/* ToolVerse insurance cluster: small, namespaced additions over guides.css. */
.insurance-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.insurance-form-grid label{display:grid;gap:7px;color:#e8fbff;font-size:14px;font-weight:750}.insurance-form-grid input,.insurance-form-grid select{width:100%;min-height:46px;border:1px solid rgba(255,255,255,.12);border-radius:12px;background:rgba(7,17,31,.62);color:#fff;padding:11px 12px;outline:none}.insurance-form-grid input:focus,.insurance-form-grid select:focus{border-color:#67e8f9;box-shadow:0 0 0 3px rgba(103,232,249,.14)}.insurance-form-grid .optional{display:inline;color:#8ea1bb;font-size:12px;font-weight:600}.insurance-cta-panel{margin-top:22px;padding:18px;border:1px solid rgba(103,232,249,.3);border-radius:16px;background:linear-gradient(135deg,rgba(8,47,73,.58),rgba(49,46,129,.34))}.insurance-cta-panel h3{margin:0;color:#fff;font-size:19px}.insurance-cta-panel p{margin:8px 0 14px;color:#ccecf4;font-size:14px;line-height:1.55}.insurance-cta{display:inline-flex;min-height:44px;align-items:center;justify-content:center;border:0;border-radius:11px;padding:11px 16px;background:linear-gradient(135deg,#67e8f9,#a78bfa);color:#07111f;font-weight:850;text-decoration:none}.insurance-cta[disabled]{cursor:not-allowed;opacity:.72}.insurance-cta-note{display:block;margin-top:9px;color:#a8b6cc;font-size:12px}.insurance-table{width:100%;border-collapse:collapse;font-size:13px}.insurance-table caption{padding:0 0 10px;color:#a8bed4;text-align:left;font-size:13px}.insurance-table th,.insurance-table td{padding:11px 10px;border-bottom:1px solid rgba(255,255,255,.1);vertical-align:top;text-align:left}.insurance-table th{color:#e8fbff;font-weight:800}.insurance-table td{color:#c4d4e8}.table-wrap{overflow-x:auto;border:1px solid rgba(255,255,255,.1);border-radius:14px;background:rgba(7,17,31,.3)}.insurance-metric{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:16px}.insurance-metric-card{padding:15px;border:1px solid rgba(255,255,255,.11);border-radius:14px;background:rgba(7,17,31,.48)}.insurance-metric-card span{display:block;color:#aebfd4;font-size:12px}.insurance-metric-card strong{display:block;margin-top:6px;color:#fff;font-size:22px}.insurance-result-copy{margin-top:15px;color:#d9f9ff;line-height:1.6}.insurance-result-list{margin:14px 0 0;padding-left:20px;color:#c4d4e8;line-height:1.65}.insurance-result-list li+li{margin-top:5px}@media(max-width:800px){.insurance-form-grid,.insurance-metric{grid-template-columns:1fr}.insurance-table{min-width:620px}.insurance-cta{width:100%}}