:root{--navy:#1F3A93;--navy-d:#172c70;--gold:#CBA135;--off:#F8F5F2;--taupe:#DAD2C8;--char:#4A4A4A;--white:#fffdfb;--muted:#6b6560;
--serif:"Playfair Display","Libre Baskerville",Georgia,serif;--sans:"Open Sans",Lato,system-ui,-apple-system,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-variant-numeric:lining-nums;margin:0;background:var(--off);color:var(--char);font:400 16px/1.6 var(--sans);-webkit-text-size-adjust:100%}
a{color:var(--navy)}
img{max-width:100%;display:block}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:9}
h1,h2,h3{font-family:var(--serif);color:var(--navy);font-weight:700;line-height:1.15;margin:0}
h1 em,h2 em,h3 em{font-style:italic;font-weight:500;color:var(--gold)}
.kicker{font:700 12px/1 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin:0 0 10px}
.label{font:700 11px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin:0 0 10px}
/* top bar */
.topbar{background:var(--off);border-bottom:1px solid var(--taupe);position:sticky;top:0;z-index:5}
.topbar-in{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{height:50px;width:auto}
.toplink{font:600 13px var(--sans);text-decoration:none;color:var(--navy);border:1px solid var(--navy);border-radius:999px;padding:7px 14px}
/* hero */
.hero{padding:48px 0 46px;background:linear-gradient(180deg,var(--off) 0%,#f1ece6 100%);border-bottom:1px solid var(--taupe)}
.hero-in{display:grid;grid-template-columns:1fr;gap:36px;align-items:center}
.hero-text{max-width:680px}
.hero h1{font-size:clamp(40px,10vw,66px);letter-spacing:-.01em}
.intro{font-size:17px;margin:20px 0 26px}
.hero-photo{display:none;margin:0}
@media(min-width:900px){.hero-in{grid-template-columns:minmax(0,1fr) 300px}.hero-photo{display:block}}
.hero-photo img{width:300px;height:300px;object-fit:cover;border-radius:50% 50% 16px 16px;border:5px solid var(--white);box-shadow:0 10px 30px rgba(31,58,147,.18)}
.hero-photo figcaption{margin-top:14px;text-align:center;font:600 italic 18px var(--serif);color:var(--navy)}
.hero-photo figcaption span{font:600 11px var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--gold);font-style:normal}
.sub-note{margin:22px 0 10px;font-size:14px;color:var(--muted)}
.examples{display:flex;flex-wrap:wrap;gap:10px}
/* buttons */
.btn{display:inline-block;text-decoration:none;font:700 15px/1.2 var(--sans);border-radius:999px;padding:14px 22px;border:0;cursor:pointer;transition:transform .15s,background .15s;text-align:center}
.btn:active{transform:scale(.98)}
.btn-big{background:var(--navy);color:var(--off);font-size:17px;padding:18px 32px;box-shadow:0 8px 22px rgba(31,58,147,.22);border-bottom:3px solid var(--gold)}
.btn-big:hover{background:var(--navy-d)}
.btn-ghost{background:var(--white);color:var(--navy);border:1px solid var(--navy);font-size:14px;padding:11px 16px}
.btn-ghost:hover{background:#eef1fa}
.btn-sms{background:var(--gold);color:var(--navy)}
.btn-sms:hover{background:#d7b04a}
.btn-outline{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn-add{background:transparent;color:var(--navy);border:1.5px dashed var(--navy);width:100%;margin-top:4px}
.linkbtn{background:none;border:0;padding:0;color:var(--navy);font:inherit;font-weight:700;text-decoration:underline;cursor:pointer}
/* calculator */
.section{padding:56px 0}
@media(min-width:760px){.section{padding:80px 0}}
.calc{background:#efe9e2}
.calc-wrap{max-width:860px;display:flex;flex-direction:column;gap:22px}
.step{background:var(--white);border:1px solid var(--taupe);border-radius:18px;padding:24px 20px;box-shadow:0 2px 0 rgba(74,74,74,.04)}
@media(min-width:760px){.step{padding:32px 34px}}
.step-head{display:flex;align-items:center;gap:14px;margin-bottom:6px}
.step-head .kicker{margin-bottom:4px}
.step h2{font-size:clamp(28px,6.5vw,38px)}
.step-num{flex:0 0 44px;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--off);font:700 22px/44px var(--serif);text-align:center;border:2px solid var(--gold)}
.step-done{margin-left:auto;font:700 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;background:#f6ecd1;color:#7a5d12;border-radius:999px;padding:7px 10px}
.lede{font-size:16px;margin:12px 0 22px}
/* debt rows */
.debts{display:flex;flex-direction:column;gap:14px;margin-bottom:12px}
.debt{border:1px solid var(--taupe);border-left:4px solid var(--navy);border-radius:12px;padding:14px 14px 12px;background:var(--off);position:relative}
.debt.payoff{border-left-color:var(--gold)}
.debt-top{display:flex;gap:10px;align-items:center;margin-bottom:10px}
.debt-top .input{flex:1}
.remove{flex:0 0 auto;background:none;border:0;color:var(--muted);font:600 13px var(--sans);cursor:pointer;padding:8px 4px;text-decoration:underline}
.debt-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.debt-grid .field:first-child{grid-column:1/-1}
@media(min-width:640px){.debt-grid{grid-template-columns:1.4fr 1fr 1fr}.debt-grid .field:first-child{grid-column:auto}}
.after{grid-column:1/-1}
.fields{display:grid;grid-template-columns:1fr;gap:14px}
@media(min-width:640px){.fields{grid-template-columns:1fr 1fr}.field-wide{grid-column:1/-1}}
.field{display:flex;flex-direction:column;gap:5px;font-size:13px;font-weight:700;color:var(--navy);min-width:0}
.field small{font-weight:400;color:var(--muted);font-size:12.5px;line-height:1.45}
.ex{font-style:normal;font-weight:600;color:#8a6d1c;background:#f6ecd1;border-radius:999px;padding:1px 8px;font-size:11px;margin-left:4px;white-space:nowrap}
.input{position:relative;display:block}
.input input,.input select{width:100%;font:400 16px var(--sans);color:var(--char);background:#fff;border:1.5px solid var(--taupe);border-radius:10px;padding:11px 12px;min-height:46px;-webkit-appearance:none;appearance:none}
.input select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%231F3A93' stroke-width='2'/%3E%3C/svg%3E") no-repeat right 12px center;padding-right:32px}
.input input:focus,.input select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(31,58,147,.15)}
.input input::placeholder{color:#b3aba2}
.money input{padding-left:24px}
.money::before{content:"$";position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:400;font-size:16px}
.pct input{padding-right:30px}
.pct::after{content:"%";position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:400;font-size:16px}
.seg{display:grid;grid-template-columns:1fr 1fr;border:1.5px solid var(--taupe);border-radius:10px;overflow:hidden;background:#fff}
.seg label{display:block;text-align:center;font:600 13.5px var(--sans);padding:10px 6px;cursor:pointer;color:var(--char)}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label:has(input:checked){background:var(--navy);color:var(--off)}
.seg label.on{background:var(--navy);color:var(--off)}
.debt.payoff .seg label.on{background:var(--gold);color:var(--navy)}
.seg label:focus-within{box-shadow:inset 0 0 0 2px var(--gold)}
.after-label{font-size:12px;font-weight:700;color:var(--navy);margin-bottom:5px;display:block}
.expander{margin-top:16px;border:1px solid var(--taupe);border-radius:12px;padding:12px 16px;background:var(--off)}
.expander summary{cursor:pointer;font-weight:700;color:var(--navy);list-style-position:outside}
.expander[open] summary{margin-bottom:12px}
.hint{font-size:13px;color:var(--muted);margin:8px 0 0}
/* step 3 */
.step3{border:2px solid var(--navy)}
.empty{border:2px dashed var(--taupe);border-radius:14px;padding:22px 18px;text-align:center;margin-top:14px;background:var(--off)}
.empty-title{font:600 italic 22px var(--serif);color:var(--navy);margin:0 0 4px}
.empty p{margin:0}
.todo{list-style:none;padding:0;margin:14px auto 0;display:inline-flex;flex-direction:column;gap:6px;text-align:left;font-size:14px}
.todo li::before{content:"";display:inline-block;width:14px;height:14px;border:1.5px solid var(--gold);border-radius:4px;margin-right:9px;vertical-align:-2px}
.todo li.ok{color:var(--muted);text-decoration:line-through}
.todo li.ok::before{background:var(--gold)}
.headline{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:8px;background:var(--navy);border-radius:16px;padding:22px 14px;margin-top:16px;color:var(--off);text-align:center;border-bottom:4px solid var(--gold)}
.hl-label{margin:0;font:700 11px/1.3 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#cfd6ee}
.hl-num{margin:6px 0 0;font:700 clamp(34px,10vw,56px)/1 var(--serif);color:var(--off)}
.hl-after .hl-num{color:var(--gold)}
.hl-arrow{font-size:26px;color:var(--gold)}
.story{margin:18px 0}.story p{font-size:16.5px;margin:0 0 10px;font-family:var(--serif);font-style:italic;line-height:1.55;color:#3d3d3d}
.story .realtalk{font:400 15px/1.55 var(--sans);font-style:normal;background:var(--off);border-left:3px solid var(--gold);padding:10px 12px;border-radius:0 8px 8px 0}
.tiles{display:grid;grid-template-columns:1fr;gap:12px}
@media(min-width:700px){.tiles{grid-template-columns:repeat(3,1fr)}}
.tile{background:var(--off);border:1px solid var(--taupe);border-top:4px solid var(--gold);border-radius:12px;padding:14px 14px 12px}
.t-label{margin:0 0 6px;font:700 11px/1.3 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--navy)}
.t-row{margin:0;font-size:15px;display:flex;align-items:baseline;gap:8px;flex-wrap:wrap}
.t-row strong{font:700 24px var(--serif);color:var(--navy)}
.t-arrow{color:var(--gold)}
.t-chg{margin:2px 0 0;font-size:13px;font-weight:700}
.up{color:#9a3b1e}.down{color:#2c6b3f}.flat{color:var(--muted)}
.t-note,.t-off{margin:6px 0 0;font-size:12px;color:var(--muted);line-height:1.45}
.whatif{margin-top:20px}
.whatif-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.wi{background:#fff;border:1px solid var(--taupe);border-radius:10px;padding:10px 8px;text-align:center;font-size:12.5px;line-height:1.4}
.wi b{display:block;font:700 15px var(--sans);color:var(--navy)}
.wi.cur{border:2px solid var(--navy)}
.tablewrap{overflow-x:auto;margin-top:20px;-webkit-overflow-scrolling:touch}
.breakdown{width:100%;border-collapse:collapse;font-size:13.5px;min-width:560px}
.breakdown caption{text-align:left;font:700 11px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold);padding-bottom:10px}
.breakdown th{text-align:left;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--taupe);padding:6px 8px}
.breakdown td{border-bottom:1px solid #ece5dc;padding:8px;white-space:nowrap}
.breakdown tr.new td{background:#eef1fa;font-weight:600}
.breakdown tr.gone td{color:var(--muted)}
.breakdown td:first-child{white-space:normal}
.warnings p{margin:12px 0 0;font-size:13.5px;background:#faf6ee;border-left:3px solid var(--gold);padding:9px 12px;border-radius:0 8px 8px 0}
.how{background:#fff}
.how h4{font:700 14px var(--sans);color:var(--navy);margin:14px 0 4px}
.how p,.how li{font-size:14px;margin:4px 0}
.how code{font-size:12.5px;background:var(--off);padding:2px 5px;border-radius:4px;word-break:break-word}
.fineprint{font-size:11.5px;line-height:1.55;color:#8a837c;margin:20px 0 0}
/* lead */
.lead{border-top:5px solid var(--gold)}
.hp{position:absolute;left:-9999px}
.check{display:flex;gap:10px;align-items:flex-start;margin:18px 0;font-weight:700;color:var(--navy);font-size:15px;cursor:pointer;background:var(--off);border:1px solid var(--taupe);border-radius:12px;padding:14px}
.check input{width:20px;height:20px;accent-color:var(--navy);flex:0 0 20px;margin:2px 0 0}
#lead-submit{width:100%}
@media(min-width:640px){#lead-submit{width:auto}}
.form-error{color:#9a3b1e;font-weight:600;font-size:14px}
.thanks-btns{display:flex;flex-wrap:wrap;gap:12px;margin:8px 0 16px}
.thanks-btns .btn{flex:1 1 220px}
/* explainer */
.explainer h2{font-size:clamp(30px,7vw,44px);margin-bottom:12px}
.explainer h3{font-size:22px;margin:28px 0 6px}
.explainer p{font-size:16.5px;margin:10px 0}
/* about */
.about{background:var(--white);border-top:1px solid var(--taupe)}
.about-in{display:flex;flex-direction:column;gap:22px;max-width:780px}
.about h2{font-size:clamp(28px,6vw,40px)}
.headshot{width:140px;height:140px;border-radius:50%;object-fit:cover;border:4px solid var(--gold)}
.about p{font-size:16px;margin:12px 0 18px}
@media(min-width:760px){.about-in{flex-direction:row;align-items:center;gap:36px}.headshot{width:170px;height:170px;flex:0 0 170px}}
/* footer */
.footer{background:var(--char);color:#e8e3dc;padding:40px 0 48px;font-size:13px;text-align:center}
.footer-logo{width:110px;margin:0 auto 16px;background:var(--off);border-radius:12px;padding:8px}
.footer p{margin:8px auto;max-width:720px}
.footer a{color:var(--gold);text-decoration:none}
.legal{font-weight:600}
.disclaimer{color:#bdb6ad;font-size:12px}
section,.step{scroll-margin-top:76px}
[hidden]{display:none!important}
.hl-num,.t-row strong,.story p,.step-num,.wi b,h1,h2,h3{font-variant-numeric:lining-nums}