:root{--ink:#102033;--navy:#071b2c;--blue:#3568f4;--blue-dark:#2553d4;--mint:#c9f4dc;--paper:#f5f6f2;--white:#fff;--muted:#607084;--line:#d9dee4;--soft:#eaf0ff;--green:#14815b;--amber:#b16814;--red:#b43b35;--radius:16px;--shadow:0 24px 70px rgba(7,27,44,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:86px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,-apple-system,BlinkMacSystemFont,sans-serif;line-height:1.55;-webkit-font-smoothing:antialiased}.shell{width:min(1280px,calc(100% - 48px));margin:auto}.skip{position:fixed;z-index:1000;top:8px;left:8px;transform:translateY(-150%);padding:10px 15px;background:#fff;color:var(--navy);border-radius:8px}.skip:focus{transform:none}.site-header{position:sticky;z-index:60;top:0;background:rgba(7,27,44,.95);border-bottom:1px solid rgba(255,255,255,.12);backdrop-filter:blur(16px)}.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-size:21px;font-weight:800;letter-spacing:-.04em}.brand-mark{width:28px;height:28px;display:grid;place-items:center;border-radius:8px;background:var(--blue);font-size:13px}.nav nav{display:flex;align-items:center;gap:25px}.nav nav a{color:rgba(255,255,255,.7);font-size:12px;font-weight:700;text-decoration:none}.nav nav a:hover{color:#fff}.nav-cta{padding:10px 15px;border-radius:9px;background:#fff;color:var(--navy)!important}.hero{position:relative;overflow:hidden;padding:84px 0 110px;background:var(--navy);color:#fff}.hero:before{content:"";position:absolute;width:760px;height:760px;right:-240px;top:-390px;border-radius:50%;background:radial-gradient(circle,rgba(53,104,244,.42),transparent 67%)}.hero:after{content:"";position:absolute;inset:0;opacity:.12;background-image:linear-gradient(rgba(255,255,255,.18) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.14) 1px,transparent 1px);background-size:88px 88px;mask-image:linear-gradient(90deg,transparent,#000)}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.25fr .75fr;gap:90px;align-items:end}.eyebrow{margin:0 0 16px;color:#a9bdff;font-size:10px;font-weight:800;letter-spacing:.18em;text-transform:uppercase}.hero h1{max-width:820px;margin:0 0 23px;font-size:clamp(52px,7vw,88px);font-weight:700;line-height:.93;letter-spacing:-.064em}.hero .lead{max-width:680px;margin:0;color:rgba(255,255,255,.67);font-size:17px}.privacy-card{padding:24px;border:1px solid rgba(255,255,255,.15);border-radius:15px;background:rgba(255,255,255,.07);backdrop-filter:blur(12px)}.privacy-card strong{display:block;margin-bottom:9px}.privacy-card p{margin:0;color:rgba(255,255,255,.6);font-size:12px}.planner-wrap{position:relative;z-index:2;margin-top:-56px;padding-bottom:100px}.planner{border:1px solid rgba(16,32,51,.1);border-radius:22px;background:#fff;box-shadow:var(--shadow);overflow:hidden}.planner-toolbar{min-height:84px;padding:17px 22px;display:flex;align-items:center;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line)}.month-control{display:flex;align-items:center;gap:10px}.month-control h2{min-width:210px;margin:0;text-align:center;font-size:22px;letter-spacing:-.04em}.icon-btn,.text-btn{border:1px solid var(--line);border-radius:9px;background:#fff;color:var(--ink);font:inherit;font-size:12px;font-weight:700;cursor:pointer}.icon-btn{width:40px;height:40px}.text-btn{min-height:40px;padding:0 14px}.text-btn:hover,.icon-btn:hover{border-color:#a8b4c0;background:var(--paper)}.toolbar-actions{display:flex;gap:8px;flex-wrap:wrap}.planner-settings{padding:17px 22px;display:flex;align-items:end;gap:18px;background:var(--paper);border-bottom:1px solid var(--line)}.money-field{flex:0 1 260px}.money-field label{display:block;margin-bottom:6px;font-size:10px;font-weight:800}.money-input{min-height:46px;padding:0 13px;display:flex;align-items:center;border:1px solid #c9d1da;border-radius:9px;background:#fff;color:#748294}.money-input:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(53,104,244,.1)}.money-input input{width:100%;border:0;outline:0;padding:10px 7px;background:transparent;color:var(--ink);font:inherit;font-weight:700}.settings-note{margin:0 0 6px;color:var(--muted);font-size:10px}.metrics{padding:18px 22px;display:grid;grid-template-columns:repeat(5,1fr);gap:9px;border-bottom:1px solid var(--line)}.metric{min-height:94px;padding:15px;border:1px solid var(--line);border-radius:11px;background:#fff}.metric span{display:block;color:var(--muted);font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.08em}.metric strong{display:block;margin-top:8px;font-size:22px;letter-spacing:-.04em}.metric small{display:block;margin-top:3px;color:#8b97a4;font-size:8px}.metric.featured{border-color:#c8d5ff;background:var(--soft)}.metric.featured strong{color:var(--blue-dark)}.metric.negative strong{color:var(--red)}.planner-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px}.calendar-panel{min-width:0;padding:22px;border-right:1px solid var(--line)}.calendar-scroll-note{display:none;margin:0 0 10px;color:var(--muted);font-size:9px;font-weight:700}.calendar-weekdays,.calendar-grid{display:grid;grid-template-columns:repeat(7,minmax(0,1fr))}.calendar-weekdays div{padding:0 6px 9px;color:#8a96a4;font-size:9px;font-weight:800;text-align:right;text-transform:uppercase}.calendar-grid{border-top:1px solid var(--line);border-left:1px solid var(--line)}.calendar-day{position:relative;min-height:132px;padding:9px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;overflow:hidden}.calendar-day.blank{background:#fafaf8}.calendar-day.today{box-shadow:inset 0 0 0 2px var(--blue)}.day-head{display:flex;align-items:center;justify-content:space-between;gap:4px}.day-number{font-size:10px;font-weight:800}.day-balance{font-size:8px;font-weight:700;color:var(--muted)}.day-balance.negative{color:var(--red)}.day-events{display:grid;gap:4px;margin-top:8px}.day-event{padding:5px 6px;border-radius:6px;font-size:8px;line-height:1.25;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.day-event.income{background:#e4f6ed;color:#126747}.day-event.expense{background:#fff0ef;color:#93332e}.day-event b{float:right;margin-left:4px}.sidebar{padding:22px;background:#fafaf8}.sidebar h2{margin:0;font-size:20px;letter-spacing:-.04em}.sidebar-intro{margin:6px 0 19px;color:var(--muted);font-size:10px}.event-form{padding:17px;border:1px solid var(--line);border-radius:12px;background:#fff}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}.field{display:block;margin-bottom:11px}.field>span{display:block;margin-bottom:5px;font-size:9px;font-weight:800}.field input,.field select{width:100%;min-height:42px;padding:0 10px;border:1px solid #cbd2da;border-radius:8px;background:#fff;color:var(--ink);font:inherit;font-size:11px;outline:none}.field input:focus,.field select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(53,104,244,.1)}.amount-input{display:flex;align-items:center;border:1px solid #cbd2da;border-radius:8px;color:#718093;padding-left:10px}.amount-input input{border:0}.schedule-fields[hidden]{display:none}.form-actions{display:flex;gap:7px}.primary-btn{min-height:44px;flex:1;border:0;border-radius:9px;background:var(--blue);color:#fff;font:inherit;font-size:11px;font-weight:800;cursor:pointer}.primary-btn:hover{background:var(--blue-dark)}.cancel-btn{display:none}.cancel-btn.visible{display:block}.event-list-wrap{margin-top:24px}.event-list-head{display:flex;align-items:center;justify-content:space-between}.event-list-head h3{margin:0;font-size:13px}.event-count{color:var(--muted);font-size:9px}.event-list{display:grid;gap:7px;margin-top:10px}.event-row{padding:10px;border:1px solid var(--line);border-radius:9px;background:#fff}.event-main{display:flex;justify-content:space-between;gap:8px}.event-main strong{font-size:10px}.event-main b{font-size:10px}.event-meta{margin-top:3px;color:var(--muted);font-size:8px}.event-actions{display:flex;gap:10px;margin-top:7px}.event-actions button{padding:0;border:0;background:transparent;color:var(--blue);font:inherit;font-size:8px;font-weight:800;cursor:pointer}.event-actions .delete{color:var(--red)}.empty-state{padding:20px;border:1px dashed #bdc7d0;border-radius:9px;text-align:center;color:var(--muted);font-size:10px}.projection-note{padding:15px 22px;border-top:1px solid var(--line);background:#fff;color:var(--muted);font-size:9px}.projection-note strong{color:var(--ink)}.explain{padding:105px 0;background:#fff}.article-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:90px}.article-grid h2,.faq h2{font-size:clamp(35px,5vw,58px);line-height:1;letter-spacing:-.055em}.article-grid h3{margin:38px 0 9px;font-size:21px;letter-spacing:-.03em}.article-grid p,.article-grid li{color:var(--muted);font-size:14px}.article-grid li{margin:8px 0}.info-card{align-self:start;padding:25px;border:1px solid var(--line);border-radius:14px;background:var(--paper)}.info-card h2{font-size:18px}.info-card p{font-size:11px}.info-card a{color:var(--blue);font-size:11px;font-weight:700}.faq{padding:100px 0}.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:40px}details{padding:20px;border:1px solid var(--line);border-radius:11px;background:#fff}summary{cursor:pointer;font-size:13px;font-weight:800}details p{margin:13px 0 0;color:var(--muted);font-size:11px}footer{padding:64px 0 30px;background:var(--navy);color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:55px}.footer-grid p{max-width:390px;color:rgba(255,255,255,.5);font-size:11px}.footer-grid strong{display:block;margin-bottom:12px;font-size:11px}.footer-grid a:not(.brand){display:block;margin:8px 0;color:rgba(255,255,255,.56);font-size:10px;text-decoration:none}.fine-print{margin-top:46px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.38);font-size:9px}@media(max-width:1050px){.metrics{grid-template-columns:repeat(3,1fr)}.planner-grid{grid-template-columns:1fr}.calendar-panel{border-right:0;border-bottom:1px solid var(--line)}.sidebar{display:grid;grid-template-columns:1fr 1fr;gap:20px}.event-list-wrap{margin-top:0}}@media(max-width:800px){.hero-grid,.article-grid{grid-template-columns:1fr;gap:38px}.hero{padding:70px 0 100px}.nav nav a:not(.nav-cta){display:none}.planner-toolbar{align-items:flex-start}.toolbar-actions{justify-content:flex-end}.metrics{grid-template-columns:repeat(2,1fr)}.metric.featured{grid-column:1/-1}.calendar-panel{overflow-x:auto}.calendar-scroll-note{display:block;position:sticky;left:0}.calendar-weekdays,.calendar-grid{min-width:760px}.sidebar{grid-template-columns:1fr}.event-list-wrap{margin-top:0}.article-grid{gap:40px}}@media(max-width:560px){.shell{width:calc(100% - 28px)}.hero h1{font-size:47px}.planner-wrap{margin-top:-38px}.planner-toolbar{display:block;padding:16px}.month-control{justify-content:space-between}.month-control h2{min-width:0;font-size:18px}.toolbar-actions{margin-top:13px;justify-content:flex-start}.planner-settings{display:grid;grid-template-columns:1fr 1fr;padding:15px}.money-field{min-width:0}.settings-note{grid-column:1/-1}.metrics{padding:14px}.metric{min-height:85px;padding:12px}.metric strong{font-size:19px}.calendar-panel,.sidebar{padding:14px}.form-row{grid-template-columns:1fr}.article-grid h2,.faq h2{font-size:38px}.faq-grid,.footer-grid{grid-template-columns:1fr}.footer-grid{gap:30px}.explain,.faq{padding:75px 0}}@media print{.site-header,.hero,.sidebar,.planner-toolbar,.toolbar-actions,.explain,.faq,.refi-magnet,footer{display:none!important}.planner-wrap{margin:0;padding:0}.planner{box-shadow:none;border:0}.calendar-panel{border:0}.calendar-weekdays,.calendar-grid{min-width:0}.calendar-day{min-height:105px}.metrics{grid-template-columns:repeat(5,1fr)}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}