*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root {
  /* Core backgrounds */
  --bg:       #0D0D14;
  --surface:  #111118;
  --surface2: #16161F;
  --card:     #13131C;
  --card2:    #1A1A26;

  /* Borders */
  --border:   rgba(255,255,255,0.06);
  --border2:  rgba(255,255,255,0.1);
  --border3:  rgba(255,255,255,0.15);

  /* Text */
  --text:     #F0EDE8;
  --text2:    #A8A8B8;
  --text3:    #666678;
  --text4:    #3A3A4A;

  /* Semantic colors */
  --danger:   #FF3B1F;   /* overpayment - alarm red */
  --danger-bg: rgba(255,59,31,0.08);
  --danger-border: rgba(255,59,31,0.25);

  --safe:     #00D68F;   /* fair rate - confidence green */
  --safe-bg:  rgba(0,214,143,0.08);
  --safe-border: rgba(0,214,143,0.25);

  --warn:     #FFB800;   /* warning - gold */
  --warn-bg:  rgba(255,184,0,0.08);
  --warn-border: rgba(255,184,0,0.25);

  --info:     #4D8FFF;   /* information blue */

  /* Gold accent - premium */
  --gold:     #FFB800;

  /* Radii */
  --r:  16px;
  --r-sm: 10px;
  --r-xs: 6px;

  /* Shadows */
  --sh: 0 2px 12px rgba(0,0,0,0.4), 0 1px 3px rgba(0,0,0,0.3);
  --sh-lg: 0 8px 40px rgba(0,0,0,0.5), 0 2px 8px rgba(0,0,0,0.3);
  --sh-glow-danger: 0 0 40px rgba(255,59,31,0.12);
  --sh-glow-safe: 0 0 40px rgba(0,214,143,0.1);
}

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;
}

/* Subtle noise texture overlay */
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;
}

/* ═══════════════════════════════════════
   TYPOGRAPHY
═══════════════════════════════════════ */
.font-display { font-family: 'Fraunces', serif; }
.font-mono    { font-family: 'JetBrains Mono', monospace; }

/* ═══════════════════════════════════════
   NAV
═══════════════════════════════════════ */
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;
  letter-spacing: 0.01em;
}
.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;
  letter-spacing: 0.01em;
}
.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); }
}

/* ═══════════════════════════════════════
   RBI ALERT BAR
═══════════════════════════════════════ */
.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: pulse-gold 2s ease-in-out infinite;
}
@keyframes pulse-gold {
  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);
  transition: border-color 0.15s;
}
.alert-bar a:hover { border-color: var(--gold); }

/* ═══════════════════════════════════════
   EMAIL CAPTURE BAR
═══════════════════════════════════════ */
.email-bar {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 12px 24px;
}
.email-bar-inner {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.email-bar-text strong {
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  letter-spacing: 0.01em;
}
.email-bar-text span {
  font-size: 11px;
  color: var(--text3);
  display: block;
  margin-top: 2px;
  font-family: 'JetBrains Mono', monospace;
  letter-spacing: 0.03em;
}
.email-bar-form { display: flex; gap: 8px; flex-shrink: 0; }
.email-bar-form input {
  padding: 9px 14px;
  background: var(--card);
  border: 1px solid var(--border2);
  border-radius: var(--r-xs);
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  color: var(--text);
  outline: none;
  width: 200px;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.email-bar-form input::placeholder { color: var(--text3); }
.email-bar-form input:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(255,184,0,0.1);
}
.email-bar-form button {
  padding: 9px 18px;
  background: var(--gold);
  color: #0D0D14;
  border: none;
  border-radius: var(--r-xs);
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  white-space: nowrap;
  transition: all 0.15s;
}
.email-bar-form button:hover {
  background: #FFC933;
  transform: translateY(-1px);
}
@media(max-width:520px) { .email-bar-form input { width: 150px; } }

/* ═══════════════════════════════════════
   HERO
═══════════════════════════════════════ */
.hero {
  position: relative;
  background: var(--bg);
  overflow: hidden;
  padding: 90px 24px 80px;
  text-align: center;
}

/* Atmospheric background */
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 15% 40%, rgba(255,59,31,0.07) 0%, transparent 60%),
    radial-gradient(ellipse 60% 50% at 85% 20%, rgba(255,184,0,0.06) 0%, transparent 55%),
    radial-gradient(ellipse 50% 40% at 50% 90%, rgba(77,143,255,0.04) 0%, transparent 50%);
  pointer-events: none;
}

/* Subtle grid */
.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: 800px; 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: 32px;
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text3);
}
.eyebrow-dot {
  width: 6px; height: 6px;
  background: var(--safe);
  border-radius: 50%;
  animation: pulse-safe 2.5s ease-in-out infinite;
}
@keyframes pulse-safe {
  0%,100%{opacity:1;} 50%{opacity:0.4;}
}

.hero h1 {
  font-family: 'Fraunces', serif;
  font-size: clamp(42px, 8vw, 80px);
  font-weight: 900;
  line-height: 1.0;
  letter-spacing: -0.03em;
  margin-bottom: 24px;
  color: var(--text);
}
.hero h1 em {
  font-style: italic;
  color: var(--danger);
  position: relative;
}

.hero-sub {
  font-size: 17px;
  color: var(--text3);
  max-width: 460px;
  margin: 0 auto 28px;
  line-height: 1.7;
  font-weight: 300;
}

.hero-privacy {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,214,143,0.06);
  border: 1px solid rgba(0,214,143,0.15);
  border-radius: 100px;
  padding: 7px 18px;
  margin-bottom: 36px;
  font-size: 12px;
  color: rgba(0,214,143,0.7);
  font-family: 'JetBrains Mono', monospace;
  letter-spacing: 0.03em;
}
.privacy-dot {
  width: 7px; height: 7px;
  background: var(--safe);
  border-radius: 50%;
  flex-shrink: 0;
}

.hero-stats {
  display: inline-flex;
  border: 1px solid var(--border2);
  border-radius: 14px;
  overflow: hidden;
  background: rgba(255,255,255,0.02);
}
.hero-stat {
  padding: 14px 28px;
  font-size: 11px;
  color: var(--text3);
  border-right: 1px solid var(--border);
  font-family: 'JetBrains Mono', monospace;
  letter-spacing: 0.03em;
}
.hero-stat:last-child { border-right: none; }
.hero-stat strong {
  display: block;
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 900;
  color: var(--text);
  letter-spacing: -0.02em;
  margin-bottom: 3px;
}
@media(max-width:500px) {
  .hero { padding: 60px 20px 54px; }
  .hero-stats { flex-direction: column; border-radius: 12px; }
  .hero-stat { border-right: none; border-bottom: 1px solid var(--border); padding: 12px 20px; }
  .hero-stat:last-child { border-bottom: none; }
}

/* ═══════════════════════════════════════
   MAIN CONTENT WRAPPER
═══════════════════════════════════════ */
.main {
  max-width: 860px;
  margin: 0 auto;
  padding: 40px 20px 100px;
}

/* ═══════════════════════════════════════
   HOW IT WORKS
═══════════════════════════════════════ */
.how-section { margin-bottom: 36px; }
.section-label {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text3);
  margin-bottom: 16px;
}
.how-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 12px;
}
@media(max-width:520px) { .how-grid { grid-template-columns: 1fr; } }

.how-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 20px 22px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  transition: border-color 0.2s, transform 0.2s;
}
.how-card:hover {
  border-color: var(--border2);
  transform: translateY(-2px);
}
.how-num {
  font-family: 'Fraunces', serif;
  font-size: 28px;
  font-weight: 900;
  color: var(--text4);
  line-height: 1;
  flex-shrink: 0;
  margin-top: 1px;
}
.how-card h4 {
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 4px;
  letter-spacing: 0.01em;
}
.how-card p { font-size: 12px; color: var(--text3); line-height: 1.55; }

/* ═══════════════════════════════════════
   LOAN TYPE SELECTOR
═══════════════════════════════════════ */
.loan-type-section { margin-bottom: 20px; }
.loan-type-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 10px;
}
@media(max-width:480px) { .loan-type-grid { grid-template-columns: 1fr 1fr; } }

.loan-type-btn {
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  padding: 16px 10px;
  cursor: pointer;
  transition: all 0.18s;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.loan-type-btn::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: radial-gradient(ellipse at 50% 100%, rgba(255,184,0,0.08) 0%, transparent 70%);
  opacity: 0;
  transition: opacity 0.2s;
}
.loan-type-btn:hover { border-color: var(--border2); transform: translateY(-2px); }
.loan-type-btn:hover::after { opacity: 1; }
.loan-type-btn.active {
  background: rgba(255,184,0,0.06);
  border-color: rgba(255,184,0,0.4);
  box-shadow: 0 0 20px rgba(255,184,0,0.08);
}
.loan-type-btn.active::after { opacity: 1; }

.ltb-icon { font-size: 24px; margin-bottom: 7px; line-height: 1; }
.ltb-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--text2);
  letter-spacing: 0.01em;
}
.loan-type-btn.active .ltb-label { color: var(--gold); }

/* ═══════════════════════════════════════
   MARKET NOTE
═══════════════════════════════════════ */
.market-note {
  background: rgba(255,184,0,0.04);
  border: 1px solid rgba(255,184,0,0.15);
  border-radius: var(--r-sm);
  padding: 13px 16px;
  font-size: 12px;
  color: var(--text2);
  margin-bottom: 20px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  line-height: 1.6;
  font-family: 'JetBrains Mono', monospace;
  letter-spacing: 0.02em;
}
.mni {
  flex-shrink: 0;
  color: var(--gold);
  font-weight: 700;
  margin-top: 1px;
}

/* ═══════════════════════════════════════
   FORM CARD
═══════════════════════════════════════ */
.form-card {
  background: var(--card);
  border-radius: var(--r);
  border: 1px solid var(--border);
  box-shadow: var(--sh);
  overflow: hidden;
  margin-bottom: 24px;
  position: relative;
}
.form-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--danger), var(--gold), var(--safe));
  opacity: 0.6;
}

.form-header {
  padding: 24px 28px 20px;
  border-bottom: 1px solid var(--border);
}
.form-header h2 {
  font-family: 'Fraunces', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 4px;
  letter-spacing: -0.02em;
}
.form-header p {
  font-size: 11px;
  color: var(--text3);
  font-family: 'JetBrains Mono', monospace;
  letter-spacing: 0.05em;
  display: flex;
  align-items: center;
  gap: 6px;
}
.form-header p::before {
  content: '●';
  color: var(--safe);
  font-size: 8px;
  animation: pulse-safe 2.5s ease-in-out infinite;
}

.form-body { padding: 24px 28px 28px; }
@media(max-width:520px) { .form-body { padding: 18px 18px 22px; } .form-header { padding: 20px 18px 16px; } }

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
@media(max-width:520px) { .form-grid { grid-template-columns: 1fr; gap: 13px; } }

.field { display: flex; flex-direction: column; gap: 6px; }
.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: 15px;
  font-weight: 400;
  color: var(--text);
  background: var(--surface2);
  transition: border-color 0.15s, box-shadow 0.15s, background 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 .hint {
  font-size: 10px;
  color: var(--text4);
  line-height: 1.4;
  font-family: 'JetBrains Mono', monospace;
  letter-spacing: 0.02em;
}
.field-opt label::after {
  content: ' (optional)';
  font-weight: 400;
  text-transform: none;
  letter-spacing: 0;
  font-size: 9px;
  color: var(--text4);
}

/* Rupee prefix for amount field */
.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;
}

/* ═══════════════════════════════════════
   CTA BUTTON
═══════════════════════════════════════ */
.btn-check {
  width: 100%;
  margin-top: 20px;
  padding: 17px 28px;
  background: var(--danger);
  color: #fff;
  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(255,59,31,0.35);
  position: relative;
  overflow: hidden;
}
.btn-check::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, transparent 0%, rgba(255,255,255,0.08) 50%, transparent 100%);
  transform: translateX(-100%);
  transition: transform 0.5s ease;
}
.btn-check:hover {
  background: #E8341A;
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(255,59,31,0.45);
}
.btn-check:hover::after { transform: translateX(100%); }
.btn-check:active { transform: translateY(0); }
.btn-arr { transition: transform 0.2s; font-style: normal; }
.btn-check:hover .btn-arr { transform: translateX(5px); }

/* ═══════════════════════════════════════
   RESULTS CONTAINER
═══════════════════════════════════════ */
.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 BANNER
═══════════════════════════════════════ */
.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.good {
  background: var(--safe-bg);
  border-color: var(--safe-border);
  box-shadow: var(--sh-glow-safe);
}
.verdict-banner.good::before { background: var(--safe); }
.verdict-banner.warn {
  background: var(--warn-bg);
  border-color: var(--warn-border);
}
.verdict-banner.warn::before { background: var(--warn); }
.verdict-banner.bad {
  background: var(--danger-bg);
  border-color: var(--danger-border);
  box-shadow: var(--sh-glow-danger);
}
.verdict-banner.bad::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;
}
.good .verdict-icon-wrap { background: rgba(0,214,143,0.1); border-color: rgba(0,214,143,0.2); }
.warn .verdict-icon-wrap { background: rgba(255,184,0,0.1); border-color: rgba(255,184,0,0.2); }
.bad  .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;
}
.good .verdict-content h2  { color: var(--safe); }
.warn .verdict-content h2  { color: var(--warn); }
.bad  .verdict-content h2  { color: var(--danger); }
.verdict-content p { font-size: 13px; line-height: 1.7; color: var(--text2); }

/* ═══════════════════════════════════════
   BIG SAVINGS NUMBER — THE HERO MOMENT
═══════════════════════════════════════ */
.big-savings {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 32px;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}
.big-savings::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(ellipse 60% 80% at 0% 50%, rgba(255,59,31,0.04) 0%, transparent 70%);
  pointer-events: none;
}
.bs-left { 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-amount {
  font-family: 'Fraunces', serif;
  font-size: clamp(36px, 6vw, 54px);
  font-weight: 900;
  color: var(--danger);
  line-height: 1;
  letter-spacing: -0.03em;
}
.bs-sub {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  color: var(--text3);
  margin-top: 8px;
  letter-spacing: 0.05em;
}
.bs-right { text-align: right; position: relative; z-index: 1; }
.bs-rate-label {
  font-family: 'JetBrains Mono', monospace;
  font-size: 9px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text3);
  margin-bottom: 8px;
}
.bs-rate {
  font-family: 'JetBrains Mono', monospace;
  font-size: 18px;
  font-weight: 600;
  color: var(--text);
}

/* ═══════════════════════════════════════
   LOAN HEALTH SCORE GAUGE
═══════════════════════════════════════ */
.health-score-section {
  margin-bottom: 16px;
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 16px;
  align-items: center;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 24px 28px;
}
@media(max-width:520px) {
  .health-score-section { grid-template-columns: 1fr; text-align: center; }
}

.gauge-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.gauge-svg { width: 160px; height: 90px; }
.gauge-score-num {
  font-family: 'Fraunces', serif;
  font-size: 38px;
  font-weight: 900;
  line-height: 1;
  letter-spacing: -0.03em;
}
.gauge-score-label {
  font-family: 'JetBrains Mono', monospace;
  font-size: 9px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text3);
}
.health-detail h3 {
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}
.health-detail p {
  font-size: 13px;
  color: var(--text2);
  line-height: 1.65;
}
.health-verdict-pill {
  display: inline-block;
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 100px;
  margin-bottom: 10px;
  font-weight: 600;
}
.health-verdict-pill.good { background: var(--safe-bg); color: var(--safe); border: 1px solid var(--safe-border); }
.health-verdict-pill.warn { background: var(--warn-bg); color: var(--warn); border: 1px solid var(--warn-border); }
.health-verdict-pill.bad  { background: var(--danger-bg); color: var(--danger); border: 1px solid var(--danger-border); }

/* ═══════════════════════════════════════
   THREE METRIC CARDS
═══════════════════════════════════════ */
.metric-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 12px;
  margin-bottom: 16px;
}
@media(max-width:520px) { .metric-grid { grid-template-columns: 1fr; gap: 8px; } }

.metric-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  padding: 18px 20px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.metric-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
}
.metric-card.yours::after  { background: var(--danger); }
.metric-card.market::after { background: var(--safe); }
.metric-card.waste::after  { background: var(--warn); }

.mc-label {
  font-family: 'JetBrains Mono', monospace;
  font-size: 9px;
  font-weight: 600;
  color: var(--text3);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 10px;
}
.mc-val {
  font-family: 'Fraunces', serif;
  font-size: 24px;
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -0.02em;
}
.metric-card.yours .mc-val  { color: var(--danger); }
.metric-card.market .mc-val { color: var(--safe); }
.metric-card.waste .mc-val  { color: var(--warn); }
.mc-sub {
  font-family: 'JetBrains Mono', monospace;
  font-size: 9px;
  color: var(--text3);
  margin-top: 5px;
  letter-spacing: 0.06em;
}

/* ═══════════════════════════════════════
   TANGIBLE SAVINGS
═══════════════════════════════════════ */
.tangible-box {
  background: var(--surface2);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  padding: 14px 18px;
  margin-bottom: 16px;
  display: flex;
  gap: 12px;
  align-items: center;
  flex-wrap: wrap;
}
.tangible-label {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  color: var(--text3);
  flex-shrink: 0;
  letter-spacing: 0.06em;
}
.tangible-pills { display: flex; gap: 8px; flex-wrap: wrap; }
.tangible-pill {
  background: var(--card);
  border: 1px solid var(--border2);
  border-radius: 100px;
  padding: 5px 13px;
  font-size: 12px;
  font-weight: 500;
  color: var(--text2);
}

/* ═══════════════════════════════════════
   COMPARISON 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);
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--surface2);
}
.breakdown-header h3 {
  font-family: 'Fraunces', serif;
  font-size: 15px;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.01em;
}
.breakdown-legend {
  display: flex;
  gap: 16px;
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  color: var(--text3);
  letter-spacing: 0.06em;
}
.ldot { display: inline-block; width: 7px; height: 7px; border-radius: 50%; margin-right: 5px; vertical-align: middle; }

.compare-header {
  display: grid;
  grid-template-columns: 1fr 110px 110px 78px;
  padding: 10px 24px;
  background: rgba(255,255,255,0.02);
  border-bottom: 1px solid var(--border);
  gap: 8px;
}
.compare-header span {
  font-family: 'JetBrains Mono', monospace;
  font-size: 9px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text3);
}
.compare-header span:not(:first-child) { text-align: right; }
.compare-header span:last-child { text-align: center; }

.compare-row {
  display: grid;
  grid-template-columns: 1fr 110px 110px 78px;
  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-market {
  font-family: 'JetBrains Mono', monospace;
  font-size: 13px;
  font-weight: 500;
  color: var(--safe);
  text-align: right;
}
.cr-diff {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  font-weight: 600;
  padding: 4px 8px;
  border-radius: 100px;
  text-align: center;
  letter-spacing: 0.02em;
}
.cr-diff.over { background: var(--danger-bg); color: var(--danger); border: 1px solid var(--danger-border); }
.cr-diff.fair { background: var(--safe-bg);   color: var(--safe);   border: 1px solid var(--safe-border); }

@media(max-width:500px) {
  .compare-header, .compare-row { grid-template-columns: 1fr 70px 70px 56px; padding: 10px 14px; }
  .cr-label, .cr-yours, .cr-market { font-size: 11px; }
  .breakdown-legend { display: none; }
}

/* ═══════════════════════════════════════
   AFFILIATE BOX
═══════════════════════════════════════ */
.affiliate-box {
  display: none;
  background: var(--safe-bg);
  border: 1px solid var(--safe-border);
  border-radius: var(--r);
  padding: 20px 24px;
  margin-bottom: 16px;
}
.affiliate-box.show { display: block; }
.affiliate-box-title {
  font-family: 'Fraunces', serif;
  font-size: 15px;
  font-weight: 700;
  color: var(--safe);
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}
.affiliate-links { display: flex; gap: 10px; flex-wrap: wrap; }
.affiliate-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--card);
  border: 1px solid var(--safe-border);
  border-radius: var(--r-sm);
  padding: 10px 18px;
  font-size: 13px;
  font-weight: 600;
  color: var(--safe);
  text-decoration: none;
  transition: all 0.15s;
}
.affiliate-link:hover {
  background: var(--safe-bg);
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0,214,143,0.15);
}
.affiliate-note {
  font-family: 'JetBrains Mono', monospace;
  font-size: 10px;
  color: var(--text3);
  margin-top: 10px;
  letter-spacing: 0.05em;
}

/* ═══════════════════════════════════════
   TIPS BOX
═══════════════════════════════════════ */
.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); }
.btn-pdf {
  background: var(--danger);
  border: 1px solid var(--danger);
  border-radius: var(--r-sm);
  padding: 11px 18px;
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: #fff;
  cursor: pointer;
  transition: all 0.15s;
  display: flex;
  align-items: center;
  gap: 6px;
}
.btn-pdf:hover { background: #E8341A; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(255,59,31,0.3); }

/* ═══════════════════════════════════════
   TRUST SECTION
═══════════════════════════════════════ */
.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;
  letter-spacing: 0.01em;
}
.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); transition: color 0.15s, border-color 0.15s; }
.last-updated a:hover { color: var(--gold); border-color: rgba(255,184,0,0.4); }

/* ═══════════════════════════════════════
   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;
}

/* ═══════════════════════════════════════
   AD SLOTS
═══════════════════════════════════════ */


/* 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}