.ins-fees-calc {
  --fees-primary: #087d70;
  --fees-dark: #075f57;
  --fees-ink: #102c2c;
  --fees-muted: #607374;
  --fees-line: #d4e3df;
  --fees-soft: #eef7f4;
  --fees-positive: #087d70;
  --fees-negative: #a33b32;
  direction: rtl;
  color: var(--fees-ink);
  font-size: 16px;
}

.ins-fees-calc,
.ins-fees-calc * { box-sizing: border-box; }
.ins-fees-calc [hidden] { display: none !important; }

.ins-fees-header { margin-bottom: 24px; }
.ins-fees-eyebrow { display: inline-block; margin-bottom: 8px; color: var(--fees-primary); font-size: 14px; font-weight: 900; }
.ins-fees-header h2 { margin: 0 0 8px; font-size: clamp(30px, 4vw, 46px); line-height: 1.12; }
.ins-fees-header p { max-width: 720px; margin: 0; color: var(--fees-muted); font-size: 17px; line-height: 1.7; }

.ins-fees-grid { display: grid; grid-template-columns: minmax(0, 1.06fr) minmax(380px, .94fr); gap: 24px; align-items: start; }
.ins-fees-panel { padding: 26px; border: 1px solid var(--fees-line); border-radius: 18px; background: #fff; }
.ins-fees-results { position: sticky; top: 104px; background: #f8fbfa; }

.ins-fees-section-title { display: flex; align-items: flex-start; justify-content: space-between; gap: 24px; margin-bottom: 22px; padding-bottom: 17px; border-bottom: 1px solid var(--fees-line); }
.ins-fees-section-title div { display: grid; gap: 3px; }
.ins-fees-section-title div > span { color: var(--fees-primary); font-size: 12px; font-weight: 900; }
.ins-fees-section-title strong { font-size: 23px; line-height: 1.3; }
.ins-fees-section-title p { max-width: 255px; margin: 0; color: var(--fees-muted); font-size: 13px; line-height: 1.55; }
.ins-fees-section-title-secondary { margin-top: 30px; }

.ins-fees-field-grid,
.ins-fees-scenarios,
.ins-fees-advanced-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.ins-fees-field { display: grid; gap: 8px; margin-bottom: 18px; }
.ins-fees-field label { font-size: 15px; font-weight: 850; }
.ins-fees-field > small { color: var(--fees-muted); font-size: 12px; line-height: 1.55; }
.ins-fees-input { display: flex; align-items: center; min-height: 54px; padding-inline: 15px; border: 1px solid #bfd3ce; border-radius: 11px; background: #fff; transition: border-color .15s ease, box-shadow .15s ease; }
.ins-fees-input:hover { border-color: #8ebdb2; }
.ins-fees-input:focus-within { border-color: var(--fees-primary); box-shadow: 0 0 0 3px rgba(8, 125, 112, .11); }
.ins-fees-input input,
.ins-fees-input select { width: 100%; min-width: 0; min-height: 52px; padding: 0; border: 0; outline: 0; color: var(--fees-ink); background: transparent; font: inherit; font-size: 17px; font-weight: 800; }
.ins-fees-input span { flex: 0 0 auto; color: var(--fees-muted); font-weight: 800; }
.gemeltest-calculator-page .ins-fees-input:has(input[aria-invalid="true"]) { border-color: var(--fees-negative) !important; box-shadow: 0 0 0 3px rgba(163, 59, 50, .09) !important; }
.ins-fees-limit-note { display: block; color: var(--fees-muted); font-size: 12px; line-height: 1.6; }

.ins-fees-duration { display: grid; grid-template-columns: minmax(140px, .65fr) minmax(240px, 1.35fr); gap: 12px; }
.ins-fees-years { display: grid; grid-template-columns: repeat(4, 1fr); gap: 7px; }
.ins-fees-years button { min-height: 46px; border: 1px solid #c9dcd7; border-radius: 999px; color: #29413f; background: #f8fbfa; font: inherit; font-weight: 850; cursor: pointer; }
.ins-fees-years button:hover,
.ins-fees-years button:focus-visible { border-color: var(--fees-primary); color: var(--fees-dark); }
.ins-fees-years button.is-active { color: #fff; border-color: var(--fees-primary); background: var(--fees-primary); }

.ins-fees-scenario { min-width: 0; margin: 0; padding: 18px 18px 2px; border: 1px solid var(--fees-line); border-radius: 14px; background: #f8fbfa; }
.ins-fees-scenario.is-comparison { border-color: #acd2c8; background: var(--fees-soft); }
.ins-fees-scenario legend { padding: 0 4px; font-size: 16px; font-weight: 900; }
.ins-fees-scenario legend span { display: inline-grid; width: 28px; height: 28px; margin-left: 6px; place-items: center; border-radius: 50%; color: var(--fees-dark); background: #dcece7; font-size: 13px; }
.ins-fees-scenario.is-comparison legend span { color: #fff; background: var(--fees-primary); }

.ins-fees-advanced { margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--fees-line); }
.ins-fees-advanced summary { color: var(--fees-dark); font-weight: 900; cursor: pointer; }
.ins-fees-advanced-grid { margin-top: 18px; }
.ins-fees-advanced > p { margin: 0; color: var(--fees-muted); font-size: 12px; }
.ins-fees-error { margin: 18px 0 0; padding: 13px 15px; border-right: 4px solid var(--fees-negative); border-radius: 8px; color: #762c26; background: #fff1ef; font-weight: 700; line-height: 1.55; }

.ins-fees-portfolio { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 10px 18px; margin-bottom: 22px; padding: 16px; border: 1px solid #c6ded8; border-radius: 12px; background: #f3faf7; }
.ins-fees-portfolio strong { display: block; margin-bottom: 3px; }
.ins-fees-portfolio p { margin: 0; color: var(--fees-muted); font-size: 12px; line-height: 1.5; }
.ins-fees-portfolio button { min-height: 42px; padding: 0 16px; border: 1px solid var(--fees-primary); border-radius: 9px; color: #fff; background: var(--fees-primary); font: inherit; font-weight: 850; cursor: pointer; }
.ins-fees-portfolio small { grid-column: 1 / -1; color: var(--fees-dark); }

.ins-fees-main-result { padding: 28px; border-radius: 15px; color: #fff; background: linear-gradient(125deg, var(--fees-dark), #0b8b7c); }
.ins-fees-main-result[data-result-tone="negative"] { background: linear-gradient(125deg, #722c28, #a7473d); }
.ins-fees-main-result[data-result-tone="neutral"] { background: linear-gradient(125deg, #435858, #607374); }
.ins-fees-main-result > span { display: block; margin-bottom: 8px; font-size: 15px; font-weight: 750; }
.ins-fees-main-result > strong { display: block; font-size: clamp(38px, 4vw, 54px); line-height: 1.08; letter-spacing: -.035em; }
.ins-fees-main-result > small { display: block; margin-top: 11px; line-height: 1.55; opacity: .9; }

.ins-fees-bars { display: grid; gap: 18px; margin-top: 24px; }
.ins-fees-bar-row { display: grid; grid-template-columns: 1fr auto; align-items: end; gap: 8px; }
.ins-fees-bar-row > span { color: var(--fees-muted); font-size: 13px; }
.ins-fees-bar-row > strong { font-size: 19px; }
.ins-fees-bar-track { grid-column: 1 / -1; height: 9px; overflow: hidden; border-radius: 99px; background: #dfe9e6; }
.ins-fees-bar-track i { display: block; width: 0; height: 100%; border-radius: inherit; background: #718685; transition: width .3s ease; }
.ins-fees-bar-track i[data-bar="comparison"] { background: var(--fees-primary); }

.ins-fees-result-cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin-top: 22px; }
.ins-fees-result-cards > div { min-height: 104px; padding: 16px; border: 1px solid #dce8e5; border-radius: 12px; background: #fff; }
.ins-fees-result-cards span { display: block; margin-bottom: 6px; color: var(--fees-muted); font-size: 12px; line-height: 1.4; }
.ins-fees-result-cards strong { font-size: 19px; }
.ins-fees-result-note { margin: 15px 0 0; color: var(--fees-muted); font-size: 12px; line-height: 1.6; }
.ins-fees-insight { margin-top: 16px; padding: 17px 18px; border: 1px solid #cfe1dc; border-right: 4px solid var(--fees-primary); border-radius: 12px; background: var(--fees-soft); }
.ins-fees-insight strong { display: block; margin-bottom: 4px; color: var(--fees-dark); }
.ins-fees-insight p { margin: 0; color: #38514f; line-height: 1.65; }
.ins-fees-results-empty { padding: 35px 20px; text-align: center; }
.ins-fees-results-empty strong { display: block; font-size: 21px; }
.ins-fees-results-empty p { margin: 8px 0 0; color: var(--fees-muted); }

.ins-fees-disclaimer { margin: 18px 0 0; padding: 14px 17px; border-right: 3px solid #b8d5cd; border-radius: 8px; color: var(--fees-muted); background: #f7faf9; font-size: 12px; line-height: 1.75; }
.ins-fees-calc .ins-calc__consent { display: flex; align-items: flex-start; gap: 8px; }
.ins-fees-calc .ins-calc__consent input { width: auto !important; min-height: 0 !important; margin-top: 3px; }
.ins-fees-calc .ins-calc__lead-form button:disabled { opacity: .5; cursor: not-allowed; }

.fees-usage { padding: 62px 0; border-top: 1px solid #e2ece9; background: #fff; }
.fees-usage-heading { max-width: 760px; }
.fees-usage-heading h2,
.fees-next-step h2 { margin: 4px 0 10px; font-size: clamp(29px, 3vw, 40px); line-height: 1.2; }
.fees-usage-heading > p:last-child,
.fees-next-step p { margin: 0; color: var(--fees-muted); font-size: 16px; line-height: 1.75; }
.fees-usage-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 28px 0 0; padding: 0; list-style: none; }
.fees-usage-steps li { display: flex; gap: 13px; padding: 22px; border: 1px solid var(--fees-line); border-radius: 14px; background: #f8fbfa; }
.fees-usage-steps li > span { display: grid; flex: 0 0 32px; width: 32px; height: 32px; place-items: center; border-radius: 50%; color: #fff; background: var(--fees-primary); font-weight: 900; }
.fees-usage-steps strong { font-size: 17px; }
.fees-usage-steps p { margin: 7px 0 0; color: var(--fees-muted); font-size: 14px; line-height: 1.65; }
.fees-next-step { padding: 58px 0; background: #fff; }
.fees-next-step > .shell { display: grid; grid-template-columns: 1.15fr .85fr; align-items: center; gap: 55px; padding: 32px 36px; border: 1px solid #c9e0d9; border-radius: 18px; background: linear-gradient(105deg, #f2faf7, #fff); }
.fees-next-links { display: grid; gap: 8px; }
.fees-next-links a { display: flex; align-items: center; justify-content: space-between; min-height: 48px; padding: 0 15px; border: 1px solid #c7ddd7; border-radius: 10px; color: var(--fees-dark); background: #fff; font-size: 14px; font-weight: 850; }
.fees-next-links a::after { content: "←"; color: var(--fees-primary); }

.gemeltest-calculator-page .ins-fees-main-result[data-result-tone="positive"] { background: linear-gradient(125deg, var(--fees-dark), #0b8b7c) !important; }
.gemeltest-calculator-page .ins-fees-main-result[data-result-tone="negative"] { background: linear-gradient(125deg, #722c28, #a7473d) !important; }
.gemeltest-calculator-page .ins-fees-main-result[data-result-tone="neutral"] { background: linear-gradient(125deg, #435858, #607374) !important; }

@media (max-width: 900px) {
  .ins-fees-grid { grid-template-columns: 1fr; }
  .ins-fees-results { position: static; }
  .fees-usage-steps { grid-template-columns: 1fr; }
  .fees-next-step > .shell { grid-template-columns: 1fr; gap: 24px; }
}

@media (max-width: 620px) {
  .ins-fees-panel { padding: 18px; }
  .ins-fees-section-title { display: block; }
  .ins-fees-section-title p { max-width: none; margin-top: 7px; }
  .ins-fees-field-grid,
  .ins-fees-scenarios,
  .ins-fees-advanced-grid { grid-template-columns: 1fr; }
  .ins-fees-duration { grid-template-columns: 1fr; }
  .ins-fees-years { grid-template-columns: repeat(4, 1fr); }
  .ins-fees-portfolio { grid-template-columns: 1fr; }
  .ins-fees-portfolio button { width: 100%; }
  .ins-fees-result-cards { grid-template-columns: 1fr 1fr; }
  .fees-usage,
  .fees-next-step { padding: 44px 0; }
  .fees-usage-steps li { padding: 18px; }
  .fees-next-step > .shell { padding: 24px 20px; }
}

@media (max-width: 390px) {
  .ins-fees-result-cards { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  .ins-fees-calc * { transition: none !important; }
}