:root{--deep-teal: #0D4D4D;--bright-cyan: #00D9D9;--mint-green: #3DFFD9;--dark-green: #0A3333;--white: #FFFFFF;--light-gray: #F7FAFA;--dark-charcoal: #1A1A1A;--success-green: #00FF94;--warning-orange: #FF6B35;--gold: #FFD700}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;line-height:1.6;color:var(--dark-charcoal);overflow-x:hidden}.mortgage-calculator{min-height:100vh}.header{position:fixed;top:0;left:0;right:0;background:var(--white);z-index:1000;transition:box-shadow .3s ease}.header.scrolled{box-shadow:0 2px 20px #0000001a}.header-content{max-width:1400px;margin:0 auto;padding:1rem 2rem;display:flex;justify-content:space-between;align-items:center}.logo{font-size:1.5rem;font-weight:700;color:var(--deep-teal);text-decoration:none;display:flex;align-items:center;gap:.5rem}nav{display:flex;gap:2rem;align-items:center}nav 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ease}.btn-primary:hover{background:var(--mint-green);transform:translateY(-2px)}.modal-overlay{position:fixed;top:0;left:0;right:0;bottom:0;background:#000000b3;display:flex;justify-content:center;align-items:center;z-index:10000;padding:2rem}.modal-box{background:var(--white);border-radius:20px;padding:3rem;max-width:600px;width:100%;max-height:90vh;overflow-y:auto;position:relative}.modal-box-wide{max-width:800px}.modal-close{position:absolute;top:1.5rem;right:1.5rem;background:none;border:none;font-size:2rem;cursor:pointer;color:#6b7280}.modal-close:hover{color:var(--dark-charcoal)}.modal-columns{display:grid;grid-template-columns:1fr 1fr;gap:2rem;margin:2rem 0}.modal-column h4{margin-bottom:1rem;color:var(--dark-green)}.modal-column ul{list-style:none;padding:0}.modal-column li{padding:.5rem 0;border-bottom:1px solid #E5E7EB}.savings-calc .savings-result{font-size:1.5rem;font-weight:800;color:var(--dark-green);text-align:center;padding:1rem;background:#f9fafb;border-radius:10px;margin:1rem 0}.rate-estimates,.credit-impact,.loan-quiz{padding:1rem 0}.rate-item,.impact-item,.quiz-item{padding:1rem;margin-bottom:.75rem;background:#f9fafb;border-radius:10px;font-size:1.05rem}.impact-highlight{padding:1.5rem;background:linear-gradient(135deg,#fff7ed,#fed7aa);border-radius:10px;font-size:1.2rem;font-weight:800;color:var(--dark-green);text-align:center;margin-top:1.5rem}.terms-table{width:100%;border-collapse:collapse;margin:2rem 0}.terms-table th,.terms-table td{padding:1rem;text-align:left;border-bottom:2px solid #E5E7EB}.terms-table th{background:#f9fafb;font-weight:800;color:var(--dark-green)}.programs-list{list-style:none;padding-left:1rem}.programs-list li{padding:.5rem 0}.first-time-info{margin-top:1rem;padding:1.5rem;background:#f0f9ff;border-radius:10px}@media (max-width: 1024px){.calc-main-title{font-size:2.5rem}.calc-subtitle{font-size:1.15rem}.form-row,.metrics-grid-4,.modal-columns,.gauge-checks{grid-template-columns:1fr}}@media (max-width: 768px){.calculator-section-multi{padding:3rem 1.5rem}.calc-main-title{font-size:2rem}.calc-subtitle{font-size:1.05rem}.calc-form{padding:2rem 1.5rem}.result-amount{font-size:3rem}.metrics-grid-4{grid-template-columns:repeat(2,1fr)}.radio-group-horizontal,.button-group-inline{flex-direction:column}.calc-features,.form-trust-signals{flex-direction:column;gap:1rem}}@media (max-width: 480px){.calc-main-title{font-size:1.75rem}.result-amount{font-size:2.5rem}.metrics-grid-4{grid-template-columns:1fr}.modal-box{padding:2rem 1.5rem}}.phase3-launcher{margin:4rem 0;padding:3rem;background:linear-gradient(135deg,#f9fafb,#e5e7eb);border-radius:24px}.phase3-title{font-size:2.5rem;font-weight:900;color:var(--dark-green);margin-bottom:.5rem;text-align:center}.phase3-subtitle{font-size:1.2rem;color:#6b7280;text-align:center;margin-bottom:3rem}.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:2rem;margin-bottom:2rem}.feature-card{background:var(--white);border:3px solid #E5E7EB;border-radius:16px;padding:2.5rem;cursor:pointer;transition:all .3s ease;text-align:center;position:relative}.feature-card:hover:not(.coming-soon){border-color:var(--bright-cyan);transform:translateY(-8px);box-shadow:0 15px 40px #00d9d94d}.feature-card.coming-soon{opacity:.6;cursor:not-allowed}.feature-icon{font-size:4rem;margin-bottom:1.5rem}.feature-card h4{font-size:1.5rem;font-weight:800;color:var(--dark-green);margin-bottom:1rem}.feature-card p{font-size:1.05rem;color:#6b7280;margin-bottom:1.5rem}.feature-badge{display:inline-block;padding:.5rem 1rem;background:linear-gradient(135deg,var(--bright-cyan),var(--mint-green));color:var(--white);border-radius:20px;font-size:.9rem;font-weight:700}.feature-card.coming-soon .feature-badge{background:#9ca3af}.phase3-cta{text-align:center;padding:2rem;background:var(--white);border-radius:12px;margin-top:2rem}.cta-text{font-size:1.1rem;color:#374151}.btn-back-to-features{padding:1rem 2rem;background:#f3f4f6;border:2px solid #E5E7EB;border-radius:12px;font-size:1.1rem;font-weight:700;color:var(--dark-charcoal);cursor:pointer;margin-bottom:2rem;transition:all .3s ease}.btn-back-to-features:hover{background:var(--white);border-color:var(--bright-cyan)}.scenario-comparison-container{background:var(--white);border-radius:20px;padding:3rem;margin:2rem 0}.scenario-header{text-align:center;margin-bottom:3rem}.scenario-header h3{font-size:2rem;font-weight:900;color:var(--dark-green);margin-bottom:.5rem}.scenario-subtitle{font-size:1.1rem;color:#6b7280}.scenario-tabs{display:flex;gap:1rem;margin-bottom:2rem;overflow-x:auto;padding-bottom:1rem}.scenario-tab{padding:1rem 2rem;background:#f9fafb;border:2px solid #E5E7EB;border-radius:12px;cursor:pointer;display:flex;align-items:center;gap:1rem;transition:all .3s ease;white-space:nowrap}.scenario-tab.current{background:linear-gradient(135deg,#e0f2f1,#f0f9ff);border-color:var(--bright-cyan)}.scenario-tab.add-tab{border-style:dashed;color:var(--bright-cyan);font-weight:700}.scenario-tab:hover{border-color:var(--bright-cyan)}.tab-label{font-weight:700;color:var(--dark-charcoal)}.tab-remove{background:#ff6b6b;color:var(--white);border:none;border-radius:50%;width:24px;height:24px;cursor:pointer;font-size:.9rem}.scenario-modal-overlay{position:fixed;top:0;left:0;right:0;bottom:0;background:#000000b3;display:flex;align-items:center;justify-content:center;z-index:1000}.scenario-modal{background:var(--white);border-radius:20px;padding:3rem;max-width:600px;width:90%;max-height:80vh;overflow-y:auto}.modal-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:2rem}.modal-close{background:none;border:none;font-size:2rem;cursor:pointer;color:#6b7280}.scenario-templates{display:flex;flex-direction:column;gap:1rem}.template-option{padding:1.5rem;background:#f9fafb;border:2px solid #E5E7EB;border-radius:12px;text-align:left;cursor:pointer;transition:all .3s ease;font-size:1.1rem;font-weight:600}.template-option:hover,.template-option.selected{background:linear-gradient(135deg,#e0f2f1,#f0f9ff);border-color:var(--bright-cyan)}.comparison-table-wrapper{overflow-x:auto;margin:2rem 0}.scenario-table{width:100%;border-collapse:collapse;background:var(--white);border-radius:12px;overflow:hidden}.scenario-table th,.scenario-table td{padding:1.5rem;text-align:left;border-bottom:2px solid #E5E7EB}.scenario-table th{background:#f9fafb;font-weight:800;color:var(--dark-green)}.scenario-table th.base-col{background:linear-gradient(135deg,#e0f2f1,#f0f9ff)}.metric-col{font-weight:700;color:var(--dark-charcoal);min-width:150px}.metric-label{font-weight:600;color:#374151}.diff-badge{display:inline-block;margin-left:.5rem;padding:.25rem .75rem;background:#f3f4f6;border-radius:12px;font-size:.85rem;font-weight:700;color:#6b7280}.diff-badge.positive{background:#dcfce7;color:#16a34a}.diff-badge.negative{background:#fee2e2;color:#dc2626}.result-row{background:#f9fafb;font-size:1.1rem}.budget-cell,.monthly-cell{font-size:1.2rem}.scenario-actions{display:flex;gap:1rem;justify-content:center;margin:2rem 0;flex-wrap:wrap}.btn-scenario-export,.btn-scenario-save,.btn-scenario-share{padding:1rem 2rem;background:var(--bright-cyan);color:var(--white);border:none;border-radius:12px;font-size:1.1rem;font-weight:700;cursor:pointer;transition:all .3s ease}.btn-scenario-save{background:var(--dark-green)}.btn-scenario-share{background:#6366f1}.btn-scenario-export:hover,.btn-scenario-save:hover,.btn-scenario-share:hover{transform:translateY(-2px);box-shadow:0 8px 20px #0003}.scenario-insights{margin-top:3rem;padding:2.5rem;background:linear-gradient(135deg,#fff7ed,#fed7aa);border-radius:16px}.scenario-insights h4{font-size:1.5rem;font-weight:900;color:var(--dark-green);margin-bottom:2rem}.insights-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:2rem}.insight-card{background:var(--white);padding:2rem;border-radius:12px;border-left:4px solid var(--bright-cyan)}.insight-card h5{font-size:1.2rem;font-weight:800;color:var(--dark-green);margin-bottom:1rem}.insight-positive{color:#16a34a;font-weight:600}.insight-negative{color:#dc2626;font-weight:600}.credit-simulator-container{background:var(--white);border-radius:20px;padding:3rem;margin:2rem 0}.credit-header{text-align:center;margin-bottom:3rem}.credit-header h3{font-size:2rem;font-weight:900;color:var(--dark-green);margin-bottom:.5rem}.credit-subtitle{font-size:1.1rem;color:#6b7280}.credit-current-state{margin-bottom:3rem}.current-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}.metric-box{background:#f9fafb;padding:2rem;border-radius:12px;text-align:center}.metric-box .metric-label{display:block;font-size:.95rem;color:#6b7280;margin-bottom:.75rem;font-weight:600}.metric-box .metric-value{display:block;font-size:2rem;font-weight:900}.credit-slider-section{margin:3rem 0;padding:2.5rem;background:linear-gradient(135deg,#f0f9ff,#e0f2f1);border-radius:16px}.slider-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:2rem}.slider-header h4{font-size:1.5rem;font-weight:800;color:var(--dark-green)}.target-score-display{font-size:3rem;font-weight:900}.credit-slider{width:100%;height:12px;border-radius:6px;outline:none;-webkit-appearance:none;margin-bottom:1rem}.credit-slider::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:32px;height:32px;border-radius:50%;background:var(--white);border:4px solid var(--bright-cyan);cursor:pointer;box-shadow:0 4px 12px #0003}.slider-labels{display:flex;justify-content:space-between;font-size:.9rem;color:#6b7280;font-weight:600}.timeline-selector{margin:2rem 0;display:flex;align-items:center;gap:1rem}.timeline-selector label{font-size:1.1rem;font-weight:700;color:var(--dark-charcoal)}.timeline-select{padding:.75rem 1.5rem;font-size:1.1rem;border:2px solid #E5E7EB;border-radius:10px;background:var(--white);cursor:pointer}.action-plan{margin:3rem 0}.action-plan h4{font-size:1.5rem;font-weight:900;color:var(--dark-green);margin-bottom:2rem}.actions-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem}.action-card{display:flex;gap:1.5rem;padding:2rem;background:#f9fafb;border:3px solid #E5E7EB;border-radius:16px;cursor:pointer;transition:all .3s ease}.action-card:hover{border-color:var(--bright-cyan);transform:translateY(-3px);box-shadow:0 8px 20px #00d9d933}.action-card.selected{background:linear-gradient(135deg,#e0f2f1,#f0f9ff);border-color:var(--bright-cyan);border-width:3px}.action-checkbox{font-size:2rem;flex-shrink:0}.action-content h5{font-size:1.2rem;font-weight:800;color:var(--dark-green);margin-bottom:.75rem}.action-content p{font-size:.95rem;color:#6b7280;margin-bottom:.5rem}.action-impact{color:var(--bright-cyan);font-weight:700}.projection-results{margin:3rem 0;padding:2.5rem;background:linear-gradient(135deg,#fff7ed,#fed7aa);border-radius:16px}.projection-results h4{font-size:1.5rem;font-weight:900;color:var(--dark-green);margin-bottom:2rem}.results-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}.result-card{background:var(--white);padding:2rem;border-radius:12px;text-align:center}.result-card.highlight{background:linear-gradient(135deg,#e0f2f1,#f0f9ff);border:3px solid var(--bright-cyan)}.result-label{display:block;font-size:.95rem;color:#6b7280;margin-bottom:.75rem;font-weight:600}.result-value{display:block;font-size:2rem;font-weight:900;color:var(--dark-green);margin-bottom:.5rem}.result-change{display:block;font-size:.95rem;font-weight:700;color:#6b7280}.result-change.positive{color:#16a34a}.credit-recommendations{margin:3rem 0;padding:2.5rem;background:var(--white);border:3px solid var(--bright-cyan);border-radius:16px}.credit-recommendations h4{font-size:1.5rem;font-weight:900;color:var(--dark-green);margin-bottom:2rem}.recommendation-timeline{display:flex;flex-direction:column;gap:2rem}.timeline-step{padding:2rem;background:#f9fafb;border-radius:12px;border-left:4px solid var(--bright-cyan)}.timeline-step strong{display:block;font-size:1.2rem;color:var(--dark-green);margin-bottom:1rem}.timeline-step ul{list-style:none;padding:0}.timeline-step li{padding:.5rem 0 .5rem 1.5rem;position:relative}.timeline-step li:before{content:"•";position:absolute;left:0;color:var(--bright-cyan);font-size:1.5rem;font-weight:900}.credit-actions{display:flex;gap:1rem;justify-content:center;margin:2rem 0;flex-wrap:wrap}.btn-credit-primary,.btn-credit-secondary{padding:1.25rem 2.5rem;border:none;border-radius:12px;font-size:1.1rem;font-weight:800;cursor:pointer;transition:all .3s ease}.btn-credit-primary{background:var(--bright-cyan);color:var(--white)}.btn-credit-secondary{background:#f3f4f6;color:var(--dark-charcoal);border:2px solid #E5E7EB}.btn-credit-primary:hover,.btn-credit-secondary:hover{transform:translateY(-3px);box-shadow:0 8px 20px #0003}.credit-disclaimer{margin-top:2rem;padding:1.5rem;background:#fef3c7;border-radius:10px;text-align:center}.phase3-tools-container{background:var(--white);border-radius:20px;padding:3rem;margin:2rem 0}.phase3-tools-container h2{font-size:2rem;font-weight:900;color:var(--dark-green);margin-bottom:2rem;text-align:center}.tools-navigation{display:flex;gap:1rem;margin-bottom:3rem;overflow-x:auto;border-bottom:3px solid #E5E7EB}.tools-navigation button{padding:1.25rem 2rem;background:transparent;border:none;border-bottom:4px solid transparent;font-size:1.1rem;font-weight:700;color:#6b7280;cursor:pointer;transition:all .3s ease;white-space:nowrap}.tools-navigation button:hover{color:var(--dark-green)}.tools-navigation button.active{color:var(--bright-cyan);border-bottom-color:var(--bright-cyan)}.savings-tracker-container h3{font-size:1.75rem;font-weight:900;color:var(--dark-green);margin-bottom:2rem}.savings-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-bottom:3rem}.savings-metric{background:#f9fafb;padding:2rem;border-radius:12px}.savings-metric.highlight{background:linear-gradient(135deg,#fff7ed,#fed7aa);border:3px solid #F59E0B}.savings-metric .label{display:block;font-size:.95rem;color:#6b7280;margin-bottom:1rem;font-weight:600}.savings-metric .value{font-size:2rem;font-weight:900;color:var(--dark-green)}.savings-input{font-size:2rem;font-weight:900;color:var(--dark-green);border:none;background:transparent;width:100%}.monthly-capacity{margin:3rem 0;padding:2.5rem;background:linear-gradient(135deg,#f0f9ff,#e0f2f1);border-radius:16px}.monthly-capacity label{font-size:1.2rem;font-weight:800;color:var(--dark-green);display:block;margin-bottom:1.5rem}.savings-slider{width:100%;height:10px;background:#e5e7eb;border-radius:5px;outline:none;-webkit-appearance:none;margin-bottom:1rem}.savings-slider::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:var(--bright-cyan);cursor:pointer;box-shadow:0 4px 12px #0003}.slider-value{font-size:1.5rem;font-weight:900;color:var(--bright-cyan);margin-left:1rem}.timeline-basic{margin-top:1.5rem;font-size:1.1rem;color:#374151}.accelerate-section{margin:3rem 0}.accelerate-section h4{font-size:1.5rem;font-weight:900;color:var(--dark-green);margin-bottom:2rem}.accelerator-options{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}.accelerator-option{display:flex;gap:1.5rem;padding:2rem;background:#f9fafb;border:3px solid #E5E7EB;border-radius:16px;cursor:pointer;transition:all .3s ease}.accelerator-option:has(input:checked){background:linear-gradient(135deg,#e0f2f1,#f0f9ff);border-color:var(--bright-cyan)}.accelerator-option input[type=checkbox]{width:24px;height:24px;cursor:pointer}.option-content strong{display:block;font-size:1.1rem;color:var(--dark-green);margin-bottom:.5rem}.option-content p{font-size:.95rem;color:#6b7280;margin-bottom:.5rem}.impact{color:#16a34a;font-weight:700}.combined-strategy{margin:3rem 0;padding:2.5rem;background:linear-gradient(135deg,#fff7ed,#fed7aa);border-radius:16px;border:3px solid #F59E0B}.combined-strategy h4{font-size:1.5rem;font-weight:900;color:var(--dark-green);margin-bottom:1.5rem}.combined-result{font-size:1.3rem;font-weight:800;color:var(--dark-green);margin:1rem 0}.new-timeline{font-size:1.5rem;margin-top:1rem}.progress-bar-section{margin:3rem 0}.progress-bar-section h4{font-size:1.3rem;font-weight:800;color:var(--dark-green);margin-bottom:1.5rem}.progress-bar{width:100%;height:40px;background:#e5e7eb;border-radius:20px;overflow:hidden;margin-bottom:1rem}.progress-fill{height:100%;background:linear-gradient(90deg,var(--bright-cyan),var(--mint-green));transition:width .5s ease}.progress-text{text-align:center;font-size:1.2rem;font-weight:800;color:var(--dark-green)}.savings-actions{display:flex;gap:1rem;justify-content:center;margin:2rem 0;flex-wrap:wrap}.btn-savings-primary,.btn-savings-secondary{padding:1.25rem 2.5rem;border:none;border-radius:12px;font-size:1.1rem;font-weight:800;cursor:pointer;transition:all .3s ease}.btn-savings-primary{background:var(--bright-cyan);color:var(--white)}.btn-savings-secondary{background:#f3f4f6;color:var(--dark-charcoal);border:2px solid #E5E7EB}.rate-alerts-container h3{font-size:1.75rem;font-weight:900;color:var(--dark-green);margin-bottom:2rem}.current-rate-display{padding:2rem;background:#f9fafb;border-radius:12px;margin-bottom:3rem;text-align:center}.current-rate-display p{font-size:1.3rem;margin-bottom:.5rem}.last-updated{font-size:.95rem;color:#6b7280}.alert-preferences{margin:3rem 0;padding:2.5rem;background:linear-gradient(135deg,#f0f9ff,#e0f2f1);border-radius:16px}.alert-preferences h4{font-size:1.3rem;font-weight:800;color:var(--dark-green);margin-bottom:1.5rem}.preferences-intro{font-size:1.1rem;font-weight:600;color:#374151;margin-bottom:1.5rem}.alert-checkbox{display:flex;align-items:center;gap:1rem;padding:1.25rem;background:var(--white);border-radius:10px;margin-bottom:1rem;cursor:pointer;transition:all .3s ease}.alert-checkbox:hover{background:#f9fafb}.alert-checkbox input[type=checkbox]{width:20px;height:20px;cursor:pointer}.target-rate-input{width:80px;padding:.5rem;border:2px solid #E5E7EB;border-radius:6px;margin:0 .5rem;text-align:center;font-weight:700}.impact-analysis{margin:3rem 0}.impact-analysis h4{font-size:1.3rem;font-weight:800;color:var(--dark-green);margin-bottom:2rem}.impact-scenarios{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem}.impact-card{padding:2rem;border-radius:16px;border:3px solid}.impact-card.positive{background:#dcfce7;border-color:#16a34a}.impact-card.negative{background:#fee2e2;border-color:#dc2626}.impact-card 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