:root{
  --accent:#8c52ff;
  --ink:#14171f;
  --ink-soft:#4b5468;
  --muted:#8891a3;
  --line:#eeecea;
  --paper:#f7f6f4;
  --border:#d8d5d0;
}
*{box-sizing:border-box;}
body{margin:0;background:#fff;color:var(--ink);font-family:'IBM Plex Sans',Arial,sans-serif;-webkit-font-smoothing:antialiased;}
h1,h2{font-family:'Manrope',sans-serif;font-weight:800;letter-spacing:-0.02em;margin:0;}
a{color:var(--accent);text-decoration:none;}
a:hover{color:color-mix(in oklch, var(--accent) 80%, black);}
button{font-family:inherit;}
input:focus{outline:2px solid color-mix(in oklch, var(--accent) 60%, white);outline-offset:1px;}
::selection{background:color-mix(in oklch, var(--accent) 25%, white);}

.container{max-width:1200px;margin:0 auto;}

/* header */
.site-header{display:flex;align-items:center;justify-content:space-between;padding:18px 6vw;position:sticky;top:0;background:rgba(255,255,255,0.92);backdrop-filter:blur(8px);z-index:40;border-bottom:1px solid var(--line);}
.brand{display:flex;align-items:center;gap:10px;}
.brand-mark{width:30px;height:30px;border-radius:8px;background:var(--accent);display:flex;align-items:center;justify-content:center;}
.brand-mark span{width:10px;height:10px;border-radius:2px;border:2px solid #fff;display:block;transform:rotate(45deg);}
.brand-name{font-family:'Manrope',sans-serif;font-weight:800;font-size:20px;letter-spacing:-0.02em;}
.nav{display:flex;align-items:center;gap:28px;font-size:14px;color:var(--ink-soft);}
.nav a{color:var(--ink-soft);}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:none;border-radius:10px;font-weight:700;font-size:15.5px;cursor:pointer;padding:16px 26px;text-decoration:none;}
.btn-primary{background:var(--accent);color:#fff;}
.btn-primary:hover{background:color-mix(in oklch, var(--accent) 85%, black);color:#fff;}
.btn-dark{background:var(--ink);color:#fff;}
.btn-dark:hover{color:#fff;}
.btn-outline{background:none;border:1.5px solid var(--border);color:var(--ink);}
.btn-nav{background:var(--ink);color:#fff;border:none;padding:11px 20px;border-radius:8px;font-weight:600;font-size:13.5px;cursor:pointer;text-decoration:none;}
.btn-nav:hover{color:#fff;}
.btn[disabled]{background:var(--line) !important;color:#a7aebb !important;cursor:not-allowed;}
.btn-block{width:100%;}

/* hero */
.hero{display:flex;gap:5vw;padding:6vw 6vw 5vw;align-items:center;flex-wrap:wrap;}
.hero-centered{display:block;text-align:center;max-width:780px;margin:0 auto;padding:9vw 6vw 7vw;}
.hero-centered .hero-copy{margin-left:auto;margin-right:auto;max-width:560px;}
.hero-heading{font-size:clamp(38px,7vw,96px);line-height:1.08;margin:10px 0 26px;}
.type-cursor{animation:blink 1s step-start infinite;}
@keyframes blink{50%{opacity:0}}
.hero-left{flex:1 1 460px;min-width:320px;}
.eyebrow{font-size:15px;font-weight:600;color:var(--accent);margin-bottom:14px;}
.hero h1{font-size:clamp(48px,7vw,84px);line-height:0.98;margin:0 0 22px;}
.hero-copy{font-size:18px;line-height:1.6;color:var(--ink-soft);max-width:480px;margin:0 0 30px;}
.reassurance{margin-top:16px;font-size:13.5px;color:var(--muted);}
.hero-right{flex:1 1 380px;min-width:300px;max-width:440px;}
.loan-card{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:0 30px 60px -30px rgba(20,23,31,0.18);}
.loan-card .label{font-size:11px;font-weight:700;letter-spacing:0.08em;color:var(--muted);margin-bottom:10px;}
.loan-card .label.accent{color:var(--accent);}
.loan-row{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;}
.loan-row .big{font-size:22px;font-weight:700;}
.loan-row .small{font-size:14px;color:var(--ink-soft);}
.loan-sub{font-size:13.5px;color:var(--muted);}
.arrow{display:flex;align-items:center;justify-content:center;margin:16px 0;color:#c3c8d4;font-size:20px;}
.benefit-box{background:color-mix(in oklch, var(--accent) 10%, white);border-radius:12px;padding:16px 18px;}
.benefit-box .save{font-size:19px;font-weight:700;color:var(--accent);}
.disclaimer{font-size:11.5px;color:#a7aebb;margin-top:14px;font-style:italic;}

/* trust strip */
.trust{padding:0 6vw 5vw;}
.trust-title{font-size:13px;font-weight:700;letter-spacing:0.06em;color:var(--muted);text-align:center;margin-bottom:22px;}
.trust-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px;}
.trust-item{display:flex;align-items:center;gap:12px;padding:18px;background:var(--paper);border-radius:12px;}
.dot{width:8px;height:8px;border-radius:2px;background:var(--accent);flex:none;}

/* sections */
.section{padding:5vw 6vw;}
.section-title{font-size:clamp(32px,4vw,44px);text-align:center;margin:0 0 40px;}
.section.alt{background:var(--paper);}
.section.dark{background:var(--ink);color:#fff;}

.debt-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;max-width:1200px;margin:0 auto;}
.debt-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;}
.debt-badge{width:38px;height:38px;border-radius:10px;background:color-mix(in oklch, var(--accent) 12%, white);color:var(--accent);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:12.5px;margin-bottom:14px;}
.debt-title{font-weight:700;font-size:16.5px;margin-bottom:8px;}
.debt-desc{font-size:14px;color:var(--ink-soft);line-height:1.5;}
.center{text-align:center;}

.steps-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:32px;max-width:1100px;margin:0 auto;}
.step{text-align:center;padding:0 12px;}
.step-num{width:46px;height:46px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:17px;margin:0 auto 18px;}
.step-title{font-weight:700;font-size:18px;margin-bottom:10px;}
.step-body{font-size:14.5px;color:var(--ink-soft);line-height:1.55;}

/* calculator */
.calc-title{font-size:clamp(28px,3.5vw,38px);text-align:center;margin:0 0 12px;}
.calc-sub{text-align:center;color:#9aa1b0;font-size:14.5px;margin:0 0 40px;}
.calc-wrap{display:flex;gap:40px;max-width:1100px;margin:0 auto;flex-wrap:wrap;}
.calc-fields{flex:1 1 320px;display:flex;flex-direction:column;gap:18px;}
.calc-fields label{font-size:13px;color:#9aa1b0;display:block;}
.calc-fields input{width:100%;margin-top:6px;padding:13px 14px;border-radius:8px;border:1px solid #2c3140;background:#1c2029;color:#fff;font-size:15px;}
.calc-output{flex:1 1 320px;background:#1c2029;border-radius:16px;padding:28px;display:flex;flex-direction:column;gap:20px;justify-content:center;}
.calc-row{display:flex;justify-content:space-between;border-bottom:1px solid #2c3140;padding-bottom:14px;}
.calc-row span:first-child{color:#9aa1b0;font-size:14px;}
.calc-row span:last-child{font-weight:700;font-size:16px;}
.calc-net{display:flex;justify-content:space-between;}
.calc-net span:first-child{color:#9aa1b0;font-size:14.5px;}
.calc-net span:last-child{font-weight:800;font-size:24px;color:var(--accent);}

/* faq */
.faq-wrap{max-width:820px;margin:0 auto;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:20px 0;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-size:16.5px;font-weight:700;color:var(--ink);}
.faq-icon{font-size:20px;color:var(--muted);font-weight:400;transition:transform 0.2s;}
.faq-item.open .faq-icon{transform:rotate(45deg);}
.faq-a{max-height:0;opacity:0;overflow:hidden;transition:all 0.25s;}
.faq-item.open .faq-a{max-height:300px;opacity:1;}
.faq-a p{margin:0 0 20px;font-size:14.5px;line-height:1.6;color:var(--ink-soft);}

/* final cta */
.final-cta{padding:6vw;text-align:center;background:var(--paper);}
.final-cta p{font-size:17px;color:var(--ink-soft);margin:0 0 28px;}

/* footer */
.site-footer{padding:5vw 6vw 60px;font-size:13px;color:var(--muted);}
.footer-links{display:flex;gap:24px;flex-wrap:wrap;margin-bottom:20px;}
.footer-links a{color:var(--ink-soft);}
.site-footer p{max-width:760px;line-height:1.6;}

/* sticky mobile cta */
.sticky-cta{position:fixed;left:0;right:0;bottom:0;padding:12px 16px;background:#fff;border-top:1px solid var(--line);z-index:50;box-shadow:0 -8px 24px rgba(20,23,31,0.08);display:none;transform:translateY(100%);transition:transform 0.25s ease;}
@media (max-width:760px){ .sticky-cta{display:block;} }
.sticky-cta.visible{transform:translateY(0);}

/* checker page */
.checker-header{display:flex;align-items:center;justify-content:space-between;padding:18px 20px;border-bottom:1px solid var(--line);}
.icon-btn{background:none;border:none;font-size:20px;cursor:pointer;color:var(--ink-soft);padding:4px;width:28px;}
.progress-wrap{padding:10px 20px 0;}
.progress-label{font-size:12px;color:var(--muted);font-weight:600;margin-bottom:8px;}
.progress-track{height:4px;background:var(--line);border-radius:2px;overflow:hidden;}
.progress-bar{height:100%;background:var(--accent);border-radius:2px;width:0%;transition:width .3s;}
.checker-body{flex:1;overflow-y:auto;display:flex;flex-direction:column;align-items:center;padding:36px 24px 100px;min-height:70vh;}
.checker-panel{width:100%;max-width:460px;}
.step-panel{display:none;}
.step-panel.active{display:block;}
.field-row{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:10px;padding:14px 16px;margin-bottom:18px;}
.field-row .prefix{font-weight:600;color:var(--muted);margin-right:10px;}
.field-row input{border:none;outline:none;font-size:17px;width:100%;font-family:inherit;background:none;}
.option-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.option-list{display:flex;flex-direction:column;gap:10px;}
.opt-btn{background:#fff;border:1.5px solid var(--border);border-radius:10px;padding:15px 16px;font-size:14.5px;font-weight:600;cursor:pointer;color:var(--ink);text-align:center;}
.option-list .opt-btn{text-align:left;}
.opt-btn.selected{background:color-mix(in oklch, var(--accent) 10%, white);border-color:var(--accent);color:var(--accent);}
.form-field{border:1.5px solid var(--border);border-radius:10px;padding:14px 16px;font-size:16px;font-family:inherit;width:100%;}
.form-stack{display:flex;flex-direction:column;gap:14px;margin-bottom:22px;}
.otp-input{width:100%;text-align:center;letter-spacing:14px;font-size:26px;font-weight:700;border:1.5px solid var(--border);border-radius:10px;padding:16px;font-family:inherit;}
.hint{font-size:12.5px;color:#a7aebb;margin-top:16px;text-align:center;}
.checkmark-circle{width:56px;height:56px;border-radius:50%;background:color-mix(in oklch, var(--accent) 15%, white);color:var(--accent);display:flex;align-items:center;justify-content:center;font-size:26px;margin:0 auto 18px;}
.result-block{background:var(--paper);border-radius:14px;padding:20px;margin-bottom:16px;}
.result-block.accent{background:color-mix(in oklch, var(--accent) 8%, white);}
.result-block .label{font-size:12px;font-weight:700;letter-spacing:0.06em;color:var(--muted);margin-bottom:12px;}
.result-block.accent .label{color:var(--accent);}
.result-line{display:flex;justify-content:space-between;padding:6px 0;}
.result-line span:first-child{color:var(--ink-soft);font-size:14px;}
.result-line span:last-child{font-weight:700;}
.net-benefit{text-align:center;padding:22px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-bottom:20px;}
.net-benefit .label{font-size:13px;color:var(--muted);font-weight:600;margin-bottom:8px;}
.net-benefit .value{font-size:38px;font-weight:800;color:var(--accent);}
.score-badge{display:inline-block;background:var(--ink);color:#fff;font-size:12.5px;font-weight:700;padding:8px 14px;border-radius:20px;margin-bottom:18px;}
.checklist{display:flex;flex-direction:column;gap:10px;text-align:left;background:var(--paper);border-radius:12px;padding:18px;margin-bottom:26px;font-size:14px;}

.brand-mark{overflow:hidden;padding:0;}
.brand-mark img{width:100%;height:100%;object-fit:cover;display:block;}

@media (max-width:820px){
  .nav a:not(.btn-nav){display:none;}
  .site-header{padding:14px 5vw;}
  .btn-nav{padding:10px 14px;font-size:12px;}
}
@media (max-width:680px){
  .hero{padding:8vw 5vw;gap:8vw;}
  .hero-left{min-width:0;}
  .hero-right{min-width:0;max-width:100%;}
  .section{padding:10vw 5vw;}
  .final-cta{padding:12vw 5vw;}
  .site-footer{padding:8vw 5vw 48px;}
  .trust{padding:0 5vw 8vw;}
  .debt-grid{grid-template-columns:1fr;}
  .steps-grid{grid-template-columns:1fr;gap:24px;}
  .calc-wrap{flex-direction:column;gap:24px;}
  .btn{width:100%;box-sizing:border-box;text-align:center;}
  .btn-nav{width:auto;}
}
@media (max-width:420px){
  .field-row .prefix{margin-right:6px;}
  .otp-input{letter-spacing:8px;}
}
/* checker page mobile */
@media (max-width:480px){
  .checker-body{padding:24px 16px 100px;}
  .option-grid{grid-template-columns:1fr;}
}