/* =================================================================
   AR Unique Thoughts — Debt Consolidation Loan Calculator
   Design system: "money you keep" — calm teal + savings green.
   Single stylesheet, system fonts (fast LCP, no network requests).
   ================================================================= */

:root{
  /* palette */
  --ink:#0B2530;
  --ink-2:#123642;
  --brand:#0E7C6B;
  --brand-dark:#0A5F52;
  --brand-soft:#E4F2EF;
  --save:#12B76A;
  --save-soft:#E7F8EF;
  --debt:#F0842B;
  --debt-soft:#FDF0E3;
  --surface:#F5F8F7;
  --card:#FFFFFF;
  --line:#E2EAE8;
  --line-strong:#CBD8D5;
  --text:#122B32;
  --muted:#5A6B69;
  --muted-2:#7C8B89;

  /* type */
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --num:"SF Mono",ui-monospace,"Segoe UI",Roboto,system-ui,sans-serif;

  /* geometry */
  --wrap:1120px;
  --radius:16px;
  --radius-sm:10px;
  --radius-lg:24px;
  --shadow:0 1px 2px rgba(11,37,48,.06),0 12px 30px -12px rgba(11,37,48,.18);
  --shadow-lg:0 30px 60px -20px rgba(11,37,48,.28);
  --ring:0 0 0 3px rgba(14,124,107,.30);
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;font-family:var(--sans);color:var(--text);background:var(--surface);
  line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand-dark);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.15;color:var(--ink);letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2rem,5vw,3.1rem);font-weight:800}
h2{font-size:clamp(1.5rem,3.4vw,2.15rem);font-weight:800}
h3{font-size:1.22rem;font-weight:700}
p{margin:0 0 1em}
.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:20px}

.skip-link{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:100;border-radius:0 0 8px 0}
.skip-link:focus{left:0}
:focus-visible{outline:none;box-shadow:var(--ring);border-radius:8px}

/* ---------- Header / nav ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(245,248,247,.85);
  backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line)}
.site-header__inner{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{display:inline-flex;align-items:center;gap:10px;font-weight:800;color:var(--ink);letter-spacing:-.02em}
.brand:hover{text-decoration:none}
.brand__badge{display:grid;place-items:center;width:34px;height:34px;border-radius:9px;
  background:linear-gradient(135deg,var(--brand),var(--brand-dark));color:#fff;font-size:.85rem;font-weight:800;
  box-shadow:0 4px 10px -3px rgba(14,124,107,.6)}
.brand__text{font-size:1.05rem}
.nav__list{list-style:none;display:flex;align-items:center;gap:26px;margin:0;padding:0}
.nav__list a{color:var(--ink-2);font-weight:600;font-size:.95rem}
.nav__list a:hover{color:var(--brand-dark);text-decoration:none}
.nav__cta{background:var(--ink);color:#fff!important;padding:9px 16px;border-radius:999px}
.nav__cta:hover{background:var(--brand-dark)}
.nav__burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.nav__burger span{width:24px;height:2px;background:var(--ink);border-radius:2px;transition:.2s}

@media (max-width:860px){
  .nav__burger{display:flex}
  .nav__list{position:fixed;inset:66px 0 auto 0;flex-direction:column;gap:0;background:var(--card);
    border-bottom:1px solid var(--line);box-shadow:var(--shadow);
    max-height:0;overflow:hidden;transition:max-height .3s ease;align-items:stretch}
  .nav__list li{border-top:1px solid var(--line)}
  .nav__list a{display:block;padding:15px 22px}
  .nav__cta{margin:14px 22px;text-align:center;border-radius:12px}
  .nav__toggle:checked ~ .nav__list{max-height:400px}
}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;
  background:radial-gradient(1200px 500px at 78% -10%,rgba(18,183,106,.16),transparent 60%),
             radial-gradient(900px 500px at 0% 0%,rgba(14,124,107,.12),transparent 55%),
             linear-gradient(180deg,#fff, var(--surface))}
.hero__inner{padding:52px 0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--brand-soft);color:var(--brand-dark);
  font-weight:700;font-size:.8rem;letter-spacing:.03em;text-transform:uppercase;padding:7px 14px;border-radius:999px}
.eyebrow::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--save);box-shadow:0 0 0 4px var(--save-soft)}
.hero h1{margin-top:18px;max-width:16ch}
.hero__lead{font-size:1.16rem;color:var(--muted);max-width:52ch;margin-top:.4em}
.hero__trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:20px;color:var(--ink-2);font-weight:600;font-size:.92rem}
.hero__trust span{display:inline-flex;align-items:center;gap:8px}
.hero__trust svg{width:18px;height:18px;color:var(--save)}

/* ---------- Calculator ---------- */
.calc{display:grid;grid-template-columns:1.15fr .85fr;gap:26px;margin-top:30px;align-items:start}
@media (max-width:920px){.calc{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow)}
.calc__form{padding:26px}
.calc__form h2{font-size:1.3rem}
.calc__hint{color:var(--muted);font-size:.95rem;margin-top:-.4em}

.field{margin-bottom:16px}
.field label{display:block;font-weight:700;color:var(--ink-2);font-size:.9rem;margin-bottom:6px}
.input-money,.input-pct,.input-plain{position:relative;display:flex;align-items:center;
  border:1.5px solid var(--line-strong);border-radius:12px;background:#fff;transition:.15s}
.input-money:focus-within,.input-pct:focus-within,.input-plain:focus-within{border-color:var(--brand);box-shadow:var(--ring)}
.input-money::before{content:"$";padding:0 4px 0 14px;color:var(--muted);font-weight:700}
.input-pct::after{content:"%";padding:0 14px 0 4px;color:var(--muted);font-weight:700}
.field input{flex:1;border:0;outline:0;background:transparent;padding:12px 14px;font-size:1.05rem;
  font-family:var(--num);font-variant-numeric:tabular-nums;color:var(--ink);width:100%;min-width:0}
.input-money input{padding-left:4px}
.input-pct input{padding-right:4px}

/* debt rows */
.debt-list{margin:6px 0 4px}
.debt-row{display:grid;grid-template-columns:1.4fr 1fr 1fr auto;gap:10px;align-items:end;
  padding:12px;border:1px solid var(--line);border-radius:14px;margin-bottom:10px;background:#fff}
.debt-row .field{margin:0}
.debt-row__remove{border:0;background:var(--debt-soft);color:var(--debt);width:38px;height:44px;border-radius:10px;
  font-size:1.3rem;line-height:1;cursor:pointer;font-weight:700;transition:.15s}
.debt-row__remove:hover{background:var(--debt);color:#fff}
@media (max-width:520px){
  .debt-row{grid-template-columns:1fr 1fr;position:relative;padding-top:14px}
  .debt-row .field--name{grid-column:1/-1}
  .debt-row__remove{position:absolute;top:8px;right:8px;width:30px;height:30px;font-size:1.05rem}
}
.btn-add{display:inline-flex;align-items:center;gap:8px;background:var(--brand-soft);color:var(--brand-dark);
  border:1px dashed var(--brand);border-radius:12px;padding:11px 16px;font-weight:700;cursor:pointer;width:100%;justify-content:center}
.btn-add:hover{background:#d7ece8}

.divider{height:1px;background:var(--line);margin:22px 0}
.loan-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:520px){.loan-grid{grid-template-columns:1fr}}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:800;cursor:pointer;
  border:0;border-radius:14px;padding:15px 22px;font-size:1.02rem;transition:transform .12s,box-shadow .2s,background .2s}
.btn:hover{text-decoration:none}
.btn:active{transform:translateY(1px)}
.btn--primary{background:linear-gradient(135deg,var(--brand),var(--brand-dark));color:#fff;width:100%;
  box-shadow:0 12px 24px -10px rgba(10,95,82,.7)}
.btn--primary:hover{box-shadow:0 16px 30px -10px rgba(10,95,82,.8)}
.btn--ghost{background:#fff;border:1.5px solid var(--line-strong);color:var(--ink-2)}

/* result panel */
.result{position:sticky;top:84px;padding:0;overflow:hidden}
.result__head{background:linear-gradient(160deg,var(--ink),var(--ink-2));color:#fff;padding:24px 24px 26px}
.result__label{font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;color:#9FC7BF;font-weight:700}
.result__save{font-family:var(--num);font-variant-numeric:tabular-nums;font-size:clamp(2.2rem,7vw,3rem);font-weight:800;
  line-height:1.05;margin:6px 0 2px;color:#fff}
.result__save--pos{color:#5FE0A6}
.result__sub{color:#C6D6D2;font-size:.95rem;margin:0}
.result__body{padding:20px 24px 24px}

.meter{margin:6px 0 18px}
.meter__row{margin-bottom:14px}
.meter__top{display:flex;justify-content:space-between;font-size:.86rem;font-weight:700;color:var(--muted);margin-bottom:6px}
.meter__top b{font-family:var(--num);font-variant-numeric:tabular-nums;color:var(--ink)}
.meter__bar{height:14px;border-radius:999px;background:var(--surface);overflow:hidden}
.meter__fill{height:100%;border-radius:999px;width:0;transition:width 1s cubic-bezier(.22,1,.36,1)}
.meter__fill--debt{background:linear-gradient(90deg,#F6A15A,var(--debt))}
.meter__fill--new{background:linear-gradient(90deg,var(--save),var(--brand))}

.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:4px}
.stat{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:13px 14px}
.stat__k{font-size:.78rem;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.03em}
.stat__v{font-family:var(--num);font-variant-numeric:tabular-nums;font-size:1.25rem;font-weight:800;color:var(--ink);margin-top:2px}
.stat__v small{font-size:.72rem;color:var(--muted-2);font-weight:600}
.result__foot{margin-top:16px;font-size:.82rem;color:var(--muted-2)}
.result__empty{padding:34px 24px;text-align:center;color:var(--muted)}
.result__empty svg{width:46px;height:46px;color:var(--brand);opacity:.5;margin:0 auto 10px}

/* ---------- Ad zones ---------- */
.ad-zone{margin:26px auto;text-align:center;max-width:100%;overflow:hidden}
.ad-zone__label{display:block;font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted-2);margin-bottom:6px}
.ad-zone ins{margin-inline:auto}

/* ---------- Content sections ---------- */
.section{padding:44px 0}
.section--tint{background:linear-gradient(180deg,#fff,var(--surface))}
.lede{font-size:1.14rem;color:var(--ink-2);max-width:70ch}
.prose{max-width:74ch;font-size:1.06rem}
.prose h2{margin-top:1.4em}
.prose h3{margin-top:1.5em;color:var(--brand-dark)}
.prose ul,.prose ol{padding-left:1.2em}
.prose li{margin-bottom:.4em}
.prose strong{color:var(--ink)}
.keyword-lede{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--brand);
  border-radius:14px;padding:22px 24px;box-shadow:var(--shadow);max-width:80ch}

/* table of contents */
.toc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;box-shadow:var(--shadow)}
.toc h2{font-size:1.05rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin-bottom:12px}
.toc ol{margin:0;padding-left:1.1em;columns:2;column-gap:32px}
.toc li{margin-bottom:8px;break-inside:avoid}
@media (max-width:620px){.toc ol{columns:1}}

/* pros & cons */
.pc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:8px}
@media (max-width:720px){.pc-grid{grid-template-columns:1fr}}
.pc{border-radius:var(--radius);padding:22px 24px;border:1px solid var(--line);background:var(--card);box-shadow:var(--shadow)}
.pc--pro{border-top:4px solid var(--save)}
.pc--con{border-top:4px solid var(--debt)}
.pc h3{display:flex;align-items:center;gap:10px}
.pc ul{list-style:none;padding:0;margin:0}
.pc li{position:relative;padding-left:30px;margin-bottom:12px;color:var(--ink-2)}
.pc li::before{position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:50%;display:grid;place-items:center;
  font-size:.75rem;font-weight:900;color:#fff}
.pc--pro li::before{content:"✓";background:var(--save)}
.pc--con li::before{content:"!";background:var(--debt)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:8px;counter-reset:step}
@media (max-width:820px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:460px){.steps{grid-template-columns:1fr}}
.step{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);position:relative}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);font-family:var(--num);
  font-weight:800;font-size:1.5rem;color:var(--brand);opacity:.55}
.step h3{margin-top:8px;font-size:1.05rem}
.step p{margin:0;color:var(--muted);font-size:.95rem}

/* reviews */
.reviews{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:8px}
@media (max-width:760px){.reviews{grid-template-columns:1fr}}
.review{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;box-shadow:var(--shadow)}
.review__stars{color:#F4B400;letter-spacing:2px;font-size:1rem}
.review__text{margin:10px 0 14px;color:var(--ink-2)}
.review__who{display:flex;align-items:center;gap:12px}
.review__avatar{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;font-weight:800;color:#fff;font-size:.95rem}
.review__name{font-weight:700;color:var(--ink);font-size:.95rem}
.review__meta{color:var(--muted-2);font-size:.82rem}
.rating-summary{display:inline-flex;align-items:center;gap:14px;background:var(--card);border:1px solid var(--line);
  border-radius:999px;padding:10px 20px;box-shadow:var(--shadow);margin-bottom:20px}
.rating-summary b{font-size:1.6rem;color:var(--ink);font-family:var(--num)}
.rating-summary .review__stars{font-size:1.15rem}

/* FAQ accordion */
.faq{max-width:80ch}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;box-shadow:var(--shadow);overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:700;color:var(--ink);
  display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--brand);font-weight:400;transition:transform .2s;flex:none}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details > div{padding:0 22px 20px;color:var(--ink-2)}

/* CTA band */
.cta-band{background:linear-gradient(150deg,var(--ink),var(--brand-dark));color:#fff;border-radius:var(--radius-lg);
  padding:38px 34px;text-align:center;box-shadow:var(--shadow-lg)}
.cta-band h2{color:#fff}
.cta-band p{color:#C6D6D2;max-width:56ch;margin-inline:auto}
.cta-band .btn{display:inline-flex;width:auto;margin-top:8px;background:#fff;color:var(--brand-dark)}
.cta-band .btn:hover{background:#eafaf6}

/* ---------- Blog ---------- */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:820px){.post-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.post-grid{grid-template-columns:1fr}}
.post-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.post-card__body{padding:20px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.post-card__body h3{font-size:1.1rem}
.post-card__excerpt{color:var(--muted);font-size:.95rem;flex:1}
.post-card__meta{color:var(--muted-2);font-size:.82rem}
.article{max-width:74ch;margin-inline:auto}
.article header{margin-bottom:24px}
.article__meta{color:var(--muted);font-size:.9rem}

/* ---------- utility ---------- */
.section-eyebrow{color:var(--brand-dark);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.82rem}
.text-center{text-align:center}
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.badge-list{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.badge-list span{background:var(--card);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.85rem;color:var(--ink-2);font-weight:600}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:#C6D6D2;margin-top:56px}
.site-footer a{color:#C6D6D2}
.site-footer a:hover{color:#fff}
.site-footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:32px;padding:46px 20px 30px}
@media (max-width:760px){.site-footer__grid{grid-template-columns:1fr;gap:26px}}
.brand--footer .brand__text{color:#fff}
.site-footer__about{margin-top:14px;font-size:.95rem;color:#9FB4B0;max-width:44ch}
.site-footer__col h3{color:#fff;font-size:.95rem;margin-bottom:14px}
.site-footer__col ul{list-style:none;padding:0;margin:0}
.site-footer__col li{margin-bottom:10px;font-size:.95rem}
.site-footer__bar{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;
  padding:18px 20px;border-top:1px solid rgba(255,255,255,.1);font-size:.85rem;color:#8CA3A0}
.site-footer__note{color:#7C9490}

/* reduced motion */
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}