/* v11 mortgage tools page */
.tools-page{max-width:1100px;margin:0 auto;padding:36px 20px 48px}
@media (min-width:1024px){.tools-page{padding:56px 28px 64px}}
.tool-tabs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-bottom:28px}
@media (min-width:900px){.tool-tabs{grid-template-columns:repeat(4,minmax(0,1fr))}}
.tool-tabs [role=tab]{display:flex;flex-direction:column;align-items:flex-start;gap:4px;text-align:left;min-height:64px;padding:12px 16px;border:1px solid rgba(201,168,76,.22);border-radius:14px;background:rgba(255,255,255,.025);color:var(--cream-dark);font-family:var(--font-body);font-size:.88rem;letter-spacing:.04em;cursor:pointer;transition:border-color .3s,background .3s}
.tool-tabs [role=tab]:hover{border-color:rgba(201,168,76,.55)}
.tool-tabs [role=tab][aria-selected=true]{background:var(--navy-mid);border-color:var(--gold);color:var(--white);box-shadow:0 0 18px rgba(201,168,76,.15)}
.tt-num{font-family:var(--font-display);font-size:1rem;color:var(--gold);letter-spacing:.1em}
.tool-panel{background:var(--navy-mid);border:1px solid rgba(201,168,76,.15);border-radius:18px;padding:24px 18px}
@media (min-width:768px){.tool-panel{padding:36px 36px}}
.tool-panel h2{font-family:var(--font-display);font-weight:400;font-size:clamp(1.8rem,4.4vw,2.5rem);color:var(--white);line-height:1.2;margin-bottom:10px}
.tool-panel h2 em{font-style:italic;color:var(--gold)}
.tool-intro{color:var(--cream-dark);font-size:.98rem;max-width:75ch;margin-bottom:24px}
.tool-intro strong{color:var(--white);font-weight:500}
.tool-grid{display:grid;gap:24px}
@media (min-width:960px){.tool-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:36px;align-items:start}}
.tool-form{display:flex;flex-direction:column;gap:14px;min-width:0}
.t-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.t-field{display:flex;flex-direction:column;gap:6px;min-width:0}
.t-field span{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--text-muted);line-height:1.5}
.t-field input{width:100%;min-height:48px;padding:12px 14px;background:rgba(255,255,255,.04);border:1px solid rgba(201,168,76,.22);border-radius:12px;color:var(--cream);font-family:var(--font-body);font-size:1rem;font-weight:300}
.t-field input:focus{outline:none;border-color:var(--gold)}
.t-group{font-size:.7rem;letter-spacing:.25em;text-transform:uppercase;color:var(--gold);margin-top:6px}
.t-hint{font-size:.85rem;color:var(--muted-strong);line-height:1.6}
.t-err{color:#f8a5a5;font-size:.9rem}
.t-actions{display:flex;gap:12px;align-items:center;margin-top:4px}
.t-btn{flex:1;min-height:50px;border:none;border-radius:999px;background:var(--gold);color:var(--navy);font-family:var(--font-body);font-size:.76rem;letter-spacing:.22em;text-transform:uppercase;font-weight:500;cursor:pointer;box-shadow:0 0 16px rgba(201,168,76,.3)}
.t-btn:hover{background:var(--gold-light)}
.t-reset{min-height:50px;padding:0 18px;border:1px solid rgba(201,168,76,.4);border-radius:999px;background:transparent;color:var(--gold-light);font-family:var(--font-body);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;cursor:pointer}
.tool-out{min-width:0}
.t-results{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
.t-card{background:var(--navy);border:1px solid rgba(201,168,76,.35);border-radius:14px;padding:16px 16px;min-width:0}
.t-wide{grid-column:1/-1}
.t-lbl{font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;color:var(--text-muted);margin-bottom:6px;line-height:1.5}
.t-val{font-family:var(--font-display);font-size:clamp(1.7rem,3.4vw,2.3rem);color:var(--gold);line-height:1.15;overflow-wrap:anywhere}
.t-val.t-sm{font-size:clamp(1.35rem,2.6vw,1.7rem)}
.t-sub{font-size:.82rem;color:var(--muted-strong);margin-top:6px;line-height:1.6}
.t-warn{border-left:2px solid var(--gold);background:rgba(201,168,76,.07);padding:12px 16px;border-radius:0 10px 10px 0;font-size:.9rem;color:var(--cream-dark);line-height:1.6}
.t-warn p+p{margin-top:6px}
.t-warn strong{color:var(--gold-light);font-weight:400}
.quiz fieldset{border:1px solid rgba(201,168,76,.15);border-radius:12px;padding:12px 14px 10px}
.quiz legend{padding:0 6px;color:var(--white);font-size:.96rem}
.quiz label{display:flex;align-items:flex-start;gap:10px;padding:6px 0;color:var(--cream-dark);font-size:.94rem;cursor:pointer;line-height:1.5}
.quiz input[type=radio]{accent-color:#c9a84c;width:18px;height:18px;margin-top:3px;flex-shrink:0}
.quiz-list{list-style:none;display:flex;flex-direction:column;gap:10px}
.quiz-list li{color:var(--cream-dark);font-size:.94rem;line-height:1.55;padding-left:18px;position:relative}
.quiz-list li::before{content:'';position:absolute;left:0;top:.6em;width:7px;height:7px;border-radius:50%;background:var(--gold)}
.quiz-list strong{color:var(--white);font-weight:500}
.tools-privacy{margin-top:20px;font-size:.85rem;color:var(--muted-strong);max-width:80ch}
@media (max-width:420px){.t-row{grid-template-columns:1fr}.t-results{grid-template-columns:1fr}.tool-tabs [role=tab]{font-size:.8rem;padding:10px 12px}}
.tools-page [hidden]{display:none !important}