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(min-width:1024px){.icon-grid{grid-template-columns:repeat(4,1fr)}.icon-grid.icon-grid-3{grid-template-columns:repeat(3,1fr)}}.icon-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px}.icon-card p{font-size:15px;margin-bottom:0}.steps-grid{display:grid;gap:20px;grid-template-columns:1fr;margin-top:24px;counter-reset:step}@media (min-width:768px){.steps-grid{grid-template-columns:repeat(3,1fr)}}.step-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;counter-increment:step}.step-card:before{content:counter(step);display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;background:var(--color-cta);color:#fff;font-weight:700;margin-bottom:12px}.carrier-row{display:flex;flex-wrap:wrap;align-items:center;gap:28px 40px;margin-top:20px}.data-table-wrap{overflow-x:auto;margin:20px 0}.data-table{width:100%;border-collapse:collapse;background:var(--surface);font-size:15px}.data-table th{background:var(--color-primary);color:#fff;text-align:left;padding:12px 14px}.data-table td{border:1px solid var(--border);padding:12px 14px;vertical-align:top}.data-table tr:nth-child(2n) td{background:var(--bg-1)}.faq-list{margin-top:20px}.faq-item{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-md);margin-bottom:12px}.faq-item summary{cursor:pointer;font-weight:700;color:var(--color-primary);padding:16px 20px}.faq-answer{padding:0 20px 16px}.irmaa-calc{background:var(--surface);border:1px solid var(--color-primary);border-radius:var(--radius-lg);padding:28px;margin:24px 0}.irmaa-calc fieldset{border:none;margin-bottom:18px}.irmaa-calc label,.irmaa-calc legend{font-weight:600;color:var(--color-text);display:block;margin-bottom:6px}.irmaa-calc input[type=number],.irmaa-calc select{width:100%;max-width:420px;padding:10px 12px;border:1px solid var(--border);border-radius:var(--radius-md);font:inherit}.irmaa-calc .radio-row{display:flex;gap:20px}.irmaa-calc .radio-row label{display:inline-flex;align-items:center;gap:8px;font-weight:500}.irmaa-result{border-top:2px solid var(--color-primary);margin-top:18px;padding-top:18px}.irmaa-result .total{font-size:1.6rem;font-weight:700;color:var(--color-primary)}.hover\:bg-cta-hover:hover{background-color:var(--color-cta-hover)}.hover\:\!text-white:hover{--tw-text-opacity:1!important;color:rgb(255 255 255/var(--tw-text-opacity,1))!important}.hover\:text-cta:hover{color:var(--color-cta)}@media (min-width:640px){.sm\:grid-cols-4{grid-template-columns:repeat(4,minmax(0,1fr))}.sm\:border-l{border-left-width:1px}.sm\:border-black\/10{border-color:rgba(0,0,0,.1)}.sm\:pl-5{padding-left:1.25rem}}@media (min-width:768px){.md\:flex{display:flex}.md\:hidden{display:none}.md\:grid-cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (min-width:1024px){.lg\:grid-cols-\[1\.4fr_1fr_1fr_1\.2fr\]{grid-template-columns:1.4fr 1fr 1fr 1.2fr}.lg\:grid-cols-\[7fr_5fr\]{grid-template-columns:7fr 5fr}}