:root{--ink:#0f172a;--soft:#334155;--muted:#64748b;--line:#e2e8f0;--bg:#f8fafc;--card:#fff;--green:#22c55e;--green2:#4ade80;--shadow:0 18px 50px rgba(15,23,42,.08)}*{box-sizing:border-box}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:radial-gradient(circle at top left,#ecfdf5,transparent 28%),linear-gradient(#fff,var(--bg));}a{color:inherit;text-decoration:none}.wrap{max-width:1180px;margin:0 auto;padding:0 22px}.site-header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.86);backdrop-filter:blur(16px);border-bottom:1px solid rgba(226,232,240,.8)}.header-inner{height:76px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;gap:12px;align-items:center}.brand-icon{width:46px;height:46px;border-radius:16px;background:linear-gradient(145deg,#111827,#263241);box-shadow:0 12px 28px rgba(15,23,42,.24);display:grid;grid-template-columns:1fr 1fr;grid-template-rows:1fr 1fr;place-items:center;gap:0;color:#fff;padding:7px;font-weight:900;font-size:13px;line-height:1;overflow:hidden}.brand-icon span:nth-child(4){color:var(--green)}.brand strong{font-size:24px;letter-spacing:-.04em}.brand strong span{color:var(--green)}.brand small{display:block;text-transform:uppercase;letter-spacing:.18em;font-size:10px;color:var(--muted);margin-top:2px}.top-nav{display:flex;gap:24px;color:var(--soft);font-weight:600;font-size:14px}.hero{display:grid;grid-template-columns:1.25fr .75fr;gap:34px;align-items:center;padding-top:58px;padding-bottom:46px}.eyebrow{display:inline-flex;padding:8px 13px;border:1px solid var(--line);background:#fff;border-radius:999px;font-weight:700;font-size:13px;color:var(--soft);box-shadow:0 6px 20px rgba(15,23,42,.04)}h1{font-size:clamp(42px,6vw,72px);line-height:.95;letter-spacing:-.07em;margin:16px 0}h2{letter-spacing:-.04em}.lead{font-size:19px;line-height:1.7;color:var(--soft);max-width:720px}.search-box{margin-top:28px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:6px;box-shadow:var(--shadow)}.search-box input{width:100%;border:0;outline:0;padding:17px 18px;font-size:16px;border-radius:18px}.hero-card{background:#fff;border:1px solid rgba(226,232,240,.85);border-radius:32px;padding:30px;box-shadow:var(--shadow)}.card-label,.section-head p{color:var(--muted)}.primary{border:0;background:var(--ink);color:#fff;border-radius:16px;padding:13px 18px;font-weight:800;cursor:pointer;box-shadow:0 10px 24px rgba(15,23,42,.16)}.primary:hover{background:#111827}.popular-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:34px}.popular-card{border:1px solid var(--line);background:#fff;border-radius:24px;padding:18px;text-align:left;cursor:pointer;box-shadow:0 8px 30px rgba(15,23,42,.04)}.popular-card:hover,.tool-card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.popular-card strong{display:block}.popular-card small{color:var(--muted)}.app-layout{display:grid;grid-template-columns:260px 1fr;gap:26px;align-items:start}.sidebar{position:sticky;top:96px}.category-list{display:grid;gap:8px}.cat-btn{width:100%;border:1px solid var(--line);background:#fff;color:var(--soft);border-radius:16px;padding:12px 13px;text-align:left;font-weight:700;cursor:pointer;display:flex;justify-content:space-between}.cat-btn.active{background:var(--ink);color:#fff;border-color:var(--ink)}.section-head{display:flex;align-items:end;justify-content:space-between;margin-bottom:16px}.count{font-size:13px;font-weight:800;color:var(--green)}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.tool-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:18px;min-height:154px;text-align:left;cursor:pointer;transition:.18s ease}.tool-card .tag{display:inline-flex;background:#ecfdf5;color:#15803d;border-radius:999px;font-size:11px;font-weight:800;padding:5px 8px;margin-bottom:12px}.tool-card h3{margin:0 0 8px}.tool-card p{margin:0;color:var(--muted);font-size:14px;line-height:1.5}.ad-wrap{margin-top:10px;margin-bottom:34px}.ad{border:1px solid var(--line);background:rgba(255,255,255,.75);border-radius:28px;min-height:96px;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#94a3b8;box-shadow:0 8px 30px rgba(15,23,42,.035)}.ad.slim{min-height:72px}.ad.rectangle{min-height:280px;margin-top:22px}.ad small{text-transform:uppercase;letter-spacing:.18em;font-size:10px;margin-bottom:8px}.about{padding:34px 22px 70px}.about h2{font-size:36px}.about-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.about-grid div{background:#fff;border:1px solid var(--line);border-radius:26px;padding:22px;box-shadow:0 8px 30px rgba(15,23,42,.035)}footer{border-top:1px solid var(--line);padding:24px 0;color:var(--muted);font-size:13px;background:#fff}.modal{position:fixed;inset:0;background:rgba(15,23,42,.55);backdrop-filter:blur(8px);display:none;align-items:center;justify-content:center;padding:22px;z-index:40}.modal.open{display:flex}.modal-card{width:min(920px,100%);max-height:90vh;overflow:auto;background:#fff;border-radius:32px;padding:26px;box-shadow:0 30px 80px rgba(0,0,0,.25);position:relative}.close{position:absolute;right:20px;top:16px;border:0;background:#f1f5f9;border-radius:14px;width:38px;height:38px;font-size:24px;cursor:pointer}.calc-title{padding-right:42px;margin-top:2px}.calc-desc{color:var(--muted);line-height:1.6}.calc-layout{display:grid;grid-template-columns:1fr 280px;gap:20px;margin-top:20px}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.field label{display:block;font-weight:800;font-size:13px;margin-bottom:7px;color:var(--soft)}.field input,.field select,.field textarea{width:100%;border:1px solid var(--line);border-radius:16px;padding:13px 14px;font-size:15px;outline:0;background:#fff}.field textarea{min-height:90px}.full{grid-column:1/-1}.result-box{background:linear-gradient(145deg,#111827,#1f2937);border-radius:24px;padding:22px;color:#fff;box-shadow:0 18px 50px rgba(15,23,42,.2);border-bottom:5px solid var(--green)}.result-box small{color:#cbd5e1;text-transform:uppercase;letter-spacing:.12em}.result-box strong{display:block;font-size:31px;margin:8px 0;word-break:break-word}.formula{margin-top:14px;padding:15px;border:1px solid var(--line);border-radius:18px;background:#f8fafc;color:var(--soft);line-height:1.55}.button-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}.secondary{border:1px solid var(--line);background:#fff;border-radius:14px;padding:11px 14px;font-weight:800;cursor:pointer}.note{font-size:13px;color:var(--muted);line-height:1.5;margin-top:14px}.mini-ad{margin-top:18px}.hidden{display:none}@media(max-width:980px){.hero,.app-layout,.calc-layout{grid-template-columns:1fr}.sidebar{position:static}.tool-grid,.popular-grid,.about-grid{grid-template-columns:repeat(2,1fr)}.desktop{display:none}.top-nav{display:none}}@media(max-width:640px){.tool-grid,.popular-grid,.about-grid,.form-grid{grid-template-columns:1fr}h1{font-size:44px}.modal-card{padding:20px;border-radius:24px}}
.install-btn{margin-left:auto;margin-right:18px;border:1px solid var(--line);background:#fff;color:var(--soft);border-radius:14px;padding:9px 14px;font-weight:800;font-size:13px;cursor:pointer;display:inline-flex;align-items:center;gap:7px;box-shadow:0 6px 20px rgba(15,23,42,.06)}
.install-btn:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.install-btn[hidden]{display:none}
.ios-steps{color:var(--soft);line-height:1.9;padding-left:20px;margin:14px 0}
.ios-steps strong{color:var(--ink)}
@media(max-width:980px){.install-btn{margin-right:0;font-size:12px;padding:8px 11px}}

/* ---- calculator layout, rebuilt around the ANSWER ------------------------
   The previous order put the formula and the legal disclaimer between the
   inputs and the result. On an iPhone 14 viewport that pushed the answer
   entirely below the fold: you pressed Calculate and the screen did not
   appear to change. Named grid areas let one DOM order serve both layouts --
   result in the right column on desktop, directly under the inputs on mobile,
   with the ad last in both.                                                */
.calc-layout{display:grid;grid-template-columns:1fr 280px;gap:20px;margin-top:20px;
  grid-template-areas:
    "form    result"
    "actions result"
    "formula result"
    "note    result"
    "ad      ad";}
.calc-layout>.form-grid{grid-area:form}
.calc-layout>.result-col{grid-area:result}
.calc-layout>.button-row{grid-area:actions}
.calc-layout>.formula{grid-area:formula}
.calc-layout>.note{grid-area:note}
.calc-layout>.mini-ad{grid-area:ad;margin-top:4px}

/* Collapsed by default: useful to the curious, never between a user and their
   answer. */
.formula{border:1px solid var(--line);border-radius:18px;background:#f8fafc;padding:0}
.formula summary{cursor:pointer;padding:13px 15px;font-weight:800;color:var(--soft);font-size:14px;list-style:none}
.formula summary::-webkit-details-marker{display:none}
.formula summary::after{content:" ▾";color:var(--muted)}
.formula[open] summary::after{content:" ▴"}
.formula .formula-body{padding:0 15px 14px;color:var(--soft);line-height:1.55}

/* The result should feel like it updated, without being distracting. */
.result-box{transition:box-shadow .18s ease}
@media (prefers-reduced-motion:no-preference){
  .result-box strong{transition:color .12s ease}
}

@media(max-width:980px){
  .calc-layout{grid-template-columns:1fr;
    grid-template-areas:"form" "result" "actions" "formula" "note" "ad";}
  .result-col{position:sticky;top:8px;z-index:2}
}

/* ---- search results ------------------------------------------------------
   Typing something unmatched used to empty the grid with no explanation --
   a blank void reads as a broken site, not as "no matches".               */
.no-results{grid-column:1/-1;text-align:center;padding:44px 20px;border:1px dashed var(--line);border-radius:24px;background:#fff;color:var(--soft)}
.no-results strong{display:block;font-size:18px;color:var(--ink);margin-bottom:8px}
.no-results p{margin:0;color:var(--muted)}
.linky{border:0;background:none;padding:0;font:inherit;font-weight:800;color:var(--green);cursor:pointer;text-decoration:underline}

/* Novelty calculators keep their place on the site -- they attract links and
   searches the serious tools never will -- but behind a clear divider, so
   they are not sitting beside a home-affordability tool undercutting it. */
.fun-divider{grid-column:1/-1;margin:26px 0 4px;padding-top:22px;border-top:1px solid var(--line)}
.fun-divider h3{margin:0 0 4px;font-size:20px;letter-spacing:-.03em}
.fun-divider p{margin:0;color:var(--muted);font-size:14px}

/* ---- per-calculator page copy -------------------------------------------
   A page that is only a form gives Google ~40 words and no reason to rank it
   over Bankrate. This is where the explanation, worked example and FAQs live. */
.calc-copy{margin-top:34px;max-width:760px}
.calc-copy h2{font-size:26px;letter-spacing:-.03em;margin:0 0 10px}
.calc-copy h3{font-size:18px;margin:24px 0 8px}
.calc-copy p{color:var(--soft);line-height:1.75;margin:0 0 12px}
.calc-copy ol{color:var(--soft);line-height:1.9;padding-left:22px;margin:0}
.faq{margin:0}
.faq dt{font-weight:800;margin-top:16px}
.faq dd{margin:6px 0 0;color:var(--soft);line-height:1.7}
.related{list-style:none;padding:0;margin:8px 0 0;display:flex;flex-wrap:wrap;gap:10px}
.related a{display:inline-block;border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;font-weight:700;font-size:14px;color:var(--soft)}
.related a:hover{background:var(--ink);color:#fff;border-color:var(--ink)}