.mscalc-page{background:#eef2f7;min-height:100vh}.mscalc-hero{background:#0d1c36;color:#fff;padding:64px 0}.mscalc-hero .section-tag{color:#ff5a00;font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase}.mscalc-hero h1{font-size:clamp(44px,5vw,72px);line-height:1.02;letter-spacing:-.045em;margin:14px 0 18px}.mscalc-hero h1 span{color:#ff5a00;font-family:Georgia,serif;font-weight:400}.mscalc-hero p{max-width:720px;color:#c4cede;font-size:17px}.mscalc-layout{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(340px,.65fr);gap:26px;padding:48px 0 78px;align-items:start}.mscalc-column{display:grid;gap:22px}.mscalc-card{background:#fff;border:1px solid #d0d8e4;border-radius:8px;padding:28px;box-shadow:0 12px 30px rgba(13,28,54,.07)}.mscalc-card h2{font-size:24px;margin:0 0 6px}.mscalc-card>p{color:#657086;font-size:15px;margin:0 0 24px}.mscalc-levels{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:0 0 24px}.mscalc-levels button{display:grid;grid-template-rows:18px 20px 18px;align-content:center;gap:5px;text-align:left;padding:16px;min-height:108px;border:1px solid #bdc9d8;background:#fff;color:#122546;cursor:pointer}.mscalc-levels button span{font-weight:800}.mscalc-levels button small{color:#66758a}.mscalc-levels button.active{background:#122546;color:#fff;border-color:#122546;box-shadow:inset 0 -3px #ff5a00}.mscalc-levels button.active small{color:rgba(255,255,255,.7)}.mscalc-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}.mscalc-field{display:grid;grid-template-rows:minmax(22px,auto) 46px minmax(16px,auto);align-content:start;gap:6px;font-size:14px;font-weight:700}.mscalc-field.full{grid-column:1/-1}.mscalc-field input,.mscalc-field select{width:100%;height:46px;border:1px solid #bdc9d8;border-radius:4px;padding:11px;background:#fff;font:inherit}.mscalc-field input:focus,.mscalc-field select:focus{outline:3px solid rgba(46,92,170,.18);border-color:#3567b5}.mscalc-field small{min-height:16px;color:#66758a;font-size:12px;font-weight:400;line-height:16px}.mscalc-host-toggle{display:flex;justify-content:space-between;gap:20px;align-items:center}.mscalc-host-toggle h2{margin:0}.mscalc-host-toggle p{margin:4px 0 0;color:#657086}.mscalc-host-toggle label{display:flex;gap:8px;align-items:center;font-weight:700}.mscalc-host-fields{margin-top:22px}.mscalc-note{background:#edf3fb;padding:14px;font-size:13px;color:#274c7d;margin:15px 0}.mscalc-results{position:sticky;top:24px}.mscalc-results>.section-tag{color:#ff5a00;font-size:12px;font-weight:800;letter-spacing:.14em}.mscalc-total{font-size:44px;color:#0d1c36;line-height:1;margin:16px 0 8px}.mscalc-total small{font-size:13px;color:#657086}.mscalc-annual{color:#657086;font-size:13px;margin-bottom:22px}.mscalc-lines{border-top:1px solid #d7dde6}.mscalc-line{display:flex;justify-content:space-between;gap:18px;padding:10px 0;border-bottom:1px solid #d7dde6;font-size:13px}.mscalc-line.strong{font-weight:800}.mscalc-line.provider{background:#edf3fb;color:#274c7d;margin:0 -8px;padding:10px 8px}.mscalc-disclaimer{font-size:12px;color:#657086;line-height:1.55;margin:20px 0}.mscalc-quote{display:flex;justify-content:space-between;background:#ff5a00;color:#0d1c36;padding:14px 16px;font-weight:800;font-size:14px}.mscalc-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:10px}.mscalc-actions button{border:1px solid #abb8c8;background:#fff;padding:10px;cursor:pointer;font-weight:700}
@media(max-width:1050px){.mscalc-layout{grid-template-columns:1fr}.mscalc-results{position:static}}@media(max-width:760px){.mscalc-hero{padding:48px 0}.mscalc-fields,.mscalc-levels{grid-template-columns:1fr}.mscalc-field.full{grid-column:auto}.mscalc-host-toggle{align-items:flex-start}.mscalc-actions{grid-template-columns:1fr}}@media print{.mu-header,.mu-footer,.mscalc-hero,.mscalc-column,.mscalc-actions,.mscalc-quote{display:none!important}.mscalc-page{background:#fff}.mscalc-layout{display:block;padding:0}.mscalc-results{box-shadow:none;border:0}}
.mscalc-page [hidden]{display:none!important}
.mscalc-hero{padding:58px 0}.mscalc-hero h1{font-size:clamp(38px,4.4vw,64px);line-height:1.05;letter-spacing:-.03em;white-space:nowrap}.mscalc-hero p{max-width:1020px}
@media(max-width:1050px){.mscalc-hero h1{white-space:normal}}
.mscalc-quote{width:100%;border:0;cursor:pointer}.mscalc-request-form{display:grid;gap:12px;margin-top:16px;padding-top:16px;border-top:1px solid #d7dde6}.mscalc-request-form[hidden]{display:none!important}.mscalc-request-form label{display:grid;gap:5px;font-size:13px;font-weight:700}.mscalc-request-form input,.mscalc-request-form textarea{width:100%;padding:10px;border:1px solid #bdc9d8;border-radius:4px;font:inherit}.mscalc-submit{background:#122546;color:#fff;border:0;padding:13px;font-weight:800;cursor:pointer}.mscalc-notice{margin-top:28px}