.tools-wrap{max-width:880px}.tool-shell{padding:24px 0 64px}.tool-eyebrow{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:rgba(245,240,232,.45);margin-bottom:14px}.tool-h1{font-weight:100;font-size:clamp(28px,4vw,42px);line-height:1.15;margin:0 0 14px;color:#f5f0e8}.tool-lead{margin:0 0 32px;max-width:620px;color:rgba(245,240,232,.62);font-size:16px;line-height:1.55}.tool-steps{list-style:none;display:flex;flex-wrap:wrap;gap:10px 18px;margin:0 0 28px;border-bottom:.5px solid rgba(245,240,232,.08);padding:0 0 18px}.tool-steps li{display:flex;align-items:center;gap:8px;font-size:12px;color:rgba(245,240,232,.35)}.tool-steps li.active{color:#f5f0e8}.tool-steps li.done{color:rgba(200,32,10,.85)}.tool-step-n{width:22px;height:22px;border:.5px solid;display:inline-flex;align-items:center;justify-content:center;font-size:11px}.tool-calc-grid,.tool-lead-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 18px}@media (max-width:640px){.tool-calc-grid,.tool-lead-grid{grid-template-columns:1fr}}.tool-field{display:flex;flex-direction:column;gap:6px}.tool-field-span{grid-column:1/-1}.tool-field label{font-size:12px;letter-spacing:.04em;color:rgba(245,240,232,.55)}.tool-field input,.tool-field select{-webkit-appearance:none;-moz-appearance:none;appearance:none;background:#101010;border:.5px solid rgba(245,240,232,.14);color:#f5f0e8;padding:14px;font-size:16px;font-family:inherit;min-height:48px;border-radius:0}.tool-field input:focus,.tool-field select:focus{outline:none;border-color:rgba(200,32,10,.65)}.tool-field-hint{font-size:12px;color:rgba(245,240,232,.38);line-height:1.4}.tool-optional{color:rgba(245,240,232,.35);font-weight:400}.tool-lead-submit,.tool-primary-cta{margin-top:22px}.tool-result-panel{margin-top:8px;border:.5px solid rgba(245,240,232,.1);padding:28px 24px;background:rgba(245,240,232,.02)}.tool-result-title{font-weight:100;font-size:24px;margin:0 0 20px}.tool-money-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}@media (max-width:640px){.tool-money-row{grid-template-columns:1fr}}.tool-money{border:.5px solid rgba(245,240,232,.1);padding:18px 16px}.tool-money.emphasis{border-color:rgba(200,32,10,.45);background:rgba(200,32,10,.06)}.tool-estimation-badge{display:inline-block;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:#c8200a;margin-bottom:10px}.tool-money-amount{font-family:IBM Plex Mono,ui-monospace,monospace;font-size:clamp(22px,3.5vw,30px);font-weight:600;color:#f5f0e8}.tool-money-suffix{margin-top:4px;font-size:13px;color:rgba(245,240,232,.5)}.tool-assumption-inline,.tool-disclaimer{margin:16px 0 0;font-size:13px;line-height:1.5;color:rgba(245,240,232,.5)}.tool-assumption-inline{color:rgba(245,240,232,.62)}.tool-methodology{margin-top:22px;border-top:.5px solid rgba(245,240,232,.08);padding-top:14px}.tool-methodology summary{cursor:pointer;font-size:14px;font-weight:600;color:#f5f0e8;list-style:none}.tool-methodology summary::-webkit-details-marker{display:none}.tool-methodology summary:after{content:" +";color:#c8200a;margin-left:8px}.tool-methodology[open] summary:after{content:" −"}.tool-methodology-body{margin-top:12px;font-size:13px;line-height:1.55;color:rgba(245,240,232,.58)}.tool-methodology-body ol{margin:12px 0 0;padding-left:18px}.tool-assumption{border-left:2px solid #c8200a;padding-left:12px;color:rgba(245,240,232,.72)}.tool-gate{margin-top:28px;padding-top:22px;border-top:.5px solid rgba(245,240,232,.08);display:flex;flex-direction:column;align-items:flex-start;gap:12px}.tool-gate-prompt{margin:0;font-size:16px;color:#f5f0e8}.tool-lead{margin-top:28px;padding-top:8px}.tool-lead h3{font-weight:100;font-size:22px;margin:0 0 18px}.tool-lead-privacy{margin:12px 0 0;font-size:12px;color:rgba(245,240,232,.4)}.tool-error{margin-bottom:12px;padding:10px 12px;border:.5px solid rgba(200,32,10,.5);color:#f5f0e8;font-size:13px}.tool-full{margin-top:24px}.tool-meta-line{display:flex;flex-wrap:wrap;gap:12px 24px;font-size:13px;color:rgba(245,240,232,.55);margin-bottom:20px}.tool-breakdown{list-style:none;padding:0;margin:0 0 24px}.tool-breakdown li{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:.5px solid rgba(245,240,232,.08);font-size:14px}.tool-cta-row{margin-bottom:12px}.tool-coming-actions,.tool-cta-row{display:flex;flex-wrap:wrap;gap:12px}.tool-coming-actions{margin-top:8px}.tools-wrap{max-width:920px}.tool-field input,.tool-field select{border-radius:12px;background:#0d0d0d;border:.5px solid rgba(245,240,232,.12)}.tool-form-section{margin-bottom:36px;padding:28px 24px;border:.5px solid rgba(245,240,232,.1);border-radius:18px;background:linear-gradient(165deg,rgba(245,240,232,.03),transparent 60%)}.tool-form-section-title{font-weight:100;font-size:22px;margin:0 0 20px;color:#f5f0e8}.tool-segmented{display:flex;flex-wrap:wrap;gap:8px}.tool-segmented button{flex:1;min-width:0;padding:12px 10px;font-size:13px;font-family:inherit;color:rgba(245,240,232,.55);background:#0d0d0d;border:.5px solid rgba(245,240,232,.12);border-radius:100px;cursor:pointer;transition:border-color .2s,color .2s,background .2s}.tool-segmented button.active{color:#f5f0e8;border-color:rgba(200,32,10,.55);background:rgba(200,32,10,.1)}.tool-calculating{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:18px;min-height:280px;padding:48px 24px;border:.5px solid rgba(245,240,232,.1);border-radius:22px;background:#0d0d0d}.tool-calculating-ring{width:48px;height:48px;border-radius:50%;border:1.5px solid rgba(245,240,232,.12);border-top-color:#c8200a;animation:toolSpin .9s linear infinite}@keyframes toolSpin{to{transform:rotate(1turn)}}.tool-calculating-title{font-weight:100;font-size:28px;margin:0;color:#f5f0e8}.tool-calculating-line{font-size:14px;color:rgba(245,240,232,.5);min-height:1.4em;transition:opacity .25s}.reveal-in{animation:toolRevealUp .55s ease-out both}@keyframes toolRevealUp{0%{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}.tool-preview-panel,.tool-result-panel{border-radius:22px;padding:32px 28px;background:#0d0d0d;border:.5px solid rgba(245,240,232,.1)}.tool-preview-hero{margin-bottom:22px}.tool-preview-hero-num,.tool-report-hero-num{font-family:IBM Plex Mono,ui-monospace,monospace;font-size:clamp(36px,7vw,56px);font-weight:600;line-height:1.1;color:#f5f0e8;letter-spacing:-.02em;margin-top:8px}.tool-money{border-radius:14px}.tool-report{margin-top:8px}.tool-report-hero{padding:36px 28px 32px;border-radius:22px;border:.5px solid color-mix(in srgb,#c8200a 28%,transparent);background:linear-gradient(165deg,rgba(200,32,10,.12),transparent 55%),#0d0d0d;margin-bottom:28px}.tool-report-eyebrow{font-family:IBM Plex Mono,ui-monospace,monospace;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:rgba(245,240,232,.45);margin-bottom:10px}.tool-report-title{font-weight:100;font-size:clamp(28px,4vw,36px);margin:0 0 8px}.tool-report-caption{margin:0 0 24px;color:rgba(245,240,232,.55);font-size:15px}.tool-report-hero-amount{margin-bottom:16px}.tool-report-hero-suffix{margin-top:6px;font-size:14px;color:rgba(245,240,232,.5)}.tool-report-hero-annual{font-size:15px;color:rgba(245,240,232,.62);display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin-bottom:12px}.tool-report-section{margin-bottom:28px;padding:28px 24px;border-radius:18px;border:.5px solid rgba(245,240,232,.1);background:rgba(245,240,232,.02)}.tool-report-section h3{font-weight:100;font-size:24px;margin:0 0 20px}.tool-donut-wrap{display:grid;grid-template-columns:180px 1fr;gap:28px;align-items:center}@media (max-width:640px){.tool-donut-wrap{grid-template-columns:1fr;justify-items:center}}.tool-donut{width:168px;height:168px;border-radius:50%;display:grid;place-items:center}.tool-donut-hole{width:108px;height:108px;border-radius:50%;background:#0d0d0d;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:8px}.tool-donut-center-label{font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:#c8200a}.tool-donut-center-value{font-family:IBM Plex Mono,ui-monospace,monospace;font-size:11px;font-weight:600;color:#f5f0e8;margin-top:4px;line-height:1.2}.tool-donut-legend{list-style:none;margin:0;padding:0;width:100%}.tool-donut-legend li{display:grid;grid-template-columns:10px 1fr auto;gap:10px;align-items:center;padding:10px 0;border-bottom:.5px solid rgba(245,240,232,.08);font-size:14px}.tool-donut-legend .swatch{width:10px;height:10px;border-radius:2px}.tool-donut-legend .lab{color:rgba(245,240,232,.7)}.tool-donut-legend .val{font-family:IBM Plex Mono,ui-monospace,monospace;color:#f5f0e8}.tool-report-meta-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:24px}@media (max-width:640px){.tool-report-meta-grid{grid-template-columns:1fr}}.tool-report-meta-grid .k{font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:rgba(245,240,232,.4);margin-bottom:6px}.tool-report-meta-grid .v{font-family:IBM Plex Mono,ui-monospace,monospace;font-size:16px;color:#f5f0e8}.tool-reco-list{display:flex;flex-direction:column;gap:14px}.tool-reco-card{display:grid;grid-template-columns:40px 1fr;gap:14px;padding:18px 16px;border-radius:14px;border:.5px solid rgba(245,240,232,.1);background:#080808;animation:toolRevealUp .5s ease-out both}.tool-reco-card.priority-high{border-color:rgba(200,32,10,.35)}.tool-reco-index{font-family:IBM Plex Mono,ui-monospace,monospace;font-size:13px;color:#c8200a;padding-top:2px}.tool-reco-card h4{margin:0 0 8px;font-size:15px;font-weight:600;color:#f5f0e8;line-height:1.35}.tool-reco-card p{margin:0;font-size:13px;line-height:1.55;color:rgba(245,240,232,.58)}.tool-compare-summary{margin:0 0 20px;font-size:14px;line-height:1.55;color:rgba(245,240,232,.62)}.tool-compare-row{margin-bottom:16px}.tool-compare-label{font-size:12px;letter-spacing:.04em;color:rgba(245,240,232,.45);margin-bottom:8px}.tool-compare-bars{display:flex;flex-direction:column;gap:8px}.tool-compare-track{position:relative;height:28px;border-radius:8px;background:rgba(245,240,232,.04);overflow:hidden;display:flex;align-items:center}.tool-compare-fill{position:absolute;inset:0 auto 0 0;border-radius:8px;transition:width .8s ease-out}.tool-compare-fill.you{background:rgba(200,32,10,.35)}.tool-compare-fill.peer{background:rgba(245,240,232,.12)}.tool-compare-track span{position:relative;z-index:1;padding:0 12px;font-size:12px;color:#f5f0e8}.tool-report-cta{margin-top:8px;padding:28px 24px;border-radius:18px;border:.5px solid rgba(200,32,10,.35);background:rgba(200,32,10,.06);text-align:center}.tool-report-cta-note{margin:0 0 18px;font-size:14px;color:rgba(245,240,232,.65);line-height:1.5}.tool-report-cta .tool-cta-row{justify-content:center}.tool-methodology{margin:0 0 28px;padding:18px 20px;border-radius:14px;border:.5px solid rgba(245,240,232,.08);background:rgba(245,240,232,.02)}