/* ═══════════════════════════════════════════════════════════════
   HAUSEIT TOOLS PLUGIN — tools.css  v1.0.0
   Prefix: htool-  (avoids collision with existing .tools-* in theme)
   ═══════════════════════════════════════════════════════════════ */

/* ── Breadcrumb ──────────────────────────────────────────────── */
.htool-breadcrumb {
	background: var(--j-dark, #0e0d0c);
	padding: 0.875rem 0 0;
}
.htool-breadcrumb__list {
	display: flex;
	align-items: center;
	gap: 0.5rem;
	list-style: none;
	margin: 0;
	padding: 0;
	font-family: var(--font-sans);
	font-size: 0.75rem;
	letter-spacing: 0.04em;
}
.htool-breadcrumb__list li { color: rgba(244,239,232,0.4); }
.htool-breadcrumb__list li + li::before { content: '/'; margin-right: 0.5rem; }
.htool-breadcrumb__list a {
	color: rgba(244,239,232,0.55);
	text-decoration: none;
	transition: color 0.18s;
}
.htool-breadcrumb__list a:hover { color: var(--j-gold, #c9a96e); }
.htool-breadcrumb__list li[aria-current] { color: rgba(244,239,232,0.75); }

/* ── Hero ────────────────────────────────────────────────────── */
.htool-hero {
	background: var(--j-dark, #0e0d0c);
	padding: 100px 0 120px;
}
.htool-hero__inner { text-align: left; }

/* Override theme GSAP h-line animation in tool heroes */
.htool-hero .h-line { overflow: visible; display: block; }
.htool-hero .h-line-inner { transform: none !important; opacity: 1 !important; display: block; }

.htool-hero__eyebrow {
	font-family: 'League Spartan', sans-serif;
	font-size: 0.6875rem;
	font-weight: 700;
	letter-spacing: 0.15em;
	text-transform: uppercase;
	color: var(--j-gold, #c9a96e);
	opacity: 0.65;
	margin: 0 0 2.25rem;
	display: block;
}
.htool-hero__heading {
	font-family: var(--font-serif);
	font-size: clamp(2.5rem, 5.5vw, 5rem);
	font-weight: 300;
	font-style: normal;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	line-height: 1.05;
	color: #fff;
	margin: 0 0 1.75rem;
}
.htool-hero__sub {
	font-family: var(--font-sans);
	font-size: 0.9375rem;
	line-height: 1.65;
	color: rgba(255,255,255,0.5);
	max-width: 50ch;
	margin: 0;
}

@media (max-width: 640px) {
	.htool-hero { padding: 72px 0 80px; }
}

/* ── Calculator section ──────────────────────────────────────── */
.htool-calc-section {
	padding: 60px 0 80px;
	background: var(--off-white, #faf9f7);
}
.htool-calc-layout {
	display: grid;
	grid-template-columns: 400px 1fr;
	gap: 60px;
	align-items: start;
}
@media (max-width: 920px) {
	.htool-calc-layout { grid-template-columns: 1fr; gap: 40px; }
}

/* ── Form panel ──────────────────────────────────────────────── */
.htool-calc-form {
	background: #f6f3ef;
	padding: 40px;
	border: 1px solid rgba(0,0,0,0.06);
	border-top: 4px solid var(--j-gold, #c9a96e);
	border-radius: 0;
	position: sticky;
	top: 80px;
}
@media (max-width: 920px) {
	.htool-calc-form { position: static; }
}

.htool-field { margin-bottom: 1.75rem; }

.htool-label {
	display: block;
	font-family: 'League Spartan', sans-serif;
	font-size: 0.6875rem;
	font-weight: 700;
	letter-spacing: 0.09em;
	text-transform: uppercase;
	color: rgba(14,13,12,0.55);
	margin-bottom: 1rem;
}

/* Input with prefix/suffix */
.htool-input-wrap {
	position: relative;
	display: flex;
	align-items: center;
}
.htool-input-wrap--prefix .htool-input { padding-left: 2.25rem; }
.htool-input-wrap--suffix .htool-input { padding-right: 2.5rem; }
.htool-input-prefix,
.htool-input-suffix {
	position: absolute;
	font-family: var(--font-sans);
	font-size: 1rem;
	color: rgba(0,0,0,0.35);
	pointer-events: none;
}
.htool-input-prefix { left: 0.875rem; }
.htool-input-suffix { right: 0.875rem; }

.htool-input {
	width: 100%;
	font-family: var(--font-sans);
	font-size: 1.0625rem;
	color: var(--j-dark, #0e0d0c);
	background: #fff;
	border: 1px solid rgba(0,0,0,0.15);
	border-radius: 0;
	padding: 0.875rem 1rem;
	transition: border-color 0.18s;
	-moz-appearance: textfield;
	-webkit-appearance: none;
	appearance: none;
}
.htool-input::-webkit-inner-spin-button,
.htool-input::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
.htool-input:focus { outline: none; border-color: var(--j-gold, #c9a96e); }
.htool-input::placeholder { color: rgba(0,0,0,0.3); }

/* Pill button radio group */
.htool-pill-group {
	display: flex;
	flex-wrap: wrap;
	gap: 8px;
}

/* Completely hide native radio/checkbox inside pills */
.htool-pill input[type="radio"],
.htool-pill input[type="checkbox"] {
	-webkit-appearance: none;
	appearance: none;
	position: absolute;
	opacity: 0;
	pointer-events: none;
	width: 0;
	height: 0;
	margin: 0;
	padding: 0;
}

.htool-pill {
	display: inline-flex;
	align-items: center;
	position: relative;
	font-family: 'League Spartan', sans-serif;
	font-size: 0.8125rem;
	font-weight: 700;
	letter-spacing: 0.05em;
	text-transform: uppercase;
	color: rgba(14,13,12,0.7);
	background: var(--cream, #f4efe8);
	border: 1px solid rgba(14,13,12,0.2);
	border-radius: 0;
	padding: 14px 22px;
	cursor: pointer;
	transition: background 0.18s, color 0.18s, border-color 0.18s;
	user-select: none;
	line-height: 1;
}
.htool-pill:hover {
	border-color: var(--j-gold, #c9a96e);
	color: var(--j-dark, #0e0d0c);
}
.htool-pill--active,
.htool-pill:has(input:checked) {
	background: var(--j-dark, #0e0d0c);
	border-color: var(--j-dark, #0e0d0c);
	color: var(--cream, #f4efe8);
}

/* Primary CTA button */
.htool-btn {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	font-family: 'League Spartan', sans-serif;
	font-size: 0.8125rem;
	font-weight: 700;
	letter-spacing: 0.1em;
	text-transform: uppercase;
	background: var(--j-dark, #0e0d0c);
	color: var(--cream, #f4efe8);
	border: none;
	border-radius: 0;
	padding: 1.0625rem 2rem;
	cursor: pointer;
	transition: background 0.2s, color 0.2s;
}
.htool-btn:hover { background: var(--j-gold, #c9a96e); color: var(--cream, #f4efe8); }
.htool-btn--full { width: 100%; margin-top: 0.75rem; }
.htool-btn--gold {
	background: var(--j-gold, #c9a96e);
	color: var(--j-dark, #0e0d0c);
}
.htool-btn--gold:hover { background: #b8945a; color: var(--j-dark, #0e0d0c); }

/* ── Results panel ───────────────────────────────────────────── */
.htool-results-panel { animation: htool-fade-in 0.35s ease; }
@keyframes htool-fade-in { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

/* Big result hero */
.htool-result-hero {
	background: var(--j-dark, #0e0d0c);
	padding: 36px;
	margin-bottom: 2px;
}
.htool-result__label {
	font-family: var(--font-sans);
	font-size: 0.75rem;
	font-weight: 600;
	letter-spacing: 0.1em;
	text-transform: uppercase;
	color: rgba(244,239,232,0.45);
	margin: 0 0 0.625rem;
}
.htool-result__total {
	font-family: var(--font-serif);
	font-size: clamp(2.75rem, 6vw, 4.5rem);
	font-weight: 300;
	line-height: 1;
	color: var(--cream, #f4efe8);
	margin: 0 0 1rem;
}
.htool-result__meta {
	display: flex;
	align-items: center;
	gap: 0.75rem;
	flex-wrap: wrap;
}
.htool-result__rate-badge {
	font-family: var(--font-sans);
	font-size: 0.75rem;
	font-weight: 600;
	letter-spacing: 0.06em;
	background: var(--j-gold, #c9a96e);
	color: var(--j-dark, #0e0d0c);
	padding: 0.25rem 0.625rem;
}
.htool-result__region-label {
	font-family: var(--font-sans);
	font-size: 0.8125rem;
	color: rgba(244,239,232,0.4);
}

/* ── Breakdown table ─────────────────────────────────────────── */
.htool-breakdown {
	background: #fff;
	padding: 28px 36px;
	border-bottom: 1px solid rgba(0,0,0,0.06);
	margin-bottom: 2px;
}
.htool-breakdown__title {
	font-family: var(--font-sans);
	font-size: 0.75rem;
	font-weight: 600;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: rgba(0,0,0,0.4);
	margin: 0 0 1.125rem;
}
.htool-breakdown-table {
	width: 100%;
	border-collapse: collapse;
	font-family: var(--font-sans);
	font-size: 0.875rem;
}
.htool-breakdown-table thead th {
	font-size: 0.7rem;
	font-weight: 600;
	letter-spacing: 0.06em;
	text-transform: uppercase;
	color: rgba(0,0,0,0.35);
	text-align: left;
	padding-bottom: 0.625rem;
	border-bottom: 1px solid rgba(0,0,0,0.08);
}
.htool-breakdown-table thead th:last-child,
.htool-breakdown-table td:last-child { text-align: right; }
.htool-breakdown-table tbody tr td {
	padding: 0.5rem 0;
	color: rgba(0,0,0,0.7);
	border-bottom: 1px solid rgba(0,0,0,0.04);
	vertical-align: middle;
}
.htool-breakdown-table tbody tr:last-child td { border-bottom: none; }
.htool-breakdown-table .htool-band-zero { color: rgba(0,0,0,0.35); }
.htool-breakdown-table tfoot td {
	font-weight: 700;
	color: var(--j-dark, #0e0d0c);
	font-size: 0.9375rem;
	padding-top: 0.75rem;
	border-top: 2px solid var(--j-dark, #0e0d0c);
}
.htool-surcharge-note {
	font-family: var(--font-sans);
	font-size: 0.8125rem;
	color: var(--j-gold, #c9a96e);
	margin-top: 0.875rem;
}

/* ── Comparison grid ─────────────────────────────────────────── */
.htool-compare {
	background: #fff;
	padding: 28px 36px;
	margin-bottom: 2px;
}
.htool-compare__title {
	font-family: var(--font-sans);
	font-size: 0.75rem;
	font-weight: 600;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: rgba(0,0,0,0.4);
	margin: 0 0 1rem;
}
.htool-compare-row {
	display: flex;
	justify-content: space-between;
	align-items: center;
	padding: 0.5rem 0;
	border-bottom: 1px solid rgba(0,0,0,0.05);
	font-family: var(--font-sans);
	font-size: 0.875rem;
}
.htool-compare-row:last-child { border-bottom: none; }
.htool-compare-row--active .htool-compare-label { font-weight: 600; color: var(--j-dark, #0e0d0c); }
.htool-compare-label { color: rgba(0,0,0,0.6); }
.htool-compare-val { font-weight: 500; color: var(--j-dark, #0e0d0c); }
.htool-compare-val small { color: rgba(0,0,0,0.4); font-size: 0.75rem; margin-left: 0.375rem; }
.htool-compare-you {
	font-family: var(--font-sans);
	font-size: 0.7rem;
	font-weight: 600;
	letter-spacing: 0.06em;
	text-transform: uppercase;
	background: var(--j-gold, #c9a96e);
	color: var(--j-dark, #0e0d0c);
	padding: 0.15rem 0.5rem;
	margin-left: 0.5rem;
}

/* ── Action buttons (share + PDF) ────────────────────────────── */
.htool-actions {
	background: #fff;
	padding: 20px 36px;
	display: flex;
	gap: 0.75rem;
	flex-wrap: wrap;
	margin-bottom: 2px;
}
.htool-action-btn {
	display: inline-flex;
	align-items: center;
	gap: 0.5rem;
	font-family: var(--font-sans);
	font-size: 0.8rem;
	font-weight: 500;
	letter-spacing: 0.04em;
	color: rgba(0,0,0,0.55);
	background: transparent;
	border: 1px solid rgba(0,0,0,0.15);
	border-radius: 0;
	padding: 0.625rem 1.125rem;
	cursor: pointer;
	transition: color 0.18s, border-color 0.18s;
}
.htool-action-btn:hover { color: var(--j-dark, #0e0d0c); border-color: var(--j-dark, #0e0d0c); }
.htool-action-btn svg { flex-shrink: 0; }
.htool-action-btn--copied { color: #2d7a45 !important; border-color: #2d7a45 !important; }
.htool-action-btn:disabled,
.htool-action-btn[disabled] {
	opacity: 0.35;
	cursor: not-allowed;
	pointer-events: none;
}

/* ── AI narrative section ────────────────────────────────────── */
.htool-ai-section {
	background: #fff;
	padding: 28px 36px 36px;
	border-top: 3px solid var(--j-gold, #c9a96e);
}
.htool-ai-header {
	display: flex;
	align-items: baseline;
	gap: 0.875rem;
	margin-bottom: 1.5rem;
}
.htool-ai-badge {
	font-family: var(--font-sans);
	font-size: 0.7rem;
	font-weight: 700;
	letter-spacing: 0.1em;
	text-transform: uppercase;
	background: var(--j-dark, #0e0d0c);
	color: var(--j-gold, #c9a96e);
	padding: 0.25rem 0.625rem;
}
.htool-ai-header-sub {
	font-family: var(--font-sans);
	font-size: 0.8125rem;
	color: rgba(0,0,0,0.4);
}

/* AI cards */
.htool-ai-card {
	border: 1px solid rgba(0,0,0,0.08);
	padding: 20px 22px;
	margin-bottom: 0.75rem;
}
.htool-ai-card:last-child { margin-bottom: 0; }
.htool-ai-card__eyebrow {
	font-family: var(--font-sans);
	font-size: 0.65rem;
	font-weight: 700;
	letter-spacing: 0.1em;
	text-transform: uppercase;
	color: rgba(0,0,0,0.35);
	margin-bottom: 0.625rem;
}
.htool-ai-card__body {
	font-family: var(--font-sans);
	font-size: 0.9375rem;
	line-height: 1.7;
	color: rgba(0,0,0,0.78);
}

/* Next steps */
.htool-next-steps { list-style: none; margin: 0; padding: 0; }
.htool-next-step {
	display: flex;
	align-items: center;
	justify-content: space-between;
	gap: 1rem;
	padding: 0.75rem 0;
	border-bottom: 1px solid rgba(0,0,0,0.06);
}
.htool-next-step:last-child { border-bottom: none; }
.htool-next-step__text {
	font-family: var(--font-sans);
	font-size: 0.9rem;
	color: rgba(0,0,0,0.75);
	line-height: 1.5;
}
.htool-next-step__cta {
	font-family: var(--font-sans);
	font-size: 0.8rem;
	font-weight: 600;
	letter-spacing: 0.04em;
	white-space: nowrap;
	text-decoration: none;
	color: var(--j-dark, #0e0d0c);
	border-bottom: 1px solid var(--j-gold, #c9a96e);
	padding-bottom: 1px;
	transition: color 0.18s;
}
.htool-next-step__cta:hover { color: var(--j-gold, #c9a96e); }

/* Scenarios */
.htool-scenarios { display: flex; flex-direction: column; gap: 1.25rem; }
.htool-scenario {
	display: flex;
	flex-direction: column;
	gap: 0.25rem;
}
.htool-scenario__delta {
	font-family: var(--font-serif);
	font-size: 1.25rem;
	font-weight: 300;
	line-height: 1.1;
	color: var(--j-dark, #0e0d0c);
}
.htool-scenario__delta--positive { color: #c0392b; }
.htool-scenario__delta--negative { color: #2d7a45; }
.htool-scenario__info {}
.htool-scenario__label {
	font-family: var(--font-sans);
	font-size: 0.75rem;
	font-weight: 600;
	letter-spacing: 0.06em;
	color: rgba(0,0,0,0.45);
	text-transform: uppercase;
	margin-bottom: 0.25rem;
}
.htool-scenario__summary {
	font-family: var(--font-sans);
	font-size: 0.875rem;
	color: rgba(0,0,0,0.7);
	line-height: 1.55;
}

/* Flags */
.htool-flags { display: flex; flex-direction: column; gap: 0.5rem; }
.htool-flag {
	display: flex;
	align-items: flex-start;
	gap: 0.625rem;
	font-family: var(--font-sans);
	font-size: 0.875rem;
	line-height: 1.5;
}
.htool-flag__icon {
	flex-shrink: 0;
	width: 18px;
	height: 18px;
	margin-top: 1px;
}
.htool-flag--warning .htool-flag__icon { color: #c0392b; }
.htool-flag--info    .htool-flag__icon { color: #2563eb; }
.htool-flag--tip     .htool-flag__icon { color: #2d7a45; }
.htool-flag--warning .htool-flag__text { color: rgba(0,0,0,0.75); }
.htool-flag--info    .htool-flag__text { color: rgba(0,0,0,0.75); }
.htool-flag--tip     .htool-flag__text { color: rgba(0,0,0,0.75); }

/* Skeleton loader */
.htool-skeleton {
	display: flex;
	flex-direction: column;
	gap: 0.5rem;
	padding: 20px 22px;
}
.htool-skeleton-line {
	height: 13px;
	background: linear-gradient(90deg, #f0eeeb 0%, #e5e2de 50%, #f0eeeb 100%);
	background-size: 200% 100%;
	animation: htool-shimmer 1.4s infinite;
}
.htool-skeleton-line--short { width: 55%; }
.htool-skeleton-line--med   { width: 78%; }
.htool-skeleton-line--long  { width: 100%; }
@keyframes htool-shimmer {
	0%   { background-position: 200% 0; }
	100% { background-position: -200% 0; }
}

/* ── SEO content section ─────────────────────────────────────── */
.htool-seo-section {
	background: #fff;
	padding: 80px 0;
	border-top: 1px solid rgba(0,0,0,0.06);
}
.htool-seo-inner {
	max-width: 740px;
	margin: 0 auto;
}
.htool-seo-inner h2 {
	font-family: var(--font-serif);
	font-size: clamp(1.625rem, 3vw, 2.25rem);
	font-weight: 300;
	line-height: 1.2;
	color: var(--j-dark, #0e0d0c);
	margin: 2rem 0 0.75rem;
}
.htool-seo-inner h2:first-child { margin-top: 0; }
.htool-seo-inner p {
	font-family: var(--font-sans);
	font-size: 0.9375rem;
	line-height: 1.8;
	color: rgba(0,0,0,0.68);
	margin: 0 0 1.125rem;
}
.htool-seo-inner strong { color: var(--j-dark, #0e0d0c); font-weight: 600; }
.htool-seo-inner ul {
	margin: 0 0 1.125rem 1.25rem;
	padding: 0;
}
.htool-seo-inner ul li {
	font-family: var(--font-sans);
	font-size: 0.9375rem;
	line-height: 1.7;
	color: rgba(0,0,0,0.68);
	margin-bottom: 0.375rem;
}

/* Rate table */
.htool-rate-table {
	width: 100%;
	border-collapse: collapse;
	font-family: var(--font-sans);
	font-size: 0.875rem;
	margin: 1.25rem 0 1.5rem;
}
.htool-rate-table th {
	font-size: 0.7rem;
	font-weight: 600;
	letter-spacing: 0.06em;
	text-transform: uppercase;
	color: rgba(0,0,0,0.4);
	text-align: left;
	padding: 0.5rem 0.75rem;
	border-bottom: 2px solid rgba(0,0,0,0.08);
}
.htool-rate-table td {
	padding: 0.5rem 0.75rem;
	color: rgba(0,0,0,0.7);
	border-bottom: 1px solid rgba(0,0,0,0.05);
}
.htool-rate-table tr:last-child td { border-bottom: none; }
.htool-rate-table td:last-child { text-align: right; }

/* ── FAQ section ─────────────────────────────────────────────── */
.htool-faq-section {
	background: var(--off-white, #faf9f7);
	padding: 80px 0;
}
.htool-faq-section__heading {
	font-family: var(--font-serif);
	font-size: clamp(1.75rem, 3.5vw, 2.75rem);
	font-weight: 300;
	line-height: 1.15;
	color: var(--j-dark, #0e0d0c);
	margin: 0 0 2.5rem;
}
.htool-faq-list { max-width: 740px; }
.htool-faq-item {
	border-bottom: 1px solid rgba(0,0,0,0.1);
}
.htool-faq-item:first-child { border-top: 1px solid rgba(0,0,0,0.1); }
.htool-faq-btn {
	display: flex;
	align-items: center;
	justify-content: space-between;
	width: 100%;
	background: none;
	border: none;
	text-align: left;
	padding: 1.25rem 0;
	cursor: pointer;
	gap: 1rem;
}
.htool-faq-btn__text {
	font-family: var(--font-sans);
	font-size: 0.9375rem;
	font-weight: 500;
	color: var(--j-dark, #0e0d0c);
	line-height: 1.4;
}
.htool-faq-btn__icon {
	flex-shrink: 0;
	width: 18px;
	height: 18px;
	color: rgba(0,0,0,0.35);
	transition: transform 0.22s;
}
.htool-faq-btn[aria-expanded="true"] .htool-faq-btn__icon { transform: rotate(45deg); }
.htool-faq-answer {
	font-family: var(--font-sans);
	font-size: 0.9rem;
	line-height: 1.75;
	color: rgba(0,0,0,0.65);
	padding-bottom: 1.25rem;
	display: none;
}
.htool-faq-answer.is-open { display: block; }

/* ── Cross-tool CTA ──────────────────────────────────────────── */
.htool-next-tool-cta {
	background: var(--j-dark, #0e0d0c);
	padding: 56px 0;
}
.htool-next-tool-cta__inner {
	display: flex;
	align-items: center;
	justify-content: space-between;
	gap: 2rem;
	flex-wrap: wrap;
}
.htool-next-tool-cta__label {
	font-family: var(--font-sans);
	font-size: 0.75rem;
	font-weight: 600;
	letter-spacing: 0.1em;
	text-transform: uppercase;
	color: rgba(244,239,232,0.4);
	margin-bottom: 0.5rem;
}
.htool-next-tool-cta__heading {
	font-family: var(--font-serif);
	font-size: clamp(1.5rem, 3vw, 2.125rem);
	font-weight: 300;
	color: var(--cream, #f4efe8);
	margin: 0;
}
.htool-next-tool-cta__link {
	flex-shrink: 0;
	font-family: var(--font-sans);
	font-size: 0.8125rem;
	font-weight: 600;
	letter-spacing: 0.06em;
	text-transform: uppercase;
	text-decoration: none;
	background: var(--j-gold, #c9a96e);
	color: var(--j-dark, #0e0d0c);
	padding: 1rem 2rem;
	transition: background 0.2s;
	white-space: nowrap;
}
.htool-next-tool-cta__link:hover { background: #b8945a; color: var(--j-dark, #0e0d0c); }

/* ── Hub page ────────────────────────────────────────────────── */
.htool-hub-section {
	padding: 72px 0 96px;
	background: #fff;
}
.htool-hub-grid {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 2px;
}
@media (max-width: 900px) { .htool-hub-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .htool-hub-grid { grid-template-columns: 1fr; } }

.htool-card {
	background: var(--off-white, #faf9f7);
	padding: 36px;
	text-decoration: none;
	display: flex;
	flex-direction: column;
	transition: background 0.2s;
	border-bottom: 3px solid transparent;
}
.htool-card:hover { background: #f2efe9; border-bottom-color: var(--j-gold, #c9a96e); }
.htool-card__icon {
	width: 40px;
	height: 40px;
	margin-bottom: 1.25rem;
	color: var(--j-gold, #c9a96e);
}
.htool-card__num {
	font-family: var(--font-sans);
	font-size: 0.65rem;
	font-weight: 700;
	letter-spacing: 0.12em;
	text-transform: uppercase;
	color: rgba(0,0,0,0.3);
	margin-bottom: 0.5rem;
}
.htool-card__title {
	font-family: var(--font-serif);
	font-size: 1.625rem;
	font-weight: 300;
	line-height: 1.2;
	color: var(--j-dark, #0e0d0c);
	margin-bottom: 0.75rem;
}
.htool-card__desc {
	font-family: var(--font-sans);
	font-size: 0.875rem;
	line-height: 1.65;
	color: rgba(0,0,0,0.5);
	flex: 1;
	margin-bottom: 1.5rem;
}
.htool-card__cta {
	font-family: var(--font-sans);
	font-size: 0.8rem;
	font-weight: 600;
	letter-spacing: 0.05em;
	text-transform: uppercase;
	color: var(--j-dark, #0e0d0c);
	display: flex;
	align-items: center;
	gap: 0.375rem;
}

/* Hub intro */
.htool-hub-intro {
	max-width: 640px;
	margin: 0 0 3rem;
}
.htool-hub-intro p {
	font-family: var(--font-sans);
	font-size: 1rem;
	line-height: 1.75;
	color: rgba(0,0,0,0.55);
}

/* ── Scenario cards (mortgage affordability) ─────────────────── */
.htool-scenario-grid {
	display: grid;
	grid-template-columns: repeat(2, 1fr);
	gap: 2px;
	margin-top: 0.75rem;
}
@media (max-width: 560px) { .htool-scenario-grid { grid-template-columns: 1fr; } }

.htool-scenario-card {
	background: var(--off-white, #faf9f7);
	padding: 1.125rem 1.25rem;
	border: 1px solid rgba(0,0,0,0.06);
	position: relative;
}
.htool-scenario-card--featured {
	border-top: 3px solid var(--j-gold, #c9a96e);
	background: #fff;
}
.htool-scenario-card__badge {
	font-family: var(--font-sans);
	font-size: 0.65rem;
	font-weight: 700;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: var(--j-gold, #c9a96e);
	margin-bottom: 0.5rem;
}
.htool-scenario-card__label {
	font-family: var(--font-sans);
	font-size: 0.75rem;
	font-weight: 600;
	letter-spacing: 0.06em;
	text-transform: uppercase;
	color: rgba(0,0,0,0.45);
	margin-bottom: 0.375rem;
}
.htool-scenario-card__borrow {
	font-family: var(--font-serif);
	font-size: 1.625rem;
	font-weight: 300;
	line-height: 1.1;
	color: var(--j-dark, #0e0d0c);
	margin-bottom: 0.25rem;
}
.htool-scenario-card__purchase {
	font-family: var(--font-sans);
	font-size: 0.8125rem;
	color: rgba(0,0,0,0.55);
	margin-bottom: 0.75rem;
}
.htool-scenario-card__stats {
	font-family: var(--font-sans);
	font-size: 0.8rem;
	color: rgba(0,0,0,0.45);
	margin-bottom: 0.75rem;
}
.htool-scenario-card__repayments {
	border-top: 1px solid rgba(0,0,0,0.06);
	padding-top: 0.625rem;
	display: flex;
	flex-direction: column;
	gap: 0.3rem;
}
.htool-scenario-card__repayment-row {
	display: flex;
	justify-content: space-between;
	align-items: center;
	font-family: var(--font-sans);
	font-size: 0.8125rem;
}
.htool-scenario-card__repayment-label { color: rgba(0,0,0,0.5); }
.htool-scenario-card__repayment-val   { font-weight: 600; color: var(--j-dark, #0e0d0c); }
.htool-scenario-card__repayment-row--stress .htool-scenario-card__repayment-label { color: rgba(180,60,30,0.65); font-size: 0.75rem; }
.htool-scenario-card__repayment-row--stress .htool-scenario-card__repayment-val   { color: rgba(180,60,30,0.85); font-size: 0.75rem; }

/* ── Metrics row (yield, BTL, reno ROI) ──────────────────────── */
.htool-metrics-row {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 2px;
	margin-top: 0.75rem;
}
@media (max-width: 560px) { .htool-metrics-row { grid-template-columns: repeat(2, 1fr); } }

.htool-metric {
	background: var(--off-white, #faf9f7);
	padding: 1rem 1.125rem;
	text-align: center;
}
.htool-metric__value {
	font-family: var(--font-serif);
	font-size: 1.5rem;
	font-weight: 300;
	line-height: 1.1;
	color: var(--j-dark, #0e0d0c);
	margin-bottom: 0.25rem;
}
.htool-metric__value--positive { color: #2d7a45; }
.htool-metric__value--negative { color: #c0392b; }
.htool-metric__label {
	font-family: var(--font-sans);
	font-size: 0.7rem;
	font-weight: 600;
	letter-spacing: 0.07em;
	text-transform: uppercase;
	color: rgba(0,0,0,0.4);
}

/* ── Soft CTA band (valuation) ───────────────────────────────── */
.htool-valuation-cta {
	background: var(--j-dark, #0e0d0c);
	padding: 72px 0;
}
.htool-valuation-cta__inner {
	display: grid;
	grid-template-columns: 1fr auto;
	gap: 3rem;
	align-items: center;
}
@media (max-width: 640px) {
	.htool-valuation-cta__inner { grid-template-columns: 1fr; }
}
.htool-valuation-cta__eyebrow {
	font-family: var(--font-sans);
	font-size: 0.7rem;
	font-weight: 700;
	letter-spacing: 0.12em;
	text-transform: uppercase;
	color: var(--j-gold, #c9a96e);
	margin-bottom: 0.75rem;
}
.htool-valuation-cta__heading {
	font-family: var(--font-serif);
	font-size: clamp(1.75rem, 3.5vw, 2.75rem);
	font-weight: 300;
	line-height: 1.15;
	color: var(--cream, #f4efe8);
	margin: 0;
}
.htool-valuation-cta__btns {
	display: flex;
	flex-direction: column;
	gap: 0.75rem;
	align-items: flex-start;
}
@media (max-width: 640px) {
	.htool-valuation-cta__btns { flex-direction: row; flex-wrap: wrap; }
}