.simulator-v13{background:#f5f7f5;color:#344b47}.simulator-v13 .mobile-cta{display:none}.simulator-v13 h1{font-size:clamp(38px,4.2vw,57px);line-height:1.5;letter-spacing:-.04em}.simulator-v13 h1 em{font-style:normal;color:#1d725c}.sim-hero{padding:30px 0 46px;background:#eef3ee;border-bottom:1px solid #dbe5de}.sim-back{font-size:12px;color:#596e63;text-decoration:none}.sim-heading{display:grid;grid-template-columns:1fr .75fr;gap:70px;align-items:center;margin-top:30px}.sim-heading .eyebrow{margin-bottom:15px}.sim-heading p{font-size:16px;line-height:1.9;margin-top:19px}.sim-guide{border-left:2px solid #b7cdc0;padding:12px 0 12px 30px}.sim-guide>span{font-size:12px;font-weight:600;color:#39745d}.sim-guide ol{padding-left:1.5em;font-size:14px;line-height:2.3;margin:10px 0}.sim-guide small{font-size:11px;line-height:1.8;display:block;color:#66776d}.sim-workspace{padding-top:32px;padding-bottom:64px}.sim-tabs{display:flex;border-bottom:1px solid #cddcd2;gap:28px}.sim-tabs button{border:0;background:transparent;padding:16px 4px;color:#61766b;font-size:14px;border-bottom:3px solid transparent;min-height:52px}.sim-tabs [aria-selected=true]{border-color:#246850;color:#164b3b;font-weight:600}.sim-panel-intro{margin:30px 0 23px;display:flex;justify-content:space-between;align-items:center;gap:25px}.sim-panel-intro h2{font-size:22px;line-height:1.6}.sim-panel-intro p{font-size:11px;color:#6b7d71}.sim-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:28px;align-items:start}.sim-grid>*{min-width:0}.sim-card{background:#fff;border:1px solid #d9e2dc;border-radius:16px;box-shadow:0 5px 22px #193c2910}.sim-form{padding:28px}.sim-card-heading,.sim-result-top{display:flex;align-items:center;gap:10px;flex-wrap:wrap}.sim-step{display:inline-flex;width:25px;height:25px;flex-shrink:0;align-items:center;justify-content:center;border-radius:50%;background:#e4eee7;color:#236148;font:600 12px Arial,sans-serif}.sim-card-heading h3,.sim-result-top h3{font-size:17px;line-height:1.6}.sim-reset{margin-left:auto;background:transparent;border:0;color:#62746a;text-decoration:underline;font-size:10px;min-height:36px;padding:6px}.sim-examples{display:flex;gap:7px;align-items:center;margin:20px 0 24px;flex-wrap:wrap}.sim-examples>span{font-size:10px;color:#728177;margin-right:4px}.sim-examples button{font-size:11px;border:1px solid #d9e4dc;border-radius:7px;background:#f5f8f5;color:#3d6852;padding:5px 12px;min-height:34px}.sim-examples button:hover{background:#e0eee3}.sim-field{margin-bottom:23px}.sim-field label{display:block;font-size:13px;font-weight:600;color:#264e3f;margin-bottom:8px;line-height:1.7}.sim-input{display:flex;align-items:center;border:1px solid #c9d7cd;background:#fff;border-radius:9px;padding-right:16px;overflow:hidden}.sim-input:focus-within{outline:2px solid #73a285;outline-offset:2px}.sim-input input{width:100%;min-width:0;font-family:Arial,sans-serif;font-size:25px;font-weight:500;line-height:1.5;color:#173e2d;border:0;background:transparent;padding:12px 16px;outline:0;box-shadow:none}.sim-input input:focus-visible{outline:0}.sim-input>span{font-size:13px;color:#718076;flex-shrink:0}.sim-help{font-size:10px!important;color:#738077;line-height:1.8;margin-top:7px!important}.sim-funnel{border-radius:10px;padding:16px;background:#eff5ee;display:grid;grid-template-columns:1fr auto;gap:3px 10px;margin:2px 0 24px}.sim-funnel>span{font-size:12px;color:#3c654e;align-self:center}.sim-funnel>b{font:500 25px Arial,sans-serif;color:#1b6144}.sim-funnel small{grid-column:1/-1;font-size:10px;color:#728175}.sim-details{border-top:1px solid #e0e8e1;border-bottom:1px solid #e0e8e1}.sim-details summary{display:flex;justify-content:space-between;gap:15px;align-items:center;cursor:pointer;list-style:none;padding:19px 0}.sim-details summary::-webkit-details-marker{display:none}.sim-details summary b{font-size:12px;font-weight:500;display:block}.sim-details summary small{display:block;font-size:10px;color:#748277;margin-top:3px;line-height:1.8}.sim-details summary>span:last-child{font-size:20px;align-self:flex-start;color:#47735a}.sim-details[open] summary>span:last-child{transform:rotate(45deg)}.sim-detail-fields{padding-top:12px;display:grid;grid-template-columns:1fr 1fr;gap:0 20px}.sim-detail-fields .sim-field:last-child{grid-column:1/-1}.sim-detail-fields .sim-input input{font-size:20px;padding:10px}.sim-detail-fields .sim-field label{font-size:11px}.sim-form-note{font-size:10px;line-height:1.9;color:#7a867c;margin-top:17px}.sim-result-card{padding:28px}.sim-result-top{gap:8px}.sim-result-top h3{font-size:17px}.sim-period{margin-left:auto;display:flex;padding:3px;border-radius:8px;background:#edf2ed;gap:2px}.sim-period button{font-size:10px;line-height:1.5;padding:7px 9px;min-height:32px;border:0;border-radius:5px;background:transparent;color:#6a7a6c}.sim-period button[aria-pressed=true]{background:#fff;box-shadow:0 1px 4px #203e2920;color:#1e593e}.sim-assumption-tag{font-size:10px;color:#708172;margin-top:13px}.sim-equation{display:grid;grid-template-columns:minmax(0,1fr) 20px minmax(0,1fr);align-items:center;gap:12px;margin:25px 0 20px}.sim-money>span{font-size:12px;color:#6a7c6f}.sim-money strong{display:block;font:500 clamp(22px,2.5vw,30px) Arial,sans-serif;color:#254b39;margin-top:4px;overflow-wrap:anywhere}.sim-sign{font-size:22px;color:#9aaba0;text-align:center}.sim-balance{background:#173f30;border-radius:12px;padding:23px;color:#fff;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px}.sim-balance>div>span{display:block;font-size:12px}.sim-balance small{display:block;font-size:9px;color:#bbd0c1;margin-top:4px}.sim-balance>strong{font:500 clamp(28px,3.8vw,43px) Arial,sans-serif;color:#f0f6de;letter-spacing:-.03em;overflow-wrap:anywhere}.sim-balance>strong.negative{color:#ffd0b9}.sim-result-status{font-size:11px;line-height:1.9;color:#5c7564;margin-top:15px;min-height:21px}.sim-result-status.is-warning{color:#944d35}.sim-cost-bar{display:flex;height:9px;border-radius:6px;overflow:hidden;background:#eff3ee;margin-top:24px}.sim-cost-bar>span{transition:width .18s}.bar-direct,.dot.direct{background:#77a791}.bar-payment,.dot.payment{background:#c7d9a7}.bar-fixed,.dot.fixed{background:#b6c0b7}.bar-remaining{background:#28654c}.sim-breakdown{margin:18px 0 0}.sim-breakdown>div{display:flex;justify-content:space-between;gap:20px;padding:8px 0;font-size:11px;border-bottom:1px solid #edf1ec}.sim-breakdown dt{display:flex;gap:8px;align-items:center}.sim-breakdown dd{margin:0;font-family:Arial,sans-serif;font-size:13px}.dot{display:inline-block;width:7px;height:7px;border-radius:50%;flex-shrink:0}.sim-metrics{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:15px}.sim-metrics .sim-card{padding:18px 20px}.sim-metrics span{display:block;font-size:10px;color:#687c6d;line-height:1.8}.sim-metrics strong{display:block;font:500 25px Arial,sans-serif;color:#22523a;margin:7px 0;overflow-wrap:anywhere}.sim-metrics strong.negative{color:#a25436}.sim-metrics small{font-size:9px;line-height:1.8;display:block;color:#7b877e}.sim-important{font-size:10px;color:#778579;line-height:1.9;margin-top:17px}.sim-trend{padding:28px;margin-top:28px}.sim-trend-heading{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}.sim-trend-heading>div{display:flex;align-items:center;gap:10px}.sim-trend-heading h3{font-size:17px}.sim-download{background:#f3f7f2;color:#476951;font-size:10px;border:1px solid #d6e1d5;border-radius:7px;padding:9px 13px;min-height:38px}.sim-chart{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:15px;margin:23px 0 15px;padding:0 8px}.sim-chart-col{text-align:center;min-width:0}.sim-chart-col.is-selected{background:#f0f5ee;border-radius:6px}.sim-chart-stage{height:130px;position:relative;border-bottom:1px solid #d7e2d8;display:grid;grid-template-rows:1fr 1fr}.sim-chart-stage:before{content:'';position:absolute;top:50%;width:100%;border-top:1px solid #a6bca8;z-index:1}.sim-chart-positive,.sim-chart-negative{position:relative;margin:0 auto;width:min(42px,65%)}.sim-chart-positive{align-self:end;background:#327355;border-radius:5px 5px 0 0;grid-row:1}.sim-chart-negative{align-self:start;background:#cb8d70;border-radius:0 0 5px 5px;grid-row:2}.sim-chart-col>span{display:block;font-size:10px;color:#71816e;margin-top:10px}.sim-chart-col>b{display:block;font:500 12px Arial,sans-serif;margin-top:3px;color:#2c5a40}.sim-chart-col>b.negative{color:#a25b3f}.sim-monthly-details{border-top:1px solid #e1e8df;margin-top:22px}.sim-monthly-details summary,.sim-formula summary{font-size:11px;cursor:pointer;padding:15px 0}.sim-table-wrap{overflow-x:auto}.sim-table-wrap table{border-collapse:collapse;width:100%;font-size:11px;min-width:520px}.sim-table-wrap caption{text-align:left;font-size:10px;color:#788673;margin-bottom:10px}.sim-table-wrap th,.sim-table-wrap td{padding:12px;text-align:right;border-bottom:1px solid #e3eade}.sim-table-wrap th{font-size:10px;color:#698069;background:#f4f7f1}.sim-table-wrap th:first-child,.sim-table-wrap td:first-child{text-align:left}.sim-table-wrap td{font-family:Arial,sans-serif}.sim-table-wrap td.negative{color:#a25b3f}.sim-formula{margin-top:20px;border-top:1px solid #dbe4d9}.sim-formula p{font-size:11px;line-height:2;max-width:950px;margin-top:12px}.sim-consult{margin-top:32px;background:#e6eee2;padding:28px;border-radius:13px;display:flex;align-items:center;justify-content:space-between;gap:25px}.sim-consult h3{font-size:19px}.sim-consult p{font-size:11px;margin-top:8px}.sim-consult .button{font-size:12px;white-space:nowrap}.sim-result-card>.button{margin-top:25px}#physician .sim-form{padding-top:28px}#physician .sim-card-heading{margin-bottom:24px}.simulator-v13 .site-footer{margin-top:0}
@media(max-width:1100px){.sim-grid{gap:20px}.sim-form,.sim-result-card,.sim-trend{padding:23px}.sim-period{margin-left:33px}.sim-heading{gap:35px}.sim-card-heading h3{font-size:16px}.sim-reset{margin-left:33px}.sim-consult{align-items:flex-start;flex-direction:column}}
@media(max-width:800px){.sim-heading{grid-template-columns:1fr .8fr;gap:30px}.sim-heading h1{font-size:39px}.sim-guide{padding-left:22px}.sim-guide ol{font-size:11px}.sim-grid{grid-template-columns:1fr;gap:22px}.sim-form{padding:25px}.sim-period{margin-left:auto}.sim-reset{margin-left:auto}.sim-results{display:grid;grid-template-columns:1fr}.sim-panel-intro{display:block}.sim-panel-intro p{margin-top:8px}.sim-money strong{font-size:29px}.sim-balance>strong{font-size:40px}.sim-consult{flex-direction:row;align-items:center}.sim-guide small{font-size:10px}}
@media(max-width:600px){.simulator-v13 .container{width:calc(100% - 32px)}.sim-hero{padding:22px 0 29px}.sim-heading{display:block;margin-top:23px}.sim-heading h1{font-size:38px;line-height:1.45}.sim-heading .eyebrow{font-size:10px;margin-bottom:12px}.sim-heading p{font-size:14px;margin-top:16px}.sim-guide{margin-top:25px;border-left:0;border-top:1px solid #ceded1;padding:17px 0 0}.sim-guide ol{font-size:11px;line-height:2;margin:6px 0}.sim-guide small{font-size:9px}.sim-guide>span{font-size:10px}.sim-back{font-size:10px}.sim-workspace{padding-top:16px;padding-bottom:35px}.sim-tabs{gap:15px}.sim-tabs button{font-size:11px;padding:13px 5px;min-height:48px;flex:1}.sim-panel-intro{margin:23px 0 18px}.sim-panel-intro h2{font-size:19px}.sim-panel-intro p{font-size:9px}.sim-form,.sim-result-card,.sim-trend{padding:20px;border-radius:13px}.sim-field label{font-size:12px}.sim-input input{font-size:26px}.sim-field{margin-bottom:22px}.sim-detail-fields{gap:0 12px}.sim-detail-fields .sim-input input{font-size:20px;padding:10px}.sim-detail-fields .sim-field label{font-size:10px}.sim-input>span{font-size:11px}.sim-card-heading h3,.sim-result-top h3{font-size:15px}.sim-reset{font-size:9px;padding-right:0}.sim-period{margin-left:33px}.sim-money strong{font-size:27px}.sim-balance{padding:20px}.sim-balance>strong{font-size:37px;margin-left:auto}.sim-balance>div>span{font-size:11px}.sim-result-status{font-size:10px}.sim-metrics{gap:10px}.sim-metrics .sim-card{padding:15px}.sim-metrics strong{font-size:23px}.sim-metrics span{font-size:9px}.sim-breakdown>div{font-size:10px}.sim-trend{margin-top:22px}.sim-trend-heading{gap:14px}.sim-trend-heading h3{font-size:15px}.sim-download{font-size:9px;margin-left:33px}.sim-chart{gap:5px;padding:0;margin-top:18px}.sim-chart-stage{height:115px}.sim-chart-col>b{font-size:10px}.sim-chart-col>span{font-size:9px}.sim-consult{padding:22px;display:block}.sim-consult h3{font-size:17px}.sim-consult p{font-size:10px}.sim-consult .button{margin-top:19px;width:100%;white-space:normal;font-size:12px}.sim-important{font-size:9px}.sim-formula p{font-size:10px}}
@media(prefers-reduced-motion:reduce){.sim-cost-bar>span{transition:none}}
