:root{
    --ink:#151A3B;
    --ink-soft:#2B3B5C;
    --paper:#F0F1EA;
    --paper-raised:#FFFFFF;
    --highlighter:#FFD639;
    --green:#1F6F54;
    --line:#D8D9CF;
    --muted:#5B6373;
    --brand-blue:#2954E8;
    --brand-purple:#8B2FE0;
    --brand-grad: linear-gradient(100deg, var(--brand-blue), var(--brand-purple));
    --font-display: 'Newsreader', Georgia, serif;
    --font-body: 'IBM Plex Sans', -apple-system, sans-serif;
    --font-mono: 'IBM Plex Mono', monospace;
  }

  @font-face{font-family:'Newsreader';src:local('Georgia');}

  *{margin:0;padding:0;box-sizing:border-box;}

  html{scroll-behavior:smooth;}

  body{
    background:var(--paper);
    color:var(--ink);
    font-family:var(--font-body);
    line-height:1.5;
    -webkit-font-smoothing:antialiased;
  }

  a{color:inherit;text-decoration:none;}
  ul{list-style:none;}

  .wrap{max-width:1180px;margin:0 auto;padding:0 32px 20px;}

  /* -------- highlighter signature element -------- */
  .hl{
    position:relative;
    white-space:nowrap;
  }
  .hl span{position:relative;z-index:1;}
  .hl::before{
    content:"";
    position:absolute;
    left:-4px;right:-4px;bottom:0.08em;
    height:0.42em;
    background:var(--highlighter);
    transform:skew(-8deg,-0.6deg) rotate(-0.4deg);
    z-index:0;
    border-radius:2px 6px 3px 7px;
    opacity:0.9;
  }

  .clause{
    font-family:var(--font-mono);
    font-size:0.75rem;
    letter-spacing:0.08em;
    color:var(--green);
    font-weight:600;
  }

  /* -------- navbar -------- */
  header{
    
   
    color:var(--paper);
    border-bottom:3px solid rgba(255,255,255,0.25);
  }
  nav{
    display:flex;align-items:center;justify-content:space-between;
    padding:14px 32px;max-width:1180px;margin:0 auto;
  }
  .logo-img{height:50px;width:auto;display:block;}
  .foot-logo-img{height:30px;filter:brightness(0) invert(1);opacity:0.92;}
  .nav-links{display:flex;gap:34px;font-size:0.92rem;color:rgba(0, 0, 0, 0.88);font-weight: 600;}
  .nav-links a{transition:color .15s;}
  .nav-links a:hover{color:#fff;}
  .nav-cta{
    background:var(--ink);color:#fff;
    padding:11px 22px;border-radius:3px;font-weight:600;font-size:0.9rem;
    border:none;cursor:pointer;
  }
  .nav-toggle{display:none;background:none;border:none;color:var(--paper);font-size:1.5rem;cursor:pointer;}

  /* -------- hero -------- */
  .hero{
    padding:90px 0 70px;
    display:grid;grid-template-columns:1.05fr 0.95fr;gap:60px;align-items:center;
  }
  .eyebrow{
    font-family:var(--font-mono);font-size:0.78rem;letter-spacing:0.14em;
    text-transform:uppercase;color:var(--green);margin-bottom:18px;display:flex;align-items:center;gap:10px;
  }
  .eyebrow::before{content:"";width:22px;height:1px;background:var(--green);}
  h1{
    font-family:var(--font-display);
    font-size:clamp(2.4rem,4.6vw,3.6rem);
    line-height:1.08;
    font-weight:600;
    letter-spacing:-0.01em;
    margin-bottom:24px;
  }
  .hero p.lead{
    font-size:1.08rem;color:var(--muted);max-width:480px;margin-bottom:32px;
  }
  .hero-ctas{display:flex;gap:16px;align-items:center;flex-wrap:wrap;}
  .btn-primary{
    background:var(--brand-grad);color:#fff;padding:15px 28px;border-radius:3px;
    font-weight:600;font-size:0.95rem;border:none;cursor:pointer;
  }
  .btn-ghost{
    padding:15px 22px;font-weight:600;font-size:0.95rem;
    border-bottom:2px solid var(--brand-purple);color:var(--ink);
  }

  /* document card */
  .doc-card{
    background:var(--paper-raised);
    border:1px solid var(--line);
    border-radius:6px;
    box-shadow:0 24px 60px -20px rgba(22,35,63,0.25);
    padding:30px 44px 26px 30px;
    position:relative;
  }
  .doc-card::after{
    content:"SPECIMEN";
    position:absolute;top:24px;right:10px;
    font-family:var(--font-mono);font-size:0.65rem;letter-spacing:0.2em;
    color:var(--line);
  }
  .doc-head{
    display:flex;justify-content:space-between;align-items:baseline;
    border-bottom:1px dashed var(--line);padding-bottom:14px;margin-bottom:16px;
  }
  .doc-head .t{font-family:var(--font-display);font-size:1.15rem;font-weight:600;}
  .doc-row{
    display:flex;justify-content:space-between;padding:9px 0;
    font-size:0.9rem;border-bottom:1px solid #EDEDE4;
  }
  .doc-row:last-child{border-bottom:none;}
  .doc-row .k{color:var(--muted);}
  .doc-row .v{font-family:var(--font-mono);font-weight:600;}
  .doc-row .v.big{color:var(--green);}

  /* -------- section basics -------- */
  section{padding:86px 0;}
  .section-head{max-width:640px;margin-bottom:52px; margin-top:15px;}
  .section-head h2{
    font-family:var(--font-display);font-size:clamp(1.7rem,3vw,2.3rem);
    font-weight:600;line-height:1.18;margin-top:10px;
  }

  /* -------- about -------- */
  .about{background:var(--paper-raised);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
  .about-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;}
  .about-grid p{color:var(--muted);font-size:1.02rem;margin-bottom:18px;max-width:480px;}
  .stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);}
  .stat{background:var(--paper-raised);padding:26px 22px;}
  .stat .num{font-family:var(--font-mono);font-size:1.9rem;font-weight:700;color:var(--ink);}
  .stat .lab{font-size:0.82rem;color:var(--muted);margin-top:6px;}

  /* -------- loan types -------- */
  .type-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
  .type-card{
    background:var(--paper-raised);border:1px solid var(--line);border-radius:6px;
    padding:26px 24px;position:relative;transition:transform .18s, box-shadow .18s;
  }
  .type-card:hover{transform:translateY(-4px);box-shadow:0 16px 34px -18px rgba(22,35,63,0.3);}
  .type-card .tab{
    position:absolute;top:-1px;left:24px;background:var(--highlighter);
    padding:3px 10px;font-family:var(--font-mono);font-size:0.68rem;font-weight:700;
    border-radius:0 0 4px 4px;color:var(--ink);
  }
  .type-card h3{font-family:var(--font-display);font-size:1.2rem;margin:20px 0 8px;font-weight:600;}
  .type-card p{color:var(--muted);font-size:0.9rem;margin-bottom:16px;}
  .type-card .rate{font-family:var(--font-mono);font-size:0.85rem;color:var(--green);font-weight:700;}

  /* -------- why / fine print section -------- */
  .why{background:var(--ink);color:var(--paper);}
  .why .section-head{max-width:720px;}
  .why .eyebrow{color:var(--highlighter);}
  .why .eyebrow::before{background:var(--highlighter);}
  .why h2{color:var(--paper);}
  .why .hl::before{background:var(--highlighter);opacity:0.85;}
  .why .hl span{color:var(--ink);}
  .clause-list{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,0.14);border:1px solid rgba(255,255,255,0.14);border-radius:6px;overflow:hidden;}
  .clause-item{background:var(--ink);padding:26px 26px;}
  .clause-item .clause{color:var(--highlighter);}
  .clause-item h4{font-family:var(--font-display);font-size:1.08rem;font-weight:600;margin:8px 0 8px;}
  .clause-item p{color:#B9C0D3;font-size:0.9rem;}

  /* -------- how it works -------- */
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:36px;}
  .step{padding-top:26px;border-top:1px dashed var(--line);}
  .step .n{
    width:52px;height:52px;border-radius:50%;background:var(--paper-raised);
    border:2px solid var(--ink);display:flex;align-items:center;justify-content:center;
    font-family:var(--font-mono);font-weight:700;font-size:1.05rem;margin-bottom:18px;
  }
  .step h4{font-family:var(--font-display);font-size:1.08rem;font-weight:600;margin-bottom:8px;}
  .step p{color:var(--muted);font-size:0.88rem;line-height:1.55;}

  /* -------- calculator -------- */
  .calc{background:var(--paper-raised);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
  .calc-box{
    background:var(--ink);border-radius:8px;padding:44px;
    display:grid;grid-template-columns:1.1fr 0.9fr;gap:44px;color:var(--paper);
  }
  .calc-field{margin-bottom:26px;}
  .calc-field label{
    display:flex;justify-content:space-between;font-family:var(--font-mono);
    font-size:0.78rem;letter-spacing:0.06em;color:#AEB6CB;margin-bottom:10px;
  }
  .calc-field label .val{color:var(--highlighter);font-weight:700;}
  input[type=range]{
    width:100%;-webkit-appearance:none;height:4px;border-radius:2px;
    background:rgba(255,255,255,0.2);outline:none;
  }
  input[type=range]::-webkit-slider-thumb{
    -webkit-appearance:none;width:18px;height:18px;border-radius:50%;
    background:var(--highlighter);cursor:pointer;border:3px solid var(--ink);
  }
  .calc-result{
    background:var(--paper-raised);border-radius:6px;padding:30px 28px;color:var(--ink);
    display:flex;flex-direction:column;justify-content:center;
  }
  .calc-result .emi-lab{font-family:var(--font-mono);font-size:0.75rem;letter-spacing:0.1em;color:var(--muted);text-transform:uppercase;}
  .calc-result .emi-val{font-family:var(--font-mono);font-size:2.6rem;font-weight:700;margin:8px 0 20px;color:var(--green);}
  .calc-breakdown{border-top:1px dashed var(--line);padding-top:16px;}
  .calc-breakdown .row{display:flex;justify-content:space-between;font-size:0.86rem;padding:6px 0;color:var(--muted);}
  .calc-breakdown .row span:last-child{font-family:var(--font-mono);color:var(--ink);font-weight:600;}

  /* -------- faq -------- */
  .faq-list{max-width:760px;margin-top:8px;border-top:1px solid var(--line);}
  .faq-item{border-bottom:1px solid var(--line);}
  .faq-q{
    width:100%;text-align:left;background:none;border:none;cursor:pointer;
    display:flex;justify-content:space-between;align-items:center;gap:20px;
    padding:24px 4px;font-family:var(--font-display);font-size:1.08rem;font-weight:600;color:var(--ink);
  }
  .faq-q .plus{flex:none;font-family:var(--font-mono);font-size:1.2rem;color:var(--green);transition:transform .2s;}
  .faq-item.open .plus{transform:rotate(45deg);}
  .faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
  .faq-item.open .faq-a{max-height:220px;}
  .faq-a p{color:var(--muted);font-size:0.92rem;padding:0 4px 24px;margin:0;max-width:600px;line-height:1.6;}

  /* -------- footer -------- */
  footer{background:var(--ink);color:#AEB6CB;padding:60px 0 30px;}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,0.12);}
  .foot-grid h5{font-family:var(--font-mono);font-size:0.75rem;letter-spacing:0.1em;color:var(--paper);text-transform:uppercase;margin-bottom:16px;}
  .foot-grid li{margin-bottom:10px;font-size:0.9rem;}
  .foot-grid a:hover{color:var(--highlighter);}
  .foot-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:26px;flex-wrap:wrap;gap:14px;}
  .fine-print{font-family:var(--font-mono);font-size:0.72rem;color:#7B8299;max-width:640px;line-height:1.6;}

  @media(max-width:900px){
    .hero{grid-template-columns:1fr;padding-top:60px;}
    .about-grid{grid-template-columns:1fr;}
    .type-grid{grid-template-columns:1fr 1fr;}
    .clause-list{grid-template-columns:1fr;}
    .steps{grid-template-columns:1fr 1fr;gap:30px;}
    .calc-box{grid-template-columns:1fr;}
    .foot-grid{grid-template-columns:1fr 1fr;}
    .nav-links{display:none;}
  }
  @media(max-width:560px){
    .type-grid{grid-template-columns:1fr;}
    .stat-grid{grid-template-columns:1fr;}
    .foot-grid{grid-template-columns:1fr;}
  }

  @media (prefers-reduced-motion: reduce){
    *{transition:none !important;scroll-behavior:auto !important;}
  }