.hbe-calculators {
  --hbe-border: #dedede;
  --hbe-bg: #f7f5f1;
  --hbe-card: #fff;
  --hbe-text: #242424;
  --hbe-muted: #666;
  --hbe-accent: #9a5b16;
  max-width: 1050px;
  margin: 30px auto;
  color: var(--hbe-text);
  font-size: 16px;
  line-height: 1.55;
}
.hbe-calc-intro { text-align:center; margin-bottom:25px; }
.hbe-calc-intro h2 { font-size:34px; margin:0 0 8px; }
.hbe-tabs {
  display:flex; flex-wrap:wrap; gap:8px; margin-bottom:20px;
  border-bottom:1px solid var(--hbe-border); padding-bottom:12px;
}
.hbe-tab {
  appearance:none; border:1px solid var(--hbe-border); background:#fff;
  padding:10px 14px; border-radius:7px; cursor:pointer; font-weight:700;
}
.hbe-tab.active { background:var(--hbe-accent); color:#fff; border-color:var(--hbe-accent); }
.hbe-panel {
  display:none; background:var(--hbe-card); border:1px solid var(--hbe-border);
  border-radius:12px; padding:25px; box-sizing:border-box;
}
.hbe-panel.active { display:block; }
.hbe-panel h3 { font-size:26px; margin:0 0 7px; }
.hbe-grid {
  display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:18px; margin:22px 0;
}
.hbe-grid label { display:block; font-weight:700; }
.hbe-grid input, .hbe-grid select {
  width:100%; margin-top:7px; padding:12px; box-sizing:border-box;
  border:1px solid #cfcfcf; border-radius:6px; font-size:17px; background:#fff;
}
.hbe-btn {
  display:inline-block; border:0; border-radius:7px; padding:13px 20px;
  background:var(--hbe-accent); color:#fff; font-weight:800; cursor:pointer;
}
.hbe-result {
  margin-top:18px; padding:18px; border-radius:8px; background:var(--hbe-bg);
  text-align:center; font-size:21px; min-height:28px;
}
.hbe-note, .hbe-warning, .hbe-example { margin-top:16px; font-size:14px; color:var(--hbe-muted); }
.hbe-warning { color:#8a3f00; }
.hbe-footer-note { margin-top:22px; padding:15px; font-size:14px; color:var(--hbe-muted); }
@media (max-width: 700px) {
  .hbe-calculators { margin:20px auto; }
  .hbe-calc-intro h2 { font-size:27px; }
  .hbe-panel { padding:18px; }
  .hbe-grid { grid-template-columns:1fr; }
  .hbe-tab { flex:1 1 auto; }
}