.ptc {
    --ptc-ink: #152334;
    --ptc-muted: #5f6d7c;
    --ptc-line: #dbe3ea;
    --ptc-soft: #f7f9fb;
    --ptc-accent: #245f78;
    --ptc-accent-dark: #19485c;
    --ptc-positive: #176a4a;
    color: var(--ptc-ink);
    font-family: inherit;
}

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

.ptc-shell {
    max-width: 920px;
    margin: 0 auto;
    border: 1px solid var(--ptc-line);
    border-radius: 20px;
    background: #fff;
    overflow: hidden;
}

.ptc-hero {
    padding: 30px 34px 24px;
    border-bottom: 1px solid var(--ptc-line);
    background: #fbfcfd;
}

.ptc-badge,
.ptc-kicker {
    display: inline-block;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--ptc-accent-dark);
}

.ptc-hero h2 {
    margin: 7px 0 9px;
    font-size: clamp(28px, 4.2vw, 42px);
    line-height: 1.12;
}

.ptc-hero p,
.ptc-note,
.ptc-help p,
.ptc-disclaimer p,
.ptc-formula p {
    line-height: 1.62;
}

.ptc-hero p {
    max-width: 720px;
    margin: 0;
    color: var(--ptc-muted);
}

.ptc-note {
    margin: 22px 34px 0;
    padding: 15px 17px;
    border: 1px solid #cee0e8;
    border-radius: 12px;
    background: #f3f8fa;
}

.ptc-note strong,
.ptc-note span { display: block; }
.ptc-note span { margin-top: 4px; color: var(--ptc-muted); }

.ptc-form { padding: 26px 34px 12px; }

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

.ptc-card {
    padding: 18px;
    border: 1px solid var(--ptc-line);
    border-radius: 14px;
    background: #fff;
}

.ptc-card label {
    display: block;
    margin-bottom: 9px;
    font-weight: 800;
    line-height: 1.35;
}

.ptc-card label b { color: #b42318; }

.ptc-money,
.ptc-rate {
    display: flex;
    align-items: center;
    min-height: 50px;
    border: 1px solid #b9c6d2;
    border-radius: 10px;
    overflow: hidden;
    background: #fff;
}

.ptc-money > span,
.ptc-rate > span {
    padding: 0 13px;
    color: #4d5e70;
    font-weight: 800;
}

.ptc-money > span { border-right: 1px solid var(--ptc-line); }
.ptc-rate > span { border-left: 1px solid var(--ptc-line); }

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

.ptc-money:focus-within,
.ptc-rate:focus-within {
    border-color: var(--ptc-accent);
    box-shadow: 0 0 0 3px rgba(36, 95, 120, .12);
}

.ptc-card small {
    display: block;
    margin-top: 8px;
    color: var(--ptc-muted);
    line-height: 1.45;
}

.ptc-error {
    display: block;
    min-height: 17px;
    margin-top: 5px;
    color: #b42318;
    font-size: 12px;
    font-style: normal;
    font-weight: 700;
}

.ptc-actions {
    display: flex;
    gap: 10px;
    padding-top: 17px;
}

.ptc-primary,
.ptc-secondary {
    min-height: 48px;
    padding: 0 18px;
    border-radius: 10px;
    font: inherit;
    font-weight: 800;
    cursor: pointer;
}

.ptc-primary {
    flex: 1;
    border: 0;
    background: var(--ptc-accent);
    color: #fff;
}

.ptc-secondary {
    border: 1px solid #bac6d1;
    background: #fff;
    color: var(--ptc-ink);
}

.ptc-primary:hover { background: var(--ptc-accent-dark); }
.ptc-secondary:hover { background: var(--ptc-soft); }

.ptc-results {
    margin: 15px 34px 28px;
    padding: 24px;
    border: 1px solid #d5e1e9;
    border-radius: 16px;
    background: #fbfcfd;
}

.ptc-result-head {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 20px;
}

.ptc-result-head h3 {
    margin: 5px 0 7px;
    font-size: clamp(34px, 6vw, 50px);
    line-height: 1;
    color: var(--ptc-positive);
}

.ptc-result-head p {
    margin: 0;
    color: var(--ptc-muted);
    line-height: 1.5;
}

.ptc-result-actions {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    justify-content: flex-end;
}

.ptc-small {
    min-height: 38px;
    padding: 0 12px;
    font-size: 13px;
}

.ptc-metrics {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 10px;
    margin-top: 22px;
}

.ptc-metric {
    padding: 16px;
    border: 1px solid var(--ptc-line);
    border-radius: 12px;
    background: #fff;
}

.ptc-metric span {
    display: block;
    min-height: 34px;
    color: var(--ptc-muted);
    font-size: 12px;
    line-height: 1.35;
}

.ptc-metric strong {
    display: block;
    margin-top: 6px;
    font-size: 19px;
    word-break: break-word;
}

.ptc-monthly strong { color: var(--ptc-accent-dark); }

.ptc-formula {
    margin-top: 16px;
    padding: 16px 17px;
    border-radius: 12px;
    background: #edf4f7;
}

.ptc-formula p { margin: 5px 0 0; color: var(--ptc-muted); }

.ptc-help {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
    padding: 0 34px 26px;
}

.ptc-help > div {
    padding: 17px;
    border: 1px solid var(--ptc-line);
    border-radius: 13px;
    background: #fff;
}

.ptc-help p { margin: 6px 0 0; color: var(--ptc-muted); }

.ptc-disclaimer {
    margin: 0 34px 34px;
    padding: 18px;
    border: 1px solid #e5d5ad;
    border-radius: 13px;
    background: #fffaf0;
}

.ptc-disclaimer p {
    margin: 7px 0 0;
    color: #5f5848;
}

@media (max-width: 700px) {
    .ptc-shell { border-radius: 14px; }
    .ptc-hero { padding: 24px 20px 20px; }
    .ptc-note { margin: 18px 20px 0; }
    .ptc-form { padding: 20px 20px 10px; }
    .ptc-grid,
    .ptc-metrics,
    .ptc-help { grid-template-columns: 1fr; }
    .ptc-actions { flex-direction: column; }
    .ptc-primary,
    .ptc-secondary { width: 100%; }
    .ptc-results { margin: 14px 20px 22px; padding: 19px; }
    .ptc-result-head { flex-direction: column; }
    .ptc-result-actions { width: 100%; }
    .ptc-result-actions .ptc-secondary { flex: 1 1 160px; width: auto; }
    .ptc-help { padding: 0 20px 22px; }
    .ptc-disclaimer { margin: 0 20px 24px; }
}

@media print {
    .ptc-actions,
    .ptc-result-actions { display: none !important; }
    .ptc-shell { border: 0; }
    .ptc-results { break-inside: avoid; }
}