*{box-sizing:border-box;margin:0;padding:0}
:root{--bg:#f4f7f6;--surface:#fff;--surface-2:#f8faf9;--text:#152421;--muted:#62736f;--border:#d9e3e0;--primary:#0f766e;--primary-2:#115e59;--accent:#2563eb;--success:#15803d;--danger:#b91c1c;--warning:#a16207;--shadow:0 14px 36px rgba(20,55,48,.08)}
[data-theme="dark"]{--bg:#0c1514;--surface:#13211f;--surface-2:#0f1b19;--text:#e6f1ee;--muted:#9eb1ac;--border:#2a4540;--primary:#5eead4;--primary-2:#99f6e4;--accent:#93c5fd;--success:#86efac;--danger:#fca5a5;--warning:#fde68a;--shadow:0 16px 42px rgba(0,0,0,.3)}
html{scroll-behavior:smooth}body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Noto Sans TC",sans-serif;background:var(--bg);color:var(--text);line-height:1.62}button,input,select,textarea{font:inherit}a{color:var(--primary);text-decoration:none}a:hover{text-decoration:underline}
header{background:linear-gradient(125deg,#0f172a,#0f766e 65%,#2563eb);color:#fff}.header-inner{max-width:1120px;height:64px;margin:auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:10px;color:#fff;font-size:18px;font-weight:800}.brand:hover{text-decoration:none}.brand-mark{width:23px;height:23px;display:grid;grid-template-columns:repeat(3,1fr);gap:2px;padding:3px;border:2px solid currentColor;border-radius:5px}.brand-mark span{background:currentColor;border-radius:1px}.header-actions{display:flex;align-items:center;gap:9px}.header-actions a,.theme-toggle{height:38px;border:1px solid rgba(255,255,255,.32);background:rgba(255,255,255,.12);color:#fff;border-radius:9px;padding:0 12px;display:grid;place-items:center;font-weight:750;cursor:pointer}.theme-toggle{width:38px;padding:0}.theme-glyph{width:17px;height:17px;border:2px solid currentColor;border-radius:50%;position:relative}.theme-glyph::after{content:"";position:absolute;width:7px;height:12px;background:#1a6362;right:-3px;top:-3px;border-radius:50%}
[data-theme="dark"] .theme-glyph{border-radius:50%;box-shadow:0 -7px 0 -5px currentColor,0 7px 0 -5px currentColor,7px 0 0 -5px currentColor,-7px 0 0 -5px currentColor}[data-theme="dark"] .theme-glyph::after{display:none}
.container{max-width:1120px;margin:auto;padding:24px 20px 52px}.breadcrumb{display:flex;flex-wrap:wrap;gap:7px;color:var(--muted);font-size:13px;margin-bottom:20px}.breadcrumb a{color:var(--muted)}
.hero{text-align:center;max-width:800px;margin:20px auto 30px}.eyebrow{text-transform:uppercase;letter-spacing:.1em;font-size:12px;font-weight:850;color:var(--primary)}.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.16;margin:8px 0 12px}.hero p{color:var(--muted);font-size:17px}.trust-note{display:inline-flex;margin-top:14px;padding:6px 12px;border-radius:999px;background:color-mix(in srgb,var(--primary) 11%,transparent);color:var(--primary);font-size:13px;font-weight:750}
.workspace{display:grid;grid-template-columns:minmax(0,1fr) minmax(360px,.86fr);gap:20px;align-items:start}.panel{background:var(--surface);border:1px solid var(--border);border-radius:18px;box-shadow:var(--shadow);padding:24px}.panel h2{font-size:21px}.panel-intro{color:var(--muted);font-size:14px;margin:4px 0 18px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field.full{grid-column:1/-1}.field label{display:block;font-size:13px;font-weight:760;margin-bottom:6px}.input,.select,.textarea{width:100%;border:1.5px solid var(--border);border-radius:10px;background:var(--surface-2);color:var(--text);padding:11px 12px}.input:focus,.select:focus,.textarea:focus{outline:0;border-color:var(--primary);box-shadow:0 0 0 3px color-mix(in srgb,var(--primary) 15%,transparent)}.textarea{min-height:76px;resize:vertical;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:13px}.hint{display:block;color:var(--muted);font-size:11px;margin-top:4px}
.section-title{font-size:15px;font-weight:820;margin:22px 0 12px;padding-top:18px;border-top:1px solid var(--border)}.check-row{display:flex;align-items:center;gap:9px;font-size:14px;font-weight:750;margin-top:18px}.check-row input{width:18px;height:18px;accent-color:var(--primary)}.refinance-panel{margin-top:12px;padding:15px;border:1px solid var(--border);background:var(--surface-2);border-radius:12px}.actions{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}.btn{border:0;border-radius:10px;padding:10px 16px;font-weight:780;cursor:pointer}.btn-primary{background:var(--primary);color:#fff}.btn-primary:hover{background:var(--primary-2)}.btn-secondary{background:var(--surface-2);color:var(--text);border:1px solid var(--border)}.btn:disabled{opacity:.5;cursor:not-allowed}.status{min-height:24px;margin-top:10px;font-size:13px}.status.error{color:var(--danger)}.status.success{color:var(--success)}
.results[hidden],.refinance-panel[hidden],.details-panel[hidden]{display:none}.summary-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.metric{padding:14px;border:1px solid var(--border);border-radius:12px;background:var(--surface-2)}.metric-label{color:var(--muted);font-size:12px}.metric-value{font-size:22px;font-weight:850;line-height:1.3;margin-top:3px}.metric-value.good{color:var(--success)}.metric-value.warn{color:var(--warning)}.comparison{margin-top:16px;border:1px solid var(--border);border-radius:12px;overflow:hidden}.compare-row{display:grid;grid-template-columns:1.25fr 1fr 1fr;gap:8px;padding:9px 11px;border-bottom:1px solid var(--border);font-size:13px}.compare-row:last-child{border-bottom:0}.compare-row:first-child{font-weight:800;background:var(--surface-2)}.compare-row span:not(:first-child){text-align:right}.result-note{color:var(--muted);font-size:12px;margin-top:12px}.balance-chart{width:100%;height:190px;margin-top:18px;display:block;background:var(--surface-2);border:1px solid var(--border);border-radius:12px}.chart-grid{stroke:var(--border);stroke-width:1}.chart-base{stroke:var(--muted);stroke-width:2;fill:none}.chart-fast{stroke:var(--primary);stroke-width:3;fill:none}.chart-label{fill:var(--muted);font-size:11px}.legend{display:flex;gap:16px;color:var(--muted);font-size:12px;margin-top:7px}.legend span::before{content:"";display:inline-block;width:18px;height:3px;margin-right:6px;vertical-align:middle;background:var(--muted)}.legend .fast::before{background:var(--primary)}
.schedule-panel{margin-top:20px}.schedule-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:10px}.schedule-head h2{font-size:21px}.table-wrap{overflow:auto;border:1px solid var(--border);border-radius:14px;background:var(--surface)}table{width:100%;border-collapse:collapse;min-width:980px;font-size:12px}th,td{padding:9px 10px;text-align:right;border-bottom:1px solid var(--border);white-space:nowrap}th{position:sticky;top:0;background:var(--surface-2);z-index:1;color:var(--muted);font-weight:800}th:first-child,th:nth-child(2),td:first-child,td:nth-child(2){text-align:left}tbody tr:last-child td{border-bottom:0}tbody tr:hover{background:color-mix(in srgb,var(--primary) 5%,transparent)}
.content{max-width:900px;margin:44px auto 0}.content h2{text-align:center;font-size:25px;margin-bottom:18px}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.feature{padding:18px;background:var(--surface);border:1px solid var(--border);border-radius:14px}.feature strong{display:block;margin-bottom:5px}.feature p{color:var(--muted);font-size:14px}.faq-item{background:var(--surface);border:1px solid var(--border);border-radius:12px;margin-bottom:10px;overflow:hidden}.faq-question{width:100%;border:0;background:transparent;color:var(--text);padding:15px 17px;text-align:left;font-weight:760;display:flex;justify-content:space-between;cursor:pointer}.faq-question::after{content:"+";font-size:19px;line-height:1}.faq-question[aria-expanded="true"]::after{content:"−"}.faq-answer{padding:0 17px 15px;color:var(--muted);font-size:14px}
footer{border-top:1px solid var(--border);padding:25px 20px;text-align:center;color:var(--muted);font-size:13px}footer nav{margin-bottom:5px}footer a{color:var(--muted);margin:0 7px}
@media(max-width:900px){.workspace{grid-template-columns:1fr}.results-panel{order:2}}
@media(max-width:600px){.container{padding:18px 13px 40px}.header-inner{padding:0 13px}.brand{font-size:15px}.brand-text-short{display:none}.panel{padding:18px}.form-grid,.summary-grid,.feature-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.compare-row{grid-template-columns:1.1fr 1fr 1fr;font-size:11px;padding:8px}.metric-value{font-size:20px}.hero p{font-size:15px}.schedule-head{align-items:flex-start;flex-direction:column}}
@media print{header,.breadcrumb,.hero,.calculator-panel,.actions,.schedule-head .btn,.content,footer,.result-note{display:none!important}body{background:#fff;color:#111}.container{max-width:none;padding:0}.workspace{display:block}.panel,.table-wrap{box-shadow:none;border:1px solid #ccc}.schedule-panel{break-before:page}th{position:static}.results-panel{display:block}table{font-size:9px;min-width:0}}