@import url("https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,500;9..144,700;9..144,800&family=Outfit:wght@400;500;600;700;800&display=swap");

:root {
  color-scheme: light;
  --ink: #0c1b2a;
  --ink-soft: #1a3348;
  --muted: #5a6d7c;
  --teal: #0d7c72;
  --teal-deep: #065f58;
  --sand: #f3ead7;
  --paper: #f7f4ee;
  --paper-bright: #fffcf7;
  --line: #e2d8c8;
  --glow: rgba(13, 124, 114, 0.18);
  --shadow: 0 24px 60px rgba(12, 27, 42, 0.12);
  --radius: 1.25rem;
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Outfit", system-ui, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background:
    radial-gradient(1200px 500px at 10% -10%, rgba(13, 124, 114, 0.12), transparent 55%),
    radial-gradient(900px 420px at 100% 0%, rgba(155, 103, 0, 0.08), transparent 50%),
    linear-gradient(180deg, #fbf8f2 0%, var(--paper) 40%, #efe8db 100%);
  font-family: var(--font-body);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--teal-deep); }
a:hover { color: var(--teal); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  backdrop-filter: blur(14px);
  background: rgba(255, 252, 247, 0.82);
  border-bottom: 1px solid rgba(226, 216, 200, 0.8);
}

.site-header__inner,
.article,
.site-footer__inner,
.hero__inner,
.hub {
  width: min(100% - 2rem, 58rem);
  margin: 0 auto;
}

.site-header__inner {
  min-height: 4.35rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  color: var(--ink);
  text-decoration: none;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.brand img {
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(13, 124, 114, 0.15);
}

.site-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 0.5rem 1rem;
  font-size: 0.92rem;
}

.site-nav a {
  text-decoration: none;
  font-weight: 650;
  color: var(--ink-soft);
}

.site-nav a:hover { color: var(--teal); }

/* —— Hero wow —— */
.hero {
  position: relative;
  overflow: hidden;
  padding: 4.2rem 1rem 3.4rem;
  border-bottom: 1px solid var(--line);
  background:
    linear-gradient(135deg, rgba(12, 27, 42, 0.92) 0%, rgba(13, 84, 78, 0.88) 52%, rgba(12, 27, 42, 0.94) 100%);
  color: #f8fafc;
}

.hero::before {
  content: "";
  position: absolute;
  inset: -20% -10% auto auto;
  width: min(70vw, 520px);
  height: min(70vw, 520px);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(243, 234, 215, 0.22), transparent 68%);
  animation: float-orb 12s ease-in-out infinite;
  pointer-events: none;
}

.hero::after {
  content: "";
  position: absolute;
  left: -8%;
  bottom: -40%;
  width: 45%;
  height: 80%;
  background: radial-gradient(circle, rgba(13, 124, 114, 0.35), transparent 70%);
  pointer-events: none;
}

.hero__inner {
  position: relative;
  z-index: 1;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  margin: 0 0 1rem;
  padding: 0.35rem 0.75rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #d8f3ef;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  animation: rise 0.7s ease both;
}

.hero h1 {
  max-width: 18ch;
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(2.35rem, 6vw, 4rem);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.03em;
  animation: rise 0.85s 0.08s ease both;
}

.hero .lead {
  max-width: 38rem;
  margin: 1.25rem 0 0;
  color: rgba(248, 250, 252, 0.86);
  font-size: clamp(1.1rem, 2.2vw, 1.35rem);
  font-weight: 450;
  animation: rise 0.9s 0.16s ease both;
}

.hero .reviewed {
  margin: 1.4rem 0 0;
  color: rgba(248, 250, 252, 0.62);
  font-size: 0.9rem;
  animation: rise 0.9s 0.24s ease both;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.75rem;
  animation: rise 0.95s 0.28s ease both;
}

/* —— Article body —— */
.article {
  padding: 2.8rem 0 4.8rem;
}

.article h2 {
  margin: 3.1rem 0 0.95rem;
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3.2vw, 2.05rem);
  line-height: 1.18;
  letter-spacing: -0.02em;
  position: relative;
  padding-left: 0.85rem;
}

.article h2::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.2em;
  bottom: 0.15em;
  width: 4px;
  border-radius: 99px;
  background: linear-gradient(180deg, var(--teal), #9b6700);
}

.article h3 {
  margin: 1.75rem 0 0.5rem;
  font-size: 1.12rem;
  font-weight: 750;
  line-height: 1.3;
  color: var(--ink-soft);
}

.article p { margin: 0 0 1.05rem; color: #243746; }
.article ul, .article ol { margin: 0 0 1.2rem; padding-left: 1.25rem; }
.article li { margin: 0.45rem 0; color: #243746; }

.summary,
.notice,
.sources,
.related,
.callout-wow {
  margin: 1.7rem 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.25rem 1.35rem;
  background: var(--paper-bright);
  box-shadow: 0 10px 30px rgba(12, 27, 42, 0.04);
}

.summary {
  border-color: rgba(13, 124, 114, 0.25);
  background:
    linear-gradient(135deg, rgba(232, 247, 245, 0.95), rgba(255, 252, 247, 0.98));
}

.notice { border-color: rgba(13, 124, 114, 0.2); background: #eef8f6; }
.notice--caution {
  border-color: #e8d19a;
  background: linear-gradient(135deg, #fff8e8, #fffdf8);
}

.callout-wow {
  position: relative;
  overflow: hidden;
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 2.5vw, 1.65rem);
  line-height: 1.35;
  font-weight: 700;
  letter-spacing: -0.02em;
  border-color: transparent;
  background: linear-gradient(135deg, #0c1b2a, #0d544e 70%);
  color: #f8fafc;
  box-shadow: var(--shadow);
}

.callout-wow::after {
  content: "";
  position: absolute;
  right: -10%;
  top: -40%;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: rgba(243, 234, 215, 0.15);
}

.formula-wow {
  margin: 1.5rem 0;
  padding: 1.35rem 1.5rem;
  border-radius: var(--radius);
  background: linear-gradient(135deg, #10273a, #1a4d5c);
  color: #f1f5f9;
  font-family: var(--font-display);
  font-size: clamp(1.2rem, 3vw, 1.75rem);
  line-height: 1.3;
  font-weight: 700;
  box-shadow: var(--shadow);
}

.steps-wow {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 0.85rem;
  margin: 1.5rem 0 2rem;
}

.step-wow {
  padding: 1rem;
  border-radius: 1rem;
  background: var(--paper-bright);
  border: 1px solid var(--line);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.step-wow:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 30px rgba(12, 27, 42, 0.08);
}

.step-wow span {
  display: inline-flex;
  width: 2rem;
  height: 2rem;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  margin-bottom: 0.65rem;
  background: var(--teal);
  color: #fff;
  font-weight: 800;
  font-size: 0.85rem;
}

.step-wow h3 {
  margin: 0 0 0.35rem;
  font-size: 1rem;
  color: var(--ink);
  padding: 0;
}

.step-wow h3::before { display: none; }
.step-wow p { margin: 0; font-size: 0.9rem; color: var(--muted); }

.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.2rem 0;
  background: var(--paper-bright);
  font-size: 0.94rem;
  border-radius: 12px;
  overflow: hidden;
}

.data-table th,
.data-table td {
  border: 1px solid var(--line);
  padding: 0.75rem;
  text-align: left;
  vertical-align: top;
}

.data-table th {
  background: #ebe4d6;
  font-weight: 800;
}

.table-scroll { overflow-x: auto; }

.action-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin: 1.6rem 0;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 2.9rem;
  padding: 0.7rem 1.2rem;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--teal), var(--teal-deep));
  color: #fff;
  text-decoration: none;
  font-weight: 750;
  box-shadow: 0 10px 24px var(--glow);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.button:hover {
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 14px 28px rgba(13, 124, 114, 0.28);
}

.button--quiet {
  background: var(--paper-bright);
  border: 1px solid var(--line);
  color: var(--teal-deep);
  box-shadow: none;
}

.button--quiet:hover {
  color: var(--teal);
  background: #fff;
}

.button--light {
  background: #fff;
  color: var(--ink);
}

.button--ghost {
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.45);
  color: #fff;
  box-shadow: none;
}

.button--ghost:hover {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
}

.sources h2,
.related h2 {
  margin-top: 0;
  font-size: 1.25rem;
  padding-left: 0;
}

.sources h2::before,
.related h2::before { display: none; }

.sources { font-size: 0.94rem; color: var(--muted); }

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: none;
}

.site-footer {
  background: var(--ink);
  color: #d8e0e7;
  padding: 2.4rem 1rem;
  font-size: 0.9rem;
}

.site-footer p { margin: 0; }
.site-footer a { color: #9adfd6; }

/* Hub / blog */
.hub { padding: 2.8rem 0 4.5rem; }
.hub-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.hub-card {
  display: block;
  min-height: 100%;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.35rem;
  background: var(--paper-bright);
  color: var(--ink);
  text-decoration: none;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.hub-card:hover {
  transform: translateY(-4px);
  border-color: rgba(13, 124, 114, 0.35);
  box-shadow: var(--shadow);
  color: var(--ink);
}

.hub-card h2 {
  margin: 0.65rem 0 0.55rem;
  font-family: var(--font-display);
  font-size: 1.45rem;
  padding-left: 0;
}

.hub-card h2::before { display: none; }
.hub-card p { margin: 0; color: var(--muted); }
.hub-label {
  color: var(--teal);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.hub-list {
  display: grid;
  gap: 0.75rem;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 1rem;
}

.hub-list a {
  display: block;
  border-left: 4px solid var(--teal);
  padding: 0.95rem 1rem;
  background: var(--paper-bright);
  border-radius: 0 12px 12px 0;
  text-decoration: none;
  font-weight: 750;
  color: var(--ink);
  transition: background 0.2s ease, transform 0.2s ease;
}

.hub-list a:hover {
  background: #fff;
  transform: translateX(3px);
}

.hub-list a span {
  display: block;
  margin-top: 0.25rem;
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 450;
}

@keyframes rise {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: none; }
}

@keyframes float-orb {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(-18px, 22px) scale(1.06); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation: none !important;
    transition: none !important;
  }
  .reveal { opacity: 1; transform: none; }
}

/* —— Tool / calculator pages —— */
.wrap-wide,
.tool-wrap {
  width: min(100% - 2rem, 68rem);
  margin: 0 auto;
}

.section-block { padding: 3.2rem 0; }
.section-block--band {
  background: rgba(255, 252, 247, 0.55);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.section-intro { max-width: 42rem; }
.section-intro .eyebrow-soft {
  margin: 0 0 0.65rem;
  color: var(--teal);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.section-intro h2 {
  margin: 0 0 0.85rem;
  font-family: var(--font-display);
  font-size: clamp(1.65rem, 3.5vw, 2.35rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
}
.section-intro .muted { margin: 0; color: var(--muted); font-size: 1.08rem; }

.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1.6rem;
}
.card-soft {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.25rem;
  background: var(--paper-bright);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.card-soft:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}
.card-soft h3 {
  margin: 0 0 0.45rem;
  font-family: var(--font-display);
  font-size: 1.2rem;
}
.card-soft p { margin: 0; color: var(--muted); font-size: 0.95rem; }

.tool {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 1.25rem;
  margin-top: 1.6rem;
}
.panel {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem;
  background: var(--paper-bright);
  box-shadow: 0 10px 30px rgba(12, 27, 42, 0.04);
}
.field { margin-bottom: 0.9rem; }
.field label,
label.field-label {
  display: block;
  margin-bottom: 0.35rem;
  color: var(--ink-soft);
  font-weight: 700;
  font-size: 0.92rem;
}
.panel input,
.panel select,
.field input,
.field select {
  width: 100%;
  min-height: 2.85rem;
  border: 1px solid var(--line);
  border-radius: 0.75rem;
  padding: 0.55rem 0.8rem;
  font: inherit;
  color: var(--ink);
  background: #fff;
}
.panel input:focus,
.panel select:focus {
  outline: 2px solid rgba(13, 124, 114, 0.35);
  border-color: var(--teal);
}

.debt-row {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 0.7fr 0.8fr;
  gap: 0.65rem;
  margin-bottom: 0.75rem;
}
.debt-row label {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--muted);
}

.result {
  min-height: 100%;
  border-radius: var(--radius);
  padding: 1.65rem;
  color: #fff;
  background: linear-gradient(135deg, #0c1b2a, #0d544e);
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.result.warning,
.result.warn { background: linear-gradient(135deg, #5c3d0a, #9b6700); }
.result.danger { background: linear-gradient(135deg, #4a1515, #8b1e1e); }
.result p { color: rgba(255, 255, 255, 0.84); margin: 0 0 0.7rem; }
.result strong.big,
.result > strong {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  line-height: 1;
  margin: 0.55rem 0 0.85rem;
}
.priority {
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 0.85rem;
  padding: 0.95rem;
  margin-top: 0.75rem;
}
.priority strong { display: block; font-size: 1.2rem; margin-bottom: 0.15rem; }
.mini { color: rgba(255, 255, 255, 0.72); font-size: 0.88rem; }

.split-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
  margin-top: 1.1rem;
}
.small-result {
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 0.85rem;
  padding: 0.9rem;
}
.small-result span { display: block; color: rgba(255, 255, 255, 0.72); font-size: 0.85rem; }
.small-result b { font-size: 1.45rem; font-family: var(--font-display); }

.meter {
  height: 0.85rem;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(226, 216, 200, 0.9);
  margin-top: 0.85rem;
}
.result .meter { background: rgba(255, 255, 255, 0.22); }
.meter > div {
  height: 100%;
  width: 0%;
  background: linear-gradient(90deg, var(--teal), #9b6700);
  transition: width 0.25s ease;
}
.result .meter > div { background: #fff; }

.cta-banner {
  background: linear-gradient(135deg, #0c1b2a, #10273a);
  color: #fff;
  border-radius: var(--radius);
  padding: 1.75rem;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1.25rem;
  align-items: center;
  box-shadow: var(--shadow);
}
.cta-banner h2 {
  margin: 0 0 0.4rem;
  font-family: var(--font-display);
  color: #fff;
  padding: 0;
  font-size: 1.45rem;
}
.cta-banner h2::before { display: none; }
.cta-banner p { margin: 0; color: rgba(255, 255, 255, 0.78); }

.task {
  width: 100%;
  text-align: left;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 0.85rem;
  padding: 0.9rem 1rem;
  margin: 0.55rem 0;
  cursor: pointer;
  font: inherit;
  color: var(--ink);
  transition: background 0.2s ease, border-color 0.2s ease;
}
.task.done {
  background: #eef8f6;
  border-color: rgba(13, 124, 114, 0.35);
}

.hero-mock {
  border-radius: 1.5rem;
  overflow: hidden;
  background: rgba(0, 0, 0, 0.25);
  padding: 0.65rem;
  box-shadow: 0 30px 70px rgba(0, 0, 0, 0.35);
  animation: rise 1s 0.2s ease both;
}
.hero-mock img { display: block; width: 100%; border-radius: 1rem; }
.hero-mini {
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 1.25rem;
  background: rgba(255, 255, 255, 0.12);
  padding: 1.4rem;
  box-shadow: 0 22px 60px rgba(0, 0, 0, 0.22);
  animation: rise 1s 0.2s ease both;
}
.hero-mini p { margin: 0; color: rgba(255, 255, 255, 0.82); }
.hero-mini strong {
  display: block;
  font-family: var(--font-display);
  font-size: 3.4rem;
  line-height: 1;
  margin: 0.7rem 0;
  color: #fff;
}
.hero-split {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(240px, 0.95fr);
  gap: 2.5rem;
  align-items: center;
}

.lead-form {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem;
  background: var(--paper-bright);
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(240px, 0.75fr);
  gap: 1.4rem;
  align-items: end;
  box-shadow: 0 10px 30px rgba(12, 27, 42, 0.04);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; }
.form-grid .full { grid-column: 1 / -1; }
.small-note { margin-top: 0.55rem; color: var(--muted); font-size: 0.88rem; }

.checklist {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 1.25rem;
  margin-top: 1.6rem;
}

@media (max-width: 48rem) {
  .hub-grid, .hub-list { grid-template-columns: 1fr; }
  .cards-3, .tool, .split-2, .cta-banner, .lead-form, .form-grid, .checklist, .hero-split {
    grid-template-columns: 1fr;
  }
  .debt-row {
    grid-template-columns: 1fr;
    padding: 0.85rem;
    border: 1px solid var(--line);
    border-radius: 0.85rem;
  }
  .site-header__inner {
    align-items: flex-start;
    flex-direction: column;
    padding: 0.75rem 0;
  }
  .site-nav { justify-content: flex-start; }
  .hero { padding-top: 3rem; }
  .hero h1 { max-width: none; }
}