:root {
  --navy: #10182f;
  --navy-2: #1b2849;
  --navy-3: #29395f;
  --mint: #63dac5;
  --mint-soft: #e8f8f4;
  --gold: #f8b84e;
  --gold-soft: #fff3d6;
  --cream: #f7f4ea;
  --white: #ffffff;
  --ink: #172038;
  --slate: #536078;
  --line: #d8d4c7;
  --danger: #9a3c3c;
  --shadow-sm: 0 8px 24px rgba(16, 24, 47, 0.09);
  --shadow-md: 0 18px 46px rgba(16, 24, 47, 0.13);
  --radius-sm: 0.8rem;
  --radius-md: 1.25rem;
  --radius-lg: 1.8rem;
  --content: 1160px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--cream);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 1rem;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}

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

a {
  color: inherit;
  text-decoration-thickness: 0.08em;
  text-underline-offset: 0.16em;
}

a:hover {
  text-decoration-color: var(--mint);
}

.skip-link {
  position: fixed;
  z-index: 100;
  top: 0.75rem;
  left: 0.75rem;
  transform: translateY(-180%);
  border-radius: 0.5rem;
  padding: 0.7rem 1rem;
  color: var(--white);
  background: var(--navy);
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: sticky;
  z-index: 20;
  top: 0;
  border-bottom: 1px solid rgba(216, 212, 199, 0.8);
  background: rgba(247, 244, 234, 0.94);
  backdrop-filter: blur(16px);
}

.header-inner {
  display: flex;
  width: min(calc(100% - 2rem), var(--content));
  min-height: 76px;
  margin: 0 auto;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--navy);
  font-weight: 900;
  letter-spacing: -0.025em;
  text-decoration: none;
}

.brand-mark {
  display: inline-grid;
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 0.75rem;
  place-items: center;
  color: var(--navy);
  background: linear-gradient(145deg, var(--mint), var(--gold));
  box-shadow: var(--shadow-sm);
  font-size: 1.15rem;
  font-weight: 950;
}

.brand-text {
  font-size: 1.18rem;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  color: var(--slate);
  font-size: 0.95rem;
  font-weight: 750;
}

.site-nav a {
  text-decoration: none;
}

.site-nav a[aria-current="page"] {
  color: var(--navy);
}

.nav-shop {
  border-radius: 999px;
  padding: 0.58rem 0.95rem;
  color: var(--navy) !important;
  background: var(--gold);
}

.wrap {
  width: min(calc(100% - 2rem), var(--content));
  margin: 0 auto;
}

.eyebrow,
.kicker,
.category {
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 4.75rem 0 4rem;
  color: var(--white);
  background: var(--navy);
}

.hero::before {
  position: absolute;
  inset: 0;
  content: "";
  opacity: 0.36;
  background-image:
    linear-gradient(rgba(99, 218, 197, 0.15) 1px, transparent 1px),
    linear-gradient(90deg, rgba(99, 218, 197, 0.15) 1px, transparent 1px);
  background-size: 64px 64px;
}

.hero::after {
  position: absolute;
  right: -10rem;
  bottom: -17rem;
  width: 34rem;
  height: 34rem;
  border-radius: 50%;
  content: "";
  background: radial-gradient(circle, rgba(99, 218, 197, 0.22), transparent 67%);
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(280px, 0.65fr);
  align-items: end;
  gap: 3rem;
}

.hero .eyebrow {
  display: inline-flex;
  border-radius: 999px;
  padding: 0.42rem 0.78rem;
  color: var(--navy);
  background: var(--gold);
}

.hero h1 {
  max-width: 850px;
  margin: 1.2rem 0 1rem;
  font-size: clamp(2.75rem, 7vw, 5.55rem);
  line-height: 0.98;
  letter-spacing: -0.065em;
}

.hero h1 span {
  color: var(--mint);
}

.hero-intro {
  max-width: 720px;
  margin: 0;
  color: #dce3f2;
  font-size: clamp(1.05rem, 2vw, 1.28rem);
}

.hero-note {
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-lg);
  padding: 1.4rem;
  background: rgba(27, 40, 73, 0.86);
  box-shadow: var(--shadow-md);
}

.hero-note strong {
  display: block;
  margin-bottom: 0.35rem;
  color: var(--gold);
  font-size: 1.08rem;
}

.hero-note p {
  margin: 0;
  color: #dce3f2;
  font-size: 0.98rem;
}

.section {
  padding: 4.5rem 0;
}

.section-tight {
  padding: 3rem 0;
}

.section-heading {
  display: flex;
  margin-bottom: 1.75rem;
  align-items: end;
  justify-content: space-between;
  gap: 1.25rem;
}

.section-heading h2 {
  margin: 0.25rem 0 0;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.05;
  letter-spacing: -0.045em;
}

.section-heading p {
  max-width: 520px;
  margin: 0;
  color: var(--slate);
}

.featured-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(280px, 0.65fr);
  gap: 1.4rem;
}

.feature-card,
.article-card,
.product-card,
.info-card {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.feature-card {
  min-height: 440px;
  padding: clamp(2rem, 4vw, 3.5rem);
  color: var(--white);
  background: linear-gradient(145deg, var(--navy-2), var(--navy));
}

.feature-card .category {
  color: var(--mint);
}

.feature-card h3 {
  max-width: 680px;
  margin: 1.1rem 0 1rem;
  font-size: clamp(2.3rem, 5vw, 4.2rem);
  line-height: 1.02;
  letter-spacing: -0.055em;
}

.feature-card p {
  max-width: 650px;
  color: #dce3f2;
  font-size: 1.08rem;
}

.feature-card .button {
  margin-top: 1.1rem;
}

.side-stack {
  display: grid;
  gap: 1.4rem;
}

.mini-feature {
  display: flex;
  min-height: 210px;
  border-radius: var(--radius-lg);
  padding: 1.7rem;
  flex-direction: column;
  justify-content: space-between;
  text-decoration: none;
  box-shadow: var(--shadow-sm);
}

.mini-feature:first-child {
  color: var(--navy);
  background: var(--mint-soft);
}

.mini-feature:last-child {
  color: var(--navy);
  background: var(--gold-soft);
}

.mini-feature h3 {
  margin: 0.65rem 0 0;
  font-size: 1.6rem;
  line-height: 1.08;
  letter-spacing: -0.035em;
}

.mini-feature span:last-child {
  font-weight: 850;
}

.article-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.4rem;
}

.article-card {
  display: flex;
  min-height: 355px;
  padding: 1.7rem;
  flex-direction: column;
}

.article-card:nth-child(3n + 1) {
  border-top: 8px solid var(--mint);
}

.article-card:nth-child(3n + 2) {
  border-top: 8px solid var(--gold);
}

.article-card:nth-child(3n + 3) {
  border-top: 8px solid var(--navy-3);
}

.article-card h3 {
  margin: 0.75rem 0 0.7rem;
  color: var(--navy);
  font-size: 1.55rem;
  line-height: 1.12;
  letter-spacing: -0.035em;
}

.article-card p {
  margin: 0;
  color: var(--slate);
}

.card-meta {
  display: flex;
  margin-top: auto;
  padding-top: 1.3rem;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  color: var(--slate);
  font-size: 0.88rem;
  font-weight: 700;
}

.card-link {
  color: var(--navy);
  font-weight: 900;
  text-decoration: none;
}

.card-link::after {
  content: " →";
  color: var(--mint);
}

.button {
  display: inline-flex;
  min-height: 48px;
  border-radius: 999px;
  padding: 0.78rem 1.15rem;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  background: var(--gold);
  font-weight: 900;
  text-decoration: none;
  transition: transform 160ms ease, box-shadow 160ms ease;
}

.button:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

.button-secondary {
  color: var(--white);
  background: var(--navy);
}

.band {
  color: var(--white);
  background: var(--navy);
}

.band-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  padding: 2.4rem 0;
  align-items: center;
  gap: 2rem;
}

.band h2 {
  margin: 0 0 0.25rem;
  font-size: clamp(1.8rem, 4vw, 3rem);
  line-height: 1.08;
  letter-spacing: -0.045em;
}

.band p {
  margin: 0;
  color: #dce3f2;
}

.page-hero {
  border-bottom: 1px solid var(--line);
  padding: 4.5rem 0 3.5rem;
  background: var(--white);
}

.page-hero h1 {
  max-width: 880px;
  margin: 0.65rem 0 1rem;
  color: var(--navy);
  font-size: clamp(2.6rem, 6vw, 5rem);
  line-height: 0.99;
  letter-spacing: -0.06em;
}

.page-hero p {
  max-width: 760px;
  margin: 0;
  color: var(--slate);
  font-size: 1.18rem;
}

.article-shell {
  display: grid;
  grid-template-columns: minmax(0, 760px) minmax(230px, 300px);
  padding: 3.5rem 0 5rem;
  align-items: start;
  justify-content: space-between;
  gap: 3.5rem;
}

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

.article-header {
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--line);
}

.article-header h1 {
  margin: 0.65rem 0 1rem;
  color: var(--navy);
  font-size: clamp(2.5rem, 6vw, 4.6rem);
  line-height: 1;
  letter-spacing: -0.06em;
}

.article-dek {
  margin: 0 0 1rem;
  color: var(--slate);
  font-size: 1.22rem;
}

.byline {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem 1rem;
  color: var(--slate);
  font-size: 0.92rem;
  font-weight: 700;
}

.article-body {
  padding-top: 1.35rem;
  font-size: 1.08rem;
}

.article-body h2 {
  margin: 2.5rem 0 0.8rem;
  color: var(--navy);
  font-size: 2rem;
  line-height: 1.13;
  letter-spacing: -0.04em;
}

.article-body h3 {
  margin: 1.8rem 0 0.55rem;
  color: var(--navy);
  font-size: 1.35rem;
  line-height: 1.2;
}

.article-body p,
.article-body ul,
.article-body ol {
  margin: 0.8rem 0 1.2rem;
}

.article-body li + li {
  margin-top: 0.55rem;
}

.callout {
  margin: 2rem 0;
  border-left: 7px solid var(--mint);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 1.25rem 1.4rem;
  background: var(--mint-soft);
}

.callout.gold {
  border-left-color: var(--gold);
  background: var(--gold-soft);
}

.callout strong {
  display: block;
  margin-bottom: 0.25rem;
  color: var(--navy);
}

.article-cta {
  margin-top: 2.5rem;
  border-radius: var(--radius-lg);
  padding: 1.8rem;
  color: var(--white);
  background: var(--navy);
}

.article-cta h2 {
  margin-top: 0;
  color: var(--white);
}

.article-cta p {
  color: #dce3f2;
}

.article-sidebar {
  position: sticky;
  top: 105px;
}

.sidebar-card {
  margin-bottom: 1.2rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 1.35rem;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.sidebar-card h2 {
  margin: 0 0 0.6rem;
  color: var(--navy);
  font-size: 1.18rem;
  line-height: 1.25;
}

.sidebar-card p,
.sidebar-card li {
  color: var(--slate);
  font-size: 0.92rem;
}

.sidebar-card ul {
  margin: 0;
  padding-left: 1.1rem;
}

.sources {
  margin-top: 2.5rem;
  border-top: 1px solid var(--line);
  padding-top: 1.5rem;
}

.sources h2 {
  margin-top: 0;
  font-size: 1.35rem;
}

.sources li,
.sources p {
  color: var(--slate);
  font-size: 0.92rem;
}

.product-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.6rem;
}

.product-card img {
  aspect-ratio: 16 / 8;
  width: 100%;
  border-bottom: 1px solid var(--line);
  object-fit: cover;
  object-position: top;
}

.product-card-body {
  padding: 1.65rem;
}

.product-card h2 {
  margin: 0.5rem 0;
  color: var(--navy);
  font-size: 1.75rem;
  line-height: 1.12;
  letter-spacing: -0.035em;
}

.product-card p {
  color: var(--slate);
}

.product-card .button {
  margin-top: 0.5rem;
}

.content-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.4rem;
}

.free-tools-section {
  background: var(--mint-soft);
}

.tool-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.15rem;
}

.tool-card {
  display: flex;
  min-height: 290px;
  border: 1px solid rgba(16, 24, 47, 0.13);
  border-radius: var(--radius-lg);
  padding: 1.55rem;
  flex-direction: column;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.tool-card:nth-child(2n) {
  border-top: 7px solid var(--gold);
}

.tool-card:nth-child(2n + 1) {
  border-top: 7px solid var(--mint);
}

.tool-card h3 {
  margin: 0.65rem 0 0.65rem;
  color: var(--navy);
  font-size: 1.48rem;
  line-height: 1.12;
  letter-spacing: -0.035em;
}

.tool-card p {
  margin: 0;
  color: var(--slate);
}

.tool-card .card-link {
  margin-top: auto;
  padding-top: 1.15rem;
}

.calculator-intro {
  border-bottom: 1px solid var(--line);
  padding: 2.7rem 0 2.5rem;
  background: var(--white);
}

.calculator-intro .back-link {
  display: block;
  width: fit-content;
  margin-bottom: 1.15rem;
  color: var(--slate);
  font-size: 0.9rem;
  font-weight: 800;
  text-decoration: none;
}

.calculator-intro h1 {
  max-width: 900px;
  margin: 0.45rem 0 0.7rem;
  color: var(--navy);
  font-size: clamp(2.45rem, 6vw, 4.6rem);
  line-height: 1;
  letter-spacing: -0.06em;
}

.calculator-intro > .wrap > p {
  max-width: 780px;
  margin: 0;
  color: var(--slate);
  font-size: 1.12rem;
}

.privacy-chip {
  display: inline-flex;
  margin-top: 1.15rem;
  border-radius: 999px;
  padding: 0.5rem 0.82rem;
  align-items: center;
  color: var(--navy);
  background: var(--mint-soft);
  font-size: 0.88rem;
  font-weight: 800;
}

.privacy-chip::before {
  margin-right: 0.45rem;
  content: "✓";
  color: #177767;
  font-weight: 950;
}

.calculator-section {
  padding: 2rem 0 4.5rem;
  background: linear-gradient(180deg, var(--white) 0, var(--cream) 28%);
}

.calculator-shell {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(360px, 0.95fr);
  align-items: start;
  gap: 1.5rem;
}

.calculator-shell-wide {
  grid-template-columns: minmax(0, 1.22fr) minmax(390px, 0.78fr);
}

.calculator-panel,
.results-panel {
  border-radius: var(--radius-lg);
  padding: clamp(1.3rem, 3vw, 2rem);
  box-shadow: var(--shadow-md);
}

.calculator-panel {
  border: 1px solid var(--line);
  background: var(--white);
}

.results-panel {
  position: sticky;
  top: 98px;
  color: var(--white);
  background: linear-gradient(155deg, var(--navy-2), var(--navy));
}

.panel-heading,
.result-head {
  display: flex;
  margin-bottom: 1.45rem;
  align-items: flex-start;
  gap: 0.85rem;
}

.panel-heading h2,
.result-head h2 {
  margin: 0;
  font-size: 1.45rem;
  line-height: 1.15;
  letter-spacing: -0.03em;
}

.panel-heading h2 {
  color: var(--navy);
}

.panel-heading p,
.result-head p {
  margin: 0.25rem 0 0;
  font-size: 0.92rem;
}

.panel-heading p {
  color: var(--slate);
}

.result-head p {
  color: var(--mint);
  font-weight: 800;
}

.step-number {
  display: inline-grid;
  width: 2.1rem;
  height: 2.1rem;
  flex: 0 0 2.1rem;
  border-radius: 0.65rem;
  place-items: center;
  color: var(--navy);
  background: var(--gold);
  font-weight: 950;
}

.calculator-form {
  display: grid;
  gap: 1.25rem;
}

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

.field {
  min-width: 0;
}

.field label,
.category-fieldset legend {
  display: block;
  margin-bottom: 0.38rem;
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 850;
}

.field > input,
.field > select,
.input-prefix,
.input-suffix {
  width: 100%;
  min-height: 49px;
  border: 1px solid #b9bfca;
  border-radius: 0.72rem;
  color: var(--ink);
  background: #fff;
  font: inherit;
  font-size: 1rem;
}

.field > input,
.field > select {
  padding: 0.7rem 0.78rem;
}

.input-prefix,
.input-suffix {
  display: flex;
  overflow: hidden;
  align-items: center;
}

.input-prefix > span,
.input-suffix > span {
  padding: 0 0.72rem;
  color: var(--slate);
  font-weight: 800;
}

.input-prefix input,
.input-suffix input {
  width: 100%;
  min-width: 0;
  min-height: 47px;
  border: 0;
  padding: 0.7rem 0;
  color: var(--ink);
  background: transparent;
  font: inherit;
  font-size: 1rem;
}

.input-prefix input {
  padding-right: 0.72rem;
}

.input-suffix input {
  padding-left: 0.72rem;
}

.field input:focus,
.field select:focus,
.input-prefix:focus-within,
.input-suffix:focus-within {
  border-color: var(--navy);
  outline: 3px solid rgba(99, 218, 197, 0.4);
  outline-offset: 1px;
}

.input-prefix input:focus,
.input-suffix input:focus {
  outline: 0;
}

.field small {
  display: block;
  margin-top: 0.32rem;
  color: var(--slate);
  font-size: 0.8rem;
}

.standalone-field {
  max-width: 360px;
}

.debt-rows {
  display: grid;
  gap: 0.85rem;
}

.debt-row {
  margin: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 0.9rem;
  background: #fbfaf6;
}

.debt-row legend {
  padding: 0 0.35rem;
  color: var(--navy);
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.debt-fields {
  display: grid;
  grid-template-columns: minmax(145px, 1.25fr) repeat(3, minmax(110px, 1fr));
  gap: 0.75rem;
}

.category-fieldset {
  margin: 0;
  border: 0;
  padding: 0;
}

.category-fieldset legend {
  margin-bottom: 0.6rem;
  padding: 0;
  font-size: 1rem;
}

.form-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
}

.calculator-form button {
  border: 0;
  cursor: pointer;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 900;
}

.button-ghost {
  display: inline-flex;
  min-height: 48px;
  border: 1px solid var(--line) !important;
  border-radius: 999px;
  padding: 0.72rem 1rem;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  background: transparent;
  font-weight: 850 !important;
}

.result-grid {
  display: grid;
  gap: 0.8rem;
}

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

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

.result-card {
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-sm);
  padding: 0.9rem;
  background: rgba(255, 255, 255, 0.07);
}

.result-card span,
.result-feature > span {
  display: block;
  color: #cbd5e9;
  font-size: 0.78rem;
  font-weight: 750;
}

.result-card strong {
  display: block;
  margin-top: 0.18rem;
  color: var(--white);
  font-size: 1.22rem;
  line-height: 1.15;
}

.result-card-accent {
  border-color: rgba(248, 184, 78, 0.55);
  background: rgba(248, 184, 78, 0.12);
}

.result-feature {
  margin-bottom: 1rem;
  border-radius: var(--radius-md);
  padding: 1.2rem;
  background: rgba(99, 218, 197, 0.12);
}

.result-feature strong {
  display: block;
  margin: 0.25rem 0;
  color: var(--mint);
  font-size: clamp(2.15rem, 5vw, 3.2rem);
  line-height: 1;
  letter-spacing: -0.05em;
}

.result-progress {
  overflow: hidden;
  height: 0.58rem;
  margin: 1rem 0;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.12);
}

.result-progress span {
  display: block;
  width: 0;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--mint), var(--gold));
  transition: width 220ms ease;
}

.comparison-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 0.9rem;
  gap: 0.8rem;
}

.comparison-card {
  border-radius: var(--radius-md);
  padding: 1rem;
  color: var(--ink);
  background: var(--white);
}

.method-label {
  display: inline-block;
  border-radius: 999px;
  padding: 0.25rem 0.5rem;
  color: var(--navy);
  background: var(--mint-soft);
  font-size: 0.68rem;
  font-weight: 900;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.gold-label {
  background: var(--gold-soft);
}

.comparison-card h3 {
  margin: 0.6rem 0 0.7rem;
  color: var(--navy);
  font-size: 1.18rem;
}

.comparison-card dl {
  margin: 0;
}

.comparison-card dl > div {
  display: flex;
  border-top: 1px solid #e5e2d9;
  padding: 0.5rem 0;
  justify-content: space-between;
  gap: 0.65rem;
}

.comparison-card dt {
  color: var(--slate);
  font-size: 0.76rem;
}

.comparison-card dd {
  margin: 0;
  color: var(--navy);
  font-size: 0.82rem;
  font-weight: 900;
  text-align: right;
}

.result-message {
  margin: 1rem 0 0;
  border-left: 4px solid var(--gold);
  padding-left: 0.8rem;
  color: #e5eaf4;
  font-size: 0.9rem;
}

.allocation-list {
  margin-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.allocation-list > div {
  display: flex;
  padding: 0.52rem 0;
  justify-content: space-between;
  gap: 1rem;
  color: #dce3f2;
  font-size: 0.87rem;
}

.allocation-list strong {
  color: var(--mint);
}

.has-error .results-panel {
  box-shadow: 0 0 0 3px rgba(248, 184, 78, 0.75), var(--shadow-md);
}

.has-error .result-status {
  color: var(--gold);
}

.calculator-guidance {
  background: var(--white);
}

.guidance-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.2rem;
}

.guidance-grid .info-card h3 {
  margin: 0 0 0.55rem;
  color: var(--navy);
  font-size: 1.35rem;
  line-height: 1.18;
}

.guidance-grid .info-card p {
  margin: 0;
  color: var(--slate);
}

.calculator-note {
  margin-top: 1.4rem;
  border: 1px solid #eed79e;
  border-radius: var(--radius-md);
  padding: 1.35rem;
  background: var(--gold-soft);
}

.calculator-note h2 {
  margin: 0 0 0.5rem;
  color: var(--navy);
  font-size: 1.2rem;
}

.calculator-note ul {
  margin: 0.5rem 0;
  padding-left: 1.2rem;
}

.calculator-note p {
  margin: 0.7rem 0 0;
  color: var(--slate);
  font-size: 0.9rem;
}

.info-card {
  padding: 1.7rem;
}

.info-card h2 {
  margin: 0 0 0.55rem;
  color: var(--navy);
  font-size: 1.55rem;
}

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

.site-footer {
  padding: 3.5rem 0 2rem;
  color: #dce3f2;
  background: var(--navy);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 0.8fr;
  gap: 2rem;
}

.footer-brand {
  color: var(--white);
  font-size: 1.3rem;
  font-weight: 900;
}

.site-footer h2 {
  margin: 0 0 0.75rem;
  color: var(--white);
  font-size: 1rem;
}

.site-footer p,
.site-footer a,
.site-footer li {
  color: #cad2e5;
  font-size: 0.92rem;
}

.site-footer ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.footer-bottom {
  margin-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.13);
  padding-top: 1.25rem;
  color: #aeb9ce;
  font-size: 0.83rem;
}

.empty-state {
  max-width: 720px;
  margin: 4rem auto;
  text-align: center;
}

.empty-state h1 {
  color: var(--navy);
  font-size: clamp(2.7rem, 7vw, 5rem);
  line-height: 1;
}

:focus-visible {
  outline: 3px solid var(--mint);
  outline-offset: 4px;
}

@media (max-width: 920px) {
  .hero-grid,
  .featured-grid,
  .article-shell,
  .band-inner,
  .calculator-shell,
  .calculator-shell-wide {
    grid-template-columns: 1fr;
  }

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

  .guidance-grid {
    grid-template-columns: 1fr;
  }

  .results-panel {
    position: static;
  }

  .hero-note {
    max-width: 600px;
  }

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

  .article-sidebar {
    position: static;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 680px) {
  .header-inner {
    padding: 0.85rem 0;
    align-items: flex-start;
    flex-direction: column;
    gap: 0.65rem;
  }

  .site-header {
    position: static;
  }

  .site-nav {
    width: 100%;
    gap: 0.9rem;
    overflow-x: auto;
    padding-bottom: 0.2rem;
  }

  .site-nav a {
    flex: 0 0 auto;
  }

  .hero {
    padding: 3.25rem 0;
  }

  .section {
    padding: 3.25rem 0;
  }

  .section-heading {
    align-items: flex-start;
    flex-direction: column;
  }

  .article-grid,
  .product-grid,
  .content-grid,
  .article-sidebar,
  .footer-grid,
  .tool-grid {
    grid-template-columns: 1fr;
  }

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

  .debt-name {
    grid-column: 1 / -1;
  }

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

  .result-grid-three .result-card-accent {
    grid-column: 1 / -1;
  }

  .comparison-grid {
    grid-template-columns: 1fr;
  }

  .article-card {
    min-height: 0;
  }

  .page-hero {
    padding: 3.25rem 0 2.6rem;
  }

  .article-shell {
    padding-top: 2.4rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}