:root{--bg:#F6F3EC;--surface:#FFFFFF;--surface-2:#FBFAF6;--ink:#1A1A17;--ink-2:#4A463E;--mut:#6E6A60;--mut-2:#8A8478;--mut-3:#9A9486;--faint:#A8A294;--line:#E6E0D4;--line-2:#E0DACE;--line-3:#EDE8DC;--row:#F1ECE1;--hover-line:#CFC8B8;--green:#1E4D3B;--green-ink:#EAF1EC;--green-mut:#9FB5A4;--green-soft:#B9CDBE;--green-faint:#7E978A;--green-tile:#EDF2EC;--green-accent:#9FE0B8;--amber-bg:#F3E6D8;--amber-ink:#9A4F22;--amber-line:#E9D3BC;--amber-dot:#B5652E;--peach:#F0C9A8;--r-tile:8px;--r-ip:11px;--r-sm:12px;--r:16px;--r-lg:20px;--r-xl:22px;--r-pill:999px;--font-ui:"Schibsted Grotesk",system-ui,-apple-system,"Segoe UI",sans-serif;--font-num:"JetBrains Mono",ui-monospace,"SFM Mono",Menlo,monospace;--maxw:1120px;--s-1:4px;--s-2:8px;--s-3:12px;--s-4:16px;--s-5:24px;--s-6:32px;--s-7:48px;--s-8:64px}*{box-sizing:border-box}html,body{margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{background:var(--bg);color:var(--ink);font-family:var(--font-ui);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility;padding-left:env(safe-area-inset-left);padding-right:env(safe-area-inset-right)}a{color:var(--green);text-decoration:none}a:hover{text-decoration:underline}main{max-width:var(--maxw);margin:0 auto;padding:0 20px}h1{font-size:clamp(26px,3.6vw,38px);line-height:1.05;letter-spacing:-.025em;font-weight:700;margin:0}h2{font-size:clamp(21px,2.6vw,30px);letter-spacing:-.02em;font-weight:700;margin:0 0 var(--s-4)}h3{font-size:15.5px;font-weight:600;margin:0}p{margin:0 0 var(--s-3);line-height:1.55}small{color:var(--mut)}.num,.alc-mono,.alc-amort td,.alc-amort th,.breakdown-dark b,.mobilebar b,.alc-num{font-family:var(--font-num);font-variant-numeric:tabular-nums}input:focus,select:focus,button:focus{outline:none}*:has(>input:focus-visible),*:has(>select:focus-visible){box-shadow:0 0 0 3px #1e4d3b2e;border-color:var(--green)!important}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--green);outline-offset:2px}::selection{background:var(--green);color:var(--bg)}.alc-scroll::-webkit-scrollbar{width:10px;height:10px}.alc-scroll::-webkit-scrollbar-thumb{background:#d8d2c4;border-radius:8px;border:2px solid #fff}.site-head{position:sticky;top:0;z-index:50;background:#f6f3ecd1;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);padding-top:env(safe-area-inset-top)}.site-head .bar{max-width:var(--maxw);margin:0 auto;padding:0 20px;height:60px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:11px;cursor:pointer;color:var(--ink)}.brand:hover{text-decoration:none}.brand-tile{width:30px;height:30px;border-radius:var(--r-tile);background:var(--green);color:var(--bg);display:flex;align-items:center;justify-content:center;font-family:var(--font-num);font-weight:700;font-size:16px}.brand span{font-weight:700;font-size:15.5px;letter-spacing:-.01em}.site-head nav{display:flex;align-items:center;gap:18px}.site-head nav a{font-size:14px;font-weight:600;color:var(--green)}.site-head .menu-btn{background:none;border:none;cursor:pointer;font-size:14px;font-weight:600;color:var(--green);display:flex;align-items:center;gap:6px;padding:8px 2px;font-family:inherit}.badge{display:inline-flex;align-items:center;gap:7px;padding:5px 11px;border-radius:var(--r-pill);font-size:12.5px;font-weight:600}.badge-amber{background:var(--amber-bg);color:var(--amber-ink);border:1px solid var(--amber-line)}.badge .dot{width:6px;height:6px;border-radius:99px;background:var(--amber-dot);display:inline-block}.hero{padding:56px 0 36px}.hero h1{font-size:clamp(34px,5.4vw,56px);line-height:1.04;letter-spacing:-.03em;font-weight:700;margin:18px 0 0;max-width:14ch}.hero .sub{font-size:clamp(16px,2vw,19px);line-height:1.5;color:var(--mut);margin:18px 0 0;max-width:52ch}.filter{margin-top:26px;max-width:440px;position:relative}.filter svg,.filter .ico{position:absolute;left:16px;top:50%;transform:translateY(-50%);color:var(--faint)}.filter input{width:100%;height:50px;padding:0 16px 0 42px;border:1px solid var(--line);background:#fff;border-radius:var(--r-sm);font-size:15.5px;color:var(--ink);font-family:inherit}.grid{display:grid;gap:14px;margin:8px 0}.grid-cards{grid-template-columns:repeat(auto-fill,minmax(232px,1fr))}.card{display:flex;flex-direction:column;gap:12px;text-align:left;cursor:pointer;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 18px 16px;color:var(--ink);font-family:inherit;transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease}.card:hover{text-decoration:none;border-color:var(--hover-line);transform:translateY(-3px);box-shadow:0 10px 24px -12px #1e4d3b59}.card .top{display:flex;align-items:center;justify-content:space-between}.card .arrow{color:#c7c0b0;font-size:18px}.card .label{font-weight:700;font-size:16px;letter-spacing:-.01em}.card .kind{color:var(--mut-2);font-size:12.5px;margin-top:3px}.card .apr{margin-top:2px;font-family:var(--font-num);font-size:12.5px;color:var(--mut);font-weight:500}.icon-tile{width:42px;height:42px;border-radius:11px;background:var(--green-tile);color:var(--green);display:flex;align-items:center;justify-content:center}.icon-tile.sm{width:34px;height:34px;border-radius:9px}.icon-tile.lg{width:48px;height:48px;border-radius:13px}.icon-tile svg{width:22px;height:22px}.icon-tile.sm svg{width:18px;height:18px}.no-results{text-align:center;color:var(--mut-2);padding:40px 0;font-size:15px}.honest{margin:48px 0 8px;background:var(--green);color:var(--green-ink);border-radius:var(--r-xl);padding:clamp(28px,4vw,44px)}.honest .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:28px 40px}.honest h2{color:var(--green-ink);font-size:clamp(24px,3vw,30px)}.honest p{color:var(--green-soft)}.honest-list{display:flex;flex-direction:column;gap:18px}.honest-list .row{display:flex;gap:13px;align-items:flex-start}.honest-list .tick{color:var(--green-accent);font-size:18px;line-height:1.2}.honest-list .t{font-weight:600;font-size:15px}.honest-list .m{color:var(--green-mut);font-size:13.5px;margin-top:2px}.crumb{display:flex;align-items:center;gap:7px;font-size:13px;color:var(--mut-3)}.crumb button,.crumb a{background:none;border:none;cursor:pointer;color:var(--mut-2);font-size:13px;font-weight:600;padding:6px 2px;font-family:inherit}.crumb .sep{color:#cfc8b8}.crumb .here{font-weight:600;color:var(--mut)}.calc-head{display:flex;align-items:center;gap:14px;margin-top:12px}.calc-head h1{font-size:clamp(26px,3.6vw,38px)}.calc-desc{font-size:16px;line-height:1.55;color:var(--mut);margin:14px 0 0;max-width:62ch}.alc-wrap{display:flex;flex-wrap:wrap;gap:22px;align-items:flex-start;margin-top:22px}.calc-card{flex:1 1 400px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(20px,2.6vw,28px)}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.calc-grid .span{grid-column:1 / -1}.field label{display:block;font-size:13px;font-weight:600;color:var(--ink-2);margin-bottom:7px}.ip{display:flex;align-items:center;height:52px;border:1px solid var(--line-2);border-radius:var(--r-ip);background:var(--surface-2);padding:0 14px}.ip.sm{height:50px}.ip .pre,.ip .post{color:var(--faint);font-family:var(--font-num);font-size:15px}.ip input,.ip select{flex:1;border:none;background:none;height:100%;padding:0 0 0 8px;font-family:var(--font-num);font-size:16px;font-weight:500;color:var(--ink);width:100%}.ip input:first-child,.ip select:first-child{padding-left:0}.ip .post{padding-left:8px}.ip-sel{position:relative}.ip-sel select{padding:0 38px 0 14px;cursor:pointer;appearance:none}.ip-sel .chev{position:absolute;right:15px;top:50%;transform:translateY(-50%);pointer-events:none;color:var(--mut-3);font-size:11px}.field .hint{font-size:12px;color:var(--mut-3);margin-top:6px}.field .hint.mono{font-family:var(--font-num)}.calc-divider{display:flex;align-items:center;gap:12px;margin:24px 0 18px}.calc-divider span{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--faint)}.calc-divider .ln{flex:1;height:1px;background:var(--line-3)}.result-dark{flex:1 1 330px;max-width:400px;position:sticky;top:78px;background:var(--green);color:var(--green-ink);border-radius:var(--r-lg);padding:clamp(22px,2.6vw,28px);box-shadow:0 24px 50px -24px #163a2c8c}.result-dark .lbl{font-size:13px;font-weight:600;color:var(--green-mut);letter-spacing:.01em}.result-dark .pay{display:flex;align-items:baseline;gap:8px;margin-top:6px}.result-dark .pay .big{font-family:var(--font-num);font-weight:700;font-size:clamp(40px,7vw,58px);line-height:1;letter-spacing:-.02em;color:#fff}.result-dark .pay .per{font-size:17px;color:var(--green-mut);font-weight:500}.motivation{margin-top:16px;background:#ffffff12;border:1px solid rgba(255,255,255,.1);border-radius:var(--r-sm);padding:13px 15px;font-size:13.5px;line-height:1.45;color:#cfe0d2}.breakdown-dark{margin-top:18px;display:flex;flex-direction:column;gap:1px}.breakdown-dark .bd{display:flex;justify-content:space-between;align-items:center;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.12)}.breakdown-dark .bd:last-child{border-bottom:0}.breakdown-dark .bd .k{font-size:13.5px;color:var(--green-mut)}.breakdown-dark .bd b{font-size:15px;font-weight:600;color:var(--green-ink)}.breakdown-dark .bd.interest b{color:var(--peach)}.how-link{margin-top:12px;background:none;border:none;padding:2px 0;cursor:pointer;color:var(--green-accent);font-size:12.5px;font-weight:500;text-decoration:underline;text-underline-offset:3px;text-decoration-color:#9fe0b866;font-family:inherit}.copy-btn{margin-top:18px;width:100%;height:46px;border-radius:var(--r-ip);border:1px solid rgba(255,255,255,.22);background:#ffffff0f;color:var(--green-ink);font-size:14px;font-weight:600;cursor:pointer;font-family:inherit;transition:background .15s,border-color .15s}.copy-btn:hover{background:#ffffff1f;border-color:#fff6;color:#fff}.result-foot{margin-top:14px;display:flex;align-items:center;gap:8px;justify-content:center}.estimate-tag{font-size:11px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--green-faint);border:1px solid rgba(255,255,255,.16);border-radius:99px;padding:3px 10px}.result-foot .payoff{font-size:12px;color:var(--green-faint)}.mobilebar{display:none}@media (max-width:899px){.mobilebar{position:fixed;left:0;right:0;bottom:0;z-index:60;cursor:pointer;background:var(--green);color:var(--green-ink);padding:13px 20px calc(13px + env(safe-area-inset-bottom));align-items:center;justify-content:space-between;box-shadow:0 -10px 28px -14px #00000073;display:flex}.mobilebar .ml{font-size:12.5px;color:var(--green-mut);font-weight:600}.mobilebar .mr{font-family:var(--font-num);font-size:23px;font-weight:700;color:#fff;display:flex;align-items:baseline;gap:5px}.mobilebar .mr small{font-size:13px;color:var(--green-mut);font-weight:500}.alc-calcmain{padding-bottom:88px}}.amort{margin-top:28px}.amort-toggle{width:100%;text-align:left;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 20px;cursor:pointer;display:flex;align-items:center;justify-content:space-between;font-family:inherit}.amort-toggle .t{font-weight:700;font-size:15.5px;color:var(--ink)}.amort-toggle .c{color:var(--green);font-size:13px;font-weight:600}.amort-panel{margin-top:12px;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}.alc-amort{width:100%;border-collapse:collapse;min-width:480px}.alc-amort thead th{display:none}.amort-head,.amort-row{display:grid;grid-template-columns:48px 1fr 1fr 1fr 1.1fr;gap:0;padding:9px 18px;align-items:center}.amort-head{background:var(--surface-2);border-bottom:1px solid var(--line-3);font-size:11.5px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--mut-3)}.amort-head span{text-align:right}.amort-head span:first-child{text-align:left}.amort-row{border-bottom:1px solid var(--row);font-size:12.5px}.amort-row:last-child{border-bottom:0}.amort-row.zebra{background:var(--surface-2)}.amort-row .n{color:var(--faint)}.amort-row .pay{color:var(--ink-2);text-align:right}.amort-row .prin{color:var(--green);font-weight:500;text-align:right}.amort-row .ints{color:var(--amber-dot);text-align:right}.amort-row .bal{color:var(--ink);font-weight:500;text-align:right}.amort-wrap{max-height:400px;overflow:auto;-webkit-overflow-scrolling:touch}.alc-lower{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;margin:36px 0 0;align-items:start}.faq2 h2{font-size:21px}.faq2 .item{border-bottom:1px solid var(--line-3);padding-bottom:16px;margin-bottom:16px}.faq2 .item h3{font-weight:600;font-size:15.5px;color:var(--ink)}.faq2 .item p{font-size:14.5px;color:var(--mut);margin:7px 0 0;max-width:68ch}.method-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}.method-card .k{font-size:13.5px;font-weight:700;margin:0;color:var(--ink)}.method-card .v{font-size:13.5px;line-height:1.55;color:var(--mut);margin:8px 0 0;max-width:70ch}.method-card .sep{height:1px;background:var(--line-3);margin:18px 0}.related-head{font-size:14px;font-weight:700;margin:26px 0 12px;color:var(--ink-2)}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.related-card{text-align:left;cursor:pointer;background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);padding:13px 14px;display:flex;align-items:center;gap:11px;color:var(--ink);font-family:inherit;transition:border-color .15s,box-shadow .15s}.related-card:hover{border-color:var(--hover-line);text-decoration:none;box-shadow:0 8px 18px -12px #1e4d3b59}.related-card .label{font-weight:600;font-size:13.5px;line-height:1.2}.about section{margin:var(--s-7) 0}.about .lede{color:var(--mut);font-size:17px;margin-bottom:var(--s-5)}.about .tagline{color:var(--mut);font-size:17px;margin:var(--s-1) 0}.about h3{color:var(--mut);font-weight:600;margin:0 0 var(--s-2)}.about h1{font-size:clamp(30px,4.5vw,44px)}.about .disclaimer{margin-top:var(--s-6);font-size:13px;color:var(--mut-2)}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--s-4);margin:var(--s-6) 0}@media (max-width:620px){.stats{grid-template-columns:repeat(2,1fr)}}.stat{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:var(--s-4);text-align:center}.stat .n{display:block;font-size:34px;font-weight:800;color:var(--green);letter-spacing:-.02em}.stat .l{display:block;color:var(--mut);font-size:13px;font-weight:600;margin-top:4px}.pricing{display:grid;grid-template-columns:1fr 1fr;gap:var(--s-4);margin:var(--s-5) 0}@media (max-width:620px){.pricing{grid-template-columns:1fr}}.tier{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s-5)}.tier.best{border-color:var(--green);box-shadow:0 0 0 2px #1e4d3b29}.tier h3{margin:0 0 var(--s-2);font-size:16px;color:var(--ink);font-weight:800}.tier .price{display:block;font-family:var(--font-num);font-size:32px;font-weight:800;color:var(--ink);letter-spacing:-.02em;margin-bottom:var(--s-2)}.tier .price small{font-size:13px;color:var(--mut);font-weight:600}.tier p{color:var(--mut);font-size:14px}.tier ul{list-style:none;padding:0;margin:var(--s-3) 0 var(--s-4);font-size:14px;color:var(--ink);line-height:1.8}.tier ul li:before{content:"✓ ";color:var(--green);font-weight:700}.btn{display:inline-block;background:var(--green);color:var(--green-ink);font-weight:700;padding:13px 22px;border-radius:var(--r-ip);font-size:14.5px;margin:6px 0;font-family:inherit;box-shadow:none;transition:background .15s}.btn:hover{background:#163a2d;text-decoration:none;color:var(--green-ink)}.links{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-3);margin:var(--s-5) 0}@media (max-width:620px){.links{grid-template-columns:1fr}}.linkcard{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:var(--s-4);color:var(--ink);transition:border-color .15s,box-shadow .15s}.linkcard:hover{border-color:var(--hover-line);text-decoration:none;box-shadow:0 8px 18px -12px #1e4d3b59}.linkcard .t{display:block;font-weight:800;letter-spacing:-.01em}.linkcard .m{display:block;color:var(--mut);font-size:13px;margin-top:2px}.site-foot{border-top:1px solid var(--line);margin-top:56px}.site-foot .in{max-width:var(--maxw);margin:0 auto;padding:30px 20px calc(44px + env(safe-area-inset-bottom))}.site-foot .fbrand{display:flex;align-items:center;gap:10px}.site-foot .fbrand .brand-tile{width:24px;height:24px;border-radius:6px;font-size:13px}.site-foot .fbrand span{font-weight:700;font-size:14px}.site-foot p{font-size:12.5px;line-height:1.6;color:var(--mut-3);margin:14px 0 0;max-width:80ch}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}@media (hover:none){.card:hover,.related-card:hover,.linkcard:hover{transform:none;box-shadow:none}}
