.page-overpayment{background:var(--color-sand)}.op-calculator{padding-bottom:64px}.op-hero{background:linear-gradient(165deg,var(--color-green-800) 0%,var(--color-green-500) 48%,var(--color-green-600) 100%);color:#fff;padding:clamp(48px,8vw,80px) 0 clamp(40px,6vw,64px);text-align:center}.op-hero-badge{display:inline-block;font-size:.75rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:#ffffff26;border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 14px;margin-bottom:16px}.op-hero h1{font-family:var(--font-display);font-size:clamp(2rem,5vw,3rem);font-weight:400;line-height:1.15;margin:0 0 16px}.op-hero-title-sand{color:var(--color-sand)}.op-hero-title-gold{color:var(--color-gold-400)}.op-hero p{max-width:560px;margin:0 auto;font-size:1.0625rem;line-height:1.6;opacity:.92}.op-layout{display:grid;grid-template-columns:minmax(280px,380px) 1fr;gap:28px;margin-top:-32px;position:relative;z-index:1;align-items:start}.op-panel{background:#fff;border:1px solid var(--color-sand-dark);border-radius:var(--radius-xl);box-shadow:var(--shadow-sm);padding:28px}.op-panel--visual{display:flex;flex-direction:column;gap:28px}.op-inputs{display:flex;flex-direction:column;gap:22px}.op-field label,.op-field-label{font-weight:600;font-size:.875rem;color:var(--color-green-700)}.op-field select,.op-field input[type=number]{width:100%;padding:10px 12px;border:1px solid var(--color-sand-dark);border-radius:var(--radius-md);font:inherit;color:var(--color-text);background:#fff}.op-field select:focus,.op-field input:focus{outline:2px solid var(--color-green-300);outline-offset:1px}.op-field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}.op-field-value{font-family:var(--font-display);font-size:1.125rem;color:var(--color-green-500);font-weight:500}.op-field input[type=range]{width:100%;accent-color:var(--color-green-500)}.op-rest-badge{display:inline-block;margin-top:8px;font-size:.75rem;font-weight:600;padding:4px 10px;border-radius:999px;background:var(--color-green-50);color:var(--color-green-700)}.op-rest-badge--annual{background:#fef3e2;color:#9a6b1a}.op-field-note{font-size:.8125rem;color:var(--color-gray);margin:8px 0 0;line-height:1.5}.op-field-warning{font-size:.8125rem;color:#9a6b1a;margin:8px 0 0;padding:8px 10px;background:#fef9ee;border-radius:var(--radius-md)}.op-term-inputs{display:flex;gap:12px;margin-top:8px}.op-term-inputs>div{display:flex;align-items:center;gap:6px;flex:1}.op-term-inputs input{width:100%}.op-checkbox{display:flex;align-items:center;gap:8px;margin-top:10px;font-size:.875rem;cursor:pointer}.op-money-input{display:flex;align-items:center;gap:6px;margin-top:8px}.op-money-input span{font-weight:600;color:var(--color-green-500)}.op-segmented{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.op-segmented button{flex:1;min-width:70px;padding:8px 10px;border:1px solid var(--color-sand-dark);border-radius:var(--radius-md);background:#fff;font:inherit;font-size:.8125rem;cursor:pointer;transition:background .15s,border-color .15s}.op-segmented button.is-active{background:var(--color-green-500);border-color:var(--color-green-500);color:#fff}.op-results-hero{display:grid;grid-template-columns:1fr 1fr;gap:16px}.op-stat{display:flex;flex-direction:column;gap:4px}.op-stat--primary{background:var(--color-green-50);border-radius:var(--radius-lg);padding:20px}.op-stat-label{font-size:.8125rem;font-weight:600;color:var(--color-gray);text-transform:uppercase;letter-spacing:.04em}.op-stat-value{font-family:var(--font-display);font-size:clamp(1.75rem,4vw,2.25rem);color:var(--color-green-500);line-height:1.1}.op-stat-value--compact{font-size:clamp(1.25rem,3vw,1.75rem)}.op-stat-value--small{font-size:1.25rem}.op-results-secondary{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding-top:8px;border-top:1px solid var(--color-sand-dark)}.op-chart-header{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;margin-bottom:12px}.op-chart-header h3,.op-term-compare h3{font-family:var(--font-display);font-size:1.125rem;color:var(--color-green-500);margin:0}.op-chart-legend{display:flex;gap:16px;font-size:.8125rem}.op-legend:before{content:"";display:inline-block;width:12px;height:3px;border-radius:2px;margin-right:6px;vertical-align:middle}.op-legend--baseline:before{background:var(--color-gray)}.op-legend--overpay:before{background:var(--color-gold-500)}.op-chart-svg{width:100%;height:auto}.op-chart-grid{stroke:var(--color-sand-dark);stroke-width:1}.op-chart-axis{font-size:11px;fill:var(--color-gray)}.op-chart-area--baseline{fill:#8a858014}.op-chart-line{fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}.op-chart-line--baseline{stroke:var(--color-gray)}.op-chart-line--overpay{stroke:var(--color-gold-600)}.op-chart-marker{stroke-width:1.5;stroke-dasharray:4 4}.op-chart-marker--payoff{stroke:var(--color-gold-500)}.op-chart-marker--original{stroke:var(--color-green-300)}.op-chart--empty{display:flex;align-items:center;justify-content:center;min-height:200px;text-align:center;color:var(--color-gray);background:var(--color-sand);border-radius:var(--radius-lg)}.op-term-row{display:grid;grid-template-columns:130px 1fr auto;gap:12px;align-items:center;margin-top:12px}.op-term-label{font-size:.8125rem;color:var(--color-gray)}.op-term-bar-track{height:10px;background:var(--color-sand);border-radius:999px;overflow:hidden}.op-term-bar{height:100%;border-radius:999px;transition:width .3s ease}.op-term-bar--full{background:var(--color-green-300)}.op-term-bar--short{background:linear-gradient(90deg,var(--color-gold-500),var(--color-gold-400))}.op-term-value{font-size:.875rem;font-weight:600;color:var(--color-green-700);white-space:nowrap}.op-term-saved{margin:16px 0 0;font-size:.9375rem;color:var(--color-text)}.op-term-saved strong{color:var(--color-green-500)}.op-balance-table{border:1px solid var(--color-sand-dark);border-radius:var(--radius-lg);overflow:hidden}.op-balance-table summary{padding:14px 18px;font-weight:600;cursor:pointer;background:var(--color-sand);color:var(--color-green-700)}.op-table-wrap{overflow-x:auto}.op-balance-table table{width:100%;border-collapse:collapse;font-size:.875rem}.op-balance-table th,.op-balance-table td{padding:10px 18px;text-align:left;border-top:1px solid var(--color-sand-dark)}.op-balance-table th{background:#fff;font-weight:600;color:var(--color-green-700)}.op-disclaimer{margin-top:40px;padding:20px 24px;background:#fff;border:1px solid var(--color-sand-dark);border-radius:var(--radius-lg);font-size:.8125rem;line-height:1.6;color:var(--color-gray)}.op-disclaimer p{margin:0 0 10px}.op-disclaimer p:last-child{margin-bottom:0}@media(max-width:900px){.op-layout{grid-template-columns:1fr;margin-top:24px}.op-results-hero,.op-results-secondary{grid-template-columns:1fr}.op-term-row{grid-template-columns:1fr;gap:6px}}