/* CreditGrid — liquid glass, white by default with a navy dark mode. Same glass system as Yn Studios.
   Palette from the logo: navy, blue, gold. */
:root {
  --bg1: #FFFFFF;
  --bg2: #F1F5FC;

  --ink: #0C1B3A;
  --ink-2: #44546F;
  --ink-3: #5E6B84;
  --accent: #2563EB;
  --accent-hover: #1D4FD0;
  --accent-text: #1D4ED8;
  --accent-soft: rgba(37,99,235,.10);
  --hl: #1D4ED8;
  --gold: #E0AE2E;
  --good: #15803D;
  --good-soft: rgba(21,128,61,.10);
  --wa: #1FAF5A; --wa-hover: #198F49;

  --pane: rgba(255,255,255,.78);
  --pane-solid: rgba(255,255,255,.92);
  --pane-shadow: 0 1px 0 rgba(255,255,255,1) inset, 0 1px 3px rgba(30,60,130,.06), 0 24px 56px rgba(30,60,130,.12);
  --field: rgba(12,27,58,.05);
  --field-focus: rgba(255,255,255,.95);
  --hair: rgba(12,27,58,.09);

  --g1: rgba(255,255,255,.8); --g2: rgba(236,243,255,.34); --g3: rgba(255,255,255,.66);
  --glass-hi: rgba(255,255,255,1);
  --glass-sh: rgba(30,60,130,.16);
  --ring: 0 0 0 3px rgba(37,99,235,.35);

  --sans: "Switzer", "Helvetica Neue", Arial, sans-serif;
  color-scheme: light;
}

:root[data-theme="dark"] {
  --bg1: #050B1F;
  --bg2: #0A1B45;
  --ink: #EAF0FF;
  --ink-2: #B3C0DB;
  --ink-3: #8F9DBA;
  --accent-hover: #3B74F0;
  --accent-text: #8DB0FA;
  --accent-soft: rgba(59,130,246,.18);
  --hl: #8DB0FA;
  --gold: #F2D27F;
  --good: #4ADE80;
  --good-soft: rgba(74,222,128,.14);
  --wa-hover: #25C466;

  --pane: rgba(17,31,68,.7);
  --pane-solid: rgba(17,31,68,.92);
  --pane-shadow: 0 1px 0 rgba(255,255,255,.07) inset, 0 24px 60px rgba(0,0,0,.35);
  --field: rgba(255,255,255,.07);
  --field-focus: rgba(255,255,255,.12);
  --hair: rgba(255,255,255,.1);

  --g1: rgba(255,255,255,.12); --g2: rgba(255,255,255,.015); --g3: rgba(255,255,255,.08);
  --glass-hi: rgba(255,255,255,.26);
  --glass-sh: rgba(0,0,0,.34);
  --ring: 0 0 0 3px rgba(141,176,250,.5);
  color-scheme: dark;
}
[data-theme="dark"] .g-white { color: #fff; text-shadow: 0 1px 8px rgba(0,0,0,.25); background: linear-gradient(135deg, rgba(255,255,255,.3), rgba(255,255,255,.07) 50%, rgba(255,255,255,.22)); }
[data-theme="dark"] .g-blue { background: linear-gradient(135deg, rgba(59,130,246,.78), rgba(37,99,235,.32) 50%, rgba(59,130,246,.66)); }
[data-theme="dark"] .menu.glass { background: linear-gradient(135deg, rgba(8,16,40,.78), rgba(8,16,40,.6) 50%, rgba(8,16,40,.74)); }
[data-theme="dark"] .f select option { background: #0E1C40; color: #EAF0FF; }
[data-theme="dark"] .foot { background: linear-gradient(180deg, transparent, rgba(0,0,0,.22)); }
[data-theme="dark"] .f select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238F9DBA' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); }

/* theme change without View Transitions: everything eases over together */
html.theme-anim, html.theme-anim *, html.theme-anim *::before, html.theme-anim *::after { transition: background-color .8s ease, color .8s ease, box-shadow .8s ease, border-color .8s ease, fill .8s ease, stroke .8s ease !important; }
/* with View Transitions: the new theme is revealed as a circle growing from the switch */
::view-transition-old(root), ::view-transition-new(root) { animation: none; mix-blend-mode: normal; }
::view-transition-old(root) { z-index: 1; }
::view-transition-new(root) { z-index: 2; }

*, *::before, *::after { box-sizing: border-box; }
html { color-scheme: light; scroll-behavior: smooth; scroll-padding-top: 96px; -webkit-text-size-adjust: 100%; }
body {
  margin: 0; color: var(--ink);
  background: linear-gradient(180deg, var(--bg1) 0%, var(--bg2) 55%, var(--bg1) 100%) fixed;
  font-family: var(--sans); font-weight: 500; font-size: 16px; line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  -webkit-tap-highlight-color: transparent;
}
[hidden] { display: none !important; }
img { max-width: 100%; display: block; }
h1, h2, h3 { margin: 0; font-weight: 700; letter-spacing: -0.02em; line-height: 1.15; }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; color: inherit; }
button { cursor: pointer; touch-action: manipulation; }
a { touch-action: manipulation; }
:focus-visible { outline: none; box-shadow: var(--ring); border-radius: 10px; }


.wrap { width: min(1120px, 100% - 40px); margin-inline: auto; }
.skip { position: absolute; left: -999px; top: 8px; background: #fff; color: #0C1B3A; padding: 8px 14px; border-radius: 8px; z-index: 200; }
.skip:focus { left: 8px; }
.ic { width: 18px; height: 18px; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

/* ================= LIQUID GLASS ================= */
.glass {
  position: relative; isolation: isolate; border: 0;
  background: linear-gradient(135deg, var(--g1), var(--g2) 45%, var(--g3));
  box-shadow:
    inset 0 10px 14px -10px var(--glass-hi),
    inset 0 -10px 14px -10px rgba(255,255,255,.08),
    inset 0 0 26px rgba(255,255,255,.05),
    0 12px 36px var(--glass-sh),
    0 2px 8px rgba(0,0,0,.12);
  color: var(--ink);
  transition: transform .45s cubic-bezier(.34,1.56,.64,1), box-shadow .3s, background .3s;
}
/* light that follows the pointer across the surface (glass.js sets --mx/--my) */
.glass::before {
  content: ""; position: absolute; inset: 0; border-radius: inherit; pointer-events: none; z-index: 1; opacity: 0;
  background: radial-gradient(120px circle at var(--mx, 28%) var(--my, 0%), rgba(255,255,255,.3), transparent 62%);
  transition: opacity .3s;
}
.glass:hover::before { opacity: .9; }
.glass:hover { transform: scale(1.03); }
.glass:active { transform: scale(.96); transition-duration: .15s; }
.nav.glass:hover, .nav.glass:active { transform: translateX(-50%); }
/* large cards: same look as the glass, without the live backdrop filter (costly while scrolling, invisible on white) */
.card {
  background: linear-gradient(135deg, var(--g1), var(--g2) 45%, var(--g3));
  box-shadow: inset 0 10px 14px -10px var(--glass-hi), inset 0 0 26px rgba(255,255,255,.05), 0 12px 36px var(--glass-sh), 0 2px 8px rgba(0,0,0,.08);
  transition: transform .45s cubic-bezier(.34,1.56,.64,1), box-shadow .3s;
}
.card:hover { transform: translateY(-4px) scale(1.012); box-shadow: inset 0 10px 14px -10px var(--glass-hi), 0 20px 44px var(--glass-sh), 0 2px 8px rgba(0,0,0,.08); }
.card:active { transform: scale(.985); transition-duration: .15s; }
.ticker.glass:hover, .ticker.glass:active { transform: none; }
.glass-frost .glass[data-live] { -webkit-backdrop-filter: blur(18px) saturate(1.9) brightness(1.12); backdrop-filter: blur(18px) saturate(1.9) brightness(1.12); }
.no-glass .glass, .no-glass .pane { -webkit-backdrop-filter: none; backdrop-filter: none; background: var(--pane-solid); }
@media (prefers-reduced-transparency: reduce) { .glass, .pane { -webkit-backdrop-filter: none; backdrop-filter: none; background: var(--pane-solid); } }
/* weak devices (perf.js): plain translucent panels, no blur or refraction */
html.lite .glass, html.lite .pane { -webkit-backdrop-filter: none !important; backdrop-filter: none !important; }
html.lite .glass { background: var(--pane-solid); box-shadow: 0 4px 14px var(--glass-sh); }
html.lite .glass::before { display: none; }
html.lite .ticker-track { animation-duration: 520s; }
html.lite .quotes-track { animation-duration: 240s; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 11px 20px; border: 0; border-radius: 999px; font-weight: 600; font-size: 15px; line-height: 1;
  transition: background-color .25s ease, transform .3s cubic-bezier(.2,.8,.2,1), box-shadow .3s ease, opacity .2s;
  white-space: nowrap;
}
.btn:disabled { opacity: .65; cursor: progress; }
.btn-lg { padding: 17px 28px; font-size: 16px; }
.btn-block { width: 100%; }
.btn:not(.glass):hover:not(:disabled) { transform: translateY(-1px); }
.btn:not(.glass):active:not(:disabled) { transform: scale(.97); transition-duration: .1s; }
.btn-primary:hover:not(:disabled) { box-shadow: 0 12px 28px rgba(37,99,235,.36); }
.btn-primary { background: var(--accent); color: #fff; box-shadow: 0 8px 22px rgba(37,99,235,.32); }
.btn-primary:hover:not(:disabled) { background: var(--accent-hover); }
.btn-ink { background: var(--ink); color: var(--bg1); }
.btn-soft { background: var(--field); color: var(--ink); }
.btn-soft:hover { background: var(--accent-soft); color: var(--accent-text); }
.btn-soft .ic { color: var(--accent-text); }
.btn-wa { background: var(--wa); color: #fff; }
.btn-wa:hover { background: var(--wa-hover); }
.btn .ic-end { opacity: .6; transition: transform .2s ease; }
.btn:hover .ic-end { transform: translateX(3px); }
/* glass buttons */
.btn.glass { box-shadow: inset 0 10px 14px -10px var(--glass-hi), inset 0 0 20px rgba(255,255,255,.08), 0 10px 28px var(--glass-sh), 0 2px 6px rgba(0,0,0,.14); }
.btn.glass:hover { transform: scale(1.045); }
.g-white { color: var(--ink); text-shadow: none; background: linear-gradient(135deg, rgba(255,255,255,.95), rgba(255,255,255,.55) 50%, rgba(255,255,255,.85)); }
.g-blue { color: #fff; text-shadow: 0 1px 8px rgba(0,0,0,.25); background: linear-gradient(135deg, rgba(37,99,235,.92), rgba(37,99,235,.62) 50%, rgba(37,99,235,.86)); }

.icon-btn { display: grid; place-items: center; width: 40px; height: 40px; border: 0; border-radius: 50%; background: transparent; color: var(--ink-2); transition: background-color .2s ease, color .2s; }
.icon-btn:hover { background: var(--field); color: var(--ink); }
.menu-btn { display: none; }
.menu-btn .ic-shut { display: none; }
.menu-btn[aria-expanded="true"] .ic-open { display: none; }
.menu-btn[aria-expanded="true"] .ic-shut { display: block; }
.linklike { background: none; border: 0; padding: 0; color: inherit; }
.spin { animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- nav ---------- */
.nav {
  position: fixed; top: 14px; left: 50%; transform: translateX(-50%); z-index: 60;
  width: min(1120px, 100% - 28px); height: 64px; border-radius: 999px;
  display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 0 12px 0 14px;
}
.brand { display: block; flex: none; position: relative; z-index: 2; }
.brand img, .foot-logo { height: 44px; width: auto; }
.logo-dark { display: none; }
[data-theme="dark"] .logo-light { display: none; }
[data-theme="dark"] .logo-dark { display: block; }
.nav-links { display: flex; gap: 32px; font-size: 15px; font-weight: 600; color: var(--ink-2); position: relative; z-index: 2; }
.nav-links a, .nav-links .linklike { transition: color .2s ease; cursor: pointer; }
.nav-links a:hover, .nav-links .linklike:hover { color: var(--ink); }
.nav-actions { display: flex; align-items: center; gap: 10px; position: relative; z-index: 2; }

/* theme button: one icon, the moon turns into the sun (and back) slowly */
.theme-btn { position: relative; width: 42px; height: 42px; }
.theme-btn .ic { position: absolute; inset: 0; margin: auto; width: 20px; height: 20px; transition: transform .9s cubic-bezier(.65,0,.35,1), opacity .9s cubic-bezier(.65,0,.35,1); }
.theme-btn .ic-moon { opacity: 1; transform: rotate(0) scale(1); }
.theme-btn .ic-sun { opacity: 0; transform: rotate(-90deg) scale(.4); }
[data-theme="dark"] .theme-btn .ic-moon { opacity: 0; transform: rotate(90deg) scale(.4); }
[data-theme="dark"] .theme-btn .ic-sun { opacity: 1; transform: rotate(0) scale(1); }
.theme-btn:active .ic { scale: .88; }

.menu {
  position: fixed; left: 14px; right: 14px; top: 90px; z-index: 59; display: none; flex-direction: column;
  padding: 10px; border-radius: 28px; opacity: 0; visibility: hidden; translate: 0 -8px;
  transition: opacity .3s, translate .3s, visibility 0s .3s;
}
.menu.open { opacity: 1; visibility: visible; translate: 0 0; transition-delay: 0s; }
.menu a, .menu .linklike { display: block; text-align: left; padding: 14px 16px; border-radius: 18px; font-weight: 600; font-size: 17px; color: var(--ink); }
.menu a:active, .menu .linklike:active { background: var(--field); }
.menu:hover { transform: none; }
.menu.glass { background: linear-gradient(135deg, rgba(255,255,255,.92), rgba(255,255,255,.78) 50%, rgba(255,255,255,.9)); }

.fab { position: fixed; right: 16px; bottom: max(16px, env(safe-area-inset-bottom)); z-index: 55; display: none; align-items: center; gap: 9px; padding: 14px 20px; border-radius: 999px; font-weight: 600; font-size: 15px; }
.fab .ic { color: var(--good); }

/* ---------- hero ---------- */
.hero { position: relative; text-align: center; padding: 176px 0 112px; }
.badge { display: inline-flex; align-items: center; gap: 8px; padding: 7px 14px; border-radius: 999px; background: var(--accent-soft); color: var(--accent-text); font-size: 13px; font-weight: 600; margin-bottom: 26px; }
.badge .ic { width: 16px; height: 16px; }
h1 { font-size: clamp(34px, 5vw, 56px); letter-spacing: -0.03em; line-height: 1.08; max-width: 700px; margin-inline: auto; text-wrap: balance; }
.h1-em { color: var(--hl); }
.lede { text-wrap: balance; max-width: 600px; margin: 24px auto 0; font-size: clamp(17px, 2vw, 19px); line-height: 1.6; color: var(--ink-2); }
.hero-cta { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-top: 40px; }

.chips { position: absolute; inset: 0; pointer-events: none; }
.chip { position: absolute; width: 216px; padding: 16px 18px 17px; border-radius: 26px; display: flex; flex-direction: column; gap: 2px; text-align: left; pointer-events: auto; }
.c1 { left: 0; top: 150px; }
.c2 { right: 0; top: 150px; }
.c3 { left: 0; bottom: 40px; }
.c4 { right: 0; bottom: 40px; }

/* desktop: the four corner chips drift gently, each on its own rhythm (translate/rotate keep hover's scale working) */
@media (min-width: 1101px) {
  .chip { will-change: translate, rotate; animation: bob 7s ease-in-out infinite; }
  .c2 { animation-duration: 8.5s; animation-delay: -2.4s; }
  .c3 { animation-duration: 7.6s; animation-delay: -4.1s; }
  .c4 { animation-duration: 9.2s; animation-delay: -1.2s; }
}
@keyframes bob {
  0%, 100% { translate: 0 0; rotate: 0deg; }
  25% { translate: 3px -7px; rotate: .5deg; }
  50% { translate: 0 -3px; rotate: 0deg; }
  75% { translate: -3px -8px; rotate: -.5deg; }
}
.chip-k { display: inline-flex; align-items: center; gap: 7px; font-size: 12.5px; font-weight: 600; color: var(--ink-2); }
.chip-v { font-size: 30px; font-weight: 700; letter-spacing: -0.03em; line-height: 1.15; font-variant-numeric: tabular-nums; }
.chip-s { font-size: 13px; color: var(--ink-3); }
.chip-link { position: absolute; inset: 0; border-radius: inherit; z-index: 3; }
.c1 .chip-v { color: var(--good); }
.dot { width: 7px; height: 7px; border-radius: 50%; background: var(--good); animation: pulse 2s ease-in-out infinite; }
@keyframes pulse { 50% { opacity: .35; } }

/* ---------- sections ---------- */
.sec { padding-bottom: 28px; }
.sec-tight { padding-bottom: 56px; }
.sec-last { padding-bottom: 88px; }
.sec-title { text-align: center; font-size: clamp(24px, 3vw, 34px); margin-bottom: 30px; }
h2 { font-size: clamp(24px, 3vw, 32px); }
.pane { background: var(--pane-solid); border-radius: 32px; padding: clamp(24px, 4vw, 48px); box-shadow: var(--pane-shadow); }
.title-row { display: flex; align-items: center; gap: 14px; margin-bottom: 8px; }
.chip-ic { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 14px; background: var(--accent-soft); color: var(--accent-text); flex: none; }
.chip-ic .ic { width: 22px; height: 22px; }
.eyebrow { font-size: 13px; font-weight: 600; color: var(--ink-3); }

/* live-rates strip */
.ticker { display: flex; align-items: center; height: 58px; border-radius: 999px; padding: 0 10px 0 9px; }
.ticker-tag { flex: none; margin-right: 14px; padding: 8px 14px; border-radius: 999px; background: var(--accent); color: #fff; font-size: 12.5px; font-weight: 700; position: relative; z-index: 2; }
.ticker-viewport { flex: 1; overflow: hidden; position: relative; z-index: 2; -webkit-mask-image: linear-gradient(90deg, transparent, #000 36px, #000 calc(100% - 36px), transparent); mask-image: linear-gradient(90deg, transparent, #000 36px, #000 calc(100% - 36px), transparent); }
.ticker-track { display: flex; width: max-content; animation: scroll 520s linear infinite; will-change: transform; }
.tick { display: flex; align-items: center; gap: 8px; margin-right: 40px; white-space: nowrap; }
.tick-bank { font-size: 12px; font-weight: 600; color: var(--ink-2); text-transform: uppercase; letter-spacing: .03em; }
.tick-rate { display: inline-flex; align-items: center; gap: 5px; font-size: 14px; font-weight: 700; color: var(--good); }
.tick-rate .ic { width: 13px; height: 13px; }
@keyframes scroll { to { transform: translateX(-50%); } }

/* "everything in one place" */
.flow { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.flow-card { border-radius: 30px; padding: 30px; display: flex; flex-direction: column; gap: 10px; min-height: 230px; }
.flow-n { font-size: 14px; font-weight: 700; color: var(--hl); }
.flow-card h3 { font-size: 21px; }
.flow-card p { color: var(--ink-2); font-size: 15px; }
.flow-a { margin-top: auto; padding-top: 12px; display: inline-flex; align-items: center; gap: 6px; font-weight: 600; font-size: 15px; color: var(--accent-text); position: relative; z-index: 2; }
.flow-a::after { content: ""; position: absolute; inset: -200px -40px -100px -40px; }
.flow-a .ic { width: 16px; height: 16px; transition: transform .2s; }
.flow-card:hover .flow-a .ic { transform: translateX(4px); }

/* rate sheet */
.rate-panel { display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center; }
.live { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--good); background: var(--good-soft); padding: 5px 12px; border-radius: 999px; margin-bottom: 18px; }
.live .dot { background: currentColor; }
.rate-text { margin-top: 12px; font-size: 18px; color: var(--ink-2); max-width: 560px; }
.rate-text strong { color: var(--ink); font-weight: 700; }
.rate-sub { margin-top: 6px; font-size: 14px; color: var(--ink-3); }
.cat-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 22px; max-width: 640px; }
.cat-list li { padding: 5px 11px; border-radius: 999px; background: var(--field); font-size: 12.5px; font-weight: 600; color: var(--ink-2); }
.rate-action { text-align: center; }
.fine { margin-top: 10px; font-size: 12.5px; color: var(--ink-3); }

/* EMI */
.emi { display: grid; grid-template-columns: 1.1fr 1fr; gap: clamp(28px, 5vw, 64px); }
.emi-inputs { display: flex; flex-direction: column; gap: 30px; }
.field-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; }
.field-head label { font-size: 14px; font-weight: 600; color: var(--ink-2); }
.val { font-size: 14px; font-weight: 700; color: var(--accent-text); background: var(--accent-soft); padding: 4px 11px; border-radius: 8px; font-variant-numeric: tabular-nums; }

input[type="range"] { touch-action: pan-y; -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 999px; background: linear-gradient(to right, var(--accent) var(--p, 50%), var(--field) var(--p, 50%)); outline: none; cursor: pointer; margin: 8px 0; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.35), 0 0 0 5px rgba(59,130,246,.28); transition: box-shadow .2s ease; }
input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border: 0; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.35), 0 0 0 5px rgba(59,130,246,.28); }
input[type="range"]:focus-visible::-webkit-slider-thumb { box-shadow: 0 1px 3px rgba(0,0,0,.35), var(--ring); }
input[type="range"]:focus-visible::-moz-range-thumb { box-shadow: 0 1px 3px rgba(0,0,0,.35), var(--ring); }
input[type="range"]:focus-visible { box-shadow: none; }

.emi-result { contain: layout paint; background: var(--field); border-radius: 24px; padding: clamp(24px, 3vw, 34px); display: flex; flex-direction: column; justify-content: space-between; gap: 24px; }
.emi-figure { font-size: clamp(36px, 5vw, 48px); font-weight: 700; letter-spacing: -0.03em; line-height: 1.1; margin: 6px 0 20px; font-variant-numeric: tabular-nums; }
.split { display: flex; align-items: center; gap: 22px; margin-bottom: 14px; }
.donut { width: 104px; height: 104px; flex: none; transform: rotate(-90deg); }
.donut circle { fill: none; stroke-width: 14; }
.d-int { stroke: var(--gold); }
.d-pri { stroke: var(--accent); }
.legend { display: grid; gap: 8px; font-size: 14px; color: var(--ink-2); }
.legend li { display: flex; align-items: center; gap: 8px; }
.legend b { color: var(--ink); font-variant-numeric: tabular-nums; margin-left: 4px; }
.legend i { width: 10px; height: 10px; border-radius: 50%; display: inline-block; }
.k-pri { background: var(--accent); } .k-int { background: var(--gold); }
.emi-rows { margin: 0; display: grid; }
.emi-rows div { display: flex; justify-content: space-between; padding: 13px 0; font-size: 15px; }
.emi-rows div + div { box-shadow: 0 -1px 0 var(--hair); }
.emi-rows dt { color: var(--ink-2); }
.emi-rows dd { margin: 0; font-weight: 700; font-variant-numeric: tabular-nums; }

/* products */
.tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.tile { border-radius: 28px; padding: 28px; }
.tile .chip-ic { margin-bottom: 22px; }
.tile h3 { font-size: 19px; margin-bottom: 6px; }
.tile p { font-size: 14.5px; color: var(--ink-2); }

/* studio */
.studio { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(28px, 4vw, 56px); }
.studio-sub { margin-top: 10px; color: var(--ink-2); }
.studio-form { display: flex; flex-direction: column; gap: 26px; min-width: 0; }
.seg { display: grid; grid-template-columns: repeat(3, 1fr); gap: 4px; padding: 4px; background: var(--field); border-radius: 16px; }
.seg button { display: flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 8px; border: 0; border-radius: 12px; background: transparent; color: var(--ink-3); font-weight: 600; font-size: 14px; transition: background-color .2s ease, color .2s ease; }
.seg button:hover { color: var(--ink); }
.seg button[aria-selected="true"] { background: var(--accent); color: #fff; box-shadow: 0 6px 16px rgba(37,99,235,.35); }
.form { display: flex; flex-direction: column; gap: 18px; }
.f { display: flex; flex-direction: column; gap: 8px; min-width: 0; }
.f-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.f label { font-size: 13px; font-weight: 600; color: var(--ink-2); }
.f input[type="text"], .f select, .drop { width: 100%; padding: 14px 16px; border: 0; border-radius: 14px; background: var(--field); color: var(--ink); transition: background-color .2s ease, box-shadow .2s ease; }
.f input::placeholder { color: var(--ink-3); opacity: .8; }
.f input:focus, .f select:focus { outline: none; background: var(--field-focus); box-shadow: var(--ring), inset 0 0 0 1px var(--accent); border-radius: 14px; }
.f select { appearance: none; -webkit-appearance: none; cursor: pointer; font-weight: 600; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238F9DBA' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-size: 18px; padding-right: 42px; }
.f select option { background: #fff; color: #0C1B3A; }
.drop { display: flex; align-items: center; justify-content: center; gap: 10px; color: var(--ink-2); font-weight: 600; font-size: 14px; border: 2px dashed var(--hair); background: transparent; }
.drop:hover { border-color: var(--accent); color: var(--accent-text); }
.drop-empty, .drop-done { display: inline-flex; align-items: center; gap: 8px; }
.drop-done { color: var(--good); }

.stage { position: relative; display: grid; place-items: center; min-height: 440px; padding: 16px; background: var(--field); border-radius: 24px; min-width: 0; overflow: hidden; }
.stage-fit { --s: 1; position: relative; }
.asset-frame { transform: scale(var(--s)); transform-origin: top left; width: max-content; border-radius: 10px; overflow: hidden; box-shadow: 0 18px 50px -12px rgba(0,0,0,.55); }

/* collateral (hard-coded colours so the PNG export is identical wherever it is drawn) */
.asset { font-family: var(--sans); text-align: left; }
.asset.sysfont { font-family: Arial, Helvetica, sans-serif; }
.a-poster { width: 350px; height: 438px; background: #fff; display: flex; flex-direction: column; }
.p-top { flex: 1; background: #0A0F1C; color: #fff; padding: 32px; display: flex; flex-direction: column; justify-content: center; position: relative; }
.p-logo { position: absolute; top: 22px; right: 22px; width: 46px; height: auto; background: #fff; padding: 5px; border-radius: 9px; }
.p-badge { align-self: flex-start; background: #2563EB; font-size: 10px; font-weight: 700; letter-spacing: .06em; padding: 5px 11px; border-radius: 5px; margin-bottom: 22px; }
.p-title { font-size: 36px; font-weight: 700; line-height: 1.05; letter-spacing: -0.02em; margin-bottom: 10px; color: #fff; }
.p-sub { font-size: 14px; color: #94A3B8; margin-bottom: 26px; font-weight: 500; }
.p-points { display: grid; gap: 12px; }
.p-points li { display: flex; align-items: center; gap: 12px; font-size: 14px; font-weight: 600; }
.p-points svg { flex: none; }
.p-bottom { height: 110px; background: #fff; padding: 0 28px; display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.p-k { font-size: 10px; letter-spacing: .04em; text-transform: uppercase; font-weight: 700; color: #94A3B8; margin-bottom: 4px; }
.p-name { font-size: 20px; font-weight: 700; line-height: 1.1; color: #0F172A; }
.p-phone { font-size: 14px; font-weight: 700; color: #2563EB; margin-top: 4px; }
.p-call { flex: none; width: 46px; height: 46px; border-radius: 50%; background: #0F172A; display: grid; place-items: center; }

.a-card { width: 500px; height: 300px; background: #0F172A; border-top: 4px solid #3B82F6; padding: 30px 32px; display: flex; flex-direction: column; justify-content: space-between; color: #fff; }
.c-head { display: flex; justify-content: space-between; align-items: flex-start; }
.c-logo { display: inline-block; background: #fff; padding: 5px; border-radius: 9px; margin-bottom: 14px; }
.c-logo img { width: 38px; height: auto; display: block; }
.c-name { font-size: 24px; font-weight: 700; letter-spacing: .01em; color: #fff; }
.c-role { font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: #60A5FA; margin-top: 2px; }
.c-qr { background: #fff; padding: 8px; border-radius: 10px; display: block; }
.c-qr img { width: 64px; height: 64px; display: block; }
.c-list { display: grid; gap: 9px; font-size: 14px; color: #CBD5E1; font-weight: 500; }
.c-list li { display: flex; align-items: center; gap: 12px; }

.a-id { width: 300px; height: 480px; background: #fff; display: flex; flex-direction: column; align-items: center; text-align: center; }
.i-head { width: 100%; height: 92px; background: #0F172A; display: grid; place-items: center; flex: none; }
.i-head img { height: 54px; width: auto; background: #fff; padding: 5px; border-radius: 9px; }
.i-bar { width: 100%; height: 8px; background: #3B82F6; flex: none; }
.i-photo { width: 112px; height: 112px; margin: 20px auto 12px; border-radius: 50%; background: #F1F5F9; border: 4px solid #fff; box-shadow: 0 6px 18px rgba(15,23,42,.18); display: grid; place-items: center; overflow: hidden; flex: none; }
.i-photo img { width: 100%; height: 100%; object-fit: cover; }
.i-name { font-size: 22px; font-weight: 700; color: #0F172A; padding: 0 16px; line-height: 1.15; }
.i-role { font-size: 13px; font-weight: 700; color: #2563EB; text-transform: uppercase; letter-spacing: .06em; margin: 3px 0 14px; }
.i-meta { width: 100%; padding: 0 28px; display: grid; gap: 8px; text-align: left; }
.i-meta > div { background: #F8FAFC; padding: 8px 14px; border-radius: 10px; }
.i-k { font-size: 10px; text-transform: uppercase; font-weight: 700; color: #94A3B8; letter-spacing: .04em; }
.i-v { font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-weight: 700; color: #1E293B; font-size: 15px; }
.i-foot { width: 24px; height: auto; margin: auto 0 16px; padding-top: 8px; }

/* testimonials */
.trust-title { text-align: center; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-3); margin-bottom: 32px; }
.quotes { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); }
.quotes-track { display: flex; gap: 16px; width: max-content; padding: 6px 8px 24px; animation: scroll 60s linear infinite; will-change: transform; }
.quote { flex: none; width: 310px; background: var(--pane-solid); border-radius: 26px; padding: 26px; box-shadow: var(--pane-shadow); }
.stars { display: flex; gap: 2px; margin-bottom: 14px; color: var(--hair); }
.stars .ic { width: 16px; height: 16px; fill: currentColor; stroke: none; }
.stars .on { color: #F0B429; }
.q-text { font-size: 17px; font-weight: 600; line-height: 1.45; margin-bottom: 20px; }
.q-who { display: flex; flex-direction: column; gap: 1px; font-size: 14px; }
.q-who span { font-size: 12px; color: var(--ink-3); text-transform: uppercase; letter-spacing: .06em; }

/* closing call */
.cta { text-align: center; padding: 24px 0 8px; }
.cta h2 { font-size: clamp(26px, 3.4vw, 38px); }
.cta .hero-cta { margin-top: 28px; }

/* footer */
.foot { padding: 44px 0 52px; text-align: center; background: linear-gradient(180deg, transparent, rgba(30,60,130,.06)); }
.foot-in { display: flex; flex-direction: column; align-items: center; gap: 16px; }
.foot-logo { height: 52px; }
.copy { font-size: 14px; color: var(--ink-3); }
.foot-links { display: flex; gap: 28px; font-size: 14px; font-weight: 600; color: var(--ink-2); }
.foot-links a:hover { color: var(--accent-text); }

/* modal */
.modal { position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 20px; background: rgba(4,8,22,.6); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px); animation: fade .2s ease; }
.modal.closing { animation: fadeOut .18s ease forwards; }
.modal.closing .modal-card { animation: popOut .18s ease forwards; }
.modal-card { animation: pop .3s cubic-bezier(.2,.9,.3,1.1); width: min(380px, 100%); background: #fff; color: #0F172A; border-radius: 28px; padding: 36px 32px 28px; text-align: center; box-shadow: 0 30px 80px rgba(0,0,0,.45); }
.modal-ic { display: grid; place-items: center; width: 64px; height: 64px; margin: 0 auto 20px; border-radius: 50%; background: #E6EEFD; color: #2563EB; }
.modal-ic .ic { width: 28px; height: 28px; }
.modal-card h3 { font-size: 24px; margin-bottom: 6px; }
.modal-card p { color: #64748B; margin-bottom: 26px; }
.modal-card .btn-ink { background: #0F172A; color: #fff; padding: 16px; }
.cancel { margin-top: 12px; background: none; border: 0; padding: 8px 12px; color: #64748B; font-weight: 600; font-size: 14px; }
.cancel:hover { color: #0F172A; }
@keyframes fade { from { opacity: 0; } }
@keyframes fadeOut { to { opacity: 0; } }
@keyframes pop { from { opacity: 0; transform: translateY(10px) scale(.96); } }
@keyframes popOut { to { opacity: 0; transform: translateY(6px) scale(.97); } }

/* ---------- responsive ---------- */
@media (max-width: 1100px) {
  .hero { padding-bottom: 72px; }
  .chips { position: static; display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; max-width: 520px; margin: 48px auto 0; pointer-events: auto; }
  .chip { position: relative; inset: auto; width: auto; }
}
@media (max-width: 980px) {
  .flow { grid-template-columns: 1fr; }
  .flow-card { min-height: 0; }
  .tiles { grid-template-columns: repeat(2, 1fr); }
  .studio { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .nav { height: 58px; top: 10px; width: calc(100% - 20px); }
  .nav-links, .btn-wa { display: none; }
  .menu-btn { display: grid; }
  .menu { display: flex; top: 78px; left: 10px; right: 10px; }
  .fab { display: inline-flex; }
  .brand img { height: 38px; }
  .hero { padding-top: 128px; }
  .rate-panel, .emi { grid-template-columns: 1fr; }
  .rate-action { text-align: left; }
  .rate-action .btn { width: 100%; }
  .ticker { height: 52px; }
  .stage { min-height: 0; padding: 20px 16px; }
  .sec-last { padding-bottom: 110px; }
}
@media (max-width: 480px) {
  .tiles { grid-template-columns: 1fr; }
  .f-row { grid-template-columns: 1fr; }
  .hero-cta .btn { width: 100%; }
  .chip-v { font-size: 26px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .ticker-track, .quotes-track, .dot, .chip { animation: none; }
  .ticker-viewport, .quotes { overflow-x: auto; }
  .glass, .btn { transition: none; }
}

/* Marketing Studio gate + signed-in bar */
.gate { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 14px; padding-block: clamp(40px, 7vw, 72px); }
.gate .chip-ic { width: 52px; height: 52px; border-radius: 18px; margin-bottom: 4px; }
.gate .chip-ic .ic { width: 24px; height: 24px; }
.gate-sub { max-width: 440px; color: var(--ink-2); }
.gate-btn { min-height: 44px; margin-top: 10px; display: flex; justify-content: center; color-scheme: light; }   /* Google's button frame is a light-scheme page: matching it keeps the frame transparent in dark mode */
.gate-note { min-height: 1.5em; font-size: 14px; color: var(--ink-3); max-width: 420px; }
.user-bar { display: flex; align-items: center; gap: 12px; padding: 10px 12px; border-radius: 16px; background: var(--field); }
.user-pic { width: 36px; height: 36px; border-radius: 50%; object-fit: cover; flex: none; }
.user-text { display: flex; flex-direction: column; min-width: 0; flex: 1; line-height: 1.25; }
.user-k { font-size: 12px; color: var(--ink-3); }
.user-text strong { font-size: 15px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.user-out { flex: none; border: 0; background: transparent; color: var(--accent-text); font-weight: 600; font-size: 14px; padding: 8px 12px; border-radius: 999px; transition: background-color .2s; }
.user-out:hover { background: var(--accent-soft); }
html.minimal .chip { animation: none; }