:root{--navy:#152e3f;--gold:#a1843c;--border:#d7dee3;--muted:#50616c}*{box-sizing:border-box}body{margin:0;background:#f5f6f6;color:var(--navy);font:16px/1.6 Arial,Helvetica,sans-serif}a{color:inherit}button,input{font:inherit}button{min-height:44px;padding:10px 18px;background:var(--navy);color:#fff;border:1px solid var(--navy);border-radius:7px;cursor:pointer;font-weight:600}button.secondary{background:#fff;color:var(--navy);border-color:var(--border)}button:disabled{opacity:.55;cursor:default}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible,.table-scroll:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.skip{position:absolute;left:12px;top:-80px;padding:10px;background:white;z-index:2}.skip:focus{top:12px}.masthead{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;padding:22px max(24px,calc((100vw - 1200px)/2));background:var(--navy);color:white;border-bottom:3px solid var(--gold)}.brand{text-decoration:none;letter-spacing:3px;font-size:26px;font-weight:bold}.brand span{display:block;letter-spacing:2px;font-size:10px}.masthead nav{display:flex;gap:24px;flex-wrap:wrap}.masthead nav a{min-height:44px;display:flex;align-items:center}main{max-width:1256px;margin:0 auto;padding:44px 28px 64px}.eyebrow{font-size:12px;letter-spacing:2px;font-weight:bold;color:var(--muted)}h1{font-size:clamp(28px,4vw,42px);line-height:1.2;margin:12px 0 16px}h2{font-size:23px;line-height:1.3;margin:0 0 14px}h3{font-size:18px}.intro{max-width:760px;color:var(--muted);margin-bottom:32px}.calculator-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:24px}.card{padding:28px;background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:24px;min-width:0}.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:24px 0}label{display:flex;flex-direction:column;gap:7px;font-size:14px;font-weight:600}input{width:100%;min-width:0;min-height:46px;border:1px solid #8d9da8;border-radius:6px;padding:10px;background:white;color:var(--navy)}details{border-top:1px solid var(--border);padding:16px 0;margin-bottom:12px}summary{cursor:pointer;min-height:44px;font-weight:600}.notice{border-left:3px solid var(--gold);background:#faf8f1;padding:18px;line-height:1.6}.metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:24px 0}.metrics div{border-bottom:1px solid var(--border);padding-bottom:16px}.metrics dt{font-size:13px;color:var(--muted)}.metrics dd{margin:6px 0 0;font-size:22px;font-weight:bold;overflow-wrap:anywhere}.schedule-toolbar{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;margin:22px 0}.table-scroll{max-width:100%;overflow:auto}table{width:100%;border-collapse:collapse;font-size:14px}caption{text-align:left;padding:10px 0;color:var(--muted)}th,td{text-align:right;padding:12px;white-space:nowrap;border-bottom:1px solid var(--border)}th{background:#f3f5f6}th:first-child,td:first-child{text-align:left}.equity-scenario{border-top:1px solid var(--border);padding:16px 0}.equity-scenario p{margin:5px 0}footer{max-width:1200px;margin:auto;padding:24px 28px;border-top:1px solid var(--border);font-size:13px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}footer span{color:var(--muted)}[hidden]{display:none!important}@media(max-width:850px){.calculator-grid{grid-template-columns:1fr}.metrics{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:480px){main{padding:28px 16px}.masthead{padding:18px 20px}.card{padding:20px}.fields,.metrics{grid-template-columns:1fr}.schedule-toolbar button{flex:1}.schedule-toolbar p{flex-basis:100%;order:2}.masthead nav{gap:16px;font-size:14px}}