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a:hover{text-decoration:underline}.niche-header{background:#fff;border-bottom:1px solid var(--border);padding:0 2rem;height:60px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100;box-shadow:var(--shadow-sm)}.niche-header-logo{display:flex;align-items:center;gap:.6rem;text-decoration:none}.niche-header-logo .icon{width:32px;height:32px;background:var(--navy);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.niche-header-logo .icon svg{width:18px;height:18px}.niche-header-logo span{font-weight:700;font-size:.95rem;color:var(--navy)}.niche-header-logo span em{font-style:normal;color:var(--accent)}.niche-header-nav{display:flex;align-items:center;gap:2rem}.niche-header-nav a{font-size:.85rem;font-weight:500;color:var(--text-secondary);text-decoration:none}.niche-header-nav a:hover{color:var(--navy)}.niche-header-nav .cta{background:var(--accent);color:white;padding:.5rem 1.2rem;border-radius:8px;font-weight:600;font-size:.82rem}.niche-header-nav .cta:hover{background:var(--accent-hover);color:white}.niche-hero{background:linear-gradient(170deg,var(--navy-deep) 0,var(--navy) 40%,var(--navy-light) 100%);padding:4.5rem 2rem 5rem;position:relative;overflow:hidden}.niche-hero:before{content:"";position:absolute;top:-50%;right:-20%;width:600px;height:600px;background:radial-gradient(circle,rgba(13,148,136,.12) 0,transparent 70%);pointer-events:none}.niche-hero-inner{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:1.1fr .9fr;gap:4rem;align-items:center;position:relative;z-index:1}.niche-hero-badge{display:inline-flex;align-items:center;gap:.4rem;background:rgba(230,57,70,.15);border:1px solid rgba(230,57,70,.25);padding:.3rem .85rem;border-radius:100px;font-size:.72rem;font-weight:700;color:#ff8a94;margin-bottom:1.25rem}.niche-hero-badge .pulse{width:6px;height:6px;background:var(--red);border-radius:50%;animation:niche-pulse 2s ease infinite}.niche-hero h1{font-family:var(--font-fraunces),"Fraunces",Georgia,serif;font-size:2.6rem;font-weight:700;color:white;line-height:1.15;letter-spacing:-.02em;margin-bottom:1.25rem}.niche-hero h1 .accent{color:var(--accent-light)}.niche-hero-sub{font-size:1.05rem;color:rgba(255,255,255,.6);line-height:1.7;font-weight:300;margin-bottom:2rem;max-width:480px}.niche-hero-actions{display:flex;gap:.75rem}.niche-hero-actions a,.niche-hero-actions button{padding:.8rem 1.6rem;border-radius:10px;font-weight:600;font-size:.9rem;text-decoration:none;transition:all .2s;cursor:pointer;border:none;font-family:inherit}.niche-btn-accent{background:var(--accent);color:white}.niche-btn-accent:hover{background:var(--accent-hover);transform:translateY(-1px)}.niche-btn-outline{background:transparent;color:white;border:1px solid rgba(255,255,255,.2)}.niche-btn-outline:hover{border-color:rgba(255,255,255,.4)}.niche-hero-card{background:rgba(255,255,255,.06);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-lg);padding:2rem}.niche-hero-card-title{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:.68rem;font-weight:600;color:var(--accent-light);letter-spacing:.1em;text-transform:uppercase;margin-bottom:1.25rem}.niche-hero-stat-row{display:flex;justify-content:space-between;align-items:flex-end;padding:.85rem 0;border-bottom:1px solid rgba(255,255,255,.06)}.niche-hero-stat-row:last-child{border:none}.niche-hero-stat-label{font-size:.85rem;color:rgba(255,255,255,.5)}.niche-hero-stat-value{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:1.1rem;font-weight:600;color:white}.niche-hero-stat-value.red{color:var(--red)}.niche-hero-stat-value.teal{color:var(--accent-light)}.niche-quick-stats{background:#fff;border-bottom:1px solid var(--border)}.niche-quick-stats-inner{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr)}.niche-qs-item{padding:1.5rem;border-right:1px solid var(--border-light);text-align:center}.niche-qs-item:last-child{border:none}.niche-qs-num{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:1.5rem;font-weight:600;color:var(--navy);line-height:1;margin-bottom:.25rem}.niche-qs-label{font-size:.75rem;color:var(--text-tertiary);font-weight:500}.niche-section{padding:5rem 2rem;max-width:1000px;margin:0 auto}.niche-section-tag{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:.68rem;font-weight:600;color:var(--text-secondary);letter-spacing:.12em;text-transform:uppercase;margin-bottom:.75rem}.niche-section h2{font-family:var(--font-fraunces),"Fraunces",Georgia,serif;font-size:2rem;font-weight:700;color:var(--navy);line-height:1.2;margin-bottom:.75rem}.niche-section-desc{font-size:1rem;color:var(--text-secondary);line-height:1.7;max-width:580px;margin-bottom:2.5rem}.niche-explainer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}.niche-explainer-card{background:#fff;border:1px solid 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p{font-size:.85rem;color:var(--text-secondary);line-height:1.6}.niche-comparison-section{background:#fff;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.niche-comparison-table{width:100%;border-collapse:collapse;font-size:.88rem;margin-top:1rem}.niche-comparison-table thead{background:var(--navy)}.niche-comparison-table th{padding:.75rem 1rem;font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:.7rem;font-weight:600;color:white;text-transform:uppercase;letter-spacing:.06em;text-align:left}.niche-comparison-table td:last-child,.niche-comparison-table th:last-child{text-align:right}.niche-comparison-table td{padding:.75rem 1rem;border-bottom:1px solid var(--border-light);color:var(--text-secondary)}.niche-comparison-table tbody tr:hover{background:var(--accent-bg)}.niche-school-name{font-weight:600;color:var(--navy)}.niche-gap-value{font-weight:600;color:var(--red)}.niche-cap-value,.niche-gap-value{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace}.niche-cap-value{color:var(--text-tertiary)}.niche-cta-banner{background:linear-gradient(135deg,var(--navy) 0,var(--navy-light) 100%);padding:4rem 2rem;text-align:center}.niche-cta-banner h2{font-family:var(--font-fraunces),"Fraunces",Georgia,serif;font-size:1.8rem;font-weight:700;color:white;margin-bottom:.75rem}.niche-cta-banner p{font-size:1rem;color:rgba(255,255,255,.6);margin-bottom:2rem;max-width:500px;margin-left:auto;margin-right:auto}.niche-cta-banner .niche-btn-accent{padding:.85rem 2.5rem;font-size:1rem;display:inline-block;text-decoration:none}.niche-content-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}.niche-content-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.75rem;text-decoration:none;transition:all .3s;display:flex;flex-direction:column}.niche-content-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.niche-content-card .tag{font-family:var(--font-ibm-plex),"IBM Plex 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h3{font-family:var(--font-fraunces),"Fraunces",Georgia,serif;font-size:1.4rem;font-weight:700;color:var(--navy);margin-bottom:.5rem}.niche-email-box p{font-size:.9rem;color:var(--text-secondary);margin-bottom:1.5rem}.niche-email-form{display:flex;gap:.5rem}.niche-email-form input{flex:1;padding:.75rem 1rem;border:1px solid var(--border);border-radius:8px;font-family:var(--font-karla),"Karla",sans-serif;font-size:.9rem;outline:none}.niche-email-form input:focus{border-color:var(--accent)}.niche-email-form button{background:var(--accent);color:white;padding:.75rem 1.5rem;border:none;border-radius:8px;font-family:var(--font-karla),"Karla",sans-serif;font-size:.88rem;font-weight:600;cursor:pointer;white-space:nowrap}.niche-email-form button:hover{background:var(--accent-hover)}.niche-email-note{font-size:.72rem;color:var(--text-tertiary);margin-top:.75rem}.niche-footer{background:var(--navy-deep);padding:3rem 2rem}.niche-footer-inner{max-width:1000px;margin:0 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auto;padding:48px 24px}.niche-legal-back{font-size:13px;color:var(--accent);text-decoration:none;display:inline-block;margin-bottom:24px}.niche-legal-back:hover{opacity:.7}.niche-legal-main h1{font-family:var(--font-fraunces),Georgia,serif;font-size:clamp(28px,4vw,38px);font-weight:700;color:#0c2340;margin:0 0 32px;letter-spacing:-.02em}.niche-legal-body{font-size:15px;color:#444;line-height:1.75}.niche-legal-body h2{font-family:var(--font-fraunces),Georgia,serif;font-size:1.3rem;font-weight:600;color:#0c2340;margin:2.25rem 0 .75rem}.niche-legal-body h3{font-family:var(--font-karla),sans-serif;font-size:1.05rem;font-weight:700;color:#0c2340;margin:1.75rem 0 .5rem}.niche-legal-body p{margin-bottom:1rem}.niche-legal-body strong{color:#1a1a1a}.niche-legal-body ol,.niche-legal-body ul{margin:.75rem 0 1.25rem 1.5rem}.niche-legal-body ul{list-style-type:disc}.niche-legal-body ol{list-style-type:decimal}.niche-legal-body li{margin-bottom:.35rem}.niche-legal-body hr{border:none;border-top:1px solid #e0e0e0;margin:2rem 0}.niche-legal-body a{color:var(--accent);text-decoration:none}.niche-legal-body a:hover{text-decoration:underline}.niche-page-header{background:var(--navy);padding:36px 28px 32px;text-align:center}.niche-page-header h1{font-family:var(--font-fraunces),"Fraunces",Georgia,serif;font-size:26px;font-weight:700;color:white;margin-bottom:5px}.niche-page-header p{font-size:14px;color:rgba(255,255,255,.45);line-height:1.5;max-width:460px;margin:0 auto}.calc-container{max-width:560px;margin:0 auto;padding:28px 20px 60px}.calc-form-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:24px;margin-bottom:16px;box-shadow:var(--shadow-sm)}.calc-form-section{font-size:10px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--text-tertiary);margin-bottom:18px}.calc-fld{margin-bottom:16px}.calc-fld:last-child{margin-bottom:0}.calc-fld-label{display:block;font-size:12px;font-weight:600;color:var(--text-secondary);margin-bottom:5px}.calc-fld-hint{font-size:11px;color:var(--text-tertiary);margin-top:3px;line-height:1.4}.calc-fld-input{width:100%;padding:11px 13px;border:1px solid var(--border);border-radius:8px;font-family:var(--font-karla),"Karla",sans-serif;font-size:14px;color:var(--text);background:var(--warm-50);outline:none;transition:border-color .15s,background .15s}.calc-fld-input:focus{border-color:#1e40af;background:#fff}.calc-locked-field{display:flex;align-items:center;gap:10px;padding:11px 13px;background:var(--border-light);border:1px solid var(--border);border-radius:8px}.calc-locked-icon{font-size:15px;flex-shrink:0}.calc-locked-text{font-size:14px;font-weight:600;flex:1}.calc-locked-change{font-size:11px;color:#1e40af;cursor:pointer;font-weight:600}.calc-radio-row{display:flex;gap:8px}.calc-radio-pill{flex:1;padding:11px 10px;border:1px solid var(--border);border-radius:8px;text-align:center;font-size:13px;font-weight:500;color:var(--text-secondary);cursor:pointer;transition:all .15s}.calc-radio-pill.on,.calc-radio-pill:hover{border-color:var(--navy)}.calc-radio-pill.on{background:var(--navy);color:#fff;font-weight:600}.calc-coa-bar{display:flex;align-items:center;justify-content:space-between;padding:11px 13px;background:var(--border-light);border:1px solid var(--border);border-radius:8px}.calc-coa-val{font-family:var(--font-ibm-plex),"IBM Plex 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.1s}.calc-dropdown-item:hover{background:var(--warm-50)}.calc-dropdown-item:last-child{border-bottom:none}.calc-dropdown-name{display:block;font-size:13px;font-weight:600;color:var(--text)}.calc-dropdown-meta{display:block;font-size:11px;color:var(--text-tertiary);margin-top:1px}.calc-go-btn{width:100%;padding:16px;background:var(--red);color:#fff;border:none;border-radius:10px;font-family:var(--font-karla),"Karla",sans-serif;font-size:16px;font-weight:700;cursor:pointer;box-shadow:0 4px 14px rgba(230,57,70,.25);transition:all .15s}.calc-go-btn:hover{background:#d32f3e;transform:translateY(-1px);box-shadow:0 6px 20px rgba(230,57,70,.3)}.calc-go-btn:disabled{background:var(--border);color:var(--text-tertiary);box-shadow:none;cursor:not-allowed;transform:none}.calc-go-sub{font-size:11px;color:var(--text-tertiary);text-align:center;margin-top:7px}.calc-summary-strip{background:#fff;border:1px solid var(--border);border-radius:12px;padding:14px 18px;margin-bottom:20px;display:flex;flex-wrap:wrap;gap:4px 14px;align-items:center}.calc-summary-chip{font-size:12px;color:var(--text-secondary)}.calc-summary-chip strong{color:var(--text);font-weight:600}.calc-summary-edit{font-size:12px;color:#1e40af;font-weight:600;cursor:pointer;margin-left:auto}.calc-r-card{background:#fff;border:1px solid var(--border);border-radius:14px;overflow:hidden;margin-bottom:16px;box-shadow:var(--shadow-sm);opacity:0;transform:translateY(16px);transition:opacity .4s ease,transform .4s ease}.calc-r-card.show{opacity:1;transform:translateY(0)}.calc-r-head{padding:14px 20px;border-bottom:1px solid var(--border-light);display:flex;justify-content:space-between;align-items:center}.calc-r-head h3{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:10px;font-weight:600;color:#1e40af;letter-spacing:.1em;text-transform:uppercase}.calc-r-badge{font-size:10px;font-weight:700;padding:3px 9px;border-radius:100px}.badge-red{background:var(--red-bg);color:var(--red);border:1px solid var(--red-border)}.badge-amber{background:var(--amber-bg);color:#d97706;border:1px solid rgba(245,158,11,.15)}.badge-green{background:rgba(34,197,94,.07);color:#16a34a;border:1px solid rgba(34,197,94,.15)}.calc-r-body{padding:20px}.calc-gap-hero{text-align:center;padding:28px 20px 20px}.calc-gap-hero .num{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:52px;font-weight:700;line-height:1}.calc-gap-hero .num.red{color:var(--red)}.calc-gap-hero .num.green{color:#16a34a}.calc-gap-hero .sub{font-size:13px;color:var(--text-tertiary);margin-top:6px}.calc-gap-hero .sub strong{color:var(--red)}.calc-fund-bar{display:flex;height:32px;border-radius:6px;overflow:hidden;margin:0 20px 6px}.calc-fund-seg{align-items:center;font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:10px;font-weight:600;color:#fff;transition:width .6s ease}.calc-fund-legend,.calc-fund-seg{display:flex;justify-content:center}.calc-fund-legend{gap:16px;padding:0 20px 16px}.calc-fund-legend-item{display:flex;align-items:center;gap:5px;font-size:11px;color:var(--text-secondary)}.calc-fund-dot{width:8px;height:8px;border-radius:2px}.calc-bk-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid var(--border-light)}.calc-bk-row:last-child{border-bottom:none}.calc-bk-key{font-size:13px;color:var(--text-secondary)}.calc-bk-val{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:13px;font-weight:500}.calc-bk-val.green{color:#1e40af}.calc-bk-val.red{color:var(--red);font-weight:600}.calc-bk-row.total{padding-top:12px;border-top:2px solid var(--border);border-bottom:none}.calc-bk-row.total .calc-bk-key{font-weight:700;color:var(--text)}.calc-bk-row.total .calc-bk-val.red{font-size:16px}.calc-lender-zone{margin:24px 0 16px}.calc-lender-zone h2{font-family:var(--font-fraunces),"Fraunces",Georgia,serif;font-size:22px;font-weight:700;margin-bottom:3px}.calc-lz-intro{font-size:13px;color:var(--text-secondary);margin-bottom:18px;line-height:1.5}.calc-lz-intro strong{color:var(--red)}.calc-l-card{border:1px solid var(--border);border-radius:12px;background:#fff;margin-bottom:10px;overflow:hidden;transition:border-color .15s,box-shadow .15s}.calc-l-card:hover{border-color:var(--navy);box-shadow:0 2px 8px rgba(0,0,0,.05)}.calc-l-badge-bar{background:var(--navy);padding:5px 16px;font-size:10px;font-weight:700;color:#fff;letter-spacing:.3px}.calc-l-main{padding:16px 18px}.calc-l-top{gap:12px;margin-bottom:12px}.calc-l-icon,.calc-l-top{display:flex;align-items:center}.calc-l-icon{width:38px;height:38px;border-radius:8px;justify-content:center;color:#fff;font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:14px;font-weight:700;flex-shrink:0}.calc-l-name{font-size:15px;font-weight:700}.calc-l-for{font-size:11px;color:var(--text-tertiary)}.calc-l-rates{display:flex;gap:8px;margin-bottom:14px}.calc-l-rate-box{flex:1;padding:9px 10px;background:var(--warm-50);border:1px solid var(--border-light);border-radius:8px}.calc-l-rate-label{font-size:9px;color:var(--text-tertiary);text-transform:uppercase;letter-spacing:.5px;margin-bottom:1px}.calc-l-rate-num{font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace;font-size:12px;font-weight:600;color:var(--text)}.calc-l-cta-row{display:flex;align-items:center;gap:10px}.calc-l-cta{flex:1;padding:12px;background:var(--red);color:#fff;border:none;border-radius:8px;font-family:var(--font-karla),"Karla",sans-serif;font-size:14px;font-weight:700;cursor:pointer;text-align:center;box-shadow:0 2px 8px rgba(230,57,70,.2);transition:background .15s}.calc-l-cta:hover{background:#d32f3e}.calc-l-cta-sub{font-size:9px;color:var(--text-tertiary);text-align:center;flex-shrink:0;line-height:1.3}.calc-l-expand{font-size:11px;color:#1e40af;cursor:pointer;font-weight:600;margin-top:10px;display:inline-block}.calc-l-details{padding:12px 18px 14px;background:var(--warm-50);border-top:1px solid var(--border-light)}.calc-l-details li{font-size:12px;color:var(--text-secondary);padding:4px 0;list-style:none}.calc-l-details li:before{content:"\2713 ";color:#1e40af;font-weight:700}.calc-l-trust{font-size:11px;color:var(--text-tertiary);margin-top:12px}.calc-l-disclosure{font-size:10px;color:var(--text-tertiary);margin-top:10px;padding:12px 14px;background:var(--warm-50);border-radius:8px;line-height:1.6;border:1px solid var(--border-light)}.calc-tl-track{display:flex;gap:3px;margin:10px 0 6px}.calc-tl-yr{flex:1;text-align:center;padding:12px 4px;border-radius:6px;font-family:var(--font-ibm-plex),"IBM Plex Mono",monospace}.calc-tl-yr.ok{background:rgba(30,64,175,.06);border:1px solid rgba(30,64,175,.15)}.calc-tl-yr.warn{background:rgba(245,158,11,.07);border:1px solid rgba(245,158,11,.15)}.calc-tl-yr.bad{background:var(--red-bg);border:1px solid rgba(230,57,70,.12)}.calc-tl-yr-label{font-size:10px;color:var(--text-tertiary);margin-bottom:3px}.calc-tl-yr-amount{font-size:13px;font-weight:600}.calc-tl-yr.ok .calc-tl-yr-amount{color:#1e40af}.calc-tl-yr.warn .calc-tl-yr-amount{color:#d97706}.calc-tl-yr.bad .calc-tl-yr-amount{color:var(--red)}.calc-tl-yr-tag{font-size:9px;font-weight:600;margin-top:3px}.calc-callout-amber{margin-top:14px;padding:12px 14px;background:rgba(245,158,11,.06);border:1px solid rgba(245,158,11,.15);border-radius:8px;font-size:12px;color:#92400e;line-height:1.6}.calc-callout-amber strong{color:#78350f}.calc-email-card{background:var(--border-light);border-radius:14px;padding:28px 24px;text-align:center;margin:20px 0;border:1px solid var(--border)}.calc-email-card h3{font-family:var(--font-fraunces),"Fraunces",Georgia,serif;font-size:18px;font-weight:700;margin-bottom:5px}.calc-email-card p{font-size:13px;color:var(--text-secondary);margin-bottom:14px}.calc-email-row{display:flex;gap:8px;max-width:380px;margin:0 auto}.calc-email-inp{flex:1;padding:11px 13px;border:1px solid #d5d0c8;outline:none;background:#fff}.calc-email-go,.calc-email-inp{border-radius:6px;font-family:var(--font-karla),"Karla",sans-serif;font-size:13px}.calc-email-go{background:var(--navy);color:#fff;padding:11px 18px;font-weight:600;border:none;cursor:pointer;white-space:nowrap}.calc-email-fine{font-size:10px;color:var(--text-tertiary);margin-top:7px}.calc-recalc{display:block;width:100%;padding:14px;background:#fff;border:2px solid var(--navy);color:var(--navy);border-radius:10px;font-family:var(--font-karla),"Karla",sans-serif;font-size:14px;font-weight:700;cursor:pointer;transition:all .15s}.calc-recalc:hover{background:var(--navy);color:#fff}.calc-disclaimer{padding:12px 20px 16px;background:var(--warm-50);border-top:1px solid var(--border-light);font-size:10px;color:var(--text-tertiary);line-height:1.6}.niche-stub{max-width:600px;margin:0 auto;padding:5rem 2rem;text-align:center}.niche-stub h2{font-family:var(--font-fraunces),"Fraunces",Georgia,serif;font-size:1.8rem;font-weight:700;color:var(--navy);margin-bottom:.75rem}.niche-stub p{font-size:1rem;color:var(--text-secondary);margin-bottom:2.5rem}@keyframes niche-pulse{0%,to{opacity:1}50%{opacity:.4}}@media (max-width:768px){.niche-hero-inner{grid-template-columns:1fr}.niche-hero h1{font-size:2rem}.niche-quick-stats-inner{grid-template-columns:repeat(2,1fr)}.niche-content-grid,.niche-explainer-grid,.niche-footer-inner{grid-template-columns:1fr}.niche-email-form{flex-direction:column}.niche-header-nav a:not(.cta){display:none}.calc-container{padding:20px 16px 60px}.calc-gap-hero .num{font-size:40px}.calc-l-rates{gap:6px}.calc-email-row,.calc-l-rates{flex-direction:column}.calc-tl-track{flex-wrap:wrap}.calc-tl-yr{min-width:calc(50% - 4px)}.calc-summary-strip{flex-direction:column;gap:4px;align-items:flex-start}}