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var(--aqua)}.split-card-label{font-family:Geist,sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--mute);margin-bottom:var(--space-2)}.split-card-amount{font-family:Fraunces,serif;font-size:28px;font-weight:700;color:var(--ink);margin-bottom:var(--space-1)}.split-card.interest .split-card-amount{color:var(--coral)}.split-card.principal .split-card-amount{color:var(--teal)}.split-card-note{font-family:Geist,sans-serif;font-size:var(--text-xs);color:var(--mute);line-height:1.5}.amort-table{width:100%;border-collapse:collapse;margin:var(--space-5) 0;font-family:Geist,sans-serif;font-size:var(--text-base)}.amort-table th{background:var(--teal);color:var(--cream);text-align:left;padding:10px 14px;font-size:var(--text-xs);font-weight:700;text-transform:uppercase;letter-spacing:.07em}.amort-table td{padding:10px 14px;border-bottom:1px solid var(--line);color:var(--ink)}.amort-table tr:last-child td{border-bottom:none}.amort-table 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p:last-child{margin-bottom:0}.article strong{font-weight:600}.article a{color:var(--teal-mid);text-decoration:underline;text-decoration-color:#1f7a864d}.article a:hover{color:var(--teal)}.article ul,.article ol{font-family:Fraunces,serif;font-size:var(--text-lg);font-weight:300;color:var(--ink);line-height:1.85;margin-bottom:20px;padding-left:var(--space-5)}.article li{margin-bottom:var(--space-2)}.pull-quote{border-left:4px solid var(--coral);padding:20px 28px;margin:36px 0}.pull-quote p{font-family:"Instrument Serif",serif;font-style:italic;font-size:1.2rem;color:var(--ink);line-height:1.5;margin:0}.stat-box{background:var(--aqua);border:1px solid rgba(11,31,35,.1);border-radius:14px;padding:28px var(--space-6);margin:var(--space-6) 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h3{font-family:Geist,sans-serif;font-size:1rem;font-weight:700;color:var(--ink);margin:0 0 10px;line-height:1.4}.faq-item p{font-family:Geist,sans-serif;font-size:var(--text-md);color:var(--ink);line-height:1.75;margin:0}.cta-strip{background:var(--teal);border-radius:14px;padding:28px var(--space-6);margin:var(--space-7) 0;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}.cta-strip p{font-family:Geist,sans-serif;color:#faf4e8eb;font-size:16px;font-weight:600;margin:0}.cta-strip a{background:var(--cream);color:var(--teal);padding:10px 22px;border-radius:8px;font-family:Geist,sans-serif;font-weight:700;font-size:var(--text-base);flex-shrink:0;text-decoration:none}.cta-strip a:hover{background:var(--aqua);text-decoration:none}.author-info p{font-family:Geist,sans-serif;font-size:var(--text-sm);color:var(--mute);margin:0}.author-info strong{font-family:Geist,sans-serif;font-size:var(--text-md);color:var(--ink);display:block;margin-bottom:2px}.related{max-width:720px;margin:0 auto;padding:0 var(--space-6) 80px}.related-card-type{font-family:Geist,sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--mute);margin-bottom:6px}.related-card h4{font-family:Geist,sans-serif;font-size:var(--text-md);font-weight:700;color:var(--ink);line-height:1.4;margin:0}@media (max-width:600px){.stat-box{flex-direction:column;gap:var(--space-3)}.tip-grid{grid-template-columns:1fr}.cta-strip{flex-direction:column;text-align:center}.article{padding:var(--space-7) var(--space-4) var(--space-8)}.post-hero{padding:56px 0 var(--space-7)}.author-card,.related{padding-left:var(--space-4);padding-right:var(--space-4)}}.post-breadcrumb{display:none!important}.post-card{display:block;text-decoration:none;color:var(--ink);transition:transform 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var(--duration-fast)}.tpl-btn:hover{background:#ffffff52;color:#fff}.tpl-label{font-size:.78rem;color:#ffffffa6;margin-bottom:var(--space-2);letter-spacing:.04em}.calc-outer{max-width:1100px;margin:0 auto;padding:var(--space-7) var(--space-5) 80px}.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}.calc-results-col{position:sticky;top:24px;display:flex;flex-direction:column;gap:20px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px var(--space-6);box-shadow:var(--shadow)}.card h2{font-size:1.05rem;font-weight:800;margin-bottom:20px;letter-spacing:-.2px}.card-label{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--mute);margin-bottom:14px}.debt-row{display:grid;grid-template-columns:1fr 110px 96px 110px 36px;gap:10px;align-items:end;margin-bottom:var(--space-3)}.field{display:flex;flex-direction:column;gap:var(--space-1)}.field 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h3{font-size:.9rem;font-weight:800;margin-bottom:6px}.method-card.active h3{color:var(--teal)}.method-card p{font-size:.82rem;color:var(--ink);line-height:1.55;margin:0 0 6px}.method-verdict{font-size:.78rem;font-weight:700;color:var(--mute)}.method-card.active .method-verdict{color:var(--teal)}.extra-section label{font-size:.88rem;font-weight:700}.extra-hint{font-size:.78rem;color:var(--mute);margin:var(--space-1) 0 10px}.rate-row input[type=range]{flex:1;-webkit-appearance:none;height:6px;border-radius:3px;background:var(--line);cursor:pointer}.rate-row input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--teal);border:2px solid #fff;box-shadow:0 1px 4px #0003;cursor:pointer}.rate-display{min-width:68px;text-align:right;font-size:1.05rem;font-weight:700;color:var(--teal)}#custom-order-wrap{margin-top:var(--space-4)}#custom-order-wrap 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90px;align-items:center;gap:10px}.bar-label{font-size:.8rem;font-weight:600;color:var(--ink);text-align:right}.bar-track{background:var(--line);border-radius:100px;height:13px;overflow:hidden}.bar-fill.min-pay{background:linear-gradient(90deg,#94a3b8,#64748b)}.bar-fill.cur-pay{background:linear-gradient(90deg,var(--teal),#7BC2C9)}.bar-fill.extra50{background:linear-gradient(90deg,#4a9e71,#2dd4bf)}.bar-fill.extra100{background:linear-gradient(90deg,var(--positive),#4ade80)}.bar-val{font-size:.82rem;font-weight:700;color:var(--ink)}.po-item{display:flex;align-items:center;gap:10px;padding:var(--space-2) 0;border-bottom:1px solid 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h2{font-size:1.5rem;font-weight:800;color:#fff;margin-bottom:var(--space-3)}.calc-faq-item{background:#fff;border:1px solid var(--border);border-radius:14px;margin-bottom:14px;overflow:hidden}.calc-faq-item summary{display:flex;justify-content:space-between;align-items:center;gap:16px;font-family:Fraunces,serif;font-size:22px;cursor:pointer;outline:none;list-style:none;padding:22px 28px}.calc-faq-item summary::-webkit-details-marker{display:none}.calc-faq-item summary::marker{content:""}.calc-faq-item summary>svg{flex-shrink:0;color:var(--brand);transition:transform .25s ease}.calc-faq-item[open] summary>svg{transform:rotate(180deg)}.calc-faq-item>p{padding:0 28px 22px;font-size:16px;line-height:1.65;margin:0;color:var(--text-muted)}@media (max-width: 640px){.hero{padding:var(--space-7) var(--space-4) 56px}.page-content{padding:40px var(--space-4) 56px}.calc-grid{grid-template-columns:1fr}}.philosophy-callout p{color:#0b1f23;font-size:.96rem;line-height:1.75;margin-bottom:10px}.vs-card.dead{opacity:.85;border-style:dashed}.status-badge{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;padding:3px 9px;border-radius:100px;margin-bottom:10px}.status-active{background:var(--positive-soft);color:var(--positive)}.status-dead{background:var(--negative-soft);color:var(--negative)}.compare-table td.dead{color:var(--negative);font-weight:600}.verdict-card.win-them h3{color:#0b1f239e}.verdict-card.win-them li:before{content:"\2713";position:absolute;left:0;color:#0b1f2373;font-weight:700}.callout{background:#fffbeb;border:1px solid #fde68a;border-radius:12px;padding:18px 22px;margin-bottom:40px;font-size:.95rem;color:#92400e;line-height:1.65}.callout strong{color:#78350f}.hero{background:linear-gradient(135deg,var(--brand-deep) 0%,var(--brand) 60%,#6e7ec4 100%);color:#fff;padding:72px var(--space-6) 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p:last-child{margin-bottom:0}.cta-strip{background:linear-gradient(135deg,var(--brand-deep) 0%,var(--brand) 100%);border-radius:18px;padding:var(--space-7) var(--space-6);text-align:center;color:#fff}.cta-strip p{color:#ffffffd1;margin-bottom:var(--space-5)}@media (max-width: 760px){.vs-row{grid-template-columns:1fr;gap:14px}.verdict-grid{grid-template-columns:1fr}}.hero p{font-size:1.05rem;color:#ffffffd9;max-width:540px;margin:0 auto}.container{max-width:760px;margin:0 auto;padding:56px var(--space-6) 80px}.channels{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:var(--space-4);margin-bottom:var(--space-7)}.channel{background:#fff;border:1px solid var(--border);border-radius:14px;padding:var(--space-5) 22px;transition:box-shadow var(--duration-fast),transform var(--duration-fast)}.channel:hover{box-shadow:0 6px 20px #0000000f;transform:translateY(-2px)}.channel-icon{font-size:1.6rem;margin-bottom:var(--space-3)}.channel h3{font-size:1rem;font-weight:800;color:var(--text);margin-bottom:6px}.channel p{font-size:.9rem;color:var(--text-muted);margin-bottom:14px;line-height:1.55}.channel a.channel-cta{font-weight:700;font-size:.92rem;color:var(--accent);text-decoration:none}.form-card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:36px;margin-bottom:var(--space-6)}.form-card h2{font-size:1.25rem;font-weight:800;color:var(--text);margin-bottom:var(--space-2);letter-spacing:-.2px}.form-card .muted{color:var(--text-muted);margin-bottom:var(--space-5);font-size:.95rem}label{display:block;font-size:var(--text-sm);font-weight:600;color:var(--text);margin-bottom:6px}input[type=text],input[type=email],select,textarea{width:100%;padding:11px 14px;border:1px solid var(--border);border-radius:10px;font-size:var(--text-base);font-family:inherit;color:var(--text);background:#fff;transition:border var(--duration-fast),box-shadow 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h3{font-size:.95rem;font-weight:800;color:var(--brand-deep);margin-bottom:var(--space-1)}.response-time p{font-size:.9rem;color:var(--brand-deep);margin:0}.faq-link{background:#fff;border:1px solid var(--border);border-radius:12px;padding:22px 26px;margin-top:var(--space-6);text-align:center}.faq-link h3{font-size:1rem;font-weight:700;color:var(--text);margin-bottom:6px}.faq-link p{font-size:.92rem;color:var(--text-muted);margin:0 0 14px}@media (max-width: 600px){.container{padding:36px var(--space-4) 56px}.form-card{padding:var(--space-5) 22px}.form-row{grid-template-columns:1fr}footer{padding:28px var(--space-4)}.footer-inner{flex-direction:column;align-items:flex-start}}.guide-card{display:block;text-decoration:none;color:var(--ink);padding:28px var(--space-6);border:1px solid var(--line);border-radius:18px;background:var(--cream);transition:box-shadow var(--duration-base),transform var(--duration-base)}.guide-card:hover{box-shadow:0 12px 32px 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0;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:var(--space-5);font-family:Fraunces,serif;font-size:22px;font-weight:500;color:var(--ink)}.faq-accordion details summary::-webkit-details-marker{display:none}.faq-accordion details summary:after{content:"+";font-size:28px;color:var(--teal);font-weight:300;transition:transform var(--duration-base);flex-shrink:0;font-family:Geist,sans-serif}.faq-accordion details[open] summary:after{transform:rotate(45deg)}.faq-accordion details[open] summary{color:var(--teal)}.faq-accordion details>div{padding:0 0 28px;font-family:Fraunces,serif;font-weight:300;font-size:16px;line-height:1.7;color:#2a3940;max-width:680px}.faq-accordion details>div p{margin:0 0 14px}.feat-row{padding:120px 0}.feat-row .frame{display:grid;grid-template-columns:1fr 1.1fr;gap:80px;align-items:center}.feat-row.flip .frame{grid-template-columns:1.1fr 1fr}.feat-row.flip .feat-text{order:2}.feat-row.flip .feat-vis{order:1}.feat-num{font-size:var(--text-base);font-weight:500;color:var(--teal-mid);letter-spacing:.04em;margin-bottom:18px;display:flex;align-items:center;gap:10px}.feat-num:after{content:"";flex:1;height:1px;background:var(--teal-mid);opacity:.3}.feat-h{font-size:64px;line-height:.96;margin-bottom:var(--space-5)}.feat-p{font-size:18px;line-height:1.55;color:var(--mute);margin-bottom:28px;max-width:520px}.feat-list{list-style:none;padding:0;margin:0 0 var(--space-6);display:flex;flex-direction:column;gap:14px}.feat-list li{display:flex;gap:14px;align-items:flex-start;font-size:var(--text-md);line-height:1.5}.feat-list li .b{width:24px;height:24px;border-radius:50%;background:var(--aqua);color:var(--teal);flex-shrink:0;display:inline-flex;align-items:center;justify-content:center;font-weight:700;font-size:var(--text-sm)}.device{background:var(--cream);border-radius:18px;box-shadow:0 30px 60px -20px #0e4a5240;overflow:hidden}.device .bar{height:34px;background:var(--cream-deep);display:flex;align-items:center;padding:0 14px;gap:6px}.device .bar span{width:9px;height:9px;border-radius:50%}@media (max-width:768px){.feat-row{padding:64px 0}.feat-row .frame{grid-template-columns:1fr!important;gap:var(--space-6)!important}.feat-row.flip .feat-text{order:1!important}.feat-row.flip .feat-vis{order:2!important}.feat-h{font-size:clamp(34px,7vw,52px)!important}}.header-actions{display:flex;gap:10px;align-items:center;margin-left:auto}.btn{display:inline-flex;align-items:center;gap:6px;padding:9px 20px;border-radius:8px;font-size:var(--text-base);font-weight:600;cursor:pointer;transition:all var(--duration-fast);border:none;text-decoration:none}.btn-white{background:#fff;color:var(--brand-deep)}.btn-white:hover{background:#f2e8d2}.btn-primary{background:var(--accent);color:#fff}.btn-lg{padding:14px var(--space-6);font-size:16px;border-radius:10px}.hero{background:linear-gradient(135deg,var(--brand-deep) 0%,var(--brand) 55%,#7BC2C9 100%);color:#fff;padding:88px var(--space-6) 80px;text-align:center;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 55% 45% at 20% 80%,rgba(165,180,252,.18) 0%,transparent 60%),radial-gradient(ellipse 40% 35% at 80% 15%,rgba(165,180,252,.14) 0%,transparent 55%);pointer-events:none}.hero-inner{position:relative;max-width:760px;margin:0 auto}.hero-badge{display:inline-flex;align-items:center;gap:7px;background:#ffffff24;color:#fffffff2;font-size:var(--text-sm);font-weight:700;padding:6px var(--space-4);border-radius:100px;border:1px solid rgba(255,255,255,.28);margin-bottom:var(--space-5)}.hero h1{font-size:clamp(2.1rem,5.5vw,3rem);font-weight:900;line-height:1.12;letter-spacing:-.6px;margin-bottom:20px}.hero h1 em{font-style:normal;color:#a5f3fc}.hero-sub{font-size:1.15rem;color:#ffffffd1;max-width:560px;margin:0 auto 36px;line-height:1.65}.hero-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}.hero-note{margin-top:18px;font-size:var(--text-sm);color:#ffffff8c}.proof-strip{background:var(--bg);border-bottom:1px solid var(--border);padding:20px var(--space-6)}.proof-strip-inner{max-width:900px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap}.proof-item{text-align:center}.proof-val{font-size:1.6rem;font-weight:900;color:var(--brand);letter-spacing:-.5px}.proof-label{font-size:var(--text-xs);color:var(--text-muted);font-weight:600;text-transform:uppercase;letter-spacing:.05em}.section{max-width:960px;margin:0 auto;padding:80px var(--space-6)}.section-label{font-size:var(--text-xs);font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:var(--brand);margin-bottom:var(--space-3)}.section-heading{font-size:clamp(1.5rem,3.5vw,2rem);font-weight:900;color:var(--text);letter-spacing:-.3px;margin-bottom:var(--space-4);line-height:1.2}.section-sub{font-size:1.05rem;color:var(--text-muted);max-width:600px;line-height:1.7;margin-bottom:var(--space-7)}.features-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-5)}.feature-card{background:var(--bg);border:1px solid var(--border);border-radius:16px;padding:28px 26px}.feature-icon{font-size:1.8rem;margin-bottom:14px;display:block}.feature-card h3{font-size:1rem;font-weight:800;color:var(--text);margin-bottom:var(--space-2)}.feature-card p{font-size:.9rem;color:var(--text-muted);line-height:1.65;margin:0}.free-section{background:var(--teal-light);border-top:1px solid var(--teal-mid);border-bottom:1px solid var(--teal-mid);padding:var(--space-8) var(--space-6)}.free-inner{max-width:900px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:var(--space-7);align-items:center}.free-text .section-label,.free-text .section-heading{color:var(--teal)}.free-list{list-style:none;margin-top:20px;display:flex;flex-direction:column;gap:var(--space-3)}.free-list li{display:flex;align-items:flex-start;gap:var(--space-3);font-size:.97rem;color:#1a3535;line-height:1.5}.free-list li:before{content:"?";color:var(--teal);font-weight:800;font-size:1rem;flex-shrink:0;margin-top:1px}.free-price-card{background:#fff;border:2px solid var(--teal-mid);border-radius:20px;padding:36px var(--space-6);text-align:center;box-shadow:0 4px 20px #0d73771a}.free-price-card .price{font-size:4.5rem;font-weight:900;color:var(--teal);line-height:1;letter-spacing:-2px}.free-price-card .price-sub{font-size:.95rem;color:var(--text-muted);margin-top:6px;margin-bottom:20px}.free-price-card .forever-badge{background:var(--teal);color:#fff;font-size:var(--text-xs);font-weight:700;text-transform:uppercase;letter-spacing:1px;padding:5px 14px;border-radius:100px;display:inline-block}.compare-section{background:var(--bg);padding:80px var(--space-6)}.compare-inner{max-width:900px;margin:0 auto}.compare-table{background:#fff;border:1px solid var(--border);border-radius:16px;overflow:hidden}.compare-table table{width:100%;border-collapse:collapse;font-size:.93rem}.compare-table th{background:var(--bg);padding:14px 18px;text-align:left;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted)}.compare-table th:first-child{width:32%}.compare-table th:not(:first-child){text-align:center}.compare-table td{padding:13px 18px;border-top:1px solid var(--border);vertical-align:middle}.compare-table td:not(:first-child){text-align:center;font-weight:600;font-size:.92rem}.compare-table td.yes{color:#1f7a86}.compare-table 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h2{font-size:1rem;font-weight:800;letter-spacing:1px;color:var(--brand);text-transform:uppercase;padding:var(--space-3) 18px;background:#f2e8d2;border-radius:10px;margin-bottom:var(--space-4)}dl{display:flex;flex-direction:column;gap:10px}dt{font-size:1.05rem;font-weight:800;color:var(--text);margin-bottom:var(--space-1);letter-spacing:-.2px}dd{background:#fff;border:1px solid var(--border);border-radius:12px;padding:18px 22px;margin-bottom:14px;color:#0b1f23;font-size:.97rem;line-height:1.7}dd p{margin-bottom:10px}dd p:last-child{margin-bottom:0}dd .see-also{display:block;margin-top:var(--space-3);font-size:.85rem;color:var(--text-muted)}dd .see-also strong{color:var(--text)}.cta-strip{background:linear-gradient(135deg,var(--brand-deep) 0%,var(--brand) 100%);border-radius:18px;padding:44px var(--space-6);text-align:center;margin-top:var(--space-7);color:#fff}.cta-strip h2{font-size:1.4rem;font-weight:800;margin-bottom:10px}.cta-strip 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span{font-size:var(--text-sm);color:var(--mute);font-family:Geist,sans-serif}.bank-options{display:flex;flex-direction:column;gap:var(--space-3);margin-bottom:var(--space-6)}.bank-option{padding:20px 22px;background:var(--cream);border:1.5px solid var(--line);border-radius:16px;cursor:pointer;display:flex;align-items:center;gap:var(--space-4);transition:all var(--duration-fast)}.bank-option:hover{border-color:var(--teal);background:#0e4a5208}.bank-option-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.bank-option-text strong{font-size:var(--text-md);font-weight:600;color:var(--ink);display:block}.bank-option-text span{font-size:var(--text-sm);color:var(--mute)}.step-nav{display:flex;gap:10px}.btn-back{padding:14px 22px;border-radius:999px;background:var(--cream);border:1px solid 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solid rgba(255,255,255,.25)}.sva-hero h1{font-size:clamp(1.8rem,5vw,2.6rem);font-weight:800;line-height:1.15;letter-spacing:-.5px;margin-bottom:var(--space-4);max-width:760px;margin-left:auto;margin-right:auto}.sva-hero p{font-size:1.08rem;color:#ffffffd9;max-width:600px;margin:0 auto 28px;line-height:1.65}.sva-hero-cta{display:inline-flex;align-items:center;gap:var(--space-2);background:#ffffff2e;border:1.5px solid rgba(255,255,255,.35);color:#fff;border-radius:10px;padding:11px var(--space-5);font-size:.95rem;font-weight:700;text-decoration:none;transition:all var(--duration-fast)}.sva-hero-cta:hover{background:#ffffff4d;text-decoration:none;color:#fff}.lf-breadcrumbs-bar{background:var(--cream);padding:14px 0;border-bottom:1px solid var(--line);font-size:var(--text-sm)}.article-outer h2{font-size:1.45rem;font-weight:800;margin:var(--space-7) 0 var(--space-4);letter-spacing:-.3px}.article-outer h3{font-size:1.1rem;font-weight:800;margin:var(--space-6) 0 10px}.article-outer 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var(--line);border-radius:18px;padding:28px;margin:20px 0 36px}.example-wrap h4{font-size:.95rem;font-weight:800;margin:0 0 14px;color:var(--ink)}.debt-example-table{width:100%;border-collapse:collapse;font-size:.88rem;margin-bottom:14px}.debt-example-table th,.debt-example-table td{padding:9px var(--space-3);border:1px solid var(--line);text-align:left}.debt-example-table th{background:#fff;font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--mute)}.result-compare{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}.rc-col{border-radius:12px;padding:var(--space-4) 18px}.rc-col.snowball{background:#f0faf5;border:1.5px solid #4a9e71}.rc-col.avalanche{background:#f0f8fa;border:1.5px solid var(--teal)}.rc-col h5{font-size:.85rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;margin:0 0 10px}.rc-col.snowball h5{color:#1a6646}.rc-col.avalanche h5{color:var(--teal)}.rc-stat{font-size:1.1rem;font-weight:900;margin-bottom:2px}.rc-col.snowball .rc-stat{color:#1a6646}.rc-col.avalanche .rc-stat{color:var(--teal)}.rc-lbl{font-size:.78rem;color:var(--mute);margin-bottom:var(--space-2)}.rc-order{font-size:.83rem;color:var(--ink);line-height:1.55}.winner-badge{display:inline-block;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:3px 9px;border-radius:100px;background:#d1fae5;color:#065f46;margin-left:var(--space-2);vertical-align:middle}.calc-section{margin:52px 0}.calc-section>h2{margin-bottom:6px}.calc-section>.calc-intro{font-size:.97rem;color:var(--mute);margin-bottom:28px}.sva-calc-card{background:#fff;border:1.5px solid var(--line);border-radius:20px;padding:var(--space-6);box-shadow:var(--shadow)}.sva-calc-card h3{font-size:1rem;font-weight:800;margin:0 0 18px}.sva-debt-list{margin-bottom:var(--space-3)}.sva-debt-row{display:grid;grid-template-columns:1fr 110px 90px 110px 36px;gap:var(--space-2);align-items:end;margin-bottom:10px}.sva-field{display:flex;flex-direction:column;gap:3px}.sva-field label{font-size:.75rem;font-weight:600;color:var(--ink)}.sva-field input{border:1.5px solid var(--line);border-radius:8px;padding:var(--space-2) 10px;font-size:.9rem;font-family:inherit;color:var(--ink);background:#fafafa;width:100%;transition:border-color var(--duration-fast),box-shadow var(--duration-fast)}.sva-field input:focus{border-color:var(--teal);box-shadow:0 0 0 3px #2b6a7a1f;outline:none;background:#fff}.sva-field input::-webkit-inner-spin-button,.sva-field input::-webkit-outer-spin-button{-webkit-appearance:none}.sva-remove-btn{background:none;border:1.5px solid var(--line);color:var(--mute);border-radius:7px;cursor:pointer;font-size:1rem;padding:6px var(--space-2);display:flex;align-items:center;justify-content:center;transition:all 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label{font-size:.88rem;font-weight:700}.sva-extra-display{font-size:1.1rem;font-weight:800;color:var(--teal);min-width:72px;text-align:right}.sva-range{width:100%;-webkit-appearance:none;height:6px;border-radius:3px;background:var(--line);cursor:pointer;margin-top:var(--space-2)}.sva-range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--teal);border:2px solid #fff;box-shadow:0 1px 4px #0003;cursor:pointer}.sva-range-hint{font-size:.78rem;color:var(--mute);margin:var(--space-1) 0 0}.sva-results{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-4);margin-top:28px}.sva-res-col{border-radius:14px;padding:20px 22px;border:2px solid var(--line)}.sva-res-col.snowball{border-color:#4a9e71;background:#f6fbf8}.sva-res-col.avalanche{border-color:var(--teal);background:#f4f8f9}.sva-res-col.winner{box-shadow:0 0 0 3px 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.sva-res-stat{color:var(--teal)}.sva-res-stat-lbl{font-size:.75rem;color:var(--mute);margin-bottom:var(--space-3)}.sva-res-interest{font-size:.9rem;font-weight:700;color:var(--ink)}.sva-res-interest-lbl{font-size:.78rem;color:var(--mute);margin-top:2px}.sva-res-order{font-size:.82rem;color:var(--ink);line-height:1.6;margin-top:14px;padding-top:var(--space-3);border-top:1px solid var(--line)}.sva-res-order .ord-title{font-size:.73rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--mute);margin-bottom:var(--space-1)}.sva-empty-state{text-align:center;padding:20px;color:var(--mute);font-size:.9rem}.sva-calc-cta{margin-top:22px;padding-top:20px;border-top:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:var(--space-3);flex-wrap:wrap}.sva-calc-cta p{font-size:.85rem;color:var(--mute);margin:0;flex:1;min-width:200px}.sva-calc-cta-btn{display:inline-flex;align-items:center;gap:6px;background:var(--teal);color:#fff;border-radius:10px;padding:11px 20px;font-size:.9rem;font-weight:700;text-decoration:none;white-space:nowrap;transition:background var(--duration-fast)}.sva-calc-cta-btn:hover{background:#1f4f5b;text-decoration:none;color:#fff}.faq-section{margin:0 0 60px}.faq-section h2{font-size:1.45rem;font-weight:800;margin-bottom:var(--space-5)}.faq-item{border-bottom:1px solid var(--line);padding:18px 0}.faq-item:first-of-type{border-top:1px solid var(--line)}.faq-q{font-size:.97rem;font-weight:700;margin-bottom:var(--space-2)}.faq-a{font-size:.92rem;line-height:1.7;color:var(--ink)}.sva-bottom-cta{background:linear-gradient(135deg,#1f4f5b 0%,var(--teal) 100%);border-radius:20px;padding:var(--space-7) 36px;text-align:center;color:#fff;margin:52px 0 0}.sva-bottom-cta h2{font-size:1.45rem;font-weight:800;color:#fff;margin-bottom:10px}.sva-bottom-cta p{color:#ffffffd1;margin-bottom:26px;font-size:.97rem}.sva-cta-btns{display:flex;gap:var(--space-3);justify-content:center;flex-wrap:wrap}.sva-btn-white{display:inline-flex;align-items:center;gap:6px;background:#fff;color:var(--teal);border-radius:12px;padding:13px var(--space-5);font-size:.95rem;font-weight:800;text-decoration:none;transition:all var(--duration-fast)}.sva-btn-white:hover{background:#f0ece3;text-decoration:none;color:var(--teal)}.sva-btn-ghost{display:inline-flex;align-items:center;gap:6px;background:#ffffff26;border:1.5px solid rgba(255,255,255,.35);color:#fff;border-radius:12px;padding:var(--space-3) 22px;font-size:.95rem;font-weight:700;text-decoration:none;transition:all var(--duration-fast)}.sva-btn-ghost:hover{background:#ffffff47;text-decoration:none;color:#fff}@media (max-width: 680px){.method-defs,.scenario-grid,.result-compare{grid-template-columns:1fr}.sva-debt-row{grid-template-columns:1fr 1fr}.sva-debt-row .sva-dr-name{grid-column:1 / -1}.sva-debt-row .sva-remove-btn{grid-column:2;grid-row:3;justify-self:end;align-self:end}.sva-results{grid-template-columns:1fr}.sva-calc-card{padding:22px 18px}.sva-bottom-cta{padding:36px 22px}.sva-cta-btns{flex-direction:column;align-items:center}}@media (max-width: 480px){.sva-hero{padding:52px 18px 44px}.article-outer{padding:40px var(--space-4) 60px}}:root{--brand: var(--teal);--brand-dark: var(--teal-mid);--brand-deep: var(--teal);--accent: var(--teal-mid);--text: var(--ink);--text-muted: var(--mute);--border: var(--line);--bg: var(--cream)}.btn{display:inline-flex;align-items:center;padding:9px 20px;border-radius:8px;font-size:var(--text-base);font-weight:600;cursor:pointer;transition:all var(--duration-fast);border:none;text-decoration:none}.btn:hover{text-decoration:none}.btn-ghost-white{background:#ffffff1f;color:#ffffffeb;border:1px solid rgba(255,255,255,.25)}.btn-ghost-white:hover{background:#ffffff38;color:#fff}.btn-primary{background:var(--accent);color:#fff;border:1px solid transparent;font-size:var(--text-md);padding:var(--space-3) 28px}.btn-primary:hover{background:#0e4a52}.hero{background:linear-gradient(135deg,#0e4a52,#1f7a86);color:#fff;padding:72px var(--space-6) 80px;text-align:center}.hero h1,.hero h2,.hero h3,.hero p,.hero .hero-eyebrow{color:inherit}.hero-eyebrow{display:inline-block;background:#ffffff26;color:#ffffffe6;font-size:var(--text-sm);font-weight:600;letter-spacing:.06em;text-transform:uppercase;border-radius:20px;padding:var(--space-1) 14px;margin-bottom:20px}.hero h1{font-size:clamp(2rem,5vw,3rem);font-weight:800;letter-spacing:-.5px;margin-bottom:18px;line-height:1.15}.hero p{font-size:1.15rem;color:#ffffffd9;max-width:560px;margin:0 auto var(--space-6)}.hero-tags{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:var(--space-6)}.tag-pill{background:#ffffff2e;color:#fff;font-size:.88rem;font-weight:600;border-radius:20px;padding:5px 14px;border:1px solid rgba(255,255,255,.3)}.page-content{max-width:900px;margin:0 auto;padding:0 var(--space-6) 80px}.section{margin-top:var(--space-8)}.section-label{font-size:var(--text-xs);font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:var(--space-2)}.section-title{font-size:1.6rem;font-weight:800;letter-spacing:-.3px;margin-bottom:var(--space-2)}.section-sub{color:var(--text-muted);font-size:1rem;margin-bottom:36px}.use-case-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:20px;margin-top:var(--space-2)}.use-case-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:26px 22px;transition:box-shadow var(--duration-fast)}.use-case-card:hover{box-shadow:0 4px 20px #00000012}.use-case-card .uc-icon{font-size:2.2rem;margin-bottom:14px;display:block}.use-case-card h3{font-size:1rem;font-weight:700;margin-bottom:var(--space-2)}.use-case-card p{font-size:.88rem;color:var(--text-muted);line-height:1.55;margin-bottom:var(--space-3)}.uc-tags{display:flex;flex-wrap:wrap;gap:6px}.uc-tag{background:var(--bg);border:1px solid var(--border);color:var(--brand);font-size:.78rem;font-weight:600;border-radius:12px;padding:2px 10px}.how-tags{background:#fff;border:1px solid var(--border);border-radius:16px;overflow:hidden;margin-top:var(--space-2)}.how-item{display:flex;align-items:flex-start;gap:20px;padding:22px 28px;border-bottom:1px solid var(--border)}.how-item:last-child{border-bottom:none}.how-icon{font-size:1.5rem;flex-shrink:0;width:44px;height:44px;border-radius:10px;display:flex;align-items:center;justify-content:center}.hi-violet,.hi-pink{background:#faf4e8}.hi-blue,.hi-green{background:#b6e3dd}.how-item 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