.tool-page{background:var(--paper)}.tool-hero{grid-template-columns:minmax(0,1.2fr) minmax(280px,.55fr);align-items:center;gap:70px;min-height:520px;padding-block:58px 72px;display:grid}.tool-hero h1{font-family:var(--font-display);letter-spacing:-.055em;max-width:850px;margin:0;font-size:clamp(54px,6.2vw,88px);font-weight:900;line-height:.93}.tool-hero h1 span{color:var(--blue)}.tool-hero-intro{color:var(--ink-soft);max-width:720px;margin:28px 0 0;font-size:18px;line-height:1.65}.tool-hero-marker{background:var(--ink);border:2px solid var(--ink);box-shadow:10px 10px 0 var(--coral);color:var(--white);flex-direction:column;min-height:230px;padding:28px;display:flex}.tool-hero-marker>span,.tool-panel-label{font-family:var(--font-utility);letter-spacing:.12em;text-transform:uppercase;font-size:10px;font-weight:800}.tool-hero-marker strong{font-family:var(--font-display);margin-top:52px;font-size:28px;line-height:1.05}.tool-hero-marker-link{color:var(--lemon);justify-content:center;align-items:center;width:44px;height:44px;margin-top:auto;font-size:32px;text-decoration:none;transition:color .16s,transform .16s;display:flex}.tool-hero-marker-link:hover{color:var(--coral);transform:translateY(3px)}.tool-hero-marker-link:focus-visible{outline:2px solid var(--lemon);outline-offset:3px}.tool-workbench{background:var(--blue-deep);border-block:2px solid var(--ink);padding-block:76px}.tool-calculator{background:var(--white);border:2px solid var(--ink);box-shadow:12px 12px 0 var(--lemon)}.tool-calculator--split{grid-template-columns:minmax(270px,.75fr) minmax(0,1.25fr);display:grid}.tool-inputs,.tool-output{padding:40px}.tool-inputs{background:var(--sky);border-right:2px solid var(--ink)}.tool-panel-label{color:var(--blue);margin:0 0 28px;display:block}.tool-inputs label{margin:24px 0 8px;font-size:13px;font-weight:800;display:block}.tool-number-input{background:var(--white);border:2px solid var(--ink);align-items:center;padding:0 16px;display:flex}.tool-number-input input{color:var(--ink);font-family:var(--font-display);background:0 0;border:0;outline:0;width:100%;min-width:0;padding:13px 0;font-size:30px;font-weight:850}.tool-number-input:focus-within{outline:3px solid var(--coral);outline-offset:3px}.tool-select{background:var(--white);border:2px solid var(--ink);color:var(--ink);font:inherit;border-radius:0;width:100%;padding:16px;font-size:14px;font-weight:700}.tool-select:focus-visible{outline:3px solid var(--coral);outline-offset:3px}.tool-number-input span{font-weight:800}.tool-help{color:var(--ink-soft);margin:12px 0 0;font-size:12px;line-height:1.5}.rule-rail{border:2px solid var(--ink);height:24px;margin-bottom:24px;display:flex}.rule-rail span+span{border-left:2px solid var(--ink)}.rule-rail-needs{background:var(--sky)}.rule-rail-wants{background:var(--lemon)}.rule-rail-future{background:var(--coral)}.rule-results{grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.rule-results article{min-width:0;padding:22px 18px 28px}.rule-results article+article{border-left:1px solid var(--line)}.rule-results span,.rule-results small{color:var(--ink-soft);font-size:11px;display:block}.rule-results strong{font-family:var(--font-display);letter-spacing:-.04em;margin:28px 0 8px;font-size:clamp(28px,4vw,48px);line-height:1;display:block}.tool-verdict{background:var(--mint);border-left:6px solid var(--ink);margin:20px 0 0;padding:18px;font-size:13px;line-height:1.55}.tool-verdict--warn{background:var(--lemon)}.result-kicker{color:var(--ink-soft);font-size:13px;font-weight:700;display:block}.result-range,.result-rate{font-family:var(--font-display);letter-spacing:-.06em;margin:28px 0 34px;font-size:clamp(48px,7vw,82px);line-height:.95;display:block}.emergency-scale,.savings-meter{background:var(--sky);border:2px solid var(--ink);height:26px;position:relative}.emergency-scale span,.savings-meter span{background:var(--lemon);border-right:2px solid var(--ink);height:100%;display:block}.emergency-scale span{border-left:2px solid var(--ink);width:50%;position:absolute;left:50%}.emergency-scale i{background:var(--coral);width:6px;height:38px;position:absolute;top:-8px;transform:translate(-3px)}.emergency-scale-labels{color:var(--ink-soft);font-family:var(--font-utility);letter-spacing:.04em;text-transform:uppercase;justify-content:space-between;padding-top:8px;padding-left:50%;font-size:9px;display:flex}.savings-meter span{background:var(--blue)}.tool-result-list{margin:28px 0 0}.tool-result-list div{border-bottom:1px solid var(--line);justify-content:space-between;align-items:baseline;gap:20px;padding:12px 0;display:flex}.tool-result-list dt{color:var(--ink-soft);font-size:13px}.tool-result-list dd{font-family:var(--font-display);margin:0;font-size:21px;font-weight:800}.savings-growth-link{margin-top:20px;display:inline-block}.formula-board{background:var(--ink);box-shadow:10px 10px 0 var(--coral);color:var(--white);padding:38px}.formula-board code{color:var(--lemon);font-family:var(--font-utility);font-size:clamp(16px,2.2vw,25px)}.formula-board p{margin:28px 0 0;font-size:17px}.download-board{background:var(--white);border:2px solid var(--ink);box-shadow:12px 12px 0 var(--lemon);grid-template-columns:minmax(320px,.9fr) minmax(0,1.1fr);align-items:start;gap:28px 56px;padding:44px;display:grid}.download-board h2{font-family:var(--font-display);letter-spacing:-.045em;margin:0;font-size:clamp(38px,5vw,64px);font-weight:900;line-height:.96}.download-board ul{color:var(--ink-soft);columns:2;margin:30px 0 0;padding-left:20px}.download-button{grid-column:1;align-self:start;min-width:270px}.download-preview{grid-area:1/2/span 2;align-self:center;margin:0;padding:24px}.download-preview img{border:2px solid var(--ink);width:100%;height:auto;display:block}.download-preview figcaption{color:var(--ink-soft);margin-top:10px;font-size:11px;line-height:1.5}.tool-reading{padding-block:120px}.tool-reading-lead{grid-template-columns:.45fr 1fr;align-items:end;gap:40px;margin-bottom:54px;display:grid}.tool-reading-lead h2{font-family:var(--font-display);letter-spacing:-.045em;margin:0;font-size:clamp(42px,5vw,68px);font-weight:900;line-height:.96}.tool-reading-grid{grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.tool-reading-grid article{border:2px solid var(--ink);min-height:300px;padding:28px}.tool-reading-grid article+article{border-left:0}.tool-reading-grid article>strong{color:var(--blue);font-family:var(--font-display);font-size:38px}.tool-reading-grid h3{font-family:var(--font-display);margin:72px 0 12px;font-size:26px}.tool-reading-grid p{color:var(--ink-soft);margin:0;font-size:14px}.tool-source{color:var(--ink-soft);margin:28px 0 0;font-size:12px;line-height:1.6}.tool-source a{text-decoration:underline;-webkit-text-decoration-color:var(--line);text-decoration-color:var(--line);text-underline-offset:4px;font-weight:800}.tool-source a:hover{color:var(--blue);text-decoration-color:currentColor}@media (max-width:1100px){.download-board{grid-template-columns:1fr;padding:44px}.download-button,.download-preview{grid-area:auto/1}.download-preview{padding:0}}@media (max-width:900px){.tool-hero,.tool-calculator--split,.tool-reading-lead{grid-template-columns:1fr}.tool-hero{gap:38px;padding-block:48px 64px}.tool-hero-marker{min-height:180px}.tool-hero-marker strong{margin-top:32px}.tool-inputs{border-bottom:2px solid var(--ink);border-right:0}.tool-reading-grid{grid-template-columns:1fr}.tool-reading-grid article+article{border-left:2px solid var(--ink);border-top:0}}@media (max-width:620px){.tool-hero h1{font-size:44px}.tool-inputs,.tool-output{padding:26px 20px}.rule-results{grid-template-columns:1fr}.rule-results article+article{border-left:0;border-top:1px solid var(--line)}.tool-workbench{padding-block:54px}.download-board{padding:28px 22px}.download-board ul{columns:1}}