/* Goal-based directory. Calculator inputs remain on their own pages. */
.tool-directory { padding-top: 0; }
.tool-directory > section[id] { scroll-margin-top: 112px; }
.tool-directory .container { max-width: 1120px; }
.tool-hero { padding: 4rem 0 3.5rem; border-bottom: 1px solid var(--gray-200); background: #f7f9fc; }
.tool-eyebrow { margin: 0 0 .75rem; color: var(--primary-dark); font-size: .75rem; font-weight: 700; letter-spacing: .12em; line-height: 1.5; }
.tool-hero h1 { max-width: 820px; margin: 0 0 1.25rem; font-size: clamp(2.25rem, 5vw, 3.75rem); }
.tool-hero__intro { max-width: 670px; margin: 0 0 1.25rem; font-size: 1.125rem; line-height: 1.75; }
.tool-hero__access { margin: 0 0 1.5rem; color: var(--gray-700); font-size: .9rem; }
.tool-jump-links { display: flex; flex-wrap: wrap; gap: .65rem; }
.tool-jump-links a { display: inline-flex; align-items: center; min-height: 44px; padding: .65rem 1rem; border: 1px solid #c9d5e7; border-radius: 6px; background: white; color:var(--brand-link); font-size: .875rem; font-weight: 600; }
.tool-jump-links a:hover { background: #edf3fc; border-color: var(--primary-dark); }
.tool-section { padding: 3.75rem 0; }
.tool-section--tinted { background: var(--gray-50); border-top: 1px solid var(--gray-200); border-bottom: 1px solid var(--gray-200); }
.tool-section__heading { max-width: 700px; margin-bottom: 1.75rem; }
.tool-section__heading h2 { margin: 0 0 .65rem; }
.tool-section__heading p:last-child { margin-bottom: 0; }
.tool-grid { display: grid; gap: 1.25rem; }
.tool-grid--pair { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.tool-grid--related { margin-top: 1.25rem; }
.tool-card { display: flex; flex-direction: column; align-items: flex-start; min-width: 0; padding: 1.75rem; color: var(--gray-800); background: white; border: 1px solid #d8e0eb; border-radius: 10px; transition: border-color .18s, box-shadow .18s; }
.tool-card:hover { color: var(--gray-800); border-color: #8daed9; box-shadow: 0 5px 18px rgba(27, 59, 99, .06); }
.tool-card__icon { display: flex; align-items: center; justify-content: center; width: 46px; height: 46px; margin-bottom: 1.2rem; border-radius: 10px; color: var(--primary-dark); background: #edf3fc; flex-shrink: 0; }
.tool-card__icon svg { width: 27px; height: 27px; }
.tool-card h3 { margin: 0 0 .65rem; font-size: 1.25rem; line-height: 1.4; font-weight: 650; }
.tool-card p { margin: 0 0 1.2rem; font-size: .95rem; line-height: 1.7; }
.tool-card__action { display: inline-flex; gap: .75rem; align-items: center; min-height: 44px; margin-top: auto; color: var(--primary-dark); font-size: .9rem; line-height: 1.5; font-weight: 650; }
.tool-card:hover .tool-card__action { text-decoration: underline; text-underline-offset: 4px; }
.tool-card__eyebrow { display: block; margin-bottom: .4rem; color: var(--primary-dark); font-size: .7rem; letter-spacing: .09em; font-weight: 700; }
.tool-card--featured { display: grid; grid-template-columns: 54px minmax(0, 1fr) auto; gap: 1.25rem; align-items: center; padding: 2rem; border-color: #b8cce8; background: #f0f5fc; }
.tool-card--featured .tool-card__icon { margin: 0; width: 54px; height: 54px; background: white; }
.tool-card--featured p { margin: 0; max-width: 610px; }
.tool-card--featured .tool-card__action { margin: 0; padding: .65rem 1rem; color: white; background: var(--primary-dark); border-radius: 6px; }
.tool-text-links { display: flex; flex-wrap: wrap; gap: .5rem 1rem; margin: 1.5rem 0 0; font-size: .9rem; }
.tool-text-links a { text-decoration: underline; text-underline-offset: 3px; }
.tool-resource-card { display: flex; flex-direction: column; align-items: flex-start; min-width: 0; padding: 1.75rem; border: 1px solid #d8e0eb; border-radius: 10px; background: white; }
.tool-resource-card__tag { margin-bottom: .85rem; font-size: .7rem; font-weight: 700; letter-spacing: .08em; color: var(--gray-500); }
.tool-resource-card h3 { margin: 0 0 .65rem; font-size: 1.25rem; font-weight: 650; line-height: 1.4; }
.tool-resource-card p { margin: 0 0 1rem; font-size: .95rem; line-height: 1.7; }
.tool-resource-card a { display: inline-flex; align-items: center; gap: .7rem; min-height: 44px; margin-top: auto; color:var(--brand-link); font-size: .9rem; font-weight: 650; text-decoration: underline; text-underline-offset: 3px; }
.tool-resource-card--guide { border-top: 3px solid #477bc5; }
.tool-coaching { padding: 3rem 0; }
.tool-coaching__inner { display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.tool-coaching__inner > div { max-width: 630px; }
.tool-coaching h2 { font-size: clamp(1.8rem, 3vw, 2.3rem); }
.tool-coaching p:last-child { margin-bottom: 0; }
.tool-coaching .btn { flex-shrink: 0; text-align: center; }
.calc-disclaimer { padding: 1.75rem 0; background: var(--gray-50); border-top: 1px solid var(--gray-200); }
.calc-disclaimer__content { max-width: 900px; padding-left: 1rem; border-left: 3px solid var(--gray-300); }
.calc-disclaimer h2 { margin: 0 0 .45rem; color: var(--gray-700); font: 600 .9rem/1.5 var(--font-primary); }
.calc-disclaimer p { margin: 0; color: var(--gray-600); font-size: .8rem; line-height: 1.75; }
@media (max-width: 900px) {
  .tool-card--featured { grid-template-columns: 48px minmax(0, 1fr); }
  .tool-card--featured .tool-card__action { grid-column: 2; justify-self: start; }
  .tool-coaching__inner { flex-direction: column; align-items: flex-start; gap: 1.25rem; }
}
@media (max-width: 640px) {
  .tool-hero { padding: 2.5rem 0; }
  .tool-hero h1 br { display: none; }
  .tool-hero__intro { font-size: 1rem; }
  .tool-hero__access { font-size: .82rem; }
  .tool-section { padding: 2.5rem 0; }
  .tool-grid--pair { grid-template-columns: minmax(0, 1fr); }
  .tool-card, .tool-resource-card { padding: 1.4rem; }
  .tool-card--featured { grid-template-columns: 1fr; gap: .75rem; padding: 1.5rem; }
  .tool-card--featured .tool-card__action { grid-column: 1; margin-top: .25rem; }
  .tool-text-links { flex-direction: column; }
  .tool-text-links > span { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  .tool-card { transition: none; }
}

/* Distinct goal sections and a coaching preview give the directory a clear rhythm. */
.tool-directory { color: #172b42; }
.tool-directory .container { max-width: 1160px; }
.tool-hero { position: relative; isolation: isolate; overflow: hidden; border-color: #dfd9cc; background: #f6f1e7; }
.tool-hero::after { content: ''; position: absolute; z-index: -1; width: 460px; height: 460px; top: -245px; right: -90px; border: 72px solid #e3eade; border-radius: 50%; }
.tool-eyebrow { color: #215b50; font-weight: 750; }
.tool-hero h1 { color: #183c36; }
.tool-hero__intro, .tool-hero__access { color: #43564e; }
.tool-hero__access { font-weight: 600; }
.tool-jump-links a { border-color: #c6d2c8; background: #fffdf8; color: #214e44; }
.tool-jump-links a:hover { background: #dce9df; border-color: #52776a; color: #153c32; }
.tool-section--savings { background: #e8f1eb; border-bottom: 1px solid #c7dcd0; }
.tool-section--debt { background: #eaf0f8; border-bottom: 1px solid #cbd7e7; }
.tool-section--decisions { background: #f7f3eb; border-bottom: 1px solid #e1d9ca; }
.tool-section--guides { background: #e7efec; border-bottom: 1px solid #c7d8cf; }
.tool-section__heading { max-width: 720px; padding-left: 1.15rem; border-left: 4px solid #58836a; }
.tool-section__heading h2 { color: #183e36; }
.tool-section__heading p:last-child { color: #455c53; }
.tool-section--debt .tool-section__heading { border-color: #5980af; }
.tool-section--debt .tool-section__heading h2 { color: #203e64; }
.tool-section--debt .tool-eyebrow { color: #365e8a; }
.tool-section--debt .tool-section__heading p:last-child { color: #4a5e75; }
.tool-section--decisions .tool-section__heading { border-color: #aa8150; }
.tool-section--decisions .tool-eyebrow { color: #77552f; }
.tool-section--decisions .tool-section__heading h2 { color: #493b2c; }
.tool-card { border-color: #c3d8ca; border-radius: 12px; box-shadow: 0 3px 0 #214d3920; }
.tool-card:hover { border-color: #668e78; box-shadow: 0 6px 18px #214d3912; }
.tool-card__icon { color: #245b49; background: #e4f0e8; }
.tool-card h3 { color: #183e36; }
.tool-card p { color: #506058; }
.tool-card__action { color: #225f49; font-weight: 700; }
.tool-section--debt .tool-card { border-color: #c6d5e7; box-shadow: 0 3px 0 #294d7b18; }
.tool-section--debt .tool-card:hover { border-color: #6d90b8; }
.tool-section--debt .tool-card__icon { background: #e7eff9; color: #315c8a; }
.tool-section--debt .tool-card h3 { color: #203e64; }
.tool-section--debt .tool-card__action { color: #2d5888; }
.tool-card__eyebrow { color: #c3d6f0; }
.tool-card--featured { background: #203f64; }
.tool-section--debt .tool-card--featured { border-color: #203f64; box-shadow: 0 4px 0 #142c491a; }
.tool-section--debt .tool-card--featured .tool-card__icon { background: #365779; color: #dbe9fa; }
.tool-section--debt .tool-card--featured h3 { color: #fff; }
.tool-card--featured p { color: #dbe6f2; }
.tool-section--debt .tool-card--featured .tool-card__action { color: #1f3d5b; background: #f3f7fc; }
.tool-text-links a { color:var(--brand-link); }
.tool-portal { padding: 4rem 0; background: #183d37; color: #fff; }
.tool-portal__grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.35fr); gap: 3rem; align-items: center; }
.tool-portal .tool-eyebrow { color: #b9d8bc; }
.tool-portal h2 { margin: 0 0 1.2rem; color: #fffaf0; font-size: clamp(1.8rem, 3vw, 2.4rem); line-height: 1.2; }
.tool-portal__copy > p:not(.tool-eyebrow) { color: #d6e3dd; font-size: .96rem; line-height: 1.8; }
.tool-portal__benefits { display: grid; gap: 1rem; margin: 1.5rem 0 1.4rem; padding: 0; list-style: none; }
.tool-portal__benefits li { position: relative; padding-left: 1.3rem; }
.tool-portal__benefits li::before { content: ''; position: absolute; width: 6px; height: 6px; border-radius: 50%; background: #b2c992; left: 0; top: .5rem; }
.tool-portal__benefits strong { display: block; color: #fffaf0; font-size: .9rem; line-height: 1.5; }
.tool-portal__benefits span { display: block; margin-top: .2rem; color: #cbded4; font-size: .85rem; line-height: 1.65; }
.tool-portal__link { display: inline-flex; align-items: center; gap: .7rem; min-height: 44px; color: #f5e7c7; font-size: .9rem; font-weight: 650; text-decoration: underline; text-underline-offset: 5px; }
.tool-portal__link:hover { color: #fff; }
.tool-portal__demo { min-width: 0; margin: 0; background: #102f2a; border: 1px solid #4d6d61; border-radius: 12px; overflow: hidden; box-shadow: 0 20px 38px #08221d44; }
.tool-portal__demo-heading { display: flex; align-items: center; gap: .6rem; padding: .95rem 1rem; color: #d9e7df; font-size: .75rem; font-weight: 600; }
.tool-portal__status { width: 7px; height: 7px; border-radius: 50%; background: #b4cc96; }
.tool-portal__demo video { display: block; width: 100%; height: auto; aspect-ratio: 8 / 5; background: #eaf0f7; }
.tool-portal__demo figcaption { padding: .85rem 1rem 1rem; color: #c6d9cf; font-size: .73rem; line-height: 1.75; }
.tool-portal__demo a { color: #f5e7c7; text-decoration: underline; }
.tool-resource-card { border-color: #ded2c0; border-radius: 12px; background: #fffdf9; }
.tool-resource-card__tag { display: block; color: #785b36; }
.tool-resource-card a { color:var(--brand-link); font-weight: 700; }
.tool-resource-card--guide { display: grid; grid-template-columns: 104px minmax(0, 1fr); gap: 1.4rem; align-items: start; border: 1px solid #c6d8ce; background: #fff; }
.tool-resource-card--guide .tool-resource-card__tag { color: #3a6955; }
.tool-resource-card--guide h3 { color: #214a3b; }
.tool-resource-card--guide a { color:var(--brand-link); }
.tool-guide__cover { display: block; width: 100%; height: auto; border: 1px solid #d3d9ce; box-shadow: 3px 5px 0 #dbe5dd; }
.tool-guide__body { min-width: 0; }
.tool-coaching { background: #f8f4ec; }
.tool-coaching h2 { color: #233e37; }
.tool-coaching .btn { background: var(--brand-action); }
.tool-coaching .btn:hover { background: var(--brand-action-hover); }
.calc-disclaimer { background: #f0eee8; border-color: #dedbd1; }
.calc-disclaimer__content { border-color: #a9afa4; }
.calc-disclaimer h2 { color: #4b574d; }
.calc-disclaimer p { color: #556259; }
.tool-directory :focus-visible { outline: 3px solid #2468a4; outline-offset: 4px; }
.tool-portal :focus-visible { outline-color: #f1d69f; }
@media (max-width: 1000px) {
  .tool-portal__grid { grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: 2rem; }
  .tool-resource-card--guide { grid-template-columns: 80px minmax(0, 1fr); gap: 1.1rem; }
}
@media (max-width: 900px) {
  .tool-portal__grid { grid-template-columns: minmax(0, 1fr); gap: 2rem; }
  .tool-portal__copy { max-width: 680px; }
  .tool-portal__benefits { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 640px) {
  .tool-portal { padding: 2.5rem 0; }
  .tool-portal__benefits { grid-template-columns: minmax(0, 1fr); }
  .tool-resource-card--guide { grid-template-columns: 78px minmax(0, 1fr); gap: 1rem; }
  .tool-resource-card--guide h3 { font-size: 1.15rem; }
  .tool-resource-card--guide p { font-size: .88rem; }
  .tool-resource-card--guide .tool-resource-card__tag { font-size: .63rem; }
}