:root{
  --ink:#2b2f33;--ink-dark:#15181b;--muted:#6b7280;
  --primary:#387ed1;--primary-d:#2d6ab8;--primary-l:#e8f0fe;
  --bg:#f5f7fa;--white:#fff;--border:#e2e6ea;
  --cost:#d6232f;--cost-bg:#fdecec;
  --save:#08b25a;--save-bg:#e7f9ef;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden}
.wrap{max-width:760px;margin:0 auto;padding:0 16px}
a{color:var(--primary-d)}

/* Header + nav */
.header{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50}
.header .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:12px;padding-bottom:12px;gap:10px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.3rem;color:var(--ink-dark);text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--primary)}
.nav{display:flex;gap:2px;flex-wrap:wrap}
.nav a{font-size:.82rem;font-weight:600;color:var(--muted);text-decoration:none;padding:6px 9px;border-radius:6px}
.nav a:hover,.nav a[aria-current="page"]{color:var(--primary-d);background:var(--primary-l)}

/* Ad slots */
.ad{max-width:760px;margin:16px auto;padding:0 16px}
.ad-box{background:#f4f5f7;border:1px solid #e6e9ed;border-radius:8px;display:flex;align-items:center;justify-content:center;color:#aab1b9;font-family:Arial,Helvetica,sans-serif;font-size:.66rem;font-weight:400;letter-spacing:.18em;text-transform:uppercase}
.ad-top .ad-box,.ad-mid .ad-box{min-height:90px}
.ad-foot .ad-box{min-height:250px}

/* Hero / intro */
.hero{padding:26px 0 6px}
.hero h1{font-size:clamp(1.5rem,4.6vw,2.1rem);font-weight:800;line-height:1.2;color:var(--ink-dark);letter-spacing:-.02em}
.hero p{margin-top:8px;color:var(--muted);font-size:1rem;max-width:560px}
.intro{padding:14px 0 2px;color:var(--ink);font-size:1rem}
.intro p{margin-bottom:8px}

/* Tabs */
.tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:18px 0}
.tab{background:var(--white);border:2px solid var(--border);border-radius:12px;padding:14px 6px;font:inherit;font-weight:700;font-size:1rem;color:var(--ink);cursor:pointer;display:flex;flex-direction:column;align-items:center;gap:6px;transition:border-color .15s,background .15s,color .15s;min-height:64px;text-decoration:none}
.tab .ico{font-size:1.5rem;line-height:1}
.tab:hover{border-color:var(--primary)}
.tab.active{border-color:var(--primary);background:var(--primary-l);color:var(--primary-d)}

/* Mode toggle (EMI vs Affordability) */
.modes{display:flex;gap:8px;margin:0 0 14px;background:var(--white);border:1px solid var(--border);border-radius:12px;padding:5px}
.modes button{flex:1;font:inherit;font-weight:700;font-size:.92rem;padding:11px 8px;border:none;border-radius:8px;background:transparent;color:var(--muted);cursor:pointer;transition:background .15s,color .15s}
.modes button.active{background:var(--primary);color:#fff}

/* Affordability result banner */
.afford-banner{padding:18px 20px;background:var(--save-bg);border-bottom:1px solid var(--border);text-align:center}
.afford-banner .k{font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.03em;color:var(--save)}
.afford-banner .v{font-size:clamp(1.8rem,7vw,2.6rem);font-weight:800;color:var(--ink-dark);letter-spacing:-.02em;line-height:1.1;margin:3px 0}
.afford-banner .note{font-size:.85rem;color:var(--muted)}

select.sel{font:inherit;font-weight:700;font-size:1rem;color:var(--ink-dark);border:2px solid var(--border);border-radius:10px;padding:8px 10px;background:var(--white);cursor:pointer;outline:none}
select.sel:focus{border-color:var(--primary)}
.conv-out{background:var(--primary-l);border-radius:10px;padding:14px;font-size:1rem;color:var(--ink-dark);line-height:1.5}
.conv-out b{color:var(--cost);font-size:1.15rem}

/* Calculator card */
.card{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:22px}
.field{margin-bottom:22px}
.field:last-child{margin-bottom:0}
.field-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:10px;flex-wrap:wrap}
.field label{font-weight:700;font-size:1rem;color:var(--ink-dark)}
.val-input{display:flex;align-items:center;background:var(--white);border:2px solid var(--border);border-radius:10px;padding:0 12px;transition:border-color .15s}
.val-input:focus-within{border-color:var(--primary)}
.val-input .pre{color:var(--muted);font-weight:700;font-size:1.05rem}
.val-input input{width:100%;border:none;outline:none;font:inherit;font-weight:700;font-size:1.15rem;color:var(--ink-dark);text-align:right;padding:9px 0 9px 4px;background:transparent;-moz-appearance:textfield}
.val-input input::-webkit-outer-spin-button,.val-input input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.val-input.amt{min-width:170px}
.val-input.small{min-width:104px}
.hint{font-size:.85rem;color:var(--muted);margin-top:6px}

input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:8px;border-radius:5px;background:var(--border);outline:none;cursor:pointer;margin-top:4px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:var(--primary);border:3px solid #fff;box-shadow:0 1px 5px rgba(0,0,0,.25);cursor:pointer}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:var(--primary);border:3px solid #fff;box-shadow:0 1px 5px rgba(0,0,0,.25);cursor:pointer}

.unit{display:inline-flex;border:2px solid var(--border);border-radius:9px;overflow:hidden}
.unit button{font:inherit;font-weight:700;font-size:.85rem;padding:6px 12px;background:var(--white);border:none;color:var(--muted);cursor:pointer}
.unit button.active{background:var(--primary);color:#fff}

/* Result panel */
.result{margin-top:18px;background:var(--white);border:1px solid var(--border);border-radius:16px;overflow:hidden}
.emi-hero{padding:24px 22px;text-align:center;border-bottom:1px solid var(--border);background:linear-gradient(180deg,#fbfcfe,#fff)}
.emi-hero .lbl{font-size:.9rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.emi-hero .big{font-size:clamp(2.4rem,9vw,3.4rem);font-weight:800;color:var(--ink-dark);letter-spacing:-.03em;line-height:1.05;margin:4px 0}
.emi-hero .sub{font-size:.92rem;color:var(--muted)}

.aha{display:grid;grid-template-columns:1fr 1fr;gap:0}
.aha-cell{padding:18px 20px}
.aha-cell.cost{background:var(--cost-bg);border-right:1px solid var(--border)}
.aha-cell.save{background:var(--save-bg)}
.aha-cell .k{font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.03em}
.aha-cell.cost .k{color:var(--cost)}
.aha-cell.save .k{color:var(--save)}
.aha-cell .v{font-size:clamp(1.3rem,5.5vw,1.8rem);font-weight:800;letter-spacing:-.02em;margin-top:4px}
.aha-cell.cost .v{color:var(--cost)}
.aha-cell.save .v{color:var(--save)}
.aha-cell .note{font-size:.8rem;color:var(--muted);margin-top:3px}

.viz{display:flex;gap:22px;align-items:center;padding:22px 20px;border-top:1px solid var(--border);flex-wrap:wrap}
.donut{position:relative;width:150px;height:150px;flex-shrink:0;margin:0 auto}
.donut svg{transform:rotate(-90deg)}
.donut circle{transition:stroke-dashoffset .25s ease}
.donut .center{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.donut .center b{font-size:1.5rem;font-weight:800;color:var(--cost);line-height:1}
.donut .center small{font-size:.7rem;color:var(--muted);margin-top:2px}
.chips{flex:1;min-width:220px;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.chip{border:1px solid var(--border);border-radius:10px;padding:10px 12px}
.chip .ck{font-size:.74rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.03em}
.chip .cv{font-size:1.15rem;font-weight:800;color:var(--ink-dark);margin-top:2px}
.dot{display:inline-block;width:9px;height:9px;border-radius:2px;margin-right:5px;vertical-align:middle}

/* Rate-stress line */
.stress{padding:12px 20px;border-top:1px solid var(--border);font-size:.88rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center}
.stress b{color:var(--ink-dark)}
.stress .up{color:var(--cost);font-weight:700}

/* Prepay + share */
.prepay{padding:18px 20px;border-top:1px solid var(--border)}
.prepay .field-top{margin-bottom:8px}
.share-row{padding:16px 20px 20px;display:flex;gap:10px;flex-wrap:wrap;border-top:1px solid var(--border)}
.btn{font:inherit;font-weight:700;font-size:.95rem;border-radius:10px;padding:12px 18px;cursor:pointer;border:2px solid transparent;display:inline-flex;align-items:center;gap:8px}
.btn-wa{background:#25d366;color:#073d1c;border-color:#25d366}
.btn-wa:hover{background:#1fb959}
.btn-ghost{background:var(--white);color:var(--primary-d);border-color:var(--border)}
.btn-ghost:hover{border-color:var(--primary)}

/* Advanced disclosure (true cost, schedule) */
details.adv{border-top:1px solid var(--border)}
details.adv>summary{padding:15px 20px;font-weight:700;color:var(--ink-dark);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:10px}
details.adv>summary::-webkit-details-marker{display:none}
details.adv>summary::after{content:"+";color:var(--primary);font-size:1.3rem;line-height:1}
details.adv[open]>summary::after{content:"\2013"}
.adv-body{padding:4px 20px 20px}
.adv-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.adv-grid .field{margin:0}
.truecost{background:var(--bg);border:1px solid var(--border);border-radius:10px;padding:14px}
.truecost .tc-row{display:flex;justify-content:space-between;padding:5px 0;font-size:.92rem;color:var(--muted)}
.truecost .tc-row.total{border-top:1px solid var(--border);margin-top:6px;padding-top:10px;font-weight:800;color:var(--ink-dark);font-size:1.05rem}
.truecost .tc-row b{color:var(--ink-dark)}

table.sched{width:100%;border-collapse:collapse;font-size:.85rem;margin-top:4px}
table.sched th{text-align:right;font-size:.7rem;text-transform:uppercase;letter-spacing:.03em;color:var(--muted);padding:8px 8px;border-bottom:2px solid var(--border)}
table.sched th:first-child{text-align:left}
table.sched td{text-align:right;padding:7px 8px;border-bottom:1px solid var(--border);color:var(--ink)}
table.sched td:first-child{text-align:left;font-weight:700;color:var(--ink-dark)}
.sched-wrap{overflow-x:auto}

/* SEO content */
.seo{padding:34px 0 10px}
.seo h2{font-size:1.25rem;font-weight:800;color:var(--ink-dark);margin:26px 0 8px;padding-bottom:6px;border-bottom:2px solid var(--primary-l)}
.seo h2:first-child{margin-top:0}
.seo p{margin-bottom:10px;color:var(--ink)}
.seo ol,.seo ul{padding-left:22px;margin:6px 0 12px}
.seo li{margin-bottom:5px}
.formula{background:var(--primary-l);border-left:4px solid var(--primary);border-radius:0 10px 10px 0;padding:14px 16px;margin:10px 0 14px;font-size:.98rem}
.formula b{display:block;font-size:1.05rem;margin-bottom:8px;color:var(--ink-dark)}
.faq{margin-top:10px;display:flex;flex-direction:column;gap:8px}
details.q{border:1px solid var(--border);border-radius:10px;background:var(--white);overflow:hidden}
details.q summary{padding:14px 16px;font-weight:700;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:10px;color:var(--ink-dark)}
details.q summary::-webkit-details-marker{display:none}
details.q summary::after{content:"+";color:var(--primary);font-size:1.3rem;line-height:1}
details.q[open] summary::after{content:"\2013"}
details.q p{padding:0 16px 14px;margin:0;color:var(--ink)}

/* Embed */
.embed{margin:26px 0;background:var(--white);border:1px solid var(--border);border-radius:16px;padding:22px}
.embed h2{font-size:1.2rem;font-weight:800;color:var(--ink-dark);margin-bottom:6px}
.embed p{color:var(--muted);font-size:.92rem;margin-bottom:12px}
.embed code{display:block;background:#0f172a;color:#cbd5e1;border-radius:10px;padding:14px;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:.78rem;line-height:1.5;white-space:pre-wrap;word-break:break-all;margin-bottom:12px}

/* Static content pages (about/contact/privacy) */
.page{padding:26px 0 10px;max-width:680px}
.page h1{font-size:1.8rem;font-weight:800;color:var(--ink-dark);margin-bottom:14px;letter-spacing:-.02em}
.page h2{font-size:1.15rem;font-weight:800;color:var(--ink-dark);margin:22px 0 8px}
.page p{margin-bottom:10px}
.page ul{padding-left:22px;margin:6px 0 12px}
.page li{margin-bottom:5px}

footer{padding:24px 0 40px;color:var(--muted);font-size:.85rem;line-height:1.7;border-top:1px solid var(--border)}
footer .foot-links{margin-bottom:8px;display:flex;gap:14px;flex-wrap:wrap}
footer .foot-links a{font-weight:600;text-decoration:none}
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%) translateY(20px);background:var(--ink-dark);color:#fff;padding:11px 20px;border-radius:10px;font-weight:600;font-size:.9rem;opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;z-index:200}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.noscript{max-width:520px;margin:60px auto;padding:24px;text-align:center;color:var(--muted)}

/* Contextual help tooltips (hover on desktop, tap on mobile) */
.help{display:inline-flex;align-items:center;justify-content:center;width:17px;height:17px;border-radius:50%;background:var(--border);color:var(--muted);font-size:.7rem;font-weight:700;font-style:normal;cursor:help;margin-left:6px;position:relative;flex-shrink:0;vertical-align:middle;-webkit-user-select:none;user-select:none}
.help:hover,.help:focus-visible,.help.on{background:var(--primary);color:#fff;outline:none}
.help::after{content:attr(data-tip);position:absolute;bottom:150%;left:50%;transform:translateX(-50%);background:var(--ink-dark);color:#fff;font-weight:500;font-size:.8rem;line-height:1.5;letter-spacing:normal;text-transform:none;text-align:left;width:240px;max-width:74vw;padding:10px 12px;border-radius:9px;box-shadow:0 6px 22px rgba(0,0,0,.2);opacity:0;visibility:hidden;transition:opacity .15s;z-index:130;pointer-events:none}
.help::before{content:"";position:absolute;bottom:150%;left:50%;transform:translate(-50%,100%);border:6px solid transparent;border-top-color:var(--ink-dark);opacity:0;visibility:hidden;transition:opacity .15s;z-index:130;pointer-events:none}
.help:hover::after,.help:focus::after,.help.on::after,.help:hover::before,.help:focus::before,.help.on::before{opacity:1;visibility:visible}

@media(max-width:560px){
  .aha{grid-template-columns:1fr}
  .aha-cell.cost{border-right:none;border-bottom:1px solid var(--border)}
  .adv-grid{grid-template-columns:1fr}
}

/* Embedded (iframe) mode — strip everything heavy */
body.embedded .ad,body.embedded .seo,body.embedded .embed,body.embedded footer,body.embedded .hero p,body.embedded .intro,body.embedded .nav,body.embedded details.adv,body.embedded .stress{display:none!important}
body.embedded .hero{padding:14px 0 2px}
body.embedded .powered{display:block}
.powered{display:none;text-align:center;font-size:.8rem;padding:10px 0 4px}
.powered a{color:var(--primary-d);font-weight:700;text-decoration:none}