.debt-shell {
  width: min(1120px, calc(100% - 40px));
  margin-inline: auto;
}

.debt-hero {
  padding: clamp(70px, 9vw, 118px) 0;
  background:
    radial-gradient(circle at 84% 16%, rgba(200, 169, 110, .24), transparent 28%),
    linear-gradient(125deg, #071f40 0%, #003366 76%);
  color: #fff;
}

.debt-hero-grid,
.debt-split,
.debt-analysis-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(310px, .8fr);
  gap: clamp(40px, 7vw, 80px);
  align-items: center;
}

.debt-eyebrow,
.debt-kicker,
.debt-card-label {
  margin: 0 0 15px;
  color: #0056b3;
  font-family: Montserrat, Arial, sans-serif;
  font-size: .78rem;
  font-weight: 900;
  letter-spacing: .13em;
  text-transform: uppercase;
}

.debt-eyebrow,
.debt-kicker-gold {
  color: #d9bc83;
}

.debt-hero h1 {
  max-width: 800px;
  margin: 0;
  color: #fff;
  font-size: clamp(2.7rem, 6.3vw, 5.35rem);
  letter-spacing: -.035em;
  text-transform: uppercase;
}

.debt-lead {
  max-width: 780px;
  margin-top: 26px;
  color: #dce7f3;
  font-size: clamp(1.1rem, 2vw, 1.35rem);
  line-height: 1.65;
}

.debt-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 32px;
}

.debt-button {
  display: inline-block;
  padding: 16px 22px;
  background: #c8a96e;
  color: #003366;
  border: 2px solid #c8a96e;
  border-radius: 4px;
  font-family: Montserrat, Arial, sans-serif;
  font-size: .78rem;
  font-weight: 900;
  text-decoration: none;
  text-transform: uppercase;
}

.debt-button-outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,.72);
}

.debt-button:hover,
.debt-button:focus-visible {
  filter: brightness(1.08);
  transform: translateY(-1px);
}

.debt-hero-card,
.debt-fact-card,
.debt-software-card {
  padding: clamp(28px, 4vw, 42px);
  background: #fff;
  color: #172033;
  border-top: 6px solid #c8a96e;
  border-radius: 5px;
  box-shadow: 0 22px 55px rgba(0, 18, 45, .25);
}

.debt-hero-card h2,
.debt-fact-card h3,
.debt-software-card h3 {
  margin: 0 0 18px;
  color: #003366;
  font-size: clamp(1.5rem, 3vw, 2.08rem);
}

.debt-hero-card ul,
.debt-fit-grid ul,
.debt-example-output ul {
  margin: 0;
  padding-left: 20px;
}

.debt-hero-card li,
.debt-fit-grid li,
.debt-example-output li {
  margin-bottom: 10px;
  font-size: 1rem;
}

.debt-hero-card a,
.debt-software-card a {
  display: inline-block;
  margin-top: 22px;
  color: #0056b3;
  font-family: Montserrat, Arial, sans-serif;
  font-weight: 900;
}

.debt-trust {
  background: #fff;
  border-bottom: 1px solid #dce3ec;
}

.debt-trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.debt-trust-grid div {
  min-height: 122px;
  padding: 27px 24px;
  border-right: 1px solid #dce3ec;
}

.debt-trust-grid div:first-child {
  border-left: 1px solid #dce3ec;
}

.debt-trust-grid strong,
.debt-trust-grid span {
  display: block;
}

.debt-trust-grid strong {
  color: #003366;
  font-family: Montserrat, Arial, sans-serif;
  font-size: .82rem;
  text-transform: uppercase;
}

.debt-trust-grid span {
  margin-top: 7px;
  color: #5a687a;
  font-size: .92rem;
  line-height: 1.5;
}

.debt-section {
  padding: clamp(72px, 9vw, 108px) 0;
}

.debt-section-light {
  background: #f5f8fc;
}

.debt-section-navy,
.debt-analysis {
  background: #071f40;
  color: #dce7f3;
}

.debt-section h2,
.debt-analysis h2 {
  max-width: 920px;
  margin: 0 0 28px;
  padding: 0;
  color: #003366;
  border: 0;
  font-size: clamp(2rem, 4.6vw, 3.5rem);
  letter-spacing: -.025em;
}

.debt-section-navy h2,
.debt-analysis h2 {
  color: #fff;
}

.debt-section p,
.debt-analysis p {
  font-size: 1.08rem;
}

.debt-split-reverse {
  grid-template-columns: minmax(310px, .82fr) minmax(0, 1.18fr);
}

.debt-software-card {
  background: #fff;
}

.debt-example {
  display: grid;
  grid-template-columns: minmax(310px, .85fr) minmax(0, 1.15fr);
  margin-top: 42px;
  background: #fff;
  border: 1px solid #dce3ec;
  box-shadow: 0 20px 50px rgba(0,33,102,.09);
}

.debt-example-numbers,
.debt-example-output {
  padding: clamp(28px, 5vw, 50px);
}

.debt-example-numbers {
  background: #003366;
  color: #fff;
}

.debt-example-numbers dl,
.debt-example-numbers dd {
  margin: 0;
}

.debt-example-numbers dl {
  display: grid;
  gap: 19px;
}

.debt-example-numbers dl div {
  padding-bottom: 19px;
  border-bottom: 1px solid rgba(255,255,255,.2);
}

.debt-example-numbers dl div:last-child {
  padding-bottom: 0;
  border: 0;
}

.debt-example-numbers dt {
  color: #d9bc83;
  font-size: .78rem;
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.debt-example-numbers dd {
  margin-top: 6px;
  font-family: Montserrat, Arial, sans-serif;
  font-size: 1.25rem;
  font-weight: 900;
}

.debt-example-numbers dd span {
  display: block;
  margin-top: 5px;
  color: #c5d4e4;
  font-family: Inter, Arial, sans-serif;
  font-size: .88rem;
  font-weight: 500;
}

.debt-example-output h3 {
  color: #003366;
  font-size: 1.4rem;
}

.debt-example-output ul {
  margin-top: 22px;
}

.debt-example-output p {
  margin-top: 25px;
  padding: 20px;
  background: #eef4fa;
  border-left: 5px solid #0056b3;
  font-size: .92rem;
}

.debt-fit-grid,
.debt-process-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 42px;
}

.debt-fit-grid article {
  padding: clamp(28px, 4vw, 40px);
  background: #f5f8fc;
  border-top: 6px solid #0056b3;
}

.debt-fit-grid .debt-fit-caution {
  border-top-color: #c8a96e;
}

.debt-fit-grid h3 {
  color: #003366;
}

.debt-fit-grid ul {
  margin-top: 20px;
}

.debt-process-grid {
  grid-template-columns: repeat(4, 1fr);
}

.debt-process-grid article {
  padding: 30px 26px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.13);
}

.debt-process-grid article span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 22px;
  background: #c8a96e;
  color: #003366;
  border-radius: 50%;
  font-family: Montserrat, Arial, sans-serif;
  font-weight: 900;
}

.debt-process-grid h3 {
  color: #fff;
  font-size: 1.08rem;
}

.debt-process-grid p {
  margin-top: 12px;
  color: #c5d4e4;
  font-size: .98rem;
}

.debt-faq-wrap {
  display: grid;
  grid-template-columns: minmax(0, .78fr) minmax(0, 1.22fr);
  gap: clamp(40px, 7vw, 80px);
  align-items: start;
}

.debt-faq {
  display: grid;
  gap: 13px;
}

.debt-faq details {
  background: #fff;
  border: 1px solid #dce3ec;
  border-left: 5px solid #c8a96e;
}

.debt-faq summary {
  padding: 22px 24px;
  color: #003366;
  cursor: pointer;
  font-family: Montserrat, Arial, sans-serif;
  font-weight: 900;
}

.debt-faq details p {
  margin: 0;
  padding: 0 24px 24px;
  color: #4c5b6d;
  font-size: .98rem;
}

.debt-analysis {
  padding: clamp(72px, 9vw, 108px) 0;
  background:
    radial-gradient(circle at 12% 15%, rgba(200, 169, 110, .18), transparent 28%),
    #071f40;
}

.debt-analysis-grid {
  align-items: start;
}

.debt-direct {
  margin-top: 30px;
  padding: 24px;
  background: rgba(255,255,255,.07);
  border-left: 5px solid #c8a96e;
}

.debt-direct p {
  margin: 0;
}

.debt-direct p + p {
  margin-top: 8px;
}

.debt-direct a {
  color: #d9bc83;
  font-weight: 800;
}

.debt-form {
  box-shadow: 0 24px 60px rgba(0,0,0,.25);
}

.debt-form .form-note-v2 a {
  color: #0056b3;
  font-weight: 800;
}

.debt-disclosure {
  padding: 26px 0;
  background: #edf2f7;
  border-top: 1px solid #dce3ec;
}

.debt-disclosure p {
  margin: 0;
  color: #596779;
  font-size: .82rem;
  line-height: 1.6;
  text-align: center;
}

@media (max-width: 980px) {
  .debt-hero-grid,
  .debt-split,
  .debt-split-reverse,
  .debt-analysis-grid,
  .debt-faq-wrap,
  .debt-example {
    grid-template-columns: 1fr;
  }

  .debt-trust-grid,
  .debt-process-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .debt-trust-grid div:nth-child(odd) {
    border-left: 1px solid #dce3ec;
  }
}

@media (max-width: 620px) {
  .debt-shell {
    width: min(100% - 30px, 1120px);
  }

  .debt-hero {
    padding-top: 60px;
  }

  .debt-actions,
  .debt-button {
    width: 100%;
  }

  .debt-button {
    text-align: center;
  }

  .debt-trust-grid,
  .debt-fit-grid,
  .debt-process-grid {
    grid-template-columns: 1fr;
  }

  .debt-trust-grid div {
    min-height: 0;
    border-left: 1px solid #dce3ec;
  }

  .debt-process-grid article {
    padding: 26px 22px;
  }
}