:root{
  --bg:#f6f8fb;--surface:#fff;--text:#152238;--muted:#5f6b7a;--border:#dbe2ea;
  --accent:#1259d6;--accent-dark:#0b43aa;--soft:#eef4ff;--good:#087a55;
  --shadow:0 16px 40px rgba(24,39,75,.08);--radius:18px;--max:1120px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{color:var(--accent)}
button,input,select{font:inherit}
button{cursor:pointer}
.container{width:min(var(--max),calc(100% - 32px));margin-inline:auto}
.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px;z-index:999}
.skip-link:focus{left:8px}
.site-header{background:rgba(255,255,255,.96);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50;backdrop-filter:blur(8px)}
.header-inner{min-height:66px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--text);font-weight:800;letter-spacing:-.02em}
.brand-mark{display:grid;place-items:center;width:32px;height:32px;border-radius:10px;background:var(--accent);color:white}
.top-nav{display:flex;gap:20px}
.top-nav a{text-decoration:none;color:var(--muted);font-weight:600;font-size:.94rem}
.hero{padding:54px 0 26px;background:linear-gradient(180deg,#fff 0%,var(--bg) 100%)}
.eyebrow{font-weight:700;color:var(--accent);font-size:.88rem;text-transform:uppercase;letter-spacing:.08em}
h1,h2,h3{line-height:1.15;letter-spacing:-.03em}
h1{font-size:clamp(2.1rem,5vw,3.6rem);margin:.4rem 0 .7rem}
.hero-copy{font-size:1.08rem;color:var(--muted);max-width:760px;margin:0 0 28px}
.calculator-shell{display:grid;grid-template-columns:1fr 1fr;background:var(--surface);border:1px solid var(--border);border-radius:24px;overflow:hidden;box-shadow:var(--shadow)}
.calculator-inputs,.calculator-results{padding:30px}
.calculator-inputs{border-right:1px solid var(--border)}
.calculator-inputs h2{margin-top:0;font-size:1.35rem}
.field{margin:0 0 17px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-size:.9rem;font-weight:700;margin-bottom:7px}
input,select{width:100%;border:1px solid #cbd5e1;border-radius:10px;padding:12px 13px;background:#fff;color:var(--text);outline:none}
input:focus,select:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(18,89,214,.13)}
.input-prefix,.input-suffix{display:flex;align-items:center;border:1px solid #cbd5e1;border-radius:10px;background:#fff;overflow:hidden}
.input-prefix:focus-within,.input-suffix:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px rgba(18,89,214,.13)}
.input-prefix span,.input-suffix span{padding:0 12px;color:var(--muted);font-weight:700}
.input-prefix input,.input-suffix input{border:0;border-radius:0;box-shadow:none!important}
.advanced{margin:4px 0 18px;border:1px solid var(--border);border-radius:12px;padding:0 14px}
.advanced summary{padding:12px 0;font-weight:700;color:var(--accent)}
.advanced[open]{padding-bottom:4px}
.muted,.privacy-note{color:var(--muted);font-weight:400}
.calculate-button{width:100%;border:0;border-radius:11px;background:var(--accent);color:#fff;padding:14px 18px;font-weight:800}
.calculate-button:hover{background:var(--accent-dark)}
.privacy-note{font-size:.8rem;text-align:center;margin:9px 0 0}
.calc-error{color:#b42318;font-size:.87rem;font-weight:700;margin-top:8px;min-height:1.3em}
.calculator-results{background:#fbfdff;display:flex;flex-direction:column;justify-content:center}
.result-kicker{color:var(--muted);font-weight:700}
.monthly-payment{font-size:clamp(2.3rem,5vw,3.7rem);font-weight:850;letter-spacing:-.04em;margin:2px 0 20px}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.result-grid div{padding:12px;border:1px solid var(--border);border-radius:11px;background:white}
.result-grid span{display:block;color:var(--muted);font-size:.8rem}
.result-grid strong{font-size:.98rem}
.bar{display:flex;height:12px;border-radius:99px;overflow:hidden;margin:22px 0 7px;background:#e5eaf0}
#principalBar{background:var(--accent);width:80%}
#interestBar{background:#8db4f1;width:20%}
.bar-legend{display:flex;justify-content:space-between;color:var(--muted);font-size:.78rem}
.result-disclaimer{color:var(--muted);font-size:.8rem;margin:18px 0 0}
.quick-examples,.schedule-section,.content-section{padding:28px 0}
.quick-examples h2{font-size:1.15rem}
.amount-buttons{display:flex;gap:9px;flex-wrap:wrap}
.amount-buttons button,.secondary-button{border:1px solid var(--border);background:#fff;color:var(--text);border-radius:10px;padding:9px 13px;font-weight:700}
.amount-buttons button:hover,.secondary-button:hover{border-color:var(--accent);color:var(--accent)}
.section-heading{display:flex;align-items:end;justify-content:space-between;gap:20px}
.section-heading h2{margin-bottom:4px}
.section-heading p{margin:0;color:var(--muted)}
.schedule-wrap{margin-top:18px;border:1px solid var(--border);border-radius:14px;background:#fff;overflow:hidden}
.table-scroll{overflow:auto;max-height:540px}
table{border-collapse:collapse;width:100%;font-size:.9rem}
th,td{padding:10px 13px;text-align:right;border-bottom:1px solid var(--border);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:#f7f9fc;z-index:1}
.prose{max-width:840px}
.prose h2{margin-top:38px;font-size:1.65rem}
.prose p{color:#354154}
.formula-card{border:1px solid var(--border);background:#fff;border-radius:14px;padding:20px}
.formula-card code{display:block;margin:12px 0;padding:12px;background:#f5f7fa;border-radius:9px;overflow:auto}
.faq details{background:#fff;border:1px solid var(--border);border-radius:12px;padding:0 16px;margin:10px 0}
.faq summary{padding:15px 0;font-weight:750}
.page-main{padding:48px 0 72px}
.page-content{background:#fff;border:1px solid var(--border);border-radius:18px;padding:30px}
.site-footer{margin-top:46px;padding:34px 0;background:#101828;color:#d0d5dd}
.site-footer a{color:#fff}
.footer-note{max-width:800px}
.footer-nav{display:flex;flex-wrap:wrap;gap:14px;margin:18px 0}
.footer-nav a{text-decoration:none;font-size:.9rem}
.inline-button{display:inline-block;text-decoration:none}
@media(max-width:760px){
  .top-nav{display:none}
  .hero{padding-top:34px}
  .calculator-shell{grid-template-columns:1fr}
  .calculator-inputs{border-right:0;border-bottom:1px solid var(--border)}
  .calculator-inputs,.calculator-results{padding:21px}
  .result-grid{grid-template-columns:1fr 1fr}
  .field-row{grid-template-columns:1fr 1fr}
  .section-heading{align-items:start;flex-direction:column}
}
@media(max-width:430px){
  .container{width:min(var(--max),calc(100% - 20px))}
  .field-row,.result-grid{grid-template-columns:1fr}
  .brand{font-size:.88rem}
}


/* v1.2 UI refinements */
.menu-toggle{display:none;border:0;background:transparent;padding:8px;margin-left:auto}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--text);margin:5px 0;border-radius:2px}
.calc-actions{display:grid;grid-template-columns:1fr auto;gap:10px}
.reset-button{border:1px solid var(--border);background:#fff;color:var(--text);border-radius:11px;padding:14px 16px;font-weight:750}
.reset-button:hover{border-color:var(--accent);color:var(--accent)}
.comparison-card{margin-top:18px;background:#fff;border:1px solid var(--border);border-radius:18px;padding:22px;box-shadow:0 8px 28px rgba(24,39,75,.04)}
.section-minihead h2{font-size:1.25rem;margin:0 0 4px}
.section-minihead p{color:var(--muted);margin:0 0 16px}
.comparison-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.term-card{border:1px solid var(--border);border-radius:12px;padding:14px;background:#fbfdff}
.term-card strong,.term-card span,.term-card small{display:block}
.term-card span{font-size:1.05rem;font-weight:800;margin-top:3px}
.term-card small{color:var(--muted);margin-top:3px}
.ad-zone{min-height:1px;margin:30px auto;max-width:970px}
.ad-zone-content{margin:38px 0}
@media(max-width:760px){
  .menu-toggle{display:block}
  .top-nav{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;border-bottom:1px solid var(--border);padding:12px 16px 16px;box-shadow:0 10px 24px rgba(24,39,75,.08)}
  .top-nav.is-open{display:flex;flex-direction:column;gap:0}
  .top-nav a{padding:11px 4px;border-bottom:1px solid #eef1f5}
  .top-nav a:last-child{border-bottom:0}
  .comparison-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:430px){
  .calc-actions{grid-template-columns:1fr}
  .comparison-grid{grid-template-columns:1fr}
}

/* v1.3 SEO guide UI */
.related-guides{margin-top:42px}
.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:16px}
.guide-grid a{display:flex;flex-direction:column;text-decoration:none;border:1px solid var(--border);background:#fff;border-radius:13px;padding:16px;color:var(--text)}
.guide-grid a:hover{border-color:var(--accent);box-shadow:0 8px 22px rgba(24,39,75,.06)}
.guide-grid span{font-size:.86rem;color:var(--muted);margin-top:3px}
.responsive-table{overflow-x:auto;margin:20px 0}
.page-content table{width:100%;border-collapse:collapse}
.page-content th,.page-content td{border:1px solid var(--border);padding:11px;text-align:right}
.page-content th:first-child,.page-content td:first-child{text-align:left}
.primary-link-button{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;padding:11px 15px;border-radius:10px;font-weight:750}
@media(max-width:620px){.guide-grid{grid-template-columns:1fr}}