/* Tools hub: audience-led directory for personal, family and business needs. */
.tools-hub{--hub-ink:#0d302d;--hub-green:#078476;--hub-green-dark:#075b53;--hub-mint:#edf8f5;--hub-gold:#e5b552;--hub-line:#cfe2dd;--hub-muted:#617775;color:var(--hub-ink);background:#fff}
.tools-hub *{box-sizing:border-box}.tools-hub>.hub-hero .shell,.tools-hub>.hub-sector .shell,.tools-hub>.hub-guide .shell,.tools-hub>.hub-faq .shell{width:min(1280px,calc(100% - 64px))}
.hub-eyebrow{margin:0 0 .7rem;color:var(--hub-green);font-size:.82rem;font-weight:900;letter-spacing:.02em}.hub-eyebrow:before{display:inline-block;width:.5rem;height:.5rem;margin-left:.45rem;border-radius:50%;background:var(--hub-gold);content:""}
.hub-hero{position:relative;overflow:hidden;padding:clamp(3.4rem,5.5vw,5.2rem) 0;background:linear-gradient(125deg,#f8fcfb 0%,#eef8f5 56%,#fff 100%)}.hub-hero:before{position:absolute;top:-19rem;left:-14rem;width:34rem;height:34rem;border:6rem solid rgba(229,181,82,.09);border-radius:50%;content:""}
.hub-breadcrumbs{position:relative;display:flex;align-items:center;gap:.55rem;margin-bottom:2.1rem;color:var(--hub-muted);font-size:.82rem}.hub-breadcrumbs a{color:var(--hub-green-dark);font-weight:850}
.hub-hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.12fr) minmax(28rem,.88fr);align-items:center;gap:clamp(2rem,4vw,4rem)}.hub-hero-copy{max-width:48rem}.hub-hero h1{max-width:47rem;margin:0;font-size:clamp(3rem,4.45vw,4.35rem);line-height:1.08;letter-spacing:-.045em}.hub-hero h1 span{color:var(--hub-green)}.hub-intro{max-width:43rem;margin:1.25rem 0 0;color:var(--hub-muted);font-size:clamp(1.02rem,1.45vw,1.2rem);line-height:1.75}
.hub-hero-tags{display:flex;flex-wrap:wrap;gap:.55rem;margin-top:1.45rem}.hub-hero-tags span{padding:.52rem .82rem;border:1px solid #c8dfd9;border-radius:999px;color:#375956;background:rgba(255,255,255,.72);font-size:.8rem;font-weight:800}
.hub-start{position:relative;display:grid;grid-template-columns:3.5rem 1fr;gap:1rem 1.25rem;padding:1.55rem 1.65rem 1.35rem;border-radius:1.45rem;color:#fff;background:linear-gradient(135deg,var(--hub-ink),#0a514b);box-shadow:0 1.5rem 4rem rgba(13,48,45,.14);overflow:hidden}.hub-start:after{position:absolute;inset:auto -4rem -5.5rem auto;width:13rem;height:13rem;border:1px solid rgba(255,255,255,.1);border-radius:50%;content:""}.hub-start-icon{display:grid;width:3.5rem;height:3.5rem;place-items:center;border-radius:1rem;color:var(--hub-green-dark);background:#fff}.hub-start .hub-eyebrow{color:#7bd0c0}.hub-start .hub-eyebrow:before{display:none}.hub-start h2{max-width:22rem;margin:.15rem 0 .55rem;color:#fff;font-size:clamp(1.65rem,2.4vw,2.05rem);line-height:1.2;letter-spacing:-.03em}.hub-start p:not(.hub-eyebrow){margin:0;color:#c6d8d5;font-size:.9rem;line-height:1.7}.hub-start a{position:relative;z-index:1;grid-column:1/-1;display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-top:.35rem;padding-top:1rem;border-top:1px solid rgba(255,255,255,.16);color:#fff;font-size:.84rem;font-weight:900}.hub-start a span{transition:transform .18s ease}.hub-start a:hover span{transform:translateX(-.25rem)}
.hub-jump{position:sticky;z-index:20;top:92px;border-block:1px solid var(--hub-line);background:rgba(255,255,255,.96);backdrop-filter:blur(12px)}.hub-jump .shell{display:grid;width:min(1280px,100%);grid-template-columns:auto repeat(3,minmax(0,1fr));align-items:stretch}.hub-jump-label{align-self:center;padding-inline:1.5rem;color:var(--hub-muted);font-size:.78rem;font-weight:850}.hub-jump a{display:grid;grid-template-columns:2rem 1fr auto;gap:.05rem .8rem;align-items:center;padding:.85rem 1.1rem;border-inline-start:1px solid var(--hub-line);color:var(--hub-ink)}.hub-jump a i{grid-row:1/3;display:grid;width:2rem;height:2rem;place-items:center;border-radius:50%;color:var(--hub-green-dark);background:var(--hub-mint);font-size:.66rem;font-style:normal;font-weight:950}.hub-jump a span{font-size:.9rem;font-weight:900}.hub-jump a small{grid-column:2;color:var(--hub-muted);font-size:.68rem}.hub-jump a b{grid-row:1/3;grid-column:3;color:var(--hub-green);font-size:1rem}.hub-jump a:hover{background:var(--hub-mint)}
.hub-sector{scroll-margin-top:10rem;padding:clamp(4rem,7vw,6rem) 0;border-bottom:1px solid #e6efec}.hub-sector-family{background:#f8fbfa}.hub-sector-business{background:linear-gradient(180deg,#fff 0%,#f2f8f6 100%)}
.hub-sector-heading{display:grid;grid-template-columns:minmax(0,1fr) minmax(20rem,.7fr);align-items:end;gap:clamp(2rem,6vw,5rem);margin-bottom:2rem}.hub-sector-heading .hub-eyebrow{display:flex;align-items:center;gap:.5rem}.hub-sector-heading .hub-eyebrow:before{display:none}.hub-sector-heading .hub-eyebrow span{display:grid;width:2rem;height:2rem;place-items:center;border-radius:50%;color:var(--hub-ink);background:var(--hub-gold);font-size:.68rem}.hub-sector-heading h2{max-width:49rem;margin:0;font-size:clamp(2.25rem,3.7vw,3.45rem);line-height:1.12;letter-spacing:-.04em}.hub-sector-heading>p{max-width:36rem;margin:0;color:var(--hub-muted);font-size:.95rem;line-height:1.75}
.hub-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.hub-sector-personal .hub-cards{grid-template-columns:repeat(6,minmax(0,1fr))}.hub-sector-personal .hub-card{grid-column:span 2}.hub-sector-business .hub-cards{grid-template-columns:repeat(2,minmax(0,1fr))}.hub-sector-business .hub-business-note{grid-column:1/-1}
.hub-sector-family .hub-cards{grid-template-columns:repeat(2,minmax(0,1fr))}
.hub-card{position:relative;display:flex;min-width:0;min-height:18rem;flex-direction:column;padding:1.45rem;border:1px solid var(--hub-line);border-radius:1.15rem;background:#fff;box-shadow:0 .8rem 2.2rem rgba(13,48,45,.045);transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease}.hub-card:has(h3 a:hover),.hub-card:focus-within{border-color:#75b8aa;box-shadow:0 1.15rem 2.8rem rgba(13,48,45,.09);transform:translateY(-.2rem)}.hub-card-top{display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-bottom:1.2rem}.hub-icon{display:grid;width:2.9rem;height:2.9rem;place-items:center;border-radius:.82rem;color:#fff;background:var(--hub-green)}.hub-icon svg{width:1.45rem;height:1.45rem}.hub-tag{padding:.42rem .65rem;border-radius:999px;color:var(--hub-green-dark);background:var(--hub-mint);font-size:.68rem;font-weight:900}.hub-card h3{margin:0 0 .55rem;font-size:1.28rem;line-height:1.32}.hub-card h3 a{color:var(--hub-ink)}.hub-card h3 a:after{position:absolute;inset:0;content:""}.hub-card-question{margin:0 0 .55rem;color:#254b47;font-size:.94rem;font-weight:850;line-height:1.55}.hub-card-description{margin:0;color:var(--hub-muted);font-size:.84rem;line-height:1.72}.hub-card-action{display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-top:auto;padding-top:1rem;border-top:1px solid var(--hub-line);color:var(--hub-green-dark);font-size:.8rem;font-weight:900}.hub-card-action b{font-size:1.05rem;transition:transform .18s ease}.hub-card:hover .hub-card-action b{transform:translateX(-.25rem)}
.hub-business-note{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(18rem,.85fr);gap:.35rem clamp(2rem,6vw,5rem);align-items:center;padding:1.8rem 2rem;border-radius:1.2rem;color:#fff;background:linear-gradient(125deg,var(--hub-ink),#08786d);box-shadow:0 1rem 2.8rem rgba(7,95,87,.14)}.hub-business-note .hub-eyebrow{grid-column:1;color:#80d5c5}.hub-business-note .hub-eyebrow:before{background:var(--hub-gold)}.hub-business-note h3{grid-column:1;max-width:42rem;margin:0;color:#fff;font-size:clamp(1.7rem,2.8vw,2.35rem);line-height:1.2}.hub-business-note>p:not(.hub-eyebrow){grid-column:2;margin:0;color:#d7e9e6;font-size:.85rem;line-height:1.7}.hub-business-note>p:nth-of-type(3){margin-top:.35rem}.hub-business-note div{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:.65rem;margin-top:1rem;padding-top:1rem;border-top:1px solid rgba(255,255,255,.15)}.hub-business-note a{padding:.7rem .9rem;border:1px solid rgba(255,255,255,.28);border-radius:.75rem;color:#fff;background:rgba(255,255,255,.07);font-size:.78rem;font-weight:850}.hub-business-note a:hover{background:rgba(255,255,255,.14)}
.hub-related{margin:1.2rem 0 0;padding:1rem 1.15rem;border-radius:.85rem;color:var(--hub-muted);background:var(--hub-mint);font-size:.82rem;line-height:1.7}.hub-related a{color:var(--hub-green-dark);font-weight:850;text-decoration:underline;text-underline-offset:.2em}
.hub-guide{padding:clamp(4rem,7vw,5.5rem) 0;color:#fff;background:var(--hub-ink)}.hub-guide-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(20rem,.7fr);align-items:end;gap:clamp(2rem,6vw,5rem);margin-bottom:2rem}.hub-guide .hub-eyebrow{color:#75cdbd}.hub-guide h2{max-width:49rem;margin:0;color:#fff;font-size:clamp(2.25rem,3.7vw,3.45rem);line-height:1.12;letter-spacing:-.04em}.hub-guide-head>div:last-child>p{max-width:36rem;margin:0;color:#c3d5d2;font-size:.9rem;line-height:1.7}.hub-guide-head a{display:inline-block;margin-top:.7rem;color:#fff;font-size:.78rem;font-weight:850;text-decoration:underline;text-underline-offset:.3em}.hub-guide-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin:0;padding:0;list-style:none}.hub-guide li{display:grid;grid-template-columns:2.8rem 1fr;gap:1rem;padding:1.4rem;border:1px solid rgba(255,255,255,.13);border-radius:1rem;background:rgba(255,255,255,.045)}.hub-guide li>span{display:grid;width:2.8rem;height:2.8rem;place-items:center;border-radius:50%;color:var(--hub-ink);background:var(--hub-gold);font-size:.72rem;font-weight:950}.hub-guide h3{margin:.2rem 0 .35rem;color:#fff;font-size:1.02rem}.hub-guide li p{margin:0;color:#bcd0cc;font-size:.8rem;line-height:1.7}
.hub-faq{padding:clamp(4rem,7vw,6rem) 0;background:#fbfdfc}.hub-faq-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(20rem,.7fr);align-items:end;gap:clamp(2rem,6vw,5rem);margin-bottom:2rem}.hub-faq h2{max-width:49rem;margin:0;font-size:clamp(2.25rem,3.7vw,3.45rem);line-height:1.12;letter-spacing:-.04em}.hub-faq-head>p{max-width:36rem;margin:0;color:var(--hub-muted);font-size:.88rem;line-height:1.7}.hub-faq a{color:var(--hub-green-dark);font-weight:850;text-decoration:underline;text-underline-offset:.2em}.hub-faq-list{display:grid;grid-template-columns:1fr 1fr;gap:0 2rem;padding:1rem 1.5rem;border:1px solid var(--hub-line);border-radius:1.2rem;background:#fff}.hub-faq details{border-bottom:1px solid var(--hub-line)}.hub-faq summary{position:relative;padding:1.2rem 2rem 1.2rem 0;color:var(--hub-ink);font-size:.92rem;font-weight:900;cursor:pointer;list-style:none}.hub-faq summary::-webkit-details-marker{display:none}.hub-faq summary:before{position:absolute;right:0;color:var(--hub-green);content:"+"}.hub-faq details[open] summary:before{content:"−"}.hub-faq details p{margin:0;padding:0 2rem 1.2rem 0;color:var(--hub-muted);font-size:.82rem;line-height:1.75}
.hub-faq :is(summary,a):focus-visible,.hub-card h3 a:focus-visible,.hub-jump a:focus-visible,.hub-start a:focus-visible{outline:3px solid var(--hub-gold);outline-offset:4px;border-radius:.2rem}
body.admin-bar .hub-jump{top:124px}
@media(max-width:1040px){.hub-hero-grid,.hub-sector-heading,.hub-guide-head,.hub-faq-head{grid-template-columns:1fr}.hub-hero-grid{gap:2.4rem}.hub-start{max-width:44rem}.hub-sector-heading,.hub-guide-head,.hub-faq-head{gap:1rem}.hub-sector-heading>p,.hub-guide-head>div:last-child>p,.hub-faq-head>p{max-width:48rem}.hub-cards,.hub-sector-personal .hub-cards{grid-template-columns:repeat(2,minmax(0,1fr))}.hub-sector-personal .hub-card,.hub-sector-personal .hub-card:nth-last-child(-n+2){grid-column:span 1}.hub-business-note{grid-template-columns:1fr}.hub-business-note .hub-eyebrow,.hub-business-note h3,.hub-business-note>p:not(.hub-eyebrow){grid-column:1}.hub-guide-list{grid-template-columns:1fr}.hub-jump{top:72px}.hub-jump-label{display:none}.hub-jump .shell{grid-template-columns:repeat(3,minmax(0,1fr));padding-inline:0}.hub-jump a{padding:.8rem .9rem}}
@media(max-width:1040px){body.admin-bar .hub-jump{top:104px}}
@media(max-width:680px){.tools-hub>.hub-hero .shell,.tools-hub>.hub-sector .shell,.tools-hub>.hub-guide .shell,.tools-hub>.hub-faq .shell{width:min(100% - 32px,1280px)}.hub-hero{padding:2.4rem 0 3rem}.hub-breadcrumbs{margin-bottom:1.5rem}.hub-hero h1{font-size:clamp(2.45rem,11vw,3.2rem)}.hub-start{grid-template-columns:3rem 1fr;padding:1.2rem;border-radius:1.1rem}.hub-start-icon{width:3rem;height:3rem}.hub-jump{position:static}.hub-jump .shell{display:flex;overflow-x:auto;scrollbar-width:none}.hub-jump a{min-width:12rem}.hub-jump a small{display:none}.hub-sector{scroll-margin-top:2rem;padding:3.5rem 0}.hub-cards,.hub-sector-personal .hub-cards,.hub-sector-business .hub-cards{grid-template-columns:1fr}.hub-card{min-height:0;padding:1.25rem}.hub-card-description{margin-bottom:1.35rem}.hub-business-note{padding:1.35rem}.hub-sector-heading h2,.hub-guide h2,.hub-faq h2{font-size:2.25rem}.hub-guide,.hub-faq{padding:3.5rem 0}.hub-guide li{grid-template-columns:2.5rem 1fr;padding:1.15rem}.hub-guide li>span{width:2.5rem;height:2.5rem}.hub-faq-list{grid-template-columns:1fr;padding:.6rem 1rem}.hub-hero-tags{gap:.4rem}.hub-hero-tags span{font-size:.74rem}}