@import url("https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700;9..144,900&family=Manrope:wght@400;500;600;700;800&display=swap");:root{--navy:#0a2540;--navy-deep:#06192c;--ink:#16131a;--ink-soft:#4a444f;--gold:#c9a35c;--gold-deep:#a8823c;--cream:#fbf7f2;--white:#fff;--line:#efe7dc;--shadow:0 10px 40px rgba(10,37,64,.1);--display:"Fraunces",serif;--body:"Manrope",sans-serif;--maxw:1080px}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--body);color:var(--ink);background:var(--cream);line-height:1.55;-webkit-font-smoothing:antialiased}a{text-decoration:none;color:inherit}.t-wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}.t-topbar{position:sticky;top:0;z-index:50;background:hsla(0,0%,100%,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}.t-topbar .in{max-width:var(--maxw);margin:0 auto;padding:13px 22px;display:flex;align-items:center;justify-content:space-between}.t-topbar .brand{font-family:var(--display);font-weight:700;font-size:18px;letter-spacing:-.3px}.t-topbar nav{display:none;gap:26px;font-size:14px;font-weight:600}.t-topbar nav a:hover{color:var(--navy)}.t-topbar .callbtn{background:var(--navy);color:#fff;font-weight:700;font-size:13.5px;padding:10px 18px;border-radius:40px}@media(min-width:768px){.t-topbar nav{display:flex}}.t-hero{background:linear-gradient(155deg,var(--navy) 0,var(--navy-deep) 100%);color:#fff;padding:clamp(34px,5vw,56px) 0 clamp(40px,6vw,64px)}.t-hero .eyebrow{color:var(--gold);letter-spacing:2.5px;text-transform:uppercase;font-size:11px;font-weight:800;margin-bottom:10px}.t-hero h1{font-family:var(--display);font-weight:700;font-size:clamp(28px,5vw,46px);line-height:1.06;letter-spacing:-1px;margin-bottom:12px;max-width:760px}.t-hero p{font-size:clamp(15px,2vw,18px);opacity:.86;max-width:620px}.t-body{padding:clamp(28px,4vw,48px) 0 64px}.calc{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}@media(max-width:820px){.calc{grid-template-columns:1fr;gap:18px}}.calc-controls{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;display:flex;flex-direction:column;gap:22px;box-shadow:var(--shadow)}.calc-controls .ttl{font-family:var(--display);font-weight:700;font-size:20px;color:var(--navy);margin-bottom:2px}.field-row label{display:flex;justify-content:space-between;align-items:baseline;font-size:13px;font-weight:700;color:var(--ink-soft);margin-bottom:10px;gap:10px}.field-row label b{color:var(--navy);font-size:16px;font-family:var(--display);white-space:nowrap}.field-row input[type=range]{width:100%;accent-color:var(--gold);cursor:pointer;height:6px}.field-row .num{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:11px;font-size:15px;font-family:var(--body);background:var(--cream);color:var(--ink);font-weight:600}.field-row .num:focus{outline:none;border-color:var(--gold);background:#fff}.field-hint{font-size:11.5px;color:var(--ink-soft);margin-top:7px}.seg{display:flex;background:var(--cream);border:1.5px solid var(--line);border-radius:11px;padding:4px;gap:4px}.seg button{flex:1;border:none;background:none;padding:10px 8px;border-radius:8px;font-family:var(--body);font-weight:700;font-size:13.5px;color:var(--ink-soft);cursor:pointer;transition:all .15s}.seg button.on{background:var(--navy);color:#fff}.calc-result{background:linear-gradient(150deg,var(--navy),var(--navy-deep));color:#fff;border-radius:18px;padding:28px;display:flex;flex-direction:column;box-shadow:var(--shadow);position:sticky;top:84px}@media(max-width:820px){.calc-result{position:static}}.res-main{display:flex;flex-direction:column;align-items:center;text-align:center;padding-bottom:20px;border-bottom:1px solid hsla(0,0%,100%,.16);margin-bottom:20px}.res-label{font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold);font-weight:800}.res-value{font-family:var(--display);font-size:clamp(32px,6vw,48px);font-weight:700;margin-top:8px;line-height:1}.res-sub{font-size:13px;opacity:.7;margin-top:8px}.res-rows{display:flex;flex-direction:column;gap:13px}.res-rows .r{display:flex;justify-content:space-between;align-items:center;font-size:14.5px}.res-rows .r span{color:hsla(0,0%,100%,.72)}.res-rows .r b{font-weight:700;font-variant-numeric:tabular-nums}.res-rows .r.total{border-top:1px dashed hsla(0,0%,100%,.22);padding-top:13px;margin-top:3px;font-size:16px}.res-rows .r.total b{color:var(--gold);font-family:var(--display);font-size:19px}.res-note{font-size:11px;color:hsla(0,0%,100%,.55);margin-top:18px;line-height:1.5}.split-bar{display:flex;height:12px;border-radius:8px;overflow:hidden;margin:18px 0 6px}.split-bar i{display:block;height:100%}.split-legend{display:flex;gap:16px;flex-wrap:wrap;font-size:12px;margin-top:6px}.split-legend span{display:inline-flex;align-items:center;gap:6px;color:hsla(0,0%,100%,.8)}.split-legend i{width:10px;height:10px;border-radius:3px;display:inline-block}.amort{margin-top:26px;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--shadow)}.amort h3{font-family:var(--display);font-weight:700;font-size:18px;color:var(--navy);padding:18px 20px 0}.amort .scroll{overflow-x:auto;padding:14px 20px 20px}.amort table{width:100%;border-collapse:collapse;font-size:13px;min-width:460px}.amort th{text-align:right;padding:10px 12px;font-weight:800;color:#fff;background:var(--navy);font-size:11.5px;letter-spacing:.4px;text-transform:uppercase;white-space:nowrap}.amort td:first-child,.amort th:first-child{text-align:left}.amort td{text-align:right;padding:10px 12px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums;color:var(--ink-soft)}.amort tr:last-child td{border-bottom:none}.amort tr:nth-child(2n) td{background:var(--cream)}.explain{margin-top:46px;max-width:760px}.explain h2{font-family:var(--display);font-weight:700;font-size:clamp(22px,3.5vw,30px);color:var(--navy);letter-spacing:-.5px;margin-bottom:14px}.explain p{font-size:15px;color:var(--ink-soft);margin-bottom:14px}.explain h3{font-family:var(--display);font-weight:700;font-size:18px;color:var(--ink);margin:22px 0 8px}.faq-q{font-weight:700;color:var(--navy);font-size:15.5px;margin:18px 0 5px}.faq-a{font-size:14.5px;color:var(--ink-soft)}.t-cta{margin-top:40px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:16px;padding:26px 28px;box-shadow:var(--shadow);display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between}.t-cta .copy h3{font-family:var(--display);font-weight:700;font-size:20px;color:var(--navy);margin-bottom:4px}.t-cta .copy p{font-size:14px;color:var(--ink-soft)}.t-cta .acts{display:flex;gap:12px;flex-wrap:wrap}.t-cta a{font-weight:800;font-size:14.5px;padding:13px 22px;border-radius:12px}.t-cta a.call{background:var(--navy);color:#fff}.t-cta a.wa{background:#25d366;color:#fff}.tool-links{margin-top:40px}.tool-links .eyebrow{color:var(--gold);letter-spacing:2.5px;text-transform:uppercase;font-size:11px;font-weight:800;margin-bottom:14px;text-align:center}.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}@media(max-width:820px){.tool-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:480px){.tool-grid{grid-template-columns:1fr}}.tool-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;transition:transform .2s,box-shadow .2s;display:block}.tool-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.tool-card.cur{border-color:var(--gold);background:#fcfaf5}.tool-card .tc-ic{font-size:22px;color:var(--gold);margin-bottom:9px}.tool-card .tc-t{font-family:var(--display);font-weight:700;font-size:15.5px;color:var(--navy);line-height:1.15;margin-bottom:4px}.tool-card .tc-d{font-size:12.5px;color:var(--ink-soft)}.t-footer{background:var(--ink);color:hsla(0,0%,100%,.6);padding:34px 0;font-size:12px;line-height:1.6;margin-top:54px}.t-footer b{color:#fff}.t-footer .disc{margin-top:12px;opacity:.85}