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rgba(255,255,255,.18);font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}.usb-hero-title{font-family:var(--font-heading,"Montserrat"),sans-serif;font-size:2rem;font-weight:800;line-height:1.1;letter-spacing:-.018em;margin:0}.usb-hero-sub{font-size:.98rem;line-height:1.55;opacity:.92;margin:0}.usb-hero-stats{display:flex;align-items:center;gap:26px;flex-shrink:0}.usb-hero-stat{display:flex;flex-direction:column;align-items:flex-end;gap:4px;text-align:right}.usb-hero-stat-val{font-family:var(--font-heading,"Montserrat"),sans-serif;font-size:2.6rem;font-weight:800;letter-spacing:-.02em;line-height:1;text-shadow:0 2px 12px rgba(0,0,0,.22)}.usb-hero-stat-label{font-size:.78rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:rgba(255,255,255,.85)}.usb-hero-stat-divider{width:1px;height:64px;background:rgba(255,255,255,.3);flex-shrink:0}.usb-hero-bottom{display:flex;justify-content:flex-end;align-items:center;gap:14px;margin-top:8px;padding-top:18px;border-top:1px solid rgba(255,255,255,.16)}.usb-hero-reset{display:inline-flex;align-items:center;gap:6px;padding:9px 14px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.24);color:#fff;font-family:inherit;font-size:.78rem;font-weight:700;cursor:pointer;transition:background .18s ease,transform .18s ease}.usb-hero-reset:hover{background:rgba(255,255,255,.22);transform:translateY(-1px)}.usb-results{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;align-items:start}@media (max-width:1100px){.usb-results{grid-template-columns:1fr}}.usb-form{--ud-head-grad:linear-gradient(135deg,#312e81,#4338ca 50%,#4f46e5);--ud-tone-solid:#4338ca}.usb-form-body{display:grid;grid-template-columns:1fr;gap:20px 30px;align-items:start}@media (min-width:820px){.usb-form-body{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (min-width:1240px){.usb-form-body{grid-template-columns:repeat(3,minmax(0,1fr))}}.usb-fieldset{border:0;margin:0;padding:0;min-width:0}.usb-legend{display:inline-flex;align-items:center;gap:6px;margin-bottom:8px;padding:0;font-size:.72rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--theme-text-muted,#64748b)}[data-effective-mode=dark] .usb-legend{color:#a78bfa}.usb-fieldset-body{gap:10px}.usb-field,.usb-fieldset-body{display:flex;flex-direction:column}.usb-field{gap:4px}.usb-field-label{font-size:.78rem;font-weight:600;color:var(--theme-text-muted,#475569)}[data-effective-mode=dark] .usb-field-label{color:#cbd5e1}.usb-field-input-wrap{position:relative;display:flex;align-items:center}.usb-field-prefix{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--theme-text-muted,#94a3b8);font-size:.86rem;pointer-events:none}.usb-field-input{width:100%;padding:9px 12px;border-radius:10px;border:1px solid var(--theme-border,rgba(15,23,42,.14));background:var(--theme-surface,#ffffff);color:var(--theme-text,#0f172a);font-family:inherit;font-size:.92rem;font-weight:600;outline:none;transition:border-color var(--mode-transition),box-shadow var(--mode-transition)}[data-effective-mode=dark] .usb-field-input{background:rgba(15,23,42,.6);border-color:rgba(167,139,250,.24);color:#f1f5f9}.usb-field-input-wrap .usb-field-input{padding-left:26px}.usb-field-input:focus{border-color:#6366f1;box-shadow:0 0 0 3px rgba(99,102,241,.18)}.usb-field-hint{font-size:.74rem;color:var(--theme-text-muted,#94a3b8)}[data-effective-mode=dark] .usb-field-hint{color:#a78bfa}.usb-toggle{display:inline-flex;align-items:center;gap:10px;cursor:pointer;padding:4px 0}.usb-toggle input{display:none}.usb-toggle-track{width:36px;height:20px;border-radius:999px;background:rgba(15,23,42,.16);position:relative;transition:background var(--mode-transition)}[data-effective-mode=dark] .usb-toggle-track{background:rgba(167,139,250,.3)}.usb-toggle input:checked+.usb-toggle-track{background:linear-gradient(135deg,#6366f1,#8b5cf6)}.usb-toggle-thumb{position:absolute;width:16px;height:16px;border-radius:50%;background:#fff;top:2px;left:2px;transition:left .18s ease;box-shadow:0 2px 6px rgba(15,23,42,.2)}.usb-toggle input:checked+.usb-toggle-track .usb-toggle-thumb{left:18px}.usb-toggle-label{font-size:.85rem;font-weight:600;color:var(--theme-text,#1e293b)}[data-effective-mode=dark] .usb-toggle-label{color:#e2e8f0}.usb-quote{position:relative;--ud-tone-solid:#6366f1}.usb-quote[data-program=conventional]{--ud-tone-solid:#7c3aed}.usb-quote[data-program=fha]{--ud-tone-solid:#f97316}.usb-quote[data-program=va]{--ud-tone-solid:#0ea5e9}.usb-quote[data-qualifies=false]{opacity:.78}.usb-quote[data-qualifies=false]:hover{opacity:.95}.usb-quote-head{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 22px;color:#fff;background:linear-gradient(135deg,#4338ca,#6366f1);flex-wrap:wrap}.usb-quote[data-program=conventional] .usb-quote-head{background:linear-gradient(135deg,#5b21b6,#7c3aed)}.usb-quote[data-program=fha] .usb-quote-head{background:linear-gradient(135deg,#b45309,#f97316)}.usb-quote[data-program=va] .usb-quote-head{background:linear-gradient(135deg,#0c4a6e,#0ea5e9)}.usb-quote-head-left{display:flex;align-items:center;gap:12px;min-width:0}.usb-quote-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.2);border:1px solid rgba(255,255,255,.3);flex-shrink:0}.usb-quote-name{font-family:var(--font-heading,"Montserrat"),sans-serif;font-size:1.4rem;font-weight:800;letter-spacing:-.018em;color:#fff;margin:0 0 2px}.usb-quote-best-for{font-size:.82rem;color:rgba(255,255,255,.84);margin:0;line-height:1.35}.usb-quote-head-right{display:flex;align-items:center;gap:8px;flex-shrink:0}.usb-quote-best-pill{gap:4px;padding:5px 11px;background:linear-gradient(135deg,#fbbf24,#f59e0b);color:#422006;box-shadow:0 4px 12px rgba(245,158,11,.35)}.usb-quote-best-pill,.usb-quote-status{display:inline-flex;align-items:center;border-radius:999px;font-size:.72rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase}.usb-quote-status{gap:5px;padding:5px 12px;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.3);color:#fff}.usb-quote-status[data-qualifies=true]{background:rgba(16,185,129,.3);border-color:rgba(110,231,183,.45)}.usb-quote-status[data-qualifies=false]{background:rgba(225,29,72,.32);border-color:rgba(252,165,165,.5)}.usb-quote-piti{padding:20px 22px 12px;display:flex;flex-direction:column;gap:10px}.usb-quote-piti-grand{display:flex;justify-content:space-between;align-items:baseline}.usb-quote-piti-label{font-size:.78rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--theme-text-muted,#64748b)}[data-effective-mode=dark] .usb-quote-piti-label{color:#a78bfa}.usb-quote-piti-val{font-family:var(--font-heading,"Montserrat"),sans-serif;font-size:2rem;font-weight:800;letter-spacing:-.018em;color:var(--theme-text,#0f172a)}[data-effective-mode=dark] .usb-quote-piti-val{color:#f1f5f9}.usb-quote-piti-rows{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:4px}.usb-piti-row{display:flex;justify-content:space-between;font-size:.86rem;color:var(--theme-text-muted,#475569);font-variant-numeric:tabular-nums}[data-effective-mode=dark] .usb-piti-row{color:#cbd5e1}.usb-piti-row-big{font-size:.92rem;color:var(--theme-text,#1e293b);font-weight:600}[data-effective-mode=dark] .usb-piti-row-big{color:#f1f5f9}.usb-piti-row-grand{margin-top:6px;padding-top:10px;border-top:1px dashed var(--theme-border,rgba(15,23,42,.16));font-weight:800;font-size:1rem;color:var(--theme-text,#0f172a)}[data-effective-mode=dark] .usb-piti-row-grand{border-top-color:rgba(167,139,250,.3);color:#f1f5f9}.usb-quote-metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(110px,1fr));gap:8px;padding:6px 22px 18px}.usb-metric{display:flex;flex-direction:column;gap:2px;padding:10px 12px;border-radius:10px;background:rgba(99,102,241,.06);border:1px solid rgba(99,102,241,.16)}[data-effective-mode=dark] .usb-metric{background:rgba(99,102,241,.16);border-color:rgba(167,139,250,.26)}.usb-metric-full{grid-column:1/-1}.usb-metric-label{font-size:.7rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--theme-text-muted,#64748b)}[data-effective-mode=dark] .usb-metric-label{color:#a78bfa}.usb-metric-val{font-family:var(--font-heading,"Montserrat"),sans-serif;font-size:1.05rem;font-weight:800;letter-spacing:-.01em;color:var(--theme-text,#0f172a);font-variant-numeric:tabular-nums}[data-effective-mode=dark] .usb-metric-val{color:#f1f5f9}.usb-quote-cash{padding:16px 22px;border-top:1px solid var(--theme-border,rgba(15,23,42,.08));background:rgba(99,102,241,.04)}[data-effective-mode=dark] .usb-quote-cash{background:rgba(99,102,241,.12);border-top-color:rgba(167,139,250,.2)}.usb-quote-cash-title{display:inline-flex;align-items:center;gap:6px;font-size:.78rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:var(--theme-text-muted,#475569);margin-bottom:10px}[data-effective-mode=dark] .usb-quote-cash-title{color:#a78bfa}.usb-quote-cash-rows{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:6px}.usb-quote-notes{padding:18px 22px 22px;border-top:1px solid var(--theme-border,rgba(15,23,42,.08));display:flex;flex-direction:column;gap:12px}[data-effective-mode=dark] .usb-quote-notes{border-top-color:rgba(167,139,250,.2)}.usb-quote-note-block{padding:12px 14px;border-radius:12px;background:rgba(99,102,241,.06);border:1px solid rgba(99,102,241,.18)}.usb-quote-note-block[data-tone=good]{background:rgba(16,185,129,.08);border-color:rgba(16,185,129,.24)}[data-effective-mode=dark] .usb-quote-note-block[data-tone=good]{background:rgba(16,185,129,.18)}.usb-quote-note-block[data-tone=warn]{background:rgba(245,158,11,.1);border-color:rgba(245,158,11,.28)}[data-effective-mode=dark] .usb-quote-note-block[data-tone=warn]{background:rgba(245,158,11,.22)}.usb-quote-note-block[data-tone=bad]{background:rgba(225,29,72,.1);border-color:rgba(225,29,72,.28)}[data-effective-mode=dark] .usb-quote-note-block[data-tone=bad]{background:rgba(225,29,72,.22)}.usb-quote-note-block h4{display:inline-flex;align-items:center;gap:5px;margin:0 0 6px;font-size:.78rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--theme-text,#1e293b)}[data-effective-mode=dark] .usb-quote-note-block h4{color:#f1f5f9}.usb-quote-note-block[data-tone=good] h4{color:#047857}[data-effective-mode=dark] .usb-quote-note-block[data-tone=good] h4{color:#6ee7b7}.usb-quote-note-block[data-tone=warn] h4{color:#b45309}[data-effective-mode=dark] .usb-quote-note-block[data-tone=warn] h4{color:#fcd34d}.usb-quote-note-block[data-tone=bad] h4{color:#be123c}[data-effective-mode=dark] .usb-quote-note-block[data-tone=bad] h4{color:#fca5a5}.usb-quote-note-block ul{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:4px}.usb-quote-note-block li{font-size:.86rem;line-height:1.5;color:var(--theme-text,#1e293b)}[data-effective-mode=dark] .usb-quote-note-block li{color:#e2e8f0}.usb-disclaimer{display:flex;align-items:flex-start;gap:8px;padding:14px 16px;border-radius:12px;background:rgba(168,85,247,.08);border:1px dashed rgba(168,85,247,.3);font-size:.84rem;line-height:1.45;color:var(--theme-text-muted,#475569)}.usb-disclaimer svg{flex-shrink:0;color:#a855f7;margin-top:2px}[data-effective-mode=dark] .usb-disclaimer{background:rgba(168,85,247,.16);border-color:rgba(168,85,247,.45);color:#e2e8f0}