.insurance-toolkit{--ink:#142f40;--muted:#536574;--accent:#17685d;color:var(--ink);background:#f7f6f2}.insurance-toolkit h1,.insurance-toolkit .tool-display{letter-spacing:-.035em;font-family:Georgia,Times New Roman,serif;font-weight:400}.insurance-toolkit :is(a,button,input,select,summary):focus-visible{outline-offset:4px;outline:3px solid #26776b}.tool-hero{grid-template-columns:minmax(0,1fr) auto;align-items:end;gap:2rem;padding:3rem 0;display:grid}.tool-hero h1{max-width:800px;font-size:clamp(2.6rem,5vw,4.3rem);line-height:1.06}.tool-edition{color:var(--muted);border-left:1px solid #cbd3d3;padding-left:1.5rem;font-size:.8rem;line-height:1.8}.tool-nav{border-bottom:1px solid #d9deda;flex-wrap:wrap;gap:.4rem;margin-bottom:2rem;padding-bottom:1rem;display:flex}.tool-nav a{color:var(--muted);border-radius:.6rem;padding:.65rem 1rem;font-size:.875rem}.tool-nav a[aria-current=page]{background:var(--ink);color:#fff}.tool-nav a:hover:not([aria-current=page]){color:var(--ink);background:#e9eeea}.tool-panel{background:#fff;border:1px solid #d8dfdc;border-radius:1.1rem;min-width:0;padding:clamp(1.25rem,3vw,2rem);box-shadow:0 7px 24px -18px #142f4033}.tool-result{background:#edf3ef;border-top:3px solid #26776b;scroll-margin-top:6rem}.tool-primary{background:var(--ink);color:#fff;border-radius:.65rem;padding:.85rem 1.25rem;font-weight:600;transition:background .15s}.tool-primary:hover{background:#24546a}.tool-input{color:#142f40;background:#fbfcfb;border:1px solid #c7d0cf;border-radius:.6rem;width:100%;min-width:0;margin-top:.5rem;padding:.8rem;font-size:1rem}.tool-input:focus{background:#fff}.tool-cards{grid-template-columns:repeat(3,minmax(0,1fr));gap:1.25rem;display:grid}.tool-card{background:#fff;border:1px solid #d6ddda;border-radius:1rem;flex-direction:column;transition:border-color .2s,box-shadow .2s,transform .2s;display:flex;overflow:hidden}.tool-card:hover{border-color:#668c83;transform:translateY(-3px);box-shadow:0 18px 40px -25px #183c4166}.tool-card-body{flex-direction:column;flex:1;padding:1.5rem;display:flex}.tool-card-cta{justify-content:space-between;align-items:center;margin-top:auto;padding-top:1.5rem;font-weight:600;display:flex}.tool-card-cta span:last-child{border:1px solid #ccd8d3;border-radius:50%;place-items:center;width:2rem;height:2rem;display:grid}.tool-preview{background:#eaf0ec;border-bottom:1px solid #d6ddda;height:180px;padding:1.6rem 1.5rem;position:relative;overflow:hidden}.tool-preview-label{letter-spacing:.13em;text-transform:uppercase;color:#526c64;font:10px ui-monospace,monospace}.tool-week{grid-template-columns:repeat(7,1fr);gap:5px;margin-top:18px;display:grid}.tool-week span{aspect-ratio:1;background:#fff9;border-radius:5px;place-items:center;font-size:12px;display:grid}.tool-week span:nth-child(3n){color:#fff;background:#236c5e}.tool-preview-math{background:#edf0f5}.tool-preview-checklist{background:#f4eee2}.tool-card:nth-child(4) .tool-preview{background:#e8eef1}.tool-card:nth-child(5) .tool-preview{background:#e9eee5}.tool-card:nth-child(6) .tool-preview{background:#f1ebdf}.tool-example-rule{background:#cad4d8;height:1px;margin:10px 0}.tool-notes{color:var(--muted);border-top:1px solid #d8dfdc;grid-template-columns:minmax(180px,.65fr) minmax(0,1.35fr);gap:2rem;margin-top:3rem;padding-top:2rem;line-height:1.8;display:grid}.tool-notes p+p{margin-top:1rem}.tool-notes a{text-underline-offset:4px;text-decoration:underline}@media (max-width:767px){.tool-hero{grid-template-columns:1fr;padding:2rem 0}.tool-edition{display:none}.tool-cards,.tool-notes{grid-template-columns:1fr}.tool-notes{gap:1rem}.tool-preview{height:160px}.tool-nav a{padding:.6rem .7rem}}@media (prefers-reduced-motion:reduce){.tool-card{transition:none}.tool-card:hover{transform:none}}@media print{.tool-nav,.tool-edition{display:none}.tool-hero{padding:1rem 0}.tool-panel{box-shadow:none;break-inside:avoid}}