.tool-title{
  margin:0;
  font-family:"Cormorant Garamond",serif;
  font-size:clamp(2.8rem, 4vw, 4.4rem);
  line-height:1;
  color:#091938;
}

.tool-subtitle{
  margin:14px 0 0;
  max-width:760px;
  color:#5d6b82;
  font-size:1.08rem;
  line-height:1.7;
}

.tool-layout{
  display:grid;
  grid-template-columns:minmax(320px,540px) minmax(320px,1fr);
  gap:28px;
  align-items:start;
}

.tool-stack{
  display:grid;
  gap:24px;
}

.tool-card{
  background:#fff;
  border:1px solid #e7edf5;
  border-radius:24px;
  padding:24px;
  box-shadow:0 12px 30px rgba(9,30,66,.06);
}

.tool-card h2{
  margin:0 0 18px;
  color:#0b1f4d;
  font-size:1.35rem;
}

.tool-form,
.form-section-body,
.form-grid,
.assumption-list{
  display:grid;
}

.form-section{
  border:1px solid #e6ebf2;
  border-radius:20px;
  margin-bottom:16px;
  overflow:hidden;
  background:#fbfcfe;
}

.form-section-toggle{
  width:100%;
  border:none;
  background:transparent;
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:18px 20px;
  font-size:1.05rem;
  font-weight:700;
  color:#24395d;
  cursor:pointer;
}

.form-section-body{
  display:none;
  padding:0 20px 20px;
  gap:18px;
  border-top:1px solid #e6ebf2;
}

.form-section.is-open .form-section-body{
  display:grid;
}

.section-caret{
  transition:transform .2s ease;
  color:#7f8898;
}

.form-section.is-open .section-caret{
  transform:rotate(180deg);
}

.form-grid{
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px 18px;
}

.form-group-full{
  grid-column:1 / -1;
}

.form-group label{
  display:block;
  margin-bottom:8px;
  font-weight:600;
  color:#324769;
}

.muted-label{
  font-weight:500;
  color:#7b879b;
  font-size:.92rem;
}

.form-group input,
.form-group select{
  width:100%;
  min-height:52px;
  border:1px solid #d5ddea;
  border-radius:16px;
  padding:0 15px;
  font-size:1rem;
  color:#13294b;
  background:#fff;
}

.form-group input:focus,
.form-group select:focus{
  outline:none;
  border-color:#0b1f4d;
  box-shadow:0 0 0 4px rgba(11,31,77,.08);
}

.mini-breakdown-grid{
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
}

.mini-card,
.summary-box{
  border:1px solid #e6ebf2;
  border-radius:20px;
  padding:18px;
  background:#f9fbff;
}

.mini-card span,
.summary-box span{
  display:block;
  color:#64748b;
  margin-bottom:8px;
}

.mini-card strong,
.summary-box strong{
  color:#0b1f4d;
  font-size:1.2rem;
}

.summary-box-featured{
  background:#0b1f4d;
  border-color:#0b1f4d;
}

.summary-box-featured span,
.summary-box-featured strong{
  color:#fff;
}

.results-summary{
  display:grid;
  gap:14px;
  margin-bottom:18px;
}

.summary-grid-2{
  grid-template-columns:repeat(2,minmax(0,1fr));
}

.compact-gap{
  margin-bottom:14px;
}

.breakdown-table{
  width:100%;
  border-collapse:collapse;
}

.breakdown-table th,
.breakdown-table td{
  padding:14px 12px;
  border-bottom:1px solid #e8edf5;
  text-align:left;
}

.breakdown-table thead th{
  color:#5b6b84;
  font-size:.95rem;
}

.breakdown-table tbody th{
  color:#24395d;
  font-weight:700;
}

.breakdown-table tbody td{
  color:#13294b;
  font-weight:600;
}

.insight-banner{
  margin:16px 0;
  padding:14px 16px;
  border-radius:16px;
  background:#eef4ff;
  color:#17356d;
  font-weight:600;
}

.insight-banner.is-positive{
  background:#ecfdf3;
  color:#166534;
}

.insight-banner.is-warning{
  background:#fff7ed;
  color:#9a3412;
}

.assumption-list{
  gap:10px;
  margin:0;
  padding-left:20px;
  color:#42526b;
}

.form-errors{
  margin-bottom:16px;
  border:1px solid #fecaca;
  background:#fff1f2;
  color:#9f1239;
  border-radius:16px;
  padding:14px 16px;
}

.form-errors ul{
  margin:0;
  padding-left:20px;
}

.tool-actions{
  margin-top:8px;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:52px;
  padding:0 20px;
  border-radius:999px;
  border:none;
  font-weight:700;
  cursor:pointer;
}

.btn-gold{
  background:#d4a63d;
  color:#0b1f4d;
}

@media (max-width: 1080px){
  .tool-layout{
    grid-template-columns:1fr;
  }
}

@media (max-width: 640px){
  .form-grid,
  .mini-breakdown-grid,
  .summary-grid-2{
    grid-template-columns:1fr;
  }

  .tool-card{
    padding:18px;
    border-radius:20px;
  }
}

.calculator-disclaimer{
  margin-top:18px;
  padding:14px 16px;
  border-left:4px solid var(--gold);
  background:#fff8eb;
  color:#5d6a80;
  line-height:1.6;
  border-radius:8px;
}

.assumption-callout,
.results-note{
  margin-top:20px;
}

.seo-content {
  padding: 3rem 0;
}

.seo-article {
  max-width: 850px;
  margin: 0 auto;
  line-height: 1.75;
  font-size: 1rem;
}

.seo-article h2 {
  margin-top: 2.5rem;
  margin-bottom: 1rem;
}

.seo-article p,
.seo-article ul {
  margin-bottom: 1rem;
}

.seo-article ul {
  padding-left: 1.25rem;
}

.section-light {
  margin: 0;
  padding: 40px 0;
}

.section-heading {
  text-align: center;
  margin-bottom: 0;
}

.tool-subtitle {
  text-align: center;
  max-width: 100%;
}

.section-light-alt {
  padding: 0 0 100px;
}

select {
  height: 50px;
}