:root{--bg-page:#07101f;--bg-page-alt:#0c1825;--bg-card:#111d2ee6;--bg-card-solid:#162336;--bg-input:#0f1e30;--text-primary:#e8edf5;--text-secondary:#8fa5c8;--text-tertiary:#4d6485;--text-main:#e8edf5;--text-dim:#8fa5c8;--cyan:#00d4f5;--gold:#f5a623;--gold-glow:#f5a62347;--emerald:#00c9a7;--emerald-glow:#00c9a733;--indigo:#7875f0;--indigo-glow:#7875f040;--border-card:#ffffff12;--border-subtle:#ffffff0d;--shadow-card:0 4px 24px #00000073;--shadow-soft:0 8px 40px #0000008c}@keyframes re-fade-up{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}.pmi-auto-badge{color:#07101f;text-transform:uppercase;letter-spacing:.5px;background:linear-gradient(135deg,#f5a623,#e8940f);border-radius:6px;padding:2px 8px;font-size:.65rem;font-weight:700}.pmi-auto-badge.hidden{display:none}body{background:var(--bg-page);color:var(--text-primary);background-attachment:fixed;margin:0;padding:0;font-family:Inter,sans-serif}.main-container{max-width:1400px;margin:0 auto;padding:40px 20px}.page-title{text-align:center;color:var(--text-primary);letter-spacing:-.5px;margin-top:15px;margin-bottom:10px;font-size:2.2rem;font-weight:800}.section-desc{color:var(--text-secondary);text-align:center;max-width:600px;margin-bottom:40px;margin-left:auto;margin-right:auto;font-size:1.1rem}.calculator-wrapper{grid-template-columns:360px 1fr;align-items:start;gap:40px;display:grid}@media (width<=1024px){.calculator-wrapper{grid-template-columns:minmax(0,1fr);overflow:hidden}.input-card{max-height:none;position:static}}@media (width<=768px){.escrow-grid,.payoff-inputs-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}.payoff-inputs-grid .input-group[style*="grid-column: span 2"]{grid-column:span 1}}.card{background:var(--bg-card);backdrop-filter:blur(12px);border:1px solid var(--border-card);box-shadow:var(--shadow-card);border-radius:14px;padding:28px;animation:.3s both re-fade-up}.input-card{scrollbar-width:thin;scrollbar-color:#f5a6234d transparent;border-top:3px solid var(--gold);border-left:none;flex-direction:column;gap:1.5rem;max-height:calc(100vh - 130px);display:flex;position:sticky;top:110px;overflow-y:auto}.input-card::-webkit-scrollbar{opacity:0;width:6px;transition:opacity .3s}.input-card:hover::-webkit-scrollbar{opacity:1}.input-card::-webkit-scrollbar-track{background:0 0;border-radius:4px}.input-card::-webkit-scrollbar-thumb{background:#f5a6234d;border-radius:4px}.input-card::-webkit-scrollbar-thumb:hover{background:#f5a62380}.result-card{border-top:3px solid var(--emerald);border-left:none}.card-header-cyan,.card-header-purple,.card-header-gold{color:var(--gold);text-transform:uppercase;letter-spacing:1.5px;border-bottom:1px solid var(--border-subtle);align-items:center;gap:8px;margin-bottom:18px;padding-bottom:10px;font-size:.65rem;font-weight:700;display:flex}.input-group{margin-bottom:14px}.input-row{align-items:flex-start;gap:15px;display:flex}.input-row-tight{gap:10px;display:flex}label{color:var(--text-secondary);letter-spacing:.08em;text-transform:uppercase;align-items:baseline;margin-bottom:6px;font-size:.68rem;font-weight:600;display:flex}.input-wrapper{align-items:center;display:flex;position:relative}.input-symbol{color:var(--text-tertiary);pointer-events:none;z-index:1;font-family:JetBrains Mono,monospace;font-size:.9rem;font-weight:500;position:absolute;left:12px}.input-wrapper input{padding-left:28px}.input-wrapper.symbol-right .input-symbol{left:auto;right:12px}.input-wrapper.symbol-right input{padding-left:12px;padding-right:28px}.input-group small{color:#f87171;visibility:hidden;min-height:16px;margin-top:4px;font-size:.72em;line-height:1.2;display:block}.input-group small.visible{visibility:visible}.input-group small.hint{color:var(--text-secondary);visibility:visible}.escrow-grid{grid-template-columns:1fr 1fr;gap:12px;display:grid}.escrow-grid .input-group{margin-bottom:0}.payoff-strategy-section{border-top:1px solid var(--border-subtle);margin-top:14px;padding-top:14px}.payoff-inputs-grid{grid-template-columns:1fr 1fr;gap:12px;display:grid}.payoff-inputs-grid .input-group{margin-bottom:0}.input-tabs{border:1px solid var(--border-subtle);background:#ffffff08;border-radius:999px;gap:4px;margin-bottom:18px;padding:4px;display:flex}.input-tab{color:var(--text-secondary);cursor:pointer;text-align:center;white-space:nowrap;background:0 0;border:none;border-radius:999px;flex:1;padding:7px 8px;font-size:.72rem;font-weight:500;transition:all .25s}.input-tab:hover{color:var(--text-primary);background:#ffffff0d}.input-tab.active{color:#07101f;background:linear-gradient(135deg,#f5a623,#e8940f);font-weight:700;box-shadow:0 2px 10px #f5a62359}.seg-control-wrap{background:var(--bg-input);border:1px solid var(--border-card);border-radius:6px;padding:2px;display:flex}.seg-control-wrap--sm{border-radius:4px;padding:1px}.seg-control-wrap .seg-btn{cursor:pointer;color:var(--text-secondary);background:0 0;border:none;border-radius:4px;padding:2px 8px;font-size:.8rem;font-weight:700}.seg-control-wrap--sm .seg-btn{border-radius:3px;padding:1px 6px;font-size:.7rem}.cash-close-card{box-sizing:border-box;background:#f5a6230f;border:1px solid #f5a6234d;border-radius:10px;width:220px;margin-left:auto;padding:16px;font-size:.875rem}.cash-close-divider{border-bottom:1px solid #f5a62333;margin-bottom:12px}.cash-close-row{justify-content:space-between;align-items:center;gap:10px;margin-bottom:4px;display:flex}.cash-close-row:last-child{margin-bottom:0}.cash-close-label{color:var(--text-secondary);text-align:left;flex:1;font-weight:400}.cash-close-value{text-align:right;white-space:nowrap;flex-shrink:0;font-family:JetBrains Mono,monospace}.seg-btn.active,.seg-btn-full.active{color:var(--gold)!important;background:#f5a62326!important;border-color:#0000!important;box-shadow:0 0 0 1px #f5a6234d!important}.seg-btn,.seg-btn-full{transition:all .25s}.input-tab-content{min-height:260px;padding-bottom:20px;display:none}.input-tab-content.active{animation:.3s both re-fade-up;display:block}@media (width<=350px){.input-tab{padding:6px 4px;font-size:.62rem}}input,select{background:var(--bg-input);width:100%;color:var(--text-primary);box-sizing:border-box;font-variant-numeric:tabular-nums;border:1px solid #ffffff17;border-radius:10px;padding:10px 13px;font-family:JetBrains Mono,monospace;font-size:.95rem;transition:all .25s}input:focus,select:focus{background:#0f1e30;border-color:#f5a6238c;outline:none;box-shadow:0 0 0 3px #f5a6232e,0 0 0 1px #f5a62380}#extra-annual,#extra-month{max-width:150px}.pill-toggle{background:var(--bg-input);border:1px solid var(--border-subtle);border-radius:8px;gap:2px;padding:3px;display:flex}.pill-btn{color:var(--text-secondary);cursor:pointer;white-space:nowrap;background:0 0;border:none;border-radius:6px;flex:1;padding:5px 10px;font-size:.72rem;font-weight:600;transition:all .25s}.pill-btn:hover{color:var(--text-primary);background:#ffffff0d}.pill-btn.active{color:var(--gold);background:#f5a62326;box-shadow:0 0 0 1px #f5a6234d}.toggle-container{align-items:center;gap:8px;display:flex}.switch{width:36px;height:20px;display:inline-block;position:relative}.switch input{opacity:0;width:0;height:0}.slider{cursor:pointer;background-color:#162336;border-radius:34px;transition:all .4s;position:absolute;inset:0}.slider:before{content:"";background-color:#8fa5c8;border-radius:50%;width:14px;height:14px;transition:all .4s;position:absolute;bottom:3px;left:3px}input:checked+.slider{background-color:var(--gold)}input:checked+.slider:before{background-color:#07101f;transform:translate(16px)}.rate-chips{flex-wrap:wrap;gap:5px;margin-top:6px;display:flex}.rate-chip{border:1px solid var(--border-subtle);color:var(--text-secondary);cursor:pointer;background:#ffffff0a;border-radius:999px;padding:3px 10px;font-family:JetBrains Mono,monospace;font-size:.7rem;font-weight:600;transition:all .25s}.rate-chip:hover,.rate-chip.active{color:var(--gold);background:#f5a6231f;border-color:#f5a62366}.autosave-badge{color:var(--emerald);letter-spacing:.3px;opacity:.8;font-size:.65rem;font-weight:600}.hero-section{border-bottom:1px solid var(--border-subtle);grid-template-columns:repeat(auto-fit,minmax(180px,1fr));align-items:center;gap:16px;margin-bottom:24px;padding-bottom:20px;display:grid}.hero-metric{flex-direction:column;justify-content:center;display:flex}#pmi-manual::placeholder{font-size:.8rem}#pmi-input-group .input-wrapper{scrollbar-width:none;overflow-x:auto}#pmi-input-group .input-wrapper::-webkit-scrollbar{display:none}.hero-value{color:var(--gold);letter-spacing:-.03em;font-variant-numeric:tabular-nums;text-shadow:0 0 24px #f5a62347;font-family:JetBrains Mono,monospace;font-size:clamp(2.4rem,5vw,3.4rem);font-weight:700}.label-sm{letter-spacing:.08em;text-transform:uppercase;color:var(--text-tertiary);margin-bottom:4px;font-size:.68rem;font-weight:600}.sub-hero-value{color:var(--text-primary);letter-spacing:-.5px;font-variant-numeric:tabular-nums;font-family:JetBrains Mono,monospace;font-size:1.15rem;font-weight:600}.tab-nav{background:#111d2ee6;border:1px solid #ffffff12;border-radius:999px;gap:4px;width:fit-content;max-width:100%;margin-bottom:20px;padding:4px;display:flex}.tab-btn{color:var(--text-secondary);cursor:pointer;white-space:nowrap;background:0 0;border:none;border-radius:999px;padding:7px 18px;font-size:.82rem;font-weight:500;transition:all 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Mono,monospace;font-weight:700}.chart-container-large{width:100%;height:380px;position:relative}.chart-wrapper-donut{justify-content:center;align-items:center;height:240px;display:flex;position:relative}.donut-center-label{text-align:center;pointer-events:none;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%)}.schedule-container{border:1px solid var(--border-card);border-radius:10px;max-height:480px;overflow-y:auto}.schedule-container::-webkit-scrollbar{width:8px}.schedule-container::-webkit-scrollbar-track{background:0 0}.schedule-container::-webkit-scrollbar-thumb{background:#f5a62333;border-radius:4px}.schedule-container::-webkit-scrollbar-thumb:hover{background:#f5a62366}.amortization-table{border-collapse:collapse;width:100%;color:var(--text-secondary);font-size:.82rem}.amortization-table th{z-index:10;text-align:right;color:var(--gold);border-bottom:1px solid var(--border-card);text-transform:uppercase;letter-spacing:.08em;background:#162336;padding:11px 12px;font-size:.68rem;font-weight:600;position:sticky;top:0;box-shadow:0 2px 4px #0003}.amortization-table td{text-align:right;border-bottom:1px solid #ffffff0a;padding:9px 12px;font-family:JetBrains Mono,monospace}.amortization-table th:first-child,.amortization-table td:first-child{text-align:left}.amortization-table tbody tr:nth-child(2n){background:#ffffff05}.amortization-table tbody tr:hover{background:#f5a6230a}.amortization-table tr.year-end td{border-bottom:1px solid #f5a62340}.faq-section{border-top:1px solid var(--border-card);max-width:800px;margin:80px auto 2rem;padding-top:60px}.faq-header{text-align:center;letter-spacing:5px;text-transform:uppercase;color:var(--text-primary);margin-bottom:30px;font-size:1rem;font-weight:900}details{border:1px solid var(--border-card);background:#16233699;border-radius:10px;margin-bottom:10px;transition:border-color .25s;overflow:hidden}details[open]{border-color:var(--indigo)!important}summary{cursor:pointer;color:var(--text-primary);justify-content:space-between;align-items:center;padding:16px 22px;font-size:.95rem;font-weight:600;list-style:none;transition:background .25s,color .25s;display:flex}summary::-webkit-details-marker{display:none}summary:hover{color:var(--gold);background:#ffffff0a}summary:after{content:"+";color:var(--gold);flex-shrink:0;font-size:1.2rem}details[open] summary:after{content:"−"}details p{color:var(--text-secondary);margin:0;padding:0 22px 18px;font-size:.9rem;line-height:1.7}.text-center{text-align:center}.text-muted{color:var(--text-secondary)}@media print{body{color:#000;background:#fff}.glass-navbar,.calculator-wrapper .input-card,.tab-nav,.faq-section,.how-it-works-mortgage{display:none}.calculator-wrapper{display:block}.result-card{box-shadow:none;background:#fff;border:none;padding:0}.tab-content{display:block!important}.amortization-table th,.amortization-table{color:#000}}.toast-container{z-index:2000;flex-direction:column;gap:8px;display:flex;position:fixed;bottom:20px;right:20px}.toast{color:var(--text-primary);border:1px solid var(--border-card);border-left:4px solid var(--gold);background:#162336;border-radius:10px;align-items:center;gap:8px;max-width:280px;padding:10px 18px;font-size:.85rem;font-weight:600;animation:.3s ease-out slideInRight;display:flex;box-shadow:0 8px 24px #00000080}@keyframes slideInRight{0%{opacity:0;transform:translate(100%)}to{opacity:1;transform:translate(0)}}.amortization-table tr.past{opacity:.35}.amortization-table tr.past td{text-decoration:line-through}.chart-tooltip-base{padding:10px!important;font-size:13px!important}.donut-summary-card{border:1px solid var(--border-card);background:#162336b3;border-radius:12px;padding:18px;animation:.3s both 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20px}.professional-header{text-align:center;letter-spacing:5px;color:var(--indigo);text-transform:uppercase;margin-bottom:12px;font-size:.9rem;font-weight:900}.header-divider{background:var(--gold);opacity:.5;width:60px;height:1px;margin:0 auto 44px}.onboarding-grid{grid-template-columns:repeat(3,1fr);gap:24px;display:grid}.onboarding-card{backdrop-filter:blur(12px);border:1px solid var(--border-card);background:#16233699;border-radius:14px;padding:36px 28px;transition:all .4s cubic-bezier(.16,1,.3,1);animation:.3s both re-fade-up;position:relative;overflow:hidden}.onboarding-card:hover{border-color:var(--indigo);background:#162336cc;transform:translateY(-4px);box-shadow:0 20px 40px #0006}.step-indicator{color:var(--gold);align-items:center;gap:10px;margin-bottom:22px;font-family:JetBrains 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.25s}.refi-card.winner{background:#00c9a70f;border-color:#00c9a773}.refi-card.loser{opacity:.65}.refi-card-label{text-transform:uppercase;letter-spacing:.08em;color:var(--text-secondary);margin-bottom:8px;font-size:.62rem;font-weight:600}.refi-card-value{font-variant-numeric:tabular-nums;margin-bottom:4px;font-family:JetBrains Mono,monospace;font-size:1.3rem;font-weight:800}.refi-card-value.gold{color:var(--gold)}.refi-card-value.emerald{color:var(--emerald)}.refi-divider{color:var(--text-secondary);flex-direction:column;align-items:center;gap:4px;font-size:.78rem;font-weight:700;display:flex}.refi-divider span:first-child{opacity:.5;font-size:1.1rem}.winner-banner{color:var(--emerald);text-align:center;background:#00c9a714;border:1px solid #00c9a740;border-radius:8px;margin:10px 0;padding:10px 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#0006}.mobile-sticky-footer.visible{transform:translateY(0)}.footer-left{flex-direction:column;display:flex}.footer-label{color:var(--text-secondary);text-transform:uppercase;letter-spacing:1px;font-size:.6rem}.footer-val{color:var(--gold);font-family:JetBrains Mono,monospace;font-size:1.1rem;font-weight:800}.footer-btn{background:var(--gold);color:#07101f;cursor:pointer;border:none;border-radius:7px;padding:8px 16px;font-size:.82rem;font-weight:700}.chart-container-large{height:280px}.schedule-actions{flex-direction:column;align-items:flex-start;gap:12px}.data-grid{grid-template-columns:repeat(2,1fr)}.refi-compare-grid{grid-template-columns:minmax(0,1fr);gap:10px;overflow:hidden}.refi-divider{flex-direction:row;gap:8px}.refi-inputs-inline{grid-template-columns:minmax(0,1fr);overflow:hidden}.main-container{overflow-x:hidden}.schedule-container{-webkit-overflow-scrolling:touch;overflow-x:auto}.amortization-table th,.amortization-table td{padding:6px 8px;font-size:.72rem}.formula-strip{-webkit-overflow-scrolling:touch;scrollbar-width:none;flex-wrap:nowrap;overflow-x:auto}.formula-strip::-webkit-scrollbar{display:none}.cash-close-card{width:100%}.calc-comparison-table-wrapper{-webkit-overflow-scrolling:touch;overflow-x:auto}.data-grid .stat-value{word-break:break-word;font-size:1rem}}.accordion-icon{display:none}@media (width<=768px){.accordion-icon{display:block}}@media (width<=1024px){.onboarding-grid{grid-template-columns:minmax(0,1fr);overflow:hidden}}[data-theme=light]{--bg-page:#f0f4fb;--bg-page-alt:#e8eef7;--bg-card:#fff;--bg-card-solid:#fff;--bg-input:#e8eef7;--text-primary:#0f1e33;--text-secondary:#2d4a6b;--text-tertiary:#6b84a6;--text-main:#0f1e33;--text-dim:#2d4a6b;--cyan:#008eb0;--gold:#c47a0a;--gold-glow:#c47a0a33;--emerald:#008f76;--emerald-glow:#008f7633;--indigo:#4d49c8;--indigo-glow:#4d49c833;--border-card:#00000017;--border-subtle:#0000000f;--shadow-card:0 2px 8px #00000014;--shadow-soft:0 4px 16px 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