/* ============================================================
   CPF LIFE PREMIUM REFUND ESTIMATOR — Tool #87 / Sub-Silo 3
   SGFinanceCalculators.com — Bequest, Break-Even & Plan Comparison
   H2=Navy | H3=Green | FAQ details/summary | PDF=navy-on-light
   NO HTML entities in CSS content | NO faq_q typo
   File = life-premium-refund-estimator
   ============================================================ */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@700;800&family=Inter:wght@400;500;600&display=swap');
:root{
  --navy:#002868;--navy-d:#00183F;--navy-m:#003580;--navy-l:#EBF0FA;
  --red:#BF0A30;--red-h:#9B0826;
  --green:#00875A;--green-l:#E6F7F2;
  --slate:#475569;--slate-d:#1E293B;--slate-l:#F1F5F9;--slate-m:#64748B;
  --indigo:#4338CA;--indigo-l:#EEF2FF;
  --silver:#94A3B8;--silver-l:#F8FAFC;
  --amber:#D97706;--amber-l:#FEF3C7;
  --white:#FFFFFF;--gray:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;
  --sh-sm:0 2px 8px rgba(0,40,104,.08);--sh-md:0 6px 24px rgba(0,40,104,.12);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);background:var(--white);line-height:1.6;}

.tool-hero{background:linear-gradient(135deg,var(--slate-d) 0%,#1a1a3e 40%,var(--navy) 100%);
  padding:48px 24px 52px;position:relative;overflow:hidden;}
.tool-hero::before{content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 55% 70% at 75% 35%,rgba(67,56,202,.22) 0%,transparent 58%);pointer-events:none;}
.tool-hero::after{content:'';position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);
  background-size:52px 52px;pointer-events:none;}
.tool-hero-inner{max-width:900px;margin:0 auto;position:relative;z-index:2;}
.tool-tag{display:inline-flex;align-items:center;gap:8px;
  background:rgba(148,163,184,.18);border:1px solid rgba(148,163,184,.35);
  color:#cbd5e1;font-size:11.5px;font-weight:700;
  padding:5px 14px;border-radius:30px;margin-bottom:18px;letter-spacing:.6px;}
.tool-hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(24px,3.4vw,40px);
  font-weight:800;color:var(--white);line-height:1.15;letter-spacing:-.8px;margin-bottom:14px;}
.tool-hero h1 em{font-style:normal;
  background:linear-gradient(90deg,#cbd5e1,#94a3b8);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.tool-hero p{font-size:16px;color:rgba(255,255,255,.72);line-height:1.7;max-width:700px;}
.tool-hero-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px;}
.tool-hero-pills span{display:inline-flex;align-items:center;gap:5px;
  background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);
  color:rgba(255,255,255,.82);padding:4px 12px;border-radius:20px;font-size:12px;font-weight:500;}

.breadcrumb{background:var(--bg);border-bottom:1px solid var(--border);padding:10px 24px;}
.breadcrumb-inner{max-width:900px;margin:0 auto;font-size:13px;color:var(--gray);}
.breadcrumb a{color:var(--navy);}.breadcrumb a:hover{color:var(--red);}
.breadcrumb span{margin:0 6px;color:var(--border);}

/* INFO BAND */
.info-band{background:var(--slate-l);border-bottom:2px solid var(--slate);padding:14px 24px;}
.info-band-inner{max-width:900px;margin:0 auto;display:flex;flex-wrap:wrap;gap:10px;}
.ib-chip{background:var(--white);border:1.5px solid var(--slate);border-radius:10px;
  padding:8px 14px;text-align:center;flex:1;min-width:90px;}
.ib-chip .il{font-size:10px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.8px;margin-bottom:2px;}
.ib-chip .iv{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--slate-d);}
.ib-chip.hi{background:var(--navy);border-color:var(--navy);}
.ib-chip.hi .il{color:rgba(255,255,255,.55);}.ib-chip.hi .iv{color:var(--white);}

/* PLAN TOGGLE */
.plan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:6px;}
.plan-btn{padding:10px 6px;border:1.5px solid var(--border);border-radius:9px;
  background:var(--white);font-family:'Montserrat',sans-serif;font-weight:700;font-size:11.5px;
  color:var(--gray);cursor:pointer;transition:all .2s;text-align:center;line-height:1.4;}
.plan-btn:hover{border-color:var(--slate-d);color:var(--slate-d);}
.plan-btn.active{background:var(--navy);color:var(--white);border-color:var(--navy);}

/* LAYOUT */
.tool-wrap{max-width:900px;margin:0 auto;padding:0 24px;}
.calc-section{padding:28px 0 0;}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start;}
.input-panel{background:var(--white);border:1.5px solid var(--border);
  border-radius:16px;padding:28px;box-shadow:var(--sh-sm);}
.input-panel-title{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;
  color:var(--navy);margin-bottom:20px;display:flex;align-items:center;gap:8px;}
.input-section-label{font-size:11px;font-weight:700;letter-spacing:1.2px;
  text-transform:uppercase;color:var(--slate-m);margin:14px 0 10px;
  padding-bottom:6px;border-bottom:2px solid var(--slate-l);}
.field{margin-bottom:14px;}
.field label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:7px;}
.field label .badge{display:inline-block;background:var(--navy-l);color:var(--navy);
  font-size:10px;font-weight:700;padding:1px 7px;border-radius:10px;margin-left:6px;}
.field label .badge.opt{background:var(--green-l);color:var(--green);}
.input-wrap{display:flex;align-items:stretch;border:1.5px solid var(--border);
  border-radius:9px;overflow:hidden;transition:border .2s;}
.input-wrap:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.10);}
.input-prefix{background:var(--bg);padding:0 12px;display:flex;align-items:center;
  font-size:13px;font-weight:700;color:var(--gray);flex-shrink:0;border-right:1px solid var(--border);}
.input-suffix{background:var(--bg);padding:0 12px;display:flex;align-items:center;
  font-size:13px;font-weight:600;color:var(--gray);flex-shrink:0;border-left:1px solid var(--border);}
.input-wrap input,.input-wrap select{flex:1;padding:11px 13px;border:none;outline:none;
  font-family:'Inter',sans-serif;font-size:15px;color:var(--navy);caret-color:var(--navy);
  background:transparent;min-width:0;}
.input-wrap select{cursor:pointer;}
.field-hint{font-size:11.5px;color:var(--gray);margin-top:5px;line-height:1.5;}
.calc-btn{width:100%;padding:14px;background:var(--navy);color:var(--white);
  font-family:'Montserrat',sans-serif;font-weight:800;font-size:14.5px;
  border:none;border-radius:9px;cursor:pointer;letter-spacing:.3px;
  transition:all .2s;margin-top:4px;display:flex;align-items:center;justify-content:center;gap:8px;}
.calc-btn:hover{background:var(--navy-m);transform:translateY(-1px);box-shadow:0 6px 20px rgba(0,40,104,.25);}
.action-row{display:flex;gap:10px;margin-top:10px;}
.btn-pdf{flex:1;padding:11px 14px;border-radius:8px;font-family:'Montserrat',sans-serif;
  font-weight:700;font-size:12.5px;cursor:pointer;display:flex;align-items:center;
  justify-content:center;gap:7px;transition:all .2s;
  background:var(--navy-l);color:var(--navy);border:1.5px solid var(--navy);}
.btn-pdf:hover{background:var(--navy);color:var(--white);}
.btn-wa{flex:1;padding:11px 14px;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;
  font-weight:700;font-size:12.5px;cursor:pointer;display:flex;align-items:center;
  justify-content:center;gap:7px;background:#25D366;color:var(--white);transition:all .2s;}
.btn-wa:hover{background:#1da851;}

/* RESULTS */
.results-panel{background:var(--slate-d);border-radius:16px;padding:28px;
  box-shadow:var(--sh-md);position:sticky;top:90px;}
.results-panel-title{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;
  color:var(--white);margin-bottom:20px;display:flex;align-items:center;gap:8px;}
.results-empty{text-align:center;padding:28px 0;}
.results-empty .re-icon{font-size:42px;margin-bottom:12px;}
.results-empty p{color:rgba(255,255,255,.5);font-size:14px;line-height:1.6;}
.res-section-label{font-size:10px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;
  color:rgba(255,255,255,.38);margin:14px 0 8px;padding-bottom:5px;
  border-bottom:1px solid rgba(255,255,255,.1);}
.res-row{display:flex;align-items:center;justify-content:space-between;
  padding:7px 0;border-bottom:1px solid rgba(255,255,255,.07);}
.res-row:last-of-type{border-bottom:none;}
.res-label{font-size:13px;color:rgba(255,255,255,.62);flex:1;padding-right:10px;line-height:1.35;}
.res-val{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;
  color:var(--white);text-align:right;white-space:nowrap;}
.res-val.highlight{color:#cbd5e1;font-size:18px;}
.res-val.green{color:#4ade80;}
.res-val.amber{color:#fcd34d;}
.res-val.red{color:#f87171;}
.res-val.sky{color:#7dd3fc;}

/* REFUND TABLE */
.refund-table{width:100%;border-collapse:collapse;margin:10px 0;}
.refund-table th{background:rgba(255,255,255,.1);padding:7px 10px;
  font-family:'Montserrat',sans-serif;font-weight:700;font-size:10.5px;
  color:rgba(255,255,255,.55);text-align:left;letter-spacing:.3px;}
.refund-table td{padding:6px 10px;border-bottom:1px solid rgba(255,255,255,.06);
  font-size:12.5px;color:rgba(255,255,255,.75);}
.refund-table tr:last-child td{border-bottom:none;}
.refund-table .td-key{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--white);}
.refund-table .td-zero{color:#f87171;font-weight:700;}
.refund-table .td-beq{color:#4ade80;font-weight:700;}
.refund-table .td-be{color:#fcd34d;font-style:italic;}

/* BREAKEVEN BOX */
.be-box{background:rgba(252,211,77,.1);border:1.5px solid rgba(252,211,77,.3);
  border-radius:10px;padding:13px;margin-top:12px;}
.be-label{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;
  color:#fcd34d;margin-bottom:4px;}
.be-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:var(--white);}
.be-sub{font-size:11.5px;color:rgba(255,255,255,.6);margin-top:3px;}

/* CHART */
.chart-wrapper{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);
  border-radius:12px;padding:18px;margin-top:18px;}
.chart-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;
  color:rgba(255,255,255,.6);margin-bottom:12px;}

/* CONTENT */
.content-section{padding:36px 0;}
.content-section h2{font-family:'Montserrat',sans-serif;font-size:clamp(20px,2.4vw,26px);
  font-weight:800;color:var(--navy);margin-bottom:16px;line-height:1.25;}
.content-section h3{font-family:'Montserrat',sans-serif;font-size:17px;font-weight:700;
  color:var(--green);margin:20px 0 10px;}
.content-section p{font-size:15px;color:var(--gray);line-height:1.75;margin-bottom:14px;}
.content-section ul,.content-section ol{margin:12px 0 16px 20px;}
.content-section li{font-size:15px;color:var(--gray);line-height:1.7;margin-bottom:6px;}
.sg-table{width:100%;border-collapse:collapse;margin:16px 0;font-size:14px;}
.sg-table th{background:var(--navy);color:var(--white);padding:10px 14px;
  font-family:'Montserrat',sans-serif;font-weight:700;font-size:12px;text-align:left;}
.sg-table td{padding:9px 14px;border-bottom:1px solid var(--border);color:var(--gray);}
.sg-table tr:last-child td{border-bottom:none;}
.sg-table tr:nth-child(even) td{background:var(--bg);}
.sg-table td strong{color:var(--navy);}
.sg-table .td-green{color:var(--green);font-weight:700;}
.sg-table .td-amber{color:var(--amber);font-weight:700;}
.sg-table .td-slate{color:var(--slate);font-weight:700;}
.example-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:20px 0;}
.example-card{background:var(--bg);border:1.5px solid var(--border);border-radius:14px;padding:22px 18px;}
.example-card h3{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;
  color:var(--green);margin:0 0 14px;}
.eg-row{display:flex;align-items:flex-start;justify-content:space-between;
  padding:5px 0;border-bottom:1px solid var(--border);font-size:13px;gap:8px;}
.eg-row:last-child{border-bottom:none;}
.eg-label{color:var(--gray);flex:1;}
.eg-val{font-weight:700;color:var(--navy);font-family:'Montserrat',sans-serif;font-size:13px;text-align:right;white-space:nowrap;}
.eg-val.green{color:var(--green);}.eg-val.amber{color:var(--amber);}
.tip-grid{display:flex;flex-direction:column;gap:16px;margin:20px 0;}
.tip-card{background:var(--slate-l);border:1.5px solid rgba(71,85,105,.18);
  border-radius:14px;padding:22px 24px;display:flex;gap:16px;}
.tip-num{width:36px;height:36px;background:var(--slate-d);color:var(--white);
  border-radius:50%;display:flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;font-weight:800;font-size:15px;flex-shrink:0;}
.tip-body h3{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;
  color:var(--green);margin:0 0 7px;}
.tip-body p{font-size:14px;color:var(--gray);line-height:1.7;margin:0;}
.faq-list{margin:16px 0;}
details.faq-item{border-bottom:1px solid var(--border);}
details.faq-item:first-of-type{border-top:1px solid var(--border);}
details.faq-item[open] .faq-a{display:block !important;visibility:visible !important;}
details.faq-item .faq-a{padding:0 0 18px;}
details.faq-item summary.faq-q{display:flex;align-items:center;justify-content:space-between;
  gap:14px;padding:16px 0;cursor:pointer;list-style:none;
  font-family:'Montserrat',sans-serif;font-size:14.5px;font-weight:700;
  color:var(--navy);transition:color .2s;user-select:none;}
details.faq-item summary.faq-q::-webkit-details-marker{display:none;}
details.faq-item summary.faq-q::marker{display:none;content:'';}
details.faq-item summary.faq-q:hover{color:var(--red);}
details.faq-item[open]>summary.faq-q{color:var(--red);}
details.faq-item .faq-icon{width:26px;height:26px;background:var(--bg);border-radius:50%;
  display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:700;
  color:var(--navy);flex-shrink:0;transition:transform .25s,background .2s;
  border:2px solid var(--border);pointer-events:none;}
details.faq-item[open]>summary .faq-icon{transform:rotate(45deg);background:var(--navy);
  color:var(--white);border-color:var(--navy);}
details.faq-item .faq-a-inner{font-size:14.5px;line-height:1.75;color:var(--gray);padding-top:4px;}
details.faq-item .faq-a-inner strong{color:var(--navy);}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:16px 0;}
.related-card{background:var(--bg);border:1.5px solid var(--border);border-radius:12px;
  padding:18px;transition:all .2s;text-decoration:none;color:inherit;display:block;}
.related-card:hover{border-color:var(--navy);box-shadow:var(--sh-sm);transform:translateY(-2px);}
.related-card .rc-icon{font-size:24px;margin-bottom:8px;}
.related-card .rc-name{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;
  color:var(--navy);line-height:1.3;margin-bottom:4px;}
.related-card .rc-cat{font-size:11.5px;color:var(--gray);}
.disclaimer{background:var(--bg);border:1px solid var(--border);border-radius:12px;
  padding:22px 24px;margin:24px 0;font-size:13px;color:var(--gray);line-height:1.7;}
.disclaimer strong{color:var(--navy);}.disclaimer a{color:var(--navy);}
@media(max-width:768px){
  .results-panel{position:static;}
  .example-grid{grid-template-columns:1fr;}
  .related-grid{grid-template-columns:1fr 1fr;}
  .info-band-inner{flex-wrap:wrap;}
}
@media(max-width:480px){
  .tool-hero{padding:30px 16px 34px;}
  .tool-wrap{padding:0 14px;}
  .related-grid{grid-template-columns:1fr;}
  .tip-card{padding:16px 14px;gap:10px;}
  .tip-num{width:30px;height:30px;font-size:13px;}
  .plan-grid{grid-template-columns:repeat(3,1fr);}
}
.example-box{overflow-x:hidden}
@media(max-width:768px){
.eg-row{flex-direction:column!important;gap:4px!important;align-items:flex-start!important}
.eg-row .er-val{text-align:left!important;max-width:100%!important;font-size:12px!important;width:100%!important}
.eg-row.eg-total .er-val{font-size:13px!important}
}
@media(min-width:769px){
.eg-row{gap:16px!important;align-items:flex-start!important}
.eg-row .er-lbl{flex:1!important;min-width:0!important}
.eg-row .er-val{flex-shrink:0!important;max-width:190px!important;text-align:right!important;font-size:12.5px!important}
.eg-row.eg-total .er-val{max-width:220px!important;font-size:13.5px!important}
}