/* Shared consumer navigation, lead modals, and legal accreditation. */
html { scroll-behavior: smooth; }
[id] { scroll-margin-top: 96px; }
.nav { position: relative; }
.site-nav-toggle {
  display: none; border: 1px solid var(--gray-300); background: #fff; color: var(--gray-900);
  border-radius: 8px; padding: 8px 12px; font: inherit; font-weight: 700; cursor: pointer;
}
.site-nav-links { display: flex; align-items: center; gap: 8px; }
.nav-item { position: relative; }
.nav-trigger {
  border: 0; background: transparent; cursor: pointer; padding: 8px 10px; border-radius: 8px; color: var(--gray-700);
  font: inherit; font-size: .9rem; font-weight: 650; white-space: nowrap;
}
.nav-trigger::after { content: "⌄"; margin-left: 7px; color: var(--gray-500); }
.nav-item.is-open > .nav-trigger, .nav-trigger:hover, .nav-trigger:focus-visible { background: var(--blue-light); color: var(--blue); }
.dropdown-menu {
  position: absolute; top: 100%; left: 0; z-index: 1000; width: min(330px, 88vw); pointer-events: none;
  padding: 8px; border: 1px solid var(--gray-200); border-radius: 12px; background: #fff;
  box-shadow: 0 14px 32px rgba(17,24,39,.16); display: grid; gap: 3px;
  opacity: 0; visibility: hidden; transform: translateY(5px);
  transition: opacity 160ms ease, transform 160ms ease, visibility 0s linear 160ms;
}
.dropdown-menu.is-open { opacity: 1; pointer-events: auto; visibility: visible; transform: translateY(0); transition-delay: 0s; }
.nav-pillar-menu a { display: block; padding: 9px 10px; border-radius: 8px; color: var(--gray-800); font-size: .9rem; }
.nav-pillar-menu a:hover { background: #F8FAFC; color: #4338CA; text-decoration: none; }
.nav-pillar-menu a { cursor: pointer; }
.nav-pillar-menu a small { display: block; color: var(--gray-500); font-size: .74rem; font-weight: 400; }
.imc-lead-actions {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin: 32px auto 48px;
  padding: 14px; max-width: 760px; border: 1px solid var(--gray-200); border-radius: 14px; background: #fff;
}
.imc-sponsor-banner {
  box-sizing: border-box; display: flex; align-items: center; justify-content: space-between; gap: 24px;
  width: calc(100% - 32px); max-width: 960px; margin: 48px auto; padding: 40px 32px;
  border: none; border-radius: 16px; color: #ffffff;
  background: linear-gradient(135deg, #5B4DF5 0%, #4F46E5 100%);
  box-shadow: 0 12px 28px -6px rgba(91, 77, 245, 0.35);
}
.imc-sponsor-banner h2 { margin: 12px 0 8px; max-width: 760px; color: #ffffff; font-size: 26px; font-weight: 800; line-height: 1.2; }
.imc-sponsor-banner p { margin: 0; color: rgba(255, 255, 255, 0.9); font-size: 15px; line-height: 1.5; }
.imc-sponsor-banner .imc-sponsor-eyebrow { display: inline-block; margin: 0; padding: 4px 14px; border-radius: 9999px; background: rgba(255, 255, 255, 0.2); color: #ffffff; font-size: 11px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; opacity: 1; }
.imc-sponsor-banner button { flex: 0 0 auto; padding: 12px 24px; border: none; border-radius: 8px; color: #4F46E5; background: #ffffff; font: inherit; font-size: 14px; font-weight: 700; cursor: pointer; box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15); transition: transform 0.15s ease, box-shadow 0.15s ease; }
.imc-sponsor-banner button:hover { transform: translateY(-1px); box-shadow: 0 7px 16px rgba(0, 0, 0, 0.2); }
.imc-lead-actions p { width: 100%; text-align: center; margin: 0; color: var(--gray-700); font-weight: 650; }
.imc-action-button { border: 0; border-radius: 999px; padding: 11px 18px; background: var(--blue); color: #fff; font: inherit; font-weight: 700; cursor: pointer; }
.imc-action-button:hover { background: var(--blue-dark); }
.imc-action-button.secondary { color: var(--blue); background: var(--blue-light); border: 1px solid #c7d2fe; }
.imc-action-button.secondary:hover { background: #e0e7ff; }
.imc-modal { position: fixed; inset: 0; z-index: 99999; box-sizing: border-box; width: 100vw; height: 100vh; max-width: none; max-height: none; margin: 0; padding: 24px 16px; border: 0; overflow: auto; background: rgba(30, 27, 75, 0.45); backdrop-filter: blur(6px); }
.imc-modal[open] { display: flex; align-items: center; justify-content: center; }
.imc-modal::backdrop { background: transparent; }
.imc-modal-card { position: relative; box-sizing: border-box; margin: auto; width: 100%; max-width: 520px; max-height: calc(100vh - 48px); overflow-y: auto; background: #FFFFFF; border-radius: 20px; padding: 32px 28px; box-shadow: 0 20px 40px -15px rgba(109, 40, 217, 0.2); border: 1px solid #EDE9FE; }
.imc-modal-header { display: flex; align-items: flex-start; justify-content: space-between; gap: 14px; margin-bottom: 10px; }
.imc-modal-header h2 { margin: 0; font-size: clamp(1.25rem, 5vw, 1.6rem); line-height: 1.2; }
.imc-modal-close { width: 38px; height: 38px; flex: 0 0 38px; border: 1px solid var(--gray-200); border-radius: 50%; background: #fff; color: var(--gray-700); font-size: 1.3rem; cursor: pointer; }
.imc-modal-intro { margin: 0 0 18px; color: var(--gray-600); font-size: .93rem; }
.imc-form-grid { display: grid; gap: 14px; }
.imc-modal label, .imc-modal legend { color: var(--gray-800); font-size: .88rem; font-weight: 700; }
.modal-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 20px 0; background: #F8FAFC; border: 1px solid #E2E8F0; border-radius: 12px; padding: 16px; }
.imc-modal .form-group { display: flex; flex-direction: column; gap: 8px; min-width: 0; }
.imc-modal .form-group label { font-size: 13px; font-weight: 600; color: #1E1B4B; margin: 0; }
.imc-modal .form-group input, .imc-modal .form-group input[type="text"], .imc-modal .form-group input[type="email"], .imc-modal .form-group input[type="tel"] { width: 100% !important; box-sizing: border-box !important; height: 44px !important; border: 1.5px solid #CBD5E1 !important; border-radius: 8px !important; padding: 0 12px !important; font-size: 14px !important; background: #F8FAFC !important; margin: 0 !important; }
.imc-modal .form-group input:focus { outline: none !important; border-color: #7C3AED !important; box-shadow: 0 0 0 3px rgba(124, 58, 237, 0.15) !important; background: #FFFFFF !important; }
.imc-modal input[type="text"], .imc-modal input[type="email"], .imc-modal input[type="tel"], .imc-modal input[type="number"], .imc-modal select, .imc-modal textarea {
  box-sizing: border-box; display: block; width: 100%; height: 44px; margin-top: 6px; border: 1.5px solid #CBD5E1; border-radius: 8px; padding: 0 12px; font-size: 14px; background: #fff; color: var(--gray-900); font-family: inherit;
}
.imc-modal textarea { height: auto; min-height: 88px; padding-top: 10px; }
.imc-modal input:focus, .imc-modal select:focus, .imc-modal textarea:focus { outline: none; border-color: #7C3AED; box-shadow: 0 0 0 3px rgba(124, 58, 237, 0.15); }
.imc-modal fieldset { margin: 0; padding: 0; border: 0; }
.imc-pill-options { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 8px; }
.imc-pill { position: relative; }
.imc-pill input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.imc-pill span { display: inline-flex; align-items: center; min-height: 42px; padding: 8px 13px; border: 1px solid var(--gray-300); border-radius: 999px; background: #fff; color: var(--gray-700); font-size: .83rem; font-weight: 650; cursor: pointer; }
.imc-pill input:checked + span { border-color: var(--blue); background: var(--blue-light); color: var(--blue-dark); box-shadow: 0 0 0 1px var(--blue) inset; }
.imc-pill input:focus-visible + span { outline: 3px solid #a5b4fc; outline-offset: 2px; }
.imc-consent { display: flex; align-items: flex-start; gap: 10px; padding: 12px; border: 1px solid var(--gray-200); border-radius: 12px; background: #f9fafb; font-size: .79rem !important; line-height: 1.5; font-weight: 450 !important; }
.imc-consent input { width: 18px; height: 18px; flex: 0 0 18px; margin-top: 2px; accent-color: var(--blue); }
.imc-modal-submit { width: 100%; margin-top: 12px; border: none; border-radius: 10px; background: linear-gradient(135deg, #7C3AED 0%, #6366F1 100%); color: #FFFFFF; font: inherit; font-size: 15px; font-weight: 700; padding: 14px 24px; cursor: pointer; box-shadow: 0 4px 14px rgba(124, 58, 237, 0.35); }
.imc-modal-submit:hover { filter: brightness(.96); }
.imc-modal-submit:disabled { opacity: .55; cursor: wait; }
.imc-modal-note, .imc-modal-status { color: var(--gray-600); font-size: .78rem; line-height: 1.5; }
.imc-modal-status { min-height: 1.3em; margin: 8px 0 0; }
.imc-gate-card { padding: 16px; border-radius: 14px; background: #eff6ff; border: 1px solid #bfdbfe; }
.imc-gate-card h3 { margin: 0 0 8px; font-size: 1.08rem; }
.imc-gate-card p { margin: 0 0 12px; color: var(--gray-700); font-size: .88rem; }
.imc-scenario-card { margin: 10px 0 14px; padding: 14px; border: 1px solid var(--gray-200); border-radius: 14px; background: #f9fafb; }
.imc-scenario-card h3 { margin: 0 0 10px; font-size: 1rem; }
.imc-scenario-list { display: grid; gap: 8px; margin: 0; }
.imc-scenario-row { display: grid; grid-template-columns: minmax(0,1fr) minmax(110px, .8fr); gap: 10px; align-items: center; font-size: .83rem; }
.imc-scenario-row span { color: var(--gray-600); }
.imc-scenario-row input { margin: 0 !important; padding: 7px 9px !important; }
.imc-edit-scenario { margin: 12px 0; padding: 8px 12px; border: 1px solid var(--gray-300); border-radius: 999px; background: #fff; color: var(--blue); font: inherit; font-size: .82rem; font-weight: 700; cursor: pointer; }
.imc-legal-accreditations { border-top: 1px solid #374151; padding: 20px 0 0; margin-top: 8px; color: #d1d5db; font-size: .77rem; line-height: 1.65; }
.imc-legal-accreditations p { margin: 0 0 10px; }
.imc-eho { display: inline-flex; gap: 8px; align-items: center; font-weight: 700; color: #f3f4f6; }
.imc-eho svg { width: 28px; height: 28px; flex: 0 0 28px; fill: none; stroke: currentColor; stroke-width: 1.8; }
.imc-legal-accreditations a { color: #c7d2fe; text-decoration: underline; }
.imc-library-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px,1fr)); gap: 16px; }
.imc-library-card { background: #fff; border: 1px solid var(--gray-200); border-radius: 16px; padding: 18px; box-shadow: var(--shadow-sm); }
.imc-library-card h2 { margin: 0 0 8px; font-size: 1.05rem; }
.imc-library-card p { color: var(--gray-600); font-size: .9rem; margin: 0 0 12px; }
.imc-library-status { color: var(--gray-500); font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; }
.imc-library-status.specialized-status { display: inline-block; background: #EDE9FE; color: #6D28D9; font-size: 11px; font-weight: 700; padding: 4px 10px; border-radius: 9999px; }
.calc-active-btn { display: inline-block; margin-top: 12px; background: linear-gradient(135deg, #7C3AED 0%, #6366F1 100%); color: #fff; font-weight: 600; padding: 8px 16px; border-radius: 8px; border: none; cursor: pointer; }
.calc-active-btn:hover { filter: brightness(.95); }
.newsletter-section, .imc-newsletter-card {
  box-sizing: border-box; width: calc(100% - 32px); max-width: 960px; margin: 40px auto;
  background: #F8FAFC; border: 1px solid #E2E8F0; color: #1E293B; border-radius: 16px;
  padding: 36px 24px; box-shadow: 0 4px 6px -1px rgba(0,0,0,0.05); text-align: center;
}
.newsletter-card { margin: 48px auto 40px !important; }
.newsletter-section h2, .imc-newsletter-card h2 { color: #0F172A; }
.newsletter-section p, .imc-newsletter-card p { color: #64748B; opacity: 1; }
.newsletter-section .newsletter-form button, .imc-newsletter-card .newsletter-form button, .imc-newsletter-card button[type="submit"] {
  background: linear-gradient(135deg, #7C3AED 0%, #6366F1 100%); color: #FFFFFF; font-weight: 600; border-radius: 8px;
}
.newsletter-section .newsletter-form button:hover, .imc-newsletter-card .newsletter-form button:hover, .imc-newsletter-card button[type="submit"]:hover { filter: brightness(.94); }
.core-calculator-grid { box-sizing: border-box; display: grid; grid-template-columns: 1fr 1fr; gap: 36px; width: calc(100% - 32px); max-width: 1040px; margin: -48px auto 48px; padding: 36px; position: relative; z-index: 10; background: #FFFFFF; border-radius: 24px; box-shadow: 0 20px 40px -15px rgba(91, 77, 245, 0.12); }
.core-calculator-inputs { min-width: 0; padding: 0 !important; border: 0 !important; background: #fff; }
.core-calculator-inputs input[type="number"], .core-calculator-inputs select { box-sizing: border-box; width: 140px; max-width: 100%; height: 42px; border: 1.5px solid #E2E8F0; border-radius: 8px; padding: 0 12px; background: #F8FAFC; text-align: right; color: #1E293B; }
.core-calculator-inputs input:focus, .core-calculator-inputs select:focus { outline: none; border-color: #7C3AED; box-shadow: 0 0 0 3px rgba(124, 58, 237, 0.15); }
.imc-calculator .core-calculator-inputs .form-group input, .imc-calculator .core-calculator-inputs .form-group select { box-sizing: border-box; width: 140px; max-width: 100%; height: 42px; padding: 0 12px; border: 1.5px solid #E2E8F0; border-radius: 8px; background: #F8FAFC; text-align: right; color: #1E293B; }
.imc-calculator .core-calculator-inputs .form-group input:focus, .imc-calculator .core-calculator-inputs .form-group select:focus { outline: none; border-color: #7C3AED; box-shadow: 0 0 0 3px rgba(124, 58, 237, 0.15); }
.core-calculator-results { min-width: 0; padding: 24px !important; border-radius: 16px !important; background: #5B4DF5 !important; border: 0 !important; color: #FFFFFF; }
.core-calculator-results h2, .core-calculator-results .imc-result-label, .core-calculator-results .imc-result-detail, .core-calculator-results .result-big .label, .core-calculator-results .result-big .sub { color: rgba(255,255,255,.88) !important; }
.core-calculator-results .imc-result-value, .core-calculator-results .result-big .amount { color: #FFFFFF !important; font-size: 34px !important; font-weight: 800 !important; }
.core-calculator-results .imc-result-card, .core-calculator-results .result-stat, .core-calculator-results .pie-legend-list li, .core-calculator-results .legend-list li { border-color: rgba(255,255,255,.22) !important; color: #FFFFFF; }
.core-calculator-results .imc-callout { background: rgba(255,255,255,.15); color: #fff; }
.core-calculator-grid .calc-inputs, .core-calculator-grid .calc-results { border: 0; }
.imc-calculator .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 36px; }
.imc-calculator .calc-inputs, .imc-calculator .calc-results { padding: 0; border-radius: 0; background: transparent; border: 0; }
.imc-calculator .form-group { margin-bottom: 14px; }
.imc-calculator .form-group label { display: block; margin-bottom: 5px; font-weight: 700; font-size: .88rem; }
.imc-calculator .form-group input, .imc-calculator .form-group select { width: 100%; padding: 11px 12px; border: 1px solid var(--gray-300); border-radius: 9px; font: inherit; background: #fff; }
.imc-result-card { padding: 14px 0; border-bottom: 1px solid var(--gray-200); }
.imc-result-card:last-child { border-bottom: 0; }
.imc-result-label { display: block; color: var(--gray-600); font-size: .82rem; }
.imc-result-value { display: block; margin-top: 2px; color: var(--gray-900); font-size: clamp(1.35rem, 4vw, 1.8rem); font-weight: 800; line-height: 1.2; }
.imc-result-detail { color: var(--gray-600); font-size: .82rem; }
.imc-callout { margin-top: 14px; padding: 12px 14px; border-radius: 10px; background: #eff6ff; color: #1e3a8a; font-size: .84rem; }
.imc-print-only { display: none; }
@media (max-width: 900px) {
  .nav { justify-content: space-between; }
  .site-nav-toggle { display: inline-flex; align-items: center; gap: 8px; }
  .site-nav-links { display: none; position: absolute; top: calc(100% + 1px); left: 0; right: 0; z-index: 110; max-height: calc(100dvh - 72px); overflow-y: auto; padding: 12px 16px 18px; border-bottom: 1px solid var(--gray-200); background: #fff; box-shadow: 0 12px 20px rgba(17,24,39,.12); align-items: stretch; flex-direction: column; gap: 4px; }
  .site-nav-links.is-open { display: flex; }
  .nav-trigger { width: 100%; text-align: left; padding: 12px; border: 1px solid var(--gray-200); border-radius: 10px; }
  .dropdown-menu { position: static; width: auto; margin: 5px 0 8px; box-shadow: none; border: 0; padding: 2px 5px 4px 14px; transform: none; }
  .imc-sponsor-banner { align-items: stretch; flex-direction: column; }
  .imc-sponsor-banner button { width: 100%; }
  .imc-calculator .calc-grid { grid-template-columns: 1fr; }
  .modal-form-grid { grid-template-columns: 1fr; }
  .core-calculator-grid, .imc-calculator .calc-grid { grid-template-columns: 1fr; gap: 24px; padding: 24px; margin-top: -32px; }
}
@media (max-width: 520px) {
  .nav { height: 58px; gap: 8px; }
  .nav-logo { font-size: 1rem; }
  .imc-lead-actions { margin-left: 12px; margin-right: 12px; }
  .imc-lead-actions .imc-action-button { width: 100%; }
  .imc-scenario-row { grid-template-columns: 1fr; gap: 4px; }
}
@media (max-width: 480px) { .modal-form-grid { grid-template-columns: 1fr; } }
@media print {
  .site-header, .site-footer, .agent-banner, .imc-lead-actions, .imc-modal, button, form, .newsletter-section { display: none !important; }
  body, main, .main-content { background: #fff !important; color: #000 !important; }
  .imc-print-only { display: block !important; }
  .imc-calculator .calc-grid { grid-template-columns: 1fr 1fr !important; }
}

/* Shared calculator shell: white two-column card overlapping the brand hero. */
.page-hero { background: #5B4DF5 !important; color: #fff; }
.page-hero h1, .page-hero p, .hp-hero-text h1, .hp-hero-text p { color: #fff; }
.calculator-container { margin-top: 0; margin-bottom: 0; padding: 0 0 8px; }
.calculator-container > .container { max-width: 1072px; }
.calculator-container > .container > .calc-card { margin: 0; padding: 0; background: transparent; border-radius: 0; box-shadow: none; overflow: visible; }
.imc-calculator.calc-card { margin: 0; padding: 0; background: transparent; border-radius: 0; box-shadow: none; overflow: visible; }
.core-calculator-results .imc-result-label { display: block; }
.core-calculator-results .imc-result-card { padding: 14px 0; }
.core-calculator-results .pie-legend-list .label, .core-calculator-results .pie-legend-list .value,
.core-calculator-results .legend-list .legend-label, .core-calculator-results .legend-list .legend-val { color: #fff !important; }
.core-calculator-results .pie-legend-list li, .core-calculator-results .legend-list li { border-bottom: 1px solid rgba(255,255,255,.22); }
.hp-hero { background: #5B4DF5 !important; padding-bottom: 64px; }
.hp-calc-wrap { background: transparent !important; border-radius: 0 !important; margin-top: 0 !important; box-shadow: none !important; overflow: visible !important; }
.hp-calc-wrap > div:first-child { padding: 0 !important; }
.hp-calc-wrap .core-calculator-grid { margin: -48px auto 48px; }
.hp-calc-wrap .core-calculator-inputs { padding: 0 0 16px !important; }
.hp-calc-wrap .core-calculator-results { padding: 24px !important; }
.hp-calc-wrap .core-calculator-inputs .form-row input[type="number"] { width: 140px; height: 42px; border: 1.5px solid #E2E8F0; border-radius: 8px; padding: 0 12px; background: #F8FAFC; text-align: right; color: #1E293B; }
.hp-calc-wrap .core-calculator-inputs .form-row input[type="number"]:focus { outline: none; border-color: #7C3AED; box-shadow: 0 0 0 3px rgba(124, 58, 237, 0.15); }
.imc-newsletter-card.newsletter-card { margin: 48px auto 40px !important; }
.calculator-container .core-calculator-grid { margin-top: -48px; }
.calculator-container .core-calculator-inputs .form-row input[type="number"] { height: 42px; border: 1.5px solid #E2E8F0; border-radius: 8px; padding: 0 12px; background: #F8FAFC; text-align: right; color: #1E293B; }
.calculator-container .core-calculator-inputs .form-row input[type="number"]:focus { outline: none; border-color: #7C3AED; box-shadow: 0 0 0 3px rgba(124, 58, 237, 0.15); }
@media (max-width: 767px) {
  .core-calculator-grid { grid-template-columns: 1fr; gap: 24px; padding: 24px; margin-top: -28px; }
  .hp-calc-wrap .core-calculator-grid { margin-top: -28px; }
  .calculator-container .core-calculator-grid { margin-top: -28px; }
  .imc-modal-card { padding: 24px 18px; }
}