.section[data-astro-cid-xqh6ix3b].tight{padding:clamp(32px,5vw,52px) 0}.frame[data-astro-cid-xqh6ix3b]{background:var(--card);border:1px solid var(--line-card);border-radius:var(--r-lg);box-shadow:var(--shadow-md);padding:clamp(22px,3vw,30px)}.summary[data-astro-cid-xqh6ix3b]{max-width:820px;margin:0 auto}.summary[data-astro-cid-xqh6ix3b] h2[data-astro-cid-xqh6ix3b]{margin-top:12px;font-size:clamp(23px,2.8vw,30px)}.summary[data-astro-cid-xqh6ix3b] p[data-astro-cid-xqh6ix3b]{color:var(--ink-2);margin-top:12px;font-size:16px}.summary[data-astro-cid-xqh6ix3b] .meta[data-astro-cid-xqh6ix3b],.sub-note[data-astro-cid-xqh6ix3b],.faq-src[data-astro-cid-xqh6ix3b]{color:var(--ink-3);font-size:13.5px}.summary[data-astro-cid-xqh6ix3b] .meta[data-astro-cid-xqh6ix3b]{margin-top:16px}.calc[data-astro-cid-xqh6ix3b]{max-width:900px;margin:0 auto}.calc-block[data-astro-cid-xqh6ix3b]+.calc-block[data-astro-cid-xqh6ix3b]{margin-top:20px}.blk-title[data-astro-cid-xqh6ix3b]{text-align:left;margin-bottom:16px;font-size:18px}.opt[data-astro-cid-xqh6ix3b]{font-family:var(--sans);color:var(--ink-3);background:var(--sand);vertical-align:middle;border-radius:999px;margin-left:8px;padding:3px 9px;font-size:12px;font-weight:600}.grid-fields[data-astro-cid-xqh6ix3b]{text-align:left;grid-template-columns:repeat(3,1fr);gap:16px;display:grid}@media (width<=760px){.grid-fields[data-astro-cid-xqh6ix3b]{grid-template-columns:1fr 1fr}}@media (width<=560px){.grid-fields[data-astro-cid-xqh6ix3b]{grid-template-columns:1fr}}.fld[data-astro-cid-xqh6ix3b]{flex-direction:column;gap:7px;display:flex}.fld[data-astro-cid-xqh6ix3b]>span[data-astro-cid-xqh6ix3b]{color:var(--ink-2);font-size:13px;font-weight:600}.fld[data-astro-cid-xqh6ix3b] input[data-astro-cid-xqh6ix3b],.fld[data-astro-cid-xqh6ix3b] select[data-astro-cid-xqh6ix3b]{font-family:var(--sans);color:var(--ink);background:var(--cream);border:1.5px solid var(--line);appearance:none;border-radius:11px;width:100%;padding:12px 13px;font-size:15.5px;transition:border-color .15s,box-shadow .15s}.fld[data-astro-cid-xqh6ix3b] input[data-astro-cid-xqh6ix3b]:focus,.fld[data-astro-cid-xqh6ix3b] select[data-astro-cid-xqh6ix3b]:focus{border-color:var(--teal);outline:none;box-shadow:0 0 0 3px #1f6f5c24}.fld[data-astro-cid-xqh6ix3b] select[data-astro-cid-xqh6ix3b]{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2.5 4.5 6 8l3.5-3.5' stroke='%235B5449' stroke-width='1.6' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-position:right 13px center;background-repeat:no-repeat;background-size:12px;padding-right:34px}.help[data-astro-cid-xqh6ix3b]{color:var(--ink-3);text-align:left;margin-top:14px;font-size:13.5px}.help[data-astro-cid-xqh6ix3b]+.help[data-astro-cid-xqh6ix3b]{margin-top:6px}.calc-actions[data-astro-cid-xqh6ix3b]{margin-top:20px}.calc-actions[data-astro-cid-xqh6ix3b] .btn[data-astro-cid-xqh6ix3b]{width:100%}.calc-actions[data-astro-cid-xqh6ix3b] .btn[data-astro-cid-xqh6ix3b][disabled]{opacity:.65;cursor:progress}.btn[data-astro-cid-xqh6ix3b]{cursor:pointer;border:0;border-radius:999px;justify-content:center;align-items:center;gap:9px;padding:15px 30px;font-size:16.5px;font-weight:600;line-height:1.2;transition:transform .18s,background-color .18s;display:inline-flex}.btn-primary[data-astro-cid-xqh6ix3b]{background:var(--teal);color:#f4faf7;box-shadow:0 12px 26px -10px #14503f8c,inset 0 1px #ffffff38}.btn-primary[data-astro-cid-xqh6ix3b]:hover{background:var(--teal-deep);transform:translateY(-1px)}.result-shell[data-astro-cid-xqh6ix3b]{text-align:left;margin-top:20px}.nojs[data-astro-cid-xqh6ix3b],.placeholder[data-astro-cid-xqh6ix3b]{border-radius:var(--r-md);background:var(--card);text-align:center;color:var(--ink-2);border:1.5px dashed #d8cebb;padding:clamp(22px,3vw,30px)}.nojs[data-astro-cid-xqh6ix3b]{margin-bottom:16px;font-size:15px}.placeholder[data-astro-cid-xqh6ix3b] h3[data-astro-cid-xqh6ix3b]{color:var(--ink);font-size:19px}.placeholder[data-astro-cid-xqh6ix3b]>p[data-astro-cid-xqh6ix3b]{margin-top:8px;font-size:15px}.ph-list[data-astro-cid-xqh6ix3b]{text-align:left;flex-direction:column;gap:8px;max-width:380px;margin:16px auto 0;padding:0;list-style:none;display:flex}.ph-list[data-astro-cid-xqh6ix3b] li[data-astro-cid-xqh6ix3b]{align-items:center;gap:9px;font-size:14.5px;display:flex}.ph-list[data-astro-cid-xqh6ix3b] li[data-astro-cid-xqh6ix3b]:before{content:"";background:var(--gold-soft);border-radius:50%;flex:none;width:7px;height:7px}.result[data-astro-cid-xqh6ix3b]{scroll-margin-top:96px;display:none}.result[data-astro-cid-xqh6ix3b].on{display:block}.rt-head[data-astro-cid-xqh6ix3b]{flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:14px;margin-bottom:18px;display:flex}.rt-head[data-astro-cid-xqh6ix3b] h3[data-astro-cid-xqh6ix3b]{font-size:clamp(20px,2.6vw,26px)}.rt-caption[data-astro-cid-xqh6ix3b]{color:var(--ink-3);font-size:12.5px;font-style:italic}.notice[data-astro-cid-xqh6ix3b]{background:var(--warn-bg);color:var(--warn);border-radius:13px;align-items:flex-start;gap:10px;margin-bottom:16px;padding:12px 14px;font-size:14.5px;display:flex}.notice[data-astro-cid-xqh6ix3b][hidden]{display:none}.notice[data-astro-cid-xqh6ix3b] .ni{width:18px;height:18px;color:var(--warn-dot);flex:none;margin-top:3px}.verdict[data-astro-cid-xqh6ix3b]{background:var(--good-bg);color:var(--good);border-radius:13px;align-items:flex-start;gap:10px;margin-bottom:16px;padding:12px 14px;font-size:15px;display:flex}.verdict[data-astro-cid-xqh6ix3b][hidden]{display:none}.verdict[data-astro-cid-xqh6ix3b] p[data-astro-cid-xqh6ix3b]{margin:0}.verdict[data-astro-cid-xqh6ix3b] .vi[data-astro-cid-xqh6ix3b]{width:18px;height:18px;color:var(--good);flex:none;margin-top:3px}.verdict[data-astro-cid-xqh6ix3b] .vi[data-astro-cid-xqh6ix3b] svg{width:18px;height:18px}.verdict[data-astro-cid-xqh6ix3b] .vi-warn[data-astro-cid-xqh6ix3b],.verdict[data-astro-cid-xqh6ix3b].fail .vi-ok[data-astro-cid-xqh6ix3b]{display:none}.verdict[data-astro-cid-xqh6ix3b].fail .vi-warn[data-astro-cid-xqh6ix3b]{color:var(--warn-dot);display:block}.verdict[data-astro-cid-xqh6ix3b].fail{background:var(--warn-bg);color:var(--warn)}.inel[data-astro-cid-xqh6ix3b]{border:1px solid var(--line-card);border-radius:var(--r-md);padding:clamp(22px,3vw,30px)}.inel[data-astro-cid-xqh6ix3b][hidden]{display:none}.inel[data-astro-cid-xqh6ix3b] h4[data-astro-cid-xqh6ix3b]{font-family:var(--serif);font-size:20px;font-weight:600}.inel-list[data-astro-cid-xqh6ix3b]{flex-direction:column;gap:11px;margin:14px 0 0;padding:0;list-style:none;display:flex}.inel-list[data-astro-cid-xqh6ix3b] li{color:var(--ink-2);gap:11px;font-size:15px;display:flex}.inel-list[data-astro-cid-xqh6ix3b] li:before{content:"✕";background:var(--bad-bg);width:24px;height:24px;color:var(--bad);border-radius:50%;flex:none;place-items:center;font-size:12px;font-weight:700;display:grid}.inel-note[data-astro-cid-xqh6ix3b]{color:var(--ink-3);margin-top:16px;font-size:13.5px}.ov-grid[data-astro-cid-xqh6ix3b]{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}@media (width<=760px){.ov-grid[data-astro-cid-xqh6ix3b]{grid-template-columns:1fr 1fr}}@media (width<=560px){.ov-grid[data-astro-cid-xqh6ix3b]{grid-template-columns:1fr}}.stat[data-astro-cid-xqh6ix3b]{background:var(--card);border:1px solid var(--line-soft);border-radius:13px;align-items:flex-start;gap:12px;padding:15px 16px;display:flex}.stat[data-astro-cid-xqh6ix3b] .si[data-astro-cid-xqh6ix3b]{background:var(--teal-tint);width:34px;height:34px;color:var(--teal-deep);border-radius:10px;flex:none;place-items:center;display:grid}.stat[data-astro-cid-xqh6ix3b] .si[data-astro-cid-xqh6ix3b] svg{width:18px;height:18px}.stat[data-astro-cid-xqh6ix3b] .sl[data-astro-cid-xqh6ix3b]{color:var(--ink-3);font-size:12.5px;font-weight:600}.stat[data-astro-cid-xqh6ix3b] .sv[data-astro-cid-xqh6ix3b]{font-family:var(--serif);font-variant-numeric:tabular-nums;margin-top:3px;font-size:20px;font-weight:600}.stat[data-astro-cid-xqh6ix3b].coral .si[data-astro-cid-xqh6ix3b]{color:var(--coral-deep);background:#fbe3dc}.stat[data-astro-cid-xqh6ix3b].gold .si[data-astro-cid-xqh6ix3b]{background:var(--gold-tint);color:var(--gold)}.ov-sub[data-astro-cid-xqh6ix3b]{margin-top:22px}.ov-sub[data-astro-cid-xqh6ix3b] h4[data-astro-cid-xqh6ix3b]{font-size:15px;font-family:var(--sans);font-weight:700}.ov-sub[data-astro-cid-xqh6ix3b] .sub-note[data-astro-cid-xqh6ix3b]{margin-top:8px}.ov-rows[data-astro-cid-xqh6ix3b]{border:1px solid var(--line-soft);border-radius:13px;margin-top:12px;overflow:hidden}.ov-rows[data-astro-cid-xqh6ix3b] .r[data-astro-cid-xqh6ix3b]{border-bottom:1px solid var(--line-soft);align-items:center;gap:9px;padding:12px 16px;font-size:14.5px;display:flex}.ov-rows[data-astro-cid-xqh6ix3b] .r[data-astro-cid-xqh6ix3b]:last-child{border-bottom:0}.ov-rows[data-astro-cid-xqh6ix3b] .r[data-astro-cid-xqh6ix3b][hidden]{display:none}.ov-rows[data-astro-cid-xqh6ix3b] .lab[data-astro-cid-xqh6ix3b]{color:var(--ink-2)}.ov-rows[data-astro-cid-xqh6ix3b] .val[data-astro-cid-xqh6ix3b]{font-variant-numeric:tabular-nums;text-align:right;margin-left:auto;font-weight:600}.ov-rows[data-astro-cid-xqh6ix3b] .val[data-astro-cid-xqh6ix3b].ratio.pass{color:var(--good)}.ov-rows[data-astro-cid-xqh6ix3b] .val[data-astro-cid-xqh6ix3b].ratio.fail{color:var(--bad)}[data-astro-cid-xqh6ix3b][data-result=servicing][hidden],[data-astro-cid-xqh6ix3b][data-result=servicing-empty][hidden],[data-astro-cid-xqh6ix3b][data-result=msrNote][hidden]{display:none}.legend[data-astro-cid-xqh6ix3b]{color:var(--ink-2);gap:16px;margin-top:10px;font-size:13px;display:flex}.legend[data-astro-cid-xqh6ix3b] span[data-astro-cid-xqh6ix3b]{align-items:center;gap:6px;display:inline-flex}.legend[data-astro-cid-xqh6ix3b] i[data-astro-cid-xqh6ix3b]{border-radius:3px;width:12px;height:12px}.k-principal[data-astro-cid-xqh6ix3b]{background:var(--cash);box-shadow:inset 0 2px 0 var(--cash-edge)}.k-interest[data-astro-cid-xqh6ix3b]{background:var(--prop);box-shadow:inset 0 2px 0 var(--prop-edge)}.chart[data-astro-cid-xqh6ix3b]{margin-top:10px}.chart[data-astro-cid-xqh6ix3b] svg{width:100%;height:auto;display:block}.chart[data-astro-cid-xqh6ix3b] .bar-principal{fill:var(--cash);fill-opacity:.82}.chart[data-astro-cid-xqh6ix3b] .bar-interest{fill:var(--prop);fill-opacity:.82}.chart[data-astro-cid-xqh6ix3b] .edge-principal{stroke:var(--cash-edge);stroke-width:1.5px}.chart[data-astro-cid-xqh6ix3b] .edge-interest{stroke:var(--prop-edge);stroke-width:1.5px}.chart[data-astro-cid-xqh6ix3b] .axis{stroke:var(--line);stroke-width:1.5px}.chart[data-astro-cid-xqh6ix3b] .tick{fill:var(--ink-3);font-family:var(--sans);text-anchor:middle;font-size:15px}.amort[data-astro-cid-xqh6ix3b]{margin-top:14px}.amort[data-astro-cid-xqh6ix3b] summary[data-astro-cid-xqh6ix3b]{cursor:pointer;color:var(--teal-deep);font-size:14.5px;font-weight:600}.tbl-wrap[data-astro-cid-xqh6ix3b]{margin-top:14px;overflow-x:auto}.tbl[data-astro-cid-xqh6ix3b]{border-collapse:collapse;font-variant-numeric:tabular-nums;text-align:left;width:100%;font-size:14.5px}.tbl[data-astro-cid-xqh6ix3b] caption[data-astro-cid-xqh6ix3b]{caption-side:top;text-align:left;color:var(--ink-3);padding-bottom:8px;font-size:13px}.tbl[data-astro-cid-xqh6ix3b] th[data-astro-cid-xqh6ix3b],.tbl[data-astro-cid-xqh6ix3b] td{border-bottom:1px solid var(--line-soft);vertical-align:top;padding:10px 12px}@media (width<=560px){.tbl[data-astro-cid-xqh6ix3b]{font-size:12.5px}.tbl[data-astro-cid-xqh6ix3b] th[data-astro-cid-xqh6ix3b],.tbl[data-astro-cid-xqh6ix3b] td{padding:8px 5px}.tbl[data-astro-cid-xqh6ix3b] thead[data-astro-cid-xqh6ix3b] th[data-astro-cid-xqh6ix3b]{font-size:12px}}.tbl[data-astro-cid-xqh6ix3b] thead[data-astro-cid-xqh6ix3b] th[data-astro-cid-xqh6ix3b]{color:var(--ink-2);background:var(--sand);font-size:13px}.tbl[data-astro-cid-xqh6ix3b] tbody[data-astro-cid-xqh6ix3b] th[data-astro-cid-xqh6ix3b]{color:var(--ink-2);font-weight:600}.tbl[data-astro-cid-xqh6ix3b] td{color:var(--ink)}.disclaim[data-astro-cid-xqh6ix3b]{border-top:1px solid var(--line-soft);color:var(--ink-3);max-width:76ch;margin-top:20px;padding-top:16px;font-size:13px}.prose[data-astro-cid-xqh6ix3b] h2[data-astro-cid-xqh6ix3b]{margin-top:12px;font-size:clamp(22px,2.6vw,28px)}.prose[data-astro-cid-xqh6ix3b] h2[data-astro-cid-xqh6ix3b].h3{margin-top:0;font-size:20px}.prose[data-astro-cid-xqh6ix3b] p[data-astro-cid-xqh6ix3b]{color:var(--ink-2);margin-top:12px;font-size:15.5px}[data-astro-cid-xqh6ix3b][data-worked-example]{max-width:900px;margin:0 auto}.rules[data-astro-cid-xqh6ix3b]{text-align:left;gap:22px;display:grid}.rules[data-astro-cid-xqh6ix3b] h3[data-astro-cid-xqh6ix3b]{font-size:19px}.rules[data-astro-cid-xqh6ix3b] .sub-note[data-astro-cid-xqh6ix3b]{margin-top:12px}.hw-grid[data-astro-cid-xqh6ix3b]{grid-template-columns:1fr 1fr;gap:22px;display:grid}@media (width<=900px){.hw-grid[data-astro-cid-xqh6ix3b]{grid-template-columns:1fr}}.faq-src[data-astro-cid-xqh6ix3b]{margin-top:8px}.sources[data-astro-cid-xqh6ix3b]{max-width:820px;margin:0 auto}.sources[data-astro-cid-xqh6ix3b] h2[data-astro-cid-xqh6ix3b]{font-size:20px}.sources[data-astro-cid-xqh6ix3b] p[data-astro-cid-xqh6ix3b]{color:var(--ink-3);margin-top:8px;font-size:14px}.sources[data-astro-cid-xqh6ix3b] ul[data-astro-cid-xqh6ix3b]{flex-direction:column;gap:6px;margin:12px 0 0;padding-left:18px;font-size:14.5px;display:flex}