:root{--bg:#0c0c0e;--panel:#141417;--line:#2c2c32;--ink:#f3efe8;--mute:#aaa59d;--gold:#c9a96e;--gold2:#e6cf9f;--input:#0f0f12;--hover:#3a3a40;--ongold:#16130d;--err:#e08a7a;--ok:#9fd3ad;--foot:#8f8a83;--glow:#1d1a15;--link:var(--gold2);--shadow:0 30px 80px -30px #000;--ease:cubic-bezier(.2,.8,.2,1);color-scheme:dark}
:root[data-theme=light]{--bg:#f7f4ee;--panel:#ffffff;--line:#e3ddd2;--ink:#1b1915;--mute:#5d574e;--gold:#8a6a2f;--gold2:#7a5a22;--input:#fbf9f5;--hover:#cfc6b6;--ongold:#ffffff;--err:#a23b2a;--ok:#2f6b43;--foot:#6a645b;--glow:#efe6d4;--link:#7a5a22;--shadow:0 30px 70px -40px rgba(60,45,20,.35);color-scheme:light}
@media (prefers-color-scheme:light){:root:not([data-theme=dark]){--bg:#f7f4ee;--panel:#ffffff;--line:#e3ddd2;--ink:#1b1915;--mute:#5d574e;--gold:#8a6a2f;--gold2:#7a5a22;--input:#fbf9f5;--hover:#cfc6b6;--ongold:#ffffff;--err:#a23b2a;--ok:#2f6b43;--foot:#6a645b;--glow:#efe6d4;--link:#7a5a22;--shadow:0 30px 70px -40px rgba(60,45,20,.35);color-scheme:light}}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:radial-gradient(1200px 600px at 70% -10%,var(--glow),transparent 70%) no-repeat,var(--bg);color:var(--ink);font:15px/1.6 Inter,system-ui,sans-serif;-webkit-font-smoothing:antialiased;min-height:100vh}
a{color:var(--link);text-underline-offset:3px}
:focus-visible{outline:2px solid var(--gold2);outline-offset:3px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--panel);padding:8px 12px;border-radius:10px;z-index:9}.skip:focus{left:16px}
header.site{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 40px;max-width:1180px;margin:0 auto}
.brand{font-family:Fraunces,serif;font-size:24px;font-weight:500;color:var(--ink);text-decoration:none;letter-spacing:-.01em;display:flex;align-items:center;gap:10px}
.brand svg{width:28px;height:28px}
.brand em{font-style:italic;font-weight:400;color:var(--gold)}
nav.top{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}
nav.top a{color:var(--mute);text-decoration:none;padding:8px 10px;border-radius:99px;font-size:13px;transition:color .25s var(--ease),background .25s var(--ease)}
nav.top a:hover,nav.top a[aria-current=page]{color:var(--ink);background:color-mix(in srgb,var(--panel) 80%,transparent)}
.theme{background:none;border:1px solid var(--line);color:var(--ink);width:38px;height:38px;border-radius:50%;cursor:pointer;display:grid;place-items:center;transition:border-color .25s var(--ease)}
.theme:hover{border-color:var(--hover)}.theme svg{width:18px;height:18px}
main{max-width:880px;margin:0 auto;padding:56px 24px 72px}
.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.24em;color:var(--gold);margin:0 0 14px;font-weight:600}
h1{font-family:Fraunces,serif;font-weight:400;font-size:clamp(38px,6vw,62px);line-height:1.08;letter-spacing:-.02em;margin:0 0 18px}
h1 em{font-style:italic;color:var(--gold)}
h2{font-family:Fraunces,serif;font-weight:400;font-size:28px;line-height:1.2;letter-spacing:-.01em;margin:48px 0 12px}
h3{font-size:16px;font-weight:600;margin:0 0 6px}
.lede{color:var(--mute);font-size:17px;max-width:620px;margin:0 0 36px}
.rise{animation:rise .8s var(--ease) both}.d1{animation-delay:.1s}.d2{animation-delay:.2s}
@keyframes rise{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.panel{background:var(--panel);border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--shadow)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.tile{display:block;background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:22px;color:var(--ink);text-decoration:none;transition:border-color .3s var(--ease),transform .3s var(--ease)}
.tile:hover{border-color:var(--gold);transform:translateY(-2px)}
.tile p{color:var(--mute);margin:0;font-size:14px}
.tile .go{display:inline-block;margin-top:14px;color:var(--gold2);font-size:14px;font-weight:500}
.tile .ic{width:36px;height:36px;border-radius:10px;border:1px solid var(--line);display:grid;place-items:center;color:var(--gold);margin-bottom:14px;font-family:Fraunces,serif;font-size:18px}

.points p{color:var(--mute);margin:0;font-size:14px}
.tabs{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 22px;padding:4px;border:1px solid var(--line);border-radius:99px;width:fit-content;max-width:100%}
.tabs button{font:inherit;font-size:14px;background:none;border:0;color:var(--mute);padding:8px 16px;border-radius:99px;cursor:pointer;transition:background .25s var(--ease),color .25s var(--ease)}
.tabs button[aria-selected=true]{background:linear-gradient(135deg,var(--gold2),var(--gold));color:var(--ongold);font-weight:600}
.fields{display:grid;grid-template-columns:repeat(2,1fr);gap:16px 18px}
.fields.three{grid-template-columns:repeat(3,1fr)}
label.f{display:flex;flex-direction:column;gap:6px;font-size:13px;color:var(--mute);font-weight:500}
.f input,.f select{font:inherit;font-size:16px;color:var(--ink);background:var(--input);border:1px solid var(--line);border-radius:10px;padding:11px 12px;width:100%;font-variant-numeric:tabular-nums;transition:border-color .25s var(--ease),box-shadow .25s var(--ease);min-height:46px}
.f input:hover,.f select:hover{border-color:var(--hover)}
.f input:focus,.f select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,169,110,.25)}
.f input[aria-invalid=true]{border-color:var(--err)}
.f small{color:var(--foot);font-weight:400;font-size:12px}
.check{display:flex;align-items:center;gap:10px;font-size:14px;color:var(--ink);margin-top:16px;cursor:pointer}
.check input{width:18px;height:18px;accent-color:var(--gold)}
.result{margin-top:22px;border-top:1px solid var(--line);padding-top:20px;min-height:132px}
.big{font-family:Fraunces,serif;font-size:clamp(30px,5vw,42px);line-height:1.15;font-variant-numeric:tabular-nums;letter-spacing:-.01em;margin:0}
.work{margin:10px 0 0;color:var(--mute);font-size:14px;font-variant-numeric:tabular-nums}
.work code,.formula code{font-family:ui-monospace,Menlo,monospace;font-size:12.5px}
.err{color:var(--err);font-size:14px;margin:8px 0 0}
.note{border:1px solid var(--line);border-radius:12px;padding:14px 16px;color:var(--mute);font-size:14px;margin-top:18px;background:color-mix(in srgb,var(--panel) 60%,transparent)}
.note strong{color:var(--ink)}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.stat{border:1px solid var(--line);border-radius:12px;padding:12px 14px}
.stat span{display:block;font-size:12px;color:var(--mute)}
.stat b{font-variant-numeric:tabular-nums;font-weight:600;font-size:17px}
table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:14px}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line)}
th{color:var(--mute);font-weight:500;font-size:13px}
td.n,th.n{text-align:right}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px}
.sched{margin-top:18px}.sched .tablewrap{max-height:320px;overflow:auto}
.formula{background:var(--input);border:1px solid var(--line);border-radius:12px;padding:14px 16px;font-family:ui-monospace,Menlo,monospace;font-size:12.5px;overflow-x:auto;white-space:pre}
.prose p,.prose li{color:var(--ink)}
.prose ul,.prose ol{padding-left:20px}
.meta{color:var(--foot);font-size:13px;margin-top:36px}
.ad-zone{margin-top:64px;display:none}
.ad-zone.on{display:block}
.ad-label{display:block;height:22px;font-size:11px;color:var(--foot);text-transform:uppercase;letter-spacing:.16em}
.ad-slot{width:728px;max-width:100%;height:90px;margin:0 auto;contain:layout size paint}



footer.site a{color:var(--mute);text-decoration:none}footer.site a:hover{text-decoration:underline}
footer.site button.link{font:inherit;background:none;border:0;color:var(--mute);padding:0;cursor:pointer}
footer.site button.link:hover{text-decoration:underline}
#consent{position:fixed;left:16px;right:16px;bottom:16px;max-width:720px;margin:0 auto;background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:16px 18px;box-shadow:var(--shadow);display:none;gap:14px;align-items:center;justify-content:space-between;flex-wrap:wrap;z-index:5;font-size:14px}
#consent.show{display:flex}
#consent p{margin:0;color:var(--mute);flex:1 1 320px}
.btn{font:inherit;font-size:14px;font-weight:600;border-radius:12px;padding:10px 16px;cursor:pointer;border:1px solid var(--line);background:none;color:var(--ink);transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s var(--ease)}
.btn:hover{border-color:var(--hover)}
.btn.primary{background:linear-gradient(135deg,var(--gold2),var(--gold));color:var(--ongold);border:0}
.btn.primary:hover{box-shadow:0 10px 30px -10px var(--gold);transform:translateY(-1px)}
@media (max-width:760px){.ad-slot{width:320px;height:100px}.ad-zone{margin-top:56px;padding-bottom:24px}}
@media (max-width:720px){.grid3{grid-template-columns:1fr 1fr}.stats{grid-template-columns:repeat(2,1fr)}.fields.three{grid-template-columns:1fr 1fr}}
@media (max-width:480px){header.site{padding:16px}nav.top a.hide-s{display:none}main{padding:36px 16px 56px}.panel{border-radius:20px;padding:20px}.fields,.fields.three,.grid3{grid-template-columns:1fr}h2{font-size:24px}.tabs{border-radius:14px}.brand{font-size:21px}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
/* v1.1 mobile polish */
header.site{position:relative}
.menu{display:none;align-items:center;gap:7px;height:38px;padding:0 14px;border:1px solid var(--line);border-radius:99px;background:transparent;color:var(--ink);font:500 14px/1 inherit;font-family:inherit;cursor:pointer;transition:border-color .25s var(--ease)}
.menu:hover,.menu[aria-expanded=true]{border-color:var(--gold)}
.menu svg{transition:transform .25s var(--ease)}.menu[aria-expanded=true] svg{transform:rotate(180deg)}
.mnav{position:absolute;z-index:30;top:calc(100% - 4px);left:16px;right:16px;display:grid;grid-template-columns:1fr 1fr;gap:4px;padding:8px;background:var(--panel);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow)}
.mnav[hidden]{display:none}
nav.top .mnav a{color:var(--ink);text-decoration:none;padding:12px 14px;border-radius:10px;font-size:15px}
nav.top .mnav a:hover,nav.top .mnav a[aria-current=page]{color:var(--ink);background:color-mix(in srgb,var(--gold) 12%,transparent)}
.ad-zone.on{display:none}.ad-zone.on.filled{display:block}
@media (max-width:480px){
 nav.top>a{display:none}.menu{display:inline-flex}nav.top{gap:8px;flex-wrap:nowrap}
 main{padding:40px 16px 56px}.lede{font-size:15px;line-height:1.6;margin-bottom:28px}
 .grid3.calcs{grid-template-columns:1fr 1fr;gap:10px}
 .calcs .tile{padding:16px 14px;border-radius:14px}.calcs .tile .ic{width:32px;height:32px;margin-bottom:12px}
 .calcs .tile h3{font-size:15px;line-height:1.3;margin:0}.calcs .tile p,.calcs .tile .go{display:none}
 h2{margin-top:44px}
}

.stat b,td.n{font-variant-numeric:tabular-nums}
/* P4: welcoming, calm interactions */
.theme{width:44px;height:44px}.menu{height:44px}
.err{color:var(--ink);background:color-mix(in srgb,var(--gold) 10%,transparent);border-left:3px solid var(--gold);border-radius:0 10px 10px 0;padding:0;font-size:14px}
.err:not(:empty){padding:10px 14px;margin-top:12px}
.f input[aria-invalid=true]{border-color:var(--gold);box-shadow:0 0 0 3px color-mix(in srgb,var(--gold) 22%,transparent)}
.resetrow{display:flex;justify-content:flex-end;margin:4px 0 0}
.btn-reset,.btn-pdf{min-height:44px;padding:0 18px;border-radius:99px;border:1px solid var(--line);background:transparent;color:var(--ink);font:inherit;font-size:14px;font-weight:500;cursor:pointer;transition:border-color .25s var(--ease),background .25s var(--ease),transform .15s var(--ease)}
.btn-reset:hover,.btn-pdf:hover{border-color:var(--gold)}.btn-reset:active,.btn-pdf:active{transform:scale(.98)}
.btn-pdf{border-color:color-mix(in srgb,var(--gold) 55%,var(--line))}.btn-pdf:disabled{opacity:.7;cursor:progress}
.pdfrow{display:flex;flex-wrap:wrap;align-items:center;gap:8px 14px;margin-top:20px}.pdfrow small{color:var(--mute);font-size:13px}.pdf-msg{font-size:14px;color:var(--ink)}
fieldset.opt{border:1px solid var(--line);border-radius:14px;padding:16px 18px 6px;margin:18px 0 0}
fieldset.opt legend{padding:0 8px;font-weight:600;font-size:15px}fieldset.opt legend span{font-weight:400;color:var(--mute);font-size:13px;margin-left:6px}
.big.tick{animation:cvtick .32s var(--ease)}@keyframes cvtick{from{opacity:.35;transform:translateY(3px)}to{opacity:1;transform:none}}
footer.site nav a,.prose a{min-height:24px}
@media (max-width:480px){fieldset.opt{padding:14px 14px 4px}}
.tabs button,.btn,#consent-reset{min-height:44px}#consent-reset{padding:0 4px}
label:has(input[type=checkbox]){min-height:44px;display:flex;align-items:center;gap:10px;cursor:pointer}
/* F3–F7 */
.fields.two{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
fieldset.opt .hint{color:var(--mute);font-size:14px;margin:0 0 12px}
.fw[hidden],.f[hidden]{display:none}
.resetrow{flex-wrap:wrap;gap:8px;align-items:center}.share-msg{flex-basis:100%;text-align:right;font-size:14px;color:var(--mute);min-height:0;word-break:break-all}
.schedbar{display:flex;align-items:center;justify-content:space-between;gap:12px;margin:28px 0 12px;flex-wrap:wrap}.schedh{margin:0;font-size:16px}
.seg{display:inline-flex;border:1px solid var(--line);border-radius:99px;padding:3px}
.seg button{min-height:44px;padding:0 14px;border:0;border-radius:99px;background:none;color:var(--mute);font:inherit;font-size:14px;cursor:pointer;transition:background .25s var(--ease),color .25s var(--ease)}
.seg button[aria-pressed=true]{background:color-mix(in srgb,var(--gold) 16%,transparent);color:var(--ink);font-weight:600}
.tablewrap.tall{max-height:520px;overflow:auto}
.chart{margin:0 0 16px}.chart svg{width:100%;height:auto;display:block}
.chart .cg{stroke:var(--line);stroke-width:1}.chart .ct{fill:var(--mute);font-size:11px;font-family:Inter,system-ui,sans-serif}
.chart .ca{fill:none;stroke:var(--gold2);stroke-width:2.5;stroke-linejoin:round}.chart .cs{fill:none;stroke:var(--mute);stroke-width:2;stroke-dasharray:6 5}
.chart figcaption{display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:13px;color:var(--mute);margin-top:6px}
.lg{display:inline-block;width:18px;height:0;border-top:3px solid var(--gold2);margin-left:6px}.lg.ls{border-top:2px dashed var(--mute)}.lg:first-child{margin-left:0}
.recent{margin-top:56px}.recent-hd{display:flex;align-items:center;justify-content:space-between;gap:12px}.recent-hd h2{margin:0}
.recent ul{list-style:none;padding:0;margin:14px 0 8px;display:grid;gap:8px}
.recent a{display:grid;grid-template-columns:1fr auto;gap:2px 12px;padding:12px 16px;min-height:44px;border:1px solid var(--line);border-radius:12px;color:var(--ink);text-decoration:none;transition:border-color .25s var(--ease)}
.recent a:hover{border-color:var(--gold)}.rc-t{font-weight:600;font-size:14px}.rc-r{grid-row:span 2;align-self:center;font-variant-numeric:tabular-nums;color:var(--gold2);font-weight:600}.rc-d{font-size:13px;color:var(--mute)}
@media (max-width:480px){.fields.two{gap:12px 10px}.schedbar{margin-top:22px}}

/* v1.1.1 footer + how-it-works polish */
.hw{margin-top:64px}
.points{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:20px 0 8px}
.points>div{background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:22px 22px 24px}
.points h3{margin:14px 0 6px}
.pn{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;border:1px solid var(--line);background:var(--glow);color:var(--gold2);font-family:'Fraunces',Georgia,serif;font-size:14px;font-variant-numeric:tabular-nums}
footer.site{border-top:1px solid var(--line);margin-top:56px;padding:48px 0 44px;color:var(--foot);font-size:13px}
footer.site .in{max-width:880px;margin:0 auto;padding:0 24px}
.fcols{display:grid;grid-template-columns:2fr 1fr;gap:32px}
footer.site .fh{font-family:inherit;font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--foot);margin:0 0 14px}
.fl{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.fl.two{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 24px}
.fl li{margin:0;line-height:1.5}
footer.site .fl a,footer.site button.link{font:inherit;font-size:14px;line-height:1.5;color:var(--mute);text-decoration:none;background:none;border:0;padding:0;cursor:pointer;text-align:left;vertical-align:baseline}
footer.site .fl a:hover,footer.site button.link:hover{color:var(--ink);text-decoration:underline;text-underline-offset:3px}
footer.site .copy{margin:36px 0 0;padding-top:22px;border-top:1px solid var(--line);color:var(--foot);font-size:12px}
@media (max-width:720px){.points{grid-template-columns:1fr}.points>div{display:grid;grid-template-columns:34px 1fr;column-gap:16px;padding:18px}.points .pn{grid-row:span 2}.points h3{margin:6px 0 4px}}
@media (max-width:480px){footer.site{padding:36px 0 40px}footer.site .in{padding:0 16px}.fcols{grid-template-columns:1fr;gap:28px}.fl,.fl.two{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 16px}footer.site .fh{text-align:center;margin-bottom:6px}footer.site .fl a,footer.site button.link{display:flex;align-items:center;justify-content:center;min-height:44px;width:100%;text-align:center}footer.site .copy{text-align:center}}
footer.site{margin-top:0}
footer.site .fl a,footer.site #consent-reset{display:inline-flex;align-items:center;min-height:24px;padding:0}
@media (max-width:480px){footer.site .fl a,footer.site #consent-reset{display:flex;min-height:44px;padding:0}.fl li.wide{grid-column:1/-1}}
/* v1.2 loan start date + collapsible extras */
label.f{min-width:0}.f input,.f select{max-width:100%;min-width:0}
.opt-disc{margin:18px 0 0;border:1px solid var(--line);border-radius:14px;background:color-mix(in srgb,var(--panel) 65%,var(--input));transition:border-color .25s var(--ease)}
.opt-disc:hover,.opt-disc[open]{border-color:color-mix(in srgb,var(--gold) 45%,var(--line))}
.opt-sum{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:52px;padding:12px 18px;cursor:pointer;user-select:none;border-radius:14px}
.opt-sum::-webkit-details-marker{display:none}
.opt-sum:focus-visible{outline:2px solid var(--gold2);outline-offset:2px}
.opt-sum-l{display:flex;flex-wrap:wrap;align-items:baseline;gap:2px 10px;min-width:0}
.opt-title{font-weight:600;font-size:15px;color:var(--ink)}
.opt-sub{font-size:13px;color:var(--mute);font-weight:400}
.opt-sum-r{display:inline-flex;align-items:center;gap:10px;flex-shrink:0}
.opt-chip{font-size:12px;font-weight:500;font-variant-numeric:tabular-nums;color:var(--ink);background:color-mix(in srgb,var(--gold) 14%,transparent);border:1px solid color-mix(in srgb,var(--gold) 38%,var(--line));padding:3px 10px;border-radius:99px;white-space:nowrap}
.opt-chip[hidden]{display:none}
.opt-chev{color:var(--mute);transition:transform .25s var(--ease);flex-shrink:0}
.opt-disc[open] .opt-chev{transform:rotate(180deg);color:var(--gold2)}
.opt-body{padding:4px 18px 18px;border-top:1px solid var(--line)}
.opt-disc[open] .opt-body{animation:optOpen .26s var(--ease)}
@keyframes optOpen{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}
.opt-sec{padding-top:14px}
.opt-sec+.opt-sec{margin-top:16px;border-top:1px solid var(--line)}
.opt-h{font-size:14px;font-weight:600;color:var(--ink);margin:0 0 4px}
.opt-sec .hint{color:var(--mute);font-size:13.5px;margin:0 0 12px}
.setpay-live{margin:12px 0 0;padding:10px 14px;border-radius:10px;border:1px solid color-mix(in srgb,var(--gold) 38%,var(--line));background:color-mix(in srgb,var(--gold) 10%,transparent);color:var(--ink);font-size:14px;font-variant-numeric:tabular-nums}
.setpay-live[hidden]{display:none}
.today-card{margin:18px 0 4px;padding:16px 18px;border:1px solid color-mix(in srgb,var(--gold) 38%,var(--line));border-radius:14px;background:color-mix(in srgb,var(--gold) 6%,var(--panel))}
.today-card[hidden]{display:none}
.today-hd{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:4px 12px;margin-bottom:12px}
.today-hd h3{margin:0;font-size:15px;font-weight:600;color:var(--ink)}
.today-chip{font-size:12.5px;color:var(--mute);font-variant-numeric:tabular-nums}
.today-card .stats{margin-top:0}
td.mcol{white-space:nowrap;font-variant-numeric:tabular-nums}
.yr-n{font-weight:600;color:var(--ink);margin-right:4px}
.yr-d{color:var(--mute);font-size:13px}
tr.is-today td{background:color-mix(in srgb,var(--gold) 10%,transparent)}
.today-tag{display:inline-block;margin-left:6px;padding:1px 7px;border-radius:99px;font-size:11px;font-weight:600;color:var(--ink);background:color-mix(in srgb,var(--gold) 18%,transparent);border:1px solid color-mix(in srgb,var(--gold) 42%,var(--line));vertical-align:1px}
.chart .ctoday-ln{stroke:var(--gold2);stroke-width:1.4;stroke-dasharray:3 3}
.chart .ctoday-dot{fill:var(--gold2);stroke:var(--panel);stroke-width:1.6}
.lg.lt{width:8px;height:8px;border:0;border-radius:50%;background:var(--gold2)}
.prose h3{margin:22px 0 6px;font-size:16px;font-weight:600}
@media (max-width:560px){
 .fields.two{grid-template-columns:1fr;gap:12px}
 .opt-sum{padding:12px 14px}.opt-body{padding:4px 14px 14px}.today-card{padding:14px}
 .yr-d{display:block;font-size:12px}
}
/* v1.2 car loan calculator + responsive grid polish */
.tabs button[aria-pressed=true]{background:var(--gold) linear-gradient(135deg,var(--gold2),var(--gold));color:var(--ongold);font-weight:600}
select[hidden]{display:none}
.tile .ic svg{width:18px;height:18px;display:block}
.chipbar{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin-top:16px}
.chipbar-l{font-size:13px;font-weight:500;color:var(--mute);margin-right:4px}
.tchip{min-height:44px;min-width:58px;padding:0 14px;border-radius:99px;border:1px solid var(--line);background:var(--input);color:var(--mute);font:inherit;font-size:13.5px;font-weight:500;font-variant-numeric:tabular-nums;cursor:pointer;transition:border-color .25s var(--ease),background .25s var(--ease),color .25s var(--ease)}
.tchip:hover{border-color:var(--hover);color:var(--ink)}
.tchip[aria-pressed=true]{background:color-mix(in srgb,var(--gold) 16%,var(--panel));border-color:var(--gold);color:var(--ink);font-weight:600}
.checks{display:grid;gap:6px;margin-top:14px}
.checks .check{margin-top:0;align-items:center;line-height:1.45}
.check input{flex-shrink:0}
.check em{font-style:normal;color:var(--mute);font-size:13px}
.stat{min-width:0}
.stat b,.big{overflow-wrap:anywhere}
@media (max-width:480px){
 .calcs .tile .ic svg{width:16px;height:16px}
 .fl.two li:last-child:nth-child(odd),.grid3.calcs>.tile:last-child:nth-child(odd){grid-column:1/-1}
 .chipbar-l{flex-basis:100%;margin:0 0 -2px}
}