.calc-form {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 20px;
    }

    .calc-form .input-group {
      display: flex;
      flex-direction: column;
      gap: 6px;
    }

    .calc-form label {
      font-size: 0.8rem;
      font-weight: 600;
      color: var(--color-text-secondary);
      text-transform: uppercase;
      letter-spacing: 0.05em;
    }

    .calc-form label .optional-tag {
      font-weight: 500;
      text-transform: none;
      letter-spacing: 0;
      color: var(--color-text-muted);
      font-size: 0.75rem;
    }

    .input-with-prefix,
    .input-with-suffix {
      position: relative;
      display: flex;
      align-items: center;
    }

    .input-prefix,
    .input-suffix {
      position: absolute;
      font-size: 1rem;
      font-weight: 600;
      color: var(--color-text-muted);
      pointer-events: none;
      z-index: 1;
    }

    .input-prefix { left: 14px; }
    .input-suffix { right: 14px; }

    .calc-form input[type="number"],
    .calc-form input[type="text"] {
      width: 100%;
      padding: 12px 16px;
      border: 1px solid var(--color-border);
      border-radius: var(--radius-sm);
      font-family: var(--font-body);
      font-size: 1rem;
      color: var(--color-text);
      background: var(--color-surface);
      transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
      outline: none;
      -moz-appearance: textfield;
    }

    .calc-form .input-with-prefix input { padding-left: 30px; }
    .calc-form .input-with-suffix input { padding-right: 30px; }

    .calc-form input::-webkit-inner-spin-button,
    .calc-form input::-webkit-outer-spin-button {
      -webkit-appearance: none;
      margin: 0;
    }

    .calc-form input:focus {
      border-color: var(--color-primary);
      box-shadow: 0 0 0 3px var(--color-primary-light);
    }

    .calc-form input::placeholder {
      color: var(--color-text-muted);
    }

    .calc-form select {
      padding: 12px 16px;
      border: 1px solid var(--color-border);
      border-radius: var(--radius-sm);
      font-family: var(--font-body);
      font-size: 1rem;
      color: var(--color-text);
      background: var(--color-surface);
      outline: none;
      cursor: pointer;
    }

    .calc-form select:focus {
      border-color: var(--color-primary);
      box-shadow: 0 0 0 3px var(--color-primary-light);
    }

    /* Term presets */
    .term-presets {
      display: flex;
      gap: 8px;
      flex-wrap: wrap;
    }

    .term-btn {
      padding: 10px 18px;
      border: 2px solid var(--color-border);
      border-radius: var(--radius-sm);
      background: var(--color-surface);
      font-family: var(--font-body);
      font-size: 0.88rem;
      font-weight: 600;
      color: var(--color-text);
      cursor: pointer;
      transition: all var(--transition-fast);
    }

    .term-btn:hover {
      border-color: var(--color-primary);
      background: var(--color-primary-light);
    }

    .term-btn.active {
      border-color: var(--color-primary);
      background: var(--color-primary);
      color: #fff;
    }

    /* Payment display */
    .payment-display {
      text-align: center;
      margin-top: 28px;
      padding-top: 28px;
      border-top: 1px solid var(--color-border-light);
    }

    .payment-box {
      display: inline-flex;
      flex-direction: column;
      align-items: center;
      gap: 8px;
      padding: 28px 48px;
      border-radius: var(--radius-lg);
      background: var(--color-primary-light);
      border: 1px solid var(--color-primary-subtle);
    }

    .payment-box .payment-label {
      font-size: 0.75rem;
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: 0.08em;
      color: var(--color-primary);
      opacity: 0.85;
    }

    .payment-box .payment-value {
      font-size: 3rem;
      font-weight: 700;
      line-height: 1;
      color: var(--color-primary);
      letter-spacing: -0.03em;
    }

    .payment-box .payment-note {
      font-size: 0.88rem;
      color: var(--color-primary);
      opacity: 0.7;
    }

    .result-cards {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 12px;
      margin-top: 24px;
    }

    .result-card {
      padding: 16px;
      background: var(--color-bg);
      border: 1px solid var(--color-border-light);
      border-radius: var(--radius-sm);
      text-align: center;
    }

    .result-card .card-label {
      font-size: 0.7rem;
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: 0.05em;
      color: var(--color-text-muted);
      margin-bottom: 6px;
    }

    .result-card .card-value {
      font-size: 1.25rem;
      font-weight: 700;
      color: var(--color-text);
      font-family: var(--font-mono);
    }

    .result-card.interest .card-value { color: #dc2626; }

    @media (max-width: 768px) {
      .calc-form { grid-template-columns: 1fr; }
      .result-cards { grid-template-columns: 1fr 1fr; }
      .payment-box { padding: 24px 36px; }
      .payment-box .payment-value { font-size: 2.2rem; }
    }

    @media (max-width: 480px) {
      .result-cards { grid-template-columns: 1fr; }
    }