.skip-link{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden;z-index:9999;font-family:Inter,sans-serif;font-size:.875rem;font-weight:600;text-decoration:none}.skip-link:focus{position:fixed;top:0;left:0;width:auto;height:auto;padding:1rem 2rem;background:#b8801a;color:#fff;z-index:10000}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #E8A020;outline-offset:2px}.btn{display:inline-block;padding:.65rem 1.5rem;border-radius:var(--r-btn);font-size:.9rem;font-weight:600;border:2px solid transparent;cursor:pointer;transition:all .2s;font-family:Inter,sans-serif}.btn-primary{background:#b8801a;color:#fff;border-color:#b8801a;box-shadow:0 1px 3px #e8a0204d}.btn-primary:hover:not(:disabled){background:#9a6b15;border-color:#9a6b15;box-shadow:0 2px 8px #e8a02059;transform:translateY(-1px)}.btn-primary:active:not(:disabled){transform:translateY(0);box-shadow:0 1px 2px #e8a02033}.btn-primary:disabled{opacity:.6;cursor:not-allowed}.section-wrap{max-width:1160px;margin:0 auto;padding:0 1.5rem}.label{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--primary);margin-bottom:.6rem}@keyframes aurora{0%{background-position:50% 50%,50% 50%}to{background-position:350% 50%,350% 50%}}.aurora-hero{position:relative;overflow:hidden;background:#fff;color:var(--text-h)}.aurora-hero:before{content:"";position:absolute;inset:-10px;pointer-events:none;z-index:0;background-image:repeating-linear-gradient(100deg,var(--white) 0%,var(--white) 7%,var(--transparent) 10%,var(--transparent) 12%,var(--white) 16%),repeating-linear-gradient(100deg,#e8a020 10%,#f5c842,#fde68a,#fbbf24,#e8a020 30%);background-size:300%,200%;background-position:50% 50%,50% 50%;filter:blur(10px);opacity:.5;animation:aurora 60s linear infinite;mask-image:radial-gradient(ellipse at 100% 0%,black 10%,var(--transparent) 70%);-webkit-mask-image:radial-gradient(ellipse at 100% 0%,black 10%,var(--transparent) 70%)}.aurora-hero>*{position:relative;z-index:1}.page-hero{padding:4rem 1.5rem 3rem}.breadcrumb{font-size:.82rem;color:var(--text-b);margin-bottom:1rem}.breadcrumb a{color:var(--text-b);transition:color .2s}.breadcrumb a:hover{color:var(--primary)}.breadcrumb span{color:#ccc;margin:0 .4rem}.page-hero h1{font-size:clamp(1.8rem,4vw,2.8rem);font-weight:800;letter-spacing:-.02em;color:var(--text-h);margin-bottom:.85rem}.page-hero p{font-size:1rem;color:var(--text-b);max-width:640px;line-height:1.7}.tool-selector{padding:2rem 1.5rem 0}.tool-selector-inner{max-width:1160px;margin:0 auto}.tool-selector-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem}.selector-card{display:flex;align-items:center;gap:.75rem;padding:.85rem 1rem;background:var(--bg-white);border:2px solid var(--border);border-radius:var(--r-card);cursor:pointer;transition:all .2s ease}.selector-card:hover{border-color:#e8a02080;box-shadow:0 2px 8px #e8a0201a;transform:translateY(-1px)}.selector-card.active{border-color:var(--primary);background:var(--primary-lt);box-shadow:0 2px 12px #e8a02026}.selector-icon{flex-shrink:0;width:36px;height:36px;display:flex;align-items:center;justify-content:center;background:var(--bg-page);border-radius:8px}.selector-card.active .selector-icon{background:#e8a02026}.selector-info{min-width:0}.selector-name{font-size:.85rem;font-weight:700;color:var(--text-h);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.selector-desc{font-size:.72rem;color:var(--text-b);line-height:1.3;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.selector-card.active .selector-name{color:#b8801a}.back-to-tools{display:inline-flex;align-items:center;align-self:flex-start;gap:.5rem;font-size:.85rem;font-weight:600;color:var(--primary);cursor:pointer;background:var(--primary-lt);border:1.5px solid var(--primary);font-family:Inter,sans-serif;padding:.55rem 1.25rem;margin-bottom:-2rem;border-radius:var(--r-btn);transition:background .2s,color .2s,box-shadow .2s}.back-to-tools:hover{background:var(--primary);color:#fff;box-shadow:var(--shadow)}.back-to-tools svg{transition:transform .2s}.back-to-tools:hover svg{transform:translate(-3px);stroke:#fff}.tools-section{padding:2rem 1.5rem 5rem}.tools-grid{max-width:1160px;margin:0 auto;display:flex;flex-direction:column;gap:2rem}.tool-card{display:none}.tool-card.active-calc{display:block;animation:fadeInCalc .3s ease}@keyframes fadeInCalc{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}@media(max-width:1023px){.tool-selector-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:599px){.tool-selector-grid{grid-template-columns:1fr;gap:.5rem}.selector-card{padding:.6rem .75rem;gap:.6rem}.selector-icon{width:32px;height:32px}.selector-name{font-size:.8rem}.selector-desc{font-size:.68rem}}.tool-card{background:var(--bg-white);border:1px solid var(--border);border-radius:var(--r-card);overflow:hidden;scroll-margin-top:140px;box-shadow:0 1px 3px #0000000a,0 4px 12px #00000008;transition:box-shadow .3s,border-color .3s,transform .3s}.tool-card:hover{box-shadow:0 4px 16px #00000014,0 1px 4px #0000000a;border-color:#d0d7e1;transform:translateY(-2px)}.tool-header{display:flex;align-items:flex-start;gap:1rem;padding:1.5rem 1.75rem;border-bottom:1px solid var(--border);background:linear-gradient(135deg,#fafbfc,#f5f6f8)}.tool-icon{font-size:2rem;flex-shrink:0;margin-top:.1rem;width:48px;height:48px;display:flex;align-items:center;justify-content:center;background:var(--bg-white);border-radius:10px;box-shadow:0 1px 4px #0000000f}.tool-meta h2{font-size:1.15rem;font-weight:800;letter-spacing:-.01em;margin-bottom:.25rem}.tool-meta p{font-size:.85rem;color:var(--text-b);line-height:1.55}.tool-body{padding:1.75rem}.inputs-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:1rem 1.5rem;margin-bottom:1.5rem}.input-group{display:flex;flex-direction:column;gap:.3rem}.input-group label{font-size:.8rem;font-weight:600;color:var(--text-h)}.input-wrap{position:relative}.input-wrap input,.input-wrap select{width:100%;padding:.6rem .75rem;border:1.5px solid var(--border);border-radius:var(--r-sm);font-size:.9rem;font-family:Inter,sans-serif;background:var(--bg-white);color:var(--text-h);transition:border-color .2s,box-shadow .2s}.input-wrap input:focus,.input-wrap select:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px #e8a0201f}.input-wrap input:hover:not(:focus),.input-wrap select:hover:not(:focus){border-color:#c7cfdb}.input-wrap input.input-error{border-color:var(--red);box-shadow:0 0 0 3px #dc262614}.input-wrap.has-prefix input{padding-left:1.75rem}.input-prefix{position:absolute;left:.6rem;top:50%;transform:translateY(-50%);font-size:.85rem;color:var(--text-b);pointer-events:none}.input-hint{font-size:.74rem;color:var(--text-b)}.tool-results{margin-top:1.5rem}.results-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:.85rem;margin-bottom:1rem}.result-stat{background:var(--bg-page);border:1px solid var(--border);border-radius:8px;padding:1rem 1.1rem;transition:transform .15s,box-shadow .15s}.result-stat:hover{transform:translateY(-1px);box-shadow:0 2px 8px #0000000f}.result-stat.highlight{background:linear-gradient(135deg,#FFF8EB 0%,var(--primary-lt) 100%);border-color:#e8a02059}.result-stat.good{background:linear-gradient(135deg,#f0fdf4,#dcfce7);border-color:#86efac}.result-stat.bad{background:linear-gradient(135deg,#fef2f2,#fee2e2);border-color:#fca5a5}.rs-label{display:block;font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--text-b);margin-bottom:.35rem;line-height:1.4}.rs-value{display:block;font-size:1.25rem;font-weight:800;color:var(--text-h);letter-spacing:-.01em}.rs-value.good{color:var(--green)}.rs-value.bad{color:var(--red)}.results-note{font-size:.82rem;color:var(--text-b);background:var(--primary-lt);border-left:3px solid var(--primary);padding:.65rem .9rem;border-radius:0 var(--r-sm) var(--r-sm) 0;margin-top:.75rem;line-height:1.55}.results-note.info{background:#eff6ff;border-color:#3b82f6}.results-note.warning{background:#fffbeb;border-color:#f59e0b}.results-note.success{background:#f0fdf4;border-color:#16a34a}.results-error{font-size:.85rem;color:var(--red);background:#fef2f2;border:1px solid #fca5a5;border-radius:var(--r-sm);padding:.65rem .9rem;margin-top:.75rem}.results-table-wrap{overflow-x:auto;margin-top:1rem}.results-table{width:100%;border-collapse:collapse;font-size:.82rem}.results-table th{background:var(--bg-page);padding:.5rem .75rem;text-align:right;font-weight:700;font-size:.74rem;text-transform:uppercase;letter-spacing:.06em;color:var(--text-b);border-bottom:2px solid var(--border)}.results-table th:first-child{text-align:left}.results-table td{padding:.45rem .75rem;text-align:right;border-bottom:1px solid var(--border);color:var(--text-h)}.results-table td:first-child{text-align:left;font-weight:600}.results-table tr:last-child td{border-bottom:none}.results-table tr:nth-child(2n) td{background:var(--bg-page)}.table-toggle{display:flex;align-items:center;gap:.4rem;font-size:.8rem;font-weight:600;color:var(--primary);cursor:pointer;background:none;border:none;font-family:Inter,sans-serif;padding:.25rem 0;margin-top:.75rem}.table-toggle:hover{color:var(--primary-h)}.tool-learn{margin-top:1.5rem;border-top:1px solid var(--border);padding-top:1rem}.tool-learn details summary{font-size:.84rem;font-weight:600;color:var(--text-b);cursor:pointer;list-style:none;display:flex;align-items:center;gap:.4rem}.tool-learn details summary:before{content:"▶";font-size:.65rem;transition:transform .2s}.tool-learn details[open] summary:before{transform:rotate(90deg)}.tool-learn details p{font-size:.85rem;color:var(--text-b);line-height:1.65;margin-top:.75rem}.tool-tips{margin-top:1rem;background:linear-gradient(135deg,#fff8e7,#fff3e0);border:1px solid #E8A020;border-radius:var(--r-card);padding:1.25rem}.tool-tips .tips-header{display:flex;align-items:center;gap:.5rem;margin-bottom:.75rem}.tool-tips .tips-header h4{font-size:.9rem;font-weight:700;color:var(--text-h);margin:0}.tool-tips ul{margin:0;padding:0 0 0 1.2rem}.tool-tips li{font-size:.84rem;color:var(--text-b);line-height:1.6;margin-bottom:.5rem}.tool-tips li:last-child{margin-bottom:0}.tool-tips li strong{color:var(--text-h)}.tool-tips .tip-example{background:#fff;border-radius:var(--r-sm);padding:.75rem 1rem;margin-top:.75rem;font-size:.82rem;color:var(--text-b);line-height:1.6;border-left:3px solid #E8A020}.tool-tips .tip-example strong{color:var(--text-h)}.input-full{grid-column:1 / -1}#calc-mortgage .tool-body{background:#f0ece8}#calc-mortgage .tool-body .input-wrap input,#calc-mortgage .tool-body .input-wrap select{background:#fff}.slider-wrap{display:flex;align-items:center;gap:.5rem;margin-top:.35rem}.slider-wrap input[type=range]{flex:1;-webkit-appearance:none;appearance:none;height:8px;background:#d1cbc4;border-radius:4px;outline:none;cursor:pointer}.slider-wrap input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--primary);border:3px solid #fff;box-shadow:0 2px 6px #00000040;cursor:grab;transition:transform .15s}.slider-wrap input[type=range]::-webkit-slider-thumb:active{cursor:grabbing;transform:scale(1.15)}.slider-wrap input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--primary);border:3px solid #fff;box-shadow:0 2px 6px #00000040;cursor:grab}.slider-min-label{font-size:.72rem;font-weight:600;color:var(--primary);white-space:nowrap}.toggle-row{display:flex;align-items:center;gap:.6rem;padding:.35rem 0}.toggle-switch{position:relative;width:38px;height:22px;flex-shrink:0}.toggle-switch input{opacity:0;width:0;height:0}.toggle-switch .slider{position:absolute;inset:0;background:#d1cbc4;border:2px solid #b0a89e;border-radius:11px;cursor:pointer;transition:background .2s,border-color .2s}.toggle-switch .slider:before{content:"";position:absolute;width:16px;height:16px;left:1px;top:1px;background:#fff;border-radius:50%;box-shadow:0 1px 3px #0003;transition:transform .2s}.toggle-switch input:checked+.slider{background:var(--primary);border-color:var(--primary-h)}.toggle-switch input:checked+.slider:before{transform:translate(16px)}.toggle-label{font-size:.82rem;font-weight:500;color:var(--text-h);cursor:pointer}.expenses-section{margin-top:.5rem;border-top:1px solid var(--border);padding-top:1rem}.expenses-toggle{display:flex;align-items:center;gap:.5rem;font-size:.84rem;font-weight:600;color:var(--text-b);cursor:pointer;background:none;border:none;padding:.25rem 0;font-family:Inter,sans-serif}.expenses-toggle:before{content:"▶";font-size:.6rem;transition:transform .2s}.expenses-toggle.open:before{transform:rotate(90deg)}.expenses-fields{display:none;margin-top:.75rem}.expenses-fields.open{display:block}.total-cost-hero{background:linear-gradient(135deg,#0f0f0f,#1c1c1c);border-radius:10px;padding:1.25rem 1.5rem;margin-bottom:1rem;color:#fff;text-align:center}.total-cost-hero .tch-label{font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:#fff9;margin-bottom:.25rem}.total-cost-hero .tch-value{font-size:2rem;font-weight:800;letter-spacing:-.02em;color:#fff}.total-cost-hero .tch-sub{font-size:.75rem;color:#ffffff80;margin-top:.2rem}.cost-bar{display:flex;height:8px;border-radius:4px;overflow:hidden;margin-bottom:.75rem}.cost-bar-seg{transition:width .3s ease}.cost-breakdown{display:flex;flex-wrap:wrap;gap:.5rem .75rem;margin-bottom:1rem}.cost-item{display:flex;align-items:center;gap:.35rem;font-size:.78rem;color:var(--text-b)}.cost-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}.donut-wrap{display:flex;align-items:center;gap:1.5rem;margin:1rem 0;padding:1.25rem;background:var(--bg-page);border:1px solid var(--border);border-radius:var(--r-card)}.donut-chart{position:relative;width:120px;height:120px;flex-shrink:0}.donut-chart svg{width:100%;height:100%;transform:rotate(-90deg)}.donut-chart circle{fill:none;stroke-width:12}.donut-center{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);text-align:center}.donut-center .dc-pct{font-size:1.25rem;font-weight:800;color:var(--text-h);line-height:1}.donut-center .dc-label{font-size:.6rem;color:var(--text-b);text-transform:uppercase;letter-spacing:.05em;margin-top:2px}.donut-legend{display:flex;flex-direction:column;gap:.6rem}.donut-legend-item{display:flex;align-items:center;gap:.5rem}.donut-legend-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0}.donut-legend-label{font-size:.78rem;color:var(--text-b)}.donut-legend-value{font-size:.85rem;font-weight:700;color:var(--text-h)}@media(max-width:480px){.donut-wrap{flex-direction:column;text-align:center}.donut-legend{flex-direction:row;flex-wrap:wrap;justify-content:center;gap:.5rem 1rem}}.closing-summary{background:#f8fafc;border:1px solid var(--border);border-radius:8px;padding:1rem 1.1rem;margin-top:.75rem}.closing-summary h4{font-size:.82rem;font-weight:700;margin-bottom:.5rem}.closing-row{display:flex;justify-content:space-between;padding:.25rem 0;font-size:.8rem;color:var(--text-b)}.closing-row.total{border-top:1px solid var(--border);margin-top:.35rem;padding-top:.5rem;font-weight:700;color:var(--text-h)}.closing-row .rebate{color:var(--green)}.compare-scenario{background:#f8fafc;border:1px solid var(--border);border-radius:var(--r-sm);padding:.75rem 1rem;margin-bottom:.75rem}.compare-scenario-header{display:flex;align-items:center;gap:.5rem}.compare-label{display:inline-block;font-size:.72rem;font-weight:700;padding:.15rem .55rem;border-radius:20px;letter-spacing:.04em}.compare-remove{background:none;border:none;color:var(--text-b);cursor:pointer;font-size:.82rem;margin-left:auto}.compare-remove:hover{color:var(--red)}.compare-table{width:100%;border-collapse:collapse;font-size:.8rem;margin-top:.75rem}.compare-table th,.compare-table td{padding:.4rem .5rem;text-align:right;border-bottom:1px solid var(--border)}.compare-table th:first-child,.compare-table td:first-child{text-align:left;font-weight:500}.compare-table th{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--text-b)}.compare-table .best{color:var(--green);font-weight:700}.compare-table .worst{color:var(--red);font-weight:600}@media(max-width:600px){.compare-table{font-size:.72rem}.compare-table th,.compare-table td{padding:.3rem .25rem}}.badge{display:inline-block;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:.2rem .6rem;border-radius:20px}.badge-green{background:#dcfce7;color:var(--green)}.badge-red{background:#fee2e2;color:var(--red)}.badge-orange{background:var(--primary-lt);color:var(--primary)}.section-particles~*{position:relative;z-index:1}@media(max-width:960px){.inputs-grid{grid-template-columns:1fr 1fr}.results-grid{grid-template-columns:repeat(3,1fr)}}@media(max-width:640px){.inputs-grid{grid-template-columns:1fr}.results-grid{grid-template-columns:1fr 1fr}.tool-header{flex-direction:column;gap:.5rem}.jump-nav{display:none}}.tip{position:relative;cursor:help;border-bottom:1px dashed var(--primary);color:var(--text-h);font-weight:600}.tip:after{content:attr(data-tip);position:absolute;bottom:calc(100% + 6px);left:50%;transform:translate(-50%);background:var(--dark);color:#fff;font-size:.75rem;font-weight:400;line-height:1.5;padding:.5rem .75rem;border-radius:6px;white-space:normal;width:max-content;max-width:260px;pointer-events:none;opacity:0;transition:opacity .2s;z-index:50;box-shadow:0 4px 12px #00000040}.tip:before{content:"";position:absolute;bottom:calc(100% + 2px);left:50%;transform:translate(-50%);border:5px solid transparent;border-top-color:var(--dark);opacity:0;transition:opacity .2s;z-index:50;pointer-events:none}.tip:hover:after,.tip:hover:before{opacity:1}@media(max-width:640px){.tip:after{left:0;transform:none;max-width:200px}.tip:before{left:12px;transform:none}}.calc-loading{padding:1rem 0}.skel-row{display:flex;gap:.85rem;margin-bottom:.85rem}.skel-block{height:56px;border-radius:8px;flex:1;background:linear-gradient(90deg,#f0f0f0 25%,#e0e0e0,#f0f0f0 75%);background-size:200% 100%;animation:shimmer 1.5s infinite}.skel-block.wide{flex:2}.skel-block.short{height:20px;max-width:40%}@keyframes shimmer{0%{background-position:200% 0}to{background-position:-200% 0}}@keyframes spin{to{transform:rotate(360deg)}}.btn-print{display:inline-flex;align-items:center;gap:.4rem;padding:.4rem .9rem;border-radius:var(--r-btn);font-size:.78rem;font-weight:600;cursor:pointer;background:#f1f5f9;color:var(--text-b);border:1px solid var(--border);font-family:Inter,sans-serif;transition:all .2s;margin-top:.75rem}.btn-print:hover{background:var(--primary-lt);color:var(--primary);border-color:var(--primary)}.btn-print svg{width:14px;height:14px}@media print{nav,.social-topbar,.tool-selector,.back-to-tools,footer,.page-hero,.tool-header,.tool-body>.inputs-grid,.tool-body>div:has(.toggle-row),.tool-body>.expenses-section,.tool-body>button,.tool-learn,.btn-print,.tool-card:not(.printing){display:none!important}.tool-card.printing{display:block!important;border:none;box-shadow:none;page-break-inside:avoid}.tool-card.printing .tool-header{display:flex!important;border:none;background:none;padding:0 0 .5rem}.tool-card.printing .tool-results{display:block!important}body{background:#fff}}