.theme-debt {
    --ink: #191919;
    --muted: #686868;
    --line: #dedede;
    --surface: #f2f2f2;
    --accent: #ef3124;
    background: #fff;
}

.debt-hero {
    color: #191919;
    background: radial-gradient(circle at 104% 16%, rgba(239, 49, 36, .14), transparent 32%), #f3f3f3;
}

.debt-hero .brand__copy strong { color: #191919; }
.debt-hero .brand__copy small { color: #777; }
.debt-hero .header-phone small, .debt-hero .eyebrow { color: #ef3124; }
.debt-hero .header-phone span { color: #191919; }
.debt-hero .hero__content { padding: 32px 0 48px; }
.debt-hero h1 { max-width: 12ch; margin-bottom: 22px; font-size: clamp(2.12rem, 9.8vw, 2.72rem); }
.debt-hero .hero__subtitle { color: #5d5d5d; }
.debt-hero .hero__actions { display: grid; gap: var(--space-grid); }
.debt-hero .button--primary { color: #fff; background: #ef3124; box-shadow: none; }
.hero-phone { display: flex; min-height: 48px; align-items: center; justify-content: center; color: #333; font-size: .86rem; font-weight: 700; }
.hero-note { max-width: 32rem; margin: 24px 0 0; padding-top: 16px; border-top: 1px solid #d7d7d7; color: #737373; font-size: .78rem; }

.debt-types { padding-block: var(--space-section); background: #fff; }
.debt-types h2 { max-width: 11ch; margin-bottom: var(--space-block); }
.debt-type-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-grid); }
.debt-type-grid a { position: relative; display: flex; min-height: 144px; flex-direction: column; justify-content: space-between; padding: 20px 48px 20px 20px; border: 0; border-radius: 18px; color: #191919; background: #f3f3f3; text-decoration: none; transition: transform 150ms var(--ease-out), background-color 150ms ease; }
.debt-type-grid .card-link__icon { position: absolute; top: 18px; right: 18px; color: var(--accent); transition: transform 150ms var(--ease-out); }
.debt-type-grid a:active { transform: scale(.98); }
.debt-type-grid strong { font-size: .98rem; line-height: 1.15; }
.debt-type-grid span { color: #707070; font-size: .74rem; line-height: 1.35; }

.debt-context { padding-bottom: 16px; background: #fff; }
.debt-context img { display: block; width: 100%; height: auto; aspect-ratio: 3 / 2; object-fit: cover; border-radius: 16px; }
.debt-context__copy { position: relative; width: calc(100% - 24px); margin: -24px 0 0 auto; padding: var(--space-card); border-radius: 18px 0 18px 18px; background: #f1f1f1; }
.debt-context__copy h2 { max-width: 13ch; margin-bottom: 16px; font-size: 1.75rem; }
.debt-context__copy p:last-child { margin: 0; color: #676767; font-size: .9rem; }

.debt-problems { background: #fff; }
.problem-cloud { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
.problem-cloud span { display: flex; min-height: 54px; align-items: center; padding: 10px 14px; border: 1px solid #dedede; border-radius: 12px; color: #292929; background: #f6f6f6; font-size: .85rem; font-weight: 650; }

.theme-debt .consultation { background: #f1f1f1; }
.theme-debt .quiz-card { background: #303236; box-shadow: none; }
.theme-debt .quiz-card .section-kicker { color: #ff756c; }
.theme-debt .quiz-progress span { transform: scaleX(.125); background: #ef3124; }
.theme-debt .choice-list input:checked + span { border-color: #ff756c; background: rgba(239, 49, 36, .22); box-shadow: inset 0 0 0 1px #ff756c; }
.theme-debt .choice-list input:focus-visible + span { outline-color: #ff756c; }
.theme-debt .text-input:focus { border-color: #ff756c; box-shadow: 0 0 0 3px rgba(239, 49, 36, .18); }
.theme-debt .consent input { accent-color: #ef3124; }
.theme-debt .quiz-success > span { color: #fff; background: #ef3124; }
.theme-debt .quiz-card .button--primary { color: #fff; background: #ef3124; box-shadow: none; }
.theme-debt .quiz-card .button--secondary { color: #e9f5f3; border-color: rgba(255,255,255,.18); background: rgba(255,255,255,.06); }

.theme-debt .checks { background: #fff; }
.theme-debt .check-list li { background: #f3f3f3; }
.debt-explain { color: #191919; background: #f1f1f1; }
.debt-explain .section-kicker { color: #ef3124; }
.debt-media { display: grid; grid-template-columns: 1.15fr .85fr; gap: 12px; margin-bottom: 40px; }
.debt-media img { display: block; width: 100%; height: 190px; object-fit: cover; border-radius: 14px; }
.debt-media img:last-child { object-position: 60% center; }
.explain-list { display: grid; gap: 0; }
.explain-list article { padding: 24px 0; border-bottom: 1px solid #d5d5d5; }
.explain-list article:first-child { padding-top: 0; }
.explain-list h3 { margin-bottom: 8px; color: #191919; font-size: 1.2rem; }
.explain-list p { max-width: 34rem; margin: 0; color: #666; font-size: .9rem; }

.theme-debt .pricing { background: #303236; }
.theme-debt .pricing__card { color: #fff; }
.theme-debt .pricing .section-kicker { color: #ff756c; }
.theme-debt .pricing__value { color: #fff; }
.theme-debt .pricing__value small, .theme-debt .pricing__card > p:not(.section-kicker):not(.pricing__value) { color: #c7c7c7; }
.theme-debt .pricing .button--primary { color: #fff; background: #ef3124; box-shadow: none; }
.theme-debt .faq { background: #f2f2f2; }
.theme-debt .faq details { border-color: #ddd; }
.theme-debt .faq details p { color: #666; }
.theme-debt .final-cta { background: #fff; }
.theme-debt .final-cta__card { background: #f1f1f1; }
.theme-debt .final-cta__card p:not(.section-kicker) { color: #666; }
.theme-debt .final-cta__phone { color: #444; }
.theme-debt .legal-warning { background: #f2f2f2; }

@media (hover: hover) and (pointer: fine) {
    .debt-type-grid a:hover { background: #eaeaea; transform: translateY(-2px); }
    .debt-type-grid a:hover .card-link__icon { transform: translate(2px, -2px); }
}

@media (min-width: 768px) {
    .debt-hero { min-height: 0; }
    .debt-hero .hero__content { max-width: 680px; padding-top: 40px; }
    .debt-hero h1 { font-size: 3.7rem; }
    .debt-hero .hero__actions { display: flex; align-items: center; }
    .debt-type-grid { grid-template-columns: repeat(4, 1fr); }
    .debt-context .shell { display: grid; grid-template-columns: 1.25fr .75fr; align-items: end; }
    .debt-context img { min-height: 0; aspect-ratio: 16 / 9; }
    .debt-context__copy { width: auto; margin: 0 0 32px -48px; padding: 32px; border-radius: 16px; }
    .problem-cloud { max-width: 900px; grid-template-columns: repeat(3, minmax(0, 1fr)); }
    .debt-media { grid-template-columns: 1fr 1fr; gap: 16px; }
    .debt-media img { height: 280px; }
    .explain-list { grid-template-columns: 1fr 1fr; gap: 0 54px; }
    .explain-list article:nth-child(-n+2) { padding-top: 0; }
}

@media (min-width: 1024px) {
    .debt-hero .hero__content { max-width: 700px; }
    .debt-hero h1 { max-width: 13ch; font-size: 4.1rem; }
    .debt-hero .hero__subtitle { max-width: 38rem; }
    .debt-types h2 { max-width: 760px; }
    .debt-type-grid a { min-height: 176px; padding: 24px 56px 24px 24px; }
    .debt-type-grid .card-link__icon { top: 22px; right: 22px; }
    .debt-type-grid strong { font-size: 1.14rem; }
    .debt-context__copy h2 { font-size: 2.25rem; }
}