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For the UI, I'll build simple segmented button toggles instead of extra shadcn components for the down payment mode (dollar/percent) and loan term (15/30 years), keeping things consistent and lightweight. Then I'm working out the state and derived calculation logic - home price, down payment mode/value, loan term, interest rate - and how down payment dollars/percent convert between each other based on the selected mode. I'm computing the standard mortgage amortization formula for monthly payment, handling the zero-interest edge case, then deriving total payment and total interest. I want to keep down payment dollars and percent in sync without relying on effects, so I'm setting up separate state variables that update each other directly on input change based on which mode is active. This conversion approach avoids needing effects entirely, since the actual dollar amount for calculations derives on the fly from whichever mode is active. Now I'm moving on to building the UI with a clean white card and blue accent styling. No fonts specified, so I'll skip font changes and stick with the default sans font to keep things simple. Time to write the component files.3c:o9,128:T5ef,3c:o5ef,[V0_FILE]typescriptreact:file="/app/layout.tsx" import { Analytics } from '@vercel/analytics/next' import type { Metadata, Viewport } from 'next' import Script from 'next/script' import './globals.css' export const metadata: Metadata = { title: 'Mortgage Calculator', description: 'Estimate your monthly mortgage payment, total payment, and total interest in real time.', generator: 'v0.app', icons: { icon: [ { url: '/icon-light-32x32.png', media: '(prefers-color-scheme: light)', }, { url: '/icon-dark-32x32.png', media: '(prefers-color-scheme: dark)', }, { url: '/icon.svg', type: 'image/svg+xml', }, ], apple: '/apple-icon.png', }, } export const viewport: Viewport = { colorScheme: 'light dark', themeColor: [ { media: '(prefers-color-scheme: light)', color: 'white' }, { media: '(prefers-color-scheme: dark)', color: 'black' }, ], } export default function RootLayout({ children, }: Readonly<{ children: React.ReactNode }>) { return ( {children} {process.env.NODE_ENV === 'production' && } but ask for the token value to insert"}],"version":1},"role":"user","id":"NQCEuL818MRV1aM13JTLKQIkz8Nyvuy8","attachments":[],"parentId":"QnCYBzO487F0Wg9Es8EtqlYhcouREFsD","type":"message","authorId":"VdKJ1IzOCSiVMoBRBD035ewM","createdAt":"$D2026-09-25T22:29:24.561Z"},{"v0ModelId":"v0-pro","content":{"type":"message-binary-format","value":[[0,[["AssistantMessageContentPart",{"part":{"createdAt":1790375372554,"finishedAt":1790375385202,"lastPartSentAt":1790375385202,"taskNameActive":null,"id":"DdaZaelc9IUwJc2F","type":"task-thinking-v1","parts":[{"type":"thinking-end","duration":13,"thought":"The user explicitly wants me to ask for the token value rather than use a placeholder, since \"cmpfb_…\" isn't real - it's a data-compass-token attribute I can't guess. I'm also considering whether this should be stored as a project environment variable rather than hardcoded, since it's a client-facing token.\n\nSince it's a script tag attribute, it'll be visible in the page source anyway, so it's fine to just hardcode the actual value directly rather than treating it as a secret. I'll check layout.tsx to figure out where to add this using next/script, but first I need to ask the user for the actual token since there's no other independent work I can do without it."}]}}],["AssistantMessageContentPart",{"part":{"createdAt":1790375385351,"finishedAt":1790375386964,"stopped":{"reason":"user-input-required"},"lastPartSentAt":1790375386957,"taskNameActive":"Asking for feedback widget token","taskNameComplete":"Asked for feedback widget token","toolCallId":"toolu_01KPrhNNJBJxDQ3wkHQKTNzj","agentTurnId":"turn_FnG0JhHZzIMAndyF","filePath":null,"id":"TjO2CjDtnflPjPl6","type":"task-ask-user-questions-v1","parts":[{"type":"asking-questions","questions":[{"id":"q-0","question":"What is the actual data-compass-token value to use for the feedback widget script tag?","header":"Widget token","options":[{"id":"q-0-opt-0","label":"I'll paste the token now","description":"Provide the real cmpfb_... token value and I'll insert it into the script tag in the 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script"},"id":"block-b_cAO9Y4BX3xl"}],["AssistantMessageContentPart",{"part":{"createdAt":1790375416354,"finishedAt":1790375416601,"lastPartSentAt":1790375416601,"taskNameActive":null,"id":"fQEYPw5Zp4suGhPp","type":"task-thinking-v1","parts":[{"type":"thinking-end","duration":0,"thought":"I should check whether the app supports dark mode, since the preview viewport mentions it and the app may currently be light-only. Let me peek at globals.css and test it quickly in the browser with dark mode toggled."}]}}],["AssistantMessageContentPart",{"part":{"createdAt":1790375417049,"finishedAt":1790375421702,"lastPartSentAt":1790375421630,"taskNameActive":"Verifying widget script loads in preview","taskNameComplete":"Verified widget script loads in preview","toolCallId":"toolu_015Srg5s2MXNcgaL5TAhsynJ","agentTurnId":"turn_ppGEe4SrxwukGGox","filePath":null,"id":"ZWckrEtxzuKN4ucG","type":"task-subtask-v1","parts":[{"type":"subtask-started","data":{"subtaskType":"bash","command":"agent-browser open \"http://localhost:3000\" && agent-browser set media dark && agent-browser set viewport 1136 808 && agent-browser wait --load networkidle && agent-browser eval \"(() => { const s = document.querySelector('script[data-compass-token]'); return s ? { src: s.src, token: s.getAttribute('data-compass-token') } : null })()\" && agent-browser screenshot /tmp/agent-browser/dark-mode-check.png","timeout":40000}},{"type":"subtask-log","data":{"logType":"created-terminal","terminalId":"browser-sandbox-d7b36ea5-e614-4e8b-8b6f-e00bdc67bbff","taskId":"bash_browser-sandbox-d7b36ea5-e614-4e8b-8b6f-e00bdc67bbff"},"id":"wH1JRXtlDTR0LVjw"},{"type":"subtask-log","data":{"logType":"poll-terminal-output","delta":"✓ Mortgage Calculator\n http://localhost:3000/\n✓ Done\n✓ Done\n✓ Done\n{\n \"src\": \"https://compass-bankrate-git-feat-embed-fee-f50ef4-rv-bankrate-projects.vercel.app/embed/widget.js\",\n \"token\": \"cmpfb_8eb635785384fc4d1bde38026a62c66b\"\n}\n✓ Screenshot sa"},"id":"yaUOffWbKsABnYmn"},{"type":"subtask-log","data":{"logType":"poll-terminal-output","delta":"ved to /tmp/agent-browser/dark-mode-check.png\n"},"id":"KVJo47gZyFtMBRt7"},{"type":"agent-browser-screenshot","id":"uGs4tlIbmSShx3X8","screenshotUrl":"https://uploads.vusercontent.net/a/eyJhbGciOiJkaXIiLCJlbmMiOiJBMjU2R0NNIn0..PkkuJCGmT2ALd2Gg.pNwwJlSBbE0JCA3MTx4fzjerhkHlrOm0POgqXTVANCgrbHFV5fvPUSfNR4c2MQDGDswbWNwqRmw3S3uy67FZLXCQu1FtkvooyAhfBuiRw_GR4vtstuLRBTuVNjd1PPBPfZYVAPYOsI97gCRzjrGgtVmJBUWqbK8bMRip6QVvhq3kIJG8NqKm0gdlSk0PsgnWbHxToWfSxdARGw.FaUiVqOTat4Cv0Ej3e8jDA","path":"/tmp/agent-browser/dark-mode-check.png","browserUrl":null,"pageTitle":null,"width":1136,"height":808}]}}],["p",{},["text",{},"The Feedback widget script loaded successfully — the \"Feedback\" button appears bottom-right, the script tag correctly resolves both the src URL and the "],["code",{},"data-compass-token"],["text",{}," value, and the calculator itself continues to render and calculate correctly in dark mode."]],["AssistantMessageContentPart",{"part":{"createdAt":1790375425720,"finishedAt":1790375428348,"stopped":{"reason":"done"},"lastPartSentAt":1790375428337,"taskNameActive":"Finishing up","taskNameComplete":"Finished","toolCallId":"toolu_01WkpWVjV7xg8nwPA5zVkKxF","agentTurnId":"turn_yhsqDTrAzTLZaOBx","filePath":null,"id":"gCDk1nLJkddf4L8A","type":"task-programmatic-result-v1","parts":[{"type":"result","text":"Added the Compass feedback widget script to `app/layout.tsx` using `next/script` (`strategy=\"afterInteractive\"`), with your provided token `cmpfb_8eb635785384fc4d1bde38026a62c66b` set on `data-compass-token`.\n\nVerified in the browser (including dark mode) that:\n- The script tag renders with the correct `src` and token attribute\n- A \"Feedback\" button now appears in the bottom-right corner of the app\n- The mortgage calculator continues to work correctly alongside it"}]}}]]],[1,{"retiredFileTasks":[{"id":"pnYni0qlj5q8K4aw","taskType":"task-edit-file-v1"},{"id":"RxJQX4BYno4VXZLz","taskType":"task-edit-file-v1"}]}]]},"context":[],"isContentLoading":false,"role":"assistant","id":"8qpfLBcOo1faRk0Jv4Ci7dJe1fxMIlx4","gitRevision":{"baseSha":"5c6ea4bf42a343211e3627c8cd1059a1e230cb4d","headSha":"5c08e493835eec5ece51a71eb36bb0143d209c1a","readyAt":"2026-09-25T22:30:33.517Z","version":1,"commitMessage":"feat: add external script for bankrate widget\n\nAdded Script component to load bankrate embed widget in 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Mortgage calculator

See your estimated monthly payment based on home price, down payment, and rate.

Home price

Down payment

Approximately $90,000

Loan term

Interest rate

Monthly payment

$2,275.44

Principal & interest over 30 years

Loan amount: $360,000
Total of 360 payments: $819,160
Total interest paid: $459,160

PrincipalInterest

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