:root{--bg:#ffffff;--text:#1b1b1b;--muted:#6b6b6b;--line:#ececec;--accent:#b7904a;--accent-2:#ff7a1a;--card:#fafafa;--shadow: 0 8px 22px rgba(0,0,0,.06);--radius: 16px;--tap: 52px;--danger:#c81e1e;--ok:#1f7a3a;--max: 1160px;--chart-base: rgba(120,120,120,.95);--chart-mod: var(--accent-2);--chart-grid: rgba(0,0,0,.08);--chart-bg: #ffffff}*{box-sizing:border-box}html,body{height:100%}body{margin:0;background:var(--bg);color:var(--text);font-family:Futura PT,Century Gothic,Futura,Trebuchet MS,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}a{color:inherit}button,input,select,textarea{font:inherit}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}.wrap{max-width:var(--max);margin:0 auto;padding:0 16px 64px}.site-header{position:sticky;top:16px;z-index:50;width:min(1240px,calc(100% - 28px));margin:16px auto 18px;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:14px 18px;border:1px solid rgba(167,136,82,.14);border-radius:999px;background:#fffcf770;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);box-shadow:0 16px 30px #3528130f}.brand{display:inline-flex;align-items:center;min-width:0;text-decoration:none}.brand-mark{display:inline-flex;align-items:center;line-height:0}.brand-logo{width:min(238px,32vw);height:auto;display:block}html[data-theme=dark] .brand-mark{background:#f4ecda;padding:5px 9px;border-radius:11px;box-shadow:0 1px 2px #00000059,inset 0 0 0 1px #0000000f}.header-meta{display:flex;align-items:center;gap:10px;flex:0 0 auto}.lang-switcher{display:inline-flex;align-items:center;gap:6px;padding:6px;border:1px solid rgba(167,136,82,.16);border-radius:999px;background:#ffffff85;backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px)}.lang-option{appearance:none;border:1px solid #d9ccb0;min-width:38px;min-height:38px;padding:0 10px;border-radius:999px;background:#fff;color:#444;font:inherit;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;white-space:nowrap;cursor:pointer;transition:background .18s ease,color .18s ease,transform .18s ease,box-shadow .18s ease}.lang-option.is-active,.lang-option[aria-pressed=true]{border-color:var(--accent);background:linear-gradient(180deg,#fffffff5,#f7f0e6f0);color:#32260e;box-shadow:inset 0 1px #ffffffd6,0 6px 14px #3528130f}.lang-option:hover{color:var(--accent);transform:translateY(-1px)}.lang-option:focus-visible{outline:2px solid rgba(255,122,26,.34);outline-offset:2px}.themeToggle{width:52px;min-width:52px;height:52px;border-radius:999px;border:1px solid rgba(167,136,82,.16);background:#fff;display:grid;place-items:center;cursor:pointer;box-shadow:0 6px 14px #3528130d;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}.themeToggle:hover{border-color:#ff7a1a57;box-shadow:0 8px 18px #35281314}.themeToggle:active{transform:scale(.98)}#themeIcon{font-size:16px;line-height:1}.header-nav{display:flex;align-items:center;gap:6px;opacity:0;visibility:hidden;pointer-events:none}.site-header.nav-open .header-nav{opacity:1;visibility:visible;pointer-events:auto}.hnav-item{display:flex;align-items:center;gap:10px;padding:8px 10px;border-radius:12px;text-decoration:none;color:var(--text);transition:background .16s ease,color .16s ease,transform .16s ease}.hnav-item:hover{color:var(--accent)}.hnav-item.is-current{color:var(--accent-2)}.hnav-ico{display:inline-flex;flex:0 0 auto;color:var(--accent)}.hnav-ico svg{width:20px;height:20px;display:block}.hnav-text{display:flex;flex-direction:column;line-height:1.12;min-width:0}.hnav-label{font-weight:900;font-size:.92rem;letter-spacing:.2px;white-space:nowrap}.hnav-label--mobile{display:none}.hnav-desc{font-size:.72rem;font-weight:700;color:var(--muted);white-space:nowrap}.hnav-close{display:none}.hnav-burger{display:none;appearance:none;border:1px solid rgba(167,136,82,.16);background:#fff;width:52px;min-width:52px;height:52px;border-radius:999px;place-items:center;cursor:pointer;box-shadow:0 6px 14px #3528130d;transition:border-color .18s ease,box-shadow .18s ease,transform .16s ease}.hnav-burger:hover{border-color:#ff7a1a57;box-shadow:0 8px 18px #35281314}.hnav-burger:active{transform:scale(.96)}.hnav-burger-box{position:relative;width:20px;height:14px}.hnav-burger-bar{position:absolute;left:0;right:0;height:2px;border-radius:2px;background:var(--text);transition:transform .22s ease,opacity .14s ease,top .22s ease}.hnav-burger-bar:nth-child(1){top:0}.hnav-burger-bar:nth-child(2){top:6px}.hnav-burger-bar:nth-child(3){top:12px}.site-header.nav-open .hnav-burger-bar:nth-child(1){top:6px;transform:rotate(45deg)}.site-header.nav-open .hnav-burger-bar:nth-child(2){opacity:0}.site-header.nav-open .hnav-burger-bar:nth-child(3){top:6px;transform:rotate(-45deg)}@media(min-width:761px){.header-nav{position:absolute;top:calc(100% + 10px);right:0;z-index:60;flex-direction:column;align-items:stretch;gap:4px;min-width:264px;padding:10px;border:1px solid var(--line);border-radius:18px;background:#fffcf7e6;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);box-shadow:0 24px 50px #35281329;transform:translateY(-8px) scale(.98);transform-origin:top right;transition:opacity .2s ease,transform .2s ease,visibility 0s linear .2s}.site-header.nav-open .header-nav{transform:translateY(0) scale(1);transition:opacity .22s ease,transform .24s cubic-bezier(.2,.7,.2,1),visibility 0s}.hnav-burger{display:grid}.hnav-item{padding:11px 12px}.hnav-item:hover{background:#ff7a1a1a;transform:translate(2px)}.site-header.nav-open .hnav-item{animation:hnavRise .34s ease both}.site-header.nav-open .hnav-item:nth-child(2){animation-delay:55ms}.site-header.nav-open .hnav-item:nth-child(3){animation-delay:.11s}@keyframes hnavRise{0%{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}}@media(max-width:760px){.header-nav{position:absolute;inset:0 14px 0 58px;z-index:55;display:flex;align-items:center;justify-content:center;gap:26px;transform:translate(-8px);transition:opacity .22s ease,transform .28s cubic-bezier(.2,.7,.2,1),visibility 0s linear .28s}.site-header.nav-open .header-nav{transform:translate(0);transition:opacity .24s ease,transform .32s cubic-bezier(.2,.7,.2,1),visibility 0s}.hnav-ico,.hnav-desc,.hnav-close,.hnav-item--form{display:none}.hnav-item{padding:6px 0;flex:0 1 auto}.hnav-item:hover{background:none;transform:none}.hnav-label{font-size:clamp(.74rem,3.6vw,.86rem);font-weight:800;letter-spacing:.2px;white-space:nowrap}.hnav-label--desktop{display:none}.hnav-label--mobile{display:inline}.site-header.nav-open .hnav-item{animation:hnavSlide .36s cubic-bezier(.2,.7,.2,1) both}.site-header.nav-open .hnav-item:nth-child(2){animation-delay:70ms}.site-header.nav-open .hnav-item:nth-child(3){animation-delay:.14s}@keyframes hnavSlide{0%{opacity:0;transform:translate(-12px)}to{opacity:1;transform:none}}.header-meta{transition:opacity .2s ease,transform .24s ease}.site-header.nav-open .header-meta{opacity:0;transform:translate(28px);visibility:hidden;pointer-events:none;transition:opacity .18s ease,transform .24s ease,visibility 0s linear .24s}}@media(prefers-reduced-motion:reduce){.header-nav,.header-meta,.hnav-item,.hnav-burger-bar{transition-duration:0s!important;animation:none!important}}details.charts{margin-top:14px}.chart-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-top:2px}.charts>summary{flex-wrap:nowrap;align-items:baseline;gap:10px}.charts>summary .charts-head{display:flex;align-items:baseline;gap:7px;min-width:0;flex:1 1 auto}.charts>summary .accent-title{font-size:1rem;white-space:nowrap}.charts-expand{font-size:.72rem;font-weight:700;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.charts[open]>summary .charts-expand{display:none}.charts>summary .meta{flex:0 0 auto;white-space:nowrap}.chartBox{position:relative;width:100%;height:260px;border:1px solid var(--line);border-radius:16px;background:var(--chart-bg);overflow:hidden}.chartBox canvas{width:100%;height:100%;display:block}.chartTooltip{position:absolute;pointer-events:none;left:12px;top:12px;padding:10px;border-radius:12px;border:1px solid var(--line);background:#ffffffeb;box-shadow:0 12px 28px #00000024;font-size:12.5px;line-height:1.35;color:#2a2a2a;display:none;max-width:260px}.chartLegend{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:10px}.legendItem{display:flex;align-items:center;gap:8px;font-size:12px;color:var(--muted);font-weight:800}.dot{width:10px;height:10px;border-radius:99px;display:inline-block}.dot.base{background:var(--chart-base)}.dot.mod{background:var(--chart-mod)}@media(min-width:920px){.chartBox{height:320px}}.hero{padding:22px 0 12px}.kicker{font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--accent);margin:0 0 10px}h1{margin:0;font-size:28px;line-height:1.15;letter-spacing:.2px}h1 .accent{color:var(--accent)}.sub{margin:10px 0 0;font-size:15px;line-height:1.45;color:#2a2a2a}.sub em{font-style:normal;color:var(--accent);font-weight:800}.micro{margin:10px 0 0;color:var(--muted);font-size:13px;line-height:1.4}.pill-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.pill{font-size:12px;color:#2a2a2a;border:1px solid var(--line);background:#fff;padding:8px 10px;border-radius:999px;user-select:none}.quick-steps{display:grid;grid-template-columns:1fr;gap:8px;margin-top:14px}.step{border:1px solid var(--line);background:#fff;border-radius:14px;padding:10px 12px;font-size:13px;line-height:1.35;color:#2a2a2a;box-shadow:0 6px 14px #00000008}.step b{display:inline-block;margin-right:6px;color:var(--accent-2);font-size:12px;letter-spacing:.4px}.intent-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px}.intent{border:1px solid var(--line);background:#fff;border-radius:16px;padding:12px;cursor:pointer;min-height:var(--tap);display:flex;flex-direction:column;gap:6px;box-shadow:0 6px 14px #00000008;align-items:center;text-align:center;justify-content:center}.intent:active{transform:scale(.995)}.intent strong{font-size:14px;letter-spacing:.2px;color:var(--text);font-weight:900}.intent span{font-size:13px;color:var(--muted);line-height:1.25}.intent.active{border-color:#ff7a1a8c;box-shadow:0 0 0 4px #ff7a1a1a}.btn{min-height:56px;border-radius:14px;border:1px solid #e6e6e6;background:#fff;color:#222;font-weight:900;letter-spacing:.6px;text-transform:uppercase;font-size:13px;cursor:pointer;padding:0 14px;display:inline-flex;align-items:center;justify-content:center;gap:10px;user-select:none}.btn.primary{border:none;background:var(--accent-2);color:#fff;box-shadow:0 10px 22px #ff7a1a40}.btn.ghost{background:#fff;border:1px solid var(--line);color:#222}.btn.small{min-height:44px;padding:0 12px;border-radius:12px;font-size:12px;letter-spacing:.4px}.btn:active{transform:scale(.99)}.btn[disabled]{opacity:.55;cursor:not-allowed;transform:none}.seg{display:flex;gap:0;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff}.seg button{min-height:48px;padding:0 14px;border:none;background:transparent;cursor:pointer;font-weight:900;letter-spacing:.6px;text-transform:uppercase;font-size:12.5px;color:var(--muted);flex:1 1 auto}.seg button.active{color:#fff;background:linear-gradient(90deg,var(--accent-2),rgba(255,122,26,.75))}.mode-switch{display:flex;gap:10px;margin-top:14px;align-items:center;flex-wrap:wrap;justify-content:center}.mode-switch .seg{flex:1 1 520px;max-width:640px}.mode-switch .btn.small{flex:1 1 220px;max-width:320px}.hero-main{min-width:0}.hero-stage-gap{margin-top:14px;min-height:22px}.hero-summary{margin-top:20px}.hero-summary .card{margin-top:0}.hero-charts{margin-top:14px}.card{margin-top:14px;border:1px solid var(--line);background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}.card-head{padding:14px 16px 12px;background:linear-gradient(180deg,#b7904a1a,#fff0);border-bottom:1px solid rgba(0,0,0,.04)}.card-head h2{margin:0;font-size:14px;letter-spacing:.2px}.card-head p{margin:6px 0 0;color:var(--muted);font-size:12.5px;line-height:1.35}.card-body{padding:12px 16px 16px}.accent-title{color:var(--accent-2);font-weight:900}label{display:block;font-size:14px;font-weight:800;margin:14px 0 8px}.hint{margin:-2px 0 8px;font-size:13px;color:var(--muted);line-height:1.35}.field-feedback{display:block;margin:6px 0 0;font-size:13px;line-height:1.35}.field-feedback.error{color:#b03333}.field-feedback.warn{color:#8a6500}input.input-error,select.input-error{border-color:#b03333!important;box-shadow:0 0 0 3px #b033331f}input.input-warn,select.input-warn{border-color:#8a6500!important;box-shadow:0 0 0 3px #8a65001a}input[type=text],input[type=email],input[type=tel],input[type=number],input[type=month],select,textarea{width:100%;padding:14px;border-radius:14px;border:1px solid #e6e6e6;background:#fff;font-size:16px;line-height:1.2;outline:none}input[type=text],input[type=email],input[type=tel],input[type=number],input[type=month],select{height:52px;min-height:52px}select{-webkit-appearance:none;appearance:none;padding-right:42px;background-image:linear-gradient(45deg,transparent 50%,currentColor 50%),linear-gradient(135deg,currentColor 50%,transparent 50%);background-position:calc(100% - 18px) 50%,calc(100% - 12px) 50%;background-size:6px 6px,6px 6px;background-repeat:no-repeat}textarea{min-height:110px;resize:vertical}input:focus,select:focus,textarea:focus{border-color:#b7904a8c;box-shadow:0 0 0 4px #b7904a1f}input[type=month]{cursor:pointer;text-align:left;overflow:hidden}input[type=month]::-webkit-date-and-time-value{text-align:left;margin:0;padding:0;font-size:15px;line-height:1.2}input[type=month]::-webkit-datetime-edit{padding:0;line-height:1.2}input[type=month]::-webkit-calendar-picker-indicator{cursor:pointer;opacity:.95}.row{display:grid;grid-template-columns:1fr;gap:12px}.pair-row{grid-template-columns:1fr}.item[data-kind=insurance] .row,.item[data-kind=rateChange] .row,.item[data-kind=refi] .row,.item[data-kind=overpayment] .row{grid-template-columns:1fr!important}.inline{display:flex;gap:10px;align-items:center}.inline>*{flex:1 1 auto}.unit{flex:0 0 110px}.chip-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}.global-reset-wrap{margin:14px 0 0}.global-reset-wrap .btn{width:100%}.events-toolbar{display:grid;grid-template-columns:1fr;gap:8px;align-items:end;margin-top:6px}.events-toolbar label{margin:0 0 6px;font-size:12px;font-weight:800;color:var(--muted)}.events-toolbar .btn{width:100%;white-space:nowrap}.events-list{overflow-anchor:none}.events-list>.item{position:relative;transition:box-shadow .28s ease}.events-list>.item:before{content:"Zdarzenie " attr(data-order);display:block;font-size:13.2px;line-height:1.2;letter-spacing:.2px;font-weight:900;color:var(--accent-2);margin-bottom:6px;text-transform:uppercase;transition:color .28s ease,transform .28s ease}.events-list>.item.reorder-changed{box-shadow:0 0 0 2px #ff7a1a29}.events-list>.item.reorder-changed:before{animation:reorderLabelFlash 3.48s ease}@keyframes reorderLabelFlash{0%{transform:translate(-5px);color:#ff7a1a94}50%{transform:translate(0);color:var(--accent-2)}to{transform:translate(0);color:var(--accent-2)}}#insurancesList,[data-refi-ins-list]{counter-reset:insuranceOrder}#insurancesList>.item[data-kind=insurance],[data-refi-ins-list]>.item[data-kind=insurance]{position:relative}#insurancesList>.item[data-kind=insurance]:before,[data-refi-ins-list]>.item[data-kind=insurance]:before{counter-increment:insuranceOrder;content:"Ubezpieczenie " counter(insuranceOrder);display:block;font-size:13.2px;line-height:1.2;letter-spacing:.2px;font-weight:900;color:var(--accent-2);margin-bottom:6px;text-transform:uppercase}.item[data-kind=insurance] .item-title{display:none}.refi-ins-title{color:var(--accent);font-size:12.5px;letter-spacing:.1px}.divider{height:1px;background:#0000000f;margin:14px 0}details.adv{border:1px solid rgba(0,0,0,.06);border-radius:16px;background:#fff;padding:10px 12px;margin-top:10px}details.adv>summary{cursor:pointer;font-weight:900;letter-spacing:.2px;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:10px;user-select:none}details.adv>summary::-webkit-details-marker{display:none}.meta{font-size:12px;color:var(--muted);font-weight:700;letter-spacing:.1px}.adv-body{margin-top:12px}.repeat-list{display:flex;flex-direction:column;gap:10px;margin-top:10px}.item{border:1px solid #e6e6e6;background:#fff;border-radius:16px;padding:12px}.item-head{display:flex;align-items:flex-start;justify-content:space-between;gap:10px}.item-title{font-weight:900;font-size:13px}.item-actions{display:flex;gap:8px}.item-actions button{min-height:38px}.mini{font-size:12px;color:var(--muted);line-height:1.35;margin-top:6px}.check{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:#2a2a2a;line-height:1.35;padding:10px;border-radius:14px;border:1px solid #e6e6e6;background:#fff;font-weight:400;margin-top:10px}.check input{margin-top:3px;transform:scale(1.2)}.breather{margin:12px 0 0;padding:12px;border-radius:14px;border:1px dashed rgba(183,144,74,.35);background:#b7904a0f;color:#2a2a2a;font-size:13px;line-height:1.4}.sticky{position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fffffffc;border-top:1px solid var(--line);backdrop-filter:blur(10px)}.sticky-inner{max-width:var(--max);margin:0 auto;padding:10px 16px;display:grid;grid-template-columns:1fr 1fr;gap:10px;align-items:center}.kpi{display:flex;flex-direction:column;gap:2px;padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}.kpi .lbl{font-size:11px;color:var(--muted);letter-spacing:.4px;text-transform:uppercase}.kpi .val{font-size:15px;font-weight:900;letter-spacing:.2px}.kpi .sub2{font-size:11.5px;color:var(--muted);margin-top:2px}.sticky-actions,.sticky-reveal{display:none}@media(max-width:919px){.sticky-actions{display:flex;gap:8px;padding:10px 16px 0}.sticky-share{flex:1 1 auto;min-height:46px}.sticky-share.is-copied{font-size:11px;letter-spacing:.2px;line-height:1.2}.sticky-collapse{flex:0 0 auto;width:46px;min-width:46px;min-height:46px;padding:0;font-size:18px;line-height:1}.sticky{display:none}html.rmk-scrolled .sticky{display:block}.sticky.is-collapsed,html.rmk-scrolled .sticky.is-collapsed{display:none}body.is-editing-field .sticky{display:none!important}html.rmk-scrolled .sticky-reveal:not([hidden]){display:inline-flex;align-items:center;gap:6px;position:fixed;right:14px;bottom:calc(14px + env(safe-area-inset-bottom));z-index:61;min-height:44px;padding:0 16px;border:none;border-radius:999px;background:var(--accent-2);color:#fff;cursor:pointer;font-weight:900;letter-spacing:.5px;text-transform:uppercase;font-size:12px;box-shadow:0 10px 22px #ff7a1a4d}}@media(max-width:919px){.sticky-inner{align-items:stretch}.sticky-inner .kpi{height:100%}.sticky-inner .kpi .lbl{font-size:10px;letter-spacing:.2px;text-transform:uppercase;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}}@media(min-width:961px){.site-header{--desktop-frame:clamp(92px, 10.5vw, 164px);width:min(1220px,calc(100% - ((var(--desktop-frame) * 2) - 44px)));top:10px;padding:10px 14px;margin-top:12px;margin-bottom:12px}.brand-logo{width:min(208px,27vw)}.lang-switcher{padding:5px}.lang-option{min-width:34px;min-height:34px;padding:0 9px;font-size:11px}.themeToggle{width:46px;min-width:46px;height:46px}}@media(max-width:760px){.site-header{top:10px;padding:12px 14px;border-radius:24px}.brand-logo{width:46px}.header-meta{gap:8px}.lang-switcher{gap:4px;padding:4px}.lang-option{min-width:32px;min-height:32px;padding:0 7px;font-size:.68rem;letter-spacing:.06em}.themeToggle{width:42px;min-width:42px;height:42px}}.compare{display:grid;grid-template-columns:1fr;gap:12px}.compare-card{border:1px solid #e6e6e6;background:#fff;border-radius:16px;padding:12px}.compare-card.highlight{border-color:#ff7a1a73;box-shadow:0 0 0 4px #ff7a1a1a}.compare-card h3{margin:0;font-size:13px;font-weight:900;letter-spacing:.2px}.dl{margin-top:10px;display:grid;grid-template-columns:1fr;gap:8px}.dl .row2{display:flex;align-items:baseline;justify-content:space-between;gap:12px}.dl dt{font-size:12px;color:var(--muted)}.dl dd{margin:0;font-size:13px;font-weight:900;text-align:right}.delta{margin-top:12px;padding:12px;border-radius:16px;border:1px dashed rgba(183,144,74,.45);background:#b7904a0f}.delta h3{margin:0;font-size:13px;font-weight:900}.delta ul{margin:10px 0 0;padding:0 0 0 18px;color:#2a2a2a;font-size:13px;line-height:1.45}.delta li{margin:6px 0}.insights{margin:0;padding:0 0 0 18px;color:#2a2a2a;font-size:13px;line-height:1.45}.insights li{margin:8px 0}.insight-jump{color:var(--accent-2);text-decoration:underline;text-underline-offset:2px;font-weight:800;cursor:pointer}.table-wrap{margin-top:12px;border:1px solid #e6e6e6;border-radius:16px;background:#fff;overflow:auto;max-height:62vh;-webkit-overflow-scrolling:touch}table{border-collapse:separate;border-spacing:0;width:100%;min-width:860px;font-size:13px}thead th{position:sticky;top:0;background:#fff;z-index:2;border-bottom:1px solid rgba(0,0,0,.06);color:var(--muted);font-weight:900;text-transform:uppercase;letter-spacing:.5px;font-size:11px;padding:12px 10px;text-align:right;white-space:nowrap}thead th:first-child,tbody td:first-child{text-align:left}tbody td{border-bottom:1px solid rgba(0,0,0,.06);padding:10px;text-align:right;white-space:nowrap}tbody tr:hover td{background:#00000003}tbody tr.event td{background:#1f7a3a0d}tbody tr.last td{border-bottom:none}.pay{font-weight:900;letter-spacing:.1px}.badge{display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;border-radius:6px;margin-right:6px;vertical-align:middle}.badge.ok{border:1px solid rgba(31,122,58,.25);background:#1f7a3a12;color:var(--ok)}.schedule-controls{display:flex;flex-direction:column;gap:10px;margin-top:10px}.filter-row{display:flex;flex-wrap:wrap;gap:8px}.filter-row .btn{min-height:44px;padding:0 12px;border-radius:12px;font-size:12px}.filter-row .btn.active{border-color:#ff7a1a8c;box-shadow:0 0 0 4px #ff7a1a1a}.tiny{font-size:12.5px;color:var(--muted);line-height:1.35;margin-top:10px}.site-footer{max-width:var(--max);margin:0 auto;padding:22px 16px 90px;color:var(--muted);display:flex;justify-content:center;flex-wrap:wrap;gap:14px;font-size:13px;font-weight:800}.site-footer a{text-decoration:none}.site-footer a:hover{color:var(--accent)}.seo-goals{margin:0;padding:0 0 0 18px;font-size:13px;line-height:1.45;color:#2a2a2a}.seo-goals li{margin:7px 0}.insights-goals-grid{display:grid;grid-template-columns:1fr;gap:14px;margin-top:14px}.faq{margin-top:12px;display:grid;gap:8px}.faq details{border:1px solid rgba(0,0,0,.08);border-radius:14px;background:#fff;padding:10px 12px}.faq summary{cursor:pointer;font-weight:800;font-size:13px;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq p{margin:8px 0 0;font-size:13px;color:var(--muted);line-height:1.4}.modal-backdrop{position:fixed;inset:0;background:#00000059;display:none;align-items:flex-end;justify-content:center;z-index:100;padding:16px}.modal-backdrop.show{display:flex}.modal{width:100%;max-width:560px;border-radius:18px;border:1px solid rgba(255,255,255,.18);background:#fff;box-shadow:0 18px 60px #00000038;overflow:hidden}.modal-head{padding:14px 16px 12px;background:linear-gradient(180deg,#b7904a1a,#fff0);border-bottom:1px solid rgba(0,0,0,.06);display:flex;justify-content:space-between;align-items:center;gap:10px}.modal-head strong{font-size:14px;letter-spacing:.2px}.modal-body{padding:12px 16px 16px;color:#2a2a2a;font-size:14px;line-height:1.5}.modal-actions{padding:0 16px 16px;display:flex;gap:10px}.modal-actions .btn{flex:1 1 auto}@media(min-width:920px){.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:18px;align-items:start}.quick-steps{grid-template-columns:repeat(3,minmax(0,1fr))}.pair-row{grid-template-columns:1fr 1fr}input[type=text],input[type=email],input[type=tel],input[type=number],input[type=month],select{height:46px;min-height:46px;font-size:15px}label{font-size:13px;margin:10px 0 6px}.card-head{padding:12px 16px 10px}.card-body{padding:10px 16px 14px}.item{padding:10px 12px}.item[data-kind=insurance] .row,.item[data-kind=rateChange] .row,.item[data-kind=refi] .row,.item[data-kind=overpayment] .row{grid-template-columns:1fr 1fr!important}.main-grid{display:grid;grid-template-columns:1fr;gap:18px;align-items:start}.main-grid>div{display:contents}.main-grid>div>section{width:100%}.mode-switch{flex-wrap:nowrap;justify-content:center}.mode-switch .seg{flex:0 1 560px;max-width:560px;min-width:0}.mode-switch .btn.small{flex:0 0 auto;min-height:48px;padding:0 14px;font-size:12px;max-width:none}.hero-main{display:flex;flex-direction:column}.hero-stage-gap{flex:1 1 auto;min-height:34px}.compare{grid-template-columns:1fr 1fr}.wrap{padding-bottom:calc(156px + env(safe-area-inset-bottom))}.sticky{position:fixed}.sticky-inner{padding:10px 16px}.hero-summary{margin-top:0}.side-sticky{position:static;top:auto}.insights-goals-grid{grid-template-columns:1fr 1fr;gap:18px}.insights-goals-grid .card{margin-top:0}.events-toolbar{grid-template-columns:repeat(4,minmax(0,1fr))}.events-toolbar .btn{width:100%}.schedule-controls .filter-row{flex-wrap:nowrap}.table-wrap{max-height:68vh}}html[data-theme=dark]{--bg:#0b0f14;--text:#f4f6f8;--muted:#b4bcc6;--line:rgba(255,255,255,.12);--card:#0f1620;--shadow: 0 12px 26px rgba(0,0,0,.45);--chart-grid: rgba(255,255,255,.1);--chart-bg:#0b111a;--chart-base: rgba(180,188,198,.85)}html[data-theme=dark] .site-header{background:#0b0f14b8;border-color:var(--line);box-shadow:0 18px 38px #00000059}html[data-theme=dark] .lang-switcher{background:#0f1620b8;border-color:var(--line)}html[data-theme=dark] .lang-option,html[data-theme=dark] .themeToggle,html[data-theme=dark] .pill,html[data-theme=dark] .intent,html[data-theme=dark] .seg,html[data-theme=dark] .btn,html[data-theme=dark] .compare-card,html[data-theme=dark] .kpi,html[data-theme=dark] details.adv,html[data-theme=dark] .item,html[data-theme=dark] .check,html[data-theme=dark] .table-wrap,html[data-theme=dark] .modal{background:#0f1620;border-color:var(--line);color:var(--text)}html[data-theme=dark] .lang-option.is-active,html[data-theme=dark] .lang-option[aria-pressed=true]{border-color:#ff7a1a8c;background:linear-gradient(180deg,#ff7a1a3d,#b7904a29);color:#fff;box-shadow:0 0 0 4px #ff7a1a1a}html[data-theme=dark] .chartTooltip{background:#0f1620eb;border-color:var(--line);color:var(--text)}html[data-theme=dark] input[type=text],html[data-theme=dark] input[type=email],html[data-theme=dark] input[type=tel],html[data-theme=dark] input[type=number],html[data-theme=dark] input[type=month],html[data-theme=dark] select,html[data-theme=dark] textarea{background:#0b111a;border-color:#ffffff29;color:var(--text)}html[data-theme=dark] input[type=month]::-webkit-calendar-picker-indicator{filter:invert(1) brightness(1.2);opacity:1}html[data-theme=dark] .sub,html[data-theme=dark] .pill,html[data-theme=dark] .check{color:var(--text)}html[data-theme=dark] .breather{color:var(--text);border-color:#ff7a1a61;background:#ff7a1a1a}html[data-theme=dark] .delta ul,html[data-theme=dark] .insights,html[data-theme=dark] .seo-goals{color:var(--text)}html[data-theme=dark] tbody tr:hover td{background:#ffffff05}html[data-theme=dark] thead th{background:#0f1620;border-bottom:1px solid var(--line)}html[data-theme=dark] tbody td{border-bottom:1px solid rgba(255,255,255,.08)}html[data-theme=dark] .sticky{background:#0b0f14eb;border-top:1px solid var(--line)}html[data-theme=dark] .header-nav{background:#0f1620f2;border-color:var(--line)}html[data-theme=dark] .hnav-burger{background:#0f1620;border-color:var(--line)}html[data-theme=dark] .hnav-burger-bar{background:#ccc}html[data-theme=dark] .hnav-item{color:#ddd}html[data-theme=dark] .hnav-item:hover{color:var(--gold-strong)}html[data-theme=dark] .hnav-desc{color:#999}html[data-theme=dark] .hnav-close{color:#ccc}html[data-theme=dark] .modal-backdrop{background:#0000008c}html[data-theme=dark] .modal-body{color:var(--text)}html[data-theme=dark] .step,html[data-theme=dark] .faq details{background:#0f1620;border-color:var(--line);color:var(--text)}html[data-theme=dark] .faq p{color:var(--muted)}html[data-theme=dark] #btnPdf.btn.primary,html[data-theme=dark] #btnResetAll.btn.primary,html[data-theme=dark] #modalOk.btn.primary{border:none;background:var(--accent-2);color:#fff;box-shadow:0 10px 22px #ff7a1a40}@media print{.site-header,.sticky,.intent-grid,.mode-switch,.schedule-controls,.modal-backdrop{display:none!important}body{background:#fff}.card{box-shadow:none}.wrap{padding-bottom:0}table{min-width:auto}thead th{position:static}details.charts{border:none!important;padding:0!important}details.charts>summary{display:none!important}details.charts .adv-body{display:block!important}#chartCanvas{print-color-adjust:exact;-webkit-print-color-adjust:exact}}
