:root{--blue-dark: #0C447C;--blue-mid: #378ADD;--blue-tint: #E6F1FB;--blue-tint2: #cde3f7;--text: #1a1a2e;--text-muted: #5a6a7a;--border: #d0dce8;--surface: #ffffff;--surface-alt: #f7fafd;--green: #1a8c5c;--red: #c0392b;--radius: 10px;--shadow: 0 2px 12px rgba(12,68,124,.08)}*{box-sizing:border-box;margin:0;padding:0}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;background:var(--surface-alt);color:var(--text);font-size:15px;line-height:1.5}.calc-wrap{max-width:1200px;margin:0 auto;padding:24px 20px 60px}.calc-header{background:var(--blue-dark);color:#fff;border-radius:var(--radius);padding:22px 28px;margin-bottom:24px}.calc-header h1{font-size:1.35rem;font-weight:700;letter-spacing:-.3px}.calc-header p{margin-top:4px;font-size:.85rem;opacity:.75}.calc-body{display:grid;grid-template-columns:380px 1fr;gap:20px;align-items:start}@media (max-width: 860px){.calc-body{grid-template-columns:1fr}}.panel{background:var(--surface);border-radius:var(--radius);border:1px solid var(--border);box-shadow:var(--shadow);overflow:hidden}.panel-section{padding:18px 20px;border-bottom:1px solid var(--border)}.panel-section:last-child{border-bottom:none}.section-title{font-size:.72rem;font-weight:700;letter-spacing:.6px;text-transform:uppercase;color:var(--blue-mid);margin-bottom:14px}.field{margin-bottom:12px}.field:last-child{margin-bottom:0}.field label{display:block;font-size:.82rem;color:var(--text-muted);margin-bottom:4px;font-weight:500}.input-wrap{position:relative;display:flex;align-items:center}.input-prefix,.input-suffix{position:absolute;font-size:.88rem;color:var(--text-muted);font-weight:500;pointer-events:none}.input-prefix{left:10px}.input-suffix{right:10px}.input-wrap input,.input-wrap select,select.field-select,input.field-input{width:100%;padding:8px 12px;border:1px solid var(--border);border-radius:6px;font-size:.92rem;color:var(--text);background:var(--surface);outline:none;transition:border-color .15s}.input-wrap input:focus,.input-wrap select:focus,select.field-select:focus,input.field-input:focus{border-color:var(--blue-mid);box-shadow:0 0 0 3px var(--blue-tint)}.input-wrap.has-prefix input{padding-left:24px}.input-wrap.has-suffix input{padding-right:30px}.segmented{display:flex;border:1px solid var(--border);border-radius:6px;overflow:hidden}.segmented button{flex:1;padding:7px 0;border:none;background:var(--surface);font-size:.85rem;cursor:pointer;color:var(--text-muted);transition:background .15s,color .15s}.segmented button.active{background:var(--blue-dark);color:#fff;font-weight:600}.lump-list{display:flex;flex-direction:column;gap:8px;margin-top:10px}.lump-row{display:grid;grid-template-columns:1fr 1fr auto;gap:6px;align-items:center}.lump-row input{padding:7px 10px;border:1px solid var(--border);border-radius:6px;font-size:.85rem;width:100%}.lump-row button{background:none;border:none;color:var(--text-muted);cursor:pointer;font-size:1.1rem;line-height:1;padding:2px 4px}.lump-row button:hover{color:var(--red)}.add-lump{margin-top:8px;background:none;border:1px dashed var(--border);border-radius:6px;color:var(--text-muted);font-size:.82rem;padding:6px 10px;cursor:pointer;width:100%;text-align:center}.add-lump:hover{border-color:var(--blue-mid);color:var(--blue-dark)}.results-panel{display:flex;flex-direction:column;gap:16px}.savings-card{background:var(--blue-dark);color:#fff;border-radius:var(--radius);padding:24px 28px;box-shadow:var(--shadow)}.savings-label{font-size:.8rem;opacity:.7;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}.savings-amount{font-size:3rem;font-weight:800;letter-spacing:-1px;line-height:1}.savings-sub{font-size:.9rem;opacity:.8;margin-top:6px}.savings-meta{display:flex;gap:24px;margin-top:18px;padding-top:18px;border-top:1px solid rgba(255,255,255,.2)}.savings-stat{flex:1}.savings-stat-label{font-size:.75rem;opacity:.65}.savings-stat-value{font-size:1.05rem;font-weight:700;margin-top:2px}.stat-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}.stat-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:14px 16px;box-shadow:var(--shadow)}.stat-card-label{font-size:.75rem;color:var(--text-muted)}.stat-card-value{font-size:1.1rem;font-weight:700;color:var(--blue-dark);margin-top:2px}.chart-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}.chart-title{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--text-muted);margin-bottom:16px}.rate-callout{background:#fff8e6;border:1px solid #f0c040;border-radius:var(--radius);padding:12px 16px;font-size:.85rem;color:#7a5800}.rate-callout strong{display:block;margin-bottom:2px}.schedule-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}.schedule-header{display:flex;justify-content:space-between;align-items:center;padding:14px 18px;border-bottom:1px solid var(--border);cursor:pointer;-webkit-user-select:none;user-select:none}.schedule-header:hover{background:var(--surface-alt)}.schedule-title{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--text-muted)}.schedule-toggle{font-size:.8rem;color:var(--blue-mid)}.schedule-table{width:100%;border-collapse:collapse;font-size:.82rem}.schedule-table th{background:var(--surface-alt);padding:8px 14px;text-align:right;font-weight:600;color:var(--text-muted);font-size:.75rem;white-space:nowrap}.schedule-table th:first-child{text-align:left}.schedule-table td{padding:7px 14px;text-align:right;border-top:1px solid var(--border);color:var(--text)}.schedule-table td:first-child{text-align:left;color:var(--text-muted)}.schedule-table tr.rate-switch{background:#fff8e6}.schedule-table tr:hover{background:var(--surface-alt)}.show-all-btn{display:block;width:100%;padding:10px;background:none;border:none;border-top:1px solid var(--border);color:var(--blue-mid);font-size:.82rem;cursor:pointer;text-align:center}.show-all-btn:hover{background:var(--blue-tint)}.modal-overlay{position:fixed;top:0;right:0;bottom:0;left:0;background:#00000073;display:flex;align-items:center;justify-content:center;z-index:100;padding:20px}.modal{background:var(--surface);border-radius:14px;padding:32px 28px 28px;max-width:440px;width:100%;position:relative;box-shadow:0 20px 60px #00000040;text-align:center}.modal-close{position:absolute;top:14px;right:16px;background:none;border:none;font-size:1.4rem;color:var(--text-muted);cursor:pointer;line-height:1}.modal-icon{font-size:2rem;margin-bottom:10px}.modal-title{font-size:1.15rem;font-weight:700;color:var(--blue-dark);margin-bottom:10px}.modal-desc{font-size:.85rem;color:var(--text-muted);line-height:1.6;margin-bottom:18px}.modal-url-wrap{margin-bottom:14px}.modal-url{width:100%;padding:9px 12px;border:1px solid var(--border);border-radius:7px;font-size:.78rem;color:var(--text-muted);background:var(--surface-alt);white-space:nowrap;overflow:hidden;text-overflow:ellipsis;cursor:text}.modal-copy{width:100%;padding:11px;background:var(--blue-dark);color:#fff;border:none;border-radius:8px;font-size:.92rem;font-weight:700;cursor:pointer;transition:background .15s}.modal-copy:hover{background:var(--blue-mid)}.disclaimer{margin-top:12px;font-size:.75rem;color:var(--text-muted);line-height:1.6;padding:12px 16px;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius)}