@font-face{font-family:"Rubik";src:url(../fonts/rubik-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Rubik";src:url(../fonts/rubik-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Rubik";src:url(../fonts/rubik-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}

/* Nickel Keepers theme */
:root{
  --bg:#f7f9fb; --surface:#ffffff; --tint:#eaf2f5;
  --ink:#11222b; --ink-soft:#4b5d66;
  --accent:#0b4f6c; --accent-deep:#083a50; --accent-soft:#dcebf1; --on-accent:#fff;
  --hi:#20bf55; --hi-soft:#dcf6e5; --hi-ink:#062a13; --alt:#e4572e; --alt-soft:#fbe2da;
  --link:#0d6a91; --ok:#2f7a4a; --ok-soft:#ddf0e3; --bad:#b83227; --bad-soft:#fbe3df;
  --line:#dbe5ea; --field:#9fb0b9;
  --head:"Rubik",system-ui,sans-serif; --head-w:700; --head-track:-.02em;
  --sans:"Rubik",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1180px; --r-sm:8px; --r-md:14px; --r-btn:10px;
}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.eyebrow{font-weight:700;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--alt);margin-bottom:.8em}
.tag{display:inline-block;font-weight:700;font-size:.76rem;letter-spacing:.08em;text-transform:uppercase;color:var(--hi-ink);background:var(--hi);padding:.36em .85em;border-radius:4px;margin-bottom:14px}
.section-h{margin-bottom:24px}

.masthead{background:var(--surface);border-bottom:1px solid var(--line)}
.brand-text{font:500 1.3rem var(--head);letter-spacing:-.01em;color:var(--accent-deep)}
.brand-text b{font-weight:var(--head-w);color:var(--alt)}
.nav a{color:var(--ink);border-radius:var(--r-btn)}
.nav a:hover{background:var(--tint)}
.nav a[aria-current]{background:var(--accent);color:#fff}
.nav .nav-login{border:2px solid var(--accent);color:var(--accent);padding:.38em 1em}
.nav .nav-btn{background:var(--hi);color:var(--hi-ink);padding:.45em 1.05em;border:2px solid var(--hi)}
.nav .nav-btn:hover,.nav .nav-btn[aria-current]{filter:brightness(.93);color:var(--hi-ink)}
.menu summary{color:var(--ink)}
.menu[open] .nav a[aria-current]{color:#fff}

.hero{padding:62px 0 76px;background:linear-gradient(180deg,#eef5f8,#f7f9fb)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:56px;align-items:center}
.hero h1{font-size:clamp(2.2rem,4.6vw,3.5rem);line-height:1.05;max-width:16ch;color:var(--accent-deep)}
.hero .lede{max-width:52ch}
.visual{margin:0}
.visual figcaption{font-size:.86rem;color:var(--ink-soft);margin-top:10px}

.starts{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.start{display:flex;flex-direction:column;gap:6px;padding:24px;border-radius:var(--r-md);background:var(--surface);border:1px solid var(--line);border-top:5px solid var(--accent);text-decoration:none;color:var(--ink)}
.start.s2{border-top-color:var(--alt)}.start.s3{border-top-color:var(--hi)}
.start:hover{color:var(--ink);box-shadow:0 14px 28px -20px rgba(0,0,0,.45)}
.st-k{font-size:.76rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-soft)}
.start strong{font-size:1.25rem;color:var(--accent-deep)}
.start span:last-child{color:var(--ink-soft)}
.section-tint{background:var(--tint)}

/* topics: cards */
.topics{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.topic h3{font-size:1.08rem;color:var(--accent-deep)}
.topic ul{list-style:none;margin:0;padding:0}
.topic li{border-bottom:1px solid var(--line)}
.topic li:last-child{border-bottom:0}
.topic a{display:block;padding:.55em 0;color:var(--ink);text-decoration:none;font-weight:700;line-height:1.3}
.topic a:hover{color:var(--link);text-decoration:underline}
.topics-cards .topic{background:var(--surface);border-radius:var(--r-md);padding:20px;border-top:5px solid var(--accent)}
.topics-cards .g2{border-top-color:var(--alt)}.topics-cards .g3{border-top-color:var(--hi)}.topics-cards .g4{border-top-color:var(--accent-deep)}
/* topics: columns with headed boxes */
.topics-cols .topic{background:var(--surface);border-radius:var(--r-md);overflow:hidden;border:1px solid var(--line)}
.topics-cols .topic h3{margin:0;padding:12px 18px;background:var(--accent);color:#fff}
.topics-cols .g2 h3{background:var(--alt)}.topics-cols .g3 h3{background:var(--accent-deep)}.topics-cols .g4 h3{background:var(--ink)}
.topics-cols .topic ul{padding:4px 18px 10px}
/* topics: rows of pills */
.topics-rows{grid-template-columns:1fr;gap:0}
.topics-rows .topic{display:grid;grid-template-columns:240px 1fr;gap:24px;padding:18px 0;border-top:1px solid var(--line)}
.topics-rows .topic:first-child{border-top:0}
.topics-rows .topic h3{margin:0}
.topics-rows .topic ul{display:flex;flex-wrap:wrap;gap:10px}
.topics-rows .topic li{border:0}
.topics-rows .topic a{padding:.45em .9em;border-radius:999px;background:var(--surface);border:1px solid var(--line);font-weight:600}

.free-row{display:grid;grid-template-columns:300px 1fr;gap:64px;align-items:center}
.pdf-page.p1{border-top-color:var(--accent)}
.pdf-page.p2{background:var(--alt-soft)}.pdf-page.p3{background:var(--accent-soft)}
.product-band{background:var(--accent-deep);color:rgba(255,255,255,.78);padding:76px 0}
.product-band h2{color:#fff}
.product-band .lede{color:rgba(255,255,255,.8)}
.product-band .price-line strong{color:var(--hi);font-size:1.6rem}
.product-teaser{display:grid;grid-template-columns:1.25fr 1fr;gap:56px;align-items:center}
.band-signup{background:var(--hi-soft)}

.page-head{background:var(--surface);border-bottom:1px solid var(--line)}
.page-head h1{color:var(--accent-deep)}
.hub-group{display:grid;grid-template-columns:260px 1fr;gap:40px;padding:34px 0;border-top:1px solid var(--line)}
.hub-group:first-child{border-top:0;padding-top:0}
.hub-label h2{padding-left:14px;border-left:6px solid var(--accent)}
.hub-group.g2 .hub-label h2{border-left-color:var(--alt)}.hub-group.g3 .hub-label h2{border-left-color:var(--hi)}.hub-group.g4 .hub-label h2{border-left-color:var(--accent-deep)}
.hub-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:6px 32px}
.hub-list li{padding:.8em 0;border-bottom:1px solid var(--line)}
.hub-list a{font:var(--head-w) 1.1rem var(--head)}
.hub-list p{margin:.25em 0 0;color:var(--ink-soft);font-size:.96rem}
.hub-list .meta,.meta-line{font-size:.86rem;color:var(--ink-soft)}
.guide-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding-top:44px;padding-bottom:64px}
.guide-body{max-width:70ch}
.guide-body h2{margin-top:1.3em;font-size:1.45rem;color:var(--accent-deep)}
.guide-body li{margin-bottom:.4em}
.intro{font-size:1.18rem;line-height:1.6}
.tip-box{background:var(--hi-soft);border-left:6px solid var(--hi);border-radius:var(--r-sm);padding:20px 24px;margin:2em 0}
.tip-box h2{font-size:1.18rem;margin:0 0 .5em}
.tip-box ul{margin:0;padding-left:1.2em}
.guide-side{display:flex;flex-direction:column;gap:20px}
.side-box{border-radius:var(--r-md)}
.side-kit{background:var(--accent-soft);border-color:var(--line)}

.tool-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:start}
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:28px;max-width:none}
.calc-set{border:0;margin:0 0 8px;padding:0}
.calc-set legend{font-weight:700;color:var(--accent-deep);margin-bottom:8px}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:4px 14px;align-items:start}
.calc-row.three{grid-template-columns:repeat(3,1fr)}
.calc-out{background:var(--accent);color:rgba(255,255,255,.8);border-radius:var(--r-md);padding:30px;position:sticky;top:20px}
.calc-k{font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--hi);margin:0 0 6px}
.calc-big{font:var(--head-w) clamp(2.3rem,4.4vw,3.2rem)/1.05 var(--head);color:#fff;margin-bottom:18px;font-variant-numeric:tabular-nums}
.calc-big small{font:500 1.02rem var(--sans);color:rgba(255,255,255,.7)}
.calc-nums{margin:0 0 14px;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.calc-nums div{background:rgba(255,255,255,.1);border-radius:var(--r-sm);padding:11px 12px}
.calc-nums dt{font-size:.85rem;color:rgba(255,255,255,.72)}
.calc-nums dd{margin:0;font-weight:700;font-size:1.22rem;color:#fff;font-variant-numeric:tabular-nums}
.verdict{background:rgba(255,255,255,.14);border-radius:var(--r-sm);padding:12px 14px;margin:0;color:#fff}
.calc-fine{margin:14px 0 0;padding-top:14px;border-top:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.72)}
.calc-fine a{color:#fff}
.table-wrap{overflow-x:auto}
.data-table{background:var(--surface);margin:0}
.data-table th{background:var(--accent);color:#fff}

.club-hero{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center}
.club-hero .actions+.small{margin-top:14px}
.mock{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;box-shadow:0 26px 50px -30px rgba(0,0,0,.45)}
.mock-head{margin:0;padding:16px 20px;background:var(--accent);color:#fff;font-weight:700;font-size:1.12rem;display:flex;flex-direction:column}
.mock-head span{font-weight:400;font-size:.88rem;color:var(--hi)}
.mock-list{list-style:none;margin:0;padding:8px 20px 16px}
.mock-list li{padding:10px 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:12px}
.mock-list li:last-child{border-bottom:0}
.mock-list b{color:var(--accent-deep)}
.mock-bar{display:block;height:8px;border-radius:4px;background:var(--tint);margin-top:6px;overflow:hidden}
.mock-bar i{display:block;height:100%;background:var(--alt)}
.steps-row li{border-top-color:var(--hi)}
.feature-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.feature-grid li{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:18px;display:flex;flex-direction:column;gap:4px}
.feature-grid strong{color:var(--accent-deep);font-size:1.08rem}
.feature-grid span{color:var(--ink-soft)}
.club-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px}

.w0{width:0}.w5{width:5%}.w10{width:10%}.w15{width:15%}.w20{width:20%}.w25{width:25%}.w30{width:30%}.w35{width:35%}.w40{width:40%}.w45{width:45%}.w50{width:50%}.w55{width:55%}.w60{width:60%}.w65{width:65%}.w70{width:70%}.w75{width:75%}.w80{width:80%}.w85{width:85%}.w90{width:90%}.w95{width:95%}.w100{width:100%}
.h10{height:10%}.h20{height:20%}.h30{height:30%}.h40{height:40%}.h50{height:50%}.h60{height:60%}.h70{height:70%}.h80{height:80%}.h90{height:90%}.h100{height:100%}

.footer{background:var(--accent-deep);color:rgba(255,255,255,.72)}
.footer a{color:#fff}
.footer-brand{font:var(--head-w) 1.36rem var(--head);color:#fff}
.footer-h{color:var(--hi)}
.footer-base{border-top:1px solid rgba(255,255,255,.14);color:rgba(255,255,255,.58)}

@media (max-width:1100px){.topics{grid-template-columns:1fr 1fr}.topics-rows{grid-template-columns:1fr}.feature-grid{grid-template-columns:1fr 1fr}}
@media (max-width:960px){
  .hero-grid,.product-teaser,.club-hero,.guide-grid,.hub-group,.free-row,.tool-grid,.club-grid,.starts{grid-template-columns:1fr}
  .hub-list{grid-template-columns:1fr}
  .calc-out{position:static}
  .topics-rows .topic{grid-template-columns:1fr;gap:10px}
}
@media (max-width:600px){
  .hero{padding:36px 0 50px}
  .topics,.calc-row,.feature-grid{grid-template-columns:1fr}
  .calc-row.three{grid-template-columns:1fr 1fr}
  .brand-text{font-size:1.1rem}
  .brand-mark{width:34px;height:34px}
  .data-table thead{display:none}
  .data-table,.data-table tbody,.data-table tr,.data-table td{display:block;width:100%}
  .data-table tr{padding:12px 14px;border-bottom:1px solid var(--line)}
  .data-table td{border:0;padding:3px 0}
  .data-table td[data-label]::before{content:attr(data-label) ": ";font-weight:700;color:var(--ink-soft)}
}

/* dark masthead */
.masthead{background:var(--accent-deep);border-bottom:4px solid var(--hi)}
.brand-text{color:#fff}
.brand-text b{color:var(--hi)}
.nav a{color:rgba(255,255,255,.88)}
.nav a:hover{background:rgba(255,255,255,.1);color:#fff}
.nav a[aria-current]{background:var(--hi);color:var(--hi-ink)}
.nav .nav-login{border-color:rgba(255,255,255,.85);color:#fff}
.menu summary{color:#fff}
.menu[open] .nav{background:var(--accent-deep)}
.menu[open] .nav a[aria-current]{color:var(--hi-ink)}

/* site-specific */
.payoff-card{background:var(--accent-deep);color:#fff;border-radius:var(--r-md);padding:26px;box-shadow:0 30px 60px -34px rgba(8,58,80,.7)}
.po-head{margin:0 0 14px;display:flex;flex-direction:column;font-size:1.05rem;color:rgba(255,255,255,.85)}
.po-head b{font:700 2.4rem/1.1 var(--head);color:var(--hi)}
.po-head span{font-size:.9rem;color:rgba(255,255,255,.65)}
.po-list{list-style:none;margin:0;padding:0}
.po-list li{display:grid;grid-template-columns:1fr auto;gap:6px 12px;padding:11px 0;border-top:1px solid rgba(255,255,255,.14)}
.po-list b{font-weight:500}
.po-list .bar{grid-column:1/-1;display:block;height:8px;border-radius:4px;background:rgba(255,255,255,.14);overflow:hidden}
.po-list .bar i{display:block;height:100%;background:var(--alt)}
.po-list li.paid .bar i{background:var(--hi)}
.po-list li.paid b{color:var(--hi)}
.payoff-card figcaption{color:rgba(255,255,255,.6)}
.debt-head,.debt-row{display:grid;grid-template-columns:1.4fr 1fr .7fr .9fr;gap:8px;align-items:center}
.debt-head{font-size:.78rem;font-weight:700;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px}
.debt-row{border:0;margin:0 0 8px;padding:0}
.debt-row input{width:100%}
.method{border:0;padding:0;margin:6px 0 12px}
.method legend{font-weight:700;margin-bottom:6px}
.order{list-style:none;margin:0 0 6px;padding:0;counter-reset:o}
.order li{counter-increment:o;display:flex;justify-content:space-between;gap:10px;padding:7px 0;border-top:1px solid rgba(255,255,255,.16);color:#fff}
.order li span::before{content:counter(o) ". ";color:var(--hi);font-weight:700}
.order b{font-weight:500;color:rgba(255,255,255,.8)}
.help-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.help-card{background:var(--surface);border:1px solid var(--line);border-left:6px solid var(--accent);border-radius:var(--r-md);padding:20px 22px}
.help-card h2{font-size:1.2rem;margin:0 0 8px;color:var(--accent-deep)}
.help-card p{margin:0 0 8px}
.help-how{color:var(--ink-soft);font-size:.95rem}
.flags{display:grid;grid-template-columns:1fr 1.2fr;gap:44px;align-items:start}
.flag-list{list-style:none;margin:0;padding:0}
.flag-list li{background:var(--surface);border-left:6px solid var(--alt);border-radius:var(--r-sm);padding:12px 16px;margin-bottom:10px;font-weight:500}
@media (max-width:860px){.help-grid,.flags{grid-template-columns:1fr}}
@media (max-width:600px){.debt-head{display:none}.debt-row{grid-template-columns:1fr 1fr;padding-bottom:8px;border-bottom:1px solid var(--line)}.debt-row label .sr-only{position:static;width:auto;height:auto;margin:0 0 2px;clip:auto;overflow:visible;display:block;font-size:.76rem;font-weight:700;color:var(--ink-soft)}}