.tools-hero{position:relative;overflow:hidden;padding:92px 0;background:radial-gradient(circle at 8% 15%,rgba(255,215,0,.2),transparent 24rem),radial-gradient(circle at 90% 30%,rgba(22,160,133,.18),transparent 28rem),linear-gradient(135deg,#fff,#f4faf8 55%,#f5f5dc)}.tools-hero-grid{display:grid;grid-template-columns:1.15fr .65fr;gap:70px;align-items:center}.tools-hero h1{margin:18px 0}.tools-hero-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:28px}.tools-hero-actions span{color:var(--muted);font-size:.84rem}.tools-hero-art{position:relative;width:min(100%,390px);aspect-ratio:1;margin:auto;border-radius:42% 58% 54% 46%;background:linear-gradient(145deg,var(--navy),var(--teal));box-shadow:0 30px 80px rgba(0,51,102,.22);display:grid;place-items:center}.tools-hero-art:before{content:"";position:absolute;inset:24px;border:3px solid var(--gold);border-radius:inherit}.tools-hero-art strong{color:#fff;font-size:5rem}.tools-hero-art i{position:absolute;width:72px;height:72px;border-radius:22px;background:#fff;box-shadow:0 15px 35px rgba(0,0,0,.15)}.tools-hero-art i:nth-child(1){left:-22px;top:50px}.tools-hero-art i:nth-child(2){right:-18px;bottom:55px;background:var(--gold)}.tools-hero-art i:nth-child(3){left:38px;bottom:-20px;background:#e9f7f3}.tool-card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.tool-card{display:flex;flex-direction:column;padding:0;text-align:left;border:1px solid var(--line);border-radius:24px;background:#fff;overflow:hidden;cursor:pointer;box-shadow:var(--shadow2);transition:.25s}.tool-card:hover,.tool-card:focus-visible{transform:translateY(-6px);border-color:rgba(22,160,133,.45);box-shadow:var(--shadow)}.tool-art{position:relative;display:grid;place-items:center;height:170px;overflow:hidden;background:linear-gradient(135deg,#fff3c4,#f5f5dc)}.tool-art:before,.tool-art:after{content:"";position:absolute;border-radius:50%;border:15px solid rgba(0,51,102,.12)}.tool-art:before{width:135px;height:135px;left:-28px;bottom:-75px}.tool-art:after{width:90px;height:90px;right:-20px;top:-35px;border-color:rgba(22,160,133,.2)}.tool-art b{position:relative;z-index:1;color:var(--navy);font-size:1.15rem;letter-spacing:.08em;text-transform:uppercase}.tool-art-health,.tool-art-life,.tool-art-critical{background:linear-gradient(135deg,#e8f7f3,#fff)}.tool-art-goal,.tool-art-expense,.tool-art-estate{background:linear-gradient(135deg,#eef4fa,#f5f5dc)}.tool-card-copy{display:flex;flex:1;flex-direction:column;padding:22px}.tool-card-copy strong{color:var(--navy);font-size:1.12rem}.tool-card-copy small{display:block;margin:9px 0 15px;color:var(--muted);line-height:1.55}.tool-card-copy em{margin-top:auto;color:var(--muted);font-size:.75rem;font-style:normal}.tool-card-copy i{margin-top:14px;color:var(--teal);font-size:.84rem;font-weight:900;font-style:normal}.tool-workspace{padding:82px 0;background:#f5f8fa}.tool-workspace[hidden],.calculator[hidden]{display:none}.tool-back{margin-bottom:20px;padding:8px 0;border:0;background:none;color:var(--teal);font-weight:850;cursor:pointer}.calculator{display:grid;grid-template-columns:.7fr 1.1fr .85fr;gap:28px;align-items:start}.calculator-copy{position:sticky;top:130px}.calculator-copy h2{margin:16px 0}.calculator-copy p{color:var(--muted)}.calculator-form,.calculator-result{padding:26px;border:1px solid var(--line);border-radius:24px;background:#fff;box-shadow:var(--shadow2)}.calculator-form{display:grid;grid-template-columns:1fr 1fr;gap:16px}.calculator-form label{display:grid;gap:7px;color:var(--navy);font-size:.78rem;font-weight:800}.calculator-form label small{color:var(--muted);font-size:.68rem;font-weight:500;line-height:1.4}.calculator-form input{width:100%;padding:12px;border:1px solid rgba(0,51,102,.18);border-radius:12px;outline:none}.calculator-form input:focus{border-color:var(--teal);box-shadow:0 0 0 4px rgba(22,160,133,.1)}.calculator-form .btn{grid-column:1/-1;margin-top:5px}.calculator-result{min-height:250px}.calculator-result:empty:before{content:"Your personalized estimate will appear here.";color:var(--muted)}.result-label{color:var(--teal);font-size:.73rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase}.result-primary{display:block;margin:8px 0;color:var(--navy);font-size:clamp(2rem,3vw,3.2rem);line-height:1}.result-list{display:grid;gap:10px;margin:24px 0}.result-list div{display:flex;justify-content:space-between;gap:14px;padding-bottom:10px;border-bottom:1px solid var(--line)}.result-list span{color:var(--muted);font-size:.8rem}.result-list strong{color:var(--navy);text-align:right}.result-note{padding:13px;background:#f1f8f6;border-radius:12px;color:#3e5e57;font-size:.76rem}.result-actions{display:flex;gap:8px;margin-top:15px;flex-wrap:wrap}.result-actions a,.result-actions button{padding:8px 11px;border:1px solid var(--line);border-radius:9px;background:#fff;color:var(--navy);font-size:.75rem;font-weight:800;cursor:pointer}.tools-note{background:var(--navy)}.tools-note-card{display:flex;justify-content:space-between;align-items:center;gap:30px;color:#fff}.tools-note-card h2{max-width:780px;margin:12px 0;color:#fff}.tools-note-card p{color:#c7d5e1}.tools-disclaimer{margin:42px 0 0;padding-top:24px;border-top:1px solid rgba(255,255,255,.15);color:#aebdca;font-size:.75rem}@media(max-width:1050px){.calculator{grid-template-columns:1fr 1fr}.calculator-copy{position:static;grid-column:1/-1}.tool-card-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){.tools-hero-grid,.calculator{grid-template-columns:1fr}.tools-hero-art{width:250px;margin-top:20px}.tool-card-grid{grid-template-columns:1fr}.calculator-form{grid-template-columns:1fr}.calculator-form .btn{grid-column:auto}.tools-note-card{align-items:flex-start;flex-direction:column}}@media print{header,.site-footer,.footer-cta,.financial-buddy,.tools-hero,.tool-card-grid,.tool-back,.calculator-copy,.calculator-form,.tools-note{display:none!important}.tool-workspace{padding:0;background:#fff}.calculator{display:block!important}.calculator[hidden]{display:none!important}.calculator-result{box-shadow:none}}