/* mGIC calculators (/tools/) and /rates/. Uses the tokens in site.css; loaded after article.css by tools/site/build.mjs. */
:root { --ok: #1d6b43; --ok-bg: #e7f2ec; --warn: #8a5a00; --warn-bg: #fbf1dc; }
.tool-wrap { width: min(1180px, 90%); margin: 0 auto; padding: 36px 0 70px; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 470px); gap: 48px; align-items: start; font-family: Arial, Helvetica, sans-serif; }
.tool-form { display: grid; gap: 26px; min-width: 0; }
.tool-form fieldset { border: 1px solid var(--line); background: #fff; padding: 22px 24px 24px; min-width: 0; }
.tool-form legend { padding: 0 8px; margin-left: -8px; font-size: 11px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--red); }
.tool-form .fs-help { font-size: 14px; line-height: 1.5; color: var(--muted); margin: 0 0 16px; }
.tool-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 190px), 1fr)); gap: 16px 18px; }
.tool-form label { display: grid; gap: 6px; font-size: 13px; font-weight: 700; color: var(--navy); }
/* each grid field = 3 shared rows (title, box, help) so boxes in a row line up even when titles wrap or help text differs */
.tool-grid { row-gap: 0; }
.tool-grid > label { grid-row: span 3; grid-template-rows: subgrid; row-gap: 0; padding-bottom: 18px; align-content: start; }
.tool-grid > label > .lbl { align-self: end; padding-bottom: 7px; line-height: 1.3; }
.tool-grid > label > small { padding-top: 6px; align-self: start; }
.tool-form label small { font-weight: 400; color: var(--muted); font-size: 12px; line-height: 1.4; }
.tool-form input:not([type="checkbox"]), .tool-form select { height: 48px; }
.tool-form input:not([type="checkbox"]), .tool-form select, .tool-form textarea { width: 100%; align-self: start; margin: 0; border: 1px solid #c7ccd6; background: var(--paper); padding: 12px 13px; font-size: 16px; color: var(--ink); font-variant-numeric: tabular-nums; }
.tool-form textarea { min-height: 150px; font-family: ui-monospace, Menlo, Consolas, monospace; font-size: 14px; line-height: 1.55; }
.tool-form input:focus, .tool-form select:focus, .tool-form textarea:focus { outline: 2px solid var(--navy); outline-offset: -1px; background: #fff; }
.tool-form .check { display: flex; grid-template-columns: none; align-items: flex-start; gap: 10px; font-weight: 400; color: var(--ink); font-size: 14px; line-height: 1.45; }
.tool-form .check input { width: 18px; height: 18px; margin-top: 1px; flex: none; accent-color: var(--navy); }
.tool-form .checks { display: grid; gap: 12px; margin-top: 2px; }
.tool-form .button.ghost { border: 1px solid var(--navy); color: var(--navy); background: #fff; padding: 13px 18px; cursor: pointer; justify-self: start; }
.tool-form .button.ghost:hover { background: var(--navy); color: #fff; }
.flow-errors { color: var(--red); font-size: 13px; min-height: 1em; margin: 6px 0 0; }
.curve-note { font-size: 13px; color: var(--muted); margin: 12px 0 0; }
.custom-only { display: none !important; }
.show-custom .custom-only { display: grid !important; }
.is-refunding .new-money-only { opacity: .45; }

.tool-results { position: sticky; top: 108px; background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--navy); padding: 24px; display: grid; gap: 16px; min-width: 0; }
/* results taller than the window scroll with the page instead of sticking (no scroll box inside the page) */
.tool-results.is-tall { position: static; }
.tool-results-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin: 0; }
.tool-results-head .eyebrow { margin: 0; }
.tool-results-head small { color: var(--muted); font-size: 12px; }
.tool-empty { color: var(--muted); font-size: 15px; line-height: 1.55; margin: 0; }
.tool-empty a { color: var(--navy); text-decoration: underline; }
.tool-card { border: 1px solid var(--line); padding: 16px 18px; display: grid; gap: 12px; }
.tool-card header { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
.tool-card h3 { font-family: Georgia, serif; font-weight: 400; font-size: 20px; color: var(--navy); margin: 0; }
.tool-sub { border-top: 1px solid var(--line); padding-top: 14px; display: grid; gap: 10px; }
.tool-sub h4 { font-size: 13px; font-weight: 800; color: var(--navy); margin: 0; }
.tool-badge { font-size: 11px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; padding: 5px 9px; white-space: nowrap; }
.tool-badge.meets { background: var(--ok-bg); color: var(--ok); }
.tool-badge.fails { background: #f8e6e5; color: var(--red); }
.tool-badge.check { background: var(--warn-bg); color: var(--warn); }
.tool-badge.unavailable, .tool-badge.incomplete { background: #eef0f3; color: var(--muted); }
.tool-table { width: 100%; border-collapse: collapse; font-size: 14px; font-variant-numeric: tabular-nums; }
.tool-table th { text-align: left; font-size: 11px; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); font-weight: 700; padding: 0 8px 8px 0; border-bottom: 1px solid var(--line); }
.tool-table td { padding: 9px 8px 9px 0; border-bottom: 1px solid #eceef2; vertical-align: top; }
.tool-table td small { display: block; color: var(--muted); font-size: 12px; }
.tool-table td.ok { color: var(--ok); font-weight: 800; }
.tool-table td.no { color: var(--red); font-weight: 800; }
.tool-table td a { color: var(--navy); text-decoration: underline; }
.tool-note { font-size: 14px; line-height: 1.55; color: #374056; margin: 0; }
.tool-cite { font-size: 12px; line-height: 1.5; color: var(--muted); margin: 0; }
.tool-list { list-style: disc; padding-left: 1.2em; font-size: 14px; line-height: 1.5; color: var(--red); }
.tool-kv { display: flex; justify-content: space-between; gap: 16px; font-size: 14px; line-height: 1.4; padding: 8px 0; border-bottom: 1px solid #eceef2; }
.tool-kv span { color: #374056; }
.tool-kv strong { color: var(--navy); font-variant-numeric: tabular-nums; text-align: right; white-space: nowrap; }
.tool-big { padding: 18px 20px; background: var(--cream); border-left: 4px solid var(--navy); display: grid; gap: 4px; }
.tool-big span { font-size: 12px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.tool-big strong { font-family: Georgia, serif; font-weight: 400; font-size: clamp(30px, 4vw, 40px); color: var(--navy); font-variant-numeric: tabular-nums; line-height: 1.1; }
.tool-big.bad { border-left-color: var(--red); }
.tool-big.good { border-left-color: var(--ok); }
.tool-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.tool-pair div { border: 1px solid var(--line); padding: 14px 16px; display: grid; gap: 4px; }
.tool-pair span { font-size: 11px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.tool-pair strong { font-family: Georgia, serif; font-weight: 400; font-size: 24px; color: var(--navy); font-variant-numeric: tabular-nums; }
.tool-details summary { cursor: pointer; font-size: 13px; font-weight: 700; color: var(--navy); }
.tool-details[open] summary { margin-bottom: 10px; }
.tool-results-foot { font-size: 12px; line-height: 1.5; color: var(--muted); margin: 0; border-top: 1px solid var(--line); padding-top: 12px; }
.tool-results-foot a { color: var(--navy); font-weight: 700; text-decoration: underline; }

/* explanation + rules below the calculator */
.tool-notes { width: min(1180px, 90%); margin: 0 auto; padding: 0 0 80px; display: grid; grid-template-columns: minmax(0, 760px); }
.tool-notes .article-body h2:first-child { margin-top: 10px; }
.rule-list { list-style: none !important; padding: 0 !important; display: grid; gap: 0; font-family: Arial, Helvetica, sans-serif; font-size: 15px; line-height: 1.5; }
.rule-list li { border-top: 1px solid var(--line); padding: 14px 0; margin: 0 !important; display: grid; grid-template-columns: 190px minmax(0, 1fr); gap: 18px; }
.rule-list li:last-child { border-bottom: 1px solid var(--line); }
.rule-list li > strong { color: var(--navy); }
.rule-list li a { overflow-wrap: anywhere; }

/* "get real bids" band */
.tool-cta { background: var(--navy); color: #fff; padding: 34px 36px; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 28px; align-items: center; margin: 44px 0 30px; font-family: Arial, Helvetica, sans-serif; }
.tool-cta .eyebrow { color: #e6b8b5; margin: 0 0 10px; }
.tool-cta h2 { font-family: Georgia, serif; font-weight: 400; font-size: clamp(24px, 2.6vw, 32px); line-height: 1.2; margin: 0 0 8px !important; color: #fff !important; }
.tool-cta p:not(.eyebrow) { color: #d5dced; font-size: 15px; line-height: 1.55; margin: 0; }
.article-body .tool-cta a.button { color: var(--navy); text-decoration: none; }

.rates-asof { color: var(--muted); font-size: 12px; }
.rates-table td.num { font-weight: 700; color: var(--navy); }

@media (max-width: 980px) {
  .tool-wrap { grid-template-columns: minmax(0, 1fr); gap: 28px; }
  .tool-results { position: static; }
}
@media (max-width: 600px) {
  .tool-wrap { padding-top: 24px; }
  .tool-form fieldset { padding: 18px 16px 20px; }
  .tool-results { padding: 18px 16px; }
  .tool-cta { grid-template-columns: minmax(0, 1fr); padding: 26px 22px; }
  .rule-list li { grid-template-columns: minmax(0, 1fr); gap: 4px; }
  .tool-pair strong { font-size: 20px; }
  .tool-kv { flex-direction: column; gap: 2px; }
  .tool-kv strong { text-align: left; white-space: normal; }
}
.tool-wrap .ticker-signup { all: unset; box-sizing: border-box; display: inline-flex; align-items: center; padding: 16px 22px; background: var(--navy); color: #fff; font: 800 11px Arial, Helvetica, sans-serif; letter-spacing: .1em; text-transform: uppercase; cursor: pointer; }
.tool-wrap .ticker-signup:hover { background: var(--red); }
.tool-wrap .ticker-signup:focus-visible { outline: 2px solid var(--red); outline-offset: 2px; }

/* ---------- tool hero: copy + preview graphic ---------- */
.interior-hero.tool-hero { min-height: 0; align-items: center; overflow: hidden; background: radial-gradient(circle at 85% 30%, rgba(165,39,34,.22), transparent 42%), linear-gradient(115deg, #00093c, #05205f); }
.interior-hero.tool-hero > .tool-hero-in { width: min(1180px, 90%); margin: 0 auto; padding: 76px 0 72px; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 450px); gap: 56px; align-items: center; }
.tool-hero .eyebrow { display: flex; align-items: center; gap: 12px; }
.tool-hero-icon { display: inline-grid; place-items: center; width: 34px; height: 34px; background: var(--red); color: #fff; }
.tool-hero-icon svg { width: 18px; height: 18px; }
.tool-hero h1 { margin-bottom: 22px; }
.interior-hero .tool-hero-lede { color: #d5dced; max-width: 640px; font-family: Georgia, serif; font-size: 19px; line-height: 1.6; margin: 0; }
.tool-chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; font-family: Arial, Helvetica, sans-serif; }
.tool-chips li { display: inline-flex; align-items: center; gap: 8px; padding: 9px 13px; border: 1px solid rgba(255,255,255,.22); background: rgba(255,255,255,.06); color: #fff; font-size: 12px; font-weight: 700; letter-spacing: .04em; }
.tool-chips li:first-child::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: #3ecf8e; box-shadow: 0 0 0 4px rgba(62,207,142,.18); }
.art-card { margin: 0; background: #fff; border-top: 4px solid var(--red); padding: 10px; box-shadow: 0 30px 70px rgba(0,0,0,.4); }
.art-card svg, .tc-art svg { display: block; width: 100%; height: auto; }
.tool-hero-art.stack { position: relative; height: 380px; }
.tool-hero-art.stack .art-card { position: absolute; width: 74%; }
.tool-hero-art.stack .art-card:nth-child(1) { top: 0; left: 0; transform: rotate(-4deg); opacity: .92; }
.tool-hero-art.stack .art-card:nth-child(2) { top: 36px; right: 0; transform: rotate(3deg); }
.tool-hero-art.stack .art-card:nth-child(3) { top: 128px; left: 12%; z-index: 2; }

/* ---------- app frame around each calculator ---------- */
.tool-app-bar { width: min(1180px, 90%); margin: 36px auto 0; background: var(--navy); color: #fff; display: flex; flex-wrap: wrap; align-items: center; gap: 12px 16px; padding: 14px 20px; font-family: Arial, Helvetica, sans-serif; }
.tool-app-icon { display: grid; place-items: center; width: 34px; height: 34px; background: var(--red); flex: none; }
.tool-app-icon svg { width: 18px; height: 18px; }
.tool-app-bar strong { font-size: 15px; letter-spacing: .01em; }
.tool-live { display: inline-flex; align-items: center; gap: 8px; font-size: 10.5px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: #bfe3cf; }
.tool-live i { width: 8px; height: 8px; border-radius: 50%; background: #3ecf8e; animation: tool-pulse 2s ease-in-out infinite; }
@keyframes tool-pulse { 0%, 100% { box-shadow: 0 0 0 0 rgba(62,207,142,.5); } 50% { box-shadow: 0 0 0 6px rgba(62,207,142,0); } }
@media (prefers-reduced-motion: reduce) { .tool-live i { animation: none; } }
.tool-app-meta { margin-left: auto; font-size: 12px; color: #c8d4f4; }
.tool-wrap.tool-app { padding: 30px; margin-bottom: 64px; background: var(--cream); border: 1px solid var(--line); border-top: 0; }
.tool-app + div, .tool-app ~ .tool-notes { margin-top: 0; }

/* ---------- /tools/ hub ---------- */
.tool-hub { width: min(1180px, 90%); margin: 0 auto; padding: 44px 0 36px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px; font-family: Arial, Helvetica, sans-serif; }
.tool-hub > a { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); overflow: hidden; transition: border-color .15s, box-shadow .2s, transform .2s; }
.tool-hub > a:hover { border-color: var(--navy); box-shadow: 0 18px 40px rgba(0,20,79,.12); transform: translateY(-3px); }
.tc-art { background: linear-gradient(180deg, var(--cream), #efeadf); padding: 26px 30px 0; border-bottom: 1px solid var(--line); }
.tc-art svg { box-shadow: 0 -2px 0 var(--red), 0 12px 30px rgba(0,20,79,.12); transition: transform .25s; }
.tool-hub > a:hover .tc-art svg { transform: translateY(-5px); }
.tc-body { padding: 24px 30px 28px; display: grid; gap: 12px; align-content: start; }
.tc-top { display: flex; align-items: center; gap: 10px; }
.tc-icon { display: grid; place-items: center; width: 32px; height: 32px; background: var(--navy); color: #fff; flex: none; }
.tc-icon svg { width: 17px; height: 17px; }
.tc-eyebrow { font-size: 11px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--red); }
.tc-kind { margin-left: auto; font-size: 10px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--navy); border: 1px solid var(--navy); padding: 4px 8px; }
.tool-hub h2 { font-family: Georgia, serif; font-weight: 400; font-size: 28px; line-height: 1.15; color: var(--navy); margin: 4px 0 0; }
.tool-hub .q { font-family: Georgia, serif; font-size: 17px; line-height: 1.5; color: var(--ink); margin: 0; }
.tool-hub .uses { font-size: 13.5px; line-height: 1.55; color: var(--muted); margin: 0; }
.tool-hub .go { display: inline-flex; justify-self: start; margin-top: 8px; padding: 13px 18px; background: var(--navy); color: #fff; font-size: 11px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; transition: background .15s; }
.tool-hub > a:hover .go { background: var(--red); }
.tool-hub > a.wide { grid-column: 1 / -1; flex-direction: row; }
.tool-hub > a.wide .tc-art { flex: 0 0 46%; padding: 26px 30px; border-bottom: 0; border-right: 1px solid var(--line); }
.tool-hub > a.wide .tc-body { align-content: center; }

@media (max-width: 980px) {
  .interior-hero.tool-hero > .tool-hero-in { grid-template-columns: minmax(0, 1fr); gap: 40px; padding: 64px 0 56px; }
  .tool-hero-art { max-width: 480px; }
  .tool-wrap.tool-app { padding: 22px; }
}
@media (max-width: 760px) {
  .tool-hub { grid-template-columns: minmax(0, 1fr); gap: 22px; }
  .tool-hub > a.wide { flex-direction: column; }
  .tool-hub > a.wide .tc-art { flex: none; border-right: 0; border-bottom: 1px solid var(--line); }
}
@media (max-width: 600px) {
  .interior-hero.tool-hero > .tool-hero-in { padding: 52px 0 44px; }
  .tool-hero-art.stack { display: none; }
  .art-card { padding: 6px; }
  .tool-chips li { font-size: 11px; padding: 8px 10px; }
  .tool-app-bar { margin-top: 24px; padding: 12px 14px; }
  .tool-app-meta { display: none; }
  .tool-wrap.tool-app { padding: 14px; }
  .tc-art { padding: 18px 18px 0; }
  .tool-hub > a.wide .tc-art { padding: 18px; }
  .tc-body { padding: 20px 20px 24px; }
  .tool-hub h2 { font-size: 24px; }
}