/* ==== USA MBS Pricing Calculator — scoped styles ==== */
.mbs-calc-app{
  font-family:'Plus Jakarta Sans',system-ui,sans-serif;
  color:var(--text-1);
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
  background-color:var(--bg);
  background-image:
    radial-gradient(circle at 12% -5%,var(--primary-soft-2),transparent 45%),
    radial-gradient(circle at 90% 8%,var(--primary-soft),transparent 40%);
}
.mbs-calc-app,
.mbs-calc-app *,
.mbs-calc-app *::before,
.mbs-calc-app *::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --primary:#027159;
  --primary-dark:#015B47;
  --primary-darker:#014536;
  --primary-soft:#EAF6F2;
  --primary-soft-2:#DDF0EA;
  --primary-border:rgba(2,113,89,.22);
  --primary-ring:rgba(2,113,89,.14);

  --white:#FFFFFF;
  --bg:#F4F8F7;
  --surface:#FFFFFF;
  --surface-2:#F8FBFA;

  --text-1:#000000;
  --text-2:#2D2D2D;
  --text-3:#707070;
  --border:#D9E4E1;
  --input-bg:#FFFFFF;
  --error:#DC2626;
  --error-soft:#FEF2F2;
  --success:#027159;
  --success-soft:#EAF6F2;

  --r:14px;--r-md:11px;--r-sm:9px;--r-xs:6px;
  --shadow-sm:0 1px 2px rgba(0,0,0,.05);
  --shadow:0 4px 14px rgba(0,0,0,.06),0 1px 3px rgba(0,0,0,.05);
  --shadow-lg:0 18px 50px rgba(0,0,0,.16),0 6px 18px rgba(0,0,0,.08);
  --shadow-btn:0 6px 18px rgba(2,113,89,.28);
}
.mbs-calc-app /* LAYOUT */
.wrap{max-width:600px;margin:0 auto;padding:44px 16px 64px}
@media(min-width:640px){.mbs-calc-app .wrap{padding:60px 24px 84px}}

.mbs-calc-app /* HEADER */
.hdr{text-align:center;margin-bottom:26px}
.mbs-calc-app .hdr-tag{display:inline-flex;align-items:center;gap:7px;padding:5px 14px;border-radius:100px;background:var(--white);border:1px solid var(--border);box-shadow:var(--shadow-sm);font-size:.68rem;font-weight:700;color:var(--primary);letter-spacing:.04em;text-transform:uppercase;margin-bottom:16px}
.mbs-calc-app .hdr-tag .dot{width:6px;height:6px;border-radius:50%;background:var(--primary);animation:blink 2s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.25}}
.mbs-calc-app .hdr h1{font-size:clamp(1.55rem,5vw,2.15rem);font-weight:800;letter-spacing:-.025em;line-height:1.12;color:var(--text-1);margin-bottom:10px}
.mbs-calc-app .hdr h1 em{font-style:normal;color:var(--primary)}
.mbs-calc-app .hdr p{font-size:.9rem;color:var(--text-2);max-width:440px;margin:0 auto}

.mbs-calc-app /* BACK */
.back-wrap{height:0;overflow:hidden;opacity:0;transition:height .3s,opacity .25s}
.mbs-calc-app .back-wrap.on{height:38px;opacity:1}
.mbs-calc-app .back-btn{display:inline-flex;align-items:center;gap:5px;font-size:.8rem;font-weight:600;color:var(--text-3);background:none;border:none;font-family:inherit;cursor:pointer;padding:0;margin-bottom:14px;transition:color .2s}
.mbs-calc-app .back-btn:hover{color:var(--primary)}
.mbs-calc-app .back-btn svg{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

.mbs-calc-app /* OPTIONS */
.opt-stage{animation:cardIn .5s ease both}
@keyframes cardIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
.mbs-calc-app .opt-label{font-size:.72rem;font-weight:700;color:var(--text-3);text-transform:uppercase;letter-spacing:.06em;text-align:center;margin-bottom:14px}
.mbs-calc-app .opts{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:460px){.mbs-calc-app .opts{grid-template-columns:1fr;gap:12px}}
.mbs-calc-app .opt{background:var(--surface);border:1.5px solid var(--border);border-radius:var(--r);padding:24px 18px 18px;cursor:pointer;transition:border-color .2s,box-shadow .25s,transform .2s;text-align:center;box-shadow:var(--shadow)}
.mbs-calc-app .opt:hover{border-color:var(--primary);transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.mbs-calc-app .opt.on{border-color:var(--primary);background:var(--primary-soft)}
.mbs-calc-app .opt-ic{width:48px;height:48px;border-radius:var(--r-md);margin:0 auto 13px;display:flex;align-items:center;justify-content:center;background:var(--primary-soft);transition:background .2s}
.mbs-calc-app .opt.on .opt-ic{background:var(--primary)}
.mbs-calc-app .opt-ic svg{width:23px;height:23px;stroke:var(--primary);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;transition:stroke .2s}
.mbs-calc-app .opt.on .opt-ic svg{stroke:#fff}
.mbs-calc-app .opt h4{font-size:.95rem;font-weight:700;margin-bottom:4px;color:var(--text-1)}
.mbs-calc-app .opt p{font-size:.76rem;color:var(--text-3);line-height:1.4}
.mbs-calc-app .opt-tag{display:inline-block;margin-top:13px;padding:4px 14px;border-radius:100px;font-size:.64rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;background:var(--surface-2);border:1px solid var(--border);color:var(--text-3);transition:all .2s}
.mbs-calc-app .opt.on .opt-tag{background:var(--primary);border-color:var(--primary);color:#fff}

.mbs-calc-app /* FORM PANEL */
.fpanel{max-height:0;overflow:hidden;opacity:0;transition:max-height .55s ease,opacity .35s ease,margin .35s ease;margin-top:0}
.mbs-calc-app .fpanel.on{max-height:2200px;opacity:1;margin-top:18px}
.mbs-calc-app .fcard{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow)}
.mbs-calc-app .fcard-top{padding:17px 20px;background:var(--primary);display:flex;align-items:center;gap:12px}
.mbs-calc-app .fcard-top .fi{width:36px;height:36px;border-radius:var(--r-sm);background:rgba(255,255,255,.14);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.mbs-calc-app .fcard-top .fi svg{width:18px;height:18px;stroke:#fff;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.mbs-calc-app .fcard-top h3{color:#fff;font-size:.96rem;font-weight:700;letter-spacing:-.01em}
.mbs-calc-app .fcard-top span{color:rgba(255,255,255,.6);font-size:.74rem;font-weight:400}
.mbs-calc-app .fbody{padding:20px}
@media(min-width:640px){.mbs-calc-app .fbody{padding:26px 28px 28px}}

.mbs-calc-app /* STEP BAR */
.steps-bar{display:flex;align-items:flex-start;gap:0;margin-bottom:24px}
.mbs-calc-app .step-col{display:flex;flex-direction:column;align-items:center;min-width:60px}
.mbs-calc-app .step-dot{width:32px;height:32px;border-radius:50%;border:2px solid var(--border);background:var(--surface);display:flex;align-items:center;justify-content:center;font-size:.74rem;font-weight:700;color:var(--text-3);transition:all .25s;flex-shrink:0}
.mbs-calc-app .step-dot.active{border-color:var(--primary);background:var(--primary);color:#fff;box-shadow:0 0 0 5px var(--primary-ring)}
.mbs-calc-app .step-dot.done{border-color:var(--primary);background:var(--primary);color:#fff}
.mbs-calc-app .step-dot svg{width:15px;height:15px;stroke:#fff;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;display:none}
.mbs-calc-app .step-dot.done svg{display:block}
.mbs-calc-app .step-dot.done .sn{display:none}
.mbs-calc-app .step-line{flex:1;height:2px;background:var(--border);margin-top:15px;transition:background .25s}
.mbs-calc-app .step-line.done{background:var(--primary)}
.mbs-calc-app .step-lbl{font-size:.66rem;font-weight:600;color:var(--text-3);margin-top:6px;white-space:nowrap}
.mbs-calc-app .step-lbl.active{color:var(--primary);font-weight:700}

.mbs-calc-app /* FIELDS */
.fld{margin-bottom:14px}
.mbs-calc-app .fld-in{position:relative}
.mbs-calc-app .fld input,.mbs-calc-app .fld select{width:100%;height:50px;padding:0 15px;border-radius:var(--r-md);border:1.5px solid var(--border);background:var(--input-bg);font-family:inherit;font-size:.9rem;font-weight:500;color:var(--text-1);outline:none;transition:border-color .2s,box-shadow .2s}
.mbs-calc-app .fld input::placeholder{color:var(--text-3);font-weight:400}
.mbs-calc-app .fld input:focus,.mbs-calc-app .fld select:focus{border-color:var(--primary);box-shadow:0 0 0 3px var(--primary-ring)}
.mbs-calc-app .fld input.err,.mbs-calc-app .fld select.err{border-color:var(--error);background:var(--error-soft)}
.mbs-calc-app .fld select{appearance:none;-webkit-appearance:none;cursor:pointer;padding-right:42px}
.mbs-calc-app .fld select.placeholder{color:var(--text-3);font-weight:400}
.mbs-calc-app .sel-wrap::after{content:"";position:absolute;right:17px;top:50%;width:9px;height:9px;border-right:2px solid var(--text-3);border-bottom:2px solid var(--text-3);transform:translateY(-65%) rotate(45deg);pointer-events:none;transition:border-color .2s}
.mbs-calc-app .sel-wrap:focus-within::after{border-color:var(--primary)}
.mbs-calc-app .fld-err{font-size:.7rem;color:var(--error);font-weight:600;margin-top:5px;display:none;align-items:center;gap:5px}
.mbs-calc-app .fld-err::before{content:"!";display:inline-flex;align-items:center;justify-content:center;width:14px;height:14px;border-radius:50%;background:var(--error);color:#fff;font-size:.6rem;font-weight:800;flex-shrink:0}
.mbs-calc-app .fld input.err ~ .fld-err,.mbs-calc-app .fld select.err ~ .fld-err{display:flex}
.mbs-calc-app .pfx{position:absolute;left:15px;top:50%;transform:translateY(-50%);font-size:.9rem;font-weight:600;color:var(--text-3);pointer-events:none}
.mbs-calc-app .has-pfx{padding-left:30px !important}
.mbs-calc-app .fld-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:460px){.mbs-calc-app .fld-row{grid-template-columns:1fr;gap:0}}

.mbs-calc-app /* BUSINESS HOURS NOTICE */
.hours{display:flex;align-items:center;gap:11px;padding:13px 15px;border-radius:var(--r-md);background:var(--primary-soft);border:1px solid var(--primary-border);margin:18px 0 4px}
.mbs-calc-app .hours svg{width:19px;height:19px;stroke:var(--primary);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
.mbs-calc-app .hours p{font-size:.76rem;color:var(--text-2);line-height:1.45}
.mbs-calc-app .hours p strong{color:var(--text-1);font-weight:700}

.mbs-calc-app /* STEP VIEWS */
.sv{display:none}
.mbs-calc-app .sv.on{display:block;animation:svIn .3s ease}
@keyframes svIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}

.mbs-calc-app /* BUTTONS */
.btn-row{margin-top:20px}
.mbs-calc-app .btn{width:100%;height:52px;border:none;border-radius:var(--r-md);font-family:inherit;font-size:.92rem;font-weight:700;cursor:pointer;transition:background .2s,box-shadow .2s,transform .15s;letter-spacing:.01em;display:flex;align-items:center;justify-content:center;gap:8px}
.mbs-calc-app .btn:active{transform:scale(.985)}
.mbs-calc-app .btn svg{width:17px;height:17px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.mbs-calc-app .btn-primary{background:var(--primary);color:#fff;box-shadow:var(--shadow-btn)}
.mbs-calc-app .btn-primary:hover{background:var(--primary-dark)}
.mbs-calc-app .btn-outline{background:var(--white);color:var(--text-2);border:1.5px solid var(--border)}
.mbs-calc-app .btn-outline:hover{border-color:var(--primary);color:var(--primary)}
.mbs-calc-app .btn-pair{display:grid;grid-template-columns:auto 1fr;gap:10px;margin-top:16px}
.mbs-calc-app .btn-pair .btn-outline{width:auto;padding:0 20px}

.mbs-calc-app /* ===== RESULT + THANK YOU CARD ===== */
.result{display:none;animation:cardIn .5s ease both}
.mbs-calc-app .result.on{display:block}
.mbs-calc-app .result-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--shadow-lg);overflow:hidden}
.mbs-calc-app .result-head{padding:34px 26px 26px;text-align:center;border-bottom:1px solid var(--border)}
@media(min-width:640px){.mbs-calc-app .result-head{padding:40px 36px 30px}}
.mbs-calc-app .result-chk{width:62px;height:62px;border-radius:50%;background:var(--success);margin:0 auto 16px;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(2,113,89,.32);animation:pop .55s cubic-bezier(.34,1.56,.64,1) both}
@keyframes pop{from{transform:scale(.4);opacity:0}to{transform:scale(1);opacity:1}}
.mbs-calc-app .result-chk svg{width:31px;height:31px;stroke:#fff;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
.mbs-calc-app .result-head h2{font-size:1.3rem;font-weight:800;color:var(--text-1);letter-spacing:-.015em}

.mbs-calc-app .result-body{padding:24px 22px 26px}
@media(min-width:640px){.mbs-calc-app .result-body{padding:28px 32px 30px}}

.mbs-calc-app /* hero result value */
.res-hero{background:var(--primary-soft);border:1px solid var(--primary-border);border-radius:var(--r-md);padding:18px 20px;text-align:center;margin-bottom:18px}
.mbs-calc-app .res-hero .lbl{font-size:.7rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--primary);margin-bottom:6px}
.mbs-calc-app .res-hero .val{font-size:2rem;font-weight:800;color:var(--text-1);line-height:1.1;letter-spacing:-.02em}
@media(min-width:640px){.mbs-calc-app .res-hero .val{font-size:2.3rem}}
.mbs-calc-app .res-hero .sub{font-size:.76rem;font-weight:600;color:var(--primary);margin-top:8px;display:none}
.mbs-calc-app .res-hero .sub.on{display:block}

.mbs-calc-app /* detail rows */
.res-rows{border:1px solid var(--border);border-radius:var(--r-md);overflow:hidden}
.mbs-calc-app .res-r{display:flex;justify-content:space-between;align-items:center;gap:14px;font-size:.86rem;padding:12px 16px;border-bottom:1px solid var(--border);background:var(--surface)}
.mbs-calc-app .res-r:nth-child(even){background:var(--surface-2)}
.mbs-calc-app .res-r:last-child{border-bottom:none}
.mbs-calc-app .res-r .lbl{color:var(--text-2);font-weight:500;flex-shrink:0}
.mbs-calc-app .res-r .val{color:var(--text-1);font-weight:700;text-align:right;word-break:break-word}

.mbs-calc-app /* thank you block */
.ty{margin-top:24px;padding-top:24px;border-top:1px dashed var(--border);text-align:center}
.mbs-calc-app .ty h3{font-size:1.12rem;font-weight:800;color:var(--primary);margin-bottom:10px;letter-spacing:-.01em}
.mbs-calc-app .ty p{font-size:.88rem;color:var(--text-2);line-height:1.65;max-width:420px;margin:0 auto}
.mbs-calc-app .ty-hours{margin-top:16px;display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border-radius:var(--r-sm);background:var(--surface-2);border:1px solid var(--border);font-size:.78rem;font-weight:600;color:var(--text-1)}
.mbs-calc-app .ty-hours svg{width:16px;height:16px;stroke:var(--primary);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
.mbs-calc-app .ty-note{margin-top:18px;font-size:.74rem;color:var(--text-3);line-height:1.55;font-style:italic;max-width:440px;margin-left:auto;margin-right:auto}

.mbs-calc-app /* start new quote action */
.result-actions{margin-top:24px;display:flex;justify-content:center}
.mbs-calc-app .start-btn{width:auto;min-width:240px;padding:0 28px}

.mbs-calc-app /* TRUST */
.trust{display:flex;gap:20px;justify-content:center;flex-wrap:wrap;margin-top:30px;padding-top:20px;border-top:1px solid var(--border)}
.mbs-calc-app .trust-i{display:flex;align-items:center;gap:6px;font-size:.7rem;color:var(--text-3);font-weight:600}
.mbs-calc-app .trust-i svg{width:15px;height:15px;fill:var(--primary)}

.mbs-calc-app .sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}