.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:780px;
  color:#5d6b82;
  font-size:1.08rem;
  line-height:1.7;
}
.tool-layout{
  display:grid;
  grid-template-columns:minmax(320px,520px) 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{
  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 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);
}
.field-hint{color:#66748c;line-height:1.4}
.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{
  border:1px solid #e3e8ef;
  border-radius:14px;
  padding:18px;
  background:#f9fbfd;
}
.summary-box-featured{background:#091938;border-color:#091938}
.summary-box-full{grid-column:1 / -1}
.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;vertical-align:top}
.breakdown-table td{text-align:right;font-weight:600;color:#091938;white-space:nowrap}
.breakdown-table thead th{font-size:.95rem;color:#5d6b82;position:sticky;top:0;background:#fff}
.mini-breakdown-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:24px}
.live-stats-grid{margin-top:18px}
.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}
.form-section.is-open .section-caret{transform:rotate(180deg)}
.results-card-header{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:14px}
.results-helper{margin:6px 0 0;color:#66748c;line-height:1.6}
.schedule-table-wrap{overflow:auto}
.assumption-list{margin:0;padding-left:20px;color:#445268;line-height:1.7}
.assumption-list li + li{margin-top:10px}
.rounding-panel{margin-top:18px;padding:16px;border:1px solid #e3e8ef;border-radius:14px;background:#f9fbfd}
.checkbox-row{display:flex;align-items:center;gap:10px;font-weight:600;color:#1f2e46}
.checkbox-row input{width:18px;height:18px}
.rounding-input-group{margin-top:14px}
.rounding-input-group.is-disabled{opacity:.55}
.is-hidden{display:none}
@media (max-width: 1080px){.tool-layout{grid-template-columns:1fr}.summary-grid-2{grid-template-columns:1fr}.summary-box-full{grid-column:auto}}
@media (max-width: 640px){.form-grid-2,.mini-breakdown-grid{grid-template-columns:1fr}.tool-card{padding:22px}.breakdown-table td{white-space:normal}}


.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;
}