.qtc{--qtc-teal:var(--color-violet);--qtc-teal-dark:#234247;--qtc-teal-soft:var(--color-lilac);--qtc-coral:var(--color-coral);--qtc-ink:var(--color-ink);--qtc-muted:var(--color-subtle);--qtc-paper:var(--color-paper);--qtc-mist:var(--color-lilac);--qtc-line:var(--color-line);--qtc-control-line:#8aa69d;--qtc-focus:#a6ddd0;--qtc-mint:#2f7d63;--qtc-mint-soft:#e6f3ed;--qtc-rose:#b64b4b;--qtc-rose-soft:#fbecec;--qtc-shadow:0 18px 46px #182f3217;width:min(1180px,100% - 48px);color:var(--qtc-ink);margin:0 auto;font-size:16px;line-height:1.5}#main:has(>.qtc){background:radial-gradient(circle at 91% 9%, #a6ddd040, transparent 27rem), linear-gradient(180deg, #fff 0, var(--color-paper) 32rem)}.qtc :is(button,input,select){font:inherit}.qtc :is(button,a){-webkit-tap-highlight-color:transparent}.qtc .intro{grid-template-columns:minmax(0,1fr) auto;align-items:end;gap:40px;padding:54px 0 38px;display:grid}.qtc :is(.eyebrow,.step-kicker){color:var(--qtc-teal);letter-spacing:.105em;text-transform:uppercase;margin:0;font-size:.76rem;font-weight:800}.qtc .intro>div:first-child{container-type:inline-size}.qtc .intro h1{font-family:var(--font-sans);line-height:1.5}.qtc .intro-headline{color:var(--qtc-ink);font-family:var(--font-heading);letter-spacing:-.045em;margin:10px 0 12px;font-size:min(4.5rem,5.55556cqi);font-weight:700;line-height:.98}.qtc .intro>div:first-child>p:last-child{max-width:690px;color:var(--qtc-muted);margin:0;font-size:1.05rem}.qtc .deadline-card{background:var(--qtc-teal-dark);min-width:220px;color:var(--qtc-paper);border-radius:12px;padding:18px 20px;box-shadow:0 16px 35px #182f3229}.qtc .deadline-card :is(span,small){color:#c6d6d0;font-size:.78rem;display:block}.qtc .deadline-card strong{font:600 1.08rem var(--font-heading);margin:4px 0 1px;display:block}.qtc .calculator-shell{grid-template-columns:minmax(330px,.73fr) minmax(0,1.45fr);align-items:start;gap:20px;display:grid}.qtc :is(.input-panel,.results-panel){border:1px solid var(--qtc-line);box-shadow:var(--qtc-shadow);border-radius:12px}.qtc .input-panel{background:#fff;padding:26px;position:sticky;top:98px}.qtc .results-panel{background:var(--qtc-mist);padding:26px;scroll-margin-top:96px}.qtc :is(.panel-heading,.result-status,.section-heading-row){justify-content:space-between;align-items:flex-start;gap:18px;display:flex}.qtc .panel-heading{margin-bottom:22px}.qtc :is(.panel-heading,.result-status) h2{letter-spacing:-.03em;margin:3px 0 0;font-size:1.5rem}.qtc .text-button{color:var(--qtc-teal);cursor:pointer;background:0 0;border:0;padding:5px;font-size:.82rem;font-weight:700}.qtc .form-grid{gap:14px;display:grid}.qtc .two-col{grid-template-columns:repeat(2,minmax(0,1fr))}.qtc .field{margin-bottom:15px;display:block}.qtc .field>span:first-child{color:var(--qtc-ink);margin:0 0 7px;font-size:.82rem;font-weight:700;display:block}.qtc .field small{color:var(--qtc-muted);margin-top:6px;font-size:.72rem;line-height:1.4;display:block}.qtc :is(select,input[type=number]){border:1px solid var(--qtc-control-line);width:100%;min-height:49px;color:var(--qtc-ink);background:#fff;border-radius:10px;outline:none;padding:0 14px;font-size:.92rem;font-weight:600;transition:border .15s,box-shadow .15s}.qtc :is(select,input[type=number]):focus{border-color:var(--qtc-teal);box-shadow:0 0 0 3px var(--qtc-focus)}.qtc select{cursor:pointer}.qtc .input-wrap{display:block;position:relative}.qtc .input-wrap .currency{z-index:1;color:var(--qtc-muted);font-weight:600;position:absolute;top:50%;left:14px;transform:translateY(-50%)}.qtc .input-wrap input{padding-left:29px}.qtc :is(.advanced-toggle,.breakdown-toggle){cursor:pointer;background:0 0;border:0;justify-content:space-between;align-items:center;gap:16px;width:100%;display:flex}.qtc .advanced-toggle{color:var(--qtc-teal);text-align:left;padding:4px 0 18px;font-size:.82rem;font-weight:800}.qtc :is(.advanced-toggle,.breakdown-toggle) svg{fill:none;stroke:currentColor;stroke-width:2px;flex:0 0 19px;width:19px;transition:transform .2s}.qtc :is(.advanced-toggle,.breakdown-toggle)[aria-expanded=true] svg{transform:rotate(180deg)}.qtc .advanced-fields{border-top:1px solid var(--qtc-line);margin:0 -5px 18px;padding:18px 5px 2px}.qtc .advanced-fields[hidden]{display:none}.qtc .advanced-intro{background:#ffffff9e;border-radius:12px;margin-bottom:16px;padding:12px 14px}.qtc .advanced-intro :is(strong,span){font-size:.76rem;display:block}.qtc .advanced-intro span{color:var(--qtc-muted);margin-top:2px}.qtc .advanced-group-label{color:var(--qtc-teal-dark);letter-spacing:.06em;text-transform:uppercase;margin:5px 0 10px;font-size:.75rem;font-weight:800}.qtc .form-error{color:#922640;background:var(--qtc-rose-soft);border:1px solid #ffc9d6;border-radius:12px;margin:0 0 12px;padding:11px 13px;font-size:.78rem}.qtc .primary-button{cursor:pointer;width:100%;min-height:53px;font-size:1rem;font-weight:800}.qtc .privacy-note{color:var(--qtc-muted);justify-content:center;align-items:center;gap:6px;margin:10px 0 0;font-size:.7rem;display:flex}.qtc .privacy-note svg{fill:none;stroke:currentColor;stroke-width:1.7px;width:14px}.qtc .result-status{border-bottom:1px solid #8aa69d59;align-items:center;margin-bottom:18px;padding:3px 2px 17px}.qtc .result-status h2{color:var(--qtc-ink);font-size:2.15rem}.qtc .results-panel.has-results .result-status h2{color:var(--qtc-rose)}.qtc .results-panel.has-results .result-status.no-payment h2{color:var(--qtc-mint)}.qtc .status-badge{border:1px solid var(--qtc-line);color:var(--qtc-muted);background:var(--qtc-paper);border-radius:999px;flex-shrink:0;align-items:center;gap:7px;padding:8px 11px;font-size:.72rem;font-weight:800;display:inline-flex}.qtc .status-badge>span{background:var(--qtc-control-line);border-radius:50%;flex:0 0 7px;width:7px;height:7px}.qtc .results-panel.has-results .status-badge{color:#8f3535;background:var(--qtc-rose-soft);border-color:#e6bcbc}.qtc .results-panel.has-results .status-badge>span{background:var(--qtc-rose)}.qtc .result-status.no-payment .status-badge{color:#087453;background:var(--qtc-mint-soft)}.qtc .result-status.no-payment .status-badge>span{background:var(--qtc-mint)}.qtc .summary-grid{grid-template-columns:1fr 1fr;gap:14px;display:grid}.qtc .summary-card{border:1px solid var(--qtc-line);background:#ffffffb8;border-radius:12px;min-height:150px;padding:22px}.qtc .results-panel.has-results :is(.federal-card,.state-card){background:var(--qtc-rose-soft);border-color:#e6bcbc}.qtc .results-panel.no-payment-result :is(.federal-card,.state-card){background:var(--qtc-mint-soft);border-color:#bddbcd}.qtc .summary-label{justify-content:space-between;align-items:center;gap:10px;font-size:.82rem;font-weight:700;display:flex}.qtc .info-button{color:#77798e;cursor:help;background:0 0;border:1px solid;border-radius:50%;flex:0 0 21px;width:21px;height:21px;padding:0;font-size:.68rem;line-height:1;position:relative}.qtc .info-button:is(:hover,:focus):after{content:attr(data-tip);z-index:5;color:#fff;background:var(--qtc-ink);text-align:left;border-radius:9px;width:230px;padding:9px 10px;font-size:.7rem;font-weight:500;line-height:1.4;position:absolute;top:28px;right:0;box-shadow:0 8px 25px #14162b33}.qtc .summary-card strong{color:var(--qtc-ink);font:700 clamp(2rem, 4vw, 2.75rem) var(--font-sans);letter-spacing:-.04em;margin:10px 0 3px;display:block}.qtc .results-panel.has-results :is(.federal-card,.state-card) strong{color:var(--qtc-rose)}.qtc .results-panel.no-payment-result :is(.federal-card,.state-card) strong{color:var(--qtc-mint)}.qtc .summary-card>span{color:var(--qtc-muted);font-size:.73rem}.qtc :is(.payment-plan,.breakdown){border:1px solid var(--qtc-line);background:#ffffff80;border-radius:12px;margin-top:16px}.qtc .payment-plan{padding:20px}.qtc .section-heading-row{align-items:center}.qtc :is(.section-heading-row h3,.strategy-card h3,.breakdown-toggle strong){font:700 1.1rem/1.22 var(--font-heading);letter-spacing:-.02em;color:inherit;margin:3px 0 0}.qtc .view-toggle{background:#8aa69d2e;border-radius:10px;gap:3px;padding:3px;display:flex}.qtc .view-toggle button{color:var(--qtc-muted);cursor:pointer;background:0 0;border:0;border-radius:8px;padding:6px 9px;font-size:.68rem;font-weight:700}.qtc .view-toggle button.active{color:var(--qtc-teal);background:#fff;box-shadow:0 2px 7px #14162b17}.qtc .quarter-grid{grid-template-columns:repeat(4,1fr);gap:8px;margin-top:17px;display:grid}.qtc .quarter-card{background:var(--qtc-paper);border:1px solid var(--qtc-line);border-radius:10px;min-width:0;padding:13px 10px}.qtc .quarter-card.past{opacity:.72}.qtc .quarter-card.next{border-color:var(--qtc-teal);box-shadow:inset 0 0 0 1px var(--qtc-teal)}.qtc .quarter-card :is(span,small){display:block}.qtc .quarter-card span{color:var(--qtc-muted);font-size:.66rem;font-weight:700}.qtc .quarter-card strong{color:var(--qtc-ink);font:700 1.02rem var(--font-sans);white-space:nowrap;margin:5px 0 3px;display:block}.qtc .results-panel.has-results .quarter-card strong{color:var(--qtc-rose)}.qtc .results-panel.no-payment-result .quarter-card strong{color:var(--qtc-mint)}.qtc .quarter-card small{color:var(--qtc-muted);font-size:.63rem}.qtc .quarter-card em{color:var(--qtc-teal);background:var(--qtc-teal-soft);text-transform:uppercase;border-radius:999px;margin-top:7px;padding:3px 6px;font-size:.58rem;font-style:normal;font-weight:800;display:inline-block}.qtc .schedule-note{color:var(--qtc-muted);margin:11px 2px 0;font-size:.7rem}.qtc .strategy-card{color:var(--qtc-paper);background:var(--qtc-teal-dark);border-radius:12px;grid-template-columns:auto 1fr auto;align-items:center;gap:13px;margin-top:16px;padding:18px 20px;display:grid}.qtc .strategy-card h3{color:var(--qtc-paper)}.qtc .strategy-icon{width:35px;height:35px;color:var(--qtc-ink);background:var(--qtc-focus);border-radius:10px;place-items:center;font-weight:900;display:grid}.qtc .strategy-card .step-kicker{color:var(--qtc-focus)}.qtc .strategy-card p{color:#c6d6d0;margin:4px 0 0;font-size:.73rem}.qtc .strategy-chip{color:var(--qtc-focus);white-space:nowrap;background:#a6ddd01f;border:1px solid #a6ddd059;border-radius:999px;padding:7px 9px;font-size:.64rem;font-weight:800}.qtc .breakdown-toggle{text-align:left;color:var(--qtc-ink);padding:17px 19px}.qtc .breakdown-toggle>span{flex-direction:column;display:flex}.qtc .breakdown-content{padding:0 19px 15px}.qtc .breakdown-content[hidden]{display:none}.qtc .breakdown-content dl{margin:0}.qtc .breakdown-content dl>div{border-top:1px solid var(--qtc-line);grid-template-columns:1fr auto;gap:16px;padding:10px 0;display:grid}.qtc .breakdown-content :is(dt,dd){margin:0;font-size:.76rem}.qtc .breakdown-content dt{color:var(--qtc-muted)}.qtc .breakdown-content dd{font-weight:800}.qtc .results-panel.has-results .breakdown-content .negative dd{color:var(--qtc-rose)}.qtc .results-panel.has-results .breakdown-content .positive dd{color:var(--qtc-mint)}.qtc .breakdown-content .total-row :is(dt,dd){color:var(--qtc-ink);font-size:.84rem}.qtc .cta-card{border:1px solid var(--qtc-line);background:linear-gradient(135deg,#e5f0eb 0%,#fff0e7 100%);border-radius:12px;grid-template-columns:1fr auto;align-items:center;gap:24px;margin-top:16px;padding:22px;display:grid;position:relative;overflow:hidden}.qtc .cta-card:after{content:"";border:24px solid #176b6814;border-radius:50%;width:180px;height:180px;position:absolute;top:-110px;right:-90px}.qtc .cta-copy{z-index:1;position:relative}.qtc .cta-logo{border-radius:8px;width:140px;height:auto;margin-top:6px;display:block}.qtc .cta-copy p{max-width:490px;color:var(--qtc-muted);margin:4px 0 0;font-size:.79rem}.qtc .cta-button{z-index:1;min-width:190px;min-height:54px;padding:0 24px;font-size:.95rem;font-weight:800}.qtc .cta-button svg{fill:none;stroke:currentColor;stroke-width:1.8px;stroke-linecap:round;stroke-linejoin:round;width:19px;height:19px}.qtc .accuracy-section{padding:90px 0 30px}.qtc .accuracy-section>div:first-child{justify-content:space-between;align-items:end;gap:30px;display:flex}.qtc .accuracy-section .eyebrow{flex-shrink:0}.qtc .accuracy-section h2{letter-spacing:-.045em;margin:7px 0 0;font-size:clamp(2rem,4vw,3.25rem);line-height:1}.qtc .accuracy-grid{grid-template-columns:repeat(3,1fr);gap:15px;margin-top:28px;display:grid}.qtc .accuracy-grid article{border:1px solid var(--qtc-line);background:#fff;border-radius:18px;padding:22px}.qtc .accuracy-icon{background:var(--qtc-teal-soft);width:44px;height:44px;color:var(--qtc-teal);border:1px solid #176b681f;border-radius:13px;place-items:center;margin-bottom:20px;display:grid}.qtc .accuracy-icon svg{width:22px;height:22px}.qtc .accuracy-grid strong{font:700 1.02rem var(--font-heading)}.qtc .accuracy-grid p{color:var(--qtc-muted);margin:7px 0 0;font-size:.8rem}.qtc .important-note{color:#69511d;background:#fff8e8;border:1px solid #f1d48f;border-radius:14px;grid-template-columns:auto 1fr;gap:9px;margin:26px 0 0;padding:16px 18px;font-size:.76rem;display:grid}.qtc .important-note p{margin:0}.qtc .sources-note{color:var(--qtc-muted);margin:18px 0 0;padding-bottom:70px;font-size:.72rem}.qtc .sources-note a{text-underline-offset:2px;text-decoration:underline}@media (width<=1000px){.qtc .calculator-shell{grid-template-columns:1fr}.qtc .input-panel{position:static}}@media (width<=960px){.qtc .accuracy-section>div:first-child{flex-direction:column;align-items:flex-start;gap:0}.qtc .accuracy-section h2{font-size:min(clamp(2rem,4vw,3.25rem),6.25vw - 3px)}}@media (width<=720px){.qtc{width:calc(100% - 32px)}.qtc .intro{grid-template-columns:1fr;gap:18px;padding:34px 0 24px}.qtc .deadline-card{grid-template-columns:1fr auto;align-items:center;column-gap:14px;min-width:0;display:grid}.qtc .deadline-card :is(span,strong){grid-column:1}.qtc .deadline-card small{grid-area:1/2/span 2}.qtc :is(.input-panel,.results-panel){border-radius:20px;padding:18px}.qtc :is(.two-col,.summary-grid,.accuracy-grid){grid-template-columns:1fr}.qtc .summary-card{min-height:135px}.qtc .section-heading-row{flex-direction:column;align-items:flex-start}.qtc .view-toggle{width:100%}.qtc .view-toggle button{flex:1}.qtc .quarter-grid{grid-template-columns:repeat(2,1fr)}.qtc .strategy-card{grid-template-columns:auto 1fr}.qtc .strategy-chip{grid-column:2;justify-self:start}.qtc .cta-card{grid-template-columns:1fr}.qtc .cta-button{justify-self:stretch}.qtc .accuracy-section{padding-top:65px}.qtc .accuracy-section h2{font-size:min(2rem,6.25vw - 2px)}.qtc .important-note{grid-template-columns:1fr}.qtc .sources-note{padding-bottom:48px}}@media (width<=420px){.qtc :is(.panel-heading,.result-status){gap:10px}.qtc .status-badge{text-align:left;max-width:132px}.qtc .quarter-card strong{font-size:.92rem}}@media (prefers-reduced-motion:reduce){.qtc *,.qtc :before,.qtc :after{transition:none!important}}