.v4v-va-calculator {
  --v4v-navy: #0b2f4f;
  --v4v-navy-dark: #08233d;
  --v4v-gold: #c69a2e;
  --v4v-gold-dark: #8a6518;
  --v4v-gold-soft: #f4e7c3;
  --v4v-text: #1f2937;
  --v4v-muted: #56616d;
  --v4v-border: #aeb8c2;
  --v4v-panel: #f6f7f9;
  --v4v-white: #ffffff;
  max-width: 980px;
  margin: 0 auto;
  color: var(--v4v-text);
  font-family: inherit;
  font-size: 12px;
  line-height: 1.5;
}

.v4v-va-calculator *,
.v4v-va-calculator *::before,
.v4v-va-calculator *::after { box-sizing: border-box; }

.v4v-calc-card,
.v4v-results {
  background: var(--v4v-white);
  border: 1px solid var(--v4v-border);
  border-radius: 16px;
  padding: 28px;
}

.v4v-calc-kicker {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--v4v-gold-dark);
  margin-bottom: 6px;
}

.v4v-calc-card h2,
.v4v-results h2 {
  margin: 0 0 8px;
  color: var(--v4v-navy);
}

.v4v-calc-intro { margin: 0 0 24px; color: var(--v4v-muted); }

.v4v-fieldset {
  border: 0;
  padding: 0;
  margin: 0 0 24px;
  min-width: 0;
}

.v4v-fieldset legend {
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--v4v-text);
}

.v4v-location-grid,
.v4v-rating-grid {
  display: grid;
  gap: 10px;
}

.v4v-location-grid { grid-template-columns: repeat(5, minmax(0, 1fr)); }
.v4v-rating-grid { grid-template-columns: repeat(5, minmax(0, 1fr)); }

.v4v-location,
.v4v-rating,
.v4v-primary,
.v4v-secondary,
.v4v-link-button,
.v4v-chip {
  font: inherit;
}

.v4v-location,
.v4v-rating {
  min-height: 48px;
  border: 1px solid var(--v4v-border);
  border-radius: 10px;
  background: var(--v4v-white);
  color: var(--v4v-navy);
  cursor: pointer;
  font-weight: 700;
  transition: border-color .15s ease, background .15s ease, color .15s ease;
}

.v4v-location:hover,
.v4v-rating:hover { border-color: var(--v4v-navy); }

.v4v-location.is-active {
  background: var(--v4v-navy);
  border-color: var(--v4v-gold);
  color: var(--v4v-white);
  box-shadow: inset 0 0 0 1px var(--v4v-gold);
}

.v4v-location:focus-visible,
.v4v-rating:focus-visible,
.v4v-primary:focus-visible,
.v4v-secondary:focus-visible,
.v4v-link-button:focus-visible,
.v4v-chip:focus-visible {
  outline: 3px solid rgba(198,154,46,.38);
  outline-offset: 2px;
}

.v4v-help {
  margin: 9px 0 0;
  color: var(--v4v-muted);
  font-size: 13px;
}

.v4v-selections-wrap {
  margin-top: 6px;
  padding: 18px;
  background: var(--v4v-panel);
  border-radius: 12px;
}

.v4v-selections-head {
  display: flex;
  gap: 12px;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}

.v4v-selections-head h3 { margin: 0; font-size: 18px; color: var(--v4v-navy); }
.v4v-empty { margin: 0; color: var(--v4v-muted); }

.v4v-selections {
  display: flex;
  flex-wrap: wrap;
  gap: 9px;
}

.v4v-chip {
  border: 1px solid var(--v4v-gold);
  background: var(--v4v-gold-soft);
  color: var(--v4v-navy);
  border-radius: 999px;
  padding: 9px 12px;
  cursor: pointer;
  font-weight: 700;
}

.v4v-chip span { color: var(--v4v-muted); font-weight: 500; margin-left: 6px; }

.v4v-link-button {
  border: 0;
  background: transparent;
  color: var(--v4v-gold-dark);
  text-decoration: underline;
  cursor: pointer;
  padding: 6px;
}

.v4v-link-button:disabled { opacity: .45; cursor: not-allowed; }

.v4v-actions { margin-top: 20px; }

.v4v-primary,
.v4v-secondary {
  min-height: 48px;
  border-radius: 10px;
  padding: 11px 18px;
  cursor: pointer;
  font-weight: 700;
}

.v4v-primary {
  width: 100%;
  border: 1px solid var(--v4v-gold);
  background: var(--v4v-gold);
  color: var(--v4v-navy);
}

.v4v-primary:hover {
  background: #b4871f;
  border-color: #b4871f;
}
.v4v-primary:disabled { opacity: .45; cursor: not-allowed; }

.v4v-results {
  margin-top: 20px;
  border-top: 5px solid var(--v4v-gold);
}

.v4v-results-main {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.v4v-results h2 {
  font-size: clamp(48px, 9vw, 82px);
  line-height: 1;
}

.v4v-raw-result {
  text-align: right;
  color: var(--v4v-muted);
}

.v4v-raw-result span { display: block; font-size: 13px; }
.v4v-raw-result strong { display: block; font-size: 28px; color: var(--v4v-text); }

.v4v-bilateral-note {
  margin-top: 18px;
  padding: 14px 16px;
  border-left: 4px solid var(--v4v-gold);
  background: var(--v4v-panel);
}

.v4v-details {
  margin-top: 18px;
  border-top: 1px solid var(--v4v-border);
  padding-top: 16px;
}

.v4v-details-title { margin: 0; font-size: 18px; font-weight: 700; color: var(--v4v-navy); }
.v4v-details-body { padding-top: 12px; }
.v4v-details-body ol { margin: 8px 0 0 20px; }
.v4v-details-body li { margin-bottom: 7px; }

.v4v-result-actions {
  margin-top: 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.v4v-secondary {
  border: 1px solid var(--v4v-navy);
  background: var(--v4v-white);
  color: var(--v4v-navy);
}

.v4v-secondary:hover { background: var(--v4v-panel); }

.v4v-disclaimer {
  margin-top: 16px;
  color: var(--v4v-muted);
  font-size: 13px;
}

@media (max-width: 700px) {
  .v4v-calc-card,
  .v4v-results { padding: 20px; border-radius: 12px; }
  .v4v-location-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .v4v-location-grid .v4v-location:first-child { grid-column: 1 / -1; }
  .v4v-rating-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .v4v-results-main { align-items: flex-start; flex-direction: column; }
  .v4v-raw-result { text-align: left; }
}

.v4v-compensation {
  margin-top: 22px;
  padding-top: 20px;
  border-top: 1px solid var(--v4v-border);
}

.v4v-comp-head {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 22px;
  align-items: start;
}

.v4v-comp-head h3 {
  margin: 0 0 6px;
  color: var(--v4v-navy);
  font-size: 22px;
}

.v4v-comp-head p {
  margin: 0;
  color: var(--v4v-muted);
  font-size: 14px;
}

.v4v-comp-total {
  min-width: 210px;
  text-align: right;
}

.v4v-comp-total span,
.v4v-comp-total small {
  display: block;
  color: var(--v4v-muted);
}

.v4v-comp-total strong {
  display: block;
  color: var(--v4v-navy);
  font-size: 34px;
  line-height: 1.15;
  margin: 3px 0;
}

.v4v-comp-controls {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}

.v4v-control-row,
.v4v-toggle-row {
  min-width: 0;
  padding: 12px 14px;
  border: 1px solid var(--v4v-border);
  border-radius: 10px;
  background: var(--v4v-panel);
}

.v4v-control-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.v4v-control-row span,
.v4v-toggle-row span { font-weight: 700; color: var(--v4v-text); }

.v4v-control-row select,
.v4v-control-row input[type="number"] {
  width: 82px;
  min-height: 42px;
  border: 1px solid var(--v4v-border);
  border-radius: 8px;
  background: var(--v4v-white);
  color: var(--v4v-text);
  padding: 6px 9px;
  font: inherit;
}

.v4v-toggle-row {
  display: flex;
  align-items: center;
  gap: 10px;
}

.v4v-toggle-row input[type="checkbox"] {
  width: 20px;
  height: 20px;
  accent-color: var(--v4v-navy);
}

.v4v-comp-note {
  margin-top: 14px;
  padding: 12px 14px;
  border-left: 4px solid var(--v4v-navy);
  background: var(--v4v-panel);
  font-size: 14px;
}

.v4v-comp-breakdown {
  margin-top: 14px;
  border: 1px solid var(--v4v-border);
  border-radius: 10px;
  overflow: hidden;
}

.v4v-comp-breakdown h4 {
  margin: 0;
  padding: 12px 14px;
  background: var(--v4v-panel);
  color: var(--v4v-navy);
  font-size: 15px;
}

.v4v-comp-line {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 10px 14px;
  border-top: 1px solid var(--v4v-border);
  font-size: 14px;
}

.v4v-comp-line-total {
  font-weight: 700;
  color: var(--v4v-navy);
}

.v4v-rate-source {
  margin: 12px 0 0;
  color: var(--v4v-muted);
  font-size: 12px;
}

.v4v-rate-source a { color: var(--v4v-navy); }

@media (max-width: 700px) {
  .v4v-comp-head { grid-template-columns: 1fr; }
  .v4v-comp-total { text-align: left; min-width: 0; }
  .v4v-comp-controls { grid-template-columns: 1fr; }
  .v4v-control-row { align-items: flex-start; }
}

/* v0.4 result-detail disclosure */
.v4v-details {
  margin-top: 18px;
  border-top: 1px solid var(--v4v-border);
  border-bottom: 1px solid var(--v4v-border);
  padding: 0;
}

.v4v-details-toggle,
.v4v-breakdown-toggle {
  width: 100%;
  min-height: 50px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  border: 0;
  background: transparent;
  color: var(--v4v-navy);
  padding: 13px 0;
  font: inherit;
  font-weight: 700;
  text-align: left;
  cursor: pointer;
}

.v4v-details-toggle:focus-visible,
.v4v-breakdown-toggle:focus-visible {
  outline: 3px solid rgba(198,154,46,.38);
  outline-offset: 2px;
  border-radius: 8px;
}

.v4v-chevron {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  font-size: 22px;
  line-height: 1;
  transition: transform .15s ease;
}

.v4v-details-toggle.is-open .v4v-chevron,
.v4v-breakdown-toggle.is-open .v4v-chevron {
  transform: rotate(180deg);
}

.v4v-details-body {
  padding: 0 0 16px;
}

/* v0.4 compensation module */
.v4v-compensation {
  margin-top: 24px;
  padding: 22px;
  border: 1px solid var(--v4v-border);
  border-radius: 14px;
  background: var(--v4v-panel);
  border-top: 3px solid var(--v4v-gold);
}

.v4v-comp-title-row {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 18px;
}

.v4v-comp-title-row h3 {
  margin: 0 0 4px;
  color: var(--v4v-navy);
  font-size: 23px;
}

.v4v-comp-title-row p {
  margin: 0;
  color: var(--v4v-muted);
  font-size: 14px;
}

.v4v-rating-badge {
  flex: 0 0 auto;
  border: 1px solid var(--v4v-border);
  border-radius: 999px;
  background: var(--v4v-white);
  color: var(--v4v-navy);
  padding: 7px 11px;
  font-size: 13px;
  font-weight: 700;
}

.v4v-payment-summary {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr);
  gap: 1px;
  margin-top: 18px;
  overflow: hidden;
  border: 1px solid var(--v4v-border);
  border-radius: 12px;
  background: var(--v4v-border);
}

.v4v-payment-main,
.v4v-payment-annual {
  background: var(--v4v-white);
  padding: 18px;
}

.v4v-payment-main span,
.v4v-payment-annual span {
  display: block;
  color: var(--v4v-muted);
  font-size: 13px;
}

.v4v-payment-main strong {
  display: block;
  margin-top: 4px;
  color: var(--v4v-navy);
  font-size: clamp(32px, 5vw, 48px);
  line-height: 1.05;
}

.v4v-payment-annual strong {
  display: block;
  margin-top: 7px;
  color: var(--v4v-text);
  font-size: 21px;
}

.v4v-dependents-panel {
  margin-top: 18px;
  padding: 18px;
  border: 1px solid var(--v4v-border);
  border-radius: 12px;
  background: var(--v4v-white);
}

.v4v-dependents-panel[hidden] { display: none !important; }

.v4v-dependents-heading h4 {
  margin: 0 0 3px;
  color: var(--v4v-navy);
  font-size: 17px;
}

.v4v-dependents-heading p {
  margin: 0;
  color: var(--v4v-muted);
  font-size: 13px;
}

.v4v-comp-controls {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 15px;
}

.v4v-control-card {
  min-width: 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 12px 14px;
  border: 1px solid var(--v4v-border);
  border-radius: 10px;
  background: var(--v4v-panel);
}

.v4v-control-label {
  min-width: 0;
  color: var(--v4v-text);
  font-size: 14px;
  font-weight: 700;
}

.v4v-control-card select,
.v4v-control-card input[type="number"] {
  flex: 0 0 86px;
  width: 86px;
  min-height: 42px;
  border: 1px solid #bcc8d4;
  border-radius: 8px;
  background: var(--v4v-white);
  color: var(--v4v-text);
  padding: 6px 9px;
  font: inherit;
  font-size: 16px;
}

.v4v-checkbox-card input[type="checkbox"] {
  flex: 0 0 auto;
  width: 21px;
  height: 21px;
  accent-color: var(--v4v-navy);
}

.v4v-spouse-aa {
  grid-column: 1 / -1;
}

.v4v-comp-note {
  margin-top: 14px;
  padding: 11px 13px;
  border-left: 4px solid var(--v4v-navy);
  background: var(--v4v-white);
  font-size: 13px;
}

.v4v-breakdown-wrap {
  margin-top: 12px;
  border-top: 1px solid var(--v4v-border);
}

.v4v-breakdown-toggle {
  min-height: 46px;
  padding: 10px 0 4px;
  font-size: 14px;
}

.v4v-comp-breakdown {
  margin-top: 10px;
  border: 1px solid var(--v4v-border);
  border-radius: 10px;
  overflow: hidden;
  background: var(--v4v-white);
}

.v4v-comp-breakdown[hidden] { display: none !important; }

.v4v-rate-source {
  margin: 12px 0 0;
  color: var(--v4v-muted);
  font-size: 12px;
}

.v4v-rate-source a { color: var(--v4v-navy); }

@media (max-width: 700px) {
  .v4v-compensation { padding: 17px; }
  .v4v-comp-title-row { flex-direction: column; }
  .v4v-payment-summary { grid-template-columns: 1fr; }
  .v4v-comp-controls { grid-template-columns: 1fr; }
  .v4v-spouse-aa { grid-column: auto; }
  .v4v-control-card { align-items: center; }
}


/* v0.5 navy + gold visual refresh */
.v4v-rating {
  border-color: var(--v4v-navy);
  background: var(--v4v-white);
  color: var(--v4v-navy);
}

.v4v-rating:hover,
.v4v-location:hover {
  border-color: var(--v4v-gold);
  background: var(--v4v-gold-soft);
}

.v4v-rating:active {
  background: var(--v4v-gold);
  color: var(--v4v-navy);
}

.v4v-secondary {
  border-color: var(--v4v-navy);
  background: var(--v4v-white);
  color: var(--v4v-navy);
}

.v4v-secondary:hover {
  border-color: var(--v4v-gold);
  background: var(--v4v-gold-soft);
}

.v4v-link-button {
  color: var(--v4v-gold-dark);
}

.v4v-rating-badge {
  border-color: var(--v4v-gold);
  background: var(--v4v-gold-soft);
}

.v4v-payment-summary {
  border-color: var(--v4v-gold);
}

.v4v-va-calculator small,
.v4v-va-calculator .v4v-rate-source {
  font-size: 12px;
}


/* v0.5.1 Elementor/theme override hardening.
   These selectors intentionally outrank Elementor global button styles. */
.v4v-va-calculator button.v4v-location,
.v4v-va-calculator button.v4v-rating {
  appearance: none;
  -webkit-appearance: none;
  background: var(--v4v-white) !important;
  background-color: var(--v4v-white) !important;
  color: var(--v4v-navy) !important;
  border: 1px solid var(--v4v-border) !important;
  border-radius: 10px !important;
  box-shadow: none !important;
  text-decoration: none !important;
}

.v4v-va-calculator button.v4v-location:hover,
.v4v-va-calculator button.v4v-rating:hover {
  background: var(--v4v-gold-soft) !important;
  background-color: var(--v4v-gold-soft) !important;
  color: var(--v4v-navy) !important;
  border-color: var(--v4v-gold) !important;
}

.v4v-va-calculator button.v4v-location.is-active {
  background: var(--v4v-navy) !important;
  background-color: var(--v4v-navy) !important;
  color: var(--v4v-white) !important;
  border-color: var(--v4v-gold) !important;
  box-shadow: inset 0 0 0 1px var(--v4v-gold) !important;
}

.v4v-va-calculator button.v4v-primary {
  appearance: none;
  -webkit-appearance: none;
  background: var(--v4v-gold) !important;
  background-color: var(--v4v-gold) !important;
  color: var(--v4v-navy-dark) !important;
  border: 1px solid var(--v4v-gold) !important;
  box-shadow: none !important;
  text-decoration: none !important;
}

.v4v-va-calculator button.v4v-primary:not(:disabled):hover {
  background: #b4871f !important;
  background-color: #b4871f !important;
  border-color: #b4871f !important;
  color: var(--v4v-navy-dark) !important;
}

.v4v-va-calculator button.v4v-primary:disabled {
  background: #e7ebef !important;
  background-color: #e7ebef !important;
  color: #6b7280 !important;
  border-color: #c7d0d9 !important;
  opacity: 1 !important;
  cursor: not-allowed;
}

.v4v-va-calculator button.v4v-link-button {
  appearance: none;
  -webkit-appearance: none;
  background: transparent !important;
  background-color: transparent !important;
  color: var(--v4v-gold-dark) !important;
  border: 0 !important;
  box-shadow: none !important;
  text-decoration: underline !important;
}

.v4v-va-calculator button.v4v-link-button:disabled {
  background: transparent !important;
  background-color: transparent !important;
  color: #7a8694 !important;
  opacity: .7 !important;
}

.v4v-va-calculator button.v4v-chip {
  background: var(--v4v-gold-soft) !important;
  background-color: var(--v4v-gold-soft) !important;
  color: var(--v4v-navy) !important;
  border: 1px solid var(--v4v-gold) !important;
  box-shadow: none !important;
}

.v4v-va-calculator button.v4v-secondary,
.v4v-va-calculator button.v4v-details-toggle,
.v4v-va-calculator button.v4v-breakdown-toggle {
  appearance: none;
  -webkit-appearance: none;
  box-shadow: none !important;
  text-decoration: none !important;
}

.v4v-va-calculator button.v4v-secondary {
  background: var(--v4v-white) !important;
  background-color: var(--v4v-white) !important;
  color: var(--v4v-navy) !important;
  border: 1px solid var(--v4v-navy) !important;
}

.v4v-va-calculator button.v4v-secondary:hover {
  background: var(--v4v-gold-soft) !important;
  background-color: var(--v4v-gold-soft) !important;
}

.v4v-va-calculator button.v4v-details-toggle,
.v4v-va-calculator button.v4v-breakdown-toggle {
  background: transparent !important;
  background-color: transparent !important;
  color: var(--v4v-navy) !important;
  border: 0 !important;
}


/* v0.5.2 minimum type floor without changing established larger type. */
.v4v-va-calculator { font-size: 12px; }
.v4v-va-calculator button,
.v4v-va-calculator input,
.v4v-va-calculator select {
  font-size: 12px !important;
}
.v4v-va-calculator .v4v-calc-kicker,
.v4v-va-calculator .v4v-help,
.v4v-va-calculator .v4v-raw-result span,
.v4v-va-calculator .v4v-rating-badge { font-size: 13px; }
.v4v-va-calculator .v4v-selections-head h3,
.v4v-va-calculator .v4v-details-title { font-size: 18px; }
.v4v-va-calculator .v4v-results h2 { font-size: clamp(48px, 9vw, 82px); }
.v4v-va-calculator .v4v-raw-result strong { font-size: 28px; }
.v4v-va-calculator .v4v-comp-title-row h3 { font-size: 23px; }
.v4v-va-calculator .v4v-comp-title-row p,
.v4v-va-calculator .v4v-comp-note { font-size: 14px; }
.v4v-va-calculator .v4v-payment-main strong { font-size: 34px; }
.v4v-va-calculator .v4v-payment-annual strong { font-size: 24px; }
.v4v-va-calculator .v4v-rate-source { font-size: 12px; }
.v4v-va-calculator .v4v-disclaimer { font-size: 13px; }

/* v0.6 polish pass: spacing, optional labels, selection chips, compensation flow */
.v4v-va-calculator .v4v-calc-card {
  padding-block: 24px;
}

.v4v-va-calculator .v4v-calc-intro {
  margin-bottom: 18px;
}

.v4v-name-field {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 5px;
  margin: 0 0 20px;
  max-width: 560px;
}

.v4v-name-label {
  color: var(--v4v-navy);
  font-weight: 700;
}

.v4v-name-field input[type="text"] {
  width: 100%;
  min-height: 44px;
  padding: 9px 12px;
  border: 1px solid var(--v4v-border);
  border-radius: 9px;
  background: var(--v4v-white);
  color: var(--v4v-text);
  box-shadow: none;
  font-family: inherit;
}

.v4v-name-field input[type="text"]:focus {
  outline: 3px solid rgba(198,154,46,.25);
  outline-offset: 1px;
  border-color: var(--v4v-gold);
}

.v4v-name-help {
  color: var(--v4v-muted);
  font-size: 12px;
}

.v4v-va-calculator .v4v-fieldset {
  margin-bottom: 20px;
}

.v4v-va-calculator .v4v-selections-wrap {
  padding: 16px;
}

.v4v-va-calculator .v4v-selections-head {
  margin-bottom: 10px;
}

.v4v-va-calculator button.v4v-chip {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  min-height: 42px;
  padding: 7px 10px 7px 12px;
  text-align: left;
}

.v4v-va-calculator .v4v-chip-copy {
  display: inline-flex;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 3px 7px;
  min-width: 0;
  margin: 0;
  color: var(--v4v-navy);
}

.v4v-va-calculator .v4v-chip-copy strong {
  color: var(--v4v-navy);
  font-weight: 700;
}

.v4v-va-calculator .v4v-chip-copy > span {
  margin: 0;
  color: var(--v4v-muted);
  font-weight: 600;
}

.v4v-va-calculator .v4v-chip-remove {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  margin: 0;
  border-radius: 50%;
  color: var(--v4v-navy);
  font-weight: 700;
  line-height: 1;
}

.v4v-va-calculator button.v4v-chip:hover .v4v-chip-remove {
  background: rgba(11,47,79,.08);
}

.v4v-va-calculator .v4v-results {
  padding-block: 24px;
}

.v4v-va-calculator .v4v-compensation {
  margin-top: 20px;
  padding: 20px;
  background: var(--v4v-white);
}

.v4v-va-calculator .v4v-payment-summary {
  margin-top: 16px;
}

.v4v-va-calculator .v4v-payment-main,
.v4v-va-calculator .v4v-payment-annual {
  padding: 16px 18px;
}

.v4v-va-calculator .v4v-payment-main small {
  display: block;
  margin-top: 6px;
  color: var(--v4v-muted);
  font-size: 12px;
}

.v4v-dependent-disclosure {
  margin-top: 14px;
  border: 1px solid var(--v4v-border);
  border-radius: 12px;
  background: var(--v4v-white);
  overflow: hidden;
}

.v4v-dependent-disclosure[hidden] {
  display: none !important;
}

.v4v-va-calculator button.v4v-dependent-toggle {
  appearance: none;
  -webkit-appearance: none;
  width: 100%;
  min-height: 58px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 12px 14px;
  border: 0 !important;
  background: var(--v4v-gold-soft) !important;
  background-color: var(--v4v-gold-soft) !important;
  color: var(--v4v-navy) !important;
  box-shadow: none !important;
  text-align: left;
  cursor: pointer;
}

.v4v-va-calculator button.v4v-dependent-toggle:hover {
  background: #ead7a4 !important;
  background-color: #ead7a4 !important;
}

.v4v-va-calculator button.v4v-dependent-toggle:focus-visible {
  outline: 3px solid rgba(198,154,46,.38);
  outline-offset: -3px;
}

.v4v-dependent-toggle-copy {
  display: grid;
  gap: 2px;
  min-width: 0;
}

.v4v-dependent-toggle-copy strong {
  color: var(--v4v-navy);
  font-size: 14px;
}

.v4v-dependent-toggle-copy small {
  color: var(--v4v-muted);
  font-size: 12px;
  font-weight: 500;
}

.v4v-va-calculator button.v4v-dependent-toggle.is-open .v4v-chevron {
  transform: rotate(180deg);
}

.v4v-va-calculator .v4v-dependents-panel {
  margin: 0;
  padding: 16px;
  border: 0;
  border-top: 1px solid var(--v4v-border);
  border-radius: 0;
  background: var(--v4v-white);
}

.v4v-va-calculator .v4v-comp-controls {
  margin-top: 12px;
}

.v4v-va-calculator .v4v-control-card {
  background: var(--v4v-panel);
}

.v4v-va-calculator .v4v-comp-note {
  margin-top: 14px;
}

.v4v-va-calculator .v4v-breakdown-wrap {
  margin-top: 14px;
}

@media (max-width: 700px) {
  .v4v-name-field { max-width: none; }
  .v4v-va-calculator .v4v-calc-card,
  .v4v-va-calculator .v4v-results { padding-block: 18px; }
  .v4v-va-calculator .v4v-compensation { padding: 16px; }
  .v4v-va-calculator button.v4v-chip { width: 100%; justify-content: space-between; }
  .v4v-va-calculator .v4v-chip-copy { flex-direction: column; align-items: flex-start; }
}

/* v0.7 SMC payment-estimate controls */
.v4v-smc-section {
  margin-bottom: 18px;
  padding: 15px;
  border: 1px solid var(--v4v-gold);
  border-radius: 10px;
  background: #fbf8ee;
}

.v4v-smc-heading h4 {
  margin: 0 0 3px;
  color: var(--v4v-navy);
  font-size: 17px;
}

.v4v-smc-heading p {
  margin: 0;
  color: var(--v4v-muted);
  font-size: 13px;
}

.v4v-smc-controls {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 12px;
}

.v4v-smc-controls .v4v-control-card {
  background: var(--v4v-white);
}

.v4v-smc-controls .v4v-control-card select {
  flex: 0 0 150px;
  width: 150px;
  min-height: 42px;
  border: 1px solid #bcc8d4;
  border-radius: 8px;
  background: var(--v4v-white);
  color: var(--v4v-text);
  padding: 6px 9px;
  font-family: inherit;
  font-size: 12px !important;
}

.v4v-smc-note {
  margin-top: 10px;
  color: var(--v4v-muted);
  font-size: 12px;
  line-height: 1.5;
}

.v4v-va-calculator .v4v-control-card input:disabled,
.v4v-va-calculator .v4v-control-card select:disabled {
  opacity: .55;
  cursor: not-allowed;
  background: #eef1f4;
}

@media (max-width: 700px) {
  .v4v-smc-controls { grid-template-columns: 1fr; }
  .v4v-smc-controls .v4v-control-card { align-items: center; }
  .v4v-smc-controls .v4v-control-card select { flex-basis: 132px; width: 132px; }
}

/* v0.7.2 disclosure, rating prominence, and SMC-K segmented controls */
.v4v-va-calculator button.v4v-details-toggle,
.v4v-va-calculator button.v4v-breakdown-toggle,
.v4v-va-calculator button.v4v-dependent-toggle {
  justify-content: flex-start;
}

.v4v-va-calculator .v4v-chevron {
  flex: 0 0 auto;
  width: auto;
  height: auto;
  font-size: 12px;
  line-height: 1;
  transition: none;
}

.v4v-va-calculator button.v4v-details-toggle.is-open .v4v-chevron,
.v4v-va-calculator button.v4v-breakdown-toggle.is-open .v4v-chevron,
.v4v-va-calculator button.v4v-dependent-toggle.is-open .v4v-chevron {
  transform: none !important;
}

.v4v-va-calculator button.v4v-details-toggle,
.v4v-va-calculator button.v4v-breakdown-toggle {
  gap: 9px;
}

.v4v-va-calculator button.v4v-dependent-toggle {
  gap: 10px;
}


.v4v-smc-k-card {
  display: block;
  border-color: var(--v4v-gold);
  background: #fffdf7 !important;
}

.v4v-smc-k-card .v4v-control-label {
  display: block;
  margin-bottom: 9px;
}

.v4v-smc-k-buttons {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 7px;
}

.v4v-va-calculator button.v4v-smc-k-button {
  appearance: none;
  -webkit-appearance: none;
  min-width: 0;
  min-height: 42px;
  padding: 7px 8px;
  border: 1px solid #bcc8d4 !important;
  border-radius: 8px !important;
  background: var(--v4v-white) !important;
  background-color: var(--v4v-white) !important;
  color: var(--v4v-navy) !important;
  box-shadow: none !important;
  font-weight: 800;
  text-align: center;
  cursor: pointer;
}

.v4v-va-calculator button.v4v-smc-k-button:hover:not(:disabled) {
  border-color: var(--v4v-gold) !important;
  background: var(--v4v-gold-soft) !important;
  background-color: var(--v4v-gold-soft) !important;
}

.v4v-va-calculator button.v4v-smc-k-button.is-active {
  border-color: var(--v4v-gold) !important;
  background: var(--v4v-gold) !important;
  background-color: var(--v4v-gold) !important;
  color: var(--v4v-navy-dark) !important;
}

.v4v-va-calculator button.v4v-smc-k-button:focus-visible {
  outline: 3px solid rgba(198,154,46,.38);
  outline-offset: 2px;
}

.v4v-va-calculator button.v4v-smc-k-button:disabled {
  cursor: not-allowed;
  opacity: .52;
  background: #eef1f4 !important;
  background-color: #eef1f4 !important;
  border-color: #c7d0d9 !important;
  color: #6b7280 !important;
}

.v4v-smc-k-help {
  display: block;
  margin-top: 8px;
  color: var(--v4v-muted);
  font-size: 12px;
  font-weight: 500;
  line-height: 1.4;
}

@media (max-width: 700px) {
  .v4v-comp-title-row {
    flex-direction: row;
    align-items: flex-start;
  }

}

@media (max-width: 430px) {
  .v4v-comp-title-row {
    flex-direction: column;
  }

}


/* v0.7.4 compensation header cleanup */
.v4v-copyright {
  margin-top: 10px;
  text-align: center;
  color: var(--v4v-muted);
  font-size: 12px;
  font-weight: 600;
  line-height: 1.4;
}

/* v0.7.5 downloadable PDF results */
.v4v-va-calculator button.v4v-download-pdf {
  appearance: none;
  -webkit-appearance: none;
  min-height: 48px;
  border: 1px solid var(--v4v-gold) !important;
  border-radius: 10px !important;
  background: var(--v4v-gold) !important;
  background-color: var(--v4v-gold) !important;
  color: var(--v4v-navy-dark) !important;
  padding: 11px 18px;
  font: inherit;
  font-weight: 800;
  box-shadow: none !important;
  cursor: pointer;
}

.v4v-va-calculator button.v4v-download-pdf:hover:not(:disabled) {
  border-color: #b4871f !important;
  background: #b4871f !important;
  background-color: #b4871f !important;
}

.v4v-va-calculator button.v4v-download-pdf:focus-visible {
  outline: 3px solid rgba(198,154,46,.38);
  outline-offset: 2px;
}

.v4v-va-calculator button.v4v-download-pdf:disabled {
  opacity: .58;
  cursor: wait;
}

@media (max-width: 520px) {
  .v4v-va-calculator .v4v-result-actions {
    flex-direction: column;
  }

  .v4v-va-calculator button.v4v-download-pdf,
  .v4v-va-calculator .v4v-result-actions .v4v-secondary {
    width: 100%;
  }
}


/* v0.8.3 usability and readability pass */
.v4v-va-calculator {
  font-size: 15px;
  line-height: 1.55;
}

.v4v-va-calculator button,
.v4v-va-calculator input,
.v4v-va-calculator select {
  font-size: 15px !important;
}

.v4v-va-calculator .v4v-calc-card {
  padding: 28px;
}

.v4v-va-calculator .v4v-calc-kicker {
  font-size: 13px;
}

.v4v-va-calculator .v4v-calc-intro {
  font-size: 15px;
  margin-bottom: 22px;
}

.v4v-step-legend,
.v4v-name-step {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--v4v-navy);
  font-size: 16px;
  font-weight: 800;
  line-height: 1.3;
}

.v4v-step-number {
  display: inline-flex;
  flex: 0 0 30px;
  width: 30px;
  height: 30px;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--v4v-navy);
  color: var(--v4v-white);
  font-size: 15px;
  font-weight: 800;
  line-height: 1;
}

.v4v-va-calculator .v4v-fieldset legend.v4v-step-legend {
  margin-bottom: 12px;
}

.v4v-location-help {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 12px;
  padding: 12px 14px;
  border: 1px solid #d7e1ea;
  border-radius: 10px;
  background: #f3f7fb;
  color: var(--v4v-muted);
  font-size: 14px;
}

.v4v-location-help p {
  margin: 0;
}

.v4v-location-help strong {
  color: var(--v4v-navy);
}

.v4v-info-icon {
  display: inline-flex;
  flex: 0 0 22px;
  width: 22px;
  height: 22px;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
  border: 2px solid #2d6ea3;
  border-radius: 999px;
  color: #2d6ea3;
  font-size: 13px;
  font-weight: 800;
  font-family: Georgia, serif;
  line-height: 1;
}

.v4v-name-field {
  gap: 7px;
  max-width: none;
  margin: 0 0 22px;
  padding-top: 2px;
}

.v4v-name-label {
  color: var(--v4v-navy);
}

.v4v-optional {
  color: var(--v4v-muted);
  font-weight: 600;
}

.v4v-name-field input[type="text"] {
  min-height: 46px;
  border-color: #bcc8d4;
  background: #fbfcfd;
  font-size: 15px !important;
}

.v4v-name-field input[type="text"]:disabled {
  background: #f2f4f6;
  color: #71767a;
  cursor: not-allowed;
  opacity: 1;
}

.v4v-name-help {
  color: var(--v4v-muted);
  font-size: 14px;
  line-height: 1.45;
}

/* v0.8.5: keep Step 3 and its helper text in sentence case across themes */
.v4v-va-calculator .v4v-name-step,
.v4v-va-calculator .v4v-name-help,
.v4v-va-calculator .v4v-optional {
  text-transform: none !important;
  letter-spacing: normal !important;
}

.v4v-va-calculator .v4v-name-step {
  font-weight: 800 !important;
}

.v4v-va-calculator .v4v-name-help {
  font-weight: 400 !important;
}

.v4v-va-calculator .v4v-optional {
  font-weight: 500 !important;
}

.v4v-va-calculator .v4v-help,
.v4v-va-calculator .v4v-empty {
  font-size: 14px;
}

.v4v-va-calculator .v4v-selections-head h3 {
  font-size: 18px;
}

.v4v-va-calculator .v4v-disclaimer {
  font-size: 14px;
  line-height: 1.55;
}

.v4v-va-calculator .v4v-rate-source,
.v4v-copyright,
.v4v-smc-k-help {
  font-size: 13px;
}

.v4v-va-calculator button.v4v-smc-k-button {
  min-height: 46px;
}

@media (max-width: 700px) {
  .v4v-va-calculator {
    font-size: 15px;
  }

  .v4v-va-calculator .v4v-calc-card,
  .v4v-va-calculator .v4v-results {
    padding: 20px;
  }

  .v4v-step-legend,
  .v4v-name-step {
    font-size: 15px;
  }

  .v4v-location-help {
    font-size: 13.5px;
  }
}


/* v0.8.4 mobile-first hardening */
@media (max-width: 700px) {
  .v4v-va-calculator {
    min-width: 0;
    line-height: 1.55;
  }

  .v4v-va-calculator .v4v-calc-card,
  .v4v-va-calculator .v4v-results {
    min-width: 0;
    overflow: visible;
  }

  .v4v-va-calculator .v4v-calc-card h2 {
    font-size: 30px !important;
    line-height: 1.12 !important;
    letter-spacing: -.015em;
    overflow-wrap: normal;
    word-break: normal;
    hyphens: none;
  }

  .v4v-va-calculator .v4v-calc-intro {
    font-size: 16px;
    line-height: 1.5;
    margin-bottom: 22px;
  }

  .v4v-va-calculator button,
  .v4v-va-calculator input,
  .v4v-va-calculator select {
    font-size: 16px !important;
  }

  .v4v-va-calculator button.v4v-location,
  .v4v-va-calculator button.v4v-rating,
  .v4v-va-calculator button.v4v-smc-k-button,
  .v4v-va-calculator button.v4v-primary,
  .v4v-va-calculator button.v4v-secondary,
  .v4v-va-calculator button.v4v-download-pdf {
    min-height: 48px;
  }

  .v4v-step-legend,
  .v4v-name-step {
    font-size: 16px;
    line-height: 1.3;
  }

  .v4v-name-step,
  .v4v-name-help,
  .v4v-optional {
    text-transform: none !important;
  }

  .v4v-name-help {
    font-size: 14px;
    font-weight: 400 !important;
    letter-spacing: normal !important;
  }

  .v4v-optional {
    font-size: .92em;
    font-weight: 500 !important;
  }

  .v4v-location-help {
    gap: 10px;
    padding: 12px;
    font-size: 14px;
    line-height: 1.48;
  }

  .v4v-info-icon {
    flex-basis: 24px;
    width: 24px;
    height: 24px;
  }

  .v4v-va-calculator .v4v-selections-wrap {
    padding: 16px;
  }

  .v4v-va-calculator .v4v-selections-head {
    align-items: flex-start;
  }

  .v4v-va-calculator button.v4v-link-button {
    min-height: 44px;
    padding: 8px;
  }

  .v4v-va-calculator button.v4v-chip {
    min-height: 48px;
    border-radius: 12px !important;
  }

  .v4v-va-calculator .v4v-chip-remove {
    width: 28px;
    height: 28px;
  }

  .v4v-va-calculator .v4v-payment-main span,
  .v4v-va-calculator .v4v-payment-annual span,
  .v4v-va-calculator .v4v-payment-main small,
  .v4v-va-calculator .v4v-dependents-heading p,
  .v4v-va-calculator .v4v-smc-heading p,
  .v4v-va-calculator .v4v-smc-note,
  .v4v-va-calculator .v4v-smc-k-help,
  .v4v-va-calculator .v4v-rate-source {
    font-size: 14px;
  }

  .v4v-va-calculator .v4v-disclaimer {
    font-size: 14.5px;
    line-height: 1.58;
  }

  .v4v-va-calculator .v4v-copyright {
    font-size: 13px;
  }
}

/* Phones: break the calculator out of narrow Elementor columns and use the viewport. */
@media (max-width: 520px) {
  .v4v-va-calculator {
    position: relative;
    left: 50%;
    transform: translateX(-50%);
    width: calc(100vw - 16px);
    max-width: calc(100vw - 16px);
    margin-left: 0 !important;
    margin-right: 0 !important;
  }

  .v4v-va-calculator .v4v-calc-card,
  .v4v-va-calculator .v4v-results {
    padding: 18px 16px;
    border-radius: 12px;
  }

  .v4v-va-calculator .v4v-calc-card h2 {
    font-size: 28px !important;
  }

  .v4v-va-calculator .v4v-calc-kicker {
    font-size: 12px;
    line-height: 1.35;
  }

  .v4v-va-calculator .v4v-location-grid,
  .v4v-va-calculator .v4v-rating-grid {
    gap: 10px;
  }

  .v4v-va-calculator .v4v-fieldset {
    margin-bottom: 22px;
  }

  .v4v-va-calculator .v4v-name-field {
    margin-bottom: 20px;
  }

  .v4v-va-calculator .v4v-name-field input[type="text"] {
    min-height: 48px;
    font-size: 16px !important;
  }

  .v4v-va-calculator .v4v-results h2 {
    font-size: clamp(52px, 18vw, 72px);
  }

  .v4v-va-calculator .v4v-raw-result strong {
    font-size: 26px;
  }

  .v4v-va-calculator .v4v-compensation {
    padding: 14px;
  }

  .v4v-va-calculator .v4v-comp-title-row h3 {
    font-size: 21px;
  }

  .v4v-va-calculator .v4v-payment-main,
  .v4v-va-calculator .v4v-payment-annual {
    padding: 16px;
  }

  .v4v-va-calculator .v4v-payment-main strong {
    font-size: clamp(32px, 11vw, 42px);
    overflow-wrap: anywhere;
  }

  .v4v-va-calculator .v4v-payment-annual strong {
    font-size: 22px;
  }

  .v4v-va-calculator .v4v-dependents-panel {
    padding: 14px;
  }

  .v4v-va-calculator .v4v-smc-section {
    padding: 13px;
  }

  .v4v-va-calculator .v4v-control-card:not(.v4v-checkbox-card):not(.v4v-smc-k-card) {
    flex-direction: column;
    align-items: stretch;
  }

  .v4v-va-calculator .v4v-control-card:not(.v4v-checkbox-card) select,
  .v4v-va-calculator .v4v-control-card:not(.v4v-checkbox-card) input[type="number"],
  .v4v-va-calculator .v4v-smc-controls .v4v-control-card select {
    flex: 1 1 auto;
    width: 100%;
    min-height: 48px;
  }

  .v4v-va-calculator .v4v-result-actions {
    width: 100%;
  }

  .v4v-va-calculator button.v4v-download-pdf,
  .v4v-va-calculator .v4v-result-actions .v4v-secondary {
    width: 100%;
  }
}

@media (max-width: 380px) {
  .v4v-va-calculator {
    width: calc(100vw - 12px);
    max-width: calc(100vw - 12px);
  }

  .v4v-va-calculator .v4v-calc-card,
  .v4v-va-calculator .v4v-results {
    padding-left: 14px;
    padding-right: 14px;
  }

  .v4v-va-calculator .v4v-calc-card h2 {
    font-size: 26px !important;
  }

  .v4v-va-calculator .v4v-smc-k-buttons {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px;
  }
}