:root{--accent:#00d1c1;--bg-app:#050510;--bg-card:#0d0d1f;--bg-input:#111128;--text-primary:#fff;--text-secondary:#88a;--text-muted:#557;--cyan:#00f3ff;--purple:#bc13fe;--green:#10b981;--red:#f43f5e;--amber:#f59e0b;--border:#ffffff14;--radius:12px}*{box-sizing:border-box;margin:0;padding:0}body{background:var(--bg-app);color:var(--text-primary);min-height:100vh;font-family:Inter,sans-serif;line-height:1.5}a{color:inherit;text-decoration:none}.main-container{max-width:1200px;margin:0 auto;padding:24px}.calc-title{margin-bottom:8px;font-size:2rem;font-weight:700}.calc-subtitle{color:var(--text-secondary);margin-bottom:24px;font-size:.95rem}.tab-nav{border-bottom:1px solid var(--border);gap:0;margin-bottom:24px;display:flex}.tab-btn{color:var(--text-secondary);cursor:pointer;background:0 0;border:none;border-bottom:2px solid #0000;margin-bottom:-1px;padding:10px 22px;font-family:inherit;font-size:.9rem;transition:all .2s}.tab-btn:hover{color:var(--text-primary)}.tab-btn.active{color:var(--accent);border-bottom-color:var(--accent);font-weight:600}.tab-content{display:none}.tab-content.active{display:block}.calc-layout{grid-template-columns:360px 1fr;align-items:start;gap:20px;display:grid}@media (width<=900px){.calc-layout{grid-template-columns:minmax(0,1fr);overflow:hidden}}@media (width<=768px){.main-container{padding:16px}.calc-title{font-size:1.5rem}.tab-btn{padding:8px 12px;font-size:.81rem}}.card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:20px}.input-card{border-left:3px solid var(--cyan)}.result-card{border-left:3px solid var(--purple)}.section-title{color:var(--text-primary);margin-bottom:14px;font-size:1rem;font-weight:700}.form-group{margin-bottom:14px}.form-label{color:var(--text-secondary);margin-bottom:6px;font-size:.82rem;font-weight:500;display:block}.form-input,.form-select{background:var(--bg-input);border:1px solid var(--border);width:100%;color:var(--text-primary);border-radius:8px;padding:10px 14px;font-family:inherit;font-size:.92rem;transition:border-color .2s}.form-input:focus,.form-select:focus{border-color:var(--accent);outline:none}.form-select option{background:var(--bg-card)}.inline-inputs{grid-template-columns:1fr 1fr;gap:8px;display:grid}.state-chips{flex-wrap:wrap;gap:6px;margin-bottom:14px;display:flex}.state-chip{border:1px solid var(--border);background:var(--bg-input);color:var(--text-secondary);cursor:pointer;white-space:nowrap;border-radius:8px;padding:5px 13px;font-size:.8rem;font-weight:500;transition:all .2s}.state-chip:hover{border-color:var(--accent);color:var(--text-primary)}.state-chip.active{border-color:var(--accent);color:var(--accent);background:#00d1c11f;font-weight:600}.finance-toggle{background:var(--bg-input);border:1px solid var(--border);border-radius:8px;gap:3px;margin-bottom:14px;padding:3px;display:flex}.finance-btn{color:var(--text-secondary);cursor:pointer;background:0 0;border:none;border-radius:6px;flex:1;padding:7px 12px;font-family:inherit;font-size:.85rem;font-weight:500;transition:all .2s}.finance-btn.active{color:var(--accent);background:#00d1c126;border:1px solid #00d1c14d}.loan-panel{background:#00d1c10a;border:1px solid #00d1c126;border-radius:10px;margin-bottom:14px;padding:14px;display:none}.loan-panel.visible{display:block}.loan-term-chips{flex-wrap:wrap;gap:6px;display:flex}.loan-term-chip{border:1px solid var(--border);background:var(--bg-input);color:var(--text-secondary);cursor:pointer;border-radius:6px;padding:5px 12px;font-size:.8rem;transition:all .2s}.loan-term-chip.active{border-color:var(--accent);color:var(--accent);background:#00d1c11a}.monthly-payment-display{color:var(--accent);text-align:center;background:#00d1c114;border:1px solid #00d1c133;border-radius:8px;margin-top:10px;padding:10px 14px;font-size:.85rem;font-weight:600}.adv-details{margin-top:6px}.adv-details>summary{cursor:pointer;color:var(--text-muted);user-select:none;align-items:center;gap:6px;padding:6px 0;font-size:.82rem;list-style:none;transition:color .2s;display:flex}.adv-details>summary:before{content:"▶";font-size:.65rem;transition:transform .2s}.adv-details[open]>summary:before{transform:rotate(90deg)}.adv-details>summary:hover,.adv-details[open]>summary{color:var(--text-secondary)}.adv-content{padding-top:10px}.hero-result{text-align:center;border-radius:var(--radius);background:linear-gradient(135deg,#00d1c114,#00f3ff0a);border:1px solid #00d1c133;margin-bottom:16px;padding:24px}.hero-label{color:var(--text-muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:4px;font-size:.75rem}.hero-value{color:var(--accent);font-size:2.4rem;font-weight:800;line-height:1.1}.hero-sub{color:var(--text-secondary);margin-top:6px;font-size:.85rem}.hero-badges{flex-wrap:wrap;justify-content:center;gap:8px;margin-top:10px;display:flex}.hero-badge{border-radius:20px;padding:3px 10px;font-size:.75rem;font-weight:600}.hero-badge-irr{color:#6ee7b7;background:#10b98126;border:1px solid #10b9814d}.hero-badge-payback{color:var(--accent);background:#00d1c11f;border:1px solid #00d1c14d}.stat-grid{grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px;display:grid}@media (width<=600px){.stat-grid{grid-template-columns:repeat(2,1fr)}}.stat-card{background:var(--bg-input);border:1px solid var(--border);border-left:3px solid var(--purple);border-radius:10px;padding:12px}.stat-label{color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px;font-size:.68rem}.stat-value{color:var(--text-primary);font-size:1rem;font-weight:700}.formula-strip{flex-wrap:wrap;gap:8px;margin-bottom:16px;display:flex}.formula-pill{color:var(--accent);white-space:nowrap;background:#00d1c11a;border:1px solid #00d1c14d;border-radius:20px;padding:5px 14px;font-size:.75rem}.alert-stack{flex-direction:column;gap:7px;margin-bottom:16px;display:flex}.alert{border-left:3px solid;border-radius:8px;padding:9px 13px;font-size:.83rem}.alert-info{color:#7fffd4;background:#00d1c112;border-color:#00d1c1}.alert-success{border-color:var(--green);color:#6ee7b7;background:#10b98114}.alert-warn{border-color:var(--amber);color:#fcd34d;background:#f59e0b14}.alert-danger{border-color:var(--red);color:#fca5a5;background:#f43f5e14}.act-row{flex-wrap:wrap;gap:8px;margin-top:4px;display:flex}.act-btn{border:1px solid var(--border);background:var(--bg-input);color:var(--text-secondary);cursor:pointer;border-radius:8px;align-items:center;gap:6px;padding:8px 14px;font-family:inherit;font-size:.82rem;transition:all .2s;display:flex}.act-btn:hover{border-color:var(--accent);color:var(--accent)}.act-btn svg{flex-shrink:0}.data-table{border-collapse:collapse;width:100%;font-size:.87rem}.data-table th{color:var(--accent);text-align:left;border-bottom:1px solid var(--border);background:#00d1c11a;padding:10px 14px;font-weight:600}.data-table td{color:var(--text-secondary);border-bottom:1px solid #ffffff0a;padding:9px 14px}.data-table tr:hover td{background:#ffffff0a}.data-table .break-even-row{background:#10b98114!important}.data-table .break-even-row td{color:var(--text-primary)}.chart-wrap{height:280px;margin-bottom:20px;position:relative}.scenario-cards{grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:24px;display:grid}@media (width<=700px){.scenario-cards{grid-template-columns:minmax(0,1fr);overflow:hidden}}.scenario-card{background:var(--bg-input);border:1px solid var(--border);border-radius:var(--radius);padding:16px}.scenario-card--bear{border-left:3px solid var(--red)}.scenario-card--base{border-left:3px solid var(--accent)}.scenario-card--bull{border-left:3px solid var(--green)}.scenario-card__label{text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px;font-size:.7rem;font-weight:700}.scenario-card--bear .scenario-card__label{color:var(--red)}.scenario-card--base .scenario-card__label{color:var(--accent)}.scenario-card--bull .scenario-card__label{color:var(--green)}.scenario-card__assumption{color:var(--text-muted);margin-bottom:12px;font-size:.72rem;line-height:1.4}.scenario-card__stats{flex-direction:column;gap:6px;display:flex}.scenario-stat{justify-content:space-between;align-items:center;display:flex}.scenario-stat__label{color:var(--text-secondary);font-size:.75rem}.scenario-stat__value{color:var(--text-primary);font-size:.85rem;font-weight:700}.scenario-stat__value.positive{color:var(--green)}.scenario-stat__value.negative{color:var(--red)}.heatmap-wrap{margin-bottom:24px;overflow-x:auto}.heatmap-table{border-collapse:collapse;width:100%;font-size:.86rem}.heatmap-table th{text-align:center;color:var(--text-secondary);border:1px solid var(--border);background:#0003;padding:9px 12px;font-size:.78rem;font-weight:600}.heatmap-table th.row-header{text-align:left}.heatmap-table td{text-align:center;border:1px solid var(--border);padding:9px 12px;font-size:.83rem;font-weight:500;transition:opacity .15s}.heatmap-table td.current-cell{font-weight:800;border:2px solid var(--accent)!important}.state-comparison-wrap{height:220px;position:relative}.toast{z-index:9999;border-radius:10px;max-width:320px;padding:12px 18px;font-size:.87rem;font-weight:500;animation:.25s toast-in;position:fixed;bottom:24px;right:24px}.toast-success{color:#6ee7b7;background:#10b98126;border:1px solid #10b98166}.toast-info{color:var(--accent);background:#00d1c11f;border:1px solid #00d1c159}.toast-warn{color:#fcd34d;background:#f59e0b1f;border:1px solid #f59e0b59}@keyframes toast-in{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}.compare-card{background:var(--bg-input);border:1px solid var(--border);border-radius:10px;margin-top:12px;padding:14px}.compare-row{border-bottom:1px solid #ffffff0a;justify-content:space-between;align-items:center;padding:5px 0;font-size:.84rem;display:flex}.compare-row:last-child{border-bottom:none}.compare-row__label{color:var(--text-secondary)}.compare-row__val{font-weight:600}.compare-row__val.cash{color:var(--accent)}.compare-row__val.loan{color:var(--amber)}.faq-list{flex-direction:column;display:flex}.faq-item{border-bottom:1px solid #ffffff0f}.faq-item__question{cursor:pointer;color:var(--text-primary);user-select:none;justify-content:space-between;align-items:center;padding:14px 4px;font-size:.9rem;font-weight:600;list-style:none;transition:color .2s;display:flex}.faq-item__question::-webkit-details-marker{display:none}.faq-item__question:after{content:"+";color:var(--text-muted);flex-shrink:0;margin-left:16px;font-family:monospace;font-size:1.1rem;transition:color .2s}.faq-item[open] .faq-item__question:after{content:"−";color:var(--accent)}.faq-item__question:hover{color:var(--accent)}.faq-item__answer{color:var(--text-secondary);padding:0 4px 14px;font-size:.85rem;line-height:1.75}[data-theme=light] .faq-list{gap:8px}[data-theme=light] .faq-item{background:#fff;border:1px solid #0000001a;border-radius:10px;transition:box-shadow .2s,border-color .2s;overflow:hidden;box-shadow:0 1px 4px #0000000f}[data-theme=light] .faq-item:hover{border-color:#0891b259;box-shadow:0 2px 10px #0891b214}[data-theme=light] .faq-item[open]{border-color:#0891b266 #0891b266 #0891b266 #0891b2;border-left-style:solid;border-left-width:3px;box-shadow:0 2px 12px #0891b21a}[data-theme=light] .faq-item__question{color:#0f172a;padding:14px 16px}[data-theme=light] .faq-item__question:after{color:#64748b}[data-theme=light] .faq-item[open] .faq-item__question:after,[data-theme=light] .faq-item__question:hover{color:#0891b2}[data-theme=light] .faq-item__answer{color:#475569;border-top:1px solid #0000000f;padding:12px 16px 16px}.page-sections-outer{max-width:1600px;margin:0 auto;padding:0 1.5rem 3rem}.related-section{max-width:1200px;margin:0 auto;padding:0 24px 48px}.related-section h2{margin-bottom:16px;font-size:1.3rem}.related-grid{grid-template-columns:repeat(auto-fill,minmax(185px,1fr));gap:12px;display:grid}.related-card{background:var(--bg-card);border:1px solid var(--border);color:var(--text-secondary);border-radius:8px;padding:13px;font-size:.87rem;transition:all .2s}.related-card:hover{border-color:var(--accent);color:var(--text-primary)}.subsection-label{color:var(--text-secondary);text-transform:uppercase;letter-spacing:.06em;margin-top:20px;margin-bottom:10px;font-size:.82rem;font-weight:700}.subsection-label:first-child{margin-top:0}[data-theme=light]{--accent:#0891b2;--bg-app:#e8edf5;--bg-card:#fff;--bg-input:#f0f4f9;--text-primary:#0f172a;--text-secondary:#334155;--text-muted:#64748b;--cyan:#0891b2;--purple:#7c3aed;--green:#059669;--red:#dc2626;--amber:#d97706;--border:#0000001f;--radius:12px}[data-theme=light] body{background:var(--bg-app);color:var(--text-primary)}[data-theme=light] .calc-title{color:#0f172a}[data-theme=light] .calc-subtitle{color:#475569}[data-theme=light] .card{background:#fff;border-color:#0000001f;box-shadow:0 2px 12px #00000017}[data-theme=light] .input-card{border-left-color:#0e7490}[data-theme=light] .result-card{border-left-color:#7c3aed}[data-theme=light] .section-title{color:#0f172a}[data-theme=light] .tab-nav{border-bottom-color:#0000001f}[data-theme=light] .tab-btn{color:#475569}[data-theme=light] .tab-btn:hover{color:#0f172a}[data-theme=light] .tab-btn.active{color:#0891b2;border-bottom-color:#0891b2}[data-theme=light] .form-input,[data-theme=light] .form-select{color:#0f172a;background:#edf2f9;border-color:#00000024}[data-theme=light] .form-input:focus,[data-theme=light] .form-select:focus{border-color:#0891b2;box-shadow:0 0 0 3px #0891b21a}[data-theme=light] .form-select option{color:#0f172a;background:#fff}[data-theme=light] .form-label{color:#334155}[data-theme=light] .form-input::placeholder{color:#0006}[data-theme=light] .subsection-label{color:#475569}[data-theme=light] .state-chip{color:#334155;background:#edf2f9;border-color:#0000001f}[data-theme=light] .state-chip:hover{color:#0891b2;border-color:#0891b2}[data-theme=light] .state-chip.active{color:#0891b2;background:#0891b21a;border-color:#0891b2}[data-theme=light] .finance-toggle{background:#edf2f9;border-color:#0000001f}[data-theme=light] .finance-btn{color:#475569}[data-theme=light] .finance-btn:hover{color:#0f172a}[data-theme=light] .finance-btn.active{color:#fff;background:#0891b2;border:1px solid #0891b2}[data-theme=light] .loan-panel{background:#eff9fb;border-color:#0891b240}[data-theme=light] .loan-term-chip{color:#334155;background:#edf2f9;border-color:#0000001f}[data-theme=light] .loan-term-chip:hover{color:#0891b2;border-color:#0891b2}[data-theme=light] .loan-term-chip.active{color:#0891b2;background:#0891b21f;border-color:#0891b2}[data-theme=light] .monthly-payment-display{color:#0891b2;background:#eff9fb;border-color:#0891b240}[data-theme=light] .adv-details>summary{color:#94a3b8}[data-theme=light] .adv-details>summary:hover{color:#475569}[data-theme=light] .adv-details[open]>summary{color:#64748b}[data-theme=light] .adv-details>summary:before{color:#94a3b8}[data-theme=light] .hero-result{background:linear-gradient(135deg,#0891b20f,#0891b205);border-color:#0891b240;box-shadow:0 2px 12px #0891b20f}[data-theme=light] .hero-label{color:#64748b}[data-theme=light] .hero-value{color:#0891b2;text-shadow:none}[data-theme=light] .hero-sub{color:#475569}[data-theme=light] .hero-badge-irr{color:#059669;background:#f0fdf4;border-color:#0596694d}[data-theme=light] .hero-badge-payback{color:#0891b2;background:#eff9fb;border-color:#0891b24d}[data-theme=light] .stat-card{background:#edf2f9;border-color:#0000001a #0000001a #0000001a #7c3aed;box-shadow:0 1px 4px #0000000f}[data-theme=light] .stat-label{color:#64748b}[data-theme=light] .stat-value{color:#0f172a}[data-theme=light] .formula-strip{gap:8px}[data-theme=light] .formula-pill{color:#0891b2;background:#0891b214;border-color:#0891b240}[data-theme=light] .alert-info{color:#0e7490;background:#eff9fb;border-color:#0891b266}[data-theme=light] .alert-success{color:#059669;background:#f0fdf4;border-color:#05966966}[data-theme=light] .alert-warn{color:#d97706;background:#fffbeb;border-color:#d9770666}[data-theme=light] .alert-danger{color:#dc2626;background:#fff1f2;border-color:#dc26264d}[data-theme=light] .act-btn{color:#334155;background:#edf2f9;border-color:#0000001f}[data-theme=light] .act-btn:hover{color:#0891b2;background:#e8f6f8;border-color:#0891b2}[data-theme=light] .data-table th{color:#0891b2;background:#0891b212;border-bottom-color:#0000001a}[data-theme=light] .data-table td{color:#334155;border-bottom-color:#0000000f}[data-theme=light] .data-table tr:hover td{background:#edf2f9}[data-theme=light] .data-table .break-even-row{background:#f0fdf4!important}[data-theme=light] .data-table .break-even-row td{color:#0f172a}[data-theme=light] .scenario-card{background:#fff;border-color:#0000001f;box-shadow:0 1px 4px #0000000f}[data-theme=light] .scenario-card--bear{border-left-color:#dc2626}[data-theme=light] .scenario-card--base{border-left-color:#0891b2}[data-theme=light] .scenario-card--bull{border-left-color:#059669}[data-theme=light] .scenario-card__assumption{color:#64748b}[data-theme=light] .scenario-stat__label{color:#475569}[data-theme=light] .scenario-stat__value{color:#0f172a}[data-theme=light] .scenario-stat__value.positive{color:#059669}[data-theme=light] .scenario-stat__value.negative{color:#dc2626}[data-theme=light] .heatmap-table th{color:#334155;background:#edf2f9;border-color:#0000001f}[data-theme=light] .heatmap-table td{border-color:#0000001a}[data-theme=light] .heatmap-table td.current-cell{border-color:#0891b2!important}[data-theme=light] .compare-card{background:#edf2f9;border-color:#0000001f}[data-theme=light] .compare-row{border-bottom-color:#0000000f}[data-theme=light] .compare-row__label{color:#475569}[data-theme=light] .compare-row__val{color:#0f172a}[data-theme=light] .compare-row__val.cash{color:#0891b2}[data-theme=light] .compare-row__val.loan{color:#d97706}[data-theme=light] .related-section h2{color:#0f172a}[data-theme=light] .related-card{color:#475569;background:#fff;border-color:#0000001f;box-shadow:0 1px 4px #0000000f}[data-theme=light] .related-card:hover{color:#0f172a;border-color:#0891b2;box-shadow:0 2px 10px #0891b21a}[data-theme=light] .toast-success{color:#059669;background:#f0fdf4;border-color:#05966966}[data-theme=light] .toast-info{color:#0891b2;background:#eff9fb;border-color:#0891b266}[data-theme=light] .toast-warn{color:#d97706;background:#fffbeb;border-color:#d9770666}[data-theme=light] .page-sections-outer{color:#0f172a}