.calc-shell{max-width:900px;margin:0 auto;padding:34px 20px 70px}
.calc-help{margin:0 0 14px;color:#627d98;font-size:14px}
.calc-hero{padding:34px 0 26px}
.calc-hero.compact{padding-bottom:18px}
.calc-hero h1{font-size:clamp(32px,5vw,52px);line-height:1.1;margin:8px 0 16px;color:#102a43;letter-spacing:-.04em}
.calc-hero p{max-width:760px;margin:0;color:#52606d;font-size:17px;line-height:1.75}
.calc-eyebrow{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.08em;color:#1f5fae;background:#e7f0fb;padding:5px 10px;border-radius:999px}

.calc-hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:14px}
.calc-hub-group{margin-top:30px}
.calc-hub-group h2{font-size:20px;color:#102a43;margin:0 0 12px}
.calc-hub-card{display:flex;flex-direction:column;gap:8px;padding:22px;border:1px solid #d9e2ec;border-radius:18px;background:#fff;text-decoration:none;box-shadow:0 8px 26px rgba(16,42,67,.06);transition:.18s transform,.18s box-shadow}
.calc-hub-card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(16,42,67,.1)}
.calc-card-icon{font-size:28px}
.calc-hub-card strong{font-size:19px;color:#102a43}
.calc-hub-card>span{color:#627d98;line-height:1.6;font-size:14px}
.calc-hub-card em{margin-top:auto;font-style:normal;font-weight:800;color:#1f5fae;font-size:14px}

.calc-form-card{margin-top:20px;padding:26px;border:1px solid #d9e2ec;border-radius:20px;background:#fff;box-shadow:0 8px 30px rgba(16,42,67,.05)}
.calc-tabs{display:flex;gap:8px;margin-bottom:18px;flex-wrap:wrap}
.calc-tab{border:1px solid #bcccdc;background:#fff;color:#334e68;font-weight:700;padding:9px 14px;border-radius:999px;cursor:pointer;font-size:14px}
.calc-tab.is-active{background:#12355b;border-color:#12355b;color:#fff}
.calc-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.calc-field{display:flex;flex-direction:column;gap:7px}
.calc-field>span{font-weight:800;color:#334e68;font-size:14px}
.calc-field select,.calc-field input{width:100%;box-sizing:border-box;border:1px solid #bcccdc;border-radius:12px;background:#fff;padding:12px 13px;font:inherit;color:#102a43;min-height:46px}
.calc-field small{color:#829ab1}
.calc-primary{display:inline-flex;justify-content:center;align-items:center;margin-top:20px;border:0;border-radius:12px;background:#12355b;color:#fff;font-weight:800;font-size:16px;padding:14px 22px;cursor:pointer}
.calc-primary:disabled{opacity:.5;cursor:not-allowed}
.calc-error{margin:14px 0 0;color:#a61b1b;font-weight:700}
.calc-warning{margin:14px 0 0;padding:12px 14px;border-radius:12px;background:#fff3cd;color:#6a4a00;font-weight:700}

.calc-result{scroll-margin-top:20px;margin-top:24px;border-radius:24px;background:#102a43;color:#fff;padding:28px;box-shadow:0 18px 42px rgba(16,42,67,.18)}
.calc-result-main>span{display:block;color:#c8ddf3;font-weight:700}
.calc-result-main>strong{display:block;margin:8px 0;font-size:clamp(32px,6vw,50px);letter-spacing:-.04em}
.calc-result-main p{margin:0;color:#e9f2fb}
.calc-result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:22px}
.calc-result-grid div{padding:16px;border-radius:14px;background:rgba(255,255,255,.08)}
.calc-result-grid span{display:block;color:#c8ddf3;font-size:13px}
.calc-result-grid strong{display:block;margin-top:5px;font-size:19px}
.calc-disclaimer{margin:16px 0 0;color:#c8ddf3;font-size:13px;line-height:1.6}

.calc-info-box,.calc-content-section{margin-top:22px;padding:26px;border:1px solid #d9e2ec;border-radius:20px;background:#fff}
.calc-info-box h2,.calc-content-section h2{margin:0 0 10px;font-size:22px;color:#102a43}
.calc-info-box p,.calc-content-section p{margin:0;color:#52606d;line-height:1.75}
.calc-content-section ul{margin:14px 0 0;padding-left:20px;color:#52606d;line-height:1.75}
.calc-faq{display:flex;flex-direction:column;gap:10px}
.calc-faq-item{border:1px solid #d9e2ec;border-radius:14px;background:#f8fafc}
.calc-faq-item summary{cursor:pointer;padding:15px 16px;font-weight:800;color:#243b53}
.calc-faq-item p{padding:0 16px 16px;margin:0;color:#52606d;line-height:1.7}
.calc-related{margin-top:24px;padding:22px;border-radius:18px;background:#f0f4f8}
.calc-related>strong{display:block;margin-bottom:12px;color:#102a43}
.calc-related>div{display:flex;flex-wrap:wrap;gap:8px}
.calc-related a{display:inline-flex;padding:9px 12px;border-radius:999px;background:#fff;border:1px solid #bcccdc;color:#174a7c;text-decoration:none;font-weight:700;font-size:14px}
.calc-related a:hover{text-decoration:underline}

@media(max-width:900px){.calc-hub-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){
  .calc-shell{padding:22px 14px 50px}
  .calc-hub-grid,.calc-form-grid,.calc-result-grid{grid-template-columns:1fr}
  .calc-form-card,.calc-info-box,.calc-result,.calc-content-section{padding:20px;border-radius:18px}
  .calc-hero p{font-size:16px}
  .calc-primary{width:100%;min-height:50px}
  .calc-result-main>strong{font-size:32px;overflow-wrap:anywhere}
}
.calc-calculator [hidden]{display:none!important}