* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

body {
    font-family: 'Lato', helvetica, sans-serif;
    background-color: #fff;
    padding: 20px;
}

.calculator-container {
    max-width: 760px;
    margin: 0 auto;
    padding: 20px;
    background-color: #fff;
    border-radius: 8px;
    box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1);
}

h1 {
    text-align: center;
    color: #e97732;
}

h2 {
    color: #4c4c4c;
    margin-top: 20px;
    margin-bottom: 10px;
    font-size: 1.2em;
}

.form-group {
    margin-bottom: 15px;
}

label {
    display: block;
    font-size: 0.9em;
    color: #4c4c4c;
    margin-bottom: 5px;
}

input[type="number"], input[type="text"], select {
    width: 100%;
    padding: 10px;
    font-size: 1em;
    border: 1px solid #ccc;
    border-radius: 4px;
}

.form-row {
    display: flex;
    justify-content: space-between;
    gap: 10px;
}

.form-row .form-group {
    flex: 1;
}

.loan-term-group, .total-payment-group {
    width: 50%;
}

.result-container {
    margin-top: 20px;
    font-size: 1.2rem;
    color: #4c4c4c;
}

.result-container .result-subhead {
   font-size: 14px;
   color: #7e7f81;
}

.result-container .dscr-result {
    margin-top: 0;
    font-weight: 900;
    color: #e97732;
    font-size: 1.35rem!important;
}

.btn-ds {
  box-sizing: border-box;
  appearance: none;
  background-color: transparent;
  border: 2px solid #336699;
  border-radius: 0.6rem;
  color: #336699;
  cursor: pointer;
  display: flex;
  align-self: center;
  font-size: .94rem;
  font-weight: 400;
  line-height: 1;
  margin: 20px;
  padding: 0.6rem 1.5rem;
  text-decoration: none;
  text-align: center;
  text-transform: uppercase;
  font-family: "Montserrat", sans-serif;
  font-weight: 700;
}
.btn-ds:hover, .btn-ds:focus {
  color: #fff;
  outline: 0;
  background-color: #336699;
}

.first {
  transition: box-shadow 300ms ease-in-out, color 300ms ease-in-out;
}
.first:hover {
  box-shadow: 0 0 40px 40px red inset;
}

@media screen and (max-width: 768px) {
    .form-row {
        flex-direction: column;
    }

    .loan-term-group, .total-payment-group {
        width: 100%;
    }
}