*{box-sizing:border-box}:root{--navy:#163A5F;--green:#2E7D4F;--heading:#162B45;--text:#222;--light-blue:#F3F7FB;--light-green:#F2F8F4;--light-gray:#F6F7F8;--border:#E2E6EA;--danger:#A32626}body{margin:0;background:#fff;color:var(--text);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.55}.bf-calculator{width:100%;max-width:760px;margin:0 auto;padding:8px 4px 24px}.bf-header{margin-bottom:20px}.bf-kicker{margin:0 0 4px;color:var(--green);font-size:14px;font-weight:700;text-transform:uppercase;letter-spacing:.03em}h1,h2,h3{color:var(--heading);line-height:1.2}h1{font-size:30px;margin:0 0 10px}h2{font-size:22px;margin:0 0 18px}h3{font-size:18px;margin:24px 0 12px}.bf-note{margin-top:16px;padding:13px 15px;background:var(--light-blue);border:1px solid var(--border);border-radius:8px;font-size:14px}.bf-panel,.bf-results{border:1px solid var(--border);border-radius:10px;padding:22px;background:#fff}.bf-grid,.bf-summary-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.bf-field{min-width:0}.bf-field label{display:block;margin:0 0 6px;font-weight:700;color:var(--heading)}.bf-optional{font-weight:400;color:#666}.bf-help{margin:5px 0 0;font-size:13px;color:#666}.bf-input-wrap,.bf-percent-wrap{min-height:48px;display:flex;align-items:center;border:1px solid #B8C4CF;border-radius:7px;background:#fff;overflow:hidden}.bf-input-wrap:focus-within,.bf-percent-wrap:focus-within{border-color:var(--navy);box-shadow:0 0 0 2px rgba(22,58,95,.12)}.bf-input-wrap span{padding-left:12px;font-weight:700}.bf-percent-wrap span{padding-right:12px;font-weight:700}.bf-input-wrap input,.bf-percent-wrap input{width:100%;min-width:0;border:0;outline:0;background:transparent;padding:11px 12px 11px 6px;font:inherit;font-size:16px}.bf-percent-wrap input{padding-left:12px}.bf-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}button{min-height:46px;border-radius:7px;padding:11px 20px;border:0;font:inherit;font-weight:700;cursor:pointer}.bf-primary{background:var(--green);color:#fff}.bf-secondary{background:var(--light-gray);color:var(--heading);border:1px solid var(--border)}.bf-error{margin:12px 0 0;color:var(--danger);font-weight:700}.bf-results{margin-top:22px;background:var(--light-blue)}.bf-hero-result{background:var(--light-green);border:2px solid var(--green);border-radius:10px;padding:18px;text-align:center}.bf-hero-result span{display:block;font-weight:700;color:var(--heading)}.bf-hero-result strong{display:block;margin:4px 0;font-size:34px;color:var(--green)}.bf-hero-result p{margin:4px 0 0;font-size:14px;color:#555}.bf-summary-grid{gap:12px;margin-top:16px}.bf-summary-card{background:#fff;border:1px solid var(--border);border-radius:8px;padding:15px}.bf-summary-card span{display:block;font-size:14px;color:#555}.bf-summary-card strong{display:block;margin-top:3px;font-size:22px;color:var(--heading)}.bf-savings{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:12px}.bf-savings div{background:var(--light-green);border:1px solid #BCD8C6;border-radius:8px;padding:15px}.bf-savings span{display:block;font-size:14px}.bf-savings strong{display:block;margin-top:3px;font-size:22px;color:var(--green)}.bf-explanation{margin-top:16px;padding:14px 16px;background:#fff;border-left:4px solid var(--navy)}.bf-table-wrap{overflow-x:auto;background:#fff;border:1px solid var(--border);border-radius:8px}table{width:100%;border-collapse:collapse;min-width:560px}th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--border)}th{background:var(--light-gray);color:var(--heading)}tr:last-child td{border-bottom:0}.bf-details{margin-top:16px;background:#fff;border:1px solid var(--border);border-radius:8px;padding:12px 14px}.bf-details summary{cursor:pointer;font-weight:700;color:var(--heading)}.bf-footer{font-size:13px;color:#666;margin-top:16px}@media(max-width:620px){.bf-panel,.bf-results{padding:17px}.bf-grid,.bf-summary-grid,.bf-savings{grid-template-columns:1fr}.bf-actions{flex-direction:column}button{width:100%}.bf-hero-result strong{font-size:29px}}