body,input,select,button,textarea{font-family:'Mulish',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif}h1,h2,h3,h4,h5,h6,.logo,.panel-title,.amort-title,.section-title{font-family:'Nunito',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}:root{--bg:#F7F8FC;--surface:#FFFFFF;--surface-2:#F0F2F8;--border:#E3E6F0;--text:#1E2235;--text-2:#3D4460;--muted:#656D85;--teal:#1B2A5E;--teal-2:#2A3B75;--teal-bg:#F0F4FA;--teal-dark:#10193E;--coral:#F5A623;--coral-bg:#FFF7EC;--violet:#7C3AED;--green:#16A34A;--red:#DC2626;--gold:#D97706;--gold-bg:#FFFBEB;--shadow-sm:0 1px 3px rgba(0,0,0,0.06),0 1px 2px rgba(0,0,0,0.04);--shadow:0 4px 16px rgba(0,0,0,0.07),0 1px 3px rgba(0,0,0,0.05);--r:12px;--r-sm:8px;--font-display:'Nunito',sans-serif;--font-body:'Mulish',sans-serif;--ease:cubic-bezier(0.34,1.06,0.64,1)}body{font-family:var(--font-body);background:var(--bg);color:var(--text);min-height:100vh;-webkit-font-smoothing:antialiased;text-align:justify}@keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}@keyframes scaleIn{from{opacity:0;transform:scale(0.96)}to{opacity:1;transform:scale(1)}}@keyframes popIn{from{opacity:0;transform:scale(0.8) translateY(6px)}to{opacity:1;transform:scale(1) translateY(0)}}@media(prefers-reduced-motion:no-preference){.a1{animation:fadeUp 0.4s var(--ease) both}.a2{animation:fadeUp 0.4s var(--ease) 0.05s both}.a3{animation:fadeUp 0.4s var(--ease) 0.1s both}.a4{animation:fadeUp 0.4s var(--ease) 0.15s both}}@media(prefers-reduced-motion:reduce){.a1,.a2,.a3,.a4{animation:none}}header{position:sticky;top:0;z-index:200;background:rgba(255,255,255,0.95);backdrop-filter:blur(20px);border-bottom:1px solid var(--border);padding:0 32px;height:64px;display:flex;align-items:center;justify-content:space-between;box-shadow:var(--shadow-sm)}.logo{font-family:var(--font-display);font-size:1.5rem;font-weight:900;text-decoration:none;color:var(--text);display:flex;align-items:center;gap:10px;letter-spacing:-0.01em;flex-shrink:1;min-width:0;overflow:hidden}.logo-icon{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,var(--teal),var(--teal-2));display:flex;align-items:center;justify-content:center;font-size:1rem;box-shadow:0 2px 8px rgba(13,148,136,0.35)}.logo span{color:var(--teal)}nav{display:flex;gap:4px}nav a{padding:7px 16px;border-radius:50px;text-decoration:none;font-family:var(--font-body);font-size:0.85rem;font-weight:600;color:var(--muted);transition:all 0.2s 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16px;position:sticky;top:64px;height:calc(100vh - 64px);overflow-y:auto}.left-nav-label{font-size:0.68rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--muted);padding:0 12px 10px;display:block}.nav-card{display:flex;align-items:center;gap:12px;padding:12px 14px;border-radius:var(--r-sm);transition:all 0.2s ease;margin-bottom:4px;border:1px solid transparent;text-decoration:none;color:inherit}.nav-card:hover{background:var(--surface-2)}.nav-card.active{background:var(--teal-bg);border-color:rgba(13,148,136,0.2)}.nc-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0;background:var(--surface-2);transition:all 0.2s}.nav-card.active .nc-icon{background:rgba(13,148,136,0.12)}.nc-info{flex:1;min-width:0}.nc-name{font-size:0.88rem;font-weight:700;color:var(--text-2);display:block}.nc-desc{font-size:0.72rem;color:var(--muted)}.nav-card.active .nc-name{color:var(--teal)}.nav-divider{border:none;border-top:1px solid var(--border);margin:16px 0}.bank-list{padding:0 12px}.bank-list-title{font-size:0.68rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}.bank-link{display:block;font-size:0.78rem;color:var(--text-2);padding:5px 0;text-decoration:none;font-weight:500;transition:color 0.2s}.bank-link:hover{color:var(--teal)}main{padding:36px 40px 80px;min-width:0}.panel-top{margin-bottom:32px}.panel-badge{display:inline-flex;align-items:center;gap:6px;padding:4px 12px;border-radius:50px;font-size:0.72rem;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;background:var(--teal-bg);color:var(--teal);border:1px solid rgba(13,148,136,0.25);margin-bottom:12px;text-align:left}.panel-title{font-family:var(--font-display);font-size:2rem;font-weight:900;line-height:1.2;color:var(--text);letter-spacing:-0.02em;margin-bottom:8px;text-align:left}.panel-sub{font-size:0.92rem;color:var(--muted);line-height:1.65}.calc-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:32px;box-shadow:var(--shadow);margin-bottom:20px}.form-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(195px,1fr));gap:24px;margin-bottom:28px}.field{display:flex;flex-direction:column;gap:7px}.field label{font-size:0.74rem;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;color:var(--muted)}.field input,.field select{width:100%;padding:11px 14px;background:var(--bg);border:1.5px solid var(--border);border-radius:var(--r-sm);color:var(--text);font-family:var(--font-body);font-size:0.96rem;font-weight:600;outline:none;transition:all 0.2s ease;appearance:none}.field input:focus,.field select:focus{border-color:var(--teal);background:var(--surface);box-shadow:0 0 0 3px rgba(13,148,136,0.12)}.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='7' viewBox='0 0 12 7'%3E%3Cpath d='M1 1l5 4.5L11 1' stroke='%238890AA' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:34px;cursor:pointer}.range-wrap{display:flex;align-items:center;gap:10px;margin-top:3px}input[type=range]{flex:1;height:4px;border:none;padding:0;cursor:pointer;accent-color:var(--teal);border-radius:2px;background:var(--border)}.rv{font-size:0.8rem;font-weight:800;color:var(--teal);min-width:72px;text-align:right;font-variant-numeric:tabular-nums}.go-btn{display:inline-flex;align-items:center;gap:8px;padding:13px 30px;border-radius:50px;border:none;background:linear-gradient(135deg,var(--teal),var(--teal-2));color:#fff;font-family:var(--font-display);font-size:0.95rem;font-weight:800;cursor:pointer;box-shadow:0 4px 16px rgba(13,148,136,0.3);transition:all 0.2s ease}.go-btn:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(13,148,136,0.4)}.cta-banner{background:linear-gradient(135deg,var(--teal),var(--teal-dark));border-radius:var(--r);padding:24px 28px;margin:20px 0;display:flex;align-items:center;justify-content:space-between;gap:20px;color:#fff;box-shadow:var(--shadow)}.cta-banner-text h3{font-family:var(--font-display);font-size:1.2rem;font-weight:800;margin-bottom:4px}.cta-banner-text p{font-size:0.88rem;opacity:0.92}.cta-btn{padding:12px 26px;background:#fff;color:var(--teal-dark);font-weight:800;font-family:var(--font-display);font-size:0.88rem;border-radius:50px;text-decoration:none;white-space:nowrap;box-shadow:0 4px 12px rgba(0,0,0,0.15);transition:transform 0.2s}.cta-btn:hover{transform:translateY(-2px)}.results-wrap{margin-top:32px;animation:fadeUp 0.4s var(--ease) both}.results-divider{display:flex;align-items:center;gap:12px;margin-bottom:24px}.results-divider span{font-size:0.72rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--muted);white-space:nowrap}.results-divider::before,.results-divider::after{content:'';flex:1;height:1px;background:var(--border)}.stat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:14px;margin-bottom:28px}.stat-card{padding:18px 20px;border-radius:var(--r-sm);border:1px solid var(--border);background:var(--surface);animation:popIn 0.4s var(--ease) both;position:relative;overflow:hidden}.stat-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;border-radius:0 0 var(--r-sm) var(--r-sm)}.stat-card.teal::after{background:linear-gradient(90deg,var(--teal),var(--teal-2))}.stat-card.coral::after{background:var(--coral)}.stat-card.green::after{background:var(--green)}.stat-card.violet::after{background:var(--violet)}.stat-card.gold::after{background:var(--gold)}.stat-card.red::after{background:var(--red)}.stat-label{font-size:0.7rem;font-weight:700;letter-spacing:0.07em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}.stat-val{font-family:var(--font-display);font-size:1.45rem;font-weight:900;letter-spacing:-0.02em;color:var(--text);line-height:1}.stat-card.teal .stat-val{color:var(--teal)}.stat-card.coral .stat-val{color:var(--coral)}.stat-card.green .stat-val{color:var(--green)}.stat-card.violet .stat-val{color:var(--violet)}.stat-card.gold .stat-val{color:var(--gold)}.stat-card.red .stat-val{color:var(--red)}.chart-area{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:24px;display:grid;gap:24px}.chart-area.two-col{grid-template-columns:1fr 1fr}.chart-area.one-col{grid-template-columns:1fr}.chart-title{font-family:var(--font-display);font-size:0.88rem;font-weight:800;color:var(--text-2);margin-bottom:16px;display:flex;align-items:center;gap:6px}.chart-canvas-wrap{position:relative}.amortization-section{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:28px;margin-bottom:20px;margin-top:20px}.amort-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px;flex-wrap:wrap;gap:12px}.amort-title{font-family:var(--font-display);font-size:1.15rem;font-weight:800;color:var(--text)}.amort-toggle{display:flex;gap:4px;background:var(--surface-2);padding:4px;border-radius:50px}.amort-toggle button{padding:6px 16px;border:none;background:none;cursor:pointer;font-family:var(--font-body);font-size:0.82rem;font-weight:700;color:var(--muted);border-radius:50px;transition:all 0.2s}.amort-toggle button.active{background:var(--teal);color:#fff}.amort-table-wrap{overflow-x:auto;max-height:480px;overflow-y:auto;border:1px solid var(--border);border-radius:var(--r-sm)}.amort-table{width:100%;border-collapse:collapse;font-size:0.86rem}.amort-table thead th{position:sticky;top:0;background:var(--surface-2);padding:11px 14px;text-align:right;font-weight:700;color:var(--text-2);font-size:0.78rem;text-transform:uppercase;letter-spacing:0.04em;border-bottom:1px solid var(--border)}.amort-table thead th:first-child{text-align:left}.amort-table tbody td{padding:9px 14px;text-align:right;border-bottom:1px solid var(--border);font-variant-numeric:tabular-nums;color:var(--text-2)}.amort-table tbody td:first-child{text-align:left;font-weight:700;color:var(--text)}.amort-table tbody tr:hover{background:var(--surface-2)}.amort-table tbody tr:last-child td{border-bottom:none}.disclaimer{padding:12px 16px;border-radius:var(--r-sm);background:var(--gold-bg);border:1px solid rgba(217,119,6,0.2);border-left:3px solid var(--gold);font-size:0.78rem;color:var(--text-2);line-height:1.65;margin-bottom:20px}.disclaimer strong{color:var(--gold)}.info-section{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:32px;margin-bottom:20px}.info-section h2{font-family:var(--font-display);font-size:1.5rem;font-weight:800;margin-bottom:14px;color:var(--text)}.info-section h3{font-family:var(--font-display);font-size:1.15rem;font-weight:800;margin:20px 0 10px;color:var(--text)}.info-section p{font-size:0.92rem;color:var(--text-2);line-height:1.8;margin-bottom:12px}.info-section ul,.info-section ol{font-size:0.92rem;color:var(--text-2);line-height:1.9;padding-left:24px;margin-bottom:12px}.info-section li{margin-bottom:4px}.info-section strong{color:var(--text);font-weight:700}.formula{font-family:'Courier New',monospace;font-size:0.92rem;background:var(--teal-bg);border:1px solid rgba(13,148,136,0.2);border-radius:6px;padding:14px 18px;color:var(--teal-dark);margin:14px 0;font-weight:700;overflow-x:auto}.faq-item{border-bottom:1px solid var(--border);padding:16px 0}.faq-item:last-child{border-bottom:none}.faq-q{font-family:var(--font-display);font-size:1rem;font-weight:800;color:var(--text);cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:6px 0}.faq-q:hover{color:var(--teal)}.faq-q::after{content:'+';font-size:1.6rem;color:var(--teal);font-weight:400;transition:transform 0.2s}.faq-item.open .faq-q::after{transform:rotate(45deg)}.faq-a{font-size:0.9rem;color:var(--text-2);line-height:1.8;padding:8px 0 0;display:none}.faq-item.open .faq-a{display:block}.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin-top:14px}.related-card{display:flex;align-items:center;gap:12px;padding:14px;background:var(--bg);border:1px solid var(--border);border-radius:var(--r-sm);text-decoration:none;color:inherit;transition:all 0.2s}.related-card:hover{border-color:var(--teal);transform:translateY(-2px);box-shadow:var(--shadow-sm)}.related-icon{width:36px;height:36px;border-radius:8px;background:var(--teal-bg);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}.related-info span{font-size:0.85rem;font-weight:700;color:var(--text);display:block}.related-info small{font-size:0.72rem;color:var(--muted)}.right-sidebar{border-left:1px solid var(--border);padding:28px 20px;display:flex;flex-direction:column;gap:20px}.widget{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:18px}.widget:has(.widget-title:only-child){display:none}.widget-title{font-family:var(--font-display);font-size:0.82rem;font-weight:800;letter-spacing:0.05em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}.rate-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid var(--border);font-size:0.82rem}.rate-row:last-child{border:none;padding-bottom:0}.rate-label{color:var(--text-2);font-weight:500}.rate-val{font-weight:800;font-variant-numeric:tabular-nums}.rate-val.teal{color:var(--teal)}.rate-val.green{color:var(--green)}.rate-val.coral{color:var(--coral)}.ad-side{background:var(--surface-2);border:1px dashed var(--border);border-radius:var(--r);min-height:0;display:none;align-items:center;justify-content:center;font-size:0.68rem;color:var(--muted);letter-spacing:0.1em;text-transform:uppercase}.info-section,.footer-links-section,.faq-item{content-visibility:auto;contain-intrinsic-size:auto 500px}.footer-links-section{background:var(--surface);border-top:1px solid var(--border);padding:40px 32px;margin-top:60px}.footer-links-section .container{max-width:1320px;margin:0 auto}.footer-links-section h3.footer-heading,.footer-links-section h4{font-family:var(--font-display);font-size:0.85rem;font-weight:800;letter-spacing:0.05em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;margin-bottom:32px}.footer-col a{display:block;font-size:0.85rem;color:var(--text-2);padding:5px 0;text-decoration:none;font-weight:500;transition:color 0.2s}.footer-col a:hover{color:var(--teal)}footer{border-top:1px solid var(--border);background:var(--surface);padding:24px 32px;display:flex;align-items:center;justify-content:space-between;font-size:0.78rem;color:var(--muted)}.footer-bottom-links{display:flex;gap:20px}.footer-bottom-links a{color:var(--muted);text-decoration:none;font-weight:600}.footer-bottom-links a:hover{color:var(--teal)}nav,nav a,.go-btn,.cta-btn,.stat-card,.stat-label,.stat-val,.field label,.panel-badge,.amort-toggle,footer,.footer-bottom-links,.breadcrumb,.left-nav-label,.nc-name,.nc-desc,.results-divider span,.chart-title,.rv,.rate-row,.rate-label,.rate-val,.widget-title,.amort-table th,.amort-table td{text-align:initial}.hidden{display:none!important}.ad-top,.ad-mid,.ad-bottom,.ad-side,.cta-banner{display:none!important}.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;border-radius:8px;transition:background 0.2s}.menu-toggle:hover{background:var(--surface-2)}.menu-toggle span{display:block;width:22px;height:2.5px;background:var(--text);border-radius:2px;transition:all 0.3s ease;margin:5px 0}.menu-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}.menu-toggle.active span:nth-child(2){opacity:0}.menu-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}.mobile-nav-overlay{display:none;position:fixed;inset:0;top:64px;background:rgba(0,0,0,0.4);z-index:199;opacity:0;transition:opacity 0.3s}.mobile-nav-overlay.active{opacity:1}@media(max-width:1100px){.right-sidebar{display:none}.layout{grid-template-columns:210px 1fr}.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:700px){.menu-toggle{display:flex!important;flex-direction:column;justify-content:center}header{flex-direction:row!important;align-items:center!important;height:56px!important;padding:0 16px!important;gap:0!important;justify-content:space-between!important}.logo svg{height:28px!important;width:auto}header nav{display:none!important;position:fixed;top:56px;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--border);padding:12px 16px;flex-direction:column;gap:4px;z-index:198;box-shadow:0 8px 24px rgba(0,0,0,0.1)}header nav.open{display:flex!important}.mobile-nav-overlay.active{display:block}header nav a{white-space:nowrap;padding:12px 16px;font-size:0.92rem;border-radius:var(--r-sm);min-height:44px;display:flex;align-items:center}header nav a:hover,header nav a:active{background:var(--surface-2)}.left-nav{display:none}.layout{grid-template-columns:1fr;max-width:100vw;overflow-x:hidden}main{padding:20px 16px 60px;max-width:100vw;overflow-x:hidden}.breadcrumb{padding:10px 16px;font-size:0.78rem}.page-hero{padding:28px 16px}.page-hero h1{font-size:1.6rem;margin:12px 0 10px}.page-hero .lead{font-size:0.9rem}.bank-badge{font-size:0.75rem}.quick-stats{grid-template-columns:1fr 1fr;gap:12px}.qs{padding:14px}.qs-label{font-size:0.68rem}.qs strong{font-size:1rem}.panel-title{font-size:1.5rem}.panel-sub{font-size:0.85rem}.panel-badge{font-size:0.68rem}.calc-card{padding:20px 16px;border-radius:var(--r-sm)}.form-grid{grid-template-columns:1fr;gap:18px}.field input,.field select{font-size:16px!important;padding:13px 14px;min-height:48px}.field label{font-size:0.72rem}.range-wrap{gap:8px}.rv{min-width:60px;font-size:0.78rem}input[type=range]{height:6px}.go-btn{width:100%;justify-content:center;padding:15px 24px;font-size:1rem;min-height:48px}.stat-grid{grid-template-columns:1fr 1fr;gap:10px}.stat-card{padding:14px 16px}.stat-val{font-size:1.2rem}.stat-label{font-size:0.66rem}.chart-area{padding:16px}.chart-area.two-col{grid-template-columns:1fr}.chart-title{font-size:0.82rem}.amortization-section{padding:20px 12px}.amort-header{flex-direction:column;align-items:flex-start;gap:10px}.amort-title{font-size:1rem}.amort-table{font-size:0.78rem}.amort-table thead th{padding:9px 8px;font-size:0.7rem}.amort-table tbody td{padding:8px}.info-section{padding:24px 16px;border-radius:var(--r-sm)}.info-section h2{font-size:1.25rem}.info-section h3{font-size:1rem}.info-section p,.info-section ul,.info-section ol{font-size:0.88rem}.formula{font-size:0.82rem;padding:12px 14px;overflow-x:auto;white-space:nowrap}.faq-q{font-size:0.92rem;padding:10px 0;min-height:44px}.faq-a{font-size:0.85rem}.cta-banner{flex-direction:column;text-align:center;padding:20px 16px;gap:14px}.cta-btn{width:100%;text-align:center;display:block;padding:14px 20px}.related-grid{grid-template-columns:1fr;gap:10px}.related-card{padding:14px 12px}.footer-links-section{padding:28px 16px}.footer-grid{grid-template-columns:1fr 1fr;gap:20px}.footer-grid h4{font-size:0.78rem}.footer-col a{font-size:0.82rem;padding:6px 0;min-height:36px;display:flex;align-items:center}footer{flex-direction:column;gap:14px;text-align:center;padding:20px 16px}.footer-bottom-links{flex-wrap:wrap;justify-content:center;gap:14px}.footer-bottom-links a{min-height:44px;display:inline-flex;align-items:center}.disclaimer{font-size:0.76rem;padding:12px 14px}html,body{overflow-x:hidden;-webkit-overflow-scrolling:touch}.chart-canvas-wrap{max-width:100%;overflow:hidden}.chart-area{max-width:100%;overflow:hidden}a,button,.nav-card,.calc-tile,.bank-tile,.related-card{-webkit-tap-highlight-color:transparent}}@media(max-width:380px){header{padding:0 12px}main{padding:16px 12px 50px}.panel-title{font-size:1.3rem}.stat-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.calc-card{padding:16px 12px}}
.author-byline{max-width:1320px;margin:0 auto;padding:10px 32px;display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center;font-size:.8rem;color:var(--muted);border-bottom:1px solid var(--border)}.author-byline strong{color:var(--text-2);font-weight:700}@media(max-width:700px){.author-byline{padding:10px 16px;font-size:.74rem}}
.rate-updated{font-size:.68rem;color:var(--muted);margin-top:8px;padding-top:8px;border-top:1px dashed var(--border);letter-spacing:.02em}