/* Cost and coverage planning */
.calculator-stale-notice{padding:14px;border:1px solid #f5d57b;border-radius:12px;background:#fff1c7;color:#604816;font-size:.8rem;line-height:1.6}
.calculator-main{background:#f7faff}.calculator-hero{padding:58px 0 78px;background:radial-gradient(ellipse at 85% 20%,#dcecff 0,transparent 38%),linear-gradient(125deg,#f7fbff,#edf5ff 65%,#fff7df);border-bottom:1px solid var(--line)}.calculator-hero-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(300px,.7fr);gap:65px;align-items:center}.calculator-hero h1{font-family:Newsreader,Georgia,serif;font-size:clamp(3rem,5.5vw,5.4rem);line-height:.98;letter-spacing:-.04em;margin:20px 0}.calculator-hero h1 em{color:var(--blue);font-weight:600}.calculator-lede{max-width:640px;color:var(--muted);font-size:1.05rem}.calculator-assurances{display:flex;flex-wrap:wrap;gap:8px 20px;color:#355577;font-size:.73rem;font-weight:700;margin-top:24px}.calculator-hero-note{position:relative;border:1px solid #d3e2f2;background:rgba(255,255,255,.85);border-radius:25px;padding:30px;box-shadow:0 22px 55px rgba(7,27,54,.07)}.calculator-hero-note h2{font-family:Newsreader,Georgia,serif;font-size:1.9rem;line-height:1.08;letter-spacing:-.02em}.calculator-hero-note>p:not(.kicker){color:var(--muted);font-size:.85rem}.calculator-hero-note .text-link{font-size:.82rem}.calculator-note-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:#fff1c7;color:#997019;margin-bottom:20px;font-size:1.5rem}.calculator-workspace{display:grid;grid-template-columns:minmax(0,1.18fr) minmax(0,.82fr);gap:28px;align-items:start;padding-top:46px;padding-bottom:75px}.calculator-form-panel{border:1px solid var(--line);border-radius:24px;background:#fff;padding:32px;box-shadow:0 18px 45px rgba(7,27,54,.04)}.calculator-panel-heading{display:flex;justify-content:space-between;align-items:center;gap:15px;border-bottom:1px solid var(--line);padding-bottom:24px;margin-bottom:24px}.calculator-panel-heading h2{font-family:Newsreader,Georgia,serif;font-size:2rem;line-height:1.05;margin:0}.calculator-panel-heading .kicker{margin-bottom:8px}.calculator-required-note{font-size:.67rem;color:var(--muted);max-width:120px}.calculator-origin{padding:15px;background:var(--sky);border:1px solid #c9dff8;border-radius:13px;margin-bottom:26px}.calculator-origin>span{display:block;font-size:.72rem;font-weight:800;margin-bottom:9px}.calculator-origin>div{display:flex;gap:6px;flex-wrap:wrap}.calculator-origin>small{display:block;font-size:.67rem;color:var(--muted);margin-top:8px}.calculator-context-pill{display:inline-block;border:1px solid #c7dbf2;border-radius:999px;padding:5px 9px;font-size:.68rem;color:#244a75;background:#fff;font-weight:700}.calculator-fieldset{border:0;padding:0;margin:0}.calculator-fieldset>legend{display:flex;align-items:center;gap:12px;font-weight:800;font-size:1rem;padding:0}.calculator-fieldset>legend>span{display:grid;place-items:center;width:31px;height:31px;border-radius:9px;background:var(--sky);font-size:.66rem;color:var(--blue)}.calculator-fieldset>p,.calculator-details-body>p{font-size:.8rem;color:var(--muted);margin:14px 0 0}.calculator-fields{display:grid;gap:15px;margin:18px 0}.calculator-fields.two{grid-template-columns:repeat(2,minmax(0,1fr))}.calculator-fields.three{grid-template-columns:repeat(3,minmax(0,1fr))}.calculator-form label{display:block;min-width:0}.calculator-form label>span{display:block;margin-bottom:7px;font-size:.73rem;line-height:1.5;font-weight:800}.calculator-form label>span small{font-weight:500;color:var(--muted);font-size:.68rem}.calculator-form input,.calculator-form select{width:100%;min-width:0;height:48px;padding:0 11px;border:1px solid #c4d3e3;border-radius:9px;background:#fff;color:var(--ink);font-size:.79rem}.calculator-form input::placeholder{color:#7c8da1}.calculator-form input:focus,.calculator-form select:focus{outline:2px solid #88b9fa;outline-offset:2px;border-color:var(--blue)}.calculator-form [aria-invalid=true]{border-color:var(--danger)}.calculator-field-error{display:block;font-size:.68rem;color:var(--danger);margin-top:6px}.calculator-field-note{font-size:.7rem!important;line-height:1.6;color:var(--muted);margin:15px 0 25px!important}.calculator-details{border-top:1px solid var(--line);margin-top:22px}.calculator-details>summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:10px;cursor:pointer;padding:20px 0;font-size:.87rem;font-weight:800}.calculator-details>summary::-webkit-details-marker{display:none}.calculator-details>summary>span:first-child{display:block}.calculator-details summary b{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:8px;background:#f0f5fb;color:var(--blue);font-size:.64rem;margin-right:7px}.calculator-details summary small{display:block;padding-left:38px;margin-top:3px;color:var(--muted);font-weight:500;font-size:.69rem}.calculator-details>summary>span:last-child{font-size:1.1rem;color:var(--blue)}.calculator-details[open]>summary>span:last-child{transform:rotate(45deg)}.calculator-details-body{padding:0 0 5px}.calculator-details-body>.calculator-fields:first-child{margin-top:0}.calculator-currency{position:relative}.calculator-currency>span{position:absolute;left:12px;top:10px;color:#6c819a;font-weight:700}.calculator-currency input{padding-left:28px}.calculator-submit{padding-top:24px;border-top:1px solid var(--line);margin-top:5px}.calculator-submit .button{width:100%;font-size:.84rem}.calculator-submit>p{text-align:center;font-size:.68rem;color:var(--muted);margin:12px 0 0}.calculator-result-panel{background:linear-gradient(145deg,#081e3b,#103d70);color:#fff;border:1px solid #153d6c;border-radius:24px;padding:30px;box-shadow:0 22px 55px rgba(7,27,54,.16);position:sticky;top:20px;scroll-margin-top:20px;outline:none}.calculator-result-panel:focus-visible{outline:3px solid var(--gold);outline-offset:4px}.calculator-result-panel h2{font-family:Newsreader,Georgia,serif;font-size:2.2rem;line-height:1.05;letter-spacing:-.02em;margin-bottom:14px}.calculator-result-intro{color:#c4d5e9;font-size:.85rem}.calculator-empty-illustration{display:grid;gap:9px;margin:30px 0;padding:18px;background:rgba(255,255,255,.045);border:1px solid #345475;border-radius:16px}.calculator-empty-illustration>div{display:grid;grid-template-columns:68px 1fr;gap:3px 10px;padding:9px 0}.calculator-empty-illustration span{color:#a2bddb;font-size:.62rem;text-transform:uppercase;letter-spacing:.08em}.calculator-empty-illustration b{font-size:.75rem;line-height:1.2;font-weight:700}.calculator-empty-illustration i{grid-column:2;display:block;width:76%;height:4px;border-radius:3px;background:linear-gradient(90deg,#398ff8,#b1d4ff);margin-top:6px}.calculator-empty-illustration>div:nth-child(2) i{width:94%}.calculator-empty-illustration>div:nth-child(3) i{width:58%;background:linear-gradient(90deg,#d9a531,#f8d685)}.calculator-result-explainer{list-style:none;padding:0;margin:0}.calculator-result-explainer li{display:flex;gap:13px;margin:20px 0}.calculator-result-explainer li>b{flex:none;width:30px;height:30px;border:1px solid #4d6c8e;color:#f5d57b;border-radius:9px;display:grid;place-items:center;font-size:.65rem}.calculator-result-explainer strong,.calculator-result-explainer small{display:block}.calculator-result-explainer strong{font-size:.81rem}.calculator-result-explainer small{font-size:.73rem;color:#b5cbe1;margin-top:4px;line-height:1.6}.calculator-result-caveat{border-top:1px solid #365471;padding-top:18px;margin:24px 0 0;color:#b6cce4;font-size:.69rem;line-height:1.7}.calculator-benchmark{background:#fff;border-radius:17px;padding:22px;color:var(--ink);margin:24px 0 0}.calculator-result-tag{display:inline-block;font-size:.61rem;letter-spacing:.07em;text-transform:uppercase;font-weight:800;color:var(--blue);background:#eef5ff;padding:6px 9px;border-radius:6px}.calculator-benchmark>p{font-size:.8rem;font-weight:700;margin:17px 0 7px}.calculator-main-number{font-family:Newsreader,Georgia,serif;font-size:3.1rem;letter-spacing:-.03em;line-height:1.1}.calculator-main-number small{font-family:Manrope,sans-serif;font-size:.68rem;display:block;letter-spacing:0;color:var(--muted);font-weight:500;margin:5px 0 13px}.calculator-benchmark>strong{display:block;font-size:.86rem}.calculator-benchmark .calculator-benchmark-scope{font-size:.69rem;line-height:1.65;font-weight:500;color:var(--muted);margin:15px 0}.calculator-benchmark>a{font-size:.67rem;color:var(--blue);font-weight:800;text-underline-offset:3px}.calculator-specialist{padding:21px;background:rgba(255,255,255,.06);border:1px solid #496582;border-radius:16px;margin:24px 0}.calculator-specialist h3{font-family:Newsreader,Georgia,serif;line-height:1.1;font-size:1.6rem;margin:16px 0 10px}.calculator-specialist>p{color:#bdcfe3;font-size:.8rem;margin-bottom:0}.calculator-personal-math{background:#eef5ff;color:var(--ink);padding:20px;border-radius:15px;margin-top:20px}.calculator-personal-math .kicker{font-size:.6rem;margin-bottom:12px}.calculator-personal-math strong{font-family:Newsreader,Georgia,serif;font-size:1.7rem;display:block;line-height:1.2}.calculator-personal-math strong small{font-family:Manrope,sans-serif;font-size:.65rem;color:var(--muted);display:block;font-weight:500;margin-top:6px}.calculator-personal-math div>span{display:block;font-size:.73rem;font-weight:700;margin-top:10px}.calculator-personal-math>p:not(.kicker){font-size:.68rem;line-height:1.65;color:#61748c;margin:12px 0 0}.calculator-result-chips{display:flex;flex-wrap:wrap;gap:6px;margin:22px 0}.calculator-result-chips>span{font-size:.64rem;padding:5px 8px;border:1px solid #547190;border-radius:7px;color:#d9e6f7;background:rgba(255,255,255,.04)}.calculator-guidance{border-top:1px solid #365471;padding-top:23px;margin-top:22px}.calculator-guidance>h3{font-family:Newsreader,Georgia,serif;font-size:1.6rem;line-height:1.1}.calculator-guidance article{display:flex;gap:10px;margin:18px 0}.calculator-guidance article>span{color:var(--gold-2);font-size:.8rem}.calculator-guidance h4{font-size:.78rem;line-height:1.5;margin:0 0 4px}.calculator-guidance article p{color:#bdcfe4;font-size:.72rem;line-height:1.65;margin:0}.calculator-result-actions{border-top:1px solid #365471;padding-top:24px;margin-top:24px}.calculator-result-actions>.button{font-size:.78rem;margin-bottom:10px}.calculator-result-actions>small{display:block;font-size:.65rem;text-align:center;color:#c1d3e7;line-height:1.6;margin:0 0 15px}.calculator-edit-link{display:block;text-align:center;color:#d2e2f3;font-size:.73rem;font-weight:700;text-underline-offset:4px}.calculator-methodology{padding-bottom:80px;display:grid;grid-template-columns:.65fr 1.35fr;gap:45px}.calculator-methodology>div>h2{font-family:Newsreader,Georgia,serif;font-size:2.4rem;line-height:1.05}.calculator-methodology>div>p:not(.kicker){font-size:.85rem;color:var(--muted)}.calculator-method-cards{display:grid;gap:12px}.calculator-method-cards article{padding:22px 25px;background:#fff;border:1px solid var(--line);border-radius:15px}.calculator-method-cards h3{font-size:.9rem;margin:0 0 8px}.calculator-method-cards p{font-size:.79rem;color:var(--muted);margin:0}.calculator-method-cards a{display:inline-block;font-size:.72rem;color:var(--blue);font-weight:800;margin-top:12px;text-underline-offset:4px}.calculator-teaser{display:grid;grid-template-columns:1.2fr .8fr;gap:35px;align-items:center;margin:40px 0;padding:32px;border:1px solid #cbdef4;border-radius:22px;background:linear-gradient(120deg,#f1f7ff,#fffdf6);box-shadow:0 10px 35px rgba(7,27,54,.04)}.calculator-teaser h2{font-family:Newsreader,Georgia,serif;font-size:clamp(1.8rem,3vw,2.5rem);line-height:1.04;margin:.2em 0 .4em}.calculator-teaser p:not(.kicker){font-size:.86rem;color:var(--muted);margin-bottom:15px}.calculator-teaser .button{font-size:.78rem;margin-top:15px;display:flex;width:fit-content}.calculator-teaser-copy>.calculator-context-pill{margin-right:6px}.calculator-teaser-copy>small{display:block;color:var(--muted);font-size:.67rem;margin-top:11px}.calculator-teaser-steps{margin:0;padding:18px 20px;list-style:none;background:#fff;border:1px solid #d7e4f1;border-radius:16px}.calculator-teaser-steps li{display:flex;align-items:center;gap:12px;padding:12px 0;position:relative}.calculator-teaser-steps li+li{border-top:1px solid #e5edf5}.calculator-teaser-steps li>span{flex:none;display:grid;place-items:center;width:32px;height:32px;border-radius:9px;color:#fff;background:var(--navy);font-size:.62rem;font-weight:800}.calculator-teaser-steps strong,.calculator-teaser-steps small{display:block}.calculator-teaser-steps strong{font-size:.78rem}.calculator-teaser-steps small{font-size:.65rem;color:var(--muted);margin-top:2px}.calculator-teaser-steps li:last-child>span{color:var(--navy);background:#f4d47a}
@media(max-width:1050px){.calculator-hero-grid{gap:30px}.calculator-workspace{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:20px}.calculator-form-panel,.calculator-result-panel{padding:25px}.calculator-fields.three{grid-template-columns:1fr 1fr}.calculator-fields.three>label:last-child{grid-column:1/-1}.calculator-panel-heading{align-items:start;flex-direction:column;gap:10px}.calculator-required-note{max-width:none}.calculator-methodology{gap:25px}}
@media(max-width:800px){.calculator-hero{padding:38px 0 45px}.calculator-hero-grid{grid-template-columns:1fr}.calculator-hero-note{display:none}.calculator-workspace{grid-template-columns:1fr;padding-top:25px;padding-bottom:45px}.calculator-result-panel{position:relative;top:0}.calculator-result-panel.has-results{grid-row:1}.calculator-methodology{grid-template-columns:1fr;padding-bottom:50px;gap:10px}.calculator-methodology>div>h2{font-size:2.1rem}.calculator-teaser{gap:20px;padding:25px;grid-template-columns:1fr}.calculator-teaser-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));padding:14px;gap:15px}.calculator-teaser-steps li{padding:0;align-items:start;flex-direction:column;gap:8px}.calculator-teaser-steps li+li{border:0}.calculator-result-panel h2{font-size:2rem}}
@media(max-width:500px){.calculator-hero h1{font-size:3rem}.calculator-lede{font-size:.94rem}.calculator-assurances{gap:7px;font-size:.68rem;flex-direction:column}.calculator-form-panel,.calculator-result-panel{padding:22px 19px;border-radius:18px}.calculator-panel-heading h2{font-size:1.8rem}.calculator-fields.two,.calculator-fields.three{grid-template-columns:1fr;gap:15px}.calculator-fields.three>label:last-child{grid-column:auto}.calculator-details>summary{font-size:.8rem}.calculator-details summary small{font-size:.65rem;padding-left:0;margin-top:7px}.calculator-details summary b{margin-right:5px}.calculator-submit .button{font-size:.77rem;padding-inline:14px}.calculator-method-cards article{padding:20px}.calculator-teaser{padding:23px 20px;border-radius:18px}.calculator-teaser-steps{grid-template-columns:1fr;gap:0;padding:8px 15px}.calculator-teaser-steps li{padding:12px 0;flex-direction:row;align-items:center;gap:12px}.calculator-teaser-steps li+li{border-top:1px solid #e5edf5}.calculator-teaser .button{width:100%;font-size:.75rem}.calculator-main-number{font-size:2.8rem}}