@font-face{font-family:DM Sans;src:url(/loan-calculator/fonts/dm-sans-latin.woff2)format("woff2");font-weight:400 700;font-style:normal;font-display:swap}@font-face{font-family:Bricolage Grotesque;src:url(/loan-calculator/fonts/bricolage-grotesque-latin.woff2)format("woff2");font-weight:200 800;font-style:normal;font-display:swap}[hidden]{display:none!important}:root{--color-page:#fff;--color-surface:#f1f5f3;--color-surface-alt:#fff;--color-primary:#0e1a17;--color-primary-strong:#24332f;--color-on-primary:#c8f53b;--color-primary-text:#0a6f66;--color-primary-line:#0e8f83;--color-primary-soft:#e6f9b0;--color-bubble-1:#c8f53b;--color-bubble-2:#0e8f83;--color-badge:#c8f53b;--color-on-badge:#0e1a17;--color-success-soft:#c8f53b;--color-ink:#0e1a17;--color-ink-muted:#4d5e59;--color-border:#d6e0dc;--color-success:#15803d;--color-warning:#b45309;--color-danger:#b91c1c;--color-danger-soft:#fef2f2;--color-overlay:#0f172a73;--color-thumb-bg:#fff;--font-display:"Bricolage Grotesque", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--font-body:"DM Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;--fs-xs:11px;--fs-sm:11.5px;--fs-ui:12px;--fs-body:13px;--fs-lead:14px;--fs-input:12px;--fs-btn:13px;--fs-h3:14px;--fs-h2:16px;--fs-h1:22px;--ctl-h:28px;--btn-h:32px;--mini:26px;--fw-ui:500;--side-w:300px;--top-pad:6px;--space-1:4px;--space-2:8px;--space-3:12px;--space-4:16px;--space-5:24px;--space-6:32px;--space-7:48px;--radius-sm:8px;--radius-md:14px;--radius-lg:24px;--radius-pill:999px;--shadow-sm:0 1px 2px #0f172a0f,0 1px 3px #0f172a14;--shadow-md:0 14px 30px #0e1a171a;--color-pop:#c8f53b;--color-pop-tile:#d7f3ee;--color-hot:#ff6b35;--glow:0 0 0 3px #c8f53b,0 0 34px #c8f53bbf;--color-answer-ink:#0e1a17;--color-answer-muted:#33443f;--color-answer-chip:#fff;--color-chart-int:#c8f53b;--color-chart-int-line:#0e1a17;--color-chart-grid:#e3eae7}@media (prefers-color-scheme:dark){:root:not([data-theme=light]){--color-page:#0b1311;--color-surface:#15211e;--color-surface-alt:#0f1a17;--color-primary:#c8f53b;--color-primary-strong:#d8fa6e;--color-on-primary:#0e1a17;--color-primary-text:#5fe0d2;--color-primary-line:#3fd3c3;--color-primary-soft:#22361c;--color-bubble-1:#c8f53b;--color-bubble-2:#3fd3c3;--color-badge:#c8f53b;--color-on-badge:#0e1a17;--color-success-soft:#2a3a0e;--color-ink:#ecf6f1;--color-ink-muted:#9bb0a9;--color-border:#26372f;--color-success:#4ade80;--color-warning:#fbbf24;--color-danger:#f87171;--color-danger-soft:#2a1414;--color-overlay:#0009;--color-thumb-bg:#0b1311;--shadow-md:0 14px 30px #0006;--color-pop:#c8f53b;--color-pop-tile:#14a394;--color-hot:#ff8a5c;--glow:0 0 0 3px #c8f53b,0 0 36px #c8f53b73;--color-answer-ink:#ecf6f1;--color-answer-muted:#c9d8b0;--color-answer-chip:#15211e;--color-chart-int:#8db82a;--color-chart-int-line:#c8f53b;--color-chart-grid:#22322d;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}}:root[data-theme=dark]{--color-page:#0b1311;--color-surface:#15211e;--color-surface-alt:#0f1a17;--color-primary:#c8f53b;--color-primary-strong:#d8fa6e;--color-on-primary:#0e1a17;--color-primary-text:#5fe0d2;--color-primary-line:#3fd3c3;--color-primary-soft:#22361c;--color-bubble-1:#c8f53b;--color-bubble-2:#3fd3c3;--color-badge:#c8f53b;--color-on-badge:#0e1a17;--color-success-soft:#2a3a0e;--color-ink:#ecf6f1;--color-ink-muted:#9bb0a9;--color-border:#26372f;--color-success:#4ade80;--color-warning:#fbbf24;--color-danger:#f87171;--color-danger-soft:#2a1414;--color-overlay:#0009;--color-thumb-bg:#0b1311;--shadow-md:0 14px 30px #0006;--color-pop:#c8f53b;--color-pop-tile:#14a394;--color-hot:#ff8a5c;--glow:0 0 0 3px #c8f53b,0 0 36px #c8f53b73;--color-answer-ink:#ecf6f1;--color-answer-muted:#c9d8b0;--color-answer-chip:#15211e;--color-chart-int:#8db82a;--color-chart-int-line:#c8f53b;--color-chart-grid:#22322d;--lightningcss-light: ;--lightningcss-dark:initial;color-scheme:dark}@media (max-width:1023px){:root{--fs-ui:14px;--fs-body:14px;--fs-lead:15px;--fs-btn:15px;--fs-sm:12px;--fs-h3:15px;--fs-h2:17px;--fs-h1:22px;--btn-h:44px;--ctl-h:36px}}@media (any-pointer:coarse),(max-width:599px){:root{--ctl-h:44px;--mini:44px;--fs-input:16px;--btn-h:48px}}*{box-sizing:border-box}body{background:var(--color-page);color:var(--color-ink);font-family:var(--font-body);font-size:var(--fs-body);padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px));margin:0;padding-block:0 64px;line-height:1.5}h1,h2,h3{font-family:var(--font-display);text-wrap:balance;color:var(--color-ink);margin:0}button,input,select{font:inherit;color:inherit}:focus-visible{outline:3px solid var(--color-primary-line);outline-offset:2px;border-radius:6px}.wrap{max-width:1760px;margin-inline:auto}@media (min-width:1024px){body{padding-left:max(32px,env(safe-area-inset-left,0px));padding-right:max(32px,env(safe-area-inset-right,0px))}}.readable{max-width:70ch}.muted{color:var(--color-ink-muted)}header.site{justify-content:space-between;align-items:center;gap:var(--space-3);height:56px;display:flex}.logo{color:var(--color-ink);font-family:var(--font-display);letter-spacing:-.01em;align-items:center;gap:10px;min-height:44px;font-size:1.25rem;font-weight:800;text-decoration:none;display:flex}.logo svg{flex:none;width:28px;height:28px}.hdr-actions{gap:var(--space-2);align-items:center;display:flex}.icon-btn{min-width:var(--ctl-h);height:var(--ctl-h);font-size:var(--fs-ui);font-weight:var(--fw-ui);border-radius:var(--radius-pill);border:1px solid var(--color-border);background:var(--color-surface);cursor:pointer;justify-content:center;align-items:center;gap:6px;padding:0 14px;display:inline-flex}.icon-btn:hover{border-color:var(--color-primary-line)}.hero{padding-block:var(--space-4) var(--space-4);gap:var(--space-2);display:grid}.hero h1{font-size:var(--fs-h1);font-weight:800;line-height:1.2}.hero p{font-size:var(--fs-lead);color:var(--color-ink-muted);max-width:62ch;margin:0}.tool{background:var(--color-surface);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);padding:var(--space-5)}@media (max-width:599px){.tool{padding:var(--space-4);border-radius:20px}}.hint{font-size:var(--fs-sm);color:var(--color-ink-muted);margin:0}@media (max-width:599px){.drag-text{display:none}}.btn{min-height:var(--btn-h);border-radius:var(--radius-pill);cursor:pointer;font-weight:600;font-size:var(--fs-btn);border:2px solid #0000;justify-content:center;align-items:center;gap:8px;padding:0 22px;line-height:1.2;text-decoration:none;display:inline-flex}.btn-ghost{color:var(--color-primary-text);font-size:var(--fs-ui);min-height:var(--ctl-h);text-underline-offset:3px;background:0 0;padding:0 10px;font-weight:600;text-decoration:underline}.badge{border-radius:var(--radius-pill);background:var(--color-badge);color:var(--color-on-badge);font-weight:700;font-size:var(--fs-sm);align-items:center;padding:4px 12px;display:inline-flex}.menu-wrap{display:inline-flex;position:relative}.menu{z-index:60;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);min-width:200px;max-width:calc(100vw - 16px);box-shadow:var(--shadow-md);padding:6px;display:grid;position:fixed;top:0;left:0}.menu button{all:unset;box-sizing:border-box;cursor:pointer;border-radius:var(--radius-sm);font-size:var(--fs-ui);min-height:36px;color:var(--color-ink);align-items:center;gap:10px;padding:9px 12px;display:flex}.menu button:hover,.menu button:focus-visible{background:var(--color-primary-soft)}.menu [aria-current=page]{font-weight:700}.menu hr{border:0;border-top:1px solid var(--color-border);margin:4px 0}.chip-btn{min-height:var(--ctl-h);font-size:var(--fs-ui);font-weight:var(--fw-ui);border-radius:var(--radius-pill);border:1px solid var(--color-border);background:var(--color-surface);cursor:pointer;justify-content:center;align-items:center;gap:6px;padding:0 12px;display:inline-flex}.chip-btn:hover{border-color:var(--color-primary-line)}.chip-btn:disabled{opacity:.45;cursor:not-allowed}.fade{animation:.15s ease-out fade}@keyframes fade{0%{opacity:0}to{opacity:1}}.mini{width:var(--mini);height:var(--mini);cursor:pointer;color:var(--color-ink-muted);background:0 0;border:0;border-radius:50%;flex:none;place-items:center;padding:0;display:inline-grid}.mini:hover{background:var(--color-primary-soft);color:var(--color-primary-text)}.mini svg{width:18px;height:18px}section.below{gap:var(--space-6);padding-block:var(--space-7) var(--space-5);max-width:1100px;display:grid}.below h2{font-size:var(--fs-h2);margin-bottom:var(--space-3);font-weight:800}.steps{gap:var(--space-4);grid-template-columns:repeat(3,minmax(0,1fr));margin:0;padding:0;list-style:none;display:grid}@media (max-width:767px){.steps{grid-template-columns:minmax(0,1fr)}}.steps li{padding:var(--space-4);background:var(--color-surface);border-radius:var(--radius-md);align-content:start;gap:6px;display:grid}.steps .n{width:28px;height:28px;font-size:var(--fs-ui);background:var(--color-badge);color:var(--color-on-badge);font-weight:800;font-family:var(--font-display);border-radius:50%;place-items:center;display:grid}.faq details{background:var(--color-surface);border-radius:var(--radius-md);padding:0 var(--space-4);margin-bottom:var(--space-2)}.faq summary{cursor:pointer;align-items:center;min-height:44px;font-weight:700;display:flex}.faq p{margin:0 0 var(--space-4);color:var(--color-ink-muted);max-width:65ch}.related{gap:var(--space-3);flex-wrap:wrap;display:flex}.related a{padding:var(--space-4);background:var(--color-surface);border-radius:var(--radius-md);min-width:min(240px,100%);color:var(--color-ink);gap:2px;text-decoration:none;transition:transform .15s,box-shadow .18s;display:grid}.related a b{font-family:var(--font-display);font-weight:800}.related a:hover{box-shadow:var(--glow);transform:translateY(-3px)}footer{border-top:1px solid var(--color-border);padding-block:var(--space-5);gap:var(--space-3);font-size:var(--fs-sm);color:var(--color-ink-muted);flex-wrap:wrap;justify-content:space-between;display:flex}.pop{z-index:40;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);width:min(320px,100vw - 32px);box-shadow:var(--shadow-md);padding:var(--space-4);position:absolute;top:calc(100% + 6px);right:0}.pop h3{font-size:var(--fs-h3);margin-bottom:var(--space-2)}.pop dl{font-size:var(--fs-sm);grid-template-columns:auto 1fr;gap:6px 12px;margin:0;display:grid}.pop dt kbd{font-family:var(--font-body);border:1px solid var(--color-border);background:var(--color-surface-alt);white-space:nowrap;border-radius:6px;padding:1px 6px;font-weight:700}.pop dd{color:var(--color-ink-muted);margin:0}.toast{left:50%;bottom:calc(32px + env(safe-area-inset-bottom,0px));z-index:90;background:var(--color-ink);color:var(--color-page);border-radius:var(--radius-pill);text-align:center;max-width:calc(100vw - 32px);padding:12px 18px;font-weight:600;position:fixed;transform:translate(-50%)}.sr{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.btn{transition:transform .12s,box-shadow .18s,background .15s}.btn:active:not(:disabled){transform:scale(.96)}@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}a{color:var(--color-primary-text)}footer a{color:inherit}.logo img{flex:none;width:28px;height:28px}.menu a{all:unset;box-sizing:border-box;cursor:pointer;border-radius:var(--radius-sm);font-size:var(--fs-ui);min-height:36px;color:var(--color-ink);align-items:center;gap:10px;padding:9px 12px;display:flex}.menu a:hover,.menu a:focus-visible{background:var(--color-primary-soft)}.menu .grp{font-size:var(--fs-xs);color:var(--color-ink-muted);padding:8px 12px 2px;font-weight:700}.toast{align-items:center;gap:12px;display:flex}.toast button{all:unset;cursor:pointer;text-underline-offset:3px;border-radius:6px;padding:2px 4px;font-weight:800;text-decoration:underline}.toast button:focus-visible{outline:3px solid var(--color-pop)}.fsrc{font-size:var(--fs-sm);margin:var(--space-3) 0 0}.lc{grid-template-columns:var(--side-w) minmax(0,1fr);column-gap:var(--space-5);align-items:start;display:grid}@media (max-width:1023px){.lc{row-gap:var(--space-4);grid-template-columns:minmax(0,1fr)}}.main{gap:var(--space-4);min-width:0;display:grid}.col{background:var(--color-surface-alt);border-radius:var(--radius-md);padding:var(--space-4);gap:var(--space-3);overscroll-behavior:contain;max-height:calc(100vh - 24px);display:grid;position:sticky;top:12px;overflow:auto}.fa,.fb{gap:var(--space-3);min-width:0;display:grid}@media (max-width:1023px){.lc{gap:var(--space-4);flex-direction:column;display:flex}.col,.main{display:contents}.fa,.fb{background:var(--color-surface-alt);border-radius:var(--radius-md);padding:var(--space-4)}.fa{order:1}.res{order:2}.disclaimer{margin-top:calc(-1 * var(--space-3));order:3}.fb{order:4}.charts{order:5}.tabs{order:6}.panel{order:7}.fb>.disc:first-child{border-top:0;padding-top:0}}@media (min-width:800px) and (max-width:1023px){.fields{grid-template-columns:1fr 1fr}}.fields{gap:var(--space-3);display:grid}.lbl{font-size:var(--fs-ui);margin-bottom:4px;font-weight:700;display:block}.field{min-height:calc(var(--ctl-h) + 8px);border:2px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface-alt);align-items:center;gap:6px;padding:0 10px;display:flex}.field:hover{border-color:var(--color-primary-line)}.field:focus-within{border-color:var(--color-primary-line);box-shadow:0 0 0 3px var(--color-primary-soft)}.field.bad{border-color:var(--color-danger)}.field input{width:100%;min-width:0;font-family:var(--font-display);font-variant-numeric:tabular-nums;color:var(--color-ink);background:0 0;border:0;outline:0;padding:6px 0;font-size:16px;font-weight:700}.field input::placeholder{color:var(--color-ink-muted);opacity:.7;font-weight:600}.field .unit{color:var(--color-ink-muted);font-size:var(--fs-ui);white-space:nowrap;font-weight:600}.words{font-size:var(--fs-sm);color:var(--color-ink-muted);min-height:1.2em;margin:3px 0 0}.err{font-size:var(--fs-sm);color:var(--color-danger);margin:3px 0 0;font-weight:600}.row2{gap:var(--space-2);grid-template-columns:1fr 1fr;display:grid}.sel{min-height:calc(var(--ctl-h) + 8px);border:2px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface-alt);font-size:var(--fs-ui);font-weight:var(--fw-ui);cursor:pointer;width:100%;padding:0 8px}.sel:focus{border-color:var(--color-primary-line);box-shadow:0 0 0 3px var(--color-primary-soft);outline:none}input[type=date].sel{font-family:var(--font-body)}.linkbtn{all:unset;cursor:pointer;color:var(--color-primary-text);text-underline-offset:3px;font-size:var(--fs-sm);border-radius:4px;justify-self:start;text-decoration:underline}.linkbtn:focus-visible{outline:3px solid var(--color-primary-line)}.choice{border:0;grid-template-columns:repeat(4,minmax(0,1fr));gap:4px;min-width:0;margin:0;padding:0;display:grid}@media (max-width:379px){.choice{grid-template-columns:1fr 1fr}}.choice legend{font-size:var(--fs-ui);margin-bottom:4px;padding:0;font-weight:700}.choice label{display:block;position:relative}.choice input{opacity:0;cursor:pointer;margin:0;position:absolute;inset:0}.choice span{border:1px solid var(--color-border);border-radius:var(--radius-sm);min-height:40px;font-family:var(--font-display);letter-spacing:-.01em;cursor:pointer;background:var(--color-surface-alt);text-align:center;justify-content:center;align-items:center;padding:2px 1px;font-size:12px;font-weight:800;line-height:1.1;display:flex}@media (any-pointer:coarse){.choice span{min-height:44px}}.choice input:checked+span{background:var(--color-primary-soft);border:2px solid var(--color-primary-line);color:var(--color-primary-text)}.choice input:focus-visible+span{outline:3px solid var(--color-primary-line);outline-offset:2px}.seg{border:1px solid var(--color-border);background:var(--color-surface-alt);border-radius:16px;flex-wrap:wrap;gap:2px;max-width:100%;padding:2px;display:inline-flex}.seg button{all:unset;box-sizing:border-box;cursor:pointer;min-height:calc(var(--ctl-h) - 4px);border-radius:var(--radius-pill);font-size:var(--fs-ui);font-weight:var(--fw-ui);text-align:center;place-items:center;padding:0 12px;display:inline-grid}.seg button[aria-pressed=true]{background:var(--color-primary-soft);color:var(--color-primary-text);box-shadow:inset 0 0 0 1px var(--color-primary-line);font-weight:700}.seg button:focus-visible{outline:3px solid var(--color-primary-line);outline-offset:1px}.disc{border-top:1px solid var(--color-border);padding-top:var(--space-2)}.disc>button{all:unset;box-sizing:border-box;cursor:pointer;width:100%;min-height:36px;font-weight:700;font-size:var(--fs-ui);border-radius:6px;align-items:center;gap:8px;display:flex}.disc>button:focus-visible{outline:3px solid var(--color-primary-line)}.disc .chev{width:12px;transition:transform .15s;display:inline-block}.disc>button[aria-expanded=true] .chev{transform:rotate(90deg)}.chips{flex-wrap:wrap;gap:4px;margin:2px 0 0 20px;display:flex}.chip{border-radius:var(--radius-pill);background:var(--color-primary-soft);min-height:22px;color:var(--color-primary-text);font-size:var(--fs-xs);align-items:center;padding:0 8px;font-weight:700;display:inline-flex}.chip.neutral{background:var(--color-surface);color:var(--color-ink-muted);box-shadow:inset 0 0 0 1px var(--color-border)}.disc .body{gap:var(--space-3);margin-top:var(--space-3);display:grid}.opt{gap:6px;display:grid}.tog{font-size:var(--fs-ui);cursor:pointer;align-items:center;gap:8px;min-height:32px;font-weight:600;display:flex}.tog input{width:18px;height:18px;accent-color:var(--color-primary-line);margin:0}.tog[aria-disabled=true]{opacity:.55;cursor:not-allowed}.help{font-size:var(--fs-sm);color:var(--color-ink-muted);margin:0}.helperres{font-weight:700;font-size:var(--fs-ui);flex-wrap:wrap;align-items:center;gap:8px;display:flex}.privacy{font-size:var(--fs-sm);color:var(--color-ink-muted);border-top:1px solid var(--color-border);padding-top:var(--space-3);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px;margin:0;display:flex}.btn-sec{border-color:var(--color-primary-line);color:var(--color-primary-text);min-height:var(--ctl-h);font-size:var(--fs-ui);background:0 0;padding:0 14px}.btn[aria-disabled=true]{opacity:.4;cursor:not-allowed}.res{gap:var(--space-3);padding:var(--space-5);border-radius:var(--radius-lg);background:var(--color-success-soft);color:var(--color-answer-ink);min-width:0;display:grid;position:relative;overflow:hidden}@media 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