:root{
  --primary:#1e3a8a;
  --primary-dark:#172d6e;
  --accent:#16a34a;
  --accent-dark:#15803d;
  --bg:#f5f7fb;
  --card:#ffffff;
  --text:#1f2937;
  --muted:#6b7280;
  --border:#e5e7eb;
  --radius:14px;
  --shadow:0 2px 8px rgba(16,24,40,.06),0 1px 2px rgba(16,24,40,.04);
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg);color:var(--text);line-height:1.55;font-size:16px;
}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:0 16px}

/* ---------- Header ---------- */
header.site{background:var(--primary);color:#fff;position:sticky;top:0;z-index:50;box-shadow:var(--shadow)}
header.site .bar{display:flex;align-items:center;justify-content:space-between;height:60px}
header.site a.logo{color:#fff;font-weight:800;font-size:20px;letter-spacing:.3px;text-decoration:none}
header.site a.logo span{color:#7dd3fc}
header.site nav a{color:#dbeafe;margin-left:18px;font-size:14px;font-weight:600}
header.site nav a:hover{color:#fff;text-decoration:none}
.menu-toggle{display:none;background:none;border:0;color:#fff;font-size:24px;cursor:pointer}
@media(max-width:760px){
  header.site nav{display:none;position:absolute;top:60px;left:0;right:0;background:var(--primary-dark);padding:10px 16px;flex-direction:column}
  header.site nav.open{display:flex}
  header.site nav a{margin:8px 0}
  .menu-toggle{display:block}
}

/* ---------- Footer ---------- */
footer.site{background:#0f172a;color:#cbd5e1;margin-top:48px;padding:32px 0 24px;font-size:14px}
footer.site .cols{display:flex;flex-wrap:wrap;gap:32px;justify-content:space-between}
footer.site h4{color:#fff;margin:0 0 10px;font-size:15px}
footer.site a{color:#cbd5e1;display:block;margin:4px 0}
footer.site .disc{margin-top:24px;border-top:1px solid #1e293b;padding-top:16px;color:#94a3b8;font-size:12.5px}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(135deg,var(--primary),#2563eb);color:#fff;padding:48px 0 56px;text-align:center}
.hero h1{font-size:34px;margin:0 0 12px;font-weight:800}
.hero p{font-size:17px;max-width:640px;margin:0 auto;color:#dbeafe}
.searchbox{margin:24px auto 0;max-width:480px}
.searchbox input{width:100%;padding:14px 16px;border-radius:10px;border:0;font-size:16px;box-shadow:var(--shadow)}

/* ---------- Cards grid ---------- */
.section-title{font-size:22px;margin:32px 0 14px;font-weight:700}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow);transition:transform .12s,box-shadow .12s;display:block}
a.card:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(16,24,40,.10);text-decoration:none}
.card .ico{font-size:24px}
.card h3{margin:8px 0 4px;font-size:16px;color:var(--text)}
.card p{margin:0;color:var(--muted);font-size:13.5px}
.card.soon{opacity:.55;cursor:not-allowed}
.badge{display:inline-block;background:#fee2e2;color:#b91c1c;font-size:11px;font-weight:700;padding:2px 8px;border-radius:999px;margin-left:6px;vertical-align:middle}
.badge.live{background:#dcfce7;color:#15803d}

/* ---------- Breadcrumb ---------- */
.crumb{font-size:13px;color:var(--muted);margin:18px 0 6px}
.crumb a{color:var(--muted)}

/* ---------- Tool layout ---------- */
main{padding-bottom:8px}
h1.tool{font-size:28px;margin:6px 0 6px}
.lead-intro{color:var(--muted);max-width:760px;margin:0 0 22px}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}
@media(max-width:840px){.calc{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.field{margin-bottom:20px}
.field label{display:flex;justify-content:space-between;font-weight:600;font-size:14px;margin-bottom:8px}
.field .val{color:var(--primary);font-weight:700}
.field input[type=range]{width:100%;accent-color:var(--primary);height:5px}
.field .num{width:100%;padding:9px 12px;border:1px solid var(--border);border-radius:8px;font-size:15px;margin-top:8px}
.field .num:focus{outline:2px solid var(--primary);border-color:var(--primary)}
.toggle-row{display:flex;gap:8px;margin-bottom:16px}
.toggle-row button{flex:1;padding:9px;border:1px solid var(--border);background:#fff;border-radius:8px;font-weight:600;cursor:pointer;font-size:13.5px}
.toggle-row button.active{background:var(--primary);color:#fff;border-color:var(--primary)}

/* results */
.result-cards{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.result-cards .big{grid-column:1/-1}
.rc{background:#f8fafc;border:1px solid var(--border);border-radius:10px;padding:14px}
.rc .lbl{font-size:12.5px;color:var(--muted);font-weight:600}
.rc .amt{font-size:22px;font-weight:800;color:var(--text);margin-top:2px}
.rc.big .amt{font-size:30px;color:var(--primary)}
.rc.green .amt{color:var(--accent)}
.chart-wrap{position:relative;margin-top:8px}
canvas{max-width:100%}

/* amortization table */
details.amort{margin-top:20px;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
details.amort summary{padding:14px 18px;font-weight:700;cursor:pointer;background:#f8fafc}
.table-scroll{overflow-x:auto;max-height:360px}
table{width:100%;border-collapse:collapse;font-size:13.5px}
th,td{padding:9px 12px;text-align:right;border-bottom:1px solid var(--border)}
th:first-child,td:first-child{text-align:left}
thead th{background:#eef2ff;position:sticky;top:0;color:var(--primary);font-size:12.5px}

/* lead CTA */
.cta{margin-top:26px;background:linear-gradient(135deg,#ecfdf5,#f0fdf4);border:1px solid #bbf7d0;border-radius:var(--radius);padding:24px}
.cta h3{margin:0 0 6px;font-size:20px}
.cta p{margin:0 0 14px;color:#15803d}
.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:560px){.lead-form{grid-template-columns:1fr}}
.lead-form input{padding:11px 12px;border:1px solid var(--border);border-radius:8px;font-size:15px;background:#fff}
.lead-form .full{grid-column:1/-1}
.lead-form .consent{display:flex;gap:8px;align-items:flex-start;font-size:13px;color:var(--muted)}
.btn{background:var(--accent);color:#fff;border:0;padding:13px;border-radius:8px;font-size:16px;font-weight:700;cursor:pointer;width:100%}
.btn:hover{background:var(--accent-dark)}
.thanks{display:none;text-align:center;padding:14px;color:var(--accent-dark);font-weight:700}
.offers{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:18px}
@media(max-width:560px){.offers{grid-template-columns:1fr}}
.offer{background:#fff;border:1px solid var(--border);border-radius:10px;padding:14px;text-align:center}
.offer .bank{font-weight:700}
.offer .rate{color:var(--accent);font-weight:700;font-size:18px;margin:4px 0}
.offer a{display:inline-block;margin-top:6px;background:var(--primary);color:#fff;padding:7px 16px;border-radius:6px;font-size:13px}
.offer a:hover{text-decoration:none;background:var(--primary-dark)}

/* ad slot */
.ad{margin:26px 0;min-height:110px;border:1px dashed #cbd5e1;border-radius:10px;display:flex;align-items:center;justify-content:center;color:#94a3b8;font-size:13px;background:#fafafa}

/* FAQ + related */
.faq{margin-top:30px}
.faq h2{font-size:22px}
.faq details{background:var(--card);border:1px solid var(--border);border-radius:10px;margin-bottom:10px}
.faq summary{padding:14px 16px;font-weight:600;cursor:pointer}
.faq details p{padding:0 16px 14px;margin:0;color:var(--muted)}
.related{margin-top:28px}
.related a{display:inline-block;background:#eef2ff;color:var(--primary);padding:8px 14px;border-radius:999px;margin:4px 6px 4px 0;font-size:14px;font-weight:600}
.note{font-size:12.5px;color:var(--muted);margin-top:8px}

/* download / excel button */
.dl-btn{background:var(--accent);color:#fff;border:0;padding:8px 14px;border-radius:8px;font-weight:600;cursor:pointer;font-size:13.5px;margin:14px 0 4px}
.dl-btn:hover{background:var(--accent-dark)}
.field select{width:100%;padding:10px 12px;border:1px solid var(--border);border-radius:8px;font-size:15px;background:#fff;margin-top:4px}
.field input[type=date]{width:100%;padding:9px 12px;border:1px solid var(--border);border-radius:8px;font-size:15px;margin-top:4px}
.field input[type=text]{width:100%;padding:9px 12px;border:1px solid var(--border);border-radius:8px;font-size:15px;margin-top:4px}
.out-note{font-size:13px;color:var(--muted);margin-top:10px}
.rc.amt-text .amt{font-size:18px}

/* article / blog */
.article{max-width:760px;margin:0 auto}
.article h2{font-size:24px;margin:30px 0 10px}
.article h3{font-size:19px;margin:22px 0 8px}
.article p{margin:0 0 14px;font-size:16.5px;line-height:1.7}
.article ul,.article ol{margin:0 0 16px;padding-left:22px}
.article li{margin:6px 0;line-height:1.6}
.article .toolcta{background:linear-gradient(135deg,#eff6ff,#eef2ff);border:1px solid #bfdbfe;border-radius:var(--radius);padding:20px;margin:24px 0;text-align:center}
.article .toolcta a{display:inline-block;background:var(--primary);color:#fff;padding:11px 22px;border-radius:8px;font-weight:700;margin-top:8px}
.article .toolcta a:hover{background:var(--primary-dark);text-decoration:none}
.article table{margin:14px 0}
.article .keytable th,.article .keytable td{border:1px solid var(--border);text-align:left;padding:9px 12px}
.meta{color:var(--muted);font-size:13.5px;margin-bottom:18px}

/* ===== Landing page ===== */
.hero .pop-chips{margin-top:16px}
.hero .pop-chips a{display:inline-block;background:rgba(255,255,255,.15);color:#fff;padding:6px 14px;border-radius:999px;margin:4px;font-size:13.5px;font-weight:600}
.hero .pop-chips a:hover{background:rgba(255,255,255,.28);text-decoration:none}
.hero .pop-chips span{color:#bfdbfe;font-size:13px;margin-right:4px}
.trustbar{background:#0f172a;color:#cbd5e1}
.trustbar .row{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 28px;padding:14px 16px;font-size:14px;font-weight:600}
.trustbar .row span{display:inline-flex;align-items:center;gap:7px}
.trustbar b{color:#7dd3fc}
.features{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:30px 0}
@media(max-width:820px){.features{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.features{grid-template-columns:1fr}}
.feature{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.feature .fico{font-size:28px}
.feature h3{margin:10px 0 6px;font-size:17px}
.feature p{margin:0;color:var(--muted);font-size:14px}
.band{background:linear-gradient(135deg,var(--primary),#2563eb);color:#fff;border-radius:18px;padding:34px;margin:38px 0;text-align:center}
.band h2{margin:0 0 8px;font-size:26px;color:#fff}
.band p{margin:0 0 18px;color:#dbeafe}
.subscribe{display:flex;gap:10px;max-width:460px;margin:0 auto;flex-wrap:wrap;justify-content:center}
.subscribe input{flex:1;min-width:200px;padding:13px 16px;border:0;border-radius:10px;font-size:15px}
.subscribe button{background:var(--accent);color:#fff;border:0;padding:13px 22px;border-radius:10px;font-weight:700;cursor:pointer;font-size:15px}
.subscribe button:hover{background:var(--accent-dark)}
.band .sub-note{font-size:12.5px;color:#bfdbfe;margin-top:10px}
.band .thanks2{display:none;font-weight:700;font-size:17px;margin-top:6px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0}
@media(max-width:700px){.steps{grid-template-columns:1fr}}
.step{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}
.step .n{width:34px;height:34px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;margin-bottom:10px}
.step h3{margin:0 0 4px;font-size:16px}.step p{margin:0;color:var(--muted);font-size:14px}
.bookmark-tip{background:#fffbeb;border:1px solid #fde68a;border-radius:10px;padding:12px 16px;font-size:14px;color:#92400e;margin:20px 0}