/* ============================================
   FINANCIAL CALCULATORS
   Ported from sfsfirm.com/financial-calculators/
   and recolored to the navy + gold site theme.
   Everything is scoped under .sfs-tools.
   ============================================ */

.sfs-tools {
  --navy: #0f2744;
  --blue: #1e4976;
  --blue-soft: #e8eef5;
  --gold: #c9a14a;
  --gold-ink: #8a6d1d;
  --ink: #1a1a1a;
  --muted: #4b5563;
  --line: #e5e5e5;
  --field: #fdfcf9;
  --bg: #faf7f0;
  --shadow: 0 8px 24px rgba(10, 25, 41, 0.10);
  color: var(--ink);
}

.sfs-tools * { box-sizing: border-box; }

.sfs-tools section { padding: clamp(3rem, 6vw, 5rem) 0; }
.sfs-tools .sec.alt { background: var(--bg); }
.sfs-tools .sec-head { max-width: 760px; margin-bottom: 2rem; }
.sfs-tools .sec-head p { font-size: 1.08rem; color: var(--muted); }

.sfs-tools .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 2rem;
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.3s ease;
}
.sfs-tools .btn-navy { background: var(--navy); border-color: var(--navy); color: #fff; }
.sfs-tools .btn-navy:hover { background: #b08a26; border-color: #b08a26; }

/* calculator layout */
.sfs-tools .calc { display: grid; grid-template-columns: 380px 1fr; gap: 1.75rem; align-items: start; }
.sfs-tools .calc-form {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  padding: 1.75rem;
  box-shadow: var(--shadow);
}
.sfs-tools .calc-form label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--muted);
  margin: 0.9rem 0 0.4rem;
}
.sfs-tools .calc-form label:first-of-type { margin-top: 0; }
.sfs-tools .calc-form .field {
  width: 100%;
  font-family: inherit;
  font-size: 1rem;
  padding: 0.7rem 0.85rem;
  border: 1px solid var(--line);
  background: var(--field);
  color: var(--ink);
}
.sfs-tools .calc-form .field:focus { outline: 2px solid var(--gold); outline-offset: 1px; }
.sfs-tools .calc-form .radio-row { display: flex; gap: 8px; }
.sfs-tools .calc-form .radio-row label {
  flex: 1;
  margin: 0;
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--line);
  padding: 0.65rem 0.75rem;
  cursor: pointer;
  font-size: 0.8rem;
  color: var(--ink);
  background: var(--field);
}
.sfs-tools .calc-form .radio-row label:has(input:checked) { border-color: var(--blue); background: var(--blue-soft); }
.sfs-tools .calc-form .radio-row input { accent-color: var(--blue); }

.sfs-tools .calc-results {
  background: #fff;
  border: 1px solid var(--line);
  padding: 1.75rem;
  box-shadow: var(--shadow);
}
.sfs-tools .stat-row { display: flex; gap: 1.75rem; flex-wrap: wrap; margin-bottom: 0.5rem; }
.sfs-tools .stat { min-width: 150px; }
.sfs-tools .stat .v {
  font-family: var(--font-serif);
  font-size: 2.25rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.1;
}
.sfs-tools .stat .l { font-size: 0.8rem; color: var(--muted); margin-top: 4px; }
.sfs-tools .verdict {
  font-size: 0.95rem;
  background: rgba(201, 161, 74, 0.12);
  border: 1px solid #e0c98f;
  color: var(--ink);
  padding: 0.8rem 1rem;
  margin: 0.9rem 0;
}
.sfs-tools .chart-wrap { position: relative; margin-top: 10px; }
.sfs-tools .chart-wrap svg { width: 100%; height: auto; display: block; }
.sfs-tools .chart-tip {
  position: absolute;
  pointer-events: none;
  background: var(--navy);
  color: #fff;
  font-size: 12.5px;
  line-height: 1.4;
  padding: 7px 10px;
  white-space: nowrap;
  transform: translate(-50%, -110%);
  opacity: 0;
  transition: opacity 0.12s;
}
.sfs-tools .finenote { font-size: 0.8rem; color: var(--muted); margin: 0.9rem 0 0; }

/* education cards */
.sfs-tools .g3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.sfs-tools .card {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  padding: 1.75rem;
}
.sfs-tools .card h3 { font-size: 1.35rem; }
.sfs-tools .card p { font-size: 0.97rem; color: var(--muted); margin: 0; }

/* CTA + disclaimer */
.sfs-tools .cta-band {
  background: linear-gradient(135deg, #0a1929 0%, #14365c 100%);
  color: #fff;
  padding: 3rem 2rem;
  text-align: center;
}
.sfs-tools .cta-band h2 { color: #fff; }
.sfs-tools .cta-band p { color: rgba(255, 255, 255, 0.85); max-width: 600px; margin: 0.6rem auto 1.5rem; font-size: 1.05rem; }
.sfs-tools .disc-band {
  background: #fff;
  border: 1px solid var(--line);
  border-left: 3px solid var(--gold);
  padding: 1.25rem 1.5rem;
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.7;
  margin-top: 1.75rem;
}

@media (max-width: 900px) {
  .sfs-tools .calc { grid-template-columns: 1fr; }
  .sfs-tools .g3 { grid-template-columns: 1fr; }
  .sfs-tools .btn { width: 100%; }
}