.tool-hero{
  display:grid;
  grid-template-columns:1.02fr .98fr;
  gap:32px;
  align-items:center;
  padding:120px 0 56px;
}

.tool-title{
  max-width:10ch;
}

.hero-pills{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
}

.hero-intro-points{
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 1fr));
  gap:14px;
  margin-top:20px;
}

.hero-intro-point{
  position:relative;
  z-index:1;
  padding:16px;
  border-radius:18px;
  background:linear-gradient(180deg, rgba(255,255,255,0.038), rgba(255,255,255,0.022));
  border:1px solid rgba(255,255,255,0.06);
}

.hero-intro-label{
  display:block;
  font-size:.82rem;
  color:var(--gg-muted);
  margin-bottom:8px;
}

.section-emphasis{
  padding-top:10px;
}

.section-muted{
  position:relative;
}

.section-muted::before{
  content:"";
  position:absolute;
  inset:0;
  border-radius:32px;
  background:linear-gradient(180deg, rgba(255,255,255,0.02), rgba(255,255,255,0));
  pointer-events:none;
}

.calculator-layout{
  display:grid;
  grid-template-columns:minmax(0, 1fr) minmax(0, 1fr);
  gap:28px;
  align-items:stretch;
}

.calc-card,
.results-card{
  min-height:100%;
  height:100%;
}

.card-heading{
  margin-bottom:20px;
}

.card-heading h3{
  margin:0 0 8px;
  font-size:1.28rem;
}

.card-heading p{
  margin:0;
  color:var(--gg-text-soft);
}

.input-grid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 1fr));
  gap:18px;
}

.field{
  display:flex;
  flex-direction:column;
  gap:8px;
}

.field-span-2{
  grid-column:1 / -1;
}

.field label{
  color:rgba(240,236,255,0.94);
  font-weight:700;
  font-size:1rem;
}

.input-wrap,
.select-wrap{
  position:relative;
}

.input-prefix{
  position:absolute;
  left:14px;
  top:50%;
  transform:translateY(-50%);
  color:var(--gg-text-soft);
  font-weight:700;
  pointer-events:none;
}

.input-suffix{
  position:absolute;
  right:14px;
  top:50%;
  transform:translateY(-50%);
  color:var(--gg-text-soft);
  font-weight:700;
  pointer-events:none;
}

.input-wrap input{
  width:100%;
  min-height:64px;
  padding:0 16px 0 34px;
  border-radius:16px;
  border:1px solid rgba(255,255,255,0.08);
  background:linear-gradient(180deg, rgba(255,255,255,0.04), rgba(255,255,255,0.025));
  color:var(--gg-text);
  outline:none;
  transition:border-color .2s ease, box-shadow .2s ease;
  font-size:1.05rem;
}

.input-wrap-suffix input{
  padding:0 42px 0 16px;
}

.input-wrap input::placeholder{
  color:rgba(205,196,232,0.46);
}

.input-wrap input:focus,
.select-wrap select:focus{
  border-color:rgba(32,220,255,0.38);
  box-shadow:0 0 0 4px rgba(32,220,255,0.08);
}

.select-wrap select{
  width:100%;
  min-height:64px;
  padding:0 16px;
  border-radius:16px;
  border:1px solid rgba(255,255,255,0.08);
  background:linear-gradient(180deg, rgba(255,255,255,0.04), rgba(255,255,255,0.025));
  color:var(--gg-text);
  outline:none;
  font-size:1.05rem;
  appearance:none;
}

.note-row{
  margin-top:18px;
}

.mini-info{
  padding:18px 20px;
  border-radius:18px;
  background:linear-gradient(180deg, rgba(255,255,255,0.038), rgba(255,255,255,0.022));
  border:1px solid rgba(255,255,255,0.06);
}

.mini-info-label{
  display:inline-block;
  margin-bottom:10px;
  color:var(--gg-cyan);
  font-weight:800;
  font-size:.9rem;
}

.mini-info p{
  margin:0;
  color:var(--gg-text-soft);
  line-height:1.7;
}

.button-row{
  display:flex;
  gap:14px;
  flex-wrap:wrap;
  margin-top:22px;
}

.results-top{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:16px;
  margin-bottom:20px;
}

.results-title{
  margin:14px 0 0;
  font-size:1.75rem;
}

.result-badge{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:40px;
  padding:0 14px;
  border-radius:999px;
  font-weight:800;
  white-space:nowrap;
  border:1px solid rgba(255,255,255,0.08);
}

.result-badge.light{
  color:#061312;
  background:linear-gradient(135deg, #7fffd4, #20dcff);
}

.result-badge.moderate{
  color:#17110a;
  background:linear-gradient(135deg, #ffe082, #ffb74d);
}

.result-badge.heavy{
  color:#fff0f5;
  background:linear-gradient(135deg, #ff6fae, #ff35d4);
}

.result-badge.invalid{
  color:rgba(240,236,255,0.94);
  background:rgba(255,255,255,0.05);
}

.results-grid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 1fr));
  gap:14px;
}

.result-box{
  padding:18px;
  border-radius:20px;
  background:linear-gradient(180deg, rgba(255,255,255,0.038), rgba(255,255,255,0.022));
  border:1px solid rgba(255,255,255,0.06);
}

.result-box-highlight{
  border-color:rgba(32,220,255,0.16);
  box-shadow:0 0 0 1px rgba(32,220,255,0.04) inset;
}

.result-label{
  display:block;
  color:var(--gg-muted);
  font-size:.88rem;
  margin-bottom:10px;
}

.result-value{
  display:block;
  font-family:"Sora", Arial, sans-serif;
  font-size:1.24rem;
  letter-spacing:-0.04em;
  color:rgba(248,244,255,0.97);
}

.result-value-hero{
  font-size:1.72rem;
  background:linear-gradient(90deg, var(--gg-cyan), #9c98ff, var(--gg-magenta));
  -webkit-background-clip:text;
  background-clip:text;
  color:transparent;
}

.summary-panel{
  margin-top:18px;
  padding:18px;
  border-radius:20px;
  background:linear-gradient(180deg, rgba(255,255,255,0.038), rgba(255,255,255,0.022));
  border:1px solid rgba(255,255,255,0.06);
}

.summary-label{
  display:inline-block;
  margin-bottom:10px;
  color:var(--gg-cyan);
  font-weight:800;
  font-size:.88rem;
}

.summary-text{
  margin:0;
  color:var(--gg-text-soft);
  line-height:1.7;
}

.loan-stats{
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 1fr));
  gap:14px;
  margin-top:18px;
}

.loan-stat-item{
  padding:16px 18px;
  border-radius:18px;
  background:linear-gradient(180deg, rgba(255,255,255,0.038), rgba(255,255,255,0.022));
  border:1px solid rgba(255,255,255,0.06);
}

.loan-stat-label{
  display:block;
  color:var(--gg-muted);
  font-size:.88rem;
  margin-bottom:8px;
}

.loan-stat-item strong{
  font-family:"Sora", Arial, sans-serif;
  color:rgba(248,244,255,0.97);
  font-size:1.08rem;
  letter-spacing:-0.03em;
}

.warning-panel{
  margin-top:18px;
  padding:18px;
  border-radius:20px;
  background:linear-gradient(180deg, rgba(255,111,174,0.12), rgba(255,53,212,0.08));
  border:1px solid rgba(255,111,174,0.18);
}

.warning-label{
  display:inline-block;
  margin-bottom:10px;
  color:#ffd3ea;
  font-weight:800;
  font-size:.88rem;
}

.warning-text{
  margin:0;
  color:#f7d8ea;
  line-height:1.7;
}

.info-card p{
  margin:0;
}

.info-card strong{
  color:rgba(248,244,255,0.96);
}

.usage-grid .tool-card{
  min-height:198px;
}

@media (max-width: 1100px){
  .tool-hero,
  .calculator-layout{
    grid-template-columns:1fr;
  }
}

@media (max-width: 760px){
  .input-grid,
  .results-grid,
  .loan-stats,
  .hero-intro-points{
    grid-template-columns:1fr;
  }

  .field-span-2{
    grid-column:auto;
  }

  .button-row{
    flex-direction:column;
    align-items:stretch;
    width:100%;
  }
}