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var(--gray-200);border-radius:10px;overflow:hidden;margin-bottom:20px}.da-method-btn{padding:10px 16px;background:var(--white);border:none;font-family:var(--font-body);font-size:13px;font-weight:500;color:var(--gray-400);cursor:pointer;transition:background .15s,color .15s}.da-method-btn.active{background:var(--navy);color:var(--white)}.da-compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}.da-method-card{border-radius:var(--radius-lg);padding:20px;border:2px solid var(--gray-200)}.da-method-card.avalanche{border-color:#7C3AED;background:#faf8ff}.da-method-card.snowball{border-color:#0DBF7E;background:var(--green-light)}.da-method-card-header{display:flex;align-items:center;gap:10px;margin-bottom:14px}.da-method-icon{font-size:20px}.da-method-name{font-family:var(--font-display);font-size:14px;font-weight:700;color:var(--navy)}.da-method-sub{font-size:11px;color:var(--gray-400)}.da-winner-chip{font-size:10px;font-weight:700;padding:2px 9px;border-radius:99px;background:var(--green);color:white;letter-spacing:.05em;text-transform:uppercase;margin-left:auto}.da-winner-chip.snowball-win{background:#0DBF7E}.da-winner-chip.avalanche-win{background:#7C3AED}.da-stat{margin-bottom:10px}.da-stat-label{font-size:11px;color:var(--gray-400);margin-bottom:2px}.da-stat-val{font-family:var(--font-display);font-size:20px;font-weight:700;color:var(--navy)}.da-stat-val.purple{color:#7C3AED}.da-stat-val.green{color:var(--green-dark)}.da-payoff-order{margin-top:16px}.da-payoff-order-title{font-size:11px;font-weight:600;color:var(--gray-400);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}.da-debt-item{display:flex;align-items:center;gap:10px;padding:8px 12px;border-radius:9px;background:var(--white);border:1px solid var(--gray-100);margin-bottom:6px}.da-debt-num{width:22px;height:22px;border-radius:50%;background:var(--navy);color:white;font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}.da-debt-item-name{font-size:13px;font-weight:500;color:var(--navy);flex:1}.da-debt-item-meta{font-size:11px;color:var(--gray-400)}.da-savings-banner{background:linear-gradient(135deg,var(--navy),var(--navy-mid));border-radius:var(--radius-lg);padding:20px 24px;display:flex;align-items:center;gap:16px;margin-bottom:16px}.da-savings-icon{font-size:28px;flex-shrink:0}.da-savings-title{font-family:var(--font-display);font-size:15px;font-weight:700;color:var(--white);margin-bottom:4px}.da-savings-sub{font-size:13px;color:rgba(255,255,255,.7)}.da-savings-amount{margin-left:auto;font-family:var(--font-display);font-size:26px;font-weight:700;color:var(--green);text-align:right;white-space:nowrap}@media(max-width:768px){.da-debt-row{grid-template-columns:1fr 1fr;gap:8px}.da-compare-grid{grid-template-columns:1fr}}.ef-coverage-tabs{display:flex;gap:6px;margin-bottom:20px;flex-wrap:wrap}.ef-coverage-tab{padding:7px 14px;background:var(--gray-50);border:1.5px solid var(--gray-200);border-radius:8px;font-size:12px;font-weight:500;color:var(--gray-400);cursor:pointer;transition:all .15s;font-family:var(--font-body)}.ef-coverage-tab.active{background:var(--navy);border-color:var(--navy);color:white}.ef-goal-ring{display:flex;flex-direction:column;align-items:center;justify-content:center;margin:8px auto 16px;position:relative;width:180px;height:180px}.ef-ring-svg{position:absolute;top:0;left:0}.ef-ring-center{text-align:center;position:relative;z-index:1}.ef-ring-val{font-family:var(--font-display);font-size:26px;font-weight:700;color:var(--navy)}.ef-ring-label{font-size:11px;color:var(--gray-400);margin-top:2px}.ef-timeline-card{background:var(--green-light);border:1.5px solid rgba(13,191,126,.25);border-radius:var(--radius-lg);padding:20px 24px;display:flex;align-items:center;gap:16px;margin-bottom:16px}.ef-timeline-icon{font-size:28px;flex-shrink:0}.ef-timeline-title{font-family:var(--font-display);font-size:15px;font-weight:700;color:var(--navy);margin-bottom:4px}.ef-timeline-sub{font-size:13px;color:var(--gray-700)}.ef-timeline-date{margin-left:auto;font-family:var(--font-display);font-size:22px;font-weight:700;color:var(--green-dark);text-align:right;white-space:nowrap}.ef-milestone-list{display:flex;flex-direction:column;gap:10px;margin-bottom:16px}.ef-milestone{display:grid;grid-template-columns:auto 1fr auto;gap:12px;align-items:center;padding:12px 16px;background:var(--white);border:1px solid var(--gray-200);border-radius:11px}.ef-milestone-icon{font-size:18px}.ef-milestone-label{font-size:13px;font-weight:500;color:var(--navy)}.ef-milestone-sub{font-size:11px;color:var(--gray-400)}.ef-milestone-val{font-family:var(--font-display);font-size:15px;font-weight:700;color:var(--navy);text-align:right;white-space:nowrap}.ef-milestone-months{font-size:11px;color:var(--gray-400);text-align:right}.ef-progress-track{height:8px;background:var(--gray-100);border-radius:99px;overflow:hidden;margin:8px 0}.ef-progress-fill{height:100%;background:linear-gradient(to right,var(--green),var(--green-dark));border-radius:99px;transition:width .6s cubic-bezier(.4,0,.2,1)}.ef-category-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}.ef-category-box{background:var(--gray-50);border:1px solid var(--gray-100);border-radius:11px;padding:14px 16px}.ef-cat-label{font-size:11px;color:var(--gray-400);margin-bottom:6px}.ef-cat-val{font-family:var(--font-display);font-size:18px;font-weight:700;color:var(--navy)}.ef-cat-sub{font-size:11px;color:var(--gray-400);margin-top:2px}@media(max-width:768px){.ef-category-grid{grid-template-columns:1fr}}.results-empty-hint{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:32px 16px;color:var(--gray-400);font-size:0.9rem;text-align:center;gap:8px}.results-empty-hint .hint-icon{font-size:2rem;margin-bottom:4px}.results-empty-hint .hint-arrow{font-size:1.5rem;animation:bounce-up 1.2s ease-in-out infinite}@keyframes bounce-up{0%,100%{transform:translateY(0)}50%{transform:translateY(-4px)}}.blog-page-wrap{display:grid;grid-template-columns:minmax(0,720px) 280px;gap:40px;max-width:1080px;margin:0 auto;padding:0 24px;align-items:start}.blog-sidebar{position:sticky;top:100px;padding-top:40px}.sidebar-section-title{font-size:11px;font-weight:600;color:var(--gray-400,#9ca3af);text-transform:uppercase;letter-spacing:0.08em;margin:0 0 16px}.sidebar-article{display:block;text-decoration:none;padding:14px 0;border-bottom:1px solid var(--gray-100,#f3f4f6);transition:all 0.15s}.sidebar-article:last-child{border-bottom:none}.sidebar-article:hover .sidebar-article-title{color:#0DBF7E}.sidebar-article-tag{font-size:10px;color:var(--gray-400,#9ca3af);text-transform:uppercase;letter-spacing:0.05em;margin:0 0 5px}.sidebar-article-title{font-size:13px;font-weight:500;color:var(--gray-700,#374151);line-height:1.5;margin:0;transition:color 0.15s}.sidebar-divider{height:1px;background:var(--gray-100,#f3f4f6);margin:24px 0}.sidebar-calculator-card{background:linear-gradient(135deg,#f0fdf8 0%,#e6f9f2 100%);border:1px solid #9FE1CB;border-radius:12px;padding:16px;text-decoration:none;display:block;margin-bottom:10px;transition:box-shadow 0.15s}.sidebar-calculator-card:hover{box-shadow:0 4px 12px rgba(13,191,126,0.15)}.sidebar-calculator-card-icon{font-size:1.2rem;margin-bottom:6px}.sidebar-calculator-card-title{font-size:12px;font-weight:600;color:#085041;margin:0 0 2px}.sidebar-calculator-card-desc{font-size:11px;color:#0F6E56;margin:0}@media (max-width:900px){.blog-page-wrap{grid-template-columns:1fr;padding:0}.blog-sidebar{display:none}.calc-main{padding:40px 24px!important}}.flex-center{display:flex;align-items:center;justify-content:center}.flex-between{display:flex;align-items:center;justify-content:space-between}.flex-col{display:flex;flex-direction:column}.flex-end{display:flex;align-items:flex-end}.gap-8{gap:8px}.gap-12{gap:12px}.gap-16{gap:16px}.gap-24{gap:24px}.text-left{text-align:left}.text-right{text-align:right}.text-center{text-align:center}.font-600{font-weight:600}.font-700{font-weight:700}.fs-12{font-size:12px}.fs-13{font-size:13px}.lh-17{line-height:1.7}.mt-0{margin-top:0}.mb-0{margin-bottom:0}.mb-2{margin-bottom:2px}.mb-6{margin-bottom:6px}.mb-10{margin-bottom:10px}.mb-12{margin-bottom:12px}.mb-16{margin-bottom:16px}.mb-32{margin-bottom:32px}.mt-2{margin-top:2px}.content-white{background:#fff;padding:48px 0 32px}.content-gray{background:var(--gray-50,#f9fafb);padding:56px 0}.content-inner{max-width:720px;margin:0 auto}.author-row{display:flex;align-items:center;justify-content:center;gap:12px;margin-bottom:32px;padding-bottom:32px;border-bottom:1px solid var(--gray-100)}.author-avatar{width:40px;height:40px;border-radius:50%;object-fit:cover;flex-shrink:0}.author-name{font-size:13px;font-weight:600;color:var(--navy);margin:0}.author-meta{font-size:12px;color:var(--gray-600,#4b5563);margin:2px 0 0}.feature-card{background:#fff;border-radius:12px;padding:24px;border:1px solid var(--gray-100,#f3f4f6)}.feature-card-icon{margin-bottom:10px}.feature-card-title{font-weight:600;margin-bottom:6px}.feature-card-desc{font-size:0.9rem;color:var(--gray-500,#6b7280);line-height:1.6;margin:0}.feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:32px}.audience-list{color:var(--gray-600,#4b5563);line-height:2;padding-left:20px;margin-bottom:16px}.tool-card-link{text-decoration:none;color:inherit;display:block}.btn-full{width:100%;text-align:center;padding:10px 0;font-size:13px}.section-divider{border-top:1px solid var(--gray-100)}.section-h2{font-size:1.5rem;font-weight:700;margin-bottom:12px}.section-h2--sm{font-size:1.3rem}.body-p{color:var(--gray-600,#4b5563);line-height:1.7;margin-bottom:16px}.body-p--lg{margin-bottom:32px}.body-p--last{margin-bottom:0}.footer-dot{width:8px;height:8px;background:#0DBF7E;border-radius:50%;display:inline-block}.skip-to-content{position:absolute;top:-100px;left:16px;background:var(--navy,#0B1F3A);color:#fff;padding:10px 16px;border-radius:0 0 8px 8px;font-size:14px;font-weight:600;text-decoration:none;z-index:10000;transition:top 0.15s}.skip-to-content:focus{top:0;outline:3px solid #0DBF7E;outline-offset:2px}.share-btn{display:inline-flex;align-items:center;gap:6px;padding:9px 18px;border:1px solid var(--gray-200,#e5e7eb);border-radius:8px;background:transparent;color:var(--gray-600,#4b5563);font-size:.875rem;cursor:pointer;font-family:inherit;transition:border-color .15s,color .15s}.share-btn:hover{border-color:#0DBF7E;color:#0DBF7E}.share-btn.copied{border-color:#0DBF7E;color:#0DBF7E;background:var(--green-light,#E6FAF3)}
@media print{.nav-wrap,.nav-hamburger,.nav-mobile-menu,.skip-to-content,.calc-sidebar,.share-btn,.cta-section,footer{display:none!important}.calc-layout{display:block}.calc-main{max-width:100%!important;padding:0!important}.results-panel{border:1px solid #ccc;border-radius:0;box-shadow:none}.metric-box{break-inside:avoid}.amort-table-wrap{overflow:visible}body{font-size:12pt;color:#000}a{color:#000;text-decoration:none}h1,h2,h3{color:#000}.metric-val{color:#000!important}}

/* ═══════════════════════════════════════
   NEWSLETTER SECTION
═══════════════════════════════════════ */
.newsletter-section{background:var(--navy,#0B1F3A);padding:56px 24px}
.newsletter-inner{max-width:860px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.newsletter-title{font-size:1.5rem;font-weight:700;color:#fff;margin-bottom:10px}
.newsletter-desc{color:rgba(255,255,255,.7);font-size:.9rem;line-height:1.7;margin:0}
.newsletter-fields{display:flex;gap:10px;margin-bottom:8px}
.newsletter-input{flex:1;padding:11px 16px;border-radius:8px;border:1.5px solid rgba(255,255,255,.65);background:rgba(255,255,255,.65);color:#fff;font-size:.9rem;font-family:inherit;transition:border-color .15s}
.newsletter-input::placeholder{color:rgba(255,255,255,.65)}
.newsletter-input:focus{outline:none;border-color:#0DBF7E}
.newsletter-btn{white-space:nowrap;padding:11px 20px;background:#09a06a;color:#fff;border:none;border-radius:8px;font-size:.875rem;font-weight:600;cursor:pointer;font-family:inherit;transition:background .15s}
.newsletter-btn:hover{background:#078a59}
.newsletter-btn:disabled{background:var(--gray-400);cursor:not-allowed}
.newsletter-privacy{font-size:.75rem;color:rgba(255,255,255,.65);margin:0}
.newsletter-success{font-size:.9rem;color:#0DBF7E;margin:8px 0 0;font-weight:500}
@media(max-width:720px){.newsletter-inner{grid-template-columns:1fr;gap:24px}.newsletter-fields{flex-direction:column}}

/* ═══════════════════════════════════════
   CALCULATOR CONTENT BLOCKS (SEO)
═══════════════════════════════════════ */
.calc-content-block{padding:48px 0;border-top:1px solid var(--gray-100)}
.calc-content-h2{font-size:1.35rem;font-weight:700;color:var(--navy);margin-bottom:14px;letter-spacing:-.01em}
.calc-content-h3{font-size:1.05rem;font-weight:600;color:var(--navy);margin:24px 0 10px}
.calc-content-p{color:var(--gray-600,#4b5563);line-height:1.75;margin-bottom:14px;font-size:.95rem}
.calc-content-p:last-child{margin-bottom:0}
.calc-content-p a{color:var(--blue);text-decoration:none}
.calc-content-p a:hover{text-decoration:underline}

/* ═══════════════════════════════════════
   BLOG CALCULATOR CTA WIDGET
═══════════════════════════════════════ */
.blog-calc-cta{background:linear-gradient(135deg,var(--navy) 0%,#1a3355 100%);border-radius:16px;padding:28px;margin:40px auto;max-width:1080px;width:calc(100% - 48px)}
.blog-calc-cta-inner{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.blog-calc-cta-icon{font-size:2.2rem;flex-shrink:0}
.blog-calc-cta-body{flex:1;min-width:200px}
.blog-calc-cta-title{font-size:1.05rem;font-weight:700;color:#fff;margin-bottom:6px}
.blog-calc-cta-desc{font-size:.9rem;color:rgba(255,255,255,.75);line-height:1.5;margin:0}
.blog-calc-cta-btn{white-space:nowrap;background:#0DBF7E;color:#fff;text-decoration:none;padding:12px 22px;border-radius:10px;font-size:.875rem;font-weight:600;transition:background .15s;flex-shrink:0}
.blog-calc-cta-btn:hover{background:#09a06a}
@media(max-width:600px){.blog-calc-cta-inner{flex-direction:column;align-items:flex-start}.blog-calc-cta-btn{width:100%;text-align:center}}