/* ============================================================
   RIN MITRA - COMPLETE STYLESHEET
   Light theme, mobile-first, professional Indian finance site
   ============================================================ */

/* ---- VARIABLES ---- */
:root {
  --primary:       #1A3A5C;
  --primary-light: #2563EB;
  --primary-pale:  #EEF4FF;
  --secondary:     #16A34A;
  --sec-pale:      #F0FDF4;
  --accent:        #EA580C;
  --acc-pale:      #FFF7ED;
  --gold:          #D97706;
  --gold-pale:     #FFFBEB;
  --purple:        #7C3AED;
  --pur-pale:      #F5F3FF;
  --teal:          #0F766E;
  --teal-pale:     #F0FDFA;
  --red:           #DC2626;
  --red-pale:      #FEF2F2;
  --bg:            #F5F7FA;
  --white:         #FFFFFF;
  --text:          #1E293B;
  --text-muted:    #64748B;
  --text-light:    #94A3B8;
  --border:        #E2E8F0;
  --border-focus:  #2563EB;
  --shadow-sm:     0 1px 3px rgba(0,0,0,.08);
  --shadow:        0 4px 12px rgba(0,0,0,.08);
  --shadow-lg:     0 8px 32px rgba(0,0,0,.12);
  --radius-sm:     6px;
  --radius:        10px;
  --radius-lg:     16px;
  --transition:    0.2s ease;
  --header-h:      64px;
  --container:     1200px;
}

/* ---- RESET ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--primary-light); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--primary); }
ul, ol { list-style: none; }
input, select, textarea, button { font-family: inherit; font-size: 1rem; }
table { border-collapse: collapse; width: 100%; }
button { cursor: pointer; border: none; background: none; }

/* ---- TYPOGRAPHY ---- */
h1 { font-size: 2.25rem; font-weight: 700; line-height: 1.2; }
h2 { font-size: 1.75rem; font-weight: 700; line-height: 1.3; }
h3 { font-size: 1.375rem; font-weight: 600; line-height: 1.4; }
h4 { font-size: 1.125rem; font-weight: 600; }
h5 { font-size: 1rem;     font-weight: 600; }
p  { margin-bottom: .75rem; }
p:last-child { margin-bottom: 0; }

@media (max-width: 768px) {
  h1 { font-size: 1.6rem; }
  h2 { font-size: 1.375rem; }
  h3 { font-size: 1.125rem; }
}

/* ---- LAYOUT ---- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.section { padding: 64px 0; }
.section-sm { padding: 40px 0; }
.section-title { text-align: center; margin-bottom: 48px; }
.section-title h2 { color: var(--primary); margin-bottom: 12px; }
.section-title p { color: var(--text-muted); font-size: 1.05rem; max-width: 600px; margin: 0 auto; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grid-8 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }

@media (max-width: 1024px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } .grid-8 { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 768px) { .grid-2, .grid-3 { grid-template-columns: 1fr; } .grid-4 { grid-template-columns: 1fr 1fr; } .grid-8 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .grid-4 { grid-template-columns: 1fr; } .grid-8 { grid-template-columns: repeat(2, 1fr); } }

/* ---- HEADER ---- */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  height: var(--header-h);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: var(--header-h); }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon {
  width: 38px; height: 38px; border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex; align-items: center; justify-content: center;
  color: white; font-weight: 800; font-size: 1rem; letter-spacing: -0.5px;
}
.logo-text { font-weight: 700; font-size: 1.3rem; color: var(--primary); }
.logo-text span { color: var(--secondary); }

.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 4px;
  padding: 8px 14px; border-radius: var(--radius-sm);
  font-weight: 500; font-size: 0.9rem; color: var(--text);
  transition: all var(--transition);
}
.nav-link:hover { background: var(--primary-pale); color: var(--primary); }
.nav-link.active { color: var(--primary); }
.nav-link svg { width: 14px; height: 14px; }

.nav-dropdown {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  min-width: 220px; padding: 8px; z-index: 100;
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: all var(--transition);
}
.nav-item:hover .nav-dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-link {
  display: block; padding: 8px 12px; border-radius: var(--radius-sm);
  font-size: 0.875rem; color: var(--text); transition: all var(--transition);
}
.dropdown-link:hover { background: var(--primary-pale); color: var(--primary); }

.header-cta {
  background: var(--primary); color: white;
  padding: 8px 18px; border-radius: var(--radius-sm);
  font-weight: 600; font-size: 0.875rem;
  transition: background var(--transition);
}
.header-cta:hover { background: var(--primary-light); color: white; }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  width: 32px; height: 32px; justify-content: center; cursor: pointer;
}
.hamburger span { display: block; height: 2px; background: var(--text); border-radius: 2px; transition: all var(--transition); }

.mobile-nav {
  display: none; position: fixed; top: var(--header-h); left: 0; right: 0; bottom: 0;
  background: var(--white); overflow-y: auto; z-index: 999;
  padding: 16px 20px; flex-direction: column; gap: 4px;
}
.mobile-nav.open { display: flex; }
.mobile-nav-link { padding: 12px 16px; border-radius: var(--radius-sm); font-weight: 500; color: var(--text); display: block; }
.mobile-nav-link:hover { background: var(--primary-pale); color: var(--primary); }
.mobile-nav-section { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--text-light); font-weight: 600; padding: 12px 16px 4px; }

@media (max-width: 768px) { .main-nav, .header-cta { display: none; } .hamburger { display: flex; } }

/* ---- BREADCRUMB ---- */
.breadcrumb {
  background: var(--white); border-bottom: 1px solid var(--border);
  padding: 12px 0;
}
.breadcrumb-list { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; font-size: 0.85rem; }
.breadcrumb-list li { display: flex; align-items: center; gap: 8px; color: var(--text-muted); }
.breadcrumb-list a { color: var(--text-muted); }
.breadcrumb-list a:hover { color: var(--primary); }
.breadcrumb-list li:last-child { color: var(--text); font-weight: 500; }
.breadcrumb-list .sep { color: var(--text-light); }

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, #0F2640 0%, #1A3A5C 50%, #1E4D8C 100%);
  color: white; padding: 72px 0 80px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' xmlns='http://www.w3.org/2000/svg'%3E%3Ccircle cx='30' cy='30' r='1' fill='%23ffffff08'/%3E%3C/svg%3E");
}
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; position: relative; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  border-radius: 20px; padding: 6px 14px; font-size: 0.8rem; font-weight: 500;
  margin-bottom: 20px; color: rgba(255,255,255,.9);
}
.hero h1 { font-size: 2.5rem; line-height: 1.15; margin-bottom: 16px; }
.hero h1 span { color: #4ADE80; }
.hero p { font-size: 1.05rem; color: rgba(255,255,255,.8); margin-bottom: 28px; max-width: 480px; }
.hero-features { display: flex; flex-direction: column; gap: 10px; margin-bottom: 32px; }
.hero-feature { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; color: rgba(255,255,255,.85); }
.hero-feature-dot { width: 8px; height: 8px; background: #4ADE80; border-radius: 50%; flex-shrink: 0; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-hero-primary {
  background: var(--secondary); color: white; padding: 14px 28px;
  border-radius: var(--radius); font-weight: 700; font-size: 1rem;
  transition: all var(--transition);
}
.btn-hero-primary:hover { background: #15803D; color: white; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(22,163,74,.4); }
.btn-hero-secondary {
  background: rgba(255,255,255,.1); color: white; padding: 14px 28px;
  border-radius: var(--radius); font-weight: 600; font-size: 1rem;
  border: 1px solid rgba(255,255,255,.25); transition: all var(--transition);
}
.btn-hero-secondary:hover { background: rgba(255,255,255,.2); color: white; }

.hero-stats { display: flex; gap: 32px; margin-top: 36px; padding-top: 32px; border-top: 1px solid rgba(255,255,255,.15); }
.hero-stat-num { font-size: 1.5rem; font-weight: 700; }
.hero-stat-lbl { font-size: 0.8rem; color: rgba(255,255,255,.65); }

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero { padding: 48px 0 56px; }
  .hero h1 { font-size: 1.75rem; }
}

/* ---- HERO CALCULATOR (mini widget) ---- */
.hero-calc {
  background: white; border-radius: var(--radius-lg);
  padding: 28px; box-shadow: var(--shadow-lg);
  color: var(--text);
}
.hero-calc h3 { color: var(--primary); margin-bottom: 20px; font-size: 1.1rem; }
.mini-calc-result {
  background: var(--primary-pale); border-radius: var(--radius); padding: 16px 20px;
  margin-top: 16px; text-align: center; border: 2px solid var(--primary-light);
}
.emi-amount { font-size: 2rem; font-weight: 800; color: var(--primary); }
.emi-label { font-size: 0.8rem; color: var(--text-muted); }
.emi-breakdown { display: flex; gap: 16px; justify-content: center; margin-top: 10px; font-size: 0.8rem; color: var(--text-muted); }
.emi-breakdown strong { color: var(--text); }

/* ---- CARDS ---- */
.card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--border); box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card-body { padding: 24px; }
.card-sm .card-body { padding: 16px; }

/* ---- TOOL CARDS (Homepage grid) ---- */
.tool-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--border); padding: 24px 20px;
  text-align: center; transition: all var(--transition);
  display: flex; flex-direction: column; align-items: center; gap: 12px;
  text-decoration: none; color: var(--text);
}
.tool-card:hover {
  border-color: var(--primary-light); color: var(--text);
  box-shadow: var(--shadow); transform: translateY(-3px);
}
.tool-icon {
  width: 52px; height: 52px; border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center; font-size: 1.4rem;
}
.tool-icon.blue   { background: var(--primary-pale); }
.tool-icon.green  { background: var(--sec-pale); }
.tool-icon.purple { background: var(--pur-pale); }
.tool-icon.orange { background: var(--acc-pale); }
.tool-icon.amber  { background: var(--gold-pale); }
.tool-icon.teal   { background: var(--teal-pale); }
.tool-icon.red    { background: var(--red-pale); }
.tool-icon.indigo { background: #EEF2FF; }
.tool-card h4 { font-size: 0.95rem; font-weight: 600; line-height: 1.3; }
.tool-card p { font-size: 0.8rem; color: var(--text-muted); }

/* ---- CALCULATOR PAGE ---- */
.calc-page { padding: 40px 0 64px; }
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: start; }
.calc-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--border); padding: 32px;
  position: sticky; top: 80px;
}
.calc-card h2 { font-size: 1.25rem; color: var(--primary); margin-bottom: 24px; }

.form-group { margin-bottom: 20px; }
.form-label { display: flex; justify-content: space-between; align-items: center; font-weight: 600; font-size: 0.9rem; margin-bottom: 8px; color: var(--text); }
.form-label span { font-weight: 700; color: var(--primary); font-size: 1rem; }

.range-wrap { position: relative; }
input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 3px;
  background: var(--border); outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--primary-light); cursor: pointer;
  box-shadow: 0 0 0 4px rgba(37,99,235,.15);
  border: 2px solid white; transition: all var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover { background: var(--primary); box-shadow: 0 0 0 6px rgba(37,99,235,.2); }
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--primary-light); cursor: pointer; border: 2px solid white;
}

.range-labels { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--text-light); margin-top: 4px; }

input[type="number"] {
  width: 100%; padding: 10px 14px; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); font-size: 0.95rem; color: var(--text);
  transition: border-color var(--transition); background: var(--white);
}
input[type="number"]:focus { outline: none; border-color: var(--border-focus); box-shadow: 0 0 0 3px rgba(37,99,235,.1); }
input[type="text"], input[type="email"], textarea, select {
  width: 100%; padding: 10px 14px; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); font-size: 0.95rem; color: var(--text);
  transition: border-color var(--transition); background: var(--white);
}
input[type="text"]:focus, input[type="email"]:focus, textarea:focus, select:focus {
  outline: none; border-color: var(--border-focus); box-shadow: 0 0 0 3px rgba(37,99,235,.1);
}
select { cursor: pointer; }
textarea { resize: vertical; min-height: 100px; }

.tenure-toggle { display: flex; border: 1.5px solid var(--border); border-radius: var(--radius-sm); overflow: hidden; margin-bottom: 8px; }
.tenure-btn { flex: 1; padding: 8px; font-size: 0.85rem; font-weight: 500; text-align: center; cursor: pointer; border: none; background: none; color: var(--text-muted); transition: all var(--transition); }
.tenure-btn.active { background: var(--primary); color: white; }

/* ---- EMI RESULT ---- */
.emi-result {
  background: var(--primary); color: white;
  border-radius: var(--radius-lg); padding: 28px; margin-bottom: 20px;
}
.emi-result-main { text-align: center; padding-bottom: 20px; margin-bottom: 20px; border-bottom: 1px solid rgba(255,255,255,.2); }
.emi-result-label { font-size: 0.85rem; opacity: .8; }
.emi-result-amount { font-size: 2.8rem; font-weight: 800; line-height: 1.1; }
.emi-result-sub { font-size: 0.8rem; opacity: .7; margin-top: 4px; }
.emi-breakdown-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,.1); font-size: 0.9rem; }
.emi-breakdown-row:last-child { border-bottom: none; }
.emi-breakdown-row .val { font-weight: 700; }

/* ---- PIE CHART ---- */
.pie-wrap { display: flex; align-items: center; gap: 24px; background: var(--bg); border-radius: var(--radius); padding: 20px; }
.pie-chart-svg { flex-shrink: 0; }
.pie-legend { display: flex; flex-direction: column; gap: 10px; font-size: 0.85rem; }
.pie-legend-item { display: flex; align-items: center; gap: 8px; }
.pie-dot { width: 12px; height: 12px; border-radius: 50%; flex-shrink: 0; }

/* ---- AMORTIZATION TABLE ---- */
.amort-toggle { width: 100%; padding: 12px; background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius-sm); font-weight: 600; font-size: 0.9rem; color: var(--primary); cursor: pointer; text-align: center; transition: all var(--transition); }
.amort-toggle:hover { background: var(--primary-pale); }
.amort-table-wrap { margin-top: 12px; overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--border); }
.amort-table { font-size: 0.82rem; }
.amort-table th { background: var(--primary); color: white; padding: 10px 12px; text-align: right; font-weight: 600; white-space: nowrap; }
.amort-table th:first-child { text-align: left; }
.amort-table td { padding: 8px 12px; text-align: right; border-bottom: 1px solid var(--border); }
.amort-table td:first-child { text-align: left; font-weight: 600; }
.amort-table tr:nth-child(even) td { background: var(--bg); }
.amort-table tr:hover td { background: var(--primary-pale); }

/* ---- CALC INFO (right column) ---- */
.calc-info { display: flex; flex-direction: column; gap: 24px; }
.info-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 24px; }
.info-card h3 { color: var(--primary); margin-bottom: 16px; font-size: 1.1rem; }
.info-card p, .info-card li { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }
.info-card ul { list-style: disc; padding-left: 20px; display: flex; flex-direction: column; gap: 6px; }

/* ---- FAQ ---- */
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 10px; overflow: hidden; }
.faq-q { padding: 16px 20px; font-weight: 600; font-size: 0.95rem; cursor: pointer; display: flex; justify-content: space-between; align-items: center; background: var(--white); transition: background var(--transition); }
.faq-q:hover { background: var(--primary-pale); }
.faq-q.open { background: var(--primary-pale); color: var(--primary); }
.faq-q::after { content: '+'; font-size: 1.25rem; color: var(--primary); flex-shrink: 0; transition: transform var(--transition); }
.faq-q.open::after { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 20px 16px; font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }
.faq-a p { margin-bottom: 8px; }

@media (max-width: 900px) { .calc-layout { grid-template-columns: 1fr; } .calc-card { position: static; } }

/* ---- LOAN ELIGIBILITY ---- */
.eligibility-result { background: var(--sec-pale); border: 2px solid var(--secondary); border-radius: var(--radius-lg); padding: 24px; text-align: center; }
.eligibility-amount { font-size: 2.5rem; font-weight: 800; color: var(--secondary); }
.elig-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 16px; }
.elig-stat { background: white; border-radius: var(--radius-sm); padding: 12px; text-align: center; }
.elig-stat-num { font-size: 1.25rem; font-weight: 700; color: var(--primary); }
.elig-stat-lbl { font-size: 0.75rem; color: var(--text-muted); }

/* ---- COMPARE TABLE ---- */
.compare-table { border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--border); }
.compare-table th { background: var(--primary); color: white; padding: 14px 16px; font-size: 0.9rem; text-align: left; }
.compare-table td { padding: 14px 16px; border-bottom: 1px solid var(--border); font-size: 0.9rem; vertical-align: middle; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: var(--primary-pale); }
.compare-table .rate { font-weight: 700; color: var(--secondary); font-size: 1.05rem; }
.compare-table .badge-featured { background: var(--acc-pale); color: var(--accent); border-radius: 20px; padding: 2px 8px; font-size: 0.75rem; font-weight: 600; }

/* ---- BANK RATES ---- */
.rates-filter { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 24px; }
.rate-filter-btn { padding: 8px 18px; border-radius: 20px; border: 1.5px solid var(--border); background: white; font-weight: 500; font-size: 0.875rem; cursor: pointer; transition: all var(--transition); }
.rate-filter-btn.active, .rate-filter-btn:hover { background: var(--primary); border-color: var(--primary); color: white; }

/* ---- SCHEMES ---- */
.scheme-card {
  background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border);
  padding: 24px; transition: all var(--transition);
}
.scheme-card:hover { border-color: var(--primary-light); box-shadow: var(--shadow); }
.scheme-badge { display: inline-block; padding: 4px 12px; border-radius: 20px; font-size: 0.75rem; font-weight: 600; margin-bottom: 12px; }
.badge-business  { background: var(--acc-pale); color: var(--accent); }
.badge-housing   { background: var(--primary-pale); color: var(--primary); }
.badge-agriculture { background: var(--sec-pale); color: var(--secondary); }
.badge-women     { background: #FDF2F8; color: #9D174D; }
.badge-general   { background: var(--bg); color: var(--text-muted); }
.badge-education { background: var(--pur-pale); color: var(--purple); }
.badge-emergency { background: var(--red-pale); color: var(--red); }
.scheme-amount { font-size: 1.3rem; font-weight: 700; color: var(--secondary); margin: 8px 0; }
.scheme-rate   { font-size: 0.85rem; color: var(--text-muted); }

/* ---- GOVERNMENT SCHEME FINDER ---- */
.scheme-finder { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 32px; margin-bottom: 40px; }
.scheme-finder h2 { color: var(--primary); margin-bottom: 8px; }
.scheme-finder p { color: var(--text-muted); margin-bottom: 24px; }
.finder-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
@media (max-width: 768px) { .finder-grid { grid-template-columns: 1fr; } }

/* ---- BLOG ---- */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.blog-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); overflow: hidden; transition: all var(--transition); }
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.blog-card-img { height: 180px; background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%); display: flex; align-items: center; justify-content: center; font-size: 3rem; }
.blog-card-body { padding: 20px; }
.blog-meta { font-size: 0.78rem; color: var(--text-light); margin-bottom: 8px; display: flex; align-items: center; gap: 12px; }
.blog-category { background: var(--primary-pale); color: var(--primary); border-radius: 20px; padding: 2px 10px; font-size: 0.75rem; font-weight: 600; }
.blog-card-body h3 { font-size: 1rem; margin-bottom: 8px; line-height: 1.4; }
.blog-card-body h3 a { color: var(--text); }
.blog-card-body h3 a:hover { color: var(--primary); }
.blog-card-body p { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 16px; }
.read-more { font-size: 0.85rem; font-weight: 600; color: var(--primary-light); }
.read-more:hover { color: var(--primary); }

.blog-single { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 40px; }
.blog-single h1 { font-size: 1.9rem; margin-bottom: 16px; }
.blog-single .post-content h2 { font-size: 1.375rem; color: var(--primary); margin: 28px 0 12px; }
.blog-single .post-content h3 { font-size: 1.1rem; margin: 20px 0 10px; }
.blog-single .post-content p { margin-bottom: 16px; line-height: 1.8; }
.blog-single .post-content ul, .blog-single .post-content ol { padding-left: 24px; margin-bottom: 16px; }
.blog-single .post-content li { list-style: disc; margin-bottom: 6px; line-height: 1.7; }
.blog-single .post-content ol li { list-style: decimal; }
.blog-single .post-content table { margin: 20px 0; border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.blog-single .post-content th { background: var(--primary); color: white; padding: 10px 14px; text-align: left; }
.blog-single .post-content td { padding: 10px 14px; border-bottom: 1px solid var(--border); }
.blog-single .post-content a { text-decoration: underline; }
.blog-single .post-content strong { font-weight: 700; }
@media (max-width: 768px) { .blog-grid { grid-template-columns: 1fr; } .blog-single { padding: 24px; } }

/* ---- SIDEBAR ---- */
.blog-layout { display: grid; grid-template-columns: 1fr 320px; gap: 32px; align-items: start; }
.sidebar-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 20px; margin-bottom: 20px; }
.sidebar-card h4 { color: var(--primary); margin-bottom: 14px; font-size: 1rem; }
.sidebar-link { display: flex; align-items: center; gap: 8px; padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 0.875rem; color: var(--text); transition: color var(--transition); }
.sidebar-link:last-child { border-bottom: none; }
.sidebar-link:hover { color: var(--primary); }
@media (max-width: 1024px) { .blog-layout { grid-template-columns: 1fr; } }

/* ---- BUTTONS ---- */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 24px; border-radius: var(--radius-sm); font-weight: 600; font-size: 0.95rem; transition: all var(--transition); cursor: pointer; border: none; }
.btn-primary { background: var(--primary); color: white; }
.btn-primary:hover { background: var(--primary-light); color: white; }
.btn-secondary { background: var(--secondary); color: white; }
.btn-secondary:hover { background: #15803D; color: white; }
.btn-outline { background: none; color: var(--primary); border: 1.5px solid var(--primary); }
.btn-outline:hover { background: var(--primary); color: white; }
.btn-accent { background: var(--accent); color: white; }
.btn-accent:hover { background: #C2410C; color: white; }
.btn-sm { padding: 8px 16px; font-size: 0.85rem; }
.btn-lg { padding: 16px 32px; font-size: 1.05rem; }
.btn-full { width: 100%; justify-content: center; }

/* ---- STATS BAR ---- */
.stats-bar { background: var(--primary); color: white; padding: 40px 0; }
.stats-bar-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; text-align: center; }
.stat-num { font-size: 2.25rem; font-weight: 800; color: #4ADE80; }
.stat-lbl { font-size: 0.85rem; color: rgba(255,255,255,.75); margin-top: 4px; }
@media (max-width: 768px) { .stats-bar-inner { grid-template-columns: repeat(2, 1fr); gap: 24px; } .stat-num { font-size: 1.75rem; } }

/* ---- WHY US ---- */
.why-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 28px; }
.why-icon { width: 48px; height: 48px; border-radius: var(--radius); margin-bottom: 16px; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; }
.why-card h4 { margin-bottom: 8px; }
.why-card p { font-size: 0.875rem; color: var(--text-muted); }

/* ---- CTA BANNER ---- */
.cta-banner { background: linear-gradient(135deg, var(--secondary) 0%, #15803D 100%); color: white; border-radius: var(--radius-lg); padding: 48px 40px; text-align: center; }
.cta-banner h2 { margin-bottom: 12px; }
.cta-banner p { opacity: .85; margin-bottom: 24px; font-size: 1.05rem; }
.btn-cta-white { background: white; color: var(--secondary); font-weight: 700; padding: 14px 32px; border-radius: var(--radius); display: inline-block; transition: all var(--transition); }
.btn-cta-white:hover { background: var(--sec-pale); color: var(--secondary); transform: translateY(-2px); }

/* ---- SCHEME TICKER (marquee) ---- */
.ticker-wrap { background: var(--primary); color: white; padding: 10px 0; overflow: hidden; }
.ticker-inner { display: flex; gap: 60px; animation: ticker 30s linear infinite; white-space: nowrap; }
.ticker-inner:hover { animation-play-state: paused; }
.ticker-item { font-size: 0.85rem; display: flex; align-items: center; gap: 8px; }
.ticker-dot { width: 6px; height: 6px; background: #4ADE80; border-radius: 50%; flex-shrink: 0; }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---- ABOUT PAGE ---- */
.about-hero { background: var(--primary); color: white; padding: 64px 0; text-align: center; }
.team-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 24px; text-align: center; }
.team-avatar { width: 72px; height: 72px; border-radius: 50%; background: var(--primary-pale); display: flex; align-items: center; justify-content: center; font-size: 1.5rem; font-weight: 700; color: var(--primary); margin: 0 auto 12px; }

/* ---- CONTACT ---- */
.contact-grid { display: grid; grid-template-columns: 1fr 2fr; gap: 32px; }
.contact-info-card { background: var(--primary); color: white; border-radius: var(--radius-lg); padding: 32px; }
.contact-info-card h3 { margin-bottom: 24px; }
.contact-info-item { display: flex; gap: 12px; margin-bottom: 20px; font-size: 0.9rem; }
.contact-info-icon { font-size: 1.25rem; flex-shrink: 0; margin-top: 2px; }
.contact-info-item p { opacity: .85; margin-top: 2px; font-size: 0.85rem; }
.contact-form-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 32px; }
@media (max-width: 768px) { .contact-grid { grid-template-columns: 1fr; } }

/* ---- LEGAL PAGES ---- */
.legal-hero { background: var(--primary); color: white; padding: 40px 0; }
.legal-content { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 48px; margin: 32px 0 64px; }
.legal-content h2 { color: var(--primary); margin: 32px 0 12px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--text-muted); line-height: 1.8; margin-bottom: 10px; }
.legal-content ul, .legal-content ol { padding-left: 24px; margin-bottom: 16px; }
.legal-content li { list-style: disc; }
.legal-content ol li { list-style: decimal; }
.legal-content strong { color: var(--text); }
@media (max-width: 768px) { .legal-content { padding: 24px; } }

/* ---- CREDIT SCORE ---- */
.score-meter { display: flex; flex-direction: column; align-items: center; padding: 32px; }
.score-arc { position: relative; width: 200px; height: 120px; overflow: hidden; }
.score-arc svg { width: 100%; }
.score-ranges { display: grid; grid-template-columns: repeat(5, 1fr); gap: 8px; margin-top: 20px; }
.score-range { text-align: center; padding: 10px 8px; border-radius: var(--radius-sm); }
.score-range .label { font-size: 0.7rem; font-weight: 600; margin-bottom: 2px; }
.score-range .range { font-size: 0.7rem; }
.range-poor { background: var(--red-pale); color: var(--red); }
.range-fair { background: var(--acc-pale); color: var(--accent); }
.range-good { background: var(--gold-pale); color: var(--gold); }
.range-vgood { background: var(--sec-pale); color: var(--secondary); }
.range-excel { background: #F0FDF4; color: #15803D; }

/* ---- ALERT BOXES ---- */
.alert { border-radius: var(--radius); padding: 14px 18px; margin-bottom: 16px; font-size: 0.9rem; display: flex; align-items: flex-start; gap: 10px; }
.alert-success { background: var(--sec-pale); color: #15803D; border: 1px solid #86EFAC; }
.alert-error { background: var(--red-pale); color: var(--red); border: 1px solid #FCA5A5; }
.alert-info { background: var(--primary-pale); color: var(--primary); border: 1px solid #93C5FD; }
.alert-warning { background: var(--gold-pale); color: var(--gold); border: 1px solid #FCD34D; }

/* ---- PAGINATION ---- */
.pagination { display: flex; gap: 6px; justify-content: center; padding: 24px 0; }
.page-btn { padding: 8px 14px; border-radius: var(--radius-sm); border: 1px solid var(--border); background: var(--white); font-size: 0.875rem; font-weight: 500; color: var(--text); transition: all var(--transition); }
.page-btn:hover { border-color: var(--primary); color: var(--primary); }
.page-btn.active { background: var(--primary); border-color: var(--primary); color: white; }

/* ---- FOOTER ---- */
.site-footer { background: #0F1E30; color: rgba(255,255,255,.8); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-brand { }
.footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.footer-logo-icon { width: 36px; height: 36px; border-radius: 8px; background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%); display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; font-size: 0.9rem; }
.footer-logo-text { font-weight: 700; font-size: 1.2rem; color: white; }
.footer-logo-text span { color: #4ADE80; }
.footer-desc { font-size: 0.875rem; line-height: 1.7; margin-bottom: 20px; color: rgba(255,255,255,.65); }
.footer-col h4 { font-size: 0.95rem; font-weight: 600; color: white; margin-bottom: 16px; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-links a { font-size: 0.85rem; color: rgba(255,255,255,.65); transition: color var(--transition); }
.footer-links a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 0; display: flex; justify-content: space-between; align-items: center; flex-wrap: gap; gap: 12px; }
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,.5); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: 0.8rem; color: rgba(255,255,255,.5); transition: color var(--transition); }
.footer-bottom-links a:hover { color: white; }
.disclaimer-bar { background: rgba(0,0,0,.2); padding: 12px 0; font-size: 0.75rem; color: rgba(255,255,255,.4); text-align: center; border-top: 1px solid rgba(255,255,255,.05); }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } .footer-bottom { flex-direction: column; text-align: center; } }

/* ---- ADMIN ---- */
.admin-body { background: #F1F5F9; min-height: 100vh; }
.admin-header {
  background: var(--primary); color: white; height: 60px;
  display: flex; align-items: center; padding: 0 24px;
  position: sticky; top: 0; z-index: 100;
}
.admin-header .logo-text { font-size: 1.1rem; }
.admin-layout { display: flex; min-height: calc(100vh - 60px); }
.admin-sidebar {
  width: 240px; flex-shrink: 0; background: var(--white);
  border-right: 1px solid var(--border); display: flex; flex-direction: column;
  position: sticky; top: 60px; height: calc(100vh - 60px); overflow-y: auto;
}
.admin-sidebar-inner { padding: 16px; display: flex; flex-direction: column; gap: 2px; flex: 1; }
.sidebar-section-label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; color: var(--text-light); padding: 12px 8px 4px; }
.admin-nav-link {
  display: flex; align-items: center; gap: 10px; padding: 9px 12px;
  border-radius: var(--radius-sm); font-size: 0.875rem; font-weight: 500; color: var(--text-muted);
  transition: all var(--transition); text-decoration: none;
}
.admin-nav-link:hover { background: var(--primary-pale); color: var(--primary); }
.admin-nav-link.active { background: var(--primary-pale); color: var(--primary); font-weight: 600; }
.admin-nav-link svg { width: 18px; height: 18px; flex-shrink: 0; }
.admin-content { flex: 1; padding: 28px; overflow: auto; }
.admin-page-title { font-size: 1.4rem; font-weight: 700; color: var(--primary); margin-bottom: 24px; }

.admin-stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 28px; }
.admin-stat-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 20px; }
.admin-stat-num { font-size: 2rem; font-weight: 800; color: var(--primary); }
.admin-stat-lbl { font-size: 0.8rem; color: var(--text-muted); margin-top: 4px; }
.admin-stat-change { font-size: 0.75rem; margin-top: 8px; font-weight: 600; }
.change-up { color: var(--secondary); }
.change-down { color: var(--red); }

.admin-table-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); overflow: hidden; }
.admin-table-header { padding: 18px 24px; display: flex; align-items: center; justify-content: space-between; border-bottom: 1px solid var(--border); }
.admin-table-header h3 { font-size: 1rem; color: var(--text); }
.admin-table { width: 100%; }
.admin-table th { background: var(--bg); padding: 11px 16px; font-size: 0.8rem; font-weight: 600; color: var(--text-muted); text-align: left; border-bottom: 1px solid var(--border); white-space: nowrap; }
.admin-table td { padding: 13px 16px; font-size: 0.875rem; border-bottom: 1px solid var(--border); vertical-align: middle; }
.admin-table tr:last-child td { border-bottom: none; }
.admin-table tr:hover td { background: var(--bg); }

.status-badge { display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: 0.75rem; font-weight: 600; }
.status-new { background: var(--primary-pale); color: var(--primary); }
.status-read { background: var(--gold-pale); color: var(--gold); }
.status-replied { background: var(--sec-pale); color: var(--secondary); }
.status-published { background: var(--sec-pale); color: var(--secondary); }
.status-draft { background: var(--bg); color: var(--text-muted); }

.admin-chart-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 20px; margin-bottom: 24px; }
.chart-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 24px; }
.chart-card h3 { font-size: 0.95rem; font-weight: 600; color: var(--text-muted); margin-bottom: 16px; }

.admin-form-card { background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); padding: 28px; }
.admin-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.btn-danger { background: var(--red); color: white; }
.btn-danger:hover { background: #B91C1C; color: white; }
.btn-success { background: var(--secondary); color: white; }
.btn-success:hover { background: #15803D; color: white; }
.btn-warning { background: var(--gold); color: white; }

.admin-login-page { min-height: 100vh; background: var(--primary); display: flex; align-items: center; justify-content: center; }
.admin-login-card { background: white; border-radius: var(--radius-lg); padding: 40px; width: 100%; max-width: 400px; box-shadow: var(--shadow-lg); }
.admin-login-card h2 { text-align: center; color: var(--primary); margin-bottom: 28px; }

@media (max-width: 1024px) { .admin-stat-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 900px) { .admin-chart-grid { grid-template-columns: 1fr; } }

/* ---- SEARCH BOX ---- */
.search-box { position: relative; }
.search-box input { padding-right: 40px; }
.search-box-icon { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); color: var(--text-muted); }

/* ---- PRINT ---- */
@media print {
  .site-header, .site-footer, .nav-dropdown, .amort-toggle, .breadcrumb { display: none !important; }
  .calc-layout { grid-template-columns: 1fr; }
  .emi-result { background: white; color: black; border: 2px solid black; }
}

/* ---- UTILITIES ---- */
.text-center { text-align: center; }
.text-right { text-align: right; }
.text-muted { color: var(--text-muted); }
.text-success { color: var(--secondary); }
.text-danger { color: var(--red); }
.text-primary { color: var(--primary); }
.fw-bold { font-weight: 700; }
.mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 32px; }
.mb-1 { margin-bottom: 8px; } .mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; } .mb-4 { margin-bottom: 32px; }
.p-1 { padding: 8px; } .p-2 { padding: 16px; } .p-3 { padding: 24px; }
.d-none { display: none; }
.d-flex { display: flex; }
.gap-1 { gap: 8px; } .gap-2 { gap: 16px; } .gap-3 { gap: 24px; }
.rounded { border-radius: var(--radius); }
.shadow { box-shadow: var(--shadow); }
.border { border: 1px solid var(--border); }
.bg-white { background: white; }
.bg-light { background: var(--bg); }
.w-100 { width: 100%; }
.overflow-auto { overflow: auto; }

/* ---- SKELETON LOADER ---- */
.skeleton { background: linear-gradient(90deg, #f0f0f0 25%, #e0e0e0 50%, #f0f0f0 75%); background-size: 200% 100%; animation: skeleton-wave 1.5s infinite; border-radius: var(--radius-sm); }
@keyframes skeleton-wave { to { background-position: -200% 0; } }