#calc-dscr-refinance-calculator{--primary:#0d9488;--primary-light:#14b8a6;--primary-dark:#0f766e;--primary-bg:#f0fdfa;--accent:#0891b2;--accent-light:#22d3ee;--success:#10b981;--success-bg:#ecfdf5;--warning:#f59e0b;--warning-bg:#fffbeb;--danger:#ef4444;--danger-bg:#fef2f2;--neutral-50:#f9fafb;--neutral-100:#f3f4f6;--neutral-200:#e5e7eb;--neutral-300:#d1d5db;--neutral-500:#6b7280;--neutral-600:#4b5563;--neutral-700:#374151;--neutral-800:#1f2937}#calc-dscr-refinance-calculator{max-width:720px;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}#calc-dscr-refinance-calculator .calc-header{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);padding:1.5rem 1.75rem;margin:-1.5rem -1.5rem 0 -1.5rem;border-radius:8px 8px 0 0;text-align:center}#calc-dscr-refinance-calculator .calc-title{color:#fff;font-size:1.5rem;font-weight:700;margin:0;display:flex;align-items:center;justify-content:center;gap:.6rem}#calc-dscr-refinance-calculator .calc-title::before{content:'🔄';font-size:1.75rem}#calc-dscr-refinance-calculator .calc-description{color:rgb(255 255 255 / .9);margin:.5rem 0 0 0;font-size:.95rem}#calc-dscr-refinance-calculator .calc-inputs{padding-top:1.5rem}#calc-dscr-refinance-calculator .calc-field{margin-bottom:1.25rem}#calc-dscr-refinance-calculator .calc-field label{display:block;font-weight:600;color:var(--neutral-700);margin-bottom:.4rem;font-size:.9rem}#calc-dscr-refinance-calculator .calc-field input,#calc-dscr-refinance-calculator .calc-field select{width:100%;padding:.75rem 1rem;border:2px solid var(--neutral-200);border-radius:8px;font-size:1rem;transition:all 0.2s ease;box-sizing:border-box;background:#fff;color:var(--neutral-800)}#calc-dscr-refinance-calculator .calc-field input:focus,#calc-dscr-refinance-calculator .calc-field select:focus{outline:none;border-color:var(--primary-light);box-shadow:0 0 0 3px rgb(20 184 166 / .15)}#calc-dscr-refinance-calculator .calc-help{display:block;font-size:.8rem;color:var(--neutral-500);margin-top:.3rem}#calc-dscr-refinance-calculator .calc-actions{display:flex;gap:.75rem;margin-top:1.5rem}#calc-dscr-refinance-calculator .calc-submit{flex:1;background:linear-gradient(135deg,var(--primary-light) 0%,var(--primary) 100%);color:#fff;border:none;padding:1rem 1.5rem;font-size:1.1rem;font-weight:600;border-radius:8px;cursor:pointer;transition:all 0.2s ease;box-shadow:0 4px 12px rgb(13 148 136 / .3)}#calc-dscr-refinance-calculator .calc-submit:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgb(13 148 136 / .4)}#calc-dscr-refinance-calculator .calc-reset{background:var(--neutral-100);color:var(--neutral-600);border:1px solid var(--neutral-200);padding:1rem 1.25rem;font-size:1rem;border-radius:8px;cursor:pointer}#calc-dscr-refinance-calculator .calc-results{background:var(--neutral-50);border:1px solid var(--neutral-200);border-radius:12px;padding:1.5rem;margin-top:1.5rem}#calc-dscr-refinance-calculator .comparison-panel{background:#fff;border-radius:12px;padding:1.25rem;margin-bottom:1.5rem;box-shadow:0 2px 8px rgb(0 0 0 / .06);overflow:hidden}#calc-dscr-refinance-calculator .comparison-header{margin-bottom:1rem}#calc-dscr-refinance-calculator .comparison-header h3{margin:0;font-size:1.1rem;color:var(--neutral-800)}#calc-dscr-refinance-calculator .comparison-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:0}#calc-dscr-refinance-calculator .comparison-column{padding:.5rem}#calc-dscr-refinance-calculator .column-header{font-weight:700;font-size:.85rem;text-transform:uppercase;letter-spacing:.5px;padding:.5rem;margin-bottom:.5rem;border-radius:6px;text-align:center}#calc-dscr-refinance-calculator .current-column .column-header{background:var(--neutral-100);color:var(--neutral-600)}#calc-dscr-refinance-calculator .new-column .column-header{background:var(--primary-bg);color:var(--primary-dark)}#calc-dscr-refinance-calculator .change-column{display:flex;flex-direction:column;align-items:center;padding-top:2.5rem}#calc-dscr-refinance-calculator .comparison-row{display:flex;justify-content:space-between;align-items:center;padding:.5rem;border-bottom:1px solid var(--neutral-100);min-height:40px}#calc-dscr-refinance-calculator .comparison-row:last-child{border-bottom:none}#calc-dscr-refinance-calculator .row-label{font-size:.8rem;color:var(--neutral-500)}#calc-dscr-refinance-calculator .row-value{font-weight:600;font-size:.95rem;color:var(--neutral-800)}#calc-dscr-refinance-calculator .row-value.highlight{color:var(--primary)}#calc-dscr-refinance-calculator .row-value.dscr-value{font-weight:700}#calc-dscr-refinance-calculator .row-value small{font-weight:400;font-size:.75rem;opacity:.8}#calc-dscr-refinance-calculator .change-indicator{width:28px;height:28px;display:flex;align-items:center;justify-content:center;border-radius:50%;font-size:.9rem;font-weight:700}#calc-dscr-refinance-calculator .change-indicator.better{background:var(--success-bg);color:var(--success)}#calc-dscr-refinance-calculator .change-indicator.worse{background:var(--danger-bg);color:var(--danger)}#calc-dscr-refinance-calculator .change-indicator.neutral{background:var(--neutral-100);color:var(--neutral-500)}#calc-dscr-refinance-calculator .cashout-panel{background:#fff;border-radius:12px;padding:1.25rem;margin-bottom:1.5rem;box-shadow:0 2px 8px rgb(0 0 0 / .06)}#calc-dscr-refinance-calculator .cashout-header h3{margin:0 0 1rem 0;font-size:1.1rem;color:var(--neutral-800)}#calc-dscr-refinance-calculator .cashout-breakdown{background:var(--neutral-50);border-radius:8px;padding:1rem}#calc-dscr-refinance-calculator .cashout-row{display:flex;justify-content:space-between;align-items:center;padding:.6rem 0;border-bottom:1px dashed var(--neutral-200)}#calc-dscr-refinance-calculator .cashout-row:last-child{border-bottom:none}#calc-dscr-refinance-calculator .cashout-row.total{border-top:2px solid var(--neutral-300);border-bottom:none;margin-top:.5rem;padding-top:1rem}#calc-dscr-refinance-calculator .cashout-label{font-size:.9rem;color:var(--neutral-600)}#calc-dscr-refinance-calculator .cashout-row.total .cashout-label{font-weight:700;color:var(--neutral-800)}#calc-dscr-refinance-calculator .cashout-value{font-weight:700;font-size:1rem}#calc-dscr-refinance-calculator .cashout-value.positive{color:var(--success)}#calc-dscr-refinance-calculator .cashout-value.negative{color:var(--danger)}#calc-dscr-refinance-calculator .cashout-row.total .cashout-value{font-size:1.25rem}#calc-dscr-refinance-calculator .cashout-limits{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin-top:1rem}#calc-dscr-refinance-calculator .limit-item{background:var(--primary-bg);padding:.75rem;border-radius:8px;text-align:center}#calc-dscr-refinance-calculator .limit-label{display:block;font-size:.75rem;color:var(--neutral-600);margin-bottom:.25rem}#calc-dscr-refinance-calculator .limit-value{font-size:1.1rem;font-weight:700;color:var(--primary-dark)}#calc-dscr-refinance-calculator .cashout-note{font-size:.8rem;color:var(--neutral-500);margin:1rem 0 0 0;font-style:italic}#calc-dscr-refinance-calculator .breakeven-panel{background:#fff;border-radius:12px;padding:1.25rem;margin-bottom:1.5rem;box-shadow:0 2px 8px rgb(0 0 0 / .06)}#calc-dscr-refinance-calculator .breakeven-header h3{margin:0 0 1rem 0;font-size:1.1rem;color:var(--neutral-800)}#calc-dscr-refinance-calculator .breakeven-content{display:flex;gap:1.5rem;align-items:center}#calc-dscr-refinance-calculator .breakeven-main{text-align:center;padding:1rem 1.5rem;background:linear-gradient(135deg,var(--primary-bg) 0%,#ccfbf1 100%);border-radius:12px;min-width:120px}#calc-dscr-refinance-calculator .breakeven-number{font-size:3rem;font-weight:800;color:var(--primary);line-height:1}#calc-dscr-refinance-calculator .breakeven-unit{font-size:.9rem;font-weight:600;color:var(--primary-dark);text-transform:uppercase;letter-spacing:1px}#calc-dscr-refinance-calculator .breakeven-subtext{font-size:.8rem;color:var(--neutral-500);margin-top:.25rem}#calc-dscr-refinance-calculator .breakeven-details{flex:1}#calc-dscr-refinance-calculator .breakeven-details p{margin:0 0 .5rem 0;font-size:.9rem;color:var(--neutral-600)}#calc-dscr-refinance-calculator .breakeven-details p:last-child{margin-bottom:0}#calc-dscr-refinance-calculator .breakeven-content.no-savings{flex-direction:column;text-align:center;padding:1rem;background:var(--neutral-50);border-radius:8px}#calc-dscr-refinance-calculator .breakeven-content.no-savings p{margin:.25rem 0}#calc-dscr-refinance-calculator .roi-uses{margin:.75rem 0 0 0;padding-left:1.25rem;font-size:.85rem;color:var(--neutral-600)}#calc-dscr-refinance-calculator .roi-uses li{margin-bottom:.35rem}#calc-dscr-refinance-calculator .recommendation-panel{background:#fff;border-radius:12px;padding:1.25rem;margin-bottom:1.5rem;box-shadow:0 2px 8px rgb(0 0 0 / .06)}#calc-dscr-refinance-calculator .recommendation-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:1rem}#calc-dscr-refinance-calculator .recommendation-header h3{margin:0;font-size:1.1rem;color:var(--neutral-800)}#calc-dscr-refinance-calculator .goal-badge{font-size:.75rem;font-weight:600;padding:.35rem .75rem;background:var(--primary-bg);color:var(--primary-dark);border-radius:20px}#calc-dscr-refinance-calculator .verdict-box{display:flex;align-items:center;gap:.75rem;padding:1rem 1.25rem;border-radius:10px;margin-bottom:1rem}#calc-dscr-refinance-calculator .verdict-box.verdict-yes{background:linear-gradient(135deg,var(--success-bg) 0%,#d1fae5 100%);border:2px solid var(--success)}#calc-dscr-refinance-calculator .verdict-box.verdict-maybe{background:linear-gradient(135deg,var(--warning-bg) 0%,#fef3c7 100%);border:2px solid var(--warning)}#calc-dscr-refinance-calculator .verdict-box.verdict-no{background:linear-gradient(135deg,var(--danger-bg) 0%,#fee2e2 100%);border:2px solid var(--danger)}#calc-dscr-refinance-calculator .verdict-icon{font-size:1.75rem;font-weight:700;width:44px;height:44px;display:flex;align-items:center;justify-content:center;border-radius:50%;background:#fff}#calc-dscr-refinance-calculator .verdict-yes .verdict-icon{color:var(--success)}#calc-dscr-refinance-calculator .verdict-maybe .verdict-icon{color:var(--warning)}#calc-dscr-refinance-calculator .verdict-no .verdict-icon{color:var(--danger)}#calc-dscr-refinance-calculator .verdict-text{font-size:1.1rem;font-weight:700}#calc-dscr-refinance-calculator .verdict-yes .verdict-text{color:#065f46}#calc-dscr-refinance-calculator .verdict-maybe .verdict-text{color:#92400e}#calc-dscr-refinance-calculator .verdict-no .verdict-text{color:#991b1b}#calc-dscr-refinance-calculator .reasons-list{list-style:none;margin:0;padding:0}#calc-dscr-refinance-calculator .reason-item{display:flex;align-items:flex-start;gap:.5rem;padding:.5rem 0;font-size:.9rem;border-bottom:1px solid var(--neutral-100)}#calc-dscr-refinance-calculator .reason-item:last-child{border-bottom:none}#calc-dscr-refinance-calculator .reason-item.positive{color:#065f46}#calc-dscr-refinance-calculator .reason-item.warning{color:#92400e}#calc-dscr-refinance-calculator .reason-icon{font-size:1rem;flex-shrink:0}#calc-dscr-refinance-calculator .equity-chart{background:#fff;border-radius:12px;padding:1.25rem;margin-bottom:1.5rem;box-shadow:0 2px 8px rgb(0 0 0 / .06)}#calc-dscr-refinance-calculator .equity-header h3{margin:0 0 1rem 0;font-size:1.1rem;color:var(--neutral-800)}#calc-dscr-refinance-calculator .equity-bars{display:flex;flex-direction:column;gap:1rem}#calc-dscr-refinance-calculator .equity-bar-group{display:flex;align-items:center;gap:1rem}#calc-dscr-refinance-calculator .equity-bar-label{width:80px;font-size:.85rem;font-weight:600;color:var(--neutral-600)}#calc-dscr-refinance-calculator .equity-bar{flex:1;height:36px;display:flex;border-radius:6px;overflow:hidden;background:var(--neutral-100)}#calc-dscr-refinance-calculator .equity-portion{display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:600;color:#fff;min-width:60px;transition:width 0.3s ease}#calc-dscr-refinance-calculator .equity-portion.loan{background:linear-gradient(90deg,#64748b 0%,#475569 100%)}#calc-dscr-refinance-calculator .equity-portion.equity{background:linear-gradient(90deg,var(--primary-light) 0%,var(--primary) 100%)}#calc-dscr-refinance-calculator .equity-legend{display:flex;justify-content:center;gap:1.5rem;margin-top:1rem;font-size:.8rem;color:var(--neutral-600)}#calc-dscr-refinance-calculator .legend-item{display:flex;align-items:center;gap:.35rem}#calc-dscr-refinance-calculator .legend-dot{width:12px;height:12px;border-radius:3px}#calc-dscr-refinance-calculator .legend-dot.loan{background:#64748b}#calc-dscr-refinance-calculator .legend-dot.equity{background:var(--primary)}#calc-dscr-refinance-calculator .calc-output{display:flex;justify-content:space-between;align-items:center;padding:.75rem 1rem;background:#fff;border-radius:8px;margin-bottom:.5rem;border:1px solid var(--neutral-200)}#calc-dscr-refinance-calculator .calc-output-label{font-size:.9rem;color:var(--neutral-600)}#calc-dscr-refinance-calculator .calc-output-value{font-size:1.1rem;font-weight:700;color:var(--neutral-800)}#calc-dscr-refinance-calculator .calc-output[id*="net_cash"],#calc-dscr-refinance-calculator .calc-output[id*="new_loan"]{background:var(--primary-bg);border-color:var(--primary-light)}#calc-dscr-refinance-calculator .calc-output[id*="net_cash"] .calc-output-value,#calc-dscr-refinance-calculator .calc-output[id*="new_loan"] .calc-output-value{color:var(--primary-dark)}#calc-dscr-refinance-calculator .sponsor-section{margin-top:1.5rem;padding:1.5rem;background:#fff;border:1px solid var(--neutral-200);border-radius:12px}#calc-dscr-refinance-calculator .sponsor-header{margin-bottom:1rem;text-align:center}#calc-dscr-refinance-calculator .sponsor-title{margin:0 0 .35rem 0;font-size:1.1rem;font-weight:600;color:var(--primary)}#calc-dscr-refinance-calculator .sponsor-description{margin:0;font-size:.85rem;color:var(--neutral-600)}#calc-dscr-refinance-calculator .sponsor-list{display:flex;flex-direction:column;gap:.75rem}#calc-dscr-refinance-calculator .sponsor-card{display:flex;align-items:center;gap:1rem;padding:1rem;background:var(--primary-bg);border:2px solid #fff0;border-radius:10px;text-decoration:none;color:inherit;transition:all 0.2s ease}#calc-dscr-refinance-calculator .sponsor-card:hover{border-color:var(--primary-light);transform:translateY(-2px);box-shadow:0 4px 12px rgb(13 148 136 / .15)}#calc-dscr-refinance-calculator .sponsor-logo{flex-shrink:0;width:60px;height:60px;display:flex;align-items:center;justify-content:center;background:#fff;border-radius:10px;border:1px solid var(--neutral-200)}#calc-dscr-refinance-calculator .sponsor-info{flex:1;display:flex;flex-direction:column;gap:.2rem}#calc-dscr-refinance-calculator .sponsor-name{font-weight:600;font-size:1rem;color:var(--neutral-800)}#calc-dscr-refinance-calculator .sponsor-tagline{font-size:.85rem;color:var(--neutral-600)}#calc-dscr-refinance-calculator .sponsor-highlight{font-size:.8rem;font-weight:600;color:var(--primary)}#calc-dscr-refinance-calculator .sponsor-cta{flex-shrink:0;padding:.6rem 1.25rem;background:linear-gradient(135deg,var(--primary-light) 0%,var(--primary) 100%);color:#fff;font-size:.85rem;font-weight:600;border-radius:6px}#calc-dscr-refinance-calculator .sponsor-disclaimer{margin:1rem 0 0 0;font-size:.7rem;color:var(--neutral-500);text-align:center}#calc-dscr-refinance-calculator .calc-disclaimer{font-size:.75rem;color:var(--neutral-500);margin-top:1.25rem;padding:.75rem;background:var(--neutral-100);border-radius:6px;line-height:1.5}@media (max-width:600px){#calc-dscr-refinance-calculator .calc-header{padding:1.25rem;margin:-1rem -1rem 0 -1rem}#calc-dscr-refinance-calculator .calc-title{font-size:1.25rem}#calc-dscr-refinance-calculator .calc-actions{flex-direction:column}#calc-dscr-refinance-calculator .comparison-grid{grid-template-columns:1fr}#calc-dscr-refinance-calculator .change-column{display:none}#calc-dscr-refinance-calculator .current-column,#calc-dscr-refinance-calculator .new-column{padding:.75rem;border:1px solid var(--neutral-200);border-radius:8px;margin-bottom:.75rem}#calc-dscr-refinance-calculator .cashout-limits{grid-template-columns:1fr}#calc-dscr-refinance-calculator .breakeven-content{flex-direction:column;text-align:center}#calc-dscr-refinance-calculator .breakeven-details{text-align:left}#calc-dscr-refinance-calculator .equity-bar-group{flex-direction:column;align-items:flex-start}#calc-dscr-refinance-calculator .equity-bar-label{width:auto}#calc-dscr-refinance-calculator .equity-bar{width:100%}#calc-dscr-refinance-calculator .sponsor-card{flex-direction:column;text-align:center}#calc-dscr-refinance-calculator .sponsor-info{align-items:center}#calc-dscr-refinance-calculator .sponsor-cta{width:100%;text-align:center}}@media (prefers-color-scheme:dark){#calc-dscr-refinance-calculator{--neutral-50:#1f2937;--neutral-100:#374151;--neutral-200:#4b5563;--neutral-500:#9ca3af;--neutral-600:#d1d5db;--neutral-700:#e5e7eb;--neutral-800:#f3f4f6;--primary-bg:#134e4a;--success-bg:#064e3b;--warning-bg:#78350f;--danger-bg:#7f1d1d}#calc-dscr-refinance-calculator .calc-field input,#calc-dscr-refinance-calculator .calc-field select{background:#374151;color:#f3f4f6;border-color:#4b5563}#calc-dscr-refinance-calculator .calc-results{background:#1f2937;border-color:#374151}#calc-dscr-refinance-calculator .comparison-panel,#calc-dscr-refinance-calculator .cashout-panel,#calc-dscr-refinance-calculator .breakeven-panel,#calc-dscr-refinance-calculator .recommendation-panel,#calc-dscr-refinance-calculator .equity-chart,#calc-dscr-refinance-calculator .calc-output{background:#374151}#calc-dscr-refinance-calculator .cashout-breakdown{background:#1f2937}#calc-dscr-refinance-calculator .sponsor-section{background:#1f2937;border-color:#374151}#calc-dscr-refinance-calculator .sponsor-card{background:#134e4a}#calc-dscr-refinance-calculator .sponsor-logo{background:#374151;border-color:#4b5563}}#calc-dscr-refinance-calculator,#calc-dscr-refinance-calculator *,#calc-dscr-refinance-calculator *::before,#calc-dscr-refinance-calculator *::after{box-sizing:border-box}#calc-dscr-refinance-calculator .sponsor-section a,#calc-dscr-refinance-calculator .sponsor-card,#calc-dscr-refinance-calculator .sponsor-card:hover,#calc-dscr-refinance-calculator .sponsor-card:focus,#calc-dscr-refinance-calculator .sponsor-card:visited{text-decoration:none}#calc-dscr-refinance-calculator .sponsor-card,#calc-dscr-refinance-calculator .sponsor-card *{text-decoration:none;text-shadow:none}#calc-dscr-refinance-calculator .sponsor-section h4{line-height:1.3}