:root{--bg-dark:#050510;--card:#0c0c1ed9;--input-bg:#ffffff0a;--text-main:#fff;--text-dim:#88a;--text-muted:#666;--border:#ffffff0f;--cyan:#22d3ee;--purple:#a855f7;--accent:var(--calc-color-finance);--font-mono:"JetBrains Mono", "SFMono-Regular", consolas, monospace}*,:before,:after{box-sizing:border-box;margin:0;padding:0}body{background:var(--calc-bg-page);color:var(--calc-text-primary);min-height:100vh;font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;line-height:1.6}.glass-navbar{-webkit-backdrop-filter:blur(12px);z-index:1000;background:#050510eb;border-bottom:1px solid #ffffff0f;padding:0 2rem;position:sticky;top:0}.nav-link.active{color:var(--calc-cyan)}.main-container{max-width:1300px;margin:0 auto;padding:24px}.breadcrumb{color:var(--calc-text-muted);align-items:center;gap:6px;margin-bottom:16px;font-size:.8rem;display:flex}.breadcrumb a{color:var(--calc-text-dim);text-decoration:none}.breadcrumb a:hover{color:var(--calc-cyan)}.bc-sep{color:var(--calc-text-muted)}.page-title{text-align:center;color:var(--calc-text-primary);margin-bottom:.4rem;font-size:2.5rem;font-weight:800}.section-desc{color:var(--calc-text-dim);text-align:center;margin-bottom:1.5rem;font-size:.95rem;line-height:1.6}.outer-tabs{border:1px solid var(--calc-border-default);background:#ffffff08;border-radius:12px;justify-content:center;gap:4px;margin-bottom:20px;padding:5px;display:flex}.outer-tab-btn{color:var(--calc-text-dim);cursor:pointer;background:0 0;border:none;border-radius:8px;padding:10px 22px;font-family:inherit;font-size:.88rem;font-weight:600;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.outer-tab-btn:hover{color:var(--calc-text-primary);background:#ffffff0a}.outer-tab-btn.active{background:var(--calc-cyan);color:#050510;box-shadow:0 4px 16px #22d3ee40}.outer-tab-panel{display:none}.outer-tab-panel.active{display:block}.calc-wrapper{grid-template-columns:1fr 1fr;align-items:start;gap:24px;display:grid}.input-card,.result-card{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:16px;padding:24px}.input-card{border-left:3px solid var(--calc-cyan)}.result-card{border-left:3px solid var(--purple)}.card-header{text-transform:uppercase;letter-spacing:1.5px;color:var(--calc-cyan);align-items:center;gap:8px;margin-bottom:16px;font-size:.78rem;font-weight:700;display:flex}.result-header{color:var(--purple)}.input-group{margin-bottom:14px}.input-label{color:var(--calc-text-dim);margin-bottom:5px;font-size:.8rem;font-weight:600;display:block}.input-wrapper{background:var(--input-bg);border:1px solid var(--calc-border-default);border-radius:8px;align-items:center;transition:border-color .2s;display:flex;overflow:hidden}.input-wrapper:focus-within{border-color:var(--calc-cyan)}.input-prefix,.input-suffix{color:var(--calc-text-dim);font-size:.85rem;font-family:var(--font-mono);flex-shrink:0;padding:0 10px}.preset-section{margin-top:14px}.preset-label{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:1px;margin-bottom:6px;font-size:.75rem;font-weight:600}.preset-chips{flex-wrap:wrap;gap:6px;display:flex}.preset-chip{border:1px solid var(--calc-border-default);color:var(--calc-text-dim);cursor:pointer;background:#ffffff08;border-radius:20px;padding:6px 14px;font-family:inherit;font-size:.78rem;font-weight:600;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s}.preset-chip:hover{border-color:var(--calc-cyan);color:var(--calc-text-primary)}.preset-chip.active{border-color:var(--calc-cyan);color:var(--calc-cyan);background:#22d3ee1f}.extra-note{color:var(--calc-cyan);min-height:1.1em;font-size:.75rem;font-family:var(--font-mono);margin-top:6px}.action-row{border-top:1px solid var(--calc-border-default);gap:8px;margin-top:18px;padding-top:14px;display:flex}.action-btn{border:1px solid var(--calc-border-default);color:var(--calc-text-dim);cursor:pointer;background:#ffffff08;border-radius:8px;align-items:center;gap:5px;padding:7px 14px;font-family:inherit;font-size:.78rem;font-weight:600;transition:transform .25s,opacity .25s,color .2s,box-shadow .25s;display:flex}.action-btn:hover{border-color:var(--calc-cyan);color:var(--calc-cyan)}.hero-result{text-align:center;border-bottom:1px solid var(--calc-border-default);margin-bottom:16px;padding:20px 0 16px}.hero-label{text-transform:uppercase;letter-spacing:1.5px;color:var(--calc-text-dim);margin-bottom:4px;font-size:.78rem;font-weight:700}.hero-value{color:var(--calc-cyan);font-size:2.8rem;font-weight:800;font-family:var(--font-mono);line-height:1.1}.stat-grid{grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px;display:grid}.stat-cell{border:1px solid var(--calc-border-default);background:#ffffff08;border-radius:10px;padding:12px 14px}.stat-label{text-transform:uppercase;letter-spacing:1px;color:var(--calc-text-muted);margin-bottom:2px;font-size:.7rem;font-weight:600}.stat-value{color:var(--calc-text-primary);font-size:1.05rem;font-weight:700;font-family:var(--font-mono)}.savings-banner{background:#22d3ee0f;border:1px solid #22d3ee33;border-radius:12px;align-items:center;gap:12px;margin-top:4px;padding:14px 18px;display:flex}.savings-icon{flex-shrink:0;font-size:1.5rem}.savings-text{color:var(--calc-text-dim);font-size:.88rem;line-height:1.5}.savings-text strong{color:var(--calc-cyan)}.amort-compare-wrap{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:16px;padding:24px}.amort-compare-header{margin-bottom:16px}.amort-compare-header h3{color:var(--calc-text-primary);margin-bottom:4px;font-size:1rem;font-weight:700}.amort-compare-header p{color:var(--calc-text-dim);font-size:.82rem}.amort-compare-table-wrap{border:1px solid var(--calc-border-default);border-radius:8px;max-height:520px;overflow-y:auto}.amort-compare-table{border-collapse:collapse;width:100%;font-size:.78rem}.amort-compare-table thead tr{background:#ffffff0a}.amort-compare-table th{text-align:right;color:var(--calc-text-dim);text-transform:uppercase;letter-spacing:.8px;z-index:1;white-space:nowrap;background:#161b22fa;padding:10px;font-size:.7rem;font-weight:700;position:sticky;top:0}.amort-compare-table th:first-child{text-align:center}.amort-compare-table th.section-orig{color:#88a;border-left:2px solid #88a3}.amort-compare-table th.section-extra{color:var(--calc-cyan);border-left:2px solid #22d3ee33}.amort-compare-table td{text-align:right;color:var(--calc-text-dim);font-family:var(--font-mono);border-bottom:1px solid #ffffff08;padding:7px 10px;font-size:.77rem}.amort-compare-table td:first-child{text-align:center;color:var(--calc-text-muted)}.amort-compare-table td.section-border{border-left:2px solid #ffffff0d}.amort-compare-table td.accent{color:var(--calc-cyan);font-weight:600}.amort-compare-table td.paid-off{color:var(--calc-text-muted);font-size:.72rem;font-style:italic}.amort-compare-table tr:hover td{background:#22d3ee05}.amort-compare-table-wrap::-webkit-scrollbar{width:6px}.amort-compare-table-wrap::-webkit-scrollbar-track{background:#ffffff05}.amort-compare-table-wrap::-webkit-scrollbar-thumb{background:#ffffff1a;border-radius:3px}.chart-tab-wrap{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:16px;padding:24px}.chart-tab-header{margin-bottom:20px}.chart-tab-header h3{color:var(--calc-text-primary);margin-bottom:4px;font-size:1rem;font-weight:700}.chart-tab-header p{color:var(--calc-text-dim);font-size:.82rem}.page-sections-outer{max-width:1600px;margin:0 auto;padding:0 1.5rem 3rem}[data-theme=light]{--bg-dark:#e8edf5;--card:#fffffff2;--input-bg:#edf2f9;--text-main:#0f172a;--text-dim:#475569;--text-muted:#64748b;--border:#0000001a;--cyan:#0891b2;--purple:#7c3aed;--accent:var(--calc-color-finance)}[data-theme=light] body{background:#e8edf5}[data-theme=light] .glass-navbar{backdrop-filter:blur(12px);background:#fffffff2;border-bottom-color:#00000014}[data-theme=light] .nav-link.active{color:#0891b2}[data-theme=light] .input-card,[data-theme=light] .result-card{background:#fff;border-color:#0000001a;box-shadow:0 2px 12px #00000014}[data-theme=light] .input-card{border-left-color:#0891b2}[data-theme=light] .result-card{border-left-color:#7c3aed}[data-theme=light] .input-wrapper{background:#edf2f9;border-color:#0000001f}[data-theme=light] .input-wrapper:focus-within{border-color:#0891b2}[data-theme=light] .glass-input::placeholder{color:#00000059}[data-theme=light] .input-prefix,[data-theme=light] .input-suffix{color:#64748b}[data-theme=light] .outer-tabs{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .outer-tab-btn{color:#64748b}[data-theme=light] .outer-tab-btn:hover{color:#0f172a;background:#0000000a}[data-theme=light] .outer-tab-btn.active{color:#fff;background:#0891b2;box-shadow:0 4px 16px #0891b240}[data-theme=light] .preset-chip{color:#475569;background:#f0f4f9;border-color:#0000001f}[data-theme=light] .preset-chip:hover{color:#0891b2;border-color:#0891b2}[data-theme=light] .preset-chip.active{color:#0891b2;background:#0891b21a;border-color:#0891b2}[data-theme=light] .extra-note{color:#0891b2}[data-theme=light] .action-btn{color:#475569;background:#f0f4f9;border-color:#0000001a}[data-theme=light] .action-btn:hover{color:#0891b2;border-color:#0891b2}[data-theme=light] .hero-value{color:#0891b2}[data-theme=light] .hero-result{border-bottom-color:#00000014}[data-theme=light] .stat-cell{background:#edf2f9;border-color:#00000014}[data-theme=light] .stat-value{color:#0f172a}[data-theme=light] .savings-banner{background:#eff9fb;border-color:#0891b240}[data-theme=light] .savings-text{color:#475569}[data-theme=light] .savings-text strong{color:#0891b2}[data-theme=light] .amort-compare-wrap{background:#fff;border-color:#0000001a;box-shadow:0 2px 12px #00000014}[data-theme=light] .amort-compare-header h3{color:#0f172a}[data-theme=light] .amort-compare-header p{color:#64748b}[data-theme=light] .amort-compare-table-wrap{border-color:#0000001a}[data-theme=light] .amort-compare-table th{color:#475569;background:#edf2f9}[data-theme=light] .amort-compare-table th.section-orig{color:#64748b;border-left-color:#0000001a}[data-theme=light] .amort-compare-table th.section-extra{color:#0891b2;border-left-color:#0891b240}[data-theme=light] .amort-compare-table td{color:#475569;border-bottom-color:#0000000a}[data-theme=light] .amort-compare-table td.section-border{border-left-color:#00000014}[data-theme=light] .amort-compare-table td.accent{color:#0891b2}[data-theme=light] .amort-compare-table td.paid-off{color:#94a3b8}[data-theme=light] .amort-compare-table tr:hover td{background:#0891b20a}[data-theme=light] .amort-compare-table-wrap::-webkit-scrollbar-track{background:#f0f4f9}[data-theme=light] .amort-compare-table-wrap::-webkit-scrollbar-thumb{background:#00000026}[data-theme=light] .chart-tab-wrap{background:#fff;border-color:#0000001a;box-shadow:0 2px 12px #00000014}[data-theme=light] .chart-tab-header h3{color:#0f172a}[data-theme=light] .chart-tab-header p{color:#64748b}@media (width<=900px){.calc-wrapper{grid-template-columns:1fr}.page-title{font-size:1.8rem}.hero-value{font-size:2.2rem}.outer-tabs{flex-wrap:wrap}.outer-tab-btn{text-align:center;flex:1;min-width:120px}}@media (width<=600px){.main-container{padding:16px}.stat-grid{grid-template-columns:1fr}.amort-compare-table{font-size:.7rem}.amort-compare-table th,.amort-compare-table td{padding:6px}}