.lic-calculator-wrapper{--lic-navy:#0b2545;--lic-navy-dark:#061529;--lic-navy-light:#12345f;--lic-teal:#0f8b8d;--lic-teal-dark:#0c6f70;--lic-gold:#d4a017;--lic-gold-light:#f0c75e;--lic-border:#e2e8f0;--lic-bg-soft:#f7f9fc;--lic-text:#1a2b3c;--lic-text-muted:#64748b;--lic-danger:#d63638;--lic-danger-bg:#fdf1f1;max-width:1040px;margin:32px auto;padding:0;background:#fff;border-radius:18px;box-shadow:0 1px 3px rgb(15 23 42 / .06),0 20px 48px -18px rgb(11 37 69 / .28);overflow:hidden;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--lic-text);box-sizing:border-box;border:1px solid rgb(11 37 69 / .06)}.lic-calculator-wrapper *,.lic-calculator-wrapper *::before,.lic-calculator-wrapper *::after{box-sizing:border-box}.lic-calc-header{background:linear-gradient(135deg,var(--lic-navy-light) 0%,var(--lic-navy) 55%,var(--lic-navy-dark) 100%);padding:34px 40px 28px;position:relative;overflow:hidden}.lic-calc-header::after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:linear-gradient(90deg,var(--lic-gold) 0%,var(--lic-gold-light) 50%,var(--lic-gold) 100%)}.lic-calc-header::before{content:"";position:absolute;top:-60%;right:-8%;width:320px;height:320px;background:radial-gradient(circle,rgb(212 160 23 / .16) 0%,#fff0 70%);pointer-events:none}.lic-calc-title{margin:0 0 8px 0;font-size:25px;line-height:1.3;font-weight:800;color:#fff;padding-right:110px;letter-spacing:-.01em;position:relative}.lic-calc-badge{position:absolute;top:34px;right:40px;background:rgb(212 160 23 / .16);color:var(--lic-gold-light);border:1px solid rgb(212 160 23 / .45);font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:6px 12px;border-radius:999px;white-space:nowrap}.lic-calc-subtitle{margin:0;font-size:14.5px;color:rgb(255 255 255 / .75);position:relative;max-width:560px}.lic-calc-trust-row{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:16px;position:relative}.lic-calc-trust-item{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:600;color:rgb(255 255 255 / .85)}.lic-calc-trust-item span[aria-hidden]{color:var(--lic-gold-light);font-size:12px}.lic-calculator-form{padding:34px 40px 10px}.lic-calc-fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:22px;margin-bottom:8px}.lic-calc-field{display:flex;flex-direction:column;position:relative}.lic-calc-field label{display:flex;align-items:center;gap:6px;font-size:13px;font-weight:700;color:var(--lic-navy);margin-bottom:9px;letter-spacing:.01em}.lic-calc-field-icon{font-size:14px;line-height:1;opacity:.85}.lic-calc-field label .required{color:var(--lic-danger);font-weight:700}.lic-calc-input{width:100%;padding:13px 15px;font-size:15px;font-family:inherit;font-weight:600;color:var(--lic-text);background:var(--lic-bg-soft);border:1.5px solid var(--lic-border);border-radius:9px;transition:border-color 0.15s ease,box-shadow 0.15s ease,background 0.15s ease;appearance:none;-webkit-appearance:none}select.lic-calc-input{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='10' height='6'><path d='M0 0l5 6 5-6z' fill='%2364748b'/></svg>");background-repeat:no-repeat;background-position:right 15px center;padding-right:36px}.lic-calc-input:hover{border-color:#cbd5e1}.lic-calc-input:focus{outline:none;border-color:var(--lic-gold);background:#fff;box-shadow:0 0 0 4px rgb(212 160 23 / .16)}.lic-calc-input::placeholder{color:#9aa7b8;font-weight:400}.lic-calc-phone-wrap{display:flex;align-items:stretch;border:1.5px solid var(--lic-border);border-radius:9px;background:var(--lic-bg-soft);overflow:hidden;transition:border-color 0.15s ease,box-shadow 0.15s ease,background 0.15s ease}.lic-calc-phone-wrap:hover{border-color:#cbd5e1}.lic-calc-phone-wrap:focus-within{border-color:var(--lic-gold);background:#fff;box-shadow:0 0 0 4px rgb(212 160 23 / .16)}.lic-calc-phone-prefix{display:flex;align-items:center;padding:0 12px;font-size:15px;font-weight:700;color:var(--lic-text);background:rgb(0 0 0 / .04);border-right:1.5px solid var(--lic-border);user-select:none}.lic-calc-phone-input.lic-calc-input{border:none;border-radius:0;background:#fff0;flex:1}.lic-calc-phone-input.lic-calc-input:focus{box-shadow:none}.lic-calc-hint{margin-top:7px;font-size:12px;color:var(--lic-text-muted);font-weight:500}.lic-calc-quick-amounts{display:flex;flex-wrap:wrap;gap:6px;margin-top:9px}.lic-calc-quick-chip{font-family:inherit;font-size:12px;font-weight:700;color:var(--lic-navy);background:#fff;border:1.5px solid var(--lic-border);padding:5px 12px;border-radius:999px;cursor:pointer;transition:border-color 0.15s ease,background 0.15s ease,color 0.15s ease}.lic-calc-quick-chip:hover{border-color:var(--lic-gold)}.lic-calc-quick-chip.is-active{background:var(--lic-navy);border-color:var(--lic-navy);color:#fff}.lic-calc-field-checkbox{justify-content:center}.lic-calc-checkbox-label{display:flex!important;align-items:center;gap:10px;margin-bottom:0!important;padding:13px 15px;background:var(--lic-bg-soft);border:1.5px solid var(--lic-border);border-radius:9px;cursor:pointer;font-size:13.5px;font-weight:600;color:var(--lic-text);transition:border-color 0.15s ease,background 0.15s ease}.lic-calc-checkbox-label:hover{border-color:#cbd5e1}.lic-calc-checkbox{width:18px;height:18px;flex-shrink:0;accent-color:var(--lic-gold);cursor:pointer}.lic-calc-checkbox-icon{font-size:15px;line-height:1;flex-shrink:0}.lic-calc-field-riders{grid-column:1 / -1;margin-top:4px}.lic-calc-riders-heading{display:flex;align-items:center;gap:8px;font-size:13.5px;font-weight:700;color:var(--lic-navy);margin-bottom:12px}.lic-calc-riders-optional{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--lic-text-muted);background:var(--lic-bg-soft);border:1px solid var(--lic-border);padding:2px 8px;border-radius:999px}.lic-calc-riders-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px}.lic-calc-rider-chip{position:relative;display:flex;align-items:center;gap:10px;padding:13px 40px 13px 14px;background:var(--lic-bg-soft);border:1.5px solid var(--lic-border);border-radius:10px;cursor:pointer;font-size:13px;font-weight:600;color:var(--lic-text);transition:border-color 0.15s ease,background 0.15s ease,box-shadow 0.15s ease,transform 0.1s ease}.lic-calc-rider-chip:hover{border-color:var(--lic-gold);transform:translateY(-1px)}.lic-calc-rider-checkbox{position:absolute;opacity:0;width:0;height:0}.lic-calc-rider-icon{font-size:16px;line-height:1;flex-shrink:0}.lic-calc-rider-text{line-height:1.35}.lic-calc-rider-check{position:absolute;right:12px;top:50%;transform:translateY(-50%) scale(.4);width:18px;height:18px;border-radius:50%;background:var(--lic-gold);color:#fff;font-size:11px;display:flex;align-items:center;justify-content:center;opacity:0;transition:opacity 0.15s ease,transform 0.15s ease}.lic-calc-rider-chip:has(.lic-calc-rider-checkbox:checked){background:rgb(212 160 23 / .1);border-color:var(--lic-gold);box-shadow:0 0 0 3px rgb(212 160 23 / .12)}.lic-calc-rider-chip:has(.lic-calc-rider-checkbox:checked) .lic-calc-rider-check{opacity:1;transform:translateY(-50%) scale(1)}.lic-calc-rider-chip:has(.lic-calc-rider-checkbox:focus-visible){outline:2px solid var(--lic-gold);outline-offset:2px}.lic-calc-actions{text-align:center;margin:26px 0 22px}.lic-calc-button{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:linear-gradient(135deg,var(--lic-navy-light) 0%,var(--lic-navy) 100%);color:#fff;border:none;border-bottom:3px solid var(--lic-gold);padding:15px 48px;font-size:16px;font-weight:700;letter-spacing:.01em;border-radius:999px;cursor:pointer;box-shadow:0 10px 24px -10px rgb(11 37 69 / .55);transition:transform 0.15s ease,box-shadow 0.15s ease,opacity 0.15s ease}.lic-calc-button:hover{transform:translateY(-1px);box-shadow:0 12px 28px -10px rgb(11 37 69 / .65)}.lic-calc-button:active{transform:translateY(0)}.lic-calc-button:disabled{background:#cbd5e1;border-bottom-color:#fff0;box-shadow:none;cursor:not-allowed;transform:none;opacity:.8}.lic-calc-message{margin:4px 0 20px;padding:13px 16px;border-radius:8px;font-size:13.5px;line-height:1.5}.lic-calc-message.lic-calc-error{background:var(--lic-danger-bg);border-left:3px solid var(--lic-danger);color:var(--lic-danger)}.lic-calc-loader{text-align:center;padding:40px 20px 48px}.lic-calc-spinner{width:42px;height:42px;margin:0 auto 16px;border:3px solid var(--lic-border);border-top:3px solid var(--lic-gold);border-radius:50%;animation:lic-spin 0.8s linear infinite}.lic-calc-loader p{margin:0;font-size:14px;color:var(--lic-text-muted)}@keyframes lic-spin{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}.lic-calc-results{margin:0 40px 34px;padding:26px 28px 22px;background:var(--lic-bg-soft);border:1px solid var(--lic-border);border-radius:14px;animation:lic-fade-in 0.35s ease}@keyframes lic-fade-in{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}.lic-calc-results-title{display:flex;align-items:center;gap:9px;margin:0 0 20px 0;font-size:17px;font-weight:800;color:var(--lic-navy)}.lic-calc-results-icon{display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;background:var(--lic-gold);color:#fff;border-radius:50%;font-size:12px;flex-shrink:0}.lic-calc-tables{display:grid;grid-template-columns:repeat(auto-fit,minmax(420px,1fr));gap:18px;align-items:start}.lic-calc-hero{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px;margin-bottom:20px}.lic-calc-hero-card{background:#fff;border:1px solid var(--lic-border);border-radius:12px;padding:16px 18px;display:flex;flex-direction:column;gap:4px;box-shadow:0 2px 8px -4px rgb(11 37 69 / .1)}.lic-calc-hero-label{font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--lic-text-muted)}.lic-calc-hero-value{font-size:22px;font-weight:800;color:var(--lic-navy);letter-spacing:-.01em}.lic-calc-hero-sub{font-size:11.5px;color:var(--lic-text-muted);font-weight:500}.lic-calc-hero-card-primary{background:linear-gradient(135deg,var(--lic-navy-light) 0%,var(--lic-navy) 100%);border-color:#fff0}.lic-calc-hero-card-primary .lic-calc-hero-label,.lic-calc-hero-card-primary .lic-calc-hero-sub{color:rgb(255 255 255 / .7)}.lic-calc-hero-card-primary .lic-calc-hero-value{color:#fff}.lic-calc-hero-card-gold{background:linear-gradient(135deg,#fdf6e3 0%,#fbecc4 100%);border-color:rgb(212 160 23 / .35)}.lic-calc-hero-card-gold .lic-calc-hero-label{color:#9a7412}.lic-calc-hero-card-gold .lic-calc-hero-value{color:#7a5b0e}.lic-calc-hero-card-gold .lic-calc-hero-sub{color:#9a7412}.lic-calc-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--lic-border);border-radius:12px;overflow:hidden;font-size:13.5px;box-shadow:0 2px 8px -4px rgb(11 37 69 / .1)}.lic-calc-table thead tr:first-child th{background:linear-gradient(135deg,var(--lic-navy-light) 0%,var(--lic-navy) 100%);color:#fff;font-size:13px;font-weight:700;text-align:left;padding:11px 16px;letter-spacing:.01em}.lic-calc-table-note{font-weight:500;opacity:.75;font-size:11.5px;margin-left:4px}.lic-calc-table thead tr:nth-child(2) th{background:var(--lic-bg-soft);color:var(--lic-text-muted);font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.03em;padding:9px 16px;border-bottom:1px solid var(--lic-border)}.lic-calc-table tbody td{padding:11px 16px;border-top:1px solid var(--lic-border);color:var(--lic-text);vertical-align:top}.lic-calc-table tbody tr:hover td{background:var(--lic-bg-soft)}.lic-calc-num{text-align:right;white-space:nowrap}.lic-calc-muted{color:var(--lic-text-muted);font-weight:400}.lic-calc-subtext{font-size:11.5px;color:var(--lic-text-muted);font-weight:400;margin-top:2px}.lic-calc-row-highlight td{background:rgb(212 160 23 / .1);border-top:1.5px solid var(--lic-gold);color:var(--lic-navy)}.lic-calc-row-highlight:hover td{background:rgb(212 160 23 / .16)}.lic-calc-row-warning td{background:rgb(212 160 23 / .1);border-top:1px solid rgb(212 160 23 / .35)}.lic-calc-tag{display:inline-block;padding:3px 10px;border-radius:999px;font-size:11.5px;font-weight:700;letter-spacing:.02em}.lic-calc-tag-yes{background:rgb(212 160 23 / .16);color:#9a7412}.lic-calc-tag-no{background:#eef1f5;color:var(--lic-text-muted)}.lic-calc-rider-list{display:flex;flex-wrap:wrap;gap:6px;justify-content:flex-end}.lic-calc-disclaimer{margin:20px 0 0;font-size:11.5px;line-height:1.6;color:var(--lic-text-muted)}.lic-calc-table-full{grid-column:1 / -1}.lic-calc-info{margin:0 40px 32px}.lic-calc-info-toggle{width:100%;display:flex;align-items:center;gap:10px;background:var(--lic-bg-soft);border:1px solid var(--lic-border);border-radius:12px;padding:15px 18px;font-family:inherit;font-size:14px;font-weight:700;color:var(--lic-navy);cursor:pointer;text-align:left;transition:border-color 0.15s ease,background 0.15s ease}.lic-calc-info-toggle:hover{border-color:var(--lic-gold)}.lic-calc-info-toggle-icon{font-size:16px}.lic-calc-info-toggle span:nth-child(2){flex:1}.lic-calc-info-chevron{font-size:11px;color:var(--lic-text-muted);transition:transform 0.2s ease}.lic-calc-info-toggle[aria-expanded="true"] .lic-calc-info-chevron{transform:rotate(180deg)}.lic-calc-info-panel{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;padding:20px 4px 4px}.lic-calc-info-item h5{margin:0 0 6px;font-size:13.5px;font-weight:700;color:var(--lic-navy)}.lic-calc-info-item p{margin:0;font-size:12.5px;line-height:1.6;color:var(--lic-text-muted)}@media (max-width:900px){.lic-calculator-wrapper{max-width:100%}.lic-calc-tables{grid-template-columns:1fr}}@media (max-width:600px){.lic-calculator-wrapper{margin:16px 8px;border-radius:14px}.lic-calc-header{padding:24px 20px 20px}.lic-calc-title{font-size:20px;padding-right:0}.lic-calc-badge{position:static;display:inline-block;margin:8px 0 4px}.lic-calculator-form{padding:24px 20px 6px}.lic-calc-fields{grid-template-columns:1fr}.lic-calc-riders-grid{grid-template-columns:1fr}.lic-calc-results{margin:0 16px 24px;padding:20px 16px 16px}.lic-calc-button{width:100%;padding:14px 20px}.lic-calc-table{font-size:12.5px}.lic-calc-table thead tr:first-child th,.lic-calc-table thead tr:nth-child(2) th,.lic-calc-table tbody td{padding:8px 10px}.lic-calc-hero{grid-template-columns:1fr 1fr}.lic-calc-hero-value{font-size:18px}.lic-calc-info{margin:0 16px 24px}.lic-calc-info-panel{grid-template-columns:1fr}}