/* LNFCU Tools & Calculators — Version 1.11.3 */
:root{--tool-navy:#082b49;--tool-deep:#061e34;--tool-blue:#0c557d;--tool-aqua:#31bcc7;--tool-gold:#54c8d6;--tool-ink:#10283b;--tool-muted:#52677b;--tool-line:#d7e2e8;--tool-soft:#eef5f8;--tool-white:#fff;--tool-danger:#9b2232;--tool-shadow:0 16px 42px rgba(8,43,73,.1)}
.skip-link{position:absolute;left:12px;top:-100px;z-index:9999;background:#fff;color:#082b49;border:3px solid #54c8d6;border-radius:8px;padding:10px 14px;font-weight:900}.skip-link:focus{top:12px}.tool-hero{padding:58px 0;background:radial-gradient(circle at 83% 18%,rgba(49,188,199,.27),transparent 27%),linear-gradient(125deg,var(--tool-deep),var(--tool-blue));color:#fff}.tool-hero .eyebrow{margin:0 0 9px;color:#a9e6eb;font-size:.72rem;font-weight:900;text-transform:uppercase;letter-spacing:.12em}.tool-hero h1{font-size:clamp(2.55rem,6vw,4.8rem);line-height:1;margin:0 0 16px;letter-spacing:-.05em}.tool-hero p{max-width:780px;margin:0;color:#d8e7ef;font-size:1.04rem}.tool-main{max-width:1180px;margin:auto;padding:42px 24px 72px}.tool-breadcrumbs{display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin-bottom:20px;color:var(--tool-muted);font-size:.78rem;font-weight:800}.tool-breadcrumbs a{color:var(--tool-blue);text-decoration:none}.tools-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}.tool-card{display:flex;flex-direction:column;min-height:230px;padding:23px;border:1px solid var(--tool-line);border-radius:22px;background:#fff;box-shadow:var(--tool-shadow);text-decoration:none;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.tool-card:hover,.tool-card:focus-visible{transform:translateY(-4px);box-shadow:0 22px 52px rgba(8,43,73,.16);border-color:#9dcfd4;outline:3px solid rgba(49,188,199,.26);outline-offset:2px}.tool-icon{display:grid;place-items:center;width:48px;height:48px;border-radius:15px;background:#e8f7f8;color:#075b66;font-size:1.35rem;font-weight:900}.tool-card h2{margin:16px 0 7px;color:var(--tool-navy);font-size:1.28rem;line-height:1.15}.tool-card p{margin:0;color:var(--tool-muted);font-size:.87rem}.tool-card strong{display:inline-flex;align-items:center;gap:7px;margin-top:auto;padding-top:18px;color:var(--tool-blue);font-size:.84rem}.tool-card strong:after{content:'→';font-size:1.05rem}.tools-note{margin-top:28px;padding:18px 20px;border-left:5px solid var(--tool-gold);border-radius:14px;background:#eaf7f8;color:#07545d;font-size:.82rem}.calculator-shell{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(330px,.98fr);gap:22px;align-items:start}.tool-panel{border:1px solid var(--tool-line);border-radius:23px;background:#fff;box-shadow:var(--tool-shadow);overflow:hidden}.tool-panel-head{padding:22px 24px 17px;border-bottom:1px solid #e5ecef}.tool-panel-head h2{margin:0 0 5px;color:var(--tool-navy);font-size:1.4rem;line-height:1.15}.tool-panel-head p{margin:0;color:var(--tool-muted);font-size:.84rem}.tool-controls{padding:22px 24px}.control-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.control{display:grid;gap:7px;min-width:0}.control.full{grid-column:1/-1}.control label,.control legend{color:#243f53;font-size:.8rem;font-weight:900}.control select,.control input[type=number],.control input[type=date]{width:100%;min-height:46px;border:1px solid #aebfca;border-radius:12px;background:#fff;color:var(--tool-ink);font:inherit;padding:11px 12px;outline:none}.control select:focus,.control input[type=number]:focus,.control input[type=date]:focus{border-color:#0a7885;box-shadow:0 0 0 4px rgba(49,188,199,.25)}.control small{color:var(--tool-muted);font-size:.7rem}.slider-control{display:grid;gap:8px}.slider-head{display:flex;align-items:center;justify-content:space-between;gap:12px}.slider-head label{font-size:.8rem;font-weight:900;color:#243f53}.number-box{display:grid;grid-template-columns:auto minmax(0,104px);align-items:center;border:1px solid #aebfca;border-radius:11px;overflow:hidden;background:#fff}.number-box:focus-within{border-color:#0a7885;box-shadow:0 0 0 4px rgba(49,188,199,.25)}.number-box span{padding:10px 0 10px 10px;color:#4f687b;font-size:.8rem;font-weight:900}.number-box input{border:0!important;border-radius:0!important;padding:10px 9px 10px 4px!important;text-align:right;box-shadow:none!important;min-width:0;min-height:44px}.number-box.suffix{grid-template-columns:minmax(0,88px) auto}.number-box.suffix span{order:2;padding:10px 10px 10px 2px}.number-box.suffix input{order:1;padding:10px 3px 10px 9px!important}input[type=range]{width:100%;height:32px;margin:0;accent-color:var(--tool-blue);cursor:pointer}.range-scale{display:flex;justify-content:space-between;color:#7d8e9b;font-size:.65rem}.tool-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.tool-button{display:inline-flex;align-items:center;justify-content:center;gap:7px;border:1px solid transparent;border-radius:999px;min-height:44px;padding:11px 17px;font:inherit;font-size:.82rem;font-weight:900;cursor:pointer;text-decoration:none}.tool-button-primary{background:var(--tool-navy);color:#fff}.tool-button-secondary{border-color:#c0d0d9;background:#fff;color:var(--tool-navy)}.tool-button-gold{background:var(--tool-gold);color:var(--tool-deep)}.tool-button:focus-visible{outline:3px solid rgba(49,188,199,.4);outline-offset:2px}.result-panel{position:sticky;top:18px;background:linear-gradient(145deg,var(--tool-deep),#0b4b70);color:#fff}.result-panel .tool-panel-head{border-color:rgba(255,255,255,.13)}.result-panel .tool-panel-head h2{color:#fff}.result-panel .tool-panel-head p{color:#c9dbe5}.result-body{padding:22px 24px}.result-primary{padding:21px;border:1px solid rgba(255,255,255,.14);border-radius:19px;background:rgba(255,255,255,.07)}.result-primary small{display:block;color:#bcd0dd;font-size:.66rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase}.result-primary output{display:block;margin:8px 0 4px;color:#fff;font-size:clamp(2.25rem,5vw,4rem);font-weight:900;line-height:1;letter-spacing:-.045em}.result-primary span{color:#d5e2e9;font-size:.78rem}.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:12px}.result-stat{padding:14px;border-radius:14px;background:rgba(255,255,255,.075)}.result-stat small{display:block;color:#bcd0dd;font-size:.65rem}.result-stat output,.result-stat strong{display:block;margin-top:3px;color:#fff;font-size:1.02rem;line-height:1.2}.result-message{margin-top:13px;padding:12px 14px;border-radius:12px;background:rgba(49,188,199,.12);color:#e3f7f8;font-size:.76rem}.result-message.warning{background:rgba(84,200,214,.15);color:#c9f0f3}.result-message.error{background:rgba(218,92,107,.17);color:#ffd7dc}.comparison-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.comparison-card{padding:16px;border:1px solid rgba(255,255,255,.14);border-radius:16px;background:rgba(255,255,255,.065)}.comparison-card h3{margin:0 0 12px;color:#fff;font-size:1rem}.comparison-card dl{display:grid;gap:9px;margin:0}.comparison-card dl div{display:flex;justify-content:space-between;gap:12px;border-top:1px solid rgba(255,255,255,.1);padding-top:8px}.comparison-card dt{color:#bed0dc;font-size:.68rem}.comparison-card dd{margin:0;color:#fff;font-size:.78rem;font-weight:900;text-align:right}.comparison-winner{margin-top:14px;padding:13px;border-radius:13px;background:rgba(49,188,199,.14);color:#e4fbfc;font-weight:800;font-size:.78rem}.rate-source{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-top:8px;color:var(--tool-muted);font-size:.69rem}.rate-pill{display:inline-flex;border-radius:999px;background:#eaf7f8;color:#07545d;padding:5px 9px;font-size:.67rem;font-weight:900}.tool-disclaimer{margin-top:22px;padding:17px 19px;border-left:5px solid var(--tool-gold);border-radius:13px;background:#eaf7f8;color:#07545d;font-size:.77rem}.tool-related{margin-top:34px}.tool-related h2{margin:0 0 14px;color:var(--tool-navy);font-size:1.4rem}.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.related-grid a{display:flex;justify-content:space-between;gap:10px;padding:14px 16px;border:1px solid var(--tool-line);border-radius:14px;background:#fff;color:var(--tool-navy);font-size:.78rem;font-weight:900;text-decoration:none}.related-grid a:after{content:'→';color:var(--tool-blue)}.summary-print-title{display:none}.tool-error{color:#ffd7dc;font-weight:800}
@media(max-width:980px){.tools-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.calculator-shell{grid-template-columns:1fr}.result-panel{position:static}.related-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:650px){.tool-main{padding-inline:14px}.tools-grid{grid-template-columns:1fr}.tool-card{min-height:205px}.control-grid{grid-template-columns:1fr}.control.full{grid-column:auto}.slider-head{align-items:flex-start;flex-direction:column}.number-box{width:100%;grid-template-columns:auto 1fr}.number-box.suffix{grid-template-columns:1fr auto}.result-grid,.comparison-grid,.related-grid{grid-template-columns:1fr}.tool-controls,.result-body,.tool-panel-head{padding-left:18px;padding-right:18px}.tool-actions .tool-button{flex:1}}
@media print{.utility-bar,.site-header,.tool-hero,.tool-breadcrumbs,.tool-controls,.tool-actions,.tool-related,.tool-disclaimer,.simple-compliance-footer{display:none!important}body{background:#fff}.tool-main{max-width:none;padding:0}.calculator-shell{display:block}.tool-panel{border:0;box-shadow:none}.result-panel{position:static;background:#fff;color:#000}.result-panel .tool-panel-head{border-color:#bbb}.result-panel .tool-panel-head h2,.result-panel .tool-panel-head p,.result-primary output,.result-stat output,.result-stat strong,.comparison-card h3,.comparison-card dd{color:#000}.result-primary,.result-stat,.comparison-card{border:1px solid #bbb;background:#fff}.result-primary small,.result-primary span,.result-stat small,.comparison-card dt{color:#444}.result-message,.comparison-winner{border:1px solid #bbb;background:#fff;color:#000}.summary-print-title{display:block;margin-bottom:18px}.summary-print-title strong{display:block;font-size:1.25rem}.summary-print-title span{font-size:.75rem;color:#444}}