:root{--bg-primary: #0a0f1a;--bg-secondary: #111827;--bg-tertiary: #1e293b;--text-primary: #f1f5f9;--text-secondary: #94a3b8;--text-muted: #64748b;--border: #334155;--accent: #22c55e;--accent-secondary: #10b981;--accent-gold: #f59e0b;--accent-blue: #3b82f6;--accent-purple: #8b5cf6;--accent-red: #ef4444;--card-bg: rgba(30, 41, 59, .5);--card-border: rgba(51, 65, 85, .5);--shadow: 0 4px 6px -1px rgba(0, 0, 0, .3);--shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, .4);--gradient-primary: linear-gradient(135deg, #22c55e 0%, #10b981 100%);--gradient-gold: linear-gradient(135deg, #f59e0b 0%, #d97706 100%);--spacing-xs: .25rem;--spacing-sm: .5rem;--spacing-md: 1rem;--spacing-lg: 1.5rem;--spacing-xl: 2rem;--radius-sm: .375rem;--radius-md: .5rem;--radius-lg: .75rem;--radius-xl: 1rem;--transition-fast: .15s ease;--transition-normal: .2s ease;--transition-slow: .3s ease}[data-theme=light],.light{--bg-primary: #f8fafc;--bg-secondary: #ffffff;--bg-tertiary: #f1f5f9;--text-primary: #0f172a;--text-secondary: #475569;--text-muted: #94a3b8;--border: #e2e8f0;--card-bg: rgba(255, 255, 255, .8);--card-border: rgba(226, 232, 240, .8);--shadow: 0 4px 6px -1px rgba(0, 0, 0, .1);--shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, .1)}*,*:before,*:after{margin:0;padding:0;box-sizing:border-box}html{font-size:16px;scroll-behavior:smooth}body{font-family:DM Sans,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;background:var(--bg-primary);color:var(--text-primary);line-height:1.6;min-height:100vh;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}h1,h2,h3,h4,h5,h6{font-weight:600;line-height:1.3}h1{font-size:2.25rem}h2{font-size:1.875rem}h3{font-size:1.5rem}h4{font-size:1.25rem}h5{font-size:1.125rem}h6{font-size:1rem}p{margin-bottom:var(--spacing-md)}a{color:var(--accent);text-decoration:none;transition:color 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var(--transition-fast)}.currency-selector:focus{border-color:var(--accent)}.tab-nav{display:flex;gap:var(--spacing-sm);background:var(--bg-secondary);padding:var(--spacing-sm);border-radius:var(--radius-xl);margin-bottom:var(--spacing-xl);border:1px solid var(--border)}.tab-btn{flex:1;display:flex;align-items:center;justify-content:center;gap:var(--spacing-sm);padding:var(--spacing-md) var(--spacing-lg);background:transparent;border:none;border-radius:var(--radius-lg);color:var(--text-secondary);font-size:1rem;font-weight:500;cursor:pointer;transition:all var(--transition-normal)}.tab-btn:hover{background:var(--bg-tertiary);color:var(--text-primary)}.tab-btn.active{background:var(--gradient-primary);color:#fff;box-shadow:var(--shadow)}.tab-icon{font-size:1.25rem}.section-header{text-align:center;margin-bottom:var(--spacing-xl)}.section-header h2{font-family:"Instrument Serif",Georgia,serif;font-size:2.25rem;font-weight:400;margin-bottom:var(--spacing-sm)}.section-header p{color:var(--text-secondary);font-size:1.125rem;margin-bottom:0}.presets-row{display:flex;align-items:center;gap:var(--spacing-sm);margin-bottom:var(--spacing-xl);flex-wrap:wrap;padding:var(--spacing-md);background:var(--bg-secondary);border-radius:var(--radius-lg);border:1px solid var(--border)}.preset-label{color:var(--text-secondary);font-size:.875rem;font-weight:500}.preset-btn{padding:var(--spacing-sm) var(--spacing-md);background:var(--bg-tertiary);border:1px solid var(--border);border-radius:var(--radius-md);color:var(--text-primary);font-size:.8125rem;cursor:pointer;transition:all var(--transition-normal)}.preset-btn:hover{background:var(--accent);border-color:var(--accent);color:#fff}.calculator-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:var(--spacing-xl);margin-bottom:var(--spacing-xl)}.input-panel,.results-panel{background:var(--bg-secondary);border-radius:var(--radius-xl);padding:var(--spacing-lg);border:1px solid var(--border)}.input-panel h3,.results-panel h3,.input-panel h4{font-size:1.125rem;font-weight:600;margin-bottom:var(--spacing-lg);color:var(--text-primary)}.input-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:var(--spacing-lg)}.input-group{display:flex;flex-direction:column;gap:var(--spacing-xs)}.input-label{font-size:.8125rem;font-weight:500;color:var(--text-secondary)}.input-label .required{color:var(--accent-red);margin-left:2px}.input-wrapper{display:flex;align-items:center;background:var(--bg-tertiary);border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden;transition:border-color var(--transition-fast)}.input-wrapper:focus-within{border-color:var(--accent)}.input-prefix,.input-suffix{padding:.625rem .75rem;color:var(--text-muted);font-size:.875rem;background:#0000001a}.input-field{flex:1;padding:.625rem .75rem;background:transparent;border:none;color:var(--text-primary);font-size:.9375rem;outline:none;min-width:0}.input-field::-webkit-outer-spin-button,.input-field::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}.input-help{font-size:.75rem;color:var(--text-muted)}.select-field{width:100%;padding:.625rem .75rem;background:var(--bg-tertiary);border:1px solid var(--border);border-radius:var(--radius-md);color:var(--text-primary);font-size:.9375rem;cursor:pointer;outline:none;transition:border-color var(--transition-fast)}.select-field:focus{border-color:var(--accent)}.fire-types-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:var(--spacing-md);margin-bottom:var(--spacing-lg)}.result-card{display:flex;align-items:flex-start;gap:var(--spacing-sm);padding:var(--spacing-md);background:var(--bg-tertiary);border-radius:var(--radius-lg);border:1px solid var(--border);transition:all var(--transition-normal)}.result-card:hover{border-color:var(--accent);transform:translateY(-2px)}.result-card.highlight{border-color:var(--accent);background:#22c55e1a}.result-icon{font-size:1.5rem}.result-content{flex:1}.result-title{font-size:.8125rem;font-weight:500;color:var(--text-secondary);margin-bottom:var(--spacing-xs)}.result-value{font-size:1.125rem;font-weight:600;color:var(--text-primary);margin-bottom:0}.result-subtitle{font-size:.75rem;color:var(--text-muted)}.card{background:var(--bg-tertiary);border-radius:var(--radius-lg);padding:var(--spacing-lg);border:1px solid var(--border);margin-bottom:var(--spacing-lg)}.card h4{font-size:1rem;font-weight:600;margin-bottom:var(--spacing-md);color:var(--text-primary)}.tax-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--spacing-md)}.tax-item{display:flex;flex-direction:column;gap:var(--spacing-xs)}.tax-item span{font-size:.8125rem;color:var(--text-secondary)}.tax-item strong{font-size:1rem}.highlight-green{color:var(--accent)!important}.highlight-red{color:var(--accent-red)!important}.emergency-visual{display:flex;align-items:center;gap:var(--spacing-xl)}.progress-container{position:relative;display:flex;align-items:center;justify-content:center}.progress-ring{transform:rotate(-90deg)}.progress-center{position:absolute;display:flex;flex-direction:column;align-items:center}.progress-value{font-size:1.75rem;font-weight:700;color:var(--text-primary)}.progress-label{font-size:.75rem;color:var(--text-secondary)}.emergency-details{flex:1}.emergency-details p{font-size:.9375rem;color:var(--text-secondary);margin-bottom:var(--spacing-sm)}.emergency-details .gap{color:var(--accent-gold);font-weight:500}.monte-carlo-results{display:grid;grid-template-columns:repeat(5,1fr);gap:var(--spacing-sm);margin-bottom:var(--spacing-md)}.mc-item{display:flex;flex-direction:column;gap:var(--spacing-xs);padding:var(--spacing-sm);background:var(--bg-secondary);border-radius:var(--radius-md);text-align:center}.mc-item span{font-size:.75rem;color:var(--text-muted)}.mc-item strong{font-size:.9375rem;color:var(--text-primary)}.mc-item.worst strong{color:var(--accent-red)}.mc-item.low strong{color:var(--accent-gold)}.mc-item.median strong{color:var(--accent-blue)}.mc-item.high strong{color:var(--accent-secondary)}.mc-item.best strong{color:var(--accent)}.success-rate{text-align:center;font-size:.9375rem;color:var(--text-secondary)}.success-rate strong{color:var(--accent)}.wealth-chart-section{margin-bottom:var(--spacing-xl)}.wealth-chart-section h3{font-size:1.125rem;font-weight:600;margin-bottom:var(--spacing-md)}.chart-container{height:300px;width:100%}.chart-note{text-align:center;font-size:.8125rem;color:var(--text-muted);margin-top:var(--spacing-sm);margin-bottom:0}.achievements-section{margin-bottom:var(--spacing-xl)}.achievements-section h3{font-size:1.125rem;font-weight:600;margin-bottom:var(--spacing-md)}.badges-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:var(--spacing-sm)}.badge{display:flex;flex-direction:column;align-items:center;gap:var(--spacing-xs);padding:var(--spacing-md) var(--spacing-sm);background:var(--bg-secondary);border-radius:var(--radius-lg);border:1px solid var(--border);text-align:center;position:relative;transition:all var(--transition-normal)}.badge.earned{border-color:var(--accent-gold);background:#f59e0b1a}.badge.locked{opacity:.5}.badge-icon{font-size:1.75rem}.badge-name{font-size:.75rem;font-weight:500;color:var(--text-secondary)}.badge-lock{position:absolute;top:var(--spacing-sm);right:var(--spacing-sm);font-size:.75rem}.sub-tabs{display:flex;gap:var(--spacing-sm);margin-bottom:var(--spacing-lg);flex-wrap:wrap}.sub-tab{display:flex;align-items:center;gap:var(--spacing-xs);padding:.625rem var(--spacing-md);background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius-md);color:var(--text-secondary);font-size:.875rem;cursor:pointer;transition:all var(--transition-normal)}.sub-tab:hover{border-color:var(--accent);color:var(--text-primary)}.sub-tab.active{background:var(--accent);border-color:var(--accent);color:#fff}.sub-section{margin-bottom:var(--spacing-xl)}.sub-section h3{font-size:1.25rem;font-weight:600;margin-bottom:var(--spacing-sm)}.section-desc{color:var(--text-secondary);margin-bottom:var(--spacing-lg)}.big-result{text-align:center;padding:var(--spacing-xl);background:var(--gradient-primary);border-radius:var(--radius-xl);margin-bottom:var(--spacing-lg)}.big-result-label{display:block;font-size:.9375rem;color:#fffc;margin-bottom:var(--spacing-sm)}.big-result-value{font-size:2.5rem;font-weight:700;color:#fff}.result-breakdown{display:flex;flex-direction:column;gap:var(--spacing-sm)}.breakdown-item{display:flex;justify-content:space-between;align-items:center;padding:var(--spacing-sm) 0;border-bottom:1px solid var(--border)}.breakdown-item:last-child{border-bottom:none}.breakdown-item span{color:var(--text-secondary);font-size:.9375rem}.breakdown-item strong{font-size:1rem;color:var(--text-primary)}.breakdown-item.total{padding-top:var(--spacing-md);border-top:2px solid var(--border)}.breakdown-item.total strong{font-size:1.125rem;color:var(--accent)}.recommendation-box{display:flex;align-items:center;gap:var(--spacing-sm);padding:var(--spacing-lg);border-radius:var(--radius-lg);margin-bottom:var(--spacing-lg)}.recommendation-box.buy,.recommendation-box.refinance{background:#22c55e1a;border:1px solid var(--accent)}.recommendation-box.rent,.recommendation-box.keep{background:#f59e0b1a;border:1px solid var(--accent-gold)}.rec-icon{font-size:1.5rem}.rec-text{font-size:1.125rem;font-weight:600}.comparison-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--spacing-md);margin-bottom:var(--spacing-lg)}.comparison-card{padding:var(--spacing-lg);border-radius:var(--radius-lg);text-align:center}.comparison-card.rent{background:#f59e0b1a;border:1px solid var(--accent-gold)}.comparison-card.buy{background:#22c55e1a;border:1px solid var(--accent)}.comparison-card h4{font-size:1rem;margin-bottom:var(--spacing-sm)}.comp-value{font-size:1.5rem;font-weight:700;color:var(--text-primary)}.comparison-card small{font-size:.8125rem;color:var(--text-muted)}.amort-summary{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--spacing-md);margin-bottom:var(--spacing-lg)}.amort-stat{display:flex;flex-direction:column;gap:var(--spacing-xs);padding:var(--spacing-md);background:var(--bg-secondary);border-radius:var(--radius-md);border:1px solid var(--border);text-align:center}.amort-stat span{font-size:.8125rem;color:var(--text-muted)}.amort-stat strong{font-size:1.125rem;color:var(--text-primary)}.amort-table-container{overflow-x:auto;border-radius:var(--radius-md);border:1px solid var(--border)}.amort-table{width:100%;border-collapse:collapse}.amort-table th,.amort-table td{padding:var(--spacing-sm) var(--spacing-md);text-align:right;border-bottom:1px solid var(--border)}.amort-table th{background:var(--bg-tertiary);font-size:.8125rem;font-weight:600;color:var(--text-secondary);text-transform:uppercase;letter-spacing:.05em}.amort-table td{font-size:.9375rem;color:var(--text-primary)}.amort-table tr:hover td{background:var(--bg-tertiary)}.savings-highlight{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--spacing-md);margin-bottom:var(--spacing-lg)}.savings-item{display:flex;align-items:center;gap:var(--spacing-md);padding:var(--spacing-lg);background:var(--gradient-primary);border-radius:var(--radius-lg)}.savings-icon{font-size:2rem}.savings-label{display:block;font-size:.875rem;color:#fffc}.savings-value{display:block;font-size:1.5rem;font-weight:700;color:#fff}.comparison-table{border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden}.comp-row{display:grid;grid-template-columns:1.5fr 1fr 1fr;padding:var(--spacing-sm) var(--spacing-md);border-bottom:1px solid var(--border)}.comp-row:last-child{border-bottom:none}.comp-row.header{background:var(--bg-tertiary);font-weight:600;font-size:.8125rem;color:var(--text-secondary)}.comp-row span:not(:first-child){text-align:right}.pmi-status{display:flex;align-items:center;gap:var(--spacing-sm);padding:var(--spacing-lg);border-radius:var(--radius-lg);margin-bottom:var(--spacing-lg)}.pmi-status.required{background:#f59e0b1a;border:1px solid var(--accent-gold)}.pmi-status.not-required{background:#22c55e1a;border:1px solid var(--accent)}.pmi-icon{font-size:1.5rem}.pmi-text{font-size:1.125rem;font-weight:600}.pmi-tip{padding:var(--spacing-md);background:#3b82f61a;border:1px solid var(--accent-blue);border-radius:var(--radius-md);font-size:.9375rem;color:var(--text-secondary);margin-top:var(--spacing-lg)}.pmi-tip strong{color:var(--accent-blue)}.closing-costs-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:var(--spacing-lg);margin-bottom:var(--spacing-lg)}.closing-category{background:var(--bg-secondary);border-radius:var(--radius-lg);padding:var(--spacing-lg);border:1px solid var(--border)}.closing-category h4{font-size:.9375rem;font-weight:600;color:var(--accent);margin-bottom:var(--spacing-md);padding-bottom:var(--spacing-sm);border-bottom:1px solid var(--border)}.cost-item{display:flex;justify-content:space-between;padding:var(--spacing-sm) 0;font-size:.9375rem}.cost-item span{color:var(--text-secondary)}.cost-item strong{color:var(--text-primary)}.closing-total{display:flex;justify-content:space-between;align-items:center;padding:var(--spacing-lg);background:var(--gradient-primary);border-radius:var(--radius-lg);margin-bottom:var(--spacing-md)}.closing-total span{font-size:1.125rem;color:#ffffffe6}.closing-total strong{font-size:1.5rem;font-weight:700;color:#fff}.closing-note{text-align:center;font-size:.8125rem;color:var(--text-muted);font-style:italic;margin-bottom:0}.adsense-container{margin:var(--spacing-xl) 0;min-height:90px}.adsbygoogle{display:block}.app-footer{text-align:center;padding:var(--spacing-xl) 0;margin-top:var(--spacing-xl);border-top:1px solid var(--border);color:var(--text-muted);font-size:.875rem}.footer-links{display:flex;justify-content:center;gap:var(--spacing-xl);margin-bottom:var(--spacing-md)}.footer-links a{color:var(--text-secondary);text-decoration:none;transition:color var(--transition-fast)}.footer-links a:hover{color:var(--accent)}.app-footer p{margin-bottom:var(--spacing-sm)}.app-footer p:last-child{margin-bottom:0}@media print{.print-hide,.adsense-container,.app-header,.tab-nav,.sub-tabs,.presets-row,.theme-toggle,.currency-selector{display:none!important}body{background:#fff;color:#000}.app-container{max-width:100%;padding:0}}@media (max-width: 1024px){.calculator-grid{grid-template-columns:1fr}}@media (max-width: 768px){.app-header{flex-direction:column;align-items:flex-start}.tab-nav{flex-direction:column}.tab-btn{justify-content:flex-start}.big-result-value{font-size:1.75rem}.savings-highlight{grid-template-columns:1fr}.emergency-visual{flex-direction:column;text-align:center}.monte-carlo-results,.amort-summary{grid-template-columns:repeat(2,1fr)}.comparison-grid{grid-template-columns:1fr}}@media (max-width: 480px){html{font-size:14px}.input-grid,.fire-types-grid{grid-template-columns:1fr}.badges-grid{grid-template-columns:repeat(2,1fr)}}@media (prefers-reduced-motion: reduce){*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}*:focus-visible{outline:2px solid var(--accent);outline-offset:2px}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--accent);outline-offset:2px}@media (prefers-contrast: high){:root{--border: #666;--text-secondary: #ccc}}