Credit Card Minimum Payment Trap Calculator

Build a single-page web app called "Credit Card Minimum Payment Trap Calculator" using HTML, CSS, and Vanilla JavaScript only — no backend, no login, no external APIs. Inputs: Current balance (number) Annual interest rate (APR %) Minimum payment method: percentage of balance (default 3%) OR fixed monthly amount — let user pick one Optional extra payment per month Simulation logic (run in JS): For each month: add monthly interest to balance, calculate minimum payment based on chosen method, add extra payment if given, apply payment to balance, repeat until balance reaches zero (cap at 600 months to avoid infinite loop). Run two scenarios: (1) minimum payment only, (2) minimum + extra payment. Results dashboard — display for both scenarios side by side: Total interest paid Total amount paid Months and years to debt-free Interest saved and time saved (scenario 2 vs scenario 1) Add 2-3 short "smart insight" text lines based on results, e.g. "Most of your payment is going toward interest" or "Paying extra saves you X years." Keep UI clean, modern, mobile-friendly, single file (HTML+CSS+JS combined).