/* Debt consultation guide — shared palette with the legal simulators. */
.debt-guide{--primary:#bd5311;--primary-dark:#a6470d;--secondary:#1e3a5f;--border:#dfe4de;--dg-muted:#5f7180;background:#f6f3ec;color:#293f52}
.debt-guide .container{max-width:1160px}
.debt-guide p{line-height:1.95}
.debt-guide [id]{scroll-margin-top:150px}
.debt-guide [hidden]{display:none!important}
.debt-guide :is(a,button,summary,input,select):focus-visible{outline:3px solid #c5804a;outline-offset:4px}
.debt-guide .btn{white-space:normal;text-align:center;line-height:1.7;border-radius:8px;font-size:13px;min-height:48px;padding:12px 20px;gap:10px}
.debt-guide .btn-primary{box-shadow:0 3px 0 #97420e;color:#fff}
.debt-guide .btn-primary:hover{transform:translateY(-1px)}
.debt-guide .btn-outline,.debt-guide .debt-btn-light{border-color:#bdc9c7;color:#1e3a5f;background:#fff}
.debt-guide .btn-outline:hover,.debt-guide .debt-btn-light:hover{background:#edf2eb;border-color:#8fa493}
.debt-hero{padding:26px 0 38px}
.debt-breadcrumb{display:flex;flex-wrap:wrap;gap:10px;color:#62778a;font-size:11px;margin-bottom:38px;line-height:1.8}
.debt-breadcrumb a{text-decoration:underline;text-underline-offset:3px}
.debt-hero-grid{display:grid;grid-template-columns:1.08fr 1fr;gap:48px;align-items:center}
.debt-hero-copy{padding:8px 0;min-width:0}
.debt-eyebrow{color:#ab4e15;font-size:10px;font-weight:700;letter-spacing:.12em;line-height:1.7;margin-bottom:21px}
.debt-eyebrow span{display:inline-block;margin-left:13px;padding-left:13px;border-left:1px solid #c9cfc7;color:#5f7180;letter-spacing:.04em;font-weight:500}
.debt-hero h1{font-size:clamp(28px,3.05vw,42px);font-weight:600;color:#1e3a5f;line-height:1.75;letter-spacing:.005em}
.debt-hero-lead{font-size:14px;line-height:2.05!important;color:#5f7180;margin-top:22px}
.debt-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.debt-actions .btn{min-height:53px}
.debt-hero-trust{display:flex;flex-wrap:wrap;gap:9px 15px;margin-top:23px}
.debt-hero-trust span{display:inline-flex;align-items:center;gap:5px;font-size:10px;font-weight:500;color:#475e6e}
.debt-hero-trust svg{width:13px;height:13px;color:#64826c}
.debt-hero-note{font-size:10px;color:#647784;margin-top:13px;max-width:450px}
.debt-hero-visual{margin:0;min-width:0}
.debt-hero-visual img{display:block;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;border-radius:18px;background:#eee7da}
.debt-hero-visual figcaption{display:flex;justify-content:space-between;gap:8px;color:#647784;font-size:10px;line-height:1.8;padding:13px 2px 0}
.debt-hero-visual figcaption span{color:#3e5968;font-weight:500}
.debt-entry-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:38px}
.debt-entry{display:flex;align-items:center;gap:13px;border:1px solid #dfe4de;background:#fff;padding:20px 18px;border-radius:11px;transition:border-color .2s,background .2s}
.debt-entry:hover{border-color:#8da393;background:#f7faf3}
.debt-entry-number{font-size:11px;font-weight:600;color:#7b8d7c;align-self:flex-start;padding-top:3px}
.debt-entry>div{min-width:0;flex:1}
.debt-entry>div>span{display:block;font-size:11px;color:#687986;margin-bottom:6px}
.debt-entry strong{display:block;font-size:14px;color:#1e3a5f;font-weight:600;line-height:1.8}
.debt-entry>svg{width:17px;height:17px;color:#7d9282;flex-shrink:0}
.debt-jump{position:sticky;top:64px;z-index:30;background:#fafbf8f5;backdrop-filter:blur(10px);border-block:1px solid #dfe4de}
.debt-jump>.container{display:flex;justify-content:space-between;gap:22px;overflow-x:auto;overscroll-behavior-x:contain;scrollbar-width:thin}
.debt-jump a{display:inline-flex;align-items:center;gap:9px;flex-shrink:0;min-height:64px;font-size:12px;font-weight:500;color:#607382;border-bottom:2px solid transparent;white-space:nowrap}
.debt-jump a>span{font-size:10px;color:#829080;font-variant-numeric:tabular-nums}
.debt-jump a:hover,.debt-jump a[aria-current="location"]{color:#a64b13;border-bottom-color:#bd6a32}
.debt-jump a[aria-current="location"]>span{color:#a64b13}
.debt-section{padding-block:76px}
.debt-tinted{background:#edf1e9;border-block:1px solid #e2e7dd}
.debt-section-heading{margin-bottom:29px;max-width:760px}
.debt-kicker{font-size:10px;font-weight:700;letter-spacing:.1em;color:#a54b15;margin-bottom:10px}
.debt-section-heading h2{color:#1e3a5f;font-size:clamp(25px,2.5vw,32px);line-height:1.75;font-weight:600;letter-spacing:.01em}
.debt-section-heading>p:last-child:not(.debt-kicker){color:#5f7180;font-size:14px;line-height:1.95;margin-top:16px}
.debt-three-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.debt-two-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.debt-panel{min-width:0;background:#fff;border:1px solid #dde4de;padding:27px;border-radius:13px}
.debt-panel h3{font-family:inherit;font-size:17px;font-weight:600;line-height:1.8;color:#1e3a5f}
.debt-panel>p{font-size:13px;margin-top:13px;color:#526978}
.debt-icon{display:inline-flex;align-items:center;justify-content:center;flex:0 0 43px;width:43px;height:43px;color:#5b7964;background:#edf2ea;border-radius:11px}
.debt-icon svg{width:22px;height:22px}
.debt-option{display:flex;flex-direction:column;align-items:flex-start;padding-top:28px}
.debt-option h3{font-size:21px;margin-top:19px;letter-spacing:.02em}
.debt-option>p{font-size:13px}
.debt-option>.debt-question{font-size:10px;color:#a54b15;letter-spacing:.06em;margin-top:23px;padding-top:19px;border-top:1px solid #e5e8e1;width:100%;font-weight:600}
.debt-option>.debt-question+p{margin-top:7px}
.debt-option>a,.debt-fee-card>a{display:inline-flex;align-items:center;gap:7px;color:#1e3a5f;text-decoration:underline;text-underline-offset:4px;font-size:11px;font-weight:600;padding-top:23px;margin-top:auto;line-height:1.8}
.debt-guide a .icon-sm{flex-shrink:0}
.debt-source-note{font-size:11px;color:#637786;margin-top:20px;line-height:1.9}
.debt-guide :is(.debt-source-note,.debt-sources,.debt-selection-list) a{text-decoration:underline;text-underline-offset:3px}
.debt-sim-callout{display:flex;gap:18px;align-items:center;padding:23px 26px;border:1px solid #dbe3d8;background:#eef3e9;border-radius:12px;margin-top:30px}
.debt-sim-callout>div{flex:1}
.debt-sim-callout h3{font-family:inherit;font-size:15px;font-weight:600;color:#2c4c43;line-height:1.8}
.debt-sim-callout p{font-size:12px;color:#5f7180;margin-top:4px}
.debt-sim-callout>.btn{flex-shrink:0}
.debt-card-top{display:flex;justify-content:space-between;align-items:center;gap:8px;flex-wrap:wrap}
.debt-tag{display:inline-block;font-size:10px;font-weight:500;line-height:1.7;background:#eff2ed;color:#496254;padding:3px 8px;border-radius:4px}
.debt-fee-card{display:flex;flex-direction:column;border-top:3px solid #b1c2ab;padding-top:23px}
.debt-fee-card .debt-fee-condition{font-size:11px;color:#5f7180;margin-top:7px}
.debt-fee-card .debt-fee-caption{font-size:11px;color:#5f7180;margin-top:29px}
.debt-fee-card .debt-fee-value{font-size:clamp(26px,3vw,35px);font-weight:600;letter-spacing:-.025em;line-height:1.4;color:#1e3a5f;margin-top:4px;font-variant-numeric:tabular-nums}
.debt-fee-spread{padding:14px;background:#f4f6f0;border:1px solid #e3e8de;margin-top:22px;border-radius:7px}
.debt-fee-spread span{display:block;color:#5f7180;font-size:10px;margin-bottom:6px}
.debt-fee-spread strong{font-size:12px;font-variant-numeric:tabular-nums;color:#3b584c;line-height:1.8}
.debt-guide .debt-small{font-size:11px;color:#5f7180;line-height:1.9}
.debt-no-data{padding-block:20px}
.debt-fee-notice{display:flex;align-items:flex-start;gap:14px;margin:24px 0 19px;font-size:12px;color:#526978}
.debt-fee-notice>svg{width:21px;height:21px;flex-shrink:0;color:#8a6c43;margin-top:4px}
.debt-fee-notice strong{display:block;color:#314d55;margin-bottom:4px;font-weight:600}
.debt-details{background:#fff;border:1px solid #dfe4de;border-radius:9px;font-size:13px;overflow:hidden}
.debt-details summary{position:relative;cursor:pointer;list-style:none;padding:18px 48px 18px 20px;color:#1e3a5f;font-size:13px;font-weight:600;line-height:1.8}
.debt-details summary::-webkit-details-marker{display:none}
.debt-details summary::after{content:"+";position:absolute;right:20px;top:18px;color:#7b8b7a;font-size:18px;font-weight:400;line-height:1.3}
.debt-details[open] summary::after{content:"−"}
.debt-details summary:hover{background:#f6f8f2}
.debt-details>div{padding:0 20px 22px;color:#526978;line-height:1.9}
.debt-details[open] summary{margin-bottom:6px}
.debt-details .debt-small{margin-top:15px}
.debt-bullets{padding-left:18px;font-size:13px;line-height:1.95}
.debt-bullets li+li{margin-top:9px}
.debt-bullets li::marker{color:#97a78d}
.debt-review-panel{padding:30px}
.debt-review-heading{display:flex;align-items:center;gap:15px}
.debt-review-heading .debt-kicker{margin-bottom:3px;font-size:10px}
.debt-review-heading h3{font-size:18px}
.debt-review-panel>.debt-bullets{margin:22px 0}
.debt-review-panel>.debt-small{padding-top:17px;border-top:1px solid #e4e8df}
.debt-review-workplace{background:#f8faf5}
.debt-review-workplace .debt-icon{background:#e9efe9;color:#566f62}
.debt-editorial-note{background:#eeeae1;border-radius:10px;display:grid;grid-template-columns:115px minmax(0,1fr);column-gap:23px;padding:25px 28px;margin-top:25px}
.debt-editorial-note>strong{font-size:12px;color:#526b57;line-height:1.9}
.debt-editorial-note>p{font-size:12px;color:#5b6f7c}
.debt-editorial-note>a{grid-column:2;display:inline-flex;align-items:center;gap:6px;font-size:11px;margin-top:12px;text-decoration:underline;text-underline-offset:3px;color:#1e3a5f}
.debt-selection-list{list-style:none;display:grid;gap:0;background:#fff;border:1px solid #dde4de;border-radius:13px;padding:0 30px;overflow:hidden}
.debt-selection-list>li{display:grid;grid-template-columns:51px minmax(0,1fr);gap:21px;padding:25px 0;border-bottom:1px solid #e4e8df}
.debt-selection-list>li:last-child{border-bottom:0}
.debt-selection-list>li>span{display:grid;place-items:center;width:39px;height:39px;background:#f2f4eb;border:1px solid #e0e6d9;border-radius:50%;font-size:12px;font-weight:600;color:#6a8067;margin-top:3px}
.debt-selection-list h3{font-family:inherit;font-size:16px;font-weight:600;color:#1e3a5f;line-height:1.8}
.debt-selection-list p{font-size:13px;color:#526978;margin-top:8px;max-width:880px}
.debt-public-help{display:flex;align-items:flex-start;gap:18px;background:#e0e8dc;border:1px solid #cedbc8;border-radius:11px;padding:25px 28px;margin-top:25px}
.debt-public-help>svg{width:24px;height:24px;color:#5b735d;flex-shrink:0;margin-top:3px}
.debt-public-help h3{font-family:inherit;font-size:15px;line-height:1.8;font-weight:600;color:#36513f}
.debt-public-help p{font-size:12px;color:#526957;margin-top:7px}
.debt-public-help a{display:inline-flex;align-items:center;gap:5px;font-size:11px;margin-top:12px;color:#314d43;text-decoration:underline;text-underline-offset:3px;line-height:1.8}
.debt-search{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr) auto;gap:18px;align-items:end;padding:27px 28px;background:#e9eee4;border:1px solid #d7e0d2;border-radius:12px}
.debt-search>div{min-width:0}
.debt-search label{display:block;font-size:12px;color:#375244;font-weight:600;margin-bottom:9px}
.debt-search select{width:100%;min-width:0;min-height:49px;padding:10px 12px;border:1px solid #bac9ba;border-radius:7px;background:#fff;color:#1e3a5f;font:inherit;font-size:15px}
.debt-search .btn{min-height:49px}
.debt-prep-heading{display:grid;grid-template-columns:1.4fr 1fr;gap:50px;align-items:center;margin-bottom:30px}
.debt-prep-heading>.debt-section-heading{margin-bottom:0}
.debt-prep-heading figure{margin:0}
.debt-prep-heading img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;border-radius:13px}
.debt-prep-card-heading{display:flex;align-items:center;gap:12px;margin-bottom:17px}
.debt-prep-card-heading .debt-icon{width:37px;height:37px;flex-basis:37px;border-radius:9px}
.debt-prep-card-heading .debt-icon svg{width:19px;height:19px}
.debt-prep-card-heading h3{font-size:16px}
.debt-checklist{margin-top:20px}
.debt-checklist label{display:flex;align-items:flex-start;gap:13px;padding:16px 0;border-top:1px solid #e4e8df;font-size:13px;line-height:1.9;cursor:pointer}
.debt-checklist input{width:19px;height:19px;flex:0 0 19px;margin-top:4px;accent-color:#52705a}
.debt-checklist input:checked+span{color:#60745f}
.debt-progress-track{height:5px;border-radius:4px;background:#e7ece3;margin-top:18px;overflow:hidden}
.debt-progress-track>span{display:block;width:0;height:100%;background:#7f9a76;transition:width .2s}
.debt-check-progress{font-size:11px!important;color:#58704f!important;font-weight:600;margin-top:10px!important}
.debt-questions{list-style:none;counter-reset:question;margin:19px 0 23px}
.debt-questions li{position:relative;counter-increment:question;padding:14px 0 14px 27px;border-top:1px solid #e4e8df;font-size:13px;line-height:1.9;color:#526978}
.debt-questions li::before{content:counter(question,decimal-leading-zero);position:absolute;left:0;top:17px;font-size:10px;color:#ad6b3e}
.debt-faq-list{display:grid;gap:12px}
.debt-faq-list .debt-details{background:#fff}
.debt-sources{margin-top:35px;border-top:1px solid #dfe4de;padding-top:25px;font-size:11px;line-height:1.9;color:#647784;max-width:950px}
.debt-sources h3{font-family:inherit;font-size:12px;font-weight:600;color:#4b6574}
.debt-sources p{margin-top:9px}
.debt-sources ul{padding-left:17px;margin-top:12px}
.debt-sources li+li{margin-top:5px}
.debt-last-cta{display:flex;align-items:center;justify-content:space-between;gap:25px;padding:35px 38px;background:#1e3a5f;border-radius:13px;color:#fff;margin-top:43px}
.debt-last-cta h2{font-size:24px;line-height:1.8}
.debt-last-cta p{font-size:12px;color:#d0dbe5;margin-top:9px}
.debt-last-cta .btn{flex-shrink:0}
@media(max-width:1100px) and (min-width:768px){
.debt-hero-grid{gap:30px;grid-template-columns:1fr 1fr}.debt-hero h1{font-size:32px}
.debt-eyebrow span{display:block;border:0;padding:0;margin:6px 0 0}
.debt-hero-lead{font-size:13px}.debt-desktop-break{display:none}
.debt-hero-visual figcaption{flex-direction:column;gap:2px}
.debt-three-grid{gap:15px}.debt-panel{padding:22px}
.debt-jump>.container{gap:22px;justify-content:flex-start}
.debt-jump a{font-size:11px;gap:6px}
.debt-entry{padding:18px 14px;gap:10px}.debt-entry strong{font-size:12px}
.debt-sim-callout{flex-wrap:wrap}.debt-sim-callout .btn{margin-left:61px}
.debt-search{gap:14px;padding:24px}.debt-search .btn{max-width:240px}
}
@media(max-width:767px){
.debt-guide [id]{scroll-margin-top:135px}
.debt-hero{padding:21px 0 27px}
.debt-breadcrumb{font-size:10px;margin-bottom:30px;gap:8px}
.debt-hero-grid{grid-template-columns:minmax(0,1fr);gap:28px}
.debt-hero-copy{padding:0}
.debt-eyebrow{font-size:9px;letter-spacing:.09em;margin-bottom:17px}
.debt-eyebrow span{font-size:9px;margin-left:10px;padding-left:10px}
.debt-hero h1{font-size:clamp(26px,6.7vw,34px);line-height:1.8}
.debt-hero-lead{font-size:13px;margin-top:16px;line-height:2!important}
.debt-hero-lead br{display:none}
.debt-actions{margin-top:21px;gap:10px}
.debt-actions .btn{min-height:49px;padding-inline:17px;font-size:12px}
.debt-hero-trust{margin-top:20px;gap:9px 12px}
.debt-hero-trust span{font-size:9px}
.debt-hero-note{font-size:10px;margin-top:12px}
.debt-hero-visual img{max-height:330px;border-radius:13px}
.debt-hero-visual figcaption{font-size:9px;padding-top:10px;gap:5px}
.debt-entry-grid{grid-template-columns:1fr;gap:9px;margin-top:25px}
.debt-entry{padding:14px 18px;gap:17px;border-radius:9px}
.debt-entry-number{align-self:center;padding:0}
.debt-entry>div>span{font-size:10px;margin-bottom:2px}
.debt-entry strong{font-size:13px}
.debt-jump a{min-height:56px;font-size:11px;gap:7px}
.debt-jump>.container{gap:24px;justify-content:flex-start}
.debt-section{padding-block:48px}
.debt-section-heading{margin-bottom:24px}
.debt-kicker{font-size:10px;margin-bottom:8px}
.debt-section-heading h2{font-size:25px;line-height:1.8}
.debt-section-heading>p:last-child:not(.debt-kicker){font-size:13px;margin-top:13px}
.debt-three-grid,.debt-two-grid{grid-template-columns:minmax(0,1fr);gap:17px}
.debt-panel{padding:25px;border-radius:12px}
.debt-option{display:grid;grid-template-columns:43px minmax(0,1fr);gap:0 15px;align-items:center}
.debt-option h3{margin:0;font-size:20px}
.debt-option>p,.debt-option>a{grid-column:1/-1}
.debt-option>p{margin-top:17px}
.debt-option>.debt-question{margin-top:20px;padding-top:17px}
.debt-option>a{padding-top:20px}
.debt-source-note{font-size:10px;margin-top:19px}
.debt-sim-callout{padding:22px;gap:13px;flex-wrap:wrap}
.debt-sim-callout>div{flex:1 1 180px}
.debt-sim-callout .btn{width:100%;margin-top:5px}
.debt-sim-callout h3{font-size:14px}
.debt-sim-callout p{font-size:12px}
.debt-fee-card .debt-fee-caption{margin-top:22px}
.debt-fee-card .debt-fee-value{font-size:35px}
.debt-fee-spread{margin-top:17px}
.debt-fee-card .debt-card-top{gap:10px}
.debt-fee-notice{gap:10px;font-size:11px}
.debt-details summary{font-size:12px;padding:17px 44px 17px 18px}
.debt-details>div{padding:0 18px 20px;font-size:12px}
.debt-bullets{font-size:12px}
.debt-review-heading{gap:12px}.debt-review-heading h3{font-size:16px}
.debt-review-panel>.debt-bullets{margin-block:19px}
.debt-editorial-note{grid-template-columns:1fr;gap:10px;padding:22px}
.debt-editorial-note>a{grid-column:auto;margin-top:3px}
.debt-selection-list{padding-inline:22px}
.debt-selection-list>li{grid-template-columns:30px minmax(0,1fr);gap:13px;padding-block:23px}
.debt-selection-list>li>span{width:29px;height:29px;font-size:10px;margin-top:1px}
.debt-selection-list h3{font-size:14px}
.debt-selection-list p{font-size:12px;margin-top:10px}
.debt-public-help{padding:23px 22px;gap:13px}
.debt-public-help>svg{width:20px;height:20px}
.debt-public-help h3{font-size:14px}
.debt-search{grid-template-columns:minmax(0,1fr);gap:18px;padding:24px}
.debt-search select{font-size:16px;min-height:50px}
.debt-search .btn{min-height:50px;margin-top:3px}
.debt-prep-heading{grid-template-columns:1fr;gap:24px;margin-bottom:24px}
.debt-prep-heading figure{max-width:480px}
.debt-prep-heading img{max-height:230px}
.debt-prep-card-heading h3{font-size:15px}
.debt-checklist label{font-size:12px;gap:12px}
.debt-questions li{font-size:12px}
.debt-last-cta{flex-direction:column;align-items:stretch;padding:28px 25px;gap:23px;margin-top:32px}
.debt-last-cta h2{font-size:22px}
}
@media(max-width:540px){
.debt-prep-heading img{aspect-ratio:3/2;max-height:none}
}
@media(max-width:360px){
.debt-eyebrow span{display:block;border:0;padding:0;margin:6px 0 0}
.debt-hero h1{font-size:25px}
.debt-actions{flex-direction:column;align-items:stretch}
.debt-hero-visual figcaption{flex-direction:column;gap:0}
.debt-hero-trust{gap:8px}.debt-hero-trust span{font-size:8px}
.debt-section-heading h2{font-size:23px}
.debt-panel{padding:22px}
.debt-review-heading h3{font-size:14px}
.debt-review-heading .debt-icon{width:35px;height:35px;flex-basis:35px}
.debt-search{padding:21px}
.debt-selection-list{padding-inline:18px}
.debt-selection-list>li{grid-template-columns:27px minmax(0,1fr);gap:10px}
.debt-selection-list>li>span{width:26px;height:26px}
.debt-public-help{display:block}.debt-public-help>svg{margin-bottom:10px}
.debt-prep-card-heading h3{font-size:14px}
.debt-hero-visual img{aspect-ratio:4/3}
}
@media(prefers-reduced-motion:reduce){.debt-guide *{transition:none!important;scroll-behavior:auto!important}}
@media print{
.header,.footer,.scroll-top-btn,.debt-guide>:not(.guide-prepare),.debt-print-btn,.debt-prep-heading figure{display:none!important}
.debt-guide,.guide-prepare{background:#fff;color:#000;border:0}
.guide-prepare>.container{padding:0;max-width:none}
.guide-prepare .debt-prep-heading{display:block;margin-bottom:16px}
.guide-prepare .debt-section-heading h2{font-size:22px;line-height:1.6}
.guide-prepare .debt-section-heading>p{font-size:10px}
.guide-prepare .debt-two-grid{grid-template-columns:1fr 1fr;gap:16px}
.guide-prepare .debt-panel{padding:16px;break-inside:avoid}
.guide-prepare .debt-prep-card-heading .debt-icon{display:none}
.guide-prepare .debt-prep-card-heading h3{font-size:13px}
.guide-prepare .debt-checklist label,.guide-prepare .debt-questions li{font-size:10px;padding-block:10px}
.guide-prepare .debt-questions li::before{top:13px}
.guide-prepare .debt-small{font-size:9px}
}

/* Keep the horizontal mobile contents bar clear while preserving touch scrolling. */
.debt-jump>.container{scrollbar-width:none}
.debt-jump>.container::-webkit-scrollbar{display:none}
.debt-progress-track>span{background:#6b865f}
@media(max-width:360px){.debt-hero-trust span{font-size:9px}}