#hlc-calculator *,#hlc-calculator *::before,#hlc-calculator *::after{box-sizing:border-box;margin:0;padding:0}:root{
  --cream:#faf8f4;
  --warm:#f5f0e8;
  --sand:#e8dfc8;
  --brown:#5c4a2a;
  --brown-light:#8c7355;
  --brown-dark:#3d3018;
  --accent:#c17f3a;
  --accent-light:#e8b87a;
  --green:#2d6a4f;
  --green-light:#e8f5ee;
  --red:#c0392b;
  --red-light:#fdf0ee;
  --blue:#1a4f7a;
  --blue-light:#e8f0f8;
  --text:#2c2416;
  --text-mid:#5c4a2a;
  --text-muted:#9c8c72;
  --border:#ddd4bf;
  --border-light:#ede8dc;
  --radius:10px;
  --shadow:0 2px 12px rgba(92,74,42,0.10);
}#hlc-calculator{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--text);min-height:100vh;font-size:15px;line-height:1.6}#hlc-calculator .page-wrap{max-width:920px;margin:0 auto;padding:24px 16px 60px}#hlc-calculator .hero{text-align:center;margin-bottom:28px}#hlc-calculator .hero-badge{display:inline-block;background:var(--accent);color:#fff;font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:4px 14px;border-radius:20px;margin-bottom:12px}#hlc-calculator .hero h1{font-family:'Playfair Display',serif;font-size:clamp(22px,4vw,40px);font-weight:600;color:var(--brown-dark);line-height:1.2;margin-bottom:8px}#hlc-calculator .hero p{color:var(--text-muted);font-size:14px;max-width:520px;margin:0 auto}#hlc-calculator .tabs-nav{display:grid;grid-template-columns:repeat(5,1fr);gap:3px;background:var(--warm);border:1px solid var(--border);border-radius:var(--radius);padding:4px;margin-bottom:22px}#hlc-calculator .tab-btn{padding:10px 4px;border:none;background:transparent;cursor:pointer;border-radius:7px;font-family:'DM Sans',sans-serif;font-size:11px;font-weight:500;color:var(--text-muted);transition:all .2s;display:flex;flex-direction:column;align-items:center;gap:3px;line-height:1.2;text-align:center}#hlc-calculator .tab-btn .tab-icon{font-size:20px}#hlc-calculator .tab-btn.active{background:#fff;color:var(--accent);box-shadow:var(--shadow);font-weight:600}#hlc-calculator .tab-btn:hover:not(.active){background:var(--border-light);color:var(--brown)}#hlc-calculator .tab-panel{display:none}#hlc-calculator .tab-panel.active{display:block}#hlc-calculator .card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px 16px;margin-bottom:16px;box-shadow:var(--shadow)}
@media(min-width:500px){#hlc-calculator .card{padding:22px 24px}}
@media(min-width:700px){#hlc-calculator .card{padding:24px 28px}}#hlc-calculator .card-title{font-family:'Playfair Display',serif;font-size:16px;font-weight:600;color:var(--brown-dark);margin-bottom:16px;display:flex;align-items:center;gap:8px}#hlc-calculator .card-title span{font-size:18px}#hlc-calculator .grid-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}#hlc-calculator .grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}#hlc-calculator .grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
@media(max-width:500px){#hlc-calculator .grid-2{grid-template-columns:1fr}#hlc-calculator .grid-3{grid-template-columns:1fr}#hlc-calculator .grid-4{grid-template-columns:1fr 1fr}}
@media(min-width:501px) and (max-width:700px){#hlc-calculator .grid-3{grid-template-columns:1fr 1fr}#hlc-calculator .grid-4{grid-template-columns:1fr 1fr}}#hlc-calculator .field{display:flex;flex-direction:column;gap:5px}#hlc-calculator .field label{font-size:12px;font-weight:600;color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em}#hlc-calculator .field input, #hlc-calculator .field select{padding:11px 14px;border:1.5px solid var(--border);border-radius:8px;font-family:'DM Sans',sans-serif;font-size:16px;background:#fff;color:var(--text);transition:border-color .2s;outline:none;width:100%}#hlc-calculator .field input:focus, #hlc-calculator .field select:focus{border-color:var(--accent)}#hlc-calculator .field .hint{font-size:11px;color:var(--text-muted)}#hlc-calculator .field-row{display:grid;grid-template-columns:1fr auto;align-items:end;gap:8px}#hlc-calculator .toggle-group{display:flex;gap:0;border:1.5px solid var(--border);border-radius:8px;overflow:hidden;flex-wrap:wrap}#hlc-calculator .toggle-group button{flex:1;min-width:80px;padding:10px 8px;border:none;background:#fff;cursor:pointer;font-family:'DM Sans',sans-serif;font-size:13px;font-weight:500;color:var(--text-muted);transition:all .18s;-webkit-tap-highlight-color:transparent}#hlc-calculator .toggle-group button.on{background:var(--accent);color:#fff;font-weight:600}#hlc-calculator .btn-calc{width:100%;padding:15px;background:var(--accent);color:#fff;border:none;border-radius:10px;font-family:'Playfair Display',serif;font-size:17px;font-weight:500;cursor:pointer;margin-top:10px;transition:background .2s,transform .1s;-webkit-tap-highlight-color:transparent;touch-action:manipulation}#hlc-calculator .btn-calc:hover{background:var(--brown)}#hlc-calculator .btn-calc:active{transform:scale(0.98)}#hlc-calculator .btn-sm{padding:10px 18px;background:var(--warm);border:1.5px solid var(--border);border-radius:7px;font-family:'DM Sans',sans-serif;font-size:14px;font-weight:500;cursor:pointer;color:var(--brown);transition:all .15s;touch-action:manipulation}#hlc-calculator .btn-sm:hover{background:var(--sand)}#hlc-calculator .results-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-bottom:18px}
@media(min-width:500px){#hlc-calculator .results-grid{grid-template-columns:repeat(auto-fit,minmax(150px,1fr))}}#hlc-calculator .result-card{background:var(--warm);border:1px solid var(--border);border-radius:10px;padding:14px 16px;text-align:center}#hlc-calculator .result-card.primary{background:var(--accent);border-color:var(--accent)}#hlc-calculator .result-card.primary .rc-label{color:rgba(255,255,255,.8)}#hlc-calculator .result-card.primary .rc-value{color:#fff}#hlc-calculator .result-card.green{background:var(--green-light);border-color:var(--green)}#hlc-calculator .result-card.green .rc-label{color:var(--green)}#hlc-calculator .result-card.green .rc-value{color:var(--green)}#hlc-calculator .result-card.red{background:var(--red-light);border-color:var(--red)}#hlc-calculator .result-card.red .rc-label{color:var(--red)}#hlc-calculator .result-card.red .rc-value{color:var(--red)}#hlc-calculator .rc-label{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted);margin-bottom:4px}#hlc-calculator .rc-value{font-family:'Playfair Display',serif;font-size:22px;font-weight:600;color:var(--brown-dark)}#hlc-calculator .rc-sub{font-size:11px;color:var(--text-muted);margin-top:2px}#hlc-calculator .chart-wrap{position:relative;width:100%;height:clamp(200px,40vw,280px);min-height:200px;margin-top:8px}#hlc-calculator .divider{border:none;border-top:1px solid var(--border-light);margin:18px 0}#hlc-calculator .info-box{background:var(--blue-light);border:1px solid #c8ddf0;border-radius:8px;padding:12px 16px;font-size:13px;color:var(--blue);margin-top:12px}#hlc-calculator .warn-box{background:#fff8e8;border:1px solid #f0d888;border-radius:8px;padding:12px 16px;font-size:13px;color:#7a5c00;margin-top:12px}#hlc-calculator .good-box{background:var(--green-light);border:1px solid #a8d4be;border-radius:8px;padding:12px 16px;font-size:13px;color:var(--green);margin-top:12px}#hlc-calculator .compare-table{width:100%;border-collapse:collapse;font-size:13px;margin-top:6px}#hlc-calculator .compare-table th{background:var(--warm);padding:9px 10px;text-align:left;font-weight:600;color:var(--brown-dark);border-bottom:2px solid var(--border);font-size:11px;text-transform:uppercase;letter-spacing:.04em}#hlc-calculator .compare-table td{padding:9px 10px;border-bottom:1px solid var(--border-light);color:var(--text);font-size:13px}#hlc-calculator .compare-table tr:last-child td{border-bottom:none}#hlc-calculator .compare-table tr:hover td{background:var(--warm)}#hlc-calculator .compare-table .best{color:var(--green);font-weight:600}#hlc-calculator .compare-table .worst{color:var(--red)}#hlc-calculator .badge{display:inline-block;padding:3px 10px;border-radius:12px;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.04em}#hlc-calculator .badge-green{background:var(--green-light);color:var(--green)}#hlc-calculator .badge-red{background:var(--red-light);color:var(--red)}#hlc-calculator .badge-blue{background:var(--blue-light);color:var(--blue)}#hlc-calculator .badge-amber{background:#fff3d0;color:#8a6200}#hlc-calculator .amort-table-wrap{max-height:380px;overflow-y:auto;overflow-x:auto;border:1px solid var(--border);border-radius:10px;-webkit-overflow-scrolling:touch}#hlc-calculator .amort-table{width:100%;min-width:480px;border-collapse:collapse;font-size:13px}#hlc-calculator .amort-table th{background:var(--warm);padding:9px 12px;text-align:right;font-weight:600;color:var(--brown-dark);border-bottom:2px solid var(--border);position:sticky;top:0;z-index:1;font-size:11px;text-transform:uppercase;letter-spacing:.04em}#hlc-calculator .amort-table th:first-child{text-align:center}#hlc-calculator .amort-table td{padding:8px 12px;border-bottom:1px solid var(--border-light);text-align:right;font-size:12.5px}#hlc-calculator .amort-table td:first-child{text-align:center;font-weight:600;color:var(--text-muted)}#hlc-calculator .amort-table tr:hover td{background:var(--warm)}#hlc-calculator .amort-table .year-row td{background:var(--warm);font-weight:600;color:var(--brown-dark);font-size:13px}#hlc-calculator .section-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--text-muted);margin-bottom:12px;margin-top:20px;padding-bottom:6px;border-bottom:1px solid var(--border-light)}#hlc-calculator .dti-bar{height:10px;background:var(--border);border-radius:5px;overflow:hidden;margin:6px 0}#hlc-calculator .dti-fill{height:100%;border-radius:5px;transition:width .5s}#hlc-calculator .breakdown-list{list-style:none}#hlc-calculator .breakdown-list li{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid var(--border-light);font-size:14px}#hlc-calculator .breakdown-list li:last-child{border-bottom:none;font-weight:700;font-size:15px;padding-top:12px}#hlc-calculator .breakdown-list li .bd-dot{width:10px;height:10px;border-radius:50%;display:inline-block;margin-right:8px}#hlc-calculator .tip{font-size:12px;color:var(--text-muted);font-style:italic;margin-top:6px}#hlc-calculator .range-row{display:flex;align-items:center;gap:10px}#hlc-calculator .range-row input[type=range]{flex:1;accent-color:var(--accent)}#hlc-calculator .range-row span{min-width:72px;font-size:14px;font-weight:600;color:var(--accent);text-align:right}#hlc-calculator .loan-type-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;margin-bottom:18px}
@media(min-width:500px){#hlc-calculator .loan-type-grid{grid-template-columns:repeat(4,1fr)}}#hlc-calculator .loan-type-card{border:2px solid var(--border);border-radius:10px;padding:14px 10px;text-align:center;cursor:pointer;transition:all .2s;background:#fff}#hlc-calculator .loan-type-card.selected{border-color:var(--accent);background:#fff8f0}#hlc-calculator .loan-type-card h4{font-size:14px;font-weight:700;color:var(--brown-dark);margin-bottom:2px}#hlc-calculator .loan-type-card p{font-size:11px;color:var(--text-muted)}#hlc-calculator .loan-type-card .lt-badge{font-size:10px;font-weight:700;display:inline-block;padding:2px 8px;border-radius:8px;margin-bottom:6px;text-transform:uppercase}#hlc-calculator .steps-row{display:flex;gap:10px;margin-bottom:20px;flex-wrap:wrap}#hlc-calculator .step-dot{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--text-muted)}#hlc-calculator .step-dot .dot{width:22px;height:22px;border-radius:50%;background:var(--accent);color:#fff;font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}#hlc-calculator .step-dot .dot.done{background:var(--green)}#hlc-calculator table.comp-detail{width:100%;border-collapse:collapse;font-size:13px}#hlc-calculator table.comp-detail td{padding:8px 12px;vertical-align:top}#hlc-calculator table.comp-detail td:first-child{color:var(--text-muted);font-size:12px;white-space:nowrap;width:46%}#hlc-calculator table.comp-detail td:last-child{font-weight:500;text-align:right}#hlc-calculator .extra-pay-box{background:var(--green-light);border:1px solid #a8d4be;border-radius:10px;padding:16px 20px;margin-top:16px}#hlc-calculator .extra-pay-box h4{font-size:13px;font-weight:700;color:var(--green);margin-bottom:10px;text-transform:uppercase;letter-spacing:.05em}#hlc-calculator .payoff-highlight{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;text-align:center}
@media(max-width:400px){#hlc-calculator .payoff-highlight{grid-template-columns:1fr}}#hlc-calculator .payoff-highlight .ph-item{text-align:center}#hlc-calculator .payoff-highlight .ph-val{font-family:'Playfair Display',serif;font-size:26px;font-weight:600;color:var(--green)}#hlc-calculator .payoff-highlight .ph-label{font-size:11px;color:var(--green);text-transform:uppercase;letter-spacing:.05em}#hlc-calculator .barndo-stage{border-left:3px solid var(--accent);padding-left:16px;margin-bottom:16px}#hlc-calculator .barndo-stage h4{font-size:13px;font-weight:700;color:var(--accent);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px}#hlc-calculator .summary-bar{display:flex;align-items:center;gap:0;border-radius:8px;overflow:hidden;height:32px;margin:14px 0 6px}#hlc-calculator .summary-bar-seg{height:100%;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:600;color:#fff;transition:width .5s;min-width:0;overflow:hidden;white-space:nowrap}#hlc-calculator .legend-row{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:16px}#hlc-calculator .legend-item{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--text-mid)}#hlc-calculator .legend-dot{width:12px;height:12px;border-radius:3px;flex-shrink:0}#hlc-calculator /* ── EXPORT TOOLBAR ─────────────────────────────────────────────────────── */
.export-bar{display:flex;gap:8px;align-items:center;flex-wrap:wrap;padding:12px 16px;background:var(--warm);border:1px solid var(--border);border-radius:10px;margin-bottom:14px}#hlc-calculator .export-bar-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--text-muted);flex:1;min-width:80px}#hlc-calculator .btn-export{display:inline-flex;align-items:center;gap:6px;padding:9px 16px;border-radius:8px;border:1.5px solid var(--border);background:#fff;font-family:'DM Sans',sans-serif;font-size:13px;font-weight:600;cursor:pointer;color:var(--brown-dark);transition:all .15s;white-space:nowrap}#hlc-calculator .btn-export:hover{background:var(--sand);border-color:var(--accent);color:var(--accent)}#hlc-calculator .btn-export.primary{background:var(--accent);color:#fff;border-color:var(--accent)}#hlc-calculator .btn-export.primary:hover{background:var(--brown)}#hlc-calculator .btn-export .btn-icon{font-size:15px}#hlc-calculator .share-toast{position:fixed;bottom:28px;left:50%;transform:translateX(-50%) translateY(20px);background:var(--brown-dark);color:#fff;padding:12px 22px;border-radius:10px;font-size:14px;font-weight:500;opacity:0;pointer-events:none;transition:all .3s;z-index:9999;white-space:nowrap}#hlc-calculator .share-toast.show{opacity:1;transform:translateX(-50%) translateY(0)}#hlc-calculator /* ── PRINT STYLES ───────────────────────────────────────────────────────── */
@media print{#hlc-calculator{background:#fff!important;font-size:13px}#hlc-calculator .tabs-nav, #hlc-calculator .btn-calc, #hlc-calculator .btn-sm, #hlc-calculator .btn-export, #hlc-calculator .export-bar, #hlc-calculator .share-toast{display:none!important}#hlc-calculator .tab-panel{display:block!important}#hlc-calculator .tab-panel:not(.active){display:none!important}#hlc-calculator .page-wrap{max-width:100%;padding:0}#hlc-calculator .card{box-shadow:none!important;border:1px solid #ccc!important;break-inside:avoid;page-break-inside:avoid}#hlc-calculator .chart-wrap{height:220px!important}#hlc-calculator .amort-table-wrap{max-height:none!important;overflow:visible!important}#hlc-calculator .hero-badge{background:#333!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}#hlc-calculator .result-card.primary{background:var(--accent)!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}#hlc-calculator .print-header{display:block!important}
}#hlc-calculator .print-header{display:none;text-align:center;margin-bottom:16px;font-size:12px;color:#666}

/* ── WARM BACKGROUND ENHANCEMENTS ───────────────────────────────────────── */

/* Page background — warm parchment gradient */
#hlc-calculator {
  background: linear-gradient(160deg, #fdf6ec 0%, #f5ede0 40%, #ede3d2 100%) !important;
  min-height: 100vh;
}

/* Hero section — rich warm gradient banner */
#hlc-calculator .hero {
  background: linear-gradient(135deg, #5c3d1e 0%, #8c5e2a 40%, #c17f3a 100%);
  border-radius: 16px;
  padding: 36px 28px 32px;
  margin-bottom: 28px;
  box-shadow: 0 8px 32px rgba(92,61,30,0.22);
  position: relative;
  overflow: hidden;
}
#hlc-calculator .hero::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 200px; height: 200px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
}
#hlc-calculator .hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -20px;
  width: 260px; height: 260px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
}
#hlc-calculator .hero h1 {
  color: #fff !important;
  text-shadow: 0 2px 8px rgba(0,0,0,0.18);
}
#hlc-calculator .hero p {
  color: rgba(255,255,255,0.85) !important;
}
#hlc-calculator .hero-badge {
  background: rgba(255,255,255,0.18) !important;
  color: #fff !important;
  border: 1px solid rgba(255,255,255,0.3);
  backdrop-filter: blur(4px);
}

/* Tabs nav — warm tinted background */
#hlc-calculator .tabs-nav {
  background: linear-gradient(135deg, #f5ede0, #ede3d2) !important;
  border-color: #d4b896 !important;
  box-shadow: 0 2px 8px rgba(92,61,30,0.08);
}
#hlc-calculator .tab-btn.active {
  background: linear-gradient(135deg, #c17f3a, #a86828) !important;
  color: #fff !important;
  box-shadow: 0 3px 12px rgba(193,127,58,0.35) !important;
}
#hlc-calculator .tab-btn.active {
  color: #fff !important;
}

/* Cards — warm white with golden border */
#hlc-calculator .card {
  background: linear-gradient(180deg, #fffdf9 0%, #fdf8f0 100%) !important;
  border-color: #d4b896 !important;
  box-shadow: 0 3px 16px rgba(92,61,30,0.10) !important;
}

/* Result cards */
#hlc-calculator .result-card {
  background: linear-gradient(135deg, #fdf3e3, #f7e8d0) !important;
  border-color: #d4b896 !important;
}
#hlc-calculator .result-card.primary {
  background: linear-gradient(135deg, #c17f3a, #a86828) !important;
  border-color: #a86828 !important;
  box-shadow: 0 4px 16px rgba(193,127,58,0.30) !important;
}
#hlc-calculator .result-card.green {
  background: linear-gradient(135deg, #eaf5ee, #d4ecdb) !important;
}
#hlc-calculator .result-card.red {
  background: linear-gradient(135deg, #fdf0ee, #f7ddd9) !important;
}

/* Calculate buttons */
#hlc-calculator .btn-calc {
  background: linear-gradient(135deg, #c17f3a, #a86828) !important;
  box-shadow: 0 4px 14px rgba(193,127,58,0.35) !important;
  letter-spacing: 0.02em;
}
#hlc-calculator .btn-calc:hover {
  background: linear-gradient(135deg, #a86828, #8c5518) !important;
  box-shadow: 0 6px 20px rgba(193,127,58,0.45) !important;
  transform: translateY(-1px);
}

/* Section labels */
#hlc-calculator .section-label {
  color: #8c5e2a !important;
  border-bottom-color: #d4b896 !important;
}

/* Input focus */
#hlc-calculator .field input:focus,
#hlc-calculator .field select:focus {
  border-color: #c17f3a !important;
  box-shadow: 0 0 0 3px rgba(193,127,58,0.15) !important;
}

/* Extra pay box */
#hlc-calculator .extra-pay-box {
  background: linear-gradient(135deg, #eaf5ee, #d4ecdb) !important;
}

/* Export bar */
#hlc-calculator .export-bar {
  background: linear-gradient(135deg, #fdf3e3, #f5e8d0) !important;
  border-color: #d4b896 !important;
}

/* Table headers */
#hlc-calculator .amort-table th,
#hlc-calculator .compare-table th {
  background: linear-gradient(135deg, #fdf3e3, #f0e0c8) !important;
  color: #5c3d1e !important;
}

/* Loan type cards */
#hlc-calculator .loan-type-card.selected {
  border-color: #c17f3a !important;
  background: linear-gradient(135deg, #fff8f0, #fdf0e0) !important;
  box-shadow: 0 2px 10px rgba(193,127,58,0.20) !important;
}