:root{
  --paper:#F3F5F4; --card:#FFFFFF; --ink:#1B2A2F; --ink-soft:#4A5D63; --line:#D8DEDC;
  --green:#1E7A4A; --green-soft:#E4F1E9; --red:#B3362B; --red-soft:#F7E8E6;
  --amber:#C98A12; --amber-soft:#F7EFDD; --teal:#2B6E6A; --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'IBM Plex Sans',system-ui,sans-serif;background:var(--paper);color:var(--ink);line-height:1.55}
a{color:inherit;text-decoration:none}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}

header{position:sticky;top:0;z-index:50;background:rgba(243,245,244,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{font-family:'Archivo Black',sans-serif;font-size:1.1rem;letter-spacing:-.02em;display:flex;align-items:center;gap:10px;white-space:nowrap}
.logo .q{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;border:3px solid var(--ink);border-radius:8px;transform:rotate(-6deg);font-size:1.15rem;background:var(--card)}
.nav-links{display:flex;gap:20px;font-size:.9rem;font-weight:500;color:var(--ink-soft);overflow-x:auto}
.nav-links a:hover{color:var(--ink)}
@media (max-width:700px){.nav-links{font-size:.82rem;gap:14px}.logo span:not(.q){display:none}}

.hero{padding:64px 0 40px}
.eyebrow{font-family:'IBM Plex Mono',monospace;font-size:.76rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:14px}
h1{font-family:'Archivo Black',sans-serif;font-size:clamp(2rem,5vw,3.4rem);line-height:1.06;letter-spacing:-.02em;max-width:660px}
h1 .stamped{display:inline-block;color:var(--green);border:4px solid var(--green);padding:.02em .18em;border-radius:10px;transform:rotate(-2.5deg);background:var(--green-soft)}
.hero p{margin-top:18px;max-width:540px;color:var(--ink-soft);font-size:1.06rem}

.tools{padding:8px 0 60px}
.tools-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px;margin-top:22px}
.tool-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;display:flex;flex-direction:column;gap:10px;transition:transform .18s ease,box-shadow .18s ease}
.tool-card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(27,42,47,.10)}
.tool-card .tag{font-family:'IBM Plex Mono',monospace;font-size:.7rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--teal)}
.tool-card h3{font-size:1.16rem;font-weight:600;letter-spacing:-.01em}
.tool-card p{font-size:.92rem;color:var(--ink-soft);flex:1}
.tool-card .go{font-weight:600;font-size:.9rem;color:var(--teal)}
.tool-card.soon{opacity:.55}
.tool-card.soon:hover{transform:none;box-shadow:none}

.ad{border:2px dashed var(--line);border-radius:10px;background:repeating-linear-gradient(-45deg,transparent,transparent 12px,rgba(27,42,47,.02) 12px,rgba(27,42,47,.02) 24px);display:flex;align-items:center;justify-content:center;font-family:'IBM Plex Mono',monospace;font-size:.72rem;letter-spacing:.08em;color:#9AA7A9;text-transform:uppercase;text-align:center}
.ad-banner{height:90px;margin:8px 0 28px}
.ad-box{height:250px;margin-top:18px}

.calc{padding:40px 0 24px}
.crumb{font-size:.85rem;font-weight:600;color:var(--teal);display:inline-block;margin-bottom:16px}
.calc h1{font-size:clamp(1.6rem,3.6vw,2.4rem);max-width:680px}
.calc .sub{color:var(--ink-soft);margin-top:12px;max-width:580px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:32px;align-items:start}
@media (max-width:820px){.calc-grid{grid-template-columns:1fr}}

.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px}
.panel h2.ph{font-family:'IBM Plex Mono',monospace;font-size:.74rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:18px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.86rem;font-weight:600;margin-bottom:6px}
.field .hint{font-weight:400;color:var(--ink-soft)}
.field input{width:100%;padding:11px 13px;font-size:1rem;font-family:'IBM Plex Mono',monospace;font-weight:500;border:1.5px solid var(--line);border-radius:9px;background:var(--paper);color:var(--ink)}
.field input:focus{outline:2px solid var(--teal);outline-offset:1px;border-color:var(--teal)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:14px}

.verdict-panel{position:sticky;top:84px}
.stamp{font-family:'Archivo Black',sans-serif;font-size:clamp(1.5rem,3.4vw,2.2rem);display:inline-block;padding:.18em .5em;border-radius:12px;border:5px solid currentColor;transform:rotate(-3deg);animation:stamp-in .28s cubic-bezier(.2,1.6,.4,1) both}
@keyframes stamp-in{0%{transform:rotate(-3deg) scale(1.6);opacity:0}100%{transform:rotate(-3deg) scale(1);opacity:1}}
@media (prefers-reduced-motion:reduce){.stamp{animation:none}}
.stamp.yes{color:var(--green);background:var(--green-soft)}
.stamp.no{color:var(--red);background:var(--red-soft)}
.stamp.maybe{color:var(--amber);background:var(--amber-soft)}
.verdict-detail{margin-top:20px;font-size:.95rem;color:var(--ink-soft)}
.stat-row{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid var(--line);font-size:.93rem}
.stat-row:last-child{border-bottom:none}
.stat-row .num{font-family:'IBM Plex Mono',monospace;font-weight:600}
.num.pos{color:var(--green)}
.num.neg{color:var(--red)}
.disclaimer{margin-top:18px;font-size:.78rem;color:#8B989A;line-height:1.5}

.article{padding:16px 0 64px;max-width:720px}
.article h2{font-family:'Archivo Black',sans-serif;font-size:1.45rem;letter-spacing:-.01em;margin:34px 0 12px;line-height:1.2}
.article h3{font-size:1.08rem;font-weight:600;margin:24px 0 8px}
.article p{margin-bottom:14px;color:#33474D}
.article ul{margin:0 0 16px 20px;color:#33474D}
.article li{margin-bottom:7px}
.article .callout{background:var(--card);border-left:4px solid var(--teal);border-radius:0 10px 10px 0;padding:16px 18px;margin:20px 0;font-size:.95rem}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin-bottom:10px}
.faq summary{font-weight:600;cursor:pointer;font-size:.97rem}
.faq p{margin:10px 0 0;font-size:.93rem}

.related{border-top:1px solid var(--line);padding:34px 0 10px}
.related h2{font-family:'Archivo Black',sans-serif;font-size:1.2rem;margin-bottom:16px}

footer{border-top:1px solid var(--line);padding:32px 0 44px;color:var(--ink-soft);font-size:.85rem;margin-top:20px}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px}
footer a{text-decoration:underline}
.legal{max-width:720px;padding:40px 0 60px}
.legal h1{font-size:clamp(1.7rem,3.5vw,2.3rem);margin-bottom:8px}
.legal h2{font-family:'Archivo Black',sans-serif;font-size:1.2rem;margin:28px 0 10px}
.legal p,.legal li{color:#33474D;margin-bottom:12px}
.legal ul{margin-left:20px}

/* ---- Multi-debt calculator (which-card-to-pay-off-first) ---- */
.btn{font-family:'IBM Plex Sans',system-ui,sans-serif;font-size:.88rem;font-weight:600;padding:10px 16px;border-radius:9px;border:1.5px solid var(--teal);background:var(--card);color:var(--teal);cursor:pointer}
.btn:hover{background:#E5EFEE}
.btn:focus-visible{outline:2px solid var(--teal);outline-offset:2px}
.btn[disabled]{opacity:.4;cursor:default}
.btn-ghost{border-color:var(--line);color:var(--ink-soft);padding:6px 10px;font-size:.8rem}
.btn-ghost:hover{background:var(--paper);color:var(--red);border-color:var(--red)}

.card-row{border:1px solid var(--line);border-radius:11px;padding:14px;margin-bottom:12px;background:var(--paper)}
.card-row .row-head{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:10px}
.card-row .row-num{font-family:'IBM Plex Mono',monospace;font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--teal)}
.card-row .field{margin-bottom:0}
.card-row .field input{background:var(--card)}
.card-row .three-col{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-top:10px}
@media (max-width:520px){.card-row .three-col{grid-template-columns:1fr 1fr}}
.totals{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:6px;padding-top:14px;border-top:1px solid var(--line);font-size:.85rem;color:var(--ink-soft)}
.totals .num{font-family:'IBM Plex Mono',monospace;font-weight:600;color:var(--ink)}
.budget-field{margin-top:20px;padding-top:20px;border-top:1px solid var(--line)}

.attack{margin-top:18px;padding:16px 18px;border-radius:11px;background:#E5EFEE;border:1.5px solid var(--teal)}
.attack .kicker{font-family:'IBM Plex Mono',monospace;font-size:.7rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--teal)}
.attack .name{font-family:'Archivo Black',sans-serif;font-size:1.15rem;margin-top:4px;line-height:1.2}
.attack .meta{font-size:.86rem;color:var(--ink-soft);margin-top:5px;font-family:'IBM Plex Mono',monospace}
.attack p{font-size:.86rem;margin-top:8px}

.alert{margin-top:18px;padding:16px 18px;border-radius:11px;background:var(--red-soft);border:1.5px solid var(--red);font-size:.9rem}
.alert strong{display:block;margin-bottom:6px}
.alert a{color:var(--red);text-decoration:underline;font-weight:600}
.alert ul{margin:8px 0 0 18px}
.alert li{margin-bottom:4px}

.plans{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:26px}
@media (max-width:620px){.plans{grid-template-columns:1fr}}
.plan{background:var(--card);border:1px solid var(--line);border-radius:11px;padding:18px 20px}
.plan.win{border-color:var(--green);box-shadow:0 0 0 1px var(--green)}
.plan h3{font-family:'IBM Plex Mono',monospace;font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:4px}
.plan .headline{font-size:.9rem;color:var(--ink-soft);margin-bottom:12px}
.plan ol{list-style:none;counter-reset:step}
.plan li{counter-increment:step;display:flex;gap:10px;align-items:baseline;padding:7px 0;border-bottom:1px solid var(--line);font-size:.9rem}
.plan li:last-child{border-bottom:none}
.plan li::before{content:counter(step);font-family:'IBM Plex Mono',monospace;font-size:.72rem;font-weight:600;color:var(--teal);border:1.5px solid var(--teal);border-radius:5px;min-width:20px;height:20px;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}
.plan li .when{margin-left:auto;font-family:'IBM Plex Mono',monospace;font-size:.82rem;color:var(--ink-soft);white-space:nowrap}