.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>label,.op-field>.op-field-label{display:block;margin-bottom:8px}.op-control{width:100%;font-family:var(--font-body);font-size:1rem;font-weight:500;color:var(--color-text);padding:11px 14px;border:2px solid var(--color-sand-dark);border-radius:10px;background:#fff;transition:border-color var(--transition),box-shadow var(--transition)}.op-control:focus{outline:none;border-color:var(--color-green-500);box-shadow:0 0 0 3px var(--color-green-50)}.op-field select.op-control{cursor:pointer;-webkit-appearance:none;-moz-appearance:none;appearance:none;padding-right:40px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%232c5450' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center}.op-input-group{display:inline-flex;align-items:stretch;min-width:8.5rem;border:2px solid var(--color-sand-dark);border-radius:10px;background:#fff;overflow:hidden;transition:border-color var(--transition),box-shadow var(--transition)}.op-input-group--full{display:flex;width:100%;min-width:0;margin-top:8px}.op-input-group:focus-within{border-color:var(--color-green-500);box-shadow:0 0 0 3px var(--color-green-50)}.op-input-group__affix{display:flex;align-items:center;flex-shrink:0;padding:0 12px;font-family:var(--font-display);font-size:1rem;font-weight:600;color:var(--color-green-500);background:var(--color-green-50);border-right:2px solid var(--color-sand-dark)}.op-input-group--rate .op-input-group__affix{border-right:none;border-left:2px solid var(--color-sand-dark)}.op-input-group__field{width:100%;min-width:0;flex:1;padding:11px 12px;border:none;font-family:var(--font-display);font-size:1rem;font-weight:500;color:var(--color-green-700);background:transparent;text-align:right}.op-input-group--full .op-input-group__field{text-align:left}.op-input-group__field:focus{outline:none}.op-input-group__field[type=number]{-moz-appearance:textfield}.op-input-group__field[type=number]::-webkit-outer-spin-button,.op-input-group__field[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}.op-field-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px}.op-field-top label{margin-bottom:0}.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%;margin-top:2px;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:10px 12px;background:#fef9ee;border-radius:10px}.op-term-inputs{display:flex;gap:12px;margin-top:0}.op-term-inputs>div{display:flex;align-items:center;gap:8px;flex:1}.op-term-inputs>div>span{font-size:.875rem;color:var(--color-gray);white-space:nowrap}.op-checkbox{display:flex;align-items:center;gap:10px;margin-top:12px;font-size:.875rem;cursor:pointer}.op-field--term>label{display:block;margin-bottom:8px}.op-segmented{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.op-segmented button{flex:1;min-width:70px;padding:10px 12px;border:2px solid var(--color-sand-dark);border-radius:10px;background:#fff;font:inherit;font-size:.8125rem;font-weight:600;cursor:pointer;transition:background var(--transition),border-color var(--transition),color var(--transition)}.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,minmax(0,1fr));gap:16px;padding-top:8px;border-top:1px solid var(--color-sand-dark)}.op-results-secondary--cols-4{grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.op-results-secondary--cols-4 .op-stat-label{font-size:.6875rem;letter-spacing:.03em}.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:0;font-size:.9375rem;color:var(--color-text)}.op-term-actions{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:16px}.op-term-actions--solo{justify-content:flex-end}.op-btn-pdf{flex-shrink:0;padding:10px 18px;font-size:.875rem;white-space:nowrap}.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}.op-modal-overlay{position:fixed;top:0;right:0;bottom:0;left:0;z-index:1000;display:flex;align-items:center;justify-content:center;padding:24px;background:#1a202c8c}.op-modal{width:min(100%,480px);padding:28px;border-radius:16px;background:#fef9ee;border:1px solid #e8d4a8;box-shadow:0 20px 50px #1a202c33}.op-modal__title{margin:0 0 12px;font-size:1.25rem;color:#9a6b1a}.op-modal__body{margin:0 0 20px;font-size:.9375rem;line-height:1.6;color:#5c4a1f}.op-modal__button{display:inline-flex;align-items:center;justify-content:center;min-width:120px;padding:12px 20px;border:none;border-radius:10px;background:#9a6b1a;color:#fff;font:inherit;font-size:.9375rem;font-weight:600;cursor:pointer;transition:background var(--transition)}.op-modal__button:hover{background:#7d5615}@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}}