.umc-tab-bar{padding:8px}.umc-tab-row{display:flex;gap:4px}.umc-tab{flex:1;padding:12px 16px;border-radius:12px;border:0;background:transparent;color:var(--theme-text-muted,#64748b);font-family:inherit;font-weight:700;font-size:.88rem;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:6px;box-shadow:none;transition:all .2s ease}.umc-tab.active{background:linear-gradient(135deg,#7c3aed,#6366f1);color:#fff;box-shadow:0 4px 12px rgba(124,58,237,.25)}.umc-hero-payment{background:linear-gradient(135deg,#7c3aed,#6366f1 70%,#06b6d4)}.umc-hero-afford{background:linear-gradient(135deg,#06b6d4,#0369a1)}.umc-hero-amount{font-size:3rem;font-weight:800;font-family:var(--font-heading,Montserrat),sans-serif;letter-spacing:-.02em;line-height:1;margin-top:6px}.umc-hero-detail{margin-top:10px;color:rgba(255,255,255,.9);font-size:.92rem}.umc-refi-suffix{font-size:1.2rem;opacity:.7}.umc-breakdown-bold{background:linear-gradient(135deg,rgba(5,150,105,.08),rgba(6,182,212,.05));border-color:rgba(5,150,105,.25)}.umc-breakdown-bold .ud-stat-label{color:#047857}.umc-stat-sm .ud-stat-val{font-size:1.3rem}.umc-lifetime-row{display:flex;gap:24px;flex-wrap:wrap;margin-top:10px}.umc-lifetime-label{font-size:.8rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--theme-text-muted,#64748b)}.umc-lifetime-val{font-family:var(--font-heading,Montserrat),sans-serif;font-size:1.4rem;font-weight:800;color:var(--theme-text,#0f172a);margin-top:2px}[data-effective-mode=dark] .umc-lifetime-val{color:#f1f5f9}.umc-insight-card{background:linear-gradient(135deg,rgba(249,115,22,.05),rgba(234,179,8,.03));border-left:4px solid #f97316}.umc-insight-head{display:flex;gap:10px;align-items:flex-start}.umc-insight-icon{flex-shrink:0;margin-top:2px}.umc-insight-title{font-weight:800;margin-bottom:4px}.umc-insight-body{font-size:.88rem;line-height:1.5}.umc-checklist{margin-top:10px;margin-bottom:0;padding-left:18px;line-height:1.8;color:var(--theme-text-muted,#64748b)}.umc-label-icon{vertical-align:middle;margin-right:4px}