.credit-planner{max-width:1040px;margin:0 auto 2rem;overflow:hidden;border:1px solid var(--color-border);border-radius:28px;background:var(--color-surface-raised);box-shadow:0 28px 80px rgba(0,0,0,.13)}
.credit-hero{padding:clamp(1.5rem,5vw,3.4rem);background:radial-gradient(circle at 88% 0,rgba(242,106,27,.22),transparent 32%),linear-gradient(145deg,#101116,#202129);color:#fff}
.credit-eyebrow{margin:0 0 .75rem;color:#ff9a58;font-size:.7rem;font-weight:820;letter-spacing:.14em;text-transform:uppercase}
.credit-hero h1{max-width:780px;margin:0;color:#fff;font-size:clamp(2.2rem,7vw,4.8rem);line-height:.94;letter-spacing:-.065em}
.credit-hero>p:last-child{max-width:720px;margin:1.2rem 0 0;color:rgba(255,255,255,.7);font-size:clamp(.9rem,2vw,1.05rem);line-height:1.65}
.credit-choice{display:grid;grid-template-columns:minmax(0,1fr) minmax(300px,.9fr);border-bottom:1px solid var(--color-border)}
.credit-form{padding:clamp(1.25rem,4vw,2rem);border-right:1px solid var(--color-border)}
.credit-form-head h2,.credit-facts h2,.credit-governance h2,.credit-tiers h2{margin:.2rem 0 .55rem;color:var(--color-text-strong);font-size:clamp(1.35rem,3vw,2rem);letter-spacing:-.035em}
.credit-form-head p,.credit-facts p,.credit-governance p,.credit-tiers p{color:var(--color-text-muted);font-size:.82rem;line-height:1.55}
.credit-workloads{display:grid;gap:.7rem;margin-top:1.25rem}
.credit-workload{display:grid;grid-template-columns:1fr minmax(120px,160px);gap:.8rem;align-items:center;padding:.9rem;border:1px solid var(--color-border);border-radius:16px;background:var(--color-canvas)}
.credit-workload span{display:grid;gap:.2rem}.credit-workload strong{color:var(--color-text-strong);font-size:.82rem}.credit-workload small{color:var(--color-text-muted);font-size:.68rem;line-height:1.4}
.credit-workload input{width:100%;min-height:48px;padding:.65rem .75rem;border:1px solid var(--color-border);border-radius:12px;background:var(--color-surface);color:var(--color-text-strong);font:inherit;font-size:1rem;font-weight:740}
.credit-workload input:focus{outline:none;border-color:var(--color-accent);box-shadow:var(--focus-ring)}
.credit-reset{min-height:44px;margin-top:1rem;padding:.65rem .9rem;border:1px solid var(--color-border);border-radius:12px;background:transparent;color:var(--color-text-muted);font:inherit;font-size:.75rem;font-weight:760;cursor:pointer}
.credit-output{padding:clamp(1.25rem,4vw,2rem);background:#15161b;color:#fff}
.credit-result{min-height:360px}.credit-empty{display:grid;place-items:center;min-height:320px;padding:1.4rem;border:1px dashed rgba(255,255,255,.18);border-radius:18px;color:rgba(255,255,255,.6);font-size:.82rem;line-height:1.6;text-align:center}.credit-error{color:#ffc1a1}
.credit-result-label{margin:0;color:#ff9a58;font-size:.68rem;font-weight:820;letter-spacing:.12em;text-transform:uppercase}.credit-result-total{display:block;margin:.45rem 0 1.1rem;color:#fff;font-size:clamp(2rem,5vw,3.2rem);line-height:1;letter-spacing:-.05em}.credit-result-total span{display:block;margin-top:.4rem;color:rgba(255,255,255,.52);font-size:.72rem;letter-spacing:0}
.credit-totals,.credit-comparison{display:grid;grid-template-columns:1fr 1fr;gap:.55rem;margin:0 0 .8rem}.credit-totals div,.credit-comparison div{padding:.75rem;border:1px solid rgba(255,255,255,.09);border-radius:13px;background:rgba(255,255,255,.045)}.credit-totals dt,.credit-comparison dt{color:rgba(255,255,255,.5);font-size:.65rem}.credit-totals dd,.credit-comparison dd{margin:.25rem 0 0;color:#fff;font-size:.95rem;font-weight:760}
.credit-decision{margin:.9rem 0;padding:.9rem;border-radius:14px;background:rgba(242,106,27,.13)}.credit-decision strong{color:#ff9a58;font-size:.83rem}.credit-decision p{margin:.35rem 0 0;color:rgba(255,255,255,.68);font-size:.72rem;line-height:1.5}
.credit-table-wrap{max-width:100%;margin-top:.9rem;overflow-x:auto}.credit-table-wrap table{width:100%;min-width:420px;border-collapse:collapse}.credit-table-wrap caption{padding:.35rem 0;color:rgba(255,255,255,.5);font-size:.67rem;text-align:left}.credit-table-wrap th,.credit-table-wrap td{padding:.55rem;border-top:1px solid rgba(255,255,255,.09);color:rgba(255,255,255,.68);font-size:.68rem;text-align:left}.credit-table-wrap th{color:#fff}.credit-result-note{margin:1rem 0 0;color:rgba(255,255,255,.48);font-size:.67rem;line-height:1.5}
.credit-facts,.credit-governance,.credit-tiers{padding:clamp(1.25rem,4vw,2.3rem);border-bottom:1px solid var(--color-border)}
.credit-fact-grid,.credit-control-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;margin-top:1rem}.credit-fact-grid article,.credit-control-grid article{padding:1rem;border:1px solid var(--color-border);border-radius:16px;background:var(--color-canvas)}.credit-fact-grid h3,.credit-control-grid h3{margin:0;color:var(--color-text-strong);font-size:.95rem}.credit-fact-grid p,.credit-control-grid p{margin:.4rem 0 0;font-size:.75rem}
.credit-tier-wrap{max-width:100%;margin-top:1rem;overflow-x:auto}.credit-tier-wrap table{width:100%;min-width:520px;border-collapse:collapse}.credit-tier-wrap th,.credit-tier-wrap td{padding:.72rem;border-bottom:1px solid var(--color-border);color:var(--color-text-muted);font-size:.76rem;text-align:left}.credit-tier-wrap th{color:var(--color-text-strong)}
.credit-sources{padding:clamp(1.25rem,4vw,2.3rem);background:var(--color-canvas)}.credit-sources details{border:1px solid var(--color-border);border-radius:16px;background:var(--color-surface)}.credit-sources summary{min-height:52px;padding:1rem;color:var(--color-text-strong);font-size:.8rem;font-weight:780;cursor:pointer}.credit-sources div{padding:0 1rem 1rem;color:var(--color-text-muted);font-size:.75rem;line-height:1.6}.credit-sources a{color:var(--color-accent-hover)}
@media(max-width:760px){.credit-choice{grid-template-columns:1fr}.credit-form{border-right:0;border-bottom:1px solid var(--color-border)}.credit-fact-grid,.credit-control-grid{grid-template-columns:1fr}}
@media(max-width:520px){.credit-planner{border-radius:20px}.credit-workload{grid-template-columns:1fr}.credit-totals,.credit-comparison{grid-template-columns:1fr}.credit-table-wrap table{min-width:0;table-layout:fixed}.credit-table-wrap th,.credit-table-wrap td{padding:.45rem;overflow-wrap:anywhere}}
@media(prefers-reduced-motion:reduce){.credit-planner *{scroll-behavior:auto}}