.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{
  min-height:52px;
  border:1px solid #d9e0e8;
  border-radius:12px;
  padding:0 14px;
  font:inherit;
  color:#1f2e46;
  background:#fff;
}

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

.helper-text,
.bullet-list,
.breakdown-table{
  color:#5d6b82;
}

.helper-text{
  margin:0;
  font-size:.95rem;
  line-height:1.7;
}

.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;
}

.top-space-lg{
  margin-top:22px;
}

.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;
}

.breakdown-table thead th{
  color:#34435b;
  font-size:.88rem;
  text-transform:uppercase;
  letter-spacing:.04em;
}

.breakdown-table tbody th,
.breakdown-table tbody td{
  color:#1f2e46;
}

.breakdown-table .total-row th,
.breakdown-table .total-row td{
  font-weight:700;
  color:#091938;
}

.compact-table th{
  width:55%;
}

.bullet-list{
  margin:0;
  padding-left:18px;
  line-height:1.8;
}

@media (max-width: 980px){
  .results-summary-4,
  .tool-form .form-grid,
  .tool-section-grid{
    grid-template-columns:1fr 1fr;
  }
}

@media (max-width: 720px){
  .tool-card{
    padding:20px;
  }

  .results-summary-4,
  .tool-form .form-grid,
  .tool-section-grid{
    grid-template-columns:1fr;
  }

  .tool-title{
    font-size:clamp(2.4rem,10vw,3.3rem);
  }

  .breakdown-table{
    display:block;
    overflow-x:auto;
  }
}

.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;
}