:root { --ink: #162d3d; --cream: #f5f0e5; --paper: #fffdf8; --teal: #0d6b68; --gold: #e4a72c; --line: #d7d1c4; }
* { box-sizing: border-box; }
body { margin: 0; background: var(--cream); color: var(--ink); font-family: Arial, Helvetica, sans-serif; }
button, input { font: inherit; }
button { cursor: pointer; }
main { min-height: 100vh; display: grid; grid-template-columns: minmax(310px, .85fr) minmax(480px, 1.15fr); }
.intro { padding: clamp(42px, 7vw, 104px); background: var(--ink); color: white; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
.intro::after { content: ""; position: absolute; width: 340px; height: 340px; border: 70px solid rgba(228,167,44,.14); border-radius: 50%; right: -180px; bottom: -150px; }
.eyebrow { color: #f1bf55; font-size: 12px; font-weight: 800; letter-spacing: .2em; margin-bottom: 30px; }
h1 { margin: 0; font-family: Georgia, serif; font-size: clamp(48px, 6vw, 84px); font-weight: 500; line-height: .96; letter-spacing: -.045em; }
.intro > p { max-width: 430px; font-size: 18px; line-height: 1.6; color: #cdd9df; margin: 30px 0 44px; }
.rate-note { border-left: 3px solid var(--gold); padding-left: 18px; max-width: 390px; line-height: 1.45; color: #dce6eb; font-size: 14px; }
.rate-note > span:first-child { display: block; color: #f1bf55; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; font-size: 11px; margin-bottom: 5px; }
.calculator { padding: clamp(32px, 7vw, 90px); display: flex; flex-direction: column; justify-content: center; max-width: 760px; width: 100%; margin: auto; }
.loading, .error { padding: 20px; border-radius: 6px; background: var(--paper); color: #617078; }
.error { color: #9f2f2f; }
.tabs { display: grid; grid-template-columns: repeat(2, 1fr); border-bottom: 1px solid var(--line); margin-bottom: 38px; }
.tabs button { border: 0; background: transparent; padding: 15px; color: #697780; font-weight: 700; border-bottom: 3px solid transparent; }
.tabs button.active { color: var(--teal); border-color: var(--teal); }
.field { display: flex; flex-direction: column; gap: 10px; margin-bottom: 26px; font-size: 13px; font-weight: 800; letter-spacing: .025em; }
input { width: 100%; border: 1px solid var(--line); border-radius: 6px; background: var(--paper); padding: 15px 16px; color: var(--ink); outline: none; }
input:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(13,107,104,.12); }
.choice-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.choice-row.three-choices { grid-template-columns: repeat(3, 1fr); }
.choice-row button { min-height: 62px; border: 1px solid var(--line); border-radius: 6px; background: var(--paper); color: var(--ink); font-weight: 800; }
.choice-row button.selected { border: 2px solid var(--teal); color: var(--teal); background: #f1faf8; }
.choice-row small { display: block; font-weight: 500; font-size: 11px; margin-top: 4px; color: #687a7b; }
.fixed-term > div { padding: 14px 16px; border: 1px solid var(--line); border-left: 4px solid var(--teal); border-radius: 6px; background: var(--paper); }
.fixed-term strong { display: block; font-size: 14px; }
.fixed-term strong + strong { margin-top: 10px; padding-top: 10px; border-top: 1px solid var(--line); }
.fixed-term strong > span { display: block; margin-bottom: 2px; color: var(--teal); font-size: 9px; letter-spacing: .08em; text-transform: uppercase; }
.fixed-term small { display: block; margin-top: 4px; color: #728087; font-weight: 500; letter-spacing: 0; }
.coverage { margin: 4px 0 26px; }
.coverage-heading { display: flex; align-items: end; justify-content: space-between; gap: 20px; margin-bottom: 13px; }
.section-kicker { display: block; color: var(--teal); font-size: 9px; font-weight: 900; letter-spacing: .14em; margin-bottom: 4px; }
.coverage h2 { margin: 0; font-family: Georgia, serif; font-size: 24px; font-weight: 500; }
.coverage-count { color: #738087; font-size: 11px; font-weight: 700; }
.coverage-list { border: 1px solid var(--line); border-radius: 8px; overflow: hidden; background: rgba(255,253,248,.68); }
.coverage-columns, .coverage-item { display: grid; grid-template-columns: minmax(180px, 1fr) 68px 60px 72px; gap: 10px; align-items: center; }
.coverage-columns { padding: 8px 14px; background: #ebe6da; color: #6a777e; font-size: 9px; font-weight: 900; letter-spacing: .06em; text-transform: uppercase; }
.coverage-columns span:not(:first-child) { text-align: right; }
.coverage-item { padding: 11px 14px; border-bottom: 1px solid var(--line); }
.coverage-item:last-child { border-bottom: 0; }
.coverage-item.fee-row { background: #f1eee6; }
.coverage-detail { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.coverage-detail strong { font-size: 13px; }
.coverage-detail span { color: #6d7a81; font-size: 11px; }
.coverage-value, .coverage-amount { text-align: right; font-size: 12px; }
.coverage-value { color: #637178; }
.coverage-amount { color: var(--teal); font-size: 13px; }
.receipt { border-top: 1px solid var(--line); }
.receipt .total { display: flex; justify-content: space-between; gap: 20px; margin-top: 8px; align-items: baseline; color: var(--ink); font-weight: 800; padding: 18px 2px 15px; }
.receipt .total strong { font-family: Georgia, serif; font-size: 42px; font-weight: 500; color: var(--teal); }
@media (max-width: 820px) { main { grid-template-columns: 1fr; } .intro { min-height: 430px; } .calculator { padding-top: 45px; padding-bottom: 60px; } }
@media (max-width: 560px) {
  .intro, .calculator { padding-left: 24px; padding-right: 24px; }
  .receipt .total strong { font-size: 34px; }
  .coverage-columns { display: none; }
  .coverage-item { grid-template-columns: 1fr auto; gap: 5px 14px; }
  .coverage-detail { grid-row: span 3; }
  .coverage-value::before, .coverage-amount::before { content: attr(data-label) ": "; color: #77838a; font-weight: 500; }
  .tabs button { padding: 13px 5px; font-size: 12px; }
  .choice-row.three-choices { grid-template-columns: 1fr; }
}
@media print {
  @page { size: landscape; margin: 0; }
  body { print-color-adjust: exact; -webkit-print-color-adjust: exact; }
  main { width: 11in; min-height: 8.5in; grid-template-columns: 4.3in 6.7in; }
  .intro { padding: .75in; }
  .calculator { padding: .55in .7in; }
  h1 { font-size: 58px; }
  .intro > p { margin: 24px 0 32px; }
  .field { margin-bottom: 18px; }
}