/* Homepage financial tools only. Colours inherit the existing site theme. */
.tools-section.ft-premium{--ft-border:rgba(121,100,223,.21);--ft-soft:rgba(121,100,223,.07);padding:clamp(76px,8vw,112px) 0;background:linear-gradient(140deg,var(--white),var(--cream) 48%,var(--cream2))}
.tools-section.ft-premium:before{background:radial-gradient(ellipse at 78% 35%,rgba(121,100,223,.1),transparent 48%),radial-gradient(ellipse at 12% 25%,rgba(36,92,246,.045),transparent 44%)}
.tools-section.ft-premium>.container{position:relative;z-index:1}.tools-section.ft-premium .phil-grid{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(32px,4.4vw,64px);align-items:center}
.tools-section .ft-copy{position:relative;isolation:isolate;min-width:0}.tools-section .ft-heading{position:relative;padding:28px 0 12px;isolation:isolate}.tools-section .ft-heading .eyebrow{position:relative;z-index:1;margin-bottom:21px;color:var(--gold3);letter-spacing:.19em;font-size:.65rem}.tools-section .ft-heading .sec-title{position:relative;z-index:1;font-family:var(--ff-head);font-size:clamp(2rem,3.3vw,2.8rem);font-weight:600;line-height:1.16;letter-spacing:-.035em;margin:0;max-width:13ch;color:var(--charcoal)}.tools-section .ft-heading .gl{position:relative;z-index:1;width:56px;margin:23px 0 0;background:linear-gradient(90deg,var(--crimson),var(--gold))}
.tools-section .ft-market-art{position:absolute;z-index:0;left:-45px;top:-49px;width:calc(100% + 90px);height:330px;overflow:visible;pointer-events:none;opacity:.65}.tools-section .ft-market-grid{stroke:var(--border);stroke-width:.6}.tools-section .ft-trend{fill:none;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.5;opacity:.22}.tools-section .ft-trend-one{stroke:var(--crimson)}.tools-section .ft-trend-two{stroke:var(--gold);opacity:.18}.tools-section .ft-trend-glint{fill:none;stroke:var(--crimson);stroke-width:2;stroke-linecap:round;stroke-dasharray:44 820;opacity:.36;animation:ft-market-flow 19s linear infinite;animation-play-state:paused}.tools-section .ft-market-point{fill:var(--white);stroke:var(--gold);stroke-width:1.3;opacity:.5;transform-box:fill-box;transform-origin:center;animation:ft-point-drift 7s ease-in-out infinite;animation-play-state:paused}.tools-section .ft-market-point:nth-of-type(2){animation-delay:-2s}.tools-section .ft-market-point:nth-of-type(3){animation-delay:-4s}.tools-section.ft-animation-running .ft-trend-glint,.tools-section.ft-animation-running .ft-market-point{animation-play-state:running}.tools-section .ft-copy>.lead{position:relative;font-size:.95rem;line-height:1.85;max-width:410px;margin:10px 0 29px!important;color:var(--mid)}
.tools-section .ft-benefits{display:grid;gap:0;margin:0;max-width:420px}.tools-section .ft-benefit{display:flex;gap:13px;align-items:center;padding:14px 0;border-bottom:1px solid var(--border);font-size:.8rem;line-height:1.65;color:var(--mid)}.tools-section .ft-benefit:last-child{border-bottom:0}.tools-section .ft-benefit-icon{display:grid;place-items:center;flex-shrink:0;width:33px;height:33px;border:1px solid rgba(121,100,223,.15);border-radius:10px;background:linear-gradient(135deg,var(--white),var(--cream3));color:var(--gold3)}.tools-section .ft-benefit:nth-child(2n) .ft-benefit-icon{color:var(--gold)}.tools-section .ft-benefit-icon svg{width:17px;height:17px;stroke-width:1.6}
.tools-section #score-tool{min-width:0;scroll-margin-top:145px}.tools-section .ft-dashboard.tool-wrap{isolation:isolate;background:linear-gradient(152deg,var(--white),var(--white) 66%,var(--cream));border:1px solid var(--ft-border);border-radius:22px;padding:28px;box-shadow:0 22px 64px rgba(38,66,124,.1),0 2px 8px rgba(38,66,124,.04);transition:box-shadow .3s ease,transform .3s ease;overflow:hidden}.tools-section .ft-dashboard:before{inset:0 0 auto;height:3px;width:auto;border-radius:0;opacity:.72;background:var(--theme-gradient)}.tools-section .ft-dashboard:after{content:'';position:absolute;top:-100px;right:-100px;width:310px;height:250px;background:radial-gradient(ellipse,rgba(121,100,223,.07),transparent 68%);pointer-events:none;z-index:0}.tools-section .ft-dashboard:hover{box-shadow:0 28px 72px rgba(38,66,124,.13),0 2px 10px rgba(38,66,124,.04);transform:translateY(-2px)}
.tools-section .ft-dashboard-header{display:flex;align-items:center;justify-content:space-between;gap:15px;padding-bottom:22px;border-bottom:1px solid var(--border)}.tools-section .ft-dashboard-header .ft-dashboard-eyebrow{font-size:.57rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold3);margin-bottom:8px}.tools-section .ft-dashboard-header h3{font:600 clamp(1.13rem,1.65vw,1.45rem)/1.25 var(--ff-head);letter-spacing:-.025em;color:var(--charcoal);margin:0 0 8px}.tools-section .ft-dashboard-header p{font-size:.71rem;line-height:1.5;color:var(--mid);margin:0}.tools-section .ft-dashboard-mark{display:grid;place-items:center;flex-shrink:0;width:43px;height:46px;border:1px solid rgba(121,100,223,.17);border-radius:12px;color:var(--crimson);background:linear-gradient(135deg,var(--white),var(--cream3))}.tools-section .ft-dashboard-mark svg{width:23px;height:23px}
.tools-section .ft-tabs.tool-tabs{grid-template-columns:repeat(4,minmax(0,1fr));gap:7px;margin:22px 0 0;padding:5px;background:var(--cream);border:1px solid var(--border);border-radius:14px}.tools-section .ft-tabs .tool-tab{position:relative;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;min-height:85px;padding:12px 5px;border:1px solid transparent;border-radius:10px;background:transparent;box-shadow:none;color:var(--mid);font:500 .65rem/1.35 var(--ff-body);letter-spacing:0;transition:background .22s,color .22s,box-shadow .22s,transform .22s}.tools-section .ft-tabs .tool-tab svg{width:19px;height:19px;stroke-width:1.6;opacity:.85;flex-shrink:0}.tools-section .ft-tabs .tool-tab>span{max-width:88px;min-height:2.7em;display:grid;align-items:center}.tools-section .ft-tabs .tool-tab:hover{transform:translateY(-1px);border-color:var(--border);background:var(--white);color:var(--crimson);box-shadow:0 4px 10px rgba(38,66,124,.04)}.tools-section .ft-tabs .tool-tab.active{border-color:transparent;background:var(--theme-gradient);color:var(--white);box-shadow:0 5px 12px rgba(36,92,246,.18)}.tools-section .ft-tabs .tool-tab.active:after{content:'';position:absolute;width:13px;height:2px;bottom:6px;border-radius:2px;background:var(--white);opacity:.7}.tools-section .ft-tabs .tool-tab.active svg{opacity:1}.tools-section .ft-tabs .tool-tab:focus-visible{outline:2px solid var(--crimson);outline-offset:3px}
.tools-section .ft-panels{position:relative;min-height:374px}.tools-section .ft-panel-heading{display:flex;align-items:center;gap:9px;margin:25px 0 0;font:600 .82rem/1.5 var(--ff-body);letter-spacing:-.01em;color:var(--charcoal)}.tools-section .ft-panel-heading:before{content:'';width:5px;height:5px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px var(--ft-soft)}.tools-section .tool-panel:not([hidden]){animation:ft-panel-enter .3s ease-out both}.tools-section .ft-dashboard .tool-form{margin-top:20px;gap:17px 14px}.tools-section .ft-dashboard .tf{gap:8px;min-width:0}.tools-section .ft-dashboard .tf label{font:500 .63rem/1.5 var(--ff-body);letter-spacing:.035em;text-transform:none;min-height:1.5em;color:var(--mid)}.tools-section .ft-dashboard .tf input,.tools-section .ft-dashboard .tf select{width:100%;min-height:46px;padding:11px 12px;border:1px solid rgba(121,100,223,.25);border-radius:9px;font:400 .85rem/1.4 var(--ff-body);color:var(--charcoal);background:var(--cream);transition:border-color .2s,box-shadow .2s,background .2s;transform:none;box-shadow:inset 0 1px 2px rgba(38,66,124,.02)}.tools-section .ft-dashboard .tf input:hover{border-color:rgba(121,100,223,.4)}.tools-section .ft-dashboard .tf input::placeholder{color:var(--lt)}.tools-section .ft-dashboard .tf input:focus,.tools-section .ft-dashboard .tf select:focus{border-color:var(--crimson);background:var(--white);outline:2px solid rgba(36,92,246,.15);outline-offset:2px;box-shadow:0 0 0 4px rgba(36,92,246,.045);transform:none}.tools-section .ft-dashboard .tool-btn{margin-top:4px}.tools-section .ft-dashboard .tool-btn .btn{min-height:48px;padding:14px 12px;border-radius:10px;font-size:.67rem;line-height:1.45;letter-spacing:.045em;white-space:normal;box-shadow:0 6px 16px rgba(36,92,246,.15);transition:transform .2s,box-shadow .2s}.tools-section .ft-dashboard .tool-btn .btn:hover{transform:translateY(-2px);box-shadow:0 9px 23px rgba(36,92,246,.2)}.tools-section .ft-dashboard .tool-btn .btn:active{transform:translateY(0)}
.tools-section .ft-dashboard .score-result{margin-top:23px;padding:20px 17px;border-radius:13px;border-color:var(--ft-border);background:linear-gradient(130deg,var(--cream2),var(--cream));box-shadow:none;animation:ft-result-enter .4s ease-out both}.tools-section .ft-dashboard .score-result.ft-result-reveal{animation:ft-result-enter .4s ease-out both}.tools-section .ft-dashboard .score-num{font-family:var(--ff-body);font-size:3rem;font-weight:600;letter-spacing:-.04em;color:var(--crimson)}.tools-section .ft-dashboard .score-label{font-size:.6rem;line-height:1.5;letter-spacing:.08em;color:var(--gold3)}.tools-section .ft-dashboard .score-msg{font-size:.76rem;line-height:1.8;color:var(--mid);margin-top:13px}.tools-section .ft-dashboard #score-result>.btn{font-size:.62rem;letter-spacing:.02em;padding:12px 10px;min-height:44px;border-radius:8px;line-height:1.45}.tools-section .ft-dashboard .sip-metrics{grid-template-columns:1fr;gap:0}.tools-section .ft-dashboard .sip-metric{background:transparent;border:0;border-radius:0;box-shadow:none;display:flex;flex-direction:row;align-items:center;justify-content:space-between;gap:14px;padding:13px 0;border-bottom:1px solid var(--border);text-align:left;transform:none}.tools-section .ft-dashboard .sip-metric:first-child{padding-top:0;align-items:flex-start;flex-direction:column;gap:8px;padding-bottom:17px}.tools-section .ft-dashboard .sip-metric:last-child{border-bottom:0;padding-bottom:0}.tools-section .ft-dashboard .sip-metric:hover{box-shadow:none;transform:none}.tools-section .ft-dashboard .sip-metric span{font:500 .61rem/1.55 var(--ff-body);letter-spacing:.02em;text-transform:none;color:var(--mid)}.tools-section .ft-dashboard .sip-metric strong{font:600 1rem/1.2 var(--ff-body);letter-spacing:-.025em;color:var(--charcoal);overflow-wrap:anywhere}.tools-section .ft-dashboard .sip-metric:first-child strong{font-size:clamp(1.5rem,2.5vw,1.9rem);color:var(--crimson)}.tools-section .ft-dashboard .sip-estimate-note{font-size:.64rem;line-height:1.8;color:var(--mid);text-align:left;padding-top:15px;margin-top:15px;border-top:1px solid var(--border)}
@keyframes ft-market-flow{from{stroke-dashoffset:0}to{stroke-dashoffset:-864}}@keyframes ft-point-drift{0%,100%{transform:translateY(0);opacity:.35}50%{transform:translateY(-3px);opacity:.6}}@keyframes ft-panel-enter{from{opacity:.35;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}@keyframes ft-result-enter{from{opacity:.4;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
@media(max-width:1000px){.tools-section.ft-premium .phil-grid{gap:30px;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}.tools-section .ft-dashboard.tool-wrap{padding:23px}.tools-section .ft-tabs .tool-tab{font-size:.6rem;gap:7px}.tools-section .ft-heading .sec-title{font-size:2.2rem}.tools-section .ft-copy>.lead{font-size:.88rem}.tools-section .ft-benefit{font-size:.74rem}.tools-section .ft-dashboard-header h3{font-size:1.17rem}}
@media(max-width:800px){.tools-section.ft-premium{padding:65px 0}.tools-section.ft-premium .phil-grid{grid-template-columns:minmax(0,1fr);gap:33px;max-width:620px;margin:auto}.tools-section .ft-heading{padding-top:15px}.tools-section .ft-heading .sec-title{font-size:clamp(2.1rem,5.4vw,2.8rem);max-width:15ch}.tools-section .ft-copy>.lead{max-width:520px;font-size:.94rem;margin-bottom:21px!important}.tools-section .ft-benefits{max-width:none;grid-template-columns:1fr 1fr;gap:0 18px}.tools-section .ft-benefit{align-items:flex-start;font-size:.73rem;border-bottom:1px solid var(--border);padding:14px 0}.tools-section .ft-benefit:last-child{border-bottom:1px solid var(--border)}.tools-section .ft-benefit-icon{width:29px;height:29px;border-radius:9px}.tools-section .ft-benefit>span:last-child{padding-top:3px}.tools-section .ft-market-art{left:-30px;top:-45px;width:calc(100% + 60px);height:300px}.tools-section .ft-dashboard.tool-wrap{padding:27px}.tools-section .ft-dashboard-header h3{font-size:1.35rem}.tools-section .ft-tabs .tool-tab{font-size:.7rem;min-height:79px}.tools-section .ft-dashboard .tf label{font-size:.67rem}.tools-section .ft-panels{min-height:390px}}
@media(max-width:480px){.tools-section.ft-premium{padding:49px 0 57px}.tools-section.ft-premium>.container{padding:0 5%}.tools-section .ft-heading .eyebrow{font-size:.6rem;margin-bottom:17px}.tools-section .ft-heading .sec-title{font-size:2.15rem;max-width:none}.tools-section .ft-heading .gl{margin-top:20px}.tools-section .ft-copy>.lead{font-size:.88rem;line-height:1.85;margin-top:8px!important}.tools-section .ft-benefits{grid-template-columns:1fr;gap:0}.tools-section .ft-benefit{padding:11px 0;gap:11px;font-size:.74rem;align-items:center}.tools-section .ft-benefit>span:last-child{padding-top:0}.tools-section .ft-benefit:last-child{border-bottom:0}.tools-section .ft-market-art{top:-25px;height:240px;opacity:.5}.tools-section .ft-market-point:last-child{display:none}.tools-section .ft-dashboard.tool-wrap{padding:23px 18px 19px;border-radius:19px}.tools-section .ft-dashboard-header{padding-bottom:19px;gap:10px}.tools-section .ft-dashboard-header h3{font-size:1.18rem}.tools-section .ft-dashboard-header p{font-size:.66rem}.tools-section .ft-dashboard-mark{width:35px;height:40px;border-radius:10px}.tools-section .ft-tabs.tool-tabs{grid-template-columns:repeat(2,minmax(0,1fr));gap:6px;margin-top:18px}.tools-section .ft-tabs .tool-tab{flex-direction:row;gap:8px;min-height:49px;padding:12px 7px;font-size:.63rem;line-height:1.4}.tools-section .ft-tabs .tool-tab>span{min-height:0;max-width:none}.tools-section .ft-tabs .tool-tab svg{width:17px;height:17px}.tools-section .ft-tabs .tool-tab.active:after{bottom:4px;width:11px}.tools-section .ft-dashboard .tool-form{grid-template-columns:minmax(0,1fr);gap:15px;margin-top:18px}.tools-section .ft-dashboard .tf label{font-size:.68rem;letter-spacing:.015em}.tools-section .ft-dashboard .tf input,.tools-section .ft-dashboard .tf select{min-height:49px;font-size:16px}.tools-section .ft-dashboard .tool-btn{margin-top:3px}.tools-section .ft-dashboard .tool-btn .btn{min-height:49px;font-size:.65rem}.tools-section .ft-panel-heading{margin-top:22px}.tools-section .ft-panels{min-height:500px}.tools-section .ft-dashboard:hover{transform:none}.tools-section .ft-dashboard .score-result{padding:18px 15px}.tools-section .ft-dashboard .sip-metric span{font-size:.63rem}.tools-section .ft-dashboard .sip-estimate-note{font-size:.63rem}}
.tools-section .ft-dashboard:after{top:0;right:0;width:220px;height:170px}
@media(prefers-reduced-motion:reduce){.tools-section .ft-trend-glint,.tools-section .ft-market-point,.tools-section .tool-panel:not([hidden]),.tools-section .score-result,.tools-section .score-result.ft-result-reveal{animation:none!important}.tools-section .ft-dashboard.tool-wrap,.tools-section .tool-tab,.tools-section .tf input,.tools-section .tf select,.tools-section .btn{transition:none!important}.tools-section .ft-dashboard:hover,.tools-section .tool-tab:hover,.tools-section .btn:hover{transform:none!important}.tools-section .rev-l,.tools-section .rev-r,.tools-section .reveal{opacity:1;transform:none;transition:none}}
/* Tools 2.0: scoped upgrades to the existing dashboard. */
.ft-v2.tools-section.ft-premium{padding:80px 0;background:#f7f9ff}.ft-v2.tools-section.ft-premium:before{background:radial-gradient(ellipse at 10% 5%,#eeedff,transparent 45%)}.ft-v2.tools-section>.container{max-width:1360px}.ft-v2.tools-section.ft-premium .phil-grid{grid-template-columns:minmax(0,2fr) minmax(0,3fr);gap:42px;align-items:start}.ft-v2 .ft-copy{position:sticky;top:160px}.ft-v2 .ft-heading .sec-title{font-size:clamp(2.4rem,3.5vw,3.6rem);line-height:1.08;max-width:none}.ft-v2 .ft-heading .sec-title em{color:#4965d6;font-style:normal}.ft-v2 .ft-heading .eyebrow{font-size:.68rem;line-height:1.7;letter-spacing:.13em}.ft-v2 .ft-copy>.lead{font-size:1rem;max-width:360px}.ft-v2 .ft-benefit{font-size:.84rem}.ft-v2 .ft-copy-note{margin:32px 0 10px;border-top:1px solid #dce4f5;padding-top:22px;max-width:350px}.ft-v2 .ft-copy-note>span{font-size:.65rem;letter-spacing:.14em;color:#5d6b9c;font-weight:600}.ft-v2 .ft-copy-note p{font-size:.8rem;line-height:1.8;color:#65738d;margin-top:10px}.ft-v2 .ft-method-link{color:#4263c5;font-size:.8rem;display:inline-flex;align-items:center;min-height:44px;text-underline-offset:4px}.ft-v2 .ft-method-link:hover{text-decoration:underline}.ft-v2.tools-section .ft-dashboard.tool-wrap{background:#fff;border-radius:20px;padding:25px;transform:none!important;box-shadow:0 16px 44px #233e7210;overflow:visible}.ft-v2 .ft-dashboard:before{border-radius:20px 20px 0 0}.ft-v2 .ft-dashboard:after{display:none}.ft-v2 .ft-dashboard-header h3{font-size:1.4rem}.ft-v2 .ft-dashboard-header p{font-size:.77rem}.ft-v2 .ft-tabs.tool-tabs{gap:4px;padding:4px;margin-top:20px}.ft-v2 .ft-tabs .tool-tab{min-height:76px;font-size:.7rem;padding:10px 5px;gap:7px}.ft-v2 .ft-tabs .tool-tab.active{background:#245cf6;box-shadow:0 4px 12px #245cf627}.ft-v2 .ft-tabs .tool-tab>span{min-height:2.4em}.ft-v2 [hidden]{display:none!important}.ft-v2 .ft-panels{min-height:640px}.ft-v2 .tool-panel{outline-offset:6px}.ft-v2 .ft-form-heading{margin-top:24px}.ft-v2 .ft-form-heading h4{font-size:1.08rem;line-height:1.3;font-weight:600;letter-spacing:-.02em;color:#17233b;margin-bottom:8px}.ft-v2 .ft-form-heading p{font-size:.8rem;line-height:1.7;color:#63738d}.ft-v2 .ft-example{margin:15px 0 18px;padding:9px 11px;background:#f4f6ff;border:1px solid #e5eafa;border-radius:7px;font-size:.7rem;color:#63738d;line-height:1.7}.ft-v2 .ft-v2-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 16px;align-items:start}.ft-v2 .ft-field{min-width:0}.ft-v2 .ft-field-wide{grid-column:1/-1}.ft-v2 .ft-field>label{font-size:.75rem;font-weight:500;line-height:1.6;color:#4e6285;display:block;margin-bottom:7px}.ft-v2 .ft-field>label span{font-weight:400;color:#7081a1}.ft-v2 .ft-input-wrap input{width:100%;height:47px;min-width:0;border:1px solid #cad7f3;border-radius:8px;padding:11px 12px;font:400 16px/1.3 var(--ff-body);color:#243e67;background:#fff;transform:none!important;box-shadow:none}.ft-v2 .ft-input-wrap input:focus{outline:2px solid #a7baf4;outline-offset:1px;border-color:#5d81e8}.ft-v2 .ft-input-wrap input[aria-invalid=true]{border-color:#b2384f;background:#fff9fa}.ft-v2 .ft-field small{display:block;font-size:.66rem;line-height:1.7;color:#657795;margin-top:6px}.ft-v2 .ft-field-error{display:block;font-size:.69rem;color:#a32c48;line-height:1.6;margin-top:5px}.ft-v2 .ft-field-error:empty{display:none}.ft-v2 .ft-range,.ft-v2 .ft-chart input[type=range]{display:block;width:100%;min-height:44px;margin:1px 0 -6px;accent-color:#4269e3;cursor:pointer;border:0;padding:0;box-shadow:none;transform:none}.ft-v2 .ft-sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;padding:0;margin:-1px;border:0}.ft-v2 .ft-mode-buttons{display:flex;gap:6px;background:#f0f3ff;border:1px solid #dfe6fa;border-radius:8px;padding:4px;margin-top:22px}.ft-v2 .ft-mode-buttons button{flex:1;background:transparent;border:0;min-height:44px;border-radius:5px;font:500 .8rem var(--ff-body);color:#677595;cursor:pointer}.ft-v2 .ft-mode-buttons button[aria-pressed=true]{background:#fff;box-shadow:0 3px 9px #29478010;color:#315dd2}.ft-v2 .ft-errors{margin-top:20px;font-size:.81rem;line-height:1.7;color:#a32c48;padding:14px;background:#fff3f5;border-radius:8px}.ft-v2 .ft-v2-result{margin-top:24px;padding-top:24px;border-top:1px solid #dce4f5;color:#17233b}.ft-v2 .ft-primary-result{padding:22px;border:1px solid #dce4fa;border-radius:13px;background:#f0f4ff}.ft-v2 .ft-primary-result>span{font-size:.76rem;color:#59719d;display:block}.ft-v2 .ft-primary-result>strong{display:block;font-size:clamp(1.7rem,2.8vw,2.35rem);font-weight:600;letter-spacing:-.035em;line-height:1.25;color:#245cf6;margin:10px 0;overflow-wrap:anywhere}.ft-v2 .ft-primary-result p{font-size:.73rem;line-height:1.75;color:#5e7398;margin:0}.ft-v2 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