*{margin:0;padding:0;box-sizing:border-box}:root{--primary: #1a3a5f;--secondary: #2c5282;--accent: #0d9e6d;--light: #f8f9fa;--dark: #121212;--gray: #6c757d;--light-gray: #e9ecef;--border-radius: 8px;--box-shadow: 0 5px 15px rgba(0, 0, 0, .08);--transition: all .3s ease}body{font-family:Inter,sans-serif;color:var(--dark);background-color:#f5f7fa;line-height:1.6}#root{display:flex;flex-direction:column;min-height:100vh}main{flex-grow:1}h1,h2,h3,h4,h5{font-family:Playfair Display,serif;font-weight:700;color:var(--primary);margin-bottom:1rem}.container{width:100%;max-width:1200px;margin:0 auto;padding:0 20px}.btn{display:inline-block;padding:12px 28px;background-color:var(--accent);color:#fff;border-radius:var(--border-radius);text-decoration:none;font-weight:600;transition:var(--transition);border:none;cursor:pointer;font-size:1rem}.btn:hover{background-color:#0b8a5e;transform:translateY(-2px);box-shadow:0 8px 20px #0d9e6d4d}.btn-outline{background:transparent;border:2px solid var(--accent);color:var(--accent)}.btn-outline:hover{background-color:var(--accent);color:#fff}header{background-color:#fff;box-shadow:0 2px 10px #0000000d;position:sticky;top:0;z-index:1000}.header-container{display:flex;justify-content:space-between;align-items:center;padding:20px 0}.logo{font-family:Playfair Display,serif;font-size:1.8rem;font-weight:800;color:var(--primary);text-decoration:none}.logo span{color:var(--accent)}nav ul{display:flex;list-style:none;gap:30px}nav a{text-decoration:none;color:var(--dark);font-weight:500;transition:var(--transition);position:relative;padding:5px 0}nav a:hover{color:var(--accent)}nav a:after{content:"";position:absolute;bottom:-5px;left:0;width:0;height:2px;background-color:var(--accent);transition:var(--transition)}nav a.active:after,nav a:hover:after{width:100%}.header-actions{display:flex;gap:15px;align-items:center}.mobile-nav-toggle{display:none;background:transparent;border:none;font-size:1.8rem;color:var(--primary);cursor:pointer;z-index:1001}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border-width:0}.hero{background:linear-gradient(135deg,#1a3a5f,#2c5282);color:#fff;padding:80px 0;position:relative;overflow:hidden;text-align:center}.hero:before{content:"";position:absolute;top:0;left:0;width:100%;height:100%;background:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" preserveAspectRatio="none"><polygon points="0,0 100,100 0,100" fill="rgba(255,255,255,0.05)"/></svg>');background-size:cover;opacity:.5}.hero-content{position:relative;max-width:750px;margin:0 auto}.hero h1{font-size:3.2rem;color:#fff;margin-bottom:20px;line-height:1.2}.hero p{font-size:1.2rem;margin-bottom:30px;opacity:.9;max-width:600px;margin-left:auto;margin-right:auto}.hero-btns{display:flex;gap:15px;justify-content:center}.section{padding:80px 0}.section-alt{background-color:#fff}.section-title{text-align:center;margin-bottom:60px;position:relative}.section-title h2{font-size:2.5rem;display:inline-block;position:relative;padding-bottom:15px}.section-title h2:after{content:"";position:absolute;bottom:0;left:50%;transform:translate(-50%);width:80px;height:4px;background-color:var(--accent);border-radius:2px}.section-title p{max-width:600px;margin:1rem auto 0;color:var(--gray)}.feature-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:30px}.feature-card{background:#fff;padding:2.5rem 2rem;border-radius:var(--border-radius);text-align:center;box-shadow:var(--box-shadow);border:1px solid var(--light-gray);transition:var(--transition)}.feature-card:hover{transform:translateY(-5px);box-shadow:0 10px 20px #0000001a}.feature-card-icon{font-size:2.5rem;color:var(--accent);margin-bottom:1.5rem;display:inline-block}.feature-card h3{font-size:1.3rem;color:var(--primary);font-family:Inter,sans-serif;font-weight:600}.feature-card p{color:var(--gray)}.steps-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:30px;text-align:center}.step-card{background:#fff;padding:2rem;border-radius:var(--border-radius);box-shadow:var(--box-shadow);border:1px solid var(--light-gray)}.step-number{width:50px;height:50px;background-color:var(--accent);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.8rem;font-weight:700;margin:0 auto 1.5rem;font-family:Playfair Display,serif}.step-card h3{font-size:1.3rem;font-family:Inter,sans-serif;font-weight:600}.step-card p{color:var(--gray)}.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:30px}.testimonial-card{background:#fff;padding:2rem;border-radius:var(--border-radius);box-shadow:var(--box-shadow);border-left:5px solid var(--accent);position:relative}.testimonial-card i.fa-quote-left{position:absolute;top:1.5rem;left:1.5rem;font-size:2.5rem;color:var(--accent);opacity:.15}.testimonial-quote{font-style:italic;color:var(--gray);margin-bottom:1.5rem;position:relative;z-index:1}.testimonial-author{font-weight:600;color:var(--primary);text-align:right}.articles-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:30px;margin-bottom:60px}.article-card{background:#fff;border-radius:var(--border-radius);overflow:hidden;box-shadow:var(--box-shadow);transition:var(--transition);display:flex;flex-direction:column}.article-card:hover{transform:translateY(-10px);box-shadow:0 15px 30px #0000001a}.article-img{height:200px;background-color:var(--light-gray);display:flex;align-items:center;justify-content:center;color:var(--gray);font-size:3rem;background:var(--primary)}.article-img i{color:var(--accent);opacity:.8}.article-content{padding:25px;display:flex;flex-direction:column;flex-grow:1}.article-category{display:inline-block;background-color:#0d9e6d1a;color:var(--accent);padding:5px 12px;border-radius:20px;font-size:.85rem;font-weight:600;margin-bottom:15px;align-self:flex-start}.article-card h3{font-size:1.4rem;margin-bottom:15px;flex-grow:1}.article-meta{display:flex;gap:20px;color:var(--gray);font-size:.9rem;margin-top:20px;padding-top:15px;border-top:1px solid var(--light-gray)}.article-meta span,.post-meta{color:var(--gray);font-size:.9rem}footer{background-color:var(--primary);color:#fff;padding:70px 0 30px}.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:40px;margin-bottom:50px}.footer-col h3{color:#fff;margin-bottom:25px;font-size:1.4rem}.footer-col p{color:#a3b1c6;line-height:1.7}.footer-col ul{list-style:none}.footer-col ul li{margin-bottom:12px}.footer-col ul li a{color:#a3b1c6;text-decoration:none;transition:var(--transition)}.footer-col ul li a:hover{color:#fff;padding-left:5px}.footer-disclaimer{text-align:center;padding-bottom:30px}.footer-disclaimer p{font-size:.85rem;color:#a3b1c6;max-width:800px;margin:0 auto 1rem}.footer-disclaimer p:last-child{margin-bottom:0}.footer-disclaimer strong{color:#fff}.copyright{text-align:center;padding-top:30px;border-top:1px solid rgba(255,255,255,.1);color:#a3b1c6;font-size:.9rem}.form-container,.calculator-container{background:#fff;padding:2rem 2.5rem;border-radius:var(--border-radius);box-shadow:var(--box-shadow);max-width:800px;margin:0 auto}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}.form-control{margin-bottom:1.5rem}.form-control.full-width{grid-column:1 / -1}.form-control label{display:block;font-weight:600;color:var(--primary);margin-bottom:.5rem}.form-control input,.form-control select{width:100%;padding:14px;border:1px solid var(--light-gray);border-radius:var(--border-radius);font-size:1rem;font-family:Inter,sans-serif;transition:var(--transition)}.form-control input:focus,.form-control select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px #0d9e6d33}input[type=range]{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:8px;background:var(--light-gray);border-radius:5px;outline:none}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:24px;height:24px;background:var(--accent);cursor:pointer;border-radius:50%;border:4px solid white;box-shadow:0 2px 5px #0003}input[type=range]::-moz-range-thumb{width:24px;height:24px;background:var(--accent);cursor:pointer;border-radius:50%;border:4px solid white;box-shadow:0 2px 5px #0003}.calculator-output{text-align:center;background:linear-gradient(135deg,#1a3a5f,#2c5282);color:#fff;padding:1.5rem;border-radius:var(--border-radius);margin-top:2rem}.calculator-output p{margin:0;opacity:.9}.calculator-output h3{font-family:Inter,sans-serif;font-size:2.5rem;color:#fff;margin:.5rem 0 0}.affiliate-disclosure{background-color:#eef2f7;border-radius:var(--border-radius);padding:1.5rem 2rem;display:flex;align-items:flex-start;gap:1.5rem;border-left:5px solid var(--secondary)}.affiliate-disclosure i{font-size:2rem;color:var(--secondary);margin-top:5px}.affiliate-disclosure h3{margin-top:0;margin-bottom:.5rem;font-size:1.2rem}.affiliate-disclosure p{margin:0;color:var(--gray);font-size:.9rem;line-height:1.5}#offers{padding:80px 0}.offers-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:30px}.product-card{background:#fff;border-radius:var(--border-radius);overflow:hidden;box-shadow:var(--box-shadow);transition:var(--transition);display:flex;flex-direction:column}.product-card:hover{transform:translateY(-10px);box-shadow:0 15px 30px #0000001a}.product-card a{text-decoration:none;color:inherit;display:flex;flex-direction:column;height:100%}.card-image-wrapper{background:var(--primary);padding:2rem;display:flex;align-items:center;justify-content:center;min-height:120px}.card-image-wrapper i{font-size:3.5rem;color:var(--accent)}.card-content{padding:25px;display:flex;flex-direction:column;flex-grow:1}.card-tag{display:inline-block;background-color:#0d9e6d1a;color:var(--accent);padding:5px 12px;border-radius:20px;font-size:.85rem;font-weight:600;margin-bottom:15px;align-self:flex-start}.card-content h3{font-size:1.4rem;margin-bottom:15px}.card-content>p{flex-grow:1;color:var(--gray)}.card-details{list-style:none;padding:15px 0 0;margin:20px 0 0;font-size:.9rem;border-top:1px solid var(--light-gray)}.card-details li{margin-bottom:8px;color:var(--gray)}.card-details li:last-child{margin-bottom:0}.card-details strong{color:var(--dark)}.card-cta{display:block;background-color:var(--accent);color:#fff;padding:12px;text-align:center;font-weight:600;margin-top:20px;border-radius:var(--border-radius);transition:var(--transition)}.card-cta:hover{background-color:#0b8a5e}.state-disclaimer-container{max-width:800px;margin:0 auto 40px;background-color:#fff;padding:2.5rem;border-radius:var(--border-radius);box-shadow:var(--box-shadow);text-align:center}.state-disclaimer-container .us-only-notice,.disclaimer-controls{margin-bottom:1.5rem}.disclaimer-controls p{margin-bottom:.5rem;color:var(--dark)}.disclaimer-controls select{padding:12px;border-radius:var(--border-radius);border:1px solid var(--light-gray);width:100%;max-width:300px;font-size:1rem;font-family:Inter,sans-serif;cursor:pointer}.state-disclaimer-details{background-color:#f5f7fa;padding:1.25rem;border-radius:var(--border-radius);font-size:.9rem;color:var(--gray);text-align:left}.state-disclaimer-details p{margin:0}.state-disclaimer-details a{color:var(--accent);font-weight:600;text-decoration:none}.state-disclaimer-details a:hover{text-decoration:underline}.faq-accordion{max-width:800px;margin:0 auto}.faq-item{background:#fff;border-radius:var(--border-radius);margin-bottom:1rem;box-shadow:var(--box-shadow)}.faq-question{width:100%;background:none;border:none;text-align:left;padding:20px;font-size:1.2rem;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;color:var(--primary);font-family:Inter,sans-serif}.faq-question i{transition:var(--transition);color:var(--accent)}.faq-item.active .faq-question i{transform:rotate(180deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease-in-out,padding .4s ease}.faq-answer p{padding:0 20px 20px;color:var(--gray);margin:0}.faq-item.active .faq-answer{max-height:300px}.content-page{background:#fff;padding:40px;border-radius:var(--border-radius);margin:40px auto;box-shadow:var(--box-shadow);max-width:900px}.content-page h1{font-size:2.8rem;text-align:center}.content-page h2{margin-top:2rem;padding-bottom:.5rem;border-bottom:2px solid var(--accent)}.content-page p,.content-page li{color:var(--gray)}.content-page ul,.content-page ol{padding-left:20px}.content-page blockquote{border-left:4px solid var(--accent);padding-left:1.5rem;margin:1.5rem 0;font-style:italic}.content-page blockquote p{color:var(--secondary)}.content-wrapper{display:flex;flex-direction:column;gap:40px;margin:40px auto}.main-content{flex:3;min-width:0}.main-content .section{background:#fff;border-radius:var(--border-radius);padding:30px;margin-bottom:30px;box-shadow:var(--box-shadow)}.main-content .section-title{margin-bottom:25px;padding-bottom:15px;border-bottom:1px solid var(--light-gray);text-align:left}.main-content .section-title h2{font-size:1.8rem}.main-content .section-title:after{display:none}.sidebar{flex:1;min-width:280px}.sidebar-widget{background:#fff;border-radius:var(--border-radius);padding:25px;margin-bottom:30px;box-shadow:var(--box-shadow)}.sidebar-widget h3{font-size:1.5rem;margin-bottom:20px;padding-bottom:15px;border-bottom:1px solid var(--light-gray)}.calculator-widget{text-align:center}.calculator-widget .btn{width:100%;margin-top:20px}.quick-facts-list{list-style:none;margin-top:20px;padding:0}.quick-facts-list li{padding:10px 0;border-bottom:1px solid var(--light-gray)}.quick-facts-list li:last-child{border-bottom:none}.pros-cons{display:flex;flex-direction:column;gap:30px;margin:30px 0}.pros,.cons{flex:1;padding:25px;border-radius:var(--border-radius)}.pros{background-color:#0d9e6d0d;border-left:4px solid var(--accent)}.cons{background-color:#e74c3c0d;border-left:4px solid #e74c3c}.pros h3,.cons h3{margin-bottom:20px;display:flex;align-items:center;gap:10px;font-family:Inter,sans-serif;font-size:1.2rem}.pros h3{color:var(--accent)}.cons h3{color:#e74c3c}.pros ul,.cons ul{list-style:none;padding-left:0}.pros li,.cons li{margin-bottom:15px;color:var(--gray);display:flex;align-items:flex-start;gap:10px}.pros li i{color:var(--accent);margin-top:5px;font-size:1.1rem}.cons li i{color:#e74c3c;margin-top:5px;font-size:1.1rem}.key-points-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin:30px 0}.point-card{background:var(--light);border-radius:var(--border-radius);padding:25px;transition:var(--transition)}.point-card:hover{transform:translateY(-5px);box-shadow:0 10px 20px #0000001a}.point-card i{font-size:2.5rem;color:var(--accent);margin-bottom:20px;display:block}.point-card h3{font-size:1.4rem;margin-bottom:15px}.point-card p{color:var(--gray)}.tip-box{background-color:#0d9e6d1a;border-left:4px solid var(--accent);padding:25px;border-radius:0 var(--border-radius) var(--border-radius) 0;margin:30px 0}.tip-box h3{color:var(--accent);margin-bottom:15px;display:flex;align-items:center;gap:10px;font-size:1.2rem;font-family:Inter,sans-serif}.tip-box p{color:var(--gray)}.styled-list.simple{padding-left:0;list-style-type:none}.styled-list.simple li{display:flex;align-items:flex-start;gap:10px;padding:.5rem 0;background:none;border-left:none}.styled-list.simple li i{color:var(--accent);margin-top:5px;font-size:1.1rem}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:25px;margin:30px 0}.benefit-card{background:var(--light);border-radius:var(--border-radius);padding:25px;transition:var(--transition);border-top:4px solid var(--accent)}.benefit-card:hover{transform:translateY(-5px);box-shadow:0 10px 20px #0000001a}.benefit-card i{font-size:2.5rem;color:var(--accent);margin-bottom:20px;display:block}.benefit-card h3{font-size:1.4rem;margin-bottom:15px}.eligibility-checklist{background-color:#0d9e6d0d;border-left:4px solid var(--accent);padding:25px;border-radius:0 var(--border-radius) var(--border-radius) 0;margin:30px 0}.eligibility-checklist h3{color:var(--accent);margin-bottom:20px;display:flex;align-items:center;gap:10px;font-size:1.2rem;font-family:Inter,sans-serif}.checklist{list-style:none;padding-left:0}.checklist li{display:flex;align-items:flex-start;gap:15px;margin-bottom:15px}.checklist li i{font-family:"Font Awesome 6 Free";font-weight:900;color:var(--accent);font-size:1.2rem;margin-top:4px}.timeline{position:relative;padding-left:30px;margin:40px 0}.timeline:before{content:"";position:absolute;left:9px;top:0;bottom:0;width:2px;background-color:var(--accent)}.timeline-item{position:relative;margin-bottom:30px;padding-left:30px}.timeline-item:last-child{margin-bottom:0}.timeline-item:before{content:"";position:absolute;left:-1px;top:5px;width:20px;height:20px;border-radius:50%;background-color:var(--accent);border:4px solid white;box-shadow:0 0 0 2px var(--accent)}.timeline-item h3{margin-bottom:10px}.process-steps{display:flex;flex-direction:column;gap:25px;margin:30px 0}.step{display:flex;gap:20px;padding:25px;background:var(--light);border-radius:var(--border-radius)}.step-number{min-width:50px;height:50px;background-color:var(--accent);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.5rem;font-weight:700}.step-content h3{margin-top:0;margin-bottom:10px}.sidebar-widget .quick-facts ul{list-style:none;padding:0}.sidebar-widget .quick-facts li{padding:10px 0;border-bottom:1px solid rgba(26,58,95,.1)}.sidebar-widget .quick-facts li:last-child{border-bottom:none}.sidebar-widget .checklist-widget{list-style:none;padding:0}.sidebar-widget .checklist-widget li{padding:10px 0}.sidebar-widget .checklist-widget i{color:var(--accent);margin-right:10px}.content-page .intro-text{text-align:center;font-size:1.1rem;color:var(--gray);margin-bottom:3rem;max-width:800px;margin-left:auto;margin-right:auto}.education-section{margin-bottom:3rem}.styled-list{list-style:none;padding-left:0}.styled-list li{background:var(--light);padding:1.5rem;border-radius:var(--border-radius);margin-bottom:1rem;border-left:4px solid var(--accent)}.styled-list h3{margin-top:0;margin-bottom:.5rem;font-size:1.2rem}.styled-list.ordered{counter-reset:step-counter}.styled-list.ordered li{position:relative;padding-left:3.5rem}.styled-list.ordered li:before{counter-increment:step-counter;content:counter(step-counter);position:absolute;left:1rem;top:1.5rem;background:var(--accent);color:#fff;width:2rem;height:2rem;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-family:Inter,sans-serif}.definition-list dt{font-weight:700;color:var(--primary);font-size:1.1rem;margin-top:1rem}.definition-list dd{margin-left:0;margin-bottom:1rem;padding-left:1.5rem;border-left:2px solid var(--light-gray)}.faq-list .faq-item-static{margin-bottom:1.5rem;padding-bottom:1.5rem;border-bottom:1px solid var(--light-gray)}.faq-list .faq-item-static:last-child{border-bottom:none;margin-bottom:0}.faq-list .faq-item-static h3{font-size:1.2rem;margin-bottom:.5rem}.section-footer{margin-top:1.5rem;font-style:italic;background:var(--light);padding:1rem;border-radius:var(--border-radius)}.dti-result-display,.results-container{margin-top:2rem}.dti-percentage{font-size:3rem;font-weight:700;color:var(--primary)}.debt-input-row{display:grid;grid-template-columns:2fr 1fr 1fr 1fr auto;gap:1rem;margin-bottom:1rem;align-items:center}.remove-debt-btn{background:#fee2e2;border:none;color:#ef4444;border-radius:50%;width:30px;height:30px;cursor:pointer;transition:var(--transition)}.remove-debt-btn:hover{background:#ef4444;color:#fff}.add-debt-btn{background:transparent;border:2px dashed var(--accent);color:var(--accent)}.add-debt-btn:hover{background:var(--accent);color:#fff}.results-comparison{display:grid;grid-template-columns:1fr 1fr;gap:2rem}.result-card{background:var(--light);padding:2rem;border-radius:var(--border-radius);border-top:4px solid}.result-card.avalanche{border-color:var(--accent)}.result-card.snowball{border-color:var(--secondary)}.result-metric{display:flex;justify-content:space-between;padding:.75rem 0;border-bottom:1px solid var(--light-gray)}.popup-overlay{position:fixed;top:0;right:0;bottom:0;left:0;background-color:#1a3a5fcc;display:flex;justify-content:center;align-items:center;z-index:2000;padding:20px}.popup-container{background-color:#fff;padding:2.5rem;border-radius:var(--border-radius);box-shadow:0 10px 30px #0003;max-width:1000px;width:100%;position:relative;max-height:90vh;overflow-y:auto}.popup-close-btn{position:absolute;top:15px;right:20px;background:none;border:none;font-size:2.5rem;line-height:1;color:var(--gray);cursor:pointer;transition:var(--transition)}.popup-close-btn:hover{color:var(--dark)}@media (max-width: 992px){.header-container nav{display:none;position:fixed;top:0;right:-300px;width:300px;height:100%;background:#fff;box-shadow:-5px 0 15px #0000001a;padding:80px 20px 20px;transition:right .4s ease-in-out;z-index:1000}.header-container nav.nav-open{display:block;right:0}.header-container nav ul{flex-direction:column;align-items:flex-start;gap:0}.header-container nav ul li{width:100%}.header-container nav ul li a{padding:1rem;display:block;width:100%;border-radius:var(--border-radius)}.header-container nav ul li a:hover{background-color:var(--light-gray)}.mobile-nav-toggle{display:block}.content-wrapper{flex-direction:column}}@media (max-width: 768px){.header-container{padding:15px 0}.hero h1{font-size:2.5rem}.hero-btns{flex-direction:column;align-items:center}.form-grid,.results-comparison{flex-direction:column;grid-template-columns:1fr}.debt-input-row{grid-template-columns:1fr;gap:.5rem;border:1px solid var(--light-gray);padding:1rem;border-radius:var(--border-radius)}.debt-input-row .remove-debt-btn{grid-row:1;grid-column:1;justify-self:end}.pros-cons,.step{flex-direction:column}}@media (min-width: 992px){.content-wrapper{flex-direction:row}}