:root {
  --ink: #142842;
  --ink-soft: #41536b;
  --muted: #758297;
  --line: #dce4ec;
  --line-soft: #edf1f5;
  --paper: #ffffff;
  --canvas: #ffffff;
  --blue: #2667d8;
  --blue-dark: #174497;
  --blue-soft: #eaf1ff;
  --amber: #f0a64c;
  --amber-soft: #fff4e3;
  --mint: #dff5ef;
  --mint-ink: #147a68;
  --danger: #ad4b54;
  --danger-soft: #fff1f1;
  --shadow: 0 22px 60px rgba(32, 58, 91, .09);
  --radius-lg: 26px;
  --radius-md: 18px;
  --radius-sm: 11px;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif;
  color: var(--ink);
  background: var(--canvas);
  font-synthesis: none;
}

* { box-sizing: border-box; }
html { overflow-x: clip; scroll-behavior: smooth; }
body {
  min-width: 320px;
  margin: 0;
  overflow-x: clip;
  color: var(--ink);
  background: var(--canvas);
}
button, input, select { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; }
button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, summary:focus-visible { outline: 3px solid rgba(38, 103, 216, .23); outline-offset: 2px; }

.site-shell { min-height: 100vh; display: flex; flex-direction: column; background: var(--paper); }
.site-header, .site-footer { width: min(1180px, calc(100% - 42px)); margin-inline: auto; }
.site-header { display: flex; align-items: center; justify-content: space-between; gap: 28px; padding: 22px 0; }
.brand { display: inline-flex; align-items: center; gap: 9px; white-space: nowrap; }
.brand-mark { width: 31px; height: 31px; display: flex; align-items: end; justify-content: center; gap: 3px; padding: 6px 6px 7px; border-radius: 10px; background: var(--ink); transform: rotate(-5deg); box-shadow: 0 8px 16px rgba(20,40,66,.18); }
.brand-mark span { width: 4px; border-radius: 5px; background: var(--amber); }.brand-mark span:nth-child(1) { height: 8px; }.brand-mark span:nth-child(2) { height: 14px; background: #78b3ff; }.brand-mark span:nth-child(3) { height: 19px; background: #f9d49e; }
.brand-name { font-size: 18px; font-weight: 850; letter-spacing: -.04em; }.brand-suffix { color: var(--muted); font-size: 11px; letter-spacing: .08em; text-transform: uppercase; }
.main-nav { display: flex; align-items: center; gap: 27px; color: var(--muted); font-size: 13px; }.main-nav a:hover, .footer-nav a:hover { color: var(--blue); }
.header-actions { display: flex; align-items: center; gap: 9px; }
.language-switcher { display: inline-flex; align-items: center; gap: 2px; padding: 3px; border: 1px solid var(--line); border-radius: 999px; background: rgba(255,255,255,.72); }
.language-switcher button { min-width: 31px; padding: 5px 7px; border: 0; border-radius: 999px; color: var(--muted); background: transparent; font-size: 10px; font-weight: 800; }
.language-switcher button:hover, .language-switcher button.is-active { color: var(--blue-dark); background: var(--blue-soft); }
.header-trust { padding: 8px 12px; border: 1px solid #cfe6df; border-radius: 999px; color: var(--mint-ink); background: #eefaf7; font-size: 11px; font-weight: 800; white-space: nowrap; }.status-dot { display: inline-block; width: 7px; height: 7px; margin-right: 5px; border-radius: 50%; background: #2bb790; box-shadow: 0 0 0 4px rgba(43,183,144,.13); }

.ad-supported-layout { display: grid; grid-template-columns: minmax(128px, 160px) minmax(0, 1180px) minmax(128px, 160px); gap: 30px; align-items: start; width: min(100%, 1560px); margin: 0 auto; flex: 1; }
#app { min-width: 0; outline: none; }.ad-rail { min-width: 0; padding-top: 42px; }.ad-slot { position: sticky; top: 24px; display: flex; flex-direction: column; align-items: center; justify-content: center; width: 100%; min-height: 600px; padding: 20px 12px; overflow: hidden; border: 1px dashed #cbd7e6; border-radius: 14px; color: var(--muted); background: rgba(255,255,255,.48); text-align: center; }.ad-slot-kicker { margin-bottom: 16px; color: #9aa9bb; font-size: 10px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }.ad-slot strong { color: #8b9aab; font-size: 13px; }.ad-slot-size { margin-top: 8px; color: #a8b4c2; font-size: 10px; }
.page { padding: 44px 0 92px; }.eyebrow { display: inline-flex; align-items: center; gap: 8px; color: var(--blue); font-size: 11px; font-weight: 850; letter-spacing: .14em; text-transform: uppercase; }.eyebrow::before { width: 20px; height: 2px; content: ""; background: var(--amber); }
.hero { display: grid; grid-template-columns: minmax(0, 1.04fr) minmax(370px, .96fr); align-items: center; gap: 70px; padding: 56px 0 76px; }.hero h1 { max-width: 680px; margin: 17px 0 18px; font-size: clamp(42px, 6vw, 74px); line-height: .98; letter-spacing: -.075em; }.hero h1 em { color: var(--blue); font-style: normal; }.hero p { max-width: 600px; margin: 0; color: var(--ink-soft); font-size: 17px; line-height: 1.76; }.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 29px; }.hero-note { display: flex; align-items: center; gap: 8px; margin-top: 19px; color: var(--muted); font-size: 12px; }.hero-note svg { color: var(--mint-ink); }
.hero-art { position: relative; min-height: 360px; display: grid; place-items: center; }.hero-glow { position: absolute; width: 340px; height: 340px; border-radius: 50%; background: radial-gradient(circle, #d9e7ff 0, #f6f0e7 62%, transparent 69%); }.ledger-card { position: relative; width: 300px; padding: 23px; border: 1px solid rgba(220,228,236,.95); border-radius: 21px; background: rgba(255,255,255,.93); box-shadow: 0 28px 70px rgba(32,58,91,.16); transform: rotate(5deg); }.ledger-top { display: flex; justify-content: space-between; align-items: center; color: var(--muted); font-size: 11px; }.ledger-chip { width: 35px; height: 35px; display: grid; place-items: center; border-radius: 11px; color: var(--blue); background: var(--blue-soft); font-weight: 900; }.ledger-card h3 { margin: 24px 0 5px; font-size: 13px; color: var(--muted); font-weight: 700; }.ledger-number { margin: 0 0 21px; font-size: 37px; font-weight: 850; letter-spacing: -.06em; }.ledger-number small { color: var(--muted); font-size: 14px; font-weight: 650; letter-spacing: 0; }.ledger-bars { display: grid; gap: 10px; }.ledger-bar { display: grid; grid-template-columns: 58px 1fr 53px; align-items: center; gap: 9px; color: var(--muted); font-size: 10px; }.ledger-bar i { display: block; height: 7px; border-radius: 99px; background: var(--blue); }.ledger-bar:nth-child(2) i { background: var(--amber); }.ledger-bar:nth-child(3) i { background: #69bdac; }.ledger-sticker { position: absolute; right: -60px; top: 56px; padding: 12px 14px; border: 1px solid #f1d5a7; border-radius: 13px; color: #936426; background: #fff8e9; box-shadow: var(--shadow); font-size: 11px; font-weight: 850; transform: rotate(-7deg); }.ledger-sticker strong { display: block; margin-bottom: 2px; font-size: 16px; color: var(--ink); }
.trust-strip { display: grid; grid-template-columns: repeat(3, 1fr); overflow: hidden; gap: 1px; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--line); box-shadow: var(--shadow); }.trust-item { display: flex; align-items: center; gap: 13px; min-height: 98px; padding: 19px 23px; background: rgba(255,255,255,.84); }.trust-icon { width: 39px; height: 39px; display: grid; place-items: center; flex: 0 0 auto; border-radius: 12px; color: var(--blue); background: var(--blue-soft); font-size: 17px; font-weight: 900; }.trust-item strong { display: block; margin-bottom: 4px; font-size: 13px; }.trust-item span { display: block; color: var(--muted); font-size: 11px; }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 20px; margin: 92px 0 27px; }.section-head h2 { margin: 8px 0 0; font-size: 33px; letter-spacing: -.06em; }.section-head p { max-width: 450px; margin: 0; color: var(--muted); font-size: 13px; line-height: 1.7; }
.tool-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }.tool-card { display: flex; flex-direction: column; min-height: 224px; padding: 23px; border: 1px solid var(--line); border-radius: var(--radius-md); background: rgba(255,255,255,.83); transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease; }.tool-card:hover { border-color: #b6cdfb; box-shadow: var(--shadow); transform: translateY(-4px); }.tool-card-top { display: flex; align-items: center; justify-content: space-between; gap: 14px; }.tool-symbol { width: 44px; height: 44px; display: grid; place-items: center; border-radius: 14px; color: var(--blue); background: var(--blue-soft); font-size: 21px; font-weight: 900; }.tool-card:nth-child(2) .tool-symbol, .tool-card:nth-child(5) .tool-symbol { color: #b87926; background: var(--amber-soft); }.tool-card:nth-child(3) .tool-symbol { color: var(--mint-ink); background: var(--mint); }.tool-badge { color: var(--muted); font-size: 10px; }.tool-card h3 { margin: 21px 0 8px; font-size: 18px; letter-spacing: -.035em; }.tool-card p { margin: 0; color: var(--muted); font-size: 12px; line-height: 1.65; }.tool-link { display: flex; align-items: center; justify-content: space-between; margin-top: auto; padding-top: 19px; color: var(--blue); font-size: 12px; font-weight: 850; }.tool-link span:last-child { font-size: 18px; transition: transform .2s ease; }.tool-card:hover .tool-link span:last-child { transform: translateX(4px); }
.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }.process-step { padding: 23px; border-top: 2px solid #c4d7fa; }.process-step b { color: var(--amber); font-size: 12px; }.process-step h3 { margin: 10px 0 7px; font-size: 15px; }.process-step p { margin: 0; color: var(--muted); font-size: 12px; line-height: 1.65; }
.home-faq { display: grid; grid-template-columns: .8fr 1.2fr; gap: 46px; align-items: start; }.home-faq .section-head { display: block; margin: 92px 0 0; }.home-faq .section-head p { margin-top: 12px; }.faq-list { display: grid; margin-top: 92px; border-top: 1px solid var(--line); }.faq-item { padding: 19px 0; border-bottom: 1px solid var(--line); }.faq-item summary { display: flex; justify-content: space-between; gap: 18px; cursor: pointer; list-style: none; font-size: 13px; font-weight: 800; }.faq-item summary::-webkit-details-marker { display: none; }.faq-item summary::after { content: "+"; color: var(--blue); font-size: 20px; line-height: 12px; }.faq-item[open] summary::after { content: "−"; }.faq-item p { max-width: 670px; margin: 11px 0 0; color: var(--muted); font-size: 12px; line-height: 1.75; }

.tool-page { padding: 41px 0 92px; }.tool-page-head { display: flex; align-items: end; justify-content: space-between; gap: 22px; margin-bottom: 29px; }.back-link { color: var(--blue); font-size: 12px; font-weight: 850; }.tool-page h1 { margin: 12px 0 8px; font-size: clamp(32px, 5vw, 51px); line-height: 1.02; letter-spacing: -.07em; }.tool-page-head p { margin: 0; color: var(--muted); font-size: 14px; }.tool-limit { align-self: center; padding: 9px 12px; border: 1px solid var(--line); border-radius: 999px; color: var(--muted); background: rgba(255,255,255,.7); font-size: 11px; white-space: nowrap; }.workspace { display: grid; grid-template-columns: minmax(0, .86fr) minmax(0, 1.14fr); gap: 16px; align-items: start; }.workspace-main, .workspace-side { min-width: 0; }.panel { border: 1px solid var(--line); border-radius: var(--radius-lg); background: rgba(255,255,255,.9); box-shadow: 0 12px 32px rgba(32,58,91,.045); }.form-panel { padding: 24px; }.form-panel h2 { margin: 0; font-size: 17px; letter-spacing: -.035em; }.form-panel > p { margin: 8px 0 22px; color: var(--muted); font-size: 12px; line-height: 1.6; }.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 12px; }.field { margin-top: 15px; }.field:first-child, .form-grid .field:nth-child(-n+2) { margin-top: 0; }.field.full { grid-column: 1 / -1; }.field label { display: flex; align-items: center; justify-content: space-between; gap: 8px; margin-bottom: 7px; font-size: 11px; font-weight: 800; }.field label span { color: var(--muted); font-size: 10px; font-weight: 500; }.field input, .field select { width: 100%; padding: 11px 11px; border: 1px solid var(--line); border-radius: 10px; outline: none; color: var(--ink); background: white; font-size: 13px; transition: border-color .18s ease, box-shadow .18s ease; }.field input:focus, .field select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(38,103,216,.1); }.field input::placeholder { color: #adb7c5; }.field-help { margin: 7px 0 0; color: var(--muted); font-size: 10px; line-height: 1.55; }.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 7px; }.choice { position: relative; }.choice input { position: absolute; opacity: 0; }.choice span { display: block; padding: 10px 7px; border: 1px solid var(--line); border-radius: 10px; color: var(--muted); text-align: center; font-size: 11px; cursor: pointer; }.choice input:checked + span { border-color: var(--blue); color: var(--blue-dark); background: var(--blue-soft); font-weight: 800; }.form-actions { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 23px; }.btn { display: inline-flex; align-items: center; justify-content: center; gap: 7px; min-height: 40px; padding: 0 15px; border: 1px solid transparent; border-radius: 10px; font-size: 12px; font-weight: 850; transition: transform .18s ease, background .18s ease, border-color .18s ease; }.btn:hover { transform: translateY(-1px); }.btn-primary { color: white; background: var(--blue); box-shadow: 0 10px 18px rgba(38,103,216,.17); }.btn-primary:hover { background: var(--blue-dark); }.btn-secondary { border-color: var(--line); color: var(--ink); background: white; }.btn-secondary:hover { border-color: #b6cdfb; color: var(--blue); }.btn-quiet { min-height: 34px; padding-inline: 10px; color: var(--blue); background: var(--blue-soft); font-size: 11px; }.btn:disabled { cursor: not-allowed; opacity: .55; transform: none; }
.result-column .workspace-side { margin-top: 16px; }
.estimate-note { display: flex; align-items: flex-start; gap: 9px; margin-top: 18px; padding: 12px; border-radius: 12px; color: #816128; background: #fff8e9; font-size: 11px; line-height: 1.6; }.estimate-note::before { content: "i"; width: 17px; height: 17px; display: grid; place-items: center; flex: 0 0 auto; border-radius: 50%; color: #8e6628; background: #f4d59d; font-weight: 900; }
.result-panel { padding: 24px; border-color: #cfe0ff; background: linear-gradient(145deg, #fbfdff, #f1f6ff); }.result-panel h2 { margin: 0 0 6px; font-size: 18px; }.result-panel > p { margin: 0; color: var(--muted); font-size: 12px; line-height: 1.55; }.result-loading { min-height: 210px; display: grid; place-items: center; color: var(--muted); font-size: 12px; text-align: center; }.spinner { width: 25px; height: 25px; margin: 0 auto 12px; border: 3px solid #cfe0ff; border-top-color: var(--blue); border-radius: 50%; animation: spin .8s linear infinite; }@keyframes spin { to { transform: rotate(360deg); } }
.metric-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 9px; margin: 21px 0 18px; }.metric { min-width: 0; padding: 14px; border: 1px solid #dbe7fa; border-radius: 13px; background: rgba(255,255,255,.85); }.metric-label { display: block; margin-bottom: 7px; color: var(--muted); font-size: 10px; }.metric-value { display: block; overflow: hidden; color: var(--ink); font-size: 20px; font-weight: 850; letter-spacing: -.05em; text-overflow: ellipsis; white-space: nowrap; }.metric.primary { background: var(--ink); border-color: var(--ink); }.metric.primary .metric-label, .metric.primary .metric-value { color: white; }.metric.primary .metric-label { opacity: .72; }
.breakdown { margin: 20px 0; }.breakdown-head { display: flex; justify-content: space-between; gap: 12px; margin-bottom: 8px; color: var(--muted); font-size: 10px; }.bar-track { display: flex; height: 10px; overflow: hidden; border-radius: 99px; background: var(--line-soft); }.bar-segment { min-width: 2px; }.bar-segment.principal { background: var(--blue); }.bar-segment.interest { background: var(--amber); }.bar-segment.tax { background: #75bea8; }.bar-segment.insurance { background: #a695d7; }.bar-segment.hoa { background: #8da4bc; }.legend { display: flex; flex-wrap: wrap; gap: 8px 14px; margin-top: 10px; color: var(--muted); font-size: 10px; }.legend span::before { width: 7px; height: 7px; display: inline-block; margin-right: 5px; border-radius: 50%; content: ""; background: var(--blue); }.legend .interest::before { background: var(--amber); }.legend .tax::before { background: #75bea8; }.legend .insurance::before { background: #a695d7; }.legend .hoa::before { background: #8da4bc; }
.result-actions { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 19px; }.result-subhead { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 27px; }.result-subhead h3 { margin: 0; font-size: 14px; }.result-subhead span { color: var(--muted); font-size: 10px; }.table-wrap { max-height: 470px; overflow: auto; margin-top: 10px; border: 1px solid var(--line); border-radius: 12px; background: white; }.schedule-table { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; font-size: 10px; }.schedule-table th, .schedule-table td { padding: 9px 10px; border-bottom: 1px solid var(--line-soft); text-align: right; white-space: nowrap; }.schedule-table th:first-child, .schedule-table td:first-child { text-align: left; }.schedule-table th { position: sticky; top: 0; z-index: 1; color: var(--ink-soft); background: #f2f6fb; font-weight: 800; }.schedule-table tr:last-child td { border-bottom: 0; }.schedule-table td { color: var(--muted); }.schedule-table td strong { color: var(--ink); }
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 20px 0 14px; }.compare-card { padding: 15px; border: 1px solid #dbe7fa; border-radius: 14px; background: rgba(255,255,255,.85); }.compare-card.scenario { border-color: #cfe6df; background: #f6fdfb; }.compare-card small { color: var(--muted); font-size: 10px; }.compare-card strong { display: block; margin: 8px 0 12px; font-size: 24px; letter-spacing: -.05em; }.compare-card p { margin: 4px 0 0; color: var(--muted); font-size: 11px; }.saving-callout { margin-top: 14px; padding: 14px; border-radius: 13px; color: var(--mint-ink); background: var(--mint); font-size: 12px; line-height: 1.6; }.saving-callout strong { font-size: 16px; }
.error-panel { margin-top: 16px; padding: 14px 15px; border: 1px solid #efcacc; border-radius: 12px; color: var(--danger); background: var(--danger-soft); font-size: 12px; line-height: 1.6; }.error-panel strong { display: block; margin-bottom: 3px; }.error-list { margin: 5px 0 0; padding-left: 18px; }.status-line { margin-top: 12px; color: var(--muted); font-size: 10px; line-height: 1.6; }.stale { color: #9a6726; }.fresh { color: var(--mint-ink); }
.side-card { padding: 22px; }.side-card + .side-card { margin-top: 16px; }.side-card h2 { margin: 0 0 12px; font-size: 15px; }.side-card p { margin: 0; color: var(--muted); font-size: 12px; line-height: 1.75; }.side-list { display: grid; gap: 11px; margin: 0; padding: 0; list-style: none; }.side-list li { display: flex; align-items: flex-start; gap: 8px; color: var(--muted); font-size: 11px; line-height: 1.6; }.side-list li::before { content: "✓"; color: var(--mint-ink); font-weight: 900; }.related-tools { display: grid; gap: 7px; }.related-tools a { display: flex; align-items: center; justify-content: space-between; padding: 10px 11px; border: 1px solid var(--line-soft); border-radius: 9px; color: var(--ink-soft); font-size: 11px; }.related-tools a:hover { border-color: #b6cdfb; color: var(--blue); }

.content-page { max-width: 900px; padding: 56px 0 100px; }.content-page h1 { margin: 14px 0 17px; font-size: clamp(36px, 6vw, 59px); line-height: 1; letter-spacing: -.075em; }.content-intro { max-width: 720px; color: var(--ink-soft); font-size: 16px; line-height: 1.75; }.content-section { margin-top: 47px; }.content-section h2 { margin: 0 0 13px; font-size: 23px; letter-spacing: -.055em; }.content-section h3 { margin: 25px 0 8px; font-size: 15px; }.content-section p, .content-section li { color: var(--muted); font-size: 13px; line-height: 1.85; }.content-section ul, .content-section ol { padding-left: 21px; }.formula-box { margin-top: 18px; padding: 19px; border: 1px solid #dbe7fa; border-radius: 14px; color: var(--blue-dark); background: var(--blue-soft); font-family: ui-monospace, SFMono-Regular, Consolas, monospace; font-size: 14px; }.note-box { margin-top: 22px; padding: 16px 17px; border-left: 3px solid var(--amber); border-radius: 0 12px 12px 0; color: #76572a; background: #fff9ef; font-size: 12px; line-height: 1.7; }.content-table { width: 100%; margin-top: 17px; border-collapse: collapse; font-size: 12px; }.content-table th, .content-table td { padding: 12px 11px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; line-height: 1.6; }.content-table th { color: var(--ink); background: #eef4fd; }.content-table td { color: var(--muted); }
.site-footer { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 24px 0 30px; border-top: 1px solid var(--line); color: var(--muted); font-size: 11px; }.footer-brand { color: var(--ink); font-size: 13px; font-weight: 850; }.footer-copy { margin-top: 3px; }.footer-nav { display: flex; flex-wrap: wrap; gap: 16px; }.toast { position: fixed; z-index: 10; left: 50%; bottom: 25px; max-width: calc(100% - 28px); padding: 10px 14px; border: 1px solid var(--ink); border-radius: 999px; color: white; background: var(--ink); box-shadow: var(--shadow); font-size: 12px; opacity: 0; pointer-events: none; transform: translate(-50%, 10px); transition: opacity .18s ease, transform .18s ease; }.toast.is-visible { opacity: 1; transform: translate(-50%, 0); }.optional-section-title { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; padding: 12px 14px; border: 1px solid #dbe7fa; border-radius: 12px; color: var(--blue-dark); background: var(--blue-soft); }.optional-section-title strong { font-size: 12px; }.optional-section-title span { color: var(--muted); font-size: 10px; line-height: 1.5; }.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }

@media (max-width: 1559px) { .ad-supported-layout { display: block; width: min(1180px, calc(100% - 42px)); }.ad-rail { display: none; } }
@media (max-width: 900px) { .hero { grid-template-columns: 1fr; gap: 12px; padding-top: 28px; }.hero-art { min-height: 310px; }.tool-grid { grid-template-columns: repeat(2, 1fr); }.workspace { grid-template-columns: 1fr; }.workspace-side { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }.side-card + .side-card { margin-top: 0; }.process { grid-template-columns: repeat(2, 1fr); }.home-faq { grid-template-columns: 1fr; gap: 8px; }.home-faq .section-head { margin-bottom: 0; }.faq-list { margin-top: 29px; } }
@media (max-width: 630px) { .site-header, .ad-supported-layout, .site-footer { width: min(100% - 28px, 1180px); }.site-header { padding: 16px 0; }.brand-suffix, .main-nav { display: none; }.header-actions { gap: 5px; }.header-trust { padding: 7px 9px; font-size: 10px; }.page, .tool-page, .content-page { padding-top: 30px; }.hero h1 { font-size: 45px; }.hero-art { margin: -10px 0; transform: scale(.87); }.trust-strip, .tool-grid, .workspace-side { grid-template-columns: 1fr; }.trust-item { min-height: 76px; padding: 15px; }.section-head { display: block; margin-top: 65px; }.section-head h2 { font-size: 28px; }.section-head p { margin-top: 9px; }.process { grid-template-columns: 1fr; }.tool-page-head { display: block; }.tool-limit { display: inline-block; margin-top: 16px; }.form-grid, .metric-grid, .compare-grid { grid-template-columns: 1fr 1fr; }.form-grid .field.full { grid-column: 1 / -1; }.metric.primary { grid-column: 1 / -1; }.form-panel, .result-panel { padding: 19px; }.site-footer { align-items: flex-start; flex-direction: column; gap: 12px; }.footer-nav { gap: 12px; }.ledger-sticker { right: -28px; }.content-page h1 { font-size: 42px; } }

/* Readability pass: calmer typography, clearer hierarchy, and larger controls. */
:root { font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Microsoft YaHei", "Noto Sans CJK SC", sans-serif; }
body, button, input, select { font-family: inherit; }
body { font-size: 15px; line-height: 1.6; }
.site-header { padding-block: 18px; }
.main-nav { font-size: 14px; }
.header-trust { font-size: 12px; }
.eyebrow { font-size: 12px; letter-spacing: .1em; }
.hero h1 { max-width: 700px; font-size: clamp(40px, 5.2vw, 62px); line-height: 1.08; letter-spacing: -.035em; font-weight: 750; }
.hero p { font-size: 18px; line-height: 1.7; }
.hero-note { font-size: 13px; }
.trust-item strong { font-size: 14px; }
.trust-item span { font-size: 13px; line-height: 1.5; }
.section-head h2 { font-size: 32px; letter-spacing: -.025em; }
.section-head p { font-size: 14px; line-height: 1.7; }
.tool-card h3 { font-size: 20px; letter-spacing: -.02em; }
.tool-card p { font-size: 14px; line-height: 1.65; }
.tool-link { font-size: 14px; }
.process-step b { font-size: 13px; }
.process-step h3 { font-size: 16px; }
.process-step p { font-size: 14px; line-height: 1.7; }
.faq-item summary { font-size: 15px; }
.faq-item p { font-size: 14px; line-height: 1.7; }
.tool-page h1 { font-size: clamp(36px, 4.8vw, 50px); line-height: 1.08; letter-spacing: -.03em; font-weight: 750; }
.back-link { font-size: 13px; }
.tool-page-head p { font-size: 15px; line-height: 1.6; }
.tool-limit { font-size: 12px; }
.form-panel h2 { font-size: 20px; letter-spacing: -.02em; }
.form-panel > p { font-size: 14px; line-height: 1.65; }
.field label { font-size: 14px; font-weight: 700; }
.field label span { font-size: 12px; }
.field input, .field select { min-height: 46px; padding: 11px 12px; font-size: 15px; }
.field-help { font-size: 12px; line-height: 1.6; }
.choice span { font-size: 13px; }
.btn { min-height: 44px; padding-inline: 17px; font-size: 14px; font-weight: 700; }
.btn-quiet { min-height: 38px; font-size: 12px; }
.estimate-note { font-size: 13px; line-height: 1.65; }
.result-panel h2 { font-size: 21px; }
.result-panel > p { font-size: 14px; line-height: 1.65; }
.result-loading { font-size: 14px; }
.metric-label { font-size: 12px; }
.metric-value { font-size: 23px; font-weight: 750; letter-spacing: -.025em; }
.breakdown-head { font-size: 12px; }
.legend { font-size: 12px; }
.result-subhead h3 { font-size: 16px; }
.result-subhead span { font-size: 12px; }
.schedule-table { font-size: 12px; }
.schedule-table th, .schedule-table td { padding: 10px 11px; }
.compare-card small { font-size: 12px; }
.compare-card strong { font-size: 26px; letter-spacing: -.025em; }
.compare-card p { font-size: 13px; }
.saving-callout { font-size: 14px; line-height: 1.65; }
.side-card h2 { font-size: 17px; }
.side-card p { font-size: 13px; }
.side-list li { font-size: 13px; line-height: 1.65; }
.related-tools a { font-size: 13px; }
.content-page h1 { font-size: clamp(38px, 5.5vw, 56px); line-height: 1.08; letter-spacing: -.03em; font-weight: 750; }
.content-section h2 { font-size: 26px; letter-spacing: -.02em; }
.content-section p, .content-section li { font-size: 14px; line-height: 1.8; }
.content-table { font-size: 13px; }
.content-table th, .content-table td { line-height: 1.7; }
.note-box { font-size: 13px; }
.site-footer { font-size: 12px; }
.footer-brand { font-size: 14px; }
.optional-section-title strong { font-size: 14px; }
.optional-section-title span { font-size: 12px; }
:lang(zh-CN) .hero h1, :lang(zh-CN) .tool-page h1, :lang(zh-CN) .content-page h1, :lang(zh-CN) .section-head h2, :lang(zh-CN) .tool-card h3, :lang(zh-CN) .content-section h2 { letter-spacing: -.012em; }

/* Keep the tool breadcrumb aligned across Chinese and English fonts. */
.tool-page-head > div:first-child {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  column-gap: 12px;
  row-gap: 0;
}
.tool-page-head > div:first-child .back-link {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
  margin: 0;
  line-height: 1.25;
}
.tool-page-head > div:first-child .eyebrow {
  flex: 0 0 auto;
  margin: 0;
  line-height: 1.25;
}
.tool-page-head > div:first-child h1,
.tool-page-head > div:first-child > p {
  flex: 0 0 100%;
}
.market-field {
  grid-column: 1 / -1;
  margin-top: 0;
  padding: 14px;
  border: 1px solid #dbe7fa;
  border-radius: 13px;
  background: var(--blue-soft);
}
.market-field label { margin-bottom: 7px; }
.market-field .field-help { margin-bottom: 0; }
.market-field select { border-color: #cfe0ff; }
.cancel-panel { min-height: 210px; display: grid; place-items: center; align-content: center; gap: 8px; color: var(--ink-soft); text-align: center; }
.cancel-panel strong { color: var(--ink); font-size: 18px; }
.cancel-panel p { max-width: 420px; margin: 0 0 7px; color: var(--muted); font-size: 14px; line-height: 1.65; }
.cancel-calculation { margin-top: 12px; }
.breakdown-chart { display: block; width: 100%; height: 10px; overflow: hidden; border-radius: 99px; background: var(--line-soft); }
.breakdown-chart .principal { fill: var(--blue); }
.breakdown-chart .interest { fill: var(--amber); }
.breakdown-chart .tax { fill: #75bea8; }
.breakdown-chart .insurance { fill: #a695d7; }
.breakdown-chart .hoa { fill: #8da4bc; }
@media (max-width: 630px) {
  .hero h1 { font-size: 42px; line-height: 1.12; }
  .hero p { font-size: 16px; }
  .section-head h2 { font-size: 29px; }
  .tool-card h3 { font-size: 19px; }
  .form-panel, .result-panel { padding: 21px; }
  .field label { font-size: 13px; }
  .field input, .field select { font-size: 15px; }
  .metric-value { font-size: 21px; }
}

/* Depth pass: keep a white canvas while separating surfaces, cards, and results. */
:root {
  --surface-soft: #f8fafc;
  --surface-muted: #f3f6fa;
  --shadow-card: 0 8px 24px rgba(32, 58, 91, .065);
  --shadow-panel: 0 16px 38px rgba(32, 58, 91, .075);
}

body {
  background: #fff;
}

.site-header {
  border-bottom: 1px solid #f0f3f7;
  background: #fff;
}

.page, .tool-page, .content-page {
  position: relative;
}

.page::before, .tool-page::before, .content-page::before {
  position: absolute;
  z-index: -1;
  top: 0;
  right: -40vw;
  bottom: 0;
  left: -40vw;
  content: "";
  background: linear-gradient(180deg, #fff 0%, #fbfcfe 48%, #fff 100%);
}

.tool-card {
  background: #fff;
  box-shadow: var(--shadow-card);
}

.tool-card:hover {
  box-shadow: 0 16px 34px rgba(32, 58, 91, .11);
}

.panel {
  background: #fff;
  box-shadow: var(--shadow-panel);
}

.form-panel {
  border-top: 3px solid #eaf1ff;
}

.result-panel {
  border-top: 3px solid #cfe0ff;
  background: linear-gradient(180deg, #fff 0%, #f8fbff 100%);
  box-shadow: 0 20px 44px rgba(38, 103, 216, .105);
}

.side-card {
  background: var(--surface-soft);
  box-shadow: 0 8px 22px rgba(32, 58, 91, .045);
}

.ad-slot {
  background: var(--surface-soft);
}

.trust-strip {
  box-shadow: 0 12px 28px rgba(32, 58, 91, .075);
}

.trust-icon {
  width: 43px;
  height: 43px;
  color: var(--blue);
  background: linear-gradient(145deg, #eef4ff, #e6efff);
  box-shadow: inset 0 0 0 1px rgba(38, 103, 216, .04), 0 5px 12px rgba(38, 103, 216, .08);
}

.trust-icon svg {
  display: block;
  width: 21px;
  height: 21px;
}

.trust-item:nth-child(2) .trust-icon {
  color: var(--mint-ink);
  background: linear-gradient(145deg, #ecfaf6, #e1f5ef);
  box-shadow: inset 0 0 0 1px rgba(20, 122, 104, .04), 0 5px 12px rgba(20, 122, 104, .08);
}

.trust-item:nth-child(3) .trust-icon {
  color: #8a6224;
  background: linear-gradient(145deg, #fff8eb, #fff1d6);
  box-shadow: inset 0 0 0 1px rgba(138, 98, 36, .04), 0 5px 12px rgba(138, 98, 36, .08);
}

.language-switcher {
  position: relative;
  display: inline-block;
  padding: 0;
  border: 0;
  border-radius: 10px;
  background: transparent;
}

.language-summary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-width: 118px;
  padding: 8px 10px;
  border: 1px solid var(--line);
  border-radius: 10px;
  color: var(--ink-soft);
  background: #fff;
  box-shadow: 0 3px 10px rgba(32, 58, 91, .04);
  cursor: pointer;
  font-size: 12px;
  list-style: none;
}

.language-summary::-webkit-details-marker { display: none; }
.language-summary-code { color: var(--muted); font-size: 10px; font-weight: 800; }
.language-summary-name { flex: 1; font-weight: 650; text-align: left; }
.language-summary-arrow { color: var(--muted); font-size: 14px; line-height: 1; }
.language-switcher[open] .language-summary { border-color: #b6cdfb; box-shadow: 0 0 0 3px rgba(38, 103, 216, .08); }

.language-menu {
  position: absolute;
  z-index: 30;
  top: calc(100% + 8px);
  right: 0;
  display: grid;
  min-width: 190px;
  padding: 6px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
  box-shadow: 0 14px 30px rgba(32, 58, 91, .14);
}

.language-switcher .language-menu button {
  display: grid;
  grid-template-columns: 30px 1fr 16px;
  align-items: center;
  gap: 6px;
  width: 100%;
  min-width: 0;
  min-height: 35px;
  padding: 7px 9px;
  border: 0;
  border-radius: 8px;
  color: var(--ink-soft);
  background: transparent;
  font-size: 13px;
  font-weight: 500;
  text-align: left;
}

.language-switcher .language-menu button:hover,
.language-switcher .language-menu button.is-active {
  color: var(--ink);
  background: #f3f4f6;
}

.language-code { color: var(--muted); font-size: 11px; font-weight: 750; }
.language-check { color: var(--blue); font-size: 15px; font-weight: 850; text-align: right; }

@media (max-width: 630px) {
  .language-summary { min-width: 86px; padding: 7px 8px; }
  .language-summary-name { display: none; }
  .language-menu { right: -4px; }
}

/* Mobile performance: show an immediate shell and defer off-screen paint. */
.app-loading-shell {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(260px, .95fr);
  gap: 48px;
  align-items: center;
  min-height: 520px;
  padding: 54px 0 70px;
}
.app-loading-copy { display: grid; gap: 13px; }
.app-loading-copy span,
.app-loading-copy strong,
.app-loading-copy p,
.app-loading-copy i,
.app-loading-card {
  display: block;
  border-radius: 999px;
  background: #f1f4f8;
}
.app-loading-copy span { width: 128px; height: 13px; }
.app-loading-copy strong { width: min(100%, 540px); height: 48px; }
.app-loading-copy strong:nth-child(3) { width: min(78%, 420px); }
.app-loading-copy p { width: min(92%, 500px); height: 15px; margin: 7px 0 0; }
.app-loading-copy p:nth-child(5) { width: min(72%, 390px); margin-top: -5px; }
.app-loading-copy i { width: 154px; height: 42px; margin-top: 12px; border-radius: 11px; }
.app-loading-card { height: 314px; border-radius: 22px; background: #f7f9fc; }

@media (max-width: 630px) {
  .app-loading-shell {
    grid-template-columns: 1fr;
    gap: 28px;
    min-height: 560px;
    padding: 34px 0 50px;
  }
  .app-loading-copy { gap: 11px; }
  .app-loading-copy strong { height: 37px; }
  .app-loading-card { height: 228px; }
  .hero-glow { display: none; }
  .ledger-card { box-shadow: 0 14px 34px rgba(32, 58, 91, .11); transform: none; }
  .ledger-sticker { box-shadow: 0 7px 18px rgba(32, 58, 91, .09); }
  .hero-art,
  .trust-strip,
  .tool-grid,
  .process,
  .home-faq,
  .site-footer {
    content-visibility: auto;
    contain-intrinsic-size: auto 320px;
  }
  .tool-card,
  .panel,
  .trust-strip { box-shadow: 0 5px 16px rgba(32, 58, 91, .05); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    scroll-behavior: auto !important;
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
}