.calculator{max-width:720px;margin:0 auto}.calculator__title{color:var(--color-primary);margin:0 0 1.5rem}.calculator__top{display:block}.calculator__intro{margin-bottom:1.5rem}.calculator__intro-desc{display:none}@media(min-width:1024px){.calculator{max-width:1200px}.calculator__title{font-size:var(--text-4xl);margin-bottom:2rem}.calculator__top{display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1.7fr);gap:3rem;align-items:start}.calculator__intro{margin-bottom:0;position:sticky;top:1.5rem}.calculator__intro-desc{display:block;color:var(--color-text-muted);font-size:var(--text-sm);line-height:1.7;margin:0 0 1rem}.calculator__intro-desc:last-child{margin-bottom:0}.calculator__intro-desc strong{color:var(--color-primary);font-weight:600}}.calculator__card{background:#fff;border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:2rem;box-shadow:0 1px 3px #00000014}.calculator__field{margin-bottom:1.5rem}.calculator__field:last-child{margin-bottom:0}.calculator__label{display:block;font-weight:600;color:var(--color-text);margin-bottom:.5rem;font-size:var(--text-sm)}.calculator__label-hint{font-weight:400;color:var(--color-text-muted);font-size:var(--text-xs);display:block;margin-top:.125rem}.calculator__select,.calculator__input{width:100%;padding:.75rem 1rem;border:1px solid var(--color-border);border-radius:var(--radius-md);font-size:var(--text-base);font-family:inherit;color:var(--color-text);background:#fff;transition:border-color .2s}.calculator__select:focus,.calculator__input:focus{outline:none;border-color:var(--color-accent);box-shadow:0 0 0 3px #2b6cb01a}.calculator__input--currency{font-size:var(--text-lg);font-weight:600}.calculator__actions{margin-top:2rem;display:flex;gap:1rem}.calculator__actions .btn{flex:1}.calculator__results{display:none;margin-top:2rem;border:2px solid var(--color-accent);border-radius:var(--radius-lg);overflow:hidden}.calculator__results--visible{display:block;animation:fadeInUp .4s ease}@keyframes fadeInUp{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.calculator__results-header{background:var(--color-primary);color:#fff;padding:1.25rem 2rem;text-align:center}.calculator__results-header h2{font-size:var(--text-xl);margin:0;color:#fff}.calculator__results-body{padding:2rem;background:#f8fafc}.calculator__result-row{display:flex;justify-content:space-between;align-items:center;padding:.75rem 0;border-bottom:1px solid var(--color-border)}.calculator__result-row:last-child{border-bottom:none}.calculator__result-label{color:var(--color-text-muted);font-size:var(--text-sm)}.calculator__result-value{font-weight:600;color:var(--color-text);font-size:var(--text-base)}.calculator__result-row--total{border-bottom:none;border-top:2px solid var(--color-primary);margin-top:.5rem;padding-top:1rem}.calculator__result-row--total .calculator__result-label{font-weight:700;font-size:var(--text-lg);color:var(--color-primary)}.calculator__result-row--total .calculator__result-value{font-size:var(--text-2xl);color:var(--color-cta);font-weight:700}.calculator__results-note{margin-top:1.5rem;padding:1rem;background:#fff;border-left:4px solid var(--color-cta);border-radius:0 var(--radius-md) var(--radius-md) 0;font-size:var(--text-sm);color:var(--color-text-muted);line-height:1.6}.calculator__results-cta{margin-top:1.5rem;text-align:center}.calculator__disclaimer{margin-top:2rem;padding:1rem;background:#fef3cd;border-radius:var(--radius-md);font-size:var(--text-xs);color:#856404;line-height:1.6}@media(max-width:640px){.calculator__card,.calculator__results-body{padding:1.25rem}.calculator__actions{flex-direction:column}.calculator__result-row--total .calculator__result-value{font-size:var(--text-xl)}}.calculator-cta-strong{margin-bottom:var(--space-4);color:var(--color-text)}.calculator-cta-note{margin-top:var(--space-3);font-size:var(--text-sm);color:var(--color-text-muted)}.calculator__input--small{margin-top:.5rem;max-width:200px}.calculator__advanced{margin-top:1.5rem;border:1px solid var(--color-border);border-radius:var(--radius-md);background:#f8fafc}.calculator__advanced-toggle{cursor:pointer;padding:.875rem 1rem;font-weight:600;font-size:var(--text-sm);color:var(--color-primary);list-style:none;user-select:none}.calculator__advanced-toggle::-webkit-details-marker{display:none}.calculator__advanced-toggle:before{content:"+ ";font-weight:700;margin-right:.25rem}.calculator__advanced[open] .calculator__advanced-toggle:before{content:"− "}.calculator__advanced-body{padding:0 1rem 1rem}.calculator__advanced-intro{font-size:var(--text-sm);color:var(--color-text-muted);margin:0 0 1rem;line-height:1.5}.calculator__result-value--accent{color:var(--color-cta);font-weight:700}.calculator__result-label small{display:block;font-size:var(--text-xs);color:var(--color-text-muted);font-weight:400;margin-top:.125rem}.calculator__verdict{margin-top:1.5rem;padding:1.25rem 1.25rem 1rem;border-radius:var(--radius-md);border-left:6px solid var(--color-text-muted);background:#fff}.calculator__verdict-header{display:flex;align-items:center;gap:.75rem;flex-wrap:wrap;margin-bottom:.5rem}.calculator__verdict-badge{display:inline-block;padding:.25rem .625rem;border-radius:999px;font-size:var(--text-xs);font-weight:700;text-transform:uppercase;letter-spacing:.03em;background:#e2e8f0;color:var(--color-text)}.calculator__verdict-title{font-size:var(--text-base);margin:0;color:var(--color-primary);flex:1;min-width:0}.calculator__verdict-body{margin:0 0 .75rem;font-size:var(--text-sm);line-height:1.6;color:var(--color-text)}.calculator__verdict-note{margin:0;font-size:var(--text-xs);color:var(--color-text-muted);line-height:1.5}.calculator__verdict--strong{border-left-color:#2f855a;background:#f0fff4}.calculator__verdict--strong .calculator__verdict-badge{background:#2f855a;color:#fff}.calculator__verdict--borderline{border-left-color:#b7791f;background:#fffbea}.calculator__verdict--borderline .calculator__verdict-badge{background:#b7791f;color:#fff}.calculator__verdict--weak{border-left-color:#c53030;background:#fff5f5}.calculator__verdict--weak .calculator__verdict-badge{background:#c53030;color:#fff}.calculator__verdict--neutral{border-left-color:var(--color-text-muted);background:#f8fafc}.calculator__faq{margin-top:3rem;padding-top:2rem;border-top:1px solid var(--color-border)}.calculator__faq-heading{color:var(--color-primary);font-size:var(--text-2xl);margin:0 0 .5rem}.calculator__faq-intro{color:var(--color-text-muted);font-size:var(--text-base);margin:0 0 1.5rem;line-height:1.6}.calculator__faq-list{display:block}@media(min-width:1024px){.calculator__faq-list{display:grid;grid-template-columns:1fr 1fr;gap:.75rem 1.25rem;align-items:start}}.calculator__faq-item{border:1px solid var(--color-border);border-radius:var(--radius-md);background:#fff;margin-bottom:.75rem;overflow:hidden}.calculator__faq-item[open]{border-color:var(--color-accent);box-shadow:0 1px 3px #0000000f}.calculator__faq-question{cursor:pointer;list-style:none;padding:1rem 2.5rem 1rem 1.25rem;font-weight:600;color:var(--color-primary);font-size:var(--text-base);user-select:none;position:relative;line-height:1.45}.calculator__faq-question::-webkit-details-marker{display:none}.calculator__faq-question:after{content:"+";position:absolute;right:1rem;top:50%;transform:translateY(-50%);font-size:1.25rem;font-weight:700;color:var(--color-accent);line-height:1}.calculator__faq-item[open] .calculator__faq-question:after{content:"−"}.calculator__faq-answer{padding:0 1.25rem 1.25rem;color:var(--color-text);font-size:var(--text-sm);line-height:1.7}.calculator__faq-answer p{margin:0}