/* ===== VARIABLES ===== */
:root {
  --bg: #060b18;
  --card: #0d1529;
  --card2: #111e38;
  --card3: #162444;
  --accent: #4f9eff;
  --accent2: #f5c842;
  --accent3: #00d4aa;
  --gold: #f5c842;
  --text: #eaecf4;
  --muted: #7a8499;
  --muted2: #a0aabb;
  --border: rgba(255,255,255,0.07);
  --border2: rgba(255,255,255,0.12);
  --radius: 16px;
  --radius-sm: 10px;
  --max: 1100px;
  --shadow: 0 4px 32px rgba(0,0,0,0.4);
}

* { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--text);
  min-height: 100vh;
  overflow-x: hidden;
  line-height: 1.7;
}

/* === RICH BACKGROUND — stronger, more visible now === */
body::before {
  content:'';
  position:fixed; top:0; left:0; width:100%; height:100%;
  background:
    radial-gradient(ellipse 80% 50% at 10% -5%, rgba(79,158,255,0.14) 0%, transparent 55%),
    radial-gradient(ellipse 60% 40% at 90% 110%, rgba(245,200,66,0.08) 0%, transparent 50%),
    radial-gradient(ellipse 50% 60% at 50% 50%, rgba(79,158,255,0.05) 0%, transparent 70%);
  pointer-events:none; z-index:0;
}
/* Subtle grid texture */
body::after {
  content:'';
  position:fixed; top:0; left:0; width:100%; height:100%;
  background-image:
    linear-gradient(rgba(255,255,255,0.018) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.018) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events:none; z-index:0;
}

a { color: inherit; text-decoration: none; }

/* ===== HEADER ===== */
header {
  position:sticky; top:0; z-index:100;
  background: rgba(7,9,15,0.92);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-bottom: 1px solid var(--border);
  padding: 0 20px;
}
.header-inner {
  max-width: var(--max);
  margin: 0 auto;
  display:flex; align-items:center; justify-content:space-between;
  height:62px; gap:16px;
}
.logo {
  font-family:'Syne',sans-serif; font-weight:800; font-size:1.35rem;
  color:var(--accent); white-space:nowrap; letter-spacing:-0.5px;
}
.logo span { color:var(--accent2); }
nav { display:flex; gap:2px; flex-wrap:wrap; }
nav a {
  color:var(--muted); font-size:0.82rem; font-weight:500;
  padding:6px 12px; border-radius:8px; transition:all 0.2s;
}
nav a:hover { background: rgba(0,212,170,0.1); color:var(--accent); }
nav a.active {
  background: rgba(0,212,170,0.12); color:var(--accent); font-weight:600;
}
.nav-cta {
  background: linear-gradient(135deg,rgba(0,212,170,0.2),rgba(0,212,170,0.1));
  border:1px solid rgba(0,212,170,0.35);
  color:var(--accent); padding:7px 16px; border-radius:8px;
  font-size:0.82rem; font-weight:600; white-space:nowrap; transition:all 0.2s;
}
.nav-cta:hover { background: rgba(0,212,170,0.25); border-color:rgba(0,212,170,0.5); }

/* ===== HERO ===== */
.hero {
  position:relative; z-index:1;
  text-align:center; padding:64px 20px 40px;
  max-width:780px; margin:0 auto;
}
.hero-badge {
  display:inline-flex; align-items:center; gap:8px;
  background: rgba(0,212,170,0.08); border:1px solid rgba(0,212,170,0.22);
  color:var(--accent); font-size:0.75rem; font-weight:600;
  padding:5px 16px; border-radius:100px; margin-bottom:24px; letter-spacing:0.5px;
}
.badge-dot {
  width:6px; height:6px; background:var(--accent);
  border-radius:50%; animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot {
  0%,100%{opacity:1;transform:scale(1)}
  50%{opacity:0.5;transform:scale(0.8)}
}
.hero h1 {
  font-family:'Syne',sans-serif; font-size:clamp(2.1rem,6vw,3.4rem);
  font-weight:800; line-height:1.08; margin-bottom:18px; color:#fff;
  letter-spacing:-1px;
}
.hero h1 em {
  font-style:normal;
  background:linear-gradient(135deg,var(--accent) 0%,#00f5c4 50%,var(--accent2) 100%);
  -webkit-background-clip:text; -webkit-text-fill-color:transparent; background-clip:text;
}
.hero-desc { color:var(--muted2); font-size:1.05rem; margin-bottom:28px; line-height:1.7; }
.hero-value {
  display:flex; gap:10px; justify-content:center; flex-wrap:wrap; margin-bottom:0;
}
.hero-value-tag {
  display:inline-flex; align-items:center; gap:7px;
  background:var(--card); border:1px solid var(--border2);
  border-radius:100px; padding:7px 16px;
  font-size:0.78rem; color:var(--muted2); font-weight:500;
}
.hero-value-tag .tag-icon { font-size:0.85rem; }

/* ===== STATS BAR ===== */
.stats-bar {
  position:relative; z-index:1;
  padding:0 20px; margin-bottom:48px;
}
.stats-inner {
  max-width:var(--max); margin:0 auto;
  background:var(--card); border:1px solid var(--border2);
  border-radius:var(--radius); padding:22px 32px;
  display:flex; justify-content:space-around; align-items:center;
  gap:20px; flex-wrap:wrap;
}
.stat-item { text-align:center; }
.stat-item .s-num {
  font-family:'Syne',sans-serif; font-size:1.65rem; font-weight:800;
  background:linear-gradient(135deg,var(--accent),#00f5c4);
  -webkit-background-clip:text; -webkit-text-fill-color:transparent; background-clip:text;
}
.stat-item .s-label { font-size:0.7rem; color:var(--muted); font-weight:500; text-transform:uppercase; letter-spacing:0.5px; margin-top:3px; }
.stats-divider { width:1px; height:36px; background:var(--border2); }

/* ===== TRUST STRIP ===== */
.trust-strip {
  position:relative; z-index:1;
  max-width:var(--max); margin:0 auto 40px; padding:0 20px;
}
.trust-strip-inner {
  background:var(--card); border:1px solid var(--border);
  border-radius:var(--radius); padding:20px 28px;
  display:flex; justify-content:space-around; align-items:center;
  gap:16px; flex-wrap:wrap;
}
.trust-item { display:flex; align-items:center; gap:12px; }
.trust-icon {
  width:38px; height:38px; border-radius:10px;
  background:rgba(0,212,170,0.1); border:1px solid rgba(0,212,170,0.15);
  display:flex; align-items:center; justify-content:center; font-size:1rem; flex-shrink:0;
}
.trust-label { font-size:0.82rem; font-weight:700; color:var(--text); line-height:1.2; }
.trust-sub { font-size:0.7rem; color:var(--muted); margin-top:1px; }

/* ===== TOOLS SECTION ===== */
.tools-section { position:relative; z-index:1; padding:0 20px 60px; }
.tools-inner { max-width:var(--max); margin:0 auto; }
.section-title {
  font-family:'Syne',sans-serif; font-size:1.9rem; font-weight:800;
  color:#fff; text-align:center; margin-bottom:8px; letter-spacing:-0.5px;
}
.section-sub { text-align:center; color:var(--muted); margin-bottom:36px; font-size:0.92rem; }
.tools-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(300px,1fr)); gap:18px; }
.tool-card {
  background:var(--card); border:1px solid var(--border);
  border-radius:var(--radius); padding:26px;
  transition:all 0.28s cubic-bezier(0.2,0,0,1);
  position:relative; overflow:hidden; display:block;
}
.tool-card::after {
  content:''; position:absolute; left:0; top:0; bottom:0; width:3px;
  background:linear-gradient(180deg,var(--accent),var(--accent2));
  transform:scaleY(0); transition:transform 0.3s;
  transform-origin:top;
}
.tool-card:hover { border-color:rgba(0,212,170,0.25); transform:translateY(-5px); box-shadow:0 12px 40px rgba(0,0,0,0.3); }
.tool-card:hover::after { transform:scaleY(1); }
.tc-header { display:flex; align-items:center; gap:14px; margin-bottom:12px; }
.tc-icon {
  width:44px; height:44px; border-radius:12px;
  background:rgba(0,212,170,0.1); border:1px solid rgba(0,212,170,0.15);
  display:flex; align-items:center; justify-content:center; font-size:1.3rem; flex-shrink:0;
}
.tool-card h3 {
  font-family:'Syne',sans-serif; font-size:1.05rem; font-weight:700;
  color:#fff; line-height:1.2;
}
.tool-card p { font-size:0.84rem; color:var(--muted); line-height:1.65; }
.tc-footer { display:flex; align-items:center; justify-content:space-between; margin-top:16px; }
.tc-badge {
  display:inline-block;
  background:rgba(0,212,170,0.1); border:1px solid rgba(0,212,170,0.2);
  color:var(--accent); font-size:0.67rem; font-weight:700;
  padding:3px 10px; border-radius:100px; text-transform:uppercase; letter-spacing:0.5px;
}
.tc-arrow { color:var(--muted); font-size:0.9rem; transition:transform 0.2s,color 0.2s; }
.tool-card:hover .tc-arrow { transform:translateX(5px); color:var(--accent); }

/* ===== CALC AREA ===== */
.calc-area { position:relative; z-index:1; max-width:var(--max); margin:0 auto; padding:0 20px 60px; }
.calc-grid { display:grid; grid-template-columns:1fr 1fr; gap:24px; }
.card {
  background:var(--card); border:1px solid var(--border);
  border-radius:var(--radius); padding:28px;
}
.card h2 {
  font-family:'Syne',sans-serif; font-size:1.15rem; font-weight:700;
  margin-bottom:24px; color:#fff; display:flex; align-items:center; gap:10px;
}

/* ===== FORM FIELDS ===== */
.field { margin-bottom:22px; }
.field label {
  display:flex; justify-content:space-between; align-items:center;
  font-size:0.82rem; color:var(--muted); margin-bottom:10px; font-weight:500;
}
.field label span { color:var(--accent); font-weight:700; font-size:0.93rem; }

/* ===== MANUAL NUMBER INPUT (slider + type) ===== */
.num-input-wrap {
  display:flex; align-items:center; gap:4px;
  background:rgba(79,158,255,0.08);
  border:1.5px solid rgba(79,158,255,0.28);
  border-radius:8px;
  padding:5px 10px 5px 8px;
  transition:border-color 0.2s;
}
.num-input-wrap:focus-within {
  border-color:var(--accent);
  background:rgba(79,158,255,0.13);
}
.num-prefix { color:var(--accent); font-size:0.85rem; font-weight:700; flex-shrink:0; }
.num-suffix { color:var(--muted2); font-size:0.8rem; flex-shrink:0; }
.num-input-wrap input[type="number"] {
  background:transparent; border:none; outline:none;
  color:var(--accent); font-family:'Syne',sans-serif;
  font-weight:700; font-size:0.93rem;
  width:80px; text-align:right;
  -moz-appearance:textfield;
}
.num-input-wrap input[type="number"]::-webkit-outer-spin-button,
.num-input-wrap input[type="number"]::-webkit-inner-spin-button { -webkit-appearance:none; margin:0; }
input[type="range"] {
  width:100%; height:4px; -webkit-appearance:none;
  background:linear-gradient(to right,var(--accent) 0%,var(--card2) 0%);
  border-radius:4px; outline:none; cursor:pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance:none; width:20px; height:20px;
  background:var(--accent); border-radius:50%;
  border:3px solid var(--bg); box-shadow:0 0 0 2px var(--accent); cursor:pointer;
}
.num-input-wrap { position:relative; margin-top:10px; }
.num-input-wrap .prefix {
  position:absolute; left:12px; top:50%; transform:translateY(-50%);
  color:var(--accent); font-weight:600; font-size:0.9rem;
}
.num-input-wrap input[type="number"] {
  width:100%; background:var(--card2); border:1px solid var(--border);
  border-radius:8px; padding:10px 12px 10px 28px; color:#fff;
  font-family:'DM Sans',sans-serif; font-size:0.9rem; outline:none; transition:border-color 0.2s;
}
.num-input-wrap input[type="number"]:focus { border-color:var(--accent); }
input[type="number"]::-webkit-outer-spin-button,
input[type="number"]::-webkit-inner-spin-button { -webkit-appearance:none; }

/* ===== RESULT CARD — fixed visual hierarchy ===== */
.result-card {
  background:linear-gradient(145deg,rgba(0,212,170,0.07),rgba(0,212,170,0.02));
  border:1px solid rgba(0,212,170,0.18); border-radius:var(--radius); padding:28px;
  position:relative; overflow:hidden;
}
.result-card::before {
  content:'';
  position:absolute; top:-50px; right:-50px; width:130px; height:130px;
  background:radial-gradient(circle,rgba(0,212,170,0.14),transparent 70%);
  pointer-events:none;
}
.result-main { text-align:center; margin-bottom:24px; padding-bottom:20px; border-bottom:1px solid var(--border); }
.result-label {
  font-size:0.7rem; color:var(--muted); text-transform:uppercase;
  letter-spacing:1.5px; margin-bottom:8px; font-weight:600;
}
/* PRIMARY — big, gradient, unmissable */
.result-value {
  font-family:'Syne',sans-serif; font-size:3.3rem; font-weight:800;
  background:linear-gradient(135deg,var(--accent),#00f5c4);
  -webkit-background-clip:text; -webkit-text-fill-color:transparent; background-clip:text;
  line-height:1; letter-spacing:-2px;
}
.result-value sup { font-size:1.5rem; vertical-align:super; letter-spacing:0; }
/* Secondary — smaller, lower contrast on purpose */
.result-breakdown { display:flex; flex-direction:column; margin-bottom:20px; border:1px solid var(--border2); border-radius:var(--radius-sm); overflow:hidden; }
.breakdown-item {
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 18px;
  border-bottom:1px solid var(--border);
  background:transparent;
  transition:background 0.15s;
}
.breakdown-item:last-child { border-bottom:none; }
.breakdown-item:last-child { background:rgba(79,158,255,0.05); }
.breakdown-item .b-label { font-size:0.83rem; color:var(--muted2); font-weight:500; }
.breakdown-item .b-value { font-family:'Syne',sans-serif; font-size:0.95rem; font-weight:700; color:var(--text); }
.breakdown-item.interest .b-value { color:var(--accent3); }
.breakdown-item:last-child .b-label { color:var(--text); font-weight:600; }
.breakdown-item:last-child .b-value { color:var(--accent); font-size:1.05rem; }

/* ===== DONUT ===== */
.donut-wrap { display:flex; justify-content:center; align-items:center; gap:20px; flex-wrap:wrap; }
.donut-svg { filter:drop-shadow(0 4px 24px rgba(0,212,170,0.18)); }
.donut-legend { display:flex; flex-direction:column; gap:10px; }
.legend-item { display:flex; align-items:center; gap:9px; font-size:0.8rem; color:var(--muted2); }
.legend-dot { width:10px; height:10px; border-radius:50%; flex-shrink:0; }

/* ===== OPTION BUTTONS ===== */
.opt-btns { display:flex; gap:8px; flex-wrap:wrap; margin-top:8px; }
.opt-btn {
  flex:1; min-width:50px; padding:8px 10px;
  border:1px solid var(--border); border-radius:8px;
  background:var(--card2); color:var(--muted);
  font-size:0.82rem; font-weight:600; cursor:pointer; text-align:center;
  transition:all 0.2s; font-family:'DM Sans',sans-serif;
}
.opt-btn.active, .opt-btn:hover {
  border-color:var(--accent); color:var(--accent); background:rgba(0,212,170,0.1);
}

/* ===== COPY BUTTON ===== */
.copy-btn {
  background:linear-gradient(135deg,var(--accent),#00b894);
  border:none; border-radius:8px; padding:12px 20px;
  color:#000; font-weight:700; font-size:0.85rem;
  cursor:pointer; width:100%; margin-top:18px;
  font-family:'DM Sans',sans-serif; transition:all 0.2s;
}
.copy-btn:hover { opacity:0.88; transform:translateY(-1px); }

/* ===== AD SLOT ===== */
.ad-slot-wrap { position:relative; z-index:1; max-width:var(--max); margin:0 auto 30px; padding:0 20px; }
.ad-slot {
  background:var(--card); border:1px dashed rgba(255,255,255,0.06);
  border-radius:10px; padding:20px; text-align:center;
  color:var(--muted); font-size:0.75rem; min-height:90px;
  display:flex; align-items:center; justify-content:center;
}

/* ===== SEO SECTION ===== */
.seo-section { position:relative; z-index:1; padding:0 20px 60px; }
.seo-inner { max-width:var(--max); margin:0 auto; }
.seo-inner h2 {
  font-family:'Syne',sans-serif; font-size:1.6rem; font-weight:700;
  color:#fff; margin:40px 0 14px; letter-spacing:-0.3px;
}
.seo-inner h2:first-child { margin-top:0; }
.seo-inner h3 {
  font-family:'Syne',sans-serif; font-size:1.1rem; font-weight:700;
  color:#fff; margin:28px 0 10px;
}
.seo-inner p { color:var(--muted2); font-size:0.9rem; line-height:1.85; margin-bottom:14px; }
.seo-inner ul, .seo-inner ol {
  color:var(--muted2); font-size:0.9rem; line-height:1.85;
  padding-left:20px; margin-bottom:14px;
}
.seo-inner li { margin-bottom:6px; }
.seo-inner strong { color:var(--text); }
.seo-inner table { width:100%; border-collapse:collapse; margin:20px 0; font-size:0.85rem; }
.seo-inner th {
  background:var(--card2); color:var(--accent);
  padding:10px 14px; text-align:left; font-weight:600;
  border-bottom:1px solid var(--border); font-size:0.76rem; text-transform:uppercase; letter-spacing:0.5px;
}
.seo-inner td { padding:10px 14px; color:var(--muted2); border-bottom:1px solid var(--border); }
.seo-inner tr:hover td { background:rgba(255,255,255,0.02); }

/* Why grid */
.why-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(220px,1fr)); gap:14px; margin:24px 0; }
.why-item {
  display:flex; gap:12px; align-items:flex-start;
  background:var(--card); border:1px solid var(--border); border-radius:12px; padding:18px;
}
.why-item > span { font-size:1.2rem; margin-top:2px; }
.why-item strong { display:block; color:#fff; margin-bottom:4px; font-size:0.9rem; }
.why-item p { color:var(--muted); font-size:0.82rem; margin:0; }

/* ===== FAQ ===== */
.faq-section { position:relative; z-index:1; padding:0 20px 60px; }
.faq-inner { max-width:var(--max); margin:0 auto; }
.faq-item {
  background:var(--card); border:1px solid var(--border);
  border-radius:12px; padding:18px 22px; margin-bottom:8px; cursor:pointer; transition:all 0.2s;
}
.faq-item:hover { border-color:rgba(0,212,170,0.2); }
.faq-q {
  font-weight:600; color:var(--text); font-size:0.92rem;
  display:flex; justify-content:space-between; align-items:center; gap:10px;
}
.faq-q .faq-icon { color:var(--accent); font-size:1.2rem; flex-shrink:0; }
.faq-a { color:var(--muted2); font-size:0.88rem; line-height:1.75; margin-top:12px; display:none; }
.faq-item.open .faq-a { display:block; }
.faq-item.open { border-color:rgba(0,212,170,0.22); background:rgba(0,212,170,0.03); }
.faq-item.open .faq-q { color:var(--accent); }

/* ===== BLOG SECTION ===== */
.blog-section { position:relative; z-index:1; padding:0 20px 60px; }
.blog-inner { max-width:var(--max); margin:0 auto; }
.blog-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(280px,1fr)); gap:18px; margin:30px 0 24px; }
.blog-card {
  background:var(--card); border:1px solid var(--border);
  border-radius:var(--radius); padding:24px; transition:all 0.25s; display:block;
}
.blog-card:hover { border-color:rgba(0,212,170,0.25); transform:translateY(-3px); box-shadow:0 8px 32px rgba(0,0,0,0.3); }
.blog-tag {
  display:inline-block; background:rgba(0,212,170,0.08);
  border:1px solid rgba(0,212,170,0.18); color:var(--accent);
  font-size:0.67rem; font-weight:700; padding:3px 10px;
  border-radius:100px; margin-bottom:10px; text-transform:uppercase; letter-spacing:0.5px;
}
.blog-card h3 { font-family:'Syne',sans-serif; font-size:1rem; font-weight:700; color:#fff; margin-bottom:8px; line-height:1.45; }
.blog-card p { font-size:0.82rem; color:var(--muted); line-height:1.6; }
.view-all-btn {
  display:inline-block; background:transparent;
  border:1px solid var(--border2); color:var(--muted2);
  padding:10px 24px; border-radius:8px; font-size:0.85rem;
  font-weight:600; transition:all 0.2s;
}
.view-all-btn:hover { border-color:var(--accent); color:var(--accent); }

/* ===== INFO BOX ===== */

/* ===== TAX SLABS ===== */
.slab-box { background:var(--card2); border-radius:10px; padding:16px; margin:16px 0; }
.slab-box h4 { font-size:0.74rem; color:var(--muted); margin-bottom:10px; text-transform:uppercase; letter-spacing:0.5px; font-weight:600; }
.slab-row {
  display:flex; justify-content:space-between;
  font-size:0.82rem; padding:7px 0;
  border-bottom:1px solid var(--border); color:var(--muted2);
}
.slab-row:last-child { border-bottom:none; }
.slab-row span:last-child { color:var(--accent2); font-weight:600; }

/* ===== SALARY ROWS ===== */
.salary-breakdown { display:flex; flex-direction:column; gap:7px; margin-top:10px; }
.salary-row {
  display:flex; justify-content:space-between; align-items:center;
  padding:10px 14px; background:var(--card2); border-radius:8px; font-size:0.85rem;
  border:1px solid var(--border);
}
.salary-row .sr-label { color:var(--muted2); }
.salary-row .sr-value { font-weight:600; color:var(--text); }
.salary-row.deduction .sr-value { color:rgba(255,107,53,0.85); }
.salary-row.total { background:rgba(0,212,170,0.08); border:1px solid rgba(0,212,170,0.2); padding:14px; }
.salary-row.total .sr-label { color:var(--accent); font-weight:700; font-size:0.9rem; }
.salary-row.total .sr-value { color:var(--accent); font-size:1.1rem; font-family:'Syne',sans-serif; }

/* ===== FD COMPARE ===== */
.bank-table { width:100%; margin-top:8px; }
.bank-row {
  display:flex; justify-content:space-between; align-items:center;
  padding:9px 0; border-bottom:1px solid var(--border); font-size:0.82rem;
}
.bank-row:last-child { border-bottom:none; }
.bank-name { color:var(--text); }
.bank-rate { color:var(--accent); font-weight:600; }
.bank-maturity { color:var(--muted); font-size:0.78rem; }

/* ===== BREADCRUMB ===== */
.breadcrumb {
  position:relative; z-index:1;
  max-width:var(--max); margin:0 auto;
  padding:12px 20px; font-size:0.8rem; color:var(--muted);
}
.breadcrumb a { color:var(--accent); }
.breadcrumb a:hover { text-decoration:underline; }

/* ===== STATIC PAGES ===== */
.static-page { position:relative; z-index:1; max-width:780px; margin:0 auto; padding:40px 20px 80px; }
.static-page h1 { font-family:'Syne',sans-serif; font-size:2rem; font-weight:800; color:#fff; margin-bottom:8px; letter-spacing:-0.5px; }
.static-page .page-meta { color:var(--muted); font-size:0.82rem; margin-bottom:30px; }
.static-page h2 { font-family:'Syne',sans-serif; font-size:1.25rem; font-weight:700; color:#fff; margin:32px 0 12px; }
.static-page p { color:var(--muted2); font-size:0.9rem; line-height:1.8; margin-bottom:14px; }
.static-page ul { color:var(--muted2); font-size:0.9rem; line-height:1.8; padding-left:20px; margin-bottom:14px; }
.static-page li { margin-bottom:6px; }

/* ===== FOOTER ===== */
footer {
  position:relative; z-index:1;
  background:var(--card); border-top:1px solid var(--border); padding:50px 20px 30px;
}
.footer-inner {
  max-width:var(--max); margin:0 auto;
  display:grid; grid-template-columns:2fr 1fr 1fr; gap:40px; margin-bottom:40px;
}
.footer-logo { font-family:'Syne',sans-serif; font-weight:800; font-size:1.3rem; color:var(--accent); margin-bottom:12px; letter-spacing:-0.5px; }
.footer-logo span { color:var(--accent2); }
.footer-col > p { color:var(--muted); font-size:0.85rem; line-height:1.75; }
.footer-col h4 { font-family:'Syne',sans-serif; font-size:0.8rem; font-weight:700; color:var(--text); margin-bottom:14px; text-transform:uppercase; letter-spacing:0.5px; }
.footer-col ul { list-style:none; }
.footer-col ul li { margin-bottom:8px; }
.footer-col ul li a { color:var(--muted); font-size:0.85rem; transition:color 0.2s; }
.footer-col ul li a:hover { color:var(--accent); }
.footer-bottom {
  max-width:var(--max); margin:0 auto;
  border-top:1px solid var(--border); padding-top:24px;
  display:flex; flex-wrap:wrap; gap:8px; justify-content:space-between;
}
.footer-bottom p { color:var(--muted); font-size:0.76rem; line-height:1.8; }

/* ===== RESPONSIVE ===== */
@media (max-width:768px) {
  .calc-grid { grid-template-columns:1fr; }
  .footer-inner { grid-template-columns:1fr; gap:28px; }
  nav { display:none; }
  .hero h1 { font-size:2.1rem; }
  .stats-inner { padding:16px 20px; }
  .trust-strip-inner { justify-content:center; gap:20px; }
  .stats-divider { display:none; }
}
@media (max-width:480px) {
  .result-value { font-size:2.7rem; }
  .breakdown-item { padding:10px; }
  .hero { padding:48px 16px 32px; }
}

/* ===== AFFILIATE CTA BOX ===== */
.affiliate-cta-box {
  max-width:var(--max);
  margin:0 auto 24px;
  padding:0 24px;
}
.affiliate-cta-box > div:first-child {
  background:linear-gradient(135deg,#0d1a2e 0%,#122040 100%);
  border:1.5px solid #00d4aa44;
  border-radius:16px 16px 0 0;
  padding:24px 28px 16px;
  display:flex;
  align-items:flex-start;
  gap:16px;
}
.affiliate-cta-icon { font-size:2rem; line-height:1; flex-shrink:0; }
.affiliate-cta-title { font-family:'Syne',sans-serif; font-weight:700; font-size:1.05rem; color:#fff; margin-bottom:4px; }
.affiliate-cta-sub { color:var(--muted); font-size:0.85rem; line-height:1.6; }
.affiliate-btn-row {
  background:#0a1220;
  border:1.5px solid #00d4aa44;
  border-top:none;
  border-radius:0 0 16px 16px;
  padding:16px 28px 20px;
  display:flex;
  gap:12px;
  flex-wrap:wrap;
}
.affiliate-btn {
  display:inline-flex;
  align-items:center;
  padding:10px 20px;
  border-radius:8px;
  font-size:0.88rem;
  font-weight:600;
  text-decoration:none;
  transition:all 0.2s;
  font-family:'Syne',sans-serif;
}
.affiliate-btn.primary {
  background:var(--accent);
  color:#000;
}
.affiliate-btn.primary:hover { background:#00f0c0; }
.affiliate-btn.secondary {
  background:transparent;
  color:var(--accent);
  border:1.5px solid var(--accent);
}
.affiliate-btn.secondary:hover { background:var(--accent)18; }

/* ===== CONTENT SECTION ===== */
.content-section {
  max-width:var(--max);
  margin:0 auto 60px;
  padding:0 24px;
}
.content-section h2 {
  font-family:'Syne',sans-serif;
  font-size:1.35rem;
  font-weight:700;
  color:var(--text);
  margin:40px 0 16px;
  line-height:1.3;
}
.content-section p {
  color:#b0b8cc;
  line-height:1.8;
  margin-bottom:16px;
  font-size:0.95rem;
}
.content-section ul {
  color:#b0b8cc;
  font-size:0.95rem;
  line-height:1.8;
  padding-left:20px;
  margin-bottom:16px;
}
.content-section ul li { margin-bottom:8px; }
.content-section table {
  width:100%;
  border-collapse:collapse;
  margin-bottom:20px;
  font-size:0.88rem;
}
.content-section table th {
  background:#0d1420;
  color:var(--accent);
  padding:10px 14px;
  text-align:left;
  font-family:'Syne',sans-serif;
  font-size:0.78rem;
  text-transform:uppercase;
  letter-spacing:0.5px;
  border:1px solid var(--border);
}
.content-section table td {
  padding:10px 14px;
  color:#b0b8cc;
  border:1px solid var(--border);
  vertical-align:top;
}
.content-section table tr:nth-child(even) td { background:#0a1220; }
.formula-box {
  background:#0d1a2e;
  border:1.5px solid #00d4aa33;
  border-left:4px solid var(--accent);
  border-radius:8px;
  padding:16px 20px;
  margin:20px 0;
  font-family:monospace;
  font-size:0.95rem;
  color:var(--accent);
  line-height:1.8;
}
.info-box {
  background:rgba(0,212,170,0.06);
  border:1px solid rgba(0,212,170,0.2);
  border-radius:12px;
  padding:16px 20px;
  margin:20px 0;
}
.info-box p { margin:0 0 8px; font-size:0.9rem; color:var(--text); line-height:1.75; }
.info-box p:last-child { margin-bottom:0; color:var(--muted2); }

/* ===== FAQ ===== */
.faq-list { margin:16px 0 32px; }
.faq-item {
  border:1px solid var(--border);
  border-radius:10px;
  margin-bottom:10px;
  overflow:hidden;
}
.faq-q {
  padding:16px 20px;
  font-weight:600;
  color:var(--text);
  cursor:pointer;
  font-size:0.95rem;
  transition:background 0.2s;
}
.faq-q:hover { background:#0d1420; }
.faq-a {
  display:none;
  padding:0 20px 16px;
  color:#b0b8cc;
  font-size:0.88rem;
  line-height:1.8;
}

/* ===== RELATED CALCS ===== */
.related-calcs { margin:40px 0; }
.related-calcs h3 {
  font-family:'Syne',sans-serif;
  font-size:1rem;
  font-weight:700;
  color:var(--muted);
  text-transform:uppercase;
  letter-spacing:0.5px;
  margin-bottom:16px;
}
.related-grid {
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:12px;
}
.related-card {
  background:#0d1420;
  border:1.5px solid var(--border);
  border-radius:10px;
  padding:14px 16px;
  text-align:center;
  color:var(--text);
  text-decoration:none;
  font-size:0.88rem;
  font-weight:600;
  transition:all 0.2s;
  font-family:'Syne',sans-serif;
}
.related-card:hover { border-color:var(--accent); color:var(--accent); }

/* ===== AUTHOR BOX ===== */
.author-box {
  display:flex;
  gap:16px;
  align-items:flex-start;
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:22px;
  margin:40px 0;
}
.author-avatar { font-size:2.5rem; flex-shrink:0; }
.author-name { font-family:'Syne',sans-serif; font-weight:700; color:var(--text); margin-bottom:2px; }
.author-title { color:var(--accent); font-size:0.78rem; margin:2px 0 8px; font-weight:600; text-transform:uppercase; letter-spacing:0.5px; }
.author-bio { color:var(--muted2); font-size:0.84rem; line-height:1.7; }

/* BLOG TAG */
.blog-tag {
  display:inline-block;
  background:var(--accent)20;
  color:var(--accent);
  border:1px solid var(--accent)44;
  border-radius:20px;
  padding:3px 12px;
  font-size:0.78rem;
  font-weight:600;
  font-family:'Syne',sans-serif;
  text-transform:uppercase;
  letter-spacing:0.5px;
  margin-bottom:12px;
}

@media(max-width:768px){
  .related-grid { grid-template-columns:1fr; }
  .affiliate-cta-box > div:first-child { flex-direction:column; }
  .affiliate-btn-row { flex-direction:column; }
  .affiliate-btn { text-align:center; justify-content:center; }
}

/* ===== EMI PAGE SPECIFIC ===== */
.insight-panel { margin-top:20px; border-top:1px solid var(--border); padding-top:18px; display:flex; flex-direction:column; gap:10px; }
.insight-row { display:flex; align-items:flex-start; gap:10px; background:rgba(255,255,255,0.025); border:1px solid var(--border); border-radius:10px; padding:12px 14px; }
.insight-row.warn { border-color:rgba(255,107,53,0.3); background:rgba(255,107,53,0.05); }
.insight-row.good { border-color:rgba(0,212,170,0.3); background:rgba(0,212,170,0.05); }
.insight-row.tip  { border-color:rgba(79,158,255,0.3); background:rgba(79,158,255,0.05); }
.insight-icon { font-size:1.1rem; flex-shrink:0; margin-top:1px; }
.insight-text { font-size:0.82rem; color:var(--muted2); line-height:1.55; }
.insight-text strong { color:var(--text); }
.bar-chart-wrap { margin-top:20px; border-top:1px solid var(--border); padding-top:18px; }
.bar-chart-label { font-size:0.68rem; color:var(--muted); text-transform:uppercase; letter-spacing:1px; margin-bottom:10px; font-weight:600; }
.bar-track { height:10px; background:var(--card2); border-radius:6px; overflow:hidden; display:flex; }
.bar-principal { background:var(--accent); transition:width 0.4s ease; }
.bar-interest  { background:var(--accent2); transition:width 0.4s ease; }
.bar-labels { display:flex; justify-content:space-between; margin-top:8px; }
.bar-lbl { display:flex; align-items:center; gap:6px; font-size:0.75rem; color:var(--muted2); }
.bar-dot { width:8px; height:8px; border-radius:50%; flex-shrink:0; }
.prepay-card { background:linear-gradient(135deg,rgba(79,158,255,0.08),rgba(79,158,255,0.03)); border:1px solid rgba(79,158,255,0.22); border-radius:12px; padding:16px 18px; margin-top:16px; }
.prepay-card-title { font-family:'Syne',sans-serif; font-size:0.78rem; font-weight:700; color:var(--accent3); text-transform:uppercase; letter-spacing:0.6px; margin-bottom:8px; }
.prepay-scenarios { display:flex; flex-direction:column; gap:7px; }
.prepay-row { display:flex; justify-content:space-between; align-items:center; font-size:0.8rem; }
.prepay-row .pr-label { color:var(--muted2); }
.prepay-row .pr-save  { color:var(--accent); font-weight:700; font-family:'Syne',sans-serif; }
.salary-check { margin-top:20px; border-top:1px solid var(--border); padding-top:18px; }
.salary-check-label { font-size:0.68rem; color:var(--muted); text-transform:uppercase; letter-spacing:1px; font-weight:600; margin-bottom:10px; }
.salary-input-row { display:flex; gap:8px; align-items:center; }
.salary-input-row input { flex:1; background:var(--card2); border:1px solid var(--border); border-radius:8px; padding:9px 12px; color:#fff; font-family:'DM Sans',sans-serif; font-size:0.85rem; outline:none; transition:border-color 0.2s; }
.salary-input-row input:focus { border-color:var(--accent); }
.salary-input-row input::placeholder { color:var(--muted); }
.salary-check-btn { background:rgba(0,212,170,0.15); border:1px solid rgba(0,212,170,0.3); color:var(--accent); border-radius:8px; padding:9px 14px; font-size:0.82rem; font-weight:600; cursor:pointer; font-family:'DM Sans',sans-serif; white-space:nowrap; transition:all 0.2s; }
.salary-check-btn:hover { background:rgba(0,212,170,0.25); }
.salary-verdict { margin-top:10px; font-size:0.82rem; line-height:1.55; display:none; padding:10px 14px; border-radius:8px; }
.salary-verdict.safe    { background:rgba(0,212,170,0.07); border:1px solid rgba(0,212,170,0.2); color:var(--accent); }
.salary-verdict.caution { background:rgba(245,200,66,0.07); border:1px solid rgba(245,200,66,0.25); color:var(--gold); }
.salary-verdict.risky   { background:rgba(255,107,53,0.07); border:1px solid rgba(255,107,53,0.25); color:var(--accent2); }
.mono-cta { background:linear-gradient(135deg,#0d1a2e 0%,#101e35 100%); border:1.5px solid rgba(0,212,170,0.22); border-radius:14px; padding:20px 22px; margin-top:24px; display:flex; gap:14px; align-items:flex-start; }
.mono-cta-icon { font-size:1.6rem; flex-shrink:0; }
.mono-cta-body { flex:1; }
.mono-cta-title { font-family:'Syne',sans-serif; font-weight:700; font-size:0.95rem; color:#fff; margin-bottom:4px; }
.mono-cta-sub { font-size:0.8rem; color:var(--muted); line-height:1.5; margin-bottom:12px; }
.mono-cta-btns { display:flex; gap:8px; flex-wrap:wrap; }
.mono-btn-primary { background:var(--accent); color:#000; border:none; border-radius:7px; padding:8px 16px; font-size:0.82rem; font-weight:700; cursor:pointer; font-family:'DM Sans',sans-serif; text-decoration:none; display:inline-block; transition:all 0.2s; }
.mono-btn-primary:hover { background:#00f0c0; transform:translateY(-1px); }
.mono-btn-secondary { background:transparent; color:var(--accent); border:1px solid rgba(0,212,170,0.35); border-radius:7px; padding:8px 16px; font-size:0.82rem; font-weight:600; cursor:pointer; font-family:'DM Sans',sans-serif; text-decoration:none; display:inline-block; transition:all 0.2s; }
.mono-btn-secondary:hover { border-color:var(--accent); background:rgba(0,212,170,0.08); }
.related-strip { max-width:var(--max); margin:0 auto 40px; padding:0 20px; }
.related-strip-title { font-size:0.7rem; color:var(--muted); text-transform:uppercase; letter-spacing:1px; font-weight:600; margin-bottom:12px; }
.related-strip-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(200px,1fr)); gap:10px; }
.related-pill { background:var(--card); border:1px solid var(--border); border-radius:10px; padding:12px 16px; display:flex; align-items:center; gap:10px; text-decoration:none; transition:all 0.2s; }
.related-pill:hover { border-color:rgba(0,212,170,0.3); background:rgba(0,212,170,0.04); }
.related-pill-icon { font-size:1.1rem; flex-shrink:0; }
.related-pill-text { flex:1; }
.related-pill-text strong { display:block; font-size:0.82rem; color:var(--text); font-weight:600; line-height:1.2; }
.related-pill-text span { font-size:0.72rem; color:var(--muted); }
.related-pill-arrow { color:var(--muted); font-size:0.8rem; transition:all 0.2s; }
.related-pill:hover .related-pill-arrow { color:var(--accent); transform:translateX(3px); }
.sticky-calc-btn { display:none; position:fixed; bottom:16px; left:50%; transform:translateX(-50%); z-index:99; background:var(--accent); color:#000; border:none; border-radius:50px; padding:14px 32px; font-size:0.95rem; font-weight:700; font-family:'Syne',sans-serif; cursor:pointer; box-shadow:0 4px 24px rgba(0,212,170,0.4); transition:all 0.2s; white-space:nowrap; }
.sticky-calc-btn:hover { background:#00f0c0; }
@media(max-width:768px){ .sticky-calc-btn { display:block; } .mono-cta { flex-direction:column; } }
@media(max-width:600px){ .related-strip-grid { grid-template-columns:1fr 1fr; } }
@media(max-width:400px){ .related-strip-grid { grid-template-columns:1fr; } }

/* ===== HERO CTA ===== */
.hero-cta { display:flex; gap:12px; justify-content:center; flex-wrap:wrap; margin-top:28px; }
.hero-btn-primary {
  background:var(--accent); color:#000;
  padding:14px 32px; border-radius:50px;
  font-family:'Syne',sans-serif; font-weight:800; font-size:1rem;
  text-decoration:none; transition:all 0.25s; display:inline-block; white-space:nowrap;
}
.hero-btn-primary:hover { background:#00f0c0; transform:translateY(-2px); box-shadow:0 8px 28px rgba(0,212,170,0.35); }
.hero-btn-secondary {
  background:transparent; color:var(--muted2);
  padding:14px 28px; border-radius:50px;
  font-family:'Syne',sans-serif; font-weight:600; font-size:1rem;
  text-decoration:none; border:1px solid var(--border2); transition:all 0.25s; display:inline-block; white-space:nowrap;
}
.hero-btn-secondary:hover { border-color:var(--accent); color:var(--accent); }

/* ===== AMORTIZATION TABLE ===== */
.amort-section { max-width:var(--max); margin:0 auto 40px; padding:0 20px; position:relative; z-index:1; }
.amort-header { display:flex; justify-content:space-between; align-items:center; margin-bottom:16px; flex-wrap:wrap; gap:12px; }
.amort-title { font-family:'Syne',sans-serif; font-weight:700; font-size:1.05rem; color:#fff; }
.amort-sub { font-size:0.78rem; color:var(--muted); margin-top:3px; }
.amort-toggle-wrap { display:flex; gap:6px; }
.amort-toggle {
  background:var(--card2); border:1px solid var(--border);
  border-radius:7px; padding:7px 16px; font-size:0.8rem; font-weight:600;
  color:var(--muted); cursor:pointer; transition:all 0.2s; font-family:'DM Sans',sans-serif;
  -webkit-appearance:none; appearance:none;
}
.amort-toggle.active { background:rgba(0,212,170,0.15); border-color:var(--accent); color:var(--accent); }
.amort-table-wrap { overflow-x:auto; border-radius:12px; border:1px solid var(--border); }
.amort-table { width:100%; border-collapse:collapse; font-size:0.84rem; min-width:520px; }
.amort-table thead tr { background:var(--card2); }
.amort-table th {
  padding:12px 16px; text-align:left; color:var(--accent);
  font-size:0.71rem; text-transform:uppercase; letter-spacing:0.5px;
  font-weight:600; white-space:nowrap; border-bottom:1px solid var(--border);
}
.amort-table td { padding:10px 16px; border-top:1px solid var(--border); color:var(--muted2); }
.amort-table tbody tr:hover td { background:rgba(255,255,255,0.02); }
.amort-year { color:var(--text) !important; font-weight:600; }
.amort-principal { color:rgba(0,212,170,0.9) !important; }
.amort-interest { color:rgba(255,107,53,0.85) !important; }
.amort-closing-zero { color:var(--accent) !important; font-weight:700; }

/* ===== STEP-UP SIP ===== */
.stepup-row { display:flex; justify-content:space-between; align-items:center; margin-top:8px; }
.stepup-result { margin-top:12px; padding:12px 14px; background:rgba(0,212,170,0.05); border:1px solid rgba(0,212,170,0.2); border-radius:10px; font-size:0.82rem; color:var(--muted2); line-height:1.7; display:none; }
.stepup-result.show { display:block; }
.stepup-result strong { color:var(--accent); font-family:'Syne',sans-serif; font-size:1rem; }

/* ===== SKIP LINK (accessibility) ===== */
.skip-link {
  position:absolute; top:-100%; left:8px;
  background:var(--accent); color:#000;
  padding:8px 18px; border-radius:0 0 8px 8px;
  font-size:0.85rem; font-weight:700;
  z-index:9999; text-decoration:none;
  transition:top 0.1s;
}
.skip-link:focus { top:0; }

/* ===== FOCUS STYLES (keyboard navigation) ===== */
:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
  border-radius: 4px;
}
a:focus-visible, button:focus-visible { border-radius:6px; }
input[type="range"]:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 4px;
}

/* ===== BUTTON RESET for .opt-btn when used as <button> ===== */
button.opt-btn {
  -webkit-appearance: none;
  appearance: none;
  border-style: solid;
}
button.copy-btn, button.sticky-calc-btn, button.salary-check-btn, button.mono-btn-primary {
  -webkit-appearance: none;
  appearance: none;
}

/* ===== MOBILE RANGE SLIDER — larger touch target ===== */
@media(max-width:768px){
  input[type="range"] { height:6px; }
  input[type="range"]::-webkit-slider-thumb { width:24px; height:24px; }
  input[type="range"]::-moz-range-thumb { width:24px; height:24px; border-radius:50%; background:var(--accent); border:3px solid var(--bg); }
  .num-input-wrap input[type="number"] { font-size:1rem; padding:12px 12px 12px 32px; }
}

/* ===== TOAST NOTIFICATION ===== */
.ct-toast {
  position:fixed; bottom:24px; left:50%; transform:translateX(-50%) translateY(20px);
  background:var(--card); border:1px solid rgba(0,212,170,0.35);
  color:var(--accent); font-size:0.88rem; font-weight:600;
  padding:10px 22px; border-radius:50px;
  box-shadow:0 4px 20px rgba(0,0,0,0.4);
  z-index:9999; opacity:0; pointer-events:none;
  transition:opacity 0.2s, transform 0.2s;
  white-space:nowrap;
}
.ct-toast.show {
  opacity:1; transform:translateX(-50%) translateY(0);
}

/* ===== EMOJI ARIA HIDDEN utility ===== */
[aria-hidden="true"] { pointer-events:none; }

/* ===== BANK EMI COMPARISON WIDGET ===== */
.bank-compare-section {
  max-width: var(--max);
  margin: 0 auto 32px;
  padding: 0 20px;
  position: relative;
  z-index: 1;
}
.bank-compare-card {
  background: var(--card);
  border: 1.5px solid var(--border2);
  border-radius: var(--radius);
  padding: 28px 28px 20px;
}
.bank-compare-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}
.bank-compare-title {
  font-family: 'Syne', sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
}
.bank-compare-sub {
  font-size: 0.82rem;
  color: var(--muted);
  margin-top: 4px;
}
.bank-compare-badge {
  background: rgba(0,212,170,0.1);
  border: 1px solid rgba(0,212,170,0.25);
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 700;
  font-family: 'Syne', sans-serif;
  padding: 4px 12px;
  border-radius: 20px;
  white-space: nowrap;
  flex-shrink: 0;
}
.bank-compare-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.bank-compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
.bank-compare-table th {
  background: rgba(255,255,255,0.04);
  color: var(--muted);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 10px 14px;
  text-align: right;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}
.bank-compare-table th:first-child { text-align: left; }
.bank-compare-table td {
  padding: 12px 14px;
  text-align: right;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  font-variant-numeric: tabular-nums;
}
.bank-compare-table td:first-child { text-align: left; }
.bank-compare-table tr:last-child td { border-bottom: none; }
.bank-compare-table tr.bc-cheapest td {
  background: rgba(0,212,170,0.06);
}
.bank-compare-table tr.bc-cheapest td:first-child {
  border-left: 3px solid var(--accent);
  padding-left: 11px;
}
.bc-bank-name {
  font-weight: 600;
  color: var(--text);
  display: flex;
  align-items: center;
  gap: 8px;
}
.bc-best-badge {
  background: var(--accent);
  color: #07090f;
  font-size: 0.65rem;
  font-weight: 800;
  font-family: 'Syne', sans-serif;
  padding: 2px 7px;
  border-radius: 10px;
  letter-spacing: 0.3px;
  text-transform: uppercase;
}
.bc-rate { color: var(--muted2); font-size: 0.82rem; }
.bc-emi { font-weight: 700; color: var(--accent); font-size: 0.95rem; }
.bc-extra { color: var(--accent2); font-size: 0.8rem; }
.bank-compare-note {
  font-size: 0.75rem;
  color: var(--muted);
  margin-top: 12px;
  text-align: center;
}
@media(max-width:600px){
  .bank-compare-card { padding: 20px 16px 16px; }
  .bank-compare-table th, .bank-compare-table td { padding: 10px 10px; font-size: 0.82rem; }
}