@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;450;500;600;650;700&family=Manrope:wght@400;500;600;650;700;750;800&display=swap');
:root{--ink:#162c40;--navy:#102e45;--blue:#246bad;--teal:#0b756f;--pale:#edf6f5;--line:#dce5ec;--muted:#5c6b78;--bg:#f4f7fa;--gold:#e6b953}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 'DM Sans',sans-serif}h1,h2,h3,.brand,.big-number{font-family:Manrope,sans-serif}a{color:var(--blue);text-underline-offset:4px}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #d6951c;outline-offset:4px}button{cursor:pointer}button:disabled{opacity:.45;cursor:default}.skip{position:absolute;top:-100px;left:10px;background:white;padding:10px;z-index:10}.skip:focus{top:10px}.topbar{background:var(--navy);color:#dbe8f0;font-size:13px;letter-spacing:.02em;padding:7px 24px;text-align:center}.topbar b{color:#fff;font-weight:600}.header{background:#fff;border-bottom:1px solid var(--line)}.header-inner{max-width:1224px;margin:auto;padding:22px 28px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:11px;color:var(--navy);text-decoration:none;font-weight:800;font-size:18px;line-height:1.2;letter-spacing:-.5px}.brand small{font-size:11px;letter-spacing:2.1px;font-weight:700;display:block;margin-top:5px}.brand svg{width:39px;height:39px}.nav{display:flex;gap:26px;align-items:center}.nav a{font-size:14px;font-weight:600;color:#465969;text-decoration:none}.nav a:hover,.nav a.active{color:var(--teal)}.nav .nav-help{background:#edf4f7;padding:9px 16px;border-radius:6px}.wrap{max-width:1224px;margin:0 auto;padding:36px 28px 60px}.eyebrow{text-transform:uppercase;letter-spacing:1.8px;font-size:12px;font-weight:800;color:var(--teal);margin:0 0 7px}.page-intro{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-bottom:27px}h1{font-size:36px;line-height:1.2;letter-spacing:-1.2px;margin:0 0 10px;font-weight:800}.page-intro p{color:var(--muted);margin:0}.date-chip{font-size:13px;white-space:nowrap;color:var(--teal);background:#e8f3ef;border:1px solid #cce3db;border-radius:30px;padding:7px 13px}.calc-grid{display:grid;grid-template-columns:minmax(0,1.48fr) minmax(300px,1fr);gap:24px;align-items:start}.panel{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}.panel-head{padding:22px 25px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center;gap:15px}.panel-head h2{font-size:19px;margin:0;letter-spacing:-.4px}.step{background:#eaf2f8;display:inline-grid;place-items:center;color:var(--blue);width:26px;height:26px;font-size:13px;margin-right:9px;border-radius:50%;vertical-align:2px}.quiet-btn{border:0;background:transparent;color:var(--muted);font-size:14px;padding:6px}.quiet-btn:hover{color:var(--blue);text-decoration:underline}.panel-body{padding:23px 25px}.note{font-size:14px;color:var(--muted);margin:0 0 18px}.row-labels,.rating-row{display:grid;grid-template-columns:minmax(100px,1fr) 92px 158px 30px;gap:10px;align-items:center}.row-labels{font-size:12px;font-weight:700;color:var(--muted);margin-bottom:9px}.rating-row{margin-bottom:12px}.rating-row input,.rating-row select,.field select,.field input{min-width:0;width:100%;border:1px solid #cad6df;border-radius:6px;padding:10px 9px;background:#fff;color:var(--ink);height:45px;font-size:14px}.rating-row input::placeholder{color:#7a8792}.remove{border:0;background:transparent;font-size:23px;color:#768692;padding:0;width:30px;height:40px}.remove:hover{color:#a72d32}.add{border:1px dashed #7faaa9;border-radius:6px;background:#f4faf9;color:var(--teal);width:100%;padding:10px;font-weight:700;font-size:14px;margin-top:2px}.help-line{font-size:13px;color:var(--muted);margin:13px 0 0}.help-line a{color:var(--teal)}.family{margin-top:20px}.family-fields{display:grid;grid-template-columns:1fr 1fr;gap:17px}.field label{font-size:13px;font-weight:600;display:block;margin-bottom:5px}.check{display:flex;gap:9px;align-items:start;font-size:14px;color:#455b69}.check input{accent-color:var(--teal);width:18px;height:18px;flex-shrink:0;margin-top:3px}.result{background:var(--navy);color:#fff;border-radius:12px;padding:27px 29px;position:relative;overflow:hidden}.result .eyebrow{color:#adcad7;font-size:11px}.result-title{display:flex;justify-content:space-between;align-items:center;color:#dce7ee;font-size:15px}.pill{border:1px solid #486171;padding:3px 10px;border-radius:20px;font-size:12px;color:#d3e3eb}.big-number{font-size:78px;line-height:1.2;letter-spacing:-5px;font-weight:750;margin:9px 0 5px}.big-number span{font-size:38px;font-weight:500;letter-spacing:-1px;color:#b7ccd8;margin-left:3px}.meter{height:7px;background:#345064;border-radius:6px;margin:15px 0 12px;overflow:hidden}.meter i{display:block;height:100%;background:var(--gold);border-radius:6px;transition:width .25s}.raw{font-size:13px;color:#bcd1de}.pay{margin-top:22px;border-top:1px solid #365166;padding-top:22px}.pay-label{color:#c1d4df;font-size:13px}.money{font-family:Manrope,sans-serif;font-weight:750;font-size:36px;letter-spacing:-1px;line-height:1.5}.money small{font-size:15px;letter-spacing:0;font-weight:400;color:#bfd0db}.annual{color:#bfd0db;font-size:13px}.result-footer{color:#a9c2d1;font-size:12px;border-top:1px solid #365166;padding-top:16px;margin-top:20px;line-height:1.6}.result-footer a{color:#dce9ee}.result-message{padding:10px 12px;background:#23485d;border-radius:5px;color:#e5edf2;font-size:13px;margin-top:15px}.compare{margin-top:17px;border:1px solid var(--line);background:#fff;border-radius:10px;padding:18px 21px}.compare h3{margin:0 0 5px;font-size:16px}.compare p{font-size:14px;color:var(--muted);margin:0 0 13px}.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--teal);border:1px solid var(--teal);color:#fff;padding:10px 18px;border-radius:6px;font-size:14px;font-weight:700;text-decoration:none}.button.secondary{background:white;color:var(--teal)}.comparison{margin-top:15px;border-top:1px solid var(--line);padding-top:14px;font-size:14px}.comparison strong{display:block;color:var(--teal);font-size:23px}.trust{display:flex;gap:22px;justify-content:center;margin-top:21px;color:var(--muted);font-size:12px}.trust span{display:flex;align-items:center;gap:5px}.math{margin-top:20px;background:white;border:1px solid var(--line);border-radius:9px}.math summary{padding:16px 23px;font-size:15px;font-weight:700;cursor:pointer}.math-content{border-top:1px solid var(--line);padding:20px 24px;font-size:14px}.math-content ol{padding-left:21px}.math-content li{margin:8px 0}.section-title{display:flex;justify-content:space-between;align-items:baseline;gap:18px;margin:42px 0 18px}.section-title h2{font-size:25px;letter-spacing:-.65px;margin:0}.section-title a{font-size:14px;font-weight:600;text-decoration:none}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.card{background:#fff;border:1px solid var(--line);border-radius:9px;padding:23px;text-decoration:none;color:var(--ink);transition:transform .15s,border-color .15s}.card:hover{border-color:#7aabaa;transform:translateY(-2px)}.card .category{font-size:11px;letter-spacing:1.4px;color:var(--teal);font-weight:800;text-transform:uppercase}.card h3{font-size:18px;line-height:1.4;margin:12px 0 9px;letter-spacing:-.3px}.card p{font-size:14px;line-height:1.7;margin:0;color:var(--muted)}.card .read{font-size:13px;font-weight:700;margin-top:20px;display:block;color:var(--teal)}.loan-banner{display:grid;grid-template-columns:1fr auto;align-items:center;gap:30px;padding:28px 32px;background:#e4eff2;border-radius:10px;margin:25px 0}.loan-banner h2{margin:0 0 6px;font-size:22px;letter-spacing:-.5px}.loan-banner p{margin:0;font-size:14px;color:#486371;max-width:640px}.faq{background:white;border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line);padding:17px 20px}.faq summary{font-weight:650;cursor:pointer}.faq p{color:var(--muted);font-size:15px;max-width:850px}.footer{background:#fff;border-top:1px solid var(--line);padding:35px 28px;color:var(--muted);font-size:13px}.footer-inner{max-width:1168px;margin:auto;display:flex;justify-content:space-between;gap:40px}.footer p{max-width:590px;margin:12px 0 0}.footer-links{display:flex;gap:20px;align-items:start;flex-wrap:wrap}.footer-links a{color:var(--muted);text-decoration:none}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:60px}.article{background:#fff;padding:34px 40px;border:1px solid var(--line);border-radius:10px}.article h1{font-size:35px;margin:15px 0}.article h2{font-size:23px;margin:33px 0 12px;letter-spacing:-.4px}.article h3{font-size:18px}.article p,.article li{line-height:1.85}.article li{margin:9px 0}.article .lede{font-size:19px;color:#425d6d;line-height:1.7}.byline{font-size:12px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:20px;margin-bottom:24px}.crumb{font-size:13px;color:var(--muted);margin-bottom:24px}.crumb a{color:var(--muted)}.aside{position:sticky;top:25px;align-self:start}.aside .panel{padding:23px;margin-bottom:20px}.aside h3{font-size:16px;margin:0 0 12px}.aside a:not(.button){display:block;margin:12px 0;font-size:14px}.aside p{font-size:14px;color:var(--muted)}.callout{background:var(--pale);border-left:3px solid var(--teal);padding:17px 20px;margin:24px 0}.callout p{margin:0}.sources{border-top:1px solid var(--line);margin-top:35px;padding-top:15px;font-size:14px}.sources ul{padding-left:20px;overflow-wrap:anywhere}.table-wrap{overflow:auto}table{border-collapse:collapse;width:100%;font-size:14px}th,td{text-align:right;border-bottom:1px solid var(--line);padding:12px;white-space:nowrap}th:first-child,td:first-child{text-align:left}th{background:#edf4f7}.guide-group{margin-bottom:35px}.guide-group h2{font-size:23px}.error{color:#a12929;font-size:14px}.hidden{display:none!important}.scenario-tag{color:#85600c;background:#fff1c6;border-radius:5px;font-size:12px;padding:5px 10px}.no-margin{margin:0}.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}
.calculator-intro{background:var(--pale);border-left:3px solid var(--teal);border-radius:0 8px 8px 0;padding:17px 22px;margin:0 0 24px}.calculator-intro h2{font-size:17px;line-height:1.4;margin:0 0 8px;letter-spacing:-.2px}.calculator-intro p{font-size:1rem;line-height:1.65;color:#455e6b;margin:0}.calculator-intro p+p{margin-top:8px}.calculator-intro strong{font-weight:700;color:var(--ink)}
@media(min-width:1400px){.wrap{padding-top:43px}.page-intro{margin-bottom:32px}}@media(max-width:980px){.nav{gap:16px}.nav a{font-size:13px}.header-inner{gap:15px}.row-labels,.rating-row{grid-template-columns:minmax(75px,1fr) 78px 122px 25px;gap:7px}.panel-body{padding:20px}.result{padding:24px}.article-layout{gap:25px;grid-template-columns:minmax(0,1fr) 230px}.article{padding:26px}.cards{gap:12px}.card{padding:20px}}
@media(max-width:760px){.header-inner{flex-wrap:wrap;padding:18px 20px;gap:20px}.brand{font-size:17px}.nav{width:100%;justify-content:space-between;gap:10px}.nav .nav-help{padding:0;background:none}.topbar{font-size:11px;padding:6px 10px}.wrap{padding:25px 18px 40px}h1{font-size:29px}.page-intro{display:block}.date-chip{display:inline-block;margin-top:15px}.calc-grid{grid-template-columns:1fr;gap:19px}.panel-head{padding:18px}.panel-body{padding:18px}.panel-head h2{font-size:17px}.rating-row,.row-labels{grid-template-columns:minmax(90px,1fr) 78px 119px 25px;gap:7px}.rating-row input,.rating-row select{font-size:13px;padding:9px 6px}.big-number{font-size:68px}.money{font-size:33px}.trust{gap:15px;flex-wrap:wrap}.cards{grid-template-columns:1fr}.section-title{align-items:start;margin-top:32px}.section-title h2{font-size:23px}.section-title a{white-space:nowrap;font-size:12px}.loan-banner{grid-template-columns:1fr;padding:23px;gap:18px}.loan-banner .button{justify-self:start}.footer-inner{display:block}.footer-links{margin-top:25px}.article-layout{grid-template-columns:1fr}.article{padding:23px 20px}.article h1{font-size:29px}.article .lede{font-size:17px}.aside{position:static}.article-layout .aside{display:grid;grid-template-columns:1fr 1fr;gap:14px}.article-layout .aside .panel{margin:0}.family-fields{gap:14px}.row-labels span:first-child{font-size:11px}}
@media(max-width:390px){.rating-row,.row-labels{grid-template-columns:minmax(65px,1fr) 63px 106px 20px;gap:5px}.nav a{font-size:12px}.article-layout .aside{grid-template-columns:1fr}.panel-body{padding:14px}.wrap{padding-left:12px;padding-right:12px}}@media print{.header,.footer,.topbar,.compare,.cards,.loan-banner,.nav,.remove,.add,.quiet-btn{display:none}.calc-grid{display:block}.result{background:#fff;color:#000;border:1px solid #888;margin-top:20px}.result *{color:#000!important}.wrap{padding:0}.math{display:block}body{background:#fff}}