.fctl {
    --fctl-ink: #182333;
    --fctl-muted: #607084;
    --fctl-line: #d9e1ea;
    --fctl-soft: #f7f9fc;
    --fctl-panel: #f1f5f9;
    --fctl-accent: #1f5f8b;
    --fctl-accent-dark: #164767;
    --fctl-good: #167052;
    --fctl-danger: #a33c2f;
    --fctl-warm: #c87422;
    color: var(--fctl-ink);
    font-family: inherit;
}

.fctl * { box-sizing: border-box; }

.fctl-wrap {
    max-width: 980px;
    margin: 0 auto;
    border: 1px solid var(--fctl-line);
    border-radius: 20px;
    background: #fff;
    overflow: hidden;
    box-shadow: 0 16px 44px rgba(30, 49, 70, .08);
}

.fctl-head {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 24px;
    align-items: center;
    padding: 30px 34px;
    background: linear-gradient(135deg, #f8fbfe 0%, #eef4f9 100%);
    border-bottom: 1px solid var(--fctl-line);
}

.fctl-eyebrow,
.fctl-kicker {
    display: inline-block;
    color: var(--fctl-accent-dark);
    font-size: 12px;
    font-weight: 850;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.fctl-head h2 {
    margin: 8px 0 10px;
    font-size: clamp(28px, 4.4vw, 43px);
    line-height: 1.12;
}

.fctl-head p {
    margin: 0;
    max-width: 720px;
    color: var(--fctl-muted);
    line-height: 1.65;
}

.fctl-head-chip {
    min-width: 150px;
    padding: 18px 16px;
    border: 1px solid #cad9e6;
    border-radius: 16px;
    background: #fff;
    text-align: center;
}

.fctl-head-chip span,
.fctl-head-chip strong { display: block; }
.fctl-head-chip span { font-size: 12px; font-weight: 800; color: var(--fctl-muted); text-transform: uppercase; letter-spacing: .05em; }
.fctl-head-chip strong { margin: 3px 0; color: var(--fctl-warm); font-size: 20px; }

.fctl-guidance {
    margin: 24px 34px 0;
    padding: 15px 17px;
    border: 1px solid #d7e3ed;
    border-left: 4px solid var(--fctl-accent);
    border-radius: 11px;
    background: #f8fbfe;
    line-height: 1.6;
}

.fctl-form { padding: 26px 34px 14px; }

.fctl-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

.fctl-field {
    display: block;
    padding: 17px;
    border: 1px solid var(--fctl-line);
    border-radius: 13px;
    background: #fff;
}

.fctl-wide { grid-column: 1 / -1; }
.fctl-label { display: block; margin-bottom: 8px; font-weight: 850; line-height: 1.35; }
.fctl-label b { color: #b42318; }
.fctl-optional { margin-left: 5px; color: var(--fctl-muted); font-size: 12px; font-weight: 650; }

.fctl-money {
    display: flex;
    min-height: 50px;
    align-items: center;
    border: 1px solid #bbc8d6;
    border-radius: 9px;
    background: #fff;
    overflow: hidden;
}

.fctl-money > span {
    align-self: stretch;
    display: flex;
    align-items: center;
    padding: 0 13px;
    border-right: 1px solid var(--fctl-line);
    color: #52657a;
    font-weight: 850;
    background: #f8fafc;
}

.fctl input {
    width: 100%;
    min-width: 0;
    padding: 13px 14px;
    border: 0;
    outline: 0;
    background: transparent;
    color: var(--fctl-ink);
    font: inherit;
    font-size: 16px;
}

.fctl-money:focus-within {
    border-color: var(--fctl-accent);
    box-shadow: 0 0 0 3px rgba(31, 95, 139, .12);
}

.fctl-field small { display: block; margin-top: 8px; color: var(--fctl-muted); line-height: 1.45; }
.fctl-error { display: block; min-height: 18px; margin-top: 5px; color: #b42318; font-size: 12px; font-style: normal; font-weight: 750; }

.fctl-quick { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 9px; }
.fctl-quick button,
.fctl-secondary {
    appearance: none;
    border: 1px solid #b9c7d5;
    border-radius: 9px;
    background: #fff;
    color: var(--fctl-ink);
    font: inherit;
    font-weight: 750;
    cursor: pointer;
}
.fctl-quick button { padding: 7px 10px; font-size: 13px; }
.fctl-quick button:hover,
.fctl-secondary:hover { background: var(--fctl-soft); }

.fctl-actions { display: flex; gap: 10px; padding-top: 18px; }
.fctl-primary,
.fctl-secondary { min-height: 48px; padding: 0 18px; }
.fctl-primary {
    flex: 1;
    border: 0;
    border-radius: 10px;
    background: var(--fctl-accent);
    color: #fff;
    font: inherit;
    font-weight: 850;
    cursor: pointer;
}
.fctl-primary:hover { background: var(--fctl-accent-dark); }

.fctl-results {
    margin: 14px 34px 28px;
    padding: 23px;
    border: 1px solid #d1dee9;
    border-radius: 17px;
    background: #fbfdff;
}

.fctl-results-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; }
.fctl-results-head h3 { margin: 5px 0 5px; color: var(--fctl-accent-dark); font-size: clamp(34px, 6vw, 50px); line-height: 1; }
.fctl-results-head p { margin: 8px 0 0; max-width: 660px; color: var(--fctl-muted); line-height: 1.55; }
.fctl-result-actions { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 8px; }
.fctl-small { min-height: 38px; padding: 0 12px; font-size: 13px; }

.fctl-loan-visual {
    margin: 20px 0 17px;
    padding: 15px 16px;
    border: 1px solid var(--fctl-line);
    border-radius: 12px;
    background: #fff;
}
.fctl-loan-visual-top,
.fctl-meter-labels { display: flex; justify-content: space-between; gap: 14px; }
.fctl-loan-visual-top { margin-bottom: 10px; align-items: center; }
.fctl-loan-visual-top span { font-weight: 850; }
.fctl-loan-visual-top strong { color: var(--fctl-accent-dark); }
.fctl-meter { height: 12px; border-radius: 999px; background: #e9eef4; overflow: hidden; }
.fctl-meter span { display: block; width: 0; height: 100%; border-radius: inherit; background: linear-gradient(90deg, #315f85, #6b98ba); transition: width .25s ease; }
.fctl-meter-labels { margin-top: 8px; color: var(--fctl-muted); font-size: 12px; }

.fctl-key-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.fctl-card { min-width: 0; padding: 15px; border: 1px solid var(--fctl-line); border-radius: 12px; background: #fff; }
.fctl-card span { display: block; min-height: 34px; color: var(--fctl-muted); font-size: 12px; line-height: 1.35; }
.fctl-card strong { display: block; margin-top: 4px; font-size: 19px; word-break: break-word; }
.fctl-card small { display: block; margin-top: 4px; color: var(--fctl-muted); font-size: 11px; }
.fctl-card.fctl-good strong { color: var(--fctl-good); }
.fctl-card.fctl-danger strong { color: var(--fctl-danger); }

.fctl-flow { margin-top: 18px; padding: 18px; border: 1px solid var(--fctl-line); border-radius: 13px; background: #fff; }
.fctl-flow h4 { margin: 0 0 10px; font-size: 18px; }
.fctl-flow-list > div { display: flex; justify-content: space-between; gap: 18px; padding: 9px 0; border-bottom: 1px dashed #dce4ec; }
.fctl-flow-list > div:last-child { border-bottom: 0; }
.fctl-flow-list span { color: var(--fctl-muted); }
.fctl-flow-list strong { text-align: right; }
.fctl-flow-list .fctl-flow-total { padding: 12px 0; font-size: 16px; }
.fctl-flow-list .fctl-flow-total span,
.fctl-flow-list .fctl-flow-total strong { color: var(--fctl-ink); font-weight: 850; }
.fctl-inline-note { margin: 12px 0 0; padding: 11px 12px; border-radius: 9px; background: #fff8ee; color: #6c4b25; line-height: 1.55; font-size: 13px; }

.fctl-method { margin-top: 15px; padding: 14px 16px; border-radius: 10px; background: var(--fctl-panel); line-height: 1.55; font-size: 14px; }

.fctl-info-row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 13px; padding: 0 34px 26px; }
.fctl-info-row article { padding: 17px; border: 1px solid var(--fctl-line); border-radius: 12px; background: #fff; }
.fctl-info-row strong { display: block; margin-bottom: 6px; }
.fctl-info-row p { margin: 0; color: var(--fctl-muted); font-size: 14px; line-height: 1.55; }

.fctl-disclaimer { margin: 0 34px 34px; padding: 18px; border: 1px solid #ead6bd; border-radius: 13px; background: #fffaf3; }
.fctl-disclaimer strong { display: block; margin-bottom: 6px; color: #704213; }
.fctl-disclaimer p { margin: 0; color: #604c35; font-size: 13px; line-height: 1.62; }

@media (max-width: 760px) {
    .fctl-head { grid-template-columns: 1fr; padding: 25px 20px; }
    .fctl-head-chip { display: none; }
    .fctl-guidance { margin: 18px 20px 0; }
    .fctl-form { padding: 20px 20px 10px; }
    .fctl-grid { grid-template-columns: 1fr; }
    .fctl-wide { grid-column: auto; }
    .fctl-results { margin: 12px 20px 24px; padding: 18px; }
    .fctl-results-head { display: block; }
    .fctl-result-actions { justify-content: flex-start; margin-top: 14px; }
    .fctl-key-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .fctl-info-row { grid-template-columns: 1fr; padding: 0 20px 22px; }
    .fctl-disclaimer { margin: 0 20px 24px; }
}

@media (max-width: 480px) {
    .fctl-actions { flex-direction: column; }
    .fctl-primary,
    .fctl-secondary { width: 100%; }
    .fctl-key-grid { grid-template-columns: 1fr; }
    .fctl-meter-labels,
    .fctl-loan-visual-top { align-items: flex-start; flex-direction: column; gap: 5px; }
    .fctl-flow-list > div { align-items: flex-start; flex-direction: column; gap: 4px; }
    .fctl-flow-list strong { text-align: left; }
}

@media print {
    .fctl-head-chip,
    .fctl-form,
    .fctl-actions,
    .fctl-result-actions,
    .fctl-info-row,
    .fctl-disclaimer { display: none !important; }
    .fctl-wrap,
    .fctl-results { border: 0; box-shadow: none; margin: 0; }
    .fctl-results { padding: 0; }
}