.tools-main{padding:44px 0 72px}.tool-intro{max-width:800px}.tool-intro .eyebrow,.tool-kicker{color:var(--teal);font-weight:800;letter-spacing:.03em}.tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:30px}.tool-card{display:flex;flex-direction:column;min-height:270px}.tool-card-icon{width:58px;height:58px;border-radius:16px;display:grid;place-items:center;background:#e3f3f1;color:var(--navy);font-size:1.7rem}.tool-card p{color:var(--muted);flex:1}.tool-card .button{align-self:flex-start;text-decoration:none}.tool-card.coming{background:#f5f7f8}.tool-card.coming .tool-card-icon{background:#e9edef;color:#61717b}.workflow{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:36px 0}.workflow article{border-left:5px solid var(--teal)}.privacy-note{padding:20px;border-radius:12px;background:#eaf2f6;border:1px solid var(--line)}
.loan-layout{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(330px,.8fr);gap:24px;align-items:start}.loan-form{display:grid;gap:20px}.form-section h2{margin-top:0}.field-help{color:var(--muted);font-size:.9rem}.checkbox-field{display:flex;gap:10px;align-items:flex-start;font-weight:600}.checkbox-field input{width:20px;height:20px;margin-top:2px}.inline-choice{display:flex;gap:18px;flex-wrap:wrap}.field-error{min-height:1.3em;color:var(--red);font-weight:700;margin:5px 0 0}.transfer-panel{margin-bottom:20px;background:#eff8f6;border:1px solid #a9d6d0;border-radius:12px;padding:18px}.transfer-panel[hidden]{display:none}.transfer-actions{display:flex;gap:10px;flex-wrap:wrap}.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.result-metric{padding:15px;border-radius:10px;background:#f2f6f8}.result-metric span{display:block;color:var(--muted);font-size:.9rem}.result-metric strong{display:block;margin-top:4px;font-size:1.15rem}.operator-status{margin-top:16px;padding:16px;border-radius:10px;border:2px solid #8299a6}.operator-status[data-status="comfortable"]{background:#e8f6f2}.operator-status[data-status="caution"]{background:#fff6db}.operator-status[data-status="burden"],.operator-status[data-status="unavailable"]{background:#fff0ed}.result-disclaimer{font-size:.9rem;color:var(--muted)}.cashflow-explainer{margin-top:18px;padding:16px;background:#f7fafb;border-radius:10px}.stress-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.stress-card{padding:17px;border:1px solid var(--line);border-radius:12px;background:#fff}.stress-card.highlight{border:3px solid var(--navy)}.stress-card h3{margin-top:0;font-size:1rem}.stress-card dl{margin:0}.stress-card dl div{display:flex;justify-content:space-between;gap:12px;padding:5px 0}.stress-card dt{color:var(--muted)}.stress-card dd{font-weight:700;text-align:right}.stress-card .loss{color:var(--red)}.schedule-wrap{overflow-x:auto}.schedule-table{width:100%;border-collapse:collapse;min-width:670px}.schedule-table th,.schedule-table td{padding:10px;border-bottom:1px solid var(--line);text-align:right}.schedule-table th:first-child,.schedule-table td:first-child{text-align:center}.schedule-table th{background:#edf3f5}.schedule-toggle{margin:14px 0}.experience-note,.official-note{padding:18px;border-radius:12px;margin:16px 0}.experience-note{background:#fff7df;border-left:5px solid #d59b1b}.official-note{background:#edf5f8;border-left:5px solid var(--navy)}.content-index{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.content-index a{display:block;padding:14px;background:#f4f7f8;border-radius:9px}.source-list li{margin-bottom:10px}.loan-results-empty{color:var(--muted);padding:25px 0}
@media(max-width:900px){.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.loan-layout{grid-template-columns:1fr}.loan-results{position:static}.stress-grid{grid-template-columns:1fr}}
@media(max-width:620px){.tools-main{padding-top:28px}.tool-grid,.workflow,.content-index,.result-grid{grid-template-columns:1fr}.tool-card{min-height:230px}.loan-form .field-grid{grid-template-columns:1fr}.loan-form .field.full{grid-column:auto}.transfer-actions .button{width:100%}.stress-card dl div{display:block}.stress-card dd{text-align:left;margin:3px 0 0}}