.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,
.result-panel h3{
  margin:0 0 18px;
  font-family:"Cormorant Garamond",serif;
  color:#1b2940;
}
.tool-card h2{font-size:2.1rem;}
.form-section{border:1px solid #e3e8ef;border-radius:16px;background:#f9fbfd;overflow:hidden;}
.form-section + .form-section{margin-top:16px;}
.form-section-toggle{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;
  border:0;background:transparent;padding:18px 20px;font:inherit;font-weight:700;color:#1f2e46;cursor:pointer;
}
.form-section-body{padding:0 20px 20px;}
.tool-form .form-grid,
.tool-section-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.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:52px;border:1px solid #d9e0e8;border-radius:12px;padding:0 14px;font:inherit;color:#1f2e46;background:#fff;width:100%;
}
.form-group input:focus,
.form-group select:focus{outline:none;border-color:#c6a15b;box-shadow:0 0 0 3px rgba(198,161,91,.15);}
.helper-text,.bullet-list,.breakdown-table,.table-note{color:#5d6b82;}
.helper-text{margin:0;font-size:.95rem;line-height:1.7;}
.top-space-sm{margin-top:12px;}
.top-space-lg{margin-top:22px;}
.tool-actions{margin-top:22px;}
.results-summary{display:grid;gap:16px;}
.results-summary-4{grid-template-columns:repeat(4,1fr);}
.summary-box,.result-panel{border:1px solid #e3e8ef;border-radius:14px;background:#f9fbfd;padding:18px;}
.summary-box-accent{background:rgba(198,161,91,.11);border-color:rgba(198,161,91,.35);}
.summary-box span{display:block;margin-bottom:10px;color:#637089;font-size:.92rem;}
.summary-box strong{display:block;color:#091938;font-size:1.55rem;}
.breakdown-table{width:100%;border-collapse:collapse;font-size:.97rem;}
.breakdown-table th,.breakdown-table td{border-bottom:1px solid #e3e8ef;padding:12px 10px;text-align:left;vertical-align:top;}
.breakdown-table th{font-weight:600;color:#2e3b52;width:70%;}
.bullet-list{margin:0;padding-left:18px;line-height:1.7;}
.checkbox-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.checkbox-label{display:flex;align-items:flex-start;gap:10px;color:#1f2e46;font-weight:600;}
.checkbox-label input{margin-top:4px;}
.seo-article{max-width:900px;margin:0 auto;color:#22314a;line-height:1.8;}
.seo-article h2,.faq-item h3{font-family:"Cormorant Garamond",serif;color:#091938;}
.calculator-disclaimer{margin-top:24px;padding:14px 16px;border-left:4px solid #c6a15b;background:#fff8e8;color:#53462a;}
.faq-item + .faq-item{margin-top:18px;}
@media (max-width:980px){
  .results-summary-4,.tool-form .form-grid,.tool-section-grid,.checkbox-grid{grid-template-columns:1fr 1fr;}
}
@media (max-width:720px){
  .results-summary-4,.tool-form .form-grid,.tool-section-grid,.checkbox-grid{grid-template-columns:1fr;}
  .tool-card{padding:22px;}
  .form-section-body{padding:0 16px 18px;}
}