@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');


    /* ===== GEO ADDITIONS ===== */
    .tool-description {
      font-size: 0.875rem;
      color: var(--text-muted);
      line-height: 1.65;
      margin: 0 0 20px;
      padding: 0 2px;
    }

    /* Definitions section */
    .definitions-section {
      max-width: var(--content-width);
      margin: 0 auto 48px;
      padding: 0 20px;
    }
    .definitions-section h2 {
      font-size: 1.4rem;
      color: var(--text);
      margin-bottom: 24px;
    }
    .definitions-list {
      display: grid;
      gap: 0;
    }
    .definition-item {
      border-bottom: 1px solid var(--border);
      padding: 16px 0;
    }
    .definition-item:first-child { border-top: 1px solid var(--border); }
    .definition-item dt {
      font-size: 0.9rem;
      font-weight: 700;
      color: var(--accent);
      margin-bottom: 6px;
    }
    .definition-item dd {
      font-size: 0.875rem;
      color: var(--text-muted);
      line-height: 1.65;
      margin: 0;
    }

    /* About section */
    .about-section {
      max-width: var(--content-width);
      margin: 0 auto 48px;
      padding: 32px 20px;
      border-top: 1px solid var(--border);
    }
    .about-section h2 {
      font-size: 1.2rem;
      color: var(--text);
      margin-bottom: 14px;
    }
    .about-section p {
      font-size: 0.875rem;
      color: var(--text-muted);
      line-height: 1.7;
      margin-bottom: 10px;
    }
    .about-section p:last-child { margin-bottom: 0; }

    /* ===== GOOGLE FONT ===== */
    @import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');

    /* ===== DESIGN TOKENS ===== */
    :root {
      /* Core backgrounds */
      --bg:           #0a0f1e;
      --surface:      #0d1426;
      --surface-2:    #0f1830;
      --surface-3:    #162038;

      /* Borders */
      --border:       rgba(255,255,255,0.07);
      --border-md:    rgba(255,255,255,0.12);

      /* Text */
      --text:         #e8f0ff;
      --text-muted:   rgba(232,240,255,0.5);
      --text-faint:   rgba(232,240,255,0.3);
      --white:        #ffffff;

      /* Primary accent — electric green */
      --accent:        #00FF87;
      --accent-dim:    rgba(0,255,135,0.08);
      --accent-glow:   rgba(0,255,135,0.18);
      --accent-border: rgba(0,255,135,0.3);

      /* Secondary accent — gold for highlights */
      --gold:         #FFD700;
      --gold-dim:     rgba(255,215,0,0.08);
      --gold-border:  rgba(255,215,0,0.25);

      /* Negative values — muted red */
      --red:          #FF6B6B;
      --red-dim:      rgba(255,107,107,0.08);
      --red-border:   rgba(255,107,107,0.25);

      /* Disclaimers — amber */
      --amber:        #F59E0B;
      --amber-bg:     rgba(245,158,11,0.08);
      --amber-border: rgba(245,158,11,0.2);
      --amber-text:   #FBBF24;

      /* Avatar ring */
      --avatar-ring:  #4a7c59;

      /* Legacy variable names referenced by inline HTML styles */
      --green-50:   rgba(0,255,135,0.06);
      --green-100:  rgba(0,255,135,0.1);
      --green-200:  rgba(0,255,135,0.22);
      --green-300:  rgba(0,255,135,0.4);
      --green-400:  #00cc6d;
      --green-500:  #00FF87;
      --green-600:  #00e07a;
      --green-700:  #00FF87;
      --green-800:  #00e07a;
      --green-900:  #0a1a12;
      --gray-50:    #0f1830;
      --gray-100:   #111e35;
      --gray-200:   rgba(255,255,255,0.07);
      --gray-300:   rgba(255,255,255,0.12);
      --gray-400:   rgba(232,240,255,0.3);
      --gray-500:   rgba(232,240,255,0.5);
      --gray-600:   rgba(232,240,255,0.6);
      --gray-700:   rgba(232,240,255,0.7);
      --gray-800:   #0d1426;
      --gray-900:   #080d1a;
      --gray-950:   #050810;
      --amber-50:   rgba(245,158,11,0.08);
      --amber-100:  rgba(245,158,11,0.12);
      --amber-200:  rgba(245,158,11,0.25);
      --amber-400:  #F59E0B;
      --amber-700:  #FBBF24;
      --amber-800:  #FCD34D;
      --red-50:     rgba(255,107,107,0.08);
      --red-200:    rgba(255,107,107,0.25);
      --red-500:    #FF6B6B;
      --red-600:    #FF6B6B;

      /* Shadows */
      --shadow-xs:  0 1px 4px rgba(0,0,0,0.4);
      --shadow-sm:  0 2px 10px rgba(0,0,0,0.5);
      --shadow-md:  0 4px 24px rgba(0,0,0,0.6);
      --shadow-lg:  0 12px 48px rgba(0,0,0,0.7);

      /* Radii */
      --r-sm:   8px;
      --r-md:   12px;
      --r-lg:   16px;
      --r-xl:   20px;
      --r-full: 9999px;

      /* Typography */
      --font: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

      /* Layout */
      --content-width: 900px;
    }

    /* ===== RESET ===== */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { font-size: 16px; scroll-behavior: smooth; }
    body {
      font-family: var(--font);
      background: var(--bg);
      color: var(--text);
      line-height: 1.6;
      -webkit-font-smoothing: antialiased;
      -moz-osx-font-smoothing: grayscale;
    }
    h1, h2, h3, h4 { line-height: 1.25; font-weight: 700; letter-spacing: -0.02em; }
    a { color: var(--accent); text-decoration: none; }
    a:hover { text-decoration: underline; }
    button { font-family: var(--font); }

    /* ===== HERO ===== */
    .hero {
      background:
        radial-gradient(ellipse 80% 70% at 65% 45%, rgba(0,255,135,0.07) 0%, transparent 55%),
        radial-gradient(ellipse 55% 65% at 15% 75%, rgba(0,80,200,0.05) 0%, transparent 55%),
        var(--bg);
      padding: 64px 20px 72px;
      position: relative;
      overflow: hidden;
    }

    /* Dot grid */
    .hero::before {
      content: '';
      position: absolute;
      inset: 0;
      background-image: radial-gradient(circle, rgba(255,255,255,0.035) 1px, transparent 1px);
      background-size: 32px 32px;
      pointer-events: none;
    }

    /* Subtle line grid */
    .hero::after {
      content: '';
      position: absolute;
      inset: 0;
      background-image:
        linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
      background-size: 96px 96px;
      pointer-events: none;
    }

    .hero-inner {
      max-width: var(--content-width);
      margin: 0 auto;
      display: grid;
      grid-template-columns: 1fr auto;
      gap: 40px;
      align-items: center;
      position: relative;
      z-index: 1;
    }

    .hero-wordmark {
      display: flex;
      align-items: center;
      gap: 10px;
      margin-bottom: 28px;
    }
    .hero-wordmark-text {
      font-size: 0.875rem;
      font-weight: 600;
      color: rgba(255,255,255,0.35);
      letter-spacing: 0.01em;
    }
    .hero-wordmark-dot {
      width: 7px;
      height: 7px;
      border-radius: 50%;
      background: var(--accent);
      display: inline-block;
      box-shadow: 0 0 8px rgba(0,255,135,0.6);
    }

    .hero-eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      background: rgba(0,255,135,0.08);
      border: 1px solid rgba(0,255,135,0.25);
      border-radius: var(--r-full);
      padding: 4px 12px 4px 8px;
      font-size: 0.72rem;
      font-weight: 600;
      color: var(--accent);
      letter-spacing: 0.04em;
      text-transform: uppercase;
      margin-bottom: 20px;
    }
    .hero-eyebrow svg { width: 12px; height: 12px; }

    .hero h1 {
      font-size: clamp(2.6rem, 6vw, 4rem);
      font-weight: 800;
      color: var(--text);
      letter-spacing: -0.04em;
      line-height: 1.05;
      margin-bottom: 20px;
    }
    .hero h1 em {
      font-style: italic;
      color: var(--accent);
    }

    .hero-subtitle {
      font-size: 1.0625rem;
      color: rgba(232,240,255,0.5);
      line-height: 1.7;
      max-width: 480px;
      margin-bottom: 32px;
    }

    .hero-badges {
      display: flex;
      flex-wrap: wrap;
      gap: 8px;
    }
    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 5px;
      padding: 5px 12px;
      border-radius: var(--r-full);
      background: rgba(255,255,255,0.04);
      border: 1px solid rgba(255,255,255,0.09);
      font-size: 0.78rem;
      font-weight: 500;
      color: rgba(232,240,255,0.55);
    }
    .hero-badge svg { width: 12px; height: 12px; color: var(--accent); }

    /* Avatar column */
    .hero-avatar-col {
      display: flex;
      flex-direction: column;
      align-items: center;
      gap: 14px;
      flex-shrink: 0;
    }
    /* Decorative ring halo */
    .hero-avatar-halo {
      position: relative;
      width: 260px;
      height: 260px;
      display: flex;
      align-items: center;
      justify-content: center;
    }
    .hero-avatar-halo::before {
      content: '';
      position: absolute;
      inset: -10px;
      border-radius: 50%;
      border: 1px solid rgba(0,255,135,0.12);
      animation: haloSpin 12s linear infinite;
    }
    .hero-avatar-halo::after {
      content: '';
      position: absolute;
      inset: -22px;
      border-radius: 50%;
      border: 1px dashed rgba(0,255,135,0.07);
      animation: haloSpin 20s linear infinite reverse;
    }
    @keyframes haloSpin {
      from { transform: rotate(0deg); }
      to   { transform: rotate(360deg); }
    }
    .hero-avatar-wrap {
      width: 240px;
      height: 240px;
      border-radius: 50%;
      overflow: hidden;
      border: 3px solid var(--avatar-ring);
      box-shadow:
        0 0 0 8px rgba(74,124,89,0.1),
        0 0 60px rgba(0,255,135,0.18),
        0 8px 40px rgba(0,0,0,0.6);
      background: var(--surface-2);
      flex-shrink: 0;
    }
    .hero-avatar-img {
      width: 100%;
      height: 100%;
      object-fit: cover;
      object-position: 50% 18%;
      display: block;
    }
    .hero-avatar-label {
      font-size: 0.72rem;
      font-weight: 600;
      color: rgba(232,240,255,0.35);
      letter-spacing: 0.08em;
      text-transform: uppercase;
      text-align: center;
      display: flex;
      align-items: center;
      gap: 6px;
    }
    .hero-avatar-label::before,
    .hero-avatar-label::after {
      content: '';
      display: block;
      width: 24px;
      height: 1px;
      background: rgba(0,255,135,0.25);
    }

    /* ===== WELCOME STRIP ===== */
    .welcome-strip {
      background: var(--surface-2);
      border-bottom: 1px solid var(--border);
    }
    .welcome-inner {
      max-width: var(--content-width);
      margin: 0 auto;
      padding: 14px 20px;
      display: flex;
      align-items: center;
      gap: 12px;
      font-size: 0.875rem;
      color: var(--text-muted);
    }
    .welcome-icon {
      width: 28px;
      height: 28px;
      background: var(--accent-dim);
      border: 1px solid var(--accent-border);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      font-size: 0.875rem;
    }
    .welcome-inner strong { font-weight: 600; color: var(--accent); }

    /* ===== DISCLAIMER BANNER ===== */
    .disclaimer-banner {
      background: var(--amber-bg);
      border-bottom: 1px solid var(--amber-border);
    }
    .disclaimer-inner {
      max-width: var(--content-width);
      margin: 0 auto;
      padding: 12px 20px;
      font-size: 0.8125rem;
      color: var(--amber-text);
      display: flex;
      gap: 10px;
      align-items: flex-start;
    }
    .disclaimer-icon {
      width: 18px;
      height: 18px;
      flex-shrink: 0;
      margin-top: 1px;
      color: var(--amber);
    }
    .disclaimer-inner strong { font-weight: 600; color: var(--amber-text); }

    /* ===== STICKY NAV ===== */
    .tool-nav-wrap {
      position: sticky;
      top: 0;
      z-index: 100;
      background: rgba(10,15,30,0.96);
      backdrop-filter: blur(14px);
      -webkit-backdrop-filter: blur(14px);
      border-bottom: 1px solid var(--border);
    }
    .tool-nav {
      max-width: var(--content-width);
      margin: 0 auto;
      display: flex;
      overflow-x: auto;
      -webkit-overflow-scrolling: touch;
      scrollbar-width: none;
      padding: 10px 20px;
      gap: 6px;
    }
    .tool-nav::-webkit-scrollbar { display: none; }
    .tool-tab {
      flex-shrink: 0;
      padding: 7px 16px;
      font-size: 0.8125rem;
      font-weight: 500;
      color: var(--text-muted);
      background: transparent;
      border: 1.5px solid transparent;
      border-radius: var(--r-full);
      cursor: pointer;
      transition: all 0.15s ease;
      white-space: nowrap;
      letter-spacing: 0.01em;
    }
    .tool-tab:hover {
      color: var(--accent);
      background: var(--accent-dim);
      border-color: var(--accent-border);
    }
    .tool-tab.active {
      color: #0a0f1e;
      background: var(--accent);
      border-color: var(--accent);
      font-weight: 700;
      box-shadow: 0 0 12px rgba(0,255,135,0.3);
    }

    /* ===== MAIN CONTENT ===== */
    .main {
      max-width: var(--content-width);
      margin: 0 auto;
      padding: 36px 20px 60px;
    }

    .intro-block { margin-bottom: 32px; }
    .intro-block p {
      font-size: 1rem;
      color: var(--text-muted);
      line-height: 1.75;
      max-width: 640px;
    }

    /* ===== TOOL SECTIONS ===== */
    @keyframes toolFadeIn {
      from { opacity: 0; transform: translateY(10px); }
      to   { opacity: 1; transform: translateY(0); }
    }
    .tool-section { display: none; }
    .tool-section.active {
      display: block;
      animation: toolFadeIn 0.22s ease;
    }

    /* ===== TOOL CARD ===== */
    .tool-card {
      background: var(--surface);
      border: 1px solid var(--border);
      border-radius: var(--r-xl);
      box-shadow: var(--shadow-md);
      overflow: hidden;
      transition: box-shadow 0.2s ease, border-color 0.2s ease;
    }
    .tool-card:hover {
      box-shadow: var(--shadow-md), 0 0 40px rgba(0,255,135,0.05);
      border-color: rgba(0,255,135,0.12);
    }

    .tool-card-header {
      padding: 28px 32px 24px;
      border-bottom: 1px solid var(--border);
      background: var(--surface-2);
    }
    .tool-title-row {
      display: flex;
      align-items: center;
      gap: 14px;
      margin-bottom: 4px;
    }
    .tool-icon-badge {
      width: 40px;
      height: 40px;
      background: rgba(0,255,135,0.08);
      border: 1px solid var(--accent-border);
      border-radius: var(--r-sm);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1.125rem;
      flex-shrink: 0;
      box-shadow: 0 2px 8px rgba(0,255,135,0.1);
    }
    .tool-card-header h2 {
      font-size: 1.25rem;
      color: var(--text);
      letter-spacing: -0.025em;
    }
    .tool-card-body {
      padding: 28px 32px 32px;
    }

    /* ===== TIP BUBBLE ===== */
    .tip-bubble {
      background: var(--surface-2);
      border: 1px solid var(--border);
      border-left: 3px solid var(--accent);
      border-radius: var(--r-md);
      padding: 14px 16px;
      font-size: 0.8125rem;
      color: var(--text-muted);
      margin-bottom: 28px;
      display: flex;
      align-items: flex-start;
      gap: 12px;
      line-height: 1.65;
    }
    .tip-bubble strong {
      font-weight: 600;
      color: var(--accent);
    }
    /* Avatar image inside tip bubbles */
    .tip-bubble-avatar {
      width: 48px;
      height: 48px;
      border-radius: 50%;
      object-fit: cover;
      object-position: 50% 15%;
      border: 2px solid var(--avatar-ring);
      box-shadow: 0 2px 12px rgba(0,0,0,0.45);
      flex-shrink: 0;
      margin-top: 2px;
    }
    /* Hide old icon if still present */
    .tip-bubble-icon { display: none; }

    /* ===== FORM ELEMENTS ===== */
    .form-group { margin-bottom: 20px; }
    .form-group label {
      display: block;
      font-size: 0.8125rem;
      font-weight: 600;
      color: var(--text);
      margin-bottom: 7px;
      letter-spacing: 0.005em;
    }
    .form-group input[type="number"],
    .form-group input[type="text"],
    .form-group select {
      width: 100%;
      padding: 11px 14px;
      border: 1.5px solid var(--border-md);
      border-radius: var(--r-sm);
      font-size: 0.9375rem;
      font-family: var(--font);
      color: var(--text);
      background: var(--bg);
      transition: border-color 0.15s, box-shadow 0.15s;
      -webkit-appearance: none;
    }
    .form-group input:focus,
    .form-group select:focus {
      outline: none;
      border-color: var(--accent);
      box-shadow: 0 0 0 3px var(--accent-dim);
    }
    .input-prefix { position: relative; }
    .input-prefix span {
      position: absolute;
      left: 14px;
      top: 50%;
      transform: translateY(-50%);
      color: var(--text-faint);
      font-weight: 600;
      font-size: 0.9375rem;
      pointer-events: none;
    }
    .input-prefix input { padding-left: 28px !important; }

    /* ===== BUTTONS ===== */
    .btn {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      padding: 10px 18px;
      border-radius: var(--r-sm);
      font-size: 0.875rem;
      font-weight: 600;
      cursor: pointer;
      border: none;
      font-family: var(--font);
      transition: all 0.15s ease;
      letter-spacing: 0.005em;
    }
    .btn:active { transform: scale(0.98); }
    .btn-primary {
      background: var(--accent);
      color: #0a0f1e;
      box-shadow: 0 2px 12px rgba(0,255,135,0.25);
    }
    .btn-primary:hover {
      background: #00e07a;
      box-shadow: 0 2px 18px rgba(0,255,135,0.35);
    }
    .btn-secondary {
      background: var(--accent-dim);
      color: var(--accent);
      border: 1.5px solid var(--accent-border);
    }
    .btn-secondary:hover {
      background: rgba(0,255,135,0.14);
      border-color: rgba(0,255,135,0.45);
    }
    .btn-danger {
      background: var(--red-dim);
      color: var(--red);
      border: 1.5px solid var(--red-border);
      padding: 6px 12px;
      font-size: 0.8rem;
    }
    .btn-danger:hover { background: rgba(255,107,107,0.14); }
    .btn-sm { padding: 7px 13px; font-size: 0.8125rem; }

    /* ===== RESULTS BOX ===== */
    .results-box {
      background: var(--surface-2);
      border: 1px solid var(--border);
      border-radius: var(--r-md);
      padding: 24px;
      margin-top: 28px;
    }
    .results-label {
      font-size: 0.6875rem;
      font-weight: 700;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      color: var(--accent);
      margin-bottom: 16px;
    }
    .result-row {
      display: flex;
      justify-content: space-between;
      align-items: baseline;
      padding: 10px 0;
      border-bottom: 1px solid var(--border);
    }
    .result-row:last-child { border-bottom: none; padding-bottom: 0; }
    .result-row .label {
      font-size: 0.875rem;
      color: var(--text-muted);
    }
    .result-row .value {
      font-size: 0.9375rem;
      font-weight: 700;
      color: var(--text);
      font-variant-numeric: tabular-nums;
    }
    .result-highlight {
      font-size: 1.25rem !important;
      color: var(--gold) !important;
    }
    .result-negative { color: var(--red) !important; }
    .text-green { color: var(--accent); }
    .text-red   { color: var(--red); }

    /* ===== MODE TOGGLE ===== */
    .mode-toggle {
      display: flex;
      gap: 3px;
      background: var(--bg);
      border: 1px solid var(--border);
      border-radius: var(--r-md);
      padding: 3px;
      margin-bottom: 24px;
      width: fit-content;
    }
    .mode-btn {
      padding: 8px 16px;
      border-radius: var(--r-sm);
      border: none;
      background: none;
      font-size: 0.8125rem;
      font-weight: 500;
      color: var(--text-muted);
      cursor: pointer;
      transition: all 0.15s;
    }
    .mode-btn.active {
      background: var(--accent-dim);
      color: var(--accent);
      font-weight: 600;
      border: 1px solid var(--accent-border);
    }

    /* ===== BUDGET TABLE ===== */
    .budget-table {
      width: 100%;
      border-collapse: collapse;
      margin-bottom: 14px;
      font-size: 0.9rem;
    }
    .budget-table th {
      text-align: left;
      padding: 8px 10px;
      background: var(--bg);
      color: var(--text-faint);
      font-size: 0.72rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.06em;
      border-bottom: 1.5px solid var(--border);
    }
    .budget-table td {
      padding: 5px 6px;
      border-bottom: 1px solid var(--border);
      vertical-align: middle;
    }
    .budget-table td input {
      width: 100%;
      padding: 8px 10px;
      border: 1.5px solid var(--border);
      border-radius: 6px;
      font-size: 0.875rem;
      font-family: var(--font);
      background: var(--bg);
      color: var(--text);
      transition: border-color 0.15s;
    }
    .budget-table td input:focus {
      outline: none;
      border-color: var(--accent);
      box-shadow: 0 0 0 3px var(--accent-dim);
    }
    .budget-table .amount-cell { position: relative; }
    .budget-table .amount-cell span {
      position: absolute;
      left: 16px;
      top: 50%;
      transform: translateY(-50%);
      color: var(--text-faint);
      pointer-events: none;
      font-size: 0.875rem;
    }
    .budget-table .amount-cell input { padding-left: 22px; }

    /* ===== SPLIT PERSON ROWS ===== */
    .person-rows { margin-bottom: 14px; }
    .person-row {
      display: flex;
      align-items: center;
      gap: 10px;
      margin-bottom: 8px;
    }
    .person-row label {
      font-size: 0.8125rem;
      font-weight: 600;
      min-width: 72px;
      color: var(--text-muted);
    }
    .person-row input {
      flex: 1;
      padding: 9px 12px;
      border: 1.5px solid var(--border-md);
      border-radius: 6px;
      font-size: 0.9rem;
      font-family: var(--font);
      background: var(--bg);
      color: var(--text);
    }
    .person-row input:focus {
      outline: none;
      border-color: var(--accent);
      box-shadow: 0 0 0 3px var(--accent-dim);
    }

    /* ===== NET WORTH ROWS ===== */
    .nw-section-title {
      font-size: 0.72rem;
      text-transform: uppercase;
      letter-spacing: 0.07em;
      color: var(--text-faint);
      font-weight: 700;
      margin: 22px 0 12px;
      padding-bottom: 8px;
      border-bottom: 1px solid var(--border);
    }
    .nw-row {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
      margin-bottom: 10px;
      align-items: center;
      font-size: 0.9rem;
    }
    .nw-row label { color: var(--text-muted); font-size: 0.8125rem; }
    .nw-row .input-prefix input {
      padding: 9px 10px 9px 22px;
      border: 1.5px solid var(--border-md);
      border-radius: 6px;
      font-family: var(--font);
      font-size: 0.9rem;
      width: 100%;
      background: var(--bg);
      color: var(--text);
    }
    .nw-row .input-prefix input:focus {
      outline: none;
      border-color: var(--accent);
      box-shadow: 0 0 0 3px var(--accent-dim);
    }

    /* ===== INLINE DISCLAIMER ===== */
    .inline-disclaimer {
      font-size: 0.75rem;
      color: var(--amber-text);
      background: var(--amber-bg);
      border: 1px solid var(--amber-border);
      border-radius: var(--r-sm);
      padding: 9px 13px;
      margin-top: 20px;
      display: flex;
      align-items: flex-start;
      gap: 6px;
    }

    /* ===== FAQ SECTION ===== */
    .faq-section {
      margin-top: 64px;
    }
    .faq-header { margin-bottom: 8px; }
    .faq-header-eyebrow {
      font-size: 0.72rem;
      font-weight: 700;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      color: var(--accent);
      margin-bottom: 8px;
    }
    .faq-section h2 {
      font-size: 1.625rem;
      color: var(--text);
      margin-bottom: 6px;
    }
    .faq-section .faq-subtitle {
      font-size: 0.9375rem;
      color: var(--text-muted);
      margin-bottom: 28px;
    }
    .faq-list {
      border: 1px solid var(--border);
      border-radius: var(--r-lg);
      overflow: hidden;
      box-shadow: var(--shadow-sm);
      background: var(--surface);
    }
    .faq-item { border-bottom: 1px solid var(--border); }
    .faq-item:last-child { border-bottom: none; }
    .faq-question {
      width: 100%;
      text-align: left;
      padding: 18px 24px;
      font-size: 0.9375rem;
      font-weight: 600;
      background: none;
      border: none;
      cursor: pointer;
      display: flex;
      justify-content: space-between;
      align-items: center;
      font-family: var(--font);
      color: var(--text);
      gap: 16px;
      transition: background 0.15s;
    }
    .faq-question:hover { background: var(--surface-2); }
    .faq-chevron {
      flex-shrink: 0;
      width: 18px;
      height: 18px;
      color: var(--text-faint);
      transition: transform 0.2s ease;
    }
    .faq-item.open .faq-chevron { transform: rotate(180deg); color: var(--accent); }
    .faq-answer {
      display: none;
      padding: 0 24px 20px;
      font-size: 0.9rem;
      color: var(--text-muted);
      line-height: 1.75;
    }
    .faq-item.open .faq-answer { display: block; }
    .faq-item.open .faq-question { color: var(--accent); }

    /* ===== FOOTER ===== */
    .site-footer {
      background: var(--surface);
      border-top: 1px solid var(--border);
      padding: 20px 20px;
      margin-top: 80px;
    }
    .footer-inner {
      max-width: var(--content-width);
      margin: 0 auto;
      display: flex;
      align-items: center;
      justify-content: space-between;
      flex-wrap: wrap;
      gap: 6px;
    }
    .footer-wordmark {
      font-size: 0.875rem;
      font-weight: 700;
      color: rgba(232,240,255,0.7);
      letter-spacing: -0.01em;
      display: flex;
      align-items: center;
      gap: 6px;
    }
    .footer-wordmark span {
      display: inline-block;
      width: 7px;
      height: 7px;
      background: var(--accent);
      border-radius: 50%;
      box-shadow: 0 0 6px rgba(0,255,135,0.5);
    }
    .footer-nav {
      display: flex;
      gap: 20px;
      flex-wrap: wrap;
    }
    .footer-nav a {
      font-size: 0.78rem;
      color: rgba(232,240,255,0.4);
      text-decoration: none;
    }
    .footer-nav a:hover { color: var(--accent); }
    .site-footer p { font-size: 0.78rem; line-height: 1.6; color: rgba(232,240,255,0.3); width: 100%; margin-top: 4px; }
    .site-footer a { color: rgba(232,240,255,0.4); }

    /* ===== ADSENSE PLACEHOLDER ===== */
    .adsense-placeholder {
      background: var(--surface-2);
      border: 2px dashed var(--border);
      border-radius: var(--r-md);
      padding: 14px;
      text-align: center;
      font-size: 0.75rem;
      color: var(--text-faint);
      margin: 20px 0;
    }

    /* ===== UTILITIES ===== */
    .flex       { display: flex; }
    .gap-2      { gap: 8px; }
    .gap-3      { gap: 12px; }
    .mt-2       { margin-top: 8px; }
    .mt-3       { margin-top: 12px; }
    .mt-4       { margin-top: 16px; }
    .text-muted { color: var(--text-muted); }
    .text-sm    { font-size: 0.8125rem; }
    .text-faint { color: var(--text-faint); }
    .hidden     { display: none !important; }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 680px) {
      .hero-inner {
        grid-template-columns: 1fr;
        justify-items: center;
        text-align: center;
      }
      .hero-content { width: 100%; text-align: left; }
      .hero-avatar-col {
        order: -1;
        margin-bottom: 8px;
      }
      .hero-avatar-halo {
        width: 180px;
        height: 180px;
      }
      .hero-avatar-wrap {
        width: 160px;
        height: 160px;
      }
      .hero h1 { font-size: 2.25rem; }
      .tool-card-header { padding: 20px 20px 18px; }
      .tool-card-body   { padding: 20px 20px 24px; }
      .nw-row { grid-template-columns: 1fr; }
      .budget-table th:first-child,
      .budget-table td:first-child { width: 48%; }
      .faq-question { padding: 16px 18px; font-size: 0.875rem; }
      .faq-answer   { padding: 0 18px 16px; }
      .footer-inner { flex-direction: column; align-items: flex-start; gap: 4px; }
      .footer-nav { gap: 14px; }
    }

  /* ===== TOOL PAGE HEADER ===== */
  .tool-page-header {
    background: rgba(10,15,30,0.96);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border-bottom: 1px solid var(--border);
    padding: 14px 20px;
  }
  .tool-page-header-inner {
    max-width: var(--content-width);
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 14px;
  }
  .tool-page-logo {
    display: flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    flex-shrink: 0;
  }
  .tool-page-logo:hover { text-decoration: none; }
  .tool-page-logo-dot {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--accent);
    box-shadow: 0 0 8px rgba(0,255,135,0.6);
    flex-shrink: 0;
  }
  .tool-page-logo-text {
    font-size: 0.875rem;
    font-weight: 700;
    color: rgba(255,255,255,0.7);
    letter-spacing: -0.01em;
  }
  .tool-page-header-sep {
    color: var(--border-md);
    font-size: 1.2rem;
    font-weight: 300;
  }
  .tool-page-title {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--text-muted);
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
  }

  /* ===== BREADCRUMB ===== */
  .breadcrumb {
    max-width: var(--content-width);
    margin: 0 auto;
    padding: 12px 20px;
    font-size: 0.78rem;
    color: var(--text-faint);
    display: flex;
    align-items: center;
    gap: 6px;
  }
  .breadcrumb a { color: var(--text-faint); text-decoration: none; }
  .breadcrumb a:hover { color: var(--accent); }
  .breadcrumb-sep { color: var(--text-faint); opacity: 0.5; }

  /* ===== TOOL PAGE MAIN ===== */
  .tool-page-main {
    max-width: var(--content-width);
    margin: 0 auto;
    padding: 20px 20px 60px;
  }
  .tool-page-main .tool-section {
    display: block !important;
  }
  .tool-page-h1 {
    font-size: clamp(1.75rem, 4vw, 2.5rem);
    font-weight: 800;
    color: var(--text);
    letter-spacing: -0.03em;
    margin-bottom: 8px;
  }
  .tool-page-subtitle {
    font-size: 0.9375rem;
    color: var(--text-muted);
    margin-bottom: 28px;
    line-height: 1.65;
    max-width: 600px;
  }

  /* ===== RELATED TOOLS ===== */
  .related-tools {
    margin-top: 48px;
    padding-top: 32px;
    border-top: 1px solid var(--border);
  }
  .related-tools h2 {
    font-size: 1.1rem;
    color: var(--text);
    margin-bottom: 16px;
    font-weight: 700;
  }
  .related-tools-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: 10px;
  }
  .related-tool-link {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 16px;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    text-decoration: none;
    color: var(--text-muted);
    font-size: 0.8125rem;
    font-weight: 500;
    transition: all 0.15s ease;
  }
  .related-tool-link:hover {
    border-color: var(--accent-border);
    color: var(--accent);
    background: var(--accent-dim);
    text-decoration: none;
  }
  .related-tool-icon { font-size: 1rem; flex-shrink: 0; }

  /* ===== HUB GRID ===== */
  .hub-main {
    max-width: var(--content-width);
    margin: 0 auto;
    padding: 36px 20px 80px;
  }
  .hub-intro {
    margin-bottom: 40px;
  }
  .hub-intro p {
    font-size: 1rem;
    color: var(--text-muted);
    line-height: 1.75;
    max-width: 640px;
  }
  .hub-section-title {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 16px;
    margin-top: 36px;
  }
  .hub-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 14px;
    margin-bottom: 12px;
  }
  .hub-card {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 18px 20px;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--r-lg);
    text-decoration: none;
    transition: all 0.18s ease;
    box-shadow: var(--shadow-xs);
  }
  .hub-card:hover {
    border-color: var(--accent-border);
    background: var(--surface-2);
    box-shadow: var(--shadow-sm), 0 0 20px rgba(0,255,135,0.05);
    text-decoration: none;
    transform: translateY(-1px);
  }
  .hub-card-icon {
    width: 40px;
    height: 40px;
    background: var(--accent-dim);
    border: 1px solid var(--accent-border);
    border-radius: var(--r-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.125rem;
    flex-shrink: 0;
  }
  .hub-card-body { flex: 1; min-width: 0; }
  .hub-card-title {
    font-size: 0.9375rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 4px;
    line-height: 1.3;
  }
  .hub-card-desc {
    font-size: 0.78rem;
    color: var(--text-faint);
    line-height: 1.5;
  }

  /* ===== TOOL PAGE COMPONENT HELPERS ===== */
  .split-person-row {
    display: flex;
    gap: 8px;
    align-items: center;
    margin-bottom: 8px;
  }
  .debt-comp-row {
    display: flex;
    gap: 6px;
    align-items: center;
    margin-bottom: 8px;
    flex-wrap: wrap;
  }
  .debt-comp-row input { min-width: 0; }
  @media (max-width: 600px) {
    .nw-grid { grid-template-columns: 1fr !important; }
  }

  /* ===== RESPONSIVE TOOL PAGE ===== */
  @media (max-width: 680px) {
    .tool-page-header-sep,
    .tool-page-title { display: none; }
    .hub-grid { grid-template-columns: 1fr 1fr; }
    .related-tools-grid { grid-template-columns: 1fr 1fr; }
    .breadcrumb { font-size: 0.72rem; }
  }
  @media (max-width: 420px) {
    .hub-grid { grid-template-columns: 1fr; }
    .related-tools-grid { grid-template-columns: 1fr; }
  }