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a{text-decoration:none}.advisor-primary,.advisor-secondary{border-radius:10px;align-items:center;min-height:39px;padding:9px 14px;font-size:.82rem;font-weight:800;display:inline-flex}.advisor-primary{background:var(--shell-accent,#c9a96e);color:var(--shell-accent-ink,#111827)!important}.advisor-secondary{color:var(--tools-text-2);border:1px solid var(--tools-border)}.advisor-phone{color:var(--tools-text-3);font-size:.78rem}.tools-controls,.return-banner,.mortgage-summary,.tools-grid,.bottom-cta-card{max-width:1024px;margin-left:auto;margin-right:auto}.tools-controls{background:var(--tools-surface);border:1px solid var(--tools-border);border-radius:16px;align-items:center;gap:22px;margin-top:2px;margin-bottom:28px;padding:20px 28px;display:flex}.tools-controls strong{white-space:nowrap;font-family:Newsreader,Georgia,serif;font-size:1.02rem}.tools-controls label,.situation-group{color:var(--tools-text-2);align-items:center;gap:10px;font-size:.86rem;display:flex}.tools-controls select{appearance:none;border:1px solid var(--tools-border);min-width:190px;color:var(--tools-text);background:var(--tools-surface-2);font:inherit;border-radius:10px;padding:11px 38px 11px 16px}.situation-group button{border:1px solid var(--tools-border);color:var(--tools-text-3);background:var(--tools-surface-2);font:inherit;cursor:pointer;border-radius:999px;padding:8px 16px;font-weight:700}.situation-group button.active{color:var(--shell-accent,#c9a96e);background:color-mix(in srgb, var(--shell-accent,#c9a96e) 9%, white);border-color:var(--shell-accent-soft,#c9a96e47)}.return-banner,.mortgage-summary{border:1px solid var(--shell-accent-soft,#c9a96e38);background:color-mix(in srgb, var(--shell-accent,#c9a96e) 7%, white);color:var(--tools-text-2);border-radius:14px;justify-content:space-between;align-items:center;gap:16px;margin-bottom:22px;padding:16px 24px;display:flex}.return-banner a{color:var(--shell-accent,#c9a96e);font-weight:800;text-decoration:none}.mortgage-summary{background:var(--tools-surface);border-color:var(--tools-border)}.mortgage-summary h2{margin:0 0 4px;font-family:Newsreader,Georgia,serif;font-size:1rem}.mortgage-summary p{margin:0;font-family:IBM Plex Mono,monospace;font-weight:800}.tools-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;display:grid}.tool-card{border:1px solid var(--tools-border);background:var(--tools-surface);min-height:236px;color:inherit;border-radius:18px;flex-direction:column;padding:28px;text-decoration:none;transition:transform .18s,box-shadow .18s,border-color 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white)}.tool-icon.green{color:var(--tools-green);background:var(--tools-green-soft)}.tool-icon.red{color:var(--tools-red);background:var(--tools-red-soft)}.tool-icon.blue{color:var(--tools-blue);background:var(--tools-blue-soft)}.tool-tag{background:var(--tools-surface-2);color:var(--tools-text-3);text-transform:uppercase;letter-spacing:.06em;border-radius:6px;padding:4px 10px;font-size:.65rem;font-weight:800}.tool-card h2{letter-spacing:-.02em;margin:0 0 8px;font-family:Newsreader,Georgia,serif;font-size:1.4rem;line-height:1.15}.tool-card p{color:var(--tools-text-2);flex:1;margin:0 0 28px;font-size:.94rem;line-height:1.55}.tool-cta{background:var(--shell-accent,#c9a96e);min-height:44px;color:var(--shell-accent-ink,#111827);border-radius:11px;align-self:flex-start;align-items:center;gap:8px;padding:11px 22px;font-size:.86rem;font-weight:800;display:inline-flex}.tool-card.locked{cursor:default;background:var(--tools-surface-2);border-style:dashed;border-color:#0000001a}.tool-card.locked:hover{box-shadow:none;border-color:#0000001a;transform:none}.tool-card.locked h2{color:var(--tools-text-2)}.tool-card.locked .tool-tag{background:var(--tools-surface)}.tool-icon.locked{color:var(--tools-text-3);background:var(--tools-surface)}.tool-locked-note{background:var(--tools-surface);min-height:44px;color:var(--tools-text-2);border:1px solid #00000014;border-radius:11px;align-self:flex-start;align-items:center;gap:8px;padding:11px 18px;font-size:.86rem;font-weight:700;display:inline-flex}.tool-locked-note svg{color:var(--tools-text-3);flex:none}.bottom-cta-card{text-align:center;color:#f8fafc;background:linear-gradient(135deg, var(--shell-primary,#1f2937), #111827);border:1px solid #ffffff14;border-radius:18px;margin-top:28px;padding:42px 36px}.bottom-cta-card h2{margin:0 0 12px;font-family:Newsreader,Georgia,serif;font-size:1.65rem}.bottom-cta-card p{color:#cbd5e1;max-width:520px;margin:0 auto 24px}.bottom-cta-card a{color:var(--shell-accent-ink,#111827);background:var(--shell-accent,#c9a96e);border-radius:11px;align-items:center;gap:8px;padding:13px 24px;font-weight:800;text-decoration:none;display:inline-flex}@media (max-width:860px){.tools-page{padding:26px 16px 42px}.tools-brand{margin-bottom:34px}.tools-controls{flex-direction:column;align-items:flex-start;gap:14px;padding:18px}.tools-controls label,.situation-group{flex-wrap:wrap;width:100%}.tools-controls select{flex:1;min-width:180px}.tools-grid{grid-template-columns:1fr}.tool-card{min-height:238px}}@media (max-width:560px){.tools-page{padding:22px 16px 40px}.tools-hero{padding-bottom:22px}.tools-brand{width:max-content;margin-left:auto;margin-right:auto;display:block}.tools-badge{margin-bottom:16px}.tools-hero h1{font-size:2.25rem}.advisor-card{text-align:center;flex-direction:column;gap:14px;padding:20px}.advisor-actions{justify-content:center}.tools-controls strong{white-space:normal}.tools-controls select{width:100%}.situation-group button{flex:auto}.return-banner,.mortgage-summary{flex-direction:column;align-items:flex-start}.tool-card{min-height:228px;padding:26px}}