.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,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(2,1fr)}
.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)}
.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,.note-box{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 thead th{font-size:.95rem;color:#5d6b82}.band-table td:first-child,.band-table th:first-child{text-align:left}
.mini-breakdown-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:24px}.live-stats-grid{margin-top:18px}.single-stat-grid{grid-template-columns: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{font-size:1.35rem;color:#8a96a9;transform:rotate(0deg);transition:transform .2s ease}.form-section.is-open .section-caret{transform:rotate(180deg)}
.checkbox-row{display:flex;gap:12px;align-items:flex-start;margin-top:18px;color:#34435b}.checkbox-row input{margin-top:4px}
.note-box{margin-bottom:18px;color:#3d4a60}.empty-state{margin:0;color:#5d6b82}.seo-article{max-width:900px}.seo-article h2{font-family:"Cormorant Garamond",serif;color:#091938;font-size:2rem;margin:0 0 12px}.seo-article p,.seo-article li{color:#4f5f78;line-height:1.8}.calculator-disclaimer{margin-top:24px;padding:18px;border-radius:14px;background:#fff8e8;border:1px solid #f0ddae;color:#67541c}
@media (max-width: 980px){.tool-layout{grid-template-columns:1fr}.summary-grid-2,.form-grid-2{grid-template-columns:1fr}}


.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;
}