.svs-tool-hero {
  overflow: hidden;
  position: relative;
  background: var(--svs-navy-deep);
  color: var(--svs-white);
  padding: 3.5rem 2rem;
  text-align: center;
}

.svs-tool-eyebrow {
  display: block;
  margin-bottom: 0.75rem;
  color: var(--svs-gold);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.svs-tool-hero h1 {
  max-width: 680px;
  margin: 0 auto 0.75rem;
  color: var(--svs-white);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  line-height: 1.25;
}

.svs-tool-hero p {
  max-width: 540px;
  margin: 0 auto;
  color: rgba(255, 255, 255, 0.62);
}

.svs-calc-wrap {
  display: grid;
  width: min(960px, 100%);
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: start;
  gap: 2rem;
  margin: 0 auto;
  padding: 3rem 2rem;
}

.svs-input-panel,
.svs-result-card {
  border: 1px solid var(--svs-line);
  border-radius: 12px;
  background: var(--svs-white);
  padding: 1.75rem;
}

.svs-panel-title { margin-bottom: 1.25rem; color: var(--svs-navy); font-size: 1.1rem; }
.svs-input-group { margin-bottom: 1rem; }
.svs-input-label { display: block; margin-bottom: 0.35rem; font-size: 0.82rem; font-weight: 600; }
.svs-input-label span { color: var(--svs-gray); font-weight: 400; }

.svs-input-row {
  display: flex;
  overflow: hidden;
  align-items: stretch;
  border: 1px solid var(--svs-line);
  border-radius: 8px;
}

.svs-input-row:focus-within { border-color: var(--svs-gold); }
.svs-input-prefix { flex: 0 0 auto; border-right: 1px solid var(--svs-line); background: var(--svs-cream); color: var(--svs-gray); padding: 0.62rem 0.75rem; font-weight: 600; }
.svs-input-row input { width: 100%; min-width: 0; border: 0; outline: 0; background: transparent; padding: 0.62rem 0.75rem; color: var(--svs-ink); font: inherit; }

.svs-section-divider {
  margin: 1.25rem 0 0.75rem;
  border-top: 1px solid var(--svs-line);
  padding-top: 1.25rem;
  color: var(--svs-gold);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.svs-section-divider.is-first { margin-top: 0; border-top: 0; padding-top: 0; }
.svs-calc-btn,
.svs-reset-btn { width: 100%; border-radius: 9px; padding: 0.75rem; font: inherit; font-weight: 700; cursor: pointer; }
.svs-calc-btn { margin-top: 1.25rem; border: 0; background: var(--svs-navy); color: var(--svs-white); }
.svs-calc-btn:hover { background: var(--svs-gold); color: var(--svs-navy-deep); }
.svs-reset-btn { margin-top: 0.5rem; border: 1px solid var(--svs-line); background: transparent; color: var(--svs-gray); font-size: 0.85rem; }

.svs-result-panel { position: sticky; top: 84px; }
.svs-result-card { margin-bottom: 1.25rem; }
.svs-result-empty { padding: 3rem 1rem; color: var(--svs-gray); text-align: center; }
.svs-result-empty p { margin: 0; }
.svs-balance-display { margin-bottom: 1.25rem; border-bottom: 1px solid var(--svs-line); padding: 1.5rem 0; text-align: center; }
.svs-balance-label { color: var(--svs-gray); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; }
.svs-balance-amount { font-family: "Fraunces", serif; font-size: 2.8rem; font-weight: 600; }
.svs-balance-amount.is-positive { color: #166534; }
.svs-balance-amount.is-negative { color: #991b1b; }
.svs-balance-status { margin-top: 0.4rem; font-size: 0.85rem; }
.svs-balance-status.is-positive,
.svs-balance-status.is-negative { display: inline-block; border-radius: 20px; padding: 0.3rem 0.75rem; }
.svs-balance-status.is-positive { background: #f0fdf4; color: #166534; }
.svs-balance-status.is-negative { background: #fef2f2; color: #991b1b; }
.svs-breakdown-row { display: flex; justify-content: space-between; gap: 1rem; border-bottom: 1px solid var(--svs-line); padding: 0.5rem 0; font-size: 0.88rem; }
.svs-breakdown-label { color: var(--svs-gray); }
.svs-breakdown-value { font-weight: 600; text-align: right; }
.svs-breakdown-pct { margin-left: 0.35rem; color: var(--svs-gray); font-size: 0.75rem; }
.svs-bar-chart { margin: 1.25rem 0; }
.svs-bar-item { margin-bottom: 0.6rem; }
.svs-bar-label-row { display: flex; justify-content: space-between; gap: 1rem; margin-bottom: 0.2rem; font-size: 0.78rem; }
.svs-bar-label { color: var(--svs-gray); }
.svs-bar-value { font-weight: 600; }
.svs-bar-track { overflow: hidden; height: 8px; border-radius: 4px; background: var(--svs-cream); }
.svs-bar-fill { height: 100%; border-radius: inherit; transition: width 0.6s ease; }
.svs-insight-box { margin-top: 1rem; border: 1px solid var(--svs-line); border-radius: 10px; background: var(--svs-cream); padding: 1.1rem; }
.svs-insight-title { margin-bottom: 0.5rem; color: var(--svs-navy); font-size: 0.82rem; font-weight: 700; }
.svs-insight-text { color: var(--svs-gray); font-size: 0.85rem; }

.svs-tool-cta { border-radius: 12px; background: var(--svs-navy-deep); padding: 1.75rem; text-align: center; }
.svs-tool-cta h2 { margin-bottom: 0.6rem; color: var(--svs-white); font-size: 1.2rem; }
.svs-tool-cta p { color: rgba(255, 255, 255, 0.62); font-size: 0.875rem; }
.svs-tool-cta-btn { display: inline-block; border-radius: 10px; background: var(--svs-gold); color: var(--svs-navy-deep); padding: 0.75rem 1.5rem; font-weight: 700; text-decoration: none; }
.svs-tool-cta .svs-cta-note { margin: 0.75rem 0 0; color: var(--svs-gold); font-size: 0.8rem; }

.svs-tips-section { width: min(960px, 100%); margin: 0 auto; padding: 0 2rem 4rem; }
.svs-tips-section > h2 { margin-bottom: 1.25rem; color: var(--svs-navy); font-size: 1.4rem; }
.svs-tips-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.svs-tip-card { border: 1px solid var(--svs-line); border-radius: 12px; background: var(--svs-white); padding: 1.25rem; }
.svs-tip-card > span { display: block; margin-bottom: 0.5rem; font-size: 1.5rem; }
.svs-tip-card h3 { margin-bottom: 0.4rem; color: var(--svs-navy); font-family: "Inter", sans-serif; font-size: 0.92rem; }
.svs-tip-card p { margin: 0; color: var(--svs-gray); font-size: 0.82rem; }

@media (max-width: 768px) {
  .svs-calc-wrap { grid-template-columns: 1fr; }
  .svs-result-panel { position: static; }
  .svs-tips-grid { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .svs-tool-hero,
  .svs-calc-wrap,
  .svs-tips-section { padding-inline: 1.25rem; }
  .svs-input-panel,
  .svs-result-card { padding: 1.25rem; }
}