:root{--bg-dark:#050510;--card:#0c0c1ed9;--input-bg:#ffffff0a;--text-main:#fff;--text-dim:#88a;--text-muted:#666;--border:#ffffff0f;--cyan:#00f3ff;--purple:#bc13fe;--accent:#00f3ff;--font-mono:"JetBrains Mono", "SFMono-Regular", Consolas, monospace}*,:before,:after{box-sizing:border-box;margin:0;padding:0}body{background:var(--bg-dark);color:var(--text-main);min-height:100vh;font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;line-height:1.6}.skip-link{background:var(--cyan);color:#000;z-index:10000;border-radius:4px;padding:8px 16px;font-weight:700;position:absolute;top:auto;left:-9999px}.skip-link:focus{top:16px;left:16px}.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(--cyan)!important}.main-container{max-width:1300px;margin:0 auto;padding:24px}.breadcrumb{color:var(--text-muted);align-items:center;gap:6px;margin-bottom:16px;font-size:.8rem;display:flex}.breadcrumb a{color:var(--text-dim);text-decoration:none}.breadcrumb a:hover{color:var(--cyan)}.bc-sep{color:var(--text-muted)}.page-title{text-align:center;color:var(--text-main);margin-bottom:.4rem;font-size:2.5rem;font-weight:800}.section-desc{color:var(--text-dim);text-align:center;margin-bottom:1.5rem;font-size:.95rem;line-height:1.6}.outer-tabs{border:1px solid var(--border);background:#ffffff08;border-radius:12px;justify-content:center;gap:4px;margin-bottom:20px;padding:5px;display:flex}.outer-tab-btn{color:var(--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:all .25s}.outer-tab-btn:hover{color:var(--text-main);background:#ffffff0a}.outer-tab-btn.active{background:var(--cyan);color:#050510;box-shadow:0 4px 16px #00f3ff40}.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(--card);border:1px solid var(--border);border-radius:16px;padding:24px}.input-card{border-left:3px solid var(--cyan)}.result-card{border-left:3px solid var(--purple)}.card-header{text-transform:uppercase;letter-spacing:1.5px;color:var(--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(--text-dim);margin-bottom:5px;font-size:.8rem;font-weight:600;display:block}.input-wrapper{background:var(--input-bg);border:1px solid var(--border);border-radius:8px;align-items:center;transition:border-color .2s;display:flex;overflow:hidden}.input-wrapper:focus-within{border-color:var(--cyan)}.input-prefix,.input-suffix{color:var(--text-dim);font-size:.85rem;font-family:var(--font-mono);flex-shrink:0;padding:0 10px}.glass-input{color:var(--text-main);background:0 0;border:none;outline:none;flex:1;min-width:0;padding:10px 12px;font-family:inherit;font-size:.95rem}.glass-input::placeholder{color:#ffffff4d}.input-row{align-items:center;gap:8px;display:flex}.term-toggle{border:1px solid var(--border);border-radius:8px;flex-shrink:0;display:flex;overflow:hidden}.term-btn{color:var(--text-dim);cursor:pointer;background:0 0;border:none;padding:9px 14px;font-family:inherit;font-size:.8rem;font-weight:600;transition:all .2s}.term-btn.active{background:var(--cyan);color:#050510}.term-btn:not(.active):hover{color:var(--text-main)}.preset-section{margin-top:14px}.preset-label{color:var(--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(--border);color:var(--text-dim);cursor:pointer;background:#ffffff08;border-radius:20px;padding:6px 14px;font-family:inherit;font-size:.78rem;font-weight:600;transition:all .2s}.preset-chip:hover{border-color:var(--cyan);color:var(--text-main)}.preset-chip.active{border-color:var(--cyan);color:var(--cyan);background:#00f3ff1f}.action-row{border-top:1px solid var(--border);gap:8px;margin-top:18px;padding-top:14px;display:flex}.action-btn{border:1px solid var(--border);color:var(--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:all .2s;display:flex}.action-btn:hover{border-color:var(--cyan);color:var(--cyan)}.hero-result{text-align:center;border-bottom:1px solid var(--border);margin-bottom:16px;padding:20px 0 16px}.hero-label{text-transform:uppercase;letter-spacing:1.5px;color:var(--text-dim);margin-bottom:4px;font-size:.78rem;font-weight:700}.hero-value{color:var(--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(--border);background:#ffffff08;border-radius:10px;padding:12px 14px}.stat-label{text-transform:uppercase;letter-spacing:1px;color:var(--text-muted);margin-bottom:2px;font-size:.7rem;font-weight:600}.stat-value{color:var(--text-main);font-size:1.05rem;font-weight:700;font-family:var(--font-mono)}.chart-section{margin-top:16px}.chart-label{text-transform:uppercase;letter-spacing:1px;color:var(--text-muted);margin-bottom:10px;font-size:.75rem;font-weight:600}.amort-drawer{margin-top:16px}.amort-toggle{cursor:pointer;border:1px solid var(--border);color:var(--text-dim);user-select:none;background:#ffffff08;border-radius:10px;justify-content:space-between;align-items:center;padding:12px 16px;font-size:.85rem;font-weight:600;list-style:none;transition:all .2s;display:flex}.amort-toggle::-webkit-details-marker{display:none}.amort-toggle:hover{border-color:var(--cyan);color:var(--text-main)}.amort-arrow{font-size:.75rem;transition:transform .3s}.amort-drawer[open] .amort-arrow{transform:rotate(180deg)}.amort-content{padding-top:12px}.amort-table-wrap{border:1px solid var(--border);border-radius:8px;max-height:400px;overflow-y:auto}.amort-table{border-collapse:collapse;width:100%;font-size:.8rem}.amort-table th{text-align:right;color:var(--text-dim);text-transform:uppercase;letter-spacing:.8px;z-index:1;background:#ffffff0a;padding:10px 12px;font-size:.72rem;font-weight:700;position:sticky;top:0}.amort-table th:first-child{text-align:center}.amort-table td{text-align:right;color:var(--text-dim);font-family:var(--font-mono);border-bottom:1px solid #ffffff08;padding:8px 12px;font-size:.78rem}.amort-table td:first-child{text-align:center;color:var(--text-muted)}.amort-table tr:hover td{background:#00f3ff08}.amort-table-wrap::-webkit-scrollbar{width:6px}.amort-table-wrap::-webkit-scrollbar-track{background:#ffffff05}.amort-table-wrap::-webkit-scrollbar-thumb{background:#ffffff1a;border-radius:3px}.scenario-grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.scenario-card{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:20px}.scenario-header{text-transform:uppercase;letter-spacing:1.5px;color:var(--cyan);border-bottom:1px solid var(--border);margin-bottom:16px;padding-bottom:10px;font-size:.85rem;font-weight:700}.scenario-results{border-top:1px solid var(--border);margin-top:14px;padding-top:12px}.sc-row{justify-content:space-between;align-items:center;padding:6px 0;font-size:.82rem;display:flex}.sc-row span:first-child{color:var(--text-dim)}.sc-row span:last-child{color:var(--text-main);font-weight:700;font-family:var(--font-mono)}.scenario-summary{color:var(--text-dim);background:#00f3ff0d;border:1px solid #00f3ff26;border-radius:12px;margin-top:20px;padding:16px 20px;font-size:.85rem;line-height:1.7}.scenario-summary strong{color:var(--cyan)}.payoff-note{color:var(--text-muted);border-left:3px solid var(--text-muted);background:#ffffff05;border-radius:8px;margin-bottom:14px;padding:10px 14px;font-size:.8rem}.payoff-compare{grid-template-columns:1fr auto 1fr;align-items:center;gap:16px;margin-bottom:16px;display:grid}.payoff-col{border:1px solid var(--border);background:#ffffff08;border-radius:12px;padding:16px}.payoff-col-highlight{background:#00f3ff0a;border-color:#00f3ff33}.payoff-col-header{text-transform:uppercase;letter-spacing:1.5px;color:var(--text-muted);text-align:center;margin-bottom:12px;font-size:.75rem;font-weight:700}.payoff-stat{text-align:center;margin-bottom:10px}.payoff-stat:last-child{margin-bottom:0}.payoff-stat-label{color:var(--text-muted);text-transform:uppercase;letter-spacing:.5px;font-size:.7rem}.payoff-stat-value{color:var(--text-main);font-size:1.05rem;font-weight:700;font-family:var(--font-mono)}.payoff-stat-value.accent{color:var(--cyan)}.payoff-vs{color:var(--text-muted);text-align:center;font-size:.75rem;font-weight:800}.savings-banner{background:#00f3ff0f;border:1px solid #00f3ff33;border-radius:12px;align-items:center;gap:12px;margin-bottom:16px;padding:14px 18px;display:flex}.savings-icon{font-size:1.5rem}.savings-text{color:var(--text-dim);font-size:.88rem;line-height:1.5}.savings-text strong{color:var(--cyan)}.toast{border:1px solid var(--cyan);color:var(--text-main);z-index:9999;background:#0c0c1ef2;border-radius:10px;padding:12px 20px;font-size:.85rem;animation:.3s toastIn;position:fixed;bottom:24px;right:24px;box-shadow:0 8px 32px #00000080}.toast-success{border-color:var(--cyan)}.toast-warn{border-color:#f59e0b}.toast-error{border-color:#ef4444}@keyframes toastIn{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.page-sections-outer{max-width:1600px;margin:0 auto;padding:0 1.5rem 3rem}.section-title{color:var(--text-main);text-align:center;margin-bottom:20px;font-size:1.5rem;font-weight:800}.how-section{margin-top:48px}.how-steps{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;display:grid}.how-step{background:var(--card);border:1px solid var(--border);border-radius:12px;gap:14px;padding:18px;display:flex}.step-num{width:36px;height:36px;color:var(--cyan);background:#00f3ff1f;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:.9rem;font-weight:800;display:flex}.step-content h3{color:var(--text-main);margin-bottom:4px;font-size:.9rem;font-weight:700}.step-content p{color:var(--text-dim);font-size:.82rem;line-height:1.6}.formula-pills2{margin-top:40px}.pills-grid{grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:14px;display:grid}.formula-pill{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:16px}.pill-name{text-transform:uppercase;color:var(--cyan);letter-spacing:1px;margin-bottom:6px;font-size:.75rem;font-weight:700}.pill-formula{font-family:var(--font-mono);color:var(--text-main);margin-bottom:4px;font-size:.88rem}.pill-desc{color:var(--text-muted);font-size:.78rem}.gloss-section2{margin-top:40px}.gloss-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;display:grid}.gloss-item{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:16px}.gloss-term{color:var(--cyan);margin-bottom:4px;font-size:.85rem;font-weight:700}.gloss-def{color:var(--text-dim);font-size:.82rem;line-height:1.6}.ex-section2{margin-top:40px}.ex-grid{grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:14px;display:grid}.ex-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:18px}.ex-title{color:var(--cyan);margin-bottom:10px;font-size:.9rem;font-weight:700}.ex-body p{color:var(--text-dim);margin-bottom:4px;font-size:.82rem;line-height:1.7}.ex-body strong{color:var(--text-main)}.faq-section{margin-top:40px}.faq-list{flex-direction:column;display:flex}.faq-item{border-bottom:1px solid #ffffff0f}.faq-item__question{cursor:pointer;color:var(--text-main);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:"+";font-family:var(--font-mono);color:var(--text-dim);flex-shrink:0;margin-left:16px;font-size:1.1rem;transition:color .2s}.faq-item[open] .faq-item__question:after{content:"−";color:var(--accent)}.faq-item__question:hover{color:var(--cyan)}.faq-item__answer{color:var(--text-dim);padding:0 4px 14px;font-size:.85rem;line-height:1.75}.calc-related{margin-top:40px}.related-grid{grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;display:grid}.related-card{background:var(--card);border:1px solid var(--border);border-radius:12px;flex-direction:column;align-items:center;gap:8px;padding:18px 14px;text-decoration:none;transition:all .2s;display:flex}.related-card:hover{border-color:var(--cyan);transform:translateY(-2px)}.related-icon{font-size:1.8rem}.related-name{color:var(--text-dim);text-align:center;font-size:.78rem;font-weight:600}.related-card:hover .related-name{color:var(--cyan)}[data-theme=light]{--bg-dark:#e8edf5;--card:#fffffff2;--input-bg:#edf2f9;--text-main:#0f172a;--text-dim:#475569;--text-muted:#64748b;--border:#0000001a;--cyan:#0e7490;--purple:#7c3aed;--accent:#0e7490}[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:#0e7490!important}[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:#0e7490}[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:#0e7490}[data-theme=light] .glass-input{color:#0f172a}[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:#0e7490;box-shadow:0 4px 16px #0e749040}[data-theme=light] .term-toggle{border-color:#0000001f}[data-theme=light] .term-btn{color:#64748b}[data-theme=light] .term-btn.active{color:#fff;background:#0e7490}[data-theme=light] .preset-chip{color:#475569;background:#f0f4f9;border-color:#0000001f}[data-theme=light] .preset-chip:hover{color:#0e7490;border-color:#0e7490}[data-theme=light] .preset-chip.active{color:#0e7490;background:#0e74901a;border-color:#0e7490}[data-theme=light] .action-btn{color:#475569;background:#f0f4f9;border-color:#0000001a}[data-theme=light] .action-btn:hover{color:#0e7490;border-color:#0e7490}[data-theme=light] .hero-value{color:#0e7490}[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] .amort-toggle{color:#475569;background:#f0f4f9;border-color:#0000001a}[data-theme=light] .amort-toggle:hover{color:#0e7490;border-color:#0e7490}[data-theme=light] .amort-table th{color:#475569;background:#edf2f9}[data-theme=light] .amort-table td{color:#475569;border-bottom-color:#0000000d}[data-theme=light] .amort-table tr:hover td{background:#0e74900a}[data-theme=light] .amort-table-wrap{border-color:#0000001a}[data-theme=light] .amort-table-wrap::-webkit-scrollbar-track{background:#f0f4f9}[data-theme=light] .amort-table-wrap::-webkit-scrollbar-thumb{background:#00000026}[data-theme=light] .scenario-card{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .scenario-header{color:#0e7490;border-bottom-color:#0000000f}[data-theme=light] .scenario-results{border-top-color:#0000000f}[data-theme=light] .sc-row span:first-child{color:#64748b}[data-theme=light] .sc-row span:last-child{color:#0f172a}[data-theme=light] .scenario-summary{color:#475569;background:#0e74900f;border-color:#0e749033}[data-theme=light] .scenario-summary strong{color:#0e7490}[data-theme=light] .payoff-note{color:#64748b;background:#f0f4f9;border-left-color:#94a3b8}[data-theme=light] .payoff-col{background:#edf2f9;border-color:#00000014}[data-theme=light] .payoff-col-highlight{background:#0e74900f;border-color:#0e749033}[data-theme=light] .payoff-stat-value{color:#0f172a}[data-theme=light] .payoff-stat-value.accent{color:#0e7490}[data-theme=light] .savings-banner{background:#eff9fb;border-color:#0e749040}[data-theme=light] .savings-text{color:#475569}[data-theme=light] .savings-text strong{color:#0e7490}[data-theme=light] .toast{color:#0f172a;background:#fffffffa;border-color:#0e7490;box-shadow:0 8px 32px #0000001f}[data-theme=light] .section-title{color:#0f172a}[data-theme=light] .how-step{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .step-num{color:#0e7490;background:#0e74901a}[data-theme=light] .step-content h3{color:#0f172a}[data-theme=light] .step-content p{color:#475569}[data-theme=light] .formula-pill{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .pill-name{color:#0e7490}[data-theme=light] .pill-formula{color:#0f172a}[data-theme=light] .pill-desc{color:#64748b}[data-theme=light] .gloss-item{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .gloss-term{color:#0e7490}[data-theme=light] .gloss-def{color:#475569}[data-theme=light] .ex-card{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .ex-title{color:#0e7490}[data-theme=light] .ex-body p{color:#475569}[data-theme=light] .ex-body strong{color:#0f172a}[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:#0e749059;box-shadow:0 2px 10px #0e749014}[data-theme=light] .faq-item[open]{border-color:#0e749066 #0e749066 #0e749066 #0e7490;border-left-style:solid;border-left-width:3px;box-shadow:0 2px 12px #0e74901a}[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:#0e7490}[data-theme=light] .faq-item__answer{color:#475569;border-top:1px solid #0000000f;padding:12px 16px 16px}[data-theme=light] .related-card{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .related-card:hover{border-color:#0e7490}[data-theme=light] .related-name{color:#475569}[data-theme=light] .related-card:hover .related-name{color:#0e7490}@media (width<=900px){.calc-wrapper,.scenario-grid,.payoff-compare{grid-template-columns:1fr}.payoff-vs{padding:8px 0}.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}.input-row{flex-direction:column}.term-toggle{width:100%}.term-btn{text-align:center;flex:1}}