/* Tools & Guides — page-scoped styles layered on kit.css (.ap-*). Light theme only. */
.tl-search{position:relative;max-width:560px;margin:0 auto}
.tl-search input{width:100%;padding:15px 16px 15px 46px;border-radius:14px;border:1px solid var(--ap-line);font:inherit;font-size:1rem;background:#fff;min-height:52px}
.tl-search input:focus{outline:none;border-color:var(--ap-primary);box-shadow:0 0 0 3px var(--ap-soft)}
.tl-search i{position:absolute;left:16px;top:50%;transform:translateY(-50%);color:var(--ap-muted)}
.tl-cat{margin-top:28px}.tl-cat-h{display:flex;align-items:center;gap:12px;margin:0 0 12px}
.tl-cat-h .ico{width:36px;height:36px;border-radius:10px;display:grid;place-items:center;color:#fff;font-size:.95rem}
.tl-cat-h h2{margin:0;font-size:1.15rem;font-weight:800}.tl-cat-h p{margin:0;font-size:.85rem;color:var(--ap-muted)}
.tl-grid{display:grid;gap:12px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.tl-card{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--ap-line);border-radius:14px;padding:16px;text-decoration:none;color:var(--ap-ink);transition:.15s;box-shadow:var(--ap-sh)}
.tl-card:hover{border-color:var(--ap-primary);transform:translateY(-2px);box-shadow:var(--ap-sh2)}
.tl-card .ico{width:40px;height:40px;border-radius:11px;display:grid;place-items:center;flex:0 0 auto;font-size:1rem;color:#fff}
.tl-card b{display:block;font-size:.95rem;line-height:1.25}.tl-card small{display:block;color:var(--ap-muted);font-size:.8rem;margin-top:4px;line-height:1.4}
.tl-card .meta{display:flex;gap:8px;margin-top:8px;font-size:.72rem;font-weight:700;color:var(--ap-muted);text-transform:uppercase;letter-spacing:.04em}
.tl-card.hidden{display:none}
.tl-guide-card{flex-direction:column;gap:8px}.tl-guide-card .ico{width:44px;height:44px;border-radius:12px}
.tl-guide-card b{font-size:1rem}
.tl-most{display:flex;gap:10px;flex-wrap:wrap}.tl-most a{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--ap-line);background:#fff;border-radius:999px;padding:8px 14px;font-weight:700;font-size:.85rem;text-decoration:none;color:var(--ap-ink)}
.tl-most a:hover{border-color:var(--ap-primary);color:var(--ap-primary)}.tl-most a span{background:var(--ap-soft);color:var(--ap-primary);border-radius:999px;padding:1px 7px;font-size:.72rem}
.tl-band{margin-top:36px;background:linear-gradient(135deg,#0b1b3a,#0f2f6b 60%,#006AFF 130%);color:#fff;border-radius:18px;padding:28px;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.tl-band h2{margin:0 0 4px;font-size:1.3rem}.tl-band p{margin:0;opacity:.85}
.tl-band .ap-btn{background:#fff;color:#0b1b3a}
/* calculator page */
.tl-calc{display:grid;grid-template-columns:minmax(300px,420px) minmax(0,1fr);gap:22px;align-items:start}
@media(max-width:960px){.tl-calc{grid-template-columns:minmax(0,1fr)}.tl-results.ap-sticky{position:static}}
.tl-inputs .ap-card{padding:16px 18px}
.tl-field{padding:12px 0;border-bottom:1px solid #eef2f7}.tl-field:last-child{border-bottom:0}
.tl-field .top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:6px}
.tl-field label{font-size:.84rem;font-weight:700;color:var(--ap-ink)}
.tl-field .help{font-size:.74rem;color:var(--ap-muted);margin-top:4px;line-height:1.35}
.tl-inp{position:relative;flex:0 0 auto}
.tl-inp input,.tl-inp select{width:150px;padding:8px 10px;border:1px solid var(--ap-line);border-radius:9px;font:inherit;font-size:.95rem;font-weight:700;text-align:right;min-height:40px;background:#fff;color:var(--ap-ink)}
.tl-inp select{text-align:left;width:auto;max-width:200px;font-weight:600}
.tl-inp input:focus,.tl-inp select:focus{outline:none;border-color:var(--ap-primary);box-shadow:0 0 0 3px var(--ap-soft)}
.tl-inp.money::before{content:'$';position:absolute;left:10px;top:50%;transform:translateY(-50%);color:var(--ap-muted);font-weight:700;font-size:.85rem;pointer-events:none}
.tl-inp.money input{padding-left:22px}
.tl-inp.pct::after{content:'%';position:absolute;right:10px;top:50%;transform:translateY(-50%);color:var(--ap-muted);font-weight:700;font-size:.85rem;pointer-events:none}
.tl-inp.pct input{padding-right:24px}
.tl-field input[type=range]{width:100%;accent-color:var(--ap-primary);margin:6px 0 0;height:22px;cursor:pointer}
.tl-toggle{display:flex;align-items:center;gap:10px;cursor:pointer}
.tl-toggle input{position:absolute;opacity:0;width:0;height:0}
.tl-toggle .sw{width:44px;height:26px;border-radius:999px;background:var(--ap-line);position:relative;transition:.15s;flex:0 0 auto}
.tl-toggle .sw::after{content:'';position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;transition:.15s;box-shadow:0 1px 3px rgba(0,0,0,.2)}
.tl-toggle input:checked+.sw{background:var(--ap-primary)}.tl-toggle input:checked+.sw::after{left:21px}
.tl-toggle input:focus-visible+.sw{box-shadow:0 0 0 3px var(--ap-soft)}
.tl-head{background:linear-gradient(135deg,#0b1b3a,#0f2f6b 70%,#0a5fd6 130%);color:#fff;border-radius:16px;padding:22px 24px;margin-bottom:14px;position:relative;overflow:hidden}
.tl-head small{display:block;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;opacity:.8}
.tl-head-v{font-size:clamp(2rem,4vw,2.8rem);font-weight:800;letter-spacing:-.03em;line-height:1.05;margin-top:4px}
.tl-head-v.neg{color:#ffb4b4}
.tl-head .glow{position:absolute;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.2),transparent 70%);right:-60px;top:-110px}
.tl-tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:10px;margin-bottom:14px}
.tl-tile{background:#fff;border:1px solid var(--ap-line);border-radius:12px;padding:12px 14px;min-width:0}
.tl-tile small{display:block;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--ap-muted);line-height:1.3}
.tl-tile b{display:block;font-size:1.25rem;font-weight:800;letter-spacing:-.02em;margin-top:3px;line-height:1.15;overflow-wrap:anywhere}
.tl-tile span{display:block;font-size:.74rem;color:var(--ap-muted);margin-top:3px}
.tl-tile.ok b{color:var(--ap-ok)}.tl-tile.bad b{color:var(--ap-bad)}
.tl-chart{background:#fff;border:1px solid var(--ap-line);border-radius:12px;padding:14px 16px;margin-bottom:12px}
.tl-chart h3{margin:0 0 8px;font-size:.9rem;font-weight:800}
.tl-svg{width:100%;height:auto;display:block;font-family:Inter,system-ui,sans-serif}
.tl-gauge{max-width:360px;margin:0 auto}
.tl-legend{display:flex;gap:14px;flex-wrap:wrap;font-size:.78rem;color:var(--ap-muted);margin-top:6px}
.tl-legend i,.tl-donut li i,.tl-stack li i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}
.tl-donut{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.tl-donut svg{width:150px;height:150px;flex:0 0 auto}
.tl-donut ul,.tl-stack ul{list-style:none;margin:0;padding:0;font-size:.84rem;flex:1;min-width:180px}
.tl-donut li,.tl-stack li{display:flex;align-items:center;gap:6px;padding:4px 0;border-bottom:1px dashed #eef2f7}
.tl-donut li b,.tl-stack li b{margin-left:auto;font-variant-numeric:tabular-nums}.tl-donut li span{color:var(--ap-muted);font-size:.76rem;width:36px;text-align:right}
.tl-stack .bar{display:flex;height:26px;border-radius:8px;overflow:hidden;background:#eef2f7;margin-bottom:10px}.tl-stack .bar i{display:block;height:100%}
.tl-explain{background:#f4f8ff;border:1px solid #cfe0ff;border-radius:12px;padding:16px 18px;font-size:.95rem;line-height:1.6;color:#0b3d91;margin-bottom:14px}
.tl-explain h3{margin:0 0 6px;font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;color:#0b3d91}
.tl-actions{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px}
.tl-actions .ap-btn{flex:1 1 auto}
.tl-next{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin-top:6px}
.tl-mob{display:none;position:sticky;top:var(--header-height,64px);z-index:20;background:#0b1b3a;color:#fff;padding:10px 14px;border-radius:12px;margin-bottom:12px;align-items:center;justify-content:space-between;gap:12px}
.tl-mob small{display:block;font-size:.68rem;opacity:.8;text-transform:uppercase;font-weight:700;letter-spacing:.05em;line-height:1.2}.tl-mob b{display:block;font-size:1.3rem;line-height:1.15;margin-top:2px}.tl-mob>div{min-width:0}
@media(max-width:960px){.tl-mob{display:flex}}
.tl-chips{display:flex;gap:8px;flex-wrap:wrap}.tl-chips a{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--ap-line);background:#fff;border-radius:999px;padding:7px 12px;font-size:.82rem;font-weight:700;text-decoration:none;color:var(--ap-ink)}
.tl-chips a:hover{border-color:var(--ap-primary);color:var(--ap-primary)}
/* guide page */
.tl-guide{display:grid;grid-template-columns:260px minmax(0,1fr);gap:26px;align-items:start}
@media(max-width:900px){.tl-guide{grid-template-columns:minmax(0,1fr)}.tl-toc.ap-sticky{position:static}}
.tl-toc ol{list-style:none;margin:0;padding:0;counter-reset:t}.tl-toc li[data-step]{counter-increment:t}
.tl-toc ol a{display:flex;gap:10px;align-items:flex-start;padding:8px 10px;border-radius:9px;text-decoration:none;color:var(--ap-ink);font-size:.86rem;line-height:1.35}
.tl-toc li[data-step] a::before{content:counter(t);flex:0 0 22px;height:22px;border-radius:50%;background:var(--ap-soft);color:var(--ap-primary);font-size:.72rem;font-weight:800;display:grid;place-items:center}
.tl-toc ol a:hover{background:#f4f8ff}.tl-toc li[data-step].done a::before{background:var(--ap-ok);color:#fff;content:'\2713'}
.tl-toc li.q a{color:var(--ap-muted);font-weight:700;border-top:1px solid #eef2f7;margin-top:6px;padding-top:12px;border-radius:0}.tl-toc li.q a i{flex:0 0 22px;text-align:center;color:var(--ap-primary);font-size:.95rem}
.tl-toc .prog{margin:12px 10px 4px}.tl-toc .prog a{color:var(--ap-primary);font-weight:700;text-decoration:none}
.tl-step{background:#fff;border:1px solid var(--ap-line);border-radius:16px;padding:22px 24px;margin-bottom:16px;scroll-margin-top:90px}
.tl-step .num{display:inline-flex;align-items:center;gap:8px;font-size:.74rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--ap-primary);margin-bottom:6px}
.tl-step h2{margin:0 0 10px;font-size:1.3rem;letter-spacing:-.01em;line-height:1.2}
.tl-step p{font-size:1rem;line-height:1.7;color:#334155;margin:0 0 12px}
.tl-check{background:#f8fafc;border:1px solid var(--ap-line);border-radius:12px;padding:12px 14px;margin:14px 0}
.tl-check h4{margin:0 0 8px;font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--ap-muted)}
.tl-check ul{list-style:none;margin:0;padding:0}.tl-check li{display:flex;gap:10px;align-items:flex-start;padding:5px 0;font-size:.92rem;color:#334155}
.tl-check li i{color:var(--ap-ok);margin-top:4px;font-size:.8rem}
.tl-step-foot{display:flex;gap:12px;align-items:center;justify-content:space-between;flex-wrap:wrap;margin-top:14px;padding-top:14px;border-top:1px solid #eef2f7}
.tl-done{display:inline-flex;align-items:center;gap:10px;cursor:pointer;font-weight:700;font-size:.9rem;color:var(--ap-muted)}
.tl-done .ck{width:24px;height:24px;border-radius:8px;border:2px solid var(--ap-line);display:grid;place-items:center;color:#fff;transition:.15s}
.tl-done input{position:absolute;opacity:0;width:0;height:0}.tl-done input:checked+.ck{background:var(--ap-ok);border-color:var(--ap-ok)}
.tl-done input:checked~span{color:var(--ap-ok)}
.tl-faq details{border:1px solid var(--ap-line);border-radius:12px;background:#fff;margin-bottom:8px;padding:0 16px}
.tl-faq summary{cursor:pointer;font-weight:700;padding:14px 0;font-size:.95rem;list-style:none;display:flex;justify-content:space-between;gap:10px}
.tl-faq summary::after{content:'+';color:var(--ap-primary);font-weight:800}.tl-faq details[open] summary::after{content:'\2212'}
.tl-faq details p{margin:0 0 14px;color:#334155;line-height:1.6;font-size:.93rem}
.tl-share{display:flex;gap:8px;flex-wrap:wrap}.tl-share a,.tl-share button{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--ap-line);background:#fff;border-radius:10px;padding:8px 12px;font-size:.82rem;font-weight:700;text-decoration:none;color:var(--ap-ink);cursor:pointer;font-family:inherit}
.tl-share a:hover,.tl-share button:hover{border-color:var(--ap-primary);color:var(--ap-primary)}
.tl-intro{font-size:1.08rem;line-height:1.7;color:#334155}
.tl-meta{display:flex;gap:14px;flex-wrap:wrap;font-size:.82rem;color:var(--ap-muted);font-weight:700;margin:6px 0 14px}
.tl-meta i{color:var(--ap-primary);margin-right:4px}
/* my + admin */
.tl-run{display:flex;gap:12px;align-items:center;padding:12px 14px;border:1px solid var(--ap-line);border-radius:12px;background:#fff;margin-bottom:8px;flex-wrap:wrap}
.tl-run .ico{width:38px;height:38px;border-radius:10px;display:grid;place-items:center;color:#fff;flex:0 0 auto}
.tl-run b{display:block;font-size:.93rem}.tl-run small{color:var(--ap-muted);font-size:.78rem}.tl-run .v{margin-left:auto;font-weight:800;font-size:1.05rem;white-space:nowrap}
@media(max-width:600px){.tl-run .v{margin-left:0;width:100%}}
/* print */
@media print{.ap-crumbs,.ap-bar,.tl-actions,.tl-next,.tl-mob,#tlEmailCard,header,footer,nav,.site-header,.site-footer{display:none!important}.tl-calc{grid-template-columns:minmax(0,1fr)}.tl-head{background:#0b1b3a!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}.ap-main{padding:0}}