.utility-intro,.tool-explainer{margin:0 0 24px;padding:22px 26px;border:1px solid var(--line);border-radius:14px;background:var(--paper)}
.mortgage-breakdown{margin-top:4px}.mortgage-breakdown dl{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:0}.mortgage-breakdown dl div{padding:12px;border:1px solid var(--line);border-radius:9px;background:var(--cream)}.mortgage-breakdown dt{font-size:.7rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:850}.mortgage-breakdown dd{margin:3px 0 0;font-weight:850}.mortgage-breakdown p{margin:10px 2px 0;color:var(--muted);font-size:.78rem}
.utility-intro p,.tool-explainer p{color:var(--muted);font-size:1.05rem;line-height:1.7}.tool-explainer h2,.related-tools h2{font:700 2rem Arial;margin:0 0 14px}.tool-action{min-height:46px;padding:11px 18px;border:0;border-radius:10px;background:var(--green);color:#fff;font-weight:850;cursor:pointer}.utility-calculator textarea{width:100%;resize:vertical}.spinner-disc{display:grid;place-items:center;width:150px;aspect-ratio:1;margin:4px auto;border:12px solid #6ea8fe;border-top-color:#ffd54f;border-right-color:#2ec4b6;border-bottom-color:#ff6b6b;border-radius:50%;background:var(--paper);font-weight:900;color:var(--ink);transition:transform 1.2s cubic-bezier(.16,.75,.2,1)}.spinner-disc.spinning{transform:rotate(1440deg)}.team-results{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.team-card{padding:14px;border:1px solid var(--line);border-radius:10px;background:var(--cream)}.team-card strong{display:block;color:var(--green);margin-bottom:6px}.team-card ul{margin:0;padding-left:20px}.daily-card{text-align:center}.daily-label{text-transform:uppercase;letter-spacing:.1em;font-size:.75rem;font-weight:900;color:var(--green)}.daily-card h2{font:700 1.65rem/1.25 Arial}.trivia-options{display:grid;gap:8px}.trivia-options button{padding:11px;border:1px solid var(--line);border-radius:9px;background:var(--cream);color:var(--ink);font-weight:750;cursor:pointer}.trivia-options button.correct{background:#daf5df;border-color:#36a354;color:#164f25}.trivia-options button.wrong{background:#ffe1e1;border-color:#db4a4a;color:#6e1e1e}.trivia-feedback{min-height:50px;color:var(--muted)}.related-tools{padding:30px 0 60px}.related-tools>div{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related-tools a{display:grid;gap:8px;padding:20px;border:1px solid var(--line);border-radius:13px;background:var(--paper);color:var(--ink);text-decoration:none}.related-tools a:hover{border-color:var(--green);box-shadow:var(--shadow)}.related-tools a>span{font-size:1.7rem}.related-tools small{color:var(--muted);line-height:1.4}
@media(max-width:700px){.related-tools>div,.team-results,.mortgage-breakdown dl{grid-template-columns:1fr}.utility-intro,.tool-explainer{padding:18px}.spinner-disc{width:125px}}