:root{
  --navy:#0b2545;
  --blue:#1b6ec2;
  --blue-dark:#155a9c;
  --accent:#12b886;
  --accent-dark:#0ca678;
  --ink:#12233b;
  --muted:#5a6b80;
  --bg:#ffffff;
  --bg-soft:#f4f7fb;
  --line:#e2e8f0;
  --radius:14px;
  --shadow:0 10px 30px rgba(11,37,69,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:1rem;padding:15px 30px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:.18s ease;text-align:center}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-dark);border-color:var(--accent-dark);transform:translateY(-1px)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn-ghost-light:hover{background:#fff;color:var(--navy);border-color:#fff}

/* Top bar */
.topbar{background:var(--navy);color:#fff;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding:8px 22px;flex-wrap:wrap;gap:6px}
.topbar a{font-weight:700}
.topbar .tag{opacity:.85}

/* Header */
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:12px 22px;gap:18px}
.brand{display:flex;align-items:center;gap:11px;flex:0 0 auto}
.brand img{height:42px;width:auto}
.brand-logo{height:52px !important;width:auto}
.brand-lockup{display:flex;flex-direction:column;line-height:1.02}
.brand-name{font-weight:800;font-size:1.35rem;color:var(--blue);letter-spacing:-.4px}
.brand-sub{font-size:.64rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-top:3px}
.brand .fallback{font-weight:800;font-size:1.3rem;color:var(--navy);letter-spacing:-.5px}
@media(max-width:420px){.brand-name{font-size:1.15rem}.brand img{height:36px}.brand-logo{height:40px !important}}
.mainnav{display:flex;align-items:center;gap:26px;margin-left:auto}
.mainnav a.link{font-weight:600;font-size:.96rem;color:var(--ink);padding:6px 0;border-bottom:2px solid transparent}
.mainnav a.link:hover{color:var(--blue)}
.mainnav a.link.active{color:var(--navy);border-bottom-color:var(--accent)}
.nav-cta{display:flex;align-items:center;gap:14px;flex:0 0 auto}
.nav-cta .btn{padding:10px 20px;font-size:.92rem}
.phone-lg{font-weight:800;color:var(--navy);font-size:1rem;white-space:nowrap}
.menu-toggle{display:none;background:none;border:0;cursor:pointer;padding:6px}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;border-radius:2px}
@media(max-width:1000px){
  .mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;gap:0;padding:8px 22px 16px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .mainnav.open{display:flex}
  .mainnav a.link{width:100%;padding:12px 0;border-bottom:1px solid var(--line)}
  .menu-toggle{display:block;margin-left:auto}
  .phone-lg{display:none}
}

/* Hero */
.hero{position:relative;color:#fff;overflow:hidden;background:linear-gradient(120deg,#0b2545 0%,#123a68 45%,#1b6ec2 100%)}
.hero .bg{position:absolute;inset:0;background-size:cover;background-position:center;z-index:0}
.hero .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(9,26,49,.92) 0%,rgba(11,37,69,.82) 42%,rgba(11,37,69,.35) 78%,rgba(11,37,69,.15) 100%)}
.hero .wrap{position:relative;z-index:1;padding:76px 22px 84px;max-width:1140px}
.hero-inner{max-width:620px}
/* Small uppercase label above the headline — plain text, not a button */
.hero-kicker{display:inline-flex;align-items:center;gap:10px;color:#6fe0bb;font-weight:800;letter-spacing:.16em;text-transform:uppercase;font-size:.82rem;margin-bottom:16px}
.hero-kicker::before{content:"";width:26px;height:2px;background:#6fe0bb;display:inline-block}
/* Rate callout — informational flag with a left accent bar, clearly not clickable */
.rate-flag{display:inline-flex;align-items:baseline;gap:12px;margin-bottom:8px;padding:10px 20px 10px 16px;border-left:4px solid var(--accent);background:rgba(255,255,255,.06)}
.rate-flag .num{font-size:1.9rem;font-weight:800;color:#fff;line-height:1;white-space:nowrap}
.rate-flag .txt{font-size:.82rem;line-height:1.3;opacity:.9;font-weight:600}
/* Quick-scan hooks under the hero CTAs (info, not buttons) */
.hero-hooks{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:22px}
.hero-hooks .hook{display:inline-flex;align-items:center;gap:9px;font-size:.94rem;font-weight:600;color:#fff;opacity:.96}
.hero-hooks .hook svg{flex:0 0 auto}
.hero-hooks a.hook{opacity:1}
.hero-hooks a.hook .arw{opacity:.7;transition:.15s}
.hero-hooks a.hook:hover .arw{transform:translateX(3px);opacity:1}
.hero-hooks a.hook u{text-decoration:none;border-bottom:1px solid rgba(255,255,255,.5)}
.hero h1{font-size:3rem;line-height:1.07;letter-spacing:-1px;margin-bottom:16px}
.hero p.lede{font-size:1.18rem;opacity:.94;margin-bottom:28px;max-width:540px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero-note{margin-top:18px;font-size:.82rem;opacity:.8;max-width:500px}
@media(max-width:860px){
  .hero .wrap{padding:52px 22px 60px}
  .hero h1{font-size:2.2rem}
  .hero .bg::after{background:linear-gradient(180deg,rgba(9,26,49,.9),rgba(11,37,69,.8))}
}

/* Page hero (interior pages) */
.page-hero{position:relative;overflow:hidden;background:linear-gradient(160deg,#0b2545,#123a68 70%,#1b6ec2 140%);color:#fff}
.page-hero .bg{position:absolute;inset:0;background-size:cover;background-position:center;z-index:0}
.page-hero .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(9,26,49,.94) 0%,rgba(11,37,69,.82) 52%,rgba(11,37,69,.5) 100%)}
.page-hero .wrap{position:relative;z-index:1;padding:44px 22px}
.page-hero:has(.bg) .wrap{padding:74px 22px}
.page-hero .crumb{font-size:.85rem;opacity:.75;margin-bottom:12px}
.page-hero h1{font-size:2.5rem;letter-spacing:-.8px;max-width:760px;margin-bottom:12px}
.page-hero p{font-size:1.12rem;opacity:.92;max-width:640px}
/* Interior hero with a side illustration */
.page-hero.has-art .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center}
.page-hero.has-art h1,.page-hero.has-art p{max-width:none}
.page-hero-art{display:flex;justify-content:center}
.page-hero-art svg{width:100%;max-width:400px;height:auto;filter:drop-shadow(0 20px 45px rgba(0,0,0,.30))}
@media(max-width:820px){.page-hero.has-art .wrap{grid-template-columns:1fr;gap:26px}.page-hero-art{order:-1;max-width:320px;margin:0 auto}}
@media(max-width:860px){.page-hero h1{font-size:1.9rem}}

/* Stat strip */
.stats{background:var(--bg-soft);border-bottom:1px solid var(--line)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:34px 22px;text-align:center}
.stat .num{font-size:1.9rem;font-weight:800;color:var(--navy);line-height:1}
.stat .num.accent{color:var(--accent-dark)}
.stat .lbl{font-size:.9rem;color:var(--muted);margin-top:6px;font-weight:600}
@media(max-width:720px){.stats .wrap{grid-template-columns:repeat(2,1fr);gap:26px}}

/* Section */
section{padding:70px 0}
.section-head{text-align:center;max-width:700px;margin:0 auto 46px}
.section-head .kicker{color:var(--blue);font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:.82rem;margin-bottom:10px}
.section-head h2{font-size:2.1rem;letter-spacing:-.6px;color:var(--navy);margin-bottom:12px}
.section-head p{color:var(--muted);font-size:1.08rem}
.prose{max-width:820px;margin:0 auto}
.prose h2{color:var(--navy);font-size:1.7rem;letter-spacing:-.4px;margin:34px 0 12px}
.prose h3{color:var(--navy);font-size:1.25rem;margin:26px 0 8px}
.prose p{color:var(--muted);margin-bottom:14px;font-size:1.05rem}
.prose ul{color:var(--muted);margin:0 0 16px 20px;font-size:1.05rem}
.prose li{margin-bottom:8px}

/* Feature cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.18s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.card .ico{width:52px;height:52px;border-radius:12px;background:rgba(27,110,194,.10);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card h3{font-size:1.18rem;color:var(--navy);margin-bottom:8px}
.card p{color:var(--muted);font-size:.97rem}
@media(max-width:820px){.grid-3{grid-template-columns:1fr}}

/* Split highlight */
.split{background:var(--bg-soft)}
.split .wrap{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.split img{border-radius:18px;box-shadow:var(--shadow)}
.split .fallimg{border-radius:18px;box-shadow:var(--shadow);background:linear-gradient(135deg,#123a68,#1b6ec2);min-height:320px;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.85);font-weight:700;text-align:center;padding:24px}
.split h2{font-size:2rem;color:var(--navy);letter-spacing:-.5px;margin-bottom:18px}
.check-list{list-style:none;display:grid;gap:16px;margin-bottom:26px}
.check-list li{display:flex;gap:12px;align-items:flex-start;font-size:1.05rem;font-weight:600;color:var(--ink)}
.check-list li svg{flex:0 0 auto;margin-top:3px}
@media(max-width:820px){.split .wrap{grid-template-columns:1fr;gap:30px}.split .media{order:-1}}
/* Two-column info panels */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.two-col .panel{background:var(--bg-soft);border:1px solid var(--line);border-radius:16px;padding:28px 30px}
.two-col .panel h3{color:var(--navy);font-size:1.2rem;margin-bottom:16px}
.two-col .panel p{color:var(--muted);margin-bottom:12px;font-size:1.02rem}
.two-col .panel p:last-child{margin-bottom:0}
.two-col .check-list{margin-bottom:0;gap:14px}
.two-col .check-list li{font-size:1rem}
@media(max-width:760px){.two-col{grid-template-columns:1fr;gap:18px}}
/* Compare card (qualify comparison) */
.compare-card{background:linear-gradient(150deg,var(--navy),var(--blue));color:#fff;border-radius:18px;padding:30px;box-shadow:var(--shadow);width:100%}
.compare-card .cc-title{font-size:.78rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:#6fe0bb;margin-bottom:20px}
.cc-opt{display:flex;gap:14px;align-items:center;padding:16px;border-radius:12px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);margin-bottom:12px}
.cc-opt.hi{background:rgba(18,184,134,.16);border-color:rgba(18,184,134,.55)}
.cc-badge{width:32px;height:32px;flex:0 0 auto;border-radius:50%;display:flex;align-items:center;justify-content:center}
.cc-badge.x{background:rgba(255,255,255,.14);color:#c3d0e0;font-size:1.2rem;line-height:1}
.cc-badge.ok{background:#12b886}
.cc-name{font-weight:700;font-size:1.03rem}
.cc-desc{font-size:.88rem;opacity:.82;margin-top:2px}
.cc-foot{font-size:.88rem;opacity:.92;margin-top:8px;line-height:1.55}
.cc-foot strong{color:#7fe0c0;font-weight:700}
/* Timeline / "what to expect" card */
.timeline-card{background:linear-gradient(150deg,var(--navy),var(--blue));color:#fff;border-radius:18px;padding:30px 32px;box-shadow:var(--shadow);width:100%}
.timeline-card .tl-title{font-size:.78rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:#6fe0bb;margin-bottom:24px}
.tl{list-style:none;position:relative;margin:0;padding:0}
.tl::before{content:"";position:absolute;left:12px;top:8px;bottom:26px;width:2px;background:rgba(255,255,255,.22)}
.tl li{position:relative;display:flex;gap:16px;padding-bottom:24px}
.tl li:last-child{padding-bottom:0}
.tl-dot{position:relative;z-index:1;width:26px;height:26px;flex:0 0 auto;border-radius:50%;background:#0b2545;border:2px solid rgba(255,255,255,.45);display:flex;align-items:center;justify-content:center}
.tl-dot span{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.55)}
.tl li.done .tl-dot{background:#12b886;border-color:#12b886}
.tl li.done .tl-dot span{display:none}
.tl-name{font-weight:700;font-size:1.03rem}
.tl-meta{font-size:.85rem;opacity:.82;margin-top:3px}
/* FAQ two-column layout */
.faq-layout{display:grid;grid-template-columns:.82fr 1.18fr;gap:46px;align-items:start}
.faq-aside{position:sticky;top:96px}
.faq-aside .kicker{display:block;color:var(--blue);font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:.82rem;margin-bottom:10px}
.faq-aside h2{color:var(--navy);font-size:1.9rem;letter-spacing:-.4px;margin-bottom:12px}
.faq-aside p{color:var(--muted);font-size:1.05rem;margin-bottom:24px}
.faq-help{background:linear-gradient(150deg,var(--navy),var(--blue));color:#fff;border-radius:18px;padding:26px 28px;box-shadow:var(--shadow)}
.faq-help .fh-icon{width:50px;height:50px;border-radius:13px;background:rgba(255,255,255,.14);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.faq-help .fh-title{font-size:1.25rem;font-weight:800;margin-bottom:6px}
.faq-help .fh-text{font-size:.96rem;opacity:.9;margin-bottom:20px;line-height:1.5}
.faq-help .btn{width:100%;margin-bottom:10px}
.faq-help .btn:last-child{margin-bottom:0}
@media(max-width:860px){.faq-layout{grid-template-columns:1fr;gap:28px}.faq-aside{position:static}}

/* Personalized rate band */
.rateband{background:#fff}
.rateband .box{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:22px;padding:52px 44px;display:grid;grid-template-columns:1.3fr .7fr;gap:36px;align-items:center;box-shadow:var(--shadow)}
.rateband h2{font-size:2rem;letter-spacing:-.5px;margin-bottom:12px}
.rateband p{opacity:.92;font-size:1.08rem;margin-bottom:8px}
.rateband .factors{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.rateband .factors span{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);padding:7px 14px;border-radius:999px;font-size:.85rem;font-weight:600}
.rateband .action{text-align:center}
.rateband .action .btn{width:100%}
.rateband .action small{display:block;margin-top:12px;font-size:.78rem;opacity:.8}
@media(max-width:820px){.rateband .box{grid-template-columns:1fr;padding:36px 26px}}

/* Steps */
.steps .grid-3{counter-reset:step}
.step .n{width:44px;height:44px;border-radius:999px;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px;font-size:1.1rem}
.step h3{color:var(--navy);font-size:1.15rem;margin-bottom:6px}
.step p{color:var(--muted)}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;text-align:center}
.cta-band .wrap{padding:60px 22px}
.cta-band h2{font-size:2.1rem;letter-spacing:-.5px;margin-bottom:12px}
.cta-band p{opacity:.9;font-size:1.1rem;margin-bottom:26px}
.cta-band .hero-ctas{justify-content:center}

/* FAQ */
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:14px;overflow:hidden;background:#fff}
.faq-item summary{cursor:pointer;padding:20px 24px;font-weight:700;color:var(--navy);font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary .plus{flex:0 0 auto;font-size:1.5rem;color:var(--blue);transition:.2s}
.faq-item[open] summary .plus{transform:rotate(45deg)}
.faq-item .body{padding:0 24px 22px;color:var(--muted);font-size:1rem}

/* Footer */
footer.site{background:var(--navy);color:#cdd8e6;font-size:.92rem}
footer.site .wrap{padding:52px 22px 30px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px;margin-bottom:34px}
footer.site h4{color:#fff;font-size:1rem;margin-bottom:14px;letter-spacing:.02em}
footer.site a{display:block;color:#cdd8e6;margin-bottom:9px;transition:.15s}
footer.site a:hover{color:#fff}
.foot-brand-name{font-weight:800;font-size:1.4rem;color:#fff;letter-spacing:-.4px;margin-bottom:14px}
.foot-logo-box{display:inline-block;background:#fff;padding:14px 18px;border-radius:8px;margin-bottom:16px}
.foot-logo-box img{display:block;height:46px;width:auto}
.foot-brand-name span{display:block;font-size:.64rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#8ea6c4;margin-top:3px}
.foot-brand p{max-width:320px;line-height:1.6}
.socials{display:flex;gap:12px;margin-top:16px}
.socials a{width:34px;height:34px;border-radius:8px;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;margin:0}
.socials a:hover{background:var(--blue)}
.legal{border-top:1px solid rgba(255,255,255,.15);padding-top:22px;font-size:.78rem;color:#9fb0c4;line-height:1.7}
.legal a{display:inline;text-decoration:underline}
.legal .ehl{display:flex;align-items:center;gap:10px;margin-top:14px;font-weight:700;color:#cdd8e6}
.ehl svg{flex:0 0 auto}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr;gap:26px}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}

/* ============================ CALCULATORS ============================ */
.calc-wrap{max-width:1000px;margin:0 auto}
.calc-tabs{display:flex;gap:8px;background:var(--bg-soft);padding:6px;border-radius:16px;margin-bottom:30px;flex-wrap:wrap}
.calc-tab{flex:1;min-width:150px;padding:14px 16px;border:0;background:transparent;border-radius:11px;font-weight:700;font-size:.98rem;color:var(--muted);cursor:pointer;transition:.15s}
.calc-tab:hover{color:var(--navy)}
.calc-tab.active{background:#fff;color:var(--navy);box-shadow:var(--shadow)}
.calc-panel{display:none}
.calc-panel.active{display:block;animation:calcfade .25s ease}
@keyframes calcfade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
@media(max-width:820px){.calc-grid{grid-template-columns:1fr;gap:24px}}
.calc-title{color:var(--navy);font-size:1.25rem;margin-bottom:4px}
.calc-sub{color:var(--muted);font-size:.96rem;margin-bottom:22px}
.calc-inputs{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px}
.field{margin-bottom:24px}
.field:last-child{margin-bottom:0}
.field .flabel{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px;gap:12px}
.field .flabel .fname{font-weight:700;color:var(--ink);font-size:.97rem}
.numwrap{position:relative;width:150px}
.numwrap .pre,.numwrap .post{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700;font-size:.95rem;pointer-events:none}
.numwrap .pre{left:12px}
.numwrap .post{right:12px}
.numwrap input.num{width:100%;padding:10px 12px 10px 24px;border:1px solid var(--line);border-radius:10px;font-size:1rem;font-weight:700;color:var(--navy);text-align:right}
.numwrap.pct input.num{padding:10px 28px 10px 12px}
.numwrap input.num:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,110,194,.15)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;background:#dbe5f0;outline:none;margin-top:4px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--accent);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(11,37,69,.25)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--accent);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(11,37,69,.25)}
.calc-results{background:linear-gradient(150deg,var(--navy),var(--blue));color:#fff;border-radius:18px;padding:30px;position:sticky;top:88px}
.result-main .rlabel{opacity:.85;font-weight:600;font-size:.95rem}
.result-main .rnum{font-size:2.9rem;font-weight:800;letter-spacing:-1.5px;line-height:1.08;margin-top:6px}
.result-main .rhint{font-size:.82rem;opacity:.8;margin-top:6px}
.meter{height:12px;border-radius:999px;background:rgba(255,255,255,.16);overflow:hidden;margin:20px 0 6px;display:flex}
.meter > i{display:block;height:100%;transition:width .35s ease}
.meter > i.used{background:#7f9cc0}
.meter > i.avail{background:var(--accent)}
.meter-key{display:flex;gap:18px;font-size:.78rem;opacity:.9;margin-bottom:6px}
.meter-key span{display:inline-flex;align-items:center;gap:6px}
.meter-key i{width:10px;height:10px;border-radius:3px;display:inline-block}
.result-row{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-top:1px solid rgba(255,255,255,.15);font-size:.98rem}
.result-row .k{opacity:.9}
.result-row .v{font-weight:800}
.rflag{margin-top:18px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:12px;padding:12px 14px;font-size:.85rem;line-height:1.5}
.rflag.warn{background:rgba(255,193,7,.16);border-color:rgba(255,193,7,.4)}
.calc-cta{margin-top:20px}
.calc-cta .btn{width:100%}
.calc-disclaimer{max-width:1000px;margin:22px auto 0;font-size:.8rem;color:var(--muted);line-height:1.6}