.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{
  margin:0 0 6px;
  font-family:"Cormorant Garamond",serif;
  font-size:2rem;
  color:#1b2940;
}

.tool-form{
  width:100%;
}

.form-section{
  border:1px solid #aeb2b6;
  border-radius:16px;
  background:#fbfcfe;
  margin-bottom:18px;
  overflow:hidden;
}

.form-section-toggle{
  width:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  border:0;
  background:#fff;
  padding:18px 22px;
  cursor:pointer;
  font:inherit;
  font-weight:700;
  font-size:1.05rem;
  color:#1b2940;
  text-align:left;
}

.form-section-body{
  display:none;
  padding:20px 22px 22px;
  border-top:1px solid #e6ebf2;
}

.form-section.is-open .form-section-body{
  display:block;
}

.section-caret{
  flex-shrink:0;
  color:#7f8898;
  transition:transform .2s ease;
}

.form-section.is-open .section-caret{
  transform:rotate(180deg);
}

.region-tabs{
  display:grid;
  grid-template-columns:repeat(4, minmax(0, 1fr));
  gap:12px;
  margin-bottom:18px;
}

.region-tab{
  border:1px solid #d9e0e8;
  background:#fff;
  color:#1f2e46;
  min-height:52px;
  border-radius:14px;
  cursor:pointer;
  font:inherit;
  font-weight:700;
  transition:all .2s ease;
}

.region-tab.is-active{
  background:#091938;
  border-color:#091938;
  color:#fff;
}

.tool-form .form-grid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 1fr));
  gap:18px;
}

.form-group{
  display:flex;
  flex-direction:column;
  gap:8px;
  min-width:0;
}

.form-group label{
  display:block;
  font-weight:600;
  color:#34435b;
  line-height:1.35;
}

.form-group input,
.form-group select{
  display:block;
  width:100%;
  min-width:0;
  min-height:50px;
  border:1px solid #d9e0e8;
  border-radius:12px;
  padding:0 14px;
  font:inherit;
  color:#1f2e46;
  background:#fff;
  box-sizing:border-box;
  appearance:none;
  -webkit-appearance:none;
}

.form-group select{
  background-image:
    linear-gradient(45deg, transparent 50%, #6b7485 50%),
    linear-gradient(135deg, #6b7485 50%, transparent 50%);
  background-position:
    calc(100% - 18px) calc(50% - 3px),
    calc(100% - 12px) calc(50% - 3px);
  background-size:6px 6px, 6px 6px;
  background-repeat:no-repeat;
  padding-right:38px;
}

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

.slider-group{
  margin-top:18px;
  width: 50%;
}

.slider-group input[type="range"]{
  width:100%;
  min-height:auto;
  padding:0;
  border:none;
  box-shadow:none;
}

.slider-value-row{
  display:flex;
  align-items:center;
  gap:8px;
  margin-top:8px;
}

.slider-value-label{
  color:#637089;
}

.helper-text{
  margin:8px 0 0;
  color:#637089;
  font-size:.96rem;
  line-height:1.6;
}

.tool-actions{
  margin-top:22px;
}

.tool-actions .btn{
  min-height:54px;
  padding:0 24px;
}

.results-summary{
  display:grid;
  gap:14px;
  grid-template-columns:repeat(3, minmax(0, 1fr));
  margin-top:12px;
}

.summary-box{
  border:1px solid #e3e8ef;
  border-radius:14px;
  padding:14px 18px;
  background:#f9fbfd;
}

.summary-box-featured{
  background:#091938;
  border-color:#091938;
}

.summary-box span{
  display:block;
  color:#637089;
  font-size:.92rem;
  margin-bottom:6px;
}

.summary-box strong{
  display:block;
  color:#091938;
  font-size:1.45rem;
  line-height:1.25;
  word-break:break-word;
}

.summary-box-featured span,
.summary-box-featured strong{
  color:#fff;
}

.results-alert{
  margin-top:18px;
  border:1px solid rgba(198, 161, 91, 0.38);
  background:#fff8ec;
  color:#72541c;
  border-radius:14px;
  padding:14px 16px;
  line-height:1.6;
}

.table-card{
  margin-top:18px;
  border:1px solid #e3e8ef;
  border-radius:14px;
  padding:14px;
  background:#fff;
}

.breakdown-table-wrap{
  overflow-x:auto;
}

.breakdown-table{
  width:100%;
  border-collapse:collapse;
}

.breakdown-table th,
.breakdown-table td{
  padding:14px 0;
  border-bottom:1px solid #e8edf3;
  white-space:nowrap;
}

.breakdown-table th{
  text-align:left;
  color:#34435b;
  font-weight:600;
}

.breakdown-table td{
  text-align:right;
  font-weight:700;
  color:#1f2e46;
}

.breakdown-subrow {
    color: grey !important;
}

.breakdown-subrow td{
    color: grey !important;
}

.breakdown-subrow th {
  padding-left: 1.5rem;
  font-weight: 500;
  color: #666;
  font-size: 0.95rem;
}

.breakdown-subrow th::before {
  content: "↳ ";
}

.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;
}

.faq-section{
  padding:3rem 0;
}

.faq-item{
  margin-bottom:1.5rem;
}

.faq-item h3{
  margin-bottom:.5rem;
  font-size:1.1rem;
}

@media (max-width: 860px){
  .tool-form .form-grid,
  .results-summary,
  .region-tabs{
    grid-template-columns:1fr;
  }
}

.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);
}

.breakdown-period-label{
  margin:18px 0;
  color:#5d6b82;
  font-size:.98rem;
}

.breakdown-period-label strong{
  color:#091938;
  text-transform:capitalize;
}

.is-hidden-row{
  display:none;
}

.total-row th,
.total-row td{
  color:#091938;
  font-size:1.05rem;
}

.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;
}