.calc-form {
      display: flex;
      flex-direction: column;
      gap: 24px;
    }

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

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

    .adorned-input {
      position: relative;
      display: flex;
      align-items: center;
    }

    .adorned-input .input-prefix {
      position: absolute;
      left: 16px;
      font-size: 1rem;
      font-weight: 600;
      color: var(--color-text-muted);
      pointer-events: none;
    }

    .adorned-input .input-suffix {
      position: absolute;
      right: 16px;
      font-size: 1rem;
      font-weight: 600;
      color: var(--color-text-muted);
      pointer-events: none;
    }

    .adorned-input input {
      padding: 14px 16px;
      border: 1px solid var(--color-border);
      border-radius: var(--radius-sm);
      font-family: var(--font-body);
      font-size: 1.1rem;
      font-weight: 600;
      color: var(--color-text);
      background: var(--color-surface);
      transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
      outline: none;
      width: 100%;
      -moz-appearance: textfield;
    }

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

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

    .adorned-input input::placeholder {
      color: var(--color-text-muted);
      font-weight: 400;
    }

    .adorned-input.has-prefix input { padding-left: 34px; }
    .adorned-input.has-suffix input { padding-right: 34px; }

    /* Big payoff display */
    .payoff-display {
      text-align: center;
      margin-top: 28px;
      padding: 28px 24px;
      border-top: 1px solid var(--color-border-light);
    }

    .payoff-display .payoff-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);
    }

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

    .payoff-display .payoff-value {
      font-size: 2.4rem;
      font-weight: 700;
      line-height: 1.1;
      color: var(--color-primary);
      font-family: var(--font-body);
    }

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

    .results-grid {
      display: grid;
      grid-template-columns: 1fr 1fr 1fr;
      gap: 12px;
      margin-top: 20px;
    }

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

    .result-card.warning {
      background: #fef2f2;
      border-color: #fecaca;
    }

    .result-card .result-card-label {
      font-size: 0.75rem;
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: 0.06em;
      color: var(--color-text-muted);
      margin-bottom: 6px;
    }

    .result-card .result-card-value {
      font-size: 1.3rem;
      font-weight: 700;
      color: var(--color-text);
      font-family: var(--font-mono);
    }

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

    .warning-msg {
      display: none;
      margin-top: 16px;
      padding: 12px 16px;
      background: #fef2f2;
      border: 1px solid #fecaca;
      border-radius: var(--radius-sm);
      color: #991b1b;
      font-size: 0.9rem;
      text-align: center;
    }

    .warning-msg.visible {
      display: block;
    }

    @media (max-width: 600px) {
      .results-grid { grid-template-columns: 1fr; }
      .payoff-display .payoff-value { font-size: 1.8rem; }
      .payoff-display .payoff-box { padding: 24px 36px; }
    }