/* ==========================================================================
   DebtPayoff.io — Design System
   ========================================================================== */

:root{
  --navy-900:#0a1f3d;
  --navy-800:#0f2a4a;
  --navy-700:#15375e;
  --navy-600:#1c4a7a;
  --blue-500:#2563eb;
  --blue-400:#3b82f6;
  --teal-600:#0d9488;
  --teal-500:#0ea5a0;
  --green-600:#0e9f6e;
  --green-500:#16b981;
  --amber-500:#f59e0b;
  --red-500:#e11d48;
  --gray-50:#f8fafc;
  --gray-100:#f1f5f9;
  --gray-200:#e2e8f0;
  --gray-300:#cbd5e1;
  --gray-400:#94a3b8;
  --gray-500:#64748b;
  --gray-600:#475569;
  --gray-700:#334155;
  --gray-800:#1e293b;
  --gray-900:#0f172a;
  --white:#ffffff;

  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --radius-sm:6px;
  --radius-md:10px;
  --radius-lg:16px;
  --shadow-sm:0 1px 2px rgba(15,23,42,.06);
  --shadow-md:0 4px 12px rgba(15,23,42,.08);
  --shadow-lg:0 12px 32px rgba(15,23,42,.12);
  --container:1180px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font-sans);
  color:var(--gray-800);
  background:var(--gray-50);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--blue-500);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--font-sans);font-weight:800;color:var(--navy-900);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,3.6vw,2.75rem)}
h2{font-size:clamp(1.4rem,2.6vw,1.9rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{max-width:var(--container);margin:0 auto;padding:0 20px}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy-900);color:#fff;padding:10px 16px;z-index:1000;border-radius:0 0 8px 0}
.skip-link:focus{left:0}

/* ---------- Top utility bar ---------- */
.topbar{background:var(--navy-900);color:var(--gray-300);font-size:.8rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;padding-top:6px;padding-bottom:6px}
.topbar a{color:var(--gray-300)}
.topbar span{opacity:.75}

/* ---------- Header / Nav ---------- */
.site-header{background:var(--white);border-bottom:1px solid var(--gray-200);position:sticky;top:0;z-index:100;box-shadow:var(--shadow-sm)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:24px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.3rem;color:var(--navy-900)}
.brand:hover{text-decoration:none}
.brand-mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--teal-500),var(--blue-500));display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:1rem;flex:none}
.main-nav{display:flex;align-items:center;gap:28px}
.main-nav > ul{list-style:none;display:flex;gap:26px;margin:0;padding:0;align-items:center}
.main-nav a{color:var(--gray-700);font-weight:600;font-size:.95rem}
.main-nav a:hover{color:var(--blue-500);text-decoration:none}
.has-mega{position:relative}
.has-mega > a::after{content:"▾";font-size:.7em;margin-left:4px;color:var(--gray-400)}
.mega-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%);width:640px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-md);box-shadow:var(--shadow-lg);padding:18px;display:none;grid-template-columns:1fr 1fr;gap:4px 20px;margin-top:12px}
.has-mega:hover .mega-menu,.has-mega:focus-within .mega-menu{display:grid}
.mega-menu a{display:block;padding:8px 10px;border-radius:8px;font-weight:600;font-size:.88rem;color:var(--gray-700)}
.mega-menu a:hover{background:var(--gray-100);text-decoration:none;color:var(--navy-900)}
.mega-menu a span{display:block;font-weight:400;font-size:.78rem;color:var(--gray-500);margin-top:2px}
.nav-cta{background:var(--navy-900);color:#fff !important;padding:9px 18px;border-radius:8px}
.nav-cta:hover{background:var(--blue-500);text-decoration:none}
.nav-toggle{display:none;background:none;border:1px solid var(--gray-300);border-radius:8px;padding:8px 10px;font-size:1.1rem}

@media (max-width:900px){
  .main-nav > ul{display:none}
  .nav-cta{display:none}
  .nav-toggle{display:block}
  .mega-menu{position:static;transform:none;width:auto;box-shadow:none;border:none;padding:6px 0 0 12px;margin-top:6px}
}

/* ---------- Hero ---------- */
.hero{background:radial-gradient(1200px 500px at 15% -10%,rgba(59,130,246,.25),transparent),linear-gradient(160deg,var(--navy-900),var(--navy-700) 60%,var(--navy-600));color:#fff;padding:64px 0 76px;position:relative;overflow:hidden}
.hero .container{position:relative;z-index:2}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:6px 14px;border-radius:99px;font-size:.8rem;font-weight:700;letter-spacing:.02em;color:var(--gray-100);margin-bottom:18px}
.hero h1{color:#fff;max-width:780px}
.hero p.lead{color:#cfd9ec;max-width:640px;font-size:1.1rem}
.hero-stats{display:flex;gap:36px;margin-top:32px;flex-wrap:wrap}
.hero-stats div strong{display:block;font-size:1.6rem;color:#fff}
.hero-stats div span{font-size:.82rem;color:#a9bbdd}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 22px;border-radius:9px;font-weight:700;font-size:.95rem;border:1px solid transparent;cursor:pointer}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--teal-500);color:#fff}
.btn-primary:hover{background:var(--teal-600)}
.btn-secondary{background:#fff;color:var(--navy-900);border-color:var(--gray-300)}
.btn-secondary:hover{background:var(--gray-100)}
.btn-block{width:100%}
.btn-ghost{background:transparent;color:var(--blue-500);border-color:transparent}

/* ---------- Cards / Grid ---------- */
section{padding:56px 0}
.section-head{max-width:680px;margin:0 auto 36px;text-align:center}
.section-head p{color:var(--gray-500)}
.eyebrow{color:var(--teal-600);font-weight:800;letter-spacing:.06em;text-transform:uppercase;font-size:.78rem}

.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:20px}
.calc-card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:24px;box-shadow:var(--shadow-sm);transition:transform .15s ease,box-shadow .15s ease}
.calc-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);text-decoration:none}
.calc-card .icon{width:44px;height:44px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:14px;background:var(--gray-100)}
.calc-card h3{margin-bottom:6px;color:var(--navy-900);font-size:1.05rem}
.calc-card p{color:var(--gray-500);font-size:.88rem;margin-bottom:0}
.calc-card .tag{display:inline-block;margin-top:12px;font-size:.72rem;font-weight:700;color:var(--teal-600);background:#e6f7f4;padding:3px 9px;border-radius:99px}

.feature-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:28px}
.feature{padding:4px}
.feature .icon{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,var(--teal-500),var(--blue-500));display:flex;align-items:center;justify-content:center;color:#fff;font-size:1.2rem;margin-bottom:14px}

.bg-alt{background:#fff;border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200)}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs{padding:14px 0;font-size:.82rem;color:var(--gray-500);background:var(--white);border-bottom:1px solid var(--gray-200)}
.breadcrumbs a{color:var(--gray-500)}
.breadcrumbs a:hover{color:var(--blue-500)}
.breadcrumbs .sep{margin:0 6px;color:var(--gray-300)}

/* ---------- Calculator page layout ---------- */
.calc-hero{background:linear-gradient(160deg,var(--navy-900),var(--navy-700));color:#fff;padding:42px 0 40px}
.calc-hero h1{color:#fff;margin-bottom:10px}
.calc-hero p{color:#cfd9ec;max-width:720px;margin-bottom:0;font-size:1.05rem}
.calc-hero .breadcrumbs-inline{font-size:.8rem;color:#9db1d6;margin-bottom:14px}
.calc-hero .breadcrumbs-inline a{color:#c4d3ef}

.calc-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:32px;align-items:start;padding-top:36px}
@media (max-width:980px){.calc-layout{grid-template-columns:1fr}}

.calc-panel{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);padding:28px;margin-bottom:28px}
.calc-panel h2{margin-bottom:18px}
.field-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-bottom:8px}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-weight:700;font-size:.85rem;color:var(--gray-700)}
.field .hint{font-size:.76rem;color:var(--gray-400);font-weight:400}
.field input,.field select{width:100%;min-width:0;border:1.5px solid var(--gray-300);border-radius:8px;padding:11px 12px;font-size:.98rem;font-family:inherit;color:var(--gray-900);background:#fff}
.field input:focus,.field select:focus{outline:none;border-color:var(--blue-400);box-shadow:0 0 0 3px rgba(59,130,246,.15)}
.input-prefix{position:relative}
.input-prefix span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--gray-400);font-weight:600}
.input-prefix input{padding-left:26px}
.input-suffix input{padding-right:30px}
.input-suffix{position:relative}
.input-suffix span{position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--gray-400);font-weight:600}

.debt-rows{display:flex;flex-direction:column;gap:12px;margin-bottom:14px}
.debt-row{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr) minmax(0,1fr) minmax(0,1fr) auto;gap:10px;align-items:end;background:var(--gray-50);border:1px solid var(--gray-200);border-radius:10px;padding:12px}
@media (max-width:700px){.debt-row{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}
.debt-row .field label{font-size:.72rem}
.remove-row{background:#fff;border:1.5px solid var(--gray-300);color:var(--red-500);border-radius:8px;height:40px;width:40px;font-weight:800;cursor:pointer}
.remove-row:hover{background:#fee2e2;border-color:#fecaca}
.add-row-btn{background:#fff;border:1.5px dashed var(--gray-300);color:var(--blue-500);border-radius:9px;padding:10px;font-weight:700;cursor:pointer;font-size:.88rem}
.add-row-btn:hover{background:var(--gray-100)}

.calc-actions{display:flex;gap:12px;margin-top:18px;flex-wrap:wrap}

.results{background:linear-gradient(160deg,var(--navy-900),var(--navy-700));border-radius:var(--radius-lg);padding:26px;color:#fff;margin-top:4px}
.results h2{color:#fff}
.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px;margin-bottom:6px}
.result-item{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:16px}
.result-item .label{font-size:.76rem;color:#b9c8e8;font-weight:700;text-transform:uppercase;letter-spacing:.03em;margin-bottom:6px}
.result-item .value{font-size:1.45rem;font-weight:800;color:#fff}
.result-item .value.good{color:var(--green-500)}
.result-item .value.warn{color:var(--amber-500)}

.chart-wrap{background:#fff;border-radius:12px;padding:16px;margin-top:18px}
.chart-wrap canvas{width:100%;height:auto;display:block}
.chart-legend{display:flex;gap:18px;margin-top:10px;flex-wrap:wrap;font-size:.8rem;color:var(--gray-500)}
.chart-legend span{display:inline-flex;align-items:center;gap:6px}
.chart-legend i{width:10px;height:10px;border-radius:3px;display:inline-block}

table.schedule{width:100%;border-collapse:collapse;font-size:.86rem;margin-top:10px}
table.schedule th{text-align:left;background:var(--gray-100);padding:10px;font-weight:700;color:var(--gray-600);position:sticky;top:0}
table.schedule td{padding:9px 10px;border-bottom:1px solid var(--gray-200);color:var(--gray-700)}
.table-scroll{max-height:420px;overflow:auto;border:1px solid var(--gray-200);border-radius:10px;margin-top:16px}

/* ---------- Sidebar ---------- */
.sidebar{display:flex;flex-direction:column;gap:20px;position:sticky;top:90px}
.side-card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:20px}
.side-card h4{margin-bottom:12px;font-size:.95rem}
.side-card ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:10px}
.side-card ul a{font-size:.88rem;font-weight:600;color:var(--gray-700)}
.side-card ul a:hover{color:var(--blue-500)}
.ad-slot{background:var(--gray-100);border:1px dashed var(--gray-300);border-radius:12px;min-height:250px;display:flex;align-items:center;justify-content:center;color:var(--gray-400);font-size:.78rem;text-align:center;padding:12px}

/* ---------- Article / content ---------- */
.article{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:32px;margin-top:0}
.article h2{margin-top:1.2em}
.article h2:first-child{margin-top:0}
.article h3{margin-top:1.1em}
.article ul,.article ol{padding-left:1.3em}
.article li{margin-bottom:.5em}
.article table{width:100%;border-collapse:collapse;margin:1em 0;font-size:.92rem}
.article table th,.article table td{border:1px solid var(--gray-200);padding:8px 10px;text-align:left}
.article table th{background:var(--gray-100)}
.article blockquote{border-left:4px solid var(--teal-500);margin:1.2em 0;padding:.4em 1em;background:var(--gray-50);border-radius:0 8px 8px 0;color:var(--gray-600)}
.callout{background:#eff6ff;border:1px solid #bfdbfe;border-radius:12px;padding:16px 18px;margin:1.2em 0}
.callout strong{color:var(--navy-900)}
.formula-box{background:var(--navy-900);color:#e7edf9;border-radius:12px;padding:18px 20px;font-family:"SFMono-Regular",Consolas,monospace;font-size:.9rem;overflow-x:auto;margin:1.2em 0}

/* ---------- FAQ ---------- */
.faq-item{border-bottom:1px solid var(--gray-200);padding:16px 0}
.faq-item:last-child{border-bottom:none}
.faq-q{display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:700;color:var(--navy-900);gap:12px}
.faq-q .plus{font-size:1.3rem;color:var(--teal-600);flex:none;transition:transform .2s}
.faq-item.open .plus{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-item.open .faq-a{max-height:600px}
.faq-a p{padding-top:10px;color:var(--gray-600)}

/* ---------- Related calculators strip ---------- */
.related-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
.related-card{border:1px solid var(--gray-200);border-radius:12px;padding:16px;background:#fff}
.related-card h4{margin-bottom:6px;font-size:.95rem}
.related-card p{font-size:.82rem;color:var(--gray-500);margin-bottom:10px}

/* ---------- Trust strip ---------- */
.trust-strip{background:var(--navy-900);color:#cfd9ec;padding:16px 0}
.trust-strip .container{display:flex;flex-wrap:wrap;gap:24px;justify-content:center;font-size:.82rem;font-weight:600}
.trust-strip span{display:flex;align-items:center;gap:8px}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-900);color:#aebbd8;padding:52px 0 24px;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:36px}
@media (max-width:800px){.footer-grid{grid-template-columns:1fr 1fr}}
.footer-grid h5{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.04em;margin-bottom:14px}
.footer-grid ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.footer-grid a{color:#aebbd8;font-size:.88rem}
.footer-grid a:hover{color:#fff}
.footer-brand p{color:#8ea0c6;font-size:.88rem;max-width:320px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.78rem;color:#7e91b8}
.disclaimer-box{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:10px;padding:14px 16px;font-size:.76rem;color:#93a3c4;margin-bottom:24px}

/* ---------- Ad slots (generic) ---------- */
.ad-slot-inline{margin:28px 0}
.ad-slot-leaderboard{min-height:100px}

/* ---------- Utility ---------- */
.text-center{text-align:center}
.mt-0{margin-top:0}
.small{font-size:.82rem;color:var(--gray-500)}