@font-face {
  font-family: Manrope;
  src: url("/assets/fonts/manrope-latin.woff2") format("woff2");
  font-weight: 600 700;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Source Sans 3";
  src: url("/assets/fonts/source-sans-3-latin.woff2") format("woff2");
  font-weight: 400 600;
  font-style: normal;
  font-display: swap;
}
:root {
  --ink: #172b36;
  --teal: #075d63;
  --mist: #eef4f6;
  --lime: #d6e99c;
  --muted: #4b626c;
  --error: #a32a31;
  --line: #c2d0d4;
  --white: #fff;
  --radius: 6px;
  --space: 24px;
  --content: 1200px;
  --body: "Source Sans 3", sans-serif;
  --display: Manrope, sans-serif;
  --micro: 150ms;
}
* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
  scroll-padding-top: 24px;
}
body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: var(--body);
  font-size: 18px;
  line-height: 1.55;
  font-variant-numeric: tabular-nums;
}
a {
  color: var(--teal);
  text-underline-offset: 4px;
  text-decoration-thickness: 1px;
}
button,
input,
select {
  font: inherit;
}
button,
a,
input,
select,
summary {
  -webkit-tap-highlight-color: transparent;
}
button {
  cursor: pointer;
}
button:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}
a:hover {
  text-decoration-thickness: 2px;
}
img,
svg {
  max-width: 100%;
  vertical-align: middle;
}
h1,
h2,
h3 {
  font-family: var(--display);
  font-weight: 600;
  line-height: 1.2;
  margin: 0 0 20px;
  overflow-wrap: anywhere;
  text-wrap: balance;
}
h1 {
  font-size: clamp(2rem, 3.4vw, 3rem);
  line-height: 1.18;
  font-weight: 600;
}
h2 {
  font-size: clamp(1.5rem, 2.3vw, 2rem);
}
h3 {
  font-size: 1.2rem;
}
p {
  margin: 0 0 20px;
}
ul,
ol {
  padding-left: 24px;
}
strong {
  font-weight: 600;
}
a,
button,
summary,
input,
select {
  touch-action: manipulation;
}
:focus-visible {
  outline: 3px solid var(--teal);
  outline-offset: 3px;
}
::selection {
  background: var(--lime);
  color: var(--ink);
}
[hidden] {
  display: none !important;
}
.container {
  max-width: calc(var(--content) + 64px);
  margin: 0 auto;
  padding: 0 32px;
}
.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;
}
.skip-link {
  position: fixed;
  top: 8px;
  left: 16px;
  transform: translateY(-150%);
  z-index: 100;
  background: var(--white);
  padding: 12px 24px;
  border: 2px solid var(--teal);
}
.skip-link:focus {
  transform: none;
}
.js-controls {
  display: none;
}
.js .js-controls {
  display: block;
}
.js button.js-controls {
  display: inline-flex;
}
.js .button-row.js-controls {
  display: flex;
}
fieldset {
  border: 0;
  padding: 0;
  margin: 0;
  min-width: 0;
}
legend {
  padding: 0;
}
button {
  border: 0;
}
input,
select {
  min-width: 0;
}
input[type="checkbox"] {
  width: 22px;
  height: 22px;
  accent-color: var(--teal);
  flex-shrink: 0;
}
input:disabled {
  background: var(--mist);
  color: var(--muted);
}
.site-header {
  background: var(--white);
  border-bottom: 1px solid #e3eaec;
  position: relative;
  z-index: 20;
}
.header-inner {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.brand {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  min-height: 48px;
}
.brand img {
  height: 40px;
  width: auto;
}
.site-header nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.site-header nav > a {
  font-size: 16px;
  color: var(--ink);
  text-decoration: none;
  min-height: 44px;
  display: flex;
  align-items: center;
  font-weight: 600;
}
.site-header nav > a:hover {
  color: var(--teal);
}
.site-header nav > a.button {
  color: white;
}
.language-switch {
  display: flex;
  gap: 4px;
  align-items: center;
  font-size: 14px;
}
.language-switch a,
.language-switch span {
  display: grid;
  place-items: center;
  width: 36px;
  min-height: 44px;
  text-decoration: none;
}
.language-switch span {
  font-weight: 600;
  border-bottom: 2px solid var(--teal);
}
.language-switch a {
  color: var(--muted);
}
.menu-toggle {
  align-items: center;
  gap: 12px;
  background: white;
  min-height: 44px;
  color: var(--ink);
}
.js button.menu-toggle {
  display: none;
}
.button {
  background: var(--teal);
  color: white;
  border: 1px solid var(--teal);
  border-radius: var(--radius);
  padding: 13px 22px;
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  font-size: 17px;
  font-weight: 600;
  text-decoration: none;
  line-height: 1.4;
  transition: background var(--micro);
}
.button:hover {
  background: #064b50;
  color: white;
}
.button-small {
  padding: 10px 16px;
  min-height: 44px;
}
.button-outline {
  background: transparent;
  color: var(--teal);
}
.button-outline:hover {
  background: #e4efec;
  color: var(--teal);
}
.button-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
}
.text-button {
  background: none;
  padding: 12px 4px;
  color: var(--teal);
  text-decoration: underline;
  text-underline-offset: 5px;
  min-height: 44px;
  font-size: 16px;
  line-height: 1.4;
}
.text-link {
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-height: 44px;
}
.text-link svg {
  flex-shrink: 0;
}
.lead {
  font-size: 21px;
  line-height: 1.5;
  color: var(--muted);
  max-width: 60ch;
  overflow-wrap: anywhere;
  hyphens: auto;
}
.fine {
  font-size: 14px;
  line-height: 1.5;
  color: var(--muted);
  overflow-wrap: anywhere;
}
.home-hero {
  padding: 44px 32px 0;
}
.hero-copy {
  margin-bottom: 28px;
}
.hero-copy h1 {
  max-width: 25ch;
  font-size: clamp(2rem, 3.4vw, 3rem);
  line-height: 1.18;
  margin-bottom: 16px;
}
.hero-copy .lead {
  max-width: 70ch;
  margin-bottom: 0;
  font-size: 20px;
}
.calculator {
  border: 1px solid #d2dfe1;
  background: white;
  border-radius: var(--radius);
}
.calculator-top {
  padding: 12px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-weight: 600;
  font-size: 16px;
  flex-wrap: wrap;
  border-bottom: 1px solid var(--line);
}
.saved-link {
  font-weight: 400;
  font-size: 14px;
  min-height: 44px;
  display: flex;
  align-items: center;
}
.calc-form {
  padding: 24px;
}
.field {
  margin-bottom: 20px;
  min-width: 0;
}
.field label {
  font-weight: 600;
  font-size: 16px;
  display: block;
  margin-bottom: 8px;
}
.input-wrap {
  position: relative;
}
.input-wrap > span {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
  pointer-events: none;
}
.input-wrap input {
  display: block;
  width: 100%;
  border: 1px solid #7c959d;
  background: white;
  border-radius: var(--radius);
  height: auto;
  padding: 10px 50px 10px 16px;
  font-weight: 600;
  font-size: 21px;
  color: var(--ink);
  min-height: 54px;
  line-height: 1.4;
}
.field input[aria-invalid="true"] {
  border: 2px solid var(--error);
  background: #fff9f9;
}
.field small {
  display: block;
  font-size: 13px;
  color: var(--muted);
  margin-top: 5px;
}
.field-error {
  font-size: 14px;
  color: var(--error);
  margin: 8px 0 0;
}
.form-error {
  font-size: 16px;
  color: var(--error);
  border-left: 3px solid var(--error);
  padding: 8px 12px;
  margin: 16px 0 0;
}
.field input[type="range"] {
  accent-color: var(--teal);
  display: block;
  width: 100%;
  height: 28px;
  margin: 6px 0 0;
  cursor: pointer;
}
.range-ends {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--muted);
  margin-top: -2px;
}
.field:has(input[type="range"]) small {
  display: none;
}
.recalculate {
  width: 100%;
  margin-top: 0;
}
.fields-two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
select {
  background: white;
  border: 1px solid #7c959d;
  border-radius: var(--radius);
  padding: 12px;
  height: 54px;
  width: 100%;
  font-size: 17px;
  color: var(--ink);
}
.result-summary {
  background: var(--mist);
  padding: 24px;
}
.result-heading {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-bottom: 16px;
  flex-wrap: wrap;
}
.result-heading h2 {
  font-size: 17px;
  letter-spacing: 0;
  margin: 0;
}
.totals {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 8em), 1fr));
  gap: 20px;
}
.totals > div > span {
  font-size: 15px;
  display: block;
  margin-bottom: 4px;
}
.totals strong {
  font-family: var(--display);
  font-weight: 600;
  font-size: clamp(1.6rem, 2.6vw, 2.25rem);
  line-height: 1.2;
  display: block;
  white-space: nowrap;
}
.totals small {
  font-size: 13px;
  color: var(--muted);
  display: block;
  margin-top: 6px;
}
.cost-strip {
  display: flex;
  height: 7px;
  margin: 20px 0 10px;
  border-radius: 2px;
  overflow: hidden;
  gap: 0;
}
.cost-strip span:first-child {
  background: var(--teal);
}
.cost-strip span:last-child {
  background: #8bb4b7;
}
.cost-legend {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 4px 12px;
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 16px;
}
.cost-legend i {
  display: inline-block;
  width: 8px;
  height: 8px;
  background: var(--teal);
  margin-right: 5px;
}
.cost-legend span:last-child i {
  background: #527f83;
}
.ledger {
  margin: 0 0 16px;
}
.ledger > div {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 7px 0;
  border-bottom: 1px solid #bacfc66b;
  font-size: 14px;
}
.ledger dt {
  color: var(--muted);
  min-width: 0;
  overflow-wrap: anywhere;
}
.ledger dd {
  margin: 0;
  text-align: right;
  font-weight: 600;
  flex-shrink: 1;
  max-width: 55%;
  overflow-wrap: anywhere;
}
.result-summary > .fine {
  margin: 10px 0 0;
}
.result-meta {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 6px;
  font-size: 13px;
  color: var(--muted);
  margin-top: 16px;
}
.calc-actions {
  padding: 0 24px 24px;
}
.calc-actions p {
  margin-bottom: 12px;
  margin: 16px 0 0;
}
.calc-actions .button {
  font-size: 16px;
  padding: 10px 16px;
}
.action-status {
  font-size: 15px;
  color: var(--teal);
  padding: 0 28px;
  margin: 12px 0;
}
.action-status:empty {
  display: none;
}
.line-comparison {
  padding: 24px 28px;
  background: var(--mist);
  border-top: 1px solid var(--line);
}
.line-comparison h3 {
  font-size: 17px;
}
.line-comparison .fields-two p {
  font-size: 15px;
}
.line-comparison > p {
  font-size: 16px;
  margin-bottom: 8px;
}
.schedule {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: white;
}
.schedule summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 18px 28px;
  color: var(--teal);
  font-weight: 600;
  cursor: pointer;
  min-height: 56px;
  list-style: none;
}
.schedule summary::-webkit-details-marker {
  display: none;
}
.schedule summary:after {
  content: "+";
  font-size: 25px;
  font-weight: 400;
}
.schedule[open] > summary:after {
  content: "−";
}
.schedule summary > span {
  margin-left: auto;
  font-size: 14px;
}
.schedule-body {
  padding: 8px 24px 24px;
}
.schedule-body h3 {
  font-size: 16px;
  margin-bottom: 20px;
}
.balance-graph {
  width: 100%;
  height: 100px;
  display: block;
}
.table-scroll {
  overflow-x: auto;
  max-width: 100%;
  border: 1px solid var(--line);
  border-radius: 4px;
}
.table-scroll:focus-visible {
  outline-offset: 1px;
}
table {
  border-collapse: collapse;
  width: 100%;
  font-size: 15px;
  text-align: left;
  white-space: nowrap;
}
caption {
  text-align: left;
  font-size: 14px;
  color: var(--muted);
  padding: 12px;
  white-space: normal;
}
th,
td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--line);
}
thead {
  background: var(--mist);
}
th {
  font-weight: 600;
}
tfoot {
  background: #f3f7f4;
}
tfoot th,
tfoot td {
  border-bottom: 0;
}
.schedule table {
  font-size: 13px;
}
.schedule th,
.schedule td {
  padding: 10px 12px;
}
.mobile-schedule {
  display: none;
}
.representative {
  font-size: 14px;
  line-height: 1.65;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
  color: var(--muted);
}
.representative h3 {
  font-family: var(--body);
  letter-spacing: 0;
  font-weight: 600;
  font-size: 15px;
  margin-bottom: 8px;
  color: var(--ink);
}
.representative p {
  margin: 0;
}
.representative strong {
  color: var(--ink);
}
.section {
  padding: 48px 0;
}
.section-heading {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 24px;
}
.section-heading h2 {
  margin-bottom: 16px;
}
.section-lead {
  color: var(--muted);
  margin-bottom: 24px;
  max-width: 72ch;
}
.product-rows {
  border-top: 1px solid var(--line);
}
.product-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 200px 24px;
  gap: 24px;
  align-items: center;
  padding: 24px 0;
  color: var(--ink);
  text-decoration: none;
  border-bottom: 1px solid var(--line);
}
.product-row h3 {
  font-size: 22px;
  margin-bottom: 6px;
}
.product-row p {
  color: var(--muted);
  font-size: 17px;
  margin: 0;
}
.product-range strong {
  display: block;
  font-size: 22px;
  font-weight: 600;
  white-space: normal;
  overflow-wrap: anywhere;
}
.product-range span {
  font-size: 16px;
  color: var(--muted);
}
.term-story {
  border-bottom: 1px solid var(--line);
}
.comparison-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
}
.comparison-option {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  min-width: 0;
}
.comparison-option h3 {
  font-size: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line);
}
.comparison-option > span {
  font-size: 15px;
  color: var(--muted);
}
.comparison-number {
  display: block;
  font: 600 31px var(--display);
  margin: 8px 0 22px;
  overflow-wrap: anywhere;
}
.comparison-option .ledger > div {
  display: block;
  padding: 8px 0;
}
.comparison-option .ledger dd {
  text-align: left;
  margin-top: 4px;
  font-size: 18px;
}
.comparison-option .fine {
  margin-bottom: 0;
}
.help-links {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 48px;
  margin-top: 16px;
}
.help-links a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  min-height: 74px;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
  font-weight: 600;
  overflow-wrap: anywhere;
  hyphens: auto;
}
.help-links a:hover {
  text-decoration: underline;
}
.help-links svg {
  flex-shrink: 0;
}
.help-extra {
  display: inline-flex;
  padding: 20px 0;
}
.faq {
  border-top: 1px solid var(--line);
  max-width: 900px;
}
.faq details {
  border-bottom: 1px solid var(--line);
}
.faq summary {
  padding: 20px 40px 20px 0;
  cursor: pointer;
  font-size: 20px;
  position: relative;
  list-style: none;
  min-height: 60px;
}
.faq summary::-webkit-details-marker {
  display: none;
}
.faq summary::after {
  content: "+";
  position: absolute;
  right: 8px;
  top: 14px;
  color: var(--teal);
  font-size: 30px;
}
.faq details[open] summary::after {
  content: "−";
}
.faq p {
  color: var(--muted);
  max-width: 72ch;
  margin-bottom: 24px;
}
.breadcrumbs {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 24px;
  font-size: 14px;
  color: var(--muted);
}
.breadcrumbs a {
  min-height: 36px;
  display: flex;
  align-items: center;
}
.breadcrumbs > span:last-child {
  max-width: 65ch;
  overflow-wrap: anywhere;
}
.page-intro {
  padding-top: 40px;
  padding-bottom: 32px;
}
.page-intro h1 {
  max-width: 28ch;
}
.page-intro .lead {
  max-width: 65ch;
}
.byline {
  font-size: 15px;
  color: var(--muted);
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.page-content {
  padding-bottom: 80px;
}
.reading-layout {
  display: grid;
  grid-template-columns: minmax(0, 760px) minmax(200px, 1fr);
  gap: 64px;
  margin-top: 56px;
  align-items: start;
}
.prose {
  max-width: 70ch;
}
.prose section {
  margin-bottom: 42px;
}
.prose h2 {
  font-size: 26px;
  max-width: 36ch;
  line-height: 1.28;
}
.prose p {
  line-height: 1.68;
  color: #344c57;
}
.related {
  border-top: 2px solid var(--teal);
  padding-top: 22px;
}
.related h2 {
  font-size: 18px;
  letter-spacing: 0;
}
.related > a {
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  gap: 16px;
  text-decoration: none;
  font-size: 17px;
  line-height: 1.5;
}
.related > a svg {
  flex-shrink: 0;
}
.sources {
  border-top: 1px solid var(--line);
  padding-top: 24px;
  margin-top: 40px;
}
.sources h2 {
  font-size: 21px;
}
.sources li {
  padding: 7px 0;
  font-size: 16px;
}
.notice {
  border-left: 3px solid var(--teal);
  padding: 22px 26px;
  background: var(--mist);
  margin: 28px 0;
  font-size: 16px;
}
.notice h2 {
  font-size: 23px;
}
.notice h3 {
  font-size: 18px;
}
.notice p:last-child {
  margin-bottom: 0;
}
.tool-panel {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px;
  background: var(--white);
}
.tool-panel form > fieldset > legend {
  font-weight: 600;
}
.tool-panel form > fieldset > legend h2 {
  font-size: 25px;
}
.comparison-fields {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 20px;
}
.comparison-results {
  margin: 32px 0 24px;
}
.tool-panel .action-status {
  padding: 0;
}
.debt-row {
  border: 1px solid var(--line);
  padding: 24px;
  border-radius: var(--radius);
  margin: 0 0 24px;
  background: white;
}
.debt-row legend {
  padding: 0 8px;
  font-weight: 600;
}
.debt-row .field {
  margin-bottom: 8px;
}
.check-label {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 16px;
  min-height: 44px;
  margin: 16px 0;
}
.tool-panel h2 {
  margin-top: 24px;
}
.tool-panel > h2:first-child {
  margin-top: 0;
}
.consolidation-results {
  margin-top: 32px;
}
.consolidation-verdict {
  padding: 28px;
  background: var(--mist);
  border-radius: var(--radius) var(--radius) 0 0;
}
.consolidation-verdict h2 {
  font-size: 26px;
  margin-top: 0;
}
.consolidation-verdict > strong {
  display: block;
  font: 600 40px var(--display);
  margin-bottom: 20px;
}
.consolidation-verdict .ledger {
  max-width: 600px;
}
.cost-increase {
  background: #faebe4;
}
.consolidation-verdict .ledger > div {
  font-size: 16px;
}
.consolidation-verdict .ledger dd {
  max-width: 45%;
  white-space: normal;
}
.guide-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 48px;
  border-top: 1px solid var(--line);
}
.guide-list > a {
  border-bottom: 1px solid var(--line);
  padding: 32px 0;
  text-decoration: none;
  color: var(--ink);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-width: 0;
}
.guide-list h2 {
  font-size: 24px;
  max-width: 100%;
  hyphens: auto;
}
.guide-list p {
  color: var(--muted);
  max-width: 50ch;
  overflow-wrap: break-word;
}
.guide-list .text-link {
  color: var(--teal);
  margin-top: auto;
}
.search-panel {
  background: var(--mist);
  padding: 32px;
  border-radius: var(--radius);
}
.search-panel label {
  font-weight: 600;
  display: block;
  margin-bottom: 12px;
}
.search-input {
  display: flex;
  gap: 12px;
  max-width: 780px;
}
.search-input input {
  width: 100%;
  background: white;
  border: 1px solid #7c959d;
  border-radius: var(--radius);
  padding: 14px 16px;
}
.search-input button {
  flex-shrink: 0;
}
.search-panel .fine {
  margin-top: 12px;
  margin-bottom: 0;
}
.search-result {
  display: block;
  background: white;
  padding: 24px;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
  margin-top: 16px;
  border-radius: 8px;
}
.search-result h2 {
  font-size: 21px;
}
.search-result p {
  color: var(--muted);
  font-size: 16px;
  margin-bottom: 0;
}
.empty-state {
  padding: 24px 0;
  text-align: left;
  max-width: 630px;
  margin: 0;
}
.empty-state h2 {
  font-size: 28px;
  margin: 16px 0;
}
.empty-state p {
  color: var(--muted);
}
.saved-item {
  border-bottom: 1px solid var(--line);
  padding: 16px 0 28px;
}
.saved-item h2 {
  font-size: 26px;
}
.saved-item p {
  font-size: 15px;
  margin-bottom: 10px;
}
.saved-item .button-row {
  margin-top: 16px;
}
.document-list {
  border-top: 1px solid var(--line);
}
.document-list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 24px 0;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
}
.document-list h3 {
  font-size: 23px;
}
.document-list p {
  margin: 0;
  color: var(--muted);
  font-size: 15px;
}
.document-page {
  padding-top: 48px;
  padding-bottom: 64px;
}
.document-page h1 {
  max-width: 20ch;
}
.document-page .prose {
  margin-top: 40px;
}
.not-found {
  padding-top: 64px;
  padding-bottom: 120px;
}
.error-code {
  font: 600 72px var(--display);
  color: var(--teal);
}
.site-footer {
  background: var(--mist);
  color: var(--ink);
  padding: 56px 0 28px;
  border-top: 1px solid var(--line);
}
.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr;
  gap: 36px;
  padding-bottom: 40px;
}
.footer-brand p {
  color: var(--muted);
  font-size: 14px;
  line-height: 1.6;
  margin-top: 20px;
  max-width: 29ch;
}
.footer-top h2 {
  font-family: var(--body);
  font-size: 16px;
  letter-spacing: 0;
  color: var(--ink);
  margin-bottom: 14px;
}
.footer-top > div > a {
  display: block;
  color: var(--muted);
  font-size: 14px;
  padding: 7px 0;
  text-decoration: none;
  overflow-wrap: anywhere;
}
.footer-top > div > a:hover {
  text-decoration: underline;
}
.footer-bottom {
  border-top: 1px solid var(--line);
  padding-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  font-size: 13px;
  color: var(--muted);
}
.footer-bottom > div {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 24px;
}
.footer-bottom a {
  color: var(--muted);
}
.site-footer :focus-visible {
  outline-color: var(--teal);
}
.calculator > *,
.reading-layout > *,
.guide-list > *,
.footer-top > * {
  min-width: 0;
}
.result-details {
  margin-top: 16px;
}
.result-details > summary {
  cursor: pointer;
  min-height: 44px;
  padding: 10px 0;
  color: var(--teal);
  font-size: 15px;
  font-weight: 600;
}
.result-details .ledger {
  margin: 8px 0;
}
.result-details .fine {
  margin-top: 16px;
}
.calc-results {
  min-width: 0;
}
.result-summary > .fine {
  font-size: 14px;
}
.term-table-wrap {
  max-width: 100%;
}
.term-table {
  white-space: normal;
  font-size: 18px;
  table-layout: fixed;
}
.term-table caption {
  padding: 0 0 20px;
  font-size: 16px;
}
.term-table thead {
  background: transparent;
}
.term-table th,
.term-table td {
  padding: 14px 20px 14px 0;
}
.term-table th:first-child {
  width: 15%;
}
.term-table td {
  font-variant-numeric: tabular-nums;
}
.term-table thead th {
  font-size: 15px;
  color: var(--muted);
  vertical-align: bottom;
}
.term-table .interest-bar {
  display: block;
  height: 5px;
  background: var(--teal);
  margin-bottom: 8px;
}
.term-story > .text-link {
  margin-top: 20px;
}
.home-help > p {
  margin: 24px 0 0;
}
.product-row > svg {
  color: var(--teal);
}
.field label,
.button,
.text-button {
  overflow-wrap: anywhere;
}
@media (min-width: 900px) {
  .js .calculator {
    display: grid;
    grid-template-columns: minmax(0, 2fr) minmax(0, 3fr);
    align-items: start;
  }
  .calculator-top {
    grid-column: 1 / -1;
  }
  .calc-form {
    grid-column: 1;
    grid-row: 2;
  }
  .calc-results {
    grid-column: 2;
    grid-row: 2 / 5;
    border-left: 1px solid var(--line);
  }
  .calc-actions {
    grid-column: 1;
    grid-row: 3;
  }
  .calculator > .action-status {
    grid-column: 1;
    grid-row: 4;
    padding: 0 24px 24px;
  }
}
@media (max-width: 767px) {
  .term-table {
    font-size: 16px;
  }
  .term-table th,
  .term-table td {
    padding-right: 8px;
    overflow-wrap: anywhere;
  }
  .term-table thead th {
    font-size: 13px;
  }
  .term-table th:first-child {
    width: 14%;
  }
  .product-row > svg {
    grid-column: 2;
    grid-row: 1 / 3;
  }
  .comparison-option .ledger dd {
    max-width: 100%;
  }
}
@media (max-width: 1150px) {
  .site-header nav {
    gap: 20px;
  }
  .site-header nav > a {
    font-size: 15px;
  }
  .header-cta {
    display: none !important;
  }
  .footer-top {
    gap: 24px;
  }
  .reading-layout {
    gap: 48px;
  }
}
@media (max-width: 1049px) {
  .header-inner {
    min-height: 76px;
    flex-wrap: wrap;
    gap: 0;
  }
  .site-header nav {
    width: 100%;
    padding: 12px 0 20px;
    flex-wrap: wrap;
  }
  .js .site-header nav {
    display: none;
  }
  .js .site-header nav.is-open {
    display: flex;
  }
  .js button.menu-toggle {
    display: flex;
  }
  .hero-copy {
    padding-top: 0;
  }
  .hero-copy h1 {
    font-size: 2rem;
    max-width: 28ch;
    margin-bottom: 12px;
  }
  .hero-copy .lead {
    font-size: 18px;
    max-width: 65ch;
    margin-bottom: 0;
  }
  .calculator-top {
    padding: 4px 20px;
    font-size: 16px;
  }
  .calc-form {
    padding: 12px 20px 20px;
  }
  .result-summary {
    padding: 22px 20px;
  }
  .totals strong {
    font-size: 28px;
  }
  .totals {
    gap: 12px;
  }
  .calc-actions {
    padding: 20px;
  }
  .schedule summary {
    padding: 16px 20px;
    font-size: 16px;
  }
  .home-hero {
    padding: 28px 20px 0;
  }
  .comparison-option .ledger > div {
    display: flex;
  }
  .comparison-option .ledger dd {
    font-size: 16px;
    margin: 0;
    max-width: 100%;
  }
  .product-row {
    grid-template-columns: minmax(0, 1fr) 170px 24px;
    gap: 20px;
  }
  .footer-top {
    grid-template-columns: repeat(4, 1fr);
  }
  .footer-brand {
    grid-column: 1/-1;
  }
  .footer-brand p {
    max-width: 60ch;
  }
  .comparison-fields {
    grid-template-columns: 1fr 1fr;
  }
  .reading-layout {
    grid-template-columns: minmax(0, 1fr) 240px;
    gap: 32px;
  }
  .prose h2 {
    font-size: 25px;
  }
  .guide-list h2 {
    font-size: 25px;
  }
}
@media (max-width: 767px) {
  body {
    font-size: 17px;
  }
  .container {
    padding: 0 20px;
  }
  .header-inner {
    min-height: 68px;
  }
  .brand img {
    width: 153px;
    height: auto;
  }
  .site-header nav {
    gap: 4px;
    min-width: 0;
  }
  .site-header nav > a {
    width: 100%;
    padding: 10px 0;
    font-size: 18px;
  }
  .language-switch {
    margin-top: 8px;
  }
  .home-hero {
    padding: 28px 20px 0;
  }
  .hero-copy {
    padding-top: 0;
  }
  .hero-copy h1 {
    font-size: 2rem;
    max-width: 28ch;
    margin-bottom: 12px;
  }
  .hero-copy .lead {
    font-size: 18px;
    max-width: 65ch;
    margin-bottom: 0;
  }
  .calculator {
    border-radius: var(--radius);
  }
  .calculator-top {
    padding: 4px 20px;
    font-size: 16px;
  }
  .saved-link {
    font-size: 13px;
  }
  .field label {
    font-size: 15px;
  }
  .field {
    margin-bottom: 20px;
  }
  .input-wrap input {
    height: 50px;
    font-size: 21px;
  }
  .calc-form .field:has(input[type="range"]) {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 8em), 1fr));
    align-items: center;
    gap: 2px 8px;
  }
  .calc-form .field:has(input[type="range"]) label {
    margin: 0;
  }
  .calc-form .field input[type="range"],
  .calc-form .range-ends,
  .calc-form .field .field-error {
    grid-column: 1/-1;
  }
  .calc-form {
    padding: 12px 20px 20px;
  }
  .result-heading {
    margin-bottom: 18px;
  }
  .totals strong {
    font-size: 28px;
    white-space: normal;
    overflow-wrap: anywhere;
  }
  .totals > div > span {
    font-size: 14px;
  }
  .ledger > div {
    font-size: 14px;
    padding: 8px 0;
  }
  .cost-legend {
    font-size: 13px;
  }
  .result-meta {
    font-size: 13px;
  }
  .calc-actions .button-row {
    align-items: stretch;
  }
  .calc-actions .button-row > * {
    flex: 1;
    min-width: 120px;
  }
  .schedule summary {
    font-size: 16px;
  }
  .schedule summary > span {
    font-size: 12px;
  }
  .schedule-body > .table-scroll {
    display: none;
  }
  .mobile-schedule {
    display: block;
  }
  .mobile-schedule details {
    border-bottom: 1px solid var(--line);
  }
  .mobile-schedule summary {
    padding: 12px 0;
    font-size: 14px;
    gap: 12px;
  }
  .mobile-schedule summary strong {
    margin-left: auto;
  }
  .mobile-schedule summary::after {
    font-size: 20px;
  }
  .mobile-schedule .ledger {
    padding: 0 12px;
  }
  .representative {
    font-size: 14px;
    padding: 22px 0;
  }
  .section {
    padding: 44px 0;
  }
  .section-heading {
    align-items: flex-start;
    flex-wrap: wrap;
    gap: 0;
  }
  .section-heading .text-link {
    margin-bottom: 12px;
  }
  .section-heading h2 {
    width: 100%;
    margin-bottom: 12px;
  }
  .section-lead {
    font-size: 17px;
    margin-bottom: 24px;
  }
  .product-row {
    grid-template-columns: minmax(0, 1fr) 24px;
    gap: 12px;
    padding: 24px 0;
  }
  .product-row > div {
    grid-column: 1;
  }
  .product-row h3 {
    font-size: 24px;
  }
  .product-row p {
    font-size: 16px;
  }
  .product-range {
    display: flex;
    align-items: baseline;
    gap: 16px;
    flex-wrap: wrap;
  }
  .product-range strong {
    font-size: 20px;
  }
  .product-range span {
    font-size: 14px;
  }
  .term-story {
    padding: 40px 0;
  }
  .comparison-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .comparison-option {
    padding: 20px;
  }
  .comparison-option h3 {
    font-size: 22px;
  }
  .comparison-number {
    font-size: 28px;
  }
  .comparison-option .fine {
    font-size: 13px;
  }
  .help-links {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .help-links a {
    min-height: 68px;
    font-size: 17px;
  }
  .faq summary {
    font-size: 18px;
  }
  .faq p {
    font-size: 16px;
  }
  .breadcrumbs {
    padding-top: 18px;
    font-size: 12px;
    gap: 8px;
  }
  .page-intro {
    padding-top: 24px;
    padding-bottom: 20px;
  }
  .page-intro h1 {
    font-size: 36px;
  }
  .page-intro .lead {
    font-size: 19px;
  }
  .page-content {
    padding-bottom: 48px;
  }
  .reading-layout {
    display: flex;
    flex-direction: column;
    gap: 32px;
    margin-top: 36px;
  }
  .prose section {
    margin-bottom: 32px;
  }
  .prose h2 {
    font-size: 25px;
  }
  .related {
    width: 100%;
  }
  .related h2 {
    font-size: 20px;
  }
  .guide-list {
    grid-template-columns: 1fr;
  }
  .guide-list > a {
    padding: 24px 0;
  }
  .guide-list h2 {
    font-size: 26px;
  }
  .search-panel {
    padding: 24px 20px;
  }
  .search-input {
    flex-wrap: wrap;
  }
  .search-input button {
    font-size: 15px;
    min-height: 44px;
    padding: 8px 14px;
  }
  .empty-state {
    padding: 24px 0;
  }
  .empty-state h2 {
    font-size: 24px;
  }
  .tool-panel {
    padding: 20px 16px;
  }
  .comparison-fields {
    grid-template-columns: 1fr 1fr;
    gap: 0 16px;
  }
  .comparison-fields > .field:first-child {
    grid-column: 1/-1;
  }
  .comparison-fields .field label {
    min-height: 46px;
    display: flex;
    align-items: flex-end;
  }
  .comparison-fields .field:first-child label {
    min-height: 0;
  }
  .fields-two {
    grid-template-columns: 1fr;
    gap: 8px;
  }
  .line-comparison .fields-two {
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 9em), 1fr));
    gap: 16px;
  }
  .line-comparison {
    padding: 24px 20px;
  }
  .line-comparison h3 {
    font-size: 17px;
  }
  .line-comparison .fields-two strong {
    font-size: 15px;
  }
  .line-comparison .fields-two p {
    font-size: 14px;
  }
  .debt-row {
    padding: 16px;
    margin-bottom: 24px;
  }
  .consolidation-verdict {
    padding: 24px 20px;
  }
  .consolidation-verdict h2 {
    font-size: 23px;
  }
  .consolidation-verdict > strong {
    font-size: 32px;
  }
  .consolidation-verdict .ledger > div {
    font-size: 14px;
  }
  .tool-panel .result-summary {
    padding: 20px 16px;
  }
  .tool-panel .totals strong {
    font-size: 26px;
  }
  .notice {
    padding: 20px;
    font-size: 16px;
  }
  .footer-top {
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 8em), 1fr));
    gap: 28px 20px;
  }
  .site-footer {
    padding: 40px 0 24px;
  }
  .footer-top h2 {
    font-size: 17px;
  }
  .footer-top > div > a {
    font-size: 14px;
    min-height: 40px;
    display: flex;
    align-items: center;
  }
  .footer-brand p {
    font-size: 14px;
  }
  .footer-bottom {
    flex-wrap: wrap;
    gap: 20px;
  }
  .footer-bottom > div {
    order: 3;
    width: 100%;
    gap: 16px;
  }
  .footer-bottom > span:last-child {
    margin-left: auto;
  }
  .document-page {
    padding-top: 32px;
  }
  .document-page h1 {
    font-size: 34px;
  }
}
@media (max-width: 359px) {
  .container {
    padding: 0 16px;
  }
  .hero-copy h1 {
    font-size: 2rem;
    max-width: 28ch;
    margin-bottom: 12px;
  }
  .calculator-top,
  .calc-form,
  .result-summary,
  .calc-actions,
  .line-comparison {
    padding-left: 16px;
    padding-right: 16px;
  }
  .totals strong {
    font-size: 26px;
  }
  .totals {
    gap: 10px;
  }
  .calc-form .field:has(input[type="range"]) {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 8em), 1fr));
    align-items: center;
    gap: 2px 8px;
  }
  .calc-actions .button-row {
    display: block;
  }
  .calc-actions .button-row > * {
    width: 100%;
    margin-bottom: 8px;
  }
  .tool-panel .totals {
    grid-template-columns: 1fr;
  }
  .tool-panel .totals > div {
    padding-bottom: 10px;
  }
  .result-heading h2 {
    font-size: 16px;
  }
  .schedule summary {
    padding: 16px;
  }
  .schedule summary > span {
    display: none;
  }
  .comparison-fields {
    grid-template-columns: 1fr;
  }
  .comparison-fields .field label {
    min-height: 0;
  }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}
@media (forced-colors: active) {
  .button,
  .calculator,
  .result-summary,
  .comparison-option,
  .input-wrap input {
    border: 1px solid ButtonText;
  }
  .cost-strip span {
    forced-color-adjust: none;
  }
  .cost-legend i {
    forced-color-adjust: none;
  }
  .balance-graph {
    forced-color-adjust: none;
  }
  .field-error {
    color: CanvasText;
  }
  .field input[aria-invalid="true"] {
    outline: 2px solid CanvasText;
  }
}
@media print {
  .screen-only {
    display: none;
  }
  .calc-results {
    border: 0;
  }
  .result-details > summary {
    display: none;
  }
  .result-details {
    display: block;
  }

  @page {
    size: A4;
    margin: 14mm;
  }
  body {
    font: 10pt/1.45 sans-serif;
    color: #000;
    background: #fff;
  }
  h1 {
    font-size: 24pt;
  }
  h2 {
    font-size: 17pt;
  }
  h3 {
    font-size: 13pt;
  }
  .site-header {
    border: 0;
  }
  .header-inner {
    min-height: 40px;
    padding: 0;
  }
  .brand img {
    width: 130px;
  }
  .site-header nav,
  .site-footer,
  .menu-toggle,
  .skip-link,
  .breadcrumbs,
  .calc-form,
  .calculator-top,
  .calc-actions,
  .action-status,
  .related,
  .js-controls,
  .hero-copy,
  .representative {
    display: none !important;
  }
  .container {
    max-width: none;
    padding: 0;
  }
  .home-hero {
    padding: 0;
  }
  .reading-layout {
    display: block;
  }
  .calculator {
    border: 0;
    border-radius: var(--radius);
    box-shadow: none;
  }
  .result-summary {
    padding: 12px 0;
    border: 0;
    background: white;
  }
  .totals strong {
    font-size: 24pt;
  }
  .ledger > div {
    font-size: 10pt;
    padding: 4px 0;
  }
  .result-meta,
  .fine {
    font-size: 9pt;
  }
  .schedule {
    border: 0;
    display: block;
  }
  .schedule summary {
    display: none;
  }
  .schedule-body {
    display: block !important;
    padding: 8px 0;
  }
  .schedule .table-scroll {
    display: block !important;
    overflow: visible;
    border: 0;
  }
  .schedule table {
    font-size: 8pt;
    white-space: normal;
  }
  .schedule th,
  .schedule td {
    padding: 5px 7px;
  }
  .schedule .mobile-schedule {
    display: none;
  }
  .schedule tr {
    break-inside: avoid;
  }
  thead {
    display: table-header-group;
  }
  tfoot {
    display: table-row-group;
  }
  .balance-graph {
    height: 60px;
  }
  .button,
  .text-button {
    display: none !important;
  }
  a {
    color: #000;
    text-decoration: none;
  }
  .printing-tool main > *:not(:has(.print-target)):not(.print-target) {
    display: none !important;
  }
  .printing-tool main *:has(.print-target) {
    display: block !important;
  }
  .printing-tool
    main
    :has(.print-target)
    > *:not(:has(.print-target)):not(.print-target) {
    display: none !important;
  }
  .print-target {
    display: block !important;
    background: white;
    border: 0;
    padding: 0;
  }
  .print-target .comparison-grid {
    display: flex;
  }
  .print-target .comparison-option {
    flex: 1;
    padding: 12px;
  }
  .line-comparison {
    padding: 12px 0;
    background: white;
  }
  .consolidation-verdict {
    padding: 12px 0;
    background: white;
  }
  .prose section,
  .comparison-option,
  .totals {
    break-inside: avoid;
  }
  .document-page {
    padding: 0;
  }
  .page-intro {
    padding: 12px 0;
  }
  .page-content {
    padding-bottom: 0;
  }
  .byline {
    font-size: 10pt;
  }
}

/* Affiliate links stay separate from the calculation and its controls. */
.partner-link { flex-direction: column; gap: 1px; text-align: center; }
.partner-link small { font-size: 11px; font-weight: 500; line-height: 1.2; }
.partner-block { display: flex; align-items: center; justify-content: space-between; gap: 24px; border-top: 1px solid var(--line, #d5deda); padding: 24px 0; margin-top: 24px; }
.partner-block > div { max-width: 62ch; }
.partner-block p { margin: 0; font-size: 14px; line-height: 1.5; }
.partner-block .partner-label { margin-bottom: 5px; font-size: 12px; font-weight: 700; }
.partner-block .partner-link { flex-shrink: 0; }
.site-footer .partner-block { margin: 0 0 32px; padding-top: 0; border-top: 0; border-bottom: 1px solid var(--line, #d5deda); }
.calculator .partner-block { grid-column: 1 / -1; grid-row: 5; margin: 0; padding: 24px; }
@media (max-width: 760px) {
  .partner-block { align-items: stretch; flex-direction: column; gap: 14px; }
}
@media print { .partner-block, .partner-link { display: none !important; } }