.insurance-rate-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin-top: 14px;
}
.insurance-rate {
  min-width: 0;
  padding: 13px;
  border: 1px solid var(--outline-soft);
  border-radius: 4px;
  background: var(--surface);
}
.insurance-rate span {
  display: block;
  color: var(--muted);
  font-size: 11px;
}
.insurance-rate strong {
  display: block;
  margin-top: 4px;
  color: var(--primary);
  font-size: 16px;
}
.insurance-toggle-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}
.scope-toggle-card {
  display: flex;
  min-width: 0;
  align-items: flex-start;
  gap: 12px;
  padding: 16px;
  border: 1px solid var(--outline-soft);
  border-radius: 6px;
  background: var(--surface-low);
  cursor: pointer;
}
.scope-toggle-card:has(input:checked) {
  border-color: var(--blue);
  background: #eef5ff;
}
.scope-toggle-card input {
  width: 18px;
  height: 18px;
  flex: 0 0 18px;
  margin-top: 2px;
  accent-color: var(--blue);
}
.scope-toggle-card strong,
.scope-toggle-card span span {
  display: block;
}
.scope-toggle-card strong {
  color: var(--primary);
  font-size: 14px;
}
.scope-toggle-card span span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.55;
}
.employer-settings {
  margin-top: 16px;
  padding: 18px;
  border: 1px solid var(--outline-soft);
  border-radius: 6px;
  background: #fff;
}
.employer-settings-heading {
  margin: 0 0 14px;
  color: var(--primary);
  font-size: 14px;
}
.insurance-summary-note {
  margin-top: 14px;
  padding: 12px 14px;
  border-left: 3px solid var(--blue);
  background: var(--surface-low);
  color: var(--muted);
  font-size: 12px;
}
.insurance-result-table {
  display: grid;
  gap: 0;
  margin-top: 8px;
}
.insurance-result-table .result-row:last-child {
  border-bottom: 0;
}
[data-employer-detail][hidden],
.employer-settings[hidden] {
  display: none !important;
}
.insurance-employee-only .result-kpis,
.insurance-employee-only .result-actions {
  grid-template-columns: minmax(0, 1fr);
}
.insurance-employee-only .result-actions .btn:not([hidden]) {
  grid-column: 1 / -1;
}
@media (max-width: 720px) {
  .insurance-rate-grid,
  .insurance-toggle-grid {
    grid-template-columns: minmax(0, 1fr);
  }
  .employer-settings {
    padding: 15px;
  }
}