:root{--navy:#071723;--navy2:#0b2432;--cream:#f7f3ea;--paper:#fffdf8;--gold:#c9a35b;--gold2:#e2c98e;--ink:#14232d;--muted:#667680;--line:#e3e1d9;--danger:#8f3d31;--good:#335f4b;--shadow:0 18px 60px rgba(7,23,35,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.5}.site-header{position:sticky;top:0;z-index:10;background:rgba(247,243,234,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(20,35,45,.08);display:flex;align-items:center;gap:26px;justify-content:space-between;padding:12px clamp(16px,4vw,46px)}.brand img{display:block;width:min(215px,48vw);height:auto}.progress-shell{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:12px;letter-spacing:.08em;text-transform:uppercase;min-width:min(300px,40vw)}.progress-track{height:5px;background:#dedbd3;border-radius:99px;flex:1;overflow:hidden}.progress-bar{height:100%;width:12.5%;background:var(--gold);transition:width .25s ease}.shell{max-width:920px;margin:0 auto;padding:clamp(38px,7vw,74px) clamp(18px,4vw,40px) 80px}.screen{display:none}.screen.active{display:block}.kicker{font-size:12px;letter-spacing:.18em;text-transform:uppercase;font-weight:800;color:#8c6a2f;margin-bottom:12px}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.05;margin:0}h1{font-size:clamp(42px,7vw,78px);max-width:820px}h2{font-size:clamp(34px,5.5vw,58px);max-width:800px}h3{font-size:28px}.lede{font-size:clamp(19px,2.5vw,25px);max-width:720px;color:#3d4b53;margin:24px 0}.sub{font-size:18px;max-width:740px;color:var(--muted);margin:18px 0 28px}.callout{border-left:4px solid var(--gold);padding:15px 18px;background:rgba(255,253,248,.75);margin:28px 0;color:#33434c}.field{display:flex;flex-direction:column;gap:8px;margin:20px 0}.field>span{font-weight:800;color:var(--navy)}.field small,.money-row small{font-weight:400;color:var(--muted)}input,select,textarea{width:100%;border:1px solid #cfd1ce;border-radius:10px;background:var(--paper);color:var(--ink);padding:14px 15px;font:inherit;font-size:17px;outline:none;transition:border-color .18s,box-shadow .18s}input:focus,select:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,163,91,.16)}textarea{resize:vertical}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 24px}.field.wide{grid-column:1/-1}.money-input{display:flex;align-items:center;border:1px solid #cfd1ce;border-radius:10px;background:var(--paper);overflow:hidden}.money-input:focus-within{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,163,91,.16)}.money-input b{padding-left:14px;color:#8c6a2f}.money-input input{border:0;box-shadow:none!important;background:transparent}.choice-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:32px 0}.choice-grid.single{grid-template-columns:1fr}.choice{appearance:none;text-align:left;border:1px solid var(--line);border-radius:15px;background:var(--paper);padding:20px;min-height:112px;cursor:pointer;color:var(--ink);font:inherit;transition:.16s ease}.choice strong{display:block;color:var(--navy);font-size:18px;margin-bottom:5px}.choice span{color:var(--muted)}.choice:hover{border-color:#bca36d;transform:translateY(-1px)}.choice.selected{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,163,91,.15);background:#fffaf0}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}.actions.split{justify-content:space-between}.btn{border:0;border-radius:10px;min-height:48px;padding:13px 20px;font-weight:800;font-size:16px;cursor:pointer}.btn.primary{background:var(--navy);color:white}.btn.primary:hover{background:var(--navy2)}.btn.primary:disabled{opacity:.38;cursor:not-allowed}.btn.ghost{background:transparent;border:1px solid #c8cac8;color:var(--navy)}.cost-list{margin:28px 0;border-top:1px solid var(--line)}.money-row{display:grid;grid-template-columns:minmax(0,1fr) 210px;align-items:center;gap:18px;padding:16px 0;border-bottom:1px solid var(--line)}.money-row strong,.money-row small{display:block}.money-row small{margin-top:3px}.truth-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:30px 0}.metric{background:var(--paper);border:1px solid var(--line);border-radius:13px;padding:18px;min-width:0}.metric.hero{background:var(--navy);color:white;border-color:var(--navy)}.metric span{font-size:11px;letter-spacing:.12em;font-weight:800;color:#8c6a2f}.metric.hero span,.metric.hero small{color:#e8d2a4}.metric strong{display:block;font-family:Georgia,'Times New Roman',serif;font-size:clamp(25px,4vw,38px);line-height:1.05;margin:8px 0;color:var(--navy);word-break:break-word}.metric.hero strong{color:white}.metric small{color:var(--muted)}.diagnosis{background:var(--paper);border-left:5px solid var(--gold);padding:18px 20px;border-radius:0 12px 12px 0;font-size:18px}.privacy-box{background:#ece9e0;border-radius:12px;padding:16px 18px;margin-top:24px}.consent{display:grid;grid-template-columns:22px 1fr;gap:12px;align-items:start}.consent input{width:20px;height:20px;margin-top:2px}.plan-diagnosis{font-size:22px;color:#364650;max-width:760px;margin:20px 0 28px}.plan-layout{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.plan-card{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:20px}.plan-card.moves{grid-column:1/-1}.card-label{font-size:11px;letter-spacing:.14em;color:#8c6a2f;font-weight:900}.plan-card p{font-size:17px;margin:10px 0 0}.plan-card ol{margin:12px 0 0;padding-left:22px}.plan-card li{margin:9px 0;padding-left:4px}.decision-card{background:var(--navy);color:white;border-radius:16px;padding:26px;margin-top:16px}.decision-card span{font-size:11px;letter-spacing:.16em;color:var(--gold2);font-weight:900}.decision-card h3{color:white;margin:8px 0 10px;font-size:clamp(28px,4vw,42px)}.decision-card p{color:#dbe3e8;margin:0;font-size:17px}.disclaimer{font-size:12px;color:var(--muted);margin-top:18px}.hidden{display:none!important}footer{background:var(--navy);color:#e6d3a7;text-align:center;padding:26px 18px;font-family:Georgia,'Times New Roman',serif;font-size:17px}
@media(max-width:700px){.site-header{align-items:flex-start;flex-direction:column;gap:10px}.progress-shell{width:100%;min-width:0}.choice-grid,.form-grid,.truth-grid,.plan-layout{grid-template-columns:1fr}.money-row{grid-template-columns:1fr}.plan-card.moves{grid-column:auto}.shell{padding-top:40px}.actions.split{justify-content:stretch}.actions.split .btn{flex:1}.brand img{width:185px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

.focus-instruction{margin-top:14px;margin-bottom:0}.choice{position:relative;padding-right:56px}.choice.selected::after{content:'✓';position:absolute;right:18px;top:18px;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:var(--navy);font-weight:900}.selection-status{margin:2px 0 0;color:var(--muted);font-size:14px;font-weight:700}.choice[aria-pressed="true"]{outline:none}

.cost-helper{margin:0 0 24px;padding:15px 17px;border-left:4px solid var(--gold);background:rgba(255,253,248,.8);color:#41515a;border-radius:0 10px 10px 0}.cost-helper strong{display:block;color:var(--navy);margin-bottom:3px}.cost-category{border-bottom:1px solid var(--line)}.cost-category .money-row{border-bottom:0}.cost-entry{display:flex;flex-direction:column;gap:8px}.breakdown-toggle,.add-cost-item,.remove-cost-item{appearance:none;border:0;background:transparent;color:#8c6a2f;font:inherit;font-weight:800;cursor:pointer;text-align:left;padding:2px 0}.breakdown-toggle:hover,.add-cost-item:hover,.remove-cost-item:hover{text-decoration:underline}.cost-category[data-mode="items"] .money-input:has(input[data-cost]){background:#f1eee6}.cost-category[data-mode="items"] input[data-cost]{color:#59666d}.cost-breakdown{padding:0 0 18px 0}.cost-breakdown-head{display:flex;justify-content:space-between;gap:12px;padding:2px 0 12px}.cost-breakdown-head strong,.cost-breakdown-head small{display:block}.cost-breakdown-head strong{color:var(--navy)}.cost-breakdown-head small{color:var(--muted);margin-top:2px}.cost-item-list{display:flex;flex-direction:column;gap:9px}.cost-item-row{display:grid;grid-template-columns:minmax(150px,1fr) 145px 170px auto;gap:8px;align-items:center}.money-input.compact b{padding-left:10px}.money-input.compact input{padding:11px 10px}.cost-item-row input,.cost-item-row select{font-size:15px;padding:11px 10px}.remove-cost-item{font-size:13px;color:#786d61}.cost-breakdown-actions{display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;margin-top:10px}.cost-breakdown-summary{font-size:13px;color:var(--muted);font-weight:700}.partial-cost-note{margin:18px 0 0;padding:13px 15px;border:1px solid #d7c28f;background:#fff9ea;border-radius:10px;color:#5d4d28;font-size:14px;font-weight:700}
@media(max-width:700px){.cost-item-row{grid-template-columns:minmax(0,1fr) 120px}.cost-item-row .cost-item-frequency{grid-column:1/2}.cost-item-row .remove-cost-item{grid-column:2/3}.cost-entry{width:100%}.breakdown-toggle{padding:6px 0 0}}


.attack-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:28px 0}.attack-route{appearance:none;text-align:left;border:1px solid var(--line);border-radius:16px;background:var(--paper);padding:20px;cursor:pointer;color:var(--ink);font:inherit;position:relative;min-width:0;transition:.16s ease}.attack-route:hover{border-color:#bca36d;transform:translateY(-1px)}.attack-route.selected{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,163,91,.15);background:#fffaf0}.attack-route.selected::after{content:'✓';position:absolute;right:16px;top:16px;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:var(--navy);font-weight:900}.attack-route .route-kicker{font-size:11px;letter-spacing:.12em;color:#8c6a2f;font-weight:900;text-transform:uppercase}.attack-route h3{font-size:25px;margin:8px 40px 8px 0}.attack-route p{margin:0;color:#4b5961}.route-money{display:flex;flex-wrap:wrap;gap:7px;margin:15px 0 10px}.route-money span{border:1px solid #ded9ce;background:#f8f4ea;border-radius:999px;padding:6px 9px;font-size:13px;font-weight:800;color:#3f4d55}.route-eta{display:block;margin-top:10px;color:var(--navy);font-weight:800}.route-tradeoff{display:block;margin-top:7px;color:var(--muted);font-size:13px}.attack-route.fast{border-style:dashed}.unlock-card{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(260px,.8fr);gap:24px;align-items:start;background:var(--navy);color:white;border-radius:18px;padding:26px;margin-top:30px}.unlock-card h3{color:white;font-size:clamp(28px,4vw,40px)}.unlock-card p{color:#dbe3e8}.unlock-card .kicker{color:var(--gold2)}.founding-price{display:flex;align-items:baseline;gap:10px;margin-top:18px}.founding-price strong{font-family:Georgia,'Times New Roman',serif;font-size:36px;color:white}.founding-price span{font-size:13px;color:#d9c79f;text-transform:uppercase;letter-spacing:.08em}.unlock-action{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:18px}.unlock-action .consent{color:#eef2f4;font-size:14px}.unlock-action .consent input{accent-color:var(--gold)}.btn.execute{width:100%;margin-top:18px;background:var(--gold);color:var(--navy);font-size:17px;letter-spacing:.02em}.btn.execute:hover{background:var(--gold2)}.btn.execute:disabled{opacity:.38;cursor:not-allowed}.unlock-action small{display:block;text-align:center;color:#c7d0d5;margin-top:8px}.chosen-attack{background:#fff8e9;border:1px solid #dcc591;border-radius:15px;padding:20px;margin:24px 0}.chosen-attack h3{font-size:30px;margin:8px 0}.chosen-attack p{margin:0;color:#4e5b63;font-size:17px}
@media(max-width:700px){.attack-grid,.unlock-card{grid-template-columns:1fr}.unlock-card{padding:20px}.attack-route h3{font-size:23px}}

/* Mobile safety: keep destructive actions away from native select tap-through zones. */
.remove-cost-item.armed{color:#9d342e;text-decoration:underline}.remove-cost-item{min-height:40px;touch-action:manipulation}
@media(max-width:700px){
  .cost-item-row .remove-cost-item{grid-column:1/-1;justify-self:start;margin-top:-2px;padding:7px 4px 3px;font-size:12px}
  .income-row .remove-cost-item,.cheque-row .remove-cost-item{grid-column:1/-1;justify-self:start;padding:7px 4px 3px;font-size:12px}
}
/* Debt detail rows: connect the amount owed to the minimum payment without asking twice. */
.debt-item-row{grid-template-columns:minmax(150px,1.2fr) minmax(130px,.8fr) minmax(125px,.75fr) minmax(140px,.8fr) minmax(135px,.75fr) auto;align-items:end}
.debt-item-field{display:flex;flex-direction:column;gap:5px;min-width:0}
.debt-item-field>small{font-size:11px;line-height:1.2;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.debt-item-field>input,.debt-item-field>select{width:100%}
.debt-item-field .money-input{width:100%}.debt-estimate-note{display:block;margin-top:5px!important;font-size:11px!important;line-height:1.35!important;text-transform:none!important;letter-spacing:0!important;color:#7d6a3c!important;font-weight:700!important}
@media(max-width:700px){
  .debt-item-row{grid-template-columns:1fr 1fr;gap:10px 8px;padding:8px 0 12px;border-bottom:1px dashed var(--line)}
  .debt-item-row .debt-name{grid-column:1/-1}
  .debt-item-row .debt-type-field{grid-column:1/-1}
  .debt-item-row .debt-frequency-field{grid-column:1/-1}
  .debt-item-row .remove-cost-item{grid-column:1/-1}
}

/* Position screen debt recap: debt is entered once, then carried forward. */
.debt-recap{margin:26px 0;padding:22px;background:var(--paper);border:1px solid var(--line);border-radius:16px}
.debt-recap h3{font-size:28px;margin-bottom:16px}.debt-recap-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.debt-recap-list li{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:2px 16px;padding:13px 0;border-bottom:1px solid var(--line);align-items:baseline}
.debt-recap-list li span{font-weight:800;color:var(--navy)}.debt-recap-list li strong{font-family:Georgia,'Times New Roman',serif;font-size:21px;color:var(--navy)}
.debt-recap-list li small{grid-column:1/-1;color:var(--muted)}.debt-recap-total{display:flex;justify-content:space-between;gap:16px;align-items:baseline;padding-top:16px}
.debt-recap-total span{font-weight:800}.debt-recap-total strong{font-family:Georgia,'Times New Roman',serif;font-size:30px;color:var(--navy)}.debt-recap-note{color:var(--muted);margin:12px 0 0}
@media(max-width:700px){.debt-recap{padding:18px}.debt-recap-list li{grid-template-columns:1fr}.debt-recap-list li strong{margin-top:2px}.debt-recap-total{align-items:flex-start;flex-direction:column;gap:2px}}

.purchase-return{background:#102a38;color:#f8efd8;border-left:4px solid #c9a35b;border-radius:12px;padding:16px 20px;margin:0 0 22px;line-height:1.6}
.purchase-return strong{color:#e2c98e}