:root{
  --bg:#f7faf9; --surface:#ffffff; --ink:#10201d; --muted:#5b6b68; --line:#e2ebe8;
  --brand:#0f766e; --brand-2:#14b8a6; --accent:#f59e0b; --soft:#e7f5f2;
  --radius:16px; --shadow:0 10px 30px rgba(16,32,29,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65;font-size:17px}
a{color:var(--brand)}
img{max-width:100%}
.wrap{max-width:1260px;margin:0 auto;padding:0 18px}

/* Two-column layout: main + sidebar */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:26px;align-items:start}
.main-col{min-width:0}
.sidebar{position:sticky;top:80px;margin-top:-78px;max-height:calc(100vh - 96px);overflow:auto;border-radius:var(--radius);box-shadow:var(--shadow)}
@media(max-width:1024px){.layout{grid-template-columns:1fr}.sidebar{position:static;margin-top:26px;max-height:none}}
.side-box{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.side-head{background:var(--brand);color:#fff;padding:14px 18px}
.side-head h2{margin:0;font-size:1.15rem}
.side-search{padding:12px 14px 4px}
.side-search input{width:100%;border:1.5px solid var(--line);border-radius:10px;padding:8px 12px;font-size:.92rem;color:var(--ink);background:#fff}
.side-search input:focus{outline:0;border-color:var(--brand)}
.side-group{padding:10px 14px 4px}
.side-group h3{margin:0 0 6px;font-size:.76rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted)}
.calc-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:2px 10px}
.calc-list li a,.calc-list li span{display:block;padding:5px 6px;border-radius:8px;font-size:.92rem;line-height:1.3}
.calc-list li a{color:var(--brand);text-decoration:underline;text-underline-offset:3px}
.calc-list li a:hover{background:var(--soft)}
.calc-list li a[aria-current=page]{background:var(--soft);font-weight:700;text-decoration:none}
.calc-list li span{color:#9aa8a5;cursor:default}
.calc-list li span small{font-size:.66rem;background:#eef3f2;color:var(--muted);border-radius:4px;padding:1px 4px;margin-left:3px;vertical-align:1px}
.side-foot{background:#f3f7f6;border-top:1px solid var(--line);padding:10px 14px;text-align:center;font-size:.9rem;margin-top:10px}
.side-foot a{color:var(--brand);margin:0 4px}
.side-foot i{color:#c3cfcc;font-style:normal}
.side-empty{display:none;padding:6px 14px;color:var(--muted);font-size:.9rem}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:10}

/* Header */
header.site{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-weight:800;font-size:1.25rem;text-decoration:none;color:var(--ink)}
.logo span{color:var(--brand)}
nav a{margin-left:20px;text-decoration:none;color:var(--muted);font-weight:500;font-size:.95rem}
nav a:hover{color:var(--brand)}
@media(max-width:640px){nav a:not(:first-child){display:none}}

/* Hero */
.hero{background:linear-gradient(135deg,#0f766e 0%,#115e59 55%,#134e4a 100%);color:#fff;padding:56px 0 110px}
.hero h1{font-size:clamp(1.9rem,4.5vw,2.9rem);line-height:1.15;margin:0 0 14px;max-width:760px}
.hero p{font-size:1.1rem;opacity:.92;max-width:680px;margin:0 0 22px}
.badges{display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:0;list-style:none}
.badges li{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);padding:6px 14px;border-radius:999px;font-size:.9rem}

/* Calculator */
.calc{margin-top:-78px;background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);display:grid;grid-template-columns:1.1fr .9fr;overflow:hidden}
@media(max-width:860px){.calc{grid-template-columns:1fr}}
.inputs{padding:28px}
.results{padding:28px;background:var(--soft);border-left:1px solid var(--line)}
@media(max-width:860px){.results{border-left:0;border-top:1px solid var(--line)}}
.field{margin-bottom:24px}
.field-top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:8px}
.field label{font-weight:600}
.numbox{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:10px;background:#fff;overflow:hidden}
.numbox:focus-within{border-color:var(--brand)}
.numbox span{padding:0 10px;color:var(--muted);font-size:.9rem;background:#f3f7f6;align-self:stretch;display:flex;align-items:center}
.numbox input{border:0;outline:0;width:150px;padding:9px 10px;font-size:1rem;font-weight:600;text-align:right;color:var(--ink)}
.numbox select{border:0;outline:0;background:#f3f7f6;padding:0 8px;font-size:.9rem;align-self:stretch;color:var(--ink)}
input[type=range]{width:100%;accent-color:var(--brand);height:6px;cursor:pointer}
.range-scale{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted)}
.row2{display:flex;gap:12px;flex-wrap:wrap}
.row2 .field{flex:1;min-width:180px}
.cur-select,.month-input{border:1.5px solid var(--line);border-radius:10px;padding:9px 10px;font-size:1rem;width:100%;background:#fff;color:var(--ink)}
.emi-big{text-align:center;margin-bottom:18px}
.emi-big small{display:block;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.06em;font-size:.78rem}
.emi-big strong{font-size:clamp(2rem,5vw,2.6rem);color:var(--brand);display:block;line-height:1.2}
.chart-box{display:flex;justify-content:center;margin:6px 0 16px}
.legend{display:flex;justify-content:center;gap:18px;font-size:.88rem;color:var(--muted);margin-bottom:16px}
.legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.sum{background:#fff;border-radius:12px;padding:6px 16px}
.sum div{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px dashed var(--line);font-size:.97rem}
.sum div:last-child{border-bottom:0;font-weight:700}
.btns{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}
.btn{flex:1;border:0;border-radius:10px;padding:11px 14px;font-weight:600;cursor:pointer;font-size:.95rem}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:#0d6660}
.btn-ghost{background:#fff;color:var(--brand);border:1.5px solid var(--brand)}

/* Schedule */
.schedule{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);margin-top:26px;padding:24px}
.schedule-head{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;margin-bottom:14px}
.schedule h2{margin:0;font-size:1.3rem}
.tabs button{border:1.5px solid var(--line);background:#fff;padding:7px 14px;border-radius:999px;cursor:pointer;font-weight:600;color:var(--muted)}
.tabs button[aria-pressed=true]{background:var(--brand);border-color:var(--brand);color:#fff}
.table-wrap{overflow:auto;max-height:460px;border:1px solid var(--line);border-radius:10px}
table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:620px}
th,td{padding:10px 12px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:#f3f7f6;font-weight:700;z-index:1}
tbody tr:hover{background:#fafdfc}
.bar{height:6px;background:var(--line);border-radius:4px;overflow:hidden;min-width:70px}
.bar b{display:block;height:100%;background:var(--brand-2)}

/* Features */
section.block{padding:64px 0 10px}
.section-title{text-align:center;max-width:700px;margin:0 auto 34px}
.section-title h2{font-size:clamp(1.6rem,3.4vw,2.1rem);margin:0 0 8px}
.section-title p{color:var(--muted);margin:0}
.features{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.feature{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.feature .ico{width:44px;height:44px;border-radius:12px;background:var(--soft);display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.feature h3{margin:0 0 6px;font-size:1.08rem}
.feature p{margin:0;color:var(--muted);font-size:.95rem}

/* Article */
article.guide{background:var(--surface);border-radius:var(--radius);border:1px solid var(--line);padding:clamp(22px,4vw,48px);margin-top:20px}
article.guide h2{font-size:1.65rem;margin:38px 0 12px;line-height:1.3}
article.guide h2:first-of-type{margin-top:0}
article.guide h3{font-size:1.2rem;margin:26px 0 8px}
article.guide p,article.guide li{color:#24332f}
.toc{background:var(--soft);border-radius:12px;padding:18px 22px;margin:0 0 28px}
.toc strong{display:block;margin-bottom:6px}
.toc ol{margin:0;padding-left:20px}
.toc a{text-decoration:none}
.formula{background:#0f2a26;color:#e6fffa;padding:16px 20px;border-radius:12px;font-family:ui-monospace,Consolas,monospace;font-size:1.05rem;overflow-x:auto}
.note{border-left:4px solid var(--accent);background:#fffbeb;padding:12px 16px;border-radius:0 10px 10px 0;margin:18px 0}
.cmp{width:100%;min-width:0;margin:14px 0}
.cmp th,.cmp td{text-align:left;white-space:normal}
.byline{color:var(--muted);font-size:.9rem;margin-bottom:22px}

/* FAQ */
details{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:12px}
summary{font-weight:700;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:10px}
summary::after{content:"+";color:var(--brand);font-size:1.3rem;line-height:1}
details[open] summary::after{content:"–"}
details p{margin:10px 0 0;color:#24332f}

footer.site{margin-top:64px;background:#0f2a26;color:#c9dcd8;padding:34px 0;font-size:.92rem}
footer.site a{color:#7ee0d2;text-decoration:none;margin-right:16px}
footer.site p{margin:10px 0 0}

/* Currency-first lock */
.cur-select.need{border-color:var(--accent);box-shadow:0 0 0 4px rgba(245,158,11,.18);animation:pulse 1.6s ease-in-out infinite}
@keyframes pulse{50%{box-shadow:0 0 0 7px rgba(245,158,11,.08)}}
@media(prefers-reduced-motion:reduce){.cur-select.need{animation:none}}
.lock{opacity:.4;pointer-events:none;filter:grayscale(.4);transition:opacity .2s}
.pick-note{background:#fffbeb;border:1px solid #fde68a;color:#92400e;border-radius:10px;padding:10px 14px;font-size:.92rem;font-weight:600;margin-bottom:18px}

/* Rating */
.rate-box{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-align:center;margin-top:26px}
.rate-box h2{margin:0 0 6px;font-size:1.35rem}
.rate-box p{margin:0;color:var(--muted)}
.stars{display:inline-flex;flex-direction:row-reverse;gap:4px;margin:14px 0 8px}
.stars button{background:none;border:0;font-size:2.1rem;line-height:1;color:#d6dfdc;cursor:pointer;padding:2px;transition:transform .1s}
.stars button:hover,.stars button:hover~button,.stars button.on,.stars button.on~button{color:var(--accent)}
.stars button:hover{transform:scale(1.12)}
.stars button:focus-visible{outline:2px solid var(--brand);border-radius:6px}
.rate-msg{font-weight:600;color:var(--brand);min-height:1.4em}
.rate-summary{font-size:.95rem;color:var(--muted);margin-top:4px}
.hero-rating{margin-top:14px;font-size:.95rem;opacity:.95}
.hero-rating b{color:#fcd34d}

@media print{header.site,.hero,.features,footer.site,.btns{display:none}.calc{margin:0;box-shadow:none}}

/* Sub-page additions */
.crumb{font-size:.9rem;opacity:.85;margin-bottom:10px}
.crumb a{color:#fff;margin-left:0}
.f-head{font-size:.8rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);margin:6px 0 12px;padding-top:8px;border-top:1px dashed var(--line)}
.f-select{border:1.5px solid var(--line);border-radius:10px;padding:8px 10px;font-size:.98rem;background:#fff;color:var(--ink);max-width:230px}
.f-help{font-size:.82rem;color:var(--muted);margin:6px 0 0}
.pair{display:flex;gap:8px}
.pair .numbox input{width:110px}
.numbox input[type=number]{-moz-appearance:textfield}
.numbox input::-webkit-outer-spin-button,.numbox input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.result-note{font-size:.9rem;color:var(--muted);margin:12px 2px 0}
.result-note.warn{color:#b45309;font-weight:600}
.mini-btn{border:1.5px solid var(--brand);background:#fff;color:var(--brand);border-radius:10px;padding:8px 14px;font-weight:600;cursor:pointer}
@media(max-width:520px){.field-top{flex-wrap:wrap}.numbox input{width:120px}}

/* Brand logo */
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-mark{width:42px;height:42px;flex:none;filter:drop-shadow(0 4px 8px rgba(15,118,110,.28));transition:transform .2s}
.logo:hover .logo-mark{transform:rotate(-6deg) scale(1.05)}
.logo-text{display:flex;flex-direction:column;line-height:1.1}
.logo-name{font-weight:800;font-size:1.32rem;letter-spacing:-.02em;color:var(--ink)}
.logo-name b{color:var(--brand)}
.logo-name i{font-style:normal;background:linear-gradient(135deg,#f59e0b,#f97316);color:#fff;border-radius:7px;padding:1px 7px;margin-left:1px}
.logo-tag{font-size:.7rem;color:var(--muted);font-weight:600;letter-spacing:.03em;margin-top:3px}
@media(max-width:420px){.logo-tag{display:none}.logo-mark{width:36px;height:36px}}
/* Hero illustration */
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:32px;align-items:center}
.hero-art img{width:100%;height:auto;display:block;animation:floaty 6s ease-in-out infinite}
@keyframes floaty{50%{transform:translateY(-8px)}}
@media(prefers-reduced-motion:reduce){.hero-art img{animation:none}}
@media(max-width:860px){.hero-grid{grid-template-columns:1fr}.hero-art{display:none}}

/* Info pages (About, Contact, legal) */
.hero.hero-sm{padding:44px 0 108px}
article.page-card{margin-top:-78px;box-shadow:var(--shadow)}
.hero-sm .hero-grid{grid-template-columns:minmax(0,1fr) 230px}
.hero-sm .hero-art img{max-width:230px;margin-left:auto}
.page-card .updated{display:inline-block;background:var(--soft);color:var(--brand);font-weight:600;font-size:.88rem;border-radius:999px;padding:4px 12px;margin:0 0 6px}
.page-card h2{font-size:1.4rem !important;margin:32px 0 10px !important;padding-top:4px}
.page-card h2:first-child{margin-top:0 !important}
.value-grid,.contact-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin:22px 0}
.value,.c-card{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:18px}
.value h3,.c-card h3{margin:8px 0 4px;font-size:1.05rem}
.value p,.c-card p{margin:0;font-size:.93rem;color:var(--muted)}
.c-card p a{word-break:break-all;font-weight:600}
.v-ico{width:42px;height:42px;border-radius:12px;background:var(--soft);display:flex;align-items:center;justify-content:center;font-size:1.25rem}
.cta-box{margin-top:30px;background:linear-gradient(135deg,#0f766e,#134e4a);color:#fff;border-radius:16px;padding:26px;text-align:center}
.cta-box h3{margin:0 0 6px;font-size:1.3rem;color:#fff}
.cta-box p{color:#ccfbf1 !important;margin:0 0 16px}
.cta-box .btn{display:inline-block;flex:none;background:#f59e0b;text-decoration:none;padding:12px 22px}
.cta-box .btn:hover{background:#d97706}
.contact-form{display:grid;gap:14px;background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:22px;margin:16px 0 8px}
.contact-form label{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:.95rem}
.contact-form input,.contact-form select,.contact-form textarea{font:inherit;font-weight:400;border:1.5px solid var(--line);border-radius:10px;padding:10px 12px;background:#fff;color:var(--ink);resize:vertical}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{outline:0;border-color:var(--brand);box-shadow:0 0 0 3px rgba(15,118,110,.12)}
.cf-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:600px){.cf-row{grid-template-columns:1fr}}
.cf-send{justify-self:start;flex:none;padding:12px 26px}
.cf-error{color:#b91c1c;font-weight:600;margin:0;min-height:1em;font-size:.92rem}
footer.site a[aria-current=page]{color:#fff;text-decoration:underline}

/* Header nav + mobile menu */
h2[id],section[id]{scroll-margin-top:84px}
header.site nav a[aria-current=page]{color:var(--brand);font-weight:700}
.nav-toggle{display:none;background:none;border:1.5px solid var(--line);border-radius:10px;width:42px;height:40px;padding:9px 10px;cursor:pointer;flex-direction:column;justify-content:space-between}
.nav-toggle span{display:block;height:2.5px;background:var(--ink);border-radius:2px;transition:transform .2s,opacity .2s}
@media(max-width:760px){
  header.site .wrap{position:relative}
  .nav-toggle{display:flex}
  header.site nav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(16,32,29,.1);padding:8px 18px 14px;flex-direction:column;z-index:20}
  header.site nav a{display:block !important;margin:0;padding:12px 4px;border-bottom:1px solid var(--line);font-size:1rem}
  header.site nav a:last-child{border-bottom:0}
  body.nav-open header.site nav{display:flex}
  body.nav-open .nav-toggle span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
  body.nav-open .nav-toggle span:nth-child(2){opacity:0}
  body.nav-open .nav-toggle span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}
}
/* Features / guide / directory */
.feat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:20px 0}
.feat{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:18px;transition:transform .15s,box-shadow .15s}
.feat:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.feat h3{margin:10px 0 4px;font-size:1.05rem}
.feat p{margin:0;color:var(--muted);font-size:.93rem}
ol.steps{counter-reset:st;list-style:none;padding:0}
ol.steps li{counter-increment:st;position:relative;padding:8px 0 8px 48px;margin-bottom:6px}
ol.steps li::before{content:counter(st);position:absolute;left:0;top:6px;width:32px;height:32px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}
.btn-outline{display:inline-block;background:transparent;border:1.5px solid rgba(255,255,255,.7);color:#fff;text-decoration:none;padding:11px 20px;border-radius:10px;font-weight:600;margin-left:8px}
.btn-outline:hover{background:rgba(255,255,255,.12)}
@media(max-width:520px){.btn-outline{margin:10px 0 0}}
dl.glossary{display:grid;grid-template-columns:200px 1fr;gap:0;border:1px solid var(--line);border-radius:12px;overflow:hidden}
dl.glossary dt,dl.glossary dd{margin:0;padding:11px 14px;border-bottom:1px solid var(--line)}
dl.glossary dt{font-weight:700;background:var(--soft)}
@media(max-width:600px){dl.glossary{grid-template-columns:1fr}dl.glossary dd{border-bottom:2px solid var(--line)}}
ul.checklist{list-style:none;padding:0}
ul.checklist li{padding:6px 0 6px 30px;position:relative}
ul.checklist li::before{content:"✓";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:6px;background:var(--soft);color:var(--brand);font-weight:800;font-size:.8rem;display:flex;align-items:center;justify-content:center}
.page-card code{background:var(--soft);padding:2px 6px;border-radius:6px;font-size:.92em}
.calc-search input{width:100%;border:1.5px solid var(--line);border-radius:12px;padding:12px 16px;font-size:1rem;margin:6px 0 4px;background:#fff;color:var(--ink)}
.calc-search input:focus{outline:0;border-color:var(--brand)}
.cat-sub{color:var(--muted);margin:-4px 0 12px}
.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:12px}
.cat-card{display:flex;align-items:center;gap:12px;background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:14px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s,border-color .15s}
.cat-card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:var(--brand-2)}
.cat-card.featured{background:linear-gradient(135deg,#e7f5f2,#fff);border-color:var(--brand-2)}
.cat-ico{width:44px;height:44px;flex:none;border-radius:12px;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;font-size:1.3rem}
.cat-body{display:flex;flex-direction:column;min-width:0}
.cat-body strong{font-size:1rem}
.cat-body span{font-size:.85rem;color:var(--muted);line-height:1.4}
.cat-go{margin-left:auto;color:var(--brand);font-weight:800;font-size:1.1rem}