:root{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:#15283a;background:#f5f8fb}*{box-sizing:border-box}body{margin:0}a{color:inherit}.wrap{max-width:1160px;margin:auto;padding:0 24px}header{background:#fff;border-bottom:1px solid #e5ebf0}.nav{display:flex;justify-content:space-between;align-items:center;min-height:76px}.brand{font-size:23px;font-weight:850;text-decoration:none;letter-spacing:-1px;color:#143c50}.brand span{color:#08a79b}nav{display:flex;gap:25px}nav a{text-decoration:none;color:#526575;font-size:14px}.hero{padding:68px 0 52px;max-width:740px}.eyebrow{font-size:11px;font-weight:800;letter-spacing:1.8px;color:#008f85}.hero h1{font-size:clamp(36px,5vw,60px);letter-spacing:-2px;line-height:1.07;margin:16px 0}.hero p{font-size:18px;color:#647687;line-height:1.65}.cta{display:inline-block;background:#0b7f7a;color:#fff;text-decoration:none;border-radius:10px;padding:14px 20px;font-weight:700;margin-top:12px}.layout{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}.panel,.info{background:white;border:1px solid #e2eaf0;border-radius:18px;padding:30px;box-shadow:0 8px 32px #17384c08}.heading{display:flex;justify-content:space-between;align-items:start;gap:12px}.heading h2{margin:10px 0 22px;font-size:25px;letter-spacing:-.7px}.chip{white-space:nowrap;background:#e8f8f5;color:#067b72;border-radius:100px;padding:7px 10px;font-size:12px;font-weight:700}label{display:block;font-size:13px;font-weight:750;margin:16px 0 7px}input,select{width:100%;padding:13px 12px;border:1px solid #d5e0e8;border-radius:9px;background:#fff;font-size:16px;color:#162e3c}input:focus,select:focus{outline:2px solid #60c6bd;outline-offset:1px}.twocol{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}.note{background:#f1f8f8;border-left:3px solid #0b9c92;padding:12px;font-size:12px;color:#4e6870;line-height:1.6;margin-top:20px}.secondary{border:1px solid #cadce2;background:#fff;color:#126e70;border-radius:9px;padding:12px 15px;font-weight:750;margin-top:20px;cursor:pointer}.results{background:linear-gradient(155deg,#fff,#f7fcfc)}.big{font-size:clamp(36px,5vw,54px);font-weight:850;letter-spacing:-2px;margin-top:17px;color:#103a49}.muted,.small{color:#6c7d89;font-size:13px;line-height:1.65}.stats{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:25px 0}.stats>div{padding:15px;background:#f1f7f8;border-radius:10px}.stats span{display:block;color:#637987;font-size:12px;margin-bottom:8px}.stats strong{font-size:20px}.results h3{font-size:15px;margin:25px 0 12px}.bar{display:flex;height:16px;overflow:hidden;border-radius:10px;background:#dde5eb}.bar div:first-child{background:#087f80}.bar div:last-child{background:#9bd9d1}.legend{display:flex;gap:20px;margin-top:10px;font-size:12px;color:#5d7180}.legend span:first-child{color:#087f80}.legend span:last-child{color:#51aca1}canvas{width:100%;height:auto}.info{margin-top:26px;line-height:1.8;color:#4c6373}.info h2,.info h3{color:#183447;line-height:1.3}details{border-top:1px solid #e5edf2;padding:12px 0}summary{cursor:pointer;font-weight:700;color:#1c3c4e}.adspace{border:1px dashed #c8d5de;color:#7c8e9b;text-align:center;padding:30px;margin:28px 0;font-size:12px}footer{background:#143345;color:#b9cdd7;padding:27px 0;font-size:12px}footer a{color:#e2f3f3}@media(max-width:800px){.layout{grid-template-columns:1fr}.hero{padding:48px 0 35px}nav{gap:10px}nav a{font-size:12px}.panel,.info{padding:22px}}@media(max-width:520px){.nav{display:block;padding-top:18px;padding-bottom:14px}nav{margin-top:12px;flex-wrap:wrap}.twocol{grid-template-columns:1fr}.stats strong{font-size:17px}}
/* Vibrant MoneyWise visual identity, version 2 */
:root{color:#12213f;background:#f3f6fd}header{background:#0d1735;border-bottom:1px solid #263761}.brand{color:#fff}.brand span{color:#4be3d2}nav a{color:#e3eaff}nav a:hover{color:#50e4d4}.hero{max-width:none;border-radius:0 0 26px 26px;padding:64px 38px 58px;margin:0 -14px 28px;background:radial-gradient(circle at 86% 25%,#236adf 0,transparent 40%),linear-gradient(120deg,#0d1735 10%,#17396e 90%);color:#fff;position:relative;overflow:hidden}.hero:after{content:'◈';position:absolute;right:6%;top:0;font-size:270px;line-height:1;color:#ffffff0b;pointer-events:none}.hero h1{max-width:690px;color:#fff}.hero p{max-width:650px;color:#d5e4fc}.hero .eyebrow{color:#5cf2dd}.cta{background:#f9a63b;color:#172343;box-shadow:0 8px 24px #0002}.cta:hover{background:#ffbd65}.eyebrow{color:#1267c9}.panel,.info{border-color:#dbe5f5;box-shadow:0 12px 34px #102d6810}.chip{background:#ddf9f3;color:#007d71}.results{background:linear-gradient(160deg,#fff 40%,#eaf2ff)}.big{color:#175bda}.stats>div{background:#eaf1ff;border:1px solid #dce8ff}.stats strong{color:#153d84}.bar div:first-child{background:#2065e7}.bar div:last-child{background:#35cfc2}.legend span:first-child{color:#2065e7}.legend span:last-child{color:#009f92}.note{background:#eaf4ff;border-left-color:#246de5}.secondary{border-color:#b8d0f2;color:#185ac7}.secondary:hover{background:#eaf2ff}.feature-heading{display:flex;align-items:center;gap:12px;margin:24px 0 5px;padding-top:18px;border-top:1px solid #e4eafa}.feature-heading strong,.feature-heading small{display:block}.feature-heading small{font-size:12px;color:#65758e;margin-top:3px}.feature-icon{display:grid;place-items:center;width:40px;height:40px;background:#dff9f3;border-radius:12px;color:#008c80;font-size:25px}.lump-section{margin-top:22px;padding:20px;border-radius:15px;background:linear-gradient(135deg,#e9f2ff,#e4fbf5);border:1px solid #c7defb}.lump-title{font-size:17px;font-weight:850;color:#173f87}.new-tag{display:inline-block;vertical-align:middle;font-size:10px;letter-spacing:1px;background:#f9a63b;color:#27263b;padding:5px 8px;border-radius:20px;margin-left:6px}.field-help{font-size:12px;color:#667892;line-height:1.6}.lump-section label{margin-top:12px}.saving-highlight{margin-top:20px;padding:13px 15px;background:#ddf9f2;border-left:4px solid #08aa91;border-radius:8px;color:#087b6d;font-weight:750;font-size:13px}footer{background:#0d1735}input:focus,select:focus{outline-color:#357bf3}@media(max-width:800px){.hero{margin:0 0 20px;padding:45px 24px}.hero:after{font-size:170px}}@media(max-width:520px){.lump-section{padding:15px}.hero h1{font-size:37px}}

/* Version 3: compact, task-first header and distinct sidebar advertising */
.nav{min-height:58px}.brand{font-size:21px}.hero{padding:20px 26px 22px;margin:0 0 18px;border-radius:0 0 18px 18px}.hero:after{font-size:130px;top:-20px;right:5%}.hero h1{font-size:clamp(25px,3.4vw,38px);letter-spacing:-1.2px;margin:5px 0 6px;line-height:1.14}.hero p{font-size:14px;line-height:1.45;margin:0;max-width:650px}.hero .eyebrow{font-size:10px;letter-spacing:1.3px}.layout{scroll-margin-top:12px}.results-column{min-width:0}.sidebar-ad{margin-top:18px;min-height:190px;border:1px dashed #a8b9d6;border-radius:14px;background:#f9fbff;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#7a8ba5;text-align:center;padding:20px}.sidebar-ad span{text-transform:uppercase;letter-spacing:1.4px;font-size:10px;font-weight:700}.sidebar-ad p{font-size:12px;margin-top:10px}.panel{padding:25px}@media(max-width:800px){.hero{padding:19px 20px;margin-bottom:15px}.hero:after{font-size:110px}.sidebar-ad{min-height:110px}.nav{min-height:58px}}@media(max-width:520px){.nav{padding-top:12px;padding-bottom:10px}.hero h1{font-size:29px}.hero p{font-size:13px}.hero:after{font-size:90px}.panel{padding:20px}}

/* Multi-tool expansion */
.tool-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.tool-links a{padding:17px;border:1px solid #c9dafa;border-radius:12px;background:#edf4ff;color:#154eaf;text-decoration:none;font-weight:750;line-height:1.4}.tool-links a:hover{background:#dceaff}.result-positive{color:#087b6d!important}.results .big{overflow-wrap:anywhere}.validation{color:#b52c35;font-size:13px;font-weight:650;min-height:20px}.subhead{margin:20px 0 5px;color:#173f87;font-size:16px}.result-table{width:100%;border-collapse:collapse;font-size:13px}.result-table th,.result-table td{padding:10px 5px;text-align:left;border-bottom:1px solid #dae5f4}.result-table td:last-child,.result-table th:last-child{text-align:right}.result-table td{overflow-wrap:anywhere}.fineprint{font-size:12px;color:#667892;line-height:1.7}.pill{display:inline-block;background:#e1f8f2;color:#07796e;border-radius:50px;padding:4px 10px;font-size:11px;font-weight:800}@media(max-width:650px){.tool-links{grid-template-columns:1fr}.result-table{font-size:11px}}

/* Version 7: accessible side-by-side comparison sections and per-entry frequencies */
.loan-card{border:2px solid #bed2f5;border-radius:15px;padding:16px 18px 20px;margin:20px 0;background:#f6f9ff}.loan-card .subhead{font-size:19px;margin:0 0 10px;color:#1745a1}.loan-b{border-color:#7adfd2;background:#f2fcfa}.loan-b .subhead{color:#087e74}.comparison-verdict{font-size:clamp(21px,2.5vw,28px);line-height:1.3;letter-spacing:-.35px;font-weight:700;color:#173c78;margin-top:16px}.amount-frequency{display:grid;grid-template-columns:minmax(0,1fr) 132px;gap:8px;align-items:center}.amount-frequency .frequency-select{font-size:13px;padding:13px 6px}.amount-frequency input{min-width:0}.field-help{font-size:12px;line-height:1.5;color:#667892;margin:7px 0 0}@media(max-width:420px){.amount-frequency{grid-template-columns:minmax(0,1fr) 120px}.loan-card{padding:12px}.loan-card .twocol{grid-template-columns:1fr}}

/* V8: lighter, contemporary result typography */
.results .big{font-size:clamp(32px,3.8vw,45px);font-weight:650;letter-spacing:-1.35px;line-height:1.16;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.results .stats strong{font-weight:650;letter-spacing:-.35px}
.info p{line-height:1.7}.info h3{margin-top:20px;margin-bottom:6px;font-size:17px;font-weight:650}

/* Locale-aware date inputs: text remains consistent across browsers. */
.localized-date{position:relative;display:flex;align-items:center}.localized-date>input[type=text]{width:100%;padding-right:3.4rem}.calendar-button{position:absolute;right:.4rem;top:50%;transform:translateY(-50%);width:2.5rem;height:2.5rem;padding:0;border:0;background:transparent;color:#dce8fa;font-size:1.5rem;cursor:pointer}.native-date-picker{position:absolute;right:.8rem;bottom:.4rem;width:1px;height:1px;opacity:0;pointer-events:none}.calendar-button:hover{color:#35cfc2}

/* Version 11: consistent accessible footer */
.site-footer{background:#17232e;color:#b8c9d6;margin-top:42px;padding:38px 0 22px;border-top:1px solid #344653}.site-footer .footer-top{display:grid;grid-template-columns:minmax(230px,2fr) 1fr 1fr;gap:36px}.footer-brand{display:flex;align-items:center;gap:12px;color:#f4f8fc;font-weight:750;font-size:1.16rem;text-decoration:none}.footer-brand img{flex-shrink:0}.footer-intro p{max-width:450px;font-size:.93rem;line-height:1.65}.footer-links{display:flex;flex-direction:column;gap:10px}.footer-links h2{font-size:.97rem;color:white;margin:2px 0 8px}.site-footer a{color:#b8c9d6;text-decoration:none}.site-footer a:hover,.site-footer a:focus-visible{color:#39d4c2;text-decoration:underline}.footer-bottom{border-top:1px solid #344653;margin-top:30px;padding-top:19px;display:flex;justify-content:space-between;align-items:center;gap:15px;flex-wrap:wrap;font-size:.88rem}.footer-social{display:flex;gap:12px;align-items:center}.footer-social a{display:inline-flex;justify-content:center;align-items:center;min-width:36px;min-height:36px;border:1px solid #45606b;border-radius:8px;font-weight:700;color:#39d4c2}.footer-disclaimer{font-size:.79rem;color:#9bb1bf;line-height:1.5;margin:15px 0 0}.site-footer a:focus-visible{outline:2px solid #39d4c2;outline-offset:3px}@media(max-width:680px){.site-footer .footer-top{grid-template-columns:1fr 1fr;gap:22px}.footer-intro{grid-column:1/-1}.footer-bottom{align-items:flex-start}}