.heroPens{background:linear-gradient(155deg,var(--deep) 0%,#0a1f3a 100%);padding:44px 32px 40px;border-bottom:3px solid var(--gold);position:relative;overflow:hidden}
.heroPens::before{content:'';position:absolute;inset:0;pointer-events:none;background:repeating-linear-gradient(135deg,transparent,transparent 49px,rgba(255,255,255,.01) 50px)}
.heroPens-inner{max-width:1100px;margin:0 auto;position:relative;display:flex;gap:40px;align-items:flex-start}
.heroPens-eyebrow{font-family:var(--mono);font-size:.62rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:12px}
.heroPens-hed{font-family:var(--serif);font-size:clamp(1.5rem,3.5vw,2.3rem);font-weight:400;font-style:italic;color:#fff;line-height:1.2;margin-bottom:12px}
.heroPens-hed strong{font-style:normal;font-weight:700;color:var(--gold-lt)}
.heroPens-sub{font-size:.9rem;color:rgba(255,255,255,.75);line-height:1.75;max-width:540px;font-weight:500}
.heroPens-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.1);flex-shrink:0;width:240px}
.heroPens-kpi{padding:14px 12px;background:rgba(0,0,0,.3)}
.hpk-lbl{font-family:var(--mono);font-size:.55rem;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.45);margin-bottom:5px;font-weight:500}
.hpk-val{font-family:var(--mono);font-size:1.2rem;font-weight:700;color:#fff;line-height:1}
.hpk-sub{font-family:var(--mono);font-size:.55rem;color:rgba(255,255,255,.35);margin-top:3px}

.calcPens-layout{max-width:1100px;margin:0 auto;padding:28px 32px 80px;display:grid;grid-template-columns:minmax(320px,380px) 1fr;gap:24px;align-items:start}
.formPens-wrap{position:sticky;top:24px;display:flex;flex-direction:column;gap:12px}

.btn-calcPens{width:100%;padding:16px;background:#0a1f3a;color:#fff;border:none;font-family:var(--sans);font-size:.85rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;cursor:pointer;transition:background .15s;display:flex;align-items:center;justify-content:center;gap:10px;border-top:3px solid var(--gold)}
.btn-calcPens:hover{background:var(--forest)}

.pensKpis{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--rule);border:1px solid var(--rule);margin-bottom:2px}
.pensKpi{background:var(--white);padding:14px 16px}
.pensKpi.accent{border-top:3px solid var(--gold)}
.pensKpi.forest{border-top:3px solid var(--forest)}
.pensKpi.navy{border-top:3px solid #0a1f3a}
.pensKpi-lbl{font-family:var(--mono);font-size:.55rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-light);margin-bottom:5px;font-weight:500}
.pensKpi-val{font-family:var(--mono);font-size:1.2rem;font-weight:700;color:var(--ink);line-height:1}
.pensKpi.accent .pensKpi-val{color:var(--amber);font-size:1.5rem}
.pensKpi.forest .pensKpi-val{color:var(--forest)}
.pensKpi.navy   .pensKpi-val{color:#0a1f3a}

.pens-conf-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--rule);border:1px solid var(--rule);margin-bottom:2px}
.pens-conf-item{padding:14px 12px;text-align:center;background:var(--white)}
.pens-conf-eta{font-family:var(--mono);font-size:.62rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-light);margin-bottom:6px;font-weight:600}
.pens-conf-val{font-family:var(--mono);font-size:1.05rem;font-weight:700;color:var(--ink);line-height:1;margin-bottom:4px}
.pens-conf-val span{font-size:.65rem;color:var(--ink-light);font-weight:400}
.pens-conf-ann{font-family:var(--mono);font-size:.62rem;color:var(--ink-light)}

.disclaimerPens{padding:14px 18px;background:var(--amber-dim);border-left:4px solid var(--gold);font-size:.82rem;color:var(--ink-mid);line-height:1.7;font-weight:500;margin-bottom:2px}

@media(max-width:1024px){.calcPens-layout{grid-template-columns:1fr;padding:20px 16px 60px}.formPens-wrap{position:static}.heroPens-kpis{display:none}.pensKpis{grid-template-columns:1fr 1fr}.pens-conf-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.heroPens{padding:28px 16px}.pensKpis{grid-template-columns:1fr 1fr}}