*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
html { scroll-behavior:smooth; }
body {
  font-family:'DM Sans',sans-serif;
  background:var(--bg); color:var(--text);
  min-height:100vh;
  -webkit-font-smoothing:antialiased;
  transition:background .3s, color .3s;
}
:root {
  --ink:       #130f1e;
  --ink-2:     #4a4460;
  --ink-3:     #8a84a0;
  --paper:     #f7f5fb;
  --surface:   #ffffff;
  --s2:        #f0edf8;
  --s3:        #e4dff0;
  --purple:    #6d28d9;
  --purple-2:  #7c3aed;
  --purple-lt: #ede9fe;
  --purple-md: #d8d0f8;
  --green:     #1a6b4a;
  --green-lt:  #e6f2ec;
  --gold:      #b8720a;
  --gold-lt:   #fdf3e3;
  --rose:      #a0363a;
  --rose-lt:   #fdeaeb;
  --orange:    #c2410c;
  --orange-lt: #fff1eb;
  --border:    rgba(19,15,30,0.09);
  --shadow:    0 4px 20px rgba(19,15,30,0.07);
  --shadow-lg: 0 12px 48px rgba(19,15,30,0.11);
  --r:         14px;
  --r-sm:      8px;
  --pad:       clamp(1.25rem,5vw,2.5rem);
  --max:       1200px;
}

/* Mobile drawer */
.drawer {
  display:none; position:fixed;
  top:var(--nav-h); left:0; right:0; bottom:0;
  z-index:190;
}
.drawer.open { display:block; }
.drawer-overlay {
  position:absolute; inset:0; background:rgba(0,0,0,.45);
}
.drawer-panel {
  position:absolute; top:0; right:0;
  width:min(260px, 80vw); height:100%;
  background:var(--surface);
  border-left:1px solid var(--border);
  padding:1.25rem 1rem;
  box-shadow:var(--shadow-lg);
  display:flex; flex-direction:column; gap:.25rem;
  overflow-y:auto;
}
.drawer-panel a {
  display:block; text-decoration:none; color:var(--muted);
  font-size:.9rem; font-weight:500;
  padding:.55rem .85rem; border-radius:8px;
  transition:all .2s;
}
.drawer-panel a:hover  { background:var(--surface2); color:var(--text); }
.drawer-panel a.active { background:var(--accent-lt); color:var(--accent); }
.drawer-divider { border:none; border-top:1px solid var(--border); margin:.5rem 0; }

/* ═══════════ PAGE SHELL ═══════════ */
.page {
  max-width:1340px; margin:0 auto;
  padding:0 var(--pad) 4rem;
}

/* ═══════════ HERO ═══════════ */
.hero {
  text-align:center;
  padding:clamp(2rem,5vw,3.5rem) 0 clamp(1.5rem,3vw,2.5rem);
  animation:fadeUp .5s ease both;
}
.hero-badge {
  display:inline-flex; align-items:center; gap:6px;
  font-size:.72rem; font-weight:600; letter-spacing:1.5px;
  text-transform:uppercase; color:var(--accent);
  background:var(--accent-lt);
  padding:5px 14px; border-radius:100px; margin-bottom:1rem;
}
.hero h1 {
  font-family:'DM Serif Display',serif;
  font-size:clamp(1.75rem, 5vw, 3.4rem);
  line-height:1.1; letter-spacing:-1px; margin-bottom:.65rem;
}
.hero h1 em { color:var(--accent); font-style:italic; }
.hero p { color:var(--muted); font-size:.95rem; max-width:440px; margin:0 auto; }

/* ═══════════ METRICS ROW ═══════════ */
.metrics-row {
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:clamp(.6rem,2vw,1rem);
  margin-bottom:clamp(1rem,2.5vw,1.5rem);
  animation:fadeUp .5s .15s ease both;
}
.metric {
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r-sm);
  padding:clamp(.75rem,2vw,1.1rem) clamp(.85rem,2vw,1.25rem);
  box-shadow:var(--shadow);
  position:relative; overflow:hidden;
  transition:transform .2s, background .3s;
}
.metric::before {
  content:''; position:absolute; top:0; left:0; right:0;
  height:3px; border-radius:3px 3px 0 0;
}
.metric.total::before    { background:linear-gradient(90deg,var(--accent),#059669); }
.metric.invested::before { background:linear-gradient(90deg,var(--blue),#3b82f6); }
.metric.profit::before   { background:linear-gradient(90deg,var(--gold),#ef4444); }
.metric:hover { transform:translateY(-2px); }
.metric-lbl {
  font-size:.68rem; font-weight:600; letter-spacing:1px;
  text-transform:uppercase; color:var(--muted); margin-bottom:5px;
}
.metric-val {
  font-family:'DM Serif Display',serif;
  font-size:clamp(1.2rem,3vw,1.6rem);
  line-height:1; margin-bottom:3px;
}
.metric-sub { font-size:.68rem; color:var(--muted); }
.metric.total .metric-val  { color:var(--accent); }
.metric.profit .metric-val { color:var(--gold); }

/* ═══════════ 3-COL GRID ═══════════ */
.main-grid {
  display:grid;
  grid-template-columns:320px 1fr 200px;
  grid-template-areas:"inputs charts sidebar";
  gap:clamp(1rem,2vw,1.5rem);
  align-items:start;
}
.inputs-col { grid-area:inputs; }
.charts-col { grid-area:charts; display:flex; flex-direction:column; gap:1.1rem; }
.sidebar-col { grid-area:sidebar; }

/* ═══════════ CARD ═══════════ */
.card {
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r);
  padding:clamp(1rem,3vw,1.5rem);
  box-shadow:var(--shadow);
  transition:background .3s, border-color .3s;
}
.card + .card { margin-top:clamp(.75rem,2vw,1.25rem); }
.card-title {
  font-size:.72rem; font-weight:600; letter-spacing:1px;
  text-transform:uppercase; color:var(--muted);
  margin-bottom:1.1rem;
}

/* ═══════════ SLIDERS & INPUTS ═══════════ */
.field { margin-bottom:1.25rem; }
.field:last-child { margin-bottom:0; }
.field-hdr {
  display:flex; justify-content:space-between; align-items:center;
  margin-bottom:.5rem;
}
.field-lbl  { font-size:.85rem; color:var(--muted); }

input.field-val  {
  font-size:.92rem; font-weight:600; color:var(--text);
  background:var(--surface2); padding:4px 10px; border-radius:6px;
  width:110px; text-align:right; border:1px solid transparent;
  font-family:inherit; outline:none; transition:border-color .2s, background .2s;
}
input.field-val:focus {
  background: var(--surface);
  border-color: var(--accent);
}
input.field-val::-webkit-outer-spin-button,
input.field-val::-webkit-inner-spin-button {
  -webkit-appearance: none; margin: 0;
}
input.field-val[type=number] {
  -moz-appearance: textfield;
}

.range-wrap { position:relative; }
.range-fill {
  position:absolute; top:50%; transform:translateY(-50%);
  height:5px; border-radius:100px;
  background:linear-gradient(90deg,var(--accent),#059669);
  pointer-events:none; transition:width .08s;
}
input[type=range] {
  -webkit-appearance:none; appearance:none;
  width:100%; height:5px;
  background:var(--surface2); border-radius:100px;
  outline:none; cursor:pointer; display:block;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance:none;
  width:22px; height:22px; border-radius:50%;
  background:var(--accent);
  box-shadow:0 0 0 4px var(--accent-lt);
  cursor:pointer; transition:transform .18s;
}
input[type=range]:hover::-webkit-slider-thumb { transform:scale(1.15); }
input[type=range]::-moz-range-thumb {
  width:22px; height:22px; border-radius:50%;
  border:none; background:var(--accent); cursor:pointer;
}
.range-hints { display:flex; justify-content:space-between; margin-top:4px; }
.range-hint  { font-size:.66rem; color:var(--muted); }

/* ═══════════ DONUT ═══════════ */
.donut-wrap { display:block; align-items:center; gap:1.25rem; }
.donut-canvas-wrap { position:relative; flex-shrink:0; }
.donut-canvas-wrap canvas { display:block; }
.donut-legend { flex:1; min-width:0; display:flex; flex-direction:column; gap:8px; }
.leg-row { display:flex; align-items:center; gap:8px; }
.leg-dot  { width:9px; height:9px; border-radius:2px; flex-shrink:0; }
.leg-lbl  { font-size:.78rem; color:var(--muted); flex:1; }
.leg-val  { font-size:.82rem; font-weight:600; color:var(--text); }
.mult-box {
  margin-top:8px; padding-top:10px;
  border-top:1px solid var(--border);
}
.mult-lbl { font-size:.68rem; color:var(--muted); margin-bottom:2px; }
.mult-val { font-size:1.15rem; font-weight:600; color:var(--text); }

/* ═══════════ CHART TABS ═══════════ */
.chart-hdr {
  display:flex; justify-content:space-between;
  align-items:center; margin-bottom:.85rem;
  flex-wrap:wrap; gap:.5rem;
}
.tab-row { display:flex; gap:5px; }
.tab-btn {
  background:var(--surface2); border:none; border-radius:7px;
  padding:4px 14px; font-size:.78rem; font-weight:500;
  color:var(--muted); cursor:pointer; font-family:inherit;
  transition:all .2s;
}
.tab-btn.active { background:var(--accent); color:#fff; }
.chart-box { position:relative; width:100%; }
.chart-legend {
  display:flex; gap:14px; margin-bottom:.6rem; flex-wrap:wrap;
}
.chart-legend span {
  display:flex; align-items:center; gap:5px;
  font-size:.72rem; color:var(--muted);
}
.chart-legend .dot { width:9px; height:9px; border-radius:2px; flex-shrink:0; }

/* ═══════════ TABLE ═══════════ */
.tbl-scroll {
  max-height:260px; overflow-y:auto;
  border-radius:8px; border:1px solid var(--border);
}
.tbl-scroll::-webkit-scrollbar { width:4px; }
.tbl-scroll::-webkit-scrollbar-thumb { background:var(--border); border-radius:4px; }
table { width:100%; border-collapse:collapse; font-size:.78rem; }
thead th {
  padding:9px 12px; text-align:right;
  font-size:.65rem; font-weight:600; letter-spacing:.5px;
  text-transform:uppercase; color:var(--muted);
  background:var(--surface2);
  position:sticky; top:0; z-index:1;
  border-bottom:1px solid var(--border);
}
thead th:first-child { text-align:left; }
tbody tr { border-bottom:1px solid var(--border); transition:background .12s; }
tbody tr:last-child { border-bottom:none; }
tbody tr:hover { background:var(--surface2); }
tbody td { padding:8px 12px; text-align:right; color:var(--text); }
tbody td:first-child { text-align:left; font-weight:500; }
td.green { color:var(--accent); font-weight:600; }
td.gold { color:var(--gold); font-weight:600; }

/* ═══════════ TIPS ═══════════ */
.tips-grid {
  display:grid; grid-template-columns:repeat(2,1fr); gap:.75rem;
}
.tip {
  background:var(--surface); border:1px solid var(--border);
  border-radius:var(--r-sm); padding:.9rem 1rem;
  cursor:pointer; transition:all .2s;
}
.tip:hover { transform:translateY(-2px); box-shadow:var(--shadow-lg); border-color:var(--accent); }
.tip-icon  { font-size:1.2rem; margin-bottom:4px; }
.tip-title { font-size:.78rem; font-weight:600; color:var(--text); margin-bottom:2px; }
.tip-desc  { font-size:.7rem; color:var(--muted); line-height:1.4; }

/* ═══════════ SIDEBAR ═══════════ */
.sb-title { font-size:.68rem; font-weight:600; text-transform:uppercase; letter-spacing:1px; color:var(--muted); margin-bottom:.6rem; }
.sb-links { display:flex; flex-direction:column; gap:3px; }
.sb-links a {
  display:flex; align-items:center; gap:7px;
  text-decoration:none; color:var(--muted);
  font-size:.8rem; padding:7px 9px; border-radius:8px;
  border:1px solid transparent; transition:all .18s;
}
.sb-links a i { font-size:13px; flex-shrink:0; }
.sb-links a:hover  { background:var(--surface2); color:var(--text); border-color:var(--border); }
.sb-links a.active { background:var(--accent-lt); color:var(--accent); font-weight:600; }
.quick-facts { display:flex; flex-direction:column; gap:10px; font-size:.78rem; }
.qf { padding-top:10px; border-top:1px solid var(--border); }
.qf:first-child { padding-top:0; border-top:none; }
.qf-lbl { color:var(--muted); margin-bottom:2px; font-size:.7rem; }
.qf-val { font-weight:600; color:var(--text); }
.qf-val.accent { color:var(--accent); }

/* ═══════════ SEO CONTENT AREA ═══════════ */
/* ═══ SHARED ═══ */
.sec{padding:clamp(3rem,7vw,5rem) var(--pad);border-radius: 35px;}
.sec-inner{max-width:var(--max);margin:0 auto;}
.label{
  display:inline-flex;align-items:center;gap:6px;
  font-size:.68rem;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;
  color:var(--purple);background:var(--purple-lt);
  padding:4px 12px;border-radius:100px;margin-bottom:1rem;
}
.sec-title{
  font-family:'Playfair Display',serif;
  font-size:clamp(1.7rem,3.5vw,2.6rem);font-weight:700;
  line-height:1.15;letter-spacing:-.3px;color:var(--ink);margin-bottom:.75rem;
}
.sec-sub{font-size:.95rem;color:var(--ink-2);line-height:1.8;max-width:580px;}
.sec-hdr{margin-bottom:clamp(2rem,4vw,3rem);}
.sec-hdr.center{text-align:center;}
.sec-hdr.center .sec-sub{margin:0 auto;}

/* ═══ ANIMATION ═══ */
@keyframes fadeUp{from{opacity:0;transform:translateY(18px);}to{opacity:1;transform:translateY(0);}}
.fu{opacity:0;}
.fu.on{animation:fadeUp .6s ease both;}

/* ════════════════════════════════════
   1. HOW IT WORKS — 3 steps
════════════════════════════════════ */
.steps-sec{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;position:relative;}
.steps-grid::before{
  content:'';position:absolute;top:32px;
  left:calc(16.66% + 16px);right:calc(16.66% + 16px);
  height:2px;
  background:repeating-linear-gradient(90deg,var(--purple-md) 0,var(--purple-md) 8px,transparent 8px,transparent 16px);
  pointer-events:none;
}
.step{text-align:center;padding:.5rem;}
.step-num{
  width:64px;height:64px;border-radius:50%;
  background:var(--purple);color:#fff;
  font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 1.1rem;box-shadow:0 0 0 8px var(--purple-lt);
  position:relative;z-index:1;
}
.step-title{font-size:.95rem;font-weight:600;color:var(--ink);margin-bottom:.45rem;}
.step-desc{font-size:.8rem;color:var(--ink-2);line-height:1.65;}

/* ════════════════════════════════════
   2. PERSONAL vs OTHER LOANS comparison
════════════════════════════════════ */
.compare-sec{background:var(--paper);}
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,4vw,4rem);align-items:start;}
.compare-wrap{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);}
.compare-table{width:100%;border-collapse:collapse;font-size:.82rem;}
.compare-table thead th{
  padding:.7rem 1rem;text-align:left;
  font-size:.67rem;font-weight:600;letter-spacing:.8px;text-transform:uppercase;
  color:var(--ink-3);background:var(--s2);border-bottom:1px solid var(--border);
}
.compare-table thead th:first-child{border-radius:var(--r-sm) 0 0 0;}
.compare-table thead th:last-child{border-radius:0 var(--r-sm) 0 0;}
.compare-table tbody tr{border-bottom:1px solid var(--border);transition:background .15s;}
.compare-table tbody tr:last-child{border-bottom:none;}
.compare-table tbody tr:hover{background:var(--s2);}
.compare-table td{padding:.75rem 1rem;color:var(--ink-2);vertical-align:top;}
.compare-table td:first-child{color:var(--ink);font-weight:500;}
.good{color:var(--green);font-weight:600;}
.bad {color:var(--rose);font-weight:600;}
.mid {color:var(--gold);font-weight:600;}

/* Use-case cards — right column */
.usecase-stack{display:flex;flex-direction:column;gap:.85rem;}
.usecase-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r-sm);padding:1.1rem 1.25rem;
  display:flex;align-items:flex-start;gap:.85rem;
  transition:border-color .2s,background .2s;
}
.usecase-card:hover{border-color:var(--purple-md);background:var(--purple-lt);}
.usecase-emoji{
  width:38px;height:38px;border-radius:9px;
  background:var(--purple-lt);
  display:flex;align-items:center;justify-content:center;
  font-size:18px;flex-shrink:0;transition:background .2s;
}
.usecase-card:hover .usecase-emoji{background:var(--purple-md);}
.usecase-title{font-size:.85rem;font-weight:600;color:var(--ink);margin-bottom:.25rem;}
.usecase-desc{font-size:.76rem;color:var(--ink-2);line-height:1.55;}
.usecase-rate{
  font-size:.68rem;font-weight:600;color:var(--purple);
  background:var(--purple-lt);padding:2px 8px;border-radius:100px;
  margin-top:.4rem;display:inline-block;
}

/* ════════════════════════════════════
   3. WHY USE — 4 benefit cards
════════════════════════════════════ */
.why-sec{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1rem;}
.why-card{
  background:var(--s2);border:1px solid var(--border);
  border-radius:var(--r);padding:1.5rem;
  position:relative;overflow:hidden;
  transition:transform .22s,box-shadow .22s;
}
.why-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  border-radius:var(--r) var(--r) 0 0;
}
.why-card:nth-child(1)::before{background:linear-gradient(90deg,var(--purple),#a78bfa);}
.why-card:nth-child(2)::before{background:linear-gradient(90deg,var(--orange),#fb923c);}
.why-card:nth-child(3)::before{background:linear-gradient(90deg,var(--green),#34d399);}
.why-card:nth-child(4)::before{background:linear-gradient(90deg,var(--gold),#fbbf24);}
.why-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);}
.why-icon{
  width:44px;height:44px;border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:18px;margin-bottom:1rem;
}
.why-card:nth-child(1) .why-icon{background:var(--purple-lt);color:var(--purple);}
.why-card:nth-child(2) .why-icon{background:var(--orange-lt);color:var(--orange);}
.why-card:nth-child(3) .why-icon{background:var(--green-lt);color:var(--green);}
.why-card:nth-child(4) .why-icon{background:var(--gold-lt);color:var(--gold);}
.why-title{font-size:.92rem;font-weight:600;color:var(--ink);margin-bottom:.4rem;}
.why-desc{font-size:.78rem;color:var(--ink-2);line-height:1.65;}

/* ════════════════════════════════════
   4. CIBIL & FACTORS — split layout
════════════════════════════════════ */
.cibil-sec{background:var(--paper);}
.cibil-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,4vw,4rem);align-items:start;}

/* CIBIL score meter */
.cibil-meter-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:1.75rem;box-shadow:var(--shadow);
}
.cibil-meter-title{font-size:.9rem;font-weight:600;color:var(--ink);margin-bottom:1.25rem;}
.cibil-ranges{display:flex;flex-direction:column;gap:.55rem;}
.cibil-row{display:flex;align-items:center;gap:.85rem;}
.cibil-range-label{font-size:.75rem;font-weight:600;color:var(--ink);width:90px;flex-shrink:0;}
.cibil-track{flex:1;height:10px;border-radius:100px;overflow:hidden;background:var(--s2);}
.cibil-fill{height:100%;border-radius:100px;}
.cibil-desc{font-size:.7rem;color:var(--ink-3);width:110px;text-align:right;flex-shrink:0;}
.cibil-note{
  margin-top:1.25rem;background:var(--purple-lt);border-radius:var(--r-sm);
  padding:.75rem 1rem;font-size:.75rem;color:var(--purple);
  line-height:1.6;border-left:3px solid var(--purple);
}

/* Factors list */
.factors-list{display:flex;flex-direction:column;gap:.85rem;}
.factor-item{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r-sm);padding:1rem 1.1rem;
  display:flex;align-items:flex-start;gap:.85rem;
  transition:border-color .2s,background .2s;
}
.factor-item:hover{border-color:var(--purple-md);background:var(--purple-lt);}
.factor-icon{
  width:36px;height:36px;border-radius:9px;
  background:var(--purple-lt);color:var(--purple);
  display:flex;align-items:center;justify-content:center;
  font-size:15px;flex-shrink:0;transition:background .2s;
}
.factor-item:hover .factor-icon{background:var(--purple-md);}
.factor-title{font-size:.85rem;font-weight:600;color:var(--ink);margin-bottom:.25rem;}
.factor-desc{font-size:.77rem;color:var(--ink-2);line-height:1.6;}

/* ════════════════════════════════════
   5. DEBT CONSOLIDATION SPOTLIGHT
════════════════════════════════════ */
.debt-sec{
  background:var(--purple);
  padding:clamp(2.5rem,6vw,4rem) var(--pad);
  position:relative;overflow:hidden;
  border-radius: 20px;
}
.debt-sec::before{
  content:'';position:absolute;inset:0;
  background-image:radial-gradient(circle,rgba(255,255,255,.06) 1px,transparent 1px);
  background-size:20px 20px;pointer-events:none;
}
.debt-inner{
  max-width:var(--max);margin:0 auto;
  display:grid;grid-template-columns:1.1fr 1fr;
  gap:clamp(2rem,4vw,4rem);align-items:center;
  position:relative;z-index:1;
}
.debt-label{
  display:inline-flex;align-items:center;gap:6px;
  font-size:.68rem;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;
  color:rgba(255,255,255,.75);background:rgba(255,255,255,.15);
  padding:4px 12px;border-radius:100px;margin-bottom:1rem;
}
.debt-title{
  font-family:'Playfair Display',serif;
  font-size:clamp(1.6rem,3.5vw,2.4rem);font-weight:700;
  color:#fff;line-height:1.15;letter-spacing:-.3px;margin-bottom:.85rem;
}
.debt-sub{font-size:.88rem;color:rgba(255,255,255,.8);line-height:1.8;margin-bottom:1.25rem;}
.debt-savings{
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);
  border-radius:var(--r-sm);padding:1rem 1.25rem;
  display:flex;align-items:center;gap:1rem;
}
.debt-savings-num{
  font-family:'Playfair Display',serif;
  font-size:2rem;font-weight:700;color:#fff;line-height:1;flex-shrink:0;
}
.debt-savings-text{font-size:.78rem;color:rgba(255,255,255,.8);line-height:1.6;}

/* Comparison visual */
.debt-compare{display:flex;flex-direction:column;gap:1rem;}
.debt-option{
  background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);
  border-radius:var(--r-sm);padding:1rem 1.25rem;
}
.debt-option-head{
  display:flex;align-items:center;justify-content:space-between;
  margin-bottom:.6rem;
}
.debt-option-name{font-size:.8rem;font-weight:600;color:rgba(255,255,255,.9);}
.debt-option-rate{
  font-size:.75rem;font-weight:700;padding:2px 8px;border-radius:100px;
}
.debt-option-rate.high{background:rgba(248,113,113,.25);color:#fca5a5;}
.debt-option-rate.low {background:rgba(52,211,153,.25);color:#6ee7b7;}
.debt-bar-track{background:rgba(255,255,255,.12);border-radius:100px;height:8px;overflow:hidden;}
.debt-bar-fill{height:100%;border-radius:100px;}
.debt-bar-fill.high{background:linear-gradient(90deg,#f87171,#fca5a5);}
.debt-bar-fill.low {background:linear-gradient(90deg,#34d399,#6ee7b7);}
.debt-option-meta{font-size:.7rem;color:rgba(255,255,255,.6);margin-top:.45rem;}
.debt-arrow{
  text-align:center;color:rgba(255,255,255,.5);
  font-size:1.25rem;margin:-.25rem 0;
}

/* ════════════════════════════════════
   6. KEY INSIGHTS — stats + tips
════════════════════════════════════ */
.insight-sec{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.insight-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,4vw,4rem);align-items:start;}
.insight-list{display:flex;flex-direction:column;gap:.9rem;}
.insight-item{
  display:flex;gap:1rem;padding:1.1rem 1.25rem;
  background:var(--s2);border-radius:var(--r-sm);border:1px solid var(--border);
  transition:border-color .2s,background .2s;
}
.insight-item:hover{border-color:var(--purple-md);background:var(--purple-lt);}
.insight-icon{
  width:36px;height:36px;border-radius:9px;
  background:var(--purple-lt);color:var(--purple);
  display:flex;align-items:center;justify-content:center;
  font-size:15px;flex-shrink:0;
}
.insight-item:hover .insight-icon{background:var(--purple-md);}
.insight-title{font-size:.85rem;font-weight:600;color:var(--ink);margin-bottom:.3rem;}
.insight-desc{font-size:.77rem;color:var(--ink-2);line-height:1.6;}
.insight-stats{display:flex;flex-direction:column;gap:1rem;}
.istat{
  background:var(--s2);border:1px solid var(--border);
  border-radius:var(--r);padding:1.25rem 1.4rem;
  position:relative;overflow:hidden;
}
.istat::after{
  content:'';position:absolute;right:-20px;top:-20px;
  width:80px;height:80px;border-radius:50%;opacity:.08;
}
.istat.purple::after{background:var(--purple);}
.istat.rose::after  {background:var(--rose);}
.istat.gold::after  {background:var(--gold);}
.istat-label{font-size:.68rem;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--ink-3);margin-bottom:.5rem;}
.istat-val{
  font-family:'Playfair Display',serif;
  font-size:2rem;font-weight:700;line-height:1;margin-bottom:.3rem;
}
.istat.purple .istat-val{color:var(--purple);}
.istat.rose   .istat-val{color:var(--rose);}
.istat.gold   .istat-val{color:var(--gold);}
.istat-desc{font-size:.75rem;color:var(--ink-2);line-height:1.5;}

/* ════════════════════════════════════
   7. WARNINGS / WATCH OUT
════════════════════════════════════ */
.warn-sec{background:var(--paper);}
.warn-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1rem;margin-bottom:1.25rem;}
.warn-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:1.4rem;
  border-left:4px solid;
  transition:transform .22s,box-shadow .22s;
}
.warn-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);}
.warn-card.red   {border-left-color:var(--rose);}
.warn-card.orange{border-left-color:var(--orange);}
.warn-card.gold  {border-left-color:var(--gold);}
.warn-icon{
  width:38px;height:38px;border-radius:9px;
  display:flex;align-items:center;justify-content:center;
  font-size:16px;margin-bottom:.85rem;
}
.warn-card.red    .warn-icon{background:var(--rose-lt);color:var(--rose);}
.warn-card.orange .warn-icon{background:var(--orange-lt);color:var(--orange);}
.warn-card.gold   .warn-icon{background:var(--gold-lt);color:var(--gold);}
.warn-title{font-size:.88rem;font-weight:600;color:var(--ink);margin-bottom:.4rem;}
.warn-desc{font-size:.78rem;color:var(--ink-2);line-height:1.65;}

/* Bottom safe tip */
.safe-tip{
  background:var(--green-lt);border:1px solid rgba(26,107,74,.2);
  border-radius:var(--r);padding:1.1rem 1.4rem;
  display:flex;align-items:center;gap:.9rem;flex-wrap:wrap;
}
.safe-tip i{color:var(--green);font-size:1.1rem;flex-shrink:0;}
.safe-tip-text{font-size:.82rem;color:var(--green);line-height:1.6;flex:1;}
.safe-tip-text strong{color:var(--green);}

/* ════════════════════════════════════
   8. TAX — limited but real
════════════════════════════════════ */
.tax-sec{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.tax-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1rem;}
.tax-card{
  background:var(--s2);border:1px solid var(--border);
  border-radius:var(--r);padding:1.5rem;
  display:flex;flex-direction:column;gap:.65rem;
  transition:transform .22s,box-shadow .22s;
}
.tax-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);}
.tax-badge{
  display:inline-block;font-size:.68rem;font-weight:700;letter-spacing:.5px;
  text-transform:uppercase;padding:.25rem .75rem;border-radius:100px;
  align-self:flex-start;
}
.tax-badge.green {background:var(--green-lt);color:var(--green);}
.tax-badge.gold  {background:var(--gold-lt);color:var(--gold);}
.tax-badge.grey  {background:var(--s3);color:var(--ink-3);}
.tax-title{font-size:.9rem;font-weight:600;color:var(--ink);}
.tax-desc{font-size:.78rem;color:var(--ink-2);line-height:1.65;}
.tax-note{
  font-size:.7rem;color:var(--ink-3);background:var(--surface);
  border-radius:var(--r-sm);padding:.5rem .75rem;
  border-left:2px solid var(--border);line-height:1.5;
}

/* ════════════════════════════════════
   9. FAQ
════════════════════════════════════ */
.faq-sec{background:var(--paper);}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;}
.faq-item{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);overflow:hidden;
}
.faq-q{
  display:flex;align-items:center;justify-content:space-between;gap:.75rem;
  padding:1.1rem 1.25rem;cursor:pointer;
  font-size:.88rem;font-weight:600;color:var(--ink);
  transition:background .18s;user-select:none;
}
.faq-q:hover{background:var(--s2);}
.faq-q i{font-size:.75rem;color:var(--ink-3);flex-shrink:0;transition:transform .25s;}
.faq-item.open .faq-q i{transform:rotate(45deg);color:var(--purple);}
.faq-item.open .faq-q{color:var(--purple);}
.faq-a{
  display:none;padding:0 1.25rem 1.1rem;
  font-size:.8rem;color:var(--ink-2);line-height:1.75;
  border-top:1px solid var(--border);
}
.faq-a p{padding-top:.9rem;}
.faq-item.open .faq-a{display:block;}

/* ════════════════════════════════════
   10. RELATED CALCULATORS
════════════════════════════════════ */
.related-sec{background:var(--surface);border-top:1px solid var(--border);}
.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:.75rem;}
.related-card{
  background:var(--s2);border:1px solid var(--border);
  border-radius:var(--r-sm);padding:1rem 1.1rem;
  display:flex;align-items:center;gap:.75rem;
  transition:all .22s;
}
.related-card:hover{background:var(--purple-lt);border-color:var(--purple-md);transform:translateY(-2px);}
.related-card-icon{
  width:34px;height:34px;border-radius:8px;
  background:var(--purple-lt);color:var(--purple);
  display:flex;align-items:center;justify-content:center;
  font-size:14px;flex-shrink:0;
}
.related-card:hover .related-card-icon{background:var(--purple-md);}
.related-card-name{font-size:.8rem;font-weight:600;color:var(--ink);}
.related-card-sub{font-size:.68rem;color:var(--ink-3);margin-top:1px;}

/* ════════════════════════════════════
   11. FINAL CTA
════════════════════════════════════ */
.final-note{
  background:var(--ink);
  padding:clamp(2rem,5vw,1.5rem) var(--pad);
  text-align:center;position:relative;overflow:hidden;
  border-radius: 20px;
}
.final-note::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse at center top,rgba(109,40,217,.4),transparent 65%);
  pointer-events:none;
}
.final-note-inner{max-width:620px;margin:0 auto;position:relative;z-index:1;}
.final-note h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(1.6rem,3.5vw,2.4rem);font-weight:700;
  color:#fff;margin-bottom:.75rem;letter-spacing:-.3px;
}
.final-note p{font-size:.9rem;color:rgba(255,255,255,.72);line-height:1.8;margin-bottom:1.75rem;}
.final-btns{display:flex;gap:.65rem;justify-content:center;flex-wrap:wrap;}
.btn-w{
  display:inline-flex;align-items:center;gap:6px;
  background:#fff;color:var(--purple);
  padding:.65rem 1.5rem;border-radius:var(--r-sm);
  font-size:.88rem;font-weight:600;border:none;transition:opacity .2s;
}
.btn-w:hover{opacity:.9;}
.btn-o{
  display:inline-flex;align-items:center;gap:6px;
  background:transparent;color:#fff;
  padding:.65rem 1.5rem;border-radius:var(--r-sm);
  font-size:.88rem;font-weight:500;
  border:1.5px solid rgba(255,255,255,.35);
  transition:border-color .2s,background .2s;
}
.btn-o:hover{border-color:#fff;background:rgba(255,255,255,.1);}

/* ═══ RESPONSIVE ═══ */
@media(max-width:900px){
  .compare-grid,.cibil-grid,.debt-inner,.insight-grid{grid-template-columns:1fr;}
  .faq-grid{grid-template-columns:1fr;}
  .steps-grid::before{display:none;}
}
@media(max-width:640px){
  .steps-grid{grid-template-columns:1fr;gap:1.5rem;}
  .insight-stats{flex-direction:row;flex-wrap:wrap;}
  .istat{flex:1;min-width:140px;}
  .related-grid{grid-template-columns:1fr 1fr;}
  .debt-inner{grid-template-columns:1fr;}
}
@media(hover:none){
  .why-card:hover,.warn-card:hover,.tax-card:hover,.related-card:hover{transform:none;}
}
/* ═══════════ FOOTER ═══════════ */
/* footer {
  text-align:center; padding:1.75rem var(--pad);
  color:var(--muted); font-size:.75rem;
  border-top:1px solid var(--border); margin-top:3rem;
} */

/* ═══════════ ANIMATIONS ═══════════ */
@keyframes fadeUp {
  from { opacity:0; transform:translateY(14px); }
  to   { opacity:1; transform:translateY(0); }
}
.card { animation:fadeUp .45s ease both; }

/* ════════════════════════════════════════
   RESPONSIVE BREAKPOINTS
════════════════════════════════════════ */
@media (max-width:1024px) {
  .main-grid {
    grid-template-columns:300px 1fr;
    grid-template-areas:
      "inputs charts"
      "sidebar sidebar";
  }
  .sidebar-col { display:grid; grid-template-columns:1fr 1fr; gap:1rem; }
  .sidebar-col .card + .card { margin-top:0; }
}

@media (max-width:768px) {
  :root { --nav-h:56px; }
  .ham-btn     { display:flex; }
  .nav-desktop { display:none; }
  .main-grid {
    grid-template-columns:1fr;
    grid-template-areas: "inputs" "charts" "sidebar";
  }
  .sidebar-col { grid-template-columns:1fr 1fr; }
  .metrics-row { grid-template-columns:repeat(3,1fr); }
  .tips-grid   { grid-template-columns:repeat(2,1fr); }
  .donut-wrap  { flex-direction:row; }
}

@media (max-width:580px) {
  .metrics-row { grid-template-columns:1fr 1fr; }
  .metric.total { grid-column:1 / -1; }
  .sidebar-col { grid-template-columns:1fr; }
  .sidebar-col .card + .card { margin-top:1rem; }
  .tips-grid { grid-template-columns:1fr; }
  .donut-wrap { flex-direction:column; align-items:flex-start; }
  .donut-legend { flex-direction:row; flex-wrap:wrap; gap:10px; }
  .leg-row { flex:1; min-width:130px; }
  table { font-size:.72rem; }
  thead th, tbody td { padding:7px 8px; }
  .hide-xs { display:none; }
  .card { padding:1rem; }
}

@media (max-width:400px) {
  .metrics-row { grid-template-columns:1fr; }
  .metric.total { grid-column:auto; }
  .hero h1 { font-size:1.6rem; }
}

@media (hover:none) {
  input[type=range]::-webkit-slider-thumb { width:26px; height:26px; }
  .tip:hover, .metric:hover { transform:none; }
}