:root{--paper: #ffffff;--sheet: #ffffff;--rule: #e2e8f0;--rule-strong: #cbd5e1;--ink: #0e334b;--ink-soft: #475569;--ink-faint: #596b7d;--navy: #0e334b;--blue: #2470ac;--cyan: #43c7f4;--blue-wash: #eef6fc;--cyan-wash: #effaff;--spruce: var(--navy);--spruce-2: var(--blue);--spruce-wash: var(--blue-wash);--copper: var(--blue);--copper-wash: var(--cyan-wash);--error: #a3271f;--error-wash: #fbe9e5;--warn: #8a5a0b;--warn-wash: #f8edd2;--font-sans: ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif;--font-serif: var(--font-sans);--font-mono: ui-monospace, "SF Mono", "Cascadia Mono", Menlo, Consolas, monospace;--radius: 10px;color-scheme:light}*,*:before,*:after{box-sizing:border-box}html,body{margin:0}body{background:var(--paper);color:var(--ink);font:15px/1.45 var(--font-sans);-webkit-font-smoothing:antialiased;min-height:100dvh}#root{position:relative}button,input,select{font:inherit;color:inherit}:focus-visible{outline:2px solid var(--copper);outline-offset:2px}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.shell{max-width:1240px;margin:0 auto;padding:20px 20px 48px}.masthead{display:flex;align-items:flex-end;justify-content:space-between;gap:16px;flex-wrap:wrap;border-bottom:2px solid var(--cyan);padding-bottom:16px;margin-bottom:20px}.masthead h1{font:700 28px/1.15 var(--font-sans);margin:0;letter-spacing:-.02em;color:var(--navy)}.masthead p{margin:4px 0 0;color:var(--ink-soft);font-size:13px}.mark{font:11px var(--font-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--copper)}.toolbar{display:flex;gap:10px;align-items:center;flex-wrap:wrap}.segmented{display:inline-flex;background:#f8fafc;border:1px solid var(--rule);border-radius:var(--radius);padding:3px}.segmented button{border:0;background:transparent;padding:0 14px;min-height:40px;border-radius:7px;cursor:pointer;font-weight:600;font-size:14px;color:var(--ink-soft);transition:background-color .15s,color .15s}.segmented button:hover{color:var(--blue);background:var(--blue-wash)}.segmented button[aria-checked=true]{background:var(--blue);color:#fff}.btn-ghost{min-height:44px;padding:0 14px;border:1px solid var(--rule-strong);border-radius:var(--radius);background:var(--sheet);cursor:pointer;font-weight:600;font-size:14px;color:var(--ink);display:inline-flex;align-items:center;gap:6px;transition:border-color .15s,color .15s}.btn-ghost:hover{border-color:var(--copper);color:var(--copper)}.layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,440px);gap:18px;align-items:start}@media(max-width:900px){.layout{grid-template-columns:1fr}}.panel{background:var(--sheet);border:1px solid var(--rule);border-radius:var(--radius);box-shadow:0 4px 18px -6px #0e334b1f}.results{position:sticky;top:16px}@media(max-width:900px){.results{position:static}}.section{padding:16px 18px;border-top:1px solid var(--rule)}.section:first-child{border-top:0}.section-head{display:flex;align-items:baseline;gap:10px;margin:0 0 12px}.section-head h2{font:600 13px var(--font-sans);letter-spacing:.08em;text-transform:uppercase;margin:0;color:var(--spruce)}.section-head .idx{font:12px var(--font-mono);color:var(--copper)}.section-head .note{margin-left:auto;font-size:12px;color:var(--ink-faint)}.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:12px 14px}.field label{display:flex;justify-content:space-between;gap:6px;font-size:13px;font-weight:600;margin-bottom:4px}.field .tag{font:10px var(--font-mono);letter-spacing:.06em;text-transform:uppercase;color:var(--ink-faint);font-weight:400;align-self:center}.field-equivalent{color:var(--blue);font-size:12px;white-space:nowrap}.down-payment{min-width:0}.down-payment-mode{display:flex;align-items:center;gap:1px;padding:2px;border-right:1px solid var(--rule);border-radius:var(--radius) 0 0 var(--radius);background:#f8fafc}.down-payment-mode button{flex:none;min-height:44px;min-width:44px;padding:0;border:0;border-radius:6px;background:transparent;color:var(--ink-soft);font-size:16px;font-weight:600;cursor:pointer}.down-payment-mode button:hover{background:var(--blue-wash);color:var(--blue)}.down-payment-mode button[aria-pressed=true]{background:var(--blue);color:#fff}.input-wrap{display:flex;align-items:stretch;border:1px solid var(--rule-strong);border-radius:var(--radius);background:#fff;transition:border-color .15s,box-shadow .15s}.input-wrap:focus-within{border-color:var(--cyan);box-shadow:0 0 0 3px #43c7f433}.input-wrap .affix{display:grid;place-items:center;padding:0 9px;font:12px var(--font-mono);color:var(--ink-faint);background:#f8fafc}.input-wrap .affix.pre{border-right:1px solid var(--rule);border-radius:var(--radius) 0 0 var(--radius)}.input-wrap .affix.post{border-left:1px solid var(--rule);border-radius:0 var(--radius) var(--radius) 0}.input-wrap input{flex:1;min-width:0;border:0;background:transparent;min-height:42px;padding:0 10px;font:15px var(--font-mono);outline:none}.field.invalid .input-wrap{border-color:var(--error);background:var(--error-wash)}.field .hint{font-size:12px;color:var(--ink-faint);margin-top:4px}.field .err{font-size:12px;color:var(--error);margin-top:4px;font-weight:600}select.select{width:100%;min-height:44px;border:1px solid var(--rule-strong);border-radius:var(--radius);appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='m1 1 5 5 5-5' fill='none' 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12px;border:1px solid var(--cyan);border-radius:var(--radius);background:var(--cyan-wash)}.program b{font:600 17px var(--font-serif);color:var(--copper)}.program span{font-size:12px;color:var(--ink-soft)}.meter{height:8px;border-radius:4px;background:var(--rule);position:relative;overflow:hidden;margin:6px 0 2px}.meter i{position:absolute;inset:0 auto 0 0;width:100%;background:var(--spruce-2);transform-origin:left;transition:transform .35s ease}.meter i.over{background:var(--error)}.meter b{position:absolute;top:-2px;bottom:-2px;width:2px;background:var(--copper)}.meter-legend{display:flex;justify-content:space-between;font:11px var(--font-mono);color:var(--ink-faint)}.missing{margin:0;padding:0;list-style:none;display:grid;gap:4px}.missing li{font-size:13px;padding-left:14px;position:relative;color:var(--ink-soft)}.missing li:before{content:"";position:absolute;left:0;top:7px;width:6px;height:6px;border:1px solid var(--copper);transform:rotate(45deg)}details.assumptions summary{cursor:pointer;font-weight:600;font-size:13px;color:var(--spruce);min-height:44px;display:flex;align-items:center;list-style:none}details.assumptions summary::-webkit-details-marker{display:none}details.assumptions summary:before{content:"+";font-family:var(--font-mono);width:18px;color:var(--copper)}details.assumptions[open] summary:before{content:"−"}details.assumptions ol{margin:0;padding-left:18px;font-size:13px;color:var(--ink-soft);display:grid;gap:6px}details.assumptions code{font:12px var(--font-mono);background:var(--paper);padding:1px 4px;border-radius:3px;color:var(--ink)}.disclaimer{font-size:11.5px;color:var(--ink-faint);padding:12px 18px 16px;border-top:1px solid var(--rule)}.email-results{margin-top:18px;padding:18px}.email-results h2{margin:0 0 8px;color:var(--navy);font-size:18px}.email-disclosure,.email-help{font-size:12px;color:var(--ink-soft);line-height:1.5}.email-disclosure{margin:0 0 14px}.email-results label{display:block;font-size:13px;font-weight:600;margin-bottom:5px}.email-row{display:flex;align-items:stretch;gap:10px}.email-row input{flex:1;min-width:0;min-height:44px;border:1px solid var(--rule-strong);border-radius:var(--radius);padding:10px 12px;background:#fff}.btn-primary{min-height:44px;border:1px solid var(--blue);background:var(--blue);color:#fff;border-radius:var(--radius);padding:10px 20px;font-weight:600;cursor:pointer}.btn-primary:hover:not(:disabled){background:var(--navy);border-color:var(--navy)}.btn-primary:disabled{opacity:.55;cursor:not-allowed}@media(max-width:560px){.email-row{flex-wrap:wrap}.email-row input{flex-basis:100%;font-size:16px}.email-row button{width:100%}}.fade{animation:fade .25s ease both}@keyframes fade{0%{opacity:0;transform:translateY(3px)}to{opacity:1;transform:none}}@media(max-width:560px){.shell{padding:14px 12px 40px}.segmented{width:100%}.segmented button{flex:1;padding:0 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