.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;
}
.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,.tool-card h3{margin:0 0 22px;font-family:"Cormorant Garamond",serif;color:#1b2940}
.tool-card h2{font-size:2rem}.tool-card h3{font-size:1.5rem}
.tool-form .form-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: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-group-full{grid-column:1 / -1}
.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;color:#7f8898}.form-section.is-open .section-caret{transform:rotate(180deg)}
.inline-toggle-group{display:flex;flex-wrap:wrap;gap:12px;margin:20px 0 18px}
.toggle-pill{position:relative}.toggle-pill input{position:absolute;opacity:0;pointer-events:none}
.toggle-pill span{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border:1px solid #d9e0e8;border-radius:999px;background:#fff;color:#34435b;cursor:pointer;font-weight:600}
.toggle-pill input:checked + span{border-color:#c6a15b;background:rgba(198,161,91,.10);color:#091938}
.checkbox-grid{display:grid;gap:14px;margin-top:10px}.checkbox-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.check-option{display:flex;align-items:center;gap:10px;min-height:48px;padding:0 14px;border:1px solid #dce2ea;border-radius:12px;background:#fff;color:#34435b}.check-option input{margin:0}
.tool-actions{text-align:center}
.results-summary{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-bottom:24px}
.summary-box,.mini-card{border:1px solid #e3e8ef;border-radius:14px;padding:18px;background:#f9fbfd}
.summary-toggle{appearance:none;width:100%;text-align:left;cursor:pointer;transition:border-color .2s ease, background .2s ease, box-shadow .2s ease}
.summary-toggle:hover{border-color:#c6a15b;background:#fdfaf4}.summary-toggle.is-active{border-color:#c6a15b;background:rgba(198,161,91,.10);box-shadow:0 0 0 3px rgba(198,161,91,.10)}
.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}
.compare-headline-grid{display:grid;gap:16px;margin-bottom:22px}.headline-grid-4{grid-template-columns:repeat(4,1fr)}
.mini-card-accent{border-color:#c6a15b;background:#fff8eb}
.comparison-banner,.calculator-disclaimer{margin:0 0 20px;padding:14px 16px;border-left:4px solid var(--gold);background:#fff8eb;color:#5d6a80;border-radius:8px;line-height:1.6}
.breakdown-period-label{margin:0 0 18px;color:#5d6b82;font-size:.98rem}.breakdown-period-label strong{color:#091938;text-transform:capitalize}
.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 thead th{color:#5d6b82;font-size:.92rem;font-weight:700;border-bottom:1px solid #dfe6ee}.breakdown-table .total-row th,.breakdown-table .total-row td{color:#091938;font-size:1.05rem}
.is-negative{color:#7a2430}.form-errors{margin:0 0 6px;padding:14px 16px;border:1px solid #efc2c2;background:#fff7f7;border-radius:12px;color:#8a2f2f}.form-errors ul{margin:0;padding-left:18px}
.section-light{margin:0;padding:40px 0}.section-heading{text-align:center;margin-bottom:0}.section-light-alt{padding:0 0 100px}
.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{margin-bottom:1rem}
.is-hidden{display:none!important}.result-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}.inner-card{padding:22px}.compact-table th,.compact-table td{padding:10px 0}.top-space{margin-top:18px}
@media (max-width: 980px){.tool-form .form-grid,.headline-grid-4,.checkbox-grid-3,.result-grid-2{grid-template-columns:1fr}.results-summary{grid-template-columns:1fr}}

.bonus-insight{
  margin-top:18px;
  padding:14px 16px;
  border-left:4px solid var(--gold);
  background:#fff8eb;
  color:#5d6a80;
  line-height:1.6;
  border-radius:8px;
}

.bonus-insight strong{
  display:block;
  color:#091938;
  margin-bottom:6px;
}