:root{--color-dark-blue: #0D2840;--color-green-blue: #4D7A8B;--color-white: #FFFFFF;--color-beige: #EEEEEE;--color-gold: #C4862A;--color-error: #D64045;--color-success: #2E7D5B;--color-cta-red: #DC2626;--color-bg: #F0F4F8;--color-surface: #FFFFFF;--color-surface-2: #EAF3F8;--color-border: #C5DCE8;--color-text: #0D2840;--color-text-muted: #4A6A85;--color-text-dim: #8AA8BC;--font-display: "DM Sans", sans-serif;--font-body: "DM Sans", sans-serif;--font-mono: "DM Mono", monospace;--radius-sm: 6px;--radius-md: 12px;--radius-lg: 20px;--shadow-card: 0 4px 24px rgba(13, 40, 64, .12)}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}img,svg{display:block;max-width:100%}html{font-size:16px;scroll-behavior:smooth}body{font-family:var(--font-body);background-color:var(--color-bg);color:var(--color-text);min-height:100vh;padding:36px 16px 72px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.page-wrapper{max-width:1100px;margin:0 auto;padding:0}.page-header{text-align:center;margin-bottom:28px}.page-headline{font-family:var(--font-display);font-size:clamp(1.625rem,4vw,2.25rem);font-weight:600;color:var(--color-text);line-height:1.2;margin-bottom:10px}.page-subheadline{font-size:.9375rem;color:var(--color-text-muted);line-height:1.55}.calculator-grid{display:grid;grid-template-columns:1fr;gap:12px;margin-bottom:12px}.panel{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:24px 20px;box-shadow:var(--shadow-card)}.field-label{display:block;font-family:var(--font-mono);font-size:11px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--color-text-muted);margin-bottom:8px}.mode-toggle{display:flex;background:var(--color-surface-2);border:1px solid var(--color-border);border-radius:var(--radius-md);overflow:hidden;margin-bottom:22px;padding:3px;gap:3px}.mode-toggle button{flex:1;padding:9px 8px;font-family:var(--font-body);font-size:.8125rem;font-weight:500;border:none;cursor:pointer;background:transparent;color:var(--color-text-muted);border-radius:calc(var(--radius-md) - 2px);transition:background .15s,color .15s;line-height:1.3}.mode-toggle button.active{background:var(--color-dark-blue);color:var(--color-white)}.mode-toggle button:focus-visible{outline:2px solid var(--color-gold);outline-offset:-2px}.field-group{margin-bottom:16px}.amount-wrapper{display:flex;align-items:center;background:var(--color-surface-2);border:1px solid var(--color-border);border-radius:var(--radius-md);transition:border-color .15s}.amount-wrapper:focus-within{border-color:var(--color-green-blue)}.currency-prefix{padding:0 10px 0 16px;font-family:var(--font-mono);font-size:1rem;color:var(--color-text-muted);flex-shrink:0;-webkit-user-select:none;user-select:none}.amount-input{flex:1;padding:13px 16px 13px 0;font-family:var(--font-body);font-size:1.125rem;font-weight:600;border:none;background:transparent;color:var(--color-text);min-width:0}.amount-input:focus{outline:none}.amount-input::placeholder{color:var(--color-text-dim);font-weight:400}.pill-group{display:flex;flex-direction:column;gap:6px}.pill-option{display:flex;align-items:center;gap:12px;padding:11px 16px;background:var(--color-surface-2);border:1px solid var(--color-border);border-radius:var(--radius-md);cursor:pointer;font-size:.9rem;color:var(--color-text-muted);transition:background .15s,border-color .15s,color .15s;-webkit-user-select:none;user-select:none}.pill-option:has(input:checked){background:#4d7a8b1f;border-color:var(--color-green-blue);color:var(--color-dark-blue)}.pill-option input[type=radio]{position:absolute;opacity:0;width:0;height:0;pointer-events:none}.pill-indicator{width:14px;height:14px;border-radius:50%;border:1.5px solid var(--color-border);background:transparent;flex-shrink:0;transition:border-color .15s;display:flex;align-items:center;justify-content:center}.pill-indicator:after{content:"";width:6px;height:6px;border-radius:50%;background:transparent;transition:background .15s}.pill-option:has(input:checked) .pill-indicator{border-color:var(--color-green-blue)}.pill-option:has(input:checked) .pill-indicator:after{background:var(--color-green-blue)}.pill-option:focus-within{outline:2px solid var(--color-gold);outline-offset:2px}.mortgage-row{display:flex;align-items:center;justify-content:space-between;gap:12px}.mortgage-row .field-label{margin-bottom:0}.toggle-switch{position:relative;width:44px;height:24px;flex-shrink:0}.toggle-switch input{opacity:0;width:0;height:0}.toggle-slider{position:absolute;top:0;right:0;bottom:0;left:0;background:var(--color-surface-2);border:1px solid var(--color-border);border-radius:24px;cursor:pointer;transition:background .2s,border-color .2s}.toggle-slider:before{content:"";position:absolute;height:16px;width:16px;left:3px;top:3px;background:var(--color-text-muted);border-radius:50%;transition:transform .2s,background .2s}.toggle-switch input:checked+.toggle-slider{background:var(--color-green-blue);border-color:var(--color-green-blue)}.toggle-switch input:checked+.toggle-slider:before{transform:translate(20px);background:var(--color-white)}.toggle-switch input:focus-visible+.toggle-slider{outline:2px solid var(--color-gold);outline-offset:2px}.btn-calculate{display:block;width:100%;height:52px;padding:0 24px;font-family:var(--font-mono);font-size:.8125rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--color-white);background:var(--color-dark-blue);border:none;border-radius:var(--radius-md);cursor:pointer;margin-top:8px;transition:box-shadow .2s}.btn-calculate:hover{box-shadow:0 0 20px #0d28404d}.btn-calculate:focus-visible{outline:2px solid var(--color-gold);outline-offset:2px}.btn-calculate:active{opacity:.9}.input-error{color:var(--color-error);font-family:var(--font-mono);font-size:.8rem;margin-top:6px}.results-panel{display:flex;flex-direction:column}.results-empty{flex:1;display:flex;align-items:center;justify-content:center;min-height:220px;text-align:center}.results-empty p{font-family:var(--font-mono);font-size:.8125rem;color:var(--color-text-dim);letter-spacing:.03em;line-height:1.5}.results-inner{display:flex;flex-direction:column;gap:16px}.hero-block{background:linear-gradient(135deg,#fff,#bfe1ef);border-radius:var(--radius-lg);padding:18px 20px}.hero-label{font-family:var(--font-mono);font-size:10px;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:#0d28408c;margin-bottom:4px}.hero-number{font-family:var(--font-display);font-size:clamp(2.25rem,5vw,3.75rem);font-weight:700;color:var(--color-dark-blue);line-height:1;margin-bottom:6px}.hero-intro{font-size:.8125rem;color:#0d28408c}.regulation-badge{display:inline-flex;align-items:center;gap:8px;background:#2e7d5b1f;border:1px solid rgba(46,125,91,.3);border-radius:100px;padding:5px 14px;font-family:var(--font-mono);font-size:.6875rem;color:var(--color-success);letter-spacing:.02em;width:fit-content}.breakdown-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}.stat-card{background:var(--color-surface-2);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:14px 16px;display:flex;flex-direction:column;gap:6px}.stat-card--full{grid-column:1 / -1}.stat-label{font-family:var(--font-mono);font-size:10px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--color-text-muted);line-height:1.3}.stat-value{font-family:var(--font-body);font-size:1.0625rem;font-weight:700;color:var(--color-text);line-height:1.2}.stat-card--gold .stat-value{color:var(--color-gold)}.stat-rate{font-family:var(--font-mono);font-size:.6875rem;font-weight:400;color:var(--color-text-muted);margin-left:4px}.btn-email-results{display:block;width:100%;height:52px;font-family:var(--font-mono);font-size:.8rem;font-weight:500;letter-spacing:.06em;text-transform:uppercase;color:var(--color-dark-blue);background:transparent;border:1.5px solid var(--color-dark-blue);border-radius:var(--radius-md);cursor:pointer;transition:background .15s}.btn-email-results:hover{background:#0d28400f}.btn-email-results:focus-visible{outline:2px solid var(--color-gold);outline-offset:2px}.disclaimer{font-size:11px;color:var(--color-text-dim);line-height:1.5;border-top:1px solid var(--color-border);padding-top:14px}.date-stamp{font-family:var(--font-mono);font-size:10px;color:var(--color-text-dim);text-align:right;letter-spacing:.05em}.cta-card{padding:24px 0}.cta-headline{font-family:var(--font-display);font-size:1.125rem;font-weight:600;color:var(--color-text);margin-bottom:18px}.cta-items{display:flex;flex-direction:column;gap:10px}.cta-label{display:block;font-family:var(--font-mono);font-size:10px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--color-text-muted);margin-bottom:8px}.btn-youtube{display:flex;align-items:center;justify-content:center;gap:10px;width:100%;height:52px;font-family:var(--font-mono);font-size:.8125rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--color-white);background:var(--color-cta-red);border-radius:var(--radius-md);text-decoration:none;transition:box-shadow .2s}.btn-youtube:hover{box-shadow:0 0 20px #dc262666}.btn-youtube:focus-visible{outline:2px solid var(--color-gold);outline-offset:2px}.btn-outline{display:flex;align-items:center;justify-content:center;gap:10px;width:100%;height:52px;font-family:var(--font-mono);font-size:.8125rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--color-dark-blue);background:transparent;border:1px solid var(--color-dark-blue);border-radius:var(--radius-md);text-decoration:none;transition:background .15s}.btn-outline:hover{background:#0d28400f}.btn-outline:focus-visible{outline:2px solid var(--color-gold);outline-offset:2px}.cta-divider{border:none;border-top:1px solid var(--color-border)}.lead-form{display:flex;flex-direction:column;gap:8px;margin-bottom:8px}.lead-email-input{width:100%;padding:13px 16px;font-family:var(--font-body);font-size:.9375rem;background:var(--color-surface-2);border:1px solid var(--color-border);border-radius:var(--radius-md);color:var(--color-text);transition:border-color .15s}.lead-email-input:focus{outline:none;border-color:var(--color-green-blue)}.lead-email-input::placeholder{color:var(--color-text-dim)}.btn-lead{padding:0 20px;height:48px;font-family:var(--font-mono);font-size:.75rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--color-white);background:var(--color-dark-blue);border:1px solid var(--color-border);border-radius:var(--radius-md);cursor:pointer;white-space:nowrap;transition:border-color .15s}.btn-lead:hover{border-color:var(--color-green-blue)}.btn-lead:disabled{opacity:.5;cursor:not-allowed}.btn-lead:focus-visible{outline:2px solid var(--color-gold);outline-offset:2px}.lead-fine-print{font-family:var(--font-mono);font-size:10px;color:var(--color-text-dim);letter-spacing:.02em}.lead-success{display:flex;align-items:center;gap:8px;color:var(--color-success);font-weight:600;padding:12px 0;font-size:.9375rem}.form-error{color:var(--color-error);font-family:var(--font-mono);font-size:.8rem;margin-top:6px}@media (min-width: 768px){body{padding:44px 24px 72px}.lead-form{flex-direction:row}.lead-email-input{flex:1}}@media (min-width: 1024px){body{padding:52px 0 80px}.page-wrapper{padding:0 80px}.calculator-grid{grid-template-columns:380px 1fr;gap:20px}.panel{padding:32px}.page-header{margin-bottom:32px}}@media (min-width: 1200px){body{padding:60px 0 96px}}.splash-screen{position:fixed;top:0;right:0;bottom:0;left:0;background:var(--color-bg);z-index:100;display:flex;align-items:center;justify-content:center;padding:32px 24px;transition:opacity .4s ease,visibility .4s ease}.splash-screen.hidden{opacity:0;visibility:hidden;pointer-events:none}.splash-inner{display:flex;flex-direction:column;align-items:center;text-align:center;max-width:600px;width:100%}.splash-eyebrow{font-family:var(--font-mono);font-size:11px;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:var(--color-green-blue);margin-bottom:20px}.splash-headline{font-family:var(--font-body);font-size:clamp(2rem,5vw,3.25rem);font-weight:700;color:var(--color-text);line-height:1.15;margin-bottom:20px}.splash-sub{font-size:1rem;color:var(--color-text-muted);line-height:1.6;margin-bottom:40px;max-width:480px}.btn-splash{height:52px;padding:0 40px;font-family:var(--font-mono);font-size:.8125rem;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--color-white);background:var(--color-dark-blue);border:none;border-radius:100px;cursor:pointer;box-shadow:0 4px 14px #0d284040;transition:box-shadow .2s}.btn-splash:hover{box-shadow:0 4px 14px #0d284066}.btn-splash:focus-visible{outline:2px solid var(--color-gold);outline-offset:2px}.results-loading{flex:1;display:flex;align-items:center;justify-content:center;min-height:220px}.spinner{width:36px;height:36px;border:3px solid var(--color-border);border-top-color:var(--color-gold);border-radius:50%;animation:spin .7s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}.video-embed-wrapper{position:relative;padding-bottom:56.25%;height:0;overflow:hidden;border-radius:var(--radius-md);margin-bottom:20px;background:var(--color-surface-2)}.video-embed-wrapper iframe{position:absolute;top:0;left:0;width:100%;height:100%;border:0}.video-embed-wrapper:has(iframe[src=""]){display:none}.modal-overlay{display:none;position:fixed;top:0;right:0;bottom:0;left:0;background:#0d28408c;z-index:200;align-items:center;justify-content:center;padding:20px}.modal-overlay.is-open{display:flex;animation:modal-fade-in .25s ease}@keyframes modal-fade-in{0%{opacity:0}to{opacity:1}}.modal-card{position:relative;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);box-shadow:0 20px 60px #0d28402e;padding:36px 32px 32px;width:100%;max-width:460px;animation:modal-slide-up .25s ease}@keyframes modal-slide-up{0%{transform:translateY(16px);opacity:0}to{transform:translateY(0);opacity:1}}.modal-close{position:absolute;top:14px;right:16px;background:none;border:none;font-size:1.1rem;color:var(--color-text-muted);cursor:pointer;padding:4px 8px;border-radius:var(--radius-sm);line-height:1;transition:color .15s}.modal-close:hover{color:var(--color-text)}.modal-title{font-family:var(--font-display);font-size:1.2rem;font-weight:700;color:var(--color-text);line-height:1.3;margin-bottom:10px}.modal-sub{font-size:.9rem;color:var(--color-text-muted);line-height:1.55;margin-bottom:24px}.modal-actions{display:flex;flex-direction:column;gap:10px}.btn-modal-yes{width:100%;height:52px;font-family:var(--font-mono);font-size:.8rem;font-weight:500;letter-spacing:.06em;text-transform:uppercase;color:var(--color-white);background:var(--color-dark-blue);border:none;border-radius:var(--radius-md);cursor:pointer;transition:box-shadow .2s}.btn-modal-yes:hover{box-shadow:0 0 20px #0d28404d}.btn-modal-no{width:100%;height:44px;font-family:var(--font-mono);font-size:.75rem;font-weight:500;letter-spacing:.06em;text-transform:uppercase;color:var(--color-text-muted);background:none;border:none;cursor:pointer;transition:color .15s}.btn-modal-no:hover{color:var(--color-text)}.modal-form{display:flex;flex-direction:column;gap:14px}.modal-field{display:flex;flex-direction:column;gap:6px}.modal-input{width:100%;padding:12px 16px;font-family:var(--font-body);font-size:.9375rem;background:var(--color-surface-2);border:1px solid var(--color-border);border-radius:var(--radius-md);color:var(--color-text);transition:border-color .15s}.modal-input:focus{outline:none;border-color:var(--color-green-blue)}.modal-input::placeholder{color:var(--color-text-dim)}.btn-modal-submit{width:100%;height:52px;font-family:var(--font-mono);font-size:.8rem;font-weight:500;letter-spacing:.06em;text-transform:uppercase;color:var(--color-white);background:var(--color-dark-blue);border:none;border-radius:var(--radius-md);cursor:pointer;margin-top:4px;transition:box-shadow .2s}.btn-modal-submit:hover{box-shadow:0 0 20px #0d28404d}.btn-modal-submit:disabled{opacity:.5;cursor:not-allowed}.modal-fine-print{font-family:var(--font-mono);font-size:10px;color:var(--color-text-dim);letter-spacing:.02em;text-align:center}.modal-success-icon{font-size:2.5rem;color:var(--color-success);margin-bottom:12px}#modal-step-success .modal-sub{margin-bottom:0}