:root{--canvas:#f4f6f2;--surface:#fcfdfa;--soft:#e8eee7;--ink:#1d2722;--muted:#5a665f;--border:#d5ded7;--action:#2c6e49;--action-hover:#205238;--focus:#a4c3a2;--error:#a63d40}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--canvas);color:var(--ink);margin:0;font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px;line-height:1.55}a{color:inherit;text-decoration:none}button,select,input{font:inherit}button,a,select,input{min-height:44px}.site-header{border-bottom:1px solid var(--border);background:#fcfdfadb;align-items:center;gap:40px;height:76px;padding:0 max(24px,50vw - 590px);display:flex}.brand{letter-spacing:-.04em;font-size:20px;font-weight:700}.brand span{color:var(--action);font-weight:500}.site-header nav{color:var(--muted);flex:1;gap:28px;font-size:14px;display:flex}.site-header nav a:hover,.inline-link:hover{text-underline-offset:4px;text-decoration:underline}.locale-select select{border:1px solid var(--border);background:var(--surface);color:var(--ink);border-radius:8px;padding:8px 30px 8px 10px}.intro,.calculator-layout,.below-grid,.schedule-preview,.methodology,.site-footer{max-width:1180px;margin-inline:auto}.intro{justify-content:space-between;gap:64px;padding:72px 0 52px;display:flex}.intro>div{max-width:700px}.eyebrow{color:var(--action);letter-spacing:.08em;text-transform:uppercase;margin:0 0 10px;font-size:12px;font-weight:700}.intro h1{letter-spacing:-.055em;text-wrap:balance;max-width:700px;margin:0 0 22px;font-size:clamp(40px,5vw,70px);line-height:1.05}.lede{color:var(--muted);max-width:620px;margin:0;font-size:21px}.review-note{border-top:1px solid var(--border);max-width:260px;color:var(--muted);margin:14px 0 0;padding-top:14px;font-size:14px}.review-note strong{color:var(--ink)}.calculator-layout{grid-template-columns:1.12fr .88fr;align-items:start;gap:20px;display:grid}.input-panel,.result-panel{border:1px solid var(--border);background:var(--surface);border-radius:14px}.input-panel{padding:32px}.result-panel{background:var(--soft);padding:32px;position:sticky;top:20px}.panel-heading,.schedule-heading{justify-content:space-between;align-items:start;gap:16px;display:flex}.panel-heading h2,.below-grid h2,.schedule-heading h2,.methodology h2{letter-spacing:-.035em;margin:0;font-size:25px;line-height:1.15}.step-mark{color:var(--muted);padding-top:4px;font-size:12px}.field-grid{grid-template-columns:1fr 1fr;gap:24px 20px;margin-top:30px;display:grid}.field{color:var(--ink);gap:8px;font-size:14px;font-weight:600;display:grid}.field small{color:var(--muted);font-size:12px;font-weight:400;line-height:1.4}.input-wrap{min-height:52px;color:var(--muted);background:#fff;border:1px solid #aebbb1;border-radius:8px;align-items:center;padding:0 14px;font-weight:500;display:flex}.input-wrap:focus-within{outline:3px solid var(--focus);outline-offset:2px}.input-wrap input{width:100%;color:var(--ink);font-variant-numeric:tabular-nums;background:0 0;border:0;outline:0;padding:8px;font-size:18px}.assumption{border-top:1px solid var(--border);color:var(--muted);gap:12px;margin-top:32px;padding-top:20px;font-size:13px;display:flex}.assumption p{margin:0}.assumption-icon{border:1px solid var(--action);color:var(--action);border-radius:50%;place-items:center;width:20px;min-width:20px;height:20px;font-size:12px;font-weight:700;display:grid}.secondary-button,.primary-button{cursor:pointer;border:0;border-radius:8px;font-weight:700}.secondary-button{color:var(--action);background:0 0;margin-top:24px;padding:8px 0}.secondary-button:hover{text-decoration:underline}.result-top{border-bottom:1px solid #c8d6cb;padding-bottom:28px}.hero-number{letter-spacing:-.06em;font-variant-numeric:tabular-nums;margin:14px 0;font-size:clamp(42px,5vw,64px);font-weight:700;line-height:1}.result-subtitle{color:var(--muted);margin:0;font-size:13px}.result-list{gap:18px;padding:24px 0;display:grid}.result-list div,.savings-box div{justify-content:space-between;gap:20px;display:flex}.result-list span,.savings-box span{color:var(--muted);font-size:14px}.result-list strong,.savings-box strong{font-variant-numeric:tabular-nums}.savings-box{background:#fcfdfaa6;border:1px solid #b6c9ba;border-radius:10px;gap:10px;padding:16px;display:grid}.savings-box strong{color:var(--action)}.result-actions{gap:12px;margin-top:24px;display:grid}.primary-button{background:var(--action);color:#fff;padding:12px 16px}.primary-button:hover{background:var(--action-hover)}.text-button{color:var(--action);text-align:left;cursor:pointer;background:0 0;border:0;padding:0;font-weight:700}.text-button:hover{text-decoration:underline}.below-grid{border-bottom:1px solid var(--border);grid-template-columns:1fr 1fr;align-items:center;gap:96px;margin-top:96px;padding:0 0 72px;display:grid}.below-grid p,.methodology p{color:var(--muted);max-width:58ch}.inline-link{color:var(--action);gap:8px;margin-top:18px;font-weight:700;display:inline-flex}.mini-breakdown{background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:28px}.breakdown-bar{height:18px;display:flex}.breakdown-bar span:first-child{background:var(--action)}.breakdown-bar span:last-child{background:#b4c2b7}.legend{grid-template-columns:1fr auto;gap:12px 18px;margin-top:20px;font-size:14px;display:grid}.legend span{color:var(--muted)}.legend i{border-radius:50%;width:9px;height:9px;margin-right:8px;display:inline-block}.legend-principal{background:var(--action)}.legend-interest{background:#b4c2b7}.schedule-preview{padding:72px 0}.schedule-heading{align-items:end;margin-bottom:24px}.table-scroll{border:1px solid var(--border);background:var(--surface);border-radius:10px;overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:620px}th,td{text-align:right;border-bottom:1px solid var(--border);font-variant-numeric:tabular-nums;padding:14px 18px}th:first-child,td:first-child{text-align:left}th{color:var(--muted);font-size:12px;font-weight:600}tbody tr:last-child td{border-bottom:0}.methodology{border-top:1px solid var(--border);grid-template-columns:1fr 1fr;gap:96px;padding:72px 0;display:grid}.methodology h2{max-width:350px}.site-footer{border-top:1px solid var(--border);color:var(--muted);flex-wrap:wrap;gap:24px;padding:24px 0 48px;font-size:12px;display:flex}.site-footer span:nth-child(2){flex:1}.site-footer a:hover{text-decoration:underline}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}@media (max-width:800px){.site-header{gap:18px;padding:0 20px}.site-header nav{display:none}.locale-select{margin-left:auto}.intro,.calculator-layout,.below-grid,.schedule-preview,.methodology,.site-footer{margin-inline:20px}.intro{padding:48px 0 32px;display:block}.intro h1{font-size:48px}.review-note{max-width:none;margin-top:32px}.calculator-layout,.below-grid,.methodology{grid-template-columns:1fr}.result-panel{position:static}.below-grid,.methodology{gap:40px;margin-top:64px}.schedule-preview{padding:48px 0}.site-footer{margin-top:0}.field-grid{gap:20px 12px}.input-panel,.result-panel{padding:24px}}@media (max-width:520px){.field-grid{grid-template-columns:1fr}.intro h1{font-size:42px}.hero-number{font-size:48px}.site-header{height:68px}.locale-select select{max-width:150px}.site-footer{gap:8px;display:grid}}.comparison-card,.source-card{border:1px solid var(--border);background:var(--surface);border-radius:14px;max-width:1180px;margin:0 auto 72px;padding:28px}.comparison-input{color:var(--muted);gap:6px;font-size:12px;font-weight:600;display:grid}.comparison-input input{border:1px solid var(--border);border-radius:8px;width:180px;min-height:44px;padding:8px 10px}.field-note{color:var(--muted);font-size:12px;line-height:1.5}.source-card{grid-template-columns:1fr 1fr;gap:96px;display:grid}.source-card h2{letter-spacing:-.035em;margin:0;font-size:25px;line-height:1.15}.source-card p{color:var(--muted)}@media (max-width:800px){.comparison-card,.source-card{margin-inline:20px}.source-card{grid-template-columns:1fr;gap:32px}}@media print{.site-header,.input-panel,.result-actions,.below-grid,.methodology,.site-footer,.comparison-input,.text-button{display:none!important}.result-panel,.comparison-card,.source-card,.schedule-preview{box-shadow:none!important;border:0!important;margin:0!important;position:static!important}.schedule-preview{padding:20px 0!important}body{color:#000;background:#fff}.result-panel{background:#fff!important}}
.faq-list{border-top:1px solid var(--border);display:grid}.faq-list details{border-bottom:1px solid var(--border);padding:0 4px}.faq-list summary{cursor:pointer;padding:18px 32px 18px 0;font-weight:700;list-style:none;position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";color:var(--action);font-size:22px;font-weight:400;line-height:1;position:absolute;right:4px}.faq-list details[open] summary:after{content:"−"}.faq-list details p{color:var(--muted);margin:0 0 20px}.faq-list summary:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:4px}
.full-select{width:100%;min-height:52px;color:var(--ink);background:#fff;border:1px solid #aebbb1;border-radius:8px;padding:8px 12px}.full-select:focus{outline:3px solid var(--focus);outline-offset:2px}
.article-page article{max-width:720px;margin:0 auto;padding:80px 24px}.article-page h1{letter-spacing:-.05em;margin:0 0 30px;font-size:clamp(40px,6vw,64px);line-height:1.05}.article-page h2{letter-spacing:-.025em;margin:44px 0 14px;font-size:24px;line-height:1.2}.article-page article p{color:var(--muted);margin:0 0 22px;font-size:18px}.article-page .article-summary{border-inline-start:3px solid var(--action);color:var(--ink);padding-inline-start:16px}.article-page .article-sources{border-top:1px solid var(--border);margin-top:42px;padding-top:4px}.article-page .article-sources li{color:var(--muted);margin:10px 0}.article-page .article-sources a{color:var(--action);text-underline-offset:3px;text-decoration:underline}.article-page .article-meta{font-size:14px}.article-page article .primary-button{color:#fff;align-items:center;text-decoration:none;display:inline-flex}.article-page .site-footer{margin-inline:auto;padding-inline:24px}