/* =========================================================================
   "How Much Insurance Do I Need?" — interactive estate-leakage tool.
   Scoped under #panel-tool so nothing here touches the marketing pages.
   Inherits the site palette (navy / gold / cream) from styles.css.
   ========================================================================= */

#panel-tool .tool-wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 54px 24px 90px; }

/* header */
#panel-tool .tool-head { max-width: 760px; margin: 0 auto 6px; text-align: center; }
#panel-tool .tool-head h1 { font-size: clamp(28px, 4vw, 46px); }
#panel-tool .tool-head h1 .accent { color: var(--gold); font-style: italic; }
#panel-tool .tool-head .lead { color: var(--muted); font-size: clamp(15px, 1.7vw, 19px); margin: 18px auto 0; max-width: 62ch; }
#panel-tool .tool-disc {
  max-width: 720px; margin: 20px auto 0; text-align: center;
  font-size: 12.5px; color: var(--muted); line-height: 1.55;
  background: var(--gold-tint); border: 1px solid var(--line); border-radius: 10px; padding: 12px 18px;
}

/* two-column layout */
#panel-tool .tool-grid {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.06fr);
  gap: 30px; margin-top: 40px; align-items: start;
}
@media (max-width: 940px) { #panel-tool .tool-grid { grid-template-columns: 1fr; gap: 22px; } }

/* cards */
#panel-tool .tool-card {
  background: var(--paper-2); border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow); padding: 26px 24px;
}
#panel-tool .tool-results { position: sticky; top: 86px; }
@media (max-width: 940px) { #panel-tool .tool-results { position: static; } }

/* form groups */
#panel-tool .fgroup { margin-bottom: 24px; }
#panel-tool .fgroup:last-child { margin-bottom: 0; }
#panel-tool .fgroup > .glabel {
  font-size: 11.5px; letter-spacing: .16em; text-transform: uppercase;
  color: var(--gold); font-weight: 700; margin-bottom: 14px; display: block;
}
#panel-tool .frow { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 14px; }
#panel-tool .frow.one { grid-template-columns: 1fr; }
#panel-tool .frow.three { grid-template-columns: 1fr 1fr 1fr; }
#panel-tool .field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
#panel-tool .field > label { font-size: 12.5px; color: var(--ink); font-weight: 600; }
#panel-tool .field .hint { font-size: 11px; color: var(--muted); font-weight: 400; }

#panel-tool input[type="number"],
#panel-tool input[type="text"],
#panel-tool select {
  width: 100%; font-family: var(--sans); font-size: 14.5px; color: var(--ink);
  background: var(--paper); border: 1px solid var(--line); border-radius: 9px;
  padding: 10px 11px; transition: border-color .15s ease, box-shadow .15s ease;
}
#panel-tool input:focus, #panel-tool select:focus {
  outline: none; border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184,146,74,.16);
}
#panel-tool input::placeholder { color: #a7adb8; }

/* segmented choice buttons */
#panel-tool .seg { display: flex; flex-wrap: wrap; gap: 6px; }
#panel-tool .seg button {
  flex: 1 1 auto; min-width: 78px; font-family: var(--sans); font-size: 13px; font-weight: 600;
  color: var(--muted); background: var(--cream); border: 1px solid var(--line);
  border-radius: 8px; padding: 9px 10px; cursor: pointer; transition: all .15s ease;
}
#panel-tool .seg button:hover { color: var(--navy); }
#panel-tool .seg button[aria-pressed="true"] { background: var(--navy); color: #fff; border-color: var(--navy); }

/* US-person warning */
#panel-tool .warn {
  margin-top: 12px; font-size: 12.5px; line-height: 1.5; color: #7a3b28;
  background: #fbeee9; border: 1px solid #ecccc0; border-left: 3px solid var(--bad);
  border-radius: 8px; padding: 10px 13px;
}

/* asset rows */
#panel-tool .asset {
  border: 1px solid var(--line); border-radius: 11px; padding: 14px 14px 12px;
  margin-bottom: 12px; background: var(--paper); position: relative;
}
#panel-tool .asset .arow { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 12px; }
#panel-tool .asset .arow.vals { grid-template-columns: 1.2fr 1.2fr .9fr; margin-top: 10px; }
#panel-tool .asset .amini { font-size: 11px; color: var(--muted); font-weight: 400; }
#panel-tool .asset-x {
  position: absolute; top: 8px; right: 8px; width: 26px; height: 26px; border-radius: 7px;
  border: 1px solid var(--line); background: #fff; color: var(--muted);
  cursor: pointer; font-size: 15px; line-height: 1; display: grid; place-items: center;
}
#panel-tool .asset-x:hover { color: var(--bad); border-color: var(--bad); }
#panel-tool .add-asset {
  width: 100%; font-family: var(--sans); font-size: 13.5px; font-weight: 700; color: var(--navy);
  background: transparent; border: 1.5px dashed var(--gold); border-radius: 10px;
  padding: 11px; cursor: pointer; transition: all .15s ease;
}
#panel-tool .add-asset:hover { background: var(--gold-tint); }
#panel-tool .assets-empty { font-size: 13px; color: var(--muted); text-align: center; padding: 8px 0 14px; }

/* assumptions (collapsible) */
#panel-tool .assum-toggle {
  margin-top: 4px; font-size: 12.5px; font-weight: 600; color: var(--gold);
  background: none; border: none; cursor: pointer; padding: 4px 0; display: inline-flex; align-items: center; gap: 6px;
}
#panel-tool .assum-toggle .cx { transition: transform .2s ease; }
#panel-tool .assum-body { display: none; margin-top: 14px; }
#panel-tool .assum.open .assum-body { display: block; }
#panel-tool .assum.open .assum-toggle .cx { transform: rotate(45deg); }

/* ================= results ================= */
#panel-tool .r-eyebrow {
  font-size: 11.5px; letter-spacing: .18em; text-transform: uppercase;
  color: var(--gold); font-weight: 700; margin-bottom: 10px;
}
#panel-tool .r-empty { color: var(--muted); font-size: 15px; line-height: 1.6; padding: 18px 4px; }

#panel-tool .r-hero { text-align: center; padding: 8px 0 20px; border-bottom: 1px solid var(--line); margin-bottom: 20px; }
#panel-tool .r-hero .r-lbl { font-size: 13px; color: var(--muted); letter-spacing: .02em; }
#panel-tool .r-hero .r-big {
  font-family: var(--serif); font-weight: 600; color: var(--bad);
  font-size: clamp(38px, 6vw, 58px); line-height: 1.05; margin: 6px 0 4px;
}
#panel-tool .r-hero .r-usd { font-size: 13px; color: var(--muted); }

/* breakdown */
#panel-tool .bd-title { font-size: 13px; font-weight: 700; color: var(--navy); margin: 4px 0 14px; letter-spacing: .01em; }
#panel-tool .bd-row { margin-bottom: 13px; }
#panel-tool .bd-row .bd-head { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; margin-bottom: 5px; }
#panel-tool .bd-row .bd-name { font-size: 13.5px; color: var(--ink); }
#panel-tool .bd-row .bd-val { font-size: 13.5px; font-weight: 700; color: var(--navy); font-variant-numeric: tabular-nums; white-space: nowrap; }
#panel-tool .bd-track { height: 8px; border-radius: 5px; background: var(--cream); overflow: hidden; }
#panel-tool .bd-fill { height: 100%; border-radius: 5px; background: linear-gradient(90deg, var(--gold-soft), var(--gold)); transition: width .5s cubic-bezier(.2,.7,.2,1); }
#panel-tool .bd-fill.cg { background: linear-gradient(90deg, #b4452f, #8f3623); }
#panel-tool .bd-fill.rrsp { background: linear-gradient(90deg, #c15b41, #a4432b); }
#panel-tool .bd-fill.prob { background: linear-gradient(90deg, #cf9b57, #b8924a); }
#panel-tool .bd-fill.frn { background: linear-gradient(90deg, #6a7b8c, #4b5a6b); }
#panel-tool .bd-total { display: flex; justify-content: space-between; align-items: baseline; border-top: 1px solid var(--line); padding-top: 12px; margin-top: 4px; }
#panel-tool .bd-total .t-l { font-size: 13.5px; font-weight: 700; color: var(--navy); }
#panel-tool .bd-total .t-v { font-family: var(--serif); font-size: 20px; font-weight: 600; color: var(--bad); }

/* trapped-liquidity callout */
#panel-tool .trapped {
  margin: 20px 0; background: var(--navy); color: #eef1f6; border-radius: 12px; padding: 18px 18px 16px;
  box-shadow: var(--shadow);
}
#panel-tool .trapped .tp-pct { font-family: var(--serif); font-size: 40px; line-height: 1; color: var(--gold-soft); }
#panel-tool .trapped .tp-txt { font-size: 13px; line-height: 1.55; color: #cfd6e2; margin-top: 8px; }
#panel-tool .trapped .tp-bar { height: 8px; border-radius: 5px; background: rgba(255,255,255,.14); overflow: hidden; margin-top: 12px; }
#panel-tool .trapped .tp-fill { height: 100%; background: linear-gradient(90deg, var(--gold), var(--gold-soft)); border-radius: 5px; transition: width .6s ease; }

/* need + premium */
#panel-tool .r-need {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 4px 0 20px;
}
#panel-tool .r-need .cell { background: var(--paper); border: 1px solid var(--line); border-radius: 11px; padding: 14px; }
#panel-tool .r-need .cell .c-l { font-size: 11.5px; color: var(--muted); letter-spacing: .04em; }
#panel-tool .r-need .cell .c-v { font-family: var(--serif); font-size: 24px; color: var(--navy); margin-top: 4px; line-height: 1.1; }
#panel-tool .r-need .cell.gold { background: var(--gold-tint); border-color: #e6d4a8; }
#panel-tool .r-need .cell.gold .c-v { color: var(--gold); }
#panel-tool .r-need .cell .c-sub { font-size: 11px; color: var(--muted); margin-top: 3px; }

#panel-tool .r-lev {
  background: linear-gradient(180deg, #12264460, transparent), var(--cream);
  border: 1px solid var(--line); border-radius: 11px; padding: 14px 16px; margin-bottom: 20px; text-align: center;
}
#panel-tool .r-lev b { color: var(--gold); font-size: 17px; }

/* with / without meter */
#panel-tool .ww-title { font-size: 13px; font-weight: 700; color: var(--navy); margin: 4px 0 12px; }
#panel-tool .ww { margin-bottom: 10px; }
#panel-tool .ww .ww-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 5px; }
#panel-tool .ww .ww-name { font-size: 12.5px; color: var(--muted); }
#panel-tool .ww .ww-val { font-size: 13.5px; font-weight: 700; font-variant-numeric: tabular-nums; }
#panel-tool .ww.bad .ww-val { color: var(--bad); }
#panel-tool .ww.good .ww-val { color: var(--good); }
#panel-tool .ww-track { height: 26px; border-radius: 7px; background: var(--cream); overflow: hidden; }
#panel-tool .ww-fill { height: 100%; border-radius: 7px; transition: width .6s cubic-bezier(.2,.7,.2,1); }
#panel-tool .ww.bad .ww-fill { background: linear-gradient(90deg, #c96a52, #b4452f); }
#panel-tool .ww.good .ww-fill { background: linear-gradient(90deg, #3f9a72, #2E7D5B); }

/* growing-liability note */
#panel-tool .r-future {
  font-size: 12.5px; line-height: 1.6; color: var(--ink);
  background: var(--paper); border: 1px solid var(--line); border-radius: 10px; padding: 13px 15px; margin-bottom: 20px;
}
#panel-tool .r-future b { color: var(--bad); }

/* CTA + method */
#panel-tool .r-cta { text-align: center; margin-top: 8px; }
#panel-tool .r-cta .btn { width: 100%; justify-content: center; }
#panel-tool .r-cta .cta-line { font-size: 12px; color: var(--muted); margin-top: 10px; }
#panel-tool .r-method {
  margin-top: 22px; font-size: 11.5px; line-height: 1.6; color: var(--muted);
  border-top: 1px solid var(--line); padding-top: 16px;
}

/* let the header tab pill breathe with a third (longer) tab */
.tabs { flex-wrap: wrap; }
@media (max-width: 560px) { .tabs .tab { font-size: 12.5px; padding: 8px 12px; } }