:root{--ink:#0B2545;--ink-soft:#4C5D7A;--paper:#FBF9F4;--paper-line:#DAD4C3;--blue-deep:#0A2140;--blue-mid:#123564;--blue-ryl:#2e6697;--blue-line:rgba(255,255,255,0.14);--brass:#B8902E;--brass-light:#E4C878;--green:#2E7D46;--green-bg:#E9F3EA;--coral:#AE3A2C;--coral-bg:#F7EAE7;--amber:#9C6B12;--amber-bg:#FBF0DC;--shadow:0 12px 30px rgba(11,37,69,0.10);--radius:2px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:'Source Serif 4',serif;line-height:1.55}h1,h2,h3,.display{font-family:'Big Shoulders Display',sans-serif;font-weight:800;text-transform:uppercase;letter-spacing:.01em;color:var(--ink);margin:0}.mono{font-family:'IBM Plex Mono',monospace}.eyebrow{font-family:'IBM Plex Mono',monospace;font-size:1.1rem;letter-spacing:.18em;text-transform:uppercase;color:var(--brass);font-weight:600}.wrap{max-width:1180px;margin:0 auto;padding:0 18px}a{color:inherit}.topbar{background:var(--blue-deep);color:#EDEFF3;padding:16px 28px;display:flex;justify-content:space-between;align-items:center;font-family:'IBM Plex Mono',monospace;font-size:.78rem;letter-spacing:.06em}.topbar .mark{font-weight:600;color:#fff;letter-spacing:.1em}.topbar .mark span{color:var(--brass-light)}.topbar .date{opacity:.65}.hero{position:relative;background:var(--paper);color:var (--blue-deep);overflow:hidden;padding:55px 0 25px}.hero::before{content:"";position:absolute;inset:0;background-image:repeating-linear-gradient(0deg,var(--blue-line) 0 1px,transparent 1px 88px),repeating-linear-gradient(90deg,var(--blue-line) 0 1px,transparent 1px 88px);opacity:.5;pointer-events:none}.hero-inner{position:relative}.hero h1{font-size:clamp(2.25rem, 4.5vw, 3.33rem);color:var(--blue-deep);line-height:1.02;max-width:42ch;margin-top:14px}.hero-sub{font-family:'Source Serif 4',serif;font-size:1.15rem;color:#454951;max-width:80ch;margin-top:18px}.hero-scroll{display:inline-flex;align-items:center;gap:8px;margin-top:28px;font-family:'IBM Plex Mono',monospace;font-size:.875rem;letter-spacing:.08em;color:var(--brass-light);text-decoration:none;border-bottom:1px solid var(--brass-light);padding-bottom:3px}.intro-row{display:grid;grid-template-columns:1fr;gap:16px;margin-top:10px;align-items:stretch}@media (max-width:900px){.intro-row{grid-template-columns:1fr}}.audience-stack{display:flex;flex-direction:column;gap:15px}.audience-card{background:rgb(255 255 255 / .045);border:1px solid var(--blue-line);border-radius:var(--radius);padding:22px 24px}.audience-card .tag{font-family:'IBM Plex Mono',monospace;font-size:1.0375rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-light);margin-bottom:8px;display:block}.audience-card p,.audience-card ul{color:#454951;font-size:1.0875rem;margin:0;margin-bottom:10px}.checklist{list-style:none;padding:0}.checklist li{position:relative;padding-left:28px;margin-bottom:10px}.checklist li::before{content:"✓";position:absolute;left:0;top:1px;color:var(--blue-deep);font-weight:700}.spec-panel{position:relative;border:1px solid var(--blue-line);border-radius:var(--radius);padding:22px 22px 26px;background:rgb(255 255 255 / .03);display:flex;flex-direction:column}.corner{position:absolute;width:16px;height:16px}.corner::before,.corner::after{content:"";position:absolute;background:var(--brass-light)}.corner.tl{top:8px;left:8px}.corner.tr{top:8px;right:8px}.corner.bl{bottom:8px;left:8px}.corner.br{bottom:8px;right:8px}.corner::before{width:100%;height:1px;top:0;left:0}.corner::after{width:1px;height:100%;top:0;left:0}.corner.tr::after{left:auto;right:0}.corner.bl::before{top:auto;bottom:0}.corner.br::before{top:auto;bottom:0}.corner.br::after{left:auto;right:0}.spec-title{font-size:1.125rem;letter-spacing:.03em;color:#fff}.spec-rev{font-family:'IBM Plex Mono',monospace;font-size:.7875rem;color:#8FA0BE;letter-spacing:.1em;margin-top:4px}.spec-bars{margin-top:28px;display:flex;flex-direction:column;gap:20px;flex:1}.spec-bar-row .label-line{display:flex;justify-content:space-between;font-family:'IBM Plex Mono',monospace;font-size:.72rem;color:#B8C2D6;margin-bottom:6px;letter-spacing:.04em}.spec-bar-row .label-line b{color:#fff;font-size:.82rem}.bar-track{height:10px;background:rgb(255 255 255 / .08);border-radius:1px;overflow:hidden}.bar-fill{height:100%;border-radius:1px;transition:width 0.35s ease}.bar-fill.current{background:#7C8CAE}.bar-fill.new{background:var(--brass-light)}.spec-foot{margin-top:22px;padding-top:16px;border-top:1px dashed var(--blue-line);font-family:'IBM Plex Mono',monospace;font-size:.8rem;color:#8FA0BE;display:flex;justify-content:space-between}.spec-foot b{color:var(--brass-light);font-size:.9875rem;display:block;margin-top:2px}main{padding:50px 0 90px}.section-head{margin-bottom:34px}.section-head h2{font-size:clamp(1.7rem,3vw,2.3rem);margin-top:8px}.section-head p{color:var(--ink-soft);max-width:72ch;margin-top:10px;font-size:.98rem}.calc-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:24px;align-items:start}@media (max-width:960px){.calc-grid{grid-template-columns:1fr}}.panel{background:#fff;border:1px solid var(--paper-line);border-radius:var(--radius);padding:26px 28px}.panel+.panel{margin-top:22px}.panel-title{font-size:1.2rem;font-weight:700;letter-spacing:.03em;display:flex;align-items:center;gap:10px;margin-bottom:22px;color:var(--ink)}.panel-title .num{font-family:'IBM Plex Mono',monospace;font-size:1.05rem;font-weight:700;color:var(--blue-ryl);border:2px solid var(--blue-ryl);border-radius:50%;width:28px;height:28px;display:flex;align-items:center;justify-content:center}.col-pair{display:grid;grid-template-columns:1fr 1fr;gap:26px}@media (max-width:560px){.col-pair{grid-template-columns:1fr}}.field{margin-bottom:20px}.field label{display:flex;justify-content:space-between;align-items:baseline;font-family:'IBM Plex Mono',monospace;font-size:.95rem;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:8px}.field .val{font-family:'IBM Plex Mono',monospace;font-size:1.1rem;color:var(--ink);font-weight:700}input[type=range]{-webkit-appearance:none;width:100%;height:4px;background:var(--blue-deep);border-radius:2px;outline:none}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--blue-ryl);border:2px solid #fff;box-shadow:0 0 0 1px var(--blue-ryl);cursor:pointer;margin-top:-1px}input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--blue-ryl);border:2px solid #fff;box-shadow:0 0 0 1px var(--blue-ryl);cursor:pointer}.field-input-row{display:flex;align-items:center;gap:12px}.field-input-row input[type=range]{flex:1}.num-input{width:110px;font-family:'IBM Plex Mono',monospace;font-size:1rem;color:var(--ink);border:1px solid var(--paper-line);border-radius:2px;margin-top:14px;padding:6px 8px;text-align:right}.ticks{display:flex;justify-content:space-between;font-family:'IBM Plex Mono',monospace;font-size:.8rem;color:var(--ink-soft);margin-top:6px;opacity:.75}.toggle-row{display:flex;gap:8px;margin-bottom:22px}.toggle-btn{flex:1;font-family:'IBM Plex Mono',monospace;font-size:1rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:10px 12px;border:1px solid var(--paper-line);background:#fff;color:var(--ink-soft);cursor:pointer;border-radius:var(--radius);transition:all .15s ease}.toggle-btn.active{background:var(--blue-deep);border-color:var(--blue-deep);color:#fff}.chip-row{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}.chip{font-family:'IBM Plex Mono',monospace;font-size:.875rem;padding:7px 12px;border:1px solid var(--brass);color:var(--brass);background:#fff;border-radius:20px;cursor:pointer}.chip:hover{background:var(--brass);color:#fff}.results-panel{background:var(--blue-deep);color:#EDEFF3;border:none;position:sticky;top:20px}.results-panel .panel-title{color:#fff}.results-panel .panel-title .num{border-color:var(--paper);color:var(--paper)}.result-row{display:flex;justify-content:space-between;align-items:baseline;padding:13px 0;border-bottom:1px solid var(--blue-line);font-family:'IBM Plex Mono',monospace}.result-row:last-of-type{border-bottom:none}.result-row .r-label{font-size:.875rem;color:#AEB9CE;letter-spacing:.03em}.result-row .r-val{font-size:1.18rem;font-weight:700;color:#fff}.result-row .r-val.pos{color:#8FD3A2}.result-row .r-val.neg{color:#E29C8F}.verdict-box{margin-top:20px;padding:18px 18px;border-radius:var(--radius);border:1px solid var(--blue-line)}.verdict-box .v-tag{font-family:'IBM Plex Mono',monospace;font-size:.8rem;letter-spacing:.2em;text-transform:uppercase;margin-bottom:6px}.verdict-box .v-title{font-family:'Big Shoulders Display',sans-serif;font-weight:800;text-transform:uppercase;font-size:1.5rem;letter-spacing:.04em}.verdict-box .v-text{font-family:'Source Serif 4',serif;font-size:1rem;color:#D6DCE8;margin-top:8px;line-height:1.5}.verdict-box .v-warn{margin-top:10px;font-family:'IBM Plex Mono',monospace;font-size:.85rem;color:var(--brass-light);border-top:1px dashed var(--blue-line);padding-top:10px}.verdict-strong{border-color:#4E8F63}.verdict-consider{border-color:var(--brass)}.verdict-hold{border-color:#A85A4C}.debt-row{display:grid;grid-template-columns:1.4fr 1fr 0.8fr 0.5fr;gap:10px;align-items:center;margin-bottom:10px}@media (max-width:560px){.debt-row{grid-template-columns:1fr 1fr}}.debt-row input[type=text],.debt-row input[type=number]{font-family:'IBM Plex Mono',monospace;font-size:.85rem;padding:8px 10px;border:1px solid var(--paper-line);border-radius:2px;color:var(--ink);width:100%}.debt-row .rm{background:none;border:1px solid var(--paper-line);color:var(--ink-soft);border-radius:2px;cursor:pointer;font-family:'IBM Plex Mono',monospace;font-size:.8rem;padding:8px 6px}.debt-controls{display:flex;justify-content:space-between;align-items:center;margin-top:14px}.add-debt{font-family:'IBM Plex Mono',monospace;font-size:.85rem;background:none;border:1px dashed var(--brass);color:var(--brass);padding:8px 14px;border-radius:2px;cursor:pointer}.consolidate-check{display:flex;align-items:center;gap:8px;font-family:'IBM Plex Mono',monospace;font-size:.9125rem;color:var(--ink-soft)}.debt-summary{margin-top:16px;padding-top:14px;border-top:1px solid var(--paper-line);display:flex;gap:28px;flex-wrap:wrap;font-family:'IBM Plex Mono',monospace;font-size:.9375rem;color:var(--ink-soft)}.debt-summary b{color:var(--ink);display:block;font-size:1.0375rem;margin-top:2px}table.rate-table{width:100%;border-collapse:collapse;font-family:'IBM Plex Mono',monospace;font-size:.95rem}table.rate-table th{text-align:left;font-size:.7875rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft);border-bottom:1px solid var(--paper-line);padding:8px 6px}table.rate-table td{padding:11px 6px;border-bottom:1px solid var(--paper-line)}table.rate-table tr.selected{background:var(--amber-bg)}table.rate-table tr.selected td:first-child{font-weight:700;color:var(--amber)}.diff-pos{color:var(--green)}.diff-neg{color:var(--coral)}.ruler-wrap{margin-top:8px}.ruler-track{position:relative;height:64px;margin-top:34px}.ruler-line{position:absolute;top:28px;left:0;right:0;height:2px;background:var(--ink)}.ruler-tick{position:absolute;top:22px;width:1px;height:14px;background:var(--paper-line)}.ruler-tick span{position:absolute;top:16px;left:50%;transform:translateX(-50%);font-family:'IBM Plex Mono',monospace;font-size:.62rem;color:var(--ink-soft);white-space:nowrap}.ruler-tick.major{background:var(--ink-soft);height:14px}.ruler-marker{position:absolute;top:-6px;transform:translateX(-50%);display:flex;flex-direction:column;align-items:center;gap:4px}.ruler-marker .flag{background:var(--brass);color:#fff;font-family:'IBM Plex Mono',monospace;font-size:.8rem;padding:5px 8px;border-radius:2px;white-space:nowrap}.ruler-marker .pin{width:2px;height:34px;background:var(--brass)}.ruler-marker .dot{width:10px;height:10px;border-radius:50%;background:var(--brass);border:2px solid #fff;box-shadow:0 0 0 1px var(--brass)}.clc-wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.bar-fill{transition:none}}