*,*::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;--safe:#00D68F;--warn:#FFB800;--info:#4D8FFF;--gold:#FFB800;
  --r:16px;--r-sm:10px;
}
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);-webkit-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-links a.active{color:var(--text)}
.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;font-weight:500;padding:9px 12px;border-radius:9px;transition:all 0.12s;white-space:nowrap}
.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;transition:background 0.15s}
.nav-hamburger:hover{background:rgba(255,255,255,0.06)}
.nav-hamburger span{display:block;width:20px;height:1.5px;background:var(--text2);border-radius:2px;transition:all 0.2s}
@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%{opacity:1;box-shadow:0 0 0 0 rgba(255,184,0,0.4)}50%{opacity:0.8;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)}
.hero{padding:64px 24px 48px;text-align:center;position:relative}
.hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse 70% 50% at 50% 0%,rgba(255,184,0,0.05) 0%,transparent 60%);pointer-events:none}
.hero-inner{position:relative;z-index:2;max-width:640px;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:20px;font-family:'JetBrains Mono',monospace;font-size:10px;font-weight:500;letter-spacing:0.12em;text-transform:uppercase;color:var(--text3)}
.hero h1{font-family:'Fraunces',serif;font-size:clamp(32px,5vw,52px);font-weight:900;line-height:1.05;letter-spacing:-0.03em;margin-bottom:14px;color:var(--text)}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero-sub{font-size:15px;color:var(--text3);max-width:440px;margin:0 auto;line-height:1.7;font-weight:300}
.main{max-width:960px;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:18px;padding-bottom:10px;border-bottom:1px solid var(--border)}
.guide-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:14px;margin-bottom:48px}
.guide-card{background:var(--card);border:1px solid var(--border);border-radius:var(--r);padding:22px 24px;text-decoration:none;display:flex;flex-direction:column;gap:8px;transition:all 0.18s;position:relative;overflow:hidden}
.guide-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;opacity:0;transition:opacity 0.18s}
.guide-card:hover{border-color:var(--border2);transform:translateY(-2px);box-shadow:0 8px 32px rgba(0,0,0,0.3)}
.guide-card:hover::before{opacity:1}
.guide-card.cat-personal::before{background:var(--danger)}
.guide-card.cat-home::before{background:var(--safe)}
.guide-card.cat-cibil::before{background:var(--info)}
.guide-card.cat-rbi::before{background:var(--warn)}
.guide-card.cat-decision::before{background:var(--text3)}
.guide-tag{font-family:'JetBrains Mono',monospace;font-size:9px;font-weight:600;letter-spacing:0.1em;text-transform:uppercase;padding:3px 8px;border-radius:4px;display:inline-block;width:fit-content}
.tag-personal{background:rgba(255,59,31,0.12);color:var(--danger)}
.tag-home{background:rgba(0,214,143,0.12);color:var(--safe)}
.tag-cibil{background:rgba(77,143,255,0.12);color:var(--info)}
.tag-rbi{background:rgba(255,184,0,0.12);color:var(--warn)}
.tag-decision{background:rgba(255,255,255,0.06);color:var(--text3)}
.guide-card h3{font-family:'Fraunces',serif;font-size:16px;font-weight:700;color:var(--text);line-height:1.25;letter-spacing:-0.01em}
.guide-card p{font-size:13px;color:var(--text3);line-height:1.6;flex:1}
.guide-card .read-link{font-family:'JetBrains Mono',monospace;font-size:10px;color:var(--text3);letter-spacing:0.06em;margin-top:4px;transition:color 0.15s}
.guide-card:hover .read-link{color:var(--gold)}
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 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}