.cov-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:32px;align-items:start;margin-bottom:48px}@media(max-width:900px){.cov-grid{grid-template-columns:1fr}}.cov-form{background:var(--white);border:1px solid var(--gray-300);border-radius:14px;padding:28px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:18px}.cov-form-heading{font-family:"Source Serif 4",serif;font-size:22px;color:var(--navy);margin:0 0 4px}.cov-field{display:flex;flex-direction:column;gap:6px}.cov-field label{font-size:13px;font-weight:700;color:var(--navy);letter-spacing:.04em}.cov-field select,.cov-days-input input{-moz-appearance:none;appearance:none;-webkit-appearance:none;border:1px solid var(--gray-300);border-radius:10px;padding:12px 14px;font-size:15px;color:var(--gray-900);font-family:inherit;background:var(--white)}.cov-field select{padding-right:40px;background:var(--white) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12' fill='none' stroke='%231F3A5F' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><polyline points='3 5 6 8 9 5'/></svg>") no-repeat right 14px center;background-size:12px 12px;cursor:pointer}.cov-field select:focus,.cov-days-input input:focus{outline:2px solid var(--brand-teal);outline-offset:1px;border-color:var(--brand-teal)}.cov-days-input{display:flex;flex-direction:column;gap:8px}.cov-days-presets{display:flex;flex-wrap:wrap;gap:6px}.cov-preset{background:var(--gray-100);color:var(--navy);border:1px solid var(--gray-300);border-radius:999px;padding:5px 12px;font-size:12.5px;font-weight:600;cursor:pointer;transition:background .15s ease,color .15s ease,border-color .15s ease}.cov-preset:hover{background:var(--brand-teal);color:var(--white);border-color:var(--brand-teal)}.cov-submit{background:var(--cta-orange);color:var(--white);border:none;padding:13px 18px;border-radius:10px;font-size:15px;font-weight:700;cursor:pointer;box-shadow:var(--shadow-orange);transition:background .15s ease,box-shadow .15s ease,transform .1s ease}.cov-submit:hover{background:var(--cta-orange-dark);box-shadow:var(--shadow-orange-lg);transform:translateY(-1px)}.cov-disclaimer{font-size:12.5px;color:var(--gray-500);line-height:1.5;margin:0}.cov-result{background:linear-gradient(135deg,var(--cta-orange-soft),var(--gray-50));border:1px solid var(--gray-300);border-radius:14px;padding:32px;min-height:360px;display:flex;align-items:center;justify-content:center}.cov-result-empty{text-align:center;color:var(--gray-700)}.cov-result-empty-icon{color:var(--cta-orange);opacity:.7;margin-bottom:8px;display:inline-block}.cov-result-empty p{font-size:14.5px;line-height:1.5;margin:0;max-width:280px}.cov-result-card{width:100%}.cov-result-eyebrow{color:var(--cta-orange-dark);font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}.cov-result-total{text-align:center;padding:22px 0;border-top:1px solid rgba(226,90,15,.25);border-bottom:1px solid rgba(226,90,15,.25);margin-bottom:18px}.cov-result-total-num{font-family:"Source Serif 4",serif;color:var(--cta-orange-dark);font-size:clamp(40px,6vw,64px);font-weight:700;line-height:1;margin-bottom:6px}.cov-result-total-label{color:var(--gray-700);font-size:13px;font-weight:600}.cov-result-breakdown{display:flex;flex-direction:column;gap:4px;margin-bottom:22px}.cov-result-breakdown-row{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px dashed rgba(31,58,95,.18);color:var(--gray-900);font-size:14px}.cov-result-breakdown-row:last-child{border-bottom:none}.cov-result-breakdown-row strong{color:var(--navy);font-family:"Source Serif 4",serif;font-size:15px}.cov-result-ctas{display:flex;flex-direction:column;gap:10px}.cov-result-cta-primary,.cov-result-cta-secondary{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:10px;text-decoration:none;font-weight:700;font-size:14.5px;transition:background .15s ease,transform .1s ease}.cov-result-cta-primary{background:var(--cta-orange);color:var(--white);box-shadow:var(--shadow-orange)}.cov-result-cta-primary:hover{background:var(--cta-orange-dark);color:var(--white);transform:translateY(-1px)}.cov-result-cta-secondary{background:var(--white);color:var(--navy);border:1px solid var(--navy)}.cov-result-cta-secondary:hover{background:var(--navy);color:var(--white)}.cov-result-trust{color:var(--gray-700);font-size:12px;line-height:1.5;margin-top:18px;font-style:italic}.cov-howto{margin-top:48px;padding-top:36px;border-top:1px solid var(--gray-300)}.cov-howto h2{font-family:"Source Serif 4",serif;color:var(--navy);font-size:clamp(22px,2.4vw,28px);font-weight:600;margin:0 0 12px}.cov-howto p{color:var(--gray-900);font-size:16px;line-height:1.7;margin:0 0 14px}.cov-howto ul{padding-left:1.2em;color:var(--gray-900);font-size:15.5px;line-height:1.7;margin:0 0 14px}.cov-howto li{margin-bottom:10px}.cov-howto li strong{color:var(--navy)}