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var(--border-strong);border-radius:var(--radius-md);background:#fafbfceb;align-items:center;display:flex}.rate-input:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px var(--focus-ring)}.rate-input b{color:var(--text-faint)}.rate-input input{min-height:54px;box-shadow:none;background:0 0;border:0}.rate-input input:focus{box-shadow:none}.rate-continue{margin-top:var(--space-6)}.rate-continue:disabled{opacity:.58;cursor:wait}.rate-consent{margin-top:var(--space-4)!important;color:var(--text-faint)!important;font-size:var(--text-xs)!important}.rate-error{margin-top:var(--space-4);padding:var(--space-3) var(--space-4);color:#8d1019;border-left:3px solid var(--brand);font-size:var(--text-sm);background:#fff0f1;font-weight:600}.rate-done{padding-block:clamp(2rem,7vw,5rem)}.rate-done__mark{width:58px;height:58px;margin-bottom:var(--space-6);color:#fff;font-size:var(--text-2xl);background:#246344;border-radius:50%;place-items:center;font-weight:800;display:grid}.rate-done p{max-width:48ch;margin-block:var(--space-5) var(--space-7);color:var(--text-body);font-size:var(--text-xl);line-height:var(--leading-normal)}.rate-done p a{color:var(--brand);text-underline-offset:3px;font-weight:700;text-decoration:underline}.talk-section{scroll-margin-top:88px}.talk-layout{grid-template-columns:minmax(0,.72fr) minmax(0,1.28fr);align-items:start;gap:clamp(2.5rem,6vw,6rem);display:grid}.talk-heading{margin-bottom:0}.talk-wizard{border:1px solid var(--border-subtle);background:#fafbfcf5;border-radius:8px 8px 24px 24px;min-width:0;overflow:hidden;box-shadow:0 32px 80px -62px #2a3342c7}.talk-wizard__chrome{justify-content:space-between;align-items:center;gap:var(--space-4);padding:var(--space-4) clamp(1.1rem, 3vw, 2rem);background:var(--surface-card);border-bottom:1px solid var(--border-subtle);display:flex}.talk-progress{min-width:0}.talk-progress .rate-progress__bar{width:min(13rem,28vw)}.talk-wizard__reassure{color:var(--text-muted);font-size:var(--text-xs);white-space:nowrap;font-weight:700}.talk-form{padding:clamp(1.1rem,3vw,2rem) clamp(1.1rem,4vw,2.75rem) clamp(1.75rem,4vw,3rem)}.talk-wizard__nav{min-height:44px}.talk-back{text-align:left;min-width:7.5rem}.talk-wizard__viewport{overflow:hidden}.talk-wizard__track{width:500%;transform:translate3d(calc(var(--talk-step) * -20%), 0, 0);will-change:transform;grid-template-columns:repeat(5,minmax(0,1fr));align-items:stretch;transition:transform .4s cubic-bezier(.16,1,.3,1);display:grid}.talk-screen{min-width:0;padding:clamp(.75rem, 2vw, 1.5rem) 2px var(--space-2)}.talk-screen h3,.talk-success h3{max-width:17ch;color:var(--text-strong);font-family:var(--font-serif);letter-spacing:var(--tracking-tight);text-wrap:balance;font-size:clamp(2rem,1.45rem + 1.5vw,2.75rem);font-weight:500;line-height:1.08}.talk-screen h3:focus,.talk-success h3:focus{outline:none}.talk-screen>h3+p{max-width:54ch;margin-top:var(--space-3);color:var(--text-muted);font-size:var(--text-base);line-height:var(--leading-normal)}.talk-choices{margin-top:var(--space-5)}.talk-choice{min-height:82px;padding:var(--space-4)}.talk-choice b{font-size:var(--text-base)}.talk-choice:focus-visible,.talk-back:focus-visible{outline:3px solid var(--focus-ring);outline-offset:3px}.talk-location{margin-top:var(--space-6)}.talk-location label span small,.talk-fields label>span small{color:var(--text-muted);font-size:inherit;font-weight:500}.talk-location__actions,.talk-success__actions{gap:var(--space-3);margin-top:var(--space-5);flex-wrap:wrap;display:flex}.talk-form .rate-fields{margin-top:var(--space-5)}.talk-fields--contact{grid-template-columns:repeat(2,minmax(0,1fr))}.talk-field--wide{grid-column:1/-1}.talk-fields select,.talk-fields textarea{width:100%;color:var(--text-strong);border:1.5px solid var(--border-strong);border-radius:var(--radius-md);font:inherit;font-size:var(--text-base);background:#fafbfceb}.talk-fields select{min-height:58px;padding:0 var(--space-4)}.talk-fields textarea{min-height:112px;padding:var(--space-4);resize:vertical;line-height:var(--leading-normal)}.talk-fields select:focus,.talk-fields textarea:focus{border-color:var(--brand);box-shadow:0 0 0 3px var(--focus-ring);outline:0}.talk-honeypot{width:1px!important;height:1px!important;position:absolute!important;left:-10000px!important;overflow:hidden!important}.talk-turnstile{min-height:1px;margin-top:var(--space-3)}.talk-turnstile p{margin-top:var(--space-2);color:var(--text-faint);font-size:var(--text-xs)}.talk-status{min-height:58px}.talk-status:empty{display:block}.talk-success{min-height:620px;padding:clamp(2rem,7vw,4.5rem) clamp(1.1rem,4vw,2.75rem)}.talk-success p{margin-bottom:var(--space-5)}.talk-success__actions{margin-top:0}@keyframes rate-screen-in{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}@media (max-width:1240px){.ff-header__nav,.ff-header__broker{display:none}.ff-header__actions{margin-left:auto}.ff-menu-toggle{flex:none;display:grid}}@media (max-width:560px){.ff-header__actions>.ff-btn,.ff-header__actions{display:none}.ff-menu-toggle{margin-left:auto}.self-employed-band{flex-direction:column;align-items:flex-start}.rate-wizard{padding-top:0}.rate-wizard>.ff-container{padding-inline:0}.rate-wizard__surface{border:0;border-radius:0;min-height:calc(100dvh - 72px)}.rate-wizard__chrome{padding:var(--space-4) var(--gutter);align-items:flex-start}.rate-wizard__reassure{text-align:right;max-width:12rem;font-size:var(--text-xs)}.rate-progress{min-width:0}.rate-progress__bar{width:28vw}.rate-wizard__body{padding-inline:var(--gutter)}.rate-screen{margin-top:var(--space-3)}.rate-screen h1{max-width:14ch}.rate-choices,.rate-fields--two{grid-template-columns:1fr}.rate-choice{min-height:78px}.talk-layout{gap:var(--space-7);grid-template-columns:1fr}.talk-section{scroll-margin-top:80px}.talk-wizard__chrome{align-items:flex-start}.talk-progress .rate-progress__bar{width:30vw}.talk-wizard__reassure{text-align:right;white-space:normal;max-width:9rem}.talk-form{padding-inline:var(--gutter)}.talk-fields--contact{grid-template-columns:1fr}.talk-field--wide{grid-column:auto}.talk-location__actions,.talk-success__actions{flex-direction:column;align-items:stretch}.talk-location__actions .ff-btn,.talk-success__actions .ff-btn{width:100%}.talk-success{min-height:780px;padding-inline:var(--gutter)}}@media (prefers-reduced-motion:reduce){.ff-menu,.ff-menu__panel,.rate-progress__bar span{transition:none}.rate-screen{animation:none}.talk-wizard__track{transition:none}}