@import url("https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=Hanken+Grotesk:wght@400;500;600;700&display=swap");:root{--ink:#1c1a16;--paper:#f6f2e9;--paper-2:#fffdf7;--line:#d9d1bf;--muted:#6f6856;--snow:#c2410c;--snow-soft:#fbe7d8;--aval:#0b6b53;--aval-soft:#d9ece5;--gold:#a9842a;--shadow:0 1px 0 rgba(28,26,22,.04),0 18px 40px -22px rgba(28,26,22,.35)}.calc-container{font-family:Hanken Grotesk,-apple-system,sans-serif;background:var(--paper);color:var(--ink);line-height:1.55;-webkit-font-smoothing:antialiased;background-image:radial-gradient(circle at 12% -5%,rgba(169,132,42,.07),transparent 40%),radial-gradient(circle at 92% 0,rgba(11,107,83,.06),transparent 38%);min-height:100vh}.calc-wrap{max-width:1060px;margin:0 auto;padding:0 22px}.calc-header{padding:34px 0 6px}.calc-brand{display:flex;align-items:center;gap:11px;font-family:Fraunces,serif;font-weight:600;font-size:19px;letter-spacing:-.01em}.calc-brand .dot{width:13px;height:13px;border-radius:3px;background:linear-gradient(135deg,var(--snow),var(--aval))}.calc-hero{padding:30px 0 18px;max-width:760px}.calc-eyebrow{font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-bottom:14px}.calc-hero h1{font-family:Fraunces,serif;font-weight:600;font-size:clamp(31px,5vw,50px);line-height:1.04;letter-spacing:-.02em;margin:0}.calc-hero h1 em{font-style:italic;color:var(--snow)}.calc-hero h1 .v{color:var(--aval)}.calc-lede{margin-top:16px;font-size:17px;color:var(--muted);max-width:620px}.ad-slot{margin:22px 0;min-height:92px;border:1px dashed var(--line);border-radius:12px;display:flex;align-items:center;justify-content:center;background:repeating-linear-gradient(45deg,transparent,transparent 9px,rgba(217,209,191,.18) 0,rgba(217,209,191,.18) 18px);color:var(--muted);font-size:12px;letter-spacing:.14em;text-transform:uppercase}.calc-grid{display:grid;grid-template-columns:1.05fr 1.25fr;gap:26px;margin-top:14px;align-items:start}@media(max-width:860px){.calc-grid{grid-template-columns:1fr}}.calc-card{background:var(--paper-2);border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:var(--shadow)}.calc-card h2{font-family:Fraunces,serif;font-weight:600;font-size:20px;letter-spacing:-.01em;margin-bottom:4px;margin-top:0}.calc-card .sub{font-size:13.5px;color:var(--muted);margin-bottom:18px}.debt-row{display:grid;grid-template-columns:1.4fr 1fr 1fr 28px;gap:9px;align-items:end;margin-bottom:11px}.debt-row.head{margin-bottom:7px}.debt-row.head span{font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600}.calc-card input[type=number],.calc-card input[type=text]{font-family:Hanken Grotesk,sans-serif;font-size:15px;color:var(--ink);border:1px solid var(--line);background:#fff;border-radius:9px;padding:10px 11px;width:100%;font-weight:500;transition:border-color .15s,box-shadow .15s;margin:0}.calc-card input:focus{outline:none;border-color:var(--aval);box-shadow:0 0 0 3px var(--aval-soft)}.rm-btn{border:none;background:none;color:var(--muted);font-size:20px;cursor:pointer;line-height:1;padding:8px 0;transition:color .15s}.rm-btn:hover{color:var(--snow)}.add-btn{margin-top:6px;border:1px dashed var(--line);background:none;color:var(--ink);font-family:inherit;font-weight:600;font-size:14px;border-radius:9px;padding:11px;width:100%;cursor:pointer;transition:all .15s}.add-btn:hover{border-color:var(--aval);color:var(--aval)}.extra-row{margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}.extra-row label{font-size:13px;color:var(--muted);font-weight:600}.extra-row .row-flex{display:flex;gap:12px;align-items:center;margin-top:8px}.extra-row input{max-width:160px}.calc-btn{margin-top:20px;width:100%;background:var(--ink);color:var(--paper-2);font-family:Fraunces,serif;font-weight:600;font-size:17px;border:none;border-radius:11px;padding:15px;cursor:pointer;letter-spacing:-.01em;transition:transform .12s,background .15s}.calc-btn:hover{background:#000;transform:translateY(-1px)}.calc-btn:active{transform:translateY(0)}.verdict{border-radius:14px;padding:20px 22px;margin-bottom:18px;border:1px solid var(--line);background:linear-gradient(180deg,#fff,var(--paper));position:relative;overflow:hidden}.verdict:before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--aval)}.verdict h3{font-size:15px;letter-spacing:.02em;color:var(--muted);margin-top:0;text-transform:uppercase}.verdict .big,.verdict h3{font-family:Fraunces,serif;font-weight:600;margin-bottom:8px}.verdict .big{font-size:clamp(24px,4vw,33px);letter-spacing:-.02em;line-height:1.1}.verdict .big b{color:var(--aval)}.verdict p{font-size:14px;color:var(--muted);margin-top:8px;margin-bottom:0}.compare{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:16px}@media(max-width:480px){.compare{grid-template-columns:1fr}}.strat{border:1px solid var(--line);border-radius:13px;padding:18px;background:#fff}.strat.s{border-top:3px solid var(--snow)}.strat.a{border-top:3px solid var(--aval)}.strat .name{font-family:Fraunces,serif;font-weight:600;font-size:17px;margin-bottom:2px}.strat.s .name{color:var(--snow)}.strat.a .name{color:var(--aval)}.strat .tag{font-size:11.5px;color:var(--muted);margin-bottom:14px}.metric{display:flex;justify-content:space-between;align-items:baseline;padding:7px 0;border-bottom:1px dashed var(--line);font-size:13.5px}.metric:last-child{border-bottom:none;padding-bottom:0}.metric .k{color:var(--muted)}.metric .val{font-weight:700;font-size:16px;font-variant-numeric:tabular-nums}.chart-card{margin-top:16px}.calc-card canvas{width:100%;height:auto;display:block}.chart-legend{display:flex;gap:18px;justify-content:center;margin-top:10px;font-size:12.5px;color:var(--muted)}.chart-legend i{display:inline-block;width:14px;height:3px;border-radius:2px;vertical-align:middle;margin-right:6px}.placeholder{color:var(--muted);font-size:14px;text-align:center;padding:40px 10px}.calc-content{max-width:760px;margin:46px auto 0;padding-top:30px;border-top:1px solid var(--line)}.calc-content h2{font-size:27px;letter-spacing:-.01em;margin:34px 0 12px}.calc-content h2,.calc-content h3{font-family:Fraunces,serif;font-weight:600}.calc-content h3{font-size:19px;margin:24px 0 8px}.calc-content p{margin-bottom:14px;color:#3a362d}.calc-content ul{margin:0 0 16px 20px;color:#3a362d}.calc-content li{margin-bottom:7px}.calc-faq{border-top:1px solid var(--line);margin-top:8px}.calc-faq details{border-bottom:1px solid var(--line);padding:15px 0}.calc-faq summary{font-family:Fraunces,serif;font-weight:600;font-size:17px;cursor:pointer;list-style:none}.calc-faq summary::-webkit-details-marker{display:none}.calc-faq summary:before{content:"+";color:var(--aval);font-weight:700;margin-right:10px}.calc-faq details[open] summary:before{content:"–"}.calc-faq p{margin-top:10px;color:var(--muted);margin-bottom:0}.calc-footer{margin:60px 0 30px;padding-top:40px;border-top:1px solid var(--line);font-size:14px}.footer-grid{display:grid;grid-template-columns:1fr 2fr;gap:40px;margin-bottom:40px}@media(max-width:768px){.footer-grid{grid-template-columns:1fr}}.footer-brand{font-family:Fraunces,serif;font-weight:600;font-size:22px;letter-spacing:-.01em;color:var(--ink);margin-bottom:12px;display:flex;align-items:center;gap:8px}.footer-brand .dot{width:14px;height:14px;border-radius:3px;background:linear-gradient(135deg,var(--snow),var(--aval))}.footer-desc{color:var(--muted);line-height:1.6;max-width:280px;margin:0}.footer-nav{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}@media(max-width:480px){.footer-nav{grid-template-columns:1fr}}.footer-nav h4{font-family:Fraunces,serif;font-size:16px;color:var(--ink);margin-bottom:16px;margin-top:0}.footer-links{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}.footer-links a{color:var(--muted);text-decoration:none;transition:color .15s ease;font-weight:500}.footer-links a:hover{color:var(--aval)}.footer-bottom{border-top:1px solid var(--line);padding-top:24px;display:flex;justify-content:space-between;align-items:center;color:var(--muted);font-size:13px}@media(max-width:600px){.footer-bottom{flex-direction:column;gap:16px;text-align:center}}.footer-legal{display:flex;gap:16px}.footer-legal a{color:var(--muted);text-decoration:none;transition:color .15s ease}.footer-legal a:hover{color:var(--ink)}.disclaimer{font-size:12px;color:var(--muted);margin-top:14px;line-height:1.5}