.tool-shell{padding:42px 0 80px;background:linear-gradient(180deg,#F7FBFF 0,#fff 360px)}
.tool-head{max-width:850px;margin-bottom:28px}.tool-head h1{margin:12px 0;color:var(--color-navy);font-size:clamp(2.2rem,5vw,4rem);line-height:1;letter-spacing:-.055em}.tool-head h1 span{color:var(--color-blue)}.tool-head p{max-width:760px;margin:0;color:var(--color-muted);font-size:1rem;line-height:1.75}
.tool-layout{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.55fr);gap:22px;align-items:start}.panel{border:1px solid var(--color-line);border-radius:20px;background:#fff;box-shadow:0 10px 30px rgba(11,45,107,.055)}.panel-pad{padding:25px}.panel h2{margin:0 0 7px;color:var(--color-navy);font-size:1.25rem}.panel-lead{margin:0 0 20px;color:var(--color-muted);font-size:.88rem;line-height:1.6}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:.78rem;font-weight:800;color:#405671}.field input,.field select,.field textarea{width:100%;border:1px solid #CFE0EE;border-radius:10px;padding:11px 12px;background:#FBFDFF;color:var(--color-ink);font:inherit;outline:none}.field textarea{min-height:92px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--color-sky);box-shadow:0 0 0 3px rgba(49,169,232,.1)}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.results{display:grid;gap:12px}.metric-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:11px}.metric{padding:16px;border:1px solid #DFEAF4;border-radius:14px;background:#FBFDFF}.metric .label{font-size:.7rem;font-weight:800;color:#71849B;text-transform:uppercase;letter-spacing:.06em}.metric .value{margin-top:5px;color:var(--color-navy);font-size:1.35rem;font-weight:900}.metric .note{margin-top:3px;color:#71849B;font-size:.72rem}.insight{padding:15px;border-left:4px solid var(--color-sky);border-radius:10px;background:#F4FAFF;color:#526B86;font-size:.84rem;line-height:1.65}.warning{border-left-color:var(--color-gold);background:#FFF9EB}.positive{border-left-color:#38A169;background:#F1FBF5}.empty{padding:24px;border:1px dashed #C9DCEB;border-radius:14px;color:#71849B;text-align:center;font-size:.85rem;line-height:1.6}.helper-list{margin:0;padding-left:18px;color:var(--color-muted);font-size:.83rem;line-height:1.8}.divider{height:1px;background:#E7EEF5;margin:22px 0}.data-table{width:100%;border-collapse:collapse}.data-table th,.data-table td{padding:10px 8px;border-bottom:1px solid #E7EEF5;text-align:right;font-size:.8rem}.data-table th:first-child,.data-table td:first-child{text-align:left}.data-table th{color:#6C8097;font-size:.68rem;text-transform:uppercase;letter-spacing:.06em}.tool-footnote{margin-top:18px;color:#8192A7;font-size:.72rem;line-height:1.6}
@media(max-width:900px){.tool-layout{grid-template-columns:1fr}}@media(max-width:600px){.form-grid,.metric-grid{grid-template-columns:1fr}.field.full{grid-column:auto}}