.refi-calculator{background:#fff;border:1px solid #ececec;border-radius:24px;box-shadow:0 20px 56px rgba(20,20,20,.08);overflow:hidden}
.refi-calculator__head{padding:1.8rem 2rem;background:linear-gradient(135deg,#fff7ea,#fff)}
.refi-calculator__eyebrow{font-family:'helvetica-medium',sans-serif;font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:#d27f00;margin-bottom:.45rem}
.refi-calculator__head h2{font-family:'helvetica-thin',sans-serif;font-weight:200;font-size:clamp(1.6rem,3vw,2.25rem);line-height:1.12;margin:0 0 .55rem;color:#0e0e0e}
.refi-calculator__head p{margin:0;color:#505050;max-width:68ch}
.refi-calculator__grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0}
.refi-calculator__inputs{padding:2rem;border-right:1px solid #ececec}
.refi-field{margin-bottom:1.2rem}
.refi-field label{display:flex;justify-content:space-between;gap:1rem;font-family:'helvetica-medium',sans-serif;font-size:.86rem;color:#1b1b1b;margin-bottom:.45rem}
.refi-field small{display:block;color:#777;font-size:.78rem;line-height:1.45;margin-top:.35rem}
.refi-field input{width:100%;border:1px solid #ddd;border-radius:11px;padding:.82rem .9rem;font:1rem 'helvetica-light',sans-serif;color:#111;background:#fff}
.refi-field input:focus{outline:2px solid rgba(245,166,35,.28);border-color:#F5A623}
.refi-calculator__results{padding:2rem;background:linear-gradient(180deg,#171717,#0e0e0e);color:#fff}
.refi-result-primary{padding-bottom:1.1rem;border-bottom:1px solid rgba(255,255,255,.13)}
.refi-result-primary span{display:block;color:rgba(255,255,255,.62);font-size:.78rem;letter-spacing:.11em;text-transform:uppercase}
.refi-result-primary strong{display:block;color:#F5A623;font-family:'helvetica-thin',sans-serif;font-weight:200;font-size:clamp(2.2rem,5vw,3rem);line-height:1.05;margin:.35rem 0}
.refi-result-primary small{color:rgba(255,255,255,.72)}
.refi-result-grid{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin:1rem 0}
.refi-result{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.09);border-radius:12px;padding:.85rem}
.refi-result span{display:block;color:rgba(255,255,255,.58);font-size:.72rem;line-height:1.35;margin-bottom:.25rem}
.refi-result strong{font-family:'helvetica-medium',sans-serif;font-size:.98rem;color:#fff}
.refi-verdict{border-left:3px solid #F5A623;background:rgba(245,166,35,.1);padding:.8rem .9rem;margin:0 0 1rem;font-size:.86rem;line-height:1.5;color:#fff}
.refi-no-saving .refi-result-primary strong{color:#ff9d9d}
.refi-no-saving .refi-verdict{border-color:#ff7777;background:rgba(255,119,119,.1)}
.refi-calculator .mgcta{margin:1rem 0 0}
.refi-calculator .mgcta-inner{padding:1.15rem;border-radius:14px}
.refi-calculator .mgcta-form input{margin-bottom:.55rem}
.refi-calculator__note{padding:1rem 2rem;background:#fafafa;border-top:1px solid #ececec;color:#666;font-size:.8rem;line-height:1.55}
.refi-calculator__note a{color:#a86100}
.refi-route{margin:1.6rem 0 2rem;padding:1.3rem 1.5rem;border:1px solid #f0d49c;border-radius:14px;background:#fff8eb}
.refi-route strong{display:block;color:#111;font-family:'helvetica-medium',sans-serif;margin-bottom:.3rem}
.refi-route p{margin:.25rem 0 .9rem}
.refi-route a{display:inline-block;background:#F5A623;color:#111!important;text-decoration:none;border-radius:999px;padding:.7rem 1.1rem;font-family:'helvetica-medium',sans-serif;font-size:.9rem}
@media(max-width:760px){
  .refi-calculator__grid{grid-template-columns:1fr}
  .refi-calculator__inputs{border-right:0;border-bottom:1px solid #ececec;padding:1.35rem}
  .refi-calculator__results{padding:1.35rem}
  .refi-calculator__head,.refi-calculator__note{padding:1.3rem}
}
@media(max-width:420px){.refi-result-grid{grid-template-columns:1fr}.refi-field label{display:block}}