:root {
  --navy: #0B3F8C; --navy-deep: #072A5E; --red: #D7141E; --red-hover: #B80F18;
  --sky: #EEF3FB; --sky-2: #DCE6F5; --line: #D5DEEC; --ink: #16233A; --muted: #5A6A85; --paper: #FFFFFF;
  --disp: 'Montserrat', system-ui, sans-serif; --body: 'Inter', system-ui, sans-serif;
}
* { box-sizing: border-box; }
body { margin: 0; background: var(--sky); color: var(--ink); font: 17px/1.55 var(--body); }
.est { max-width: 1120px; margin: 0 auto; padding: 32px 16px 120px; }
.est__head h1 { font: 800 clamp(28px, 5vw, 44px)/1.08 var(--disp); color: var(--navy-deep); margin: 10px 0 6px; overflow-wrap: anywhere; }
.est__lede { color: var(--muted); margin: 0 0 24px; }
.ribbon { display: inline-block; margin: 0; background: var(--red); color: #fff; font: 800 11px/1 var(--disp); letter-spacing: .16em; text-transform: uppercase;
  padding: 7px 18px; clip-path: polygon(10px 0, calc(100% - 10px) 0, 100% 50%, calc(100% - 10px) 100%, 10px 100%, 0 50%); }
.est__grid { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 24px; align-items: start; }
.est__main { background: var(--paper); border-radius: 16px; padding: 24px; box-shadow: 0 8px 28px rgba(7, 42, 94, .08); }
.progress { height: 8px; background: var(--sky-2); border-radius: 99px; overflow: hidden; margin-bottom: 20px; }
.progress span { display: block; height: 100%; width: 5%; background: var(--navy); transition: width .25s ease; }
.step__title { font: 800 24px/1.2 var(--disp); color: var(--navy-deep); margin: 0 0 16px; outline: none; }
.field { margin: 0 0 18px; }
.field label, .field legend { display: block; font-weight: 600; margin-bottom: 8px; }
.field input[type=text], .field input[type=email], .field input[type=tel], .field input[type=month] {
  width: 100%; min-height: 48px; padding: 10px 14px; border: 1.5px solid var(--line); border-radius: 8px; font: inherit; color: inherit; background: #fff; }
.field input:focus-visible { outline: 3px solid rgba(11, 63, 140, .35); border-color: var(--navy); }
fieldset { border: 0; padding: 0; margin: 0; }
.choices { display: flex; flex-wrap: wrap; gap: 8px; }
.choices legend { width: 100%; }
.choice { position: relative; display: inline-flex; flex-direction: column; justify-content: center; min-height: 48px; padding: 10px 16px;
  border: 1.5px solid var(--line); border-radius: 8px; cursor: pointer; font-weight: 500; background: #fff; }
.choice input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.choice:has(input:checked) { border-color: var(--navy); background: var(--sky); box-shadow: inset 0 0 0 1px var(--navy); }
.choice:has(input:focus-visible) { outline: 3px solid rgba(11, 63, 140, .35); }
.choices--cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); }
.choices--cards .choice { min-height: 96px; padding: 16px; }
.choice__label { font-weight: 700; }
.choice__blurb { color: var(--muted); font-size: 14px; font-weight: 400; margin-top: 4px; }
.consent { display: flex !important; gap: 10px; align-items: center; min-height: 48px; font-weight: 500 !important; }
.consent input { width: 22px; height: 22px; margin-top: 2px; flex: none; }
.has-error input[type=text], .has-error input[type=email], .has-error input[type=tel], .has-error input[type=month], .has-error .choice { border-color: var(--red); }
.field__error { color: var(--red); font-size: 14px; margin: 6px 0 0; }
.notice { background: var(--sky); border-left: 4px solid var(--navy); padding: 10px 14px; border-radius: 0 8px 8px 0; margin: 0 0 16px; }
.step__nav, .result__actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 8px; }
.est .btn { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 0 22px; border-radius: 8px; border: 2px solid var(--navy);
  background: #fff; color: var(--navy); font: 700 16px var(--disp); text-decoration: none; cursor: pointer; }
.est .btn--primary { background: var(--red); border-color: var(--red); color: #fff; }
.est .btn--primary:hover { background: var(--red-hover); border-color: var(--red-hover); }
.est .btn:disabled { opacity: .6; cursor: progress; }
.step__status { min-height: 1.5em; color: var(--muted); margin: 10px 0 0; }
.turnstile { margin: 8px 0 12px; min-height: 65px; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; opacity: 0; }
.est__preview { position: sticky; top: 24px; background: var(--navy-deep); color: #fff; border-radius: 16px; padding: 20px; }
.preview__label { margin: 0; font: 800 11px/1 var(--disp); letter-spacing: .16em; text-transform: uppercase; color: #C9D6EE; }
.preview__value { margin: 10px 0 6px; font: 800 26px/1.15 var(--disp); }
.preview__note { margin: 0; font-size: 14px; color: #DCE6F5; }
.est__bar { display: none; }
.eyebrow { margin: 0; font: 800 12px/1 var(--disp); letter-spacing: .16em; text-transform: uppercase; color: var(--muted); }
.result__title { font: 800 28px/1.15 var(--disp); color: var(--navy-deep); margin: 8px 0; outline: none; }
.result__rate { font: 800 30px/1.1 var(--disp); color: var(--navy); margin: 0; }
.result__monthly { font-weight: 600; font-size: 19px; margin: 6px 0 0; }
.result__items { width: 100%; border-collapse: collapse; margin: 18px 0; }
.result__items td { padding: 10px 0; border-bottom: 1px solid var(--line); vertical-align: top; }
.result__items td.amt { text-align: right; white-space: nowrap; padding-left: 12px; }
.result__disclaimer, .result__sent { color: var(--muted); font-size: 14px; }
.is-complete .est__preview, .is-complete .est__bar { display: none; }
@media (max-width: 860px) {
  .est__grid { grid-template-columns: 1fr; }
  .est__preview { display: none; }
  .est__bar { display: flex; position: fixed; left: 0; right: 0; bottom: 0; justify-content: space-between; align-items: center; gap: 12px;
    padding: 12px 16px; background: var(--navy-deep); color: #fff; font-size: 14px; z-index: 10; }
  .est__bar strong { font: 800 18px var(--disp); }
  .est__main { padding: 18px 16px; }
  .result__rate { font-size: 24px; }
}
@media (prefers-reduced-motion: reduce) { .progress span { transition: none; } }