.page-hero-dark{background:linear-gradient(135deg, #003580 0%, #001f3f 100%);color:white;padding:100px 0;position:relative;overflow:hidden;text-align:center;}.page-hero-dark h1{color:white !important; font-size:3rem; font-weight:800; margin-bottom:20px;}.page-hero-dark p{color:white; font-size:1.2rem; opacity:0.9; max-width:800px; margin:0 auto;}.tool-grid{display:grid;grid-template-columns:repeat(auto-fit, minmax(320px, 1fr));gap:30px;margin-top:-60px;position:relative;z-index:10;}.tool-card{background:white;padding:40px;border-radius:20px;box-shadow:0 10px 30px rgba(0,0,0,0.05);border:1px solid var(--border);transition:all 0.3s ease;text-decoration:none;color:inherit;display:flex;flex-direction:column;}.tool-card:hover{transform:translateY(-10px);box-shadow:0 20px 40px rgba(0,0,0,0.1);border-color:var(--primary);}.tool-icon{width:60px;height:60px;border-radius:15px;display:flex;align-items:center;justify-content:center;margin-bottom:25px;font-size:1.8rem;}.tool-card h3{margin-bottom:15px; font-size:1.4rem; font-weight:800; color:var(--dark);}.tool-card p{color:var(--muted); font-size:0.95rem; line-height:1.6; flex-grow:1; margin-bottom:25px;}.tool-btn{display:inline-flex;align-items:center;gap:10px;font-weight:700;color:var(--primary);}:root{--calc-primary:#10b981;--calc-dark:#064e3b;--calc-bg:#ecfdf5;}.calc-hero{background:linear-gradient(135deg, var(--calc-dark) 0%, #047857 100%);padding:80px 0 60px;color:white;text-align:center;}.calc-hero h1{font-size:2.8rem; font-weight:800; margin-bottom:15px; color:white !important;}.calc-hero p{font-size:1.15rem; opacity:0.9; max-width:700px; margin:0 auto; line-height:1.6;}.calc-container{max-width:900px;margin:-40px auto 60px;position:relative;z-index:10;display:grid;grid-template-columns:1fr 1fr;gap:30px;}.calc-panel{background:white;border-radius:20px;padding:35px;box-shadow:0 20px 40px rgba(0,0,0,0.08);border:1px solid var(--border);}.form-group{margin-bottom:25px;}.form-label{display:block; font-weight:700; margin-bottom:10px; color:var(--dark);}.form-control{width:100%; padding:12px 15px; border:2px solid #e2e8f0; border-radius:10px; font-size:1rem; transition:all 0.2s;}.form-control:focus{border-color:var(--calc-primary); outline:none;}.form-select{width:100%; padding:12px 15px; border:2px solid #e2e8f0; border-radius:10px; font-size:1rem; background:white;}.btn-calc{width:100%;padding:15px;background:var(--calc-primary);color:white;border:none;border-radius:10px;font-size:1.1rem;font-weight:800;cursor:pointer;transition:all 0.2s;}.btn-calc:hover{background:#059669;}.result-box{background:var(--calc-bg);border:1px solid #a7f3d0;border-radius:16px;padding:25px;text-align:center;margin-bottom:20px;}.result-value{font-size:2.5rem; font-weight:900; color:var(--calc-dark); line-height:1; margin:10px 0;}.result-label{font-size:0.9rem; color:#047857; font-weight:700; text-transform:uppercase; letter-spacing:1px;}.breakdown-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid #e2e8f0;font-size:0.95rem;}.breakdown-row:last-child{border-bottom:none;}.alert-box{padding:15px;border-radius:8px;margin-top:20px;font-size:0.9rem;line-height:1.5;display:none;}.alert-error{background:#fef2f2; border-left:4px solid #ef4444; color:#991b1b;}.alert-warning{background:#fffbeb; border-left:4px solid #f59e0b; color:#92400e;}@media (max-width:768px){.calc-container{grid-template-columns:1fr;}}.page-hero-dark{background:linear-gradient(135deg, #003580 0%, #001f3f 100%);color:white;padding:100px 0;position:relative;overflow:hidden;text-align:center;}.page-hero-dark h1{color:white !important; font-size:3rem; font-weight:800; margin-bottom:20px;}.page-hero-dark p{color:white; font-size:1.2rem; opacity:0.9; max-width:800px; margin:0 auto;}.calc-card{background:white;border-radius:20px;padding:40px;box-shadow:0 20px 40px rgba(0,0,0,0.05);border:1px solid var(--border);margin-top:-80px;position:relative;z-index:10;}.input-group{margin-bottom:25px;}.input-group label{display:block; margin-bottom:10px; font-weight:700; color:var(--dark); font-size:0.95rem;}.input-group input{width:100%; padding:15px; border:2px solid #edf2f7; border-radius:12px; font-size:1.1rem; transition:all 0.3s;background:#f8fafc;}.input-group input:focus{border-color:var(--primary); outline:none; background:white; box-shadow:0 0 0 4px rgba(0,53,128,0.1);}.result-card{background:#f0f7ff;border-radius:15px;padding:30px;margin-top:30px;border:1px solid #d0e3ff;}.result-main{text-align:center;margin-bottom:30px;}.result-grid{display:grid;grid-template-columns:repeat(auto-fit, minmax(200px, 1fr));gap:20px;}.result-item{background:white;padding:20px;border-radius:12px;border:1px solid rgba(0,53,128,0.05);text-align:center;}.result-item .label{font-size:0.8rem; color:#666; text-transform:uppercase; letter-spacing:1px; margin-bottom:8px;}.result-item .value{font-size:1.25rem; font-weight:800; color:var(--primary);}.amort-section{margin-top:50px;}.amort-table{width:100%; border-collapse:collapse; margin-top:20px; font-size:0.9rem;}.amort-table th{background:#f8fafc; padding:15px; text-align:left; border-bottom:2px solid #edf2f7; color:var(--dark);}.amort-table td{padding:15px; border-bottom:1px solid #edf2f7; color:var(--muted);}.guide-section{padding:80px 0;}.guide-content h2{margin-bottom:25px; font-size:2rem;}.guide-content p{line-height:1.8; color:var(--muted); margin-bottom:20px; font-size:1.05rem;}.page-hero-dark{background:linear-gradient(135deg, #003580 0%, #001f3f 100%);color:white;padding:100px 0;position:relative;overflow:hidden;text-align:center;}.page-hero-dark h1{color:white !important; font-size:3rem; font-weight:800; margin-bottom:20px;}.page-hero-dark p{color:white; font-size:1.2rem; opacity:0.9; max-width:800px; margin:0 auto;}.calc-card{background:white;border-radius:20px;padding:40px;box-shadow:0 20px 40px rgba(0,0,0,0.05);border:1px solid var(--border);margin-top:-80px;position:relative;z-index:10;}.input-group{margin-bottom:25px;}.input-group label{display:block; margin-bottom:10px; font-weight:700; color:var(--dark); font-size:0.95rem;}.input-group input{width:100%; padding:15px; border:2px solid #edf2f7; border-radius:12px; font-size:1.1rem; transition:all 0.3s;background:#f8fafc;}.input-group input:focus{border-color:var(--primary); outline:none; background:white; box-shadow:0 0 0 4px rgba(0,53,128,0.1);}.result-card{background:#f0f7ff;border-radius:15px;padding:30px;margin-top:30px;border:1px solid #d0e3ff;}.guide-section{padding:80px 0;}.guide-content h2{margin-bottom:25px; font-size:2rem;}.guide-content p{line-height:1.8; color:var(--muted); margin-bottom:20px; font-size:1.05rem;}.info-item{padding:25px;background:#fff;border-radius:15px;border:1px solid var(--border);margin-bottom:20px;}.page-hero-dark{background:linear-gradient(135deg, #003580 0%, #001f3f 100%);color:white;padding:100px 0;position:relative;overflow:hidden;text-align:center;}.page-hero-dark h1{color:white !important; font-size:3rem; font-weight:800; margin-bottom:20px;}.page-hero-dark p{color:white; font-size:1.2rem; opacity:0.9; max-width:800px; margin:0 auto;}.calc-card{background:white;border-radius:20px;padding:40px;box-shadow:0 20px 40px rgba(0,0,0,0.05);border:1px solid var(--border);margin-top:-80px;position:relative;z-index:10;}.input-group{margin-bottom:25px;}.input-group label{display:block; margin-bottom:10px; font-weight:700; color:var(--dark); font-size:0.95rem;}.input-group input{width:100%; padding:15px; border:2px solid #edf2f7; border-radius:12px; font-size:1.1rem; transition:all 0.3s;background:#f8fafc;}.input-group input:focus{border-color:var(--primary); outline:none; background:white; box-shadow:0 0 0 4px rgba(0,53,128,0.1);}.result-card{background:#f0f7ff;border-radius:15px;padding:30px;margin-top:30px;border:1px solid #d0e3ff;}.guide-section{padding:80px 0;}.guide-content h2{margin-bottom:25px; font-size:2rem;}.guide-content p{line-height:1.8; color:var(--muted); margin-bottom:20px; font-size:1.05rem;}.info-item{padding:25px;background:#fff;border-radius:15px;border:1px solid var(--border);margin-bottom:20px;}.page-hero-dark{background:linear-gradient(135deg, #003580 0%, #001f3f 100%);color:white;padding:100px 0;position:relative;overflow:hidden;text-align:center;}.page-hero-dark h1{color:white !important; font-size:3rem; font-weight:800; margin-bottom:20px;}.page-hero-dark p{color:white; font-size:1.2rem; opacity:0.9; max-width:800px; margin:0 auto;}.calc-card{background:white;border-radius:20px;padding:40px;box-shadow:0 20px 40px rgba(0,0,0,0.05);border:1px solid var(--border);margin-top:-80px;position:relative;z-index:10;}.input-group{margin-bottom:25px;}.input-group label{display:block; margin-bottom:10px; font-weight:700; color:var(--dark); font-size:0.95rem;}.input-group input{width:100%; padding:15px; border:2px solid #edf2f7; border-radius:12px; font-size:1.1rem; transition:all 0.3s;background:#f8fafc;}.input-group input:focus{border-color:var(--primary); outline:none; background:white; box-shadow:0 0 0 4px rgba(0,53,128,0.1);}.result-card{background:#f0f7ff;border-radius:15px;padding:30px;margin-top:30px;border:1px solid #d0e3ff;}.result-grid{display:grid;grid-template-columns:repeat(auto-fit, minmax(180px, 1fr));gap:20px;text-align:center;}.guide-section{padding:80px 0;}.guide-content h2{margin-bottom:25px; font-size:2rem;}.guide-content p{line-height:1.8; color:var(--muted); margin-bottom:20px; font-size:1.05rem;}.info-grid{display:grid;grid-template-columns:repeat(auto-fit, minmax(250px, 1fr));gap:30px;margin:40px 0;}.info-item{padding:25px;background:#fff;border-radius:15px;border:1px solid var(--border);}.info-item h4{color:var(--primary); margin-bottom:12px;}.calculator-container{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:start;}@media (max-width:992px){.calculator-container{grid-template-columns:1fr !important;gap:30px !important;}}.page-hero-dark{background:linear-gradient(135deg, #003580 0%, #001f3f 100%);color:white;padding:100px 0;position:relative;overflow:hidden;text-align:center;}.page-hero-dark h1{color:white !important; font-size:3rem; font-weight:800; margin-bottom:20px;}.page-hero-dark p{color:white; font-size:1.2rem; opacity:0.9; max-width:800px; margin:0 auto;}.calc-card{background:white;border-radius:20px;padding:40px;box-shadow:0 20px 40px rgba(0,0,0,0.05);border:1px solid var(--border);margin-top:-80px;position:relative;z-index:10;}.input-group{margin-bottom:25px;}.input-group label{display:block; margin-bottom:10px; font-weight:700; color:var(--dark); font-size:0.95rem;}.input-group input, .input-group select{width:100%; padding:15px; border:2px solid #edf2f7; border-radius:12px; font-size:1.1rem; transition:all 0.3s;background:#f8fafc;}.input-group input:focus{border-color:var(--primary); outline:none; background:white; box-shadow:0 0 0 4px rgba(0,53,128,0.1);}.result-card{background:#f0f7ff;border-radius:15px;padding:30px;margin-top:30px;border:1px solid #d0e3ff;}.result-grid{display:grid;grid-template-columns:repeat(auto-fit, minmax(180px, 1fr));gap:20px;margin-bottom:25px;}.result-item{background:white;padding:20px;border-radius:12px;border:1px solid rgba(0,53,128,0.05);}.result-item .label{font-size:0.8rem; color:#666; text-transform:uppercase; letter-spacing:1px; margin-bottom:8px;}.result-item .value{font-size:1.25rem; font-weight:800; color:var(--primary);}.takehome-box{background:var(--primary);color:white;padding:30px;border-radius:15px;text-align:center;}.guide-section{padding:80px 0;}.guide-content h2{margin-bottom:25px; font-size:2rem;}.guide-content p{line-height:1.8; color:var(--muted); margin-bottom:20px; font-size:1.05rem;}:root{--calc-primary:#8b5cf6;--calc-dark:#4c1d95;--calc-bg:#f5f3ff;}.calc-hero{background:linear-gradient(135deg, var(--calc-dark) 0%, #6d28d9 100%);padding:80px 0 60px;color:white;text-align:center;}.calc-hero h1{font-size:2.8rem; font-weight:800; margin-bottom:15px; color:white !important;}.calc-hero p{font-size:1.15rem; opacity:0.9; max-width:700px; margin:0 auto; line-height:1.6;}.calc-container{max-width:900px;margin:-40px auto 60px;position:relative;z-index:10;display:grid;grid-template-columns:1fr 1fr;gap:30px;}.calc-panel{background:white;border-radius:20px;padding:35px;box-shadow:0 20px 40px rgba(0,0,0,0.08);border:1px solid var(--border);}.form-group{margin-bottom:25px;}.form-label{display:block; font-weight:700; margin-bottom:10px; color:var(--dark); font-size:0.95rem;}.form-control{width:100%; padding:12px 15px; border:2px solid #e2e8f0; border-radius:10px; font-size:1rem; transition:all 0.2s;}.form-control:focus{border-color:var(--calc-primary); outline:none;}.btn-calc{width:100%;padding:15px;background:var(--calc-primary);color:white;border:none;border-radius:10px;font-size:1.1rem;font-weight:800;cursor:pointer;transition:all 0.2s;}.btn-calc:hover{background:#7c3aed;}.result-box{background:var(--calc-bg);border:1px solid #ddd6fe;border-radius:16px;padding:25px;text-align:center;margin-bottom:20px;}.result-value{font-size:2.5rem; font-weight:900; color:var(--calc-dark); line-height:1; margin:10px 0;}.result-label{font-size:0.9rem; color:#6d28d9; font-weight:700; text-transform:uppercase; letter-spacing:1px;}.breakdown-row{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid #e2e8f0;font-size:0.95rem;}.breakdown-row:last-child{border-bottom:none;}.alert-box{padding:15px;border-radius:8px;margin-top:20px;font-size:0.9rem;line-height:1.5;display:none;}.alert-error{background:#fef2f2; border-left:4px solid #ef4444; color:#991b1b;}.alert-success{background:#f0fdf4; border-left:4px solid #10b981; color:#065f46;}@media (max-width:768px){.calc-container{grid-template-columns:1fr;}}:root{--wc-primary:#0284c7;--wc-dark:#075985;--wc-bg:#f0f9ff;--wc-legacy:#64748b;--wc-new:#059669;}.wc-hero{background:linear-gradient(135deg, var(--wc-dark) 0%, #0c4a6e 100%);padding:80px 0 60px;color:white;text-align:center;}.wc-hero h1{font-size:2.8rem; font-weight:800; margin-bottom:15px; color:white !important;}.wc-hero p{font-size:1.15rem; opacity:0.9; max-width:700px; margin:0 auto; line-height:1.6;}.wc-container{max-width:900px;margin:-40px auto 60px;position:relative;z-index:10;display:grid;grid-template-columns:1fr;gap:30px;}.wc-panel{background:white;border-radius:20px;padding:35px;box-shadow:0 20px 40px rgba(0,0,0,0.08);border:1px solid var(--border);}.form-group{margin-bottom:25px;}.form-label{display:block; font-weight:700; margin-bottom:10px; color:var(--dark); font-size:1.05rem;}.form-control{width:100%; max-width:400px; padding:15px; border:2px solid #e2e8f0; border-radius:12px; font-size:1.1rem; transition:all 0.2s;}.form-control:focus{border-color:var(--wc-primary); outline:none;}.comparison-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:30px;}.comp-card{background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:25px;position:relative;overflow:hidden;}.comp-card.proposed{background:#f0fdf4;border-color:#a7f3d0;}.comp-badge{position:absolute;top:0;right:0;background:#e2e8f0;color:#475569;font-size:0.75rem;font-weight:800;padding:5px 12px;border-bottom-left-radius:10px;text-transform:uppercase;}.comp-card.proposed .comp-badge{background:#10b981;color:white;}.comp-title{font-size:1.2rem; font-weight:800; color:var(--dark); margin-bottom:20px; padding-bottom:10px; border-bottom:2px solid #e2e8f0;}.comp-card.proposed .comp-title{border-color:#a7f3d0; color:#065f46;}.comp-row{display:flex; justify-content:space-between; padding:12px 0; font-size:0.95rem; border-bottom:1px dashed #cbd5e1;}.comp-row:last-child{border-bottom:none;}.comp-val{font-weight:800; color:var(--dark);}.comp-val.eps{color:#d97706;}.comp-val.epf{color:#0284c7;}.impact-box{margin-top:30px;background:var(--wc-bg);border:1px solid #bae6fd;border-radius:12px;padding:20px;display:flex;align-items:center;gap:15px;}@media (max-width:768px){.comparison-grid{grid-template-columns:1fr;}}