.strategy-hero{padding:64px 0 34px;background:linear-gradient(135deg,#eef6fb 0%,#fff 62%)}.strategy-hero h1{max-width:900px;margin:.35rem 0 .8rem;font-size:clamp(2.4rem,5vw,4.5rem);line-height:1.02;color:#08243e}.strategy-hero p{max-width:900px;font-size:1.13rem;line-height:1.7}.strategy-trust{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.strategy-trust span{padding:8px 12px;border-radius:999px;background:#fff;border:1px solid rgba(8,36,62,.12);font-weight:700;font-size:.9rem;color:#24445f}.strategy-search-card,.strategy-form-card{background:#fff;border:1px solid rgba(8,36,62,.12);border-radius:20px;padding:28px;box-shadow:0 16px 40px rgba(8,36,62,.08)}.strategy-search-row{display:flex;gap:12px;align-items:stretch}.strategy-address-wrap{position:relative;flex:1}.strategy-address-wrap input{width:100%;height:58px;border:1px solid #b8c9d8;border-radius:12px;padding:0 16px;font-size:1.05rem}.strategy-hint{margin:.75rem 0 0;color:#5a6e7e}.strategy-result-head{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;margin-bottom:24px}.strategy-result-head h2{font-size:clamp(2rem,4vw,3rem);margin:.25rem 0}.strategy-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.strategy-card{border:1px solid #d6e1e9;border-top:4px solid #2f6da5;border-radius:16px;padding:20px;background:#fff}.strategy-card.good{border-top-color:#16866b}.strategy-card.watch{border-top-color:#dc9411}.strategy-card.alert{border-top-color:#c94f42}.strategy-card h3{margin:.35rem 0 .5rem;font-size:1.1rem}.strategy-card p{margin:0;color:#52697b;line-height:1.55}.strategy-callout{margin-top:22px;padding:28px;border-radius:18px;background:#08243e;color:#fff}.strategy-callout h2{color:#fff}.strategy-summary-list{display:grid;gap:10px}.strategy-summary-item{display:flex;gap:10px;align-items:flex-start;padding:10px 0;border-top:1px solid rgba(255,255,255,.13)}.strategy-summary-item:first-child{border-top:0}.strategy-qgrid,.strategy-net-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.strategy-qgrid label,.strategy-net-grid label{display:grid;gap:7px;font-weight:700;color:#183953}.strategy-qgrid select,.strategy-net-grid input{min-height:48px;border:1px solid #bfd0dc;border-radius:10px;padding:10px 12px;background:#fff;font:inherit}.strategy-readiness-result{margin-top:20px;padding:20px;border-radius:14px;background:#eef6fb;display:grid;gap:6px}.strategy-readiness-result strong{font-size:1.15rem;color:#08243e}.strategy-net-split{align-items:stretch}.strategy-net-result{background:#08243e;color:#fff;border-radius:20px;padding:30px;display:flex;flex-direction:column;justify-content:center}.strategy-net-number{font-size:clamp(2.7rem,6vw,4.8rem);font-weight:800;letter-spacing:-.04em;margin:.35rem 0}.strategy-net-result p{color:#dce9f4}.strategy-net-result small{color:#b8ccdc;line-height:1.5}.strategy-convert-grid{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:start}.strategy-form-card textarea{width:100%}.strategy-results{padding-top:30px}.strategy-card .kicker{font-size:.75rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#496b84}@media(max-width:860px){.strategy-grid,.strategy-qgrid,.strategy-net-grid,.strategy-convert-grid{grid-template-columns:1fr}.strategy-search-row{flex-direction:column}.strategy-result-head{flex-direction:column}.strategy-search-row .btn{width:100%}.strategy-hero{padding-top:42px}}

/* ---- v31.38 additions ---- */
.strategy-insurance{margin-top:22px;padding:24px;border-radius:16px;background:#fff;border:1px solid rgba(8,36,62,.12)}
.strategy-insurance h3{margin:.35rem 0 .5rem;font-size:1.2rem;color:#08243e}
.strategy-insurance>p{margin:0 0 14px;color:#41596c}
.strategy-insurance-list{display:grid;gap:10px}
.strategy-insurance-item{padding:12px 14px;border-radius:12px;background:#f4f8fb;border-left:4px solid #2f6da5;line-height:1.55;color:#22394c}
.strategy-insurance-item.hi{border-left-color:#dc9411;background:#fff8ec}
.strategy-insurance-item.good{border-left-color:#16866b;background:#eefaf5}
.strategy-insurance-actions{display:flex;gap:10px;flex-wrap:wrap;margin:16px 0 10px;align-items:center}
.strategy-insurance-actions .btn,.strategy-insurance-actions .btn-outline{margin-top:0}
.strategy-insurance small,.strategy-form-card small{display:block;color:#5a6e7e;line-height:1.5}
.strategy-two-col{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px;margin-top:26px}
.strategy-two-col>*{min-width:0}
.strategy-net-grid input{width:100%;min-width:0;box-sizing:border-box}
.strategy-two-col h3{margin:.35rem 0 .45rem;font-size:1.2rem;color:#08243e}
.strategy-two-col .strategy-net-grid-2{grid-template-columns:1fr 1fr}
.strategy-carry-result{margin-top:16px;padding:16px 18px;border-radius:14px;background:#08243e;color:#fff}
.strategy-carry-number{font-size:clamp(1.8rem,4vw,2.6rem);font-weight:800;letter-spacing:-.03em}
.strategy-carry-result p{margin:.3rem 0 0;color:#dce9f4}
.strategy-compare-inputs{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:12px 0}
.strategy-compare-inputs label{display:grid;gap:6px;font-weight:700;color:#183953;font-size:.9rem}
.strategy-compare-inputs input{min-height:44px;min-width:0;width:100%;border:1px solid #bfd0dc;border-radius:10px;padding:8px 10px;font:inherit}
.strategy-compare-table{overflow-x:auto;margin-bottom:10px}
.strategy-compare-table table{width:100%;border-collapse:collapse;font-size:.95rem}
.strategy-compare-table th,.strategy-compare-table td{padding:9px 8px;border-bottom:1px solid #e1e9ef;text-align:right;white-space:nowrap}
.strategy-compare-table th[scope=row]{text-align:left;white-space:normal;color:#41596c;font-weight:700}
.strategy-compare-table thead th{color:#08243e}
.strategy-compare-table td.best{font-weight:800;color:#16866b}
.strategy-muted{color:#5a6e7e;font-size:.92rem}
.strategy-snapshot-card{display:grid;grid-template-columns:1.1fr 1fr;gap:30px;align-items:center;padding:30px;border-radius:20px;background:#08243e;color:#fff}
.strategy-snapshot-card h2{color:#fff;margin:.35rem 0 .6rem}
.strategy-snapshot-card p{color:#dce9f4;line-height:1.65}
.strategy-snapshot-card form,.strategy-snapshot-done{background:#fff;color:#183953;border-radius:16px;padding:22px}
.strategy-snapshot-card form .consent,.strategy-snapshot-card form p{color:#41596c}
.strategy-snapshot-done strong{display:block;font-size:1.15rem;color:#08243e}
.strategy-snapshot-done small{color:#5a6e7e}
.strategy-snapshot-status{margin:.6rem 0 0;font-weight:700}
.strategy-check{display:flex!important;gap:10px;align-items:flex-start;font-weight:600;line-height:1.4;cursor:pointer}
.strategy-check input{width:20px;height:20px;margin-top:2px;flex:0 0 auto}
.snapshot-report{display:none}
@media(max-width:860px){.strategy-two-col,.strategy-snapshot-card{grid-template-columns:minmax(0,1fr)}.strategy-snapshot-card{padding:22px}.strategy-two-col .strategy-form-card{padding:20px}}
@media(max-width:480px){.strategy-two-col .strategy-net-grid-2,.strategy-compare-inputs{grid-template-columns:1fr}}

.strategy-compare-cards{display:none}
@media(max-width:600px){.strategy-compare-table table{display:none}.strategy-compare-cards{display:grid;gap:10px}
.strategy-compare-card{border:1px solid #d6e1e9;border-radius:12px;padding:12px 14px;background:#fff}
.strategy-compare-card.best{border-color:#16866b;box-shadow:inset 4px 0 0 #16866b}
.strategy-compare-price{font-weight:800;color:#08243e;margin-bottom:6px}
.strategy-compare-row{display:flex;justify-content:space-between;gap:10px;padding:4px 0;border-top:1px solid #eef2f5;font-size:.95rem;color:#41596c}
.strategy-compare-row b{color:#08243e;white-space:nowrap}.strategy-compare-card.best .strategy-compare-row:first-of-type b{color:#16866b}}
/* Printable snapshot: only the report prints while body.snapshot-printing is set */
@media print{
  body.snapshot-printing>*:not(main),body.snapshot-printing main>*:not(#snapshot-report){display:none!important}
  body.snapshot-printing{background:#fff!important}
  body.snapshot-printing #snapshot-report{display:block!important;color:#111;font:11pt/1.45 system-ui,-apple-system,Segoe UI,Roboto,sans-serif}
  #snapshot-report header{display:flex;justify-content:space-between;border-bottom:2px solid #08243e;padding-bottom:8px;margin-bottom:12px}
  #snapshot-report h2{font-size:13pt;color:#08243e;margin:14px 0 6px;break-after:avoid}
  #snapshot-report section{break-inside:avoid}
  #snapshot-report table{width:100%;border-collapse:collapse;margin:4px 0 8px}
  #snapshot-report th,#snapshot-report td{border-bottom:1px solid #ccc;padding:4px 6px;text-align:left;vertical-align:top}
  #snapshot-report .big{font-size:20pt;font-weight:800;margin:4px 0}
  #snapshot-report footer{margin-top:16px;padding-top:8px;border-top:1px solid #999;font-size:9pt;color:#333;overflow-wrap:anywhere}
  #snapshot-report footer a{color:#0b2c73}
}

/* v31.39: privacy note under the saved-snapshot buttons (keep "Privacy:" inline, not heading-sized) */
.strategy-privacy-note{display:block;margin-top:10px;line-height:1.5}
.strategy-snapshot-done .strategy-privacy-note strong{display:inline;font-size:inherit;color:#183953}

/* ---- v31.40 live readiness scorecard ---- */
.strategy-readiness-result{display:block}
.rd-head{display:flex;justify-content:space-between;gap:12px;align-items:baseline;flex-wrap:wrap}
.rd-head strong{font-size:1.2rem;color:#08243e}
.rd-progress{font-weight:700;color:#496b84;font-size:.9rem;white-space:nowrap}
.rd-chips{display:flex;gap:8px;flex-wrap:wrap;margin:12px 0 14px}
.rd-chip{padding:6px 11px;border-radius:999px;font-weight:800;font-size:.88rem;background:#fff;border:1px solid #d6e1e9}
.rd-chip.rd-ok{color:#0f6b55;border-color:#9fd8c6}.rd-chip.rd-check{color:#8a5a00;border-color:#f0cf8f}.rd-chip.rd-risk{color:#a23b2f;border-color:#eab2aa}
.rd-groups{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.rd-group{background:#fff;border-radius:12px;padding:14px 16px;border-top:4px solid #d6e1e9}
.rd-group.rd-ok{border-top-color:#16866b}.rd-group.rd-check{border-top-color:#dc9411}.rd-group.rd-risk{border-top-color:#c94f42}
.rd-group h4{margin:0 0 8px;font-size:1rem;color:#08243e}
.rd-group ul{margin:0;padding-left:18px;display:grid;gap:7px}
.rd-group li{line-height:1.45;color:#2c4558;font-size:.95rem}
.rd-group li b{color:#08243e}
.rd-empty{margin:0;color:#7d8f9c;font-size:.92rem}
.rd-flash{animation:rdFlash .9s ease-out}
@keyframes rdFlash{0%{box-shadow:0 0 0 0 rgba(47,109,165,.55);background:#dcebf7}100%{box-shadow:0 0 0 14px rgba(47,109,165,0);background:#eef6fb}}
.rd-nudge{position:fixed;left:50%;transform:translateX(-50%);bottom:84px;z-index:60;border:0;border-radius:999px;padding:12px 18px;background:#0b2c73;color:#fff;font:inherit;font-weight:800;box-shadow:0 10px 28px rgba(8,36,62,.3);cursor:pointer;max-width:calc(100vw - 32px)}
@media(max-width:860px){.rd-groups{grid-template-columns:minmax(0,1fr)}}
@media(prefers-reduced-motion:reduce){.rd-flash{animation:none}}
@media print{.rd-nudge{display:none!important}}