.calc-hero {
  padding-block: clamp(1.75rem, 4vw, 2.75rem) 0;
}

.calc-hero h1 {
  max-width: 22ch;
  margin: 0 0 0.75rem;
  font-size: clamp(2rem, 5.4vw, 3.1rem);
  font-weight: 700;
  letter-spacing: -0.04em;
  line-height: 1.08;
}

.calc-hero .lede {
  margin-bottom: 0;
}

.calc-layout {
  display: grid;
  gap: 1.5rem;
  padding-block: 1.75rem 3rem;
}

@media (min-width: 1024px) {
  .calc-layout {
    grid-template-columns: minmax(0, 1.15fr) minmax(20rem, 0.85fr);
    align-items: start;
    gap: 2rem;
  }

  .results-panel {
    position: sticky;
    top: 5.75rem;
  }
}

.calc-card {
  margin-bottom: 1.15rem;
  padding: 1.45rem 1.25rem 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 8px 24px rgba(18, 35, 58, 0.04);
}

@media (min-width: 560px) {
  .calc-card {
    padding: 1.6rem 1.55rem 1.7rem;
  }
}

.calc-card-head {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: space-between;
  gap: 0.5rem 1rem;
  margin-bottom: 1.15rem;
}

.calc-card h2 {
  margin: 0;
  font-size: 1.2rem;
  font-weight: 700;
  letter-spacing: -0.03em;
}

.calc-num {
  color: var(--accent-hover);
  font-weight: 700;
  margin-right: 0.35rem;
}

.calc-kicker {
  color: var(--faint);
  font-size: 0.82rem;
  font-weight: 600;
}

.badge {
  display: inline-flex;
  align-items: center;
  min-height: 1.7rem;
  padding: 0.2rem 0.55rem;
  border-radius: 999px;
  background: #eef1f5;
  color: var(--navy);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.calc-grid {
  display: grid;
  gap: 0.85rem 1rem;
}

@media (min-width: 560px) {
  .calc-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.calc-grid .field-wide {
  grid-column: 1 / -1;
}

.toggle-row {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.85rem 0 0.15rem;
}

.toggle-copy strong {
  display: block;
  font-size: 0.95rem;
}

.toggle-copy span {
  display: block;
  color: var(--muted);
  font-size: 0.85rem;
}

.switch {
  position: relative;
  flex: none;
  width: 2.7rem;
  height: 1.55rem;
}

.switch input {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
}

.switch i {
  display: block;
  width: 100%;
  height: 100%;
  border-radius: 999px;
  background: #c8cdd4;
  transition: background 0.15s ease;
}

.switch i::after {
  content: "";
  position: absolute;
  top: 0.18rem;
  left: 0.18rem;
  width: 1.18rem;
  height: 1.18rem;
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 1px 4px rgba(18, 35, 58, 0.18);
  transition: transform 0.15s ease;
}

.switch input:checked + i {
  background: var(--navy);
}

.switch input:checked + i::after {
  transform: translateX(1.12rem);
}

.switch input:focus-visible + i {
  outline: 2px solid var(--focus);
  outline-offset: 3px;
}

.sdlt-seg {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
}

.sdlt-btn {
  min-height: 2.4rem;
  padding: 0.4rem 0.7rem;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  background: #fff;
  color: var(--ink);
  font: inherit;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
}

.sdlt-btn.is-on {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
}

.results-panel {
  padding: 1.45rem 1.25rem 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow);
}

@media (min-width: 560px) {
  .results-panel {
    padding: 1.6rem 1.55rem 1.7rem;
  }
}

.results-panel h2 {
  margin: 0 0 1rem;
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: -0.03em;
}

.result-block + .result-block {
  margin-top: 1.1rem;
  padding-top: 1.1rem;
  border-top: 1px solid var(--line);
}

.result-block h3 {
  margin: 0 0 0.7rem;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--faint);
}

.result-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin: 0 0 0.4rem;
  font-size: 0.95rem;
}

.result-row dt {
  margin: 0;
  color: var(--muted);
}

.result-row dd {
  margin: 0;
  font-weight: 700;
  text-align: right;
}

.clear-banner {
  margin: 0.85rem 0 0;
  padding: 0.7rem 0.85rem;
  border-radius: 10px;
  font-size: 0.92rem;
  font-weight: 700;
}

.clear-banner.is-clear {
  background: #e5f4ea;
  color: #1f6b3a;
}

.clear-banner.is-short {
  background: #fdecea;
  color: #8a1f16;
}

.broker-cta {
  margin-top: 1.1rem;
}

.broker-cta p {
  margin: 0 0 0.85rem;
  color: var(--ink);
  font-size: 0.98rem;
  font-weight: 600;
  line-height: 1.45;
}

.broker-cta .btn {
  width: 100%;
}

.email-card {
  margin-top: 1.15rem;
}

.email-card h3 {
  margin: 0 0 0.35rem;
  font-size: 1.1rem;
  font-weight: 700;
}

.reset-row {
  margin: 0.35rem 0 1.1rem;
}

.btn-text {
  border: 0;
  background: none;
  color: var(--navy);
  font: inherit;
  font-size: 0.9rem;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 0.16em;
  cursor: pointer;
  padding: 0;
}

.nav-always {
  display: inline !important;
}

@media (max-width: 420px) {
  .nav-always {
    font-size: 0.82rem !important;
  }
}