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100%;width:70%}.tool-layout{gap:var(--space-6);display:grid}.calculator-panel{background:var(--color-paper-bright);border:1px solid var(--color-line);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:var(--shadow-tight)}.calculator-intro{margin:0 0 var(--space-6);color:var(--color-ink-muted);font-size:var(--text-sm);max-width:var(--measure-narrow)}.calculator-form{gap:var(--space-5);display:grid}.field{gap:var(--space-2);display:grid}.field label{font-weight:600;font-size:var(--text-sm);color:var(--color-ink)}.field input,.field select{width:100%;padding:var(--space-3) var(--space-4);border:1px solid var(--color-line);border-radius:var(--radius-md);font:inherit;font-family:var(--font-mono);font-size:var(--text-base);background:var(--color-paper-bright);color:var(--color-ink);min-height:3rem}.field select{appearance:none;cursor:pointer;background-image:linear-gradient(45deg,#0000 50%,currentColor 50%),linear-gradient(135deg,currentColor 50%,#0000 50%);background-position:calc(100% - 1.1rem) calc(50% - .125rem),calc(100% - .8rem) calc(50% - .125rem);background-repeat:no-repeat;background-size:.35rem .35rem;padding-inline-end:calc(var(--space-4) + 1.75rem)}.field select option{background:var(--color-paper-bright);color:var(--color-ink)}.field input:hover,.field select:hover{border-color:var(--color-line-strong)}.field input:focus,.field select:focus{border-color:var(--color-ink);box-shadow:0 0 0 3px color-mix(in srgb, var(--color-ink) 12%, transparent);outline:none}.field-hint,.field-error,.results-placeholder{font-size:var(--text-sm);margin:0}.field-hint{color:var(--color-ink-muted)}.field-error{color:var(--color-danger);font-weight:500}.amortization-schedule{background:var(--color-paper-bright);border:1px solid var(--color-line);min-width:0;padding:var(--space-6);box-shadow:var(--shadow-tight)}.amortization-schedule h3{margin:0 0 var(--space-4)}.amortization-schedule__scroll{overflow-x:auto}.amortization-schedule table{border-collapse:collapse;width:100%;min-width:42rem;font-family:var(--font-mono);font-size:var(--text-sm)}.amortization-schedule caption{caption-side:top;text-align:start;margin-bottom:var(--space-3);color:var(--color-ink-muted);font-family:var(--font-body)}.amortization-schedule th,.amortization-schedule td{padding:var(--space-3);border-bottom:1px solid var(--color-line);white-space:nowrap;text-align:end}.amortization-schedule th:first-child{text-align:start}.amortization-schedule thead th{color:var(--color-ink-muted);font-family:var(--font-body);font-weight:600}.error-summary{border:1px solid color-mix(in srgb, var(--color-danger) 30%, transparent);background:var(--color-danger-surface);border-radius:var(--radius-md);padding:var(--space-4) var(--space-5);color:var(--color-danger)}.error-summary h3{margin:0 0 var(--space-2);font-size:var(--text-base)}.error-summary ul{margin:0;padding-left:1.2rem}.form-actions{gap:var(--space-3);flex-wrap:wrap;display:flex}.btn{font:inherit;font-weight:700;font-size:var(--text-sm);border-radius:var(--radius-sm);padding:var(--space-3) var(--space-5);cursor:pointer;min-width:3rem;min-height:3rem;transition:background var(--motion-fast) var(--ease-out), border-color var(--motion-fast) var(--ease-out), transform var(--motion-fast) var(--ease-out);border:1px solid #0000;justify-content:center;align-items:center;display:inline-flex}.btn--primary{background:var(--color-ink);color:var(--color-paper-bright)}.btn--primary:hover{background:var(--color-accent-deep)}.btn--secondary{color:var(--color-ink);border-color:var(--color-line-strong);background:0 0}.btn--secondary:hover{border-color:var(--color-ink);background:var(--color-paper)}.btn:focus-visible{outline:3px solid var(--color-focus);outline-offset:3px}:root[data-theme=dark] .btn--primary:focus-visible{outline-color:var(--color-paper)}.results-panel{background:var(--color-ink);color:var(--color-paper-bright);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:var(--shadow-soft)}.results-panel h3{margin:0 0 var(--space-5);font-family:var(--font-display);font-size:var(--text-sm);letter-spacing:.1em;text-transform:uppercase;color:color-mix(in srgb, var(--color-paper-bright) 70%, transparent);font-weight:700}.results-list{gap:var(--space-4);margin:0;display:grid}.results-list>div{justify-content:space-between;align-items:baseline;gap:var(--space-4);padding-bottom:var(--space-3);border-bottom:1px solid color-mix(in srgb, var(--color-paper-bright) 15%, transparent);display:flex}.results-list dt{font-weight:500;font-size:var(--text-sm);color:color-mix(in srgb, var(--color-paper-bright) 75%, transparent)}.results-list dd{font-family:var(--font-mono);font-variant-numeric:tabular-nums;margin:0;font-weight:600}.result-primary dd{letter-spacing:-.02em;font-size:clamp(1.75rem,4vw,2.5rem);font-weight:600}.results-placeholder{color:color-mix(in srgb, var(--color-paper-bright) 80%, transparent);font-size:var(--text-sm)}.guide{border-top:2px solid var(--color-ink);padding-top:var(--space-8)}.guide__title{font-family:var(--font-display);font-size:var(--text-2xl);letter-spacing:-.03em;margin:0 0 var(--space-8);font-weight:700}.guide__section+.guide__section{margin-top:var(--space-8);padding-top:var(--space-8);border-top:1px solid var(--color-line)}.guide__section-title{font-family:var(--font-display);font-size:var(--text-lg);margin:0 0 var(--space-3);font-weight:700}.guide__section-content{color:var(--color-ink-muted);max-width:var(--measure-wide);font-size:var(--text-base);line-height:var(--leading-normal);margin:0}.disclaimer{background:color-mix(in srgb, var(--color-accent) 8%, var(--color-paper-bright));border:1px solid color-mix(in srgb, var(--color-accent) 25%, transparent);border-left:4px solid var(--color-accent);border-radius:var(--radius-md);padding:var(--space-5) var(--space-6)}.disclaimer h2{margin:0 0 var(--space-3);font-family:var(--font-display);font-size:var(--text-base);font-weight:700}.disclaimer p{color:var(--color-ink-muted);font-size:var(--text-sm);margin:0}.related-tools{padding:var(--space-6);background:var(--color-paper-bright);border:1px solid var(--color-line);border-radius:var(--radius-lg)}.related-tools h2{margin:0 0 var(--space-4);font-size:var(--text-base);font-weight:700}.related-tools ul{margin:0;padding-left:1.2rem}.visually-hidden{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.content-section{margin-bottom:var(--space-12)}.recovery-links{gap:var(--space-4);margin-top:var(--space-6);flex-wrap:wrap;display:flex}.recovery-links a{padding:var(--space-3) var(--space-5);border:1px solid var(--color-line-strong);border-radius:var(--radius-sm);align-items:center;min-height:3rem;font-weight:600;text-decoration:none;display:inline-flex}@media (width>=48rem){.hero{grid-template-columns:1.4fr 1fr;align-items:end}.tool-shell-fallback__grid,.tool-layout{grid-template-columns:minmax(0,1.15fr) minmax(18rem,.85fr);align-items:start}.results-panel{top:calc(var(--space-16) + 1rem);position:sticky}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}