.kalkulator {
  background: #fff;
  border-radius: 18px;
  padding: 24px;
  border: 1px solid #e6dfd3;
  box-shadow: 0 12px 32px rgba(15, 59, 59, 0.08);
}

.kalkulator-section {
  display: grid;
  gap: 16px;
}

.kalkulator-section__title {
  font-weight: 700;
  font-size: 18px;
  color: #0f3b3b;
  letter-spacing: 0.2px;
}

.kalkulator-rate-toggle {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
  padding: 10px 14px;
  border-radius: 14px;
  background: #f8f3ea;
  border: 1px solid #e6dfd3;
}

.kalkulator-rate-toggle label {
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 8px;
}

.kalkulator-bank-mode {
  margin-left: auto;
}

.kalkulator-rate-toggle input {
  width: auto;
}

.kalkulator-divider {
  height: 1px;
  background: #efe8de;
  margin: 24px 0;
}

.kalkulator-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.kalkulator label {
  font-weight: 600;
  display: block;
  margin-bottom: 6px;
}

.kalkulator input,
.kalkulator select {
  width: 100%;
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid #e6dfd3;
  font-size: 15px;
  background: #fff;
}

.kalkulator-results {
  margin-top: 24px;
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
}

.kalkulator-results strong {
  display: block;
  margin-bottom: 6px;
}

.kalkulator-sub {
  font-size: 13px;
  color: #5b6f6f;
  margin-top: 4px;
}

.kalkulator-ending {
  display: none;
}

.kalkulator-monthly,
.kalkulator-total-rate,
.kalkulator-interest,
.kalkulator-max-monthly,
.kalkulator-max-loan,
.kalkulator-max-property,
.kalkulator-ltv {
  font-size: 22px;
  font-weight: 700;
}

.kalkulator-results--capacity .kalkulator-max-loan {
  color: #0f3b3b;
}

@media (max-width: 700px) {
  .kalkulator { padding: 20px; }
}