.calc-card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);margin-bottom:16px;padding:24px}.calc-card h3{align-items:center;gap:8px;margin-bottom:16px;font-size:15px;font-weight:700;display:flex}.form-row{grid-template-columns:1fr 1fr;gap:16px;display:grid}.form-row-3{grid-template-columns:1fr 1fr 1fr;gap:12px;display:grid}.form-group{margin-bottom:16px}.form-label{color:var(--text);margin-bottom:6px;font-size:13px;font-weight:600;display:block}.form-input,.form-select{border:1px solid var(--border);background:var(--bg);border-radius:8px;outline:none;width:100%;padding:10px 12px;font-family:inherit;font-size:14px}.form-input:focus,.form-select:focus{border-color:var(--primary)}.form-hint{color:var(--muted);margin-top:4px;font-size:11px}.form-check-inline{align-items:center;gap:20px;margin-top:6px;display:flex}.form-check-inline label{cursor:pointer;align-items:center;gap:6px;font-size:13px;display:flex}.form-check-inline input{width:16px;height:16px;accent-color:var(--primary)}.result-panel{background:var(--primary-light);border-radius:var(--radius);border:1px solid #c6945a40;margin-top:20px;padding:24px;display:none}.result-panel.show{display:block}.result-title{color:var(--primary);margin-bottom:16px;font-size:14px;font-weight:700}.ins-table{border-collapse:collapse;width:100%;font-size:13px}.ins-table th,.ins-table td{border-bottom:1px solid var(--border);text-align:right;padding:10px 12px}.ins-table th{text-align:left;color:var(--muted);font-size:12px;font-weight:600}.ins-table td:first-child{text-align:left;font-weight:600}.ins-table tr.total-row{border-top:2px solid var(--text)}.ins-table tr.total-row td{font-size:14px;font-weight:700}.ins-table .excluded{color:var(--muted);font-style:italic}.result-summary{grid-template-columns:1fr 1fr 1fr;gap:12px;margin-top:16px;display:grid}.summary-item{background:var(--bg);text-align:center;border-radius:8px;padding:14px}.summary-item-label{color:var(--muted);margin-bottom:4px;font-size:12px}.summary-item-value{color:var(--text);font-size:18px;font-weight:700}.summary-item-value.highlight{color:var(--primary);font-size:20px}.note-box{background:var(--bg);color:#666;border-radius:8px;margin-top:16px;padding:12px;font-size:12px;line-height:1.7}.legal-note{background:var(--card-bg);color:var(--muted);border-radius:8px;margin-top:16px;padding:12px;font-size:12px;line-height:1.7}.cta-after-result{flex-direction:column;gap:12px;margin-top:24px;display:flex}.cta-card{color:#fff;background:linear-gradient(135deg,#2c3345 0%,#1e2a3a 100%);border-radius:12px;align-items:center;gap:16px;padding:20px;display:flex}.cta-card-alt{background:linear-gradient(135deg,#3a2c1a 0%,#2c3345 100%)}.cta-icon{flex-shrink:0;font-size:32px}.cta-text{flex:1}.cta-text strong{margin-bottom:4px;font-size:15px;display:block}.cta-text p{color:#ffffffb3;margin:0;font-size:13px}.cta-btn{background:var(--primary);color:#fff;white-space:nowrap;border-radius:8px;flex-shrink:0;padding:10px 20px;font-size:14px;font-weight:700;text-decoration:none;transition:opacity .2s}.cta-btn:hover{opacity:.85}.cta-btn-alt{border:1px solid var(--primary);background:#c6945a33}@media (max-width:600px){.cta-card{text-align:center;flex-direction:column}.cta-icon{font-size:28px}}@media (max-width:767px){.form-row,.form-row-3{grid-template-columns:1fr;gap:12px}.result-summary{grid-template-columns:1fr}input,select,textarea{min-height:44px;font-size:16px}button{min-height:44px}}@media (max-width:640px){.form-row,.form-row-3,.result-summary{grid-template-columns:1fr}}