:root{--ink:#172e48;--green:#234d76;--accent:#d8c29d;--muted:#617185;--line:#dbe2ea;--bg:#f6f8fb}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}a{color:inherit}header{height:91px;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;padding:0 max(5vw,24px);gap:25px}.brand{font-weight:800;font-size:22px;letter-spacing:-1px;text-decoration:none}.brand span{color:#a88c5d;margin:0 3px}.brand .dot{font-size:15px;color:var(--muted);margin:0}nav{display:flex;gap:30px;font-size:14px}nav a{text-decoration:none}.edition,.section-label,.eyebrow{font-size:11px;letter-spacing:1.6px;font-weight:700}.edition{color:var(--muted)}main{max-width:1160px;margin:auto;padding:0 24px}.crumb{font-size:12px;color:var(--muted);margin:28px 0 36px}.intro{max-width:780px;padding-bottom:36px}.eyebrow{color:#79633f}h1{font-size:clamp(30.4px,4vw,51.2px);line-height:1.08;letter-spacing:-2.5px;font-weight:500;margin:18px 0 23px}h1 span{color:#617d9b}.intro p{max-width:620px;font-size:17px;color:#53657a}.tags{display:flex;gap:22px;font-size:12px;color:#526b86;flex-wrap:wrap}.tags span:before{content:'✓';margin-right:6px}.calculator{display:grid;grid-template-columns:0.88fr 1.12fr;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:0 12px 35px #172e4808;background:white}.inputs{padding:34px}.inputs h2{font-size:27px;margin:12px 0 24px;letter-spacing:-.8px}.section-label{color:#59718c}label{display:flex;justify-content:space-between;font-size:14px;font-weight:600;margin:19px 0 7px}label span{color:var(--muted);font-weight:400}input{width:100%;padding:13px 15px;font-size:23px;font-family:inherit;border:1px solid #cbd6e2;border-radius:7px;color:var(--ink);background:#fbfcfe}input:focus{outline:2px solid #688ab0;outline-offset:2px}.field-note{font-size:11px;color:var(--muted);line-height:1.5;margin:8px 0}.presets{display:flex;gap:7px;margin:12px 0 24px}button{cursor:pointer;font-family:inherit}button:hover{filter:brightness(.95)}button:focus-visible,a:focus-visible,summary:focus-visible{outline:3px solid #9b7945;outline-offset:3px}.presets button{background:white;border:1px solid var(--line);border-radius:20px;padding:6px 12px;color:var(--ink);font-size:11px}.primary{background:var(--green);border:0;color:white;font-size:15px;padding:15px 20px;width:100%;border-radius:7px;display:flex;justify-content:space-between}.results{background:#edf2f8;padding:34px 38px}.monthly{font-size:58px;font-weight:500;letter-spacing:-2px;line-height:1.25;margin-top:20px}.monthly-label{margin:0 0 25px;color:var(--muted);font-size:13px}.metrics{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid #d1dce9;padding-top:20px;gap:12px}.metrics span{display:block;font-size:12px;color:var(--muted)}.metrics strong{font-size:21px;font-weight:500}.chart-svg{width:100%;height:auto;display:block;margin-top:15px;overflow:visible}.legend{display:flex;justify-content:space-between;font-size:11px;color:#596e86}.legend i{display:inline-block;width:8px;height:8px;background:var(--green);border-radius:50%;margin-right:6px}.interpretation{font-size:13px;line-height:1.6;margin-top:20px}.actions{display:flex;gap:14px;flex-wrap:wrap}.actions button{border:0;border-bottom:1px solid #889cb3;padding:4px 0;background:transparent;font-size:11px;color:var(--ink)}#status{font-size:12px;margin:4px 0}.model-note{font-size:11px;color:var(--muted);max-width:930px;margin:15px 0 42px}.comparison{display:grid;grid-template-columns:.8fr 1.2fr;gap:36px;padding:28px 0}.comparison h2{font-size:25px;line-height:1.2;letter-spacing:-.5px;margin:13px 0}.comparison p{font-size:13px;color:var(--muted)}.compare-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.compare-card{background:white;border:1px solid var(--line);padding:20px 13px;border-radius:10px}.compare-card.selected{border-color:var(--green);background:#eaf0f7}.compare-card span{font-size:11px;display:block;color:var(--muted)}.compare-card strong{font-size:23px;letter-spacing:-1px;display:block;margin:12px 0 0}.compare-card b{font-size:12px;display:block;margin-top:12px}.compare-card button{border:0;background:none;padding:12px 0 0;color:var(--green);font-size:11px;text-decoration:underline}.schedule{border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:18px 0 72px}.schedule summary{padding:19px 0}.schedule summary span{float:right}.schedule p{font-size:12px}.table-scroll{max-height:420px;overflow:auto}table{border-collapse:collapse;width:100%;font-size:12px}th,td{text-align:right;padding:10px;border-bottom:1px solid var(--line)}th{background:#edf2f8;position:sticky;top:0}th:first-child,td:first-child{text-align:left}.reading-layout{display:grid;grid-template-columns:230px 1fr;gap:60px}aside{align-self:start;position:sticky;top:30px;font-size:12px}aside a{display:block;padding:10px 0;text-decoration:none;color:var(--muted)}aside .section-label{margin-bottom:13px}article section{margin-bottom:54px}article h2{font-size:30px;letter-spacing:-.9px;line-height:1.25;margin:15px 0 22px}article h3{font-size:19px;line-height:1.4;margin:28px 0 10px}article p{font-size:15px;color:#495d73;line-height:1.85}article .callout{background:#f5f0e7;border-left:3px solid #b3986b;padding:22px 24px;margin:28px 0}article .callout p{margin:6px 0 0}.formula{background:#406582;background-image:linear-gradient(120deg,#406582,#50738e);color:#ffffff;padding:25px 30px;border-radius:10px;font-size:23px;line-height:2;font-family:Georgia,serif;overflow-wrap:anywhere}.formula.small{font-size:17px}.example{border:1px solid var(--line);border-radius:12px;padding:26px;margin:24px 0;background:#fff}.example h3{margin:8px 0 12px}.example .section-label{color:#816b46}.example-data{display:flex;gap:25px;flex-wrap:wrap;padding:14px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:12px}.example-data strong{display:block;font-size:17px}.example figure{margin:20px 0;background:#f3f6fa;border-radius:8px;padding:14px}.example figcaption{font-size:11px;color:var(--muted);margin-top:10px}.example button{border:1px solid #bdccdc;background:white;border-radius:6px;padding:10px 14px;color:var(--green);font-size:12px}.bar-row{display:grid;grid-template-columns:80px 1fr;gap:15px;align-items:center;margin:15px 0;font-size:12px}.bar-track{height:28px;background:#e0e7ef;border-radius:4px;overflow:hidden}.bar-fill{height:100%;background:var(--green);min-width:2px}.bar-row strong{font-size:12px}.bar-row small{display:block;color:var(--muted)}#faq details{border-bottom:1px solid var(--line);padding:16px 0}summary{cursor:pointer;font-size:14px;font-weight:600}#faq details p{padding:0 15px}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related a{border:1px solid var(--line);border-radius:8px;padding:18px;text-decoration:none;background:#fff}.related a:hover{border-color:var(--green)}.related span{font-size:9px;letter-spacing:1px}.related h3{font-size:16px;margin:12px 0}.related p{font-size:12px;line-height:1.6}.method{padding-top:25px;border-top:1px solid var(--line)}.method h2{font-size:19px}.method p{font-size:12px}footer{margin-top:30px;background:#152c46;color:#f3f5fa;padding:40px max(5vw,24px);display:flex;justify-content:space-between;gap:24px;align-items:center}footer p,footer>a:last-child{font-size:12px}.back{position:fixed;bottom:18px;right:20px;background:#fff;border:1px solid var(--line);box-shadow:0 2px 9px #0001;padding:9px 15px;border-radius:24px;text-decoration:none;font-size:12px}@media(max-width:800px){header{height:74px}nav,.edition{display:none}.calculator,.comparison{grid-template-columns:1fr}.reading-layout{grid-template-columns:1fr;gap:20px}aside{position:static;border-bottom:1px solid var(--line);padding-bottom:20px;display:flex;flex-wrap:wrap;gap:0 17px}aside .section-label{width:100%}.results,.inputs{padding:25px}.monthly{font-size:48px}.schedule{margin-bottom:35px}.comparison{gap:10px}.compare-card{padding:15px 10px}.compare-card strong{font-size:20px}.related{grid-template-columns:1fr}footer{display:block}h1{letter-spacing:-1.5px}.intro{padding-bottom:25px}.example{padding:18px}.formula{font-size:19px}.crumb{font-size:10px}}@media print{header nav,.inputs,.actions,.back,aside,.compare-card button,.example button,footer{display:none}.calculator{display:block}.results{background:white}.reading-layout{display:block}body{background:white;color:black}section{break-inside:avoid}.table-scroll{max-height:none;overflow:visible}.schedule{margin-bottom:30px}main{max-width:none}.intro h1{font-size:24px}.comparison{display:block}.chart-svg{max-height:170px}a{text-decoration:none}}

/* Restrained champagne accents complement the navy palette. */
.primary{box-shadow:0 4px 12px #172e4810}.primary span{color:#e4d2b2}.compare-card.selected{border-top:3px solid #b3986b}.tags span:before{color:#8a7049}.results{background:linear-gradient(145deg,#edf2f8,#e6edf6)}footer .brand span{color:#d8c29d}
/* Fine champagne frames with a soft, warm gold halo. */
:root{--gold-frame:rgba(179,152,107,.48);--gold-shadow:0 4px 16px rgba(166,132,74,.09),0 1px 4px rgba(166,132,74,.06)}
.calculator,.compare-card,.example,.related a{border-color:var(--gold-frame);box-shadow:var(--gold-shadow)}
.calculator{box-shadow:0 9px 30px rgba(166,132,74,.10),0 2px 7px rgba(166,132,74,.06)}
.compare-card.selected{border-color:#b3986b;box-shadow:0 5px 19px rgba(166,132,74,.14)}
article .callout{border:1px solid var(--gold-frame);border-left:3px solid #b3986b;border-radius:0 8px 8px 0;box-shadow:var(--gold-shadow)}
.formula{border:1px solid rgba(201,174,128,.62);box-shadow:var(--gold-shadow)}
.related a{transition:border-color .18s ease,box-shadow .18s ease}.related a:hover{border-color:#b3986b;box-shadow:0 6px 22px rgba(166,132,74,.17)}
@media print{.calculator,.compare-card,.example,.related a,article .callout,.formula{box-shadow:none}}
/* Put the calculator first on phones, with a compact introduction. */
@media screen and (max-width:600px){
 header{height:58px;padding:0 18px}.brand{font-size:20px}main{padding:0 16px}
 .crumb,.intro .eyebrow,.intro .tags,.intro h1 br,.intro h1 span{display:none}
 .intro{padding:18px 0 16px}.intro h1{font-size:24px;line-height:1.15;letter-spacing:-.8px;margin:0 0 8px}
 .intro p{font-size:14px;line-height:1.5;margin:0}
 .inputs{padding:20px}.inputs>.section-label{display:none}.inputs h2{font-size:19px;margin:0 0 12px}
 .inputs label{margin-top:14px}.inputs input{min-height:48px;padding:10px 12px;font-size:21px}
 .inputs .presets{margin:10px 0 16px;gap:6px}.inputs .presets button{min-height:40px;padding:7px 10px}
 .back{right:12px;bottom:12px}
}
/* Shared editorial and planning pages. */
.crumb a{text-decoration:none}.crumb a:hover{text-decoration:underline}select{width:100%;padding:13px;border:1px solid #cbd6e2;border-radius:7px;background:#fbfcfe;font:inherit;color:var(--ink)}.results .monthly{font-size:clamp(32px,4vw,52px);overflow-wrap:anywhere}.negative{color:#954b40}.results .callout{margin-top:28px;padding:18px;border:1px solid var(--gold-frame);border-radius:8px;background:#f8f4ed;font-size:13px}.results .callout p{margin-bottom:0}.text-link{font-size:13px;display:inline-block;margin-top:16px}.budget-breakdown{margin:24px 0;border-top:1px solid var(--line)}.budget-breakdown>div{display:flex;justify-content:space-between;gap:15px;border-bottom:1px solid var(--line);padding:14px 0;font-size:13px}.budget-breakdown strong{white-space:nowrap}.editorial-figure{margin:24px 0}.editorial-figure img{display:block;width:100%;height:auto;border-radius:10px}.editorial-figure figcaption{font-size:12px;line-height:1.6;color:var(--muted);margin-top:9px}.example .editorial-figure{padding:0}.inline-cta{display:flex;gap:20px;align-items:center;background:#edf2f8;border:1px solid var(--gold-frame);border-radius:10px;padding:22px;box-shadow:var(--gold-shadow);margin:25px 0}.inline-cta h3{margin:0}.inline-cta p{font-size:13px;margin-bottom:0}.inline-cta>a,.button-link{display:inline-block;background:var(--green);color:#fff;padding:12px 17px;text-decoration:none;border-radius:7px;font-size:13px;flex-shrink:0}.checklist{padding-left:22px}.checklist li{padding:8px 0;font-size:15px;color:#495d73}.editorial .callout{margin-top:0}.editorial .callout h2{font-size:25px;margin-top:0}.editorial .callout ul{padding-left:20px;font-size:15px;line-height:1.8}.home-feature{display:grid;grid-template-columns:1.2fr 1fr;gap:50px;padding:38px;background:linear-gradient(140deg,#e9eff7,#f4f6fa);border:1px solid var(--gold-frame);border-radius:16px;box-shadow:var(--gold-shadow)}.home-feature h2,.home-section>h2{font-size:30px;line-height:1.25;letter-spacing:-.8px}.home-feature p{font-size:15px;color:#495d73}.home-steps{display:grid;align-content:center;gap:12px}.home-steps>div{display:flex;align-items:center;gap:20px;padding:14px;border-bottom:1px solid #d5dfeb}.home-steps b{font-size:26px;font-weight:400;color:#977b4d}.home-steps span{font-size:17px}.home-section{margin:58px 0}.home-section .related h3{font-size:21px}.home-section .related p{font-size:14px}.home-section .related a{padding:27px}.guide-card{display:grid;grid-template-columns:1fr 1fr;gap:25px;align-items:center;background:white;border:1px solid var(--gold-frame);border-radius:12px;padding:28px;text-decoration:none;box-shadow:var(--gold-shadow)}.guide-card span{font-size:10px;letter-spacing:1px}.guide-card h3{font-size:25px;line-height:1.3;margin:15px 0}.guide-card p{font-size:14px;color:#495d73}.guide-card strong{font-size:13px}.guide-card img{width:100%;height:auto}.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;border-top:1px solid var(--line);padding-top:20px}.trust-row h3{font-size:17px}.trust-row p{font-size:13px;color:var(--muted)}
@media(max-width:800px){.home-feature,.guide-card{grid-template-columns:1fr;gap:20px;padding:24px}.home-steps{gap:4px}.home-section{margin:38px 0}.home-feature h2,.home-section>h2{font-size:26px}.inline-cta{display:block}.inline-cta>a{margin-top:16px}.trust-row{grid-template-columns:1fr;gap:5px}.guide-card img{max-height:230px;object-fit:contain}.budget-breakdown>div{font-size:12px}.results table{font-size:11px}.results th,.results td{padding:9px 5px}.editorial .callout h2{font-size:23px}}
@media print{.home-steps,.inline-cta>a{display:none}.editorial-figure{break-inside:avoid}.results .table-scroll{overflow:visible;max-height:none}}
.example figure>img{display:block;width:100%;height:auto}
.offer-fields{margin:24px 0 12px;padding:12px 15px 16px;border:1px solid var(--gold-frame);border-radius:9px}.offer-fields legend{padding:0 8px;font-weight:600;font-size:14px;color:var(--green)}.offer-fields label:first-of-type{margin-top:0}.result-bars{margin:26px 0}.results .table-scroll{margin-top:24px}.results th{white-space:normal}.results .table-scroll td{font-size:12px}@media(max-width:600px){.offer-fields{padding:10px 12px 14px}.result-bars .bar-row{grid-template-columns:75px 1fr;gap:8px}.results .table-scroll td{font-size:11px}}
.monthly.words{font-size:clamp(28px,3.5vw,42px);line-height:1.2}.reserve-meter{margin:28px 0}.reserve-meter meter{width:100%;height:24px;accent-color:#234d76}.reserve-meter meter::-webkit-meter-bar{background:#dbe4ef;border:0;border-radius:6px}.reserve-meter meter::-webkit-meter-optimum-value{background:#234d76;border-radius:6px}.reserve-meter meter::-moz-meter-bar{background:#234d76;border-radius:6px}@media(max-width:1100px) and (min-width:801px){header .edition{display:none}}
.ladder-rate[hidden]{display:none}.results .table-scroll table{min-width:310px}.results .table-scroll th,.results .table-scroll td{font-variant-numeric:tabular-nums}.results .table-scroll{max-height:none;overflow-x:auto}
.metrics>div{min-width:0}.metrics strong{overflow-wrap:anywhere}.legend{gap:10px;flex-wrap:wrap}@media(min-width:801px) and (max-width:1250px){header .edition{display:none}header nav{gap:20px}}

.offer-fields{min-width:0;margin:1rem 0;padding:0 1rem 1rem;border:1px solid var(--gold-frame);border-radius:.6rem}.offer-fields legend{padding:0 .4rem;color:var(--ink);font-weight:700}

.editorial-next {
  box-sizing: border-box;
  margin: 1.25rem 0;
  padding: .95rem 1.2rem;
  border: 1px solid var(--gold-frame, #cbb992);
  border-inline-start: 3px solid #b3986b;
  border-radius: 12px;
  background: linear-gradient(125deg, #f9fbfd, #edf3f8);
  box-shadow: 0 3px 12px rgb(151 122 73 / 10%);
}
.editorial-next p { margin: 0; color: #324d65; line-height: 1.65; }
.editorial-next a { color: #19496b; font-weight: 650; text-decoration: underline; text-underline-offset: .17em; }
.editorial-next a:focus-visible { outline: 2px solid #876b3c; outline-offset: 3px; }
@media (max-width: 600px) { .editorial-next { padding: .8rem .9rem; margin: 1rem 0; } }