.bif-wrap *,.bif-wrap *::before,.bif-wrap *::after{box-sizing:border-box;margin:0;padding:0}.bif-wrap{position:relative;max-width:720px;margin:40px auto;background:#fff;border-radius:16px;box-shadow:0 4px 32px rgb(0 0 0 / .10);overflow:hidden;font-family:'Segoe UI',system-ui,-apple-system,sans-serif;color:#F9B92E}.bif-header{background:#f9b92e;padding:36px 40px 28px;text-align:center;color:#fff}.bif-logo-text{font-size:11px;letter-spacing:3px;text-transform:uppercase;opacity:.8;font-weight:600}.bif-title{font-size:26px;font-weight:700;margin-top:10px}.bif-subtitle{font-size:14px;opacity:.75;margin-top:6px}.bif-step{display:none;padding:36px 40px 40px;animation:bif-fadein .3s ease}.bif-step.active{display:block}@keyframes bif-fadein{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}.bif-step-header{margin-bottom:28px}.bif-step-badge{display:inline-block;background:#e8f4fd;color:#0d3b66;font-size:11px;font-weight:700;letter-spacing:1px;text-transform:uppercase;padding:4px 10px;border-radius:20px;margin-bottom:8px}.bif-step-header h3{font-size:20px;font-weight:700;color:#0d3b66}.bif-field-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}@media (max-width:540px){.bif-field-row{grid-template-columns:1fr}.bif-wrap{margin:0;border-radius:0}.bif-step,.bif-header{padding-left:20px;padding-right:20px}}.bif-field-group{display:flex;flex-direction:column;margin-bottom:22px}.bif-label{font-size:13px;font-weight:600;color:#333;margin-bottom:7px}.bif-req{color:#e63946;margin-left:2px}.bif-hint{font-size:12px;color:#888;margin-top:5px}.bif-input,.bif-select{width:100%;padding:11px 14px;border:1.5px solid #d0d8e4;border-radius:8px;font-size:15px;color:#1a1a2e;background:#fafafa;transition:border-color .2s,box-shadow .2s;outline:none;appearance:none;-webkit-appearance:none}.bif-input:focus,.bif-select:focus{border-color:#0d3b66;box-shadow:0 0 0 3px rgb(13 59 102 / .12);background:#fff}.bif-input.bif-has-error,.bif-select.bif-has-error{border-color:#e63946}.bif-select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%230d3b66' stroke-width='1.8' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}.bif-input-prefix-wrap{position:relative;display:flex;align-items:center}.bif-prefix{position:absolute;left:14px;font-size:15px;font-weight:600;color:#555;pointer-events:none;z-index:1}.bif-input-has-prefix{padding-left:30px}.bif-error{font-size:12px;color:#e63946;margin-top:5px;min-height:16px}.bif-calc-panel{background:linear-gradient(135deg,#edf7ee 0%,#e8f4fd 100%);border:1.5px solid #b8dfb9;border-radius:12px;padding:20px 24px;margin-bottom:24px;animation:bif-fadein .3s ease}.bif-calc-title{font-size:13px;font-weight:700;color:#1a6b3a;margin-bottom:14px;text-transform:uppercase;letter-spacing:.5px}.bif-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media (max-width:480px){.bif-calc-grid{grid-template-columns:1fr}}.bif-calc-item{display:flex;flex-direction:column;gap:2px}.bif-calc-item.highlight .bif-calc-value{color:#1a6b3a;font-size:18px}.bif-calc-label{font-size:11px;text-transform:uppercase;letter-spacing:.5px;color:#666;font-weight:600}.bif-calc-value{font-size:15px;font-weight:700;color:#0d3b66}.bif-actions{margin-top:8px}.bif-actions-row{display:flex;gap:12px;align-items:center}.bif-btn{display:inline-block;padding:12px 28px;border-radius:8px;font-size:15px;font-weight:600;cursor:pointer;border:none;transition:background .2s,transform .1s,box-shadow .2s}.bif-btn:active{transform:scale(.98)}.bif-btn-next,.bif-btn-submit{background:#f9b92e;color:#fff;width:100%;box-shadow:0 3px 12px rgb(13 59 102 / .3)}.bif-btn-next:hover,.bif-btn-submit:hover{box-shadow:0 5px 18px rgb(13 59 102 / .4)}.bif-btn-back{background:#f0f2f5;color:#0d3b66;font-weight:600;flex-shrink:0}.bif-btn-back:hover{background:#e2e7ef}.bif-btn-reset{background:#0d3b66;color:#fff;margin-top:20px}.bif-btn-submit{flex:1}.bif-success{padding:48px 40px;text-align:center;animation:bif-fadein .4s ease}.bif-success-icon{font-size:52px;margin-bottom:12px}.bif-success h3{font-size:22px;color:#1a6b3a;margin-bottom:8px}.bif-success p{color:#555;margin-bottom:20px}.bif-success-note{font-size:13px;color:#888;margin-top:16px!important}.bif-summary-table{background:#f7faf8;border:1px solid #c8e6c9;border-radius:10px;padding:20px 24px;text-align:left;display:inline-block;width:100%;max-width:420px}.bif-summary-row{display:flex;justify-content:space-between;padding:6px 0;font-size:14px;border-bottom:1px solid #e0ede1}.bif-summary-row:last-child{border-bottom:none}.bif-summary-row .key{color:#555}.bif-summary-row .val{font-weight:700;color:#0d3b66}.bif-summary-row.total .val{color:#1a6b3a;font-size:16px}.bif-global-error{margin:0 40px 24px;background:#fff0f1;border:1px solid #ffc0c4;border-radius:8px;padding:14px 18px;color:#c0392b;font-size:14px}.bif-loading{position:absolute;inset:0;background:rgb(255 255 255 / .85);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;z-index:99;font-size:14px;color:#555}.bif-spinner{width:40px;height:40px;border:4px solid #ddd;border-top-color:#0d3b66;border-radius:50%;animation:bif-spin .8s linear infinite}@keyframes bif-spin{to{transform:rotate(360deg)}}.bif-float-wrap{position:relative;display:flex;flex-direction:column}.bif-float-label{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:15px;font-weight:400;color:#888;pointer-events:none;transition:top .18s ease,transform .18s ease,font-size .18s ease,color .18s ease,font-weight .18s ease;line-height:1;background:#fff0;padding:0 2px;z-index:1}.bif-float-wrap .bif-input:focus~.bif-float-label,.bif-float-wrap .bif-input:not(:placeholder-shown)~.bif-float-label{top:0;transform:translateY(-50%);font-size:11px;font-weight:700;color:#0d3b66;background:#fff;padding:0 4px}.bif-float-wrap .bif-input.bif-has-error~.bif-float-label{color:#e63946}.bif-float-wrap--prefix{position:relative;display:flex;flex-direction:row;align-items:center}.bif-float-wrap--prefix{display:block;position:relative}.bif-float-wrap--prefix .bif-prefix{position:absolute;left:14px;top:50%;transform:translateY(-50%);z-index:2;pointer-events:none;font-size:15px;font-weight:600;color:#555}.bif-float-label--prefix{left:30px}.bif-float-wrap--prefix .bif-input:focus~.bif-float-label--prefix,.bif-float-wrap--prefix .bif-input:not(:placeholder-shown)~.bif-float-label--prefix{left:10px}.bif-float-wrap--select{position:relative}.bif-float-label--select{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:15px;font-weight:400;color:#888;pointer-events:none;transition:top .18s ease,transform .18s ease,font-size .18s ease,color .18s ease,font-weight .18s ease;background:#fff0;padding:0 2px;z-index:1}.bif-float-wrap--select .bif-select.bif-select--has-value~.bif-float-label--select,.bif-float-wrap--select .bif-select:focus~.bif-float-label--select{top:0;transform:translateY(-50%);font-size:11px;font-weight:700;color:#0d3b66;background:#fff;padding:0 4px}.bif-float-wrap--select .bif-select.bif-has-error~.bif-float-label--select{color:#e63946}.bif-float-wrap~.bif-error,.bif-float-wrap--prefix~.bif-hint,.bif-float-wrap--prefix~.bif-error,.bif-float-wrap--select~.bif-error{margin-top:5px}.bif-float-wrap .bif-input:not(:placeholder-shown),.bif-float-wrap .bif-input:focus{background:#fff}