:root {
  --tool-navy: #061b33;
  --tool-blue: #0969da;
  --tool-blue-dark: #0758b8;
  --tool-ink: #102a43;
  --tool-muted: #5f7185;
  --tool-line: #dce5ee;
  --tool-soft: #f4f7fa;
  --tool-white: #fff;
  --tool-green: #087f5b;
  --tool-amber: #a15c00;
  --tool-red: #b42318;
  --tool-radius: 22px;
  --tool-shadow: 0 18px 48px rgba(20, 43, 70, .09);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--tool-ink);
  background: var(--tool-soft);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif;
}
button, input, select, textarea { font: inherit; }
a { color: inherit; }
.tool-shell { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.tool-hero {
  position: relative;
  overflow: hidden;
  padding: 104px 0 120px;
  color: #fff;
  background:
    radial-gradient(circle at 15% 20%, rgba(34, 130, 246, .33), transparent 30%),
    radial-gradient(circle at 88% 70%, rgba(30, 97, 178, .35), transparent 28%),
    linear-gradient(135deg, #06172c, #0a294d 68%, #0b3767);
}
.tool-hero::after {
  position: absolute;
  inset: auto 0 0;
  height: 82px;
  content: "";
  background: linear-gradient(transparent, var(--tool-soft));
}
.tool-hero > .tool-shell {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.tool-kicker {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin: 0 0 18px;
  color: #b9d8ff;
  font-size: 12px;
  font-weight: 750;
  letter-spacing: .13em;
}
.tool-kicker::before {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #49d49d;
  content: "";
}
.tool-hero h1 {
  max-width: 820px;
  margin: 0 auto;
  font-size: clamp(38px, 6vw, 68px);
  line-height: 1.08;
  letter-spacing: -.045em;
}
.tool-hero-copy {
  max-width: 760px;
  margin: 24px auto 0;
  color: rgba(235, 245, 255, .78);
  font-size: clamp(16px, 2vw, 20px);
  line-height: 1.85;
}
.tool-hero-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 30px; }
.tool-button {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 19px;
  border: 1px solid transparent;
  border-radius: 12px;
  cursor: pointer;
  font-weight: 750;
  text-decoration: none;
  transition: transform .16s ease, background .16s ease, border-color .16s ease;
}
.tool-button:hover { transform: translateY(-1px); }
.tool-button.primary { color: #fff; background: var(--tool-blue); }
.tool-button.primary:hover { background: var(--tool-blue-dark); }
.tool-button.light { color: var(--tool-ink); background: #fff; }
.tool-button.outline { color: var(--tool-blue); border-color: #b8d3f3; background: #fff; }
.tool-button.ghost { color: #e2efff; border-color: rgba(255,255,255,.25); background: rgba(255,255,255,.07); }
.tool-button.full { width: 100%; }
.tool-button[disabled] { cursor: wait; opacity: .65; transform: none; }
.tool-section { padding: 76px 0; }
.tool-section.compact { padding: 42px 0 72px; }
.tool-audience-section {
  padding: 70px 0 18px;
  background: #fff;
}
.tool-audience-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.tool-audience-card {
  display: flex;
  min-height: 235px;
  flex-direction: column;
  padding: 26px;
  border: 1px solid var(--tool-line);
  border-radius: var(--tool-radius);
  color: inherit;
  background: linear-gradient(145deg, #fff, #f7faff);
  text-decoration: none;
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}
.tool-audience-card:hover {
  border-color: #a9c9ec;
  box-shadow: var(--tool-shadow);
  transform: translateY(-3px);
}
.tool-audience-card > span {
  width: fit-content;
  padding: 6px 10px;
  border-radius: 999px;
  color: var(--tool-blue);
  background: #eaf3ff;
  font-size: 12px;
  font-weight: 800;
}
.tool-audience-card h3 { margin: 20px 0 10px; font-size: 23px; letter-spacing: -.02em; }
.tool-audience-card p { margin: 0; color: var(--tool-muted); font-size: 14px; line-height: 1.8; }
.tool-audience-card strong { margin-top: auto; padding-top: 24px; color: var(--tool-blue); font-size: 14px; }
.tool-section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 30px;
  margin-bottom: 28px;
}
.tool-section-head h2 { margin: 0; font-size: clamp(27px, 4vw, 40px); letter-spacing: -.03em; }
.tool-section-head p { max-width: 600px; margin: 10px 0 0; color: var(--tool-muted); line-height: 1.8; }
.tool-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.tool-card {
  display: flex;
  min-height: 290px;
  flex-direction: column;
  padding: 27px;
  border: 1px solid var(--tool-line);
  border-radius: var(--tool-radius);
  color: inherit;
  background: #fff;
  box-shadow: 0 5px 22px rgba(30, 52, 78, .045);
  text-decoration: none;
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}
.tool-card:hover {
  border-color: #b7cee8;
  box-shadow: var(--tool-shadow);
  transform: translateY(-3px);
}
.tool-card.featured {
  color: #fff;
  border-color: transparent;
  background: linear-gradient(145deg, #0a5fc2, #083f80);
}
.tool-card.featured .tool-card-copy,
.tool-card.featured .tool-card-meta { color: rgba(255,255,255,.74); }
.tool-card.featured .tool-card-link { color: #fff; }
.tool-card-top { display: flex; align-items: center; justify-content: space-between; gap: 14px; }
.tool-number {
  display: grid;
  width: 46px;
  height: 46px;
  place-items: center;
  border-radius: 14px;
  color: var(--tool-blue);
  background: #eaf3ff;
  font-size: 13px;
  font-weight: 800;
}
.tool-card.featured .tool-number { color: #fff; background: rgba(255,255,255,.14); }
.tool-status {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 9px;
  border-radius: 999px;
  color: var(--tool-green);
  background: #e9f8f2;
  font-size: 11px;
  font-weight: 750;
}
.tool-status::before { width: 6px; height: 6px; border-radius: 50%; background: currentColor; content: ""; }
.tool-card.featured .tool-status { color: #b8ffdf; background: rgba(5, 47, 37, .35); }
.tool-card h3 { margin: 20px 0 10px; font-size: 23px; line-height: 1.35; letter-spacing: -.02em; }
.tool-card-copy { margin: 0; color: var(--tool-muted); font-size: 14px; line-height: 1.85; }
.tool-card-meta { margin-top: 15px; color: #8492a1; font-size: 12px; }
.tool-card-link { margin-top: auto; padding-top: 25px; color: var(--tool-blue); font-size: 14px; font-weight: 800; }
.tool-banner {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 30px;
  align-items: center;
  padding: 34px;
  border-radius: 26px;
  color: #fff;
  background: var(--tool-navy);
}
.tool-banner h2 { margin: 0 0 12px; font-size: 28px; }
.tool-banner p { margin: 0; color: #adc2d9; line-height: 1.75; }
.tool-banner-label {
  margin-bottom: 8px !important;
  color: #76b7ff !important;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .08em;
}
.tool-banner-customer { background: linear-gradient(135deg, #0758b8, #063a76); }
.tool-banner-actions { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 10px; }
.tool-banner-actions-stack { align-items: stretch; }
.tool-subtle {
  padding: 24px;
  border: 1px solid var(--tool-line);
  border-radius: 18px;
  color: var(--tool-muted);
  background: rgba(255,255,255,.65);
  line-height: 1.75;
}
.tool-subtle strong { color: var(--tool-ink); }

.tool-page-hero {
  padding: 52px 0 38px;
  border-bottom: 1px solid var(--tool-line);
  background: #fff;
}
.tool-breadcrumb { display: flex; align-items: center; gap: 9px; color: var(--tool-muted); font-size: 13px; }
.tool-breadcrumb a { color: var(--tool-blue); text-decoration: none; }
.tool-page-hero h1 { max-width: 800px; margin: 20px 0 12px; font-size: clamp(32px, 5vw, 48px); letter-spacing: -.04em; }
.tool-page-hero p { max-width: 760px; margin: 0; color: var(--tool-muted); line-height: 1.85; }
.tool-page-meta { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 18px; }
.tool-chip {
  display: inline-flex;
  padding: 6px 10px;
  border-radius: 999px;
  color: #496176;
  background: #eff4f8;
  font-size: 11px;
  font-weight: 700;
}
.tool-workspace { padding: 42px 0 80px; }
.tool-layout { display: grid; grid-template-columns: minmax(0, 1.28fr) minmax(330px, .72fr); gap: 24px; align-items: start; }
.tool-panel {
  padding: 30px;
  border: 1px solid var(--tool-line);
  border-radius: var(--tool-radius);
  background: #fff;
  box-shadow: 0 8px 30px rgba(20, 43, 70, .055);
}
.tool-panel + .tool-panel { margin-top: 20px; }
.tool-panel.sticky { position: sticky; top: 86px; }
.tool-panel h2 { margin: 0 0 8px; font-size: 24px; }
.tool-panel-lead { margin: 0 0 26px; color: var(--tool-muted); font-size: 14px; line-height: 1.75; }
.tool-field { display: block; margin-bottom: 20px; }
.tool-field > span,
.tool-fieldset legend { display: block; margin-bottom: 9px; color: #213c56; font-size: 13px; font-weight: 750; }
.tool-field small { display: block; margin-top: 7px; color: #8190a0; line-height: 1.55; }
.tool-input,
.tool-select,
.tool-textarea {
  width: 100%;
  border: 1px solid #cfdbe7;
  border-radius: 12px;
  color: var(--tool-ink);
  background: #fbfdff;
  outline: none;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.tool-input, .tool-select { min-height: 47px; padding: 10px 13px; }
.tool-textarea { min-height: 110px; padding: 12px 13px; resize: vertical; }
.tool-input:focus, .tool-select:focus, .tool-textarea:focus {
  border-color: #5c9fe7;
  box-shadow: 0 0 0 3px rgba(9, 105, 218, .12);
}
.tool-fieldset { margin: 0 0 22px; padding: 0; border: 0; }
.tool-options { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.tool-option { position: relative; }
.tool-option input { position: absolute; opacity: 0; pointer-events: none; }
.tool-option span {
  display: flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  padding: 10px 12px;
  border: 1px solid #cfdbe7;
  border-radius: 12px;
  color: #496176;
  background: #fff;
  cursor: pointer;
  font-size: 13px;
  font-weight: 700;
  text-align: center;
}
.tool-option input:checked + span {
  color: var(--tool-blue);
  border-color: var(--tool-blue);
  background: #eef6ff;
  box-shadow: inset 0 0 0 1px var(--tool-blue);
}
.tool-option input:focus-visible + span { outline: 3px solid rgba(9,105,218,.22); outline-offset: 2px; }
.tool-options-three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.tool-result-empty { color: var(--tool-muted); font-size: 14px; line-height: 1.8; }
.tool-result-label { color: var(--tool-muted); font-size: 12px; font-weight: 750; letter-spacing: .08em; text-transform: uppercase; }
.tool-result-value { margin: 8px 0 20px; color: var(--tool-blue); font-size: clamp(34px, 5vw, 48px); font-weight: 800; letter-spacing: -.04em; }
.tool-result-title { margin: 10px 0 8px; font-size: 22px; }
.tool-result-copy { margin: 0; color: var(--tool-muted); font-size: 14px; line-height: 1.8; }
.tool-result-list { display: grid; gap: 10px; margin: 22px 0 0; padding: 0; list-style: none; }
.tool-result-list li {
  position: relative;
  padding: 12px 14px 12px 37px;
  border-radius: 12px;
  color: #334e68;
  background: #f3f7fb;
  font-size: 13px;
  line-height: 1.6;
}
.tool-result-list li::before {
  position: absolute;
  top: 13px;
  left: 14px;
  display: grid;
  width: 17px;
  height: 17px;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: var(--tool-blue);
  content: "✓";
  font-size: 10px;
  font-weight: 800;
}
.tool-notice {
  margin-top: 22px;
  padding: 14px 16px;
  border-left: 3px solid #e8a23b;
  border-radius: 8px;
  color: #72501d;
  background: #fff8e8;
  font-size: 12px;
  line-height: 1.7;
}
.tool-alert {
  margin: 0 0 20px;
  padding: 14px 16px;
  border-radius: 12px;
  color: #3d556d;
  background: #eef5fb;
  font-size: 13px;
  line-height: 1.7;
}
.tool-alert.danger { color: #7b2d26; background: #fff0ee; }
.tool-divider { height: 1px; margin: 24px 0; background: var(--tool-line); }
.annuity-metrics { display: grid; gap: 10px; margin-top: 22px; }
.annuity-metrics > div { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 12px 14px; border: 1px solid #e3ebf3; border-radius: 12px; background: #f8fbfe; }
.annuity-metrics span { color: var(--tool-muted); font-size: 12px; }
.annuity-metrics strong { color: var(--tool-ink); font-size: 13px; text-align: right; }
.annuity-saved-head { display: flex; align-items: start; justify-content: space-between; gap: 20px; }
.annuity-saved-head .tool-panel-lead { margin-bottom: 0; }
.annuity-saved-list { display: grid; gap: 10px; margin-top: 22px; }
.annuity-saved-item { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 15px 16px; border: 1px solid var(--tool-line); border-radius: 14px; background: #f8fbfe; }
.annuity-saved-item > div { display: flex; min-width: 0; flex-direction: column; gap: 5px; }
.annuity-saved-item > div:last-child { align-items: flex-end; flex-shrink: 0; }
.annuity-saved-item strong { overflow: hidden; font-size: 14px; text-overflow: ellipsis; white-space: nowrap; }
.annuity-saved-item span { color: var(--tool-muted); font-size: 12px; }
.annuity-saved-item b { color: var(--tool-blue); font-size: 13px; }
.annuity-saved-item button { padding: 0; border: 0; color: #8a99a8; background: none; cursor: pointer; font-size: 11px; }
.annuity-saved-item button:hover { color: var(--tool-red); }
.annuity-policy-list { display: grid; gap: 12px; margin: 20px 0; padding-left: 20px; color: var(--tool-muted); font-size: 13px; line-height: 1.75; }
.annuity-source-links { margin: 0; color: var(--tool-muted); font-size: 12px; line-height: 1.8; }
.annuity-source-links a { color: var(--tool-blue); }
.tool-contact { margin-top: 20px; }
.tool-contact h2 { margin: 0 0 8px; font-size: 22px; }
.tool-contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
.tool-consent {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  margin: 14px 0;
  color: var(--tool-muted);
  font-size: 12px;
  line-height: 1.6;
}
.tool-consent input { margin-top: 3px; }
.tool-consent a { color: var(--tool-blue); }
.tool-form-status { min-height: 21px; margin: 10px 0 0; font-size: 12px; line-height: 1.6; }
.tool-form-status.error { color: var(--tool-red); }
.tool-form-status.success { color: var(--tool-green); }
.tool-honeypot { position: absolute !important; left: -9999px !important; }
.tool-checklist { display: grid; gap: 11px; margin-top: 20px; }
.tool-check-item {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 12px;
  align-items: start;
  padding: 15px;
  border: 1px solid var(--tool-line);
  border-radius: 14px;
  background: #fff;
}
.tool-check-item input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--tool-blue); }
.tool-check-item strong { display: block; margin-bottom: 3px; font-size: 14px; }
.tool-check-item p { margin: 0; color: var(--tool-muted); font-size: 12px; line-height: 1.55; }
.tool-check-item em { color: #8795a5; font-size: 11px; font-style: normal; white-space: nowrap; }
.tool-progress { overflow: hidden; height: 8px; margin-top: 12px; border-radius: 99px; background: #e8eef4; }
.tool-progress span { display: block; width: 0; height: 100%; border-radius: inherit; background: var(--tool-blue); transition: width .2s ease; }
.tool-fee-table { width: 100%; margin-top: 18px; border-collapse: collapse; }
.tool-fee-table th, .tool-fee-table td { padding: 13px 0; border-bottom: 1px solid var(--tool-line); text-align: left; font-size: 13px; }
.tool-fee-table th:last-child, .tool-fee-table td:last-child { text-align: right; }
.tool-fee-table th { color: var(--tool-muted); font-size: 11px; }
.tool-fee-total td { color: var(--tool-blue); font-size: 16px; font-weight: 800; }
.tool-review {
  min-height: calc(100vh - 190px);
  display: grid;
  place-items: center;
  padding: 60px 0;
}
.tool-review-card {
  width: min(720px, 100%);
  padding: 44px;
  border: 1px solid var(--tool-line);
  border-radius: 26px;
  background: #fff;
  box-shadow: var(--tool-shadow);
}
.tool-review-card h1 { margin: 16px 0 12px; font-size: clamp(30px, 5vw, 44px); }
.tool-review-card p { color: var(--tool-muted); line-height: 1.8; }
.tool-footer {
  padding: 30px 0;
  border-top: 1px solid var(--tool-line);
  color: #708294;
  background: #fff;
  font-size: 12px;
}
.tool-footer-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 14px; }
.tool-footer a { color: var(--tool-blue); text-decoration: none; }

@media (max-width: 920px) {
  .tool-audience-grid { grid-template-columns: 1fr; }
  .tool-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .tool-banner { grid-template-columns: 1fr; }
  .tool-banner-actions { justify-content: flex-start; }
  .tool-layout { grid-template-columns: 1fr; }
  .tool-panel.sticky { position: static; }
}
@media (max-width: 640px) {
  .tool-shell { width: min(100% - 28px, 1180px); }
  .tool-hero { padding: 70px 0 88px; }
  .tool-hero-copy { font-size: 16px; }
  .tool-section { padding: 54px 0; }
  .tool-section-head { display: block; }
  .tool-audience-section { padding: 52px 0 8px; }
  .tool-grid { grid-template-columns: 1fr; }
  .tool-card { min-height: 260px; }
  .tool-banner { padding: 26px 22px; }
  .tool-page-hero { padding: 34px 0 28px; }
  .tool-workspace { padding: 24px 0 54px; }
  .tool-panel { padding: 22px 18px; border-radius: 18px; }
  .tool-options, .tool-contact-grid { grid-template-columns: 1fr; }
  .annuity-saved-head, .annuity-saved-item { align-items: stretch; flex-direction: column; }
  .annuity-saved-head .tool-button { width: 100%; }
  .annuity-saved-item > div:last-child { align-items: flex-start; }
  .tool-check-item { grid-template-columns: auto 1fr; }
  .tool-check-item em { grid-column: 2; }
  .tool-review-card { padding: 30px 22px; }
}