/* =========================================================
   FMB TOOLS & CALCULATORS
   Matches the editorial system used on Home, Start Here,
   and Money Myths: cream/white sections, Playfair headings,
   restrained gold details, navy trust bands, tight spacing.
========================================================= */

:root {
  --fmb-tools-border: var(--fmb-editorial-border);
  --fmb-tools-border-strong: var(--fmb-editorial-border-strong);
  --fmb-tools-soft-gold: #fbf3e2;
  --fmb-tools-soft-green: #eaf4ee;
  --fmb-tools-green: #2f6a45;
  --fmb-tools-section-space: clamp(24px, 2.15vw, 34px);
}

/* =========================================================
   1. SHARED EDITORIAL FOUNDATION
   Full-bleed layout, shell width, Elementor normalization, headings,
   eyebrow labels, inline links, and compact buttons come from editorial.css.
========================================================= */

.fmb-tools-section {
  padding: var(--fmb-tools-section-space) 0;
}

.fmb-tools-heading__description {
  max-width: var(--fmb-editorial-copy-max);
}

.fmb-tools-eyebrow--light {
  color: var(--fmb-gold);
}

.fmb-tools-section-link {
  margin-top: 18px;
  text-align: center;
}

.fmb-tools-button {
  white-space: nowrap;
}

/* =========================================================
   2. STATUS BADGES
========================================================= */

.fmb-tool-status {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 24px;
  padding: 4px 9px;
  border-radius: 999px;
  font-size: 0.62rem;
  font-weight: 800;
  letter-spacing: 0.055em;
  line-height: 1;
  text-transform: uppercase;
  white-space: nowrap;
}

.fmb-tool-status--available {
  background: #e7f4ec;
  color: #2c6843;
}

.fmb-tool-status--development,
.fmb-tool-status--coming-soon {
  background: #f4efe5;
  color: #8a6a2a;
}

/* =========================================================
   3. DECISION PATHS
========================================================= */

.fmb-tools-paths {
  position: relative;
  overflow: hidden;
  background: var(--fmb-off-white);
}

.fmb-tools-paths::after {
  position: absolute;
  top: -190px;
  right: -150px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212, 182, 120, 0.10), transparent 68%);
  content: "";
  pointer-events: none;
}

.fmb-tools-paths__grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 10px;
}

.fmb-tools-path {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 148px;
  padding: 20px 18px 18px;
  border: 1px solid var(--fmb-tools-border);
  border-radius: 5px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 8px 22px rgba(7, 24, 47, 0.035);
  color: var(--fmb-navy);
  text-decoration: none;
  transition: transform var(--fmb-transition), border-color var(--fmb-transition), box-shadow var(--fmb-transition);
}

.fmb-tools-path:hover {
  border-color: rgba(168, 130, 58, 0.48);
  box-shadow: 0 11px 25px rgba(7, 24, 47, 0.065);
  color: var(--fmb-navy);
  transform: translateY(-2px);
}

.fmb-tools-path__icon {
  display: grid;
  width: 32px;
  height: 32px;
  margin-bottom: 15px;
  color: var(--fmb-gold-dark);
  place-items: center;
}

.fmb-tools-path__icon svg {
  width: 27px;
  height: 27px;
}

.fmb-tools-path__copy {
  display: block;
  padding-right: 16px;
}

.fmb-tools-path__copy strong {
  display: block;
  color: var(--fmb-navy);
  font-family: var(--fmb-font-display);
  font-size: 1.01rem;
  font-weight: 800;
  line-height: 1.22;
}

.fmb-tools-path__copy small {
  display: block;
  margin-top: 6px;
  color: var(--fmb-body);
  font-size: 0.7rem;
  line-height: 1.45;
}

.fmb-tools-path__arrow {
  position: absolute;
  right: 17px;
  bottom: 16px;
  color: var(--fmb-navy);
  font-size: 1rem;
  transition: transform var(--fmb-transition), color var(--fmb-transition);
}

.fmb-tools-path:hover .fmb-tools-path__arrow {
  color: var(--fmb-gold-dark);
  transform: translateX(3px);
}

/* =========================================================
   4. FEATURED TOOL
========================================================= */

.fmb-featured-tool-section {
  padding-top: 0;
  padding-bottom: var(--fmb-tools-section-space);
  background: var(--fmb-off-white);
}

.fmb-featured-tool {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(300px, 0.72fr);
  min-height: 245px;
  overflow: hidden;
  border: 1px solid rgba(212, 182, 120, 0.34);
  border-radius: 5px;
  background: linear-gradient(110deg, #07182f 0%, #081a31 58%, #0d223b 100%);
  box-shadow: 0 14px 34px rgba(7, 24, 47, 0.12);
}

.fmb-featured-tool::before {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 16% 10%, rgba(212, 182, 120, 0.12), transparent 24%),
    linear-gradient(90deg, transparent 0%, transparent 60%, rgba(255,255,255,0.015) 60%);
  content: "";
  pointer-events: none;
}

.fmb-featured-tool__content {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  padding: 34px 38px;
}

.fmb-featured-tool__eyebrow-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
}

.fmb-featured-tool__eyebrow {
  color: var(--fmb-gold);
  font-family: "Montserrat", sans-serif;
  font-size: 0.64rem;
  font-weight: 800;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.fmb-featured-tool h2 {
  margin: 0;
  color: #fff;
  font-family: var(--fmb-font-display);
  font-size: clamp(29px, 2.35vw, 38px);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.018em;
}

.fmb-featured-tool__description {
  max-width: 700px;
  margin: 9px 0 0;
  color: rgba(255,255,255,0.72);
  font-size: 0.84rem;
  line-height: 1.6;
}

.fmb-featured-tool__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 9px 18px;
  margin-top: 14px;
  color: rgba(255,255,255,0.58);
  font-size: 0.69rem;
  line-height: 1.3;
}

.fmb-featured-tool__meta span::before {
  display: inline-block;
  width: 5px;
  height: 5px;
  margin-right: 7px;
  border: 1px solid var(--fmb-gold);
  border-radius: 50%;
  content: "";
  vertical-align: 1px;
}

.fmb-tool-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 42px;
  margin-top: 18px;
  padding: 0 17px;
  border: 1px solid var(--fmb-gold-dark);
  border-radius: 2px;
  background: var(--fmb-gold);
  color: var(--fmb-navy-dark);
  font-size: 0.76rem;
  font-weight: 800;
  line-height: 1;
  text-decoration: none;
  transition: background var(--fmb-transition), transform var(--fmb-transition);
}

.fmb-tool-button:hover {
  background: var(--fmb-gold-hover);
  color: var(--fmb-navy-dark);
  transform: translateY(-1px);
}

.fmb-tool-button--disabled {
  border-color: rgba(212,182,120,.38);
  background: rgba(255,255,255,.06);
  color: rgba(255,255,255,.62);
  cursor: default;
}

.fmb-featured-tool__visual,
.fmb-featured-tool__results {
  position: relative;
  z-index: 1;
  min-height: 245px;
  border-left: 1px solid rgba(255,255,255,0.12);
}

.fmb-featured-tool__visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.72;
}

.fmb-featured-tool__visual::after {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, #081a31 0%, rgba(8,26,49,.34) 35%, rgba(8,26,49,.05) 100%);
  content: "";
}

.fmb-featured-tool__visual--graphic {
  display: grid;
  place-items: center;
  color: var(--fmb-gold);
}

.fmb-featured-tool__visual--graphic svg {
  width: 115px;
  height: 115px;
  opacity: 0.72;
}

.fmb-featured-tool__results {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 32px 36px;
  color: rgba(255,255,255,0.78);
}

.fmb-featured-tool__results > strong {
  margin-bottom: 14px;
  color: #fff;
  font-size: 0.79rem;
}

.fmb-featured-tool__results ul {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.fmb-featured-tool__results li {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 0.76rem;
}

.fmb-featured-tool__results svg {
  width: 16px;
  height: 16px;
  color: var(--fmb-gold);
}

/* =========================================================
   5. TOOLS LIBRARY
========================================================= */

.fmb-tools-library {
  background: #fff;
}

.fmb-tools-library__header-row {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 30px;
  margin-bottom: 22px;
}

.fmb-tools-library__header-row .fmb-tools-heading {
  max-width: 740px;
  margin-bottom: 0;
}

.fmb-tools-library__filters {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 7px;
  max-width: 620px;
}

.fmb-tool-filter {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 34px;
  padding: 7px 13px;
  border: 1px solid var(--fmb-tools-border);
  border-radius: 999px;
  background: #fff;
  color: var(--fmb-body);
  cursor: pointer;
  font: inherit;
  font-size: 0.68rem;
  font-weight: 700;
  line-height: 1;
  transition: background var(--fmb-transition), border-color var(--fmb-transition), color var(--fmb-transition);
}

.fmb-tool-filter:hover {
  border-color: rgba(168,130,58,.5);
  color: var(--fmb-navy);
}

.fmb-tool-filter.is-active {
  border-color: var(--fmb-navy);
  background: var(--fmb-navy);
  color: #fff;
}

.fmb-tools-library__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.fmb-tool-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 285px;
  padding: 21px 20px 19px;
  border: 1px solid var(--fmb-tools-border);
  border-radius: 5px;
  background: #fff;
  box-shadow: 0 7px 20px rgba(7,24,47,.03);
  transition: transform var(--fmb-transition), border-color var(--fmb-transition), box-shadow var(--fmb-transition);
}

.fmb-tool-card:hover {
  border-color: rgba(168,130,58,.42);
  box-shadow: 0 10px 24px rgba(7,24,47,.06);
  transform: translateY(-2px);
}

.fmb-tool-card--upcoming {
  background: #fcfbf8;
}

.fmb-tool-card--upcoming:hover {
  transform: none;
}

.fmb-tool-card__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 14px;
}

.fmb-tool-card__icon {
  display: grid;
  width: 35px;
  height: 35px;
  border: 1px solid rgba(168,130,58,.28);
  border-radius: 50%;
  color: var(--fmb-gold-dark);
  place-items: center;
}

.fmb-tool-card__icon svg {
  width: 20px;
  height: 20px;
}

.fmb-tool-card__category {
  margin: 0 0 5px;
  color: var(--fmb-gold-dark);
  font-size: 0.59rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  line-height: 1.3;
  text-transform: uppercase;
}

.fmb-tool-card h3 {
  margin: 0;
  color: var(--fmb-navy);
  font-family: var(--fmb-font-display);
  font-size: 1.12rem;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.012em;
}

.fmb-tool-card__description {
  margin: 8px 0 0;
  color: var(--fmb-body);
  font-size: 0.75rem;
  line-height: 1.53;
}

.fmb-tool-card__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 7px 13px;
  margin-top: auto;
  padding-top: 15px;
  color: var(--fmb-muted);
  font-size: 0.64rem;
}

.fmb-tool-card__meta span + span::before {
  margin-right: 7px;
  color: var(--fmb-gold-dark);
  content: "•";
}

.fmb-tool-card__footer {
  padding-top: 12px;
}

.fmb-tool-card__cta {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--fmb-navy);
  font-size: 0.7rem;
  font-weight: 800;
  text-decoration: none;
}

.fmb-tool-card__cta span {
  color: var(--fmb-gold-dark);
  transition: transform var(--fmb-transition);
}

.fmb-tool-card__cta:hover {
  color: var(--fmb-gold-dark);
}

.fmb-tool-card__cta:hover span {
  transform: translateX(3px);
}

.fmb-tool-card__cta--disabled {
  color: #9a9fa6;
  cursor: default;
}

.fmb-tool-card[hidden] {
  display: none !important;
}

/* =========================================================
   6. FINANCIAL CHECKUP CTA
========================================================= */

.fmb-tools-checkup {
  padding-top: 0;
  background: #fff;
}

.fmb-tools-checkup__card {
  position: relative;
  display: grid;
  grid-template-columns: auto minmax(0, 1.3fr) minmax(300px, .85fr) auto;
  gap: 24px;
  align-items: center;
  min-height: 150px;
  overflow: hidden;
  padding: 24px 30px;
  border: 1px solid rgba(168,130,58,.22);
  border-radius: 5px;
  background: linear-gradient(110deg, #fbf8f1 0%, #fff 55%, #fbf6e9 100%);
  box-shadow: 0 12px 30px rgba(7,24,47,.055);
}

.fmb-tools-checkup__card::after {
  position: absolute;
  right: -60px;
  top: -80px;
  width: 300px;
  height: 300px;
  border: 1px solid rgba(212,182,120,.17);
  border-radius: 50%;
  content: "";
  pointer-events: none;
}

.fmb-tools-checkup__icon {
  position: relative;
  z-index: 1;
  display: grid;
  width: 62px;
  height: 62px;
  border: 1px solid rgba(168,130,58,.3);
  border-radius: 50%;
  color: var(--fmb-gold-dark);
  place-items: center;
}

.fmb-tools-checkup__icon svg {
  width: 30px;
  height: 30px;
}

.fmb-tools-checkup__copy {
  position: relative;
  z-index: 1;
}

.fmb-tools-checkup__eyebrow {
  margin: 0 0 4px;
  color: var(--fmb-gold-dark);
  font-size: 0.62rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.fmb-tools-checkup__copy h2 {
  margin: 0;
  color: var(--fmb-navy);
  font-family: var(--fmb-font-display);
  font-size: clamp(25px, 2vw, 33px);
  line-height: 1.08;
}

.fmb-tools-checkup__copy > p:not(.fmb-tools-checkup__eyebrow) {
  max-width: 620px;
  margin: 7px 0 0;
  color: var(--fmb-body);
  font-size: 0.75rem;
  line-height: 1.5;
}

.fmb-tools-checkup__list {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px 18px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.fmb-tools-checkup__list li {
  display: flex;
  align-items: center;
  gap: 7px;
  color: var(--fmb-navy);
  font-size: 0.69rem;
  font-weight: 650;
}

.fmb-tools-checkup__list svg {
  width: 14px;
  height: 14px;
  color: var(--fmb-gold-dark);
}

.fmb-tools-checkup__card .fmb-tools-button {
  position: relative;
  z-index: 1;
}

/* =========================================================
   7. DECISION FRAMEWORK
========================================================= */

.fmb-tools-framework {
  position: relative;
  overflow: hidden;
  background: var(--fmb-navy);
  color: #fff;
}

.fmb-tools-framework::before {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 14% 18%, rgba(212,182,120,.1), transparent 24%),
    linear-gradient(90deg, transparent 0%, rgba(255,255,255,.012) 50%, transparent 100%);
  content: "";
}

.fmb-tools-framework > .fmb-shell {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(260px, .72fr) minmax(0, 2.1fr);
  gap: 34px;
  align-items: center;
}

.fmb-tools-framework__intro h2 {
  margin: 0;
  color: #fff;
  font-family: var(--fmb-font-display);
  font-size: clamp(29px, 2.4vw, 39px);
  line-height: 1.07;
  letter-spacing: -.015em;
}

.fmb-tools-framework__intro > p:not(.fmb-tools-eyebrow) {
  max-width: 430px;
  margin: 9px 0 0;
  color: rgba(255,255,255,.64);
  font-size: 0.76rem;
  line-height: 1.58;
}

.fmb-tools-framework__steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0,1fr));
  border-top: 1px solid rgba(255,255,255,.13);
  border-bottom: 1px solid rgba(255,255,255,.13);
}

.fmb-tools-framework__step {
  min-height: 128px;
  padding: 18px 16px;
  border-right: 1px solid rgba(255,255,255,.13);
}

.fmb-tools-framework__step:last-child {
  border-right: 0;
}

.fmb-tools-framework__icon {
  display: grid;
  width: 33px;
  height: 33px;
  margin-bottom: 12px;
  border: 1px solid rgba(212,182,120,.45);
  border-radius: 50%;
  color: var(--fmb-gold);
  place-items: center;
}

.fmb-tools-framework__icon svg {
  width: 18px;
  height: 18px;
}

.fmb-tools-framework__step strong {
  color: #fff;
  font-size: 0.72rem;
  font-weight: 800;
  line-height: 1.35;
}

.fmb-tools-framework__step p {
  margin: 6px 0 0;
  color: rgba(255,255,255,.58);
  font-size: 0.67rem;
  line-height: 1.48;
}

/* =========================================================
   8. COMPARE & DECIDE
========================================================= */

.fmb-tools-compare {
  background: var(--fmb-off-white);
}

.fmb-tools-compare__header {
  display: grid;
  grid-template-columns: minmax(0,.86fr) minmax(460px,1.15fr);
  gap: clamp(35px, 6vw, 95px);
  align-items: end;
  margin-bottom: 18px;
}

.fmb-tools-compare__header .fmb-tools-heading {
  margin: 0;
}

.fmb-tools-compare__intro-text p {
  max-width: 780px;
  margin: 0;
  color: var(--fmb-body);
  font-size: 0.88rem;
  line-height: 1.62;
}

.fmb-tools-compare__intro-text strong {
  display: block;
  margin-top: 10px;
  color: var(--fmb-navy);
  font-size: 0.73rem;
  line-height: 1.5;
}

.fmb-tools-compare__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 14px;
}

.fmb-tools-compare-card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border: 1px solid var(--fmb-tools-border);
  border-radius: 4px;
  background: #fff;
  box-shadow: 0 8px 24px rgba(7,24,47,.04);
  transition: border-color var(--fmb-transition), transform var(--fmb-transition), box-shadow var(--fmb-transition);
}

.fmb-tools-compare-card:hover {
  border-color: rgba(168,130,58,.42);
  box-shadow: 0 12px 30px rgba(7,24,47,.07);
  transform: translateY(-2px);
}

.fmb-tools-compare-card__image {
  position: relative;
  display: block;
  height: 190px;
  overflow: hidden;
  background: linear-gradient(140deg, #12253c, #364555);
}

.fmb-tools-compare-card__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 300ms ease;
}

.fmb-tools-compare-card:hover .fmb-tools-compare-card__image img {
  transform: scale(1.025);
}

.fmb-tools-compare-card__image-shade {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(7,24,47,.03) 25%, rgba(7,24,47,.75) 100%);
}

.fmb-tools-compare-card__image > span {
  position: absolute;
  left: 20px;
  bottom: 16px;
  z-index: 2;
  color: #fff;
  font-size: 0.62rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.fmb-tools-compare-card__body {
  display: flex;
  flex: 1;
  flex-direction: column;
  padding: 21px 22px 22px;
}

.fmb-tools-compare-card__label {
  width: fit-content;
  margin: 0 0 10px;
  padding: 5px 9px;
  border-radius: 999px;
  background: var(--fmb-tools-soft-gold);
  color: var(--fmb-gold-dark);
  font-size: .57rem;
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.fmb-tools-compare-card h3 {
  margin: 0;
  font-family: var(--fmb-font-display);
  font-size: clamp(21px, 1.65vw, 27px);
  line-height: 1.13;
  letter-spacing: -.012em;
}

.fmb-tools-compare-card h3 a {
  color: var(--fmb-navy);
  text-decoration: none;
}

.fmb-tools-compare-card__body > p:not(.fmb-tools-compare-card__label) {
  margin: 9px 0 20px;
  color: var(--fmb-body);
  font-size: .75rem;
  line-height: 1.55;
}

.fmb-tools-compare-card .fmb-tools-text-link {
  margin-top: auto;
}

/* =========================================================
   9. FAQ + METHODOLOGY
========================================================= */

.fmb-tools-faq-method {
  background: #fff;
}

.fmb-tools-faq-method__layout {
  display: grid;
  grid-template-columns: minmax(0, 2.1fr) minmax(340px, .9fr);
  gap: 20px;
  align-items: start;
}

.fmb-tools-faq-method__faq .fmb-tools-heading {
  margin-bottom: 22px;
}

.fmb-tools-faq-list {
  display: grid;
  gap: 8px;
}

.fmb-tools-faq-item {
  border: 1px solid rgba(168,130,58,.25);
  border-radius: 3px;
  background: #fff;
  overflow: hidden;
}

.fmb-tools-faq-item summary {
  position: relative;
  display: grid;
  grid-template-columns: auto minmax(0,1fr) auto;
  gap: 14px;
  align-items: center;
  min-height: 58px;
  padding: 12px 18px 12px 14px;
  color: var(--fmb-navy);
  cursor: pointer;
  list-style: none;
}

.fmb-tools-faq-item summary::-webkit-details-marker {
  display: none;
}

.fmb-tools-faq-item__icon {
  display: grid;
  width: 30px;
  height: 30px;
  border: 1px solid rgba(168,130,58,.32);
  border-radius: 50%;
  color: var(--fmb-gold-dark);
  place-items: center;
}

.fmb-tools-faq-item__icon svg {
  width: 15px;
  height: 15px;
}

.fmb-tools-faq-item summary strong {
  font-size: .76rem;
  line-height: 1.4;
}

.fmb-tools-faq-item__toggle {
  position: relative;
  width: 14px;
  height: 14px;
}

.fmb-tools-faq-item__toggle::before,
.fmb-tools-faq-item__toggle::after {
  position: absolute;
  top: 50%;
  left: 50%;
  width: 10px;
  height: 1px;
  background: var(--fmb-gold-dark);
  content: "";
  transform: translate(-50%,-50%);
}

.fmb-tools-faq-item__toggle::after {
  transform: translate(-50%,-50%) rotate(90deg);
  transition: transform var(--fmb-transition), opacity var(--fmb-transition);
}

.fmb-tools-faq-item[open] .fmb-tools-faq-item__toggle::after {
  opacity: 0;
}

.fmb-tools-faq-item__answer {
  padding: 13px 18px 15px 62px;
  border-top: 1px solid var(--fmb-tools-border);
  background: var(--fmb-cream);
  color: var(--fmb-body);
  font-size: .73rem;
  line-height: 1.6;
}

.fmb-tools-faq-item__answer > :first-child {
  margin-top: 0;
}

.fmb-tools-faq-item__answer > :last-child {
  margin-bottom: 0;
}

.fmb-tools-method-card {
  overflow: hidden;
  border: 1px solid rgba(212,182,120,.25);
  border-radius: 4px;
  background: var(--fmb-navy);
  box-shadow: 0 14px 34px rgba(7,24,47,.12);
  color: #fff;
}

.fmb-tools-method-card__icon {
  display: grid;
  width: 42px;
  height: 42px;
  margin: 26px 26px 15px;
  border: 1px solid rgba(212,182,120,.55);
  border-radius: 50%;
  color: var(--fmb-gold);
  place-items: center;
}

.fmb-tools-method-card__icon svg {
  width: 20px;
  height: 20px;
}

.fmb-tools-method-card__eyebrow {
  margin: 0 26px 6px;
  color: var(--fmb-gold);
  font-size: .59rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.fmb-tools-method-card h2 {
  margin: 0 26px;
  color: #fff;
  font-family: var(--fmb-font-display);
  font-size: clamp(25px, 2vw, 31px);
  line-height: 1.1;
}

.fmb-tools-method-card__description {
  margin: 9px 26px 20px;
  color: rgba(255,255,255,.67);
  font-size: .72rem;
  line-height: 1.55;
}

.fmb-tools-method-card__steps {
  border-top: 1px solid rgba(255,255,255,.12);
}

.fmb-tools-method-card__step {
  display: grid;
  grid-template-columns: auto minmax(0,1fr);
  gap: 13px;
  padding: 17px 26px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}

.fmb-tools-method-card__step > span {
  display: grid;
  width: 29px;
  height: 29px;
  border: 1px solid rgba(212,182,120,.5);
  border-radius: 50%;
  color: var(--fmb-gold);
  font-family: var(--fmb-font-display);
  font-size: .68rem;
  place-items: center;
}

.fmb-tools-method-card__step strong {
  color: #fff;
  font-size: .71rem;
  line-height: 1.35;
}

.fmb-tools-method-card__step p {
  margin: 4px 0 0;
  color: rgba(255,255,255,.58);
  font-size: .64rem;
  line-height: 1.48;
}

.fmb-tools-method-card__note {
  display: flex;
  gap: 9px;
  margin: 17px 26px 0;
  color: rgba(255,255,255,.62);
  font-size: .62rem;
  line-height: 1.45;
}

.fmb-tools-method-card__note svg {
  flex: 0 0 14px;
  width: 14px;
  height: 14px;
  margin-top: 1px;
  color: var(--fmb-gold);
}

.fmb-tools-method-card__reviewed {
  margin: 12px 26px 0;
  color: rgba(255,255,255,.38);
  font-size: .57rem;
}

.fmb-tools-method-card__links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  padding: 18px 26px 24px;
}

.fmb-tools-method-card__links a {
  display: inline-flex;
  gap: 7px;
  align-items: center;
  color: var(--fmb-gold);
  font-size: .64rem;
  font-weight: 800;
  text-decoration: none;
}

.fmb-tools-method-card__links a:hover {
  color: var(--fmb-gold-hover);
}
/* =========================================================
   10. RELATED ARTICLES / MONEY MYTHS
   Light navy editorial band
========================================================= */

.fmb-tools-articles {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(
      135deg,
      #f1f4f7 0%,
      #f6f7f8 52%,
      #edf1f4 100%
    );
  border-top: 1px solid rgba(7, 24, 47, 0.10);
  border-bottom: 1px solid rgba(7, 24, 47, 0.12);
}

/* Subtle FMB decorative circles */
.fmb-tools-articles::before {
  position: absolute;
  top: -185px;
  right: -115px;
  width: 440px;
  height: 440px;
  border: 1px solid rgba(7, 24, 47, 0.055);
  border-radius: 50%;
  content: "";
  pointer-events: none;
}

.fmb-tools-articles::after {
  position: absolute;
  top: -115px;
  right: -45px;
  width: 300px;
  height: 300px;
  border: 1px solid rgba(168, 130, 58, 0.09);
  border-radius: 50%;
  content: "";
  pointer-events: none;
}

.fmb-tools-articles > .fmb-shell {
  position: relative;
  z-index: 1;
}


/* ---------------------------------------------------------
   Header
--------------------------------------------------------- */

.fmb-tools-articles__header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 28px;
  margin-bottom: 20px;
}

.fmb-tools-articles__header .fmb-tools-heading {
  max-width: 760px;
  margin: 0;
}

.fmb-tools-articles__header .fmb-tools-heading__description {
  max-width: 680px;
}


/* ---------------------------------------------------------
   Article grid
--------------------------------------------------------- */

.fmb-tools-articles__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}


/* ---------------------------------------------------------
   Article card
--------------------------------------------------------- */

.fmb-tools-article-card {
  display: flex;
  flex-direction: column;
  min-width: 0;
  overflow: hidden;
  border: 1px solid rgba(7, 24, 47, 0.12);
  border-radius: 5px;
  background: #fff;
  box-shadow:
    0 8px 24px rgba(7, 24, 47, 0.055);
  transition:
    transform var(--fmb-transition),
    border-color var(--fmb-transition),
    box-shadow var(--fmb-transition);
}

.fmb-tools-article-card:hover {
  border-color: rgba(168, 130, 58, 0.42);
  box-shadow:
    0 12px 30px rgba(7, 24, 47, 0.09);
  transform: translateY(-2px);
}


/* ---------------------------------------------------------
   Image
--------------------------------------------------------- */

.fmb-tools-article-card__image {
  position: relative;

  display: grid;
  width: 100%;
  min-height: 175px;
  aspect-ratio: 16 / 8.5;

  overflow: hidden;

  background: var(--fmb-navy);
  color: var(--fmb-gold);

  place-items: center;
}

.fmb-tools-article-card__image::after {
  position: absolute;
  inset: 0;

  background:
    linear-gradient(
      to top,
      rgba(7, 24, 47, 0.20),
      transparent 55%
    );

  content: "";
  pointer-events: none;
}

.fmb-tools-article-card__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;

  transition: transform 350ms ease;
}

.fmb-tools-article-card:hover
.fmb-tools-article-card__image img {
  transform: scale(1.035);
}

.fmb-tools-article-card__image > span svg {
  width: 44px;
  height: 44px;
}


/* ---------------------------------------------------------
   Content
--------------------------------------------------------- */

.fmb-tools-article-card__body {
  display: flex;
  flex: 1;
  flex-direction: column;

  padding: 18px 20px 19px;
}

.fmb-tools-article-card__topic {
  margin: 0 0 7px;

  color: var(--fmb-gold-dark);

  font-size: 0.56rem;
  font-weight: 800;

  letter-spacing: 0.10em;

  text-transform: uppercase;
}

.fmb-tools-article-card h3 {
  margin: 0 0 10px;

  color: var(--fmb-navy);

  font-family: var(--fmb-font-display);
  font-size: clamp(1rem, 1.1vw, 1.13rem);
  font-weight: 800;

  line-height: 1.22;
}

.fmb-tools-article-card h3 a {
  color: var(--fmb-navy);
  text-decoration: none;

  transition: color var(--fmb-transition);
}

.fmb-tools-article-card h3 a:hover {
  color: var(--fmb-gold-dark);
}

.fmb-tools-article-card .fmb-tools-text-link {
  margin-top: auto;
  padding-top: 8px;
}
/* =========================================================
   11. REUSABLE SHOWCASE (BACKWARDS COMPATIBILITY)
========================================================= */

.fmb-tools-showcase__header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 28px;
  margin-bottom: 22px;
}

.fmb-tools-showcase__intro {
  max-width: 900px;
}

.fmb-tools-showcase__view-all {
  white-space: nowrap;
}

.fmb-tools-showcase__grid {
  display: grid;
  grid-template-columns: repeat(4,minmax(0,1fr));
  gap: 12px;
}

.fmb-tools-showcase-card {
  display: flex;
  flex-direction: column;
  min-height: 245px;
  padding: 20px;
  border: 1px solid var(--fmb-tools-border);
  border-radius: 4px;
  background: #fff;
}

.fmb-tools-showcase-card__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 13px;
}

.fmb-tools-showcase-card__icon {
  display: grid;
  width: 34px;
  height: 34px;
  border: 1px solid rgba(168,130,58,.3);
  border-radius: 50%;
  color: var(--fmb-gold-dark);
  place-items: center;
}

.fmb-tools-showcase-card__icon svg {
  width: 19px;
  height: 19px;
}

.fmb-tools-showcase-card__category {
  display: block;
  margin-bottom: 5px;
  color: var(--fmb-gold-dark);
  font-size: .56rem;
  font-weight: 800;
  letter-spacing: .07em;
  text-transform: uppercase;
}

.fmb-tools-showcase-card h3 {
  margin: 0;
  color: var(--fmb-navy);
  font-family: var(--fmb-font-display);
  font-size: 1.08rem;
  line-height: 1.2;
}

.fmb-tools-showcase-card__description {
  margin: 7px 0 0;
  color: var(--fmb-body);
  font-size: .72rem;
  line-height: 1.5;
}

.fmb-tools-showcase-card__bottom {
  margin-top: auto;
  padding-top: 14px;
}

.fmb-tools-showcase-card__cta,
.fmb-tools-showcase-card__development {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--fmb-navy);
  font-size: .68rem;
  font-weight: 800;
  text-decoration: none;
}

.fmb-tools-showcase-card__development {
  color: var(--fmb-muted);
}

.fmb-tools-showcase-card__dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--fmb-gold-dark);
}

.fmb-tools-showcase__disclaimer {
  display: flex;
  gap: 10px;
  margin-top: 14px;
  padding: 13px 16px;
  border: 1px solid var(--fmb-tools-border);
  background: var(--fmb-cream);
}

.fmb-tools-showcase__info-icon {
  display: grid;
  flex: 0 0 22px;
  width: 22px;
  height: 22px;
  border: 1px solid rgba(168,130,58,.4);
  border-radius: 50%;
  color: var(--fmb-gold-dark);
  font-size: .66rem;
  font-weight: 800;
  place-items: center;
}

.fmb-tools-showcase__disclaimer p {
  margin: 0;
  color: var(--fmb-body);
  font-size: .67rem;
  line-height: 1.48;
}

.fmb-tools-showcase__disclaimer strong {
  color: var(--fmb-navy);
}

/* =========================================================
   12. RESPONSIVE
========================================================= */

@media (max-width: 1220px) {
  .fmb-tools-paths__grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .fmb-tools-library__grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .fmb-tools-showcase__grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .fmb-tools-checkup__card {
    grid-template-columns: auto minmax(0, 1.2fr) minmax(260px, .8fr);
  }

  .fmb-tools-checkup__card .fmb-tools-button {
    grid-column: 2 / -1;
    justify-self: start;
  }
}

@media (max-width: 980px) {
  .fmb-tools-library__header-row,
  .fmb-tools-articles__header {
    align-items: flex-start;
    flex-direction: column;
    gap: 14px;
  }

  .fmb-tools-library__filters {
    justify-content: flex-start;
    max-width: none;
  }

  .fmb-tools-library__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .fmb-featured-tool {
    grid-template-columns: minmax(0, 1fr) minmax(250px, .65fr);
  }

  .fmb-tools-checkup__card {
    grid-template-columns: auto minmax(0, 1fr);
  }

  .fmb-tools-checkup__list {
    grid-column: 2;
  }

  .fmb-tools-checkup__card .fmb-tools-button {
    grid-column: 2;
  }

  .fmb-tools-framework > .fmb-shell {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .fmb-tools-framework__intro {
    max-width: 650px;
  }

  .fmb-tools-compare__header {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .fmb-tools-compare__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .fmb-tools-faq-method__layout {
    grid-template-columns: 1fr;
  }

  .fmb-tools-method-card {
    max-width: none;
  }

  /* Related articles become one editorial row per article on tablet. */
  .fmb-tools-articles__grid {
    grid-template-columns: 1fr;
  }

  .fmb-tools-article-card {
    display: grid;
    grid-template-columns: minmax(220px, .72fr) minmax(0, 1fr);
  }

  .fmb-tools-article-card__image {
    min-height: 170px;
    aspect-ratio: auto;
  }

  .fmb-tools-showcase__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  .fmb-tools-section {
    padding-block: clamp(24px, 7vw, 32px);
  }

  .fmb-tools-paths__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .fmb-featured-tool-section {
    padding-top: 0;
  }

  .fmb-featured-tool {
    grid-template-columns: 1fr;
  }

  .fmb-featured-tool__content {
    padding: 29px 24px;
  }

  .fmb-featured-tool__visual,
  .fmb-featured-tool__results {
    min-height: 190px;
    border-top: 1px solid rgba(255, 255, 255, .12);
    border-left: 0;
  }

  .fmb-tools-framework__steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .fmb-tools-framework__step:nth-child(2) {
    border-right: 0;
  }

  .fmb-tools-framework__step:nth-child(-n + 2) {
    border-bottom: 1px solid rgba(255, 255, 255, .13);
  }

  .fmb-tools-compare__grid {
    grid-template-columns: 1fr;
  }

  .fmb-tools-compare-card__image {
    height: 215px;
  }

  .fmb-tools-checkup__card {
    padding: 24px 22px;
  }

  /* Keep the article section visually distinct on tablet/mobile,
     but simplify the decorative treatment for smaller screens. */
  .fmb-tools-articles {
    background:
      linear-gradient(
        180deg,
        #f2f5f7 0%,
        #f7f8f9 100%
      );
  }

  .fmb-tools-articles::before,
  .fmb-tools-articles::after {
    display: none;
  }

  .fmb-tools-article-card {
    display: flex;
    flex-direction: column;
  }

  .fmb-tools-article-card__image {
    min-height: 185px;
    aspect-ratio: 16 / 9;
  }

  .fmb-tools-article-card__body {
    padding: 17px 18px 18px;
  }
}

@media (max-width: 560px) {
  .fmb-tools-paths__grid,
  .fmb-tools-library__grid,
  .fmb-tools-showcase__grid {
    grid-template-columns: 1fr;
  }

  .fmb-tools-path {
    min-height: 0;
    padding: 17px 17px 16px 58px;
  }

  .fmb-tools-path__icon {
    position: absolute;
    top: 17px;
    left: 17px;
    width: 28px;
    height: 28px;
    margin: 0;
  }

  .fmb-tools-path__icon svg {
    width: 23px;
    height: 23px;
  }

  .fmb-tools-path__copy small {
    padding-right: 18px;
  }

  .fmb-tools-path__arrow {
    bottom: 17px;
  }

  .fmb-tools-library__filters {
    flex-wrap: nowrap;
    overflow-x: auto;
    padding-bottom: 4px;
    scrollbar-width: thin;
  }

  .fmb-tool-filter {
    flex: 0 0 auto;
  }

  .fmb-tool-card {
    min-height: 0;
  }

  .fmb-tools-checkup__card {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .fmb-tools-checkup__icon {
    width: 52px;
    height: 52px;
  }

  .fmb-tools-checkup__list,
  .fmb-tools-checkup__card .fmb-tools-button {
    grid-column: 1;
  }

  .fmb-tools-checkup__list {
    grid-template-columns: 1fr 1fr;
  }

  .fmb-tools-framework__steps {
    grid-template-columns: 1fr;
    border-bottom: 0;
  }

  .fmb-tools-framework__step,
  .fmb-tools-framework__step:nth-child(2) {
    min-height: 0;
    padding: 18px 0;
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, .13);
  }

  .fmb-tools-faq-item__answer {
    padding-left: 16px;
  }

  .fmb-tools-method-card__icon,
  .fmb-tools-method-card__eyebrow,
  .fmb-tools-method-card h2,
  .fmb-tools-method-card__description,
  .fmb-tools-method-card__note,
  .fmb-tools-method-card__reviewed {
    margin-right: 21px;
    margin-left: 21px;
  }

  .fmb-tools-method-card__step {
    padding-right: 21px;
    padding-left: 21px;
  }

  .fmb-tools-method-card__links {
    padding-right: 21px;
    padding-left: 21px;
  }

  .fmb-tools-article-card__image {
    min-height: 170px;
  }

  .fmb-tools-article-card__body {
    padding: 15px 16px 17px;
  }

  .fmb-tools-article-card h3 {
    font-size: .96rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .fmb-tools-section *,
  .fmb-tools-showcase * {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}
/* =========================================================
   15. SHORTCODE-DRIVEN TOOL PAGES + SHARED TOOL CTA
   ========================================================= */

/* Single Tool records no longer receive a theme-generated hero or shell.
   Every section controls its own full-bleed background and readable shell. */
.fmb-tool-page--shortcode-driven {
  width: 100%;
  max-width: none;
  margin: 0;
  padding: 0;
  overflow-x: clip;
  background: #fff;
}

.fmb-tool-page--shortcode-driven > :first-child {
  margin-top: 0 !important;
}

.fmb-tool-page--shortcode-driven > :last-child {
  margin-bottom: 0 !important;
}

/* Standard FMB action treatment for Tool directory cards. */
.fmb-tool-card__footer {
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--fmb-tools-border);
}

.fmb-tool-card__cta {
  display: flex;
  width: 100%;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 10px 16px;
  border: 1px solid var(--fmb-gold-dark);
  border-radius: 4px;
  background: #fff;
  color: var(--fmb-navy);
  font-size: 0.74rem;
  font-weight: 800;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  transition: background var(--fmb-transition), border-color var(--fmb-transition), color var(--fmb-transition), box-shadow var(--fmb-transition), transform var(--fmb-transition);
}

.fmb-tool-card__cta span {
  color: currentColor;
  transition: transform var(--fmb-transition);
}

.fmb-tool-card__cta:hover,
.fmb-tool-card__cta:focus-visible {
  border-color: var(--fmb-gold);
  background: var(--fmb-gold);
  color: var(--fmb-navy);
  box-shadow: 0 8px 18px rgba(7, 24, 47, 0.08);
  transform: translateY(-1px);
}

.fmb-tool-card__cta:hover span,
.fmb-tool-card__cta:focus-visible span {
  transform: translateX(3px);
}

.fmb-tool-card__cta--disabled,
.fmb-tool-card__cta--disabled:hover {
  border-color: var(--fmb-tools-border);
  background: #f8f8f6;
  color: var(--fmb-muted);
  box-shadow: none;
  cursor: default;
  transform: none;
}

/* Showcase cards use the same action treatment as the main Tool library. */
.fmb-tools-showcase-card__bottom {
  padding-top: 14px;
  border-top: 1px solid var(--fmb-tools-border);
}

.fmb-tools-showcase-card__cta {
  display: flex;
  width: 100%;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 10px 16px;
  border: 1px solid var(--fmb-gold-dark);
  border-radius: 4px;
  background: #fff;
  color: var(--fmb-navy);
  font-size: .72rem;
  font-weight: 800;
  text-align: center;
  text-decoration: none;
  transition: background var(--fmb-transition), border-color var(--fmb-transition), box-shadow var(--fmb-transition), color var(--fmb-transition), transform var(--fmb-transition);
}

.fmb-tools-showcase-card__cta span {
  color: currentColor;
  transition: transform var(--fmb-transition);
}

.fmb-tools-showcase-card__cta:hover,
.fmb-tools-showcase-card__cta:focus-visible {
  border-color: var(--fmb-gold);
  background: var(--fmb-gold);
  color: var(--fmb-navy);
  box-shadow: 0 8px 18px rgba(7, 24, 47, .08);
  transform: translateY(-1px);
}

.fmb-tools-showcase-card__cta:hover span,
.fmb-tools-showcase-card__cta:focus-visible span {
  transform: translateX(3px);
}