:root{--navy:#101F34;--navy2:#1b3050;--gold:#B48C54;--gold2:#C99E5F;--goldsoft:#f2e5c4;--bg:#F6F3EC;--card:#fff;--text:#102225;--muted:#667274;--line:rgba(16,34,37,.12);--green:#0b5d55;--r:8px}
*{box-sizing:border-box}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,sans-serif;background:var(--bg);color:var(--text)}
header{background:#fff;border-bottom:1px solid var(--line);padding:14px 24px;display:flex;justify-content:space-between;align-items:center}
header img{height:44px}header nav a{margin-left:20px;color:var(--navy);text-decoration:none;font-size:.9rem;font-weight:500}
.hero{background:var(--navy);color:#fff;padding:48px 24px 72px;text-align:center}
.eyebrow{color:var(--gold2);text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:700}
h1{font-size:clamp(2rem,5vw,3.2rem);margin:.3em 0;letter-spacing:-.02em}.hero p{color:#c8d0da;max-width:560px;margin:0 auto}
.tabs{display:flex;gap:8px;justify-content:center;margin-top:24px;flex-wrap:wrap}.tabs a{padding:8px 16px;border-radius:99px;border:1px solid rgba(255,255,255,.25);color:#fff;text-decoration:none;font-size:.85rem}.tabs a.on{background:var(--gold);border-color:var(--gold);color:var(--navy);font-weight:600}
main{max-width:1180px;margin:-40px auto 0;padding:0 16px 48px;display:grid;gap:24px;grid-template-columns:1fr}
@media(min-width:960px){main{grid-template-columns:1.1fr .9fr}}
.card{background:var(--card);border-radius:16px;box-shadow:0 24px 70px rgba(12,41,45,.12);padding:28px}
.steps{display:flex;gap:6px;margin-bottom:20px}.steps span{flex:1;height:6px;border-radius:9px;background:#e8edf3}.steps span.on{background:var(--gold)}
.stepl{font-size:.8rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.08em}
h2{font-size:1.5rem;margin:.2em 0 .8em;color:var(--navy)}h3{color:var(--navy);margin:0 0 12px;font-size:1.05rem}
label{display:block;font-weight:600;font-size:.9rem;margin:16px 0 6px}.hint{font-weight:400;color:var(--muted);font-size:.8rem}
.inp{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:12px;padding:0 14px;height:54px;font-size:1.15rem;background:#fff}.inp b{color:var(--muted);font-weight:500;margin-right:6px}.inp.f{border-color:var(--gold);box-shadow:0 0 0 4px var(--goldsoft)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.seg{display:flex;background:#e8edf3;border-radius:99px;padding:4px}.seg span{flex:1;text-align:center;padding:10px 6px;border-radius:99px;font-size:.88rem;font-weight:600;color:var(--muted)}.seg span.on{background:var(--navy);color:#fff}
.btn{display:inline-block;background:var(--navy);color:#fff;border-radius:99px;padding:15px 28px;font-weight:600;text-decoration:none;box-shadow:0 12px 28px -12px rgba(16,31,52,.5);text-align:center}.btn.gold{background:var(--gold);color:var(--navy)}.btn.ghost{background:none;color:var(--navy);box-shadow:none;border:1.5px solid var(--line)}
.nav{display:flex;justify-content:space-between;margin-top:28px;gap:12px}
.result{background:var(--navy);color:#fff}.result .lbl{color:#c8d0da;font-size:.95rem}.big{font-size:clamp(2.8rem,7vw,4rem);font-weight:800;letter-spacing:-.03em;margin:4px 0;color:#fff}
.ex{display:inline-block;background:var(--goldsoft);color:#8a6a38;border-radius:99px;font-size:.72rem;font-weight:700;padding:4px 10px;text-transform:uppercase;letter-spacing:.06em}
.disc{border-left:3px solid var(--gold);padding:8px 12px;margin:16px 0;font-size:.88rem;color:#e8eaed;background:rgba(255,255,255,.06);border-radius:0 8px 8px 0}.disc strong{color:#fff}
.repay{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:14px;padding:18px;margin-top:18px}.repay .amt{font-size:2rem;font-weight:800}.repay .seg{background:rgba(255,255,255,.12)}.repay .seg span{color:#c8d0da}.repay .seg span.on{background:var(--gold);color:var(--navy)}
.rate{color:var(--gold2);font-size:.85rem;font-weight:600}
.kv{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--line);font-size:.92rem}.kv:last-child{border:0}.kv span:last-child{font-weight:600}
.result .kv{border-color:rgba(255,255,255,.12)}
.bar{height:12px;border-radius:9px;background:rgba(255,255,255,.15);overflow:hidden;display:flex;margin:12px 0}.bar i{display:block}
.ok{display:inline-flex;gap:8px;align-items:center;background:#edf4ef;color:var(--green);padding:6px 14px;border-radius:99px;font-weight:700}
.cta{grid-column:1/-1;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;text-align:center;padding:44px 24px}.cta h2{color:#fff}.cta p{color:#c8d0da;max-width:520px;margin:0 auto 22px}
footer{text-align:center;color:var(--muted);font-size:.78rem;padding:24px 16px 40px;max-width:900px;margin:auto}
.side{display:grid;gap:24px;align-content:start}
@media(max-width:600px){header nav{display:none}.card{padding:20px}.row{grid-template-columns:1fr}.hero{padding:36px 20px 64px}}
/* r2 sliders + charts */
.sl{position:relative;height:48px;margin-top:6px}.sl .tr{position:absolute;left:14px;right:14px;top:22px;height:6px;border-radius:9px;background:#e8edf3}.sl .fi{position:absolute;left:0;top:0;height:6px;border-radius:9px;background:var(--gold)}
.sl .th{position:absolute;top:-11px;width:28px;height:28px;margin-left:-14px;border-radius:50%;background:#fff;border:3px solid var(--navy);box-shadow:0 4px 10px rgba(16,31,52,.25)}
.sl .ro{position:absolute;top:-40px;transform:translateX(-50%);background:var(--navy);color:#fff;font-size:.78rem;font-weight:700;padding:3px 8px;border-radius:6px;white-space:nowrap}
.slhint{font-size:.75rem;color:var(--muted);display:flex;justify-content:space-between}
.inp.tap{height:44px;font-size:1rem;width:auto;display:inline-flex;min-width:150px}
.donutw{display:flex;gap:16px;align-items:center;margin:14px 0}.donut{width:96px;height:96px;border-radius:50%;flex:none;position:relative}.donut:after{content:"";position:absolute;inset:18px;border-radius:50%;background:var(--navy)}
.lg{font-size:.82rem;color:#e8eaed;display:grid;gap:4px}.lg i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px}
details.pi{margin-top:14px;background:rgba(255,255,255,.06);border-radius:12px;padding:12px 14px}details.pi summary{cursor:pointer;font-weight:600;min-height:28px;list-style:none}details.pi summary:after{content:" ▾";color:var(--gold2)}