:root{--bg: #ffffff;--surface: #f7f8fa;--border: #e3e6ea;--text: #16191d;--muted: #5c6570;--accent: #1f5eff;--accent-soft: #eef3ff;--ok: #0f7b3f;--radius: 10px;--maxw: 1160px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:64px}body{margin:0;background:var(--bg);color:var(--text);font:16px/1.65 -apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif}a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}.site-header{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50;background:var(--bg);box-shadow:0 1px 3px #16191d0d}.site-header__brand{display:inline-flex;align-items:center;gap:9px;font-size:18px;color:var(--text);flex-shrink:0}.site-header__brand:hover{text-decoration:none}.brand__mark{width:28px;height:28px;display:block;flex-shrink:0}.brand__text{display:inline-flex;align-items:baseline;gap:5px;white-space:nowrap}.brand__name{font-weight:700;letter-spacing:-.01em}.brand__name2{font-weight:600;color:var(--muted);letter-spacing:-.01em}.site-header__nav{display:flex;gap:18px;font-size:14px}.site-header__nav a{color:var(--muted)}.site-main{max-width:var(--maxw);margin:0 auto;padding:28px 20px 56px}.site-footer{border-top:1px solid var(--border);background:var(--surface);padding:28px 20px 40px;font-size:14px;color:var(--muted)}.site-footer__title{font-weight:600;color:var(--text);margin:0 0 8px}.site-footer__nav ul{list-style:none;padding:0;margin:0 0 20px;display:grid;gap:6px;grid-template-columns:repeat(auto-fill,minmax(240px,1fr))}.site-footer__legal,.site-footer__links{max-width:var(--maxw);margin:0 auto}.site-footer__links ul{list-style:none;padding:0;margin:0 0 10px;display:flex;flex-wrap:wrap;gap:8px 18px}.site-footer__heading{font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--text);margin:0 0 6px}.page h1{font-size:clamp(26px,4.4vw,36px);line-height:1.2;margin:0 0 14px;letter-spacing:-.02em}.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px}.lead{font-size:17px;color:#2b3138}.vtabs{margin:0 0 18px}.vtabs__label{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:7px}.vtabs__list{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}.vtabs__list a{display:block;padding:7px 13px;border-radius:999px;font-size:14px;border:1px solid var(--border);background:#fff;color:var(--muted);white-space:nowrap}.vtabs__list a:hover{border-color:var(--accent);color:var(--accent);text-decoration:none}.vtabs__list a[aria-current=page]{background:var(--accent);border-color:var(--accent);color:#fff;font-weight:600}.calc{margin:26px 0 32px}.calc__panel{display:grid;grid-template-columns:1fr;gap:20px;border:1px solid var(--border);border-radius:var(--radius);padding:20px;background:var(--surface)}@media(min-width:720px){.calc__panel{grid-template-columns:1fr 1fr;gap:28px;padding:24px}}.calc__inputs{display:grid;gap:14px;align-content:start}.field__label{display:block;font-size:14px;font-weight:600;margin-bottom:5px}.field__control{display:flex;align-items:center;gap:6px;background:#fff;border:1px solid var(--border);border-radius:8px;padding:0 10px;transition:border-color .12s,box-shadow .12s}.field__control:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}.field__affix{font-size:14px;color:var(--muted);white-space:nowrap}.field__input{flex:1;min-width:0;border:0;outline:0;background:transparent;padding:10px 0;font-size:16px;font-family:inherit;color:var(--text);-moz-appearance:textfield;appearance:textfield}.field__input::-webkit-outer-spin-button,.field__input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}.field__input--select{cursor:pointer}.field__help{margin:5px 0 0;font-size:13px;color:var(--muted)}.calc__actions{display:flex;gap:10px;margin-top:4px;flex-wrap:wrap}.btn{font:inherit;font-size:13px;cursor:pointer;border-radius:7px;padding:7px 12px;border:1px solid var(--border);background:#fff;color:var(--text)}.btn:hover{border-color:var(--accent);color:var(--accent)}.calc__results{align-content:start}.calc__resultsTitle{font-size:15px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin:0 0 10px}.results{margin:0;display:grid;gap:2px}.results__row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:9px 0;border-bottom:1px dashed var(--border)}.results__row:last-child{border-bottom:0}.results__row--highlight{background:var(--accent-soft);border-radius:8px;padding:12px 14px;margin-top:8px;border-bottom:0}.results__label{font-size:14px;color:var(--muted);display:flex;flex-direction:column}.results__row--highlight .results__label{color:var(--text);font-weight:600}.results__hint{font-size:12px;color:var(--muted);font-weight:400}.results__value{margin:0;font-size:17px;font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}.results__row--highlight .results__value{font-size:24px;color:var(--accent)}.calc__error{color:#b3261e;font-size:14px;margin:10px 0 0}.calc__privacy{font-size:12px;color:var(--muted);margin:14px 0 0}.formula,.faq,.related,.prose,.cat{margin-top:40px}h2{font-size:22px;margin:0 0 12px;letter-spacing:-.01em}h3{font-size:17px;margin:22px 0 8px}.formula__notation{background:var(--surface);border-left:3px solid var(--accent);padding:12px 14px;border-radius:0 8px 8px 0;overflow-x:auto}.formula__notation code,.formula__table code{font-size:15px}.formula__tableWrap{overflow-x:auto}.formula__table{border-collapse:collapse;width:100%;font-size:14px;min-width:420px}.formula__table th,.formula__table td{text-align:left;padding:8px 10px;border-bottom:1px solid var(--border)}.formula__table th{color:var(--muted);font-weight:600}.formula__list,.formula__steps{padding-left:22px}.formula__list li,.formula__steps li{margin-bottom:6px}.formula__steps li{font-variant-numeric:tabular-nums}.formula__result{background:var(--surface);padding:12px 14px;border-radius:8px}.formula__exampleIntro{color:var(--muted);font-size:14px}.faq__item{border-bottom:1px solid var(--border);padding:12px 0}.faq__item summary{cursor:pointer;font-weight:600;font-size:16px}.faq__item p{margin:10px 0 0;color:#2b3138}.related__title{font-size:18px}.related__list{list-style:none;padding:0;margin:0;display:grid;gap:8px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}.related__list a{display:block;padding:10px 12px;border:1px solid var(--border);border-radius:8px;font-size:14px}.related__list a:hover{background:var(--accent-soft);text-decoration:none}.cat__list{list-style:none;padding:0;margin:0;display:grid;gap:14px}.cat__list li{border:1px solid var(--border);border-radius:var(--radius);padding:14px 16px}.cat__list a{font-weight:600;font-size:16px}.cat__list p{margin:6px 0 0;font-size:14px;color:var(--muted)}.disclaimer{background:#fff8e6;border:1px solid #f0d69a;border-radius:8px;padding:12px 14px;font-size:14px;color:#6b4e00}.prose p{color:#2b3138}.prose__list{padding-left:22px}.prose__list li{margin-bottom:7px;color:#2b3138}.prose strong{color:var(--text)}.ad-slot{margin:30px 0;min-height:calc(var(--ad-h-mobile, 100px) + 24px)}@media(min-width:720px){.ad-slot{min-height:calc(var(--ad-h-desktop, 90px) + 24px)}}.ad-slot__label{font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:0 0 6px}.ad-slot--inArticle{margin:34px 0}.ad-slot__box{display:flex;align-items:center;justify-content:center;height:var(--ad-h-mobile, 100px);border:1px dashed #c7ccd2;border-radius:6px;color:var(--muted);font-size:13px}@media(min-width:720px){.ad-slot__box{height:var(--ad-h-desktop, 90px)}}@media print{.ad-slot{display:none}}.to-top{position:fixed;right:22px;top:70%;z-index:60;display:inline-flex;align-items:center;gap:6px;padding:10px 14px;border:1px solid var(--border);border-radius:999px;background:var(--bg);color:var(--muted);font:inherit;font-size:14px;cursor:pointer;box-shadow:0 2px 8px #16191d1f;opacity:0;pointer-events:none;transform:translateY(calc(-50% + 6px));transition:opacity .18s ease,transform .18s ease}.to-top.is-visible{opacity:1;pointer-events:auto;transform:translateY(-50%)}.to-top:hover{color:var(--text);border-color:var(--accent);text-decoration:none}.to-top:focus-visible{outline:2px solid var(--accent);outline-offset:2px}.to-top__label{font-weight:600}@media(prefers-reduced-motion:reduce){.to-top{transition:none}}@media(max-width:1200px){.to-top{top:auto;bottom:20px;transform:translateY(6px)}.to-top.is-visible{transform:translateY(0)}}@media(max-width:600px){.to-top{right:14px;bottom:14px;padding:10px;transform:translateY(6px)}.to-top.is-visible{transform:translateY(0)}.to-top__label{display:none}.site-header{padding:10px 16px;gap:12px}.site-header__brand{font-size:16px;gap:8px}.brand__mark{width:24px;height:24px}.site-header__nav{gap:14px;font-size:13px}}.support{margin:28px 0 0;padding:18px 20px;border:1px solid var(--border);border-radius:var(--radius);background:var(--surface)}.support__title{margin:0 0 6px;font-size:16px;font-weight:600;color:var(--text);display:flex;align-items:center;gap:8px}.support__icon{font-size:18px;line-height:1}.support__text{margin:0 0 12px;font-size:14.5px;color:var(--muted)}.support__btn{display:inline-block;padding:9px 16px;border-radius:999px;background:var(--accent);color:#fff;font-size:14px;font-weight:600}.support__btn:hover{text-decoration:none;opacity:.9}.site-footer__support{max-width:var(--maxw);margin:0 auto 8px}.site-footer__support a{margin-left:6px}@media(max-width:600px){.support{padding:15px 16px}.support__text{font-size:14px}}.site-main>:not(.home-page):not(.tool-page){max-width:820px;margin-left:auto;margin-right:auto}.tool-page>:not(.calc):not(.vtabs){max-width:820px;margin-left:auto;margin-right:auto}.site-header__nav{align-items:center;flex-wrap:wrap}.site-header__nav [aria-current],.guide-menu .is-active{color:var(--accent);font-weight:700}.guide-menu{position:relative}.guide-menu summary{cursor:pointer}.guide-menu ul{position:absolute;right:0;width:min(300px,85vw);padding:16px;margin:8px 0 0;background:#fff;border:1px solid var(--border);border-radius:8px;list-style:none;box-shadow:0 8px 24px #16191d14}.guide-menu li+li{margin-top:12px}.featured-tools{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:28px 0;scroll-margin-top:120px}.tool-card{padding:24px;border:1px solid var(--border);border-radius:var(--radius);background:var(--accent-soft);color:var(--text)}.tool-card h2{font-size:21px}.tool-card p{color:var(--muted);font-size:15px}.tool-card span{color:var(--accent);font-weight:600}.payment-breakdown,.pmi-timeline{border-top:1px solid var(--border);margin-top:24px}.payment-part{margin-bottom:12px}.payment-part__label{display:flex;justify-content:space-between;gap:12px;font-size:14px}.payment-part__track{height:7px;background:var(--border);border-radius:6px;margin-top:5px;overflow:hidden}.payment-part__track span{display:block;height:100%;background:var(--accent)}.payment-part:last-child .payment-part__track span{background:#b86a00}.calc__panel>*,.field__control{min-width:0}@media(max-width:719px){.featured-tools{grid-template-columns:1fr}.site-header{flex-wrap:wrap;gap:8px;padding:10px 16px}.site-header__nav{width:100%;justify-content:space-between;gap:10px;font-size:13px}.guide-menu ul{right:auto;left:50%;transform:translate(-50%)}.results__row{flex-wrap:wrap;gap:4px 12px}.results__value{max-width:100%;overflow-wrap:anywhere;white-space:normal}.related__list{grid-template-columns:minmax(0,1fr)}}