:root {
  --navy: #142B45;
  --navy-deep: #142B45;
  --blue: #226C86;
  --green: #29B9AD;
  --green-soft: #F2F8F7;
  --orange: #29B9AD;
  --sky: #F2F8F7;
  --ink: #142B45;
  --muted: #226C86;
  --line: rgba(34,108,134,.20);
  --surface: #F2F8F7;
  --white: #fff;
  --shadow: 0 24px 70px rgba(20,43,69,.13);
  --container: min(1180px, calc(100% - 40px));
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; color: var(--ink); background: var(--white);
  font-family: "Noto Sans Thai", "Leelawadee UI", Tahoma, system-ui, sans-serif;
  font-size: 16px; line-height: 1.7; -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
:focus-visible { outline: 3px solid rgba(41,185,173,.58); outline-offset: 3px; }
.container { width: var(--container); margin-inline: auto; }
.skip-link { position: fixed; left: 16px; top: -60px; z-index: 999; padding: 10px 16px; border-radius: 999px; background: var(--orange); color: var(--navy); font-weight: 850; }
.skip-link:focus { top: 16px; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { line-height: 1.22; letter-spacing: -.03em; }
h1 { max-width: 850px; margin-bottom: 20px; font-size: clamp(2.2rem, 4.8vw, 4.3rem); }
h2 { margin-bottom: 16px; font-size: clamp(1.7rem, 3vw, 2.6rem); }
h3 { margin-bottom: 10px; font-size: 1.3rem; }
.lead { color: var(--muted); font-size: clamp(1.05rem, 1.7vw, 1.23rem); line-height: 1.85; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; margin: 0 0 16px; color: var(--green); font-size: .82rem; font-weight: 850; letter-spacing: .07em; }
.eyebrow::before { content: ""; width: 22px; height: 3px; border-radius: 4px; background: currentColor; }
.section { padding: 105px 0; }
.section-soft { background: var(--surface); }
.section-heading { max-width: 760px; margin-bottom: 42px; }

.topbar { min-height: 44px; display: flex; align-items: center; color: var(--surface); background: var(--navy); font-size: .86rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 20px; }
.topbar strong { color: var(--orange); }
.topbar a { color: var(--white); text-underline-offset: 3px; }
.site-header { position: sticky; top: 0; z-index: 100; height: 82px; border-bottom: 1px solid rgba(20,43,69,.1); background: rgba(255,255,255,.95); backdrop-filter: blur(16px); }
.nav { height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; text-decoration: none; }
.brand-logo { width: 190px; height: 60px; object-fit: contain; }
.nav-links { display: flex; align-items: center; gap: 20px; }
.nav-links > a, .nav-dropdown > summary { color: var(--ink); text-decoration: none; font-size: .88rem; font-weight: 760; white-space: nowrap; cursor: pointer; }
.nav-links > a:hover, .nav-links > a.active, .nav-dropdown > summary:hover, .nav-dropdown > summary.active { color: var(--green); }
.nav-dropdown { position: relative; }
.nav-dropdown > summary { display: flex; align-items: center; gap: 5px; list-style: none; }
.nav-dropdown > summary::-webkit-details-marker { display: none; }
.nav-dropdown > summary::after { content: "⌄"; color: var(--orange); font-size: .95rem; }
.submenu { position: absolute; top: calc(100% + 16px); left: 50%; width: 245px; padding: 10px; border: 1px solid var(--line); border-radius: 16px; background: var(--white); box-shadow: var(--shadow); transform: translateX(-50%); }
.submenu::before { content: ""; position: absolute; left: 0; right: 0; top: -18px; height: 18px; }
.submenu a { display: block; padding: 10px 12px; border-radius: 10px; color: var(--ink); text-decoration: none; font-size: .86rem; font-weight: 720; }
.submenu a:hover { color: var(--navy); background: var(--sky); }
.menu-toggle { display: none; width: 46px; height: 46px; padding: 0; border: 0; border-radius: 14px; color: var(--navy); background: var(--sky); cursor: pointer; }
.menu-toggle span, .menu-toggle::before, .menu-toggle::after { content: ""; display: block; width: 21px; height: 2px; margin: 5px auto; border-radius: 5px; background: currentColor; transition: transform .2s ease, opacity .2s ease; }
.menu-toggle[aria-expanded="true"] span { opacity: 0; }
.menu-toggle[aria-expanded="true"]::before { transform: translateY(7px) rotate(45deg); }
.menu-toggle[aria-expanded="true"]::after { transform: translateY(-7px) rotate(-45deg); }

.button { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 48px; padding: 0 20px; border: 1px solid transparent; border-radius: 14px; text-decoration: none; font-weight: 850; cursor: pointer; transition: transform .2s ease, box-shadow .2s ease; }
.button:hover { transform: translateY(-2px); }
.button-dark { color: var(--white) !important; background: var(--navy); box-shadow: 0 12px 28px rgba(20,43,69,.22); }
.button-orange { color: var(--navy); background: var(--orange); box-shadow: 0 12px 28px rgba(41,185,173,.24); }
.button-outline { color: var(--navy); border-color: rgba(34,108,134,.35); background: var(--white); }
.button-small { min-height: 44px; padding-inline: 18px; }

.page-hero { position: relative; overflow: hidden; padding: 32px 0 30px; color: var(--white); background: linear-gradient(135deg, var(--navy-deep), var(--blue)); }
.page-hero::after { content: ""; position: absolute; right: -120px; bottom: -220px; width: 520px; height: 520px; border: 82px solid rgba(255,255,255,.07); border-radius: 50%; }
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { max-width: 760px; margin-bottom: 10px; font-size: clamp(1.95rem, 3vw, 2.7rem); }
.page-hero .eyebrow { margin-bottom: 8px; color: var(--orange); }
.page-hero .lead { max-width: 680px; margin-bottom: 0; color: var(--surface); font-size: clamp(1rem, 1.35vw, 1.12rem); line-height: 1.65; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 14px; color: var(--surface); font-size: .82rem; }
.breadcrumbs a { text-underline-offset: 3px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }

.split { display: grid; grid-template-columns: 1.12fr .88fr; gap: 70px; align-items: center; }
.about-photo { position: relative; min-height: 410px; overflow: hidden; margin: 0; border: 1px solid var(--line); border-radius: 30px; background: var(--surface); box-shadow: var(--shadow); }
.about-photo::after { content: ""; position: absolute; inset: 35% 0 0; background: linear-gradient(180deg, transparent, rgba(20,43,69,.82)); pointer-events: none; }
.about-photo img { width: 100%; height: 100%; min-height: 410px; object-fit: cover; object-position: 54% center; }
.about-photo figcaption { position: absolute; z-index: 1; left: 26px; right: 26px; bottom: 24px; display: grid; gap: 3px; color: var(--white); }
.about-photo figcaption strong { font-size: 1.08rem; }
.about-photo figcaption span { max-width: 430px; color: var(--surface); font-size: .86rem; line-height: 1.55; }
.value-grid, .service-grid, .package-grid, .article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.value-card, .service-card, .package-card, .article-card { border: 1px solid var(--line); border-radius: 22px; background: var(--white); }
.value-card { padding: 26px; }
.value-card strong { display: block; margin-bottom: 7px; color: var(--navy); font-size: 1.08rem; }
.value-card p { margin: 0; color: var(--muted); }

.service-card { min-height: 330px; display: flex; flex-direction: column; padding: 30px; }
.service-icon { display: grid; place-items: center; width: 54px; height: 54px; margin-bottom: 38px; border-radius: 17px; color: var(--green); background: var(--green-soft); font-size: 1.35rem; font-weight: 900; }
.service-card p { color: var(--muted); }
.service-card ul { margin: auto 0 24px; padding: 0; list-style: none; }
.service-card li { position: relative; margin: 8px 0; padding-left: 23px; color: var(--muted); }
.service-card li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 900; }
.service-card .button { align-self: flex-start; }
.service-card.wide { grid-column: span 2; }

.package-card { position: relative; padding: 30px; }
.package-card.highlight { border: 2px solid var(--green); box-shadow: 0 18px 50px rgba(41,185,173,.16); }
.package-label { display: inline-block; padding: 6px 10px; border-radius: 999px; color: var(--navy); background: var(--green-soft); font-size: .76rem; font-weight: 850; }
.package-card h3 { margin-top: 22px; }
.package-price { color: var(--navy); font-size: 1.7rem; font-weight: 900; }
.package-card ul { min-height: 155px; margin: 0 0 26px; padding: 0; list-style: none; }
.package-card li { position: relative; margin: 9px 0; padding-left: 24px; color: var(--muted); }
.package-card li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 900; }
.package-card .button { width: 100%; }
.package-summary { display: grid; gap: 10px; margin: 22px 0 26px; padding: 0; list-style: none; }
.package-summary li { display: flex; justify-content: space-between; gap: 18px; padding-bottom: 9px; border-bottom: 1px solid var(--line); color: var(--muted); }
.package-summary strong { color: var(--ink); text-align: right; }
.package-table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 22px; background: var(--white); box-shadow: 0 16px 46px rgba(20,43,69,.08); }
.package-table { width: 100%; min-width: 920px; border-collapse: collapse; }
.package-table th, .package-table td { padding: 20px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); text-align: center; vertical-align: middle; }
.package-table th:last-child, .package-table td:last-child { border-right: 0; }
.package-table tr:last-child td { border-bottom: 0; }
.package-table thead th { color: var(--white); background: var(--navy); font-size: 1.05rem; }
.package-table thead th:first-child { text-align: left; background: var(--navy-deep); }
.package-table tbody td:first-child { width: 37%; text-align: left; background: var(--surface); }
.package-table tbody td:first-child strong { display: block; margin-bottom: 4px; color: var(--navy); }
.package-table small { display: block; color: var(--muted); line-height: 1.55; }
.package-table .accent-cell { color: var(--navy); background: var(--green-soft); font-weight: 850; }
.rate-panel { margin-top: 30px; padding: 30px; border: 1px solid var(--line); border-radius: 22px; background: var(--white); }
.rate-panel h3 { margin-bottom: 18px; }
.rate-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.rate-item { padding: 18px; border-radius: 15px; background: var(--surface); }
.rate-item strong { display: block; color: var(--navy); }
.rate-item span { color: var(--muted); font-size: .9rem; }
.package-note { margin: 22px 0 0; color: var(--muted); font-size: .9rem; }
.custom-panel { display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: center; margin-top: 26px; padding: 38px; border-radius: 24px; color: var(--white); background: linear-gradient(135deg, var(--navy), var(--blue)); }
.custom-panel p { color: var(--surface); }
.custom-actions { display: flex; justify-content: flex-end; }

.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 24px 0; list-style: none; color: var(--ink); font-weight: 850; cursor: pointer; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; display: grid; place-items: center; flex: 0 0 34px; height: 34px; border-radius: 50%; color: var(--navy); background: var(--sky); font-size: 1.25rem; }
.faq-item[open] summary::after { content: "−"; }
.faq-answer { max-width: 850px; padding: 0 54px 24px 0; color: var(--muted); }
.faq-answer p:last-child { margin-bottom: 0; }

.category-nav { position: sticky; top: 98px; z-index: 20; padding: 12px; border: 1px solid var(--line); border-radius: 17px; background: rgba(255,255,255,.95); box-shadow: 0 12px 34px rgba(20,43,69,.09); backdrop-filter: blur(12px); }
.category-nav .container { width: 100%; display: flex; flex-wrap: wrap; gap: 8px; }
.category-nav a { padding: 9px 13px; border-radius: 10px; color: var(--ink); text-decoration: none; font-size: .86rem; font-weight: 800; }
.category-nav a:hover { color: var(--navy); background: var(--sky); }
.article-card { overflow: hidden; }
.article-card summary { min-height: 270px; display: flex; flex-direction: column; padding: 28px; list-style: none; cursor: pointer; }
.article-card summary::-webkit-details-marker { display: none; }
.article-tag { align-self: flex-start; padding: 6px 10px; border-radius: 999px; color: var(--navy); background: var(--green-soft); font-size: .76rem; font-weight: 850; }
.article-card h3 { margin: 34px 0 12px; font-size: 1.42rem; }
.article-card summary p { color: var(--muted); }
.article-open { margin-top: auto; color: var(--navy); font-weight: 850; }
.article-open::after { content: " +"; color: var(--orange); }
.article-card[open] .article-open::after { content: " −"; }
.article-body { padding: 0 28px 28px; color: var(--muted); }
.article-body p { margin: 0; padding-top: 22px; border-top: 1px solid var(--line); }
.topic-section { scroll-margin-top: 175px; }

.contact-layout { display: grid; grid-template-columns: .78fr 1.22fr; gap: 65px; align-items: start; }
.contact-info { padding: 34px; border-radius: 24px; color: var(--white); background: linear-gradient(145deg, var(--navy), var(--blue)); }
.contact-info p { color: var(--surface); }
.contact-list { display: grid; gap: 14px; margin-top: 28px; }
.contact-method { padding: 18px; border-radius: 14px; background: rgba(255,255,255,.1); }
.contact-method strong { display: block; color: var(--orange); }
.contact-form { padding: 32px; border: 1px solid var(--line); border-radius: 24px; background: var(--white); box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { color: var(--navy); font-size: .88rem; font-weight: 800; }
.field input, .field select, .field textarea { width: 100%; min-height: 50px; padding: 11px 13px; border: 1px solid rgba(34,108,134,.28); border-radius: 12px; color: var(--ink); background: var(--white); }
.field textarea { min-height: 125px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--green); outline: 3px solid rgba(41,185,173,.18); }
.form-note { margin: 14px 0 0; color: var(--muted); font-size: .8rem; }
.contact-form .button { width: 100%; margin-top: 18px; }

.assessment-layout { display: grid; grid-template-columns: .72fr 1.28fr; gap: 44px; align-items: start; }
.assessment-section { padding: 58px 0; }
.assessment-guide { position: sticky; top: 112px; padding: 30px; border-radius: 24px; color: var(--white); background: linear-gradient(145deg, var(--navy), var(--blue)); }
.assessment-guide h2 { font-size: clamp(1.6rem, 2.5vw, 2.1rem); }
.assessment-guide p { color: var(--surface); }
.assessment-main { display: grid; gap: 22px; }
.safe-list { display: grid; gap: 12px; margin: 24px 0 0; padding: 0; list-style: none; }
.safe-list li { position: relative; padding: 14px 16px 14px 46px; border-radius: 14px; background: rgba(255,255,255,.1); }
.safe-list li::before { content: "✓"; position: absolute; left: 17px; color: var(--orange); font-weight: 900; }
.guide-safety { margin: 20px 0 0; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.16); font-size: .8rem; }
.assessment-form { padding: 32px; border: 1px solid var(--line); border-radius: 24px; background: var(--white); box-shadow: var(--shadow); }
.wizard-form { overflow: hidden; padding: 0; }
.wizard-progress { padding: 22px 26px 18px; border-bottom: 1px solid var(--line); background: var(--surface); }
.wizard-progress-head { display: flex; justify-content: space-between; gap: 18px; margin-bottom: 10px; color: var(--muted); font-size: .8rem; }
.wizard-progress-head strong { color: var(--navy); }
.wizard-track { height: 7px; overflow: hidden; border-radius: 999px; background: rgba(34,108,134,.12); }
.wizard-track span { display: block; width: 25%; height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--blue), var(--green)); transition: width .28s ease; }
.wizard-progress ol { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; margin: 10px 0 0; padding: 0; list-style: none; color: var(--muted); font-size: .7rem; text-align: center; }
.wizard-progress li.active { color: var(--navy); font-weight: 850; }
.wizard-panel { padding: 30px; }
.wizard-panel[hidden] { display: none; }
.wizard-panel > .lead { margin-bottom: 24px; }
.stage-choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.choice-card { position: relative; min-height: 126px; display: grid; grid-template-columns: 46px 1fr; grid-template-rows: auto auto; column-gap: 13px; align-content: center; padding: 18px; border: 1px solid var(--line); border-radius: 17px; background: var(--white); cursor: pointer; transition: border-color .18s ease, background .18s ease, transform .18s ease; }
.choice-card:last-child { grid-column: 1 / -1; min-height: 100px; }
.choice-card:hover { border-color: rgba(41,185,173,.65); transform: translateY(-2px); }
.choice-card:has(input:checked) { border-color: var(--green); background: var(--green-soft); box-shadow: 0 10px 30px rgba(41,185,173,.12); }
.choice-card:focus-within { outline: 3px solid rgba(41,185,173,.2); outline-offset: 2px; }
.choice-card input { position: absolute; opacity: 0; pointer-events: none; }
.choice-icon { grid-row: 1 / 3; display: grid; place-items: center; width: 46px; height: 46px; border-radius: 14px; color: var(--blue); background: rgba(34,108,134,.09); font-size: 1.2rem; font-weight: 900; }
.choice-card:has(input:checked) .choice-icon { color: var(--white); background: var(--green); }
.choice-card strong { align-self: end; color: var(--navy); font-size: 1rem; }
.choice-card small { align-self: start; color: var(--muted); font-size: .76rem; line-height: 1.45; }
.wizard-actions { display: flex; justify-content: space-between; gap: 10px; margin-top: 24px; }
.wizard-actions .button { width: auto; min-width: 126px; margin-top: 0; }
.wizard-error { min-height: 1.5em; margin: 12px 0 -12px; color: #a13a3a; font-size: .82rem; font-weight: 750; }
.amount-question { padding: 20px; border: 1px solid var(--line); border-radius: 18px; background: var(--surface); }
.amount-question + .amount-question { margin-top: 14px; }
.amount-question h3 { margin-bottom: 14px; font-size: 1.08rem; }
.quick-amounts { display: flex; flex-wrap: wrap; gap: 8px; }
.quick-amounts button { min-height: 42px; padding: 8px 13px; border: 1px solid var(--line); border-radius: 12px; color: var(--navy); background: var(--white); font-size: .84rem; font-weight: 780; cursor: pointer; }
.quick-amounts button:hover, .quick-amounts button.active { color: var(--white); border-color: var(--blue); background: var(--blue); }
.custom-amount { display: grid; grid-template-columns: 1fr 180px; gap: 14px; align-items: center; margin-top: 14px; color: var(--muted); font-size: .8rem; }
.custom-amount input { width: 100%; min-height: 44px; padding: 9px 12px; border: 1px solid rgba(34,108,134,.25); border-radius: 11px; color: var(--ink); background: var(--white); }
.simple-question { margin-bottom: 24px; }
.simple-question h3 { margin-bottom: 12px; }
.compact-choices { display: flex; flex-wrap: wrap; gap: 8px; }
.compact-choices label { position: relative; cursor: pointer; }
.compact-choices input { position: absolute; opacity: 0; pointer-events: none; }
.compact-choices span { display: grid; place-items: center; min-height: 44px; padding: 8px 16px; border: 1px solid var(--line); border-radius: 12px; color: var(--navy); background: var(--white); font-size: .86rem; font-weight: 800; }
.compact-choices label:has(input:checked) span { color: var(--white); border-color: var(--blue); background: var(--blue); }
.form-section { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--line); }
.form-section:first-of-type { margin-top: 0; padding-top: 0; border-top: 0; }
.form-section h3 { margin-bottom: 16px; }
.form-section h3 small { color: var(--muted); font-size: .78rem; font-weight: 700; letter-spacing: 0; }
.field-hint { margin: -2px 0 0; color: var(--muted); font-size: .78rem; }
.contact-intro { margin: -8px 0 16px; }
.debt-section-heading { display: flex; justify-content: space-between; gap: 18px; align-items: flex-start; margin-bottom: 16px; }
.debt-section-heading h3 { margin-bottom: 7px; }
.account-count { flex: 0 0 auto; padding: 6px 10px; border-radius: 999px; color: var(--blue); background: var(--green-soft); font-size: .76rem; font-weight: 850; }
.debt-accounts { display: grid; gap: 12px; }
.debt-account { padding: 18px; border: 1px solid var(--line); border-radius: 16px; background: var(--surface); }
.debt-account-head { display: flex; justify-content: space-between; align-items: center; gap: 16px; margin-bottom: 14px; color: var(--navy); }
.remove-debt { padding: 5px 9px; border: 0; border-radius: 9px; color: var(--blue); background: rgba(34,108,134,.09); font-size: .76rem; font-weight: 800; cursor: pointer; }
.remove-debt:hover { color: var(--white); background: var(--blue); }
.debt-account .field > span { color: var(--navy); font-size: .88rem; font-weight: 800; }
.debt-account .field input, .debt-account .field select { width: 100%; min-height: 48px; padding: 10px 12px; border: 1px solid rgba(34,108,134,.25); border-radius: 11px; color: var(--ink); background: var(--white); }
.debt-account .field input:focus, .debt-account .field select:focus { border-color: var(--green); outline: 3px solid rgba(41,185,173,.18); }
.account-question + .account-question { margin-top: 16px; }
.account-question > span { display: block; margin-bottom: 9px; color: var(--navy); font-size: .84rem; font-weight: 820; }
.account-choice-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 7px; }
.account-choice-grid button, .status-choice-grid button { min-height: 52px; padding: 8px; border: 1px solid var(--line); border-radius: 11px; color: var(--navy); background: var(--white); font-size: .77rem; font-weight: 780; cursor: pointer; }
.account-choice-grid button { display: grid; grid-template-columns: 27px 1fr; align-items: center; text-align: left; }
.account-choice-grid b { display: grid; place-items: center; width: 27px; height: 27px; border-radius: 9px; color: var(--blue); background: rgba(34,108,134,.09); }
.account-choice-grid button.active, .status-choice-grid button.active { color: var(--white); border-color: var(--blue); background: var(--blue); }
.account-choice-grid button.active b { color: var(--blue); background: var(--white); }
.status-choice-grid { display: flex; flex-wrap: wrap; gap: 7px; }
.status-choice-grid button { min-height: 40px; padding: 7px 11px; }
.optional-account-details { margin-top: 16px; border-top: 1px solid var(--line); }
.optional-account-details summary { padding-top: 14px; color: var(--blue); font-size: .82rem; font-weight: 820; cursor: pointer; }
.optional-account-details summary span { color: var(--muted); font-weight: 650; }
.optional-account-details .form-grid { margin-top: 14px; }
.assessment-form .add-debt { width: auto; min-height: 44px; margin-top: 12px; }
.assessment-form .add-debt[hidden], .remove-debt[hidden] { display: none; }
.safety-note { display: grid; grid-template-columns: 42px 1fr; gap: 12px; align-items: center; margin-top: 18px; padding: 15px 17px; border: 1px solid var(--line); border-radius: 14px; background: var(--surface); }
.safety-note > span { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 13px; background: var(--white); }
.safety-note p { margin: 0; color: var(--muted); font-size: .83rem; line-height: 1.55; }
.safety-note strong { display: block; color: var(--navy); }
.result-contact { margin-top: 22px; padding: 22px; border: 1px solid rgba(41,185,173,.42); border-radius: 18px; background: linear-gradient(145deg, var(--white), var(--green-soft)); }
.result-contact[hidden] { display: none; }
.contact-capture-head { display: flex; gap: 13px; align-items: center; margin-bottom: 18px; }
.contact-capture-head .choice-icon { flex: 0 0 44px; width: 44px; height: 44px; color: var(--white); background: var(--green); }
.contact-capture-head h3 { margin: 0 0 2px; }
.contact-capture-head .eyebrow { margin-bottom: 2px; }
.contact-capture-head p { margin: 0; color: var(--muted); font-size: .8rem; }
.help-goal { margin: 18px 0 0; padding: 0; border: 0; }
.help-goal legend { margin-bottom: 10px; color: var(--navy); font-size: .88rem; font-weight: 800; }
.optional-note { margin-top: 16px; border-top: 1px solid var(--line); }
.optional-note summary { padding: 14px 0; color: var(--blue); font-size: .84rem; font-weight: 820; cursor: pointer; }
.optional-note summary span { color: var(--muted); font-weight: 650; }
.optional-note .field { margin-top: 2px; }
.consent-box { margin-top: 18px; padding: 15px; border: 1px solid var(--line); border-radius: 14px; background: var(--white); }
.consent-box .privacy-check { margin-top: 0; }
.consent-box .optional-consent { margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--line); }
.contact-form-error { min-height: 1.5em; margin: 12px 0 0; color: #a13a3a; font-size: .82rem; font-weight: 750; }
.contact-form-actions { display: flex; gap: 10px; margin-top: 10px; }
.contact-form-actions .button { width: auto; margin-top: 0; }
.wizard-review { display: grid; gap: 10px; margin: 20px 0; }
.wizard-review div { display: flex; justify-content: space-between; gap: 20px; padding: 14px 16px; border: 1px solid var(--line); border-radius: 13px; background: var(--surface); }
.wizard-review span { color: var(--muted); font-size: .82rem; }
.wizard-review strong { color: var(--navy); text-align: right; }
.privacy-check { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; margin-top: 18px; color: var(--muted); font-size: .86rem; }
.privacy-check input { width: 18px; height: 18px; margin: 4px 0 0; accent-color: var(--green); }
.privacy-summary { margin-top: 16px; padding: 15px 17px; border: 1px solid var(--line); border-radius: 14px; background: var(--surface); color: var(--muted); font-size: .82rem; }
.privacy-summary summary { color: var(--ink); font-weight: 850; cursor: pointer; }
.privacy-summary p { margin: 10px 0 0; }
.privacy-summary a { color: var(--blue); font-weight: 800; }
.assessment-form .button { width: 100%; margin-top: 20px; }
.assessment-result { padding: 32px; border: 1px solid rgba(41,185,173,.42); border-radius: 24px; background: linear-gradient(145deg, var(--white), var(--green-soft)); box-shadow: var(--shadow); }
.assessment-result[hidden] { display: none; }
.result-level { display: inline-flex; margin: 0 0 16px; padding: 7px 12px; border-radius: 999px; color: var(--navy); background: rgba(41,185,173,.16); font-size: .8rem; font-weight: 900; }
.assessment-result h2 { max-width: 700px; }
.assessment-result > p { color: var(--muted); }
.result-metrics { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin: 22px 0; }
.result-metrics article { min-height: 105px; display: flex; flex-direction: column; justify-content: space-between; padding: 16px; border: 1px solid var(--line); border-radius: 15px; background: var(--white); }
.result-metrics span { color: var(--muted); font-size: .78rem; font-weight: 760; }
.result-metrics strong { color: var(--navy); font-size: 1.08rem; line-height: 1.45; }
.result-metrics .metric-highlight { border-color: rgba(41,185,173,.5); background: rgba(41,185,173,.1); }
.target-note { margin: -10px 0 22px; font-size: .78rem; }
.result-explanation { margin: 0 0 22px; padding: 18px; border-radius: 15px; background: rgba(34,108,134,.08); }
.result-explanation h3 { margin-bottom: 10px; }
.result-explanation ul { margin: 0; padding-left: 22px; color: var(--muted); }
.result-explanation li { margin: 7px 0; }
.result-steps { display: grid; gap: 10px; margin: 18px 0 22px; padding: 0; list-style: none; counter-reset: result-step; }
.result-steps li { position: relative; min-height: 48px; padding: 12px 14px 12px 52px; border: 1px solid var(--line); border-radius: 14px; background: var(--white); color: var(--ink); }
.result-steps li::before { counter-increment: result-step; content: counter(result-step); position: absolute; left: 13px; top: 11px; display: grid; place-items: center; width: 28px; height: 28px; border-radius: 50%; color: var(--white); background: var(--green); font-weight: 900; }
.result-plan { margin: 24px 0 22px; padding: 20px; border-radius: 17px; color: var(--white); background: linear-gradient(135deg, var(--navy), var(--blue)); }
.result-plan h3 { margin-bottom: 14px; color: var(--white); }
.result-plan ol { display: grid; gap: 10px; margin: 0; padding: 0; list-style: none; }
.result-plan li { display: grid; grid-template-columns: 82px 1fr; gap: 12px; align-items: start; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.16); }
.result-plan li:first-child { padding-top: 0; border-top: 0; }
.result-plan li span { color: var(--green); font-size: .78rem; font-weight: 900; }
.result-plan li strong { color: var(--white); font-size: .94rem; line-height: 1.55; }
.result-service { display: grid; gap: 4px; padding: 17px 18px; border-radius: 15px; color: var(--white); background: var(--navy); }
.result-service span { color: var(--orange); font-size: .78rem; font-weight: 850; }
.result-service strong { font-size: 1.05rem; }
.result-caution { display: grid; gap: 4px; margin-bottom: 10px; padding: 17px 18px; border: 1px solid rgba(34,108,134,.22); border-radius: 15px; background: var(--white); }
.result-caution span { color: var(--muted); font-size: .78rem; font-weight: 850; }
.result-caution strong { color: var(--ink); font-size: 1rem; }
.result-route { margin-top: 22px; padding: 20px; border: 1px solid var(--line); border-radius: 17px; background: var(--white); }
.result-route .eyebrow { margin-bottom: 8px; }
.result-route h3 { margin-bottom: 8px; }
.result-route > p:not(.eyebrow) { color: var(--muted); }
.route-options { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }
.route-options > div { display: grid; gap: 5px; padding: 15px; border: 1px solid var(--line); border-radius: 13px; }
.route-options strong { color: var(--navy); }
.route-options span { color: var(--muted); font-size: .82rem; }
.route-options .recommended-route { border-color: rgba(41,185,173,.52); background: var(--green-soft); }
.result-disclaimer { margin: 16px 0 0; font-size: .8rem; }
.result-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }
.result-actions .button { margin: 0; }

.site-footer { padding: 56px 0 28px; color: var(--surface); background: var(--navy); }
.footer-grid { display: grid; grid-template-columns: 1.5fr .75fr .75fr; gap: 60px; padding-bottom: 42px; }
.site-footer .brand { padding: 9px 13px; border-radius: 16px; background: var(--white); }
.site-footer .brand-logo { width: 230px; height: 66px; }
.footer-about { max-width: 450px; margin: 20px 0 0; color: var(--surface); }
.footer-title { margin-bottom: 14px; color: var(--white); font-weight: 850; }
.footer-links { display: grid; gap: 8px; }
.footer-links a { color: var(--surface); text-decoration: none; }
.footer-links a:hover { color: var(--orange); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 22px; border-top: 1px solid rgba(242,248,247,.18); color: var(--surface); font-size: .82rem; }

@media (max-width: 1040px) {
  .topbar { display: none; }
  .site-header { height: 72px; }
  .brand-logo { width: 165px; height: 54px; }
  .menu-toggle { display: block; }
  .nav-links { position: fixed; inset: 72px 0 auto; display: grid; gap: 0; max-height: calc(100vh - 72px); overflow: auto; padding: 12px 20px 24px; border-bottom: 1px solid var(--line); background: var(--white); box-shadow: 0 24px 45px rgba(20,43,69,.14); transform: translateY(-130%); opacity: 0; pointer-events: none; transition: transform .25s ease, opacity .2s ease; }
  .nav-links.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .nav-links > a, .nav-dropdown > summary { padding: 14px 4px; border-bottom: 1px solid var(--line); font-size: .95rem; }
  .nav-links .button { margin-top: 14px; border: 0; }
  .nav-dropdown { width: 100%; }
  .nav-dropdown > summary { justify-content: space-between; }
  .submenu { position: static; width: 100%; padding: 6px 0 8px 14px; border: 0; border-radius: 0; box-shadow: none; transform: none; }
  .submenu a { padding: 9px 12px; }
  .split, .contact-layout, .assessment-layout, .custom-panel { grid-template-columns: 1fr; }
  .assessment-guide { position: static; }
  .about-photo, .about-photo img { min-height: 320px; }
  .custom-actions { justify-content: flex-start; }
  .service-grid, .package-grid, .article-grid { grid-template-columns: 1fr; }
  .service-card.wide { grid-column: auto; }
  .package-card ul { min-height: 0; }
  .rate-list { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 680px) {
  :root { --container: min(100% - 28px, 1180px); }
  .page-hero { padding: 24px 0 22px; }
  .page-hero h1 { font-size: clamp(1.7rem, 7.5vw, 2.15rem); }
  .page-hero .lead { font-size: .96rem; line-height: 1.6; }
  .section { padding: 78px 0; }
  .assessment-section { padding: 28px 0 46px; }
  .assessment-guide { display: none; }
  .value-grid { grid-template-columns: 1fr; }
  .about-photo, .about-photo img { min-height: 280px; }
  .about-photo figcaption { left: 18px; right: 18px; bottom: 17px; }
  .form-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: 1; }
  .contact-form { padding: 24px 18px; }
  .assessment-form { padding: 24px 18px; }
  .wizard-form { padding: 0; }
  .wizard-progress { padding: 18px 16px 14px; }
  .wizard-progress ol { font-size: .63rem; }
  .wizard-panel { padding: 24px 18px; }
  .stage-choice-grid { grid-template-columns: 1fr; }
  .choice-card:last-child { grid-column: auto; }
  .custom-amount { grid-template-columns: 1fr; gap: 7px; }
  .account-choice-grid { grid-template-columns: repeat(2, 1fr); }
  .wizard-actions .button { flex: 1; min-width: 0; }
  .wizard-review div { display: grid; gap: 3px; }
  .wizard-review strong { text-align: left; }
  .result-contact { padding: 18px 14px; }
  .contact-form-actions { display: grid; }
  .contact-form-actions .button { width: 100%; }
  .assessment-result { padding: 24px 18px; }
  .result-metrics { grid-template-columns: 1fr; }
  .debt-section-heading { display: grid; }
  .account-count { justify-self: start; }
  .route-options { grid-template-columns: 1fr; }
  .result-plan li { grid-template-columns: 70px 1fr; }
  .result-actions .button { width: 100%; }
  .category-nav { top: 82px; overflow-x: auto; }
  .category-nav .container { width: max-content; flex-wrap: nowrap; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; }
  .footer-brand { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

@media print {
  body { background: var(--white); }
  body * { visibility: hidden !important; }
  .assessment-result, .assessment-result * { visibility: visible !important; }
  .assessment-result { position: absolute; inset: 0 auto auto 0; width: 100%; padding: 18px; border: 0; box-shadow: none; }
  .result-actions { display: none !important; }
  .result-metrics article, .result-steps li, .result-explanation, .result-plan, .result-caution, .result-service, .result-route { break-inside: avoid; }
}