.tools-intro{padding-top:65px;padding-bottom:55px;background:#eee9dd}.tools-intro h1{font-size:clamp(44px,5vw,70px)}.tools-intro>p{max-width:650px}.tools-links{display:flex;flex-wrap:wrap;gap:12px;margin:25px 0}.tools-links a{border-bottom:1px solid #aa9158;padding:8px 0;margin-right:22px;font-size:14px}.tools-privacy{font-size:12px}.tool-section{padding-top:60px;padding-bottom:45px;scroll-margin-top:170px}.tool-heading{max-width:750px}.tool-heading h2{font-size:40px}.tool-heading .eyebrow{text-transform:uppercase}.tool-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:35px}.tool-controls{padding:28px;border:1px solid #d2c8b1;background:#faf8f2}.tool-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:25px}.tool-fields label{font-size:13px;font-weight:700;color:#193540}.tool-fields input{display:block;width:100%;margin-top:8px;padding:12px;border:1px solid #bcb8aa;border-radius:0;background:#fffdf7;font:18px Arial;color:#193540;min-height:48px}.tool-fields input:focus{outline:2px solid #a58b50;outline-offset:2px}.tool-reset{border:0;background:transparent;text-decoration:underline;color:#6d603c;font-size:13px;margin:14px}.tool-result{padding:32px;background:#10253f;color:#fff;min-width:0}.tool-result p{color:#d4dce3;font-size:14px}.tool-result .result-label{color:#d6bf86;font-size:11px;letter-spacing:1.5px;text-transform:uppercase}.result-value{display:block;font:44px/1.2 Georgia,serif;margin:12px 0 20px;overflow-wrap:anywhere}.result-detail{padding-top:16px;border-top:1px solid #ffffff25;display:flex;justify-content:space-between;gap:15px;margin-top:15px;font-size:14px}.result-detail strong{color:#f0dcaf}.tool-result svg{width:100%;height:auto;margin-top:16px}.tool-assumptions{margin-top:20px;font-size:13px;border-bottom:1px solid #d2c8b1;padding:15px 0}.tool-assumptions summary{cursor:pointer;color:#6d603c}.tool-assumptions p{margin:12px 0}.tools-next{padding-top:40px;padding-bottom:35px}.tools-next h2{font-size:38px}.tools-disclosure{font-size:12px;padding-bottom:45px}.tools-disclosure a{text-decoration:underline}.tool-error{color:#9f3028;font-size:13px;margin:10px 0 0}.tools-doorway{padding-top:35px;padding-bottom:35px;display:flex;align-items:center;justify-content:space-between;gap:25px;background:#e9e3d5}.tools-doorway h2{font-size:36px;margin-bottom:12px}.tools-doorway p{margin-bottom:10px}@media(max-width:760px){.tools-intro{padding:36px 24px}.tool-section{padding:35px 24px;scroll-margin-top:100px}.tool-heading h2{font-size:31px}.tool-grid{grid-template-columns:1fr;gap:18px}.tool-fields{grid-template-columns:1fr}.tool-controls,.tool-result{padding:24px}.result-value{font-size:38px}.tools-next,.tools-disclosure{padding-left:24px;padding-right:24px}.tools-doorway{flex-direction:column;align-items:start;padding:28px 24px}}
/* A quieter introduction, with each calculator presented as a focused workspace. */
.planning-tools{background:#f2efe6}.planning-tools .tools-intro{max-width:none;padding:64px max(7%,calc((100vw - 1160px)/2)) 48px;background:radial-gradient(ellipse at 90% 0%,#d9cba44d,transparent 55%),#eee9dd;border-bottom:1px solid #d6ccb5;position:relative}.tools-intro:before{content:'';display:block;width:52px;height:2px;background:#a58b50;margin-bottom:27px}.tools-intro h1{font-size:clamp(46px,5.2vw,74px);max-width:850px;line-height:1.06;letter-spacing:-1.7px;margin-bottom:24px}.tools-intro h1 em{color:#8b7445}.tools-intro>p:not(.eyebrow):not(.tools-privacy){font-size:18px;line-height:1.65;max-width:580px}.tools-links{border-top:1px solid #c9bea6;padding-top:22px;margin-top:30px;gap:12px}.tools-links a{margin-right:0;padding:12px 20px;border:1px solid #c4b89d;font-weight:700;font-size:13px;background:#f8f5ed;transition:background .2s,color .2s}.tools-links a:hover,.tools-links a:focus-visible{background:#10253f;color:#fff;border-color:#10253f}.tools-intro .tools-privacy{margin-top:20px;margin-bottom:0;color:#6d7369;font-size:12px}
.tool-section{padding-top:60px;padding-bottom:16px;max-width:1320px}.tool-heading{max-width:none;display:grid;grid-template-columns:210px 1fr;gap:25px;align-items:start;margin-bottom:28px}.tool-heading .eyebrow{padding-top:10px;margin:0;letter-spacing:1.8px;font-size:10px}.tool-heading h2{font-size:36px;max-width:700px;line-height:1.16;margin:0;letter-spacing:-.7px}.tool-grid{gap:0;border:1px solid #d4cbb7;background:#fcfaf4;box-shadow:0 12px 35px #10253f05;grid-template-columns:1.15fr 1fr}.tool-controls{padding:34px;border:0;background:transparent}.tool-fields{gap:24px 20px;margin-bottom:30px}.tool-fields label{font-size:12px;font-weight:700;line-height:1.5;color:#47564f}.tool-fields input{padding:13px 14px;background:#fffdf8;border-color:#cfc7b6;font-size:19px;font-variant-numeric:tabular-nums;transition:border-color .2s}.tool-fields input:hover{border-color:#a78b50}.tool-controls>.button{padding:13px 22px;min-height:46px;font-size:12px;letter-spacing:.5px}.tool-reset{font-size:12px;text-underline-offset:4px}.tool-result{padding:34px 32px;position:relative;display:flex;flex-direction:column;justify-content:center;background:linear-gradient(140deg,#18364a,#10253f)}.tool-result:before{content:'';width:34px;height:2px;background:#cbb27a;display:block;margin-bottom:23px}.tool-result .result-label{margin:0;font-size:10px;line-height:1.7;letter-spacing:1.7px}.tool-result .result-value{font-size:clamp(38px,4.4vw,61px);letter-spacing:-1.4px;color:#fffaf0;margin:12px 0 26px;font-variant-numeric:tabular-nums}.result-detail{line-height:1.5;font-size:12px;align-items:baseline;margin-top:0;padding:16px 0;border-top:1px solid #ffffff25}.result-detail strong{font-size:15px;font-weight:400;white-space:nowrap}.tool-result>p:last-child{font-size:11px;line-height:1.7;color:#bfcbd2;margin:18px 0 0}.tool-assumptions{margin:0;padding:17px 0 22px;border-color:#d4cbb7}.tool-assumptions summary{font-size:12px;list-style-position:inside;letter-spacing:.1px}.tool-assumptions p{max-width:850px;line-height:1.8;font-size:12px}.tools-next{margin-top:45px;padding-top:36px;padding-bottom:36px;border-top:1px solid #bca97c;display:grid;grid-template-columns:1fr auto;column-gap:30px}.tools-next h2{font-size:34px;margin-bottom:15px;grid-column:1}.tools-next p{grid-column:1;max-width:650px;font-size:15px;margin-bottom:0}.tools-next .button{grid-column:2;grid-row:1/3;align-self:center;font-size:12px}.tools-disclosure{padding-top:16px;padding-bottom:45px;line-height:1.7}.tools-disclosure p{max-width:1000px;font-size:11px}
@media(max-width:760px){.planning-tools .tools-intro{padding:34px 24px 30px}.tools-intro:before{margin-bottom:20px}.tools-intro h1{font-size:45px;letter-spacing:-1px}.tools-intro>p:not(.eyebrow):not(.tools-privacy){font-size:16px}.tools-links{display:flex;flex-direction:column;gap:8px;padding-top:18px;margin-top:23px}.tools-links a{padding:12px 15px}.tools-intro .tools-privacy{font-size:11px}.tool-section{padding:34px 20px 0}.tool-heading{display:block;margin-bottom:20px}.tool-heading .eyebrow{padding:0;margin-bottom:10px}.tool-heading h2{font-size:29px;letter-spacing:-.5px}.tool-grid{grid-template-columns:1fr}.tool-controls{padding:24px 20px}.tool-fields{gap:18px}.tool-fields input{min-height:49px;font-size:18px}.tool-controls>.button{width:100%;justify-content:center}.tool-reset{display:block;margin:16px auto 0;padding:8px}.tool-result{padding:28px 23px}.tool-result .result-value{font-size:46px}.result-detail{gap:16px}.result-detail span{max-width:68%}.tool-assumptions{padding-bottom:20px}.tools-next{display:block;margin:30px 24px 0;padding:28px 0}.tools-next h2{font-size:29px}.tools-next .button{margin-top:22px}.tools-disclosure{padding-top:0}.tool-result:before{margin-bottom:19px}}
/* Compact editorial masthead: get straight to the tools. */
.planning-tools .tools-intro{padding-top:30px;padding-bottom:24px;display:grid;grid-template-columns:1.2fr 1fr;column-gap:45px;background:#eae5d9}
.tools-intro:before{display:none}.tools-intro>.eyebrow{grid-column:1;grid-row:1;margin:0 0 10px;font-size:10px;letter-spacing:2px}
.tools-intro h1{grid-column:1;grid-row:2;font-size:clamp(34px,3.5vw,49px);letter-spacing:-1px;line-height:1.12;margin:0;max-width:none}
.tools-intro>p:not(.eyebrow):not(.tools-privacy){grid-column:2;grid-row:1/3;font-size:15px;line-height:1.65;align-self:center;margin:0;max-width:360px;justify-self:end}
.tools-intro .tools-links{grid-column:1/3;grid-row:3;display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:0;margin:25px 0 0;padding:0;background:#f8f5ee;border:1px solid #cfc4ac}
.tools-intro .tools-links a{padding:14px 20px;background:transparent;border:0;border-right:1px solid #cfc4ac;font-size:13px;line-height:1.4;margin:0;position:relative}
.tools-intro .tools-links a:last-child{border:0}.tools-intro .tools-links a:hover,.tools-intro .tools-links a:focus-visible{background:#10253f;color:#fff}
.tools-intro .tools-privacy{grid-column:1/3;grid-row:4;font-size:10px;margin-top:12px}
.tool-section{padding-top:36px}.tool-heading{grid-template-columns:180px 1fr;margin-bottom:20px;gap:25px}.tool-heading h2{font-size:31px;max-width:640px}.tool-heading .eyebrow{font-size:9px;letter-spacing:1.5px}
.tool-grid{box-shadow:0 8px 28px #19354006;border-color:#cfc4ac}.tool-controls{padding:28px 30px}.tool-fields{gap:19px 23px}.tool-fields input{background:#f8f6ee;border:0;border-bottom:1px solid #bcb199;border-radius:0;padding:11px 12px;font-size:20px}.tool-fields label{font-size:11px;letter-spacing:.1px}.tool-result{padding:29px 34px;background:radial-gradient(ellipse at 100% 0%,#31505e55,transparent 65%),#10253f}.tool-result .result-value{font-size:52px;margin-bottom:20px}.tool-result svg{max-height:120px}.tool-assumptions{padding:14px 0 22px}
@media(max-width:760px){.planning-tools .tools-intro{display:block;padding:25px 24px 20px}.tools-intro h1{font-size:37px;line-height:1.12;margin:0 0 14px}.tools-intro>p:not(.eyebrow):not(.tools-privacy){font-size:14px;line-height:1.6;max-width:none}.tools-intro .tools-links{margin-top:20px;grid-template-columns:1fr;gap:0}.tools-intro .tools-links a{padding:11px 14px;border:0;border-bottom:1px solid #d7cebc;font-size:12px}.tools-intro .tools-privacy{line-height:1.5}.tool-section{padding:27px 20px 0}.tool-heading{display:block;margin-bottom:18px}.tool-heading h2{font-size:27px}.tool-controls{padding:23px 20px}.tool-fields{gap:18px}.tool-result{padding:25px 23px}.tool-result .result-value{font-size:44px}}
/* Make each planning question feel distinct, without adding more boxes. */
.planning-tools .tools-intro{background-image:radial-gradient(ellipse at 95% 10%,#d8c29355,transparent 65%),url('assets/hero-linen.svg');background-size:100% 100%,280px 280px}
.tool-heading .tool-symbol{width:42px;height:42px;color:#a58b50;display:block;margin-bottom:16px}
.tool-heading .eyebrow{padding-top:0}.tool-heading h2 em{color:#8b7445;font-weight:400}
.tool-question-note{font-size:13px!important;line-height:1.6!important;color:#637069;max-width:550px;margin:12px 0 0!important}
.tool-heading{align-items:center;grid-template-columns:180px 1fr}
.tool-heading>div{max-width:710px}
#goal .tool-result{background:radial-gradient(ellipse at 100% 0%,#d8cba460,transparent 80%),#e4ddc9;color:#193540}
#goal .tool-result .result-value{color:#193540}
#goal .tool-result .result-label{color:#75613a}
#goal .tool-result p{color:#4d5d54}
#goal .result-detail{border-color:#ab9b7766}
#goal .result-detail strong{color:#705a30}
#goal .tool-result>p:last-child{color:#5d685d}
#income .tool-result{background:radial-gradient(ellipse at 100% 0%,#52766d33,transparent 70%),#233f3c}
.goal-track{margin:8px 0 24px;height:8px;background:#b9ab8955;position:relative;overflow:hidden}
.goal-track span{display:block;height:100%;background:#8b7445}
.goal-caption{font-size:11px!important;line-height:1.5;margin-top:0!important;color:#716448!important}
.income-comparison{display:grid;gap:13px;margin:5px 0 22px}.income-comparison>div>span{display:flex;justify-content:space-between;gap:10px;font-size:11px;color:#e1e6df;margin-bottom:7px}.income-comparison b{font-weight:400;color:#dec88e}.income-comparison i{display:block;height:6px;background:#ffffff15}.income-comparison i>span{display:block;height:100%;background:#b8c7b2}.income-comparison>div:last-child i>span{background:#d5ba81}
.tool-heading .tool-symbol path,.tool-heading .tool-symbol circle{vector-effect:non-scaling-stroke}
@media(max-width:760px){.tool-heading .tool-symbol{width:32px;height:32px;margin-bottom:10px}.tool-heading>.eyebrow{display:flex;align-items:center;gap:12px}.tool-heading>.eyebrow .tool-symbol{margin:0}.tool-question-note{font-size:12px!important;margin-top:10px!important}}
/* Subtle woven paper behind the tools; calculation surfaces remain clean. */
.planning-tools{background-color:#f2efe6;background-image:url('assets/hero-linen.svg');background-size:280px 280px;background-repeat:repeat}
.planning-tools .tool-controls{background:#fcfaf4}
.planning-tools .tool-grid{background:#fcfaf4}
.tools-intro .tools-links{grid-template-columns:repeat(5,1fr)}
#mortgage .tool-result{background:radial-gradient(ellipse at 100% 0%,#8d705633,transparent 80%),#3c3933}
#education .tool-result{background:#e1e5dc;color:#193540}#education .tool-result .result-value{color:#193540}#education .tool-result .result-label{color:#59654e}#education .tool-result p{color:#4d5d54}#education .result-detail{border-color:#a3b09b66}#education .result-detail strong{color:#3f5a47}#education .tool-result>p:last-child{color:#5d685d}
@media(max-width:760px){.tools-intro .tools-links{grid-template-columns:1fr}.tools-intro .tools-links a{border-right:0}}
#mortgage .result-detail:last-of-type strong{white-space:normal;text-align:right}

.tools-intro .tools-links{grid-template-columns:repeat(4,1fr)}@media(max-width:760px){.tools-intro .tools-links{grid-template-columns:1fr}}