/* Free debt tools (/tools/debt-free-date/, /tools/rate-rise-check/,
   /tools/buy-now-pay-later-planner/). Standalone pages:
   no site menu, no hero, no forms that send anything. Fonts are the site's own copies. */
@font-face{font-family:'Fredoka';font-style:normal;font-weight:400 700;font-display:swap;src:url('/assets/fonts/fredoka.ttf') format('truetype')}
@font-face{font-family:'Poppins';font-style:normal;font-weight:600;font-display:swap;src:url('/assets/fonts/poppins-600.ttf') format('truetype')}
@font-face{font-family:'Poppins';font-style:normal;font-weight:700;font-display:swap;src:url('/assets/fonts/poppins-700.ttf') format('truetype')}
@font-face{font-family:'Hanken Grotesk';font-style:normal;font-weight:400 700;font-display:swap;src:url('/assets/fonts/hanken.ttf') format('truetype')}

:root{--ink:#130d2a;--ink-2:#0f0a24;--text:#45454f;--muted:#6b6b7b;--line:#e2e2ec;--soft:#f6f6fa;--green:#3cd476;--green-dark:#1f9152;--green-tint:#ecfbf2;--amber:#b45309;--amber-tint:#fff7ea}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--text);font-family:'Hanken Grotesk',system-ui,-apple-system,sans-serif;font-size:17px;line-height:1.6;overflow-x:hidden}
img{max-width:100%;height:auto}
a{color:var(--green-dark)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--green);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--ink);padding:10px 14px;z-index:10;font-weight:700}
.skip:focus{left:12px;top:12px}
.sr{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* risk warning strip (same words as every page on the site) */
.dt-warn{background:var(--ink-2);border-bottom:1px solid rgba(255,255,255,.09);padding:10px 20px}
.dt-warn p{margin:0;text-align:center;color:#fff;font-size:13px;line-height:1.5;font-weight:600}
.dt-warn a{color:var(--green);font-weight:700;text-underline-offset:2px}

/* slim top bar: logo only */
.dt-bar{background:var(--ink);padding:12px 24px}
.dt-bar-in{max-width:1080px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:16px}
.dt-bar a{display:inline-flex;line-height:0}
.dt-bar img{height:46px;width:auto;display:block}
.dt-bar span{color:rgba(255,255,255,.7);font-size:13.5px;font-weight:600;letter-spacing:.02em}

.dt-main{max-width:880px;margin:0 auto;padding:44px 24px 72px}
.dt-eyebrow{display:inline-block;background:var(--green-tint);color:var(--green-dark);font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;padding:6px 12px;border-radius:999px}
.dt-main h1{font-family:'Fredoka',sans-serif;font-weight:700;color:var(--ink);font-size:clamp(36px,6vw,54px);line-height:1.05;letter-spacing:-.01em;margin:16px 0 0}
.dt-lede{font-size:19px;line-height:1.55;color:var(--text);max-width:680px;margin:16px 0 0}
.dt-main h2{font-family:'Poppins',sans-serif;font-weight:700;color:var(--ink);font-size:24px;line-height:1.25;letter-spacing:-.01em;margin:0 0 12px}
.dt-main h3{font-family:'Poppins',sans-serif;font-weight:600;color:var(--ink);font-size:17px;line-height:1.3;margin:0}
.dt-section{margin-top:52px}

/* free help first */
.dt-help{margin-top:30px;border:1.5px solid var(--ink);border-radius:22px;overflow:hidden}
.dt-help-head{background:var(--ink);color:#fff;padding:16px 22px}
.dt-help-head h2{color:#fff;font-size:19px;margin:0}
.dt-help-head p{margin:4px 0 0;color:rgba(255,255,255,.78);font-size:15px;line-height:1.5}
.dt-help-list{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:1px;background:var(--line)}
.dt-help-list li{background:#fff;padding:18px 22px;flex:1 1 240px}
.dt-help-list a{font-family:'Poppins',sans-serif;font-weight:600;font-size:16.5px;color:var(--ink);text-decoration:none;border-bottom:2px solid var(--green)}
.dt-help-list a:hover{color:var(--green-dark)}
.dt-help-list p{margin:6px 0 0;color:var(--muted);font-size:14.5px;line-height:1.5}
.dt-help-list .tel{color:var(--ink);font-weight:700;white-space:nowrap}

/* the calculator card */
.dt-card{margin-top:52px;background:var(--soft);border-radius:26px;padding:30px}
.dt-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.dt-field label,.dt-field .lbl{display:block;font-weight:700;color:var(--ink);font-size:15.5px;margin:0 0 6px}
.dt-hint{display:block;color:var(--muted);font-size:13.5px;line-height:1.45;margin:6px 0 0}
.dt-input{position:relative}
.dt-input input,.dt-input select{width:100%;height:54px;border:1.5px solid #cfcfdc;border-radius:14px;background:#fff;color:var(--ink);font:600 18px/1 'Hanken Grotesk',system-ui,sans-serif;padding:0 14px}
.dt-input select{appearance:none;-webkit-appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--ink) 50%),linear-gradient(135deg,var(--ink) 50%,transparent 50%);background-position:calc(100% - 20px) 24px,calc(100% - 14px) 24px;background-size:6px 6px;background-repeat:no-repeat;padding-right:36px;font-size:16px}
.dt-input.pre input{padding-left:32px}
.dt-input.post input{padding-right:36px}
.dt-input .u{position:absolute;top:0;bottom:0;display:flex;align-items:center;color:var(--muted);font-weight:700;pointer-events:none}
.dt-input.pre .u{left:14px}
.dt-input.post .u{right:14px}
.dt-input input:focus,.dt-input select:focus{border-color:var(--ink)}
.dt-input input::placeholder{color:#a3a3b2;font-weight:500;font-size:15px;opacity:1}
.dt-input input[aria-invalid="true"]{border-color:#c2410c;background:#fff8f5}
.dt-err{display:block;color:#b42318;font-size:14px;font-weight:600;margin:6px 0 0}
.dt-err:empty{display:none}
.dt-actions{display:flex;flex-wrap:wrap;align-items:center;gap:14px 20px;margin-top:22px}
.dt-btn{appearance:none;border:0;cursor:pointer;background:var(--ink);color:#fff;font:700 16px/1 'Hanken Grotesk',system-ui,sans-serif;padding:16px 26px;border-radius:999px}
.dt-btn:hover{background:#261c4d}
.dt-link-btn{appearance:none;border:0;background:none;padding:6px 0;cursor:pointer;color:var(--green-dark);font:700 15.5px/1.2 'Hanken Grotesk',system-ui,sans-serif;text-decoration:underline;text-underline-offset:3px}
.dt-note{color:var(--muted);font-size:14px;line-height:1.5;margin:14px 0 0}

/* results */
.dt-results{margin-top:28px}
.dt-results[hidden]{display:none}
.dt-results h2{outline:none}
.dt-cols{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.dt-col{background:#fff;border:1.5px solid var(--line);border-radius:20px;padding:22px}
.dt-col.is-min{border-color:#f0c48a}
.dt-col.is-fixed{border-color:var(--green)}
.dt-tag{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;border-radius:999px;padding:5px 10px}
.is-min .dt-tag{background:var(--amber-tint);color:var(--amber)}
.is-fixed .dt-tag{background:var(--green-tint);color:var(--green-dark)}
.dt-col h3{margin-top:12px}
.dt-big{font-family:'Fredoka',sans-serif;font-weight:700;color:var(--ink);font-size:clamp(30px,4.4vw,40px);line-height:1.05;margin:10px 0 0}
.dt-sub{color:var(--muted);font-size:14.5px;margin:4px 0 0}
.dt-dl{margin:16px 0 0;display:grid;grid-template-columns:1fr auto;gap:8px 12px;font-size:15.5px}
.dt-dl dt{color:var(--text)}
.dt-dl dd{margin:0;font-weight:700;color:var(--ink);text-align:right}
.dt-bars{margin-top:22px;background:#fff;border:1.5px solid var(--line);border-radius:20px;padding:22px}
.dt-bars h3{margin-bottom:14px}
.dt-bar-row{display:grid;grid-template-columns:150px 1fr;align-items:center;gap:12px;margin:10px 0}
.dt-bar-row .k{font-size:14.5px;font-weight:600;color:var(--text)}
.dt-track{background:var(--soft);border-radius:999px;height:30px;position:relative;overflow:hidden}
.dt-fill{height:100%;border-radius:999px;min-width:6px}
.dt-fill.min{background:#f5b45d}
.dt-fill.fixed{background:var(--green)}
.dt-bar-row .v{display:block;font-size:14px;font-weight:700;color:var(--ink);margin-top:4px}
.dt-callout{margin-top:22px;background:var(--ink);color:#fff;border-radius:20px;padding:22px 24px}
.dt-callout p{margin:0;font-size:17px;line-height:1.55}
.dt-callout strong{color:var(--green)}
.dt-warnbox{margin-top:18px;background:var(--amber-tint);border:1.5px solid #f0c48a;border-radius:16px;padding:16px 18px;color:#5b3505;font-size:15.5px}
.dt-warnbox p{margin:0}

/* rate-rise table and debt rows */
.dt-debts{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:14px}
.dt-debt{background:#fff;border:1.5px solid var(--line);border-radius:18px;padding:16px 18px}
.dt-debt fieldset{border:0;margin:0;padding:0;min-width:0}
.dt-debt legend{font-family:'Poppins',sans-serif;font-weight:600;color:var(--ink);font-size:15.5px;padding:0;margin:0 0 10px;float:left;width:100%}
.dt-debt-grid{clear:both;display:grid;grid-template-columns:1.15fr 1fr .9fr 1.45fr;gap:12px;align-items:start}
.dt-debt .dt-field label,.dt-debt .dt-field .lbl{font-size:14px}
.dt-debt .dt-input input,.dt-debt .dt-input select{height:48px;font-size:16.5px}
.dt-debt .dt-input select{font-size:15.5px;background-position:calc(100% - 20px) 21px,calc(100% - 14px) 21px}
.dt-seg{display:flex;border:1.5px solid #cfcfdc;border-radius:12px;overflow:hidden;height:48px;background:#fff}
.dt-seg label{flex:1;display:flex;align-items:center;justify-content:center;text-align:center;line-height:1.2;padding:0 8px;margin:0;font-size:14px;font-weight:700;color:var(--muted);cursor:pointer;position:relative}
.dt-seg label+label{border-left:1.5px solid #cfcfdc}
.dt-seg input{position:absolute;opacity:0;width:1px;height:1px}
.dt-seg input:checked+span{color:var(--ink)}
.dt-seg label:has(input:checked){background:var(--green-tint);color:var(--ink)}
.dt-seg label:has(input:focus-visible){outline:3px solid var(--green);outline-offset:-3px}
.dt-remove{margin-top:10px}
.dt-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1.5px solid var(--line);border-radius:18px;background:#fff}
.dt-table{width:100%;border-collapse:collapse;font-size:15px;min-width:560px}
.dt-table th,.dt-table td{padding:12px 14px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
.dt-table th:first-child,.dt-table td:first-child{text-align:left;white-space:normal}
.dt-table thead th{font-family:'Poppins',sans-serif;font-weight:600;color:var(--ink);font-size:13.5px;background:var(--soft)}
.dt-table tfoot td{font-weight:700;color:var(--ink);border-bottom:0}
.dt-table .muted{color:var(--muted);font-size:13px;font-weight:500;display:block}
.dt-pill{display:inline-block;font-size:12px;font-weight:700;border-radius:999px;padding:3px 8px;margin-left:6px;vertical-align:1px}
.dt-pill.var{background:var(--amber-tint);color:var(--amber)}
.dt-pill.fix{background:var(--soft);color:var(--muted)}
.dt-stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-bottom:18px}
.dt-stat{background:#fff;border:1.5px solid var(--line);border-radius:18px;padding:18px}
.dt-stat .k{font-size:14px;color:var(--muted);font-weight:600}
.dt-stat .n{font-family:'Fredoka',sans-serif;font-weight:700;color:var(--ink);font-size:30px;line-height:1.1;margin-top:6px}
.dt-stat .s{font-size:13.5px;color:var(--muted);margin-top:2px}
.dt-stat.up .n{color:var(--amber)}
.dt-order{margin:18px 0 0;padding:0;list-style:none;counter-reset:o;display:flex;flex-direction:column;gap:10px}
.dt-order li{counter-increment:o;background:#fff;border:1.5px solid var(--line);border-radius:16px;padding:14px 16px 14px 58px;position:relative;font-size:15.5px}
.dt-order li::before{content:counter(o);position:absolute;left:16px;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:50%;background:var(--ink);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:15px}
.dt-order li:first-child{border-color:var(--green)}
.dt-order li:first-child::before{background:var(--green);color:var(--ink)}
.dt-order strong{color:var(--ink)}

/* prose sections */
.dt-prose p{margin:0 0 14px}
.dt-prose ul{margin:0 0 14px;padding-left:22px}
.dt-prose li{margin:6px 0}
.dt-sources{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.dt-sources li{border-left:3px solid var(--green);padding:2px 0 2px 14px;font-size:15.5px}
.dt-sources a{font-weight:600;text-underline-offset:2px}
.dt-sources span{display:block;color:var(--muted);font-size:14px}
.dt-checked{color:var(--muted);font-size:14.5px;margin:14px 0 0}
.dt-about{margin-top:52px;border-top:1.5px solid var(--line);padding-top:24px;color:var(--muted);font-size:15px}
.dt-about p{margin:0 0 8px}
.dt-other{margin-top:18px;font-size:15.5px}

/* small footer: regulatory identity copied from the site footer */
.dt-foot{background:var(--ink-2);padding:34px 24px 30px}
.dt-foot-in{max-width:880px;margin:0 auto}
.dt-foot p{color:rgba(255,255,255,.5);font-size:12.5px;line-height:1.7;margin:0 0 12px}
.dt-foot a{color:rgba(255,255,255,.72);text-underline-offset:2px}
.dt-foot-links{display:flex;flex-wrap:wrap;gap:8px 18px;margin:0 0 18px;padding:0;list-style:none}
.dt-foot-links a{font-size:13.5px;color:rgba(255,255,255,.72);text-decoration:none}
.dt-foot-links a:hover{color:#fff;text-decoration:underline}

@media (max-width:600px){
  .dt-table{min-width:0}
  .dt-table thead{display:none}
  .dt-table tr{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-bottom:1px solid var(--line)}
  .dt-table tbody tr:last-child{border-bottom:1px solid var(--line)}
  .dt-table tfoot tr{border-bottom:0}
  .dt-table th,.dt-table td{border-bottom:0;text-align:left;white-space:normal;padding:4px 14px 12px}
  .dt-table th[scope=row],.dt-table tfoot td:first-child{grid-column:1 / -1;padding:14px 14px 6px}
  .dt-table td[data-label]::before{content:attr(data-label);display:block;font-size:12px;color:var(--muted);font-weight:600;margin-bottom:2px}
}
@media (max-width:760px){
  .dt-main{padding:30px 18px 56px}
  .dt-lede{font-size:17.5px}
  .dt-card{padding:20px 16px;border-radius:22px;margin-top:40px}
  .dt-grid{grid-template-columns:1fr;gap:16px}
  .dt-cols{grid-template-columns:1fr}
  .dt-bar-row{grid-template-columns:1fr;gap:4px}
  .dt-debt-grid{grid-template-columns:1fr}
  .dt-debt-grid .span2{grid-column:1 / -1}
  .dt-stats{grid-template-columns:1fr}
  .dt-help-list li{padding:16px 18px}
  .dt-bar{padding:10px 18px}
  .dt-bar img{height:40px}
  .dt-section{margin-top:44px}
}
/* buy now pay later planner */
.dt-field .opt{font-weight:500;color:var(--muted)}
#bnp-payday[aria-invalid="true"]{border-color:#c2410c;background-color:#fff8f5}
.bnp-grid{grid-template-columns:repeat(6,minmax(0,1fr));align-items:end}
.bnp-grid>.dt-field:nth-child(-n+3){grid-column:span 2}
.bnp-grid>.dt-field:nth-child(n+4){grid-column:span 3}
.dt-debt .dt-input input[type=date]{font-size:16px;padding-right:10px;min-width:0;-webkit-appearance:none;appearance:none;display:flex;align-items:center}
.dt-input input[type=date]::-webkit-date-and-time-value{text-align:left}
.bnp-pay-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.bnp-stats .n.bnp-n-date{font-size:26px}
.bnp-key{display:flex;align-items:flex-start;gap:10px;margin:0 0 14px;font-size:15px;color:var(--text)}
.bnp-dot{flex:none;width:14px;height:14px;border-radius:4px;background:#f5b45d;margin-top:5px}
.bnp-months{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.bnp-month{background:#fff;border:1.5px solid var(--line);border-radius:18px;padding:18px 20px}
.bnp-month.is-tight{border-color:#f0c48a;box-shadow:inset 6px 0 0 #f5b45d}
.bnp-month-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px 18px;flex-wrap:wrap}
.bnp-month-head h3{font-size:18px}
.bnp-range{margin:2px 0 0;color:var(--muted);font-size:14px}
.bnp-month-total{text-align:right;display:flex;flex-direction:column;align-items:flex-end;gap:2px}
.bnp-tag{background:var(--amber-tint);color:var(--amber);margin-bottom:4px}
.bnp-amt{font-family:'Fredoka',sans-serif;font-weight:700;color:var(--ink);font-size:28px;line-height:1.05}
.is-tight .bnp-amt{color:var(--amber)}
.bnp-share{font-size:13.5px;color:var(--muted);font-weight:600}
.bnp-pays{list-style:none;margin:14px 0 0;padding:0;border-top:1px solid var(--line)}
.bnp-pays li{display:grid;grid-template-columns:190px 1fr auto;gap:4px 14px;padding:10px 0;border-bottom:1px solid var(--line);font-size:15px;align-items:baseline}
.bnp-pays .d{color:var(--text);font-weight:600}
.bnp-pays .w{color:var(--ink);font-weight:600;min-width:0;overflow-wrap:anywhere}
.bnp-pays .muted{color:var(--muted);font-weight:500;font-size:13.5px;white-space:nowrap}
.bnp-pays .a{font-weight:700;color:var(--ink);text-align:right}
.bnp-none{margin:12px 0 0;color:var(--muted);font-size:15px}
.bnp-left{margin:12px 0 0;font-size:14.5px;color:var(--muted)}
.bnp-left strong{color:var(--ink)}
.bnp-plan-list{margin:10px 0 0;padding-left:20px;font-size:15.5px}
.bnp-plan-list li{margin:6px 0;overflow-wrap:anywhere}
@media (max-width:760px){
  .bnp-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .bnp-grid>.dt-field:nth-child(-n+2),.bnp-grid>.dt-field:nth-child(5){grid-column:1 / -1}
  .bnp-grid>.dt-field:nth-child(3),.bnp-grid>.dt-field:nth-child(4){grid-column:span 1}
  .bnp-pay-grid{grid-template-columns:1fr}
  .bnp-month{padding:16px}
  .bnp-pays li{grid-template-columns:1fr auto}
  .bnp-pays .d{grid-column:1 / -1;font-size:13.5px;color:var(--muted)}
  .bnp-amt{font-size:24px}
  .bnp-month-total{width:100%;text-align:left;align-items:flex-start}
}
/* photos: hero beside the heading, one spot picture in a later section (decorative, alt="") */
.dt-hero{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:36px;align-items:center}
.dt-hero h1{font-size:clamp(34px,4.6vw,46px)}
.dt-hero-pic,.dt-spot{margin:0;line-height:0}
.dt-hero-pic img,.dt-spot img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;border-radius:22px;background:var(--soft)}
.dt-section.has-spot{display:flow-root}
.dt-spot{float:right;width:320px;margin:4px 0 18px 30px}
.dt-spot img{border-radius:18px}
@media (max-width:860px){
  .dt-hero{grid-template-columns:1fr;gap:0}
  .dt-hero-pic{margin-top:24px}
}
@media (max-width:760px){
  .dt-hero-pic img{border-radius:18px}
  .dt-spot{float:none;width:100%;margin:0 0 20px}
}
@media print{.dt-bar,.dt-actions,.dt-foot-links,.dt-hero-pic,.dt-spot{display:none}.dt-card{background:#fff;padding:0}}