.sbalf-calculator {
  --sbalf-navy: #17365d;
  --sbalf-blue: #2f75b5;
  --sbalf-blue-dark: #245f96;
  --sbalf-ink: #172033;
  --sbalf-muted: #5f6b7a;
  --sbalf-line: #dbe4ee;
  --sbalf-pale: #f3f7fb;
  --sbalf-white: #ffffff;
  color: var(--sbalf-ink);
  font-family: Inter, Manrope, Arial, sans-serif;
  margin: 0 auto;
  max-width: 1180px;
  width: 100%;
}

.sbalf-calculator *,
.sbalf-calculator *::before,
.sbalf-calculator *::after { box-sizing: border-box; }

.sbalf-calculator__intro { margin: 0 auto 30px; max-width: 760px; text-align: center; }
.sbalf-calculator__eyebrow { color: var(--sbalf-blue); font-size: 13px; font-weight: 800; letter-spacing: .12em; margin: 0 0 9px; text-transform: uppercase; }
.sbalf-calculator__intro h2 { color: var(--sbalf-navy); font-size: clamp(30px, 4vw, 46px); line-height: 1.12; margin: 0 0 14px; }
.sbalf-calculator__intro > p:last-child { color: var(--sbalf-muted); font-size: 17px; line-height: 1.7; margin: 0; }

.sbalf-calculator__shell { background: var(--sbalf-white); border: 1px solid var(--sbalf-line); border-radius: 20px; box-shadow: 0 18px 55px rgba(23, 54, 93, .12); display: grid; grid-template-columns: minmax(0, 1fr) minmax(360px, .84fr); overflow: hidden; }
.sbalf-calculator__inputs { padding: clamp(26px, 4vw, 48px); }
.sbalf-calculator__inputs h3 { color: var(--sbalf-navy); font-size: 23px; margin: 0 0 25px; }
.sbalf-calculator__field { margin-bottom: 21px; }
.sbalf-calculator__field-grid { display: grid; gap: 18px; grid-template-columns: 1fr 1fr; }
.sbalf-calculator label { color: var(--sbalf-ink); display: block; font-size: 14px; font-weight: 700; margin: 0 0 8px; }
.sbalf-calculator label span { color: var(--sbalf-muted); font-weight: 500; }
.sbalf-calculator__input-wrap, .sbalf-calculator__select-wrap { align-items: center; background: var(--sbalf-white); border: 1px solid #bccbd9; border-radius: 9px; display: flex; min-height: 52px; transition: border-color .2s, box-shadow .2s; }
.sbalf-calculator__input-wrap:focus-within, .sbalf-calculator__select-wrap:focus-within { border-color: var(--sbalf-blue); box-shadow: 0 0 0 3px rgba(47, 117, 181, .14); }
.sbalf-calculator__input-wrap > span { color: var(--sbalf-navy); flex: 0 0 auto; font-size: 18px; font-weight: 800; padding-left: 16px; }
.sbalf-calculator__input-wrap--suffix > span { padding: 0 16px 0 8px; }
.sbalf-calculator input, .sbalf-calculator select { appearance: none; background: transparent !important; border: 0 !important; box-shadow: none !important; color: var(--sbalf-ink) !important; font: inherit; font-size: 17px; font-weight: 700; height: 50px; margin: 0 !important; outline: 0; padding: 0 15px !important; width: 100%; }
.sbalf-calculator__select-wrap { position: relative; }
.sbalf-calculator__select-wrap::after { border: solid var(--sbalf-navy); border-width: 0 2px 2px 0; content: ""; height: 8px; pointer-events: none; position: absolute; right: 18px; top: 19px; transform: rotate(45deg); width: 8px; }
.sbalf-calculator select { cursor: pointer; padding-right: 42px !important; }
.sbalf-calculator__range-labels { color: var(--sbalf-muted); display: flex; font-size: 11px; justify-content: space-between; margin-top: 6px; }
.sbalf-calculator__help { color: var(--sbalf-muted); font-size: 12px; line-height: 1.45; margin: 7px 0 0; }
.sbalf-calculator__actions { align-items: center; display: flex; gap: 15px; margin-top: 6px; }
.sbalf-calculator__calculate, .sbalf-calculator__reset { border: 0; border-radius: 8px; cursor: pointer; font-family: inherit; font-size: 15px; font-weight: 800; min-height: 48px; padding: 0 22px; transition: background .2s, transform .2s; }
.sbalf-calculator__calculate { background: var(--sbalf-navy); color: var(--sbalf-white); }
.sbalf-calculator__calculate:hover { background: var(--sbalf-blue); transform: translateY(-1px); }
.sbalf-calculator__reset { background: transparent; color: var(--sbalf-blue); padding-left: 4px; padding-right: 4px; }
.sbalf-calculator__reset:hover { color: var(--sbalf-navy); }
.sbalf-calculator__error { background: #fff1f1; border: 1px solid #e8b2b2; border-radius: 7px; color: #8b1e1e; font-size: 13px; line-height: 1.45; margin: 16px 0 0; padding: 10px 12px; }

.sbalf-calculator__results { background: linear-gradient(145deg, var(--sbalf-navy), #214d80); color: var(--sbalf-white); padding: clamp(28px, 4vw, 48px); }
.sbalf-calculator__results-label { color: #d4e5f5; font-size: 13px; font-weight: 800; letter-spacing: .08em; margin: 0 0 7px; text-transform: uppercase; }
.sbalf-calculator__payment { color: var(--sbalf-white); font-size: clamp(38px, 5vw, 58px); font-weight: 800; letter-spacing: -.04em; line-height: 1; margin: 0; }
.sbalf-calculator__payment-note { color: #c4d8eb; font-size: 12px; margin: 7px 0 25px; }
.sbalf-calculator__summary { border-bottom: 1px solid rgba(255,255,255,.16); border-top: 1px solid rgba(255,255,255,.16); display: grid; grid-template-columns: 1fr 1fr; padding: 8px 0; }
.sbalf-calculator__summary div { padding: 13px 0; }
.sbalf-calculator__summary span, .sbalf-calculator__summary strong { display: block; }
.sbalf-calculator__summary span { color: #c4d8eb; font-size: 11px; margin-bottom: 4px; }
.sbalf-calculator__summary strong { color: var(--sbalf-white); font-size: 16px; }
.sbalf-calculator__breakdown { margin: 22px 0; }
.sbalf-calculator__breakdown-labels { color: #d4e5f5; display: flex; font-size: 11px; justify-content: space-between; margin-bottom: 7px; }
.sbalf-calculator__bar { background: rgba(255,255,255,.15); border-radius: 99px; display: flex; height: 9px; overflow: hidden; }
.sbalf-calculator__bar-principal { background: #69b7f0; transition: width .35s ease; }
.sbalf-calculator__bar-interest { background: #f3b860; transition: width .35s ease; }
.sbalf-calculator__year-one { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); border-radius: 10px; margin: 0 0 22px; padding: 16px; }
.sbalf-calculator__year-one h4 { color: var(--sbalf-white); font-size: 13px; margin: 0 0 11px; }
.sbalf-calculator__year-one > div { display: grid; gap: 8px; grid-template-columns: repeat(3, 1fr); }
.sbalf-calculator__year-one p { margin: 0; }
.sbalf-calculator__year-one span, .sbalf-calculator__year-one strong { display: block; }
.sbalf-calculator__year-one span { color: #c4d8eb; font-size: 10px; line-height: 1.35; min-height: 28px; }
.sbalf-calculator__year-one strong { color: var(--sbalf-white); font-size: 13px; margin-top: 3px; }
.sbalf-calculator__cta { align-items: center; background: var(--sbalf-white); border-radius: 8px; color: var(--sbalf-navy) !important; display: flex; font-size: 15px; font-weight: 800; justify-content: center; min-height: 51px; padding: 12px 18px; text-align: center; text-decoration: none !important; transition: background .2s, color .2s, transform .2s; }
.sbalf-calculator__cta:hover { background: #e8f3fc; color: var(--sbalf-blue-dark) !important; transform: translateY(-1px); }
.sbalf-calculator__cta span { font-size: 21px; margin-left: 9px; }
.sbalf-calculator__cta-note { color: #c4d8eb; font-size: 11px; margin: 9px 0 0; text-align: center; }

.sbalf-calculator__schedule { background: var(--sbalf-white); border: 1px solid var(--sbalf-line); border-radius: 10px; margin-top: 18px; overflow: hidden; }
.sbalf-calculator__schedule summary { color: var(--sbalf-navy); cursor: pointer; font-size: 14px; font-weight: 800; padding: 17px 20px; }
.sbalf-calculator__table-wrap { border-top: 1px solid var(--sbalf-line); max-height: 410px; overflow: auto; }
.sbalf-calculator table { border-collapse: collapse; font-size: 13px; margin: 0; min-width: 600px; width: 100%; }
.sbalf-calculator th, .sbalf-calculator td { border: 0; border-bottom: 1px solid var(--sbalf-line); padding: 12px 20px; text-align: right; }
.sbalf-calculator th:first-child, .sbalf-calculator td:first-child { text-align: left; }
.sbalf-calculator th { background: var(--sbalf-pale); color: var(--sbalf-navy); font-weight: 800; position: sticky; top: 0; }
.sbalf-calculator td { color: var(--sbalf-muted); }
.sbalf-calculator__disclaimer { color: var(--sbalf-muted); font-size: 11px; line-height: 1.55; margin: 15px 4px 0; }
.sbalf-calculator__disclaimer strong { color: var(--sbalf-ink); }

@media (max-width: 850px) {
  .sbalf-calculator__shell { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .sbalf-calculator__field-grid { grid-template-columns: 1fr; gap: 0; }
  .sbalf-calculator__summary { grid-template-columns: 1fr; }
  .sbalf-calculator__summary div { border-bottom: 1px solid rgba(255,255,255,.1); }
  .sbalf-calculator__summary div:last-child { border: 0; }
  .sbalf-calculator__year-one > div { grid-template-columns: 1fr; }
  .sbalf-calculator__year-one span { min-height: 0; }
  .sbalf-calculator__actions { align-items: stretch; flex-direction: column; }
  .sbalf-calculator__reset { min-height: 36px; }
}

@media (prefers-reduced-motion: reduce) {
  .sbalf-calculator *, .sbalf-calculator *::before, .sbalf-calculator *::after { scroll-behavior: auto !important; transition: none !important; }
}