/* Fresh Start hub interactive tools. One block per tool, prefixed .fs-t-<name>. */
/* shared */
.fs-tool{margin:0 0 28px;padding:22px;border:1px solid var(--fs-line,rgba(20,20,66,.12));border-radius:16px;background:#f8fafc;font-size:16px;line-height:1.55}
.fs-tool *,.fs-tool *::before,.fs-tool *::after{box-sizing:border-box}
.fs-tool .fs-t-intro{margin:0 0 16px;color:var(--fs-muted,#4b5563);font-size:15px}
.fs-tool fieldset{margin:0 0 16px;padding:14px 16px;border:1px solid var(--fs-line,rgba(20,20,66,.12));border-radius:12px;background:#fff;min-width:0}
.fs-tool legend{float:left;width:100%;margin:0 0 8px;padding:0;font-family:var(--font-display);font-weight:700;color:var(--fs-navy,#141442);font-size:16px;line-height:1.35}
.fs-tool legend+*{clear:both}
.fs-tool .fs-t-hint{display:block;margin:2px 0 8px;color:var(--fs-muted,#4b5563);font-size:14px;font-weight:400}
.fs-tool .fs-t-field{margin:0 0 14px}
.fs-tool .fs-t-field>label,.fs-tool .fs-t-label{display:block;margin:0 0 4px;font-weight:600;color:var(--fs-navy,#141442)}
.fs-tool input[type=text],.fs-tool input[type=number],.fs-tool input[type=date],.fs-tool input[type=month],.fs-tool select{display:block;width:100%;max-width:320px;min-height:44px;padding:8px 12px;border:1px solid #9aa3b5;border-radius:10px;background:#fff;color:#1f2937;font:inherit}
.fs-tool input:focus-visible,.fs-tool select:focus-visible,.fs-tool button:focus-visible{outline:3px solid var(--fs-green,#257525);outline-offset:2px}
.fs-tool .fs-t-options{display:grid;gap:6px;margin:0;padding:0;list-style:none}
.fs-tool .fs-t-options li{margin:0;padding:0}
.fs-tool .fs-t-options li::before{display:none}
.fs-tool .fs-t-choice{display:flex;align-items:flex-start;gap:10px;min-height:44px;padding:9px 12px;border:1px solid var(--fs-line,rgba(20,20,66,.12));border-radius:10px;cursor:pointer;font-weight:400;color:#1f2937}
.fs-tool .fs-t-choice:hover{border-color:var(--fs-green,#257525)}
.fs-tool .fs-t-choice input{flex:0 0 auto;width:20px;height:20px;margin:2px 0 0;accent-color:var(--fs-green,#257525)}
.fs-tool .fs-t-choice:has(input:checked){border-color:var(--fs-green,#257525);background:var(--fs-green-tint,#e8f3ea)}
.fs-tool .fs-t-actions{display:flex;flex-wrap:wrap;gap:10px;margin:6px 0 0}
.fs-tool button{min-height:44px;padding:10px 22px;border:2px solid var(--fs-green,#257525);border-radius:100px;background:var(--fs-green,#257525);color:#fff;font-family:var(--font-display);font-weight:700;font-size:15px;cursor:pointer}
.fs-tool button:hover{background:#1c5c1c;border-color:#1c5c1c}
.fs-tool button.fs-t-secondary{background:transparent;color:var(--fs-navy,#141442);border-color:currentColor}
.fs-tool .fs-t-error{margin:0 0 14px;padding:12px 14px;border-left:4px solid #b91c1c;border-radius:0 10px 10px 0;background:#fef2f2;color:#7f1d1d}
.fs-tool .fs-t-error:empty{display:none}
.fs-tool .fs-t-result{margin-top:18px}
.fs-tool .fs-t-result:empty{display:none}
.fs-tool .fs-t-result h3{margin:0 0 10px}
.fs-tool .fs-t-kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:10px;margin:0 0 16px;padding:0;list-style:none}
.fs-tool .fs-t-kpis li{margin:0;padding:14px 16px;border-radius:12px;background:var(--fs-navy,#141442);color:#dbe0f5;font-size:14px;line-height:1.4}
.fs-tool .fs-t-kpis li::before{display:none}
.fs-tool .fs-t-kpis strong{display:block;font-family:var(--font-display);font-size:24px;line-height:1.15;color:#fff;margin-bottom:4px;overflow-wrap:anywhere}
.fs-tool .fs-t-note{margin:0 0 12px;padding:12px 14px;border-left:4px solid var(--fs-navy,#141442);border-radius:0 10px 10px 0;background:#eef0f6;font-size:15px}
.fs-tool .fs-t-note--ok{border-left-color:var(--fs-green,#257525);background:var(--fs-green-tint,#e8f3ea)}
.fs-tool .fs-t-note--warn{border-left-color:#b45309;background:#fffbeb}
.fs-tool .fs-t-disclaimer{margin:14px 0 0;font-size:13px;color:var(--fs-muted,#4b5563)}
.fs-tool table{width:100%;border-collapse:collapse;margin:0 0 14px;font-size:15px;background:#fff}
.fs-tool th,.fs-tool td{padding:9px 10px;border-bottom:1px solid var(--fs-line,rgba(20,20,66,.12));text-align:left;vertical-align:top}
.fs-tool th{background:var(--fs-navy,#141442);color:#fff;font-weight:600}
.fs-tool .fs-t-num{text-align:right;white-space:nowrap}
.fs-tool .fs-t-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
@media (max-width:575px){.fs-tool{padding:16px 14px}.fs-tool fieldset{padding:12px}.fs-tool input[type=text],.fs-tool input[type=number],.fs-tool select{max-width:none}.fs-tool th,.fs-tool td{padding:8px 6px;font-size:14px}}
/* eligibility-checker (X1) */
.fs-t-eligibility-checker fieldset[aria-invalid=true]{border-color:#b91c1c;box-shadow:0 0 0 2px #fecaca}
.fs-t-eligibility-checker .fs-t-progress{margin:0 0 10px}
.fs-t-eligibility-checker .fs-t-ranked{margin:0 0 20px;padding:0;list-style:none;counter-reset:fsopt}
.fs-t-eligibility-checker .fs-t-opt{counter-increment:fsopt;position:relative;margin:0 0 12px;padding:16px 16px 14px 58px;border:1px solid var(--fs-line,rgba(20,20,66,.12));border-left:5px solid #9aa3b5;border-radius:12px;background:#fff}
.fs-t-eligibility-checker .fs-t-opt::before{content:counter(fsopt);position:absolute;left:14px;top:16px;width:30px;height:30px;border-radius:50%;background:var(--fs-navy,#141442);color:#fff;font-weight:700;text-align:center;line-height:30px;font-family:var(--font-display)}
.fs-t-eligibility-checker .fs-t-opt--1{border-left-color:var(--fs-green,#257525)}
.fs-t-eligibility-checker .fs-t-opt--1::before{background:var(--fs-green,#257525)}
.fs-t-eligibility-checker .fs-t-opt--2{border-left-color:var(--fs-navy,#141442)}
.fs-t-eligibility-checker .fs-t-tier{display:inline-block;margin:0 0 4px;padding:1px 10px;border-radius:100px;background:#eef0f6;color:var(--fs-navy,#141442);font-size:12px;font-weight:700;letter-spacing:.03em;text-transform:uppercase}
.fs-t-eligibility-checker .fs-t-opt--1 .fs-t-tier{background:var(--fs-green-tint,#e8f3ea);color:var(--fs-green,#257525)}
.fs-t-eligibility-checker .fs-t-opt-title{display:block;margin:0 0 6px;font-family:var(--font-display);font-size:18px;line-height:1.3;color:var(--fs-navy,#141442)}
.fs-t-eligibility-checker .fs-t-opt p{margin:0 0 8px}
.fs-t-eligibility-checker .fs-t-opt-links{margin:0!important;font-size:15px;font-weight:600}
@media (max-width:575px){.fs-t-eligibility-checker .fs-t-opt{padding:14px 12px 12px 50px}.fs-t-eligibility-checker .fs-t-opt::before{left:10px}}
/* payment-plan-calculator (X2) */
.fs-t-payment-plan-calculator input[aria-invalid=true]{border-color:#b91c1c;box-shadow:0 0 0 2px #fecaca}
.fs-t-payment-plan-calculator fieldset[hidden]{display:none}
.fs-t-payment-plan-calculator table th[scope=row]{background:transparent;color:#1f2937;font-weight:400}
.fs-t-payment-plan-calculator .fs-t-how{margin:0 0 14px;padding:12px 14px;border:1px solid var(--fs-line,rgba(20,20,66,.12));border-radius:12px;background:#fff}
.fs-t-payment-plan-calculator .fs-t-how summary{cursor:pointer;font-family:var(--font-display);font-weight:700;color:var(--fs-navy,#141442);min-height:32px}
.fs-t-payment-plan-calculator .fs-t-how ol{margin:10px 0 0;padding-left:22px;font-size:15px}
.fs-t-payment-plan-calculator .fs-t-how li{overflow-wrap:anywhere}
/* oic-calculator (X3) */
.fs-t-oic-calculator input[aria-invalid=true]{border-color:#b91c1c;box-shadow:0 0 0 2px #fecaca}
.fs-t-oic-calculator .fs-t-oic-calculator__prequal{margin:0 0 16px;padding:14px 16px;border:2px solid var(--fs-navy,#141442);border-radius:12px;background:#fff}
.fs-t-oic-calculator .fs-t-oic-calculator__prequal p{margin:0 0 6px}
.fs-t-oic-calculator .fs-t-oic-calculator__prequal p:last-child{margin:0;font-weight:700}
.fs-t-oic-calculator .fs-t-oic-calculator__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:0 16px}
.fs-t-oic-calculator .fs-t-oic-calculator__pair{margin:0 0 12px;padding:10px 14px 0;background:#f8fafc}
.fs-t-oic-calculator .fs-t-oic-calculator__pair legend{font-size:15px}
.fs-t-oic-calculator .fs-t-choice{margin:4px 0 0}
.fs-t-oic-calculator .fs-t-oic-calculator__scroll{max-width:100%;overflow-x:auto}
.fs-t-oic-calculator table th[scope=row]{background:transparent;color:#1f2937;font-weight:600}
.fs-t-oic-calculator table td{overflow-wrap:anywhere}
.fs-t-oic-calculator .fs-t-oic-calculator__caveats{margin:0 0 12px;padding-left:20px;font-size:14px;color:var(--fs-muted,#4b5563)}
.fs-t-oic-calculator .fs-t-oic-calculator__prequal-inline{margin:0;font-weight:700}
@media (max-width:575px){.fs-t-oic-calculator .fs-t-oic-calculator__grid{grid-template-columns:1fr}.fs-t-oic-calculator .fs-t-oic-calculator__pair{padding:8px 10px 0}}
/* penalty-interest-calculator (X4) */
.fs-t-penalty-interest-calculator input[aria-invalid=true]{border-color:#b91c1c;box-shadow:0 0 0 2px #fecaca}
.fs-t-penalty-interest-calculator .fs-t-penalty-interest-calculator__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:0 16px}
.fs-t-penalty-interest-calculator .fs-t-penalty-interest-calculator__radios{margin:4px 0 0;padding:0;border:0;background:transparent}
.fs-t-penalty-interest-calculator .fs-t-penalty-interest-calculator__radios legend{padding:0;margin:0 0 8px;font-size:15px}
.fs-t-penalty-interest-calculator .fs-t-penalty-interest-calculator__scroll{max-width:100%;overflow-x:auto}
.fs-t-penalty-interest-calculator table caption{caption-side:top;text-align:left;font-weight:700;color:var(--fs-navy,#141442);padding:0 0 6px}
.fs-t-penalty-interest-calculator table caption.fs-t-sr{padding:0}
.fs-t-penalty-interest-calculator table th[scope=row]{background:transparent;color:#1f2937;font-weight:600}
.fs-t-penalty-interest-calculator table td{overflow-wrap:anywhere}
.fs-t-penalty-interest-calculator .fs-t-penalty-interest-calculator__details{margin:0 0 14px;padding:12px 14px;border:1px solid var(--fs-line,rgba(20,20,66,.12));border-radius:12px;background:#fff}
.fs-t-penalty-interest-calculator .fs-t-penalty-interest-calculator__details summary{cursor:pointer;min-height:32px;font-family:var(--font-display);font-weight:700;color:var(--fs-navy,#141442)}
.fs-t-penalty-interest-calculator .fs-t-penalty-interest-calculator__caveats{margin:0 0 12px;padding-left:20px;font-size:14px;color:var(--fs-muted,#4b5563)}
@media (max-width:575px){.fs-t-penalty-interest-calculator .fs-t-penalty-interest-calculator__grid{grid-template-columns:1fr}.fs-t-penalty-interest-calculator input[type=date]{max-width:none}}