*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#0D0D14;--surface:#111118;--surface2:#16161F;--card:#13131C;--card2:#1A1A26;
  --border:rgba(255,255,255,0.06);--border2:rgba(255,255,255,0.1);--border3:rgba(255,255,255,0.15);
  --text:#F0EDE8;--text2:#A8A8B8;--text3:#666678;--text4:#3A3A4A;
  --danger:#FF3B1F;--danger-bg:rgba(255,59,31,0.08);--danger-border:rgba(255,59,31,0.25);
  --safe:#00D68F;--safe-bg:rgba(0,214,143,0.08);--safe-border:rgba(0,214,143,0.25);
  --warn:#FFB800;--warn-bg:rgba(255,184,0,0.08);--warn-border:rgba(255,184,0,0.25);
  --gold:#FFB800;--r:16px;--r-sm:10px;--r-xs:6px;
  --sh:0 2px 12px rgba(0,0,0,0.4);--sh-lg:0 8px 40px rgba(0,0,0,0.5);
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--bg);color:var(--text);min-height:100vh;-webkit-font-smoothing:antialiased;overflow-x:hidden}
body::after{content:'';position:fixed;inset:0;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.75' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.025'/%3E%3C/svg%3E");pointer-events:none;z-index:1000;opacity:0.5}
nav{background:rgba(13,13,20,0.92);backdrop-filter:blur(20px);border-bottom:1px solid var(--border);padding:0 28px;height:62px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:500}
.nav-logo{font-family:'Fraunces',serif;font-size:19px;font-weight:400;color:var(--text);text-decoration:none;letter-spacing:-0.03em;flex-shrink:0;display:flex;align-items:baseline;gap:0}
.nav-logo-dot{width:6px;height:6px;background:var(--gold);border-radius:50%;display:inline-block;margin-left:2px;margin-bottom:1px;flex-shrink:0}
.nav-logo-in{font-family:'DM Sans',sans-serif;font-size:11px;color:var(--text3);letter-spacing:0.04em;margin-left:3px}
.nav-logo-icon{display:none}
.nav-links{display:flex;align-items:center;gap:2px}
.nav-links a{color:var(--text3);text-decoration:none;font-size:13px;font-weight:500;padding:6px 12px;border-radius:100px;transition:all 0.15s;white-space:nowrap}
.nav-links a:hover{color:var(--text);background:rgba(255,255,255,0.06)}
.nav-dropdown{position:relative;display:flex;align-items:center}
.nav-drop-btn{background:none;border:none;color:var(--text3);font-family:'DM Sans',sans-serif;font-size:13px;font-weight:500;padding:6px 12px;border-radius:100px;cursor:pointer;transition:all 0.15s;display:flex;align-items:center;gap:5px}
.nav-drop-btn:hover,.nav-drop-btn.open{color:var(--text);background:rgba(255,255,255,0.06)}
.nav-drop-menu{display:none;position:absolute;top:calc(100% + 10px);left:0;background:var(--card2);border:1px solid var(--border2);border-radius:14px;padding:6px;min-width:200px;z-index:600;box-shadow:0 20px 60px rgba(0,0,0,0.6)}
.nav-drop-menu.open{display:block;animation:dropIn 0.15s cubic-bezier(0.16,1,0.3,1)}
@keyframes dropIn{from{opacity:0;transform:translateY(-8px) scale(0.97)}to{opacity:1;transform:translateY(0) scale(1)}}
.nav-drop-menu a{display:flex;align-items:center;gap:10px;color:var(--text2);text-decoration:none;font-size:13px;padding:9px 12px;border-radius:9px;transition:all 0.12s}
.nav-drop-menu a:hover{color:var(--text);background:rgba(255,255,255,0.06)}
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;border:none;background:none;border-radius:8px}
.nav-hamburger span{display:block;width:20px;height:1.5px;background:var(--text2);border-radius:2px}
@media(max-width:600px){
  .nav-links{display:none;position:absolute;top:62px;left:0;right:0;background:var(--surface);flex-direction:column;align-items:stretch;padding:12px 16px 16px;gap:2px;border-bottom:1px solid var(--border);z-index:499}
  .nav-links.open{display:flex}
  .nav-links a,.nav-drop-btn{padding:11px 14px;border-radius:10px;font-size:14px}
  .nav-hamburger{display:flex}
  .nav-drop-menu{position:static;box-shadow:none;margin-top:4px;background:rgba(255,255,255,0.03);border:1px solid var(--border)}
}
.alert-bar{background:rgba(255,184,0,0.06);border-bottom:1px solid rgba(255,184,0,0.15);padding:10px 24px;display:flex;align-items:center;justify-content:center;gap:10px;font-size:12px;font-family:'JetBrains Mono',monospace;color:var(--text2);letter-spacing:0.02em}
.alert-dot{width:7px;height:7px;background:var(--gold);border-radius:50%;flex-shrink:0;animation:pg 2s ease-in-out infinite}
@keyframes pg{0%,100%{box-shadow:0 0 0 0 rgba(255,184,0,0.4)}50%{box-shadow:0 0 0 5px rgba(255,184,0,0)}}
.alert-bar a{color:var(--gold);text-decoration:none;font-weight:500;border-bottom:1px solid rgba(255,184,0,0.3)}
.alert-bar a:hover{border-color:var(--gold)}
/* HERO */
.hero{position:relative;background:var(--bg);overflow:hidden;padding:80px 24px 70px;text-align:center}
.hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse 70% 60% at 20% 40%,rgba(0,214,143,0.06) 0%,transparent 60%),radial-gradient(ellipse 60% 50% at 80% 20%,rgba(255,184,0,0.05) 0%,transparent 55%);pointer-events:none}
.hero-grid{position:absolute;inset:0;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:48px 48px;pointer-events:none;mask-image:radial-gradient(ellipse 80% 80% at 50% 50%,black 40%,transparent 100%)}
.hero-inner{position:relative;z-index:2;max-width:680px;margin:0 auto}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,0.04);border:1px solid var(--border2);border-radius:100px;padding:6px 16px;margin-bottom:28px;font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:0.12em;text-transform:uppercase;color:var(--text3)}
.eyebrow-dot{width:6px;height:6px;background:var(--safe);border-radius:50%;animation:ps 2.5s ease-in-out infinite}
@keyframes ps{0%,100%{opacity:1}50%{opacity:0.4}}
.hero h1{font-family:'Fraunces',serif;font-size:clamp(36px,7vw,60px);font-weight:900;line-height:1.02;letter-spacing:-0.03em;margin-bottom:20px;color:var(--text)}
.hero h1 em{font-style:italic;color:var(--safe)}
.hero-sub{font-size:16px;color:var(--text3);max-width:440px;margin:0 auto 32px;line-height:1.7;font-weight:300}
/* MAIN */
.main{max-width:860px;margin:0 auto;padding:40px 20px 100px}
.section-label{font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:0.15em;text-transform:uppercase;color:var(--text3);margin-bottom:16px}
/* TWO COLUMN LOAN INPUTS */
.two-col-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:24px}
@media(max-width:640px){.two-col-grid{grid-template-columns:1fr}}
.loan-col{background:var(--card);border:1px solid var(--border);border-radius:var(--r);padding:22px 24px;position:relative;overflow:hidden}
.loan-col::before{content:'';position:absolute;top:0;left:0;right:0;height:2px}
.loan-col.current::before{background:var(--danger)}
.loan-col.new-loan::before{background:var(--safe)}
.loan-col-header{display:flex;align-items:center;gap:10px;margin-bottom:20px;padding-bottom:14px;border-bottom:1px solid var(--border)}
.col-badge{font-family:'JetBrains Mono',monospace;font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;padding:4px 10px;border-radius:100px}
.current .col-badge{background:var(--danger-bg);color:var(--danger);border:1px solid var(--danger-border)}
.new-loan .col-badge{background:var(--safe-bg);color:var(--safe);border:1px solid var(--safe-border)}
.col-title{font-family:'Fraunces',serif;font-size:16px;font-weight:700;color:var(--text)}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.field:last-child{margin-bottom:0}
.field label{font-family:'JetBrains Mono',monospace;font-size:9px;font-weight:600;color:var(--text3);letter-spacing:0.12em;text-transform:uppercase}
.field input,.field select{padding:12px 15px;border:1.5px solid var(--border2);border-radius:var(--r-sm);font-family:'JetBrains Mono',monospace;font-size:14px;color:var(--text);background:var(--surface2);transition:border-color 0.15s,box-shadow 0.15s;outline:none;width:100%;appearance:none;-webkit-appearance:none}
.field input:focus,.field select:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(255,184,0,0.1);background:var(--card2)}
.field input::placeholder{color:var(--text4);font-size:13px}
.field-opt label::after{content:' (optional)';font-weight:400;text-transform:none;letter-spacing:0;font-size:9px;color:var(--text4)}
.field-prefix{position:relative}
.field-prefix input{padding-left:32px}
.field-prefix::after{content:'₹';position:absolute;left:13px;top:50%;transform:translateY(-50%);font-family:'JetBrains Mono',monospace;font-size:14px;color:var(--text3);pointer-events:none}
.tenure-row{display:grid;grid-template-columns:1fr auto;gap:10px}
.btn-primary{width:100%;margin-top:4px;padding:17px 28px;background:var(--safe);color:#0D0D14;font-family:'Fraunces',serif;font-size:17px;font-weight:700;font-style:italic;border:none;border-radius:var(--r-sm);cursor:pointer;transition:all 0.2s;display:flex;align-items:center;justify-content:center;gap:10px;letter-spacing:-0.01em;box-shadow:0 4px 20px rgba(0,214,143,0.3);position:relative;overflow:hidden}
.btn-primary::after{content:'';position:absolute;inset:0;background:linear-gradient(to right,transparent 0%,rgba(255,255,255,0.1) 50%,transparent 100%);transform:translateX(-100%);transition:transform 0.5s ease}
.btn-primary:hover{transform:translateY(-2px);filter:brightness(1.05)}
.btn-primary:hover::after{transform:translateX(100%)}
.btn-arr{transition:transform 0.2s;font-style:normal}
.btn-primary:hover .btn-arr{transform:translateX(5px)}
/* RESULTS */
.results{display:none}
.results.show{display:block;animation:fadeUp 0.5s cubic-bezier(0.16,1,0.3,1)}
@keyframes fadeUp{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:translateY(0)}}
/* VERDICT */
.verdict-banner{border-radius:var(--r);padding:24px 28px;margin-bottom:16px;display:flex;align-items:flex-start;gap:18px;border:1px solid;position:relative;overflow:hidden}
.verdict-banner::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;opacity:0.6}
.verdict-banner.go{background:var(--safe-bg);border-color:var(--safe-border)}
.verdict-banner.go::before{background:var(--safe)}
.verdict-banner.maybe{background:var(--warn-bg);border-color:var(--warn-border)}
.verdict-banner.maybe::before{background:var(--warn)}
.verdict-banner.no{background:var(--danger-bg);border-color:var(--danger-border)}
.verdict-banner.no::before{background:var(--danger)}
.verdict-icon-wrap{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:24px;flex-shrink:0;border:1px solid}
.go .verdict-icon-wrap{background:rgba(0,214,143,0.1);border-color:rgba(0,214,143,0.2)}
.maybe .verdict-icon-wrap{background:rgba(255,184,0,0.1);border-color:rgba(255,184,0,0.2)}
.no .verdict-icon-wrap{background:rgba(255,59,31,0.1);border-color:rgba(255,59,31,0.2)}
.verdict-content h2{font-family:'Fraunces',serif;font-size:22px;font-weight:700;margin-bottom:6px;line-height:1.15;letter-spacing:-0.02em}
.go .verdict-content h2{color:var(--safe)}
.maybe .verdict-content h2{color:var(--warn)}
.no .verdict-content h2{color:var(--danger)}
.verdict-content p{font-size:13px;line-height:1.7;color:var(--text2)}
/* BIG SAVINGS */
.big-savings{background:var(--card);border:1px solid var(--border);border-radius:var(--r);padding:28px 32px;margin-bottom:16px;display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:20px;position:relative;overflow:hidden}
.big-savings::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 50% 80% at 0% 50%,rgba(0,214,143,0.04) 0%,transparent 70%);pointer-events:none}
@media(max-width:520px){.big-savings{grid-template-columns:1fr 1fr}}
.bs-item{position:relative;z-index:1}
.bs-label{font-family:'JetBrains Mono',monospace;font-size:9px;letter-spacing:0.15em;text-transform:uppercase;color:var(--text3);margin-bottom:10px}
.bs-val{font-family:'Fraunces',serif;font-size:26px;font-weight:900;color:var(--safe);line-height:1;letter-spacing:-0.02em}
.bs-val.danger{color:var(--danger)}
.bs-val.warn{color:var(--warn)}
.bs-val.text{color:var(--text);font-size:20px}
/* TWO COLUMN TABLE */
.breakdown-card{background:var(--card);border:1px solid var(--border);border-radius:var(--r);overflow:hidden;margin-bottom:16px}
.breakdown-header{padding:16px 24px;border-bottom:1px solid var(--border);background:var(--surface2);display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px}
.bh-label{font-family:'Fraunces',serif;font-size:15px;font-weight:700;color:var(--text)}
.bh-col{font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:0.1em;text-transform:uppercase;color:var(--text3);text-align:right}
.compare-row{display:grid;grid-template-columns:1fr 1fr 1fr;align-items:center;padding:13px 24px;border-bottom:1px solid var(--border);gap:8px;transition:background 0.12s}
.compare-row:last-child{border-bottom:none}
.compare-row:hover{background:rgba(255,255,255,0.02)}
.cr-label{font-size:13px;color:var(--text2)}
.cr-yours{font-family:'JetBrains Mono',monospace;font-size:13px;font-weight:500;color:var(--danger);text-align:right}
.cr-new{font-family:'JetBrains Mono',monospace;font-size:13px;font-weight:500;color:var(--safe);text-align:right}
/* TIPS */
.tip-box{background:rgba(255,184,0,0.04);border:1px solid rgba(255,184,0,0.15);border-radius:var(--r);padding:20px 24px;margin-bottom:16px}
.tip-box h4{font-family:'Fraunces',serif;font-size:15px;font-weight:700;color:var(--warn);margin-bottom:12px;letter-spacing:-0.01em}
.tip-box ul{padding-left:18px}
.tip-box li{font-size:13px;color:var(--text2);line-height:1.75;margin-bottom:5px}
/* ACTION ROW */
.action-row{display:flex;gap:10px;flex-wrap:wrap}
.btn-reset{background:none;border:1px solid var(--border2);border-radius:var(--r-sm);padding:11px 18px;font-family:'DM Sans',sans-serif;font-size:13px;font-weight:500;color:var(--text2);cursor:pointer;transition:all 0.15s}
.btn-reset:hover{border-color:var(--border3);color:var(--text);background:rgba(255,255,255,0.04)}
.btn-share{background:var(--surface2);border:1px solid var(--border2);border-radius:var(--r-sm);padding:11px 18px;font-family:'DM Sans',sans-serif;font-size:13px;font-weight:500;color:var(--text);cursor:pointer;transition:all 0.15s;display:flex;align-items:center;gap:6px}
.btn-share:hover{background:rgba(255,255,255,0.08);transform:translateY(-1px)}
/* TRUST */
.trust-section{margin-top:48px;padding-top:36px;border-top:1px solid var(--border)}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
@media(max-width:520px){.trust-grid{grid-template-columns:1fr}}
.trust-card{background:var(--card);border:1px solid var(--border);border-radius:var(--r-sm);padding:20px;text-align:center;transition:border-color 0.2s,transform 0.2s}
.trust-card:hover{border-color:var(--border2);transform:translateY(-2px)}
.trust-icon{font-size:26px;margin-bottom:10px}
.trust-card h4{font-size:13px;font-weight:600;color:var(--text);margin-bottom:5px}
.trust-card p{font-size:12px;color:var(--text3);line-height:1.55}
.last-updated{text-align:center;font-family:'JetBrains Mono',monospace;font-size:10px;color:var(--text4);margin-top:24px;padding-top:16px;border-top:1px solid var(--border);letter-spacing:0.06em}
.last-updated a{color:var(--text3);text-decoration:none;border-bottom:1px solid var(--border2)}
.last-updated a:hover{color:var(--gold)}
/* FOOTER */
footer{background:var(--surface);border-top:1px solid var(--border);color:var(--text3);padding:48px 24px;text-align:center;font-size:12px;line-height:2}
footer strong{color:var(--text2);font-weight:600}
footer a{color:var(--text3);text-decoration:none;transition:color 0.15s}
footer a:hover{color:var(--gold)}
.footer-logo{font-family:'Fraunces',serif;font-size:24px;font-weight:400;color:var(--text);letter-spacing:-0.03em;margin-bottom:6px;display:flex;align-items:baseline;justify-content:center;gap:0}
.footer-logo-dot{width:8px;height:8px;background:var(--gold);border-radius:50%;display:inline-block;margin-left:3px;margin-bottom:2px;flex-shrink:0}
.footer-logo-in{font-family:'DM Sans',sans-serif;font-size:13px;color:var(--text3);letter-spacing:0.04em;margin-left:4px}
.footer-tagline{font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--text3);letter-spacing:0.05em;margin-bottom:28px;display:block}
.footer-links{display:flex;justify-content:center;gap:8px 20px;margin-bottom:24px;flex-wrap:wrap}
.footer-divider{height:1px;background:var(--border);margin:24px auto;max-width:400px}
.footer-legal{font-family:'JetBrains Mono',monospace;font-size:10px;color:var(--text4);letter-spacing:0.05em;line-height:1.8}
/* TOOLTIPS */
.tt-wrap{position:relative;display:inline-flex;align-items:center;gap:4px;overflow:visible}
.tt-icon{width:13px;height:13px;border-radius:50%;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.2);display:inline-flex;align-items:center;justify-content:center;font-size:9px;color:var(--text3);cursor:pointer;flex-shrink:0}
.tt-icon:hover{background:rgba(255,184,0,0.15);border-color:rgba(255,184,0,0.4);color:var(--gold)}
.tt-box{display:none;position:fixed;background:#1A1A26;border:1px solid rgba(255,255,255,0.15);border-radius:10px;padding:12px 16px;width:230px;font-size:12px;color:#F0EDE8;line-height:1.65;z-index:9999;box-shadow:0 8px 32px rgba(0,0,0,0.7);pointer-events:none}
.tt-wrap:hover .tt-box{display:block}