.calculator-hero{padding-bottom:72px}
.calculator-section{background:#f7f8f5}
.calculator-layout{display:grid;grid-template-columns:1fr .9fr;gap:32px;align-items:start}
.calculator-panel,.calculator-results{background:#fff;border:1px solid var(--line);border-radius:22px;padding:32px;box-shadow:var(--shadow)}
.calculator-results{position:sticky;top:100px}
.calculator-form{display:grid;gap:16px}
.calculator-form h2{font-size:32px;margin-bottom:6px}
.calculator-form label{display:flex;flex-direction:column;font-size:12px;font-weight:800;color:var(--navy)}
.calculator-form input,.calculator-form select{margin-top:7px;border:1px solid #ced9d6;border-radius:11px;padding:13px 14px;background:#fff}
.calculator-form input:focus,.calculator-form select:focus{outline:2px solid rgba(24,169,153,.25);border-color:var(--teal)}
.checkbox-row{display:grid!important;grid-template-columns:auto 1fr;gap:10px;align-items:start}
.checkbox-row input{margin-top:4px}
.calculator-results>h2{font-family:Manrope,Arial,sans-serif;font-size:38px;color:var(--teal);overflow-wrap:anywhere}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:24px}
.result-grid>div{background:#f4f7f6;padding:16px;border-radius:13px;display:flex;flex-direction:column}
.result-grid span{font-size:11px;text-transform:uppercase;letter-spacing:.6px;color:var(--muted)}
.result-grid strong{font-size:18px;color:var(--navy);margin-top:5px}
.result-note{font-size:12px;color:var(--muted);margin-top:20px}
.calculator-bottom{margin-top:35px;display:grid;gap:20px}
.calculator-warning{border-left:5px solid var(--gold);background:#fff8e8;border-radius:12px;padding:20px 22px}
.calculator-warning strong{color:var(--navy)}
.calculator-warning p{margin:5px 0 0;color:#5c676c}
.official-sources{display:flex;flex-wrap:wrap;gap:12px;align-items:center;font-size:13px}
.official-sources a{background:#e5f3f0;color:var(--navy);font-weight:800;padding:8px 12px;border-radius:999px}
.calculator-cta{display:flex;justify-content:space-between;align-items:center;gap:30px;background:var(--navy);color:#fff;border-radius:22px;padding:30px}
.calculator-cta h2{color:#fff;font-size:30px}
.calculator-cta p{color:#c4d2d7;margin-bottom:0}
.tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.tool-card{border:1px solid var(--line);border-radius:20px;padding:28px;background:#fff;box-shadow:0 10px 30px rgba(11,42,58,.06)}
.tool-card h2{font-family:Manrope,Arial,sans-serif;font-size:21px;margin:14px 0 8px}
.tool-card p{color:var(--muted)}
.tool-icon{width:42px;height:42px;border-radius:12px;background:#e6f4f1;color:var(--teal);display:grid;place-items:center;font-weight:900}
.status-message{margin-top:20px;padding:18px;border-radius:13px;background:#eef5f3;color:var(--navy)}
.status-message.warning{background:#fff3d9}
.status-message.alert{background:#f9e8e7;color:#7c2c29}
.scenario-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.scenario-grid section{background:#f4f7f6;padding:18px;border-radius:15px}
.scenario-grid h3{margin-top:0}
.result-list p{display:flex;justify-content:space-between;gap:20px;padding:10px 0;border-bottom:1px solid #dfe5e3;margin:0;font-size:13px}
.result-list p:last-child{border-bottom:0}
.result-list strong{color:var(--navy);text-align:right}
@media(max-width:950px){
  .calculator-layout{grid-template-columns:1fr}
  .calculator-results{position:static}
  .tools-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .calculator-panel,.calculator-results{padding:22px}
  .result-grid,.scenario-grid,.tools-grid{grid-template-columns:1fr}
  .calculator-cta{flex-direction:column;align-items:flex-start}
}


.rate-validity{
  display:inline-block;
  margin-top:14px;
  padding:9px 13px;
  border-radius:10px;
  background:rgba(255,255,255,.72);
  color:var(--navy)!important;
  font-size:12px!important;
}
.rate-reference-section{
  background:#fff;
  border:1px solid var(--line);
  border-radius:22px;
  padding:30px;
}
.rate-table-wrap{overflow-x:auto}
.rate-table{
  width:100%;
  border-collapse:collapse;
  min-width:900px;
  font-size:13px;
}
.rate-table th,.rate-table td{
  text-align:left;
  vertical-align:top;
  padding:14px;
  border-bottom:1px solid var(--line);
}
.rate-table th{
  background:var(--navy);
  color:#fff;
  font-size:11px;
  text-transform:uppercase;
  letter-spacing:.5px;
}
.rate-table tbody tr:nth-child(even){background:#f7f9f8}
.rate-table code{font-size:11px}

.scenario-grid .result-list p{align-items:flex-start}
.scenario-grid .result-list span{max-width:65%}
.calculator-results .result-grid strong{font-variant-numeric:tabular-nums}