:root {
  --ink: #0d1b2a;
  --ink-mid: #3d4f63;
  --ink-faint: #8496ab;
  --cream: #f9f7f4;
  --white: #ffffff;
  --border: #e4e0da;
  --border-light: #f0ece6;
  --accent: #1a56db;
  --accent-light: #dbeafe;
  --green: #059669;
  --green-bg: #ecfdf5;
  --red: #dc2626;
  --red-bg: #fef2f2;
  --amber: #d97706;
  --amber-bg: #fffbeb;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 1px 8px rgba(13,27,42,.06), 0 4px 20px rgba(13,27,42,.05);
  --shadow-sm: 0 1px 4px rgba(13,27,42,.06);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--ink);font-size:15px;line-height:1.6;min-height:100vh}

/* ── NAV ── */
nav{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100}
.nav-inner{max-width:1080px;margin:0 auto;padding:0 20px;display:flex;align-items:center;height:56px;gap:24px}
.nav-logo{font-family:'Fraunces',serif;font-size:20px;font-weight:500;color:var(--ink);text-decoration:none;letter-spacing:-.3px;display:flex;align-items:center;gap:8px}
.nav-logo-dot{width:7px;height:7px;background:var(--accent);border-radius:50%;display:inline-block;flex-shrink:0}
.nav-links{display:flex;gap:2px;flex:1}
.nav-links a{color:var(--ink-mid);text-decoration:none;font-size:13px;font-weight:500;padding:5px 10px;border-radius:6px;transition:background .12s,color .12s}
.nav-links a:hover,.nav-links a.active{color:var(--ink);background:var(--cream)}
.hamburger{display:none;background:none;border:none;cursor:pointer;padding:6px;margin-left:auto;flex-direction:column;gap:4px}
.hamburger span{display:block;width:20px;height:1.5px;background:var(--ink);border-radius:2px}
.mobile-menu{display:none;flex-direction:column;background:var(--white);border-bottom:1px solid var(--border);padding:8px 20px 14px}
.mobile-menu.open{display:flex}
.mobile-menu a{color:var(--ink-mid);text-decoration:none;font-size:14px;padding:9px 0;border-bottom:1px solid var(--border-light)}
.mobile-menu a:last-child{border:none}
@media(max-width:640px){
  .nav-links{display:none}
  .hamburger{display:flex}
}

/* ── PAGES ── */
.page{display:none;min-height:calc(100vh - 56px)}
.page.active{display:block}
.container{max-width:1080px;margin:0 auto;padding:28px 20px}

/* ── HERO ── */
.hero{padding:28px 0 20px}
.hero-label{font-family:'Fraunces',serif;font-size:13px;font-weight:400;font-style:italic;color:var(--ink-faint);letter-spacing:.3px;margin-bottom:6px}
.hero-title{font-family:'Fraunces',serif;font-size:28px;font-weight:300;color:var(--ink);line-height:1.25;letter-spacing:-.5px}
.hero-title strong{font-weight:500}

/* ── LOAN TYPE BAR ── */
.loan-type-bar{display:flex;gap:6px;flex-wrap:wrap;margin:18px 0 20px}
.lt-btn{display:flex;align-items:center;gap:5px;padding:6px 13px;border-radius:20px;border:1.5px solid var(--border);background:var(--white);color:var(--ink-mid);font-size:12px;font-weight:500;cursor:pointer;transition:all .12s;font-family:'DM Sans',sans-serif;white-space:nowrap}
.lt-btn svg{width:13px;height:13px;flex-shrink:0}
.lt-btn:hover{border-color:var(--accent);color:var(--accent)}
.lt-btn.active{background:var(--ink);border-color:var(--ink);color:#fff}

/* ── LAYOUT ── */
.two-col{display:grid;grid-template-columns:1fr 300px;gap:20px;align-items:start}
@media(max-width:840px){.two-col{grid-template-columns:1fr}}

/* ── CALC CARD ── */
.calc-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media(max-width:560px){.calc-grid{grid-template-columns:1fr}}

/* ── INPUTS ── */
.input-group{margin-bottom:20px}
.input-label{display:flex;justify-content:space-between;align-items:center;font-size:11px;font-weight:500;color:var(--ink-faint);text-transform:uppercase;letter-spacing:.6px;margin-bottom:9px}
.input-chip{font-family:'DM Mono',monospace;font-size:13px;font-weight:500;color:var(--ink);background:var(--cream);border:1px solid var(--border);padding:3px 9px;border-radius:6px}
input[type=range]{width:100%;-webkit-appearance:none;height:3px;border-radius:2px;background:var(--border);outline:none;cursor:pointer;display:block}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:16px;height:16px;border-radius:50%;background:var(--ink);border:2.5px solid var(--white);box-shadow:0 0 0 1.5px var(--border),0 2px 6px rgba(13,27,42,.2);cursor:pointer;transition:transform .1s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--ink);border:2.5px solid var(--white);cursor:pointer}
.range-ends{display:flex;justify-content:space-between;font-size:10px;color:var(--ink-faint);margin-top:5px}
.quick-btns{display:flex;gap:5px;flex-wrap:wrap;margin-top:8px}
.q-btn{padding:3px 8px;border-radius:4px;border:1px solid var(--border);background:transparent;color:var(--ink-mid);font-size:11px;font-family:'DM Sans',sans-serif;cursor:pointer;transition:all .1s}
.q-btn:hover{border-color:var(--accent);color:var(--accent)}
.tenure-mode{display:inline-flex;border:1px solid var(--border);border-radius:6px;overflow:hidden;margin-top:8px}
.tm-btn{padding:4px 11px;font-size:11px;font-weight:500;font-family:'DM Sans',sans-serif;cursor:pointer;border:none;background:transparent;color:var(--ink-mid);transition:all .12s}
.tm-btn.active{background:var(--ink);color:#fff}
.income-note{font-size:11px;color:var(--ink-faint);margin-top:5px}

/* ── INCOME PIE ── */
.income-pie-wrap{display:flex;align-items:center;gap:14px;margin-top:10px;padding:10px 12px;background:var(--cream);border:1px solid var(--border-light);border-radius:var(--radius-sm)}
.income-pie-legend{display:flex;flex-direction:column;gap:6px;flex:1}
.ipl-item{display:flex;align-items:center;gap:6px;font-size:11px}
.ipl-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}
.ipl-label{color:var(--ink-faint);flex:1}
.ipl-val{font-family:'DM Mono',monospace;font-size:11px;font-weight:500;color:var(--ink)}

/* ── INCOME INPUT ── */
#incomeInput{font-family:'DM Mono',monospace;font-size:13px;font-weight:500;color:var(--ink);background:var(--cream);border:1px solid var(--border);padding:3px 9px;border-radius:6px;width:130px;text-align:right;outline:none;-moz-appearance:textfield}
#incomeInput::-webkit-outer-spin-button,#incomeInput::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
#incomeInput:focus{border-color:var(--accent)}

/* ── RESULTS ── */
.results-panel{display:flex;flex-direction:column;gap:16px}
.emi-hero{background:var(--ink);border-radius:var(--radius-sm);padding:20px;text-align:center}
.emi-hero-label{font-size:10px;font-weight:500;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.45);margin-bottom:6px}
.emi-hero-val{font-family:'Fraunces',serif;font-size:36px;font-weight:400;color:#fff;line-height:1}
.emi-hero-sub{font-size:11px;color:rgba(255,255,255,.35);margin-top:4px}
.afford-pill{display:inline-flex;align-items:center;gap:4px;font-size:10px;font-weight:600;padding:3px 9px;border-radius:12px;margin-top:8px;letter-spacing:.2px;text-transform:uppercase}
.afford-safe{background:rgba(5,150,105,.2);color:#34d399}
.afford-mod{background:rgba(217,119,6,.2);color:#fbbf24}
.afford-risky{background:rgba(220,38,38,.2);color:#f87171}

.stat-list{display:flex;flex-direction:column}
.stat-item{display:flex;justify-content:space-between;align-items:center;padding:8px 0;border-bottom:1px solid var(--border-light)}
.stat-item:last-child{border:none}
.sl{font-size:12px;color:var(--ink-mid)}
.sv{font-size:13px;font-weight:500;font-family:'DM Mono',monospace;color:var(--ink)}
.sv.red{color:var(--red)}
.sv.green{color:var(--green)}

.chart-area{margin:0}
.chart-wrap{position:relative;height:150px}
.legend-row{display:flex;gap:16px;justify-content:center;font-size:11px;color:var(--ink-mid);margin-top:8px}
.leg{display:flex;align-items:center;gap:5px}
.leg-sq{width:8px;height:8px;border-radius:2px;flex-shrink:0}

.insight{background:var(--accent-light);border-radius:var(--radius-sm);padding:10px 13px;font-size:12px;color:var(--ink-mid);line-height:1.6}
.insight strong{color:var(--ink)}

/* ── SECTION TABS ── */
.section-tabs{display:flex;border-bottom:1px solid var(--border);margin-bottom:14px}
.stab{padding:8px 14px;font-size:12px;font-weight:500;cursor:pointer;color:var(--ink-faint);border-bottom:2px solid transparent;margin-bottom:-1px;transition:all .12s}
.stab.active{color:var(--accent);border-bottom-color:var(--accent)}

/* ── TABLE ── */
.table-scroll{max-height:260px;overflow-y:auto;border:1px solid var(--border);border-radius:var(--radius-sm)}
.table-scroll table{width:100%;border-collapse:collapse;font-size:11px}
.table-scroll th{background:var(--ink);color:rgba(255,255,255,.7);font-weight:500;text-align:right;padding:7px 10px;position:sticky;top:0;font-size:10px;letter-spacing:.4px;text-transform:uppercase}
.table-scroll th:first-child{text-align:left}
.table-scroll td{padding:6px 10px;border-bottom:1px solid var(--border-light);text-align:right;font-family:'DM Mono',monospace;font-size:11px}
.table-scroll td:first-child{text-align:left;font-family:'DM Sans',sans-serif;color:var(--ink-mid)}
.table-scroll tr:last-child td{border:none}
.table-scroll tr:hover td{background:var(--cream)}
.int-cell{color:var(--red)}
.bal-cell{color:var(--accent)}

/* ── SECTION CARDS ── */
.section-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:20px;margin-top:16px;box-shadow:var(--shadow-sm)}
.section-head{display:flex;align-items:center;gap:10px;margin-bottom:3px}
.section-head h2{font-size:14px;font-weight:500;color:var(--ink)}
.section-icon{width:30px;height:30px;border-radius:var(--radius-sm);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.section-sub{font-size:12px;color:var(--ink-faint);margin-bottom:14px}

/* ── PREPAY ── */
.prepay-stats{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px}
@media(max-width:400px){.prepay-stats{grid-template-columns:1fr}}
.ps-box{background:var(--cream);border-radius:var(--radius-sm);padding:12px;text-align:center;border:1px solid var(--border-light)}
.ps-val{font-family:'Fraunces',serif;font-size:18px;font-weight:400;color:var(--green)}
.ps-lbl{font-size:10px;color:var(--ink-faint);margin-top:3px;text-transform:uppercase;letter-spacing:.5px}

/* ── COMPARE ── */
.compare-cols{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:14px}
@media(max-width:400px){.compare-cols{grid-template-columns:1fr}}
.cmp-col{border:1.5px solid var(--border);border-radius:var(--radius-sm);padding:14px;transition:border-color .15s}
.cmp-col.winner{border-color:var(--green);background:var(--green-bg)}
.cmp-lender-name{font-size:12px;font-weight:500;margin-bottom:10px;display:flex;align-items:center;justify-content:space-between}
.winner-tag{background:rgba(5,150,105,.15);color:var(--green);font-size:10px;padding:2px 7px;border-radius:8px;font-weight:600}
.cmp-field{margin-bottom:8px}
.cmp-field label{display:block;font-size:10px;color:var(--ink-faint);text-transform:uppercase;letter-spacing:.3px;margin-bottom:3px}
.cmp-field input{width:100%;border:1px solid var(--border);border-radius:6px;padding:5px 8px;font-size:13px;font-family:'DM Mono',monospace;background:var(--white);color:var(--ink);outline:none}
.cmp-field input:focus{border-color:var(--accent)}
.cmp-result-emi{font-family:'Fraunces',serif;font-size:20px;font-weight:400;color:var(--ink);margin-top:8px}
.cmp-result-sub{font-size:11px;color:var(--ink-mid)}
.cmp-verdict{font-size:12px;color:var(--ink-mid);margin-top:10px;padding:9px 12px;background:var(--cream);border-radius:var(--radius-sm);line-height:1.6}
.cmp-verdict strong{color:var(--ink)}

/* ── NO COST EMI ── */
.nc-stats{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px}
@media(max-width:400px){.nc-stats{grid-template-columns:1fr}}
.nc-box{background:var(--cream);border-radius:var(--radius-sm);padding:12px;text-align:center;border:1px solid var(--border-light)}
.nc-val{font-family:'Fraunces',serif;font-size:18px;font-weight:400;color:var(--red)}
.nc-lbl{font-size:10px;color:var(--ink-faint);margin-top:3px;text-transform:uppercase;letter-spacing:.5px}
.nc-good{color:var(--green)}
.nc-warn{color:var(--amber)}
.nc-bad{color:var(--red)}

/* ── SIDEBAR ── */
.sidebar{display:flex;flex-direction:column;gap:14px}
.side-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:16px;box-shadow:var(--shadow-sm)}
.side-card h3{font-size:12px;font-weight:500;color:var(--ink-faint);text-transform:uppercase;letter-spacing:.5px;margin-bottom:12px}
.quick-links a{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink-mid);font-size:12px;padding:7px 0;border-bottom:1px solid var(--border-light)}
.quick-links a:last-child{border:none}
.quick-links a:hover{color:var(--accent)}
.rate-table{width:100%;font-size:11px;border-collapse:collapse}
.rate-table th{text-align:left;color:var(--ink-faint);font-weight:500;padding:4px 0;border-bottom:1px solid var(--border)}
.rate-table td{padding:5px 0;border-bottom:1px solid var(--border-light);color:var(--ink-mid)}
.rate-table td:last-child{text-align:right;font-family:'DM Mono',monospace;font-weight:500;color:var(--ink)}
.rate-table tr:last-child td{border:none}
.rate-note{font-size:10px;color:var(--ink-faint);margin-top:8px;line-height:1.5}

.tip-card{background:var(--ink);border-radius:var(--radius);padding:16px}
.tip-card h4{font-family:'Fraunces',serif;font-size:14px;font-weight:400;color:#fff;margin-bottom:7px}
.tip-card p{font-size:12px;color:rgba(255,255,255,.55);line-height:1.65}

/* ── FAQ ── */
.faq-item{border:1px solid var(--border);border-radius:var(--radius-sm);overflow:hidden;margin-bottom:6px}
.faq-q{padding:11px 14px;font-size:13px;font-weight:500;cursor:pointer;display:flex;justify-content:space-between;align-items:center;background:var(--white);user-select:none;transition:background .1s}
.faq-q:hover{background:var(--cream)}
.faq-a{padding:0 14px;font-size:12px;color:var(--ink-mid);line-height:1.7;max-height:0;overflow:hidden;transition:max-height .3s ease,padding .3s}
.faq-a.open{max-height:300px;padding:10px 14px}
.faq-arrow{transition:transform .25s;color:var(--ink-faint);font-size:12px}
.faq-item.open .faq-arrow{transform:rotate(180deg)}

/* ── INFO PAGE ── */
.info-page{max-width:740px;margin:0 auto}
.info-page h1{font-family:'Fraunces',serif;font-size:24px;font-weight:400;margin-bottom:6px;letter-spacing:-.3px}
.info-page .subtitle{color:var(--ink-mid);font-size:14px;margin-bottom:28px}
.info-section{margin-bottom:24px}
.info-section h2{font-size:15px;font-weight:500;margin-bottom:8px;color:var(--ink)}
.info-section p{color:var(--ink-mid);font-size:13px;line-height:1.75;margin-bottom:10px}
.info-section ul{list-style:none;display:flex;flex-direction:column;gap:7px}
.info-section li{display:flex;align-items:flex-start;gap:8px;font-size:13px;color:var(--ink-mid);line-height:1.6}
.info-section li::before{content:'→';color:var(--accent);font-weight:500;flex-shrink:0;margin-top:1px}
.formula-box{background:var(--ink);border-radius:var(--radius-sm);padding:14px 18px;font-family:'DM Mono',monospace;font-size:13px;color:#fff;margin:14px 0;line-height:1.8}

/* ── FOOTER ── */
footer{background:var(--ink);color:rgba(255,255,255,.5);margin-top:48px}
.footer-inner{max-width:1080px;margin:0 auto;padding:32px 20px 20px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px;margin-bottom:24px}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer-brand{font-family:'Fraunces',serif;font-size:20px;font-weight:400;color:#fff;margin-bottom:7px;letter-spacing:-.3px}
.footer-tagline{font-size:11px;color:rgba(255,255,255,.35);line-height:1.65}
.footer-col h4{color:rgba(255,255,255,.6);font-size:11px;font-weight:500;text-transform:uppercase;letter-spacing:.6px;margin-bottom:10px}
.footer-col a{display:block;color:rgba(255,255,255,.4);text-decoration:none;font-size:12px;margin-bottom:6px;transition:color .12s}
.footer-col a:hover{color:rgba(255,255,255,.85)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:14px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;font-size:10px;color:rgba(255,255,255,.25)}
.footer-bottom a{color:rgba(255,255,255,.35);text-decoration:none}
.footer-bottom a:hover{color:rgba(255,255,255,.7)}
.disclaimer-banner{background:rgba(255,255,255,.04);border-radius:var(--radius-sm);padding:10px 14px;font-size:10px;color:rgba(255,255,255,.3);line-height:1.65;margin-bottom:16px}

@media(max-width:560px){
  .hero-title{font-size:22px}
  .emi-hero-val{font-size:30px}
  .calc-card{padding:16px}
  .container{padding:18px 14px}
  #amtInput{width:110px;font-size:12px}
  #incomeInput{width:110px;font-size:12px}
}

/* amount input style */
#amtInput{font-family:'DM Mono',monospace;font-size:13px;font-weight:500;color:var(--ink);background:var(--cream);border:1px solid var(--border);padding:3px 9px;border-radius:6px;width:130px;text-align:right;outline:none;-moz-appearance:textfield}
#amtInput::-webkit-outer-spin-button,#amtInput::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
#amtInput:focus{border-color:var(--accent)}