.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;
  color:#5d6b82;
  font-size:1.08rem;
  line-height:1.7;
  text-align:center;
}

.section-light{margin:0;padding:40px 0;}
.section-light-alt{padding:0 0 100px;}
.section-heading{text-align:center;margin-bottom:0;}

.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,
.table-card h3,
.chart-card h3,
.event-card h3{
  margin:0 0 8px;
  font-family:"Cormorant Garamond",serif;
  font-size:2rem;
  color:#1b2940;
}

.tool-form .form-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:12px;
}

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

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

.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,
.year-group-toggle{
  width:100%;
  border:none;
  background:#fff;
  padding:12px 22px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  cursor:pointer;
  font:inherit;
  font-weight:700;
  font-size:1.08rem;
  color:#1b2940;
  text-align:left;
}

.form-section-body,
.year-group-body{display:none;padding:14px 22px 22px;border-top:1px solid #e6ebf2;}
.form-section.is-open .form-section-body,
.year-group.is-open .year-group-body{display:block;}
.section-caret{transition:transform .2s ease;color:#7f8898;}
.form-section.is-open .section-caret,
.year-group.is-open .section-caret{transform:rotate(180deg);}

.helper-text{margin:0 0 16px;color:#5d6b82;line-height:1.6;}
.events-toolbar{display:flex;justify-content:flex-start;margin-bottom:16px;}
.events-list{display:flex;flex-direction:column;gap:14px;}
.event-card{
  border:1px solid #e2e8f0;
  border-radius:16px;
  background:#fff;
  padding:18px;
}
.event-card-header{
  display:flex;
  justify-content:space-between;
  gap:12px;
  align-items:center;
  margin-bottom:14px;
}
.event-card h3{font-size:1.45rem;margin:0;}
.event-remove-button{
  border:1px solid #e3c9c9;
  background:#fff7f7;
  color:#8a2f2f;
  border-radius:12px;
  padding:10px 14px;
  cursor:pointer;
  font:inherit;
  font-weight:600;
}

.button{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:0 18px;
  border-radius:12px;
  border:1px solid transparent;
  cursor:pointer;
  font:inherit;
  font-weight:700;
}
.button-primary{background:#091938;color:#fff;}
.button-secondary{background:#fff;border-color:#d9e0e8;color:#1b2940;}
.button[disabled]{opacity:.65;cursor:not-allowed;}
.tool-actions{margin-top:22px;}

.checkbox-group{justify-content:flex-end;}
.toggle-label{display:flex;align-items:center;gap:10px;cursor:pointer;}
.toggle-label input{min-height:auto;}
.is-hidden{display:none;}
.empty-state{
  border:1px dashed #cad4e0;
  border-radius:14px;
  padding:18px;
  color:#637089;
  background:#f9fbfd;
}

.results-summary{
  display:grid;
  gap:12px;
  grid-template-columns:repeat(3, 1fr);
  margin-bottom:16px;
}
.results-summary-extended{grid-template-columns:repeat(3, minmax(0, 1fr));}
.summary-box{
  border:1px solid #e3e8ef;
  border-radius:14px;
  padding:12px 18px;
  background:#f9fbfd;
}
.summary-box span{display:block;color:#637089;font-size:.92rem;margin-bottom:4px;}
.summary-box strong{display:block;color:#091938;font-size:1.45rem;}

.summary-callouts{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:16px;}
.callout-box{
  border:1px solid #e6ebf2;
  background:#fff;
  border-radius:14px;
  padding:12px 16px;
  min-width:180px;
}
.callout-box strong{display:block;color:#091938;font-size:1.3rem;}
.callout-box span{color:#637089;}

.chart-card,
.table-card{
  margin-top:16px;
  border:1px solid #e3e8ef;
  border-radius:14px;
  padding:16px;
  background:#fff;
}

.year-groups{display:flex;flex-direction:column;gap:14px;}
.year-group{border:1px solid #e5eaf1;border-radius:14px;overflow:hidden;background:#fbfcfe;}
.year-group-toggle small{display:block;margin-top:6px;color:#637089;font-weight:500;}

.year-summary-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:10px;
  margin-bottom:14px;
}
.mini-summary-box{
  border:1px solid #e3e8ef;
  border-radius:12px;
  padding:10px 12px;
  background:#fff;
}
.mini-summary-box span{display:block;color:#637089;font-size:.88rem;margin-bottom:4px;}
.mini-summary-box strong{display:block;color:#091938;font-size:1.05rem;}

.event-chip-row{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 16px;}
.event-chip{
  display:inline-flex;
  align-items:center;
  padding:8px 12px;
  border-radius:999px;
  background:#eef4fb;
  color:#28415f;
  font-size:.92rem;
}

.breakdown-table-wrap{overflow-x:auto;}
.breakdown-table{width:100%;border-collapse:collapse;}
.breakdown-table th,
.breakdown-table td{
  text-align:left;
  padding:14px 0;
  border-bottom:1px solid #e8edf3;
  white-space:nowrap;
}
.breakdown-table td{text-align:right;font-weight:600;}
.breakdown-table th:first-child,
.breakdown-table td:first-child{text-align:left;}
.events-row td{white-space:normal;text-align:left;}

@media (max-width: 980px){
  .results-summary-extended,
  .year-summary-grid,
  .tool-form .form-grid,
  .compact-grid{grid-template-columns:1fr 1fr;}
}

@media (max-width: 860px){
  .results-summary-extended,
  .year-summary-grid,
  .tool-form .form-grid,
  .compact-grid{grid-template-columns:1fr;}
  .event-card-header{flex-direction:column;align-items:flex-start;}
}

.chart-card {
    height: 600px;
    position: relative;
    padding-bottom: 45px;
}
.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;
}

.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;
}