:root{--navy:#152944;--navy2:#1e3f64;--blue:#245da6;--teal:#147c77;--green:#12674e;--paper:#f5f7fa;--white:#fff;--muted:#627187;--border:#dfe6ee;--alert:#9b4a18;--softBlue:#eef5fd;--softGreen:#e9f7f1;--softAmber:#fff5e8;--shadow:0 8px 30px rgba(24,50,83,.045)}
*{box-sizing:border-box}[hidden]{display:none!important}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Arial,sans-serif;background:var(--paper);color:var(--navy);line-height:1.48;font-size:15px}button,input,select{font:inherit}button{cursor:pointer}button:disabled{opacity:.55;cursor:default}a{color:#174f98}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #7db7f7;outline-offset:2px}.shell{max-width:1350px;margin:auto;padding:18px 18px 64px}.hero{background:linear-gradient(120deg,#183450 0%,#1c5c82 68%,#18847c 130%);color:white;border-radius:24px;padding:29px 35px;display:grid;grid-template-columns:1fr auto;gap:18px;position:relative;overflow:hidden}.hero:after{content:"";width:240px;height:240px;border-radius:50%;position:absolute;right:-100px;top:-90px;border:50px solid #ffffff0d}.eyebrow{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#c0dfea;font-weight:800}.hero h1{margin:7px 0;font-size:clamp(27px,3.4vw,42px);line-height:1.15;letter-spacing:-.025em}.hero p{max-width:760px;color:#e2eef3;margin:7px 0 0;font-size:15px}.hero mark{color:#fff;background:#ffffff20;border:1px solid #ffffff40;border-radius:100px;padding:7px 12px;font-size:12px;font-weight:800;align-self:start;z-index:1}.mainGrid{display:grid;grid-template-columns:218px minmax(0,1fr) 275px;gap:16px;align-items:start;margin-top:18px}.sideNav,.workspace,.summary{border:1px solid var(--border);background:white;border-radius:19px;box-shadow:var(--shadow)}.sideNav{padding:14px;position:sticky;top:15px}.sideNav small{display:block;color:var(--muted);font-weight:750;padding:10px 8px;text-transform:uppercase;letter-spacing:.08em;font-size:10px}.stepbtn{border:0;background:transparent;width:100%;text-align:left;display:flex;align-items:center;gap:10px;padding:13px 11px;border-radius:11px;color:#455970;font-weight:750;margin-bottom:4px}.stepbtn .num{flex:none;width:24px;height:24px;background:#edf2f7;border-radius:9px;display:grid;place-items:center;font-size:12px}.stepbtn[aria-current="step"]{background:#eaf4fb;color:#174b84}.stepbtn[aria-current="step"] .num{background:#1d65a4;color:white}.stepbtn .txt{font-size:13px}.stepbtn span.subtxt{display:block;color:#8390a0;font-size:10px;font-weight:500;margin-top:2px}.workspace{padding:29px;min-height:570px}.screen{display:none}.screen.active{display:block}.pageTop{display:flex;align-items:start;gap:13px;margin-bottom:23px}.pageIcon{flex:none;background:#e9f3fb;border-radius:13px;width:46px;height:46px;display:grid;place-items:center;font-size:22px;color:#225b9b}.pageTop h2{font-size:25px;margin:0 0 4px;letter-spacing:-.02em}.pageTop p{color:var(--muted);margin:0;font-size:14px}.sectionTitle{font-size:16px;font-weight:850;margin:25px 0 12px}.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.field{display:flex;flex-direction:column;gap:5px;min-width:0}.field.full{grid-column:1/-1}label{font-size:13px;font-weight:750;color:#2b3d55}.help{font-size:12px;color:#6f7e8e}.input{width:100%;border:1px solid #cbd7e3;background:white;border-radius:10px;min-height:45px;padding:10px 12px;color:#172d47}input[type="number"]{font-variant-numeric:tabular-nums}input:disabled{background:#f3f6f9}.intro{background:#e9f5f5;border-radius:13px;padding:14px 16px;color:#215653;font-size:14px;margin:0 0 18px}.note{border-radius:12px;padding:13px 15px;font-size:13px;margin:17px 0;background:var(--softBlue);border:1px solid #d4e5f6;color:#28486a}.note.warn{background:var(--softAmber);border-color:#f3dfc0;color:#784518}.note.good{background:var(--softGreen);border-color:#c9e8db;color:#195b42}.note strong{font-weight:850}.textMuted{color:var(--muted)}.choices{display:flex;flex-wrap:wrap;gap:9px}.choice{border:1px solid #cbd9e8;color:#32516e;background:white;padding:11px 15px;border-radius:10px;font-weight:780}.choice.active{border:2px solid #25659f;background:#eaf3ff;color:#1c5590;padding:10px 14px}.advanced{border:1px solid var(--border);border-radius:13px;background:#fcfdff;margin-top:20px}.advanced summary{padding:15px 17px;cursor:pointer;font-weight:780;color:#22578d}.advanced .inside{padding:0 17px 17px}.advancegrid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.advcol{border:1px solid #e1e8ef;padding:12px;border-radius:11px}.advcol h4{margin:0 0 12px;font-size:13px}.advcol .field{margin-bottom:12px}.footnav{border-top:1px solid var(--border);padding-top:19px;margin-top:30px;display:flex;align-items:center;justify-content:space-between;gap:9px}.btn{border:1px solid #ccdae7;color:#25435c;background:#fff;border-radius:10px;padding:11px 17px;font-weight:760}.btn.primary{background:#2165a9;border-color:#2165a9;color:#fff}.btn.dark{background:#173752;border-color:#173752;color:#fff}.btn.small{padding:9px 12px;font-size:12px}.summary{padding:19px;position:sticky;top:15px}.summary h3{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin:0 0 12px}.summary .amount{font-size:31px;font-weight:850;letter-spacing:-.03em;margin:4px 0 0;font-variant-numeric:tabular-nums}.summary .subcap{font-size:11px;color:var(--muted)}.summary .stats{border-radius:13px;background:#eaf3fc;padding:15px;margin-bottom:14px}.smallrow{display:flex;justify-content:space-between;gap:9px;border-bottom:1px solid #eef1f5;padding:9px 0;font-size:12px}.smallrow strong{text-align:right}.summary .goodstat{background:var(--softGreen);padding:14px;border-radius:13px;margin-top:14px}.summary .goodstat b{display:block;font-size:23px}.summary .mini{font-size:11px;color:var(--muted);margin-top:12px}.tag{display:inline-block;border-radius:60px;padding:4px 9px;font-size:11px;font-weight:850;background:#e4f4ed;color:#24614e}.quoteCards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}.quoteCard{background:#fbfcfe;border:1px solid #dce5ef;border-radius:14px;padding:16px;min-width:0}.quoteCard h3{margin:0 0 14px;font-size:15px}.quoteCard .field{margin-bottom:13px}.quoteCard .field:last-child{margin-bottom:0}.quoteCard .input{font-size:13px;min-height:40px}.quoteCard label{font-size:11px}.quoteCard .help{font-size:11px}.checkboxLine{display:flex;gap:10px;align-items:start;margin:9px 0;color:#334b60;font-size:13px}.checkboxLine input{width:17px;height:17px;margin-top:2px;flex:none}.checkItem{display:flex;align-items:flex-start;gap:12px;border:1px solid #e4eaf0;padding:11px 12px;border-radius:10px;margin:8px 0}.checkItem input{width:18px;height:18px;flex:none;margin:3px 0 0}.checkItem label{font-size:13px;font-weight:500;cursor:pointer}.progress{height:8px;border-radius:40px;background:#e2eaf0;overflow:hidden}.progress span{height:100%;display:block;background:#2b8b79}.table{width:100%;border-collapse:collapse;font-size:13px}.table th,.table td{padding:12px 9px;text-align:left;border-bottom:1px solid #e7edf2;vertical-align:top}.table th{background:#f0f5fb;color:#3d5973}.table td:last-child,.table th:last-child{text-align:right;font-variant-numeric:tabular-nums}.table .strong{font-weight:800}.rowtotal{font-size:17px;font-weight:850}.resultsCards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.resultCard{border:1px solid #dce7ec;border-radius:15px;padding:17px;background:#fff}.resultCard h3{margin:0 0 6px;font-size:15px}.resultCard .price{font-size:23px;font-weight:850}.resultCard .caption{font-size:12px;color:var(--muted)}.resultCard.best{border:2px solid #3a9a7e;background:#f3fbf8}.bars{height:9px;border-radius:7px;background:#e0e8ee;overflow:hidden;margin:10px 0}.bars span{height:100%;background:#378ca4;display:block}.twoCol{display:grid;grid-template-columns:1fr 1fr;gap:15px}.comparison{padding:15px 17px;background:#f5f9fc;border-radius:14px}.comparison p{margin:5px 0;color:#526579;font-size:13px}.comparison strong{display:block;font-size:24px}.metric{color:#116c59;font-weight:750}.muted{font-size:12px;color:var(--muted)}.disclaimer{font-size:12px;line-height:1.55;color:#5b6d83;padding:17px;background:#f0f3f7;border-radius:13px;margin-top:23px}.footer{color:#6e8092;font-size:12px;margin-top:21px;line-height:1.6;padding:0 4px;max-width:1140px}.footer a{white-space:nowrap}.actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:18px}.danger{color:#9b4429}.liveBanner{display:none}.stepCount{font-size:11px;font-weight:760;letter-spacing:.07em;color:#1c7483;text-transform:uppercase;margin-bottom:7px}.center{padding:12px 15px;background:#f5f8fb;border-radius:12px;margin-top:12px}.center strong{font-size:18px}.emph{color:#126851}.inlineLabel{font-weight:850;color:var(--navy)}.hr{border:0;height:1px;background:#e5ecf2;margin:23px 0}.checkprogress{margin-top:12px;color:#617a87;font-size:12px}.logoDot{border-radius:12px;background:#d6f5ee;padding:9px;display:inline-flex;color:#166f67;font-weight:800}.fine{font-size:12px;color:#718095}.ok{color:#176a50}.bad{color:#ae5129}.leftAligned{text-align:left!important}.spacer{height:8px}.policyflag{margin-top:7px;color:#a24f31;font-size:11px}.policyok{margin-top:7px;color:#146c58;font-size:11px}
@media(max-width:1150px){.mainGrid{grid-template-columns:190px 1fr}.summary{grid-column:2;position:static;display:grid;grid-template-columns:1fr 1fr;gap:12px}.summary h3{grid-column:1/-1}.summary .goodstat{margin:0}.summary .mini{grid-column:1/-1}.summary .smallrow{align-self:center}.quoteCards{grid-template-columns:1fr 1fr}}@media(max-width:800px){.shell{padding:10px 10px 45px}.hero{padding:23px 19px;grid-template-columns:1fr}.hero mark{justify-self:start}.mainGrid{grid-template-columns:1fr;gap:12px}.sideNav{position:static;display:flex;overflow-x:auto;gap:4px;padding:8px}.sideNav small{display:none}.stepbtn{flex:0 0 auto;padding:8px}.stepbtn .subtxt{display:none!important}.workspace{padding:20px}.summary{grid-column:1;grid-template-columns:1fr 1fr}.quoteCards{grid-template-columns:1fr}.advancegrid{grid-template-columns:1fr}.liveBanner{display:block;color:#536e86;font-size:12px;text-align:center;padding:5px}}@media(max-width:560px){.fields,.resultsCards,.twoCol{grid-template-columns:1fr}.pageTop h2{font-size:22px}.summary{display:block}.hero p{font-size:14px}.workspace{padding:17px}.pageTop{gap:10px}.pageIcon{width:38px;height:38px}.stepbtn .txt{font-size:11px}.table{font-size:11px}.table th,.table td{padding:9px 5px}.hero h1{font-size:30px}.footnav{margin-top:23px}.quoteCards{grid-template-columns:1fr}.field.full{grid-column:auto}}
@media print{body{background:white}.shell{max-width:100%;padding:0}.hero{background:white;color:#132b47;padding:0 0 12px;border-radius:0}.hero p,.hero mark,.sideNav,.footnav,.summary,.actions,.footer,.screen:not(#screen-results){display:none!important}.mainGrid{display:block}.workspace{border:0;padding:0;box-shadow:none}.screen#screen-results{display:block!important}.disclaimer{break-inside:avoid}.resultCard{break-inside:avoid}.resultsCards{grid-template-columns:1fr 1fr}.pageTop{margin-bottom:10px}h1{font-size:26px!important}}

.runtimeNotice{padding:11px 17px;margin:12px 0 0;border:1px solid #e6c58d;border-radius:12px;background:#fff5e5;color:#78451c;font-size:13px;line-height:1.5}
.runtimeNotice.ready{background:#edf8f2;border-color:#c8e8d6;color:#146747}
.runtimeNotice strong{font-weight:800}
@media print{.runtimeNotice{display:none!important}}

/* Quick-answer mode: deliberately separate from the detailed workflow. */
.viewTabs{display:flex;align-items:center;gap:8px;margin:17px 0 0;background:#fff;border:1px solid var(--border);padding:7px;border-radius:15px;max-width:625px;box-shadow:var(--shadow)}
.viewTab{flex:1;border:0;background:transparent;border-radius:10px;min-height:48px;color:#496074;font-weight:850;padding:9px 13px}
.viewTab[aria-selected="true"]{background:#174e7b;color:#fff;box-shadow:0 3px 10px #0f3d6430}
.quickLayout{display:grid;grid-template-columns:minmax(0, 1fr) minmax(0,1fr);align-items:start;gap:18px;margin-top:18px}
.quickCard{background:#fff;border:1px solid var(--border);border-radius:20px;padding:27px;box-shadow:var(--shadow);min-width:0}
.quickTitle{font-size:clamp(23px,2.5vw,31px);letter-spacing:-.025em;margin:8px 0 8px;line-height:1.2}
.quickSub{color:#617387;margin:0 0 20px;font-size:14px}
.qBadge{font-size:10px;letter-spacing:.09em;text-transform:uppercase;font-weight:900;color:#147a77}
.qGroup{padding:21px 0 17px;border-top:1px solid #e7edf2}
.qGroup:first-of-type{border-top:0;padding-top:6px}
.qGroup h3{font-size:15px;margin:0 0 13px}
.qChoiceGrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}
.qOption{display:flex;flex-direction:column;gap:3px;align-items:center;justify-content:center;border:1.5px solid #d5e1e9;border-radius:13px;background:white;min-height:86px;padding:10px 7px;text-align:center;cursor:pointer;transition:background .15s,border-color .15s}
.qOption input{position:absolute;opacity:0;width:1px;height:1px}
.qOption:has(input:checked){background:#e9f3fd;border-color:#2b75b9;color:#144d83}
.qOption:focus-within{outline:3px solid #95bee9;outline-offset:2px}
.qOption b{font-size:12px}.qOption small{color:#6d7d8e;font-size:10px}
.qOptionIcon{font-size:24px;line-height:1.2}
.quickFields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:10px}
.quickFields .field{min-width:0}
.quickFields label{font-size:12px}
.quickInputs .input{font-size:17px;font-weight:700}
.quickHint{font-size:12px;color:#60768b;line-height:1.55;margin:6px 0 0}
.quickOptional{background:#f4f8fb;border:1px solid #e1eaf2;border-radius:13px;padding:17px;margin-top:15px}
.quickOptional summary{font-size:13px;color:#24547e;font-weight:800;cursor:pointer}
.quickOptional div{margin-top:7px}
.qBigButton{width:100%;border:0;border-radius:12px;padding:17px 16px;background:#166e78;color:white;font-weight:850;font-size:16px;min-height:56px;box-shadow:0 7px 17px #146a7525;margin-top:17px}
.qBigButton:hover{background:#0b5862}
.qResultPanel{background:linear-gradient(145deg,#f9fffc,#f3f8ff);border-color:#cfdfeb}
.qEmptyResult{min-height:390px;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;color:#54708a;gap:9px}
.qEmptyResult span{font-size:54px;color:#238579}
.qEmptyResult h3{color:#153651;font-size:21px;margin:0}
.qEmptyResult p{max-width:320px;font-size:14px;margin:0}
.qAmount{font-weight:900;font-size:clamp(39px,5vw,63px);letter-spacing:-.05em;color:#123a56;line-height:1.07;margin:7px 0 0;font-variant-numeric:tabular-nums}
.qPeriod{font-size:13px;color:#657b8e;margin:4px 0 24px}
.qCompare{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:14px 0}
.qCompareBox{border:1px solid #d5e5e9;padding:14px;background:white;border-radius:12px}
.qCompareBox span{display:block;color:#617588;font-size:11px}
.qCompareBox strong{display:block;font-size:23px;letter-spacing:-.03em;margin-top:4px;font-variant-numeric:tabular-nums}
.qFriendly{background:#e4f5ec;color:#144d3e;border-radius:15px;padding:18px;margin-top:12px;font-size:15px;line-height:1.65}
.qFriendly.neutral{background:#eaf2f9;color:#244c71}
.qFriendly.caution{background:#fff3e4;color:#80512b}
.qFriendly h3{font-size:17px;margin:0 0 8px;line-height:1.25}
.qFriendly p{margin:0 0 7px}
.qFriendly p:last-child{margin-bottom:0}
.qMini{border-top:1px solid #dce7ec;margin-top:16px;padding-top:14px;color:#5e7282;font-size:12px;line-height:1.6}
.qMini b{color:#23435b}
.qDetailLink{margin-top:14px;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.qDetailLink .btn{flex:1}
.qNoPrint{display:block}
@media(max-width:1030px){.quickLayout{grid-template-columns:1fr}.quickCard{padding:24px}.quickResultPanel{order:2}}
@media(max-width:630px){.quickCard{padding:19px}.quickFields{grid-template-columns:1fr}.qChoiceGrid{gap:6px}.qOption{min-height:86px;padding:8px 4px}.qCompareBox strong{font-size:19px}.viewTabs{max-width:none}.viewTab{font-size:13px}.qAmount{font-size:45px}}
@media print{.viewTabs,.quickInputs,.qDetailLink,.qNoPrint{display:none!important}#simpleMode:not([hidden]){display:block!important}#simpleMode:not([hidden]) .quickLayout{display:block!important}#simpleMode:not([hidden]) .quickResultPanel{display:block!important;box-shadow:none}#detailedMode[hidden]{display:none!important}.runtimeNotice{display:none!important}}



/* MTechStudio design system — v4 */
:root{--navy:#13253d;--navy2:#1f4267;--blue:#215a91;--teal:#128e75;--green:#106b55;--paper:#f6f8f9;--border:#dfe8ee;--shadow:0 16px 50px rgba(18,35,56,.06)}
body{background:radial-gradient(70% 50% at 2% 0%,#edf6f6 0%,transparent 100%),#f5f8f9;color:#172b42;line-height:1.5;letter-spacing:-.006em}
.shell{max-width:1440px;padding:0 24px 72px}
.site-bar{display:flex;align-items:center;gap:18px;padding:18px 0 20px;min-height:94px}
.logo-link{display:block;flex:none;text-decoration:none;line-height:0}
.brand-logo{display:block;width:260px;max-width:100%;height:auto}
.top-links{display:flex;align-items:center;gap:26px;margin-left:auto}
.top-links a{font-size:13px;text-decoration:none;color:#4e687d;font-weight:720}
.top-links a:hover{color:#176c70}
.bar-cta{margin-left:10px;border:1px solid #cad8de;border-radius:13px;padding:12px 18px;color:#184c63;text-decoration:none;font-size:13px;font-weight:790;background:#fff}
.bar-cta:hover{background:#edf8f5}
.hero{border-radius:28px;min-height:310px;padding:43px 53px;gap:25px;grid-template-columns:minmax(0,1.32fr) minmax(260px,.68fr);align-items:center;background:radial-gradient(120% 120% at 100% 80%,#1b747a 0%,transparent 49%),linear-gradient(105deg,#0c2138 0%,#183d5b 65%,#17496a 100%);box-shadow:0 14px 36px #132b4920}
.hero:after{display:none}
.hero-copy{position:relative;z-index:2}
.hero-kicker{letter-spacing:.15em!important;font-size:11px!important;font-weight:830;color:#9ce3d0!important;margin:0 0 14px!important}
.pulse-dot{display:inline-block;width:8px;height:8px;border-radius:50%;background:#75e4ba;margin-right:8px;box-shadow:0 0 0 5px #79e6be22}
.hero h1{font-size:clamp(31px,3.65vw,51px);line-height:1.13;letter-spacing:-.047em;margin:0;max-width:800px}
.hero h1 em{font-style:normal;color:#8af0d0}
.hero-intro{font-size:15px!important;color:#d5e4ed!important;max-width:610px;margin-top:18px!important;line-height:1.66}
.hero-chips{margin-top:21px;display:flex;align-items:center;gap:13px;flex-wrap:wrap}
.hero-chips span{display:flex;align-items:center;gap:6px;font-size:11px;color:#cce7e3;font-weight:780}
.hero-chips svg{width:15px;height:15px;color:#9de9cf}
.hero-art{position:relative;min-height:235px;display:grid;place-items:center}
.orb{position:absolute;border:1px solid rgba(168,234,221,.18);border-radius:50%}.orb-one{width:260px;height:260px;transform:rotate(-11deg)}.orb-two{width:325px;height:190px;transform:rotate(35deg)}
.art-panel{position:relative;width:min(100%,330px);z-index:2;background:rgba(255,255,255,.96);box-shadow:0 15px 40px #081a2e45;border-radius:22px;padding:22px 24px;transform:rotate(-3deg)}
.art-head{display:block;font-size:10px;color:#4c7185;font-weight:850;text-transform:uppercase;letter-spacing:.1em}
.art-panel>strong{display:block;font-size:20px;letter-spacing:-.04em;color:#173451;margin-top:6px}
.art-math{display:flex;align-items:center;justify-content:space-between;gap:10px;margin:15px 0}
.art-math>div{display:flex;flex-direction:column;gap:4px}.art-math span{font-size:12px;color:#668198}.art-math b{font-size:26px;color:#107f6c;line-height:1}
.art-under{border-top:1px solid #e6ebf0;padding-top:13px;color:#28586c;font-weight:750;font-size:11px;display:flex;gap:8px;align-items:center}
.art-dot{height:9px;width:9px;border-radius:50%;background:#18b795}.art-arrow{margin-left:auto;font-size:20px;color:#16a98d}
.art-small{position:absolute;bottom:0;right:-4px;z-index:3;background:#ddf9ed;border:1px solid #bbebd9;border-radius:13px;color:#32695f;font-size:11px;line-height:1.2;padding:10px 14px;transform:rotate(4deg);box-shadow:0 8px 16px #0a2d3025}
.art-small b{display:block;font-size:12px;color:#125742}
.mode-selector{margin:25px auto 17px;border:0;background:#eaf0f3;padding:7px;border-radius:16px;max-width:610px;gap:4px;scroll-margin-top:35px}
.viewTab{min-height:52px;font-size:14px;border-radius:12px}
.viewTab[aria-selected="true"]{background:#fff;color:#0e5264;box-shadow:0 4px 12px #172d4912}
.quickLayout{grid-template-columns:minmax(0,1fr) minmax(0,.9fr);max-width:1240px;margin:0 auto;gap:19px}
.quickCard{border-radius:24px;padding:29px 32px;box-shadow:0 11px 38px #203e540a}
.quickTitle{font-size:clamp(26px,2.5vw,34px);color:#142c45;line-height:1.17}
.quickSub{font-size:14px;color:#62798b;max-width:550px;line-height:1.65}
.qBadge{color:#168e78;letter-spacing:.12em}
.qGroup{padding:20px 0;border-color:#e7eef1}
.qGroup h3{display:flex;align-items:center;gap:10px;color:#203a53;font-size:16px;letter-spacing:-.02em}
.step-illustration{width:34px;height:34px;border-radius:11px;background:#e7f5f0;color:#13866c;display:inline-grid;place-items:center;flex:none}.step-illustration svg{width:18px;height:18px}
.qOption{border-radius:14px;border-color:#d7e4e8;min-height:86px}.qOption:has(input:checked){border-color:#18997b;background:#edf9f4;color:#145d51}
.qBigButton{background:#0e7968;box-shadow:0 10px 22px #0f826a29;border-radius:14px}.qBigButton:hover{background:#075f52}
.quickOptional{border-radius:14px;background:#f3f8fa}
.qResultPanel{background:linear-gradient(150deg,#fcfffe,#f3f9fa);border:1px solid #c9e2de}
.qAmount{color:#134c44}
.qFriendly{background:#e6f5eb}
.runtimeNotice{max-width:1240px;margin:14px auto!important;border-radius:14px;font-size:12px;padding:11px 15px}
#detailedMode{max-width:1370px;margin:20px auto}.sideNav,.workspace,.summary{box-shadow:0 11px 30px #203b4d09;border-radius:18px}
.workspace{padding:25px}.sectionTitle{letter-spacing:-.018em}
.btn.primary{background:#0e7968;border-color:#0e7968}
.sideNav{background:#fff}.stepbtn[aria-current="step"]{background:#e6f6ef;color:#116851}.stepbtn[aria-current="step"] .num{background:#149177}
.feature-section{padding:48px 4px 18px;max-width:1240px;margin:16px auto 0;scroll-margin-top:50px}
.section-line{display:flex;justify-content:space-between;gap:35px;align-items:end;margin-bottom:24px}
.section-line>div{max-width:630px}.mini-eyebrow{font-size:11px;letter-spacing:.17em;color:#198d76;font-weight:870}.section-line h2{font-size:clamp(23px,2.7vw,33px);letter-spacing:-.038em;margin:7px 0 0;color:#142f48;line-height:1.22}
.section-line>p{max-width:400px;font-size:13px;color:#6b7e8b;line-height:1.62;margin:0}
.feature-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.feature-card{background:#fff;border:1px solid #e1e9ee;border-radius:19px;padding:23px;box-shadow:0 8px 25px #16304b08}
.feature-icon{display:grid;place-items:center;background:#e8f7f1;color:#14846c;width:44px;height:44px;border-radius:14px}.feature-icon svg{width:23px;height:23px}
.feature-index{display:block;color:#88a2ad;font-weight:810;font-size:11px;letter-spacing:.14em;margin:19px 0 5px}
.feature-card h3{margin:0 0 8px;font-size:17px;letter-spacing:-.02em;color:#1c3a50}.feature-card p{margin:0;color:#657889;font-size:13px;line-height:1.62}
.education-strip{max-width:1240px;display:flex;gap:16px;align-items:flex-start;margin:26px auto 35px;padding:23px 26px;border-radius:18px;background:#eaf3f3;border:1px solid #d5e6e5}
.education-icon{flex:none;width:38px;height:38px;border-radius:50%;background:#d5eae6;color:#137769;display:grid;place-items:center}.education-icon svg{width:20px;height:20px}
.education-strip h2{font-size:15px;margin:1px 0 6px;color:#1a4e50}.education-strip p{font-size:12px;color:#486870;margin:0;line-height:1.7}
.footer{max-width:1240px;margin:0 auto;line-height:1.65;color:#6a7d8b}
.footer a{color:#145d7c}.footer-bottom{margin-top:30px;padding:24px 0;border-top:1px solid #dce7eb;display:flex;justify-content:space-between;align-items:center;gap:20px}
.footer-brand{display:flex;flex-direction:column;align-items:flex-start;gap:8px;flex:none;color:#23455b}.footer-brand .brand-logo{width:180px}.footer-brand small{font-size:10px;display:block;color:#738999}.footer-disclaimer{max-width:710px;font-size:11px;text-align:right}
@media(max-width:1100px){.hero{padding:35px 36px;grid-template-columns:1fr minmax(230px,.5fr)}.hero-art{min-height:220px}.top-links{gap:16px}}
@media(max-width:930px){.top-links{display:none}.bar-cta{margin-left:auto}.quickLayout{grid-template-columns:1fr;max-width:700px}.hero{grid-template-columns:1fr}.hero-art{display:none}.section-line{align-items:start;flex-direction:column;gap:13px}.feature-grid{grid-template-columns:1fr 1fr}.footer-bottom{flex-direction:column;align-items:flex-start}.footer-disclaimer{text-align:left}}
@media(max-width:600px){.shell{padding:0 12px 30px}.site-bar{padding:12px 3px;min-height:72px}.logo-link .brand-logo{width:clamp(128px,46vw,180px)}.bar-cta{padding:9px 11px;font-size:12px}.hero{padding:30px 22px;border-radius:20px;min-height:0}.hero h1{font-size:clamp(31px,8.6vw,41px)}.hero-intro{font-size:13px!important;margin-top:13px!important}.hero-chips{gap:8px 14px}.hero-chips span{font-size:10px}.hero-kicker{font-size:9px!important}.mode-selector{margin:16px 0;max-width:none}.quickCard{padding:21px 17px;border-radius:20px}.qGroup h3{font-size:14px}.step-illustration{width:30px;height:30px}.quickTitle{font-size:27px}.feature-grid{grid-template-columns:1fr}.feature-section{padding:32px 6px 10px}.education-strip{padding:16px;margin-top:18px}.footer-bottom{margin-top:16px}.viewTab{font-size:12px}.site-bar .top-links{display:none}}
@media print{.site-bar,.hero-art,.hero-chips,.feature-section,.education-strip,.footer-bottom{display:none!important}.shell{padding:0}.quickCard{box-shadow:none}.quickLayout{max-width:none}}


/* Public education and reader-protection sections — v4.2 */
.policy-fact{max-width:1240px;margin:23px auto 12px;border-radius:22px;padding:25px 30px;display:grid;grid-template-columns:58px 1fr;gap:18px;background:linear-gradient(115deg,#ecfaf4 0%,#eef7f9 75%);border:1px solid #c9e7dd;box-shadow:0 7px 26px #173f4209}
.policy-fact-leading{color:#0c7867;background:#d6f3e5;width:54px;height:54px;border-radius:17px;display:grid;place-items:center}
.policy-fact-eyebrow{font-size:11px;text-transform:uppercase;letter-spacing:.13em;font-weight:850;color:#0c7664}
.policy-fact h2{font-size:clamp(21px,2.4vw,28px);line-height:1.19;letter-spacing:-.028em;margin:4px 0 12px;color:#163c40}
.policy-fact p{font-size:14px;line-height:1.62;margin:8px 0;color:#325a5a;max-width:1000px}
.policy-fact-voice{border-left:3px solid #41a98e;padding-left:13px;color:#31625c!important}
.policy-fact-link{display:inline-flex;gap:6px;margin-top:10px;color:#126d66;font-size:12px;font-weight:750;text-decoration:none;border-bottom:1px solid #a5d8c9}
.preflight-disclaimer{max-width:1240px;margin:12px auto 23px;background:#fff8ec;border:1px solid #ead9bb;border-radius:18px;padding:17px 23px;display:flex;align-items:flex-start;gap:13px;color:#775025}
.preflight-symbol{color:#95571b;display:grid;place-items:center;flex:none;width:32px;height:32px;border-radius:9px;background:#ffedcc}
.preflight-disclaimer strong{display:block;color:#6a3d19;font-size:13px;line-height:1.4}
.preflight-disclaimer p{font-size:12px;line-height:1.63;margin:5px 0 0}.preflight-disclaimer a{color:#74420a;font-weight:740}
.minimum-guide{max-width:1240px;margin:5px auto 24px;border:1px solid #dbe5e7;border-radius:22px;padding:27px;background:#fff;box-shadow:0 6px 21px #18344608}
.minimum-guide-heading{display:flex;gap:14px;align-items:center}.minimum-icon{flex:none;display:grid;place-items:center;width:46px;height:46px;background:#e4f4ee;border-radius:15px;color:#10856c}
.minimum-guide-heading h2{font-size:clamp(20px,2.2vw,27px);margin:2px 0 0;line-height:1.2;letter-spacing:-.027em;color:#1a3349}.minimum-guide-heading h2 em{font-style:normal;color:#0e826a}
.minimum-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;margin-top:21px}.minimum-steps article{border:1px solid #e2ecec;border-radius:14px;padding:18px 18px;background:#f9fcfc}
.minimum-num{display:inline-grid;place-items:center;width:31px;height:31px;border-radius:10px;background:#e0f3ea;color:#19765f;font-size:11px;font-weight:850}
.minimum-steps h3{font-size:15px;margin:11px 0 7px;letter-spacing:-.019em;color:#234554}.minimum-steps p{font-size:12px;margin:0;color:#56717b;line-height:1.62}
.minimum-source{font-size:12px;color:#57717a;background:#f1f7f8;padding:12px 15px;border-radius:12px;margin:14px 0 0;line-height:1.5}.minimum-source a{font-weight:750;color:#166c69}
.legal-section{max-width:1240px;margin:25px auto 30px;padding:31px 32px;border:1px solid #d9e4e9;background:#fff;border-radius:23px}
.legal-heading h2{margin:5px 0 6px;letter-spacing:-.031em;font-size:clamp(22px,2.6vw,29px);color:#1b364d}.legal-heading p{margin:0;font-size:13px;color:#617d8d}
.legal-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:21px}.legal-card{background:#f6f9fb;border:1px solid #e3ecf0;padding:18px;border-radius:14px}.legal-card h3{font-size:14px;margin:0 0 9px;color:#234353}.legal-card p{font-size:12px;line-height:1.65;color:#586e7c;margin:0}.legal-bottom{font-size:12px;line-height:1.65;color:#526b7d;margin:17px 0 0;border-top:1px solid #e6edf0;padding-top:14px}
.qResultCaution{font-size:12px;line-height:1.6;color:#536975;background:#f4f8fa;padding:12px 14px;border-radius:11px;border:1px solid #dbe7eb}
@media (max-width:850px){.minimum-steps{grid-template-columns:1fr}.legal-grid{grid-template-columns:1fr}.policy-fact{grid-template-columns:1fr;gap:10px}}
@media(max-width:600px){.policy-fact{margin:13px auto;padding:21px 18px;border-radius:17px}.policy-fact h2{font-size:22px}.policy-fact p{font-size:12px}.preflight-disclaimer{padding:15px 14px;gap:10px}.preflight-disclaimer p{font-size:11px}.minimum-guide{padding:21px 16px;border-radius:18px;margin-bottom:15px}.minimum-guide-heading{align-items:flex-start}.minimum-guide-heading h2{font-size:21px}.minimum-steps{gap:10px;margin-top:15px}.minimum-steps article{padding:14px}.legal-section{padding:22px 16px;border-radius:18px}.legal-card{padding:15px}}
@media print{.preflight-disclaimer,.policy-fact,.minimum-guide,.legal-section{break-inside:avoid}.qResultCaution{break-inside:avoid}}


/* MTechStudio Aussie Health Cover Savings Calculator v4.4: Australia-wide scope and cover-day explainer */
.aus-scope{display:flex;align-items:center;gap:13px;margin:12px auto 0;max-width:1220px;padding:12px 18px;border:1px solid #c9dfe6;border-radius:14px;background:#eef7fa;color:#244d5c}
.aus-scope p{margin:0;font-size:12px;line-height:1.52}
.aus-scope-mark{display:grid;place-items:center;flex:0 0 39px;height:33px;border-radius:10px;font-size:11px;font-weight:900;letter-spacing:.06em;background:#174963;color:#f1fcff}
.timing-guide{max-width:1240px;margin:18px auto 24px;border:1px solid #dbd9c6;background:linear-gradient(125deg,#fffdf3,#f7fafb);border-radius:22px;padding:25px 30px}
.timing-heading{display:flex;gap:15px;align-items:flex-start}
.timing-icon{flex:0 0 48px;height:48px;display:grid;place-items:center;background:#ffedc5;color:#715324;border-radius:15px}
.timing-heading h2{font-size:clamp(20px,2.5vw,28px);line-height:1.18;letter-spacing:-.027em;margin:6px 0 9px;color:#21394a}
.timing-heading p{font-size:13px;color:#455e69;line-height:1.65;margin:0;max-width:980px}
.timing-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:21px}
.timing-step{border:1px solid #e4e8d7;background:#fff;border-radius:13px;padding:16px;display:flex;flex-direction:column;gap:7px;min-width:0}
.timing-pill{align-self:flex-start;border-radius:100px;background:#eaf2f4;color:#265c62;padding:6px 9px;font-size:10px;font-weight:860;letter-spacing:.035em}
.timing-step b{font-size:15px;color:#1d3c4c}
.timing-step small{color:#667b80;font-size:12px;line-height:1.55}
.timing-example{padding:14px 16px;margin-top:13px;border-radius:12px;background:#f8f0df;border:1px solid #ecd8aa;color:#634e2c;font-size:13px;line-height:1.6}
.timing-example a{font-weight:750;color:#176d6b}
.timing-small{font-size:12px;line-height:1.6;color:#576f73;margin:12px 0 0}
.timing-small a{font-weight:760;color:#176d6b}
.qTiming{background:#fff;border:1px solid #cfdfe7;border-radius:14px;padding:16px;margin:14px 0}
.qTimingHead h3{color:#244c5c;font-size:16px;margin:6px 0 14px;line-height:1.35}
.qTimingGrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}
.qTimingGrid>div{padding:12px;border-radius:10px;background:#eff5f8;border:1px solid #e0ebed;min-width:0}
.qTimingGrid span{display:block;font-size:11px;color:#5a747c;line-height:1.4}
.qTimingGrid strong{display:block;font-size:19px;letter-spacing:-.028em;color:#173f56;margin-top:5px;font-variant-numeric:tabular-nums}
.qTiming p{font-size:12px;line-height:1.6;color:#4c6574;margin:14px 0 0}
.qTiming .qTimingWarning{padding-top:13px;border-top:1px solid #e0e8ee}
@media(max-width:760px){.timing-steps{grid-template-columns:1fr}.timing-guide{padding:20px 18px;border-radius:17px}.timing-heading{gap:10px}.timing-icon{height:38px;flex-basis:38px}.timing-heading h2{font-size:21px}.aus-scope{padding:12px}}
@media(max-width:470px){.qTimingGrid{grid-template-columns:1fr}.qTimingGrid strong{font-size:19px}}
@media print{.timing-guide,.aus-scope{break-inside:avoid}.qTiming{break-inside:avoid}}


/* Published policy prices are historical references, deliberately separate from the MLS calculation. */
.budget-market{max-width:1240px;margin:24px auto 27px;padding:29px 31px 23px;border-radius:24px;background:linear-gradient(143deg,#f0f8f7 0%,#fff 55%,#f7fafc 100%);border:1px solid #cfdfe0;box-shadow:0 12px 42px #163e3a0a;color:#1e384b}
.budget-title-wrap{display:flex;gap:15px;align-items:center}.budget-title-wrap h2{font-size:clamp(22px,2.7vw,31px);line-height:1.2;letter-spacing:-.03em;margin:5px 0 0;color:#15364d}
.budget-head>p{max-width:900px;color:#536c7a;font-size:14px;line-height:1.65;margin:15px 0 21px}
.budget-eyebrow{font-size:11px;letter-spacing:.12em;color:#167e6c;font-weight:800;margin:0}
.budget-icon{width:53px;height:53px;flex:none;display:grid;place-items:center;background:#d7f2e9;border:1px solid #b7e3d5;border-radius:17px;color:#157e66}
.budget-layout{display:grid;grid-template-columns:minmax(240px,.85fr) minmax(300px,1.15fr);gap:17px}
.budget-choice,.budget-policy{border:1px solid #e2e9ed;border-radius:18px;padding:21px;background:white}
.budget-choice label{font-weight:750;display:block;font-size:13px;margin-bottom:8px}
.budget-choice select{width:100%;max-width:100%;background:#f8fcfc}
.budget-small{font-size:12px;line-height:1.5;color:#688090;margin:9px 0 16px}
.budget-price{padding:15px 17px;border-radius:14px;background:#e5f7ef;color:#0d5547}
.budget-stat-label{display:block;font-size:11px;font-weight:700;letter-spacing:.03em}
.budget-amount{font-size:38px;font-weight:850;letter-spacing:-.05em;line-height:1.2;margin-top:6px;color:#0c5949}
.budget-amount small{font-size:14px;letter-spacing:0;font-weight:650}
.budget-price p{font-size:12px;color:#396959;margin:5px 0 0;line-height:1.5}
.budget-tag{display:inline-flex;color:#236a61;background:#e6f7f3;font-size:10px;font-weight:800;letter-spacing:.085em;padding:7px 10px;border-radius:100px}
.budget-policy h3{font-size:18px;line-height:1.4;color:#193e52;margin:13px 0 8px}
.budget-policy>p{font-size:13px;line-height:1.62;color:#5d7484;margin:8px 0 14px}
.budget-actions{display:flex;gap:8px;flex-wrap:wrap}
.budget-actions a{font-size:12px;font-weight:750;line-height:1.4;border:1px solid #a7d6cd;color:#0e6f60;background:#f4fcf8;padding:10px 12px;border-radius:10px;text-decoration:none}
.budget-actions a:nth-child(2){background:#203f57;color:white;border-color:#203f57}
.budget-actions a:focus-visible,.budget-details summary:focus-visible{outline:3px solid #1c937e;outline-offset:3px}
.budget-policy .budget-important{font-size:11px;color:#5b7583;margin:16px 0 0;border-top:1px solid #edf1f2;padding-top:11px}
.budget-details{border:1px solid #d8e4e7;background:#fff;border-radius:14px;margin:17px 0 0;overflow:hidden}
.budget-details summary{padding:16px 19px;color:#214354;font-size:13px;font-weight:800;cursor:pointer;list-style:none}
.budget-details summary::-webkit-details-marker{display:none}
.budget-details summary span{float:right;font-size:20px;font-weight:450;color:#167e6c;margin-top:-2px}
.budget-table-wrap{overflow-x:auto;border-top:1px solid #e6eef1}
.budget-table{width:100%;border-collapse:collapse;font-size:12px;text-align:left;min-width:650px}
.budget-table caption{text-align:left;padding:14px 16px;font-size:11px;line-height:1.5;color:#617889}
.budget-table th,.budget-table td{padding:12px 15px;border-top:1px solid #edf1f2;vertical-align:middle}
.budget-table thead th{background:#f3f8fa;color:#466473;font-weight:800}
.budget-table td small{color:#647b8a;display:inline-block;margin-top:2px;line-height:1.4}
.budget-cell-price{white-space:nowrap;font-weight:850;font-size:14px;color:#095c50}
.budget-table a{font-weight:750;text-decoration:underline;text-underline-offset:2px;color:#0d7563;white-space:nowrap}
.budget-caution{display:flex;gap:12px;align-items:flex-start;margin:14px 0 12px;padding:14px 16px;background:#fffaf0;border:1px solid #f1dec4;border-radius:13px}
.budget-caution>span{flex:none;display:grid;place-items:center;width:24px;height:24px;background:#e9c884;border-radius:100px;color:#583f15;font-weight:850}
.budget-caution p{font-size:12px;line-height:1.65;color:#584b35;margin:0}
.budget-source{font-size:11px;line-height:1.6;color:#627b86;margin:12px 1px 1px}
.budget-source a{color:#0a6c5c;text-underline-offset:2px}
.budget-next{margin:12px 0;padding:13px 14px;border:1px solid #d1e7df;border-radius:12px;background:#f0f9f5}
.budget-next a{display:block;color:#126c58;font-size:13px;font-weight:800}
.budget-next small{display:block;color:#657d7c;margin-top:5px;font-size:11px}
@media(max-width:830px){.budget-layout{grid-template-columns:1fr}.budget-market{padding:23px 19px}.budget-amount{font-size:32px}}
@media(max-width:560px){.budget-market{padding:21px 15px;border-radius:17px}.budget-title-wrap{gap:10px;align-items:flex-start}.budget-icon{height:44px;width:44px;border-radius:12px}.budget-title-wrap h2{font-size:22px}.budget-head>p{font-size:12px}.budget-choice,.budget-policy{padding:17px}.budget-actions{flex-direction:column}.budget-actions a{display:block}.budget-caution{padding:12px}.budget-details summary{font-size:12px;padding:13px 12px}}
@media print{.budget-market{box-shadow:none;break-inside:avoid}.budget-details{display:none}}