:root{
  --bg:#f7faf9;--surface:#fff;--surface2:#eef8f6;--ink:#12302d;--muted:#61716f;--line:#dfe9e7;
  --brand:#0f766e;--brand2:#0b5f59;--accent:#1ea672;--positive:#087c4c;--warning:#a55b06;--danger:#b42318;
  --shadow:0 18px 55px rgba(21,65,60,.10);--radius:24px;--radius-sm:14px;--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--bg);color:var(--ink);line-height:1.55}button,input,select{font:inherit}button{cursor:pointer}img{max-width:100%;height:auto}.wrap{width:min(calc(100% - 32px),var(--max));margin-inline:auto}.hidden{display:none!important}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;left:12px;top:-60px;z-index:1000;background:#fff;padding:10px 14px;border-radius:10px;color:var(--ink);box-shadow:var(--shadow)}.skip-link:focus{top:12px}
.topbar{position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(223,233,231,.85);background:rgba(247,250,249,.92);backdrop-filter:blur(12px)}.topbar-inner{width:min(calc(100% - 32px),var(--max));margin:auto;min-height:68px;display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:16px}.back-link{color:var(--ink);text-decoration:none;font-weight:750}.brand{font-weight:900;letter-spacing:.06em}.brand span{font-weight:600;color:var(--muted)}.topbar .compact{justify-self:end}
.primary-btn,.secondary-btn,.ghost-btn{display:inline-flex;align-items:center;justify-content:center;border-radius:13px;padding:12px 18px;font-weight:800;text-decoration:none;transition:transform .18s ease,box-shadow .18s ease,background .18s ease;border:1px solid transparent}.primary-btn{background:var(--brand);color:#fff;box-shadow:0 10px 22px rgba(15,118,110,.2)}.primary-btn:hover{background:var(--brand2);transform:translateY(-1px)}.secondary-btn{background:#fff;border-color:var(--line);color:var(--ink)}.secondary-btn:hover,.ghost-btn:hover{background:var(--surface2)}.ghost-btn{background:transparent;border-color:var(--line);color:var(--ink)}.primary-btn.large{padding:14px 24px;font-size:1.04rem}.primary-btn.full{width:100%}.danger-text{color:var(--danger)}
.hero{min-height:620px;display:grid;grid-template-columns:1.04fr .96fr;align-items:center;gap:36px;padding-block:76px 52px}.eyebrow{display:inline-block;color:var(--brand);font-weight:900;font-size:.78rem;letter-spacing:.14em}.hero h1{font-size:clamp(2.7rem,6vw,5.2rem);line-height:.97;letter-spacing:-.06em;margin:14px 0 24px;max-width:820px}.hero h1 span{color:var(--brand)}.hero-lead{font-size:1.14rem;color:var(--muted);max-width:690px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.trust-row{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:22px;color:#476360;font-size:.92rem;font-weight:700}.hero-art{display:flex;justify-content:center;align-items:center}.hero-art img{filter:drop-shadow(0 24px 34px rgba(19,60,56,.12));max-height:500px;object-fit:contain}.mini-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:58px}.mini-stats article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px 22px;display:flex;flex-direction:column}.mini-stats strong{font-size:1.05rem}.mini-stats span{color:var(--muted);font-size:.92rem}
.calculator-section{padding:72px 0;background:#fff;border-block:1px solid var(--line)}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:28px}.section-heading h2{font-size:clamp(2rem,4vw,3.2rem);line-height:1.03;letter-spacing:-.04em;margin:8px 0 8px}.section-heading p{color:var(--muted);max-width:740px;margin:0}.privacy-note{padding:14px 16px;border-radius:14px;background:#eff9f6;border:1px solid #d3eee7;color:#345a55;margin-bottom:20px}.debt-table-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px;background:#fff}.debt-table{width:100%;border-collapse:collapse;min-width:760px}.debt-table th{background:#f4f8f7;text-align:left;font-size:.79rem;letter-spacing:.045em;text-transform:uppercase;color:#5a6e6b;padding:13px}.debt-table td{padding:10px 13px;border-top:1px solid var(--line)}.debt-table input{width:100%;min-width:120px;border:1px solid #cfdcda;border-radius:10px;padding:10px 11px;background:#fff;color:var(--ink)}.debt-table input:focus,.field input:focus,.field select:focus,#chartStrategy:focus{outline:3px solid rgba(15,118,110,.14);border-color:var(--brand)}.delete-debt{width:38px;height:38px;border-radius:10px;border:1px solid var(--line);background:#fff;color:var(--danger);font-weight:900}.delete-debt:hover{background:#fff3f1}.plan-controls{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:22px}.field{background:#f8fbfa;border:1px solid var(--line);padding:18px;border-radius:18px}.field label{display:block;font-weight:850;margin-bottom:9px}.field input,.field select{width:100%;height:46px;padding:0 12px;border-radius:11px;border:1px solid #cfdcda;background:#fff;color:var(--ink)}.field small{display:block;color:var(--muted);margin-top:8px}.money-input{display:flex;align-items:center;border:1px solid #cfdcda;background:#fff;border-radius:11px;overflow:hidden}.money-input:focus-within{outline:3px solid rgba(15,118,110,.14);border-color:var(--brand)}.money-input span{padding-left:13px;font-weight:900;color:var(--muted)}.money-input input{border:0;outline:0!important}.quick-extra{display:flex;gap:7px;margin-top:8px}.quick-extra button{flex:1;padding:7px;border-radius:9px;border:1px solid var(--line);background:#fff;color:var(--brand);font-weight:800}.quick-extra button:hover{background:#eaf7f4}.calculator-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}.message{padding:15px 17px;border-radius:14px;margin-top:20px}.message.warning{background:#fff7e8;border:1px solid #f3d9a6;color:#795019}.message.success{background:#eaf9f0;border:1px solid #c6ebd4;color:#185d37}
.results-section{padding:78px 0}.results-title{align-items:center}.section-illustration{width:200px;max-height:140px;object-fit:contain}.result-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.result-card{padding:22px;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 10px 30px rgba(16,72,65,.055)}.result-card span{display:block;color:var(--muted);font-weight:700}.result-card strong{display:block;font-size:clamp(1.55rem,3vw,2.35rem);letter-spacing:-.04em;margin:5px 0}.result-card small{color:var(--muted)}.result-card.highlight{background:linear-gradient(145deg,#0f766e,#0a615b);color:#fff;border:0}.result-card.highlight span,.result-card.highlight small{color:#d6f3ed}.result-card.positive strong{color:var(--positive)}
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:30px}.method-card{display:grid;grid-template-columns:180px 1fr;align-items:center;gap:20px;border:1px solid var(--line);background:#fff;border-radius:22px;padding:22px;overflow:hidden}.method-card.best{border:2px solid #67be9a;box-shadow:0 12px 32px rgba(15,118,110,.10)}.method-card img{width:100%;max-height:160px;object-fit:contain}.method-label{font-weight:900;font-size:.74rem;letter-spacing:.12em;color:var(--brand)}.method-card h3{font-size:1.35rem;margin:5px 0 8px}.method-card p{color:var(--muted);margin:0 0 14px}.method-card dl{margin:0;display:grid;grid-template-columns:1fr 1fr;gap:10px}.method-card dl div{padding:10px;background:#f6f9f8;border-radius:11px}.method-card dt{color:var(--muted);font-size:.78rem}.method-card dd{font-weight:900;margin:2px 0 0}.recommendation{margin-top:16px;padding:18px 20px;border-radius:16px;background:#eaf7f4;border:1px solid #cce8e1;font-weight:700}.chart-card,.timeline-card,.extra-explainer{margin-top:22px;border:1px solid var(--line);background:#fff;border-radius:22px;padding:24px;box-shadow:0 10px 30px rgba(16,72,65,.045)}.chart-head{display:flex;justify-content:space-between;align-items:end;gap:20px}.chart-head h3,.timeline-card h3,.extra-explainer h3{margin:5px 0 0;font-size:1.55rem}.chart-head select{min-width:220px;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:#fff}.chart-shell{position:relative;height:360px;margin-top:18px}.chart-fallback{padding:40px;text-align:center;color:var(--muted);background:#f7f9f9;border-radius:14px}.timeline{display:flex;gap:10px;overflow:auto;padding:18px 4px 2px}.timeline-item{min-width:180px;border-left:4px solid var(--brand);background:#f5f9f8;border-radius:10px;padding:12px}.timeline-item strong{display:block}.timeline-item span{font-size:.9rem;color:var(--muted)}.extra-explainer{display:grid;grid-template-columns:1fr 320px;align-items:center;gap:20px}.extra-explainer p{color:var(--muted)}.extra-explainer img{max-height:210px;object-fit:contain}.print-actions{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin-top:28px}
.education-section{padding:72px 0;background:#0e3531;color:#fff}.education-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px}.education-section .eyebrow{color:#7fe0c1}.education-section h2{font-size:clamp(2rem,4vw,3.1rem);line-height:1.05;margin:10px 0}.education-section p{color:#c9ddda}.education-points{display:grid;gap:14px}.education-points article{padding:20px;border-radius:16px;background:rgba(255,255,255,.075);border:1px solid rgba(255,255,255,.12)}.education-points strong,.education-points span{display:block}.education-points span{color:#c9ddda;margin-top:4px}.disclaimer{padding:32px 0 44px}.disclaimer strong{display:block;margin-bottom:5px}.disclaimer p{color:var(--muted);margin:0}footer{background:#092a27;color:#d6e7e4;padding:24px 0}.footer-inner{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}.footer-inner p{margin:0}.footer-inner a{color:#fff;font-weight:800}
dialog{border:0;padding:0;border-radius:22px;max-width:560px;width:min(calc(100% - 28px),560px);box-shadow:0 28px 90px rgba(0,0,0,.22)}dialog::backdrop{background:rgba(8,34,31,.55);backdrop-filter:blur(3px)}.dialog-card{position:relative;padding:30px}.dialog-card h2{font-size:2rem;line-height:1.05;margin:8px 0 15px}.dialog-card li{margin:10px 0;color:#435a57}.dialog-note{padding:12px;background:#f1f8f6;border-radius:12px;color:#45625e}.dialog-close{position:absolute;right:13px;top:13px;width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:#fff;font-size:1.5rem}.noscript{position:fixed;bottom:0;left:0;right:0;z-index:100;background:#8a1f17;color:#fff;padding:12px;text-align:center}
@media(max-width:900px){.hero{grid-template-columns:1fr;padding-top:54px}.hero-art{order:-1}.hero-art img{max-height:300px}.hero-copy{text-align:center}.hero-lead{margin-inline:auto}.hero-actions,.trust-row{justify-content:center}.mini-stats,.plan-controls,.result-grid,.compare-grid,.education-grid{grid-template-columns:1fr 1fr}.result-grid{grid-template-columns:repeat(2,1fr)}.extra-explainer{grid-template-columns:1fr}.extra-explainer img{justify-self:center}.method-card{grid-template-columns:130px 1fr}}
@media(max-width:650px){.wrap{width:min(calc(100% - 22px),var(--max))}.topbar-inner{grid-template-columns:1fr auto}.brand{display:none}.topbar .compact{font-size:.86rem;padding:9px 11px}.hero{min-height:auto;padding-block:34px}.hero h1{font-size:clamp(2.45rem,14vw,4rem)}.hero-art img{max-height:240px}.mini-stats,.plan-controls,.result-grid,.compare-grid,.education-grid{grid-template-columns:1fr}.section-heading{align-items:flex-start;flex-direction:column}.section-heading .secondary-btn{width:100%}.calculator-section,.results-section,.education-section{padding-block:52px}.calculator-actions>*{width:100%}.method-card{grid-template-columns:1fr}.method-card img{height:160px;width:100%}.chart-head{align-items:flex-start;flex-direction:column}.chart-head select{width:100%}.chart-shell{height:300px}.section-illustration{display:none}.footer-inner{flex-direction:column;text-align:center}.quick-extra{flex-wrap:wrap}.quick-extra button{min-width:80px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.primary-btn,.secondary-btn,.ghost-btn{transition:none}}
@media print{.topbar,.hero,.mini-stats,.calculator-section,.education-section,.disclaimer,footer,.print-actions,.quick-extra,#riskBox,.recommendation{display:none!important}body{background:#fff;color:#000}.results-section{display:block!important;padding:0}.wrap{width:100%}.result-card,.method-card,.chart-card,.timeline-card,.extra-explainer{box-shadow:none;break-inside:avoid}.section-illustration{display:none}.chart-shell{height:280px}.result-grid{grid-template-columns:repeat(4,1fr)}.compare-grid{grid-template-columns:1fr 1fr}.extra-explainer{grid-template-columns:1fr}.extra-explainer img{display:none}}