.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, 560px) minmax(320px, 1fr);
  gap:28px;
  align-items:start;
}

.tool-stack{
  display:flex;
  flex-direction:column;
  gap:28px;
}

.tool-card{
  background:#fff;
  border:1px solid #dce2ea;
  border-radius:18px;
  padding:28px;
  box-shadow:0 3px 12px rgba(10,25,56,.04);
}

.tool-card h2,
.assumptions-card h3{
  margin:0 0 22px;
  font-family:"Cormorant Garamond",serif;
  font-size:2rem;
  color:#1b2940;
}

.tool-form .form-grid{
  display:grid;
  gap:18px;
}

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

.form-group{
  display:flex;
  flex-direction:column;
  gap:8px;
}

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

.form-group label{
  font-weight:600;
  color:#34435b;
}

.form-group input,
.form-group select{
  min-height:50px;
  border:1px solid #d9e0e8;
  border-radius:12px;
  padding:0 14px;
  font:inherit;
  color:#1f2e46;
  background:#fff;
}

.form-group input:focus,
.form-group select:focus{
  outline:none;
  border-color:#c6a15b;
  box-shadow:0 0 0 3px rgba(198,161,91,.15);
}

.tool-actions{
  margin-top:22px;
}

.results-summary{
  display:grid;
  gap:16px;
  margin-bottom:24px;
}

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

.summary-box,
.mini-card,
.assumptions-card{
  border:1px solid #e3e8ef;
  border-radius:14px;
  padding:18px;
  background:#f9fbfd;
}

.summary-box-featured{
  background:#091938;
  border-color:#091938;
}

.summary-box span,
.mini-card span{
  display:block;
  color:#637089;
  font-size:.92rem;
  margin-bottom:10px;
}

.summary-box strong,
.mini-card strong{
  display:block;
  color:#091938;
  font-size:1.45rem;
}

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

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

.breakdown-table th,
.breakdown-table td{
  text-align:left;
  padding:14px 0;
  border-bottom:1px solid #e8edf3;
}

.breakdown-table td{
  text-align:right;
  font-weight:600;
  color:#091938;
}

.breakdown-table .total-row th,
.breakdown-table .total-row td{
  color:#091938;
  font-size:1.05rem;
}

.mini-breakdown-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:16px;
  margin-top:24px;
}

.milestone-grid{
  grid-template-columns:repeat(3, 1fr);
}

.live-stats-grid{
  margin-top:18px;
}

.single-stat-grid,
.compact-live-grid{
  grid-template-columns:repeat(2, 1fr);
}

.form-errors{
  margin:0 0 18px;
  padding:14px 16px;
  border:1px solid #efc2c2;
  background:#fff7f7;
  border-radius:12px;
  color:#8a2f2f;
}

.form-errors ul{
  margin:0;
  padding-left:18px;
}

.form-section{
  border:1px solid #aeb2b6;
  border-radius:16px;
  background:#fbfcfe;
  margin-bottom:18px;
  overflow:hidden;
}

.form-section-toggle{
  width:100%;
  border:none;
  background:#fff;
  padding:20px 22px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  cursor:pointer;
  font:inherit;
  font-weight:700;
  font-size:1.08rem;
  color:#1b2940;
}

.form-section-body{
  display:none;
  padding:10px 22px 22px;
  border-top:1px solid #e6ebf2;
}

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

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

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

.assumptions-card{
  margin-top:24px;
}

.assumptions-card h3{
  margin-bottom:14px;
  font-size:1.6rem;
}

.assumptions-list{
  margin:0;
  padding-left:18px;
  color:#42516a;
  line-height:1.7;
}

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

@media (max-width: 720px){
  .summary-grid-2,
  .form-grid-2,
  .mini-breakdown-grid,
  .single-stat-grid,
  .compact-live-grid,
  .milestone-grid{
    grid-template-columns:1fr;
  }

  .tool-card{
    padding:22px;
  }
}


.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;
}