:root {
  --navy: #0f1729;
  --navy-2: #16213a;
  --blue: #5b8def;
  --blue-2: #7fa8ff;
  --amber: #f5a623;
  --text: #1d2433;
  --text-soft: #566079;
  --bg: #f7f8fb;
  --card: #ffffff;
  --border: #e4e8f1;
  --radius: 12px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Inter, Roboto, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

.wrap { max-width: 1040px; margin: 0 auto; padding: 0 20px; }

header.site {
  background: var(--navy);
  color: #fff;
}
header.site .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 20px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 1.25rem;
  color: #fff;
}
.logo .dot { color: var(--amber); }
nav.site a {
  color: #cfd8ea;
  margin-left: 24px;
  font-weight: 500;
  font-size: 0.95rem;
}
nav.site a:hover { color: #fff; text-decoration: none; }

.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff;
  padding: 64px 0 72px;
}
.hero h1 {
  font-size: 2.4rem;
  line-height: 1.2;
  max-width: 720px;
  margin: 0 0 16px;
}
.hero p.lead {
  font-size: 1.15rem;
  color: #c3cde3;
  max-width: 620px;
  margin: 0 0 28px;
}
.btn {
  display: inline-block;
  background: var(--blue);
  color: #fff;
  padding: 13px 26px;
  border-radius: 8px;
  font-weight: 600;
  border: none;
  cursor: pointer;
  font-size: 1rem;
}
.btn:hover { background: var(--blue-2); text-decoration: none; }
.btn.secondary {
  background: transparent;
  border: 1px solid #4a5977;
  color: #fff;
  margin-left: 12px;
}
.btn.secondary:hover { border-color: #fff; }

section { padding: 56px 0; }
section.alt { background: #eef1f8; }

h2.section-title {
  font-size: 1.7rem;
  margin: 0 0 8px;
}
p.section-sub {
  color: var(--text-soft);
  margin: 0 0 32px;
  max-width: 620px;
}

.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
}

.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
}
.card h3 { margin-top: 0; font-size: 1.1rem; }
.card p { color: var(--text-soft); font-size: 0.95rem; margin-bottom: 0; }

.role-tag {
  display: inline-block;
  background: #e7edfb;
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

footer.site {
  background: var(--navy);
  color: #9aa6c2;
  padding: 32px 0;
  font-size: 0.9rem;
}
footer.site a { color: #cfd8ea; }
footer.site .foot-links { margin-top: 10px; }
footer.site .foot-links a { margin-right: 18px; }

/* Article */
article.post {
  max-width: 760px;
  margin: 0 auto;
  padding: 48px 20px 72px;
}
article.post .kicker {
  color: var(--blue);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
article.post h1 { font-size: 2.1rem; margin: 8px 0 12px; }
article.post .meta { color: var(--text-soft); font-size: 0.9rem; margin-bottom: 32px; }
article.post h2 { font-size: 1.4rem; margin-top: 36px; }
article.post h3 { font-size: 1.15rem; margin-top: 24px; }
article.post p { margin-bottom: 16px; }
article.post ul, article.post ol { margin-bottom: 16px; }
article.post li { margin-bottom: 6px; }
.callout {
  background: #eef1f8;
  border-left: 4px solid var(--blue);
  padding: 16px 20px;
  border-radius: 8px;
  margin: 24px 0;
}
.disclosure-note {
  font-size: 0.85rem;
  color: var(--text-soft);
  background: #f2f4f9;
  border-radius: 8px;
  padding: 12px 16px;
  margin: 24px 0;
}

/* Calculator */
.calc-shell {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  max-width: 760px;
  margin: -40px auto 0;
  position: relative;
  box-shadow: 0 10px 40px rgba(15, 23, 41, 0.12);
}
.calc-shell h2 { margin-top: 0; }
.field-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 18px;
  margin-bottom: 20px;
}
.field label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 6px;
}
.field select, .field input {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 0.95rem;
  font-family: inherit;
}
.field .hint { font-size: 0.8rem; color: var(--text-soft); margin-top: 4px; }

#result {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
  display: none;
}
#result.show { display: block; }
.debt-headline {
  font-size: 2.4rem;
  font-weight: 800;
  margin: 4px 0;
}
.debt-tag {
  display: inline-block;
  padding: 5px 14px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.85rem;
  margin-bottom: 16px;
}
.tag-low { background: #dff5e6; color: #1e8a4c; }
.tag-moderate { background: #fdf0d5; color: #b8790a; }
.tag-high { background: #fbe2e2; color: #c92a2a; }

#result .tips { margin-top: 16px; }
#result .tips li { margin-bottom: 8px; }

.print-btn {
  margin-top: 20px;
  background: transparent;
  border: 1px solid var(--border);
  color: var(--text);
}
.print-btn:hover { background: #f2f4f9; }

@media print {
  header.site, footer.site, .no-print { display: none !important; }
  .calc-shell { box-shadow: none; margin: 0; border: none; }
}

@media (max-width: 600px) {
  .hero h1 { font-size: 1.9rem; }
  nav.site a { margin-left: 14px; font-size: 0.85rem; }
}