:root{--primary-color:#3b82f6;--primary-hover:#2563eb;--secondary-color:#64748b;--accent-color:#0ea5e9;--error-color:#ef4444;--success-color:#10b981;--text-color:#1e293b;--text-light:#64748b;--bg-color:#f8fafc;--card-bg:#fff;--border-color:#e2e8f0;--shadow:0 4px 6px -1px rgba(0,0,0,.1),0 2px 4px -1px rgba(0,0,0,.06);--radius:0.5rem;--spacing:1rem;--transition:all 0.3s ease}*{box-sizing:border-box;margin:0;padding:0}body{background-color:var(--bg-color);color:var(--text-color);font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;line-height:1.5}.container{margin:0 auto;max-width:1200px;padding:1rem}a{color:var(--primary-color);text-decoration:none;transition:var(--transition)}a:hover{color:var(--primary-hover)}h1,h2,h3,h4{font-weight:600;line-height:1.2;margin-bottom:1rem}h1{font-size:2rem}h2{font-size:1.5rem}h3{font-size:1.25rem}h4{font-size:1rem}p{margin-bottom:1rem}.bold{font-weight:600}.highlight-blue{color:var(--primary-color)}.highlight-blue,.highlight-green{font-size:1.25rem;font-weight:600}.highlight-green{color:var(--success-color)}.highlight-red{color:var(--error-color);font-size:1rem;font-weight:600}.hidden{display:none!important}header{margin-bottom:2rem;text-align:center}header h1,nav{margin-bottom:1rem}nav{background-color:var(--secondary-color);display:flex;justify-content:center;padding:.5rem}.nav-link,nav{border-radius:var(--radius)}.nav-link{color:#fff;padding:.5rem 1rem}.nav-link:hover{background-color:hsla(0,0%,100%,.1);color:#fff}.intro{font-style:italic;margin:0 auto;max-width:800px}.calculator-grid{display:grid;gap:1rem;grid-auto-flow:row dense;grid-template-columns:1fr;margin-bottom:2rem}@media (min-width:768px){.calculator-grid{grid-template-columns:repeat(2,1fr)}}.card{background-color:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);height:fit-content;overflow:hidden}.card-body{padding:1.5rem}.input-group{margin-bottom:1rem}.input-group label{display:block;font-weight:500;margin-bottom:.25rem}.input-group input,.input-group select{background-color:#fff;border:1px solid var(--border-color);border-radius:var(--radius);padding:.5rem;transition:var(--transition);width:100%}.input-group input:focus,.input-group select:focus{border-color:var(--primary-color);box-shadow:0 0 0 2px rgba(59,130,246,.1);outline:none}.input-group.checkbox{align-items:center;display:flex}.input-group.checkbox input{margin-right:.5rem;width:auto}.input-group.checkbox label{margin-bottom:0}.accordion{border:1px solid var(--border-color);border-radius:var(--radius);margin-bottom:1rem;overflow:hidden}.accordion-header{background-color:#f8f9fa;cursor:pointer;padding:1rem;transition:var(--transition)}.accordion-header:hover{background-color:#f1f3f5}.accordion-header h3{align-items:center;display:flex;justify-content:space-between;margin:0}.accordion-content{border-top:1px solid var(--border-color);padding:1rem}.extra-pay-grid,.recurrent-pay-grid{align-items:end;display:grid;gap:.5rem;grid-template-columns:1fr 2fr 1fr;margin-bottom:1rem}.escrow-grid{align-items:end;display:grid;gap:1rem;grid-template-columns:1fr 1fr}.btn{background-color:var(--primary-color);border:none;border-radius:var(--radius);color:#fff;cursor:pointer;font-weight:500;padding:.5rem 1rem;transition:var(--transition)}.withmargin{margin:2em 0}.btn:hover{background-color:var(--primary-hover)}.btn-outline{background-color:transparent;border:1px solid var(--primary-color);color:var(--primary-color)}.btn-outline:hover{background-color:var(--primary-color);color:#fff}.btn-sm{font-size:.875rem;padding:.25rem .5rem}.btn-danger{background-color:var(--error-color)}.btn-danger:hover{background-color:#dc2626}.insights-table{border-collapse:collapse;width:100%}.insights-table td{border-bottom:1px solid var(--border-color);padding:.75rem .5rem}.insights-table tr:last-child td{border-bottom:none}.escrow-breakdown{border-collapse:collapse;font-size:.875rem;margin-left:1rem;width:100%}.escrow-breakdown td{border-bottom:none;padding:.25rem 0}.payments-table{border-collapse:collapse;font-size:.875rem;width:100%}.payments-table th{background-color:#f8f9fa;padding:.75rem .5rem;text-align:left}.payments-table td,.payments-table th{border-bottom:1px solid var(--border-color)}.payments-table td{padding:.5rem}.payments-table tr:hover{background-color:#f1f3f5}.table-container{margin-bottom:1rem;max-height:400px;overflow-y:auto}.table-controls{display:flex;gap:.5rem;margin-bottom:1rem}.subtext{color:var(--text-light);font-size:.75rem;margin-top:.25rem}.subtitle{color:var(--text-light)}.investment-rate,.mixed-strategy-note,.subtitle{font-size:.875rem;margin-bottom:1rem}.mixed-strategy-note{background-color:#f8f9fa;border-radius:var(--radius);padding:.75rem}.chart-section{background-color:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:2rem;padding:1.5rem}.chart-section h3{margin-bottom:1.5rem}.payments-section{background-color:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:2rem;padding:1.5rem}.payments-section h3{margin-bottom:1rem}.modal{align-items:center;background-color:rgba(0,0,0,.5);display:none;height:100%;justify-content:center;left:0;position:fixed;top:0;width:100%;z-index:1000}.modal-content{background-color:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);display:flex;flex-direction:column;max-height:90vh;max-width:600px;overflow:hidden;width:90%}.modal-header{align-items:center;border-bottom:1px solid var(--border-color);display:flex;justify-content:space-between;padding:1rem 1.5rem}.modal-body{flex:1;overflow-y:auto;padding:1.5rem}.modal-footer{border-top:1px solid var(--border-color);display:flex;justify-content:flex-end;padding:1rem 1.5rem}.close{color:var(--text-light);cursor:pointer;font-size:1.5rem;transition:var(--transition)}.close:hover{color:var(--error-color)}.no-data{color:var(--text-light);padding:2rem 0;text-align:center}.faq-section{background-color:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:2rem;padding:1.5rem}.faq-section h2{margin-bottom:1.5rem}.faq-section h3{margin-bottom:.5rem;margin-top:1.5rem}.back-to-top{margin-bottom:1.5rem;text-align:center}footer{color:var(--text-light);font-size:.875rem;padding:1rem 0;text-align:center}