:root{--opcred-brand:#0b3b75;--opcred-accent:#0a8f6a;--opcred-bg:#f5f7fb;--opcred-text:#152233;--opcred-muted:#64748b;--opcred-border:#dbe3ec;--opcred-danger:#b42318}.opcred-template-wrap{width:min(1180px,calc(100% - 32px));margin:40px auto 72px}.opcred-calculator,.opcred-hub{font-family:inherit;color:var(--opcred-text)}.opcred-calculator{max-width:900px;margin:24px auto;background:#fff;border:1px solid var(--opcred-border);border-radius:20px;box-shadow:0 16px 45px rgba(15,35,65,.08);overflow:hidden}.opcred-calculator__header{padding:28px 30px 18px;background:linear-gradient(135deg,var(--opcred-brand),#102a50);color:#fff}.opcred-calculator__header h2{margin:0 0 8px;color:#fff;font-size:clamp(1.45rem,3vw,2rem);line-height:1.18}.opcred-calculator__header p{margin:0;opacity:.9;max-width:720px}.opcred-calculator__form{padding:28px 30px}.opcred-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-bottom:24px}.opcred-field label{display:block;font-weight:700;margin-bottom:7px}.opcred-field small{display:block;color:var(--opcred-muted);font-size:12px;line-height:1.4;margin-top:6px}.opcred-field input,.opcred-field select{width:100%;min-height:48px;border:1px solid var(--opcred-border);border-radius:10px;padding:10px 13px;background:#fff;color:var(--opcred-text);font:inherit;box-sizing:border-box}.opcred-field input:focus,.opcred-field select:focus{outline:3px solid color-mix(in srgb,var(--opcred-brand) 18%,transparent);border-color:var(--opcred-brand)}.opcred-input-wrap{position:relative}.opcred-numeric-input{text-align:right;font-variant-numeric:tabular-nums}.opcred-input-wrap.is-money input{padding-left:47px}.opcred-input-wrap.is-percent input{padding-right:42px}.opcred-prefix,.opcred-suffix{position:absolute;top:50%;transform:translateY(-50%);font-weight:700;color:var(--opcred-muted);pointer-events:none;z-index:1}.opcred-prefix{left:13px}.opcred-suffix{right:14px}.opcred-field.has-error input,.opcred-field.has-error select{border-color:var(--opcred-danger)}.opcred-field-error{display:block;color:var(--opcred-danger);font-size:12px;margin-top:5px;min-height:1em}.opcred-button{appearance:none;display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 20px;border-radius:10px;border:0;text-decoration:none!important;font-weight:800;cursor:pointer;transition:.2s ease;font:inherit;box-sizing:border-box}.opcred-button:hover{transform:translateY(-1px)}.opcred-button--primary{background:var(--opcred-brand);color:#fff;width:100%}.opcred-button--cta,.opcred-button--lead{background:var(--opcred-accent);color:#fff}.opcred-button--secondary{background:#e8eef6;color:var(--opcred-brand)}.opcred-button:disabled{opacity:.65;cursor:not-allowed}.opcred-calculator__result{border-top:1px solid var(--opcred-border);padding:28px 30px;background:var(--opcred-bg);scroll-margin-top:24px}.opcred-kicker{display:block;text-transform:uppercase;letter-spacing:.09em;font-size:12px;font-weight:800;color:var(--opcred-accent);margin-bottom:5px}.opcred-result__heading h3{margin:0 0 18px;font-size:1.35rem}.opcred-result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.opcred-result-card{background:#fff;border:1px solid var(--opcred-border);border-radius:13px;padding:16px}.opcred-result-card span{display:block;color:var(--opcred-muted);font-size:13px;margin-bottom:6px}.opcred-result-card strong{display:block;font-size:clamp(1.2rem,2.3vw,1.65rem);line-height:1.15;color:var(--opcred-brand)}.opcred-result-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.opcred-amortization{margin-top:18px}.opcred-amortization summary{cursor:pointer;font-weight:800;color:var(--opcred-brand)}.opcred-table-scroll{overflow:auto;margin-top:10px}.opcred-amortization table{width:100%;border-collapse:collapse;background:#fff;font-size:13px}.opcred-amortization th,.opcred-amortization td{padding:9px 10px;border:1px solid var(--opcred-border);text-align:right;white-space:nowrap}.opcred-amortization th:first-child,.opcred-amortization td:first-child{text-align:center}.opcred-lead-box{margin-top:24px;padding:20px;background:#fff;border:1px solid var(--opcred-border);border-radius:14px}.opcred-lead-box h4{margin:0 0 5px;font-size:1.16rem}.opcred-lead-box p{margin:0 0 15px;color:var(--opcred-muted)}.opcred-lead-fields{display:grid;grid-template-columns:1fr 1fr;gap:12px}.opcred-lead-fields label{font-weight:700}.opcred-lead-fields input{display:block;width:100%;min-height:44px;margin-top:5px;border:1px solid var(--opcred-border);border-radius:9px;padding:9px 11px;box-sizing:border-box;font:inherit}.opcred-consent{display:flex;gap:8px;align-items:flex-start;margin:14px 0;font-size:13px;color:var(--opcred-muted)}.opcred-consent input{margin-top:3px}.opcred-lead-message{margin-top:10px;font-weight:700;color:var(--opcred-danger)}.opcred-lead-message.is-success{color:var(--opcred-accent)}.opcred-disclaimer{margin:18px 0 0;color:var(--opcred-muted);font-size:12px;line-height:1.5}.opcred-honeypot{position:absolute!important;left:-99999px!important;width:1px!important;height:1px!important;opacity:0!important}.opcred-single__header{max-width:900px;margin:0 auto 22px}.opcred-single__header h1{font-size:clamp(2rem,4vw,3.2rem);line-height:1.08;margin:14px 0}.opcred-single__header p{font-size:1.12rem;color:var(--opcred-muted);max-width:760px}.opcred-back-link{text-decoration:none;color:var(--opcred-brand);font-weight:800}.opcred-single__content{max-width:900px;margin:auto}.opcred-single__content>h2,.opcred-single__content>h3,.opcred-single__content>p{max-width:800px;margin-left:auto;margin-right:auto}.opcred-hub__header{text-align:center;max-width:760px;margin:0 auto 28px}.opcred-hub__header h1{font-size:clamp(2.1rem,5vw,3.5rem);line-height:1.05;margin:8px 0 12px}.opcred-hub__header p{color:var(--opcred-muted);font-size:1.12rem}.opcred-hub__tools{background:#fff;border:1px solid var(--opcred-border);border-radius:16px;padding:16px;margin-bottom:22px}.opcred-search input{width:100%;min-height:48px;border:1px solid var(--opcred-border);border-radius:10px;padding:10px 14px;font:inherit}.opcred-category-filters{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}.opcred-category-filters button{border:1px solid var(--opcred-border);background:#fff;color:var(--opcred-text);padding:8px 12px;border-radius:999px;cursor:pointer;font:inherit;font-size:13px;font-weight:700}.opcred-category-filters button.is-active{background:var(--opcred-brand);border-color:var(--opcred-brand);color:#fff}.opcred-hub-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.opcred-hub-card{background:#fff;border:1px solid var(--opcred-border);border-radius:16px;padding:22px;box-shadow:0 8px 30px rgba(15,35,65,.05);display:flex;flex-direction:column}.opcred-hub-card[hidden]{display:none}.opcred-hub-card__category{color:var(--opcred-accent);font-size:12px;text-transform:uppercase;letter-spacing:.06em;font-weight:800}.opcred-hub-card h2{font-size:1.25rem;line-height:1.25;margin:9px 0}.opcred-hub-card h2 a{color:var(--opcred-text);text-decoration:none}.opcred-hub-card p{color:var(--opcred-muted);font-size:14px;line-height:1.55;margin:0 0 16px}.opcred-card-link{margin-top:auto;color:var(--opcred-brand);font-weight:800;text-decoration:none}.opcred-no-results{text-align:center;padding:30px;color:var(--opcred-muted)}.opcred-notice{padding:14px;border-left:4px solid var(--opcred-danger);background:#fff}.screen-reader-text{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:800px){.opcred-hub-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.opcred-fields,.opcred-result-grid{grid-template-columns:1fr 1fr}}@media(max-width:600px){.opcred-template-wrap{width:min(100% - 20px,1180px);margin-top:20px}.opcred-calculator{border-radius:14px}.opcred-calculator__header,.opcred-calculator__form,.opcred-calculator__result{padding:21px 18px}.opcred-fields,.opcred-result-grid,.opcred-lead-fields,.opcred-hub-grid{grid-template-columns:1fr}.opcred-result-actions{display:grid}.opcred-result-actions .opcred-button{width:100%}.opcred-hub-card{padding:18px}.opcred-category-filters{flex-wrap:nowrap;overflow-x:auto;padding-bottom:4px}.opcred-category-filters button{white-space:nowrap}.opcred-single__header h1{font-size:2rem}}