:root{
  --navy:#232E3A; --navy-2:#1B242E; --navy-3:#151C24; --panel:#2C3947; --line:rgba(255,255,255,.09);
  --copper:#8B4A2B; --copper-l:#D68C62; --copper-xl:#F0B48E; --white:#fff; --muted:#AAB6C4; --soft:#8D9CAD;
  --c1:#D68C62; --c2:#8FB0CF; --c3:#E7DCCB; --c4:#B58BD0; --c5:#6FC2A8;
  --r:20px; --shadow:0 20px 50px -20px rgba(0,0,0,.55);
  --head:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--navy-2);color:var(--white);font-family:var(--body);font-size:16px;line-height:1.5;
  background-image:radial-gradient(900px 500px at 85% -10%,rgba(214,140,98,.18),transparent 60%),radial-gradient(700px 500px at -10% 30%,rgba(143,176,207,.08),transparent 60%);
  background-attachment:fixed;min-height:100vh}
a{color:var(--copper-xl)}
:focus-visible{outline:3px solid var(--copper-xl);outline-offset:2px;border-radius:8px}
.skip{position:absolute;left:12px;top:-60px;background:var(--white);color:var(--navy);padding:10px 14px;border-radius:10px;z-index:99;font-weight:600;text-decoration:none}
.skip:focus{top:12px}
.wrap{max-width:1180px;margin:0 auto;padding:0 18px}
header.top{position:sticky;top:0;z-index:30;background:rgba(27,36,46,.8);backdrop-filter:saturate(140%) blur(14px);-webkit-backdrop-filter:saturate(140%) blur(14px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo img{height:38px;width:auto;display:block}
.top-actions{display:flex;gap:8px}
.pill{display:inline-flex;align-items:center;gap:8px;border-radius:999px;padding:9px 16px;font:600 14px var(--body);text-decoration:none;color:var(--white);border:1px solid var(--line);background:rgba(255,255,255,.04);cursor:pointer;transition:background .2s,transform .15s,border-color .2s}
.pill:hover{background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.18)}
.pill:active{transform:scale(.97)}
.pill.cta{background:linear-gradient(135deg,#A65A35,var(--copper));border-color:transparent;box-shadow:0 8px 20px -8px rgba(214,140,98,.6)}
.pill svg{width:16px;height:16px;flex:none}
@media (max-width:560px){.top-actions .hide-sm{display:none}.logo img{height:32px}}
.hero{margin:22px 0 18px;position:relative;border-radius:28px;overflow:hidden;background:linear-gradient(135deg,#2E3C4B 0%,#232E3A 55%,#1E2833 100%);border:1px solid var(--line);box-shadow:var(--shadow);min-height:250px;display:flex}
.hero::before{content:"";position:absolute;right:-60px;bottom:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(214,140,98,.55),rgba(139,74,43,.25) 45%,transparent 70%)}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:34px 34px;mask-image:linear-gradient(90deg,#000,transparent 70%);-webkit-mask-image:linear-gradient(90deg,#000,transparent 70%);pointer-events:none}
.hero-text{position:relative;z-index:2;padding:30px 0 28px 30px;width:62%}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font:600 12px var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--copper-xl);background:rgba(214,140,98,.12);border:1px solid rgba(214,140,98,.28);padding:6px 11px;border-radius:999px}
.eyebrow i{width:6px;height:6px;border-radius:50%;background:var(--copper-l);box-shadow:0 0 0 4px rgba(214,140,98,.2);animation:pulse 2.4s infinite}
@keyframes pulse{50%{box-shadow:0 0 0 8px rgba(214,140,98,0)}}
h1{font:800 clamp(28px,4.4vw,50px)/1.06 var(--head);letter-spacing:-.02em;margin:14px 0 10px}
h1 em{font-style:normal;background:linear-gradient(90deg,var(--copper-xl),var(--copper-l));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{color:#C9D3DE;margin:0 0 16px;max-width:560px;font-size:clamp(14px,1.6vw,17px)}
.agent b{font:700 15px var(--head);display:block}
.agent span{color:var(--muted);font-size:13px}
.hero-photo{position:absolute;right:2%;bottom:0;height:100%;max-height:340px;z-index:1;display:flex;align-items:flex-end}
.hero-photo img{height:100%;width:auto;display:block;filter:drop-shadow(0 18px 30px rgba(0,0,0,.45));animation:rise .9s cubic-bezier(.2,.8,.2,1) both}
@keyframes rise{from{opacity:0;transform:translateY(24px)}}
@media (min-width:900px){.hero{min-height:330px}.hero-text{padding:44px 0 40px 44px;width:60%}.hero-photo{right:6%}}
@media (max-width:560px){.hero{min-height:290px;border-radius:24px}.hero-text{width:61%;padding:22px 0 20px 20px}.hero-photo{right:-22px;height:240px}.hero p.lead{font-size:13.5px}.hero .agent{display:none}}
.grid{display:grid;grid-template-columns:1fr;gap:18px;align-items:start}
@media (min-width:980px){.grid{grid-template-columns:minmax(0,1fr) minmax(0,1.08fr)}.results-col{position:sticky;top:82px;order:2}.inputs-col{order:1}}
.card{background:linear-gradient(180deg,rgba(51,66,79,.78),rgba(44,57,71,.78));border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:22px}
@media (max-width:560px){.card{padding:18px;border-radius:18px}}
h2{font:700 20px var(--head);margin:0 0 4px;letter-spacing:-.01em}
.sub{color:var(--muted);font-size:13.5px;margin:0 0 16px}
.field{padding:14px 0;border-top:1px solid var(--line)}
.field.first{border-top:0;padding-top:4px}
.f-top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:10px}
.f-top label,.f-top .lbl{font:600 14.5px var(--body);color:#E6ECF2}
.f-top label small{color:var(--soft);font-weight:500;font-size:13px}
.f-right{display:flex;align-items:center;gap:8px}
.num{display:flex;align-items:center;background:var(--navy-3);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:0 12px;height:44px;min-width:128px;transition:border-color .2s,box-shadow .2s}
.num:focus-within{border-color:var(--copper-l);box-shadow:0 0 0 4px rgba(214,140,98,.18)}
.num span{color:var(--muted);font-weight:600}
.num input{background:transparent;border:0;color:var(--white);font:600 16px var(--body);width:100%;min-width:0;text-align:right;outline:none;padding:0 2px;font-variant-numeric:tabular-nums}
.num.w-sm{min-width:96px;width:96px}
.num.w-md{width:140px}
.seg{display:inline-flex;background:var(--navy-3);border:1px solid rgba(255,255,255,.1);border-radius:10px;padding:3px;gap:2px}
.seg button{border:0;background:transparent;color:var(--muted);font:700 13px var(--body);padding:6px 10px;border-radius:8px;cursor:pointer;min-width:34px;transition:background .2s,color .2s}
.seg button[aria-pressed="true"],.seg button[aria-checked="true"]{background:var(--copper);color:var(--white)}
.terms{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.terms button{height:44px;border-radius:12px;border:1px solid rgba(255,255,255,.12);background:var(--navy-3);color:#DDE4EB;font:600 15px var(--body);cursor:pointer;transition:all .2s}
.terms button[aria-checked="true"]{background:linear-gradient(135deg,#A65A35,var(--copper));border-color:transparent;color:#fff;box-shadow:0 8px 18px -8px rgba(214,140,98,.7)}
.hint{color:var(--soft);font-size:12.5px;margin:8px 0 0;line-height:1.45}
.hint b{color:var(--muted);font-weight:600}
.badge{display:inline-block;font:700 11px var(--body);letter-spacing:.04em;text-transform:uppercase;padding:2px 8px;border-radius:999px;background:rgba(143,176,207,.14);color:#BFD3E6;border:1px solid rgba(143,176,207,.25);vertical-align:1px}
.badge.on{background:rgba(214,140,98,.16);color:var(--copper-xl);border-color:rgba(214,140,98,.35)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;cursor:pointer;margin:0;--p:50%}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:6px;background:linear-gradient(90deg,var(--copper-l) 0,var(--copper-l) var(--p),rgba(255,255,255,.12) var(--p))}
input[type=range]::-moz-range-track{height:6px;border-radius:6px;background:rgba(255,255,255,.12)}
input[type=range]::-moz-range-progress{height:6px;border-radius:6px;background:var(--copper-l)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;margin-top:-9px;border:5px solid var(--copper-l);box-shadow:0 4px 12px rgba(0,0,0,.4);transition:transform .15s}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:5px solid var(--copper-l)}
input[type=range]:active::-webkit-slider-thumb{transform:scale(1.15)}
input[type=range]:focus-visible{outline:none}
input[type=range]:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 6px rgba(240,180,142,.45)}
.tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:4px;background:var(--navy-3);border:1px solid var(--line);border-radius:14px;padding:4px;margin-bottom:18px;position:relative}
.tabs button{position:relative;z-index:1;border:0;background:transparent;color:var(--muted);font:600 14px var(--body);height:40px;border-radius:10px;cursor:pointer;transition:color .25s}
.tabs button[aria-selected="true"]{color:#fff}
.tab-ind{position:absolute;z-index:0;top:4px;bottom:4px;left:0;border-radius:10px;background:linear-gradient(135deg,#A65A35,var(--copper));box-shadow:0 8px 18px -8px rgba(214,140,98,.7);transition:transform .35s cubic-bezier(.2,.8,.2,1),width .35s}
[role=tabpanel]{animation:fade .35s ease both}
[role=tabpanel][hidden]{display:none}
@keyframes fade{from{opacity:0;transform:translateY(6px)}}
.total-lbl{color:var(--muted);font:600 13px var(--body);letter-spacing:.08em;text-transform:uppercase}
.total{font:800 clamp(46px,9vw,66px)/1 var(--head);letter-spacing:-.03em;margin:6px 0 4px;font-variant-numeric:tabular-nums;display:flex;align-items:baseline;gap:6px}
.total small{font:600 18px var(--body);color:var(--muted);letter-spacing:0}
.total-sub{color:var(--muted);font-size:13.5px;margin:0 0 18px}
.break{display:grid;grid-template-columns:170px 1fr;gap:20px;align-items:center}
@media (max-width:480px){.break{grid-template-columns:128px 1fr;gap:16px}.legend li{font-size:13.5px;gap:8px}.legend .pc{display:none}.tabs button{font-size:13.5px}.tabs .lg{display:none}}
.tabs .sm{display:none}@media (max-width:480px){.tabs .sm{display:inline}}
.donut{width:100%;height:auto;display:block;transform:rotate(-90deg)}
.donut circle{fill:none;stroke-width:20;transition:stroke-dasharray .6s cubic-bezier(.2,.8,.2,1),stroke-dashoffset .6s cubic-bezier(.2,.8,.2,1)}
.donut-wrap{position:relative}
.donut-c{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.donut-c b{font:700 20px var(--head)}
.donut-c span{font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.legend{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.legend li{display:grid;grid-template-columns:10px 1fr auto;align-items:center;gap:10px;font-size:14px}
.legend i{width:10px;height:10px;border-radius:3px}
.legend .v{font-weight:700;font-variant-numeric:tabular-nums}
.legend .pc{color:var(--soft);font-size:12px;margin-left:6px;font-weight:500;display:inline-block;min-width:28px;text-align:right}
.legend li.zero{opacity:.45}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:20px}
.stat{background:rgba(21,28,36,.55);border:1px solid var(--line);border-radius:14px;padding:12px 14px}
.stat span{display:block;color:var(--muted);font-size:12px;font-weight:500}
.stat b{font:700 17px var(--head);font-variant-numeric:tabular-nums}
.stat.wide{grid-column:1/-1}
.actions{display:flex;gap:10px;margin-top:18px;flex-wrap:wrap}
.btn{flex:1 1 auto;display:inline-flex;align-items:center;justify-content:center;gap:8px;height:48px;padding:0 18px;border-radius:14px;font:600 15px var(--body);text-decoration:none;color:#fff;border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.05);cursor:pointer;transition:transform .15s,background .2s}
.btn:hover{background:rgba(255,255,255,.1)}
.btn:active{transform:scale(.98)}
.btn[disabled]{opacity:.5;cursor:not-allowed}
.btn.primary{background:linear-gradient(135deg,#A65A35,var(--copper));border-color:transparent;box-shadow:0 12px 26px -12px rgba(214,140,98,.8)}
.btn svg{width:18px;height:18px;flex:none}
.yrs{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:6px 0 14px}
.yr{background:rgba(21,28,36,.55);border:1px solid var(--line);border-radius:16px;padding:14px 12px 16px;position:relative;overflow:hidden}
.yr .t{font-size:12px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.06em}
.yr .rt{font-size:13px;color:var(--copper-xl);font-weight:600;margin-top:2px}
.yr b{display:block;font:700 clamp(18px,3.6vw,22px) var(--head);margin-top:6px;font-variant-numeric:tabular-nums}
.yr .sv{font-size:12px;color:#9FD7C4;margin-top:2px}
.yr .bar{position:absolute;left:0;bottom:0;height:4px;background:var(--copper-l);transition:width .6s cubic-bezier(.2,.8,.2,1)}
.callout{display:flex;justify-content:space-between;align-items:center;gap:14px;background:linear-gradient(135deg,rgba(214,140,98,.16),rgba(214,140,98,.05));border:1px solid rgba(214,140,98,.3);border-radius:16px;padding:14px 16px}
.callout span{color:#E9D3C4;font-size:13.5px}
.callout b{font:800 24px var(--head);color:var(--copper-xl);font-variant-numeric:tabular-nums;white-space:nowrap}
hr.div{border:0;border-top:1px solid var(--line);margin:22px 0}
.cmp{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.cmp .field{border:0;padding:0}
.cmp .num{min-width:0}
.cmp-out{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:14px}
@media (max-width:420px){.cmp-out{grid-template-columns:1fr 1fr}.cmp-out .stat:last-child{grid-column:1/-1}}
.good{color:#9FD7C4}
.meter{margin-top:14px}
.meter .row{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);margin-bottom:6px}
.meter .track{height:10px;border-radius:10px;background:rgba(255,255,255,.08);position:relative;overflow:hidden}
.meter .fill{position:absolute;left:0;top:0;bottom:0;border-radius:10px;background:linear-gradient(90deg,var(--c5),var(--copper-l));transition:width .6s cubic-bezier(.2,.8,.2,1)}
.meter .mark{position:absolute;top:0;bottom:0;width:2px;background:#fff;opacity:.8}
.big-price{font:800 clamp(36px,7vw,48px)/1.05 var(--head);letter-spacing:-.02em;margin:4px 0;font-variant-numeric:tabular-nums}
section.amort{margin-top:18px}
.chart-wrap{position:relative;margin-top:8px;touch-action:pan-y}
.chart{width:100%;height:auto;display:block;overflow:visible}
.chart text{fill:var(--soft);font:500 11px var(--body)}
.chart .grid-l{stroke:rgba(255,255,255,.07)}
.tip{position:absolute;pointer-events:none;background:var(--navy-3);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:8px 10px;font-size:12.5px;white-space:nowrap;transform:translate(-50%,-112%);opacity:0;transition:opacity .15s;box-shadow:var(--shadow)}
.key{display:flex;gap:16px;flex-wrap:wrap;font-size:13px;color:var(--muted);margin-top:6px}
.key i{display:inline-block;width:12px;height:4px;border-radius:2px;margin-right:6px;vertical-align:middle}
details.tbl{margin-top:16px;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:rgba(21,28,36,.4)}
details.tbl summary{cursor:pointer;list-style:none;padding:14px 16px;font-weight:600;display:flex;justify-content:space-between;align-items:center}
details.tbl summary::-webkit-details-marker{display:none}
details.tbl summary svg{transition:transform .25s;width:18px;height:18px}
details.tbl[open] summary svg{transform:rotate(180deg)}
.tbl-scroll{max-height:420px;overflow:auto;border-top:1px solid var(--line)}
table{width:100%;border-collapse:collapse;font-size:13.5px;font-variant-numeric:tabular-nums}
th,td{padding:9px 14px;text-align:right;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
td small{color:var(--soft)}
th{position:sticky;top:0;background:#1E2833;color:var(--muted);font-weight:600;font-size:12px;text-transform:uppercase;letter-spacing:.05em}
.contact{margin-top:18px;display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center}
.contact .ph{width:120px;height:120px;border-radius:50%;background:radial-gradient(circle at 50% 75%,rgba(214,140,98,.6),rgba(139,74,43,.35) 55%,#2C3947 75%);overflow:hidden;display:flex;align-items:flex-start;justify-content:center;border:2px solid rgba(214,140,98,.45)}
.contact .ph img{width:112%;max-width:none;height:auto;margin-top:6%}
.contact h2{font-size:22px}
.cta-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-top:14px}
@media (max-width:760px){.contact{grid-template-columns:1fr}.contact .ph{width:96px;height:96px}.cta-grid{grid-template-columns:1fr 1fr}}
footer{margin:26px 0 0;padding:26px 0 120px;border-top:1px solid var(--line);color:var(--soft);font-size:12.5px}
footer .row{display:flex;gap:18px;align-items:flex-start;justify-content:space-between;flex-wrap:wrap}
footer .disc{max-width:760px;margin:0 0 8px}
footer .brand{color:var(--muted);font-weight:600;margin:10px 0 0}
.eho{display:flex;align-items:center;gap:10px;color:var(--muted);font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.06em}
.eho svg{width:42px;height:42px}
@media (min-width:980px){footer{padding-bottom:40px}}
.mbar{position:fixed;left:10px;right:10px;bottom:calc(10px + env(safe-area-inset-bottom));z-index:40;display:flex;align-items:center;justify-content:space-between;gap:10px;padding:10px 10px 10px 16px;border-radius:18px;background:rgba(21,28,36,.9);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.12);box-shadow:0 20px 40px -10px rgba(0,0,0,.6);transform:translateY(160%);transition:transform .4s cubic-bezier(.2,.8,.2,1)}
.mbar.show{transform:none}
.mbar span{display:block;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.mbar b{font:800 22px var(--head);font-variant-numeric:tabular-nums}
.mbar .btn{flex:0 0 auto;height:44px}
@media (min-width:980px){.mbar{display:none}}
.toast{position:fixed;left:50%;top:78px;transform:translate(-50%,-20px);opacity:0;z-index:60;background:#fff;color:var(--navy);font-weight:600;padding:10px 16px;border-radius:999px;box-shadow:var(--shadow);transition:all .3s;pointer-events:none;font-size:14px}
.toast.show{opacity:1;transform:translate(-50%,0)}
.js .reveal{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.8,.2,1)}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.js .reveal{opacity:1;transform:none}}
@media print{header.top,.mbar,.actions,.cta-grid,.tabs{display:none}}
@media (max-width:480px){.legend .pc{display:none}.legend li{grid-template-columns:10px 1fr auto}}

.btn{white-space:nowrap}
@media (max-width:760px){.cta-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}.cta-grid .btn.primary,.cta-grid .btn.web{grid-column:1/-1}}
.chart text{font-size:11.5px}
.yr b{font-size:clamp(17px,4.8vw,22px);white-space:nowrap}.yr b small{font:600 12px var(--body);color:var(--muted);margin-left:2px}
@media (max-width:400px){.yrs{gap:8px}.yr{padding:12px 10px 14px}}