:root {
  --debt-ink: #18263a;
  --debt-muted: #5e7087;
  --debt-line: rgba(24, 38, 58, 0.12);
  --debt-line-strong: rgba(24, 38, 58, 0.2);
  --debt-surface: rgba(255, 255, 255, 0.95);
  --debt-surface-soft: rgba(255, 255, 255, 0.82);
  --debt-surface-accent: linear-gradient(180deg, rgba(15, 106, 191, 0.06), rgba(255, 255, 255, 0.96));
  --debt-brand: #0f6abf;
  --debt-brand-2: #13a39a;
  --debt-brand-deep: #0b345f;
  --debt-accent: #f08a38;
  --debt-success: #1f8a5b;
  --debt-warning: #b86a14;
  --debt-danger: #b2433e;
  --debt-shadow: 0 24px 54px rgba(16, 33, 58, 0.08);
  --debt-radius: 20px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--debt-ink);
  background:
    radial-gradient(circle at 0% 0%, rgba(19, 163, 154, 0.14), transparent 34%),
    radial-gradient(circle at 100% 10%, rgba(15, 106, 191, 0.14), transparent 38%),
    linear-gradient(180deg, #eef5ff 0%, #f7f9fc 42%, #f9f7f1 100%);
}

.debt-shell,
.debt-shell input,
.debt-shell select,
.debt-shell textarea,
.debt-shell button,
.debt-shell table {
  font: inherit;
}

.debt-shell {
  width: min(1200px, 94vw);
  margin: 24px auto 48px;
}

.debt-shell a {
  color: inherit;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
  z-index: 100;
}

.hero-debt {
  display: grid;
  grid-template-columns: minmax(0, 1.18fr) minmax(290px, 0.82fr);
  gap: 22px;
  margin-top: 16px;
  padding: 28px;
  border-radius: 28px;
  color: #fff;
  background: linear-gradient(135deg, var(--debt-brand-deep), var(--debt-brand) 56%, var(--debt-brand-2));
  box-shadow: var(--debt-shadow);
}

.hero-debt > [data-simplekit-header] {
  grid-column: 1 / -1;
}

.hero-debt .site-topbar {
  margin-bottom: 0;
}

.hero-copy,
.hero-side,
.hero-highlight,
.hero-mini-grid,
.results-stack,
.calculator-card,
.input-card,
.advanced-panel,
.feature-grid,
.info-grid,
.form-toolbar,
.trust-grid,
.quick-start-strip,
.payoff-order-list,
.faq-list,
.related-grid,
.headline-grid,
.status-block {
  display: grid;
  gap: 12px;
}

.hero-copy,
.hero-side,
.calculator-card,
.results-stack,
.debt-table-wrap,
.debt-rows {
  min-width: 0;
}

.eyebrow,
.section-kicker,
.step-kicker,
.mini-kicker,
.trust-label {
  display: inline-flex;
  width: fit-content;
  margin: 0;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.eyebrow,
.mini-kicker {
  opacity: 0.86;
}

.section-kicker,
.step-kicker,
.trust-label {
  color: var(--debt-brand);
}

.hero-debt h1,
.panel h2 {
  margin: 0;
  font-family: "Iowan Old Style", "Baskerville", "Georgia", serif;
}

.hero-debt h1 {
  font-size: clamp(2.6rem, 4.5vw, 5rem);
  line-height: 0.98;
  max-width: 10ch;
}

.hero-subtitle,
.hero-proof,
.muted,
.small-copy,
.panel-header p,
.results-block-head p,
.comparison-insight p,
.faq-item p,
.related-card p,
.payoff-item p {
  margin: 0;
}

.hero-subtitle {
  font-size: 1.12rem;
  font-weight: 700;
  max-width: 56ch;
}

.hero-proof,
.panel-header p,
.results-block-head p,
.feature-grid p,
.info-card p,
.comparison-insight p,
.faq-item p,
.related-card p,
.payoff-item p,
.quick-start-item p {
  line-height: 1.6;
}

.hero-actions,
.toolbar-actions,
.sticky-actions,
.debt-table-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.hero-trust-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.hero-trust-row span,
.hero-mini-grid div,
.hero-highlight {
  border-radius: 18px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(7px);
}

.hero-trust-row span,
.hero-mini-grid div {
  padding: 10px 12px;
  font-size: 0.88rem;
}

.hero-highlight {
  padding: 18px;
}

.hero-highlight strong {
  display: block;
  font-size: clamp(2rem, 5vw, 3rem);
  line-height: 1;
}

.mini-summary-label {
  color: rgba(255, 255, 255, 0.76);
  font-size: 0.82rem;
}

.trust-strip,
.jump-strip,
.panel,
.results-shell,
.results-status,
.quick-start-item,
.headline-card,
.result-card,
.comparison-card,
.chart-card,
.schedule-panel,
.feature-grid article,
.info-card,
.related-card,
.faq-item,
.payoff-item {
  border: 1px solid var(--debt-line);
  border-radius: var(--debt-radius);
  background: var(--debt-surface);
  box-shadow: 0 10px 30px rgba(16, 33, 58, 0.04);
}

.page-flow {
  display: grid;
  gap: 18px;
  margin-top: 18px;
}

.jump-strip {
  display: flex;
  gap: 10px;
  flex-wrap: nowrap;
  overflow-x: auto;
  margin-top: 18px;
  padding: 12px 14px;
  scrollbar-width: none;
}

.jump-strip::-webkit-scrollbar {
  display: none;
}

.jump-strip a {
  padding: 8px 12px;
  border-radius: 999px;
  border: 1px solid var(--debt-line);
  background: rgba(255, 255, 255, 0.72);
  text-decoration: none;
  font-size: 0.94rem;
  white-space: nowrap;
}

.trust-strip,
.panel {
  padding: 22px;
}

.results-status,
.results-shell {
  padding: 18px;
}

.results-status {
  background: linear-gradient(135deg, rgba(15, 106, 191, 0.08), rgba(19, 163, 154, 0.08));
}

.inline-status {
  margin-top: 8px;
  padding: 14px;
  background: rgba(255, 255, 255, 0.7);
}

.panel-header,
.results-block-head,
.input-card-head,
.strip-head,
.chart-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
}

.panel-header-tight {
  align-items: center;
}

.trust-grid,
.info-grid,
.result-grid,
.headline-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.trust-grid,
.info-grid,
.result-grid,
.related-grid,
.faq-list {
  margin-top: 16px;
}

.trust-grid article,
.info-card,
.result-card,
.headline-card,
.quick-start-item,
.related-card,
.payoff-item {
  padding: 16px;
}

.trust-grid strong,
.info-card h3,
.result-card strong,
.headline-card strong,
.quick-start-item strong,
.related-card strong,
.payoff-item strong {
  display: block;
  margin-bottom: 8px;
}

.headline-band {
  background: linear-gradient(135deg, rgba(15, 106, 191, 0.06), rgba(19, 163, 154, 0.06));
}

.headline-card {
  background: rgba(255, 255, 255, 0.78);
}

.intro-panel {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.92), rgba(246, 250, 255, 0.92));
}

.intro-notes {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 16px;
}

.who-for-strip {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: 16px;
  border: 1px solid var(--debt-line);
  background: rgba(247, 250, 255, 0.88);
}

.who-for-strip strong {
  display: block;
  margin-bottom: 6px;
}

.who-for-strip p {
  margin: 0;
  line-height: 1.55;
}

.intro-notes div {
  padding: 16px;
  border-radius: 16px;
  border: 1px solid var(--debt-line);
  background: rgba(255, 255, 255, 0.78);
}

.intro-notes strong {
  display: block;
  margin-bottom: 6px;
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(340px, 0.96fr) minmax(0, 1.04fr);
  align-items: start;
  gap: 18px;
  margin-top: 18px;
}

.calculator-card {
  align-content: start;
  padding: 18px;
  border-radius: 22px;
  border: 1px solid var(--debt-line);
  background: var(--debt-surface-soft);
  overflow: hidden;
}

.input-card {
  padding: 18px;
  border-radius: 18px;
  background: #fff;
  border: 1px solid var(--debt-line);
  min-width: 0;
  overflow: hidden;
}

.form-toolbar {
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: start;
}

.form-toolbar-compact {
  gap: 10px;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.calculator-grid-core {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.micro-tip-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 12px;
}

.micro-tip-row span {
  padding: 8px 10px;
  border-radius: 999px;
  background: rgba(15, 106, 191, 0.08);
  color: var(--debt-brand-deep);
  font-size: 0.86rem;
  font-weight: 700;
}

.form-field {
  display: grid;
  gap: 8px;
}

.form-field span {
  font-weight: 700;
}

.form-field small {
  color: var(--debt-muted);
  line-height: 1.45;
}

.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  border: 1px solid var(--debt-line);
  border-radius: 14px;
  color: var(--debt-ink);
  background: #fff;
}

.form-field input[aria-invalid="true"],
.form-field select[aria-invalid="true"] {
  border-color: rgba(178, 67, 62, 0.55);
  background: rgba(178, 67, 62, 0.04);
}

.input-prefix,
.input-suffix {
  display: flex;
  align-items: center;
  border: 1px solid var(--debt-line);
  border-radius: 14px;
  background: #fff;
}

.input-prefix span,
.input-suffix span {
  padding: 0 14px;
  color: var(--debt-muted);
  font-weight: 700;
}

.input-prefix input,
.input-suffix input {
  border: 0;
  border-radius: 14px;
  background: transparent;
}

.input-prefix:focus-within,
.input-suffix:focus-within {
  border-color: rgba(240, 138, 56, 0.42);
  box-shadow: 0 0 0 3px rgba(240, 138, 56, 0.12);
}

.input-prefix input:focus,
.input-suffix input:focus {
  outline: 0;
}

.debt-table-wrap {
  display: grid;
  gap: 12px;
}

.debt-rows {
  display: grid;
  gap: 12px;
}

.debt-row {
  display: block;
  border-radius: 18px;
  border: 1px solid var(--debt-line);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(248, 251, 255, 0.9));
  min-width: 0;
  overflow: hidden;
}

.debt-row-summary {
  display: block;
  cursor: pointer;
  list-style: none;
  padding: 12px 14px;
}

.debt-row-summary::-webkit-details-marker {
  display: none;
}

.debt-row[open] .debt-row-summary {
  border-bottom: 1px solid var(--debt-line);
  background: rgba(15, 106, 191, 0.03);
}

.debt-row-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.debt-row-title-wrap {
  display: block;
  min-width: 0;
}

.debt-row-index {
  color: var(--debt-brand);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  min-width: 0;
  overflow-wrap: anywhere;
}

.debt-row-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: 10px;
  color: var(--debt-muted);
  font-size: 0.88rem;
  line-height: 1.3;
}

.debt-meta-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 9px;
  border-radius: 999px;
  background: rgba(15, 106, 191, 0.035);
  border: 1px solid rgba(15, 106, 191, 0.08);
}

.debt-meta-pill strong {
  color: var(--debt-muted);
  font-size: 0.64rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0;
}

.debt-meta-pill span {
  color: var(--debt-ink);
  font-weight: 700;
  white-space: nowrap;
}

.debt-row-summary-actions {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-shrink: 0;
}

.debt-row-body {
  padding: 12px 14px 14px;
}

.debt-row-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  align-items: start;
  min-width: 0;
}

.debt-name-field {
  grid-column: 1 / -1;
}

.debt-row-grid .form-field input,
.debt-row-grid .form-field select {
  font-size: 1rem;
}

.debt-row-grid .input-prefix input,
.debt-row-grid .input-suffix input {
  min-width: 0;
}

.debt-row-grid .form-field,
.debt-row-grid .input-prefix,
.debt-row-grid .input-suffix {
  min-width: 0;
}

.debt-row-grid > .form-field:not(.debt-name-field) {
  align-content: start;
  grid-template-rows: minmax(3.5em, auto) auto minmax(4.4em, auto);
}

.debt-row-grid > .form-field:not(.debt-name-field) > span:first-child {
  display: flex;
  align-items: flex-end;
}

.strategy-explainer {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 16px;
}

.advanced-panel {
  margin-top: 16px;
  border-radius: 18px;
  border: 1px solid var(--debt-line);
  background: rgba(247, 250, 255, 0.9);
  overflow: hidden;
}

.advanced-panel summary {
  cursor: pointer;
  padding: 14px 16px;
  font-weight: 700;
  list-style: none;
}

.advanced-panel summary::-webkit-details-marker {
  display: none;
}

.advanced-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 14px;
  padding: 0 16px 16px;
}

.advanced-panel .strategy-explainer {
  margin: 0;
  padding: 0 16px 16px;
}

.strategy-explainer article,
.comparison-insight {
  padding: 16px;
  border-radius: 18px;
  border: 1px solid var(--debt-line);
  background: var(--debt-surface-accent);
}

.strategy-explainer strong,
.comparison-insight strong {
  display: block;
  margin-bottom: 8px;
}

.sticky-actions {
  position: static;
  padding: 12px;
  border-radius: 18px;
  border: 1px solid var(--debt-line);
  background: rgba(255, 255, 255, 0.92);
}

.btn-wide {
  min-width: 230px;
}

.comparison-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 16px;
}

.comparison-card {
  padding: 16px;
}

.comparison-card-selected {
  border-color: rgba(15, 106, 191, 0.35);
  box-shadow: 0 18px 34px rgba(15, 106, 191, 0.12);
}

.bottom-line-card {
  margin-top: 14px;
  padding: 18px;
  border-radius: 18px;
  border: 1px solid rgba(15, 106, 191, 0.18);
  background: linear-gradient(135deg, rgba(15, 106, 191, 0.1), rgba(19, 163, 154, 0.08));
  box-shadow: 0 22px 42px rgba(15, 106, 191, 0.11);
}

.bottom-line-tags {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}

.bottom-line-tag {
  padding: 7px 10px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.7);
  color: var(--debt-brand-deep);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.04em;
}

.bottom-line-card strong {
  display: block;
  margin: 6px 0 8px;
  font-size: clamp(1.2rem, 2.4vw, 1.55rem);
  line-height: 1.2;
}

.bottom-line-card p {
  margin: 0;
  line-height: 1.55;
}

.results-plain-note {
  margin-top: 14px;
  padding: 14px 16px;
  border-radius: 16px;
  border: 1px solid var(--debt-line);
  background: rgba(247, 250, 255, 0.88);
}

.results-plain-note strong {
  display: block;
  margin-bottom: 6px;
}

.results-detail-shell {
  overflow: hidden;
  box-shadow: none;
  background: rgba(255, 255, 255, 0.82);
  border-color: rgba(24, 38, 58, 0.08);
}

.results-detail-summary {
  display: grid;
  gap: 4px;
  cursor: pointer;
  list-style: none;
}

.results-detail-summary::-webkit-details-marker {
  display: none;
}

.results-detail-body {
  margin-top: 16px;
}

.result-card-primary {
  border-color: rgba(15, 106, 191, 0.22);
  box-shadow: 0 20px 38px rgba(15, 106, 191, 0.13);
  background: linear-gradient(180deg, rgba(15, 106, 191, 0.08), rgba(255, 255, 255, 0.95));
}

.comparison-head {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  align-items: center;
  margin-bottom: 12px;
}

.comparison-head span {
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(15, 106, 191, 0.1);
  color: var(--debt-brand-deep);
  font-size: 0.82rem;
  font-weight: 700;
}

.comparison-stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin: 0;
}

.comparison-stats div {
  padding: 12px;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.82);
}

.comparison-stats dt {
  margin: 0 0 6px;
  color: var(--debt-muted);
  font-size: 0.82rem;
  font-weight: 700;
}

.comparison-stats dd {
  margin: 0;
  font-size: 1.05rem;
  font-weight: 700;
}

.payoff-order-list {
  margin-top: 16px;
}

.payoff-item {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  gap: 14px;
  align-items: center;
}

.payoff-rank {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--debt-brand), var(--debt-brand-2));
  color: #fff;
  font-weight: 800;
}

.payoff-meta {
  display: grid;
  gap: 4px;
  text-align: right;
  color: var(--debt-muted);
  font-size: 0.88rem;
}

.chart-card {
  padding: 18px;
}

.chart-story {
  margin-bottom: 14px;
  padding: 14px 16px;
  border-radius: 16px;
  border: 1px solid var(--debt-line);
  background: rgba(247, 250, 255, 0.88);
}

.chart-story strong {
  display: block;
  margin-bottom: 6px;
}

.chart-story p {
  margin: 0;
  line-height: 1.55;
}

.chart-wrap {
  margin-top: 14px;
  border-radius: 18px;
  border: 1px solid var(--debt-line);
  background: #fff;
  padding: 12px;
}

.chart-wrap canvas {
  display: block;
  width: 100%;
  height: 360px;
}

.schedule-panel {
  overflow: hidden;
}

.schedule-panel summary {
  cursor: pointer;
  padding: 16px 18px;
  font-weight: 700;
  list-style: none;
}

.schedule-panel summary::-webkit-details-marker {
  display: none;
}

.schedule-table-wrap {
  overflow: auto;
  border-top: 1px solid var(--debt-line);
}

.schedule-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 720px;
}

.schedule-table th,
.schedule-table td {
  padding: 12px 14px;
  text-align: left;
  border-bottom: 1px solid var(--debt-line);
}

.schedule-table th {
  position: sticky;
  top: 0;
  background: #f8fbff;
  z-index: 1;
}

.faq-item,
.related-card {
  padding: 16px;
  box-shadow: 0 6px 18px rgba(16, 33, 58, 0.03);
}

.seo-panel .info-card,
.faq-panel .faq-item,
.related-panel .related-card {
  background: rgba(255, 255, 255, 0.82);
  border-color: rgba(24, 38, 58, 0.08);
  box-shadow: none;
}

.seo-panel .panel-header p,
.faq-panel .panel-header p,
.related-panel .panel-header p {
  max-width: 62ch;
  color: var(--debt-muted);
}

.seo-panel .info-grid,
.faq-panel .faq-list,
.related-panel .related-grid {
  gap: 10px;
}

.seo-panel .info-card,
.faq-panel .faq-item,
.related-panel .related-card {
  padding: 14px;
}

.seo-panel .info-card h3,
.faq-panel .faq-item summary,
.related-panel .related-card strong {
  margin-bottom: 6px;
}

.seo-panel .info-card p,
.faq-panel .faq-item p,
.related-panel .related-card p {
  font-size: 0.97rem;
  line-height: 1.5;
}

.related-panel .related-card span {
  font-size: 0.88rem;
}

.faq-item summary {
  cursor: pointer;
  font-weight: 700;
}

.faq-item[open] {
  background: linear-gradient(180deg, rgba(15, 106, 191, 0.04), rgba(255, 255, 255, 0.96));
}

.related-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.related-card {
  display: grid;
  gap: 8px;
  text-decoration: none;
  transition: transform 140ms ease, box-shadow 140ms ease;
}

.related-card span {
  color: var(--debt-brand);
  font-size: 0.92rem;
  font-weight: 700;
}

.related-card:hover {
  transform: translateY(-1px);
  box-shadow: 0 18px 36px rgba(16, 33, 58, 0.08);
}

.status-block {
  padding: 14px 16px;
  border-radius: 16px;
}

.status-block strong {
  display: block;
}

.status-block ul,
.status-block p {
  margin: 0;
}

.status-block ul {
  padding-left: 18px;
}

.status-ok {
  background: rgba(31, 138, 91, 0.05);
  border: 1px dashed rgba(31, 138, 91, 0.18);
}

.status-warning {
  background: rgba(240, 138, 56, 0.12);
  border: 1px solid rgba(240, 138, 56, 0.16);
}

.status-error {
  background: rgba(178, 67, 62, 0.1);
  border: 1px solid rgba(178, 67, 62, 0.16);
}

.debt-shell .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 16px;
  border-radius: 999px;
  border: 1px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition: transform 140ms ease, box-shadow 140ms ease, background-color 140ms ease;
}

.debt-shell .btn:hover {
  transform: translateY(-1px);
}

.debt-shell .btn-primary {
  color: #fff;
  background: linear-gradient(135deg, var(--debt-brand), var(--debt-brand-2));
  box-shadow: 0 14px 28px rgba(11, 52, 95, 0.22);
}

.debt-shell .btn-secondary {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.28);
  background: rgba(255, 255, 255, 0.12);
}

.debt-shell .btn-secondary-panel,
.debt-shell .btn-tertiary,
.debt-shell .btn-icon {
  color: var(--debt-ink);
  border-color: var(--debt-line);
  background: #fff;
}

.debt-shell .btn-icon {
  min-width: 72px;
}

.debt-shell .btn:focus-visible,
.debt-shell input:focus-visible,
.debt-shell select:focus-visible,
.debt-shell textarea:focus-visible,
.schedule-panel summary:focus-visible,
.faq-item summary:focus-visible {
  outline: 3px solid rgba(240, 138, 56, 0.32);
  outline-offset: 2px;
}

.no-print {
  print-color-adjust: exact;
}

@media (max-width: 1080px) {
  .calculator-layout,
  .trust-grid,
  .info-grid,
  .result-grid,
  .related-grid,
  .headline-grid,
  .intro-notes {
    grid-template-columns: 1fr 1fr;
  }

  .debt-row-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 900px) {
  .hero-debt,
  .calculator-layout,
  .calculator-grid,
  .calculator-grid-core,
  .strategy-explainer,
  .comparison-grid,
  .trust-grid,
  .info-grid,
  .result-grid,
  .related-grid,
  .headline-grid,
  .intro-notes,
  .form-toolbar {
    grid-template-columns: 1fr;
  }

  .panel-header,
  .results-block-head,
  .input-card-head,
  .strip-head,
  .chart-header,
  .payoff-item {
    grid-template-columns: 1fr;
    flex-direction: column;
  }

  .payoff-meta {
    justify-content: flex-start;
    text-align: left;
  }

  .debt-row-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    align-items: start;
  }

  .debt-row-top {
    flex-wrap: wrap;
    align-items: flex-start;
  }

  .debt-row-meta {
    margin-top: 8px;
  }

  .micro-tip-row {
    gap: 6px;
  }

  .seo-panel .info-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .debt-shell {
    width: min(100vw - 24px, 100%);
    margin: 12px auto 32px;
  }

  .hero-debt,
  .trust-strip,
  .jump-strip,
  .panel,
  .results-status,
  .results-shell,
  .chart-card {
    padding: 16px;
  }

  .info-card,
  .faq-item,
  .related-card,
  .results-detail-shell,
  .results-plain-note,
  .bottom-line-card,
  .chart-story {
    padding: 10px 12px;
  }

  .seo-panel .panel-header p,
  .faq-panel .panel-header p,
  .related-panel .panel-header p,
  .seo-panel .info-card p,
  .faq-panel .faq-item p,
  .related-panel .related-card p {
    font-size: 0.94rem;
    line-height: 1.45;
  }

  .seo-panel .info-grid,
  .faq-panel .faq-list,
  .related-panel .related-grid {
    gap: 8px;
    margin-top: 12px;
  }

  .seo-panel .info-card h3,
  .faq-panel .faq-item summary,
  .related-panel .related-card strong {
    font-size: 1rem;
    margin-bottom: 4px;
  }

  .debt-row-grid {
    grid-template-columns: 1fr;
  }

  .debt-row .form-field {
    padding-top: 0;
  }

  .comparison-stats {
    grid-template-columns: 1fr;
  }

  .debt-shell .btn,
  .btn-wide {
    width: 100%;
  }

  .debt-row-summary-actions {
    width: 100%;
    justify-content: flex-end;
  }

  .debt-row-meta {
    font-size: 0.9rem;
    gap: 6px;
  }

  .micro-tip-row span {
    font-size: 0.82rem;
  }

  .debt-meta-pill {
    padding: 4px 8px;
  }

  .bottom-line-tag {
    font-size: 0.76rem;
    padding: 6px 9px;
  }

  .bottom-line-card strong {
    font-size: 1.18rem;
  }

  .result-card,
  .comparison-card,
  .payoff-item {
    padding: 12px;
  }

  .chart-wrap canvas {
    height: 250px;
  }
}

@media print {
  body {
    background: #fff;
  }

  .hero-actions,
  .toolbar-actions,
  .sticky-actions,
  .no-print,
  [data-simplekit-header],
  [data-simplekit-support],
  [data-simplekit-footer] {
    display: none !important;
  }

  .debt-shell {
    width: 100%;
    margin: 0;
  }

  .hero-debt,
  .panel,
  .results-shell,
  .results-status,
  .trust-strip {
    box-shadow: none;
    border: 1px solid #d0d7e2;
  }
}