:root{--bg-rgb:255,255,255;--ink-rgb:28,25,23;--brand-rgb:248,152,39;--brand-soft-rgb:180,83,9;--trust-rgb:20,76,41;--trust-deep-rgb:15,58,31;--good-rgb:20,76,41;--warn-rgb:154,52,18;--bad-rgb:185,28,28;--slate-rgb:87,83,78;--perk-rgb:109,40,217;--meter-rgb:3,105,161;--freebie-rgb:21,128,61;--bg:#fff;--surface:rgba(var(--ink-rgb),.035);--surface-2:rgba(var(--ink-rgb),.06);--line:rgba(var(--ink-rgb),.1);--line-strong:rgba(var(--slate-rgb),.28);--ink:#1c1917;--ink-strong:#0c0a09;--ink-soft:#292524;--ink-dim:#57534e;--ink-muted:#57534e;--ink-faint:#6b625c;--brand:#f89827;--brand-text:#b45309;--brand-soft:#b45309;--on-brand:#1c1917;--brand-wash:rgba(var(--brand-rgb),.1);--brand-edge:rgba(var(--brand-rgb),.3);--trust:#144c29;--trust-deep:#0f3a1f;--trust-soft:#2d7a4a;--on-trust:#fff;--trust-wash:rgba(var(--trust-rgb),.07);--trust-edge:rgba(var(--trust-rgb),.22);--good:#144c29;--good-soft:#14663a;--good-wash:rgba(var(--good-rgb),.07);--good-edge:rgba(var(--good-rgb),.22);--warn-ink:#9a3412;--warn-wash:rgba(var(--warn-rgb),.07);--warn-edge:rgba(var(--warn-rgb),.28);--bad:#b91c1c;--bad-soft:#dc2626;--perk:#6d28d9;--meter:#0369a1;--freebie:#15803d;--hero-bg:#0b1220;--hero-ink:#fff;--hero-ink-muted:#b6c0d0;--hero-brand:#f89827;--hero-faint:#8fa0b8;--hero-line:#ffffff1f;--censor:#e7e0d6;--shadow:0 1px 3px rgba(var(--ink-rgb),.07), 0 8px 24px rgba(var(--ink-rgb),.05);--radius:12px;--radius-lg:14px;--radius-pill:20px;--muted:var(--ink-muted);--radius-sm:6px;--chart-1:var(--trust);--chart-2:var(--brand-text);--chart-3:var(--meter);--chart-4:var(--ink-faint);--font:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif}*{box-sizing:border-box}body{background:var(--bg);color:var(--ink);font-family:var(--font);margin:0;font-size:15px;line-height:1.5}.calc{max-width:980px;margin:0 auto;padding:20px 16px 48px}.calc h1{margin:0 0 4px;font-size:1.6rem;line-height:1.2}.calc h2{margin:0;font-size:1.15rem}.calc h3{margin:18px 0 8px;font-size:1rem}.calc p{margin:0 0 10px}.calc a{color:var(--trust)}.lede{color:var(--muted);margin-bottom:16px}.muted{color:var(--muted)}.small{font-size:13px}.num{font-variant-numeric:tabular-nums}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px}.stack{gap:14px;display:grid}.fields{grid-template-columns:repeat(auto-fit,minmax(180px,1fr));align-items:start;gap:12px 16px;display:grid}.field{align-content:start;gap:4px;min-width:0;display:grid}.field-pair{grid-column:span 2;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);align-items:start;gap:8px;display:grid}@media (width<=520px){.field-pair{grid-column:auto}}.field label{font-size:13px;font-weight:600}.field .hint{color:var(--muted);font-size:12px}.input-wrap{border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:var(--bg);align-items:center;min-width:0;display:flex}.input-wrap input{width:100%}.input-wrap span{white-space:nowrap;flex:none}.input-wrap:focus-within{border-color:var(--brand-text);box-shadow:0 0 0 2px var(--brand-edge)}.input-wrap span{color:var(--muted);padding:0 8px;font-size:14px}.input-wrap input,select{min-width:0;font:inherit;color:var(--ink);background:0 0;border:0;flex:1;padding:8px}.input-wrap input:focus,select:focus{outline:none}select{border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:var(--bg);width:100%;min-width:0}select:focus{border-color:var(--brand-text);box-shadow:0 0 0 2px var(--brand-edge)}.headline{grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin-top:14px;display:grid}.stat{border-left:3px solid var(--line);padding:2px 0 2px 10px}.stat.main{border-left-color:var(--brand)}.stat .label{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:12px}.stat .value{font-variant-numeric:tabular-nums;font-size:1.35rem;font-weight:700}.stat.main .value{color:var(--brand-text);font-size:1.7rem}.stat .sub{color:var(--muted);font-size:12.5px}details.section{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius)}details.section>summary{cursor:pointer;justify-content:space-between;align-items:center;gap:12px;padding:14px 16px;list-style:none;display:flex}details.section>summary::-webkit-details-marker{display:none}details.section>summary:after{content:"+";color:var(--brand-text);font-size:20px;line-height:1}details.section[open]>summary:after{content:"–"}details.section>summary .teaser{color:var(--muted);font-size:13px;font-weight:400}details.section>.body{border-top:1px solid var(--line);padding:0 16px 16px}details.section>.body>:first-child{margin-top:14px}summary:focus-visible,button:focus-visible{outline:2px solid var(--brand-text);outline-offset:2px}.result{border-radius:var(--radius-sm);border:1px solid #0000;margin-top:14px;padding:12px 14px}.result.good{background:var(--good-wash);border-color:var(--good-edge)}.result.neutral{background:var(--brand-wash)}.result.warn{background:var(--warn-wash);border-color:var(--warn-edge)}.result.warn:before{content:"⚠️";float:left;margin-right:8px}.result strong{font-variant-numeric:tabular-nums}.table-wrap{border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--bg);margin-top:10px;overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:13.5px}th,td{border-bottom:1px solid var(--line);text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums;padding:7px 10px}th:first-child,td:first-child{text-align:left;white-space:normal}th{background:var(--surface-2);color:var(--muted);font-size:12px;font-weight:600}tr:last-child td{border-bottom:0}tr.highlight td{background:var(--good-wash)}button{font:inherit;cursor:pointer}.btn{border:1px solid var(--brand);background:var(--brand);color:var(--on-brand);border-radius:var(--radius-sm);padding:7px 14px;font-weight:700}.btn.secondary{background:var(--bg);color:var(--trust);border-color:var(--trust-edge);font-weight:600}.btn.link{color:var(--trust);background:0 0;border:0;padding:0;font-weight:400;text-decoration:underline}.btn:disabled,.tabs button:disabled{opacity:.5;cursor:not-allowed}.row{flex-wrap:wrap;align-items:end;gap:10px;display:flex}.row .field{flex:140px}.chart{width:100%;height:auto;margin-top:8px;display:block}.legend{color:var(--muted);flex-wrap:wrap;gap:16px;font-size:13px;display:flex}.legend i{vertical-align:middle;width:14px;height:3px;margin-right:6px;display:inline-block}.disclosure{color:var(--muted);font-size:13px}.disclosure strong{color:var(--ink)}@media print{body{background:#fff}details.section{break-inside:avoid}.no-print{display:none!important}}@media (prefers-reduced-motion:reduce){*{transition:none!important}}.loan-cards{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin-top:10px;display:grid}.loan-card{align-content:start;gap:10px;padding:12px;display:grid}.calc header{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:10px 16px;margin-bottom:12px;display:flex}.segmented{border:1px solid var(--line);background:var(--bg);border-radius:999px;gap:2px;padding:3px;display:inline-flex}.segmented button{color:var(--ink);background:0 0;border:0;border-radius:999px;padding:6px 14px;font-size:14px}.segmented button.on{background:var(--brand);color:var(--on-brand);font-weight:600}.tabs{border-bottom:1px solid var(--line);scrollbar-width:thin;gap:4px;margin-bottom:14px;display:flex;overflow:auto hidden}.tabs button{color:var(--muted);white-space:nowrap;background:0 0;border:0;border-bottom:3px solid #0000;margin-bottom:-1px;padding:10px 14px;font-size:14.5px}.tabs button.on{color:var(--ink);border-bottom-color:var(--brand);font-weight:600}.tabs button:hover{color:var(--ink)}.summary-line{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);margin:0;padding:10px 14px;font-size:14px}.stories{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:12px;display:grid}.story{border:1px solid var(--warn-edge);border-left:3px solid 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var(--line);margin-top:14px;padding-top:6px}.budget-group-head{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:4px 12px;display:flex}.budget-group-head h3{margin:6px 0}.budget-line{grid-template-columns:minmax(0,2fr) minmax(0,1fr) minmax(0,1fr) minmax(0,1.2fr) auto;align-items:end;gap:8px 12px;margin-top:8px;display:grid}.budget-line-end{justify-items:end;gap:2px;padding-bottom:8px;display:grid}@media (width<=720px){.budget-line{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}.budget-line-end{justify-items:start}}.budget-income{border:1px solid var(--good-edge);border-radius:var(--radius-sm);background:var(--good-wash);margin-top:12px;padding:10px 12px}.budget-income .field{min-width:150px}table.flow{margin-top:6px;font-size:13.5px}table.flow td{border-bottom:1px solid var(--line);padding:5px 4px}table.flow tr.total td{border-top:2px solid var(--line-strong);font-weight:700}.short{color:var(--bad);font-weight:700}td.txt,th.txt{text-align:left;white-space:normal}table.txns{font-size:12.5px}table.txns select,table.bank-lines select{min-width:160px}fieldset.compare-ways{border:1px solid var(--line);border-radius:var(--radius-sm);flex-wrap:wrap;gap:6px 18px;margin:14px 0 0;padding:8px 12px;display:flex}fieldset.compare-ways legend{padding:0 4px;font-size:13px;font-weight:600}.tone-blue{--tone:var(--meter);--tone-rgb:var(--meter-rgb);--tone-text:var(--meter)}.tone-mango{--tone:var(--brand);--tone-rgb:var(--brand-rgb);--tone-text:var(--brand-text)}.tone-purple{--tone:var(--perk);--tone-rgb:var(--perk-rgb);--tone-text:var(--perk)}.tone-slate{--tone:var(--ink-faint);--tone-rgb:var(--slate-rgb);--tone-text:var(--ink-dim)}.tone-green{--tone:var(--trust);--tone-rgb:var(--trust-rgb);--tone-text:var(--trust)}.card[class*=tone-],details.section[class*=tone-]{background:rgba(var(--tone-rgb), .06);border-color:rgba(var(--tone-rgb), .25);border-top:5px solid var(--tone)}.card.tone-mango,details.section.tone-mango{border-color:var(--line);border-top-color:var(--tone)}.card[class*=tone-]>h2,details.section[class*=tone-]>summary h2,.card[class*=tone-] h3{color:var(--tone-text)}details.section[class*=tone-]>.body{border-top-color:rgba(var(--tone-rgb), .2)}.hh-source{flex-wrap:wrap;align-items:center;gap:8px 14px;margin-top:12px;display:flex}.hh-source label.btn{cursor:pointer}.calc-menu{flex-wrap:wrap;gap:6px;max-width:980px;margin:0 auto;padding:14px 16px 0;display:flex}.calc-menu a{border:1px solid var(--line);background:var(--bg);color:var(--ink);border-radius:999px;padding:6px 14px;font-size:14px;text-decoration:none}.calc-menu a:hover{border-color:var(--line-strong)}.calc-menu a.on{background:var(--brand);border-color:var(--brand);color:var(--on-brand);font-weight:600}table.txns .tag{border-radius:var(--radius-pill);background:rgba(var(--meter-rgb), .1);color:var(--meter);white-space:nowrap;margin-left:6px;padding:0 6px;font-size:11px;display:inline-block}table.txns tr.unsorted td{background:rgba(var(--brand-rgb), .08)}.new-cat{flex-wrap:wrap;align-items:center;gap:4px;display:inline-flex}.new-cat input{min-width:140px}.calc-menu .calc-version{color:var(--ink-faint);white-space:nowrap;align-self:center;margin-left:auto;font-size:12px}.same-payee{z-index:5;box-shadow:var(--shadow);background:var(--bg);position:sticky;top:8px}