html{min-width:320px;min-height:100%;margin:0;padding:0}body{min-width:320px;min-height:100vh;margin:0;padding:0}#root{width:100%;min-height:100vh}button,input,select,textarea{font:inherit}:root{font-synthesis:none;text-rendering:optimizelegibility;--page-bg:#f5f7fb;--surface:#fff;--surface-secondary:#fafbfc;--surface-tertiary:#f2f4f7;--text-primary:#101828;--text-secondary:#344054;--text-muted:#667085;--text-subtle:#98a2b3;--border:#e4e7ec;--border-light:#eaecf0;--input-border:#d0d5dd;--tabs-bg:#e9edf3;--tabs-border:#dde3ea;--focus-border:#98a2b3;--focus-shadow:#98a2b329;--shadow:0 1px 2px #10182808, 0 10px 30px #1018280b;color:var(--text-primary);background:var(--page-bg);--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}:root[data-theme=dark]{--page-bg:#0b0f17;--surface:#111827;--surface-secondary:#161e2e;--surface-tertiary:#1f2937;--text-primary:#f8fafc;--text-secondary:#e2e8f0;--text-muted:#a7b0c0;--text-subtle:#7d899c;--border:#273244;--border-light:#222c3b;--input-border:#344054;--tabs-bg:#151d2a;--tabs-border:#293548;--focus-border:#64748b;--focus-shadow:#64748b38;--shadow:0 1px 2px #0000002e, 0 10px 30px #00000038;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}*{box-sizing:border-box}html{background:var(--page-bg)}body{background:var(--page-bg);min-width:320px;min-height:100vh;color:var(--text-primary);margin:0}button,input,select{font:inherit}button{-webkit-tap-highlight-color:transparent}#root{min-height:100vh}.app-shell{background:var(--page-bg);flex-direction:column;min-height:100vh;display:flex}.app-header{background:var(--surface);border-bottom:1px solid var(--border)}.header-content{text-align:left;justify-content:space-between;align-items:flex-start;gap:24px;width:min(1180px,100% - 40px);margin:0 auto;padding:30px 0 24px;display:flex}.header-copy{min-width:0}.eyebrow{color:var(--text-muted);letter-spacing:.08em;text-transform:uppercase;margin:0 0 6px;font-size:.75rem;font-weight:700}.header-content h1{color:var(--text-primary);letter-spacing:-.03em;margin:0;font-size:clamp(1.65rem,3vw,2.25rem);font-weight:700;line-height:1.15}.header-description{max-width:760px;color:var(--text-muted);margin:9px 0 0;font-size:.95rem;line-height:1.55}.app-main{flex:1;width:min(1180px,100% - 40px);margin:0 auto}.theme-toggle{border:1px solid var(--border);background:var(--surface-secondary);min-height:40px;color:var(--text-secondary);cursor:pointer;border-radius:9px;flex-shrink:0;justify-content:center;align-items:center;gap:8px;padding:8px 13px;font-size:.82rem;font-weight:600;transition:background .15s,border-color .15s,color .15s;display:inline-flex}.theme-toggle:hover{background:var(--surface-tertiary);color:var(--text-primary)}.theme-icon{font-size:1rem;line-height:1}.theme-label{line-height:1}.tabs-wrapper{scrollbar-width:none;-webkit-overflow-scrolling:touch;margin-top:22px;overflow-x:auto}.tabs-wrapper::-webkit-scrollbar{display:none}.tabs{background:var(--tabs-bg);border:1px solid var(--tabs-border);border-radius:12px;gap:4px;min-width:max-content;padding:4px;display:flex}.tab-button{min-height:42px;color:var(--text-muted);cursor:pointer;white-space:nowrap;background:0 0;border:0;border-radius:8px;justify-content:center;align-items:center;padding:10px 17px;font-size:.88rem;font-weight:600;text-decoration:none;display:inline-flex}.tab-button:hover{color:var(--text-secondary)}.tab-button.active{background:var(--surface);color:var(--text-primary);box-shadow:0 1px 3px #0000001f}.tab-content{margin-top:18px;margin-bottom:48px}.calculator-panel,.references-panel{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:16px;overflow:hidden}.calculator-heading{border-bottom:1px solid var(--border-light);text-align:left;padding:27px 30px 23px}.calculator-kicker{letter-spacing:.06em;text-transform:uppercase;font-weight:700;color:var(--text-muted)!important;margin:0 0 5px!important;font-size:.75rem!important}.calculator-heading h2{color:var(--text-primary);letter-spacing:-.02em;margin:0;font-size:1.4rem;font-weight:700}.calculator-heading p{max-width:760px;color:var(--text-muted);margin:7px 0 0;font-size:.9rem;line-height:1.5}.calculator-layout{grid-template-columns:minmax(0,1.45fr) minmax(320px,.85fr);display:grid}.input-panel{border-right:1px solid var(--border-light);background:var(--surface);text-align:left;padding:30px}.input-panel h3,.payment-breakdown h3{color:var(--text-secondary);margin:0 0 18px;font-size:.93rem;font-weight:700}.section-heading{margin-top:32px!important}.calculator-form{grid-template-columns:repeat(2,minmax(0,1fr));align-items:start;gap:20px;display:grid}.calculator-form label{text-align:left;align-content:start;gap:8px;display:grid}.calculator-form label>span:first-child{color:var(--text-secondary);font-size:.84rem;font-weight:600}input,select{border:1px solid var(--input-border);background:var(--surface);width:100%;height:46px;color:var(--text-primary);border-radius:8px;outline:none;padding:0 13px}input:focus,select:focus{border-color:var(--focus-border);box-shadow:0 0 0 3px var(--focus-shadow)}.input-with-prefix,.input-with-suffix{border:1px solid var(--input-border);background:var(--surface);border-radius:8px;align-items:stretch;width:100%;height:46px;display:flex;overflow:hidden}.input-with-prefix:focus-within,.input-with-suffix:focus-within{border-color:var(--focus-border);box-shadow:0 0 0 3px var(--focus-shadow)}.input-with-prefix input,.input-with-suffix input{width:auto;min-width:0;height:100%;box-shadow:none;color:var(--text-primary);background:0 0;border:0;border-radius:0;outline:none;flex:1;padding:0 13px}.input-with-prefix input:focus,.input-with-suffix input:focus{box-shadow:none;border:0}.input-prefix,.input-suffix{min-width:40px;color:var(--text-muted);background:var(--surface-secondary);pointer-events:none;flex-shrink:0;justify-content:center;align-items:center;padding:0 12px;font-size:.95rem;font-weight:500;display:flex}.input-prefix{border-right:1px solid var(--border-light)}.input-suffix{border-left:1px solid var(--border-light)}.down-payment-control{align-items:stretch;gap:8px;width:100%;height:46px;display:flex}.down-payment-input{flex:1;min-width:0;height:46px}.down-payment-input .input-with-prefix,.down-payment-input .input-with-suffix{height:46px}.down-payment-control .mini-toggle{border:1px solid var(--border);background:var(--surface-tertiary);border-radius:8px;flex-shrink:0;align-items:stretch;height:46px;padding:3px;display:flex}.down-payment-control .mini-toggle button{min-width:34px;height:100%;min-height:0;color:var(--text-muted);cursor:pointer;background:0 0;border:0;border-radius:6px;padding:0 9px;font-size:.78rem;font-weight:700}.down-payment-control .mini-toggle button.active{background:var(--surface);color:var(--text-primary);box-shadow:0 1px 3px #0000001f}.field-hint{min-height:17px;color:var(--text-subtle);font-size:.74rem;line-height:1.4}.input-note{border:1px solid var(--border);background:var(--surface-secondary);color:var(--text-muted);border-radius:9px;margin:22px 0 0;padding:14px 16px;font-size:.78rem;line-height:1.55}.mode-selector{background:var(--surface-tertiary);border:1px solid var(--border);border-radius:8px;width:fit-content;margin-bottom:16px;padding:3px;display:flex}.mode-selector button{min-height:32px;color:var(--text-muted);cursor:pointer;background:0 0;border:0;border-radius:6px;padding:5px 11px;font-size:.78rem;font-weight:700}.mode-selector button.active{background:var(--surface);color:var(--text-primary);box-shadow:0 1px 3px #0000001f}.single-row-form{max-width:360px}.checkbox-row{color:var(--text-secondary);align-items:center;gap:10px;margin-top:20px;font-size:.84rem;font-weight:600;display:flex}.checkbox-row input{width:18px;height:18px;margin:0}.results-panel{background:var(--surface-secondary);padding:30px}.primary-result{border-bottom:1px solid var(--border);padding-bottom:26px}.primary-result span{color:var(--text-muted);font-size:.84rem;font-weight:600;display:block}.primary-result strong{color:var(--text-primary);letter-spacing:-.04em;margin-top:6px;font-size:clamp(2rem,4vw,2.65rem);line-height:1.08;display:block}.primary-result small{color:var(--text-subtle);margin-top:6px;display:block}.payment-breakdown{padding-top:26px}.result-row{justify-content:space-between;gap:16px;padding:9px 0;font-size:.89rem;display:flex}.result-row span{color:var(--text-muted)}.result-row strong{color:var(--text-secondary);white-space:nowrap;font-weight:600}.phase-two-results{border-top:1px solid var(--border);margin-top:26px;padding-top:24px}.phase-two-results h3{color:var(--text-secondary);margin:0 0 18px;font-size:.93rem}.calculator-disclaimer{border-top:1px solid var(--border-light);color:var(--text-subtle);margin:0;padding:18px 30px;font-size:.75rem;line-height:1.5}.amortization-section{background:var(--surface);padding:0 30px 28px}.amortization-section details{border:1px solid var(--border);border-radius:10px;overflow:hidden}.amortization-section summary{cursor:pointer;color:var(--text-secondary);background:var(--surface-secondary);padding:16px 18px;font-size:.88rem;font-weight:700}.table-scroll{width:100%;overflow-x:auto}.amortization-table{border-collapse:collapse;width:100%;min-width:560px;font-size:.82rem}.amortization-table th,.amortization-table td{border-bottom:1px solid var(--border-light);text-align:right;padding:11px 14px}.amortization-table th:first-child,.amortization-table td:first-child{text-align:left}.amortization-table th{color:var(--text-muted);background:var(--surface)}.amortization-table td{color:var(--text-secondary)}.references-content{padding:30px}.reference-intro{max-width:760px;margin-bottom:26px}.reference-intro h3{color:var(--text-primary);margin:0 0 7px;font-size:1rem}.reference-intro p{color:var(--text-muted);margin:0;font-size:.88rem;line-height:1.55}.reference-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;display:grid}.reference-card{border:1px solid var(--border);background:var(--surface-secondary);border-radius:12px;flex-direction:column;padding:20px;display:flex}.reference-card h3{color:var(--text-primary);margin:0}.reference-card p{color:var(--text-muted);flex:1;margin:9px 0 18px;font-size:.84rem;line-height:1.6}.reference-card a{width:fit-content;color:var(--text-secondary);font-size:.8rem;font-weight:700;text-decoration:none}.reference-card a:hover{text-decoration:underline}.reference-note{border:1px solid var(--border);background:var(--surface-secondary);color:var(--text-muted);border-radius:10px;margin-top:24px;padding:16px 18px;font-size:.78rem;line-height:1.55}.education-panel{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:16px;margin-top:20px;padding:30px}.education-header{max-width:800px}.education-header h2{color:var(--text-primary);margin:0;font-size:1.3rem}.education-header>p:not(.calculator-kicker){color:var(--text-muted);margin:8px 0 0;font-size:.88rem;line-height:1.6}.education-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:26px;display:grid}.education-card{background:var(--surface-secondary);border:1px solid var(--border);border-radius:10px;padding:18px}.education-card h3{color:var(--text-primary);margin:0;font-size:.92rem}.education-card p{color:var(--text-muted);margin:8px 0 0;font-size:.82rem;line-height:1.6}.education-sources{border-top:1px solid var(--border);color:var(--text-muted);justify-content:space-between;align-items:center;gap:16px;margin-top:24px;padding-top:18px;font-size:.78rem;display:flex}.education-sources a{color:var(--text-secondary);font-weight:700;text-decoration:none}.app-footer{color:var(--text-subtle);text-align:center;padding:24px 20px 32px;font-size:.75rem}@media (width<=900px){.calculator-layout{grid-template-columns:1fr}.input-panel{border-right:0;border-bottom:1px solid var(--border-light)}}@media (width<=700px){.reference-grid,.education-grid{grid-template-columns:1fr}.references-content,.education-panel{padding:22px 18px}.education-sources{flex-direction:column;align-items:flex-start;gap:8px}.amortization-section{padding:0 18px 22px}}@media (width<=600px){.header-content,.app-main{width:min(100% - 24px,1180px)}.header-content{gap:14px;padding:22px 0 18px}.header-description{font-size:.84rem}.theme-toggle{width:40px;min-width:40px;height:40px;padding:0}.theme-label{display:none}.tabs-wrapper{margin-top:14px;margin-right:-12px}.tab-button{min-height:40px;padding:9px 13px;font-size:.81rem}.tab-content{margin-top:14px;margin-bottom:28px}.calculator-panel,.references-panel,.education-panel{border-radius:12px}.calculator-heading,.input-panel,.results-panel{padding:22px 18px}.calculator-form{grid-template-columns:1fr;gap:16px}.section-heading{margin-top:26px!important}input,select{height:48px;font-size:16px}.input-with-prefix,.input-with-suffix,.down-payment-control,.down-payment-input,.down-payment-control .mini-toggle{height:48px}.input-with-prefix input,.input-with-suffix input{height:100%;font-size:16px}.input-prefix,.input-suffix{min-width:42px;font-size:16px}.single-row-form{max-width:none}.primary-result strong{font-size:2.15rem}}.site-title-link{color:inherit;text-decoration:none}.site-title-link:hover{color:var(--text-primary)}.home-hero{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:16px;padding:42px 36px}.home-hero h2{max-width:760px;color:var(--text-primary);letter-spacing:-.04em;margin:0;font-size:clamp(2rem,5vw,3.25rem);line-height:1.08}.home-hero>p:not(.calculator-kicker){max-width:720px;color:var(--text-muted);margin:16px 0 0;font-size:1rem;line-height:1.7}.tools-section{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:16px;margin-top:20px;padding:32px}.tools-heading{max-width:760px}.tools-heading h2{color:var(--text-primary);letter-spacing:-.02em;margin:0;font-size:1.35rem}.tools-heading p{color:var(--text-muted);margin:8px 0 0;font-size:.9rem;line-height:1.6}.tool-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:26px;display:grid}.tool-card{border:1px solid var(--border);background:var(--surface-secondary);min-height:210px;color:inherit;border-radius:12px;flex-direction:column;padding:22px;text-decoration:none;transition:transform .15s,border-color .15s,background .15s;display:flex}.tool-card:hover{background:var(--surface);border-color:var(--input-border);transform:translateY(-2px)}.tool-card h3{color:var(--text-primary);margin:0;font-size:1rem}.tool-card p{color:var(--text-muted);flex:1;margin:10px 0 20px;font-size:.84rem;line-height:1.6}.tool-card span{color:var(--text-secondary);font-size:.8rem;font-weight:700}.home-info{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:20px;display:grid}.home-info>div{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:12px;padding:22px}.home-info h2{color:var(--text-primary);margin:0;font-size:.95rem}.home-info p{color:var(--text-muted);margin:9px 0 0;font-size:.82rem;line-height:1.6}.home-reference-link{color:var(--text-secondary);margin-top:14px;font-size:.8rem;font-weight:700;text-decoration:none;display:inline-block}.home-reference-link:hover{text-decoration:underline}@media (width<=900px){.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.home-info{grid-template-columns:1fr}}@media (width<=600px){.home-hero{padding:28px 20px}.home-hero h2{font-size:2rem}.tools-section{padding:22px 18px}.tool-grid{grid-template-columns:1fr}.tool-card{min-height:0}}