.credit-hero { padding-bottom: 38px; }
.credit-layout { display: grid; grid-template-columns: minmax(330px, 430px) minmax(0, 1fr); gap: 22px; align-items: start; padding-bottom: 24px; }
.credit-panel, .credit-results, .schedule-section { background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: 0 18px 50px rgba(31,49,39,.07); }
.credit-panel, .credit-results { padding: 27px; }
.credit-panel h2, .credit-results h2, .schedule-section h2 { margin: 0; font-size: 30px; }
.credit-fields { display: grid; }
.field { margin-top: 17px; }
.field > label, .early-strategy legend { display: block; margin-bottom: 7px; color: #39453e; font-size: 13px; font-weight: 800; }
.field-wrap { position: relative; }
.field input, .field select, .split-field input, .split-field select { width: 100%; height: 52px; padding: 0 14px; color: var(--ink); background: #fafaf6; border: 1px solid #d7dbd3; border-radius: 12px; font: inherit; outline: none; }
.field input, .split-field input { padding-right: 48px; font-size: 18px; font-weight: 800; font-variant-numeric: tabular-nums; }
.field input:focus, .field select:focus, .split-field input:focus, .split-field select:focus { background: #fff; border-color: var(--green); box-shadow: 0 0 0 4px rgba(23,107,75,.1); }
.currency-mark { position: absolute; top: 50%; right: 16px; color: var(--green); font-weight: 850; transform: translateY(-50%); }
.split-field { display: grid; grid-template-columns: minmax(0, 1fr) 132px; gap: 8px; }
.split-field input { padding-right: 14px; }
.field-help { margin: 7px 0 0; color: var(--muted); font-size: 12px; line-height: 1.5; }
.form-error { display: none; margin: 15px 0 0; padding: 11px 13px; color: #8e2e27; background: #fff0ed; border-radius: 10px; font-size: 12px; font-weight: 700; line-height: 1.5; }
.form-error.visible { display: block; }
.early-box { margin-top: 20px; background: #f5f7f2; border: 1px solid #dfe5dc; border-radius: 14px; }
.early-box summary { padding: 15px 17px; color: var(--green-dark); font-size: 14px; font-weight: 850; cursor: pointer; }
.early-box[open] summary { border-bottom: 1px solid #dfe5dc; }
.early-fields { padding: 3px 17px 18px; }
.early-strategy { display: grid; gap: 8px; margin: 18px 0 0; padding: 0; border: 0; }
.early-strategy label { font-size: 13px; cursor: pointer; }
.early-strategy input { accent-color: var(--green); }
.calculate-btn { width: 100%; min-height: 51px; margin-top: 21px; padding: 0 18px; color: #fff; background: var(--green); border: 0; border-radius: 12px; font: inherit; font-weight: 850; cursor: pointer; box-shadow: 0 10px 24px rgba(23,107,75,.18); }
.calculate-btn:hover { background: var(--green-dark); }
.noscript { margin-top: 15px; padding: 12px; background: #fff7e7; border-radius: 10px; }
.results-head, .schedule-head { display: flex; align-items: center; justify-content: space-between; gap: 15px; }
.results-head .eyebrow, .schedule-head .eyebrow { margin-bottom: 2px; }
.results-head button, .schedule-head button { min-height: 40px; padding: 0 13px; color: var(--green-dark); background: #fff; border: 1px solid #bdd0c3; border-radius: 10px; font: inherit; font-size: 12px; font-weight: 800; cursor: pointer; }
.results-head button:hover, .schedule-head button:hover { color: #fff; background: var(--green); }
.credit-result-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin-top: 22px; }
.credit-result-card { min-width: 0; padding: 18px; background: #f7f8f4; border: 1px solid #e1e5de; border-radius: 14px; }
.credit-result-card small { display: block; color: var(--muted); font-size: 12px; }
.credit-result-card output { display: block; margin-top: 6px; font-size: clamp(18px, 3vw, 25px); font-weight: 900; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.credit-result-card.is-main { color: var(--green-dark); background: var(--soft); border-color: #cfe0d5; }
.saving-summary { margin-top: 14px; padding: 16px; color: #fff; background: #17221c; border-radius: 14px; }
.saving-summary > strong { color: #9ee0bd; }
.saving-summary dl { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 12px 0 0; }
.saving-summary dl div { min-width: 0; }
.saving-summary dt { color: #cbd5ce; font-size: 11px; }
.saving-summary dd { margin: 3px 0 0; font-size: 18px; font-weight: 850; overflow-wrap: anywhere; }
.balance-chart { display: flex; height: 120px; margin-top: 18px; align-items: end; gap: 3px; border-bottom: 1px solid #d8ddd6; }
.balance-chart span { flex: 1 1 0; min-width: 2px; background: linear-gradient(#55a57c, var(--green)); border-radius: 3px 3px 0 0; }
.schedule-section { margin: 0 0 32px; padding: 24px 27px; }
.schedule-wrap { margin-top: 19px; overflow-x: auto; }
.schedule-table { width: 100%; border-collapse: collapse; font-size: 13px; font-variant-numeric: tabular-nums; white-space: nowrap; }
.schedule-table th, .schedule-table td { padding: 11px 12px; border-bottom: 1px solid var(--line); text-align: right; }
.schedule-table th:first-child, .schedule-table td:first-child { text-align: left; }
.schedule-table th { color: var(--muted); background: #f7f8f4; font-size: 11px; text-transform: uppercase; }
.schedule-table td.extra { color: var(--green-dark); font-weight: 800; }
.schedule-note { margin: 12px 0 0; color: var(--muted); font-size: 12px; }
.credit-content { max-width: none; }
.credit-content > p, .credit-content > .warning, .credit-content > .faq { max-width: 900px; margin-left: auto; margin-right: auto; }
.credit-content > h2 { max-width: 900px; margin-left: auto; margin-right: auto; }
.credit-articles { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.credit-articles .hub-card { min-height: 250px; }
.toast { position: fixed; right: 20px; bottom: 20px; z-index: 10; padding: 12px 17px; color: #fff; background: #17221c; border-radius: 11px; opacity: 0; transform: translateY(10px); pointer-events: none; transition: .2s; }
.toast.show { opacity: 1; transform: translateY(0); }

@media (max-width: 880px) {
  .credit-layout { grid-template-columns: 1fr; }
  .credit-articles { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 580px) {
  .credit-panel, .credit-results, .schedule-section { padding: 20px 16px; border-radius: 16px; }
  .credit-result-grid, .saving-summary dl, .credit-articles { grid-template-columns: 1fr; }
  .results-head, .schedule-head { align-items: flex-start; flex-direction: column; }
  .results-head button, .schedule-head button { width: 100%; }
  .schedule-section { width: calc(100% + 0px); }
}
@media (prefers-reduced-motion: reduce) { .toast { transition: none; } }