:root {
  --teal: #00c896;
  --teal-dark: #00a57c;
  --teal-deep: #008f6b;
  --navy: #0b1f33;
  --navy-2: #143049;
  --mint: #e8fbf4;
  --mint-2: #d4f5e8;
  --gold: #e8b84a;
  --gold-soft: #fff4d6;
  --bg: #f3f7f5;
  --card: #ffffff;
  --text: #111827;
  --muted: #5b6570;
  --border: #e4ebe7;
  --shadow: 0 10px 30px rgba(11, 31, 51, 0.08);
  --radius: 16px;
  --header-h: 72px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.55;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font-family: inherit; }
button { cursor: pointer; }

.wrap { width: min(1180px, calc(100% - 32px)); margin: 0 auto; }
.muted { color: var(--muted); }
.hidden { display: none !important; }

/* Header */
.header {
  position: sticky; top: 0; z-index: 50;
  height: var(--header-h);
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  height: 100%;
  display: flex; align-items: center; gap: 28px;
}
.brand { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.brand img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; }
.brand-name { font-weight: 800; font-size: 1.2rem; letter-spacing: -0.03em; }
.brand-name span { color: var(--teal-dark); }
.nav { display: flex; gap: 6px; align-items: center; }
.nav a, .nav button.linkish {
  padding: 8px 12px; border-radius: 10px; color: var(--muted); font-weight: 600; font-size: .92rem;
  background: none; border: 0;
}
.nav a:hover, .nav a.active, .nav button.linkish:hover { color: var(--navy); background: var(--mint); }
.search {
  flex: 1; max-width: 360px; margin-left: auto;
  display: flex; align-items: center; gap: 8px;
  background: #f4f6f8; border: 1px solid var(--border); border-radius: 999px; padding: 8px 14px;
}
.search input { border: 0; background: transparent; outline: none; width: 100%; font-size: .92rem; }
.search-panel {
  position: absolute; top: calc(100% + 8px); left: 0; right: 0;
  background: #fff; border: 1px solid var(--border); border-radius: 14px;
  box-shadow: var(--shadow); display: none; max-height: 320px; overflow: auto;
}
.search { position: relative; }
.search.open .search-panel { display: block; z-index: 80; }
.search-hit { display: block; padding: 10px 14px; font-size: .9rem; }
.search-hit:hover { background: var(--mint); }
.header-actions { display: flex; align-items: center; gap: 10px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border: 0; border-radius: 999px; font-weight: 700; padding: 10px 18px; transition: .2s ease;
}
.btn-primary { background: var(--teal); color: #073326; }
.btn-primary:hover { background: #12d6a4; transform: translateY(-1px); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); }
.btn-ghost { background: transparent; border: 1px solid var(--border); color: var(--navy); }
.btn-full { width: 100%; }
.hamburger { display: none; width: 42px; height: 42px; border: 1px solid var(--border); border-radius: 12px; background: #fff; }

.dropdown { position: relative; }
.dropdown-menu {
  display: none; position: absolute; top: 100%; left: 0; min-width: 240px;
  background: #fff; border: 1px solid var(--border); border-radius: 14px; box-shadow: var(--shadow); padding: 8px;
}
.dropdown:hover .dropdown-menu, .dropdown:focus-within .dropdown-menu { display: block; }
.dropdown-menu a { display: block; padding: 10px 12px; border-radius: 10px; font-size: .9rem; }
.dropdown-menu a:hover { background: var(--mint); }

.mobile-nav {
  display: none; background: #fff; border-bottom: 1px solid var(--border); padding: 12px 16px 20px;
}
.mobile-nav a { display: block; padding: 10px 8px; font-weight: 600; }

/* Hero */
.hero {
  position: relative; overflow: hidden;
  background: var(--navy); color: #fff; border-radius: 0 0 28px 28px;
}
.hero-bg {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: .38;
}
.hero-inner { position: relative; padding: 64px 0 56px; display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: center; }
.kicker {
  display: inline-flex; gap: 8px; align-items: center;
  background: rgba(0,200,150,.16); color: #9ff5dc; border: 1px solid rgba(0,200,150,.3);
  padding: 6px 12px; border-radius: 999px; font-size: .78rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
}
.hero h1 { font-size: clamp(2rem, 4vw, 3.4rem); line-height: 1.12; letter-spacing: -0.04em; margin: 16px 0 14px; }
.hero p { color: #c9d6df; font-size: 1.05rem; max-width: 540px; }
.hero-cta { display: flex; gap: 12px; margin-top: 24px; flex-wrap: wrap; }
.hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 32px; }
.stat { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.1); border-radius: 14px; padding: 14px; }
.stat b { display: block; font-size: 1.25rem; }
.stat span { color: #9fb0bd; font-size: .8rem; }
.hero-card {
  background: rgba(255,255,255,.96); color: var(--text); border-radius: 20px; padding: 22px;
  box-shadow: 0 20px 50px rgba(0,0,0,.25);
}
.hero-card h3 { margin-bottom: 8px; }
.mini-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px dashed var(--border); font-size: .92rem; }
.mini-row:last-of-type { border-bottom: 0; }
.mini-emi { font-size: 1.8rem; font-weight: 800; color: var(--teal-deep); letter-spacing: -0.03em; }

/* Banners */
.announce {
  display: flex; gap: 10px; overflow: auto; padding: 18px 0 0;
}
.announce a {
  min-width: 280px; background: #fff; border: 1px solid var(--border); border-radius: 14px;
  padding: 14px 16px; display: flex; gap: 12px; align-items: center;
}
.pill { background: var(--gold-soft); color: #8a6200; font-size: .72rem; font-weight: 800; padding: 3px 8px; border-radius: 999px; }
.section { padding: 56px 0; }
.section h2 { font-size: 1.8rem; letter-spacing: -0.03em; margin-bottom: 8px; }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 16px; margin-bottom: 24px; }

.grid-calcs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.calc-card {
  background: #fff; border: 1px solid var(--border); border-radius: 18px; overflow: hidden;
  box-shadow: 0 6px 18px rgba(11,31,51,.04); transition: .2s ease;
}
.calc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.calc-card img { height: 140px; width: 100%; object-fit: cover; }
.calc-card .body { padding: 14px 16px 18px; }
.calc-card h3 { font-size: 1rem; margin-bottom: 4px; }
.calc-card p { font-size: .84rem; color: var(--muted); }

.promo {
  display: grid; grid-template-columns: 1.4fr .8fr; gap: 0; overflow: hidden;
  border-radius: 22px; background: var(--navy); color: #fff; margin-top: 12px;
}
.promo img { height: 100%; object-fit: cover; min-height: 220px; }
.promo-copy { padding: 36px; }
.promo-copy h2 { color: #fff; }

.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.feature { background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 22px; }
.feature .ico { width: 42px; height: 42px; border-radius: 12px; background: var(--mint); display: grid; place-items: center; font-size: 1.2rem; margin-bottom: 12px; }

/* Layout with sidebar */
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 28px; padding: 28px 0 64px; }
.page-title { font-size: clamp(1.6rem, 3vw, 2.2rem); letter-spacing: -0.03em; margin: 8px 0 6px; }
.crumbs { font-size: .84rem; color: var(--muted); display: flex; gap: 8px; flex-wrap: wrap; }
.crumbs a:hover { color: var(--teal-deep); }

.tabs { display: flex; flex-wrap: wrap; gap: 8px; margin: 18px 0 8px; }
.tab {
  border: 1px solid var(--border); background: #fff; border-radius: 999px;
  padding: 8px 14px; font-weight: 700; font-size: .82rem; color: var(--muted);
}
.tab.active { background: var(--navy); color: #fff; border-color: var(--navy); }

.calc-shell {
  background: #fff; border: 1px solid var(--border); border-radius: 22px; padding: 22px;
  box-shadow: 0 8px 24px rgba(11,31,51,.05);
}
.calc-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 28px; }
.field { margin-bottom: 18px; }
.field-top { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 8px; font-weight: 600; }
.numbox {
  display: flex; align-items: center; background: var(--mint); border-radius: 10px; padding: 6px 10px; min-width: 132px;
}
.numbox span { color: var(--teal-deep); font-weight: 700; }
.numbox input {
  width: 100%; border: 0; background: transparent; text-align: right; font-weight: 800; color: var(--teal-deep); outline: none;
  font-size: 1.05rem;
}
input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
input[type="number"] { -moz-appearance: textfield; appearance: textfield; }
input[type="range"] {
  width: 100%; accent-color: var(--teal); height: 6px; cursor: pointer;
}
.range-meta { display: flex; justify-content: space-between; font-size: .75rem; color: var(--muted); margin-top: 4px; }

.results { }
.emi-big { font-size: 2rem; font-weight: 800; letter-spacing: -0.04em; color: var(--navy); }
.legend { display: flex; gap: 16px; font-size: .82rem; color: var(--muted); margin-bottom: 12px; }
.dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; margin-right: 6px; }
.donut-wrap { display: grid; place-items: center; padding: 8px 0 16px; }
.donut {
  width: 210px; height: 210px; border-radius: 50%;
  background: conic-gradient(var(--mint-2) 0 70%, var(--navy) 0);
  mask: radial-gradient(farthest-side, transparent 58%, #000 59%);
  -webkit-mask: radial-gradient(farthest-side, transparent 58%, #000 59%);
}
.result-table { width: 100%; border-collapse: collapse; }
.result-table td { padding: 10px 0; border-bottom: 1px solid var(--border); font-size: .95rem; }
.result-table td:last-child { text-align: right; font-weight: 800; }

.amort-toggle {
  margin-top: 16px; border: 1px dashed var(--border); border-radius: 14px; padding: 14px;
  display: flex; justify-content: space-between; align-items: center; background: #fafcfb;
}
.plus {
  width: 36px; height: 36px; border-radius: 50%; border: 0; background: var(--mint); color: var(--teal-deep); font-size: 1.4rem;
}
.table-wrap { overflow: auto; margin-top: 12px; }
.sched {
  width: 100%; border-collapse: collapse; font-size: .85rem; min-width: 640px;
}
.sched th, .sched td { padding: 10px 8px; border-bottom: 1px solid var(--border); text-align: right; }
.sched th:first-child, .sched td:first-child { text-align: left; }
.sched thead { background: var(--navy); color: #fff; }
.view-switch { display: flex; gap: 6px; }
.view-switch button { border: 1px solid var(--border); background: #fff; border-radius: 8px; padding: 4px 10px; font-size: .78rem; font-weight: 700; }
.view-switch button.on { background: var(--teal); border-color: var(--teal); }

.sidebar-card {
  background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 16px; margin-bottom: 16px;
}
.sidebar-card h3 { font-size: .95rem; margin-bottom: 10px; }
.side-link { display: block; padding: 10px 0; border-bottom: 1px solid var(--border); font-size: .9rem; }
.side-link:last-child { border-bottom: 0; }
.side-link:hover { color: var(--teal-deep); }
.cta-card { background: linear-gradient(160deg, #0b1f33, #145c4a); color: #fff; }
.cta-card p { color: #c9e8dc; font-size: .88rem; margin: 8px 0 14px; }

.content { background: #fff; border: 1px solid var(--border); border-radius: 20px; padding: 28px; margin-top: 22px; }
.content h2 { font-size: 1.35rem; margin: 22px 0 10px; }
.content h3 { font-size: 1.08rem; margin: 18px 0 8px; }
.content p, .content li { color: #3d4751; margin-bottom: 10px; }
.content ul { padding-left: 18px; }
.formula {
  background: var(--navy); color: #e8fff7; border-radius: 14px; padding: 16px 18px; font-family: ui-monospace, Consolas, monospace;
  font-size: .92rem; margin: 12px 0 16px; overflow: auto;
}
.plans { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.plan { border: 1px solid var(--border); border-radius: 14px; padding: 14px; background: #fbfdfc; }
.plan b { display: block; margin-bottom: 6px; }

.faq details {
  border-bottom: 1px solid var(--border); padding: 12px 0;
}
.faq summary { cursor: pointer; font-weight: 700; }
.faq p { margin-top: 8px; }

/* Auth / contact */
.auth-page { display: grid; grid-template-columns: 1fr 1fr; min-height: calc(100vh - var(--header-h)); }
.auth-art { overflow: hidden; background: var(--navy); }
.auth-art img { width: 100%; height: 100%; object-fit: cover; opacity: .9; }
.auth-form { display: grid; place-items: center; padding: 32px 16px; }
.form-card { width: min(440px, 100%); background: #fff; border: 1px solid var(--border); border-radius: 20px; padding: 28px; box-shadow: var(--shadow); }
.form-card h1 { font-size: 1.7rem; margin-bottom: 6px; }
label { display: block; font-weight: 700; font-size: .85rem; margin: 14px 0 6px; }
.input {
  width: 100%; padding: 12px 14px; border: 1px solid var(--border); border-radius: 12px; background: #f8faf9; font-size: 1rem;
}
.input:focus { outline: 2px solid rgba(0,200,150,.35); border-color: var(--teal); }
.alert { padding: 10px 12px; border-radius: 10px; font-size: .88rem; margin-bottom: 10px; }
.alert-ok { background: var(--mint); color: #0a5c43; }
.alert-err { background: #ffe8e8; color: #9b1c1c; }
.note { font-size: .82rem; color: var(--muted); margin-top: 12px; }

.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 24px; padding: 36px 0 72px; }
.contact-info { background: var(--navy); color: #fff; border-radius: 20px; padding: 28px; }
.contact-info a { color: var(--teal); font-weight: 700; }

/* Footer */
.footer { background: #0b1f33; color: #c5d0d8; padding: 48px 0 24px; margin-top: auto; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 28px; }
.footer h4 { color: #fff; margin-bottom: 12px; }
.footer a { display: block; padding: 4px 0; color: #c5d0d8; font-size: .9rem; }
.footer a:hover { color: var(--teal); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); margin-top: 28px; padding-top: 16px; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: .82rem; }
.disclaimer { font-size: .78rem; color: var(--muted); margin-top: 14px; }

@media (max-width: 980px) {
  .nav, .search { display: none; }
  .hamburger { display: grid; place-items: center; }
  .hero-inner, .calc-grid, .layout, .auth-page, .contact-grid, .promo, .grid-calcs, .features, .plans, .footer-grid {
    grid-template-columns: 1fr;
  }
  .grid-calcs { grid-template-columns: 1fr 1fr; }
  .hero-inner { padding: 36px 0; }
  .auth-art { display: none; }
}
@media (max-width: 640px) {
  .grid-calcs, .hero-stats { grid-template-columns: 1fr; }
  .header-actions .btn-ghost { display: none; }
}