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0%,#fff9 50%,#0000 100%);width:100%;max-width:150px;height:1px;margin:0 auto 25px}.faq-item{backdrop-filter:blur(10px);background:#0f0f2399;border:1px solid #ffffff14;border-radius:10px;margin-bottom:8px}.faq-item summary{cursor:pointer;color:#fff;justify-content:space-between;align-items:center;padding:14px 18px;font-size:.9rem;font-weight:600;list-style:none;display:flex}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:#00f3ff;font-size:1.1rem;font-weight:300}.faq-item[open] summary{border-bottom:1px solid #ffffff14}.faq-item p,.faq-item ul{color:#9ca3af;margin:0;padding:14px 18px;font-size:.9rem;line-height:1.6}.faq-item li{margin-bottom:6px}@media (width<=1100px){.calculator-dashboard{grid-template-columns:minmax(0,1fr);overflow:hidden}.controls-panel{flex-flow:wrap;max-height:none;position:static}.controls-panel>.card{flex:300px}.comparison-columns{grid-template-columns:1fr 1fr}.verdict-column{grid-column:1/-1}.goal-layout{grid-template-columns:minmax(0,1fr);overflow:hidden}.goal-inputs{position:static}}@media (width<=768px){.main-container{padding:15px 12px 30px}.page-title{font-size:1.6rem}.hero-metrics-row{grid-template-columns:minmax(0,1fr);overflow:hidden}.hero-metric-value{font-size:1.4rem}.key-metrics-bar{flex-direction:column;gap:12px;padding:14px}.key-metric-item:not(:last-child):after{display:none}.key-metric-item{border-bottom:1px solid #ffffff0f;flex-direction:row;justify-content:space-between;width:100%;padding-bottom:12px}.key-metric-item:last-child{border-bottom:none;padding-bottom:0}.chart-container{height:280px}.input-row,.comparison-columns{grid-template-columns:minmax(0,1fr);overflow:hidden}.payoff-timeline{flex-direction:column;gap:10px}.timeline-arrow{transform:rotate(90deg)}.summary-metrics-row{flex-direction:column;gap:8px}.goal-breakdown{grid-template-columns:minmax(0,1fr);overflow:hidden}.goal-payment{font-size:2.2rem}}@media (width<=480px){.mode-toggle{flex-direction:column;width:100%}.mode-btn{padding:10px;font-size:.8rem}.chart-tabs{flex-wrap:wrap}.chart-tab{flex:calc(50% - 4px)}.amortization-controls{flex-direction:column;gap:8px}.view-toggle,.export-btn{justify-content:center;width:100%}}input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}input[type=number]{-moz-appearance:textfield}.compare-metrics-bar{backdrop-filter:blur(12px);background:#0f0f23cc;border:1px solid #ffffff14;border-radius:12px;grid-template-columns:1fr auto 1fr;gap:0;padding:16px 20px;display:none}.compare-metrics-bar.visible{display:grid}.compare-col{flex-direction:column;gap:10px;padding:0 16px;display:flex}.compare-col-label{text-transform:uppercase;letter-spacing:1px;text-align:center;border-bottom:1px solid #ffffff14;margin-bottom:2px;padding-bottom:6px;font-size:.65rem;font-weight:700}.compare-col-label.loan-a{color:#00f3ff}.compare-col-label.loan-b{color:#22c55e}.compare-col .stat-row{justify-content:space-between;align-items:center;gap:8px;display:flex}.compare-col .stat-label{color:#6b7280;font-size:.7rem}.compare-col .stat-value{font-variant-numeric:tabular-nums;color:#fff;font-family:Inter,sans-serif;font-size:.95rem;font-weight:600}.compare-divider{background:#ffffff1f;width:1px;margin:0}.verdict-details{border-top:1px solid #ffffff14;flex-wrap:wrap;gap:8px;margin-top:8px;padding-top:8px;display:flex}.verdict-chip{color:#9ca3af;font-variant-numeric:tabular-nums;background:#00000040;border-radius:20px;align-items:center;gap:4px;padding:4px 10px;font-family:Inter,sans-serif;font-size:.7rem;display:inline-flex}.verdict-chip strong{color:#fff;font-weight:600}.compare-warning-badge{color:#fbbf24;background:#fbbf2414;border:1px solid #fbbf2433;border-radius:8px;align-items:center;gap:8px;padding:10px 14px;font-size:.78rem;display:none}.compare-warning-badge.visible{display:flex}.goal-micro-summary{color:#d1fae5;background:#22c55e14;border:1px solid #22c55e33;border-radius:8px;align-items:center;gap:8px;margin-top:12px;padding:10px;font-size:.78rem;display:none}.goal-micro-summary.visible{display:flex}.goal-micro-summary strong{color:#22c55e}.goal-hint.hidden{display:none!important}@keyframes flash-red{0%{border-color:#ef4444cc;box-shadow:0 0 0 3px #ef444440}to{box-shadow:none;border-color:#ffffff1a}}.accordion-header{cursor:pointer}.accordion-toggle{font-size:20px;transition:transform .3s}.accordion-section.active .accordion-toggle{transform:rotate(180deg)}.normalize-toggle-container{color:#9ca3af;align-items:center;gap:8px;margin-bottom:12px;font-size:.75rem;display:flex}.info-icon{cursor:help;opacity:.6;border:1px solid;border-radius:50%;justify-content:center;align-items:center;width:14px;height:14px;margin-left:4px;font-size:10px;display:inline-flex}.efficiency-metric{color:#9ca3af;margin-top:4px;font-size:.75rem;font-style:italic}.amort-row-suppressed{display:none!important}.sidebar-summary-chip{color:#9ca3af;background:#0003;border:1px solid #ffffff0f;border-radius:8px;align-items:center;gap:8px;margin-top:8px;padding:8px 12px;font-size:.72rem;display:flex}.sidebar-summary-chip .chip-label{color:#00f3ff;font-weight:600}.sidebar-reset-link{text-align:center;color:#6b7280;cursor:pointer;background:0 0;border:none;width:100%;margin-top:10px;padding:6px;font-family:Inter,sans-serif;font-size:.72rem;transition:color .2s;display:block}.sidebar-reset-link:hover{color:#9ca3af}@media (width<=768px){.compare-metrics-bar{grid-template-columns:minmax(0,1fr);gap:12px;overflow:hidden}.compare-divider{width:100%;height:1px}}:root{--accent-emerald:#10b981;--accent-light:#10b9811a;--bg-card-final:#1e293bb3;--border-light-final:#ffffff1a;--text-primary-final:#fff;--text-secondary-final:#94a3b8;--text-muted-final:#64748b}.how-it-works-final{max-width:1200px;margin:40px auto 10px;padding:0 20px}.how-it-works-final .professional-header{text-align:center;letter-spacing:5px;color:var(--accent-emerald);text-transform:uppercase;margin-bottom:12px;font-size:1rem;font-weight:900}.header-divider{background:var(--accent-emerald);border-radius:2px;width:60px;height:3px;margin:0 auto 30px}.onboarding-grid-final{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.onboarding-card-final{background:var(--bg-card-final);border:1px solid var(--border-light-final);border-radius:12px;padding:30px;transition:all .4s cubic-bezier(.16,1,.3,1);position:relative;overflow:hidden}.onboarding-card-final:hover{border-color:var(--accent-emerald);background:var(--accent-light);transform:translateY(-8px)}.step-indicator{color:var(--accent-light);font-family:Inter,sans-serif;font-size:3rem;font-weight:900;line-height:1;position:absolute;top:10px;right:20px}.card-title-final{color:var(--text-primary-final);margin-bottom:12px;font-size:1.1rem;font-weight:700;position:relative}.card-body-final{color:var(--text-secondary-final);margin:0;font-size:.85rem;line-height:1.6}.faq-section{margin:10px auto 60px;padding-top:10px;padding-left:1.5rem;padding-right:1.5rem;background:0 0!important;border:none!important;max-width:900px!important}.faq-header{text-transform:uppercase;letter-spacing:5px;text-align:center;color:var(--text-primary-final);font-weight:900;font-size:1rem!important}.faq-divider{background:var(--accent-emerald);width:40px;height:3px;margin:15px auto 40px}.faq-item{overflow:hidden;background:var(--bg-card-final)!important;border:1px solid var(--border-light-final)!important;border-radius:8px!important;margin-bottom:12px!important;padding-bottom:0!important}.faq-item summary{cursor:pointer;justify-content:space-between;align-items:center;list-style:none;transition:color .3s;display:flex;color:var(--text-primary-final)!important;background:0 0!important;border:none!important;padding:16px 20px!important;font-size:.9rem!important}.faq-item summary:after{content:"+";color:var(--text-muted-final);font-size:1.25rem;font-weight:400;transition:transform .2s}.faq-item[open] summary:after{content:"-"}.faq-item summary:hover{color:var(--accent-emerald)!important}.faq-item p{line-height:1.6;color:var(--text-secondary-final)!important;background:0 0!important;border:none!important;margin:0!important;padding:0 20px 20px!important;font-size:.85rem!important}details[open].faq-item{border-color:var(--accent-emerald)!important;background:var(--accent-light)!important}@media (width<=900px){.onboarding-grid-final{grid-template-columns:minmax(0,1fr);overflow:hidden}}[data-theme=light]{--accent-emerald:#059669;--accent-light:#0596691a;--bg-card-final:#ffffffd9;--text-primary-final:#0f172a;--text-secondary-final:#334155;--text-muted-final:#475569}[data-theme=light] body{color:#0f172a;background-color:#f1f5f9;background-image:none}[data-theme=light] input,[data-theme=light] select{color-scheme:light}[data-theme=light] .page-title{background:linear-gradient(135deg,#0f172a 20%,#334155 50%,#0f172a 80%);filter:none;text-shadow:none;-webkit-background-clip:text}[data-theme=light] .section-desc{color:#475569}[data-theme=light] .mode-btn{color:#334155;background:#0000000a;border-color:#0000001a}[data-theme=light] .mode-btn:hover{background:#0000000f}[data-theme=light] .mode-btn.active{color:#0f172a;background:linear-gradient(135deg,#0e749026,#7c3aed1f);border-color:#00000026;box-shadow:0 0}[data-theme=light] .calculator-dashboard{background:#fff;border-color:#00000014;box-shadow:0 2px 8px #00000014}[data-theme=light] .controls-panel{background:#f0f4f9;border-right-color:#0000001a}[data-theme=light] .controls-panel::-webkit-scrollbar-thumb{background:#00000026}[data-theme=light] .card,[data-theme=light] .glass-card,[data-theme=light] .compact-card{background:#fff;border-color:#00000014}[data-theme=light] .glass-card:hover{border-color:#00000026}[data-theme=light] .accordion-section{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .accordion-header{color:#0f172a}[data-theme=light] .accordion-toggle{color:#475569}[data-theme=light] .card-header{border-bottom-color:#00000014}[data-theme=light] .header-text{color:#0f172a}[data-theme=light] .header-icon{color:#0e7490}[data-theme=light] .optional-badge{color:#475569;background:#0000000a;border-color:#00000014}[data-theme=light] label{color:#334155}[data-theme=light] .glass-input{color:#0f172a;background:#e2e8f0;border-color:#0000001f}[data-theme=light] .glass-input:focus{background:#fff;border-color:#0e7490;box-shadow:0 0 0 3px #0e749026}[data-theme=light] .glass-input::placeholder{color:#64748b}[data-theme=light] .suffix,[data-theme=light] .prefix{color:#475569}[data-theme=light] .freq-btn{color:#334155;background:#0000000a;border-color:#0000001a}[data-theme=light] .freq-btn:hover{background:#0000000f}[data-theme=light] .freq-btn.active{color:#0e7490;background:#0e74901f;border-color:#0e7490}[data-theme=light] .frequency-hint{color:#475569}[data-theme=light] .loan-tab{color:#475569;background:#0000000a;border-color:#0000001a}[data-theme=light] .loan-tab:hover{background:#0000000f}[data-theme=light] .loan-tab.active{color:#0f172a}[data-theme=light] .loan-tab.active[data-loan=a]{background:#0e74901f;border-color:#0e7490}[data-theme=light] .loan-tab.active[data-loan=b]{background:#7c3aed1f;border-color:#7c3aed}[data-theme=light] .sidebar-loan-tab{color:#475569;background:#00000008;border-color:#00000014}[data-theme=light] .sidebar-loan-tab.active[data-loan=a]{color:#0f172a;background:#0e74901f;border-color:#0e7490}[data-theme=light] .sidebar-loan-tab.active[data-loan=b]{color:#0f172a;background:#7c3aed1f;border-color:#7c3aed}[data-theme=light] .sidebar-mode-btn{color:#334155;background:#0000000a;border-color:#0000001a}[data-theme=light] .sidebar-mode-btn.active{color:#0e7490;background:#0e74901f;border-color:#0e7490}[data-theme=light] .key-metrics-bar{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .key-metric-label{color:#475569}[data-theme=light] .key-metric-value{color:#0f172a}[data-theme=light] .key-metric-sub{color:#475569}[data-theme=light] .key-metric-item:not(:last-child):after{background:#00000014}[data-theme=light] .hero-metric-card{background:#fff;border-color:#00000014;box-shadow:0 2px 8px #0000000f}[data-theme=light] .hero-metric-card.primary{border-color:#0e7490}[data-theme=light] .hero-metric-label{color:#475569}[data-theme=light] .hero-metric-value{color:#0f172a}[data-theme=light] .hero-metric-sub{color:#475569}[data-theme=light] .savings-callout{background:#0596690f;border-color:#0596692e}[data-theme=light] .savings-text{color:#334155}[data-theme=light] .savings-text strong{color:#059669}[data-theme=light] .payoff-timeline{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .timeline-label{color:#475569}[data-theme=light] .timeline-value{color:#0f172a}[data-theme=light] .timeline-arrow{color:#475569}[data-theme=light] .chart-card,[data-theme=light] .chart-wrapper{background:#fff;border-color:#00000014}[data-theme=light] .tab-pill.active{color:#0e7490;background:#0e74901f;border-color:#0e7490}[data-theme=light] .schedule-table th{color:#0f172a;background:#edf2f9;border-color:#00000014}[data-theme=light] .schedule-table td{color:#334155;border-color:#0000000f}[data-theme=light] .stat-card{background:#fff;border-color:#00000014;box-shadow:0 2px 8px #0000000f}[data-theme=light] .stat-label{color:#475569}[data-theme=light] .stat-value{color:#0f172a}[data-theme=light] .formula-strip{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .formula-chip{color:#334155;background:#edf2f9;border-color:#0000001f}[data-theme=light] .alert-card{border-color:#0000001a}[data-theme=light] .action-btn{color:#334155;background:#edf2f9;border-color:#0000001f}[data-theme=light] .action-btn:hover{color:#0f172a;background:#e2eaf4}[data-theme=light] .compare-sidebar-chip{color:#334155;background:#edf2f9;border-color:#0000001f}[data-theme=light] .compare-winner{background:#0596690f;border-color:#0596692e}[data-theme=light] .compare-item{background:#fff;border-color:#00000014}[data-theme=light] .styled-slider{background:#00000014}[data-theme=light] .onboarding-card-final{background:#fff;border-color:#00000014;box-shadow:0 2px 8px #0000000f}[data-theme=light] .card-title-final{color:#0f172a}[data-theme=light] .card-body-final{color:#334155}[data-theme=light] .how-it-works-final .professional-header,[data-theme=light] .faq-header{color:#0f172a}[data-theme=light] .calc-page-footer{background:#f1f5f9f2;border-top:1px solid #00000014}[data-theme=light] .calc-page-footer,[data-theme=light] .footer-heading,[data-theme=light] .footer-bottom{color:#334155}[data-theme=light] .footer-link{color:#475569}[data-theme=light] .footer-link:hover{color:#0e7490}[data-theme=light] .faq-item{background:#fff!important;border-color:#00000014!important}[data-theme=light] .faq-item summary{color:#0f172a!important}[data-theme=light] .faq-item p,[data-theme=light] .faq-item div{color:#334155!important}[data-theme=light] details[open].faq-item{background:#0596690a!important;border-color:#059669!important}[data-theme=light] .compare-metrics-bar{background:#f0f4f9;border-color:#0000001a}[data-theme=light] .compare-col-label.loan-a{color:#0e7490}[data-theme=light] .compare-col-label.loan-b{color:#059669}[data-theme=light] .compare-col .stat-value{color:#0f172a}[data-theme=light] .compare-col-label{border-bottom-color:#00000014}[data-theme=light] .compare-divider{background:#0000001a}[data-theme=light] .sidebar-summary-chip{color:#475569;background:#edf2f9;border-color:#0000001a}[data-theme=light] .sidebar-summary-chip .chip-label{color:#0e7490}[data-theme=light] .verdict-chip{color:#475569;background:#edf2f9}[data-theme=light] .verdict-chip strong{color:#0f172a}[data-theme=light] .verdict-details{border-top-color:#00000014}[data-theme=light] .tab-pill{color:#334155;background:#edf2f9;border-color:#0000001a}[data-theme=light] .goal-micro-summary{color:#334155;background:#05966912;border-color:#0596692e}[data-theme=light] .goal-micro-summary strong{color:#059669}[data-theme=light] .compare-warning-badge{color:#a16207;background:#a1620712;border-color:#a1620733}[data-theme=light] .normalize-toggle-container{color:#475569}[data-theme=light] .efficiency-metric{color:#64748b}.outer-tabs{background:#ffffff0a;border-radius:14px;flex-wrap:wrap;gap:6px;width:fit-content;margin-bottom:24px;padding:5px;display:flex}.outer-tab-btn{color:var(--text-dim,#88a);cursor:pointer;background:0 0;border:none;border-radius:10px;padding:9px 20px;font-family:inherit;font-size:.85rem;font-weight:700;transition:all .2s}.outer-tab-btn.active{color:var(--cyan,#00f3ff);background:#00f3ff1a;box-shadow:0 2px 8px #0003}.tab-content{display:none}.tab-content.active{display:block}.tab-inner-wrap{max-width:1200px;margin:0 auto;padding:24px 0 48px}.tab-heading{color:var(--cyan,#00f3ff);letter-spacing:-.02em;margin-bottom:8px;font-size:1.5rem;font-weight:800}.tab-sub{color:var(--text-dim,#88a);margin-bottom:24px;font-size:.9rem}.scen-table{border-collapse:collapse;width:100%;margin-top:16px;font-size:.875rem}.scen-table th{text-align:left;text-transform:uppercase;letter-spacing:.8px;color:var(--text-muted,#666);padding:0 12px 10px;font-size:.7rem;font-weight:600}.scen-table td{color:var(--text-dim,#88a);border-top:1px solid #ffffff0f;padding:10px 12px}.scen-table td:first-child{color:#fff;font-weight:700}.proj-milestone-row{flex-wrap:wrap;gap:12px;margin-top:20px;display:flex}.proj-card{background:#ffffff0a;border:1px solid #ffffff14;border-radius:12px;min-width:150px;padding:14px 20px}.proj-card-label{text-transform:uppercase;letter-spacing:.8px;color:var(--text-muted,#666);margin-bottom:4px;font-size:.7rem}.proj-card-val{color:var(--cyan,#00f3ff);font-size:1.3rem;font-weight:800}[data-theme=light] .outer-tabs{background:#0000000a}[data-theme=light] .outer-tab-btn{color:#334155}[data-theme=light] .outer-tab-btn.active{color:#0e7490;background:#0e74901a}[data-theme=light] .tab-heading{color:#0e7490}[data-theme=light] .tab-sub{color:#475569}[data-theme=light] .scen-table td{color:#334155}[data-theme=light] .scen-table td:first-child{color:#0f172a}[data-theme=light] .scen-table th{color:#64748b}[data-theme=light] .scen-table td{border-top-color:#0000000f}[data-theme=light] .proj-card{background:#fff;border-color:#0000001a;box-shadow:0 1px 4px #0000000f}[data-theme=light] .proj-card-label{color:#64748b}[data-theme=light] .proj-card-val{color:#0e7490}[data-theme=light] .mode-toggle{background:#f0f4f9;border-color:#0000001a}