@font-face{font-family:Schibsted Grotesk;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/schibsted-grotesk-latin-600-normal.Czv9Obfv.woff2) format("woff2"),url(/_astro/schibsted-grotesk-latin-600-normal.BieE9YjJ.woff) format("woff")}@font-face{font-family:Schibsted Grotesk;font-style:normal;font-display:swap;font-weight:700;src:url(/_astro/schibsted-grotesk-latin-700-normal.BkH0uJ1o.woff2) format("woff2"),url(/_astro/schibsted-grotesk-latin-700-normal.Dz-okVa0.woff) format("woff")}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:400;src:url(/_astro/ibm-plex-sans-latin-400-normal.CDDApCn2.woff2) format("woff2"),url(/_astro/ibm-plex-sans-latin-400-normal.CYLoc0-x.woff) format("woff")}@font-face{font-family:IBM Plex Sans;font-style:normal;font-display:swap;font-weight:600;src:url(/_astro/ibm-plex-sans-latin-600-normal.CuJfVYMP.woff2) format("woff2"),url(/_astro/ibm-plex-sans-latin-600-normal.Cu4Hd6ag.woff) format("woff")}:root{--bg: #f4f7fa;--surface: #ffffff;--surface-2: #eef3f8;--ink: #0e1f2e;--ink-2: #55677a;--line: rgba(14, 31, 46, .12);--brand: #0b6e8f;--brand-dark: #084f68;--brand-tint: #e0eff4;--amber: #e8952a;--amber-dark: #b06e17;--amber-tint: #fbeeda;--good: #17845e;--bad: #b5432f;--radius: 14px;--radius-sm: 9px;--shadow: 0 1px 2px rgba(14, 31, 46, .04), 0 12px 30px -16px rgba(14, 31, 46, .22);--hairline: 1px solid var(--line);--font-display: "Schibsted Grotesk", "Segoe UI", system-ui, sans-serif;--font-body: "IBM Plex Sans", "Segoe UI", system-ui, sans-serif;--measure: 66ch;--gutter: clamp(1rem, 4vw, 2rem)}*,*:before,*:after{box-sizing:border-box}*{margin:0}[hidden]{display:none!important}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}img,svg{display:block;max-width:100%}input,button,select{font:inherit;color:inherit}body{font-family:var(--font-body);font-size:1.0625rem;line-height:1.6;color:var(--ink);background-color:var(--bg);background-image:linear-gradient(rgba(11,110,143,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(11,110,143,.045) 1px,transparent 1px);background-size:28px 28px}h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.14;letter-spacing:-.018em;text-wrap:balance}h1{font-size:clamp(2rem,5vw,3rem)}h2{font-size:clamp(1.4rem,3.2vw,1.85rem)}h3{font-size:1.2rem}p,li{max-width:var(--measure)}a{color:var(--brand);text-underline-offset:2px}a:hover{color:var(--brand-dark)}strong{font-weight:600}code{background:var(--surface-2);padding:.1em .35em;border-radius:6px;font-size:.9em}.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:.6rem 1rem;z-index:100}.skip-link:focus{left:0}.wrap{max-width:72rem;margin-inline:auto;padding-inline:var(--gutter)}.prose{max-width:var(--measure)}.prose h2{margin:2.2em 0 .55em;padding-top:.55em;border-top:var(--hairline)}.prose h3{margin:1.5em 0 .45em}.prose p,.prose ul,.prose ol{margin-block:.85em}.prose table{border-collapse:collapse;width:100%;margin-block:1.1em;font-size:.95rem}.prose th,.prose td{border-bottom:var(--hairline);padding:.55rem .7rem;text-align:left;vertical-align:top}.prose th{font-family:var(--font-display);background:var(--surface-2)}@media(max-width:40rem){.prose table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;white-space:nowrap}}.site-header{border-bottom:var(--hairline);background:#ffffffdb;backdrop-filter:blur(8px);position:sticky;top:0;z-index:50}.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.2rem 1rem;min-height:3.6rem;padding-block:.4rem}.wordmark{font-family:var(--font-display);font-weight:700;font-size:1.3rem;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:.5rem;letter-spacing:-.02em}.wordmark .mark{width:1.6rem;height:1.6rem;flex:none}.wordmark em{font-style:normal;color:var(--brand)}.site-nav{display:flex;gap:clamp(.7rem,2.5vw,1.4rem);font-size:.95rem;font-weight:600}.site-nav a{color:var(--ink-2);text-decoration:none;padding:.25rem 0;border-bottom:2px solid transparent}.site-nav a:hover,.site-nav a[aria-current=page]{color:var(--ink);border-bottom-color:var(--amber)}.site-footer{margin-top:4rem;border-top:var(--hairline);background:var(--surface-2);font-size:.9rem;color:var(--ink-2)}.site-footer .wrap{padding-block:2rem;display:grid;gap:1.1rem}.site-footer nav{display:flex;flex-wrap:wrap;gap:.4rem 1.3rem}.site-footer a{color:var(--ink-2)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.7rem 1.3rem;border-radius:999px;border:1px solid transparent;font-weight:600;cursor:pointer;text-decoration:none;transition:transform .12s ease,box-shadow .12s ease,background-color .12s ease}.btn:active{transform:translateY(1px)}.btn-primary{background:linear-gradient(180deg,#0d7da2,var(--brand));color:#fff;box-shadow:0 6px 16px -8px #0b6e8fbf}.btn-primary:hover{background:linear-gradient(180deg,var(--brand),var(--brand-dark));color:#fff}.btn-ghost{background:var(--surface);border-color:var(--line);color:var(--ink)}.btn-ghost:hover{border-color:var(--ink-2)}.card{background:var(--surface);border:var(--hairline);border-radius:var(--radius);box-shadow:var(--shadow)}.disclaimer{font-size:.85rem;color:var(--ink-2);background:var(--surface-2);border-left:3px solid var(--amber);padding:.7rem .9rem;border-radius:0 var(--radius-sm) var(--radius-sm) 0}@media(prefers-reduced-motion:no-preference){.reveal{animation:rise .5s cubic-bezier(.2,.7,.2,1) both}@keyframes rise{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}}.tool{padding:clamp(1.2rem,3.5vw,2rem)}.tool-form fieldset{border:none;padding:0}.tool-form legend{font-family:var(--font-display);font-weight:700;font-size:1.05rem;margin-bottom:.8rem}.tool-form .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(11rem,1fr));gap:1rem}.field label{display:block;font-size:.75rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-2);margin-bottom:.35rem}.field input{width:100%;padding:.6rem .75rem;border:1.5px solid var(--line);border-radius:var(--radius-sm);background:var(--surface)}.field input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-tint)}.input-money,.input-pct{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:var(--radius-sm);background:var(--surface);overflow:hidden}.input-money:focus-within,.input-pct:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-tint)}.input-money span,.input-pct span{padding-inline:.6rem;color:var(--ink-2);background:var(--surface-2);align-self:stretch;display:flex;align-items:center;font-weight:600}.input-money input,.input-pct input{border:none;box-shadow:none}.input-money input:focus,.input-pct input:focus{box-shadow:none}.refi-toggle{margin-top:1.2rem;border-top:var(--hairline);padding-top:1rem}.refi-toggle summary{cursor:pointer;font-weight:600;color:var(--brand-dark)}.refi-toggle summary span{color:var(--ink-2);font-weight:400}.refi-toggle .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(11rem,1fr));gap:1rem;margin-top:1rem}.tool-hint{margin-top:1rem;color:var(--ink-2)}#results{margin-top:1.5rem}.stat-line{color:var(--ink-2)}.verdict{margin:1rem 0 1.4rem;padding:1rem 1.2rem;background:linear-gradient(120deg,var(--amber-tint),transparent 75%);border-left:4px solid var(--amber);border-radius:var(--radius-sm)}.verdict-tag{font-family:var(--font-display);font-weight:700;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;color:var(--amber-dark)}.verdict-text{margin-top:.35rem;max-width:none}.scenarios{display:grid;grid-template-columns:repeat(auto-fit,minmax(14rem,1fr));gap:1rem}.scenario{border:1.5px solid var(--line);border-radius:var(--radius);padding:1.1rem;background:var(--surface);position:relative}.scenario h3{font-size:1.1rem}.scenario-sub{font-size:.82rem;color:var(--ink-2);margin-top:.15rem;max-width:none}.scenario.is-winner{border-color:var(--amber);box-shadow:0 12px 28px -16px #e8952ab3}.scenario.is-winner:after{content:"Lowest total cost";position:absolute;top:-.7rem;right:.8rem;background:var(--amber);color:#3a2807;font-size:.66rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:.2rem .55rem;border-radius:999px}.scenario dl{margin-top:.9rem;display:grid;gap:.5rem}.scenario dl div{display:flex;align-items:baseline;justify-content:space-between;gap:.6rem;border-top:1px dotted var(--line);padding-top:.5rem}.scenario dl div:first-child{border-top:none;padding-top:0}.scenario dt{font-size:.85rem;color:var(--ink-2)}.scenario dd{font-family:var(--font-display);font-weight:700;font-variant-numeric:tabular-nums;text-align:right}.scenario dd.big{font-size:1.25rem;color:var(--brand-dark)}.scenario dd.good{color:var(--good)}.chart-wrap{margin:1.6rem 0 .5rem}.chart-wrap figcaption{font-size:.85rem;color:var(--ink-2);margin-bottom:.5rem}#chart svg{width:100%;height:auto}.chart-legend{display:flex;flex-wrap:wrap;gap:1rem;margin-top:.5rem;font-size:.85rem}.legend-item{display:inline-flex;align-items:center;gap:.4rem}.legend-item .swatch{width:.85rem;height:.85rem;border-radius:3px;display:inline-block}.tool-actions{display:flex;flex-wrap:wrap;gap:.7rem;margin:1.4rem 0}.tool .disclaimer{margin-top:.5rem}@media print{.site-header,.site-footer,.no-print,.adsense-slot{display:none!important}body{background:#fff}.scenario{break-inside:avoid}}