<style>
  *, *::before, *::after { box-sizing: border-box; }
  :root {
    --ink: #10151e;
    --ink-soft: #525c6e;
    --ink-faint: #8a93a4;
    --line: #e4e9f1;
    --line-soft: #eef2f8;
    --bg: #f3f6fb;
    --card: #ffffff;
    --blue: #1b4fc8;
    --blue-bright: #2f6bf0;
    --blue-deep: #14387f;
    --blue-tint: #ecf2fe;
    --navy: #0b1730;
    --gold: #c4a049;
    --gold-deep: #a8862f;
    --gold-tint: #f6efdb;
    --green: #1f9d6a;
    --green-deep: #157a4f;
    --radius: 14px;
    --shadow: 0 1px 2px rgba(16,28,54,.04), 0 8px 24px rgba(16,28,54,.06);
    --shadow-lift: 0 2px 6px rgba(16,28,54,.06), 0 18px 48px rgba(16,28,54,.12);
    --mono: "Spline Sans Mono", ui-monospace, Menlo, monospace;
    --sans: "Hanken Grotesk", system-ui, sans-serif;
  }
  html, body { margin: 0; padding: 0; }
  body {
    font-family: var(--sans);
    background: var(--bg);
    color: var(--ink);
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
  }
  #root { min-height: 100vh; }

  /* ---------- header ---------- */
  .topbar {
    background: linear-gradient(180deg, #0c1933 0%, #0a1428 100%);
    color: #fff;
    padding: 0 32px;
    height: 76px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    position: sticky; top: 0; z-index: 30;
    border-bottom: 1px solid rgba(255,255,255,.06);
  }
  .topbar .logo { height: 30px; display: block; }
  .topbar .brandside { display: flex; align-items: center; gap: 22px; }
  .topbar .tagline {
    font-size: 12.5px; letter-spacing: .04em; color: rgba(255,255,255,.62);
    padding-left: 22px; border-left: 1px solid rgba(255,255,255,.14);
    text-transform: none;
  }
  .topbar .help {
    font-size: 13px; color: rgba(255,255,255,.7); display: flex; align-items: center; gap: 18px;
  }
  .topbar .gold-dot { color: var(--gold); }

  /* ---------- segment tabs ---------- */
  .tabsbar {
    background: var(--card);
    border-bottom: 1px solid var(--line);
    position: sticky; top: 76px; z-index: 20;
  }
  .tabsbar-inner {
    max-width: 1280px; margin: 0 auto; padding: 0 32px;
    display: flex; align-items: stretch; gap: 4px;
  }
  .tab {
    appearance: none; background: none; border: none; cursor: pointer;
    font-family: var(--sans); font-size: 15px; font-weight: 600; color: var(--ink-soft);
    padding: 18px 18px 16px; position: relative; letter-spacing: -.01em;
    border-bottom: 2.5px solid transparent; margin-bottom: -1px;
    transition: color .15s;
  }
  .tab:hover { color: var(--ink); }
  .tab.active { color: var(--blue); border-bottom-color: var(--blue); }
  .tab.active.custom { color: var(--gold-deep); border-bottom-color: var(--gold); }
  .tab .cnt {
    font-family: var(--mono); font-size: 11px; font-weight: 500; color: var(--ink-faint);
    margin-left: 7px;
  }
  .tab.active .cnt { color: var(--blue); }
  .tab.active.custom .cnt { color: var(--gold-deep); }

  /* ---------- layout ---------- */
  .page { max-width: 1280px; margin: 0 auto; padding: 28px 32px 120px;
    display: grid; grid-template-columns: 1fr 366px; gap: 30px; align-items: start; }
  .seg-head { margin: 2px 0 18px; }
  .seg-head h1 { font-size: 25px; font-weight: 800; letter-spacing: -.02em; margin: 0; }
  .seg-head p { margin: 5px 0 0; color: var(--ink-soft); font-size: 14.5px; }
  .col-products { min-width: 0; }
  .products { display: flex; flex-direction: column; gap: 10px; }

  /* ---------- product card ---------- */
  .pcard {
    background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
    padding: 11px 16px; box-shadow: var(--shadow); position: relative;
    transition: box-shadow .18s, border-color .18s, transform .18s;
  }
  .pcard.on { border-color: #cdd9f5; box-shadow: 0 1px 2px rgba(16,28,54,.04), 0 10px 30px rgba(27,79,200,.10); }
  .pcard.on::before {
    content: ""; position: absolute; left: 0; top: 10px; bottom: 10px; width: 3px;
    border-radius: 0 3px 3px 0; background: var(--blue);
  }
  .pcard.max::before { background: linear-gradient(var(--gold), var(--gold-deep)); }
  .prow { display: grid; grid-template-columns: 32px minmax(150px, 210px) 1fr 132px 24px; gap: 16px; align-items: center; }
  .pcode {
    flex: none; width: 32px; height: 32px; border-radius: 8px;
    display: grid; place-items: center; font-family: var(--mono); font-weight: 600;
    font-size: 12px; letter-spacing: .02em;
    background: #eef2f9; color: var(--blue-deep); border: 1px solid #e0e7f4;
  }
  .pcard.on .pcode { background: var(--blue); color: #fff; border-color: var(--blue); }
  .pcard.max .pcode { background: linear-gradient(150deg,var(--gold),var(--gold-deep)); color: #2a2208; border-color: var(--gold-deep); }
  .namecell { display: flex; align-items: center; gap: 9px; min-width: 0; }
  .pname { font-size: 14.5px; font-weight: 700; letter-spacing: -.01em; line-height: 1.22; flex: 1; min-width: 0; }
  .info-btn {
    flex: none; width: 26px; height: 26px; border-radius: 50%; cursor: pointer;
    border: 1px solid var(--line); background: #fff; color: var(--ink-faint);
    font-family: var(--sans); font-weight: 700; font-size: 13px; font-style: italic;
    display: grid; place-items: center; transition: all .15s;
  }
  .info-btn:hover { color: var(--blue); border-color: var(--blue); background: var(--blue-tint); }

  .scell { min-width: 0; }

  /* ---------- custom slider ---------- */
  .vslider { position: relative; height: 44px; user-select: none; touch-action: none; }
  .vtrack {
    position: absolute; left: 9px; right: 9px; top: 9px; height: 6px;
    background: #e6ebf3; border-radius: 6px;
  }
  .vhit { position: absolute; left: 0; right: 0; top: 0; height: 24px; cursor: pointer; }
  .vfill { position: absolute; left: 0; top: 0; height: 100%; border-radius: 6px;
    background: linear-gradient(90deg, var(--blue), var(--blue-bright)); transition: width .12s ease; }
  .vfill.max { background: linear-gradient(90deg, var(--blue-bright) 0%, var(--gold) 96%); }
  .vnotch {
    position: absolute; top: 50%; width: 11px; height: 11px; border-radius: 50%;
    transform: translate(-50%, -50%); background: #fff; border: 2px solid #d4dbe7;
    cursor: pointer; transition: border-color .12s, background .12s; pointer-events: none;
  }
  .vnotch.passed { border-color: var(--blue); background: var(--blue); }
  .vnotch.passed.ismax { border-color: var(--gold-deep); background: var(--gold); }
  .vnotch.midgold { border-color: var(--gold-deep); background: var(--gold); box-shadow: 0 0 0 2px #fff; width: 12px; height: 12px; }
  .vthumb {
    position: absolute; top: 50%; width: 24px; height: 24px; border-radius: 50%;
    transform: translate(-50%, -50%); background: #fff; border: 2.5px solid var(--blue);
    box-shadow: 0 2px 6px rgba(16,28,54,.18); cursor: grab; transition: left .12s ease;
    display: grid; place-items: center; z-index: 2;
  }
  .vthumb::after { content: ""; width: 9px; height: 9px; border-radius: 50%; background: var(--blue); }
  .vthumb.gold { border-color: var(--gold-deep); }
  .vthumb.gold::after { background: var(--gold); }
  .vthumb:active { cursor: grabbing; }
  .vthumb:focus-visible { outline: 3px solid rgba(47,107,240,.35); outline-offset: 2px; }

  .vlabels { position: absolute; left: 9px; right: 9px; top: 28px; height: 14px; }
  .vlabel {
    position: absolute; transform: translateX(-50%); white-space: nowrap;
    font-family: var(--mono); font-size: 10.5px; font-weight: 500; color: var(--ink-faint);
    cursor: pointer; letter-spacing: .01em; transition: color .12s;
  }
  .vlabel.active { color: var(--blue); font-weight: 600; }
  .vlabel.active.gold { color: var(--gold-deep); }

  /* right side readout */
  .preadout { text-align: right; min-width: 0; }
  .preadout .lvl {
    display: inline-block; font-family: var(--mono); font-size: 9.5px; font-weight: 600;
    letter-spacing: .06em; text-transform: uppercase; padding: 2px 8px; border-radius: 20px;
    background: #eef2f9; color: var(--ink-soft);
  }
  .pcard.on .preadout .lvl { background: var(--blue-tint); color: var(--blue); }
  .pcard.max .preadout .lvl { background: var(--gold-tint); color: var(--gold-deep); }
  .preadout .sum { font-family: var(--mono); font-size: 18px; font-weight: 600; margin-top: 4px; letter-spacing: -.01em; line-height: 1.05; }
  .preadout .sum.zero { color: var(--ink-faint); font-weight: 500; font-size: 14px; }
  .preadout .prem { font-size: 11.5px; color: var(--ink-soft); margin-top: 2px; }
  .preadout .prem b { font-weight: 700; color: var(--ink); }

  /* ---------- summary card ---------- */
  .col-summary { position: sticky; top: 138px; }
  .scard { background: var(--card); border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow-lift); overflow: visible; }
  .scard-head { padding: 18px 22px 16px; border-bottom: 1px solid var(--line-soft); }
  .scard-head h2 { margin: 0; font-size: 16px; font-weight: 800; letter-spacing: -.01em; position: relative; display: inline-block; padding-bottom: 8px; }
  .scard-head h2::after { content: ""; position: absolute; left: 0; bottom: 0; width: 36px; height: 3px; border-radius: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-deep)); }
  .scard-head p { margin: 3px 0 0; font-size: 12.5px; color: var(--ink-soft); }
  .bundle-tag { display: inline-flex; align-items: center; gap: 7px; margin-top: 10px;
    font-family: var(--mono); font-size: 11.5px; font-weight: 600; color: var(--green-deep);
    background: #e7f6ee; border: 1px solid #bfe6d2; padding: 4px 10px; border-radius: 20px; }
  .bdot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 2px #fff; }
  .scard-body { padding: 18px 22px 22px; }
  .srow { display: flex; align-items: baseline; justify-content: space-between; padding: 7px 0; }
  .srow .k { font-size: 13.5px; color: var(--ink-soft); }
  .srow .v { font-family: var(--mono); font-size: 14px; font-weight: 600; }
  .insured-box { position: relative; background: #f7f9fd; border: 1px solid var(--line-soft); border-radius: 11px; padding: 13px 15px; margin: 6px 0 18px; cursor: help; transition: border-color .15s, background .15s; }
  .insured-box:hover { border-color: #cdd9f5; background: #f2f6fe; }
  .insured-box .cap { font-size: 11.5px; color: var(--ink-faint); text-transform: uppercase; letter-spacing: .06em; font-family: var(--mono); display: flex; align-items: center; justify-content: space-between; }
  .insured-box .cap .hint { text-transform: none; letter-spacing: 0; color: var(--blue); opacity: .8; font-size: 10.5px; }
  .insured-box .big { font-family: var(--mono); font-size: 24px; font-weight: 600; letter-spacing: -.02em; margin-top: 3px; }

  .pay-cap { font-size: 11.5px; color: var(--ink-faint); text-transform: uppercase; letter-spacing: .06em; font-family: var(--mono); margin-bottom: 12px; }
  .cad-slider { margin-bottom: 6px; }

  .cost-box { margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--line-soft); }
  .cost-main { display: flex; align-items: flex-end; justify-content: space-between; }
  .cost-main .amt { font-family: var(--mono); font-size: 32px; font-weight: 600; letter-spacing: -.025em; line-height: 1; }
  .cost-main .per { font-size: 13px; color: var(--ink-soft); padding-bottom: 4px; }
  .cost-annual { font-size: 13px; color: var(--ink-soft); margin-top: 11px; display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
  .cost-annual b { color: var(--ink); font-weight: 700; font-family: var(--mono); }
  .save-badge { font-family: var(--mono); font-size: 11px; font-weight: 600; color: var(--gold-deep);
    background: var(--gold-tint); border: 1px solid #ecdfb6; padding: 2px 8px; border-radius: 20px; }

  .quote-btn {
    width: 100%; margin-top: 20px; padding: 14px; border: none; border-radius: 11px; cursor: pointer;
    background: var(--blue); color: #f3d691; font-family: var(--sans); font-weight: 700; font-size: 15px;
    letter-spacing: .01em; transition: background .15s, transform .1s; box-shadow: 0 6px 18px rgba(27,79,200,.28);
  }
  .quote-btn:hover { background: var(--blue-deep); }
  .quote-btn:active { transform: translateY(1px); }
  .quote-btn:disabled { background: #d7deea; color: #9aa4b5; cursor: not-allowed; box-shadow: none; }
  .fineprint { font-size: 11px; color: var(--ink-faint); margin-top: 12px; line-height: 1.45; text-align: center; }

  .empty { text-align: center; padding: 40px 0 6px; color: var(--ink-faint); font-size: 13.5px; }

  /* ---------- coverage comparison popup ---------- */
  .cov-pop {
    position: absolute; top: calc(100% + 12px); right: 0; z-index: 40;
    background: #fff; border: 1px solid var(--line); border-radius: 16px;
    box-shadow: 0 8px 20px rgba(16,28,54,.10), 0 24px 60px rgba(16,28,54,.18);
    padding: 22px 40px 18px; cursor: default;
    opacity: 0; pointer-events: none; transform: translateY(-6px) scale(.99); transform-origin: top right;
    transition: opacity .16s ease, transform .16s ease;
  }
  .insured-box:hover .cov-pop { opacity: 1; pointer-events: auto; transform: translateY(0) scale(1); }
  .cov-pop::after {
    content: ""; position: absolute; top: -7px; right: 30px; width: 12px; height: 12px;
    background: #fff; border-left: 1px solid var(--line); border-top: 1px solid var(--line);
    transform: rotate(45deg);
  }
  .cov-pop .poptitle { font-size: 15.5px; font-weight: 800; letter-spacing: -.015em; margin-bottom: 3px; white-space: nowrap; }
  .cov-pop .popsub { font-family: var(--mono); font-size: 11.5px; color: var(--ink-faint); margin-bottom: 22px; white-space: nowrap; }
  .cov-bars { display: flex; align-items: flex-end; gap: 16px; height: 150px; padding-bottom: 74px; }
  .bar-col { position: relative; width: 40px; height: 100%; display: flex; flex-direction: column; align-items: center; justify-content: flex-end; }
  .bar-val { font-family: var(--mono); font-size: 11px; font-weight: 600; color: var(--ink-soft); margin-bottom: 7px; white-space: nowrap; }
  .bar-fill { width: 100%; min-height: 4px; border-radius: 5px 5px 0 0;
    background: linear-gradient(180deg, var(--blue-bright), var(--blue)); }
  .bar-col.ismax .bar-fill { background: linear-gradient(180deg, var(--gold), var(--gold-deep)); }
  .bar-col.total { margin-left: 20px; }
  .bar-col.total::before {
    content: ""; position: absolute; left: -11px; top: 0; bottom: 74px; width: 1px;
    background: repeating-linear-gradient(180deg, var(--line) 0 5px, transparent 5px 10px);
  }
  .bar-col.total .bar-fill { background: linear-gradient(180deg, #2bb887, var(--green-deep)); }
  .bar-col.total .bar-val { color: var(--green-deep); }
  .bar-name {
    position: absolute; top: calc(100% + 9px); right: 50%;
    transform: rotate(-45deg); transform-origin: right top; white-space: nowrap;
    font-family: var(--mono); font-size: 11.5px; color: var(--ink-soft); letter-spacing: .01em;
  }
  .bar-col.ismax .bar-name { color: var(--gold-deep); font-weight: 600; }
  .bar-col.total .bar-name { color: var(--green-deep); font-weight: 700; }
  .cov-pop .popempty { font-size: 13px; color: var(--ink-faint); white-space: nowrap; padding: 6px 2px; }

  /* ---------- recommended gold-dot card ---------- */
  .rec-card {
    margin-top: 14px; background: linear-gradient(180deg, #fcf8ee, var(--gold-tint));
    border: 1px solid #ecddb2; border-radius: 14px; padding: 15px 17px;
    display: flex; gap: 13px; align-items: flex-start;
  }
  .rec-dot {
    flex: none; width: 15px; height: 15px; border-radius: 50%; margin-top: 2px;
    background: var(--gold); border: 2px solid var(--gold-deep); box-shadow: 0 0 0 3px #fff, 0 1px 3px rgba(120,90,20,.3);
  }
  .rec-dot.inline { display: inline-block; width: 12px; height: 12px; margin: 0 2px -1px; box-shadow: 0 0 0 2px #fff; vertical-align: baseline; }
  .rec-card p { margin: 0; font-size: 12.8px; line-height: 1.5; color: #6a571f; }
  .rec-card p b { color: #4d3f12; font-weight: 700; }

  /* ---------- drawer ---------- */
  .scrim { position: fixed; inset: 0; background: rgba(8,16,32,.42); backdrop-filter: blur(2px);
    opacity: 0; pointer-events: none; transition: opacity .25s; z-index: 50; }
  .scrim.show { opacity: 1; pointer-events: auto; }
  .drawer {
    position: fixed; top: 0; right: 0; bottom: 0; width: 460px; max-width: 92vw; background: #fff;
    box-shadow: -20px 0 60px rgba(8,16,32,.22); transform: translateX(100%); transition: transform .3s cubic-bezier(.22,.61,.36,1);
    z-index: 51; display: flex; flex-direction: column;
  }
  .drawer.show { transform: translateX(0); }
  .drawer-head { padding: 26px 28px 20px; border-bottom: 1px solid var(--line-soft); position: relative; }
  .drawer-head .dcode {
    width: 46px; height: 46px; border-radius: 10px; display: grid; place-items: center; font-family: var(--mono);
    font-weight: 600; font-size: 15px; background: var(--blue); color: #fff; margin-bottom: 14px;
  }
  .drawer-head h3 { margin: 0; font-size: 21px; font-weight: 800; letter-spacing: -.02em; line-height: 1.15; }
  .drawer-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 12px; }
  .dtag { font-family: var(--mono); font-size: 10.5px; font-weight: 500; color: var(--ink-soft);
    background: #f0f3f9; border: 1px solid var(--line); padding: 3px 9px; border-radius: 20px; text-transform: capitalize; }
  .drawer-close {
    position: absolute; top: 22px; right: 22px; width: 34px; height: 34px; border-radius: 50%;
    border: 1px solid var(--line); background: #fff; cursor: pointer; font-size: 18px; color: var(--ink-soft);
    display: grid; place-items: center; line-height: 1;
  }
  .drawer-close:hover { background: var(--bg); color: var(--ink); }
  .drawer-body { padding: 24px 28px 30px; overflow-y: auto; flex: 1; }
  .drawer-body .about { font-size: 14.5px; line-height: 1.6; color: var(--ink-soft); }
  .drawer-sec { margin-top: 26px; }
  .drawer-sec h4 { margin: 0 0 12px; font-size: 12px; font-weight: 700; letter-spacing: .07em;
    text-transform: uppercase; color: var(--ink-faint); font-family: var(--mono); }
  .covers { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
  .covers li { display: flex; gap: 11px; font-size: 14px; color: var(--ink); line-height: 1.4; }
  .covers .ck { flex: none; width: 18px; height: 18px; border-radius: 50%; background: var(--blue-tint);
    color: var(--blue); display: grid; place-items: center; font-size: 11px; font-weight: 800; margin-top: 1px; }
  .tier-table { width: 100%; border-collapse: collapse; font-size: 13px; }
  .tier-table th { text-align: left; font-family: var(--mono); font-size: 10.5px; font-weight: 500; color: var(--ink-faint);
    text-transform: uppercase; letter-spacing: .05em; padding: 0 0 9px; border-bottom: 1px solid var(--line-soft); }
  .tier-table th:not(:first-child), .tier-table td:not(:first-child) { text-align: right; }
  .tier-table td { padding: 9px 0; border-bottom: 1px solid var(--line-soft); font-family: var(--mono); }
  .tier-table td.lbl { font-family: var(--sans); font-weight: 600; }
  .tier-table tr.cur td { background: var(--blue-tint); }
  .tier-table tr.cur td:first-child { box-shadow: inset 3px 0 0 var(--blue); }
  .tier-table tr.cur.maxrow td:first-child { box-shadow: inset 3px 0 0 var(--gold); }

  /* ---------- mobile bottom bar ---------- */
  .mobar { display: none; }

  @media (max-width: 1080px) {
    .page { grid-template-columns: 1fr; padding-bottom: 140px; }
    .col-summary { display: none; }
    .mobar {
      display: block; position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
      background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -8px 30px rgba(16,28,54,.1);
      padding: 12px 20px calc(12px + env(safe-area-inset-bottom));
    }
    .mobar-inner { max-width: 700px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; gap: 14px; }
    .mobar .amt { font-family: var(--mono); font-size: 22px; font-weight: 600; }
    .mobar .sub { font-size: 11.5px; color: var(--ink-soft); }
    .mobar .quote-btn { width: auto; margin: 0; padding: 12px 22px; white-space: nowrap; }
    .topbar .tagline { display: none; }
  }
  @media (max-width: 760px) {
    .prow { display: flex; flex-wrap: wrap; align-items: center; gap: 9px 12px; }
    .namecell { flex: 1 1 180px; }
    .scell { flex: 1 1 100%; order: 3; }
    .preadout { flex: 1 1 100%; order: 4; text-align: left; border-top: 1px solid var(--line-soft); padding-top: 9px; }
  }
  @media (max-width: 620px) {
    .topbar, .tabsbar-inner, .page { padding-left: 16px; padding-right: 16px; }
    .tabsbar-inner { overflow-x: auto; }
    .topbar .help { display: none; }
  }

  /* ---------- risk-based recommendation card ---------- */
  .risk-card { margin-top: 14px; background: var(--card); border: 1px solid var(--line);
    border-radius: 14px; padding: 16px 18px 16px; box-shadow: var(--shadow); }
  .risk-card h3 { margin: 0 0 2px; font-size: 14.5px; font-weight: 800; letter-spacing: -.01em;
    position: relative; padding-bottom: 8px; display: inline-block; }
  .risk-card h3::after { content: ""; position: absolute; left: 0; bottom: 0; width: 30px; height: 3px;
    border-radius: 3px; background: linear-gradient(90deg, var(--blue), var(--blue-bright)); }
  .risk-card .rsub { margin: 0 0 14px; font-size: 12px; color: var(--ink-soft); }
  .risk-slot { margin: 4px 0 2px; }
  .risk-tiers { display: flex; gap: 8px; margin-top: 4px; }
  .risk-tier { flex: 1; text-align: center; padding: 7px 4px 6px; border-radius: 9px; border: 1px solid transparent; }
  .risk-tier.sel { background: var(--blue-tint); border-color: #cdd9f5; }
  .risk-tier .rt-cover { font-family: var(--mono); font-size: 9.5px; font-weight: 600; text-transform: uppercase;
    letter-spacing: .06em; color: var(--ink-faint); }
  .risk-tier.sel .rt-cover { color: var(--blue); }
  .risk-tier .rt-cost { font-family: var(--mono); font-size: 12.5px; font-weight: 600; margin-top: 3px; color: var(--ink); }
  .risk-tier.sel .rt-cost { color: var(--blue-deep); }
  .risk-why { background: #f7f9fd; border: 1px solid var(--line-soft); border-radius: 10px;
    padding: 11px 13px; font-size: 12.3px; line-height: 1.5; color: var(--ink-soft); margin-top: 14px; }
  .risk-why b { color: var(--ink); font-weight: 700; }
  .risk-actions { display: flex; gap: 9px; margin-top: 14px; }
  .btn-apply { flex: 1; padding: 11px 8px; border: none; border-radius: 10px; cursor: pointer;
    background: var(--blue); color: #fff; font-family: var(--sans); font-weight: 700; font-size: 13px;
    letter-spacing: -.01em; transition: background .15s, transform .1s; box-shadow: 0 6px 16px rgba(27,79,200,.22); }
  .btn-apply:hover { background: var(--blue-deep); }
  .btn-apply:active { transform: translateY(1px); }
  .btn-apply:disabled { background: #d7deea; color: #9aa4b5; cursor: not-allowed; box-shadow: none; }
  .btn-saved { flex: 1; padding: 11px 8px; border: 1px solid var(--gold-deep); border-radius: 10px; cursor: pointer;
    background: var(--gold-tint); color: var(--gold-deep); font-family: var(--sans); font-weight: 700; font-size: 13px;
    letter-spacing: -.01em; transition: background .15s; }
  .btn-saved:hover { background: #f1e7c8; }
  .btn-saved:disabled { opacity: .5; cursor: not-allowed; border-color: var(--line); color: var(--ink-faint); background: #f4f6fa; }
  .risk-saveline { display: flex; align-items: center; justify-content: space-between; gap: 8px;
    margin-top: 10px; font-size: 11.5px; color: var(--ink-faint); font-family: var(--mono); }
  .risk-saveline a { color: var(--blue); cursor: pointer; text-decoration: none; font-weight: 600; }
  .risk-saveline a:hover { text-decoration: underline; }

  /* ---------- product expand arrow + explanation ---------- */
  .expander { width: 24px; height: 24px; border-radius: 7px; cursor: pointer; justify-self: end;
    border: 1px solid var(--line); background: #fff; color: var(--ink-faint);
    display: grid; place-items: center; transition: all .15s; }
  .expander:hover { color: var(--blue); border-color: var(--blue); background: var(--blue-tint); }
  .expander.open { color: var(--blue); border-color: #cdd9f5; background: var(--blue-tint); }
  .expander .chev { font-size: 16px; line-height: 1; transition: transform .2s ease; transform: translateY(-1px); }
  .expander.open .chev { transform: rotate(180deg); }
  .pexp { margin-top: 12px; padding-top: 13px; border-top: 1px solid var(--line-soft); }
  .pexp p { margin: 0 0 12px; font-size: 13.3px; line-height: 1.55; color: var(--ink-soft); }
  .pexp h5 { margin: 0 0 8px; font-family: var(--mono); font-size: 10px; font-weight: 500;
    letter-spacing: .07em; text-transform: uppercase; color: var(--ink-faint); }
  .pexp ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 7px; }
  .pexp li { display: flex; gap: 9px; font-size: 13px; color: var(--ink); line-height: 1.4; }
  .pexp .ck { flex: none; width: 16px; height: 16px; border-radius: 50%; background: var(--blue-tint);
    color: var(--blue); display: grid; place-items: center; font-size: 10px; font-weight: 800; margin-top: 1px; }

  /* green "buy signal" after restoring saved decisions */
  .btn-buy { flex: 1; padding: 11px 8px; border: none; border-radius: 10px; cursor: pointer;
    background: var(--green); color: #fff; font-family: var(--sans); font-weight: 700; font-size: 13.5px;
    letter-spacing: -.01em; transition: background .15s, transform .1s; box-shadow: 0 6px 18px rgba(31,157,106,.28); }
  .btn-buy:hover { background: var(--green-deep); }
  .btn-buy:active { transform: translateY(1px); }

  /* bold green saved-decisions readout */
  .risk-saveline .dec { color: var(--green-deep); font-weight: 700; }

  /* claim entry in top nav */
  .nav-claim { display:inline-flex; align-items:center; gap:7px; font-family:var(--sans); font-weight:700;
    font-size:13px; color:#0b1730; background:var(--gold); border:1px solid var(--gold-deep);
    padding:8px 15px; border-radius:9px; text-decoration:none; letter-spacing:-.01em; transition:background .15s; }
  .nav-claim:hover { background:#d6b35a; }
  @media (max-width:620px){ .topbar .help{ display:flex !important; } .nav-claim{ padding:7px 12px; font-size:12px; } }
</style>