:root {
  --bg: #f5f6f8; --card: #fff; --ink: #1b2430; --muted: #5f6b7a; --line: #dfe3e8; --accent: #0b6e99;
  --field: #fff; --good: #1a7f4b; --bad: #b3261e; --c1: #0072b2; --c2: #d55e00; --c3: #009e73; --c4: #cc79a7;
  --shadow: 0 1px 2px rgba(20, 30, 50, .06), 0 4px 14px rgba(20, 30, 50, .05);
}
:root[data-theme="dark"] {
  --bg: #11161c; --card: #1a2129; --ink: #e6eaef; --muted: #98a4b3; --line: #2c3641; --accent: #4db3e0;
  --field: #11161c; --good: #5fd08f; --bad: #ff8a80; --c1: #56b4e9; --c2: #f0a030; --c3: #4cd1a5; --c4: #f29bc4;
  --shadow: none;
}
* { box-sizing: border-box; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 15px/1.5 system-ui, -apple-system, "Segoe UI", Roboto, sans-serif; }
h1 { font-size: 20px; margin: 0; letter-spacing: -.01em; }
h2 { font-size: 18px; margin: 0 0 14px; }
h2 small { font-weight: 400; color: var(--muted); font-size: 13px; margin-left: 8px; }
h3 { font-size: 14px; margin: 18px 0 8px; color: var(--muted); font-weight: 600; }
.top { position: sticky; top: 0; z-index: 5; display: flex; flex-wrap: wrap; gap: 10px 22px; align-items: center; padding: 10px 24px; background: var(--card); border-bottom: 1px solid var(--line); }
.brand { display: flex; align-items: center; gap: 10px; }
.tag { font-size: 12px; color: var(--muted); }
nav { display: flex; gap: 14px; flex: 1; flex-wrap: wrap; }
nav a { color: var(--ink); text-decoration: none; font-size: 14px; padding: 2px 0; border-bottom: 2px solid transparent; }
nav a:hover { border-color: var(--accent); }
.tools { display: flex; gap: 8px; align-items: center; flex-wrap: wrap; }
main { max-width: 1180px; margin: 0 auto; padding: 20px 16px 40px; display: grid; gap: 18px; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: 12px; padding: 20px; box-shadow: var(--shadow); scroll-margin-top: 70px; min-width: 0; }
button, select, input, textarea { font: inherit; color: var(--ink); }
button { background: var(--card); border: 1px solid var(--line); border-radius: 8px; padding: 6px 12px; cursor: pointer; }
button:hover { border-color: var(--accent); }
button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, a:focus-visible, .vt-body:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
button.primary { background: var(--accent); color: #fff; border-color: var(--accent); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 16px; }
.chip { display: inline-flex; align-items: center; gap: 8px; padding: 6px 12px; border: 1px solid var(--line); border-radius: 999px; cursor: pointer; background: var(--card); }
.chip i { width: 10px; height: 10px; border-radius: 50%; }
.chip[aria-pressed="true"] { border-color: var(--accent); box-shadow: inset 0 0 0 1px var(--accent); font-weight: 600; }
.chip .x { border: 0; background: none; padding: 0 2px; color: var(--muted); font-size: 16px; line-height: 1; }
.form { display: grid; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); gap: 12px 16px; }
.field { display: flex; flex-direction: column; gap: 4px; font-size: 13px; color: var(--muted); }
.field.wide { grid-column: span 2; }
.field input:not([type=checkbox]), .field select, .field textarea { background: var(--field); border: 1px solid var(--line); border-radius: 8px; padding: 7px 9px; color: var(--ink); width: 100%; }
.field textarea { min-height: 62px; resize: vertical; font-family: ui-monospace, Menlo, Consolas, monospace; font-size: 13px; }
.field.check { flex-direction: row; align-items: center; gap: 8px; padding-top: 18px; }
.field .hint { font-size: 11.5px; opacity: .85; }
.group-title { grid-column: 1 / -1; margin: 8px 0 -4px; font-size: 12px; text-transform: uppercase; letter-spacing: .06em; color: var(--accent); font-weight: 700; }
.settings { margin-top: 16px; }
.settings summary { cursor: pointer; color: var(--muted); margin-bottom: 12px; }
.inline { display: inline-flex; gap: 6px; align-items: center; font-size: 13px; color: var(--muted); }
.inline select { padding: 5px 8px; border: 1px solid var(--line); border-radius: 8px; background: var(--field); }
.scroll { overflow-x: auto; }
table.data { width: 100%; border-collapse: collapse; font-size: 14px; }
table.data th, table.data td { text-align: right; padding: 8px 10px; border-bottom: 1px solid var(--line); white-space: nowrap; }
table.data th:first-child, table.data td:first-child { text-align: left; }
table.data th { color: var(--muted); font-weight: 600; font-size: 12px; text-transform: uppercase; letter-spacing: .04em; }
table.data td i.dot { display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 7px; }
.best { color: var(--good); font-weight: 600; }
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.grid2 > div { min-width: 0; }
.chart { min-height: 120px; position: relative; }
.plot { position: relative; }
.chart svg { display: block; width: 100%; height: auto; }
.chart .grid { stroke: var(--line); stroke-width: 1; }
.chart .tick { fill: var(--muted); font-size: 11px; }
.chart .line { fill: none; stroke-width: 2.2; stroke-linejoin: round; stroke-linecap: round; }
.chart .area { opacity: .85; }
.chart .cursor { stroke: var(--muted); stroke-dasharray: 3 3; }
.legend { display: flex; flex-wrap: wrap; gap: 4px 16px; font-size: 12.5px; color: var(--muted); margin-bottom: 6px; }
.legend i, .tip i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; margin-right: 6px; }
.tip { position: absolute; pointer-events: none; background: var(--card); border: 1px solid var(--line); border-radius: 8px; padding: 6px 10px; font-size: 12.5px; box-shadow: 0 4px 16px rgba(0, 0, 0, .18); z-index: 2; white-space: nowrap; }
.tip div { display: flex; align-items: center; gap: 14px; justify-content: space-between; }
.tip span { margin-left: auto; font-variant-numeric: tabular-nums; padding-left: 14px; }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 12px; margin: 12px 0; }
.stat { border: 1px solid var(--line); border-radius: 10px; padding: 10px 14px; }
.stat b { display: block; font-size: 19px; font-variant-numeric: tabular-nums; }
.stat span { color: var(--muted); font-size: 12.5px; }
.stat.good b { color: var(--good); } .stat.bad b { color: var(--bad); }
.muted { color: var(--muted); font-size: 13px; }
.error { background: color-mix(in srgb, var(--bad) 14%, var(--card)); border: 1px solid var(--bad); border-radius: 10px; padding: 10px 14px; }
.row-actions { display: flex; gap: 8px; margin-bottom: 12px; }
.vt { border: 1px solid var(--line); border-radius: 10px; overflow: hidden; font-size: 13.5px; }
.vt-head, .vt-row { display: grid; grid-template-columns: 60px 90px 60px repeat(6, minmax(100px, 1fr)); align-items: center; }
.vt-head { background: var(--bg); font-weight: 600; font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; border-bottom: 1px solid var(--line); }
.vt-head > div, .vt-row > div { padding: 0 10px; }
.vt-head > div { padding-top: 8px; padding-bottom: 8px; }
.vt .num { text-align: right; font-variant-numeric: tabular-nums; }
.vt-body { height: 420px; overflow: auto; position: relative; }
.vt-rows { position: absolute; left: 0; right: 0; top: 0; }
.vt-row { height: 30px; border-bottom: 1px solid var(--line); }
.vt-row.pre { background: color-mix(in srgb, var(--c2) 9%, transparent); }
.vt-row:hover { background: color-mix(in srgb, var(--accent) 10%, transparent); }
footer { text-align: center; color: var(--muted); font-size: 12.5px; padding: 0 16px 28px; }
@media (max-width: 800px) { .grid2 { grid-template-columns: 1fr; } .field.wide { grid-column: auto; } .top { padding: 10px 16px; } .vt-head, .vt-row { grid-template-columns: 50px 80px 50px repeat(6, 110px); min-width: 760px; } .vt { overflow-x: auto; } }
@media print {
  .top, #offers, .row-actions, #refinance, #invest, footer, .grid2, #results h3, #chart-bars, #strategy { display: none !important; }
  body { background: #fff; color: #000; }
  .card { border: 0; box-shadow: none; padding: 0; }
  .vt-body { height: auto; overflow: visible; }
  .vt-spacer { height: auto !important; }
  .vt-rows { position: static; }
  .vt-row { break-inside: avoid; height: 22px; }
}