body.page-overpayment{--color-sand:var(--paper);--color-sand-dark:var(--line);--color-green-50:color-mix(in oklab, var(--bone) 75%, var(--paper));--color-green-300:var(--line-strong);--color-green-500:var(--gold);--color-green-600:var(--gold-deep);--color-green-700:var(--ink);--color-green-800:var(--green-deep);--color-gold-400:var(--gold);--color-gold-500:var(--gold);--color-gold-600:var(--gold-deep);--color-gray:var(--muted);--color-text:var(--ink);--radius-xl:var(--radius);--radius-lg:var(--radius);--shadow-sm:0 4px 16px color-mix(in oklab, var(--green-deep) 30%, transparent);--shadow-md:0 8px 24px color-mix(in oklab, var(--green-deep) 40%, transparent)}.page-overpayment{background:var(--paper)}.op-calculator{padding-bottom:64px}.op-hero{background:var(--green-deep);color:var(--ink);text-align:center;border-bottom:1px solid var(--line);padding:clamp(48px,8vw,80px) 0 clamp(40px,6vw,64px);position:relative;overflow:hidden}.op-hero:before{content:"";background:radial-gradient(circle, color-mix(in oklab, var(--gold) 14%, transparent) 0%, transparent 70%);pointer-events:none;width:600px;height:600px;position:absolute;top:-40%;right:-20%}.op-hero-badge{font-family:var(--font-mono);letter-spacing:.14em;text-transform:uppercase;background:color-mix(in oklab, var(--paper) 35%, transparent);border:1px solid var(--line);color:var(--gold);z-index:1;border-radius:999px;margin-bottom:16px;padding:6px 14px;font-size:11px;font-weight:500;display:inline-block;position:relative}.op-hero h1{font-family:var(--font-display);z-index:1;margin:0 0 16px;font-size:clamp(2rem,5vw,3rem);font-weight:500;line-height:1.15;position:relative}.op-hero-title-sand{color:var(--ink)}.op-hero-title-gold{color:var(--gold)}.op-hero p{max-width:560px;color:var(--ink-soft);z-index:1;margin:0 auto;font-size:1.0625rem;line-height:1.6;position:relative}.op-layout{z-index:1;grid-template-columns:minmax(280px,380px) 1fr;align-items:start;gap:28px;margin-top:-32px;display:grid;position:relative}.op-panel{background:var(--paper-2);border:1px solid var(--line);border-radius:var(--radius-xl);box-shadow:var(--shadow-sm);padding:28px}.op-panel--visual{flex-direction:column;gap:28px;display:flex}.op-inputs{flex-direction:column;gap:22px;display:flex}.op-field label,.op-field-label{color:var(--color-green-700);font-size:.875rem;font-weight:600}.op-field>label,.op-field>.op-field-label{margin-bottom:8px;display:block}.op-control{width:100%;font-family:var(--font-body);color:var(--ink);border:2px solid var(--line);background:var(--bone);transition:border-color var(--transition), box-shadow var(--transition);border-radius:10px;padding:11px 14px;font-size:1rem;font-weight:500}.op-control:focus{border-color:var(--color-green-500);box-shadow:0 0 0 3px var(--color-green-50);outline:none}.op-field select.op-control{cursor:pointer;appearance:none;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-position:right 14px center;background-repeat:no-repeat;padding-right:40px}.op-input-group{border:2px solid var(--line);background:var(--bone);min-width:8.5rem;transition:border-color var(--transition), box-shadow var(--transition);border-radius:10px;align-items:stretch;display:inline-flex;overflow:hidden}.op-input-group--full{width:100%;min-width:0;margin-top:8px;display:flex}.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{font-family:var(--font-display);color:var(--color-green-500);background:var(--color-green-50);border-right:2px solid var(--color-sand-dark);flex-shrink:0;align-items:center;padding:0 12px;font-size:1rem;font-weight:600;display:flex}.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;font-family:var(--font-display);color:var(--color-green-700);text-align:right;background:0 0;border:none;flex:1;padding:11px 12px;font-size:1rem;font-weight:500}.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{-webkit-appearance:none;margin:0}.op-input-group__field[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}.op-field-top{justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px;display:flex}.op-field-top label{margin-bottom:0}.op-field-value{font-family:var(--font-display);color:var(--color-green-500);font-size:1.125rem;font-weight:500}.op-field input[type=range]{width:100%;accent-color:var(--color-green-500);margin-top:2px}.op-rest-badge{background:var(--color-green-50);color:var(--color-green-700);border-radius:999px;margin-top:8px;padding:4px 10px;font-size:.75rem;font-weight:600;display:inline-block}.op-rest-badge--annual{color:#9a6b1a;background:#fef3e2}.op-field-note{color:var(--color-gray);margin:8px 0 0;font-size:.8125rem;line-height:1.5}.op-field-warning{color:#9a6b1a;background:#fef9ee;border-radius:10px;margin:8px 0 0;padding:10px 12px;font-size:.8125rem}.op-term-inputs{gap:12px;margin-top:0;display:flex}.op-term-inputs>div{flex:1;align-items:center;gap:8px;display:flex}.op-term-inputs>div>span{color:var(--color-gray);white-space:nowrap;font-size:.875rem}.op-checkbox{cursor:pointer;align-items:center;gap:10px;margin-top:12px;font-size:.875rem;display:flex}.op-field--term>label{margin-bottom:8px;display:block}.op-segmented{flex-wrap:wrap;gap:6px;margin-top:8px;display:flex}.op-segmented button{border:2px solid var(--line);background:var(--bone);min-width:70px;color:var(--ink-soft);font:inherit;cursor:pointer;transition:background var(--transition), border-color var(--transition), color var(--transition);border-radius:10px;flex:1;padding:10px 12px;font-size:.8125rem;font-weight:600}.op-segmented button.is-active{background:var(--gold);border-color:var(--gold);color:var(--green-deep)}.op-results-hero{grid-template-columns:1fr 1fr;gap:16px;display:grid}.op-stat{flex-direction:column;gap:4px;display:flex}.op-stat--primary{background:var(--color-green-50);border-radius:var(--radius-lg);padding:20px}.op-stat-label{color:var(--color-gray);text-transform:uppercase;letter-spacing:.04em;font-size:.8125rem;font-weight:600}.op-stat-value{font-family:var(--font-display);color:var(--color-green-500);font-size:clamp(1.75rem,4vw,2.25rem);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{border-top:1px solid var(--color-sand-dark);grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;padding-top:8px;display:grid}.op-results-secondary--cols-4{grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.op-results-secondary--cols-4 .op-stat-label{letter-spacing:.03em;font-size:.6875rem}.op-chart-header{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;margin-bottom:12px;display:flex}.op-chart-header h3,.op-term-compare h3{font-family:var(--font-display);color:var(--color-green-500);margin:0;font-size:1.125rem}.op-chart-legend{gap:16px;font-size:.8125rem;display:flex}.op-legend:before{content:"";vertical-align:middle;border-radius:2px;width:12px;height:3px;margin-right:6px;display:inline-block}.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:1px}.op-chart-axis{fill:var(--color-gray);font-size:11px}.op-chart-area--baseline{fill:#8a858014}.op-chart-line{fill:none;stroke-width:2.5px;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:1.5px;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{text-align:center;min-height:200px;color:var(--color-gray);background:var(--color-sand);border-radius:var(--radius-lg);justify-content:center;align-items:center;display:flex}.op-term-row{grid-template-columns:130px 1fr auto;align-items:center;gap:12px;margin-top:12px;display:grid}.op-term-label{color:var(--color-gray);font-size:.8125rem}.op-term-bar-track{background:var(--color-sand);border-radius:999px;height:10px;overflow:hidden}.op-term-bar{border-radius:999px;height:100%;transition:width .3s}.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{color:var(--color-green-700);white-space:nowrap;font-size:.875rem;font-weight:600}.op-term-saved{color:var(--color-text);margin:0;font-size:.9375rem}.op-term-actions{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;margin-top:16px;display:flex}.op-term-actions--solo{justify-content:flex-end}.op-btn-pdf{white-space:nowrap;flex-shrink:0;padding:10px 18px;font-size:.875rem}.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{cursor:pointer;background:var(--color-sand);color:var(--color-green-700);padding:14px 18px;font-weight:600}.op-table-wrap{overflow-x:auto}.op-balance-table table{border-collapse:collapse;width:100%;font-size:.875rem}.op-balance-table th,.op-balance-table td{text-align:left;border-top:1px solid var(--color-sand-dark);padding:10px 18px}.op-balance-table th{background:var(--bone);color:var(--color-green-700);font-weight:600}.op-disclaimer{background:var(--paper-2);border:1px solid var(--line);border-radius:var(--radius-lg);color:var(--color-gray);margin-top:40px;padding:20px 24px;font-size:.8125rem;line-height:1.6}.op-disclaimer p{margin:0 0 10px}.op-disclaimer p:last-child{margin-bottom:0}.op-modal-overlay{z-index:1000;background:#1a202c8c;justify-content:center;align-items:center;padding:24px;display:flex;position:fixed;inset:0}.op-modal{background:#fef9ee;border:1px solid #e8d4a8;border-radius:16px;width:min(100%,480px);padding:28px;box-shadow:0 20px 50px #1a202c33}.op-modal__title{color:#9a6b1a;margin:0 0 12px;font-size:1.25rem}.op-modal__body{color:#5c4a1f;margin:0 0 20px;font-size:.9375rem;line-height:1.6}.op-modal__button{color:#fff;min-width:120px;font:inherit;cursor:pointer;transition:background var(--transition);background:#9a6b1a;border:none;border-radius:10px;justify-content:center;align-items:center;padding:12px 20px;font-size:.9375rem;font-weight:600;display:inline-flex}.op-modal__button:hover{background:#7d5615}@media (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}}