/* Self-hosted fonts; see /assets/fonts/*-OFL.txt for licenses. */
@font-face{font-family:'DM Sans';font-style:normal;font-weight:400 800;font-display:swap;src:url('/assets/fonts/dm-sans-latin.woff2') format('woff2')}
@font-face{font-family:'Fraunces';font-style:normal;font-weight:500;font-display:swap;src:url('/assets/fonts/fraunces-normal.woff2') format('woff2')}
@font-face{font-family:'Fraunces';font-style:italic;font-weight:400;font-display:swap;src:url('/assets/fonts/fraunces-italic.woff2') format('woff2')}
/* PYMTW Tools - shared styles. One accent, big type, lots of white space. */
:root{--ink:#0b0b0c;--ink-2:#3a3a3f;--ink-3:#6e6e75;--line:#e8e8ec;--bg:#fff;--bg-2:#f6f6f8;--accent:#0a7c55;--accent-2:#0f9d6c;--accent-soft:#e7f4ee;--warn:#b4541a;--radius:22px;
--font:-apple-system,BlinkMacSystemFont,"SF Pro Display","Inter","Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;line-height:1.5}
a{color:inherit;text-decoration:none}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.narrow{max-width:760px;margin:0 auto;padding:0 24px}
nav{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.82);backdrop-filter:saturate(180%) blur(18px);-webkit-backdrop-filter:saturate(180%) blur(18px);border-bottom:1px solid rgba(0,0,0,.05)}
nav .wrap{display:flex;align-items:center;justify-content:space-between;height:60px}
.logo{font-weight:700;letter-spacing:-.02em;font-size:18px;display:flex;align-items:center;gap:10px}
.logo-mark{width:26px;height:26px;border-radius:8px;background:var(--accent);display:grid;place-items:center;color:#fff;font-size:13px;font-weight:800}
.logo .dim{color:var(--ink-3);font-weight:500}
.nav-links{display:flex;gap:28px;font-size:14px;color:var(--ink-2)}
.nav-links a:hover{color:var(--ink)}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;color:var(--accent);background:var(--accent-soft);padding:6px 14px;border-radius:999px;margin-bottom:22px}
h1{font-size:clamp(38px,6vw,68px);line-height:1.04;letter-spacing:-.045em;font-weight:700}
h1 em{font-style:normal;color:var(--accent)}
h2{font-size:clamp(28px,4vw,44px);letter-spacing:-.035em;line-height:1.08;font-weight:700}
.sub{font-size:clamp(17px,2vw,21px);color:var(--ink-3);margin-top:18px;letter-spacing:-.01em}
.tool-hero{padding:72px 0 28px}
.privacy{display:inline-flex;gap:8px;align-items:center;margin-top:20px;font-size:13px;color:var(--ink-3)}
.privacy::before{content:"🔒"}
/* Wizard */
.wizard{margin:28px auto 0;background:var(--bg-2);border-radius:var(--radius);padding:34px}
.progress{height:4px;background:var(--line);border-radius:4px;overflow:hidden;margin-bottom:28px}
.progress i{display:block;height:100%;width:0;background:var(--accent);transition:width .35s ease}
.step{display:none;border:0;animation:rise .35s ease}
.step.on{display:block}
.wizard.all .step{display:block;margin-bottom:28px}
.step legend,.q{font-size:clamp(22px,3vw,30px);font-weight:700;letter-spacing:-.025em;line-height:1.15;margin-bottom:8px;display:block}
.hint{color:var(--ink-3);font-size:15px;margin-bottom:20px}
.field{display:block;margin-bottom:16px}
.field>span{display:block;font-size:14px;font-weight:600;color:var(--ink-2);margin:0 0 7px 4px}
.inp{display:flex;align-items:center;background:#fff;border:1.5px solid var(--line);border-radius:16px;padding:0 16px;transition:border-color .2s,box-shadow .2s}
.inp:focus-within{border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft)}
.inp b{color:var(--ink-3);font-weight:500;font-size:18px}
.inp input,.inp select{flex:1;border:0;outline:0;font:inherit;font-size:20px;padding:14px 8px;background:transparent;min-width:0;color:var(--ink)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
.nav-btns{display:flex;gap:10px;justify-content:space-between;align-items:center;margin-top:26px}
.btn{border:0;cursor:pointer;background:var(--ink);color:#fff;font:inherit;font-weight:600;font-size:16px;height:52px;padding:0 26px;border-radius:15px;transition:transform .15s,background .2s;display:inline-flex;align-items:center;justify-content:center}
.btn:hover{background:var(--accent)}.btn:active{transform:scale(.97)}
.btn.ghost{background:transparent;color:var(--ink-2);border:1.5px solid var(--line)}
.btn.ghost:hover{border-color:var(--ink);background:transparent}
.btn.accent{background:var(--accent)}
.linkbtn{background:none;border:0;font:inherit;color:var(--accent);font-weight:600;cursor:pointer;font-size:14px}
.stepcount{font-size:13px;color:var(--ink-3)}
.seg{display:flex;flex-wrap:wrap;gap:8px}
.seg label{cursor:pointer}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:inline-block;border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:10px 18px;font-size:15px;color:var(--ink-2)}
.seg input:checked+span{border-color:var(--accent);color:var(--accent);background:var(--accent-soft);font-weight:600}
/* Tables */
.tbl{width:100%;border-collapse:collapse;font-size:15px}
.tbl th{text-align:left;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-3);font-weight:600;padding:8px 6px;border-bottom:1px solid var(--line)}
.tbl td{padding:10px 6px;border-bottom:1px solid var(--line);vertical-align:middle}
.tbl td.n,.tbl th.n{text-align:right;font-variant-numeric:tabular-nums}
.tbl input{width:100%;border:1.5px solid var(--line);border-radius:10px;padding:9px 10px;font:inherit;font-size:16px;background:#fff}
.tbl input:focus{outline:0;border-color:var(--accent)}
.x{background:none;border:0;color:var(--ink-3);cursor:pointer;font-size:18px}
.scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
/* Drop zone */
.drop{display:block;border:2px dashed #cfcfd6;border-radius:var(--radius);padding:40px 20px;text-align:center;background:#fff;cursor:pointer;transition:border-color .2s,background .2s}
.drop:hover,.drop.over{border-color:var(--accent);background:var(--accent-soft)}
.drop strong{display:block;font-size:19px;letter-spacing:-.01em}
.drop small{color:var(--ink-3)}
.drop input{display:none}
/* Results */
.results{scroll-margin-top:64px;display:none;padding:40px 0 20px}
.results.show{display:block;animation:rise .4s ease}
.big{font-size:clamp(44px,8vw,84px);font-weight:700;letter-spacing:-.05em;line-height:1;color:var(--accent)}
.big-label{font-size:14px;font-weight:600;color:var(--ink-3);text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}
.sentence{font-size:clamp(19px,2.4vw,24px);letter-spacing:-.015em;line-height:1.4;margin-top:18px;color:var(--ink)}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}
.stat{background:var(--bg-2);border-radius:18px;padding:18px 20px}
.stat small{display:block;font-size:13px;color:var(--ink-3);font-weight:500}
.stat b{display:block;font-size:24px;letter-spacing:-.02em;margin-top:2px;font-variant-numeric:tabular-nums}
.card{background:var(--bg-2);border-radius:var(--radius);padding:26px;margin-top:20px}
.card h3{font-size:20px;letter-spacing:-.02em;margin-bottom:12px}
.chart{width:100%;margin-top:24px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 14px 12px}
.chart svg{display:block;width:100%;height:auto;overflow:visible}
.legend{display:flex;flex-wrap:wrap;gap:16px;font-size:13px;color:var(--ink-2);padding:0 8px 6px}
.legend i{display:inline-block;width:12px;height:12px;border-radius:4px;margin-right:6px;vertical-align:-1px}
.next{display:flex;gap:16px;align-items:center;justify-content:space-between;background:var(--ink);color:#fff;border-radius:var(--radius);padding:24px 26px;margin-top:20px;flex-wrap:wrap}
.next .k{font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:#9fe3c6;font-weight:700}
.next p{font-size:18px;letter-spacing:-.01em;margin-top:4px;max-width:520px}
.next a{background:#fff;color:var(--ink);font-weight:600;padding:12px 20px;border-radius:13px;white-space:nowrap}
.checklist{list-style:none}
.checklist li{position:relative;padding:12px 0 12px 34px;border-bottom:1px solid var(--line);color:var(--ink-2)}
.checklist li:last-child{border-bottom:0}
.checklist li::before{content:"";position:absolute;left:0;top:14px;width:20px;height:20px;border:2px solid var(--accent);border-radius:7px}
.checklist li b{color:var(--ink)}
.pill{display:inline-block;font-size:12px;font-weight:700;padding:3px 10px;border-radius:999px;background:var(--accent-soft);color:var(--accent)}
.pill.grey{background:var(--line);color:var(--ink-2)}
.note{font-size:13px;color:var(--ink-3);margin-top:28px;padding:16px 18px;border-radius:16px;border:1px solid var(--line);line-height:1.6}
.note strong{color:var(--ink-2)}
.err{color:var(--warn);font-size:14px;margin-top:10px;min-height:1em}
.again{margin-top:18px}
/* Coming soon */
.soon{padding:96px 0 40px;text-align:center}
.soon .icon{font-size:56px}
.soon ul{list-style:none;max-width:520px;margin:30px auto 0;text-align:left}
.soon li{padding:12px 0 12px 30px;border-bottom:1px solid var(--line);position:relative;color:var(--ink-2)}
.soon li::before{content:"→";position:absolute;left:4px;color:var(--accent);font-weight:700}
footer{background:var(--bg-2);padding:48px 0 36px;font-size:14px;color:var(--ink-3);margin-top:72px}
footer .top{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap}
footer .brand{max-width:440px}
footer .brand strong{color:var(--ink);font-size:17px;display:block;margin-bottom:8px}
footer .brand a{color:var(--accent);font-weight:600}
footer .links{display:flex;gap:24px;flex-wrap:wrap}
footer .links a:hover{color:var(--ink)}
footer .legal{border-top:1px solid var(--line);margin-top:32px;padding-top:20px;font-size:12px;line-height:1.6}
@keyframes rise{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
@media (max-width:640px){
  .nav-links a.hide-sm{display:none}
  .nav-links{gap:16px}
  .tool-hero{padding:44px 0 16px}
  .wizard{padding:22px 18px;border-radius:20px}
  .row2,.row3{grid-template-columns:1fr;gap:0}
  .stats{grid-template-columns:1fr 1fr}
  .btn{padding:0 20px}
  .next a{width:100%;text-align:center}
}
@media print{nav,.wizard,footer,.next a{display:none}}

/* Share */
.share-box{margin-top:20px;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;background:#fff}
.share-row{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.share-note{font-size:14px;color:var(--ink-3);flex:1;min-width:200px}
.share-sheet{margin-top:18px}
.share-img{display:block;width:100%;border-radius:16px;box-shadow:0 24px 50px -30px rgba(0,0,0,.45)}
.share-opts{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.share-opts .btn{height:46px;font-size:15px}
.share-msg{font-size:14px;color:var(--accent);font-weight:600;margin-top:10px;min-height:1em}
@media (max-width:640px){.share-row .btn{width:100%}.share-opts .btn{flex:1 1 45%}}

/* Newsletter (beehiiv) */
.newsletter{padding:72px 0;background:var(--bg);border-top:1px solid var(--line)}
.newsletter-inner{display:grid;grid-template-columns:1.05fr 1fr;gap:40px;align-items:center;background:linear-gradient(160deg,var(--accent-soft) 0%,#fff 55%);border:1px solid #d7ebe2;border-radius:28px;padding:40px 44px;box-shadow:0 24px 50px -36px rgba(10,124,85,.35)}
.newsletter-copy .kicker{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}
.newsletter-copy h2{font-size:clamp(28px,3.6vw,40px);letter-spacing:-.035em;line-height:1.1;font-weight:700;max-width:18ch}
.newsletter-sub{margin-top:12px;font-size:17px;color:var(--ink-2)}
.newsletter-archive{margin-top:16px;font-size:14px}
.newsletter-archive a{color:var(--accent);font-weight:600}
.newsletter-archive a:hover{text-decoration:underline}
.newsletter-form{min-height:363px;display:flex;align-items:center;justify-content:center}
.newsletter-form iframe,.newsletter-form [data-beehiiv-form],.newsletter-form > div{width:100%!important;max-width:100%}
footer .privacy-note{font-size:13px;color:var(--ink-3);line-height:1.55;margin:0 0 14px;max-width:64ch}
footer .privacy-note a{color:var(--accent)}
@media (max-width:760px){
  .newsletter{padding:48px 0}
  .newsletter-form{min-height:447px}
  .newsletter-inner{grid-template-columns:1fr;gap:24px;padding:28px 22px;border-radius:22px}
}
@media print{.newsletter{display:none}}

/* Direct answer, FAQ and related links (SEO / answer readiness) */
.direct-answer{margin:16px 0 0;font-size:17px;line-height:1.6;color:var(--ink-2);max-width:62ch}
.hero .direct-answer,.soon .direct-answer,.ck-hero .direct-answer{margin-left:auto;margin-right:auto}
.seo-extra{padding:56px 0 8px}
.seo-extra h2{font-size:clamp(24px,3vw,30px);letter-spacing:-.02em;margin-bottom:14px}
.faq .qa{padding:18px 0;border-bottom:1px solid var(--line)}
.faq .qa:last-child{border-bottom:0}
.faq h3{font-size:18px;letter-spacing:-.01em;line-height:1.35}
.faq p{color:var(--ink-2);margin-top:6px;font-size:16px;line-height:1.6}
.related{margin-top:40px}
.related ul{list-style:none;padding:0;margin:0;display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.related a{display:block;height:100%;background:var(--bg-2);border-radius:18px;padding:18px 20px;transition:transform .25s,background .25s}
.related a:hover{transform:translateY(-3px);background:var(--accent-soft)}
.related b{display:block;font-size:17px;letter-spacing:-.015em;color:var(--ink)}
.related span{display:block;font-size:14px;color:var(--ink-3);margin-top:4px;line-height:1.45}
/* Show the first wizard step before JS runs, to avoid a layout shift on load */
.wizard:not(:has(.step.on)) .step:first-of-type{display:block}

/* Audit: prevent intrinsic fieldset/input sizing from widening small screens. */
fieldset,.row2>*,.row3>*{min-width:0}.inp input{min-width:0;width:100%}.tbl .x{min-width:44px;min-height:44px}
.result-newsletter{border:1px solid var(--line);border-radius:14px;padding:24px;margin:24px 0;background:var(--bg-2)}.result-newsletter h2{font-size:25px;letter-spacing:-.025em}.result-newsletter p{font-size:14px;color:var(--ink-2);margin:12px 0}.result-newsletter a{display:inline-flex;align-items:center;min-height:44px;color:var(--accent);text-decoration:underline;font-weight:600}.checkup-newsletter{display:none}.rp.show+.checkup-newsletter{display:block}.checkup-newsletter .result-newsletter{max-width:760px;margin:24px auto}
@media(max-width:590px){#debts thead{position:absolute;clip:rect(0,0,0,0);width:1px;height:1px;overflow:hidden}#debts,#debts tbody,#debts tr,#debts td{display:block;width:100%}#debts tr{border:1px solid var(--line);padding:12px;border-radius:12px;margin-bottom:12px}#debts td{padding:6px 0;border:0;text-align:left}#debts td:before{display:block;font-size:13px;font-weight:600;margin-bottom:5px}#debts td:nth-child(1):before{content:'Name'}#debts td:nth-child(2):before{content:'Balance'}#debts td:nth-child(3):before{content:'APR %'}#debts td:nth-child(4):before{content:'Minimum payment'}#debts td:last-child{text-align:right}.checkup-newsletter{padding:0 24px}}