/* ===== funding-fee-refund ===== */
.valnTool[data-valn-tool="funding-fee-refund"]{
  --bg:#f4f7fb;
  --card:#ffffff;
  --line:#d9e2ef;
  --ink:#0f172a;
  --muted:#52607a;
  --blue:#1742c6;
  --blue-2:#2b63ff;
  --blue-soft:#eef3ff;
  --green:#0d7647;
  --green-soft:#edf8f2;
  --amber:#966200;
  --amber-soft:#fff8e6;
  --red:#a32020;
  --red-soft:#fff1f1;
  --shadow:0 14px 38px rgba(15,23,42,.08);
  --radius:18px;
}
.valnTool[data-valn-tool="funding-fee-refund"] *{box-sizing:border-box}
.valnTool[data-valn-tool="funding-fee-refund"], .valnTool[data-valn-tool="funding-fee-refund"]{margin:0;padding:0;background:linear-gradient(180deg,#f7f9fc 0%,#f2f5fa 100%);color:var(--ink);font:15px/1.45 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
.valnTool[data-valn-tool="funding-fee-refund"]{min-height:100vh}
.valnTool[data-valn-tool="funding-fee-refund"] a{color:var(--blue);text-decoration:none}
.valnTool[data-valn-tool="funding-fee-refund"] .shell{max-width:1180px;margin:0 auto;padding:18px}
.valnTool[data-valn-tool="funding-fee-refund"] .hero{background:linear-gradient(135deg,#0f172a 0%,#14307d 58%,#1f5dff 100%);color:#fff;border-radius:24px;padding:20px 20px 18px;position:relative;overflow:hidden;box-shadow:var(--shadow)}
.valnTool[data-valn-tool="funding-fee-refund"] .hero::after{content:"";position:absolute;right:-120px;top:-120px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.16),rgba(255,255,255,0) 66%)}
.valnTool[data-valn-tool="funding-fee-refund"] .eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 11px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);font-size:12px;font-weight:700;letter-spacing:.02em}
.valnTool[data-valn-tool="funding-fee-refund"] .hero h2{color:#ffffff;margin:12px 0 8px;font-size:clamp(1.8rem,4vw,2.55rem);line-height:1.04}
.valnTool[data-valn-tool="funding-fee-refund"] .lead{margin:0;max-width:920px;color:rgba(255,255,255,.92);font-size:.98rem}
.valnTool[data-valn-tool="funding-fee-refund"] .hero-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.valnTool[data-valn-tool="funding-fee-refund"] .hero-meta .badge{padding:7px 11px;border-radius:999px;font-size:12px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16)}
.valnTool[data-valn-tool="funding-fee-refund"] .layout{display:grid;grid-template-columns:1.03fr .97fr;gap:16px;margin-top:16px;align-items:start}
.valnTool[data-valn-tool="funding-fee-refund"] .card{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow)}
.valnTool[data-valn-tool="funding-fee-refund"] .card-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:16px 16px 0}
.valnTool[data-valn-tool="funding-fee-refund"] .card-head h2{margin:0;font-size:1.02rem}
.valnTool[data-valn-tool="funding-fee-refund"] .card-head p{margin:5px 0 0;color:var(--muted);font-size:13px}
.valnTool[data-valn-tool="funding-fee-refund"] .pad{padding:16px}
.valnTool[data-valn-tool="funding-fee-refund"] .status-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.valnTool[data-valn-tool="funding-fee-refund"] .status{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:12px;font-weight:700;color:var(--muted)}
.valnTool[data-valn-tool="funding-fee-refund"] .status-dot{width:8px;height:8px;border-radius:50%;background:#9aa9bd}
.valnTool[data-valn-tool="funding-fee-refund"] .status.good .status-dot{background:var(--green)}
.valnTool[data-valn-tool="funding-fee-refund"] .status.warn .status-dot{background:var(--amber)}
.valnTool[data-valn-tool="funding-fee-refund"] .status.bad .status-dot{background:var(--red)}
.valnTool[data-valn-tool="funding-fee-refund"] form{padding:14px 16px 16px}
.valnTool[data-valn-tool="funding-fee-refund"] .grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:10px}
.valnTool[data-valn-tool="funding-fee-refund"] .field{grid-column:span 4;min-width:0}
.valnTool[data-valn-tool="funding-fee-refund"] .field.span-6{grid-column:span 6}
.valnTool[data-valn-tool="funding-fee-refund"] .field.span-8{grid-column:span 8}
.valnTool[data-valn-tool="funding-fee-refund"] .field.span-12{grid-column:span 12}
.valnTool[data-valn-tool="funding-fee-refund"] .field.mobile-half{grid-column:span 3}
.valnTool[data-valn-tool="funding-fee-refund"] .field label{display:block;font-size:12px;font-weight:800;letter-spacing:.01em;margin:0 0 5px}
.valnTool[data-valn-tool="funding-fee-refund"] .field small{display:block;margin-top:4px;color:var(--muted);font-size:11px;line-height:1.35}
.valnTool[data-valn-tool="funding-fee-refund"] input[type="text"], .valnTool[data-valn-tool="funding-fee-refund"] input[type="number"], .valnTool[data-valn-tool="funding-fee-refund"] input[type="date"], .valnTool[data-valn-tool="funding-fee-refund"] select, .valnTool[data-valn-tool="funding-fee-refund"] textarea{
  width:100%;padding:10px 11px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--ink);font:inherit;outline:none;transition:border-color .16s ease, box-shadow .16s ease;
}
.valnTool[data-valn-tool="funding-fee-refund"] input:focus, .valnTool[data-valn-tool="funding-fee-refund"] select:focus, .valnTool[data-valn-tool="funding-fee-refund"] textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="funding-fee-refund"] input[readonly]{background:#f8fafc}
.valnTool[data-valn-tool="funding-fee-refund"] .inline-help{font-size:11px;color:var(--muted);margin-top:5px}
.valnTool[data-valn-tool="funding-fee-refund"] .seg{display:grid;grid-template-columns:repeat(var(--cols,2),minmax(0,1fr));gap:6px}
.valnTool[data-valn-tool="funding-fee-refund"] .seg input{position:absolute;opacity:0;pointer-events:none}
.valnTool[data-valn-tool="funding-fee-refund"] .seg label{display:block}
.valnTool[data-valn-tool="funding-fee-refund"] .seg span{
  display:flex;align-items:center;justify-content:center;min-height:40px;padding:8px 10px;border-radius:12px;border:1px solid var(--line);background:#fff;font-size:12px;font-weight:800;color:var(--ink);text-align:center;cursor:pointer;transition:all .16s ease;
}
.valnTool[data-valn-tool="funding-fee-refund"] .seg input:checked + span{background:var(--blue-soft);border-color:rgba(23,66,198,.38);color:#17307d;box-shadow:inset 0 0 0 1px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="funding-fee-refund"] .seg input:focus + span{box-shadow:0 0 0 4px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="funding-fee-refund"] .subpanel{margin-top:10px;padding:12px;border:1px solid var(--line);border-radius:16px;background:#fbfcff}
.valnTool[data-valn-tool="funding-fee-refund"] .subpanel h3{margin:0 0 8px;font-size:.92rem}
.valnTool[data-valn-tool="funding-fee-refund"] .subpanel p{margin:0 0 10px;color:var(--muted);font-size:12px}
.valnTool[data-valn-tool="funding-fee-refund"] .hidden{display:none !important}
.valnTool[data-valn-tool="funding-fee-refund"] .form-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.valnTool[data-valn-tool="funding-fee-refund"] .btn{appearance:none;border:0;border-radius:12px;padding:11px 14px;font-weight:900;font:inherit;cursor:pointer;transition:all .16s ease}
.valnTool[data-valn-tool="funding-fee-refund"] .btn.primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(23,66,198,.22)}
.valnTool[data-valn-tool="funding-fee-refund"] .btn.secondary{background:#eef2ff;color:#17307d}
.valnTool[data-valn-tool="funding-fee-refund"] .btn.ghost{background:#fff;border:1px solid var(--line);color:var(--ink)}
.valnTool[data-valn-tool="funding-fee-refund"] .btn:active{transform:translateY(1px)}
.valnTool[data-valn-tool="funding-fee-refund"] .drawer{display:none;margin-top:12px;padding-top:12px;border-top:1px solid var(--line)}
.valnTool[data-valn-tool="funding-fee-refund"] .drawer.open{display:block}
.valnTool[data-valn-tool="funding-fee-refund"] .result-card{position:sticky;top:16px;overflow:hidden}
.valnTool[data-valn-tool="funding-fee-refund"] .summary{padding:16px 16px 12px;background:linear-gradient(180deg,#fcfdff 0%,#f8fbff 100%);border-bottom:1px solid var(--line)}
.valnTool[data-valn-tool="funding-fee-refund"] .pill-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:10px}
.valnTool[data-valn-tool="funding-fee-refund"] .pill{display:inline-flex;align-items:center;gap:6px;padding:7px 10px;border-radius:999px;font-size:12px;font-weight:800;border:1px solid transparent}
.valnTool[data-valn-tool="funding-fee-refund"] .pill.good{background:var(--green-soft);color:var(--green);border-color:rgba(13,118,71,.12)}
.valnTool[data-valn-tool="funding-fee-refund"] .pill.warn{background:var(--amber-soft);color:var(--amber);border-color:rgba(150,98,0,.12)}
.valnTool[data-valn-tool="funding-fee-refund"] .pill.bad{background:var(--red-soft);color:var(--red);border-color:rgba(163,32,32,.12)}
.valnTool[data-valn-tool="funding-fee-refund"] .pill.info{background:var(--blue-soft);color:#17307d;border-color:rgba(23,66,198,.14)}
.valnTool[data-valn-tool="funding-fee-refund"] .summary h2{margin:0 0 6px;font-size:1.12rem;line-height:1.2}
.valnTool[data-valn-tool="funding-fee-refund"] .summary p{margin:0;color:var(--muted);font-size:13px}
.valnTool[data-valn-tool="funding-fee-refund"] .metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;padding:14px 16px}
.valnTool[data-valn-tool="funding-fee-refund"] .metric{padding:12px;border-radius:16px;border:1px solid var(--line);background:#fff}
.valnTool[data-valn-tool="funding-fee-refund"] .metric .label{font-size:12px;color:var(--muted);margin-bottom:5px}
.valnTool[data-valn-tool="funding-fee-refund"] .metric .value{font-size:1.22rem;font-weight:900;line-height:1.1}
.valnTool[data-valn-tool="funding-fee-refund"] .metric .note{font-size:11px;color:var(--muted);margin-top:6px;line-height:1.35}
.valnTool[data-valn-tool="funding-fee-refund"] .block{padding:0 16px 14px}
.valnTool[data-valn-tool="funding-fee-refund"] .block + .block{padding-top:14px;border-top:1px solid var(--line)}
.valnTool[data-valn-tool="funding-fee-refund"] .block h3{margin:0 0 8px;font-size:.95rem}
.valnTool[data-valn-tool="funding-fee-refund"] .list{display:grid;gap:8px;margin:0;padding:0;list-style:none}
.valnTool[data-valn-tool="funding-fee-refund"] .list li{display:grid;grid-template-columns:1fr auto;gap:12px;padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="funding-fee-refund"] .list strong{display:block;font-size:13px;margin-bottom:2px}
.valnTool[data-valn-tool="funding-fee-refund"] .list span{display:block;color:var(--muted);font-size:12px;line-height:1.35}
.valnTool[data-valn-tool="funding-fee-refund"] .list b{font-size:13px;align-self:center}
.valnTool[data-valn-tool="funding-fee-refund"] .checkpoint{display:grid;gap:8px}
.valnTool[data-valn-tool="funding-fee-refund"] .checkpoint .row{padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="funding-fee-refund"] .checkpoint .row strong{display:block;font-size:13px;margin-bottom:3px}
.valnTool[data-valn-tool="funding-fee-refund"] .checkpoint .row span{display:block;color:var(--muted);font-size:12px;line-height:1.35}
.valnTool[data-valn-tool="funding-fee-refund"] .copy-wrap{display:grid;gap:8px}
.valnTool[data-valn-tool="funding-fee-refund"] textarea{min-height:128px;resize:vertical}
.valnTool[data-valn-tool="funding-fee-refund"] .small-note{font-size:12px;color:var(--muted)}
.valnTool[data-valn-tool="funding-fee-refund"] .footer-note{margin-top:14px;padding:14px 16px;border:1px solid var(--line);border-radius:16px;background:#fff;font-size:12px;color:var(--muted)}
.valnTool[data-valn-tool="funding-fee-refund"] .mono{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}
.valnTool[data-valn-tool="funding-fee-refund"] .kpi{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:var(--blue-soft);color:#17307d;font-size:12px;font-weight:800;border:1px solid rgba(23,66,198,.14)}
.valnTool[data-valn-tool="funding-fee-refund"] .table-card{padding:12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="funding-fee-refund"] .table-card .row{display:grid;grid-template-columns:1fr auto;gap:8px;padding:8px 0;border-top:1px solid #eef2f7}
.valnTool[data-valn-tool="funding-fee-refund"] .table-card .row:first-child{border-top:0;padding-top:0}
.valnTool[data-valn-tool="funding-fee-refund"] .table-card .row:last-child{padding-bottom:0}
.valnTool[data-valn-tool="funding-fee-refund"] .callout{padding:12px;border-radius:16px;border:1px solid var(--line);background:#fbfcff;font-size:12px;color:var(--muted);line-height:1.45}
@media (max-width: 980px){
  .valnTool[data-valn-tool="funding-fee-refund"] .layout{grid-template-columns:1fr}
  .valnTool[data-valn-tool="funding-fee-refund"] .result-card{position:static}
}
@media (max-width: 740px){
  .valnTool[data-valn-tool="funding-fee-refund"] .shell{padding:12px}
  .valnTool[data-valn-tool="funding-fee-refund"] .hero{padding:16px 14px}
  .valnTool[data-valn-tool="funding-fee-refund"] .card-head{padding:14px 14px 0}
  .valnTool[data-valn-tool="funding-fee-refund"] form, .valnTool[data-valn-tool="funding-fee-refund"] .pad, .valnTool[data-valn-tool="funding-fee-refund"] .summary, .valnTool[data-valn-tool="funding-fee-refund"] .metrics, .valnTool[data-valn-tool="funding-fee-refund"] .block{padding-left:14px;padding-right:14px}
  .valnTool[data-valn-tool="funding-fee-refund"] .grid{grid-template-columns:repeat(6,minmax(0,1fr));gap:8px}
  .valnTool[data-valn-tool="funding-fee-refund"] .field, .valnTool[data-valn-tool="funding-fee-refund"] .field.span-6, .valnTool[data-valn-tool="funding-fee-refund"] .field.span-8{grid-column:span 6}
  .valnTool[data-valn-tool="funding-fee-refund"] .field.mobile-half{grid-column:span 3}
  .valnTool[data-valn-tool="funding-fee-refund"] .seg span{min-height:38px;padding:8px}
  .valnTool[data-valn-tool="funding-fee-refund"] .metrics{grid-template-columns:1fr 1fr;gap:8px}
  .valnTool[data-valn-tool="funding-fee-refund"] .metric{padding:10px}
  .valnTool[data-valn-tool="funding-fee-refund"] .metric .value{font-size:1.06rem}
  .valnTool[data-valn-tool="funding-fee-refund"] .list li{grid-template-columns:1fr}
}

/* ===== student-loan-ibr ===== */
.valnTool[data-valn-tool="student-loan-ibr"]{
  --bg:#f4f7fb;
  --card:#ffffff;
  --line:#d9e2ef;
  --ink:#0f172a;
  --muted:#52607a;
  --blue:#1742c6;
  --blue-2:#2b63ff;
  --blue-soft:#eef3ff;
  --green:#0d7647;
  --green-soft:#edf8f2;
  --amber:#966200;
  --amber-soft:#fff8e6;
  --red:#a32020;
  --red-soft:#fff1f1;
  --shadow:0 14px 38px rgba(15,23,42,.08);
  --radius:18px;
}
.valnTool[data-valn-tool="student-loan-ibr"] *{box-sizing:border-box}
.valnTool[data-valn-tool="student-loan-ibr"], .valnTool[data-valn-tool="student-loan-ibr"]{margin:0;padding:0;background:linear-gradient(180deg,#f7f9fc 0%,#f2f5fa 100%);color:var(--ink);font:15px/1.45 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
.valnTool[data-valn-tool="student-loan-ibr"]{min-height:100vh}
.valnTool[data-valn-tool="student-loan-ibr"] a{color:var(--blue);text-decoration:none}
.valnTool[data-valn-tool="student-loan-ibr"] .shell{max-width:1180px;margin:0 auto;padding:18px}
.valnTool[data-valn-tool="student-loan-ibr"] .hero{background:linear-gradient(135deg,#0f172a 0%,#14307d 58%,#1f5dff 100%);color:#fff;border-radius:24px;padding:20px 20px 18px;position:relative;overflow:hidden;box-shadow:var(--shadow)}
.valnTool[data-valn-tool="student-loan-ibr"] .hero::after{content:"";position:absolute;right:-120px;top:-120px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.16),rgba(255,255,255,0) 66%)}
.valnTool[data-valn-tool="student-loan-ibr"] .eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 11px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);font-size:12px;font-weight:700;letter-spacing:.02em}
.valnTool[data-valn-tool="student-loan-ibr"] .hero h2{color:#ffffff;margin:12px 0 8px;font-size:clamp(1.8rem,4vw,2.55rem);line-height:1.04}
.valnTool[data-valn-tool="student-loan-ibr"] .lead{margin:0;max-width:920px;color:rgba(255,255,255,.92);font-size:.98rem}
.valnTool[data-valn-tool="student-loan-ibr"] .hero-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.valnTool[data-valn-tool="student-loan-ibr"] .hero-meta .badge{padding:7px 11px;border-radius:999px;font-size:12px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16)}
.valnTool[data-valn-tool="student-loan-ibr"] .layout{display:grid;grid-template-columns:1.03fr .97fr;gap:16px;margin-top:16px;align-items:start}
.valnTool[data-valn-tool="student-loan-ibr"] .card{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow)}
.valnTool[data-valn-tool="student-loan-ibr"] .card-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:16px 16px 0}
.valnTool[data-valn-tool="student-loan-ibr"] .card-head h2{margin:0;font-size:1.02rem}
.valnTool[data-valn-tool="student-loan-ibr"] .card-head p{margin:5px 0 0;color:var(--muted);font-size:13px}
.valnTool[data-valn-tool="student-loan-ibr"] .pad{padding:16px}
.valnTool[data-valn-tool="student-loan-ibr"] .status-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.valnTool[data-valn-tool="student-loan-ibr"] .status{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:12px;font-weight:700;color:var(--muted)}
.valnTool[data-valn-tool="student-loan-ibr"] .status-dot{width:8px;height:8px;border-radius:50%;background:#9aa9bd}
.valnTool[data-valn-tool="student-loan-ibr"] .status.good .status-dot{background:var(--green)}
.valnTool[data-valn-tool="student-loan-ibr"] .status.warn .status-dot{background:var(--amber)}
.valnTool[data-valn-tool="student-loan-ibr"] .status.bad .status-dot{background:var(--red)}
.valnTool[data-valn-tool="student-loan-ibr"] form{padding:14px 16px 16px}
.valnTool[data-valn-tool="student-loan-ibr"] .grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:10px}
.valnTool[data-valn-tool="student-loan-ibr"] .field{grid-column:span 4;min-width:0}
.valnTool[data-valn-tool="student-loan-ibr"] .field.span-6{grid-column:span 6}
.valnTool[data-valn-tool="student-loan-ibr"] .field.span-8{grid-column:span 8}
.valnTool[data-valn-tool="student-loan-ibr"] .field.span-12{grid-column:span 12}
.valnTool[data-valn-tool="student-loan-ibr"] .field.mobile-half{grid-column:span 3}
.valnTool[data-valn-tool="student-loan-ibr"] .field label{display:block;font-size:12px;font-weight:800;letter-spacing:.01em;margin:0 0 5px}
.valnTool[data-valn-tool="student-loan-ibr"] .field small{display:block;margin-top:4px;color:var(--muted);font-size:11px;line-height:1.35}
.valnTool[data-valn-tool="student-loan-ibr"] input[type="text"], .valnTool[data-valn-tool="student-loan-ibr"] input[type="number"], .valnTool[data-valn-tool="student-loan-ibr"] input[type="date"], .valnTool[data-valn-tool="student-loan-ibr"] select, .valnTool[data-valn-tool="student-loan-ibr"] textarea{
  width:100%;padding:10px 11px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--ink);font:inherit;outline:none;transition:border-color .16s ease, box-shadow .16s ease;
}
.valnTool[data-valn-tool="student-loan-ibr"] input:focus, .valnTool[data-valn-tool="student-loan-ibr"] select:focus, .valnTool[data-valn-tool="student-loan-ibr"] textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="student-loan-ibr"] input[readonly]{background:#f8fafc}
.valnTool[data-valn-tool="student-loan-ibr"] .inline-help{font-size:11px;color:var(--muted);margin-top:5px}
.valnTool[data-valn-tool="student-loan-ibr"] .seg{display:grid;grid-template-columns:repeat(var(--cols,2),minmax(0,1fr));gap:6px}
.valnTool[data-valn-tool="student-loan-ibr"] .seg input{position:absolute;opacity:0;pointer-events:none}
.valnTool[data-valn-tool="student-loan-ibr"] .seg label{display:block}
.valnTool[data-valn-tool="student-loan-ibr"] .seg span{
  display:flex;align-items:center;justify-content:center;min-height:40px;padding:8px 10px;border-radius:12px;border:1px solid var(--line);background:#fff;font-size:12px;font-weight:800;color:var(--ink);text-align:center;cursor:pointer;transition:all .16s ease;
}
.valnTool[data-valn-tool="student-loan-ibr"] .seg input:checked + span{background:var(--blue-soft);border-color:rgba(23,66,198,.38);color:#17307d;box-shadow:inset 0 0 0 1px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="student-loan-ibr"] .seg input:focus + span{box-shadow:0 0 0 4px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="student-loan-ibr"] .subpanel{margin-top:10px;padding:12px;border:1px solid var(--line);border-radius:16px;background:#fbfcff}
.valnTool[data-valn-tool="student-loan-ibr"] .subpanel h3{margin:0 0 8px;font-size:.92rem}
.valnTool[data-valn-tool="student-loan-ibr"] .subpanel p{margin:0 0 10px;color:var(--muted);font-size:12px}
.valnTool[data-valn-tool="student-loan-ibr"] .hidden{display:none !important}
.valnTool[data-valn-tool="student-loan-ibr"] .form-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.valnTool[data-valn-tool="student-loan-ibr"] .btn{appearance:none;border:0;border-radius:12px;padding:11px 14px;font-weight:900;font:inherit;cursor:pointer;transition:all .16s ease}
.valnTool[data-valn-tool="student-loan-ibr"] .btn.primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(23,66,198,.22)}
.valnTool[data-valn-tool="student-loan-ibr"] .btn.secondary{background:#eef2ff;color:#17307d}
.valnTool[data-valn-tool="student-loan-ibr"] .btn.ghost{background:#fff;border:1px solid var(--line);color:var(--ink)}
.valnTool[data-valn-tool="student-loan-ibr"] .btn:active{transform:translateY(1px)}
.valnTool[data-valn-tool="student-loan-ibr"] .drawer{display:none;margin-top:12px;padding-top:12px;border-top:1px solid var(--line)}
.valnTool[data-valn-tool="student-loan-ibr"] .drawer.open{display:block}
.valnTool[data-valn-tool="student-loan-ibr"] .result-card{position:sticky;top:16px;overflow:hidden}
.valnTool[data-valn-tool="student-loan-ibr"] .summary{padding:16px 16px 12px;background:linear-gradient(180deg,#fcfdff 0%,#f8fbff 100%);border-bottom:1px solid var(--line)}
.valnTool[data-valn-tool="student-loan-ibr"] .pill-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:10px}
.valnTool[data-valn-tool="student-loan-ibr"] .pill{display:inline-flex;align-items:center;gap:6px;padding:7px 10px;border-radius:999px;font-size:12px;font-weight:800;border:1px solid transparent}
.valnTool[data-valn-tool="student-loan-ibr"] .pill.good{background:var(--green-soft);color:var(--green);border-color:rgba(13,118,71,.12)}
.valnTool[data-valn-tool="student-loan-ibr"] .pill.warn{background:var(--amber-soft);color:var(--amber);border-color:rgba(150,98,0,.12)}
.valnTool[data-valn-tool="student-loan-ibr"] .pill.bad{background:var(--red-soft);color:var(--red);border-color:rgba(163,32,32,.12)}
.valnTool[data-valn-tool="student-loan-ibr"] .pill.info{background:var(--blue-soft);color:#17307d;border-color:rgba(23,66,198,.14)}
.valnTool[data-valn-tool="student-loan-ibr"] .summary h2{margin:0 0 6px;font-size:1.12rem;line-height:1.2}
.valnTool[data-valn-tool="student-loan-ibr"] .summary p{margin:0;color:var(--muted);font-size:13px}
.valnTool[data-valn-tool="student-loan-ibr"] .metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;padding:14px 16px}
.valnTool[data-valn-tool="student-loan-ibr"] .metric{padding:12px;border-radius:16px;border:1px solid var(--line);background:#fff}
.valnTool[data-valn-tool="student-loan-ibr"] .metric .label{font-size:12px;color:var(--muted);margin-bottom:5px}
.valnTool[data-valn-tool="student-loan-ibr"] .metric .value{font-size:1.22rem;font-weight:900;line-height:1.1}
.valnTool[data-valn-tool="student-loan-ibr"] .metric .note{font-size:11px;color:var(--muted);margin-top:6px;line-height:1.35}
.valnTool[data-valn-tool="student-loan-ibr"] .block{padding:0 16px 14px}
.valnTool[data-valn-tool="student-loan-ibr"] .block + .block{padding-top:14px;border-top:1px solid var(--line)}
.valnTool[data-valn-tool="student-loan-ibr"] .block h3{margin:0 0 8px;font-size:.95rem}
.valnTool[data-valn-tool="student-loan-ibr"] .list{display:grid;gap:8px;margin:0;padding:0;list-style:none}
.valnTool[data-valn-tool="student-loan-ibr"] .list li{display:grid;grid-template-columns:1fr auto;gap:12px;padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="student-loan-ibr"] .list strong{display:block;font-size:13px;margin-bottom:2px}
.valnTool[data-valn-tool="student-loan-ibr"] .list span{display:block;color:var(--muted);font-size:12px;line-height:1.35}
.valnTool[data-valn-tool="student-loan-ibr"] .list b{font-size:13px;align-self:center}
.valnTool[data-valn-tool="student-loan-ibr"] .checkpoint{display:grid;gap:8px}
.valnTool[data-valn-tool="student-loan-ibr"] .checkpoint .row{padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="student-loan-ibr"] .checkpoint .row strong{display:block;font-size:13px;margin-bottom:3px}
.valnTool[data-valn-tool="student-loan-ibr"] .checkpoint .row span{display:block;color:var(--muted);font-size:12px;line-height:1.35}
.valnTool[data-valn-tool="student-loan-ibr"] .copy-wrap{display:grid;gap:8px}
.valnTool[data-valn-tool="student-loan-ibr"] textarea{min-height:128px;resize:vertical}
.valnTool[data-valn-tool="student-loan-ibr"] .small-note{font-size:12px;color:var(--muted)}
.valnTool[data-valn-tool="student-loan-ibr"] .footer-note{margin-top:14px;padding:14px 16px;border:1px solid var(--line);border-radius:16px;background:#fff;font-size:12px;color:var(--muted)}
.valnTool[data-valn-tool="student-loan-ibr"] .mono{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}
.valnTool[data-valn-tool="student-loan-ibr"] .kpi{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:var(--blue-soft);color:#17307d;font-size:12px;font-weight:800;border:1px solid rgba(23,66,198,.14)}
.valnTool[data-valn-tool="student-loan-ibr"] .table-card{padding:12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="student-loan-ibr"] .table-card .row{display:grid;grid-template-columns:1fr auto;gap:8px;padding:8px 0;border-top:1px solid #eef2f7}
.valnTool[data-valn-tool="student-loan-ibr"] .table-card .row:first-child{border-top:0;padding-top:0}
.valnTool[data-valn-tool="student-loan-ibr"] .table-card .row:last-child{padding-bottom:0}
.valnTool[data-valn-tool="student-loan-ibr"] .callout{padding:12px;border-radius:16px;border:1px solid var(--line);background:#fbfcff;font-size:12px;color:var(--muted);line-height:1.45}
@media (max-width: 980px){
  .valnTool[data-valn-tool="student-loan-ibr"] .layout{grid-template-columns:1fr}
  .valnTool[data-valn-tool="student-loan-ibr"] .result-card{position:static}
}
@media (max-width: 740px){
  .valnTool[data-valn-tool="student-loan-ibr"] .shell{padding:12px}
  .valnTool[data-valn-tool="student-loan-ibr"] .hero{padding:16px 14px}
  .valnTool[data-valn-tool="student-loan-ibr"] .card-head{padding:14px 14px 0}
  .valnTool[data-valn-tool="student-loan-ibr"] form, .valnTool[data-valn-tool="student-loan-ibr"] .pad, .valnTool[data-valn-tool="student-loan-ibr"] .summary, .valnTool[data-valn-tool="student-loan-ibr"] .metrics, .valnTool[data-valn-tool="student-loan-ibr"] .block{padding-left:14px;padding-right:14px}
  .valnTool[data-valn-tool="student-loan-ibr"] .grid{grid-template-columns:repeat(6,minmax(0,1fr));gap:8px}
  .valnTool[data-valn-tool="student-loan-ibr"] .field, .valnTool[data-valn-tool="student-loan-ibr"] .field.span-6, .valnTool[data-valn-tool="student-loan-ibr"] .field.span-8{grid-column:span 6}
  .valnTool[data-valn-tool="student-loan-ibr"] .field.mobile-half{grid-column:span 3}
  .valnTool[data-valn-tool="student-loan-ibr"] .seg span{min-height:38px;padding:8px}
  .valnTool[data-valn-tool="student-loan-ibr"] .metrics{grid-template-columns:1fr 1fr;gap:8px}
  .valnTool[data-valn-tool="student-loan-ibr"] .metric{padding:10px}
  .valnTool[data-valn-tool="student-loan-ibr"] .metric .value{font-size:1.06rem}
  .valnTool[data-valn-tool="student-loan-ibr"] .list li{grid-template-columns:1fr}
}

/* ===== job-change-impact ===== */
.valnTool[data-valn-tool="job-change-impact"]{
  --bg:#f4f7fb;
  --card:#ffffff;
  --line:#d9e2ef;
  --ink:#0f172a;
  --muted:#52607a;
  --blue:#1742c6;
  --blue-2:#2b63ff;
  --blue-soft:#eef3ff;
  --green:#0d7647;
  --green-soft:#edf8f2;
  --amber:#966200;
  --amber-soft:#fff8e6;
  --red:#a32020;
  --red-soft:#fff1f1;
  --shadow:0 14px 38px rgba(15,23,42,.08);
  --radius:18px;
}
.valnTool[data-valn-tool="job-change-impact"] *{box-sizing:border-box}
.valnTool[data-valn-tool="job-change-impact"], .valnTool[data-valn-tool="job-change-impact"]{margin:0;padding:0;background:linear-gradient(180deg,#f7f9fc 0%,#f2f5fa 100%);color:var(--ink);font:15px/1.45 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
.valnTool[data-valn-tool="job-change-impact"]{min-height:100vh}
.valnTool[data-valn-tool="job-change-impact"] a{color:var(--blue);text-decoration:none}
.valnTool[data-valn-tool="job-change-impact"] .shell{max-width:1180px;margin:0 auto;padding:18px}
.valnTool[data-valn-tool="job-change-impact"] .hero{background:linear-gradient(135deg,#0f172a 0%,#14307d 58%,#1f5dff 100%);color:#fff;border-radius:24px;padding:20px 20px 18px;position:relative;overflow:hidden;box-shadow:var(--shadow)}
.valnTool[data-valn-tool="job-change-impact"] .hero::after{content:"";position:absolute;right:-120px;top:-120px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.16),rgba(255,255,255,0) 66%)}
.valnTool[data-valn-tool="job-change-impact"] .eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 11px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);font-size:12px;font-weight:700;letter-spacing:.02em}
.valnTool[data-valn-tool="job-change-impact"] .hero h2{color:#ffffff;margin:12px 0 8px;font-size:clamp(1.8rem,4vw,2.55rem);line-height:1.04}
.valnTool[data-valn-tool="job-change-impact"] .lead{margin:0;max-width:920px;color:rgba(255,255,255,.92);font-size:.98rem}
.valnTool[data-valn-tool="job-change-impact"] .hero-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.valnTool[data-valn-tool="job-change-impact"] .hero-meta .badge{padding:7px 11px;border-radius:999px;font-size:12px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16)}
.valnTool[data-valn-tool="job-change-impact"] .layout{display:grid;grid-template-columns:1.03fr .97fr;gap:16px;margin-top:16px;align-items:start}
.valnTool[data-valn-tool="job-change-impact"] .card{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow)}
.valnTool[data-valn-tool="job-change-impact"] .card-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:16px 16px 0}
.valnTool[data-valn-tool="job-change-impact"] .card-head h2{margin:0;font-size:1.02rem}
.valnTool[data-valn-tool="job-change-impact"] .card-head p{margin:5px 0 0;color:var(--muted);font-size:13px}
.valnTool[data-valn-tool="job-change-impact"] .pad{padding:16px}
.valnTool[data-valn-tool="job-change-impact"] .status-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.valnTool[data-valn-tool="job-change-impact"] .status{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:12px;font-weight:700;color:var(--muted)}
.valnTool[data-valn-tool="job-change-impact"] .status-dot{width:8px;height:8px;border-radius:50%;background:#9aa9bd}
.valnTool[data-valn-tool="job-change-impact"] .status.good .status-dot{background:var(--green)}
.valnTool[data-valn-tool="job-change-impact"] .status.warn .status-dot{background:var(--amber)}
.valnTool[data-valn-tool="job-change-impact"] .status.bad .status-dot{background:var(--red)}
.valnTool[data-valn-tool="job-change-impact"] form{padding:14px 16px 16px}
.valnTool[data-valn-tool="job-change-impact"] .grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:10px}
.valnTool[data-valn-tool="job-change-impact"] .field{grid-column:span 4;min-width:0}
.valnTool[data-valn-tool="job-change-impact"] .field.span-6{grid-column:span 6}
.valnTool[data-valn-tool="job-change-impact"] .field.span-8{grid-column:span 8}
.valnTool[data-valn-tool="job-change-impact"] .field.span-12{grid-column:span 12}
.valnTool[data-valn-tool="job-change-impact"] .field.mobile-half{grid-column:span 3}
.valnTool[data-valn-tool="job-change-impact"] .field label{display:block;font-size:12px;font-weight:800;letter-spacing:.01em;margin:0 0 5px}
.valnTool[data-valn-tool="job-change-impact"] .field small{display:block;margin-top:4px;color:var(--muted);font-size:11px;line-height:1.35}
.valnTool[data-valn-tool="job-change-impact"] input[type="text"], .valnTool[data-valn-tool="job-change-impact"] input[type="number"], .valnTool[data-valn-tool="job-change-impact"] input[type="date"], .valnTool[data-valn-tool="job-change-impact"] select, .valnTool[data-valn-tool="job-change-impact"] textarea{
  width:100%;padding:10px 11px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--ink);font:inherit;outline:none;transition:border-color .16s ease, box-shadow .16s ease;
}
.valnTool[data-valn-tool="job-change-impact"] input:focus, .valnTool[data-valn-tool="job-change-impact"] select:focus, .valnTool[data-valn-tool="job-change-impact"] textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="job-change-impact"] input[readonly]{background:#f8fafc}
.valnTool[data-valn-tool="job-change-impact"] .inline-help{font-size:11px;color:var(--muted);margin-top:5px}
.valnTool[data-valn-tool="job-change-impact"] .seg{display:grid;grid-template-columns:repeat(var(--cols,2),minmax(0,1fr));gap:6px}
.valnTool[data-valn-tool="job-change-impact"] .seg input{position:absolute;opacity:0;pointer-events:none}
.valnTool[data-valn-tool="job-change-impact"] .seg label{display:block}
.valnTool[data-valn-tool="job-change-impact"] .seg span{
  display:flex;align-items:center;justify-content:center;min-height:40px;padding:8px 10px;border-radius:12px;border:1px solid var(--line);background:#fff;font-size:12px;font-weight:800;color:var(--ink);text-align:center;cursor:pointer;transition:all .16s ease;
}
.valnTool[data-valn-tool="job-change-impact"] .seg input:checked + span{background:var(--blue-soft);border-color:rgba(23,66,198,.38);color:#17307d;box-shadow:inset 0 0 0 1px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="job-change-impact"] .seg input:focus + span{box-shadow:0 0 0 4px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="job-change-impact"] .subpanel{margin-top:10px;padding:12px;border:1px solid var(--line);border-radius:16px;background:#fbfcff}
.valnTool[data-valn-tool="job-change-impact"] .subpanel h3{margin:0 0 8px;font-size:.92rem}
.valnTool[data-valn-tool="job-change-impact"] .subpanel p{margin:0 0 10px;color:var(--muted);font-size:12px}
.valnTool[data-valn-tool="job-change-impact"] .hidden{display:none !important}
.valnTool[data-valn-tool="job-change-impact"] .form-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.valnTool[data-valn-tool="job-change-impact"] .btn{appearance:none;border:0;border-radius:12px;padding:11px 14px;font-weight:900;font:inherit;cursor:pointer;transition:all .16s ease}
.valnTool[data-valn-tool="job-change-impact"] .btn.primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(23,66,198,.22)}
.valnTool[data-valn-tool="job-change-impact"] .btn.secondary{background:#eef2ff;color:#17307d}
.valnTool[data-valn-tool="job-change-impact"] .btn.ghost{background:#fff;border:1px solid var(--line);color:var(--ink)}
.valnTool[data-valn-tool="job-change-impact"] .btn:active{transform:translateY(1px)}
.valnTool[data-valn-tool="job-change-impact"] .drawer{display:none;margin-top:12px;padding-top:12px;border-top:1px solid var(--line)}
.valnTool[data-valn-tool="job-change-impact"] .drawer.open{display:block}
.valnTool[data-valn-tool="job-change-impact"] .result-card{position:sticky;top:16px;overflow:hidden}
.valnTool[data-valn-tool="job-change-impact"] .summary{padding:16px 16px 12px;background:linear-gradient(180deg,#fcfdff 0%,#f8fbff 100%);border-bottom:1px solid var(--line)}
.valnTool[data-valn-tool="job-change-impact"] .pill-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:10px}
.valnTool[data-valn-tool="job-change-impact"] .pill{display:inline-flex;align-items:center;gap:6px;padding:7px 10px;border-radius:999px;font-size:12px;font-weight:800;border:1px solid transparent}
.valnTool[data-valn-tool="job-change-impact"] .pill.good{background:var(--green-soft);color:var(--green);border-color:rgba(13,118,71,.12)}
.valnTool[data-valn-tool="job-change-impact"] .pill.warn{background:var(--amber-soft);color:var(--amber);border-color:rgba(150,98,0,.12)}
.valnTool[data-valn-tool="job-change-impact"] .pill.bad{background:var(--red-soft);color:var(--red);border-color:rgba(163,32,32,.12)}
.valnTool[data-valn-tool="job-change-impact"] .pill.info{background:var(--blue-soft);color:#17307d;border-color:rgba(23,66,198,.14)}
.valnTool[data-valn-tool="job-change-impact"] .summary h2{margin:0 0 6px;font-size:1.12rem;line-height:1.2}
.valnTool[data-valn-tool="job-change-impact"] .summary p{margin:0;color:var(--muted);font-size:13px}
.valnTool[data-valn-tool="job-change-impact"] .metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;padding:14px 16px}
.valnTool[data-valn-tool="job-change-impact"] .metric{padding:12px;border-radius:16px;border:1px solid var(--line);background:#fff}
.valnTool[data-valn-tool="job-change-impact"] .metric .label{font-size:12px;color:var(--muted);margin-bottom:5px}
.valnTool[data-valn-tool="job-change-impact"] .metric .value{font-size:1.22rem;font-weight:900;line-height:1.1}
.valnTool[data-valn-tool="job-change-impact"] .metric .note{font-size:11px;color:var(--muted);margin-top:6px;line-height:1.35}
.valnTool[data-valn-tool="job-change-impact"] .block{padding:0 16px 14px}
.valnTool[data-valn-tool="job-change-impact"] .block + .block{padding-top:14px;border-top:1px solid var(--line)}
.valnTool[data-valn-tool="job-change-impact"] .block h3{margin:0 0 8px;font-size:.95rem}
.valnTool[data-valn-tool="job-change-impact"] .list{display:grid;gap:8px;margin:0;padding:0;list-style:none}
.valnTool[data-valn-tool="job-change-impact"] .list li{display:grid;grid-template-columns:1fr auto;gap:12px;padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="job-change-impact"] .list strong{display:block;font-size:13px;margin-bottom:2px}
.valnTool[data-valn-tool="job-change-impact"] .list span{display:block;color:var(--muted);font-size:12px;line-height:1.35}
.valnTool[data-valn-tool="job-change-impact"] .list b{font-size:13px;align-self:center}
.valnTool[data-valn-tool="job-change-impact"] .checkpoint{display:grid;gap:8px}
.valnTool[data-valn-tool="job-change-impact"] .checkpoint .row{padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="job-change-impact"] .checkpoint .row strong{display:block;font-size:13px;margin-bottom:3px}
.valnTool[data-valn-tool="job-change-impact"] .checkpoint .row span{display:block;color:var(--muted);font-size:12px;line-height:1.35}
.valnTool[data-valn-tool="job-change-impact"] .copy-wrap{display:grid;gap:8px}
.valnTool[data-valn-tool="job-change-impact"] textarea{min-height:128px;resize:vertical}
.valnTool[data-valn-tool="job-change-impact"] .small-note{font-size:12px;color:var(--muted)}
.valnTool[data-valn-tool="job-change-impact"] .footer-note{margin-top:14px;padding:14px 16px;border:1px solid var(--line);border-radius:16px;background:#fff;font-size:12px;color:var(--muted)}
.valnTool[data-valn-tool="job-change-impact"] .mono{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}
.valnTool[data-valn-tool="job-change-impact"] .kpi{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:var(--blue-soft);color:#17307d;font-size:12px;font-weight:800;border:1px solid rgba(23,66,198,.14)}
.valnTool[data-valn-tool="job-change-impact"] .table-card{padding:12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="job-change-impact"] .table-card .row{display:grid;grid-template-columns:1fr auto;gap:8px;padding:8px 0;border-top:1px solid #eef2f7}
.valnTool[data-valn-tool="job-change-impact"] .table-card .row:first-child{border-top:0;padding-top:0}
.valnTool[data-valn-tool="job-change-impact"] .table-card .row:last-child{padding-bottom:0}
.valnTool[data-valn-tool="job-change-impact"] .callout{padding:12px;border-radius:16px;border:1px solid var(--line);background:#fbfcff;font-size:12px;color:var(--muted);line-height:1.45}
@media (max-width: 980px){
  .valnTool[data-valn-tool="job-change-impact"] .layout{grid-template-columns:1fr}
  .valnTool[data-valn-tool="job-change-impact"] .result-card{position:static}
}
@media (max-width: 740px){
  .valnTool[data-valn-tool="job-change-impact"] .shell{padding:12px}
  .valnTool[data-valn-tool="job-change-impact"] .hero{padding:16px 14px}
  .valnTool[data-valn-tool="job-change-impact"] .card-head{padding:14px 14px 0}
  .valnTool[data-valn-tool="job-change-impact"] form, .valnTool[data-valn-tool="job-change-impact"] .pad, .valnTool[data-valn-tool="job-change-impact"] .summary, .valnTool[data-valn-tool="job-change-impact"] .metrics, .valnTool[data-valn-tool="job-change-impact"] .block{padding-left:14px;padding-right:14px}
  .valnTool[data-valn-tool="job-change-impact"] .grid{grid-template-columns:repeat(6,minmax(0,1fr));gap:8px}
  .valnTool[data-valn-tool="job-change-impact"] .field, .valnTool[data-valn-tool="job-change-impact"] .field.span-6, .valnTool[data-valn-tool="job-change-impact"] .field.span-8{grid-column:span 6}
  .valnTool[data-valn-tool="job-change-impact"] .field.mobile-half{grid-column:span 3}
  .valnTool[data-valn-tool="job-change-impact"] .seg span{min-height:38px;padding:8px}
  .valnTool[data-valn-tool="job-change-impact"] .metrics{grid-template-columns:1fr 1fr;gap:8px}
  .valnTool[data-valn-tool="job-change-impact"] .metric{padding:10px}
  .valnTool[data-valn-tool="job-change-impact"] .metric .value{font-size:1.06rem}
  .valnTool[data-valn-tool="job-change-impact"] .list li{grid-template-columns:1fr}
}

/* ===== construction-readiness ===== */
.valnTool[data-valn-tool="construction-readiness"]{
  --bg:#f4f7fb;
  --card:#ffffff;
  --line:#d9e2ef;
  --ink:#0f172a;
  --muted:#52607a;
  --blue:#1742c6;
  --blue-2:#2b63ff;
  --blue-soft:#eef3ff;
  --green:#0d7647;
  --green-soft:#edf8f2;
  --amber:#966200;
  --amber-soft:#fff8e6;
  --red:#a32020;
  --red-soft:#fff1f1;
  --shadow:0 14px 38px rgba(15,23,42,.08);
  --radius:18px;
}
.valnTool[data-valn-tool="construction-readiness"] *{box-sizing:border-box}
.valnTool[data-valn-tool="construction-readiness"], .valnTool[data-valn-tool="construction-readiness"]{margin:0;padding:0;background:linear-gradient(180deg,#f7f9fc 0%,#f2f5fa 100%);color:var(--ink);font:15px/1.45 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
.valnTool[data-valn-tool="construction-readiness"]{min-height:100vh}
.valnTool[data-valn-tool="construction-readiness"] a{color:var(--blue);text-decoration:none}
.valnTool[data-valn-tool="construction-readiness"] .shell{max-width:1180px;margin:0 auto;padding:18px}
.valnTool[data-valn-tool="construction-readiness"] .hero{background:linear-gradient(135deg,#0f172a 0%,#14307d 58%,#1f5dff 100%);color:#fff;border-radius:24px;padding:20px 20px 18px;position:relative;overflow:hidden;box-shadow:var(--shadow)}
.valnTool[data-valn-tool="construction-readiness"] .hero::after{content:"";position:absolute;right:-120px;top:-120px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.16),rgba(255,255,255,0) 66%)}
.valnTool[data-valn-tool="construction-readiness"] .eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 11px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);font-size:12px;font-weight:700;letter-spacing:.02em}
.valnTool[data-valn-tool="construction-readiness"] .hero h2{color:#ffffff;margin:12px 0 8px;font-size:clamp(1.8rem,4vw,2.55rem);line-height:1.04}
.valnTool[data-valn-tool="construction-readiness"] .lead{margin:0;max-width:920px;color:rgba(255,255,255,.92);font-size:.98rem}
.valnTool[data-valn-tool="construction-readiness"] .hero-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.valnTool[data-valn-tool="construction-readiness"] .hero-meta .badge{padding:7px 11px;border-radius:999px;font-size:12px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16)}
.valnTool[data-valn-tool="construction-readiness"] .layout{display:grid;grid-template-columns:1.03fr .97fr;gap:16px;margin-top:16px;align-items:start}
.valnTool[data-valn-tool="construction-readiness"] .card{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow)}
.valnTool[data-valn-tool="construction-readiness"] .card-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:16px 16px 0}
.valnTool[data-valn-tool="construction-readiness"] .card-head h2{margin:0;font-size:1.02rem}
.valnTool[data-valn-tool="construction-readiness"] .card-head p{margin:5px 0 0;color:var(--muted);font-size:13px}
.valnTool[data-valn-tool="construction-readiness"] .pad{padding:16px}
.valnTool[data-valn-tool="construction-readiness"] .status-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.valnTool[data-valn-tool="construction-readiness"] .status{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:12px;font-weight:700;color:var(--muted)}
.valnTool[data-valn-tool="construction-readiness"] .status-dot{width:8px;height:8px;border-radius:50%;background:#9aa9bd}
.valnTool[data-valn-tool="construction-readiness"] .status.good .status-dot{background:var(--green)}
.valnTool[data-valn-tool="construction-readiness"] .status.warn .status-dot{background:var(--amber)}
.valnTool[data-valn-tool="construction-readiness"] .status.bad .status-dot{background:var(--red)}
.valnTool[data-valn-tool="construction-readiness"] form{padding:14px 16px 16px}
.valnTool[data-valn-tool="construction-readiness"] .grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:10px}
.valnTool[data-valn-tool="construction-readiness"] .field{grid-column:span 4;min-width:0}
.valnTool[data-valn-tool="construction-readiness"] .field.span-6{grid-column:span 6}
.valnTool[data-valn-tool="construction-readiness"] .field.span-8{grid-column:span 8}
.valnTool[data-valn-tool="construction-readiness"] .field.span-12{grid-column:span 12}
.valnTool[data-valn-tool="construction-readiness"] .field.mobile-half{grid-column:span 3}
.valnTool[data-valn-tool="construction-readiness"] .field label{display:block;font-size:12px;font-weight:800;letter-spacing:.01em;margin:0 0 5px}
.valnTool[data-valn-tool="construction-readiness"] .field small{display:block;margin-top:4px;color:var(--muted);font-size:11px;line-height:1.35}
.valnTool[data-valn-tool="construction-readiness"] input[type="text"], .valnTool[data-valn-tool="construction-readiness"] input[type="number"], .valnTool[data-valn-tool="construction-readiness"] select, .valnTool[data-valn-tool="construction-readiness"] textarea{
  width:100%;padding:10px 11px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--ink);font:inherit;outline:none;transition:border-color .16s ease, box-shadow .16s ease;
}
.valnTool[data-valn-tool="construction-readiness"] input:focus, .valnTool[data-valn-tool="construction-readiness"] select:focus, .valnTool[data-valn-tool="construction-readiness"] textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="construction-readiness"] input[readonly]{background:#f8fafc}
.valnTool[data-valn-tool="construction-readiness"] .inline-help{font-size:11px;color:var(--muted);margin-top:5px}
.valnTool[data-valn-tool="construction-readiness"] .seg{display:grid;grid-template-columns:repeat(var(--cols,2),minmax(0,1fr));gap:6px}
.valnTool[data-valn-tool="construction-readiness"] .seg input{position:absolute;opacity:0;pointer-events:none}
.valnTool[data-valn-tool="construction-readiness"] .seg label{display:block}
.valnTool[data-valn-tool="construction-readiness"] .seg span{
  display:flex;align-items:center;justify-content:center;min-height:40px;padding:8px 10px;border-radius:12px;border:1px solid var(--line);background:#fff;font-size:12px;font-weight:800;color:var(--ink);text-align:center;cursor:pointer;transition:all .16s ease;
}
.valnTool[data-valn-tool="construction-readiness"] .seg input:checked + span{background:var(--blue-soft);border-color:rgba(23,66,198,.38);color:#17307d;box-shadow:inset 0 0 0 1px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="construction-readiness"] .seg input:focus + span{box-shadow:0 0 0 4px rgba(23,66,198,.12)}
.valnTool[data-valn-tool="construction-readiness"] .subpanel{margin-top:10px;padding:12px;border:1px solid var(--line);border-radius:16px;background:#fbfcff}
.valnTool[data-valn-tool="construction-readiness"] .subpanel h3{margin:0 0 8px;font-size:.92rem}
.valnTool[data-valn-tool="construction-readiness"] .subpanel p{margin:0 0 10px;color:var(--muted);font-size:12px}
.valnTool[data-valn-tool="construction-readiness"] .hidden{display:none !important}
.valnTool[data-valn-tool="construction-readiness"] .form-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.valnTool[data-valn-tool="construction-readiness"] .btn{appearance:none;border:0;border-radius:12px;padding:11px 14px;font-weight:900;font:inherit;cursor:pointer;transition:all .16s ease}
.valnTool[data-valn-tool="construction-readiness"] .btn.primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(23,66,198,.22)}
.valnTool[data-valn-tool="construction-readiness"] .btn.secondary{background:#eef2ff;color:#17307d}
.valnTool[data-valn-tool="construction-readiness"] .btn.ghost{background:#fff;border:1px solid var(--line);color:var(--ink)}
.valnTool[data-valn-tool="construction-readiness"] .btn:active{transform:translateY(1px)}
.valnTool[data-valn-tool="construction-readiness"] .drawer{display:none;margin-top:12px;padding-top:12px;border-top:1px solid var(--line)}
.valnTool[data-valn-tool="construction-readiness"] .drawer.open{display:block}
.valnTool[data-valn-tool="construction-readiness"] .result-card{position:sticky;top:16px;overflow:hidden}
.valnTool[data-valn-tool="construction-readiness"] .summary{padding:16px 16px 12px;background:linear-gradient(180deg,#fcfdff 0%,#f8fbff 100%);border-bottom:1px solid var(--line)}
.valnTool[data-valn-tool="construction-readiness"] .pill-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:10px}
.valnTool[data-valn-tool="construction-readiness"] .pill{display:inline-flex;align-items:center;gap:6px;padding:7px 10px;border-radius:999px;font-size:12px;font-weight:800;border:1px solid transparent}
.valnTool[data-valn-tool="construction-readiness"] .pill.good{background:var(--green-soft);color:var(--green);border-color:rgba(13,118,71,.12)}
.valnTool[data-valn-tool="construction-readiness"] .pill.warn{background:var(--amber-soft);color:var(--amber);border-color:rgba(150,98,0,.12)}
.valnTool[data-valn-tool="construction-readiness"] .pill.bad{background:var(--red-soft);color:var(--red);border-color:rgba(163,32,32,.12)}
.valnTool[data-valn-tool="construction-readiness"] .pill.info{background:var(--blue-soft);color:#17307d;border-color:rgba(23,66,198,.14)}
.valnTool[data-valn-tool="construction-readiness"] .summary h2{margin:0 0 6px;font-size:1.12rem;line-height:1.2}
.valnTool[data-valn-tool="construction-readiness"] .summary p{margin:0;color:var(--muted);font-size:13px}
.valnTool[data-valn-tool="construction-readiness"] .metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;padding:14px 16px}
.valnTool[data-valn-tool="construction-readiness"] .metric{padding:12px;border-radius:16px;border:1px solid var(--line);background:#fff}
.valnTool[data-valn-tool="construction-readiness"] .metric .label{font-size:12px;color:var(--muted);margin-bottom:5px}
.valnTool[data-valn-tool="construction-readiness"] .metric .value{font-size:1.22rem;font-weight:900;line-height:1.1}
.valnTool[data-valn-tool="construction-readiness"] .metric .note{font-size:11px;color:var(--muted);margin-top:6px;line-height:1.35}
.valnTool[data-valn-tool="construction-readiness"] .block{padding:0 16px 14px}
.valnTool[data-valn-tool="construction-readiness"] .block + .block{padding-top:14px;border-top:1px solid var(--line)}
.valnTool[data-valn-tool="construction-readiness"] .block h3{margin:0 0 8px;font-size:.95rem}
.valnTool[data-valn-tool="construction-readiness"] .list{display:grid;gap:8px;margin:0;padding:0;list-style:none}
.valnTool[data-valn-tool="construction-readiness"] .list li{display:grid;grid-template-columns:1fr auto;gap:12px;padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="construction-readiness"] .list strong{display:block;font-size:13px;margin-bottom:2px}
.valnTool[data-valn-tool="construction-readiness"] .list span{display:block;color:var(--muted);font-size:12px;line-height:1.35}
.valnTool[data-valn-tool="construction-readiness"] .list b{font-size:13px;align-self:center}
.valnTool[data-valn-tool="construction-readiness"] .checkpoint{display:grid;gap:8px}
.valnTool[data-valn-tool="construction-readiness"] .checkpoint .row{padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="construction-readiness"] .checkpoint .row strong{display:block;font-size:13px;margin-bottom:3px}
.valnTool[data-valn-tool="construction-readiness"] .checkpoint .row span{display:block;color:var(--muted);font-size:12px;line-height:1.35}
.valnTool[data-valn-tool="construction-readiness"] .copy-wrap{display:grid;gap:8px}
.valnTool[data-valn-tool="construction-readiness"] textarea{min-height:128px;resize:vertical}
.valnTool[data-valn-tool="construction-readiness"] .small-note{font-size:12px;color:var(--muted)}
.valnTool[data-valn-tool="construction-readiness"] .footer-note{margin-top:14px;padding:14px 16px;border:1px solid var(--line);border-radius:16px;background:#fff;font-size:12px;color:var(--muted)}
.valnTool[data-valn-tool="construction-readiness"] .mono{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}
.valnTool[data-valn-tool="construction-readiness"] .kpi{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:var(--blue-soft);color:#17307d;font-size:12px;font-weight:800;border:1px solid rgba(23,66,198,.14)}
.valnTool[data-valn-tool="construction-readiness"] .table-card{padding:12px;border:1px solid var(--line);border-radius:14px;background:#fff}
.valnTool[data-valn-tool="construction-readiness"] .table-card .row{display:grid;grid-template-columns:1fr auto;gap:8px;padding:8px 0;border-top:1px solid #eef2f7}
.valnTool[data-valn-tool="construction-readiness"] .table-card .row:first-child{border-top:0;padding-top:0}
.valnTool[data-valn-tool="construction-readiness"] .table-card .row:last-child{padding-bottom:0}
@media (max-width: 980px){
  .valnTool[data-valn-tool="construction-readiness"] .layout{grid-template-columns:1fr}
  .valnTool[data-valn-tool="construction-readiness"] .result-card{position:static}
}
@media (max-width: 740px){
  .valnTool[data-valn-tool="construction-readiness"] .shell{padding:12px}
  .valnTool[data-valn-tool="construction-readiness"] .hero{padding:16px 14px}
  .valnTool[data-valn-tool="construction-readiness"] .card-head{padding:14px 14px 0}
  .valnTool[data-valn-tool="construction-readiness"] form, .valnTool[data-valn-tool="construction-readiness"] .pad, .valnTool[data-valn-tool="construction-readiness"] .summary, .valnTool[data-valn-tool="construction-readiness"] .metrics, .valnTool[data-valn-tool="construction-readiness"] .block{padding-left:14px;padding-right:14px}
  .valnTool[data-valn-tool="construction-readiness"] .grid{grid-template-columns:repeat(6,minmax(0,1fr));gap:8px}
  .valnTool[data-valn-tool="construction-readiness"] .field, .valnTool[data-valn-tool="construction-readiness"] .field.span-6, .valnTool[data-valn-tool="construction-readiness"] .field.span-8{grid-column:span 6}
  .valnTool[data-valn-tool="construction-readiness"] .field.mobile-half{grid-column:span 3}
  .valnTool[data-valn-tool="construction-readiness"] .seg span{min-height:38px;padding:8px}
  .valnTool[data-valn-tool="construction-readiness"] .metrics{grid-template-columns:1fr 1fr;gap:8px}
  .valnTool[data-valn-tool="construction-readiness"] .metric{padding:10px}
  .valnTool[data-valn-tool="construction-readiness"] .metric .value{font-size:1.06rem}
  .valnTool[data-valn-tool="construction-readiness"] .list li{grid-template-columns:1fr}
}


.valnTool[data-valn-tool="construction-readiness"] .hero h3{color:#ffffff}
.valnTool[data-valn-tool="funding-fee-refund"] .hero h3{color:#ffffff}
.valnTool[data-valn-tool="job-change-impact"] .hero h3{color:#ffffff}
.valnTool[data-valn-tool="student-loan-ibr"] .hero h3{color:#ffffff}
/* Force white hero titles and CTA text */
.valnTool .hero h1,.valnTool .hero h2,.valnTool .hero h3,.valnTool .valnTool__hero h1,.valnTool .valnTool__hero h2,.valnTool .valnTool__hero h3{color:#ffffff !important}
.valnTool .answer h3,.valnTool .answer h2{color:#ffffff !important}
.valnTool .btn-primary,.valnTool .btn.primary{color:#ffffff !important}