#ybc-calculator{--navy:#0b1f3a;--navy-mid:#142d55;--teal:#00b896;--teal-light:#e6faf5;--teal-mid:#b3ede2;--panel:#ffffff;--border:#dce5f0;--border-soft:#eaf0f8;--text:#0b1f3a;--muted:#5a6e88;--muted-light:#8fa3bc;--soft-bg:#f7fafd;--radius-lg:22px;--radius-md:16px;--radius-sm:10px;--shadow-card:0 2px 12px rgba(11,31,58,.07),0 1px 3px rgba(11,31,58,.05);--font-serif:"DM Serif Display",Georgia,serif;--font-sans:"Figtree",system-ui,sans-serif;font-family:var(--font-sans);color:var(--text);-webkit-font-smoothing:antialiased}#ybc-calculator .ybc-hero-grid{display:grid;grid-template-columns:1fr 320px;gap:32px;align-items:stretch;position:relative;z-index:1}#ybc-calculator .ybc-hero-main{display:flex;flex-direction:column;justify-content:space-between}#ybc-calculator .ybc-hero-main-top{flex:1;display:flex;flex-direction:column}#ybc-calculator .ybc-hero h1 em{font-style:italic;color:#7fe8d4}#ybc-calculator .ybc-hero-search-wrap{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:14px}#ybc-calculator .ybc-hero-search-wrap select{flex:0 0 150px}#ybc-calculator .ybc-hero-search-wrap input[type=text]{flex:1 1 260px}#ybc-calculator .ybc-hero-search-wrap input::placeholder{color:#ffffff80}#ybc-calculator .ybc-hero-search-wrap select option{background:var(--navy);color:#fff}#ybc-calculator .ybc-last-updated{font-size:11px;color:#ffffff73;margin-top:4px;margin-bottom:14px}#ybc-calculator .ybc-chips-row{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:20px}#ybc-calculator .ybc-chip{appearance:none;background:#ffffff1a;border:1px solid rgba(255,255,255,.2);color:#ffffffd9;border-radius:999px;padding:6px 13px;font-family:var(--font-sans);font-size:12px;font-weight:700;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;transition:background .18s,border-color .18s,color .18s}#ybc-calculator .ybc-chip:hover,#ybc-calculator .ybc-chip.active{background:#00b89640;border-color:#00b89680;color:#fff}#ybc-calculator .ybc-hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#ffffff14;border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-md);margin-top:20px;overflow:hidden;flex-shrink:0}#ybc-calculator .ybc-stat-cell:hover{background:#ffffff12}#ybc-calculator .ybc-stat-label{font-size:10px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:#ffffff73;margin-bottom:5px}#ybc-calculator .ybc-stat-value{font-family:var(--font-serif);font-size:18px;color:#fff;line-height:1.1}#ybc-calculator .ybc-stat-sub{font-size:11px;color:#ffffff80;margin-top:3px}#ybc-calculator .ybc-hero-side{width:100%;max-width:320px;background:#ffffff14;border:1px solid rgba(255,255,255,.14);border-radius:var(--radius-md);padding:20px;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);align-self:stretch}#ybc-calculator .ybc-hero-side-label{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#ffffff80;margin-bottom:14px}#ybc-calculator .ybc-independence{display:flex;align-items:center;gap:10px;padding:8px 0;margin-bottom:14px;border-bottom:1px solid rgba(255,255,255,.08);font-size:10.5px;letter-spacing:.04em;color:#ffffff61}#ybc-calculator .ybc-independence:before{content:"";display:block;width:5px;height:5px;border-radius:50%;background:#00b896b3;flex-shrink:0}#ybc-calculator .ybc-independence b{color:#ffffff85;font-weight:600}#ybc-calculator .ybc-section-title{font-family:var(--font-serif);font-size:28px;line-height:1.15;color:var(--navy);margin-bottom:6px}#ybc-calculator .ybc-section-sub{font-size:14px;line-height:1.7;color:var(--muted);margin-bottom:22px;max-width:600px}#ybc-calculator .ybc-guide-section{padding-bottom:28px}#ybc-calculator .ybc-guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}#ybc-calculator .ybc-guide-block{display:flex;gap:12px;align-items:flex-start;padding:18px;background:var(--soft-bg);border:1px solid var(--border-soft);border-radius:var(--radius-md);height:100%}#ybc-calculator .ybc-guide-block-icon{width:36px;height:36px;background:var(--teal-light);border:1px solid var(--teal-mid);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--teal)}#ybc-calculator .ybc-guide-block-body{flex:1;min-width:0}#ybc-calculator .ybc-guide-block-title{font-size:14px;font-weight:800;color:var(--navy);margin-bottom:6px}#ybc-calculator .ybc-guide-block-text{font-size:13px;line-height:1.65;color:var(--muted);margin:0 0 10px}#ybc-calculator .ybc-guide-link{display:inline-flex;align-items:center;gap:5px;font-size:12px;font-weight:700;color:var(--teal);text-decoration:none;transition:gap .15s}#ybc-calculator .ybc-guide-link:hover{gap:8px}#ybc-calculator .ybc-guide-list{list-style:none;padding:0;margin:0 0 10px;display:flex;flex-direction:column;gap:6px}#ybc-calculator .ybc-guide-list li{font-size:12px;line-height:1.5;color:var(--muted);padding:0!important;background:none!important;border:none!important}#ybc-calculator .ybc-guide-list li:before{display:none!important;content:none!important}#ybc-calculator .ybc-guide-tag{display:inline;background:var(--teal-light);border:1px solid var(--teal-mid);color:#0d5940;border-radius:4px;padding:1px 6px;font-size:11px;font-weight:700;font-family:monospace}#ybc-calculator .ybc-guide-note{font-size:12px;color:var(--muted-light);margin:0}#ybc-calculator .ybc-guide-note a{color:var(--teal);text-decoration:none;font-weight:700}#ybc-calculator .ybc-cards-tip{background:var(--soft-bg);border:1px solid var(--border-soft);border-radius:var(--radius-sm);padding:12px 16px;font-size:13px;line-height:1.65;color:var(--muted);margin-bottom:16px}#ybc-calculator .ybc-cards-tip em{font-style:normal;font-weight:700;color:var(--navy)}#ybc-calculator #status{font-size:13px;color:var(--muted-light);padding:8px 0}#ybc-calculator #cards{column-count:1!important;column-gap:0!important;display:flex;flex-direction:column;gap:0;margin-top:12px}#ybc-calculator #cards .card{break-inside:avoid!important;border:1px solid #e5e7eb;border-radius:14px;background:#fff;overflow:hidden;margin-bottom:12px}#ybc-calculator #cards .card-row{display:flex!important;gap:14px!important;align-items:flex-start!important;padding:14px}#ybc-calculator #cards .card-media{width:120px!important;min-width:120px!important;max-width:120px!important}#ybc-calculator #cards img.cc-card-img{width:120px!important;height:80px!important;object-fit:contain!important;display:block!important;border:1px solid #e5e7eb;border-radius:10px;background:#fff}#ybc-calculator #cards .card.has-vertical .card-media{width:80px!important;min-width:80px!important;max-width:80px!important}#ybc-calculator #cards .card.has-vertical img.cc-card-img{width:80px!important;height:120px!important}#ybc-calculator #cards .card-body{flex:1 1 auto!important;min-width:0!important}#ybc-calculator #cards .card-headrow{display:block!important}#ybc-calculator #cards .card-name{font-weight:800;font-size:15px;color:#111827;margin:0 0 4px;padding:0}#ybc-calculator #cards .card-sub{margin:0 0 8px}#ybc-calculator #cards .cc-pill{display:inline-flex;align-items:center;padding:2px 8px;border-radius:999px;border:1px solid #e5e7eb;background:#f9fafb;font-size:11px;font-weight:700;color:#374151;margin-right:4px}#ybc-calculator #cards .card-kpis{display:flex;gap:12px;margin:0 0 8px;padding:6px 0;border-top:1px solid #f1f5f9;border-bottom:1px solid #f1f5f9;align-items:flex-start}#ybc-calculator #cards .cc-kpi{display:flex;flex-direction:column;gap:1px}#ybc-calculator #cards .cc-kpi:first-child{flex:0 0 52px;min-width:52px}#ybc-calculator #cards .cc-kpi:last-child{flex:1 1 auto;min-width:0}#ybc-calculator #cards .cc-kpi-label{font-size:11px;color:#6b7280;white-space:nowrap}#ybc-calculator #cards .cc-kpi-val{font-size:15px;font-weight:800;color:#111827;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}#ybc-calculator #cards .cc-kpi:first-child .cc-kpi-val{white-space:normal;overflow:visible;text-overflow:clip}#ybc-calculator #cards .cc-fee-val{cursor:pointer;border-bottom:1px dotted #9ca3af;display:block}#ybc-calculator #cards .cc-fee-val:hover{border-bottom-color:#374151}#ybc-calculator #cards .cc-fee-val.is-expanded{white-space:normal;overflow:visible;text-overflow:clip;border-bottom:none;cursor:default}#ybc-calculator #cards .cc-rewards-wrap{position:relative;max-height:56px;overflow:hidden;margin:0 0 10px}#ybc-calculator #cards .cc-rewards-wrap:after{content:"";position:absolute;left:0;right:0;bottom:0;height:24px;background:linear-gradient(to bottom,#fff0,#fff);pointer-events:none}#ybc-calculator #cards .card.is-open .cc-rewards-wrap{display:none!important}#ybc-calculator .ybc-bullets{margin:.25rem 0 0;padding-left:1.1rem;list-style:disc!important}#ybc-calculator .ybc-bullets li{margin:.15rem 0;font-size:13px;line-height:1.4;padding:0!important;background:none!important;border:none!important}#ybc-calculator .ybc-bullets li:before{display:none!important;content:none!important}#ybc-calculator #cards .details-toggle{appearance:none!important;-webkit-appearance:none!important;display:block!important;width:100%!important;padding:10px 12px;border-radius:10px;border:1px solid #e5e7eb!important;background:#fff!important;color:#111827!important;font-weight:700;font-size:13px;cursor:pointer;text-align:center;box-shadow:none!important;text-shadow:none!important;touch-action:manipulation;min-height:44px}#ybc-calculator #cards .details-toggle:hover{background:#f9fafb!important}#ybc-calculator #cards .cc-compare-row{display:flex;align-items:center;gap:8px;margin-top:8px;font-size:12px;color:#6b7280;cursor:pointer;min-height:44px;padding:4px 0}#ybc-calculator #cards .cc-compare-row input[type=checkbox]{width:18px;height:18px;cursor:pointer;flex-shrink:0;accent-color:#111827}#ybc-calculator #cards .cc-compare-row.is-selected{color:#111827;font-weight:700}#ybc-calculator #cards .cc-compare-row input:disabled{opacity:.35;cursor:not-allowed}#ybc-calculator #cards .cc-compare-row.is-disabled{opacity:.5;cursor:not-allowed}#ybc-calculator #cards .card-details{padding:12px 14px;border-top:1px solid #f1f5f9}#ybc-calculator #cards .cc-detail{margin-bottom:8px;font-size:13px}#ybc-calculator #cards .cc-detail-label{font-weight:700;color:#374151;margin-bottom:2px;font-size:12px}#ybc-calculator #cards .cc-detail-val{color:#111827;line-height:1.45}#ybc-calculator #cards .cc-apply-area{margin-top:10px;display:flex;flex-direction:column;gap:8px}#ybc-calculator #cards .cc-apply{display:inline-flex!important;align-items:center;justify-content:center;padding:9px 14px;border-radius:12px;border:1px solid #111827!important;background:#111827!important;color:#fff!important;font-weight:800;font-size:13px;text-decoration:none!important}#ybc-calculator #cards .cc-apply:hover{background:#1f2937!important;border-color:#1f2937!important}#ybc-calculator .ybc-next-step-title em{font-style:italic;color:#7fe8d4}#ybc-calculator .ybc-faq-title{font-family:var(--font-serif);font-size:30px;color:var(--navy);margin-bottom:24px}#ybc-calculator .ybc-faq-item{padding:20px 22px;border-bottom:1px solid var(--border-soft);border-right:1px solid var(--border-soft)}#ybc-calculator .ybc-faq-item:nth-child(2n){border-right:none}#ybc-calculator .ybc-faq-item:nth-last-child(-n+2){border-bottom:none}#ybc-calculator .ybc-faq-q-icon{width:22px;height:22px;background:var(--teal-light);border:1px solid var(--teal-mid);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}#ybc-calculator .ybc-faq-q-icon svg{width:10px;height:10px;color:var(--teal)}#ybc-calculator .ybc-faq-a{font-size:14px;line-height:1.75;color:var(--muted);padding-left:32px}#ybc-calculator .ybc-faq-a a{color:var(--teal);text-decoration:none}#ybc-calculator .ybc-related-guides{background:#fff;border:1px solid #dce5f0;border-radius:22px;padding:22px 28px;box-shadow:0 2px 12px #0b1f3a12;margin-bottom:16px}#ybc-calculator .ybc-related-guides-title{font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#8fa3bc;margin-bottom:12px}#ybc-calculator .ybc-related-guides-links{display:flex;flex-direction:column;gap:8px}#ybc-calculator .ybc-related-guides-links a{font-size:14px;font-weight:700;color:#0b1f3a;text-decoration:none;padding:10px 14px;background:#f7fafd;border:1px solid #dce5f0;border-radius:14px;display:flex;align-items:center;justify-content:space-between;transition:border-color .15s,background .15s}#ybc-calculator .ybc-related-guides-links a:hover{background:#e6faf5;border-color:#b3ede2;color:#0b1f3a}#ybc-calculator .ybc-related-guides-links a span{color:#00b896}#ybc-calculator .ybc-hero{animation:none!important}@media(max-width:520px){#ybc-calculator #cards .card-media{width:88px!important;min-width:88px!important;max-width:88px!important}#ybc-calculator #cards img.cc-card-img{width:88px!important;height:62px!important}#ybc-calculator #cards .card.has-vertical .card-media{width:72px!important;min-width:72px!important;max-width:72px!important}#ybc-calculator #cards .card.has-vertical img.cc-card-img{width:72px!important;height:108px!important}}#ybc-calculator .ybc-hero:before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse 600px 380px at 108% 52%,rgba(0,184,150,.11) 0%,transparent 70%),radial-gradient(ellipse 400px 300px at -10% 80%,rgba(232,168,58,.1) 0%,transparent 60%)}#ybc-calculator .ybc-hero:after{content:"";position:absolute;top:-60px;right:-80px;width:380px;height:380px;border-radius:50%;border:1px solid rgba(255,255,255,.06);pointer-events:none}#ybc-calculator .ybc-hero-tag{display:inline-flex;align-items:center;gap:8px;color:#00b896e6;font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:999px;margin-bottom:14px;width:fit-content}#ybc-calculator .ybc-hero-tag:before{content:"";display:block;width:16px;height:1.5px;background:#00b896b3;flex-shrink:0}#ybc-calculator .ybc-hero h1{font-family:var(--font-serif);font-size:clamp(28px,4.2vw,44px);line-height:1.08;color:#fff;margin-bottom:14px;font-weight:400;letter-spacing:-.01em}#ybc-calculator .ybc-hero-lead{font-size:15px;line-height:1.75;color:#fffc;max-width:540px;margin-bottom:22px;font-weight:400}#ybc-calculator .ybc-stat-cell{padding:14px;background:#ffffff0a;transition:background .15s}#ybc-calculator .ybc-section{background:var(--panel);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px 28px 32px;box-shadow:var(--shadow-card);margin-bottom:16px;animation:ybc-fadeup .45s ease both;animation-delay:.08s}#ybc-calculator .ybc-store-calc-section{animation-delay:.06s}#ybc-calculator .ybc-store-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:20px}#ybc-calculator .ybc-store-btn{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;padding:16px 10px;cursor:pointer;text-align:center;background:var(--soft-bg);border:2px solid var(--border-soft);border-radius:var(--radius-md);font-family:var(--font-sans);transition:border-color .18s,background .18s,box-shadow .18s}#ybc-calculator .ybc-store-btn:hover{border-color:var(--teal-mid);background:var(--teal-light)}#ybc-calculator .ybc-store-btn[aria-pressed=true],#ybc-calculator .ybc-store-btn.selected{border-color:var(--teal);background:var(--teal-light);box-shadow:0 0 0 3px #00b89626}#ybc-calculator .ybc-store-icon{font-size:28px;line-height:1}#ybc-calculator .ybc-store-name{font-size:12px;font-weight:700;color:var(--navy);line-height:1.4}#ybc-calculator .ybc-store-name small{font-weight:400;color:var(--muted);font-size:11px}#ybc-calculator .ybc-store-result{background:linear-gradient(135deg,var(--navy) 0%,#1a3a6b 100%);border-radius:var(--radius-md);padding:24px 28px;animation:ybc-fadeup .3s ease both}#ybc-calculator .ybc-store-result-inner{display:flex;flex-direction:column;gap:16px}#ybc-calculator .ybc-store-result-header{display:flex;align-items:baseline;gap:16px;flex-wrap:wrap}#ybc-calculator .ybc-store-result-store{font-family:var(--font-serif);font-size:22px;color:#fff}#ybc-calculator .ybc-store-result-rate{background:#00b89633;border:1px solid rgba(0,184,150,.4);color:#5eecd4;font-size:13px;font-weight:700;padding:3px 10px;border-radius:999px}#ybc-calculator .ybc-store-result-cards{display:flex;flex-direction:column;gap:10px}#ybc-calculator .ybc-store-card-row{display:flex;align-items:center;gap:14px;padding:12px 16px;background:#ffffff0f;border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-sm)}#ybc-calculator .ybc-store-card-row.is-winner{background:#00b8961f;border-color:#00b8964d}#ybc-calculator .ybc-store-card-badge{font-size:10px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:2px 8px;border-radius:999px;white-space:nowrap;flex-shrink:0}#ybc-calculator .ybc-store-card-badge.winner{background:var(--teal);color:var(--navy)}#ybc-calculator .ybc-store-card-badge.alt{background:#ffffff1f;color:#fff9}#ybc-calculator .ybc-store-card-info{flex:1;min-width:0}#ybc-calculator .ybc-store-card-name{font-size:13px;font-weight:700;color:#fff;margin-bottom:2px}#ybc-calculator .ybc-store-card-detail{font-size:12px;color:#ffffff8c}#ybc-calculator .ybc-store-card-rate{font-size:18px;font-weight:800;color:#5eecd4;white-space:nowrap;flex-shrink:0}#ybc-calculator .ybc-store-result-note{font-size:13px;line-height:1.65;color:#ffffffa6;border-top:1px solid rgba(255,255,255,.1);padding-top:14px}#ybc-calculator .ybc-store-result-caveat{font-size:12px;color:#fff6;font-style:italic}#ybc-calculator .ybc-cards-section{animation-delay:.14s}#ybc-calculator .ybc-product-cta{display:flex;align-items:flex-start;gap:20px;background:linear-gradient(135deg,var(--navy) 0%,#1a3a6b 100%);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-lg);padding:28px 32px;margin-bottom:16px;animation:ybc-fadeup .45s ease both;animation-delay:.16s}#ybc-calculator .ybc-product-cta-icon{width:52px;height:52px;background:#00b8962e;border:1px solid rgba(0,184,150,.35);border-radius:14px;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:#5eecd4}#ybc-calculator .ybc-product-cta-body{flex:1;min-width:0}#ybc-calculator .ybc-product-cta-eyebrow{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#5eecd4;margin-bottom:6px}#ybc-calculator .ybc-product-cta-title{font-family:var(--font-serif);font-size:18px;color:#fff;line-height:1.3;margin-bottom:8px}#ybc-calculator .ybc-product-cta-sub{font-size:13px;line-height:1.65;color:#ffffffa6;margin:0}#ybc-calculator .ybc-product-cta-action{flex-shrink:0;display:flex;flex-direction:column;align-items:flex-end;gap:6px}#ybc-calculator .ybc-product-cta-btn{display:inline-flex;align-items:center;padding:9px 18px;background:var(--teal);border:1px solid var(--teal);border-radius:10px;color:var(--navy);font-family:var(--font-sans);font-size:13px;font-weight:800;text-decoration:none;white-space:nowrap;transition:background .15s}#ybc-calculator .ybc-product-cta-btn:hover{background:#00cba8}#ybc-calculator .ybc-product-cta-note{font-size:11px;color:#fff6;text-align:right}#ybc-calculator .ybc-next-step{position:relative;overflow:hidden;background:linear-gradient(135deg,#0b1f3a,#142d55 55%,#1a4980);border-radius:var(--radius-lg);padding:36px 40px;margin:0 0 16px;display:flex;align-items:center;gap:32px;flex-wrap:wrap;box-shadow:0 8px 32px #0b1f3a2e}#ybc-calculator .ybc-next-step:before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(ellipse 500px 300px at 110% 50%,rgba(0,184,150,.2) 0%,transparent 70%)}#ybc-calculator .ybc-next-step-body{flex:1;min-width:200px;position:relative;z-index:1}#ybc-calculator .ybc-next-step-eyebrow{display:inline-flex;align-items:center;gap:6px;background:#00b8962e;border:1px solid rgba(0,184,150,.35);color:#5eecd4;font-size:10px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:4px 10px;border-radius:999px;margin-bottom:12px}#ybc-calculator .ybc-next-step-title{font-size:22px;font-weight:800;color:#fff;line-height:1.25;margin-bottom:8px}#ybc-calculator .ybc-next-step-sub{font-size:14px;line-height:1.65;color:#ffffffa6;max-width:480px}#ybc-calculator .ybc-next-step-stats{display:flex;gap:24px;margin-top:16px;flex-wrap:wrap}#ybc-calculator 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