.tools-hero{padding:76px 0 70px;color:#fff;background:linear-gradient(125deg,var(--navy-deep),var(--navy) 68%,#16487e)}.tools-hero .eyebrow{color:#7ce9ad}.tools-hero h1{max-width:900px;margin:.45rem 0 1rem;font-family:Georgia,serif;font-weight:500;font-size:clamp(2.8rem,6vw,5.2rem);line-height:1.04;letter-spacing:-.035em}.tools-hero p{max-width:730px;margin:0;color:#d5e0ef;font-size:1.1rem}.tool-grid{padding-top:72px;padding-bottom:92px;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.tool-card{display:flex;flex-direction:column;min-height:340px;padding:30px;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:0 12px 34px rgba(14,42,94,.08);transition:.2s}.tool-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.tool-number{width:42px;height:42px;display:grid;place-items:center;border-radius:50%;color:#fff;background:var(--green);font-weight:900}.tool-card h2{margin:22px 0 10px;font-family:Georgia,serif;color:var(--navy);font-size:1.7rem;line-height:1.2;font-weight:500}.tool-card p{margin:0;color:var(--muted);font-size:.93rem}.tool-card ul{margin:18px 0 24px;padding:0;list-style:none;color:#425a72;font-size:.84rem}.tool-card li{margin:7px 0}.tool-card li:before{content:"✓";margin-right:8px;color:var(--green);font-weight:900}.tool-card .button{margin-top:auto}.tool-intro{padding:58px 0;background:var(--soft)}.tool-intro-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px}.tool-intro h2,.tool-content h2{margin:0 0 12px;font-family:Georgia,serif;color:var(--navy);font-size:2.2rem;font-weight:500;line-height:1.2}.tool-intro p,.tool-content p{color:var(--muted)}
.calculator-header{padding:58px 0 44px}.calculator-header h1{max-width:880px;margin:.5rem 0 1rem;font-family:Georgia,serif;color:var(--navy);font-size:clamp(2.5rem,5vw,4.5rem);font-weight:500;line-height:1.05;letter-spacing:-.03em}.calculator-header p{max-width:780px;color:var(--muted);font-size:1.08rem}.calculator-shell{margin-bottom:70px;display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.85fr);border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:var(--shadow)}.calculator-form{padding:38px;background:#fff}.calculator-form h2,.calculator-results h2{margin:0 0 8px;font-family:Georgia,serif;color:var(--navy);font-size:1.8rem;font-weight:500}.calculator-form>p,.calculator-results>p{margin:0 0 25px;color:var(--muted);font-size:.88rem}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:flex;flex-direction:column;gap:7px}.field.wide{grid-column:1/-1}.field label{color:var(--navy);font-size:.8rem;font-weight:800}.input-wrap{position:relative}.input-wrap span{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:#607185;font-weight:800}.input-wrap .suffix{left:auto;right:14px}.field input{width:100%;height:50px;padding:10px 15px;border:1px solid #cdd7e3;border-radius:7px;background:#fff;color:var(--ink);font:inherit;font-weight:700}.input-wrap.prefix input{padding-left:31px}.input-wrap.has-suffix input{padding-right:43px}.field input:focus{outline:3px solid rgba(0,166,81,.16);border-color:var(--green)}.field small{color:#748394;font-size:.7rem}.calculator-form .button{margin-top:24px;border:0;cursor:pointer}.form-error{margin-top:14px;color:#a02727;font-weight:750;font-size:.83rem}.calculator-results{padding:38px;color:#fff;background:linear-gradient(145deg,var(--navy-deep),var(--navy))}.calculator-results h2{color:#fff}.calculator-results>p{color:#c6d5e8}.primary-result{margin:28px 0;padding-bottom:24px;border-bottom:1px solid rgba(255,255,255,.16)}.primary-result span{display:block;color:#9eb3cf;font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800}.primary-result strong{display:block;margin-top:5px;color:#84ecb3;font-family:Georgia,serif;font-size:clamp(2.5rem,5vw,4rem);font-weight:500;line-height:1}.result-list{display:grid;gap:0}.result-row{padding:15px 0;display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid rgba(255,255,255,.12)}.result-row span{color:#b9cae0;font-size:.82rem}.result-row b{text-align:right;color:#fff}.result-status{display:inline-flex;margin-top:15px;padding:7px 10px;border-radius:999px;font-size:.72rem;font-weight:850}.result-status.strong{background:#d8f8e5;color:#086331}.result-status.watch{background:#fff0c9;color:#7a5100}.result-status.risk{background:#ffe0e0;color:#8b2020}.calculator-note{margin-top:20px;color:#92a9c5;font-size:.72rem;line-height:1.55}.tool-content{padding-bottom:90px;display:grid;grid-template-columns:minmax(0,760px) 300px;gap:70px;align-items:start}.tool-copy{font-family:Georgia,serif;font-size:1.05rem;line-height:1.85}.tool-copy section+section{margin-top:44px}.tool-copy h2{font-family:Inter,system-ui,sans-serif;font-size:1.9rem}.tool-copy ul{padding-left:22px}.tool-copy a{color:#075cab;text-decoration:underline}.tool-aside{padding:25px;border:1px solid var(--line);border-radius:10px;background:var(--soft);position:sticky;top:112px}.tool-aside b{display:block;color:var(--navy)}.tool-aside a{display:block;padding:12px 0;border-bottom:1px solid var(--line);color:#075cab;font-size:.86rem}.tool-aside p{font-size:.8rem}.source-note{margin-top:28px;padding:20px;border-left:4px solid var(--green);background:var(--soft);font-family:Inter,system-ui,sans-serif;font-size:.8rem;color:var(--muted)}
@media(max-width:900px){.tool-grid{grid-template-columns:1fr}.tool-card{min-height:auto}.tool-intro-grid,.calculator-shell,.tool-content{grid-template-columns:1fr}.tool-aside{position:static}.calculator-shell{max-width:760px}.tool-grid .tool-card{max-width:760px}}
@media(max-width:680px){.tools-hero{padding:54px 0}.tools-hero h1{font-size:2.75rem}.tool-grid{padding-top:48px;padding-bottom:65px}.tool-intro-grid{gap:26px}.calculator-header{padding-top:38px}.calculator-header h1{font-size:2.6rem}.calculator-form,.calculator-results{padding:26px 22px}.field-grid{grid-template-columns:1fr}.field.wide{grid-column:auto}.result-row{align-items:flex-start;flex-direction:column;gap:3px}.result-row b{text-align:left}}