/* Opt-in consumer master. All rules scoped; v1.0.16 pages retain their styles. */
.ma-consumer{--ce-ink:#092747;--ce-muted:#4c6074;--ce-line:#dbe4ec;--ce-cream:#f6f7f9;background:#fff;color:var(--ce-ink)}
.ma-consumer [hidden]{display:none!important}.ma-consumer .ma-consumer-main{padding:0;margin:0}.ma-consumer a:focus-visible,.ma-consumer button:focus-visible,.ma-consumer summary:focus-visible{outline:3px solid #0879db;outline-offset:5px}
.ma-consumer .ma-consumer-eyebrow{font-size:12px;font-weight:800;line-height:1.4;letter-spacing:.15em;text-transform:uppercase;margin:0 0 12px;color:#326179}
.ma-consumer .ma-consumer-hero{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(0,1fr);gap:42px;align-items:center;padding:52px 44px;border-radius:24px;background:radial-gradient(ellipse at 100% 0%,#164e70 0%,transparent 55%),linear-gradient(125deg,#061d3a,#082d4e);color:#fff;margin:0 0 44px;overflow:hidden}
.ma-consumer .ma-consumer-hero .ma-consumer-eyebrow{color:#f5cf6c}.ma-consumer .ma-consumer-hero h1{font-size:clamp(40px,4.7vw,64px);line-height:1.04;letter-spacing:-.045em;color:#fff;margin:0 0 26px;max-width:760px}.ma-consumer .ma-consumer-hero h1 span{color:#f5cf6c}
.ma-consumer .ma-consumer-answer-label{font-size:11px;font-weight:800;letter-spacing:.15em;text-transform:uppercase;color:#b2d9ed;margin:0 0 8px}.ma-consumer .ma-consumer-answer{font-size:clamp(23px,2.2vw,30px);font-weight:750;line-height:1.25;color:#fff;margin:0 0 12px;max-width:610px}.ma-consumer .ma-consumer-support{font-size:17px;line-height:1.65;color:#d6e5ef;max-width:590px;margin:0 0 22px}.ma-consumer .ma-consumer-hero-link{font-size:15px;font-weight:700;color:#f5cf6c;text-decoration:none;display:inline-flex;gap:14px;align-items:center}
.ma-consumer .ma-consumer-zero{padding:28px;border:1px solid #608299;border-radius:24px;background:#ffffff09;transform:rotate(2deg)}.ma-consumer .ma-consumer-zero>span{font-size:11px;letter-spacing:.18em;font-weight:700;color:#c4deed}.ma-consumer .ma-consumer-zero>strong{display:block;font-size:110px;font-weight:800;line-height:1.12;letter-spacing:-.06em;color:#f5cf6c;white-space:nowrap}.ma-consumer .ma-consumer-zero>p{color:#e3edf4;font-size:16px;margin:2px 0 20px}.ma-consumer .ma-consumer-zero>div{display:flex;gap:16px;border-top:1px solid #608299;padding-top:20px;align-items:center}.ma-consumer .ma-consumer-zero>div>span{font-size:38px;color:#f5cf6c;line-height:1}.ma-consumer .ma-consumer-zero>div p{font-size:14px;line-height:1.6;color:#cfdfeb;margin:0}.ma-consumer .ma-consumer-zero b{color:#fff}
.ma-consumer .ma-consumer-section-title{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:22px}.ma-consumer .ma-consumer-section-title h2,.ma-consumer .ma-consumer-goals h2{font-size:clamp(29px,3vw,40px);line-height:1.1;letter-spacing:-.035em;margin:0;color:var(--ce-ink)}.ma-consumer .ma-consumer-section-title>p{font-size:14px;color:var(--ce-muted);margin:0;max-width:220px}
.ma-consumer .ma-consumer-programs{padding:0 8px;margin:0 0 42px;scroll-margin-top:20px}.ma-consumer .ma-consumer-program-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;align-items:start}.ma-consumer .ma-consumer-program{min-width:0;border-radius:18px;background:#092747;color:#ffffff;overflow:hidden;border:1px solid #253d57}.ma-consumer .ma-consumer-program summary{display:flex;flex-direction:column;min-height:260px;padding:24px 20px;cursor:pointer;list-style:none;gap:9px}.ma-consumer .ma-consumer-program summary::-webkit-details-marker{display:none}.ma-consumer .ma-consumer-program-icon{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:#ffffff90;margin-bottom:6px}.ma-consumer .ma-consumer-program-icon .ma-icon{width:27px;height:27px}.ma-consumer .ma-consumer-program-name{font-size:15px;font-weight:800;line-height:1.3}.ma-consumer .ma-consumer-program summary>strong{font-size:30px;line-height:1.1;letter-spacing:-.04em;color:inherit}.ma-consumer .ma-consumer-program-summary{font-size:14px;line-height:1.5;flex:1}.ma-consumer .ma-consumer-program-toggle{font-size:12px;font-weight:800;display:flex;justify-content:space-between;align-items:center;margin-top:8px}.ma-consumer .ma-consumer-program-toggle>span{font-size:22px;line-height:1}.ma-consumer .ma-consumer-program[open] .ma-consumer-program-toggle>span{transform:rotate(45deg)}.ma-consumer .ma-consumer-program-detail{padding:0 20px 20px;border-top:1px solid #00000018}.ma-consumer .ma-consumer-program-detail p{font-size:14px;line-height:1.6;margin:16px 0 0;color:inherit}.ma-consumer .ma-consumer-tone-navy{background:#0a3551;color:#fff;border-color:#0a3551}.ma-consumer .ma-consumer-tone-navy .ma-consumer-program-icon{background:#ffffff18;color:#f5cf6c}.ma-consumer .ma-consumer-tone-navy .ma-consumer-program-detail{border-color:#ffffff36}.ma-consumer .ma-consumer-tone-green{background:#092747;color:#ffffff;border-color:#253d57}.ma-consumer .ma-consumer-tone-gold{background:#092747;color:#ffffff;border-color:#253d57}.ma-consumer .ma-consumer-tone-blue{background:#092747;color:#ffffff}.ma-consumer .ma-consumer-tone-blue summary>strong{font-size:25px}
.ma-consumer .ma-consumer-goals{padding:36px;background:var(--ce-cream);border:1px solid #dce1e7;border-radius:24px;margin:0 0 42px}.ma-consumer .ma-consumer-goal-hint{font-size:15px;color:#54616a;margin:14px 0 20px}.ma-consumer .ma-consumer-goal-buttons{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:24px}.ma-consumer .ma-consumer-goal-buttons button{font:inherit;font-size:16px;font-weight:700;line-height:1.4;display:flex;gap:12px;align-items:center;justify-content:space-between;text-align:left;min-height:78px;padding:18px;background:#fff;color:var(--ce-ink);border:1px solid #c2cbd2;border-radius:14px;cursor:pointer}.ma-consumer .ma-consumer-goal-buttons button>span{font-size:23px}.ma-consumer .ma-consumer-goal-buttons button[aria-pressed=true]{background:var(--ce-ink);color:#fff;border-color:var(--ce-ink)}.ma-consumer .ma-consumer-goal-panel{border-top:1px solid #dce1e7;margin-top:24px;padding-top:22px;max-width:800px}.ma-consumer .ma-consumer-goal-panel h3{font-size:22px;line-height:1.3;margin:0 0 10px;color:var(--ce-ink)}.ma-consumer .ma-consumer-goal-panel p{font-size:17px;line-height:1.65;color:#344958;margin:0 0 20px}.ma-consumer .ma-consumer-goal-panel .ma-button{background:#f3c54b;color:#092747;font-size:15px;white-space:normal;min-height:48px}.ma-consumer .ma-consumer-sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.ma-consumer .ma-consumer-guidance-grid{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(0,1fr);gap:36px;align-items:start;padding:0 8px;margin:0 0 40px}.ma-consumer .ma-consumer-notes{min-width:0}.ma-consumer .ma-consumer-note{padding:20px 0;border-top:1px solid var(--ce-line)}.ma-consumer .ma-consumer-note:first-child{border-top:3px solid #efbc49}.ma-consumer .ma-consumer-note h2{font-size:27px;line-height:1.2;letter-spacing:-.025em;color:var(--ce-ink);margin:0 0 12px}.ma-consumer .ma-consumer-note p{font-size:17px;line-height:1.65;color:#3d5265;margin:0 0 10px}.ma-consumer .ma-consumer-options-link{display:inline-flex;justify-content:space-between;align-items:center;gap:20px;padding:16px 20px;background:#f3c54b;border-radius:12px;font-size:16px;font-weight:750;color:var(--ce-ink);text-decoration:none;margin-top:16px;max-width:100%}.ma-consumer .ma-sidebar{min-width:0}.ma-consumer .ma-consumer-guidance-grid .ma-profile{margin:0}.ma-consumer .ma-faq{margin:0 0 30px}.ma-consumer .ma-consumer-related{padding:8px;margin:0 0 28px}.ma-consumer .ma-consumer-related h2{font-size:24px;color:var(--ce-ink)}.ma-consumer .ma-consumer-related .ma-related{padding:0}.ma-consumer .ma-consumer-related a{font-size:16px}
@media(max-width:900px){.ma-consumer .ma-consumer-hero{padding:36px 28px;gap:24px;grid-template-columns:minmax(0,1.7fr) minmax(0,1fr)}.ma-consumer .ma-consumer-zero{padding:20px}.ma-consumer .ma-consumer-zero>strong{font-size:88px}.ma-consumer .ma-consumer-program-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.ma-consumer .ma-consumer-program summary{min-height:235px}.ma-consumer .ma-consumer-guidance-grid{grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:20px}.ma-consumer .ma-consumer-goals{padding:28px}}
@media(max-width:600px){.ma-consumer .ma-consumer-hero{grid-template-columns:1fr;padding:28px 20px;gap:24px;border-radius:18px;margin-bottom:30px}.ma-consumer .ma-consumer-hero h1{font-size:39px;line-height:1.06;margin-bottom:24px}.ma-consumer .ma-consumer-answer{font-size:25px;line-height:1.25}.ma-consumer .ma-consumer-support{font-size:16px;line-height:1.55;margin-bottom:16px}.ma-consumer .ma-consumer-zero{display:grid;grid-template-columns:1fr 1.2fr;gap:0 16px;align-items:center;padding:16px 18px;transform:none;border-radius:14px}.ma-consumer .ma-consumer-zero>span{font-size:9px;grid-column:1;grid-row:1}.ma-consumer .ma-consumer-zero>strong{font-size:68px;grid-column:1;grid-row:2}.ma-consumer .ma-consumer-zero>p{font-size:11px;grid-column:1;grid-row:3;margin:0}.ma-consumer .ma-consumer-zero>div{grid-column:2;grid-row:1/4;border-top:0;border-left:1px solid #608299;padding:0 0 0 16px;display:block}.ma-consumer .ma-consumer-zero>div>span{font-size:25px}.ma-consumer .ma-consumer-zero>div p{font-size:12px}.ma-consumer .ma-consumer-section-title{display:block;margin-bottom:18px}.ma-consumer .ma-consumer-section-title h2,.ma-consumer .ma-consumer-goals h2{font-size:30px}.ma-consumer .ma-consumer-section-title>p{margin-top:10px;max-width:none}.ma-consumer .ma-consumer-programs{padding:0;margin-bottom:30px}.ma-consumer .ma-consumer-program-grid{gap:10px}.ma-consumer .ma-consumer-program{border-radius:14px}.ma-consumer .ma-consumer-program summary{padding:18px 14px;gap:8px;min-height:252px}.ma-consumer .ma-consumer-program-name{font-size:14px}.ma-consumer .ma-consumer-program summary>strong{font-size:27px}.ma-consumer .ma-consumer-tone-blue summary>strong{font-size:23px}.ma-consumer .ma-consumer-program-summary{font-size:13px}.ma-consumer .ma-consumer-program-detail{padding:0 14px 18px}.ma-consumer .ma-consumer-program-detail p{font-size:13px}.ma-consumer .ma-consumer-goals{padding:24px 18px;margin-bottom:30px;border-radius:18px}.ma-consumer .ma-consumer-goal-buttons{grid-template-columns:1fr;gap:10px;margin-top:20px}.ma-consumer .ma-consumer-goal-buttons button{min-height:62px;padding:14px;font-size:16px}.ma-consumer .ma-consumer-goal-panel p{font-size:16px}.ma-consumer .ma-consumer-guidance-grid{grid-template-columns:1fr;padding:0;gap:24px;margin-bottom:28px}.ma-consumer .ma-consumer-note h2{font-size:25px}.ma-consumer .ma-consumer-note p{font-size:16px}.ma-consumer .ma-consumer-note{padding:20px 4px}.ma-consumer .ma-consumer-guidance-grid .ma-profile{padding:24px 20px}.ma-consumer .ma-consumer-guidance-grid .ma-profile-summary p{font-size:13px}.ma-consumer .ma-consumer-guidance-grid .ma-profile-summary h2{font-size:24px}.ma-consumer .ma-consumer-options-link{font-size:15px;width:100%}}
@media(prefers-reduced-motion:reduce){.ma-consumer *{scroll-behavior:auto!important;transition:none!important;animation:none!important}}

/* Optional, data-selected example tools; existing consumer layout is preserved. */
.ma-consumer .ma-example-tool{margin:20px 0 24px;min-width:0}
.ma-consumer .ma-example-tool label{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;font-weight:750;color:#092747;margin:20px 0 12px}
.ma-consumer .ma-example-tool label output{font-size:26px;white-space:nowrap}
.ma-consumer .ma-example-tool input[type=range]{display:block;width:100%;margin:0;min-height:44px;accent-color:#087dfa;cursor:pointer}
.ma-consumer .ma-example-range{display:flex;justify-content:space-between;font-size:13px;color:#485e70;margin-bottom:20px}
.ma-consumer .ma-example-results{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.ma-consumer .ma-example-results>div{min-width:0;border-radius:14px;background:#ffffff;padding:18px 14px;overflow-wrap:anywhere}
.ma-consumer .ma-example-results>div:nth-child(2){background:#ffffff}.ma-consumer .ma-example-results>div:nth-child(4){background:#ffffff}
.ma-consumer .ma-example-results h4{margin:0 0 10px;font-size:17px;color:#092747}
.ma-consumer .ma-example-results strong{display:block;font-size:28px;color:#092747;white-space:nowrap;letter-spacing:-.04em}
.ma-consumer .ma-example-results span{display:block;font-size:14px;line-height:1.5;margin-top:8px}
.ma-consumer .ma-example-breakdown{margin:20px 0}.ma-consumer .ma-example-breakdown>div{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px solid #ccdae4}
.ma-consumer .ma-example-breakdown dd{margin:0;font-weight:750;white-space:nowrap}
.ma-consumer .ma-example-total{padding:20px;background:#092747;color:white;border-radius:14px}.ma-consumer .ma-example-total span{display:block}.ma-consumer .ma-example-total strong{display:block;font-size:40px;white-space:nowrap;margin-top:8px}
.ma-consumer .ma-example-tool .ma-example-disclaimer{font-size:13px;line-height:1.6;margin:16px 0;color:#42576a}
@media(max-width:700px){.ma-consumer .ma-example-results{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.ma-consumer .ma-example-results>div{padding:14px 10px}.ma-consumer .ma-example-results strong{font-size:24px}.ma-consumer .ma-example-results h4{font-size:15px}.ma-consumer .ma-example-results span{font-size:13px}.ma-consumer .ma-example-breakdown{font-size:14px}}
.ma-consumer .ma-payment-comparison{margin-top:20px;padding:20px;background:white;border-radius:14px;color:#092747}.ma-consumer .ma-payment-comparison h4{margin:0 0 8px;font-size:20px}.ma-consumer .ma-payment-comparison p{font-size:14px;line-height:1.5;margin:8px 0 16px}.ma-consumer .ma-payment-comparison>div{margin:16px 0}.ma-consumer .ma-payment-comparison>div>span{display:flex;justify-content:space-between;gap:10px;font-size:15px}.ma-consumer .ma-payment-comparison b{white-space:nowrap}.ma-consumer .ma-payment-track{height:18px;background:#edf2f6;border-radius:6px;margin-top:8px;overflow:hidden}.ma-consumer .ma-payment-track span{display:block;height:100%;background:#087dfa;border-radius:6px}.ma-consumer [data-bar=selected]{background:#cf9c1a}.ma-consumer .ma-example-tool label>span{display:flex;flex-wrap:wrap;align-items:center;gap:8px}.ma-consumer .ma-example-tool label>span output{font-size:22px}.ma-consumer .ma-program-example{background:#ffffff18;border-radius:10px;padding:12px;margin:0 0 14px}.ma-consumer .ma-program-example strong{display:block;font-size:26px}.ma-consumer .ma-program-example span{display:block;font-size:13px;line-height:1.5;margin-top:4px}.ma-consumer .ma-program-next{display:inline-flex;align-items:center;min-height:44px;color:inherit;font-size:14px;font-weight:750;text-underline-offset:4px}.ma-consumer .ma-visual-takeaways{display:grid;gap:14px}.ma-consumer .ma-visual-takeaway{display:flex;gap:18px;align-items:center;padding:22px 18px;border-left:5px solid #087dfa;background:#ffffff;border-radius:0 14px 14px 0}.ma-consumer .ma-visual-takeaway:nth-child(2){background:#ffffff;border-color:#c99b18}.ma-consumer .ma-visual-takeaway:nth-child(3){background:#ffffff;border-color:#dce1e7}.ma-consumer .ma-visual-takeaway>strong{flex:0 0 110px;font-size:23px;line-height:1.2;color:#092747;letter-spacing:-.04em}.ma-consumer .ma-visual-takeaway h2{font-size:22px;line-height:1.2;margin:0 0 8px;color:#092747}.ma-consumer .ma-visual-takeaway p{font-size:15px;line-height:1.5;margin:0;color:#344958}
@media(max-width:600px){.ma-consumer .ma-visual-takeaway{display:block;padding:20px}.ma-consumer .ma-visual-takeaway>strong{display:block;font-size:24px;margin-bottom:12px}.ma-consumer .ma-visual-takeaway h2{font-size:22px}.ma-consumer .ma-payment-comparison{padding:16px}.ma-consumer .ma-example-total strong{font-size:36px}}
.ma-consumer .ma-payment-track [data-bar=selected]{background:#b7850b}
.ma-consumer .ma-dpa-options{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:16px 0}.ma-consumer .ma-dpa-option{padding:14px;border-radius:10px;background:#fff;color:#092747;min-width:0}.ma-consumer .ma-dpa-option h4{margin:0 0 10px;font-size:16px}.ma-consumer .ma-dpa-option>strong{display:block;font-size:26px;white-space:nowrap;letter-spacing:-.04em}.ma-consumer .ma-dpa-option>span{display:block;font-size:13px;margin:6px 0}.ma-consumer .ma-dpa-option p{font-size:13px;line-height:1.5;margin:10px 0 0;color:#344958}.ma-consumer .ma-ordered-programs{grid-template-columns:repeat(3,minmax(0,1fr))}.ma-consumer .ma-dpa-comparison{grid-column:1/-1}.ma-consumer .ma-consumer-program-detail .ma-dpa-options{grid-template-columns:1fr}.ma-consumer .ma-consumer-program-detail .ma-example-disclaimer{font-size:12px;line-height:1.5}.ma-consumer .ma-dpa-comparison .ma-example-disclaimer{font-size:13px;line-height:1.5;margin:14px 0 0}
@media(max-width:700px){.ma-consumer .ma-dpa-options{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.ma-consumer .ma-dpa-option{padding:12px 10px}.ma-consumer .ma-dpa-option h4{font-size:14px;overflow-wrap:anywhere}.ma-consumer .ma-dpa-option>strong{font-size:23px}.ma-consumer .ma-ordered-programs{grid-template-columns:repeat(2,minmax(0,1fr))}}
.ma-consumer .ma-dpa-option details>summary{display:list-item;min-height:44px;padding:12px 0;font-size:13px;cursor:pointer;font-weight:700;color:#092747}.ma-consumer .ma-dpa-option details[open]>summary{margin-bottom:4px}

/* Permanent WWBT / CON8 visual standard: typography, navy, neutral surfaces, gold. */
.ma-consumer{--ce-cream:#f6f7f9;--ce-line:#dce1e7;--ce-muted:#465567}
.ma-consumer .ma-consumer-program-grid{gap:18px;align-items:stretch}
.ma-consumer .ma-consumer-program{background:linear-gradient(150deg,#0e2e50,#061d38);color:#fff;border:1px solid #2c435d;border-radius:16px;box-shadow:0 8px 24px #061d381c;align-self:start}
.ma-consumer .ma-consumer-program>summary{padding:26px 22px;min-height:280px;gap:14px}
.ma-consumer .ma-consumer-program-name{font-size:17px;font-weight:750;line-height:1.35;min-height:46px;color:#fff}
.ma-consumer .ma-consumer-program>summary>strong{display:flex;flex-direction:column;gap:4px;font-size:60px;line-height:1;letter-spacing:-.055em;color:#f5cf6c;font-weight:850}
.ma-consumer .ma-consumer-program>summary>strong>span{white-space:nowrap}
.ma-consumer .ma-consumer-program>summary>strong>small{font-size:17px;font-weight:650;line-height:1.4;letter-spacing:.01em;color:#fff}
.ma-consumer .ma-consumer-program-summary{font-size:16px;line-height:1.55;color:#e2e7ed}
.ma-consumer .ma-consumer-program-toggle{font-size:15px;font-weight:700;color:#f5cf6c;border-top:1px solid #ffffff30;padding-top:14px;margin-top:4px}
.ma-consumer .ma-consumer-program-detail{border-top:1px solid #ffffff30;padding:20px}
.ma-consumer .ma-consumer-program-detail>p{font-size:16px;line-height:1.65}
.ma-consumer .ma-consumer-program-detail .ma-example-disclaimer{font-size:14px;line-height:1.6;color:#e2e7ed}
.ma-consumer .ma-program-example{border:1px solid #ffffff30;background:#ffffff0a;padding:16px;margin-bottom:18px}
.ma-consumer .ma-program-example strong{color:#f5cf6c;font-weight:800;font-size:30px}
.ma-consumer .ma-program-example span{font-size:15px;line-height:1.5}
.ma-consumer .ma-program-next{font-size:16px;color:#f5cf6c}
.ma-consumer .ma-consumer-section-title>p,.ma-consumer .ma-consumer-goal-hint{font-size:17px;line-height:1.55;color:#465567}
.ma-consumer .ma-consumer-goals{background:linear-gradient(160deg,#fff,#f5f6f8);border:1px solid #dce1e7;padding:36px;border-radius:20px;box-shadow:0 12px 36px #061d380c}
.ma-consumer .ma-consumer-goal-buttons{gap:14px}
.ma-consumer .ma-consumer-goal-buttons button{font-size:18px;font-weight:750;border:1px solid #8794a4;border-radius:12px;min-height:88px;padding:20px;box-shadow:0 3px 8px #061d3808}
.ma-consumer .ma-consumer-goal-buttons button:hover{border-color:#092747;background:#f0f2f5}
.ma-consumer .ma-consumer-goal-buttons button[aria-pressed=true]{background:linear-gradient(135deg,#102f50,#061d38);color:#fff;border:2px solid #b18b30;padding:19px;box-shadow:0 8px 18px #061d3826}
.ma-consumer .ma-consumer-goal-buttons button[aria-pressed=true]>span{color:#f5cf6c}
.ma-consumer .ma-consumer-goal-panel{border-top:1px solid #dce1e7;padding-top:28px;margin-top:28px;max-width:none}
.ma-consumer .ma-consumer-goal-panel h3{font-size:26px;font-weight:800;letter-spacing:-.025em;margin-bottom:16px}
.ma-consumer .ma-example-tool label{font-size:18px;line-height:1.4;margin:24px 0 10px}
.ma-consumer .ma-example-tool label output{font-weight:800;font-size:30px;letter-spacing:-.035em}
.ma-consumer .ma-example-tool input[type=range]{accent-color:#092747}
.ma-consumer .ma-example-range{font-size:16px;color:#465567}
.ma-consumer .ma-example-results>div{background:#fff;border:1px solid #d6dde5;border-radius:12px;box-shadow:0 4px 12px #061d3808;padding:20px 16px}
.ma-consumer .ma-example-results h4{font-size:19px;font-weight:800;letter-spacing:-.015em}
.ma-consumer .ma-example-results strong{font-size:34px;font-weight:850;letter-spacing:-.04em}
.ma-consumer .ma-example-results span{font-size:16px;line-height:1.6}
.ma-consumer .ma-example-results .ma-dpa-comparison{background:#f1f3f6;border-color:#c5ced9;padding:22px}
.ma-consumer .ma-dpa-option{background:#fff;border:1px solid #d6dde5;padding:16px;border-radius:10px}
.ma-consumer .ma-dpa-option h4{font-size:17px;line-height:1.35;font-weight:800}
.ma-consumer .ma-dpa-option>strong{font-size:30px;font-weight:850;letter-spacing:-.04em}
.ma-consumer .ma-dpa-option>span,.ma-consumer .ma-dpa-option p{font-size:15px;line-height:1.6;color:#35465b}
.ma-consumer .ma-dpa-option details>summary{font-size:16px;min-height:44px;line-height:1.4}
.ma-consumer .ma-example-tool .ma-example-disclaimer,.ma-consumer .ma-dpa-comparison .ma-example-disclaimer{font-size:15px;line-height:1.65;color:#465567}
.ma-consumer .ma-example-breakdown{font-size:17px;line-height:1.5}
.ma-consumer .ma-example-breakdown>div{padding:16px 0}
.ma-consumer .ma-example-breakdown dd{font-size:19px;font-weight:800}
.ma-consumer .ma-example-total{background:linear-gradient(145deg,#0e2e50,#061d38);box-shadow:0 8px 24px #061d381c;border:1px solid #2c435d;padding:26px;border-radius:14px}
.ma-consumer .ma-example-total span{font-size:17px;font-weight:650;color:#fff}
.ma-consumer .ma-example-total strong{font-size:48px;font-weight:850;letter-spacing:-.04em;color:#f5cf6c}
.ma-consumer .ma-payment-comparison{border:1px solid #d6dde5;padding:24px;box-shadow:0 4px 14px #061d3808}
.ma-consumer .ma-payment-comparison h4{font-size:22px;font-weight:800}
.ma-consumer .ma-payment-comparison p,.ma-consumer .ma-payment-comparison>div>span{font-size:16px;line-height:1.6}
.ma-consumer .ma-payment-track{background:#e6e9ee;height:20px}
.ma-consumer .ma-payment-track span{background:#092747}
.ma-consumer .ma-payment-track [data-bar=selected]{background:#997415}
.ma-consumer .ma-visual-takeaways{gap:0;border-top:2px solid #092747}
.ma-consumer .ma-visual-takeaway,.ma-consumer .ma-visual-takeaway:nth-child(2),.ma-consumer .ma-visual-takeaway:nth-child(3){background:transparent;border:0;border-bottom:1px solid #dce1e7;border-radius:0;padding:28px 0;gap:24px}
.ma-consumer .ma-visual-takeaway>strong{color:#092747;font-size:28px;line-height:1.15;font-weight:850;letter-spacing:-.04em;flex-basis:130px}
.ma-consumer .ma-visual-takeaway h2{font-size:26px;font-weight:800;line-height:1.2;letter-spacing:-.025em;margin-bottom:10px}
.ma-consumer .ma-visual-takeaway p{font-size:18px;line-height:1.6;color:#465567}
.ma-consumer .ma-faq>h2{font-size:34px;line-height:1.15;font-weight:800;letter-spacing:-.035em}
.ma-consumer .ma-faq summary{font-size:19px;font-weight:750;line-height:1.5;padding:20px;color:#092747}
.ma-consumer .ma-faq details{background:#fff;border:1px solid #d6dde5;box-shadow:0 3px 10px #061d3806}
.ma-consumer .ma-faq details p{font-size:18px;line-height:1.65;color:#35465b}
.ma-consumer .ma-consumer-goal-panel .ma-button,.ma-consumer .ma-consumer-options-link{font-size:17px;font-weight:800;line-height:1.4;padding:16px 20px;border-radius:10px;box-shadow:0 4px 12px #061d3812}
.ma-consumer a:focus-visible,.ma-consumer button:focus-visible,.ma-consumer summary:focus-visible,.ma-consumer input:focus-visible{outline:3px solid #a5790a;outline-offset:4px}
@media(max-width:700px){.ma-consumer .ma-consumer-program-grid{gap:12px}.ma-consumer .ma-consumer-program>summary{padding:20px 16px;min-height:270px}.ma-consumer .ma-consumer-program>summary>strong{font-size:48px}.ma-consumer .ma-consumer-program-name{font-size:16px;min-height:44px}.ma-consumer .ma-consumer-program-summary{font-size:16px}.ma-consumer .ma-consumer-program-detail{padding:16px}.ma-consumer .ma-example-results>div{padding:18px 12px}.ma-consumer .ma-example-results .ma-dpa-comparison{padding:14px}.ma-consumer .ma-dpa-option{padding:14px 10px}.ma-consumer .ma-dpa-option>strong{font-size:27px}.ma-consumer .ma-dpa-option h4{font-size:16px}.ma-consumer .ma-example-results strong{font-size:29px}}
@media(max-width:600px){.ma-consumer .ma-consumer-program>summary{padding:20px 14px;min-height:300px}.ma-consumer .ma-consumer-program>summary>strong{font-size:44px}.ma-consumer .ma-consumer-program>summary>strong>small{font-size:16px}.ma-consumer .ma-consumer-program-toggle{font-size:14px}.ma-consumer .ma-consumer-goals{padding:24px 18px;border-radius:16px}.ma-consumer .ma-consumer-goal-buttons button{font-size:18px;min-height:74px;padding:18px}.ma-consumer .ma-consumer-goal-buttons button[aria-pressed=true]{padding:17px}.ma-consumer .ma-consumer-goal-panel h3{font-size:24px}.ma-consumer .ma-example-tool label{font-size:18px}.ma-consumer .ma-example-tool label output{font-size:28px}.ma-consumer .ma-example-tool label>span output{font-size:23px}.ma-consumer .ma-example-breakdown{font-size:16px}.ma-consumer .ma-example-breakdown dd{font-size:18px}.ma-consumer .ma-example-total{padding:22px 18px}.ma-consumer .ma-example-total strong{font-size:42px}.ma-consumer .ma-payment-comparison{padding:18px 14px}.ma-consumer .ma-visual-takeaway{padding:26px 0;display:block}.ma-consumer .ma-visual-takeaway>strong{display:block;font-size:27px;margin-bottom:12px}.ma-consumer .ma-visual-takeaway h2{font-size:25px}.ma-consumer .ma-visual-takeaway p{font-size:18px}.ma-consumer .ma-faq summary{font-size:18px;padding:18px}.ma-consumer .ma-faq details p{font-size:17px}}
.ma-consumer .ma-consumer-program-summary{min-height:50px}@media(max-width:600px){.ma-consumer .ma-consumer-program-summary{min-height:100px}}

/* Final v1.0.18 refinements: existing CTA and result hierarchy only. */
.ma-consumer .ma-consumer-hero-link{display:inline-flex;justify-content:space-between;align-items:center;gap:24px;min-height:56px;padding:16px 24px;background:#f3c54b;border:2px solid #f3c54b;border-radius:10px;color:#061d38;font-size:18px;font-weight:800;line-height:1.35;text-decoration:none;box-shadow:0 6px 18px #00000026}
.ma-consumer .ma-consumer-hero-link:hover{background:#ffdc73;border-color:#ffdc73;color:#061d38;box-shadow:0 8px 24px #00000040}
.ma-consumer .ma-consumer-hero-link:focus-visible{outline:3px solid #fff;outline-offset:5px;box-shadow:0 0 0 2px #061d38}
.ma-consumer .ma-dpa-option{container-type:inline-size;border:1px solid #bfc9d5;box-shadow:0 5px 16px #061d380c;background:#fff}
.ma-consumer .ma-dpa-option .ma-example-kicker{font-size:14px;font-weight:750;line-height:1.4;letter-spacing:.02em;color:#465567;margin:12px 0 6px}
.ma-consumer .ma-dpa-option>strong{font-size:clamp(28px,30cqi,52px);line-height:1.12;font-weight:900;color:#061d38;letter-spacing:-.05em;padding:6px 0 10px;margin:0 0 8px;border-bottom:2px solid #d8b448}
.ma-consumer .ma-example-results>div>strong[data-down-percent]{display:block;font-size:48px;font-weight:900;line-height:1.15;color:#061d38;margin:16px 0 12px;letter-spacing:-.05em}
.ma-consumer .ma-example-total{background:linear-gradient(145deg,#fff,#f5f6f8);border:1px solid #c9d1db;border-top:4px solid #c19a33;padding:28px;box-shadow:0 8px 24px #061d3810}
.ma-consumer .ma-example-total span{font-size:17px;color:#35465b;font-weight:700}
.ma-consumer .ma-example-total strong{font-size:68px;line-height:1.12;font-weight:900;color:#061d38;letter-spacing:-.055em;margin-top:14px}
@media(max-width:600px){.ma-consumer .ma-consumer-hero-link{width:100%;font-size:17px;padding:16px 18px}.ma-consumer .ma-example-total{padding:24px 18px}.ma-consumer .ma-example-total strong{font-size:52px}.ma-consumer .ma-example-results>div>strong[data-down-percent]{font-size:30px}}
@media(max-width:360px){.ma-consumer .ma-dpa-options{grid-template-columns:1fr}.ma-consumer .ma-dpa-option>strong{font-size:44px}.ma-consumer .ma-example-total strong{font-size:46px}}

/* v1.0.18 mobile DPA containment fix; no calculation or content changes. */
.ma-consumer .ma-dpa-option{min-width:0;overflow-wrap:anywhere}
.ma-consumer .ma-dpa-option>strong{font-size:clamp(20px,21cqi,48px);max-width:100%}
.ma-consumer .ma-consumer-program-detail .ma-dpa-option>strong{font-size:clamp(16px,21cqi,32px)}
@media(max-width:600px){
 .ma-consumer .ma-dpa-options{grid-template-columns:minmax(0,1fr);gap:10px}
 .ma-consumer .ma-example-tool .ma-dpa-option{padding:14px 16px}
 .ma-consumer .ma-example-tool .ma-dpa-option h4{font-size:18px;margin-bottom:8px}
 .ma-consumer .ma-example-tool .ma-dpa-option>strong{font-size:clamp(30px,20cqi,48px);padding:4px 0 8px;margin-bottom:6px}
 .ma-consumer .ma-example-tool .ma-dpa-option .ma-example-kicker{margin:8px 0 4px}
}

/* Optional primary topic tools reuse the approved consumer shell. */
.ma-consumer.ma-primary .ma-consumer-zero>strong{font-size:clamp(32px,4vw,52px);white-space:normal;overflow-wrap:anywhere;margin:10px 0}
.ma-consumer [data-primary-tool] .ma-consumer-goal-panel{border-top:0;margin-top:20px;padding-top:0}
.ma-consumer .ma-topic-tool{min-width:0;margin-bottom:24px}
.ma-consumer .ma-topic-tool label{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px;font-size:18px;font-weight:750;color:#092747;margin:24px 0 10px;line-height:1.4}
.ma-consumer .ma-topic-tool label>span{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.ma-consumer .ma-topic-tool label output{font-size:28px;line-height:1.2;font-weight:850;white-space:nowrap;letter-spacing:-.035em}
.ma-consumer .ma-topic-tool input[type=range]{display:block;width:100%;margin:0;min-height:44px;accent-color:#092747;cursor:pointer}
.ma-consumer .ma-topic-tool .ma-example-total p{color:#35465b;font-size:18px;line-height:1.5;margin:12px 0 0;font-weight:700}
.ma-consumer .ma-topic-comparison{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:24px 0}
.ma-consumer .ma-topic-two{grid-template-columns:repeat(2,minmax(0,1fr))}
.ma-consumer .ma-topic-comparison>section{background:#fff;border:1px solid #c9d1db;border-top:3px solid #092747;box-shadow:0 5px 16px #061d380b;border-radius:12px;padding:22px;min-width:0;overflow-wrap:anywhere}
.ma-consumer .ma-topic-comparison h4{font-size:24px;color:#092747;font-weight:850;letter-spacing:-.025em;margin:0 0 16px}
.ma-consumer .ma-topic-comparison h5{font-size:18px;color:#092747;margin:24px 0 8px}
.ma-consumer .ma-topic-comparison>section>strong{display:block;font-size:42px;font-weight:900;color:#092747;white-space:nowrap;letter-spacing:-.045em;margin:8px 0 16px}
.ma-consumer .ma-topic-comparison p,.ma-consumer .ma-topic-context{font-size:17px;line-height:1.65}
.ma-consumer .ma-topic-comparison>section>span{font-size:16px;color:#465567}
.ma-consumer .ma-topic-tool .ma-topic-disclaimer{font-size:15px;line-height:1.65;color:#465567;margin:18px 0}
.ma-consumer .ma-topic-next{border-left:4px solid #b58a22;padding:4px 0 4px 20px;margin:24px 0}
.ma-consumer .ma-topic-next h4{font-size:20px;font-weight:800;color:#092747;margin:0 0 8px}
.ma-consumer .ma-topic-next p{margin:0;font-size:17px;line-height:1.6}
.ma-consumer .ma-topic-rule-notes{margin:24px 0}.ma-consumer .ma-topic-rule-notes>h4{font-size:22px;margin:0 0 16px;color:#092747}
.ma-consumer .ma-topic-rule-notes details{padding:12px 0;border-top:1px solid #c9d1db}
.ma-consumer .ma-topic-rule-notes summary{font-size:17px;line-height:1.5;font-weight:750;cursor:pointer;padding:10px 0}
.ma-consumer .ma-topic-rule-notes p{font-size:17px;line-height:1.65;margin:12px 0}
.ma-consumer .ma-topic-tool .ma-example-breakdown>div{flex-wrap:wrap}
.ma-consumer .ma-topic-tool .ma-example-breakdown dd{white-space:normal;overflow-wrap:anywhere}
@media(max-width:700px){.ma-consumer .ma-topic-comparison{grid-template-columns:1fr}.ma-consumer .ma-topic-comparison>section{padding:20px}.ma-consumer .ma-topic-comparison>section>strong{font-size:38px}}
@media(max-width:600px){.ma-consumer.ma-primary .ma-consumer-zero>strong{font-size:30px}.ma-consumer .ma-topic-tool label{font-size:17px}.ma-consumer .ma-topic-tool label output{font-size:26px}.ma-consumer .ma-topic-tool .ma-example-total strong{font-size:clamp(36px,11vw,48px)}.ma-consumer .ma-topic-context{font-size:17px}.ma-consumer .ma-topic-comparison p{font-size:17px}.ma-consumer .ma-topic-tool label>span output{font-size:23px}}
.ma-consumer.ma-primary .ma-faq{background:#f6f7f9}

/* UX discovery: shared native steps and contextual internal links. */
.ma-consumer .ma-tool-context{font-size:17px;line-height:1.55;margin:0 0 20px}
.ma-consumer .ma-choice-outcome{font-weight:650;border-left:4px solid var(--ma-gold);padding:12px 16px;background:#fff;color:var(--ma-navy)}
.ma-consumer .ma-choice-steps{padding-left:28px;margin:22px 0}.ma-consumer .ma-choice-steps li{padding:0 0 18px 10px;border-bottom:1px solid #d8e0e8;margin-bottom:18px}.ma-consumer .ma-choice-steps li::marker{font-size:24px;font-weight:800;color:var(--ma-navy)}.ma-consumer .ma-choice-steps h4{font-size:20px;margin:0 0 6px;line-height:1.3}.ma-consumer .ma-choice-steps p{margin:0;line-height:1.55}
.ma-consumer .ma-choice-discovery{display:grid;gap:12px;margin:22px 0}.ma-consumer .ma-choice-discovery a{display:block;padding:14px 16px;border:1px solid #d2dce5;background:white;border-radius:9px;font-size:17px;line-height:1.45;font-weight:650;color:var(--ma-navy);text-decoration:none}
.ma-consumer .ma-discovery{margin:0 0 30px}.ma-consumer .ma-discovery h2{font-size:28px;line-height:1.25;margin:0 0 16px}.ma-consumer .ma-discovery>div{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.ma-consumer .ma-discovery a{display:flex;justify-content:space-between;gap:14px;align-items:center;padding:20px;background:white;border:1px solid #d2dce5;border-radius:12px;box-shadow:0 3px 12px #09284708;color:var(--ma-navy);font-size:18px;line-height:1.4;font-weight:700;text-decoration:none}.ma-consumer .ma-discovery a:hover,.ma-consumer .ma-choice-discovery a:hover{border-color:var(--ma-navy)}.ma-consumer .ma-discovery a:focus-visible,.ma-consumer .ma-choice-discovery a:focus-visible{outline:3px solid var(--ma-gold);outline-offset:3px}
@media(max-width:600px){.ma-consumer .ma-discovery>div{grid-template-columns:1fr;gap:10px}.ma-consumer .ma-discovery a{padding:16px;font-size:17px}.ma-consumer .ma-discovery h2{font-size:25px}.ma-consumer .ma-choice-steps h4{font-size:19px}.ma-consumer .ma-choice-steps p,.ma-consumer .ma-choice-outcome{font-size:17px}}

/* Choice buttons: constrain theme typography and keep the arrow separate. */
.ma-consumer :is(.ma-consumer-goal-buttons button[data-goal-target],.ma-consumer-goal-panel>.ma-choice-action){display:grid!important;grid-template-columns:minmax(0,1fr) 20px;column-gap:12px;align-items:center;justify-content:normal;box-sizing:border-box;width:100%;max-width:100%;min-width:0;height:auto!important;min-height:48px;padding:14px 16px!important;text-align:left;text-transform:none!important;letter-spacing:normal!important;white-space:normal!important;line-height:1.45;font-size:18px;overflow:visible;text-overflow:clip}
.ma-consumer :is(.ma-consumer-goal-buttons button[data-goal-target],.ma-consumer-goal-panel>.ma-choice-action)>.ma-choice-label{display:block;color:inherit;min-width:0;max-width:100%;font-size:inherit;line-height:inherit;font-weight:inherit;letter-spacing:normal!important;text-transform:none!important;white-space:normal!important;overflow-wrap:anywhere;word-break:normal;overflow:visible;text-overflow:clip}
.ma-consumer :is(.ma-consumer-goal-buttons button[data-goal-target],.ma-consumer-goal-panel>.ma-choice-action)>.ma-choice-arrow{display:block;width:20px;min-width:20px;max-width:20px;justify-self:end;align-self:center;text-align:center;line-height:1;letter-spacing:normal!important;font-size:21px;white-space:nowrap;overflow:visible}
.ma-consumer :is(.ma-consumer-goal-buttons button[data-goal-target],.ma-consumer-goal-panel>.ma-choice-action):focus-visible{outline:3px solid var(--ma-gold);outline-offset:3px}
@media(max-width:600px){.ma-consumer :is(.ma-consumer-goal-buttons button[data-goal-target],.ma-consumer-goal-panel>.ma-choice-action){font-size:17px;padding:14px 16px!important}}