:root{--accent:#0ea5e9;--accent-dim:#0ea5e926;--accent-glow:#0ea5e940;--shadow-glow:0 0 20px #0ea5e926;--purple-dim:#a855f726;--blue-card:#3b82f6;--obsidian-card:#8b5cf6;--palladium-card:#a78bfa}*,:before,:after{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--calc-font-body);background:var(--calc-bg-page);color:var(--calc-text-primary);min-height:100vh;line-height:1.6}.glass-navbar .nav-link.active{color:var(--accent)}.main-container{max-width:1400px;margin:0 auto;padding:90px 1.5rem 2rem}.page-title{font-family:var(--calc-font-headline);text-align:center;background:linear-gradient(135deg, var(--accent), var(--calc-cyan));-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;margin-bottom:.25rem;font-size:2rem;font-weight:800}.conv-warn{color:var(--calc-gold);font-size:.75rem;font-family:var(--calc-font-mono);margin-left:6px}.section-desc{color:var(--calc-text-dim);margin-bottom:1.5rem;font-size:.95rem}.section-desc-sm{color:var(--calc-text-dim);margin-bottom:1rem;font-size:.85rem}.text-center{text-align:center}.tab-nav{border-bottom:1px solid var(--calc-border-default);-webkit-overflow-scrolling:touch;gap:6px;margin-bottom:1.25rem;padding-bottom:0;display:flex;overflow-x:auto}.tab-btn{color:var(--calc-text-dim);font-family:var(--calc-font-body);cursor:pointer;white-space:nowrap;background:0 0;border:none;border-bottom:2px solid #0000;flex-shrink:0;padding:10px 18px;font-size:.85rem;font-weight:600;transition:color .2s,border-color .2s}.tab-btn:hover{color:var(--calc-text-primary)}.tab-btn.active{color:var(--accent);border-bottom-color:var(--accent)}.tab-icon{margin-right:4px}.tab-pane{display:none}.tab-pane.active{display:block}.dashboard-grid{grid-template-columns:420px 1fr;align-items:start;gap:24px;display:grid}.dashboard-grid-single{max-width:960px;margin:0 auto}.card{background:var(--calc-bg-card);border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-md);box-shadow:var(--calc-shadow-card);padding:1.25rem}.input-card{border-left:4px solid var(--calc-cyan);max-height:calc(100vh - 100px);position:sticky;top:80px;overflow-y:auto}.result-card{border-left:4px solid var(--calc-purple)}.card-header-cyan,.card-header-purple{font-family:var(--calc-font-mono);letter-spacing:.08em;text-transform:uppercase;margin-bottom:1rem;font-size:.75rem;font-weight:700}.card-header-cyan{color:var(--calc-cyan)}.card-header-purple{color:var(--calc-purple)}.section-divider{background:var(--calc-border-default);height:1px;margin:1.25rem 0}.input-group{margin-bottom:.85rem}.input-label{color:var(--calc-text-dim);margin-bottom:4px;font-size:.8rem;font-weight:600;display:block}.accent-text{color:var(--accent);font-weight:700}.preset-label{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:.05em;margin:1rem 0 .5rem;font-size:.75rem;font-weight:700}.toggle-group{border-radius:var(--calc-radius-xs);border:1px solid var(--calc-border-default);gap:0;margin-top:6px;display:flex;overflow:hidden}.toggle-btn{background:var(--calc-bg-input);color:var(--calc-text-dim);font-family:var(--calc-font-body);cursor:pointer;white-space:nowrap;border:none;flex:1;padding:7px 12px;font-size:.8rem;font-weight:600;transition:background .2s,color .2s}.toggle-btn:hover{color:var(--calc-text-primary)}.toggle-btn.active{background:var(--accent);color:#fff}.checkbox-row{align-items:center;gap:8px;display:flex}.checkbox-row input[type=checkbox]{width:16px;height:16px;accent-color:var(--accent);cursor:pointer}.checkbox-row label{color:var(--calc-text-dim);cursor:pointer;font-size:.8rem}.range-slider{-webkit-appearance:none;appearance:none;background:var(--calc-bg-input);border-radius:3px;outline:none;width:100%;height:6px;margin-top:6px}.range-slider::-webkit-slider-thumb{-webkit-appearance:none;background:var(--accent);cursor:pointer;width:18px;height:18px;box-shadow:0 0 6px var(--accent-glow);border-radius:50%}.range-slider::-moz-range-thumb{background:var(--accent);cursor:pointer;border:none;border-radius:50%;width:18px;height:18px}.rec-hero{border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-md);text-align:center;background:linear-gradient(135deg,#0ea5e914,#8b5cf614);margin-bottom:1rem;padding:1.25rem}.rec-path-label{font-family:var(--calc-font-mono);letter-spacing:.1em;color:var(--calc-text-muted);text-transform:uppercase;margin-bottom:4px;font-size:.65rem;font-weight:700}.rec-path-name{font-family:var(--calc-font-headline);color:var(--accent);margin-bottom:4px;font-size:1.4rem;font-weight:800}.rec-points{font-family:var(--calc-font-mono);color:var(--calc-text-primary);margin-bottom:2px;font-size:1.1rem;font-weight:700}.rec-alt{color:var(--calc-text-muted);margin-bottom:6px;font-size:.8rem}.rec-diff{font-family:var(--calc-font-mono);border-radius:var(--calc-radius-xs);padding:4px 10px;font-size:.85rem;font-weight:700;display:inline-block}.rec-diff.positive{color:var(--calc-emerald);background:#10b9811f}.rec-diff.negative{color:var(--calc-rose);background:#ef44441f}.tier-indicator{margin-bottom:1rem}.tier-label{color:var(--calc-text-muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:8px;font-size:.75rem;font-weight:700}.tier-bar{border-radius:var(--calc-radius-xs);gap:3px;height:32px;display:flex;overflow:hidden}.tier-seg{background:var(--calc-bg-input);font-family:var(--calc-font-mono);color:var(--calc-text-muted);border-radius:4px;flex:1;justify-content:center;align-items:center;font-size:.65rem;font-weight:700;transition:background .3s,color .3s,box-shadow .3s;display:flex}.tier-seg.active{background:var(--accent);color:#fff;box-shadow:0 0 12px var(--accent-glow)}.tier-seg.passed{color:var(--accent);background:#0ea5e933}.tier-tip{color:var(--calc-text-dim);margin-top:6px;font-size:.78rem;font-style:italic}.table-overflow{-webkit-overflow-scrolling:touch;overflow-x:auto}.comparison-table,.scenario-table{border-collapse:collapse;width:100%;font-size:.82rem}.comparison-table th,.scenario-table th{background:var(--calc-bg-input);color:var(--calc-text-dim);font-family:var(--calc-font-mono);text-transform:uppercase;letter-spacing:.05em;text-align:right;border-bottom:1px solid var(--calc-border-default);padding:8px 10px;font-size:.7rem;font-weight:700}.comparison-table th:first-child,.scenario-table th:first-child{text-align:left}.comparison-table td,.scenario-table td{text-align:right;color:var(--calc-text-dim);border-bottom:1px solid var(--calc-border-default);font-variant-numeric:tabular-nums;padding:7px 10px}.comparison-table td:first-child,.scenario-table td:first-child{text-align:left;color:var(--calc-text-primary);font-size:.78rem;font-weight:600}.comparison-table tr:hover td,.scenario-table tr:hover td{background:#0ea5e90a}.winner-col{color:var(--accent);font-weight:700}.comparison-table th.winner-col{border-top:3px solid var(--accent);color:var(--accent)}.net-row td{color:var(--calc-text-primary);border-top:2px solid var(--calc-border-default);padding-top:10px;padding-bottom:10px;font-size:.9rem;font-weight:800}.insight-list{margin:.75rem 0;padding:0;list-style:none}.insight-list li{border-left:3px solid var(--accent);color:var(--calc-text-dim);margin-bottom:8px;padding:8px 0 8px 14px;font-size:.82rem;line-height:1.5}.insight-list strong{color:var(--calc-text-primary)}.action-bar{gap:8px;margin-top:1rem;display:flex}.action-btn{background:var(--calc-bg-input);border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-xs);color:var(--calc-text-dim);font-family:var(--calc-font-body);cursor:pointer;flex:1;padding:8px 12px;font-size:.8rem;font-weight:600;transition:border-color .2s,color .2s,background .2s}.action-btn:hover{border-color:var(--accent);color:var(--accent)}.scenario-tabs{gap:4px;margin-bottom:1rem;display:flex}.scenario-tab{background:var(--calc-bg-input);border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-xs);color:var(--calc-text-dim);font-family:var(--calc-font-body);cursor:pointer;flex:1;padding:8px 10px;font-size:.8rem;font-weight:600;transition:background .2s,color .2s,border-color .2s}.scenario-tab:hover{color:var(--calc-text-primary)}.scenario-tab.active{background:var(--accent);color:#fff;border-color:var(--accent)}.scenario-form{margin-bottom:1rem}.scenario-inputs-grid{grid-template-columns:repeat(3,1fr);gap:10px;margin-top:.5rem;display:grid}.load-btn{flex:none;width:auto;margin-top:.75rem}.proj-summary-grid{grid-template-columns:repeat(3,1fr);gap:12px;margin-top:16px;display:grid}.proj-summary-card{text-align:center;padding:1rem}.proj-summary-label{font-family:var(--calc-font-mono);text-transform:uppercase;letter-spacing:.08em;color:var(--calc-text-muted);margin-bottom:4px;font-size:.65rem;font-weight:700}.proj-summary-value{font-family:var(--calc-font-headline);color:var(--accent);font-size:1.15rem;font-weight:800}.proj-summary-sub{color:var(--calc-text-dim);margin-top:2px;font-size:.8rem}.calc-content-wrapper{max-width:1400px;margin:0 auto;padding:0 1.5rem 3rem}.disclaimer-bar{border-radius:var(--calc-radius-xs);max-width:1400px;color:var(--calc-text-muted);background:#f59e0b0f;border:1px solid #f59e0b26;margin:1.5rem auto 0;padding:.75rem 1.5rem;font-size:.75rem;line-height:1.6}.disclaimer-bar a{color:var(--accent);text-decoration:underline}@media (width<=900px){.dashboard-grid{grid-template-columns:1fr}.input-card{max-height:none;position:static}.page-title{font-size:1.5rem}}@media (width<=600px){.scenario-inputs-grid{grid-template-columns:1fr}.proj-summary-grid{grid-template-columns:1fr;gap:8px}.main-container{padding:80px 1rem 1.5rem}}[data-theme=light]{--accent:#0284c7;--accent-dim:#0284c71a;--accent-glow:#0284c726;--shadow-glow:none;--purple-dim:#7c3aed1a;--blue-card:#2563eb;--obsidian-card:#6d28d9;--palladium-card:#7c3aed}[data-theme=light] body{background:var(--calc-bg-page);color:var(--calc-text-primary)}[data-theme=light] .glass-navbar{backdrop-filter:blur(12px);background:#fffffff2}[data-theme=light] .glass-navbar .nav-link.active{color:var(--accent)}[data-theme=light] .page-title{background:linear-gradient(135deg,#0284c7,#0891b2);-webkit-background-clip:text;background-clip:text}[data-theme=light] .card{background:#fff;border-color:#0000001f;box-shadow:0 2px 12px #00000014}[data-theme=light] .input-card{border-left-color:#0891b2}[data-theme=light] .result-card{border-left-color:#7c3aed}[data-theme=light] .tab-nav{border-bottom-color:#0000001a}[data-theme=light] .tab-btn{color:var(--calc-text-muted)}[data-theme=light] .tab-btn:hover{color:var(--calc-text-primary)}[data-theme=light] .tab-btn.active{color:var(--accent);border-bottom-color:var(--accent)}[data-theme=light] .glass-input::placeholder{color:#00000059}[data-theme=light] .toggle-btn{color:var(--calc-text-muted);background:#f0f4f9;border-color:#0000001a}[data-theme=light] .toggle-btn:hover{color:var(--calc-text-primary)}[data-theme=light] .toggle-btn.active{background:var(--accent);color:#fff}[data-theme=light] .range-slider{background:#e2e8f0}[data-theme=light] .range-slider::-webkit-slider-thumb{box-shadow:0 0 4px #0284c74d}[data-theme=light] .rec-hero{background:linear-gradient(135deg,#0284c70f,#7c3aed0f);border-color:#0000001a}[data-theme=light] .rec-path-name{color:var(--accent)}[data-theme=light] .rec-points{color:var(--calc-text-primary)}[data-theme=light] .rec-diff.positive{color:#065f46;background:#0596691a}[data-theme=light] .rec-diff.negative{color:#991b1b;background:#dc26261a}[data-theme=light] .tier-seg{color:var(--calc-text-muted);background:#edf2f9}[data-theme=light] .tier-seg.active{background:var(--accent);color:#fff;box-shadow:none}[data-theme=light] .tier-seg.passed{color:var(--accent);background:#0284c71f}[data-theme=light] .comparison-table th,[data-theme=light] .scenario-table th{color:var(--calc-text-muted);background:#f0f4f9;border-bottom-color:#0000001a}[data-theme=light] .comparison-table td,[data-theme=light] .scenario-table td{color:var(--calc-text-dim);border-bottom-color:#0000000f}[data-theme=light] .comparison-table td:first-child,[data-theme=light] .scenario-table td:first-child{color:var(--calc-text-primary)}[data-theme=light] .comparison-table tr:hover td,[data-theme=light] .scenario-table tr:hover td{background:#0284c70a}[data-theme=light] .winner-col{color:var(--accent)}[data-theme=light] .comparison-table th.winner-col{border-top-color:var(--accent)}[data-theme=light] .net-row td{color:var(--calc-text-primary);border-top-color:#0000001f}[data-theme=light] .insight-list li{border-left-color:var(--accent);color:var(--calc-text-dim)}[data-theme=light] .insight-list strong{color:var(--calc-text-primary)}[data-theme=light] .action-btn{color:var(--calc-text-dim);background:#f0f4f9;border-color:#0000001f}[data-theme=light] .action-btn:hover{border-color:var(--accent);color:var(--accent)}[data-theme=light] .scenario-tab{color:var(--calc-text-muted);background:#f0f4f9;border-color:#0000001a}[data-theme=light] .scenario-tab:hover{color:var(--calc-text-primary)}[data-theme=light] .scenario-tab.active{background:var(--accent);color:#fff;border-color:var(--accent)}[data-theme=light] .proj-summary-card{background:#fff}[data-theme=light] .proj-summary-value{color:var(--accent)}[data-theme=light] .disclaimer-bar{color:var(--calc-text-muted);background:#0891b20f;border-color:#0891b233}[data-theme=light] .disclaimer-bar a{color:var(--accent)}[data-theme=light] .card-header-cyan{color:#0891b2}[data-theme=light] .card-header-purple{color:#7c3aed}[data-theme=light] .accent-text{color:var(--accent)}[data-theme=light] .section-divider{background:#00000014}[data-theme=light] .checkbox-row label{color:var(--calc-text-dim)}[data-theme=light] .faq-grid{background:0 0;border:none;gap:8px}[data-theme=light] .faq-item-enhanced{background:#fff;border:1px solid #0000001a;border-bottom:none;border-radius:10px;overflow:hidden;box-shadow:0 1px 4px #0000000f}[data-theme=light] .faq-item-enhanced:hover{border-color:#0284c759;box-shadow:0 2px 10px #0284c714}[data-theme=light] .faq-item-enhanced[open]{border-color:#0284c766;border-left:3px solid var(--accent);box-shadow:0 2px 12px #0284c71a}[data-theme=light] .faq-item-enhanced summary{color:var(--calc-text-primary);padding:14px 16px}[data-theme=light] .faq-item-enhanced .faq-item__answer{color:var(--calc-text-dim);border-top-color:#0000000f;margin:0 16px}[data-theme=light] .preset-label{color:var(--calc-text-muted)}.tier-progress-wrap{background:var(--calc-bg-input);border-radius:2px;height:4px;margin-top:5px;overflow:hidden}.tier-progress-fill{background:var(--accent);border-radius:2px;width:0%;height:100%;transition:width .4s}[data-theme=light] .tier-progress-wrap{background:#e2e8f0}.rec-hero-card-row{margin-bottom:6px}.rec-card-badge{font-family:var(--calc-font-mono);letter-spacing:.07em;border:1.5px solid var(--accent);color:var(--accent);background:var(--accent-dim);text-transform:uppercase;border-radius:20px;padding:3px 12px;font-size:.72rem;font-weight:700;transition:border-color .2s,color .2s,background .2s;display:inline-block}[data-theme=light] .rec-card-badge{background:#0284c714}.path-badge{font-family:var(--calc-font-mono);letter-spacing:.04em;border-radius:4px;padding:2px 7px;font-size:.68rem;font-weight:700;display:inline-block}.path-badge--tiers{color:var(--accent);background:#0ea5e91f}.path-badge--cash{color:var(--calc-gold);background:#f59e0b1f}[data-theme=light] .path-badge--tiers{color:var(--accent);background:#0284c71a}[data-theme=light] .path-badge--cash{color:var(--calc-gold);background:#0891b21a}.best-badge{background:var(--accent-dim);color:var(--accent);font-size:.6rem;font-family:var(--calc-font-mono);vertical-align:middle;border-radius:4px;margin-left:6px;padding:1px 5px;font-weight:700}[data-theme=light] .best-badge{color:var(--accent);background:#0284c71a}.preset-chips{flex-wrap:wrap;gap:6px;margin-bottom:.75rem;display:flex}.preset-chip{background:var(--calc-bg-glass);border:1px solid var(--calc-border-default);color:var(--calc-text-dim);font-family:var(--calc-font-body);cursor:pointer;border-radius:20px;padding:4px 12px;font-size:.72rem;font-weight:600;transition:background .2s,color .2s,border-color .2s}.preset-chip:hover{border-color:var(--accent);color:var(--accent)}.preset-chip.active{background:var(--accent-dim);border-color:var(--accent);color:var(--accent)}[data-theme=light] .preset-chip{color:var(--calc-text-muted);background:#f0f4f9;border-color:#0000001a}[data-theme=light] .preset-chip:hover{border-color:var(--accent);color:var(--accent)}[data-theme=light] .preset-chip.active{border-color:var(--accent);color:var(--accent);background:#0284c71a}.cap-warning{color:var(--calc-gold);border-radius:var(--calc-radius-xs);background:#f59e0b14;border:1px solid #f59e0b33;margin-top:6px;padding:6px 10px;font-size:.75rem;line-height:1.5}[data-theme=light] .cap-warning{color:#155e75;background:#0891b212;border-color:#0891b240}.rec-annual-value{font-family:var(--calc-font-mono);color:var(--accent);letter-spacing:.01em;margin-bottom:6px;font-size:.85rem;font-weight:700}.rec-annual-value--negative{color:var(--calc-rose)}[data-theme=light] .rec-annual-value{color:var(--accent)}[data-theme=light] .rec-annual-value--negative{color:#991b1b}.settings-context{flex-wrap:wrap;align-items:center;gap:6px;min-height:28px;margin-bottom:1rem;display:flex}.settings-context:empty{display:none}.s-pill{background:var(--calc-bg-glass);border:1px solid var(--calc-border-default);color:var(--calc-text-dim);font-size:.7rem;font-weight:600;font-family:var(--calc-font-mono);white-space:nowrap;border-radius:20px;align-items:center;gap:4px;padding:3px 10px;display:inline-flex}.s-pill__label{color:var(--calc-text-muted);margin-right:2px;font-weight:500}.s-pill__val{color:var(--accent);font-weight:700}[data-theme=light] .s-pill{color:var(--calc-text-dim);background:#f0f4f9;border-color:#0000001a}[data-theme=light] .s-pill__val{color:var(--accent)}.rates-grid{grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:1.5rem;display:grid}.rates-card{background:var(--calc-bg-glass);border:1px solid var(--calc-border-default);border-radius:var(--calc-radius-md);border-top:3px solid var(--calc-border-default);padding:1rem}.rates-card--blue{border-top-color:var(--blue-card)}.rates-card--obsidian{border-top-color:var(--obsidian-card)}.rates-card--palladium{border-top-color:var(--palladium-card)}.rates-card__name{font-family:var(--calc-font-headline);color:var(--calc-text-primary);margin-bottom:2px;font-size:.95rem;font-weight:800}.rates-card__fee{color:var(--calc-text-muted);font-size:.72rem;font-family:var(--calc-font-mono);margin-bottom:.75rem}.rates-card__note{color:var(--calc-text-muted);margin-top:.6rem;font-size:.72rem;font-style:italic;line-height:1.5}.fp-pill--housing{background:#a855f71a;border-color:#a855f733}.fp-pill--housing .fp-label{color:var(--calc-purple)}.fp-pill--obsidian{background:#8b5cf61f;border-color:#8b5cf640}.fp-pill--obsidian .fp-label{color:var(--obsidian-card)}.fp-pill--palladium{background:#a78bfa1f;border-color:#a78bfa40}.fp-pill--palladium .fp-label{color:var(--palladium-card)}.rates-paths{grid-template-columns:1fr 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