/* Layout idea: one calm vertical flow in three numbered steps (debts, budget, plan). Light ledger-paper look, teal with an amber "first" accent. */
:root{
  --bg:#f3f6f9;
  --surface:#ffffff;
  --surface-2:#e8f0f5;
  --line:#d3dde7;
  --text:#14202e;
  --body:#2b3a4d;
  --muted:#556579;
  --primary:#0e7c86;
  --primary-text:#0a626b;
  --on-primary:#ffffff;
  --accent:#e58a0f;
  --blue:#2563eb;
  --good:#15803d;
  --warn:#b45309;
  --bad:#b91c1c;
  --font-display:'Bricolage Grotesque','Trebuchet MS',system-ui,sans-serif;
  --font-body:'DM Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--bg);color:var(--text);
  font-family:var(--font-body);font-size:16px;line-height:1.55;
  background-image:radial-gradient(900px 380px at 90% -140px,rgba(14,124,134,.10),transparent 70%);
  background-repeat:no-repeat;
}
h1,h2,h3{font-family:var(--font-display);font-weight:700;line-height:1.12;margin:0;text-wrap:balance;letter-spacing:-.015em}
p{margin:0}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
:focus-visible{outline:2px solid var(--primary-text);outline-offset:2px;border-radius:6px}
.num,td,.tile .big,.r-big{font-variant-numeric:tabular-nums}

/* nav + hero */
.hero{padding:44px 0 26px}
.hero h1{font-size:clamp(36px,6vw,58px);max-width:15em}
.hero p{margin-top:14px;max-width:46em;color:var(--muted);font-size:18px}

/* steps */
.step{margin-top:34px}
.step-head{display:flex;gap:14px;align-items:baseline;margin-bottom:14px}
.step-n{flex:none;width:34px;height:34px;border-radius:50%;border:1.5px solid var(--primary);color:var(--primary-text);display:grid;place-items:center;font-weight:800;font-size:15px}
.step-head h2{font-size:clamp(26px,4vw,34px)}
.step-sub{color:var(--muted);margin:-6px 0 16px 48px;max-width:44em}
@media (max-width:560px){.step-sub{margin-left:0}}

.banner{display:flex;gap:12px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:var(--surface-2);border:1px dashed var(--primary);border-radius:12px;padding:12px 16px;margin-bottom:16px;font-size:15px}
.banner[hidden]{display:none}

/* buttons */
button{font:inherit;color:inherit;cursor:pointer}
.btn{background:var(--primary);color:var(--on-primary);border:0;border-radius:10px;min-height:44px;padding:0 18px;font-weight:700}
.btn:hover{background:var(--primary-text)}
.btn-ghost{background:transparent;color:var(--text);border:1px solid var(--line);border-radius:10px;min-height:44px;padding:0 16px;font-weight:600}
.btn-ghost:hover{border-color:var(--primary);color:var(--primary-text)}
.add-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px;align-items:center}
.add-row .lbl{color:var(--muted);font-size:14px;margin-right:4px}

/* debt cards */
.debts{display:grid;grid-template-columns:repeat(auto-fill,minmax(310px,1fr));gap:16px}
.debt{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px;display:flex;flex-direction:column;gap:12px}
.debt-head{display:flex;justify-content:space-between;align-items:center;gap:10px}
.type-select{background:var(--surface-2);color:var(--primary-text);border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-weight:700;font-size:14px;font-family:inherit}
.rm{background:transparent;border:0;color:var(--muted);font-size:14px;padding:8px 6px;text-decoration:underline;text-underline-offset:3px}
.rm:hover{color:var(--bad)}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.f{display:flex;flex-direction:column;gap:5px;min-width:0}
.f.wide{grid-column:1/-1}
.f label{font-size:13px;font-weight:600;color:var(--muted)}
.in{position:relative}
.in input,.in select,.f select,.f input[type=text]{width:100%;min-height:44px;background:var(--bg);color:var(--text);border:1px solid var(--line);border-radius:10px;padding:0 12px;font:inherit;font-size:16px}
.in input:hover,.f select:hover{border-color:var(--primary)}
.in input:focus,.f select:focus,.f input:focus{border-color:var(--primary);outline:none;box-shadow:0 0 0 3px rgba(14,124,134,.2)}
.in .pre,.in .suf{position:absolute;top:0;bottom:0;display:grid;place-items:center;color:var(--muted);font-weight:600;pointer-events:none;width:30px}
.in .pre{left:0}.in .suf{right:0}
.in.has-pre input{padding-left:26px}
.in.has-suf input{padding-right:28px}
.term-row{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.hint{font-size:13px;color:var(--muted)}
.info{margin-top:auto;border-top:1px solid var(--line);padding-top:10px;font-size:14px;display:flex;flex-direction:column;gap:3px}
.info .k{color:var(--muted)}
.info .warn{color:var(--bad);font-weight:600}
.info .est{color:var(--warn)}

/* budget */
.budget{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:20px;display:grid;grid-template-columns:1.4fr 1fr;gap:24px}
@media (max-width:720px){.budget{grid-template-columns:1fr}}
.budget .big-in{max-width:240px}
input[type=range]{width:100%;accent-color:var(--primary);margin-top:10px;height:28px}
.budget-total{margin-top:10px;color:var(--muted);font-size:14px}
.budget-total b{color:var(--text)}

/* results */
.empty{background:var(--surface);border:1px dashed var(--line);border-radius:14px;padding:28px;text-align:center;color:var(--muted)}
.warnbox{background:rgba(185,28,28,.06);border:1px solid rgba(185,28,28,.4);border-radius:12px;padding:12px 16px;margin-bottom:16px;font-size:15px}
.warnbox ul{margin:6px 0 0;padding-left:20px}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.tile{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:4px}
.tile.lead{border-color:var(--primary);background:linear-gradient(160deg,#dff1f2,var(--surface))}
.tile .lbl{font-size:13px;color:var(--muted);font-weight:600}
.tile .big{font-family:var(--font-display);font-size:34px;font-weight:700;line-height:1.1;color:var(--primary-text)}
.tile .big.good{color:var(--good)}
.tile .sub{font-size:14px;color:var(--muted)}

.seg{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:10px;margin:26px 0 14px}
.seg button{text-align:left;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:12px 14px;display:flex;flex-direction:column;gap:2px;min-height:44px}
.seg button:hover{border-color:var(--primary)}
.seg button[aria-pressed=true]{border-color:var(--primary);background:var(--surface-2);box-shadow:inset 0 0 0 1px var(--primary)}
.seg .nm{font-weight:800;display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.seg .ds{font-size:13px;color:var(--muted)}
.badge{font-size:11px;font-weight:800;letter-spacing:.4px;text-transform:uppercase;background:var(--primary);color:var(--on-primary);border-radius:999px;padding:2px 8px}
.strat-note{color:var(--muted);margin-bottom:16px;max-width:52em}

.order{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.rank{display:grid;grid-template-columns:40px 1fr auto;gap:14px;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:14px 16px;align-items:start}
.rank:first-child{border-color:var(--primary)}
.rank .n{width:36px;height:36px;border-radius:50%;background:var(--surface-2);border:1px solid var(--primary);color:var(--primary-text);display:grid;place-items:center;font-weight:800}
.rank:first-child .n{background:var(--primary);color:var(--on-primary)}
.r-top{display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.r-top strong{font-size:17px}
.pill{font-size:12px;font-weight:700;color:var(--primary-text);border:1px solid var(--line);background:var(--surface-2);border-radius:999px;padding:2px 10px}
.r-meta{font-size:14px;color:var(--muted);margin-top:2px}
.r-why{font-size:14px;margin-top:6px}
.r-end{text-align:right;min-width:130px}
.r-big{font-weight:800;color:var(--good)}
.r-sub{font-size:13px;color:var(--muted)}
@media (max-width:620px){
  .rank{grid-template-columns:36px 1fr}
  .r-end{grid-column:1/-1;text-align:left;border-top:1px solid var(--line);padding-top:8px}
}

.panel{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:18px}
.panel h3{font-size:26px;margin-bottom:4px}
.panel .cap{color:var(--muted);font-size:14px;margin-bottom:12px}
.tbl{overflow-x:auto}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}
th,td{text-align:right;padding:10px 12px;border-bottom:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
th{font-size:12px;letter-spacing:.4px;text-transform:uppercase;color:var(--muted);font-weight:700}
tr.best td{background:rgba(14,124,134,.08)}
tr.sel td:first-child{box-shadow:inset 3px 0 0 var(--primary)}
td .tag{margin-left:6px}
.two{display:grid;gap:16px;margin-top:22px}

.legend{display:flex;gap:18px;flex-wrap:wrap;font-size:14px;margin-bottom:6px}
.legend i{display:inline-block;width:22px;height:0;border-top:3px solid;vertical-align:middle;margin-right:6px}
.chart svg{display:block;width:100%;height:auto;touch-action:none}
.chart text{fill:var(--muted);font-size:11px;font-family:var(--font-body)}
.readout{min-height:24px;font-size:14px;color:var(--muted);margin-top:6px}
.readout b{color:var(--text)}

.notes{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px}
.note{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px}
.note h3{font-size:22px;color:var(--primary-text);margin-bottom:4px}
.note p{font-size:14px;color:var(--muted)}

footer{margin-top:56px;border-top:1px solid var(--line);padding:28px 0 48px;color:var(--muted);font-size:14px}
footer .fine{margin-top:14px;font-size:12.5px;max-width:70em}
.sr{position:absolute;left:-9999px}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}

/* site nav */
.nav{border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px 24px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.brand{font-family:var(--font-display);font-size:23px;font-weight:800;letter-spacing:-.02em;color:var(--text);text-decoration:none;display:inline-flex;align-items:center;gap:10px}
.brand svg{display:block}
.nav ul,.foot-links{list-style:none;margin:0;padding:0;display:flex;gap:6px 20px;flex-wrap:wrap}
.nav a,.foot-links a{color:var(--muted);text-decoration:none;font-size:15px;padding:8px 0;display:inline-block}
.nav a:hover,.foot-links a:hover,.nav a[aria-current=page]{color:var(--primary-text)}
/* ad slots stay invisible until an ad script fills them */
.ad{margin:28px 0;text-align:center;min-height:0}
.ad:empty{display:none}
/* article pages */
.prose{max-width:46rem;padding:40px 0 8px}
.prose h1{font-size:clamp(34px,5vw,50px);margin-bottom:8px}
.prose .updated{color:var(--muted);font-size:14px;margin-bottom:24px}
.prose h2{font-size:28px;margin:30px 0 8px;color:var(--primary-text)}
.prose p,.prose li{color:var(--body);margin:0 0 12px}
.prose ul{padding-left:22px;margin:0 0 12px}
.prose a{color:var(--primary-text)}
.prose .btn{display:inline-flex;align-items:center;text-decoration:none;color:var(--on-primary)}

/* guides */
a.note{text-decoration:none;color:inherit;display:block}
a.note:hover{border-color:var(--primary)}
a.note h3{color:var(--primary-text)}
.guides-grid{margin-top:8px}
.guides-intro{padding-bottom:0}
.callout{border:1px solid var(--primary);background:var(--surface-2);border-radius:14px;padding:6px 20px 12px;margin:30px 0}
.callout h2{margin-top:16px}
.prose ol{padding-left:22px;margin:0 0 12px}
.prose .tbl{margin:8px 0 18px}
.prose table{min-width:420px}
.prose .fine-print{font-size:13px;color:var(--muted);margin-top:24px;border-top:1px solid var(--line);padding-top:14px}

.rank:first-child .n{background:var(--accent);border-color:var(--accent);color:#fff}
.rank:first-child{border-color:var(--accent)}
.tile.lead{border-color:var(--accent)}
.tile .big{font-weight:800}
.seg button[aria-pressed=true]{background:#eef7f8}
.nav .brand{display:inline-flex;align-items:center;gap:10px;padding:4px 0;color:var(--text);font-size:23px}
.nav .brand:hover{color:var(--text)}

/* clearer example banner + compact mobile top */
.banner{background:#fff4e0;border:1.5px solid var(--accent);border-style:solid}
.banner strong{color:var(--text)}
.btn-accent{background:var(--accent);color:#1b1200;box-shadow:0 1px 0 rgba(0,0,0,.12)}
.btn-accent:hover{background:#cf7a0a;color:#fff}
@media (max-width:560px){
  .nav .wrap{padding-top:6px;padding-bottom:4px;gap:0 12px}
  .nav .brand{font-size:19px;padding:2px 0}
  .nav .brand svg{width:26px;height:26px}
  .nav ul{gap:0 14px;flex-wrap:nowrap;overflow-x:auto;width:100%;scrollbar-width:none}
  .nav ul::-webkit-scrollbar{display:none}
  .nav a{font-size:14px;padding:4px 0;white-space:nowrap}
  .hero{padding:14px 0 4px}
  .hero h1{font-size:27px}
  .hero p{margin-top:6px;font-size:15px;line-height:1.4}
  .step{margin-top:14px}
  .step-head{margin-bottom:8px}
  .step-head h2{font-size:23px}
  .step-n{width:28px;height:28px;font-size:13px}
  .step-sub-long{display:none}
  .banner{padding:10px 12px;margin-bottom:12px;font-size:14px;gap:8px}
  .banner .btn{width:100%}
}