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rgba(0,0,0,0.06);position:relative;overflow:hidden}.rec-form-card::before{content:'';position:absolute;top:0;left:0;right:0;height:5px;background:linear-gradient(90deg,#038BBB,#E19F41,#0f9b8e);border-radius:22px 22px 0 0}.rec-step-header{display:flex;align-items:flex-start;gap:16px;margin-bottom:32px}.rec-step-icon{width:46px;height:46px;background:linear-gradient(135deg,#038BBB,#0272a0);border-radius:12px;display:flex;align-items:center;justify-content:center;color:#ffffff;font-size:20px;flex-shrink:0}.rec-step-title{font-size:22px;font-weight:800;color:#0d1b2e;margin:0 0 4px}.rec-step-sub{font-size:14px;color:#5a6a7e;margin:0}.rec-divider{display:flex;align-items:center;gap:14px;margin:6px 0 22px;color:#8a9bb0;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:1px;white-space:nowrap}.rec-divider::before,.rec-divider::after{content:'';flex:1;height:1px;background:#e8edf4}.rec-btn-group{display:flex;gap:12px}.rec-radio-btn{flex:1;text-align:center;padding:12px 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28px;background:#E19F41;color:#ffffff;border:none;border-radius:12px;font-size:15px;font-weight:700;cursor:pointer;transition:background 0.2s,transform 0.15s,box-shadow 0.2s;text-decoration:none}.rec-btn-primary:hover{background:#c98930;transform:translateY(-1px);box-shadow:0 8px 28px rgba(225,159,65,0.45);color:#ffffff}.rec-btn-primary:disabled{opacity:0.65;cursor:not-allowed;transform:none;box-shadow:none}.rec-btn-primary.w-100{width:100%}.rec-back-btn{width:42px;height:42px;background:#f4f7fb;border:1.5px solid #e2eaf3;border-radius:12px;display:flex;align-items:center;justify-content:center;color:#5a6a7e;font-size:15px;cursor:pointer;transition:all 0.2s;flex-shrink:0}.rec-back-btn:hover{background:#038BBB;border-color:#038BBB;color:#ffffff}.rec-check{display:flex;align-items:flex-start;gap:10px;font-size:14px;color:#5a6a7e;line-height:1.5}.rec-check-input{width:18px;height:18px;flex-shrink:0;margin-top:2px;accent-color:#038BBB;cursor:pointer}.rec-success{text-align:center;padding:24px 8px}.rec-success-icon{font-size:64px;color:#18a957;line-height:1;margin-bottom:20px}.rec-success-title{font-size:24px;font-weight:800;color:#0d1b2e;margin-bottom:12px}.rec-success-text{font-size:15px;color:#5a6a7e;line-height:1.65;max-width:440px;margin:0 auto 28px}.rec-disclaimer{font-size:12px;color:#8a9bb0;text-align:center;margin-top:16px;margin-bottom:0}@media (max-width:768px){.rec-hero{padding:56px 0 48px}.rec-hero-title{font-size:30px}.rec-hero-subtitle{font-size:15px;margin-bottom:36px}.rec-hero-sim{padding:22px 20px 24px}.rec-sim-value-num{font-size:26px}.rec-form-section{padding:48px 0 64px}.rec-form-card{padding:28px 20px}}@media (max-width:576px){.rec-hero-title{font-size:24px}.rec-sim-res{padding:12px}.rec-sim-res-num{font-size:19px}.rec-sim-res--gain .rec-sim-res-num{font-size:22px}.rec-hero-badges{flex-direction:column}.rec-hero-pill{width:100%}.rec-btn-group{flex-direction:column}}