/* ================= FINANCIAL TOOLS ================= */
.ft-col{max-width:960px}
.ft-block{margin-top:clamp(46px,5.4vw,84px)}
.ft-lead h2{font-size:clamp(1.5rem,2.3vw,2.1rem);margin-top:16px}
.ft-lead .lead{margin-top:16px;max-width:64ch}

/* three things you can use right now */
.tools3{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(14px,1.6vw,22px);margin-top:clamp(24px,2.8vw,34px)}
.tool-card{border:1px solid var(--line);border-radius:var(--r);padding:clamp(22px,2.4vw,30px);background:#fff;
  display:flex;flex-direction:column;transition:border-color .3s var(--ease),transform .3s var(--ease)}
.tool-card:hover{border-color:var(--line-in);transform:translateY(-3px)}
.tool-card .mono{color:var(--gold-deep)}
.tool-card h3{margin:12px 0 10px;font-size:1.08rem;line-height:1.34}
.tool-card p{color:var(--muted);font-size:.92rem;line-height:1.6;flex:1}
.ft-link{display:inline-flex;align-items:center;gap:8px;margin-top:16px;font-weight:700;font-size:.93rem;
  color:var(--navy);text-decoration:underline;text-underline-offset:4px}

/* the affordability check */
.afc{margin-top:clamp(24px,2.8vw,34px);background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  box-shadow:var(--shadow-lg);display:grid;grid-template-columns:1.15fr .95fr;overflow:hidden}
.afc-l{padding:clamp(26px,2.9vw,38px)}
.afc-r{padding:clamp(26px,2.9vw,38px);background:linear-gradient(160deg,var(--navy-deep),#062E60 70%);color:#fff;
  position:relative;overflow:hidden}
.afc-r::before{content:"";position:absolute;width:320px;height:320px;right:-130px;top:-140px;border-radius:50%;
  background:radial-gradient(circle,rgba(242,176,46,.22),transparent 68%)}
.afc-r > div{position:relative}
.afc-fld{margin-bottom:22px}
.afc-fld:last-child{margin-bottom:0}
.afc-fld label{display:block;font-size:.74rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--muted);margin-bottom:9px}
.afc-in{display:flex;align-items:center;gap:8px;border:1.5px solid var(--line);border-radius:12px;
  padding:11px 15px;transition:border-color .25s var(--ease)}
.afc-in:focus-within{border-color:var(--navy)}
.afc-in span{color:var(--muted);font-weight:600}
.afc-in input{border:0;outline:0;font:600 1.18rem/1 "Plus Jakarta Sans",sans-serif;color:var(--ink);
  width:100%;background:none;letter-spacing:-.01em}
.afc-hint{display:block;margin-top:8px;font-size:.82rem;color:var(--muted)}
.afc-legend{margin-top:26px;border-top:1px solid var(--line)}
.afc-legend > div{display:grid;grid-template-columns:96px 1fr;gap:14px;padding:10px 0;
  border-bottom:1px solid var(--line);font-size:.87rem;color:var(--muted);transition:color .3s var(--ease)}
.afc-legend > div span{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;color:var(--line-in);
  transition:color .3s var(--ease)}
.afc-legend > div{position:relative}
.afc-legend > div.on{color:var(--ink);font-weight:600}
.afc-legend > div.on span{color:var(--navy)}
/* a marker in the gutter — a badge inside the row wraps badly on the two-line entries */
.afc-legend > div.on::before{content:"";position:absolute;left:-14px;top:16px;width:6px;height:6px;
  border-radius:50%;background:var(--gold)}
.afc-hint.bad{color:#8E2C27}
.afc-out-lbl{font-size:.72rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:#9FBEE0}
.afc-num{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:clamp(2.4rem,4.4vw,3.4rem);
  line-height:1;letter-spacing:-.03em;margin:12px 0 4px}
.afc-band{display:inline-block;font-size:.8rem;font-weight:700;padding:5px 12px;border-radius:999px;
  background:rgba(255,255,255,.12);color:#fff;margin-bottom:18px}
.afc-bar{height:9px;border-radius:999px;background:rgba(255,255,255,.15);position:relative;overflow:hidden}
.afc-bar i{position:absolute;left:0;top:0;bottom:0;border-radius:999px;background:var(--gold);
  transition:width .45s var(--ease),background .45s var(--ease)}
.afc-bar i.ok{background:#2FBF92}
.afc-bar i.warn{background:var(--gold)}
.afc-bar i.bad{background:#E8776D}
.afc-band.ok{background:rgba(47,191,146,.20);color:#8FEBCB}
.afc-band.warn{background:rgba(242,176,46,.22);color:#FFD07A}
.afc-band.bad{background:rgba(232,119,109,.22);color:#FFB3AC}
.afc-scale{display:flex;justify-content:space-between;font-size:.72rem;color:#8FB2D8;margin-top:8px}
.afc-say{margin-top:20px;font-size:.92rem;line-height:1.62;color:#C8DBEF}
.afc-note{margin-top:16px;font-size:.79rem;line-height:1.55;color:#8FB2D8}
.afc-r .btn{margin-top:20px;width:100%;justify-content:center}

/* know your rights */
.rights{list-style:none;padding:0;margin:clamp(24px,2.8vw,34px) 0 0;display:grid;grid-template-columns:1fr 1fr;
  gap:clamp(14px,1.8vw,22px)}
.rights li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:clamp(20px,2.2vw,26px)}
.rights b{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:1rem;
  letter-spacing:-.02em;margin-bottom:8px}
.rights p{color:var(--muted);font-size:.92rem;line-height:1.6}
.rights-note{margin-top:18px;font-size:.85rem;color:var(--muted);max-width:70ch}

/* guides */
.guides{display:grid;grid-template-columns:1fr 1fr;gap:clamp(16px,2vw,26px);margin-top:clamp(24px,2.8vw,34px)}
.guide{border:1px solid var(--line);border-radius:var(--r);padding:clamp(24px,2.6vw,32px);background:#fff;
  display:flex;flex-direction:column}
.guide .meta{font-size:.8rem;color:var(--muted);display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.guide .meta i{width:3px;height:3px;border-radius:50%;background:var(--line-in);display:block}
.guide h3{margin:14px 0 12px;font-size:clamp(1.1rem,1.5vw,1.28rem);line-height:1.3}
.guide p{color:var(--muted);font-size:.94rem;line-height:1.62;flex:1}

/* glossary */
.gloss{margin-top:clamp(24px,2.8vw,34px);border-top:1px solid var(--line)}
.gloss div{display:grid;grid-template-columns:230px 1fr;gap:clamp(16px,2.4vw,34px);padding:18px 0;
  border-bottom:1px solid var(--line)}
.gloss dt,.gloss b{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.99rem;letter-spacing:-.02em}
.gloss p{color:var(--muted);font-size:.94rem;line-height:1.6}

.ft-cta{background:var(--navy-deep);color:#DCE7F4;border-radius:var(--r-lg);
  padding:clamp(28px,3.2vw,44px);display:grid;grid-template-columns:1fr auto;gap:clamp(20px,3vw,40px);
  align-items:center;margin-top:clamp(46px,5.4vw,84px)}
.ft-cta h2{color:#fff;font-size:clamp(1.35rem,2vw,1.8rem)}
.ft-cta p{margin-top:12px;font-size:.95rem;color:#B7CEE8;max-width:56ch}
.ft-cta .btn{white-space:nowrap}

@media(max-width:900px){
  .tools3{grid-template-columns:1fr}
  .afc{grid-template-columns:1fr}
  .rights{grid-template-columns:1fr}
  .guides{grid-template-columns:1fr}
  .gloss div{grid-template-columns:1fr;gap:6px}
  .ft-cta{grid-template-columns:1fr}
}