.payoff-panel-title {
  font-size: 20px;
  margin: 0 0 4px;
}
.payoff-panel-sub {
  color: var(--text-secondary);
  font-size: 14px;
  margin: 0 0 20px;
}
.payoff-panel + .payoff-panel {
  margin-top: 48px;
  padding-top: 40px;
  border-top: 2px solid var(--border);
}

.radio-option {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 10px;
  font-size: 14px;
  font-weight: 600;
}
.radio-option input { width: 16px; height: 16px; flex-shrink: 0; }

.extra-fields-indent {
  margin: 4px 0 14px 24px;
  padding-left: 16px;
  border-left: 2px solid var(--border);
}

.headline-sub {
  font-size: 13px;
  color: var(--text-secondary);
  margin: 8px 0 20px;
  line-height: 1.5;
}

.savings-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
}
.savings-item {
  background: var(--accent-tint);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  text-align: center;
}
.savings-item .savings-label {
  font-size: 12px;
  font-weight: 700;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.02em;
  margin-bottom: 4px;
}
.savings-item .savings-value {
  font-size: 20px;
  font-weight: 700;
  color: var(--accent);
}

@media (max-width: 720px) {
  .savings-grid { grid-template-columns: 1fr; }
}