.pwm-iht-calculator {
	--pwm-iht-navy: #182A51;
	--pwm-iht-steel: #515E7E;
	--pwm-iht-blue: #B0BFE4;
	--pwm-iht-mist: #CED5E9;
	--pwm-iht-porcelain: #F7F9FD;
	--pwm-iht-white: #ffffff;
	--pwm-iht-ink: #101828;
	--pwm-iht-muted: #5f6b85;
	--pwm-iht-shadow: 0 24px 70px rgba(24, 42, 81, 0.14);
	color: var(--pwm-iht-ink);
	font-family: inherit;
	margin: 32px auto;
	max-width: 1120px;
}

.pwm-iht-calculator *,
.pwm-iht-calculator *::before,
.pwm-iht-calculator *::after {
	box-sizing: border-box;
}

.pwm-iht-shell {
	background: var(--pwm-iht-porcelain);
	border: 1px solid var(--pwm-iht-mist);
	border-radius: 8px;
	box-shadow: var(--pwm-iht-shadow);
	overflow: hidden;
}

.pwm-iht-intro {
	background: linear-gradient(135deg, var(--pwm-iht-navy), var(--pwm-iht-steel));
	color: var(--pwm-iht-white);
	padding: 34px clamp(22px, 5vw, 56px);
}

.pwm-iht-kicker,
.pwm-iht-section-kicker {
	font-size: 0.76rem;
	font-weight: 700;
	letter-spacing: 0.08em;
	line-height: 1.4;
	margin: 0 0 8px;
	text-transform: uppercase;
}

.pwm-iht-title {
	color: var(--pwm-iht-white);
	font-size: clamp(2rem, 4vw, 3.45rem);
	font-weight: 700;
	line-height: 1.05;
	margin: 0;
}

.pwm-iht-subtitle {
	color: rgba(255, 255, 255, 0.86);
	font-size: 1.05rem;
	line-height: 1.6;
	margin: 18px 0 0;
	max-width: 760px;
}

.pwm-iht-progress {
	background: var(--pwm-iht-white);
	border-bottom: 1px solid var(--pwm-iht-mist);
	display: grid;
	grid-template-columns: repeat(4, minmax(0, 1fr));
}

.pwm-iht-step-tab {
	align-items: center;
	background: transparent;
	border: 0;
	border-right: 1px solid var(--pwm-iht-mist);
	color: var(--pwm-iht-steel);
	cursor: pointer;
	display: flex;
	font: inherit;
	gap: 10px;
	justify-content: center;
	min-height: 64px;
	padding: 10px;
	text-align: left;
}

.pwm-iht-step-tab:last-child {
	border-right: 0;
}

.pwm-iht-step-tab.pwm-iht-is-active {
	background: var(--pwm-iht-porcelain);
	color: var(--pwm-iht-navy);
}

.pwm-iht-step-number {
	align-items: center;
	background: var(--pwm-iht-mist);
	border-radius: 999px;
	display: inline-flex;
	font-size: 0.82rem;
	font-weight: 700;
	height: 30px;
	justify-content: center;
	width: 30px;
}

.pwm-iht-step-tab.pwm-iht-is-active .pwm-iht-step-number {
	background: var(--pwm-iht-navy);
	color: var(--pwm-iht-white);
}

.pwm-iht-step-label {
	font-size: 0.92rem;
	font-weight: 700;
	line-height: 1.2;
}

.pwm-iht-form,
.pwm-iht-results {
	padding: clamp(24px, 5vw, 52px);
}

.pwm-iht-step[hidden],
.pwm-iht-results[hidden],
.pwm-iht-transfer-panel[hidden],
.pwm-iht-gifts-panel[hidden] {
	display: none !important;
}

.pwm-iht-section-head {
	margin-bottom: 24px;
}

.pwm-iht-section-kicker {
	color: var(--pwm-iht-steel);
}

.pwm-iht-section-title {
	color: var(--pwm-iht-navy);
	font-size: clamp(1.4rem, 3vw, 2rem);
	font-weight: 700;
	line-height: 1.18;
	margin: 0;
}

.pwm-iht-field-grid {
	display: grid;
	gap: 18px;
	grid-template-columns: repeat(2, minmax(0, 1fr));
}

.pwm-iht-field,
.pwm-iht-fieldset {
	background: var(--pwm-iht-white);
	border: 1px solid var(--pwm-iht-mist);
	border-radius: 8px;
	margin: 0;
	min-width: 0;
	padding: 18px;
}

.pwm-iht-field-wide {
	grid-column: 1 / -1;
}

.pwm-iht-label,
.pwm-iht-legend {
	color: var(--pwm-iht-navy);
	display: block;
	font-size: 0.9rem;
	font-weight: 700;
	line-height: 1.35;
	margin: 0 0 10px;
	padding: 0;
}

.pwm-iht-hint {
	color: var(--pwm-iht-muted);
	font-size: 0.83rem;
	line-height: 1.45;
	margin: 8px 0 0;
}

.pwm-iht-input,
.pwm-iht-textarea,
.pwm-iht-calculator select {
	background: var(--pwm-iht-white);
	border: 1px solid var(--pwm-iht-mist);
	border-radius: 6px;
	color: var(--pwm-iht-ink);
	font: inherit;
	min-height: 46px;
	outline: none;
	padding: 11px 13px;
	width: 100%;
}

.pwm-iht-input:focus,
.pwm-iht-textarea:focus,
.pwm-iht-calculator select:focus {
	border-color: var(--pwm-iht-navy);
	box-shadow: 0 0 0 3px rgba(176, 191, 228, 0.48);
}

.pwm-iht-textarea {
	min-height: 118px;
	resize: vertical;
}

.pwm-iht-money,
.pwm-iht-percent {
	align-items: center;
	display: flex;
	position: relative;
}

.pwm-iht-money-symbol,
.pwm-iht-percent-symbol {
	color: var(--pwm-iht-steel);
	font-weight: 700;
	position: absolute;
}

.pwm-iht-money-symbol {
	left: 14px;
}

.pwm-iht-percent-symbol {
	right: 14px;
}

.pwm-iht-input-money {
	padding-left: 32px;
}

.pwm-iht-input-percent {
	padding-right: 34px;
}

.pwm-iht-choice-grid {
	display: grid;
	gap: 10px;
	grid-template-columns: repeat(2, minmax(0, 1fr));
}

.pwm-iht-choice {
	cursor: pointer;
	display: block;
	min-width: 0;
}

.pwm-iht-choice-input {
	clip: rect(0 0 0 0);
	clip-path: inset(50%);
	height: 1px;
	overflow: hidden;
	position: absolute;
	white-space: nowrap;
	width: 1px;
}

.pwm-iht-choice-text {
	align-items: center;
	background: var(--pwm-iht-porcelain);
	border: 1px solid var(--pwm-iht-mist);
	border-radius: 6px;
	color: var(--pwm-iht-steel);
	display: flex;
	font-size: 0.92rem;
	font-weight: 700;
	justify-content: center;
	line-height: 1.25;
	min-height: 46px;
	padding: 10px;
	text-align: center;
	transition: background 160ms ease, border-color 160ms ease, color 160ms ease;
	width: 100%;
}

.pwm-iht-choice-input:checked + .pwm-iht-choice-text {
	background: var(--pwm-iht-navy);
	border-color: var(--pwm-iht-navy);
	color: var(--pwm-iht-white);
}

.pwm-iht-choice-input:focus + .pwm-iht-choice-text {
	box-shadow: 0 0 0 3px rgba(176, 191, 228, 0.58);
}

.pwm-iht-transfer-panel,
.pwm-iht-gifts-panel {
	border-top: 1px solid var(--pwm-iht-mist);
	margin-top: 24px;
	padding-top: 24px;
}

.pwm-iht-actions {
	align-items: center;
	display: flex;
	flex-wrap: wrap;
	gap: 12px;
	justify-content: flex-end;
	margin-top: 28px;
}

.pwm-iht-button {
	align-items: center;
	border-radius: 6px;
	cursor: pointer;
	display: inline-flex;
	font: inherit;
	font-weight: 700;
	justify-content: center;
	line-height: 1.2;
	min-height: 46px;
	padding: 12px 18px;
	text-decoration: none;
	transition: background 160ms ease, border-color 160ms ease, color 160ms ease, transform 160ms ease;
}

.pwm-iht-button:hover,
.pwm-iht-button:focus {
	transform: translateY(-1px);
}

.pwm-iht-button-primary {
	background: var(--pwm-iht-navy);
	border: 1px solid var(--pwm-iht-navy);
	color: var(--pwm-iht-white);
}

.pwm-iht-button-primary:hover,
.pwm-iht-button-primary:focus {
	background: var(--pwm-iht-steel);
	border-color: var(--pwm-iht-steel);
	color: var(--pwm-iht-white);
}

.pwm-iht-button-secondary {
	background: var(--pwm-iht-white);
	border: 1px solid var(--pwm-iht-mist);
	color: var(--pwm-iht-navy);
}

.pwm-iht-button-secondary:hover,
.pwm-iht-button-secondary:focus {
	border-color: var(--pwm-iht-navy);
	color: var(--pwm-iht-navy);
}

.pwm-iht-button-link {
	background: transparent;
	border: 0;
	color: var(--pwm-iht-steel);
	min-height: auto;
	padding: 8px 0;
}

.pwm-iht-gift-list {
	display: grid;
	gap: 14px;
	margin-bottom: 16px;
}

.pwm-iht-gift-row {
	align-items: end;
	background: var(--pwm-iht-white);
	border: 1px solid var(--pwm-iht-mist);
	border-radius: 8px;
	display: grid;
	gap: 14px;
	grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.8fr) minmax(0, 1fr) auto;
	padding: 16px;
}

.pwm-iht-gift-row .pwm-iht-field {
	border: 0;
	padding: 0;
}

.pwm-iht-gift-action {
	padding-bottom: 2px;
}

.pwm-iht-guidance {
	background: var(--pwm-iht-white);
	border: 1px solid var(--pwm-iht-mist);
	border-radius: 8px;
	margin-top: 18px;
	padding: 18px;
}

.pwm-iht-guidance-title {
	color: var(--pwm-iht-navy);
	font-weight: 700;
	margin: 0 0 12px;
}

.pwm-iht-taper-grid {
	display: grid;
	gap: 8px 16px;
	grid-template-columns: minmax(0, 1fr) auto;
}

.pwm-iht-taper-grid span,
.pwm-iht-taper-grid strong {
	border-bottom: 1px solid var(--pwm-iht-mist);
	padding-bottom: 8px;
}

.pwm-iht-results {
	background: var(--pwm-iht-white);
	border-top: 1px solid var(--pwm-iht-mist);
}

.pwm-iht-result-grid {
	display: grid;
	gap: 14px;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	margin: 0;
}

.pwm-iht-result-item {
	background: var(--pwm-iht-porcelain);
	border: 1px solid var(--pwm-iht-mist);
	border-radius: 8px;
	padding: 18px;
}

.pwm-iht-result-item-featured {
	background: var(--pwm-iht-navy);
	border-color: var(--pwm-iht-navy);
	color: var(--pwm-iht-white);
}

.pwm-iht-result-label {
	color: var(--pwm-iht-muted);
	font-size: 0.83rem;
	font-weight: 700;
	line-height: 1.4;
	margin: 0 0 8px;
}

.pwm-iht-result-value {
	color: var(--pwm-iht-navy);
	font-size: clamp(1.2rem, 2.4vw, 1.65rem);
	font-weight: 800;
	line-height: 1.15;
	margin: 0;
	overflow-wrap: anywhere;
}

.pwm-iht-result-item-featured .pwm-iht-result-label,
.pwm-iht-result-item-featured .pwm-iht-result-value {
	color: var(--pwm-iht-white);
}

.pwm-iht-disclaimer {
	background: var(--pwm-iht-porcelain);
	border-left: 4px solid var(--pwm-iht-blue);
	color: var(--pwm-iht-muted);
	font-size: 0.92rem;
	line-height: 1.65;
	margin: 24px 0 0;
	padding: 16px 18px;
}

.pwm-iht-cta {
	align-items: center;
	background: linear-gradient(135deg, var(--pwm-iht-navy), var(--pwm-iht-steel));
	border-radius: 8px;
	color: var(--pwm-iht-white);
	display: flex;
	gap: 22px;
	justify-content: space-between;
	margin-top: 24px;
	padding: 24px;
}

.pwm-iht-cta-copy {
	max-width: 640px;
}

.pwm-iht-cta-title {
	color: var(--pwm-iht-white);
	font-size: 1.35rem;
	line-height: 1.2;
	margin: 0 0 8px;
}

.pwm-iht-cta-text {
	color: rgba(255, 255, 255, 0.86);
	line-height: 1.6;
	margin: 0;
}

.pwm-iht-cta .pwm-iht-button-primary {
	background: var(--pwm-iht-white);
	border-color: var(--pwm-iht-white);
	color: var(--pwm-iht-navy);
	flex: 0 0 auto;
}

.pwm-iht-lead-form {
	background: var(--pwm-iht-porcelain);
	border: 1px solid var(--pwm-iht-mist);
	border-radius: 8px;
	margin-top: 24px;
	padding: 24px;
}

.pwm-iht-consent {
	align-items: flex-start;
	color: var(--pwm-iht-muted);
	display: flex;
	gap: 10px;
	line-height: 1.5;
	margin-top: 18px;
}

.pwm-iht-consent-input {
	margin-top: 4px;
}

.pwm-iht-lead-status {
	color: var(--pwm-iht-steel);
	font-weight: 700;
	margin: 0;
}

.pwm-iht-lead-status.pwm-iht-is-error {
	color: #9f2d2d;
}

@media (max-width: 860px) {
	.pwm-iht-progress {
		grid-template-columns: repeat(2, minmax(0, 1fr));
	}

	.pwm-iht-step-tab {
		border-bottom: 1px solid var(--pwm-iht-mist);
	}

	.pwm-iht-field-grid,
	.pwm-iht-result-grid {
		grid-template-columns: 1fr;
	}

	.pwm-iht-gift-row {
		grid-template-columns: 1fr;
	}

	.pwm-iht-cta {
		align-items: stretch;
		flex-direction: column;
	}
}

@media (max-width: 560px) {
	.pwm-iht-calculator {
		margin: 18px auto;
	}

	.pwm-iht-intro,
	.pwm-iht-form,
	.pwm-iht-results {
		padding: 22px;
	}

	.pwm-iht-step-tab {
		gap: 8px;
		justify-content: flex-start;
		min-height: 58px;
	}

	.pwm-iht-step-label {
		font-size: 0.86rem;
	}

	.pwm-iht-choice-grid {
		grid-template-columns: 1fr;
	}

	.pwm-iht-actions {
		align-items: stretch;
		flex-direction: column-reverse;
	}

	.pwm-iht-button {
		width: 100%;
	}

	.pwm-iht-lead-form {
		padding: 18px;
	}
}