@font-face {
  font-family: "DM Sans";
  src: url("assets/fonts/dm-sans-latin-400-normal.woff2") format("woff2");
  font-weight: 400;
  font-style: normal;
}

@font-face {
  font-family: "DM Sans";
  src: url("assets/fonts/dm-sans-latin-500-normal.woff2") format("woff2");
  font-weight: 500;
  font-style: normal;
}

@font-face {
  font-family: "DM Sans";
  src: url("assets/fonts/dm-sans-latin-600-normal.woff2") format("woff2");
  font-weight: 700;
  font-style: normal;
}

:root {
  --bg: #f6f0e4;
  --panel: rgba(255, 255, 255, 0.9);
  --panel-strong: #ffffff;
  --ink: #0d1727;
  --muted: #506076;
  --line: rgba(13, 23, 39, 0.12);
  --accent: #0f5faa;
  --accent-soft: #d9ebff;
  --accent-deep: #07111f;
  --gold: #b68a2a;
  --shadow: 0 18px 40px rgba(7, 17, 31, 0.12);
  --radius: 28px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "DM Sans", system-ui, sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at top right, rgba(15, 95, 170, 0.12), transparent 24rem),
    radial-gradient(circle at left 20%, rgba(182, 138, 42, 0.12), transparent 22rem),
    var(--bg);
}

a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }

.site-shell { width: min(1180px, calc(100% - 2rem)); margin: 0 auto; }
.site-nav,
.site-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.site-nav { padding: 1.25rem 0; }
.site-brand,
.footer-brand {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  color: var(--ink);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.site-links,
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

.site-actions {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  min-height: 46px;
  padding: 0 1.1rem;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 700;
  font-size: 0.95rem;
}

.btn-primary {
  background: var(--accent-deep);
  color: #fff;
  box-shadow: var(--shadow);
}

.btn-secondary {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}

.hero,
.page-hero,
.section-card,
.content-card,
.trust-strip {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero,
.page-hero {
  padding: clamp(1.5rem, 3vw, 3rem);
  display: grid;
  gap: 2rem;
}

.hero { grid-template-columns: 1.2fr 0.9fr; margin-bottom: 2rem; }
.eyebrow {
  display: inline-block;
  margin-bottom: 1rem;
  color: var(--accent);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

h1, h2, h3 { margin: 0 0 0.8rem; line-height: 1.05; }
h1 { font-size: clamp(2.7rem, 6vw, 4.8rem); max-width: 12ch; }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: 1.2rem; }
p, li { color: var(--muted); line-height: 1.65; }

.hero-copy p,
.page-hero p { max-width: 62ch; font-size: 1.05rem; }

.hero-actions { display: flex; gap: 0.8rem; flex-wrap: wrap; margin: 1.5rem 0; }
.hero-points, .page-points {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 0.8rem;
  padding: 0;
  margin: 1.5rem 0 0;
}

.hero-points li,
.page-points li,
.mini-list li {
  background: var(--panel-strong);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 0.9rem 1rem;
}

.hero-visual {
  display: grid;
  gap: 1rem;
  align-content: center;
}

.screen-card,
.mini-stat {
  background: var(--panel-strong);
  border: 1px solid var(--line);
  border-radius: 22px;
}

.screen-card { overflow: hidden; }
.screen-card img { aspect-ratio: 9 / 16; object-fit: cover; }

.mini-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}

.mini-stat { padding: 1rem; }
.mini-stat strong { display: block; font-size: 1.3rem; color: var(--ink); }

.section-grid,
.card-grid,
.link-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.section-card,
.content-card {
  padding: 1.25rem;
}

.content-shell {
  padding: 2rem 0 4rem;
  display: grid;
  gap: 1.5rem;
}

.content-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: minmax(0, 2fr) minmax(260px, 0.9fr);
}

.content-main,
.content-side,
.content-card,
.section-card { min-width: 0; }

.content-main .content-card + .content-card,
.content-main .content-card + .section-card,
.content-main .section-card + .content-card { margin-top: 1.25rem; }

.callout {
  border-left: 4px solid var(--gold);
  padding-left: 1rem;
  margin: 1rem 0;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 1rem;
}

.comparison-table th,
.comparison-table td {
  border-bottom: 1px solid var(--line);
  padding: 0.85rem 0.6rem;
  text-align: left;
  vertical-align: top;
}

.comparison-table th { color: var(--ink); font-size: 0.9rem; }

.calculator-shell {
  display: grid;
  gap: 1.5rem;
}

.calculator-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: minmax(0, 1.08fr) minmax(320px, 0.92fr);
}

.calculator-grid.secondary {
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.calculator-card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.35rem;
}

.calculator-header,
.button-row,
.result-stack {
  display: flex;
  gap: 1rem;
}

.calculator-header {
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
}

.button-row {
  flex-wrap: wrap;
}

.ghost-button {
  min-height: 44px;
  padding: 0 1rem;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: transparent;
  color: var(--ink);
  font: inherit;
  font-weight: 700;
  cursor: pointer;
}

.ghost-button:hover,
.ghost-button:focus-visible {
  border-color: var(--accent);
  color: var(--accent);
}

.form-grid {
  display: grid;
  gap: 1rem;
  margin: 1.25rem 0;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
}

.form-grid-compact {
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
}

.field {
  display: grid;
  gap: 0.45rem;
  font-size: 0.95rem;
  color: var(--ink);
}

.field span {
  font-weight: 700;
}

.field input,
.field select {
  width: 100%;
  min-height: 46px;
  padding: 0.78rem 0.9rem;
  border-radius: 18px;
  border: 1px solid var(--line);
  background: var(--panel-strong);
  color: var(--ink);
  font: inherit;
}

.field input:focus,
.field select:focus {
  outline: 2px solid rgba(15, 95, 170, 0.25);
  outline-offset: 1px;
  border-color: var(--accent);
}

.debt-rows {
  display: grid;
  gap: 0.9rem;
}

.debt-row {
  display: grid;
  gap: 0.85rem;
  grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(120px, 0.8fr)) auto;
  align-items: end;
  padding: 1rem;
  border-radius: 22px;
  border: 1px solid var(--line);
  background: var(--panel-strong);
}

.status-banner {
  padding: 0.95rem 1rem;
  border-radius: 18px;
  border: 1px solid var(--line);
  background: var(--panel-strong);
  color: var(--muted);
  margin-bottom: 1rem;
}

.status-banner.warning {
  border-color: rgba(182, 138, 42, 0.4);
  background: rgba(182, 138, 42, 0.1);
  color: var(--ink);
}

.metric-grid {
  display: grid;
  gap: 0.9rem;
  grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
}

.metric-card,
.strategy-card {
  padding: 1rem;
  border-radius: 22px;
  border: 1px solid var(--line);
  background: var(--panel-strong);
}

.metric-card span,
.strategy-card small {
  display: block;
  color: var(--muted);
  font-size: 0.84rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.metric-card strong,
.strategy-card strong {
  display: block;
  margin-top: 0.5rem;
  color: var(--ink);
  font-size: 1.35rem;
  line-height: 1.15;
}

.result-stack {
  flex-direction: column;
}

.strategy-grid {
  display: grid;
  gap: 0.9rem;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.strategy-card.active {
  border-color: rgba(15, 95, 170, 0.45);
  box-shadow: 0 0 0 1px rgba(15, 95, 170, 0.15);
}

.strategy-topline,
.strategy-metrics {
  display: flex;
  gap: 0.75rem;
}

.strategy-topline {
  align-items: center;
  justify-content: space-between;
  margin-bottom: 0.65rem;
}

.strategy-topline span:first-child {
  color: var(--ink);
  font-weight: 700;
}

.strategy-metrics {
  flex-wrap: wrap;
}

.strategy-metrics > div {
  flex: 1 1 110px;
}

.pill {
  display: inline-flex;
  align-items: center;
  padding: 0.28rem 0.6rem;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent);
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

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

.payoff-order {
  display: grid;
  gap: 0.8rem;
  padding: 0;
  margin: 0;
  list-style: none;
}

.payoff-order li {
  display: flex;
  justify-content: space-between;
  gap: 0.9rem;
  align-items: center;
  padding: 0.95rem 1rem;
  border-radius: 18px;
  border: 1px solid var(--line);
  background: var(--panel-strong);
}

.payoff-order li span {
  color: var(--muted);
  text-align: right;
}

.cta-note {
  display: grid;
  gap: 0.8rem;
  padding: 1rem;
  border-radius: 22px;
  border: 1px solid var(--line);
  background: var(--panel-strong);
}

.site-footer {
  padding: 2rem 0 3rem;
  align-items: flex-start;
  border-top: 1px solid var(--line);
  margin-top: 2rem;
}

.footnote { font-size: 0.92rem; color: var(--muted); }

@media (max-width: 900px) {
  .hero,
  .content-grid,
  .calculator-grid,
  .debt-row { grid-template-columns: 1fr; }
  .site-nav,
  .site-footer { flex-direction: column; align-items: flex-start; }
  .payoff-order li,
  .strategy-topline { align-items: flex-start; }
  .payoff-order li { flex-direction: column; }
}