.caroi-wrap{
  --caroi-navy:#01375a;
  --caroi-green:#a6ca44;
  --caroi-blue:#5d9fc9;
  --caroi-bg:#f6f9fc;
  --caroi-card:#ffffff;
  --caroi-border:#d8e2eb;
  --caroi-muted:#5a6b7a;
  --caroi-ink:#0f2435;
  --caroi-error:#b52424;
  --caroi-success:#1f7a3a;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--caroi-ink);
  background:var(--caroi-bg);
  border:1px solid var(--caroi-border);
  border-radius:12px;
  padding:28px 24px;
  margin:24px 0;
  max-width:1080px;
  box-sizing:border-box;
  line-height:1.5;
}
.caroi-wrap *{box-sizing:border-box}
.caroi-title{
  color:var(--caroi-navy);
  font-size:1.7rem;
  line-height:1.25;
  margin:0 0 6px 0;
  font-weight:700;
}
.caroi-sub{
  color:var(--caroi-muted);
  margin:0 0 22px 0;
  font-size:1rem;
}
.caroi-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:24px;
}
@media (max-width:780px){
  .caroi-grid{grid-template-columns:1fr}
  .caroi-wrap{padding:20px 16px}
  .caroi-title{font-size:1.4rem}
}
.caroi-panel{
  background:var(--caroi-card);
  border:1px solid var(--caroi-border);
  border-radius:10px;
  padding:20px;
}
.caroi-panel-h{
  color:var(--caroi-navy);
  font-size:1.05rem;
  font-weight:700;
  margin:0 0 14px 0;
  text-transform:uppercase;
  letter-spacing:.04em;
}
.caroi-field{margin-bottom:14px}
.caroi-field label{
  display:block;
  font-weight:600;
  color:var(--caroi-ink);
  font-size:.92rem;
  margin-bottom:6px;
}
.caroi-field .caroi-hint{
  display:block;
  color:var(--caroi-muted);
  font-size:.82rem;
  margin-top:4px;
}
.caroi-field input[type=number],
.caroi-field input[type=text],
.caroi-field input[type=email],
.caroi-field input[type=tel],
.caroi-field select{
  width:100%;
  padding:10px 12px;
  border:1px solid var(--caroi-border);
  border-radius:6px;
  font-size:1rem;
  background:#fff;
  color:var(--caroi-ink);
  font-family:inherit;
}
.caroi-field input:focus,
.caroi-field select:focus{
  outline:none;
  border-color:var(--caroi-blue);
  box-shadow:0 0 0 3px rgba(93,159,201,.25);
}
.caroi-checks{
  display:flex;
  flex-direction:column;
  gap:8px;
  background:#f0f5fa;
  padding:12px 14px;
  border-radius:6px;
  border:1px solid var(--caroi-border);
}
.caroi-check{
  display:flex;
  align-items:center;
  gap:10px;
  font-size:.92rem;
  color:var(--caroi-ink);
  cursor:pointer;
}
.caroi-check input{transform:scale(1.15);cursor:pointer}
.caroi-rate-row{
  display:flex;
  gap:10px;
  align-items:flex-end;
}
.caroi-rate-row .caroi-field{flex:1;margin-bottom:0}
.caroi-results{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
  margin-bottom:14px;
}
.caroi-stat{
  background:#f0f5fa;
  border:1px solid var(--caroi-border);
  border-left:4px solid var(--caroi-blue);
  border-radius:6px;
  padding:14px 16px;
}
.caroi-stat.caroi-stat-diy{border-left-color:#a8b3bc}
.caroi-stat.caroi-stat-ca{border-left-color:var(--caroi-green)}
.caroi-stat.caroi-stat-save{border-left-color:var(--caroi-navy)}
.caroi-stat-label{
  font-size:.78rem;
  color:var(--caroi-muted);
  text-transform:uppercase;
  letter-spacing:.05em;
  margin-bottom:4px;
  font-weight:600;
}
.caroi-stat-val{
  font-size:1.5rem;
  font-weight:700;
  color:var(--caroi-navy);
  line-height:1.15;
}
.caroi-stat-sub{
  font-size:.82rem;
  color:var(--caroi-muted);
  margin-top:4px;
}
.caroi-stat-save .caroi-stat-val{color:var(--caroi-success)}
.caroi-breakdown{
  background:#f9fbfd;
  border:1px dashed var(--caroi-border);
  border-radius:6px;
  padding:12px 14px;
  font-size:.86rem;
  color:var(--caroi-muted);
}
.caroi-breakdown strong{color:var(--caroi-ink)}
.caroi-breakdown ul{
  margin:6px 0 0 0;
  padding-left:18px;
}
.caroi-breakdown li{margin:2px 0}
.caroi-time{
  display:flex;
  justify-content:space-between;
  gap:14px;
  padding:12px 14px;
  background:#f0f5fa;
  border-radius:6px;
  border:1px solid var(--caroi-border);
  margin-top:14px;
  font-size:.92rem;
}
.caroi-time-item{flex:1}
.caroi-time-label{
  color:var(--caroi-muted);
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.05em;
  margin-bottom:2px;
  font-weight:600;
}
.caroi-time-val{font-weight:700;color:var(--caroi-navy)}
.caroi-cta{
  margin-top:24px;
  background:var(--caroi-navy);
  color:#fff;
  border-radius:10px;
  padding:24px;
}
.caroi-cta-h{
  margin:0 0 6px 0;
  font-size:1.25rem;
  font-weight:700;
  color:#fff;
}
.caroi-cta-sub{
  margin:0 0 16px 0;
  color:#cfdbe5;
  font-size:.95rem;
}
.caroi-form{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:12px;
}
@media (max-width:600px){
  .caroi-form{grid-template-columns:1fr}
  .caroi-results{grid-template-columns:1fr}
  .caroi-time{flex-direction:column;gap:8px}
}
.caroi-form .caroi-field-full{grid-column:1 / -1}
.caroi-form label{
  color:#e6eef5;
  font-size:.86rem;
  margin-bottom:4px;
  display:block;
  font-weight:600;
}
.caroi-form input{
  width:100%;
  padding:10px 12px;
  border:1px solid #2a546f;
  border-radius:6px;
  font-size:1rem;
  background:#062b46;
  color:#fff;
  font-family:inherit;
}
.caroi-form input::placeholder{color:#7e9ab0}
.caroi-form input:focus{
  outline:none;
  border-color:var(--caroi-green);
  box-shadow:0 0 0 3px rgba(166,202,68,.3);
}
.caroi-honeypot{
  position:absolute !important;
  left:-9999px !important;
  top:-9999px !important;
  width:1px !important;
  height:1px !important;
  opacity:0 !important;
  pointer-events:none !important;
}
.caroi-submit{
  background:var(--caroi-green);
  color:var(--caroi-navy);
  border:none;
  padding:14px 24px;
  border-radius:6px;
  font-size:1rem;
  font-weight:700;
  cursor:pointer;
  width:100%;
  margin-top:6px;
  font-family:inherit;
  transition:background .15s ease, transform .05s ease;
}
.caroi-submit:hover{background:#b6dc54}
.caroi-submit:active{transform:translateY(1px)}
.caroi-submit:disabled{
  background:#7c8b9a;
  color:#cfd8e0;
  cursor:not-allowed;
}
.caroi-msg{
  margin-top:12px;
  padding:12px 14px;
  border-radius:6px;
  font-size:.92rem;
  display:none;
}
.caroi-msg.caroi-msg-success{
  display:block;
  background:#e7f5ec;
  color:var(--caroi-success);
  border:1px solid #b8dec5;
}
.caroi-msg.caroi-msg-error{
  display:block;
  background:#fbe7e7;
  color:var(--caroi-error);
  border:1px solid #e7b8b8;
}
.caroi-required{color:var(--caroi-green);margin-left:2px}
.caroi-details{
  margin-top:18px;
  background:#f9fbfd;
  border:1px solid var(--caroi-border);
  border-radius:6px;
  padding:14px 16px;
  font-size:.88rem;
  color:var(--caroi-ink);
}
.caroi-details summary{
  cursor:pointer;
  font-weight:700;
  color:var(--caroi-navy);
  outline:none;
}
.caroi-details summary:focus-visible{
  outline:2px solid var(--caroi-blue);
  outline-offset:2px;
  border-radius:3px;
}
.caroi-details p{margin:10px 0 6px 0}
.caroi-details ul{margin:6px 0;padding-left:20px}
.caroi-details li{margin:3px 0}
.caroi-disclaim{
  margin-top:14px;
  font-size:.78rem;
  color:var(--caroi-muted);
  font-style:italic;
  line-height:1.4;
}