:root{--bg:#f4f6fb;--surface:#fff;--text:#111827;--muted:#5b6475;--border:#e2e6ee;--accent:#4f46e5;--accent-hover:#4338ca;--accent-contrast:#fff;--accent-soft:#eef0ff;--error:#b42318;--highlight:#fff7e0;--radius-panel:16px;--radius-control:10px;--shadow-panel:0 1px 2px #1018280a, 0 4px 16px #1018280d;--shadow-raised:0 2px 4px #1018280f, 0 12px 28px #1018281a;--series-1:#2a78d6;--series-2:#eb6834;--series-3:#1baf7a;--series-4:#eda100;--grid:#e6e8ec;--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;line-height:1.5}@media screen and (prefers-color-scheme:dark){:root:not([data-theme=light]){--bg:#0f1218;--surface:#171b23;--text:#e8ebf1;--muted:#9aa3b2;--border:#262c37;--accent:#a5b4fc;--accent-hover:#c7d2fe;--accent-contrast:#11133a;--accent-soft:#23264d;--error:#ff8a80;--highlight:#332c16;--shadow-panel:none;--shadow-raised:0 12px 32px #00000073;--series-1:#3987e5;--series-2:#d95926;--series-3:#199e70;--series-4:#c98500;--grid:#2a3038;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}}@media screen{:root[data-theme=dark]{--bg:#0f1218;--surface:#171b23;--text:#e8ebf1;--muted:#9aa3b2;--border:#262c37;--accent:#a5b4fc;--accent-hover:#c7d2fe;--accent-contrast:#11133a;--accent-soft:#23264d;--error:#ff8a80;--highlight:#332c16;--shadow-panel:none;--shadow-raised:0 12px 32px #00000073;--series-1:#3987e5;--series-2:#d95926;--series-3:#199e70;--series-4:#c98500;--grid:#2a3038;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}}*{box-sizing:border-box}body{background:var(--bg);color:var(--text);margin:0}a{color:var(--accent)}.header-bar,.site-footer,main{max-width:1100px;margin:0 auto;padding:16px}.site-header{background:var(--surface);border-bottom:1px solid var(--border);box-shadow:var(--shadow-panel)}.header-bar{align-items:center;gap:8px 28px;padding-top:10px;padding-bottom:10px;display:flex;position:relative}.site-header .brand{letter-spacing:-.02em;color:var(--text);white-space:nowrap;align-items:center;gap:10px;font-size:1.1rem;font-weight:800;text-decoration:none;display:inline-flex}.brand-mark{flex:none;width:30px;height:30px}.brand-mark rect{fill:var(--accent)}.brand-mark path{fill:none;stroke:var(--accent-contrast);stroke-width:2px;stroke-linecap:round;stroke-linejoin:round}.nav-groups{align-items:center;gap:4px;margin:0;padding:0;list-style:none;display:flex}.nav-group{position:relative}.nav-trigger,.nav-single a,.menu-toggle{color:var(--text);background:0 0;border:1px solid #0000;border-radius:8px;align-items:center;gap:6px;padding:8px 12px;font-size:.95rem;text-decoration:none;display:inline-flex}.nav-trigger:hover,.nav-single a:hover,.nav-group.open>.nav-trigger{background:var(--accent-soft)}.nav-group.current>.nav-trigger,.nav-single a[aria-current=page]{color:var(--accent);font-weight:600}.nav-caret{border-bottom:2px solid;border-right:2px solid;width:7px;height:7px;transition:transform .15s;transform:translateY(-2px)rotate(45deg)}.nav-group.open .nav-caret{transform:translateY(1px)rotate(-135deg)}.nav-menu{z-index:20;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-control);min-width:220px;box-shadow:var(--shadow-raised);margin:0;padding:6px;list-style:none;display:none;position:absolute;top:calc(100% + 6px);left:0}.nav-group.open>.nav-menu{display:grid}.nav-menu a{color:var(--text);border-radius:6px;padding:8px 12px;text-decoration:none;display:block}.nav-menu a:hover{background:var(--accent-soft)}.nav-menu a[aria-current=page]{color:var(--accent);font-weight:600}.menu-toggle{border-color:var(--border);margin-left:auto;display:none}@media (width<=800px){.header-bar{flex-wrap:wrap}.menu-toggle{display:inline-flex}.site-nav{flex-basis:100%;display:none}.site-header.menu-open .site-nav{display:block}.nav-groups{flex-direction:column;align-items:stretch;gap:12px;padding:8px 0 4px}.nav-trigger{pointer-events:none;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;padding:0 0 4px;font-size:.8rem}.nav-caret{display:none}.nav-menu,.nav-group.open>.nav-menu{box-shadow:none;background:0 0;border:0;grid-template-columns:repeat(2,minmax(0,1fr));padding:0;display:grid;position:static}.nav-menu a{padding:8px 10px 8px 0}.nav-single a{padding:8px 0}}.site-footer{color:var(--muted);border-top:1px solid var(--border);margin-top:48px;font-size:.85rem}.footer-nav{grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:16px 24px;margin:8px 0 20px;display:grid}.footer-nav h2{text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin:0 0 6px;font-size:.8rem}.footer-nav ul{gap:4px;margin:0;padding:0;list-style:none;display:grid}.footer-nav a[aria-current=page]{font-weight:700;text-decoration:none}.card-grid{grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px;margin:0;padding:0;list-style:none;display:grid}.card-link{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-panel);height:100%;box-shadow:var(--shadow-panel);color:var(--text);flex-direction:column;gap:4px;padding:16px 18px;text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s;display:flex}.card-link:hover{border-color:var(--accent);box-shadow:var(--shadow-raised);transform:translateY(-2px)}.card-title{color:var(--accent);font-weight:600}.card-title:after{content:" →"}.card-blurb{color:var(--muted);font-size:.9rem}.calculator-hub,.related{margin:40px 0 0}.calculator-hub>h2,.related>h2{margin:0 0 12px;font-size:1.3rem}.card-group h3{text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin:20px 0 8px;font-size:.8rem}h1,h2,h3{letter-spacing:-.015em;line-height:1.2}h1{letter-spacing:-.025em;margin:20px 0 8px;font-size:clamp(1.75rem,4vw,2.4rem);font-weight:800}.lede{color:var(--muted);max-width:70ch;margin:0 0 24px;font-size:1.05rem}.calculator{grid-template-columns:minmax(260px,340px) 1fr;align-items:start;gap:24px;display:grid}@media (width<=800px){.calculator{grid-template-columns:1fr}}.notice{background:var(--highlight);border:1px solid var(--border);border-radius:8px;grid-column:1/-1;justify-content:space-between;align-items:center;gap:12px;padding:10px 14px;display:flex}.inputs,.summary,.schedule,.charts,.table-section{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-panel);box-shadow:var(--shadow-panel);padding:20px}.table-section>h2{margin:0 0 8px;font-size:1.2rem}.field{margin-bottom:12px}.field label,.extra-editor label{margin-bottom:4px;font-size:.9rem;font-weight:600;display:block}.field-input{border:1px solid var(--border);border-radius:var(--radius-control);background:var(--bg);align-items:center;transition:border-color .15s,box-shadow .15s;display:flex;overflow:hidden}.field-input:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}.field-input input{min-width:0;color:inherit;font:inherit;background:0 0;border:0;flex:1;padding:8px 10px;font-size:1rem}.field-input input:focus{outline:none}.field-input input[aria-invalid=true]{background:color-mix(in srgb, var(--error) 8%, transparent)}.affix{color:var(--muted);white-space:nowrap;padding:0 10px}select{width:100%;font:inherit;border:1px solid var(--border);border-radius:var(--radius-control);background:var(--bg);color:inherit;padding:8px 10px;font-size:1rem}select:focus-visible{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft);outline:none}.field-error{color:var(--error);margin:4px 0 0;font-size:.85rem}.field-hint{color:var(--muted);margin:4px 0 0;font-size:.85rem}.chips{border:0;flex-wrap:wrap;gap:6px;min-width:0;margin:-4px 0 12px;padding:0;display:flex}button{font:inherit;cursor:pointer;border-radius:var(--radius-control);border:1px solid var(--accent);background:var(--accent);color:var(--accent-contrast);padding:8px 16px;font-weight:600;transition:background-color .15s,border-color .15s,color .15s}button:hover{background:var(--accent-hover);border-color:var(--accent-hover)}button:focus-visible,a:focus-visible{outline:2px solid var(--accent);outline-offset:2px}button:disabled{opacity:.5;cursor:default}button.secondary{color:var(--accent);border-color:var(--border);background:0 0}button.secondary:hover{background:var(--accent-soft);border-color:var(--accent)}.chip{color:var(--text);border-color:var(--border);background:0 0;border-radius:999px;min-height:32px;padding:4px 12px;font-size:.85rem;font-weight:500}.chip:hover{background:var(--accent-soft);border-color:var(--accent)}.chip.active{background:var(--accent-soft);border-color:var(--accent);color:var(--accent);font-weight:600}.link-button,.link-button:hover{color:var(--accent);background:0 0;border:0;padding:4px;font-weight:500;text-decoration:underline}.section{border-top:1px solid var(--border);margin-top:8px;padding-top:8px}.section summary{cursor:pointer;justify-content:space-between;align-items:center;margin-bottom:6px;padding:8px 0;font-weight:600;list-style:none;display:flex}.section summary::-webkit-details-marker{display:none}.section summary:after{content:"";border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);width:7px;height:7px;margin-right:4px;transition:transform .15s;transform:rotate(45deg)}.section[open]>summary:after{transform:rotate(-135deg)}.section summary:hover{color:var(--accent)}.one-offs{margin:8px 0;padding:0;list-style:none}.one-offs li{justify-content:space-between;align-items:center;display:flex}.results{grid-template-columns:minmax(0,1fr);gap:16px;min-width:0;display:grid}.placeholder{color:var(--muted)}.headline{flex-direction:column;margin-bottom:12px;display:flex}.headline-label{color:var(--muted);font-size:.9rem;font-weight:500}.headline-value{letter-spacing:-.03em;color:var(--accent);font-variant-numeric:tabular-nums;font-size:clamp(2.2rem,6vw,3.2rem);font-weight:800;line-height:1.1}.headline-detail{color:var(--muted);font-size:.9rem}.stats{grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:12px;margin:0;display:grid}.stat{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius-control);padding:10px 14px}.stat dt{color:var(--muted);font-size:.85rem}.stat dd{font-variant-numeric:tabular-nums;margin:2px 0 0;font-size:1.05rem;font-weight:700}.stat.emphasis{background:var(--highlight)}.savings{background:var(--accent-soft);border-radius:var(--radius-control);margin:12px 0 0;padding:12px 14px}.note{background:var(--highlight);border-radius:var(--radius-control);margin:12px 0 0;padding:12px 14px}.payoff-goal .payoff-answer{margin:0 0 8px;font-size:.95rem}.payoff-goal button{margin-bottom:10px}.share-row{flex-wrap:wrap;align-items:center;gap:8px 12px;display:flex}.schedule-header{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px;display:flex}.schedule h2{margin:0;font-size:1.2rem}.schedule .chips{margin:0}.table-wrap{border:1px solid var(--border);border-radius:var(--radius-control);max-height:70vh;margin-top:12px;position:relative;overflow:auto}table{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%;font-size:.9rem}th,td{text-align:right;white-space:nowrap;border-bottom:1px solid var(--border);padding:6px 10px}thead th{background:var(--surface);z-index:1;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:.78rem;font-weight:600;position:sticky;top:0}tbody tr:hover>*{background:var(--accent-soft)}tbody th{font-weight:500}tr.has-extra{background:var(--highlight)}.edit-row td{text-align:left;background:var(--accent-soft)}.extra-editor{flex-wrap:wrap;align-items:center;gap:8px;display:flex}.extra-editor label{margin:0}.extra-editor input{font:inherit;border:1px solid var(--border);background:var(--surface);width:10em;color:inherit;border-radius:6px;padding:6px 8px}.content{max-width:75ch;margin-top:40px}.content h2{margin-top:32px;font-size:1.35rem}.content .formula{background:var(--surface);border:1px solid var(--border);border-radius:8px;padding:10px 14px;font-family:ui-monospace,Cascadia Code,Consolas,monospace;overflow-x:auto}.ad-slot{margin:40px 0}.ad-slot .ad-label{color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin:0 0 4px;font-size:.75rem}.ad-slot ins.adsbygoogle{min-height:280px;display:block}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.field-pair,.field-trio{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 10px;display:grid}.field-trio{grid-template-columns:repeat(3,minmax(0,1fr))}.subsection{border:1px solid var(--border);border-radius:var(--radius-control);min-width:0;margin:0 0 12px;padding:8px 12px 4px}.subsection>legend{padding:0 4px;font-weight:600}.checkbox{align-items:flex-start;gap:8px;margin:0 0 10px;font-size:.9rem;display:flex}.checkbox input{margin-top:3px}.stat-detail{color:var(--muted);font-size:.8rem;font-weight:400;display:block}.payment-changes{background:var(--highlight);border-radius:8px;margin:0 0 12px;padding:10px 12px}.payment-changes p{margin:0 0 4px}.change-list{font-variant-numeric:tabular-nums;margin:6px 0 0;padding-left:18px}.charts{gap:16px;display:grid}.chart{min-width:0;margin:0}.chart-title{margin-bottom:4px;font-weight:600}.chart-legend{color:var(--muted);flex-wrap:wrap;gap:4px 16px;margin:0 0 6px;padding:0;font-size:.85rem;list-style:none;display:flex}.chart-legend li,.chart-tooltip span{align-items:center;gap:6px;display:inline-flex}.swatch{border-radius:2px;flex:none;width:10px;height:10px;display:inline-block}.chart-frame{position:relative}.chart-frame svg{touch-action:pan-y;width:100%;height:auto;display:block}.chart-axis text{fill:var(--muted);font-variant-numeric:tabular-nums;font-size:11px}.chart-grid{stroke:var(--grid);stroke-width:1px}.chart-crosshair{stroke:var(--muted);stroke-width:1px}.chart-dot{stroke:var(--surface);stroke-width:2px}.chart-dim{opacity:.45}.chart-tooltip{background:var(--surface);border:1px solid var(--border);pointer-events:none;white-space:nowrap;font-variant-numeric:tabular-nums;z-index:2;border-radius:8px;gap:2px;padding:6px 10px;font-size:.8rem;display:grid;position:absolute;top:0;transform:translate(-50%);box-shadow:0 2px 8px #0000001f}.compare{gap:24px;display:grid}.compare-forms{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));align-items:start;gap:16px;display:grid}.compare-column-header{justify-content:space-between;align-items:center;margin-bottom:8px;display:flex}.compare-column-header h2{align-items:center;gap:8px;margin:0;font-size:1.1rem;display:flex}.compare-add{border-style:dashed;min-height:120px}.compare-results{gap:16px;min-width:0;display:grid}.compare-horizon{flex-wrap:wrap;align-items:center;gap:8px;display:flex}.compare-horizon select{width:auto}.compare-table{max-height:none}.compare-table th[scope=col]{text-align:right;white-space:normal;min-width:140px}.compare-table th[scope=row]{text-align:left;font-weight:500}td.winner{font-weight:700}.winner-badge{color:var(--accent);text-transform:uppercase;letter-spacing:.04em;font-size:.7rem;font-weight:600;display:block}.schedule-actions{gap:8px;margin-left:auto;display:flex}@media print{.site-header,.site-footer,.calculator-hub,.related,.lede,.inputs,.content,.notice,.share-row,.ad-slot,.no-print,button{display:none!important}body{background:#fff;font-size:10pt}.calculator{display:block}.results>*{break-inside:avoid}.schedule{break-before:page}.table-wrap{border:none;max-height:none;overflow:visible}thead th{position:static}tr{break-inside:avoid}}@media (prefers-reduced-motion:reduce){*,:before,:after{transition:none!important}}.segmented{border:0;min-width:0;margin:0 0 12px;padding:0}.segmented legend{margin-bottom:4px;padding:0;font-size:.9rem;font-weight:600}.segmented-options{background:var(--bg);border:1px solid var(--border);border-radius:10px;flex-wrap:wrap;gap:2px;padding:3px;display:flex}.segmented .segmented-options label{font-weight:400;font-size:inherit;text-align:center;cursor:pointer;flex:auto;margin:0;position:relative}.segmented-options input{opacity:0;cursor:pointer;margin:0;position:absolute;inset:0}.segmented-options span{white-space:nowrap;color:var(--muted);border-radius:7px;padding:6px 10px;font-size:.88rem;display:block}.segmented-options label.selected span{background:var(--surface);color:var(--text);box-shadow:0 1px 2px #0000001f, 0 0 0 1px var(--border);font-weight:600}.segmented-options label:hover span{color:var(--text)}.segmented-options input:focus-visible+span{outline:2px solid var(--accent);outline-offset:1px}.segmented[aria-invalid] .segmented-options{border-color:var(--error)}.payment-bar{z-index:30;opacity:0;pointer-events:none;background:var(--surface);border:1px solid var(--border);white-space:nowrap;border-radius:999px;align-items:baseline;gap:10px;max-width:calc(100vw - 24px);padding:10px 18px;transition:transform .2s,opacity .2s;display:flex;position:fixed;bottom:12px;left:50%;transform:translate(-50%,150%);box-shadow:0 8px 28px #0000002e}.payment-bar.visible{opacity:1;transform:translate(-50%)}.payment-bar-label,.payment-bar-detail{color:var(--muted);font-size:.85rem}.payment-bar-value{font-variant-numeric:tabular-nums;font-size:1.15rem;font-weight:700}body.has-payment-bar{padding-bottom:72px}@media (width<=480px){.payment-bar-detail{display:none}}@media print{.payment-bar{display:none}}.site-nav{order:1}.theme-toggle,.menu-toggle{order:2}.theme-toggle{border:1px solid var(--border);color:var(--text);border-radius:var(--radius-control);background:0 0;margin-left:auto;padding:7px;display:inline-flex}.theme-toggle:hover{background:var(--accent-soft);border-color:var(--accent)}.theme-icon{fill:none;stroke:currentColor;stroke-width:2px;stroke-linecap:round;stroke-linejoin:round;width:20px;height:20px;display:none}.theme-icon .fill{fill:currentColor;stroke:none}.theme-toggle[data-mode=auto] .theme-icon-auto,.theme-toggle[data-mode=light] .theme-icon-light,.theme-toggle[data-mode=dark] .theme-icon-dark{display:block}@media (width<=800px){.header-bar{column-gap:8px}.site-nav{order:3}.menu-toggle{margin-left:0}}.row-date{color:var(--muted);font-size:.75rem;font-weight:400;display:block}tr.is-current>*{background:var(--accent-soft);box-shadow:inset 0 -2px 0 var(--accent)}
