:root{
  --fp-bg:#ffffff;
  --fp-off:#f9fafb;
  --fp-ink:#111827;
  --fp-sub:#4b5563;
  --fp-line:#e5e7eb;
  --fp-accent:#1f2937;
  --fp-soft:#d1d5db;
}
.fp-nyc-calc{border:1px solid var(--fp-line);border-radius:18px;padding:18px;margin:22px 0;background:var(--fp-bg)}
.fp-nyc-head{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;margin-bottom:14px}
.fp-nyc-head h3{margin:0;font-size:20px;line-height:1.2;color:var(--fp-ink);letter-spacing:-0.2px}
.fp-sub{margin:6px 0 0 0;color:var(--fp-sub);font-size:13px}
.fp-badge{border:1px solid var(--fp-line);background:var(--fp-off);color:var(--fp-ink);padding:6px 10px;border-radius:999px;font-weight:800;font-size:12px;white-space:nowrap}
.fp-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-bottom:12px}
.fp-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:640px){.fp-grid,.fp-grid-2{grid-template-columns:1fr}}
.fp-nyc-calc label{display:flex;flex-direction:column;gap:6px;font-weight:800;font-size:12px;color:var(--fp-ink)}
.fp-nyc-calc input,.fp-nyc-calc select{padding:10px 10px;border:1px solid var(--fp-soft);border-radius:12px;font-size:14px;background:#fff}
.fp-nyc-calc input:focus,.fp-nyc-calc select:focus{outline:none;border-color:#9ca3af;box-shadow:0 0 0 3px rgba(31,41,55,0.08)}
.fp-hint{font-size:11px;color:var(--fp-sub);font-weight:700}
.fp-advanced{margin:8px 0 12px 0}
.fp-advanced summary{cursor:pointer;color:var(--fp-ink);font-weight:900;list-style:none}
.fp-advanced summary::-webkit-details-marker{display:none}
.fp-summary-note{font-weight:800;color:var(--fp-sub);margin-left:6px;font-size:12px}
.fp-btn{display:inline-block;padding:10px 14px;border-radius:14px;border:1px solid var(--fp-accent);background:var(--fp-accent);color:#fff;font-weight:900;cursor:pointer}
.fp-btn:hover{opacity:.94}
.fp-result{margin-top:14px}
.fp-card{border:1px solid var(--fp-line);border-radius:16px;padding:14px;background:var(--fp-off)}
.fp-card-top{display:flex;align-items:center;justify-content:space-between;gap:10px}
.fp-big{font-size:22px;font-weight:950;color:var(--fp-ink)}
.fp-small{font-size:13px;font-weight:900;color:var(--fp-sub)}
.fp-fit{display:inline-flex;align-items:center;padding:6px 10px;border-radius:999px;font-size:12px;font-weight:900;border:1px solid var(--fp-line);background:#fff;white-space:nowrap}
.fp-fit-high{color:#065f46;border-color:#bbf7d0}
.fp-fit-med{color:#b45309;border-color:#fed7aa}
.fp-fit-low{color:#991b1b;border-color:#fecaca}
.fp-compare{margin-top:8px;font-size:13px;color:var(--fp-ink);font-weight:800}
.fp-note{margin-top:10px;font-size:12px;color:var(--fp-sub);font-weight:700}
.fp-error{border:1px solid #fecaca;background:#fff1f2;color:#9f1239;padding:12px;border-radius:12px;font-weight:950}
.fp-foot{margin-top:12px;padding-top:10px;border-top:1px solid var(--fp-line);color:var(--fp-sub);font-size:12px}
.fp-foot-row{display:flex;gap:12px;flex-wrap:wrap}
.fp-foot-item{font-weight:800}


/* Fix theme/dark-mode overrides where selected <select> text becomes invisible */
.fp-nyc-calc select{
  color: var(--fp-ink) !important;
  background-color: #ffffff !important;
  -webkit-text-fill-color: var(--fp-ink);
}
.fp-nyc-calc select option{
  color: var(--fp-ink);
  background-color: #ffffff;
}


/* Insurers (no links, editorial) */
.fp-insurers{
  margin-top:12px;
  padding:12px;
  border:1px solid var(--fp-line);
  background:#ffffff;
  border-radius:14px;
}
.fp-insurers-title{
  font-size:12px;
  font-weight:950;
  color:var(--fp-ink);
  letter-spacing:-0.1px;
  margin-bottom:8px;
}
.fp-insurers-list{
  margin:0;
  padding-left:16px;
}
.fp-insurers-list li{
  margin:6px 0;
  font-size:12px;
  font-weight:750;
  color:var(--fp-ink);
}
.fp-insurers-list li span{
  font-weight:700;
  color:var(--fp-sub);
}
.fp-insurers-disclaimer{
  margin-top:10px;
  font-size:11px;
  font-weight:700;
  color:var(--fp-sub);
}


.fp-territory{margin-top:6px;font-size:12px;font-weight:750;color:var(--fp-sub)}
.fp-territory strong{color:var(--fp-ink)}