18px 0 18px;
}

.hero .btn-secondary {
    background: rgba(255, 255, 255, 0.14);
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.hero .btn-secondary:hover {
    background: rgba(255, 255, 255, 0.2);
}

.hero-note {
    max-width: 760px;
    font-size: 0.96rem;
    opacity: 0.95;
}

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

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

.left-align,
.section-header.left-align {
    text-align: left;
    align-items: flex-start;
}

.section-header {
    margin-bottom: 28px;
}

.section-header h2 {
    margin: 0 0 12px;
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    line-height: 1.25;
    color: var(--text-main);
}

.section-header p {
    margin: 0;
    max-width: 900px;
    color: var(--text-muted);
    line-height: 1.75;
}

/* QUICK NAV - MINIMAL */
.quick-nav-section {
    margin-top: 16px;
    padding: 24px 0;
    border-bottom: 1px solid var(--border-color);
}

.quick-nav-simple h2 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    font-weight: 700;
}

.quick-nav-links {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 18px;
}

.quick-nav-links a {
    font-size: 0.95rem;
    color: var(--primary-blue);
    border-bottom: 1px solid transparent;
}

.quick-nav-links a:hover {
    color: var(--primary-blue);
}

/* ------------------------------------------------------------------
   UPDATED CALCULATOR LAYOUT
------------------------------------------------------------------ */
.calculator-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(320px, 0.85fr);
    gap: 24px;
    align-items: start;
}

.calculator-card,
.content-card,
.table-card,
.trust-card,
.cta-card,
.related-card,
.use-card,
.step-card,
.tip-card,
.benefit-card,
.comparison-panel {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
}

.calculator-card {
    padding: 24px;
    overflow: hidden;
}

.calculator-card h3 {
    margin: 0 0 10px;
    font-size: 1.35rem;
}

.card-intro {
    margin: 0 0 20px;
    color: var(--text-muted);
    line-height: 1.7;
}

.top-controls-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
    margin-bottom: 24px;
}

.top-controls-grid .full-width {
    grid-column: 1 / -1;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
    min-width: 0;
}

.form-group label {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-main);
}

.form-group input,
.form-group select {
    width: 100%;
    min-width: 0;
    min-height: 48px;
    border: 1px solid var(--border-color);
    border-radius: 10px;
    padding: 12px 14px;
    font-size: 0.96rem;
    color: var(--text-main);
    background: var(--white);
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus {
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 4px rgba(0, 82, 204, 0.08);
    outline: none;
}

.form-group small {
    color: var(--text-muted);
    line-height: 1.5;
}

.form-section-title {
    margin: 8px 0 16px;
    font-weight: 800;
    font-size: 1rem;
    color: var(--text-main);
}

.debt-list-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
}

.debt-rows {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.debt-entry {
    border: 1px solid var(--border-color);
    border-radius: 12px;
    background: #fbfdff;
    padding: 18px;
}

.debt-entry-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 16px;
}

.debt-entry-top h4 {
    margin: 0;
    font-size: 1rem;
}

.debt-entry-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

.debt-entry-grid .full-width {
    grid-column: 1 / -1;
}

.remove-debt-btn {
    border: 1px solid #fecaca;
    background: #fff7f7;
    color: var(--danger-text);
    width: 40px;
    height: 40px;
    border-radius: 10px;
    cursor: pointer;
    transition: var(--transition);
    flex-shrink: 0;
}

.remove-debt-btn:hover {
    background: #fef2f2;
}

.remove-debt-btn.hidden {
    display: none;
}

.button-row {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 22px;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-height: 48px;
    padding: 12px 20px;
    border-radius: 10px;
    text-decoration: none;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition);
}

.btn-primary {
    background: var(--white);
    color: var(--primary-blue);
    border-color: #0061ff;
}

.btn-primary:hover {
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.btn-secondary {
    background: var(--white);
    color: var(--primary-blue);
    border: 1px solid var(--border-color);
}

.btn-secondary:hover {
    background: #f8fbff;
}

.btn-small {
    min-height: 40px;
    padding: 10px 14px;
    font-size: 0.9rem;
}

.results-placeholder {
    display: grid;
    place-items: center;
    text-align: center;
    min-height: 360px;
    color: var(--text-muted);
    border: 1px dashed var(--border-color);
    border-radius: 12px;
    padding: 24px;
    background: #fbfdff;
}

.results-placeholder i {
    font-size: 2rem;
    color: var(--primary-blue);
    margin-bottom: 12px;
}

.hidden {
    display: none !important;
}

.form-message {
    border-radius: 10px;
    padding: 12px 14px;
    margin-bottom: 16px;
    font-size: 0.95rem;
    line-height: 1.6;
}

.error-message {
    background: var(--danger-bg);
    color: var(--danger-text);
    border: 1px solid #fecaca;
}

.status-banner {
    border-radius: 12px;
    padding: 16px;
    margin-bottom: 18px;
}

.status-badge {
    display: inline-flex;
    align-items: center;
    padding: 7px 12px;
    border-radius: 999px;
    font-size: 0.84rem;
    font-weight: 800;
    margin-bottom: 10px;
}

.results-summary-grid,
.comparison-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
    margin-bottom: 18px;
}

.summary-item,
.comparison-item {
    border: 1px solid var(--border-color);
    border-radius: 12px;
    padding: 16px;
    background: #fcfdff;
    min-width: 0;
}

.summary-item.accent {
    background: #eff6ff;
    border-color: #bfdbfe;
}

.summary-item .label,
.comparison-item .label {
    display: block;
    font-size: 0.82rem;
    color: var(--text-muted);
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    font-weight: 700;
}

.summary-item strong,
.comparison-item strong {
    font-size: 1.02rem;
    line-height: 1.4;
}

.snapshot-card,
.interpretation-card,
.comparison-card {
    border: 1px solid var(--border-color);
    border-radius: 12px;
    padding: 18px;
    background: #fcfdff;
    margin-bottom: 18px;
}

.snapshot-card h4,
.interpretation-card h4,
.comparison-card h4 {
    margin: 0 0 12px;
    font-size: 1rem;
}

.snapshot-card p,
.interpretation-card p,
.comparison-card p {
    margin: 0;
    color: var(--text-muted);
    line-height: 1.75;
}

.priority-list {
    margin: 0;
    padding-left: 22px;
    color: var(--text-main);
}

.priority-list li {
    margin-bottom: 10px;
    line-height: 1.7;
}

.table-scroll {
    width: 100%;
    overflow-x: auto;
}

.payoff-table-card {
    overflow: hidden;
}

.budget-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 680px;
}

.budget-table th,
.budget-table td {
    border-bottom: 1px solid var(--border-color);
    text-align: left;
    padding: 14px 12px;
    font-size: 0.94rem;
}

.budget-table th {
    background: #f8fafc;
    font-weight: 700;
    color: var(--text-main);
}

.content-card,
.table-card,
.trust-card,
.cta-card {
    padding: 24px;
}

.prose p {
    margin: 0 0 16px;
    line-height: 1.85;
    color: var(--text-main);
}

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

.prose a {
    color: var(--primary-blue);
    text-decoration: none;
    font-weight: 600;
}

.prose a:hover {
    text-decoration: underline;
}

.snippet-list {
    margin: 0;
    padding-left: 22px;
}

.snippet-list li {
    margin-bottom: 10px;
    line-height: 1.8;
    color: var(--text-main);
}

.use-grid,
.steps-grid,
.benefit-grid,
.tips-grid,
.related-grid,
.comparison-panels {
    display: grid;
    gap: 18px;
}

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

.steps-grid {
    grid-template-columns: repeat(5, 1fr);
}

.tips-grid {
    grid-template-columns: repeat(4, 1fr);
}

.comparison-panels {
    grid-template-columns: repeat(2, 1fr);
}

.use-card,
.step-card,
.tip-card,
.benefit-card,
.related-card,
.comparison-panel {
    padding: 20px;
}

.use-card i,
.benefit-card i {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: #eff6ff;
    color: var(--primary-blue);
    margin-bottom: 14px;
}

.use-card h3,
.step-card h3,
.tip-card h3,
.benefit-card h3,
.related-card h3,
.comparison-panel h3 {
    margin: 0 0 10px;
    font-size: 1rem;
    line-height: 1.45;
}

.use-card p,
.step-card p,
.tip-card p,
.benefit-card p,
.related-card p,
.comparison-panel p {
    margin: 0;
    color: var(--text-muted);
    line-height: 1.75;
}

.step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 34px;
    height: 34px;
    border-radius: 999px;
    background: #eff6ff;
    color: var(--primary-blue);
    font-weight: 800;
    margin-bottom: 14px;
}

.related-card {
    display: block;
    text-decoration: none;
    transition: var(--transition);
}

.related-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.formula-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
    margin: 20px 0;
}

.formula-box {
    border: 1px solid #bfdbfe;
    background: #eff6ff;
    color: var(--primary-blue);
    border-radius: 12px;
    padding: 16px;
    font-weight: 700;
    text-align: center;
}

.top-spacer {
    margin-top: 18px;
}

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

.faq-item {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: 12px;
    padding: 0 18px;
    box-shadow: var(--shadow-sm);
}

.faq-item summary {
    list-style: none;
    cursor: pointer;
    padding: 18px 28px 18px 0;
    font-weight: 700;
    position: relative;
}

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

.faq-item summary::after {
    content: "+";
    position: absolute;
    right: 0;
    top: 50%;
    transform: translateY(-50%);
    color: var(--primary-blue);
    font-size: 1.2rem;
    font-weight: 800;
}

.faq-item[open] summary::after {
    content: "–";
}

.faq-item p {
    margin: 0 0 18px;
    color: var(--text-muted);
    line-height: 1.8;
}

.trust-card {
    border-left: 4px solid var(--primary-blue);
}

.trust-card h2 {
    margin: 0 0 12px;
    font-size: 1.5rem;
}

.trust-card p {
    margin: 0;
    line-height: 1.85;
    color: var(--text-muted);
}

.cta-card {
    background: var(--hero-gradient);
    color: var(--white);
    text-align: center;
    border: none;
    box-shadow: var(--shadow-md);
}

.cta-card h2 {
    margin: 0 0 12px;
    font-size: clamp(1.6rem, 2.8vw, 2.2rem);
    color: var(--white);
}

.cta-card p {
    margin: 0 auto 20px;
    max-width: 760px;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.95);
}

.cta-card .btn-primary {
    background: var(--white);
    color: var(--primary-blue);
}

.status-success {
    background: var(--success-bg);
    border: 1px solid #a7f3d0;
}

.status-success .status-badge {
    background: rgba(4, 120, 87, 0.12);
    color: var(--success-text);
}

.status-warning {
    background: var(--warning-bg);
    border: 1px solid #fed7aa;
}

.status-warning .status-badge {
    background: rgba(194, 65, 12, 0.12);
    color: var(--warning-text);
}

.status-danger {
    background: var(--danger-bg);
    border: 1px solid #fecaca;
}

.status-danger .status-badge {
    background: rgba(185, 28, 28, 0.12);
    color: var(--danger-text);
}

@media (max-width: 1200px) {
    .steps-grid {
        grid-template-columns: repeat(3, 1fr);
    }

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

@media (max-width: 1199px) {
    .calculator-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 991px) {
    .use-grid,
    .benefit-grid,
    .related-grid,
    .comparison-panels {
        grid-template-columns: 1fr;
    }

    .results-summary-grid,
    .comparison-grid,
    .formula-grid {
        grid-template-columns: 1fr;
    }

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

    .hero {
        padding: 42px 0 64px;
    }
}

@media (max-width: 768px) {
    .section-padding {
        padding: 56px 0;
    }

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

    .quick-nav-simple h2 {
        font-size: 1rem;
    }

    .quick-nav-links {
        gap: 8px 12px;
    }

    .quick-nav-links a {
        font-size: 0.9rem;
        padding: 6px 0; /* easier tap */
    }

    .top-controls-grid,
    .debt-entry-grid,
    .results-summary-grid,
    .comparison-grid,
    .tips-grid,
    .steps-grid {
        grid-template-columns: 1fr;
    }

    .top-controls-grid .full-width,
    .debt-entry-grid .full-width {
        grid-column: auto;
    }

    .debt-entry {
        padding: 16px;
    }

    .debt-entry-top {
        align-items: flex-start;
    }

    .debt-list-header {
        align-items: stretch;
    }

    .debt-list-header .btn-small {
        width: 100%;
        justify-content: center;
    }

    .content-card,
    .table-card,
    .trust-card,
    .cta-card,
    .calculator-card,
    .use-card,
    .step-card,
    .tip-card,
    .benefit-card,
    .related-card,
    .comparison-panel {
        padding: 18px;
    }

    .budget-table {
        min-width: 620px;
    }
}

@media (max-width: 480px) {

    .quick-nav-links {
        flex-direction: column;
        gap: 6px;
    }

    .quick-nav-links a {
        display: block;
        width: 100%;
    }
}