:root{
  --navy:#0B2545; --navy2:#13315C; --orange:#E8703A; --orange2:#F4A261;
  --green:#2E9E5B; --amber:#E9B949; --red:#D1495B; --ink:#1b2733;
  --grey:#F2F4F7; --line:#D0D5DD; --muted:#667085; --white:#fff;
}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:#eef1f5}
header{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;
  padding:18px 26px;display:flex;align-items:center;gap:14px;flex-wrap:wrap}
header .logo{display:flex;align-items:center;gap:10px}
header .mark{width:34px;height:34px;border-radius:7px;background:var(--orange);
  display:flex;align-items:center;justify-content:center;font-weight:800}
header h1{font-size:18px;margin:0;letter-spacing:.3px}
header .sub{font-size:12px;color:#b9c6da;margin-top:2px}
header .meta{margin-left:auto;font-size:12px;color:#b9c6da;text-align:right}
nav{display:flex;gap:2px;background:var(--navy2);padding:0 18px}
nav button{background:none;border:none;color:#c3d0e4;padding:13px 18px;font-size:14px;
  font-weight:600;cursor:pointer;border-bottom:3px solid transparent}
nav button.active{color:#fff;border-bottom-color:var(--orange)}
main{max-width:1120px;margin:0 auto;padding:22px 18px 60px}
.panel{display:none} .panel.active{display:block}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;
  box-shadow:0 1px 2px rgba(16,24,40,.05)}
.row{display:flex;gap:18px;flex-wrap:wrap}
.col{flex:1;min-width:280px}
label{display:block;font-size:12px;font-weight:600;color:var(--muted);margin:12px 0 5px}
select,input{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;
  font-size:14px;background:#fff}
.btn{background:var(--orange);color:#fff;border:none;border-radius:8px;padding:11px 18px;
  font-size:14px;font-weight:700;cursor:pointer;margin-top:14px}
.btn.ghost{background:#fff;color:var(--navy);border:1px solid var(--navy)}
.btn[disabled]{opacity:.6;cursor:not-allowed}
h2{font-size:16px;margin:0 0 4px} h3{font-size:13px;color:var(--muted);
  text-transform:uppercase;letter-spacing:.6px;margin:0 0 10px}
.gauge-wrap{display:flex;flex-direction:column;align-items:center;justify-content:center}
.score{font-size:52px;font-weight:800;line-height:1;color:var(--navy)}
.score small{font-size:18px;color:var(--muted);font-weight:600}
.tier{display:inline-block;margin-top:8px;padding:5px 14px;border-radius:20px;
  font-weight:700;font-size:13px;color:#fff}
.bars{margin-top:6px}
.bar{margin:11px 0}
.bar .t{display:flex;justify-content:space-between;font-size:13px;font-weight:600;margin-bottom:4px}
.bar .track{height:9px;background:var(--grey);border-radius:6px;overflow:hidden}
.bar .fill{height:100%;border-radius:6px}
.snapshot{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:14px}
.snap{background:var(--grey);border-radius:9px;padding:11px;text-align:center}
.snap .v{font-size:18px;font-weight:800;color:var(--navy)} .snap .l{font-size:10.5px;color:var(--muted);margin-top:3px}
.pill{display:inline-block;font-size:11px;font-weight:700;padding:2px 9px;border-radius:12px}
.pill.prov{background:#FEF0C7;color:#B54708} .pill.high{background:#D1FADF;color:#027A48}
.kv{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px dashed var(--line);font-size:13px}
.kv b{color:var(--navy)}
table{width:100%;border-collapse:collapse;font-size:13px}
th,td{padding:9px 10px;border-bottom:1px solid var(--line);text-align:center}
th{background:var(--navy);color:#fff;position:sticky;top:0;cursor:pointer;font-size:12px}
td.l,th.l{text-align:left} tr:hover td{background:#f8fafc}
.filters{display:flex;gap:10px;flex-wrap:wrap;align-items:end;margin-bottom:12px}
.filters>div{min-width:150px}
.note{font-size:12px;color:var(--muted);margin-top:14px;line-height:1.5}
.cta{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;border-radius:12px;
  padding:18px 20px;margin-top:16px;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.cta h2{color:#fff} .cta p{margin:4px 0 0;color:#c3d0e4;font-size:13px}
.est{font-size:12px;font-style:italic;color:#B54708}
ul.take{margin:6px 0 0;padding-left:20px} ul.take li{margin:6px 0;font-size:14px;line-height:1.5}
.why{background:var(--grey);border-left:3px solid var(--orange);border-radius:6px;
  padding:10px 12px;margin:12px 0;font-size:13.5px;line-height:1.55}
.croster{display:flex;flex-direction:column;gap:10px;margin-top:6px}
.crow{display:flex;gap:10px;align-items:flex-start}
.dot{width:10px;height:10px;border-radius:50%;margin-top:5px;flex:none}
.cst{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.4px}
.chip{display:inline-block;font-size:10px;font-weight:700;padding:1px 6px;border-radius:10px;margin-left:4px}
.chip.out{background:#FEE4E2;color:#B42318} .chip.in{background:#D1FADF;color:#027A48}
.savings{font-size:34px;font-weight:800;color:var(--green)}
@media(max-width:640px){.snapshot{grid-template-columns:repeat(2,1fr)}}

/* ---- lead capture modal (P1 addition; not in reference build) ---- */
.modal-backdrop{position:fixed;inset:0;background:rgba(11,37,69,.55);display:flex;
  align-items:center;justify-content:center;padding:18px;z-index:50}
.modal-backdrop[hidden]{display:none}
.modal{position:relative;width:100%;max-width:420px;max-height:90vh;overflow:auto}
.modal-x{position:absolute;top:10px;right:12px;background:none;border:none;font-size:26px;
  line-height:1;color:var(--muted);cursor:pointer}