.mortgagerefinancebreakevencalculator-module__-0MIQa__container *{box-sizing:border-box;margin:0;padding:0}.mortgagerefinancebreakevencalculator-module__-0MIQa__container{color:#000;background-color:#fff;max-width:100%;min-height:100vh;padding-top:80px;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,sans-serif;line-height:1.6;overflow-x:hidden}.mortgagerefinancebreakevencalculator-module__-0MIQa__header{color:#000;text-align:center;z-index:100;background:#fff;border-bottom:1px solid #e0e0e0;margin-top:-80px;margin-bottom:2rem;padding:80px 1rem 1.5rem;position:relative}.mortgagerefinancebreakevencalculator-module__-0MIQa__headerContent{max-width:1200px;margin:0 auto;padding-top:20px;position:relative}.mortgagerefinancebreakevencalculator-module__-0MIQa__mainTitle{color:#000;margin:0 0 .5rem;padding-top:0;font-size:2.5rem;font-weight:700;line-height:1.2}.mortgagerefinancebreakevencalculator-module__-0MIQa__subtitle{color:#666;max-width:600px;margin-bottom:1.5rem;margin-left:auto;margin-right:auto;font-size:1.2rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__badgeContainer{flex-wrap:wrap;justify-content:center;gap:.75rem;margin-top:1rem;display:flex}.mortgagerefinancebreakevencalculator-module__-0MIQa__badge{color:#000;background:#f5f5f5;border:1px solid #ddd;border-radius:50px;padding:.5rem 1rem;font-size:.875rem;font-weight:500}.mortgagerefinancebreakevencalculator-module__-0MIQa__mainContent{max-width:1200px;margin:0 auto;padding:0 1rem 3rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__calculatorLayout{grid-template-columns:1fr;gap:2rem;margin-bottom:3rem;display:grid}@media (min-width:992px){.mortgagerefinancebreakevencalculator-module__-0MIQa__calculatorLayout{grid-template-columns:1fr 1fr}}.mortgagerefinancebreakevencalculator-module__-0MIQa__calculatorCard,.mortgagerefinancebreakevencalculator-module__-0MIQa__resultsCard{background:#f8f8f8;border:1px solid #e0e0e0;border-radius:8px;padding:2rem;box-shadow:0 2px 4px #0000000d}.mortgagerefinancebreakevencalculator-module__-0MIQa__sectionTitle{color:#000;border-bottom:1px solid #000;margin-bottom:1.5rem;padding-bottom:.75rem;font-size:1.5rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__inputGroup{margin-bottom:1.75rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__inputLabel{color:#333;margin-bottom:.75rem;font-size:1rem;font-weight:500;display:block}.mortgagerefinancebreakevencalculator-module__-0MIQa__inputWrapper{flex-wrap:wrap;align-items:center;gap:1rem;margin-bottom:.5rem;display:flex}.mortgagerefinancebreakevencalculator-module__-0MIQa__currencySymbol,.mortgagerefinancebreakevencalculator-module__-0MIQa__percentageSymbol,.mortgagerefinancebreakevencalculator-module__-0MIQa__yearsSymbol{color:#000;min-width:20px;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__slider{-webkit-appearance:none;background:#e0e0e0;border-radius:3px;outline:none;flex:1;min-width:150px;height:6px}.mortgagerefinancebreakevencalculator-module__-0MIQa__slider::-webkit-slider-thumb{-webkit-appearance:none;cursor:pointer;background:#000;border:2px solid #fff;border-radius:50%;width:20px;height:20px;box-shadow:0 1px 3px #0000004d}.mortgagerefinancebreakevencalculator-module__-0MIQa__slider::-moz-range-thumb{cursor:pointer;background:#000;border:2px solid #fff;border-radius:50%;width:20px;height:20px;box-shadow:0 1px 3px #0000004d}.mortgagerefinancebreakevencalculator-module__-0MIQa__numberInput{color:#000;text-align:center;background:#fff;border:1px solid #ccc;border-radius:4px;width:120px;padding:.75rem;font-size:1rem;font-weight:500;transition:border-color .2s}.mortgagerefinancebreakevencalculator-module__-0MIQa__numberInput:focus{border-color:#000;outline:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__valueDisplay{color:#000;padding:.5rem 0;font-size:1.25rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__selectInput{color:#000;cursor:pointer;background:#fff;border:1px solid #ccc;border-radius:4px;width:100%;padding:.875rem;font-size:1rem;transition:border-color .2s}.mortgagerefinancebreakevencalculator-module__-0MIQa__selectInput:focus{border-color:#000;outline:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__toggleGroup{gap:1rem;margin-top:2rem;display:flex}.mortgagerefinancebreakevencalculator-module__-0MIQa__toggleButton{color:#333;cursor:pointer;background:#fff;border:1px solid #ccc;border-radius:4px;flex:1;padding:.875rem 1rem;font-weight:500;transition:all .2s}.mortgagerefinancebreakevencalculator-module__-0MIQa__toggleButton:hover{border-color:#000}.mortgagerefinancebreakevencalculator-module__-0MIQa__toggleButton.mortgagerefinancebreakevencalculator-module__-0MIQa__active{color:#fff;background:#000;border-color:#000}.mortgagerefinancebreakevencalculator-module__-0MIQa__resultsGrid{grid-template-columns:repeat(2,1fr);gap:1.5rem;margin-bottom:2rem;display:grid}.mortgagerefinancebreakevencalculator-module__-0MIQa__resultItem{text-align:center;background:#fff;border:1px solid #e0e0e0;border-radius:6px;padding:1.25rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__resultLabel{color:#666;text-transform:uppercase;letter-spacing:.5px;margin-bottom:.5rem;font-size:.875rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__resultValue{color:#000;margin-bottom:.25rem;font-size:1.5rem;font-weight:700}.mortgagerefinancebreakevencalculator-module__-0MIQa__resultSubtext{color:#666;font-size:.875rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__positive{color:#2e7d32}.mortgagerefinancebreakevencalculator-module__-0MIQa__negative{color:#c62828}.mortgagerefinancebreakevencalculator-module__-0MIQa__chartContainer{background:#fff;border:1px solid #e0e0e0;border-radius:6px;margin:2rem 0;padding:1.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__chartTitle{color:#000;margin-bottom:1.5rem;font-size:1.25rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__chartTimeline{justify-content:space-between;align-items:flex-end;gap:.5rem;min-height:200px;padding:1rem 0;display:flex}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelinePoint{flex-direction:column;flex:1;align-items:center;gap:.75rem;display:flex}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelineLabel{color:#666;text-align:center;min-height:2rem;font-size:.75rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelineBarContainer{background:#f5f5f5;border-radius:4px;flex-direction:column-reverse;width:30px;height:150px;display:flex;position:relative;overflow:hidden}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelineBarSavings{background:#2e7d32;width:100%;transition:height .3s}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelineBarCosts{background:#c62828;width:100%;transition:height .3s}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelineValue{text-align:center;min-height:1.5rem;font-size:.875rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__chartLegend{flex-wrap:wrap;gap:2rem;margin-top:1.5rem;display:flex}.mortgagerefinancebreakevencalculator-module__-0MIQa__legendItem{color:#333;align-items:center;gap:.5rem;font-size:.875rem;display:flex}.mortgagerefinancebreakevencalculator-module__-0MIQa__legendColor{border-radius:4px;width:16px;height:16px}.mortgagerefinancebreakevencalculator-module__-0MIQa__legendSavings{background:#2e7d32}.mortgagerefinancebreakevencalculator-module__-0MIQa__legendCosts{background:#c62828}.mortgagerefinancebreakevencalculator-module__-0MIQa__legendBreakEven{background:#ff9800}.mortgagerefinancebreakevencalculator-module__-0MIQa__tableContainer{background:#fff;border:1px solid #e0e0e0;border-radius:6px;margin:2rem 0;padding:1.5rem;overflow-x:auto}.mortgagerefinancebreakevencalculator-module__-0MIQa__savingsTable{border-collapse:collapse;width:100%}.mortgagerefinancebreakevencalculator-module__-0MIQa__savingsTable th{text-align:left;color:#000;background:#f5f5f5;border-bottom:2px solid #e0e0e0;padding:1rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__savingsTable td{color:#333;border-bottom:1px solid #e0e0e0;padding:1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__savingsTable tr:last-child td{border-bottom:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__positiveRow{background:#f1f8e9}.mortgagerefinancebreakevencalculator-module__-0MIQa__negativeRow{background:#ffebee}.mortgagerefinancebreakevencalculator-module__-0MIQa__insightsCard{background:#f5f5f5;border-left:4px solid #000;border-radius:6px;margin-top:2rem;padding:1.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__insightsTitle{color:#000;margin-bottom:1rem;font-size:1.25rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__insightsList{margin:0;padding:0;list-style:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__insightsList li{color:#333;border-bottom:1px solid #0000001a;padding:.75rem 0}.mortgagerefinancebreakevencalculator-module__-0MIQa__insightsList li:last-child{border-bottom:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__insightsList strong{color:#000;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__decisionCard{background:#fff;border:2px solid #000;border-radius:6px;margin-top:2rem;padding:1.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__decisionTitle{color:#000;margin-bottom:1rem;font-size:1.25rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__decisionContent{color:#333;line-height:1.6}.mortgagerefinancebreakevencalculator-module__-0MIQa__decisionPositive{color:#2e7d32;margin-bottom:.75rem;font-size:1.1rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__decisionNegative{color:#c62828;margin-bottom:.75rem;font-size:1.1rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__educationalContent{max-width:800px;margin:0 auto}.mortgagerefinancebreakevencalculator-module__-0MIQa__articleCard{background:#fff;border:1px solid #e0e0e0;border-radius:8px;margin-bottom:2rem;padding:2.5rem;box-shadow:0 2px 8px #0000000d}.mortgagerefinancebreakevencalculator-module__-0MIQa__articleTitle{color:#000;margin-bottom:2rem;font-size:2rem;font-weight:700;line-height:1.3}.mortgagerefinancebreakevencalculator-module__-0MIQa__articleSection{margin-bottom:2.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__articleSubtitle{color:#000;margin-bottom:1rem;font-size:1.5rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__articleCard p{color:#333;margin-bottom:1rem;line-height:1.7}.mortgagerefinancebreakevencalculator-module__-0MIQa__exampleCard{background:#f8f8f8;border-left:4px solid #666;border-radius:6px;margin:1.5rem 0;padding:1.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__exampleCard h4{color:#000;margin-bottom:1rem;font-size:1.1rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__exampleCard ul{margin:1rem 0;padding:0;list-style:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__exampleCard li{color:#333;border-bottom:1px solid #e0e0e0;padding:.5rem 0}.mortgagerefinancebreakevencalculator-module__-0MIQa__exampleCard li:last-child{border-bottom:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__exampleCard li strong{color:#000}.mortgagerefinancebreakevencalculator-module__-0MIQa__strategyGrid{grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1.5rem;margin:1.5rem 0;display:grid}.mortgagerefinancebreakevencalculator-module__-0MIQa__strategyCard{background:#fff;border:1px solid #e0e0e0;border-radius:6px;padding:1.5rem;transition:transform .2s,box-shadow .2s}.mortgagerefinancebreakevencalculator-module__-0MIQa__strategyCard:hover{transform:translateY(-2px);box-shadow:0 4px 8px #0000001a}.mortgagerefinancebreakevencalculator-module__-0MIQa__strategyCard h4{color:#000;margin-bottom:.75rem;font-size:1.1rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__strategyCard p{color:#666;font-size:.9375rem;line-height:1.6}.mortgagerefinancebreakevencalculator-module__-0MIQa__applicationsList{margin:1rem 0;padding:0;list-style:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__applicationsList li{color:#333;border-bottom:1px solid #e0e0e0;align-items:flex-start;gap:.5rem;padding:.875rem 0;display:flex}.mortgagerefinancebreakevencalculator-module__-0MIQa__applicationsList li:before{content:"✓";color:#000;flex-shrink:0;margin-top:.125rem;font-weight:700}.mortgagerefinancebreakevencalculator-module__-0MIQa__applicationsList li strong{color:#000;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__expertQuote{color:#333;background:#f5f5f5;border-left:4px solid #000;border-radius:6px;margin:2rem 0;padding:2rem;font-style:italic;line-height:1.7}.mortgagerefinancebreakevencalculator-module__-0MIQa__quoteFooter{color:#666;text-align:right;margin-top:1rem;font-size:.875rem;font-style:normal}.mortgagerefinancebreakevencalculator-module__-0MIQa__faqCard{background:#fff;border:1px solid #e0e0e0;border-radius:8px;margin-bottom:2rem;padding:2.5rem;box-shadow:0 2px 8px #0000000d}.mortgagerefinancebreakevencalculator-module__-0MIQa__faqTitle{color:#000;text-align:center;margin-bottom:2rem;font-size:1.75rem;font-weight:700}.mortgagerefinancebreakevencalculator-module__-0MIQa__faqItem{border-bottom:1px solid #e0e0e0;padding:1.5rem 0}.mortgagerefinancebreakevencalculator-module__-0MIQa__faqItem:last-child{border-bottom:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__faqQuestion{color:#000;margin-bottom:1rem;font-size:1.2rem;font-weight:600}.mortgagerefinancebreakevencalculator-module__-0MIQa__faqAnswer{color:#333;margin:0;line-height:1.7}.mortgagerefinancebreakevencalculator-module__-0MIQa__actionSection{max-width:800px;margin:3rem auto 0}.mortgagerefinancebreakevencalculator-module__-0MIQa__ctaCard{color:#000;text-align:center;background:#fff;border:1px solid #000;border-radius:8px;padding:3rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__ctaTitle{margin-bottom:1rem;font-size:2rem;font-weight:700}.mortgagerefinancebreakevencalculator-module__-0MIQa__ctaText{color:#333;max-width:600px;margin-bottom:2rem;margin-left:auto;margin-right:auto;font-size:1.125rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__tipBox{text-align:left;color:#333;background:#fff8e1;border-left:4px solid #ff9800;border-radius:6px;margin:2rem 0;padding:1.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__tipBox strong{color:#000}.mortgagerefinancebreakevencalculator-module__-0MIQa__disclaimer{color:#666;border-top:1px solid #e0e0e0;margin-top:2rem;padding-top:1.5rem;font-size:.875rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__disclaimer strong{color:#000}.mortgagerefinancebreakevencalculator-module__-0MIQa__footer{color:#333;text-align:center;background:#f8f8f8;border-top:1px solid #e0e0e0;margin-top:4rem;padding:2rem 1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__footerContent{max-width:800px;margin:0 auto}.mortgagerefinancebreakevencalculator-module__-0MIQa__footerText{color:#333;margin-bottom:1rem;line-height:1.6}.mortgagerefinancebreakevencalculator-module__-0MIQa__footerNote{color:#666;border-top:1px solid #ccc;margin-top:1rem;padding-top:1rem;font-size:.875rem}@media (max-width:768px){.mortgagerefinancebreakevencalculator-module__-0MIQa__container{padding-top:70px}.mortgagerefinancebreakevencalculator-module__-0MIQa__header{margin-top:-70px;padding:70px 1rem 1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__mainTitle{margin-top:0;padding-top:10px;font-size:2rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__subtitle{font-size:1.1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__articleTitle{font-size:1.75rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__articleCard,.mortgagerefinancebreakevencalculator-module__-0MIQa__faqCard,.mortgagerefinancebreakevencalculator-module__-0MIQa__calculatorCard,.mortgagerefinancebreakevencalculator-module__-0MIQa__resultsCard{padding:1.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__resultsGrid{grid-template-columns:1fr;gap:1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__chartTimeline{flex-wrap:wrap;gap:1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelinePoint{flex:0 0 calc(33.333% - 1rem)}.mortgagerefinancebreakevencalculator-module__-0MIQa__ctaCard{padding:2rem 1.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__ctaTitle{font-size:1.75rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__strategyGrid{grid-template-columns:1fr}.mortgagerefinancebreakevencalculator-module__-0MIQa__savingsTable{font-size:.875rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__savingsTable th,.mortgagerefinancebreakevencalculator-module__-0MIQa__savingsTable td{padding:.75rem .5rem}}@media (max-width:480px){.mortgagerefinancebreakevencalculator-module__-0MIQa__container{padding-top:60px}.mortgagerefinancebreakevencalculator-module__-0MIQa__header{margin-top:-60px;padding:60px 1rem 1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__mainTitle{margin-top:0;padding-top:5px;font-size:1.75rem;line-height:1.3}.mortgagerefinancebreakevencalculator-module__-0MIQa__subtitle{font-size:1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__badgeContainer{flex-direction:column;align-items:center;gap:.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__badge{width:fit-content}.mortgagerefinancebreakevencalculator-module__-0MIQa__inputWrapper{flex-direction:column;align-items:stretch;gap:.75rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__slider,.mortgagerefinancebreakevencalculator-module__-0MIQa__numberInput{width:100%}.mortgagerefinancebreakevencalculator-module__-0MIQa__numberInput{order:1}.mortgagerefinancebreakevencalculator-module__-0MIQa__slider{order:2}.mortgagerefinancebreakevencalculator-module__-0MIQa__currencySymbol,.mortgagerefinancebreakevencalculator-module__-0MIQa__percentageSymbol,.mortgagerefinancebreakevencalculator-module__-0MIQa__yearsSymbol{text-align:center;order:3;margin-top:.5rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__toggleGroup{flex-direction:column}.mortgagerefinancebreakevencalculator-module__-0MIQa__articleCard,.mortgagerefinancebreakevencalculator-module__-0MIQa__faqCard{padding:1.25rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__ctaCard{padding:1.5rem 1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelinePoint{flex:0 0 calc(50% - 1rem)}.mortgagerefinancebreakevencalculator-module__-0MIQa__chartLegend{flex-direction:column;gap:.75rem}}@media print{.mortgagerefinancebreakevencalculator-module__-0MIQa__container{padding-top:0!important}.mortgagerefinancebreakevencalculator-module__-0MIQa__header{border-bottom:2px solid #000;margin-top:0;padding:0 0 1rem}.mortgagerefinancebreakevencalculator-module__-0MIQa__toggleGroup,.mortgagerefinancebreakevencalculator-module__-0MIQa__badgeContainer{display:none}.mortgagerefinancebreakevencalculator-module__-0MIQa__calculatorLayout,.mortgagerefinancebreakevencalculator-module__-0MIQa__chartContainer{break-inside:avoid}.mortgagerefinancebreakevencalculator-module__-0MIQa__footer{background:0 0;border-top:2px solid #000}}@media (prefers-reduced-motion:reduce){.mortgagerefinancebreakevencalculator-module__-0MIQa__container *{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}@media (prefers-contrast:high){.mortgagerefinancebreakevencalculator-module__-0MIQa__container{color:#000;background:#fff}.mortgagerefinancebreakevencalculator-module__-0MIQa__calculatorCard,.mortgagerefinancebreakevencalculator-module__-0MIQa__resultsCard,.mortgagerefinancebreakevencalculator-module__-0MIQa__articleCard,.mortgagerefinancebreakevencalculator-module__-0MIQa__faqCard{background:#fff;border:2px solid #000}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelineBarSavings{background:#006400}.mortgagerefinancebreakevencalculator-module__-0MIQa__timelineBarCosts{background:#8b0000}}.mortgagerefinancebreakevencalculator-module__-0MIQa__container ::-webkit-scrollbar{width:8px}.mortgagerefinancebreakevencalculator-module__-0MIQa__container ::-webkit-scrollbar-track{background:#f1f1f1}.mortgagerefinancebreakevencalculator-module__-0MIQa__container ::-webkit-scrollbar-thumb{background:#888;border-radius:4px}.mortgagerefinancebreakevencalculator-module__-0MIQa__container ::-webkit-scrollbar-thumb:hover{background:#555}
