fieldset{border:0;padding:0;margin:0}legend{font-size:19px;font-weight:bold;margin-bottom:16px}
.programs{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.programs label{display:flex;align-items:center;gap:10px;padding:18px 14px;border:1px solid #c5cbc0;border-radius:8px;cursor:pointer;min-height:72px}
.programs label:has(input:checked){background:#e8eee4;border-color:#465e50;box-shadow:inset 0 0 0 1px #465e50}
.programs input{accent-color:#465e50;width:18px!important;height:18px;min-height:18px!important;margin:0!important;padding:0!important;flex-shrink:0}
.simple{margin-top:20px}.quick-total{display:none}#upfront{font-size:14px}.estimate details{margin-bottom:18px}
.loan-example{padding:14px 18px;border:1px solid var(--line);border-radius:8px;background:var(--sage);font-size:14px;margin:0 0 20px}
@media(max-width:760px){.programs label{padding:15px 9px}.quick-total{display:block;padding:12px;border-radius:6px;background:#e8eee4;font-size:14px}}