.calculator-shell { padding-bottom: 72px; }
.calculator-intro { display: grid; grid-template-columns: minmax(0, 1.45fr) minmax(280px, .55fr); gap: 60px; align-items: center; padding: 68px 0 48px; }
.calculator-intro h1 { max-width: 780px; font-size: clamp(39px, 5vw, 67px); }
.calculator-intro > div > p:last-child { max-width: 720px; margin: 22px 0 0; color: var(--muted); font-size: 18px; }
.calculator-intro aside { padding: 28px; border-radius: 14px; background: var(--ink); color: #fff; box-shadow: 11px 11px 0 #dfe9e2; transform: rotate(1.5deg); }
.calculator-intro aside span { color: var(--lime); font-size: 11px; font-weight: 800; letter-spacing: .14em; }
.calculator-intro aside strong { display: block; margin: 18px 0 23px; font: 800 23px/1.42 Manrope, sans-serif; }
.calculator-intro aside a { color: var(--lime); font-size: 13px; font-weight: 800; }
.calculator-workspace { display: grid; grid-template-columns: minmax(0, 1.03fr) minmax(400px, .97fr); border: 1px solid #cfdcd5; border-radius: 18px; background: #fff; box-shadow: 0 24px 70px rgba(31,67,60,.1); overflow: hidden; }
.calculator-form { padding: 38px; }
.calculator-form-head, .result-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 18px; }
.calculator-form-head h2, .result-head h2 { font-size: 28px; }
.calculator-form-head .eyebrow, .result-head .eyebrow { margin-bottom: 8px; }
#calculator-reset { padding: 8px 12px; border: 1px solid #c7d4cf; border-radius: 7px; background: #fff; color: #3c5754; font: 700 12px 'DM Sans', sans-serif; cursor: pointer; }
#calculator-reset:hover { border-color: #739186; background: #f2f6f3; }
.input-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; margin-top: 32px; }
.input-grid label { display: block; }
.input-grid label > span:first-child { display: block; margin-bottom: 7px; color: #48605d; font-size: 12px; font-weight: 800; letter-spacing: .025em; }
.input-grid .full-input { grid-column: 1 / -1; }
.input-grid small { display: block; margin-top: 6px; font-size: 11px; line-height: 1.45; }
.input-wrap { display: flex; align-items: center; min-height: 50px; border: 1px solid #c8d5d0; border-radius: 8px; background: #fbfcfb; transition: border-color .15s, box-shadow .15s; }
.input-wrap:focus-within { border-color: #557d70; box-shadow: 0 0 0 3px rgba(85,125,112,.12); }
.input-wrap input, .input-wrap select { width: 100%; min-width: 0; padding: 12px 14px; border: 0; outline: 0; background: transparent; color: var(--ink); font: 700 16px Manrope, sans-serif; font-variant-numeric: tabular-nums; }
.input-wrap select { cursor: pointer; }
.input-wrap b { padding: 0 14px; color: #6c7f7b; font-size: 13px; white-space: nowrap; }
.input-wrap:not(.prefix) b { border-left: 1px solid #dce4e1; }
.input-wrap.prefix b { border-right: 1px solid #dce4e1; }
.form-note { margin: 23px 0 0; padding: 13px 15px; border-radius: 8px; background: #f0f5f2; color: #526864; font-size: 12px; }
.calculator-results { padding: 38px; background: var(--ink); color: #fff; }
.calculator-results .eyebrow { color: var(--lime); }
.result-status { padding: 5px 10px; border: 1px solid #6f8e80; border-radius: 999px; color: #b9e18f; font-size: 11px; font-weight: 800; }
.result-status.negative { border-color: #a76161; color: #ffadad; }
.primary-result { margin: 30px 0 22px; padding: 21px 23px; border: 1px solid #48615e; border-radius: 11px; background: #1d3839; }
.primary-result span, .result-grid span { display: block; color: #aebfbc; font-size: 11px; font-weight: 700; letter-spacing: .035em; text-transform: uppercase; }
.primary-result strong { display: block; margin: 6px 0 1px; color: var(--lime); font: 800 37px/1.15 Manrope, sans-serif; font-variant-numeric: tabular-nums; }
.primary-result small { color: #91a6a2; }
.result-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); border-top: 1px solid #405756; border-left: 1px solid #405756; }
.result-grid > div { min-height: 91px; padding: 15px 17px; border-right: 1px solid #405756; border-bottom: 1px solid #405756; }
.result-grid strong { display: block; margin-top: 7px; font: 700 19px/1.25 Manrope, sans-serif; font-variant-numeric: tabular-nums; }
.result-grid .accent-result { background: rgba(220,248,137,.07); }
.result-grid .accent-result strong { color: var(--lime); font-size: 23px; }
.calculator-results .negative-value { color: #ff9797 !important; }
.result-basis { margin: 19px 0 0; color: #98aba8; font-size: 11px; line-height: 1.55; }
.fbr-warning { display: grid; grid-template-columns: auto 1fr auto; gap: 28px; align-items: center; margin: 50px 0; padding: 30px 34px; border: 1px solid #a8c758; border-radius: 15px; background: linear-gradient(120deg, #eff9cf, #fbfdf3 68%); box-shadow: 0 13px 38px rgba(64,91,34,.08); }
.warning-mark { display: flex; align-items: center; justify-content: center; width: 82px; height: 82px; border-radius: 50%; background: var(--ink); color: var(--lime); font: 800 20px Manrope, sans-serif; }
.fbr-warning .eyebrow { margin-bottom: 7px; color: #52692d; }
.fbr-warning h2 { font-size: 28px; }
.fbr-warning p:not(.eyebrow) { max-width: 770px; margin: 8px 0 0; color: #50625b; font-size: 14px; }
.fbr-warning > a { min-width: 190px; padding: 13px 16px; border-radius: 7px; background: var(--ink); color: #fff; font-size: 13px; font-weight: 800; text-align: center; }
.fbr-warning > a span { color: var(--lime); }
.calculator-guide, .formula-section, .calculator-notes, .calculator-faq { padding: 62px 0; border-top: 1px solid var(--line); content-visibility: auto; contain-intrinsic-size: auto 600px; }
.calculator-guide > div:first-child { max-width: 670px; }
.calculator-guide ol { display: grid; grid-template-columns: repeat(4, 1fr); gap: 15px; margin: 34px 0 0; padding: 0; list-style: none; }
.calculator-guide li { padding: 22px; border: 1px solid var(--line); border-radius: 11px; background: rgba(255,255,255,.78); }
.calculator-guide li > span { color: #5f7c74; font: 800 12px Manrope, sans-serif; }
.calculator-guide h3 { margin-top: 25px; font-size: 17px; }
.calculator-guide li p { margin: 9px 0 0; color: var(--muted); font-size: 13px; }
.formula-section { display: grid; grid-template-columns: 1.35fr .65fr; gap: 60px; align-items: start; }
.formula-copy > p:not(.eyebrow) { max-width: 680px; color: var(--muted); }
.formula-lines { display: grid; gap: 9px; margin-top: 26px; }
.formula-lines code { padding: 14px 16px; border-left: 3px solid #789d4b; border-radius: 0 7px 7px 0; background: #edf3ee; color: #294440; font: 600 13px/1.5 'DM Sans', sans-serif; white-space: normal; }
.worked-example { padding: 29px; border-radius: 13px; background: #fff; box-shadow: 0 11px 35px rgba(31,67,60,.08); }
.worked-example > span { color: #52736a; font-size: 11px; font-weight: 800; letter-spacing: .12em; }
.worked-example h3 { margin: 13px 0 20px; font-size: 21px; }
.worked-example dl { margin: 0; }
.worked-example dl div { display: flex; justify-content: space-between; gap: 18px; padding: 10px 0; border-top: 1px solid var(--line); }
.worked-example dt { color: var(--muted); font-size: 13px; }
.worked-example dd { margin: 0; font-weight: 800; }
.worked-example p { margin: 17px 0 0; color: var(--muted); font-size: 11px; }
.notes-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; margin-top: 31px; }
.notes-grid article { padding: 23px; border: 1px solid var(--line); border-radius: 10px; background: #fff; }
.notes-grid h3 { font-size: 17px; }
.notes-grid p { margin: 10px 0 0; color: var(--muted); font-size: 13px; }
.source-guide > div:first-child { max-width: 800px; }
.source-guide > div:first-child > p:last-child { color: var(--muted); }
.source-guide .notes-grid { grid-template-columns: repeat(3, 1fr); }
.calculator-faq { max-width: 900px; margin: auto; }
.calculator-faq h2 { margin-bottom: 27px; }
.calculator-faq details { border-top: 1px solid #cdd9d4; }
.calculator-faq details:last-child { border-bottom: 1px solid #cdd9d4; }
.calculator-faq summary { padding: 19px 36px 19px 0; font: 700 17px Manrope, sans-serif; cursor: pointer; }
.calculator-faq details p { max-width: 790px; margin: -5px 0 20px; color: var(--muted); }
.calculator-cta { display: flex; align-items: center; justify-content: space-between; gap: 45px; margin-top: 35px; padding: 40px 43px; border-radius: 15px; background: var(--ink); color: #fff; }
.calculator-cta h2 { font-size: 32px; }
.calculator-cta p:not(.eyebrow) { max-width: 700px; color: #b8c9c6; }
.calculator-cta .eyebrow { color: var(--lime); }
.calculator-cta > div:last-child { min-width: 230px; text-align: center; }
.calculator-cta .button { display: block; margin-bottom: 12px; }
.calculator-cta > div:last-child > a:last-child { color: var(--lime); font-size: 12px; font-weight: 800; }
@media (max-width: 980px) {
  .calculator-intro { grid-template-columns: 1fr; gap: 30px; }
  .calculator-intro aside { max-width: 580px; transform: none; }
  .calculator-workspace { grid-template-columns: 1fr; }
  .calculator-guide ol { grid-template-columns: repeat(2, 1fr); }
  .formula-section { gap: 30px; }
  .source-guide .notes-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 850px) {
  .calculator-shell { padding-bottom: 40px; }
}
@media (max-width: 680px) {
  .calculator-intro { padding: 40px 0 32px; }
  .calculator-intro h1 { font-size: 39px; letter-spacing: -1.5px; }
  .calculator-intro > div > p:last-child { font-size: 16px; }
  .calculator-intro aside { padding: 23px; box-shadow: none; }
  .calculator-workspace { margin: 0 -6px; border-radius: 13px; }
  .calculator-form, .calculator-results { padding: 25px 20px; }
  .calculator-form-head h2, .result-head h2 { font-size: 24px; }
  .input-grid { grid-template-columns: 1fr; gap: 15px; margin-top: 25px; }
  .input-grid .full-input { grid-column: auto; }
  .result-grid strong { font-size: 16px; }
  .result-grid .accent-result strong { font-size: 19px; }
  .primary-result strong { font-size: 31px; }
  .fbr-warning { grid-template-columns: 1fr; gap: 18px; margin: 34px 0; padding: 25px 22px; }
  .warning-mark { width: 65px; height: 65px; }
  .fbr-warning > a { min-width: 0; }
  .calculator-guide, .formula-section, .calculator-notes, .calculator-faq { padding: 43px 0; }
  .calculator-guide ol, .notes-grid, .formula-section { grid-template-columns: 1fr; }
  .source-guide .notes-grid { grid-template-columns: 1fr; }
  .calculator-guide li { display: grid; grid-template-columns: 33px 1fr; gap: 10px; }
  .calculator-guide h3 { margin-top: 0; }
  .calculator-guide li p { grid-column: 2; }
  .calculator-cta { align-items: stretch; flex-direction: column; padding: 28px 23px; }
  .calculator-cta > div:last-child { min-width: 0; }
}