*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
:root{
  --bg:#F7F8FC;--surface:#FFFFFF;--surface-2:#F0F2F8;--border:#E3E6F0;
  --text:#1E2235;--text-2:#4A5068;--muted:#8890AA;
  --teal:#1B2A5E;--teal-2:#2A3B75;--teal-bg:#F0F4FA;--teal-dark:#10193E;
  --coral:#F5A623;--coral-bg:#FFF7EC;--violet:#7C3AED;--green:#16A34A;
  --red:#DC2626;--gold:#D97706;--gold-bg:#FFFBEB;
  --shadow-sm:0 1px 3px rgba(0,0,0,0.06),0 1px 2px rgba(0,0,0,0.04);
  --shadow:0 4px 16px rgba(0,0,0,0.07),0 1px 3px rgba(0,0,0,0.05);
  --r:12px;--r-sm:8px;
  --font-display:'Nunito',sans-serif;--font-body:'Mulish',sans-serif;
  --ease:cubic-bezier(0.34,1.06,0.64,1);
}
body{font-family:var(--font-body);background:var(--bg);color:var(--text);min-height:100vh;-webkit-font-smoothing:antialiased}

@keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}
@keyframes scaleIn{from{opacity:0;transform:scale(0.96)}to{opacity:1;transform:scale(1)}}
@keyframes popIn{from{opacity:0;transform:scale(0.8) translateY(6px)}to{opacity:1;transform:scale(1) translateY(0)}}
.a1{animation:fadeUp 0.55s var(--ease) 0.05s both}
.a2{animation:fadeUp 0.55s var(--ease) 0.15s both}
.a3{animation:fadeUp 0.55s var(--ease) 0.25s both}
.a4{animation:fadeUp 0.55s var(--ease) 0.35s both}

/* Header */
header{position:sticky;top:0;z-index:200;background:rgba(255,255,255,0.95);backdrop-filter:blur(20px);border-bottom:1px solid var(--border);padding:0 32px;height:64px;display:flex;align-items:center;justify-content:space-between;box-shadow:var(--shadow-sm)}
.logo{font-family:var(--font-display);font-size:1.5rem;font-weight:900;text-decoration:none;color:var(--text);display:flex;align-items:center;gap:10px;letter-spacing:-0.01em}
.logo-icon{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,var(--teal),var(--teal-2));display:flex;align-items:center;justify-content:center;font-size:1rem;box-shadow:0 2px 8px rgba(13,148,136,0.35)}
.logo span{color:var(--teal)}
nav{display:flex;gap:4px}
nav a{padding:7px 16px;border-radius:50px;text-decoration:none;font-family:var(--font-body);font-size:0.85rem;font-weight:600;color:var(--muted);transition:all 0.2s ease}
nav a:hover{color:var(--text);background:var(--surface-2)}
nav a.active{color:var(--teal);background:var(--teal-bg)}

/* Breadcrumb */
.breadcrumb{padding:14px 32px;background:var(--surface);border-bottom:1px solid var(--border);font-size:0.82rem;color:var(--muted)}
.breadcrumb a{color:var(--muted);text-decoration:none}
.breadcrumb a:hover{color:var(--teal)}
.breadcrumb .sep{margin:0 8px;color:var(--border)}
.breadcrumb .current{color:var(--text-2);font-weight:600}

/* Ad slots */
.ad-top{background:var(--surface);border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:center;min-height:0;padding:0;overflow:hidden}

/* Layout */
.layout{display:grid;grid-template-columns:230px 1fr 280px;max-width:1320px;margin:0 auto;min-height:calc(100vh - 200px)}
.left-nav{border-right:1px solid var(--border);padding:28px 16px;position:sticky;top:64px;height:calc(100vh - 64px);overflow-y:auto}
.left-nav-label{font-size:0.68rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--muted);padding:0 12px 10px;display:block}
.nav-card{display:flex;align-items:center;gap:12px;padding:12px 14px;border-radius:var(--r-sm);transition:all 0.2s ease;margin-bottom:4px;border:1px solid transparent;text-decoration:none;color:inherit}
.nav-card:hover{background:var(--surface-2)}
.nav-card.active{background:var(--teal-bg);border-color:rgba(13,148,136,0.2)}
.nc-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0;background:var(--surface-2);transition:all 0.2s}
.nav-card.active .nc-icon{background:rgba(13,148,136,0.12)}
.nc-info{flex:1;min-width:0}
.nc-name{font-size:0.88rem;font-weight:700;color:var(--text-2);display:block}
.nc-desc{font-size:0.72rem;color:var(--muted)}
.nav-card.active .nc-name{color:var(--teal)}
.nav-divider{border:none;border-top:1px solid var(--border);margin:16px 0}
.bank-list{padding:0 12px}
.bank-list-title{font-size:0.68rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.bank-link{display:block;font-size:0.78rem;color:var(--text-2);padding:5px 0;text-decoration:none;font-weight:500;transition:color 0.2s}
.bank-link:hover{color:var(--teal)}

main{padding:36px 40px 80px;min-width:0}

.panel-top{margin-bottom:32px}
.panel-badge{display:inline-flex;align-items:center;gap:6px;padding:4px 12px;border-radius:50px;font-size:0.72rem;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;background:var(--teal-bg);color:var(--teal);border:1px solid rgba(13,148,136,0.25);margin-bottom:12px}
.panel-title{font-family:var(--font-display);font-size:2rem;font-weight:900;line-height:1.2;color:var(--text);letter-spacing:-0.02em;margin-bottom:8px}
.panel-sub{font-size:0.92rem;color:var(--muted);line-height:1.65}

.calc-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:32px;box-shadow:var(--shadow);margin-bottom:20px}
.form-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(195px,1fr));gap:24px;margin-bottom:28px}
.field{display:flex;flex-direction:column;gap:7px}
.field label{font-size:0.74rem;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;color:var(--muted)}
.field input,.field select{width:100%;padding:11px 14px;background:var(--bg);border:1.5px solid var(--border);border-radius:var(--r-sm);color:var(--text);font-family:var(--font-body);font-size:0.96rem;font-weight:600;outline:none;transition:all 0.2s ease;appearance:none}
.field input:focus,.field select:focus{border-color:var(--teal);background:var(--surface);box-shadow:0 0 0 3px rgba(13,148,136,0.12)}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='7' viewBox='0 0 12 7'%3E%3Cpath d='M1 1l5 4.5L11 1' stroke='%238890AA' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:34px;cursor:pointer}
.range-wrap{display:flex;align-items:center;gap:10px;margin-top:3px}
input[type=range]{flex:1;height:4px;border:none;padding:0;cursor:pointer;accent-color:var(--teal);border-radius:2px;background:var(--border)}
.rv{font-size:0.8rem;font-weight:800;color:var(--teal);min-width:72px;text-align:right;font-variant-numeric:tabular-nums}

.go-btn{display:inline-flex;align-items:center;gap:8px;padding:13px 30px;border-radius:50px;border:none;background:linear-gradient(135deg,var(--teal),var(--teal-2));color:#fff;font-family:var(--font-display);font-size:0.95rem;font-weight:800;cursor:pointer;box-shadow:0 4px 16px rgba(13,148,136,0.3);transition:all 0.2s ease}
.go-btn:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(13,148,136,0.4)}

/* CTA banner — Groww strategy */
.cta-banner{background:linear-gradient(135deg,var(--teal),var(--teal-dark));border-radius:var(--r);padding:24px 28px;margin:20px 0;display:flex;align-items:center;justify-content:space-between;gap:20px;color:#fff;box-shadow:var(--shadow)}
.cta-banner-text h3{font-family:var(--font-display);font-size:1.2rem;font-weight:800;margin-bottom:4px}
.cta-banner-text p{font-size:0.88rem;opacity:0.92}
.cta-btn{padding:12px 26px;background:#fff;color:var(--teal-dark);font-weight:800;font-family:var(--font-display);font-size:0.88rem;border-radius:50px;text-decoration:none;white-space:nowrap;box-shadow:0 4px 12px rgba(0,0,0,0.15);transition:transform 0.2s}
.cta-btn:hover{transform:translateY(-2px)}

.results-wrap{margin-top:32px;animation:fadeUp 0.4s var(--ease) both}
.results-divider{display:flex;align-items:center;gap:12px;margin-bottom:24px}
.results-divider span{font-size:0.72rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--muted);white-space:nowrap}
.results-divider::before,.results-divider::after{content:'';flex:1;height:1px;background:var(--border)}

.stat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:14px;margin-bottom:28px}
.stat-card{padding:18px 20px;border-radius:var(--r-sm);border:1px solid var(--border);background:var(--surface);animation:popIn 0.4s var(--ease) both;position:relative;overflow:hidden}
.stat-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;border-radius:0 0 var(--r-sm) var(--r-sm)}
.stat-card.teal::after{background:linear-gradient(90deg,var(--teal),var(--teal-2))}
.stat-card.coral::after{background:var(--coral)}
.stat-card.green::after{background:var(--green)}
.stat-card.violet::after{background:var(--violet)}
.stat-card.gold::after{background:var(--gold)}
.stat-card.red::after{background:var(--red)}
.stat-label{font-size:0.7rem;font-weight:700;letter-spacing:0.07em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.stat-val{font-family:var(--font-display);font-size:1.45rem;font-weight:900;letter-spacing:-0.02em;color:var(--text);line-height:1}
.stat-card.teal .stat-val{color:var(--teal)}
.stat-card.coral .stat-val{color:var(--coral)}
.stat-card.green .stat-val{color:var(--green)}
.stat-card.violet .stat-val{color:var(--violet)}
.stat-card.gold .stat-val{color:var(--gold)}
.stat-card.red .stat-val{color:var(--red)}

.chart-area{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:24px;display:grid;gap:24px}
.chart-area.two-col{grid-template-columns:1fr 1fr}
.chart-area.one-col{grid-template-columns:1fr}
.chart-title{font-family:var(--font-display);font-size:0.88rem;font-weight:800;color:var(--text-2);margin-bottom:16px;display:flex;align-items:center;gap:6px}
.chart-canvas-wrap{position:relative}

/* Amortization Table — Groww strategy */
.amortization-section{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:28px;margin-bottom:20px;margin-top:20px}
.amort-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px;flex-wrap:wrap;gap:12px}
.amort-title{font-family:var(--font-display);font-size:1.15rem;font-weight:800;color:var(--text)}
.amort-toggle{display:flex;gap:4px;background:var(--surface-2);padding:4px;border-radius:50px}
.amort-toggle button{padding:6px 16px;border:none;background:none;cursor:pointer;font-family:var(--font-body);font-size:0.82rem;font-weight:700;color:var(--muted);border-radius:50px;transition:all 0.2s}
.amort-toggle button.active{background:var(--teal);color:#fff}
.amort-table-wrap{overflow-x:auto;max-height:480px;overflow-y:auto;border:1px solid var(--border);border-radius:var(--r-sm)}
.amort-table{width:100%;border-collapse:collapse;font-size:0.86rem}
.amort-table thead th{position:sticky;top:0;background:var(--surface-2);padding:11px 14px;text-align:right;font-weight:700;color:var(--text-2);font-size:0.78rem;text-transform:uppercase;letter-spacing:0.04em;border-bottom:1px solid var(--border)}
.amort-table thead th:first-child{text-align:left}
.amort-table tbody td{padding:9px 14px;text-align:right;border-bottom:1px solid var(--border);font-variant-numeric:tabular-nums;color:var(--text-2)}
.amort-table tbody td:first-child{text-align:left;font-weight:700;color:var(--text)}
.amort-table tbody tr:hover{background:var(--surface-2)}
.amort-table tbody tr:last-child td{border-bottom:none}

.disclaimer{padding:12px 16px;border-radius:var(--r-sm);background:var(--gold-bg);border:1px solid rgba(217,119,6,0.2);border-left:3px solid var(--gold);font-size:0.78rem;color:var(--text-2);line-height:1.65;margin-bottom:20px}
.disclaimer strong{color:var(--gold)}

.info-section{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:32px;margin-bottom:20px}
.info-section h2{font-family:var(--font-display);font-size:1.5rem;font-weight:800;margin-bottom:14px;color:var(--text)}
.info-section h3{font-family:var(--font-display);font-size:1.15rem;font-weight:800;margin:20px 0 10px;color:var(--text)}
.info-section p{font-size:0.92rem;color:var(--text-2);line-height:1.8;margin-bottom:12px}
.info-section ul,.info-section ol{font-size:0.92rem;color:var(--text-2);line-height:1.9;padding-left:24px;margin-bottom:12px}
.info-section li{margin-bottom:4px}
.info-section strong{color:var(--text);font-weight:700}
.formula{font-family:'Courier New',monospace;font-size:0.92rem;background:var(--teal-bg);border:1px solid rgba(13,148,136,0.2);border-radius:6px;padding:14px 18px;color:var(--teal-dark);margin:14px 0;font-weight:700;overflow-x:auto}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border);padding:16px 0}
.faq-item:last-child{border-bottom:none}
.faq-q{font-family:var(--font-display);font-size:1rem;font-weight:800;color:var(--text);cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:6px 0}
.faq-q:hover{color:var(--teal)}
.faq-q::after{content:'+';font-size:1.6rem;color:var(--teal);font-weight:400;transition:transform 0.2s}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{font-size:0.9rem;color:var(--text-2);line-height:1.8;padding:8px 0 0;display:none}
.faq-item.open .faq-a{display:block}

/* Related calculators grid — Groww strategy */
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin-top:14px}
.related-card{display:flex;align-items:center;gap:12px;padding:14px;background:var(--bg);border:1px solid var(--border);border-radius:var(--r-sm);text-decoration:none;color:inherit;transition:all 0.2s}
.related-card:hover{border-color:var(--teal);transform:translateY(-2px);box-shadow:var(--shadow-sm)}
.related-icon{width:36px;height:36px;border-radius:8px;background:var(--teal-bg);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.related-info span{font-size:0.85rem;font-weight:700;color:var(--text);display:block}
.related-info small{font-size:0.72rem;color:var(--muted)}

/* Right Sidebar */
.right-sidebar{border-left:1px solid var(--border);padding:28px 20px;display:flex;flex-direction:column;gap:20px}
.widget{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:18px}
.widget:has(.widget-title:only-child){display:none}
.widget-title{font-family:var(--font-display);font-size:0.82rem;font-weight:800;letter-spacing:0.05em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.rate-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid var(--border);font-size:0.82rem}
.rate-row:last-child{border:none;padding-bottom:0}
.rate-label{color:var(--text-2);font-weight:500}
.rate-val{font-weight:800;font-variant-numeric:tabular-nums}
.rate-val.teal{color:var(--teal)}.rate-val.green{color:var(--green)}.rate-val.coral{color:var(--coral)}
.ad-side{background:var(--surface-2);border:1px dashed var(--border);border-radius:var(--r);min-height:0;display:none;align-items:center;justify-content:center;font-size:0.68rem;color:var(--muted);letter-spacing:0.1em;text-transform:uppercase}

/* Footer with massive internal linking — Groww strategy */
.footer-links-section{background:var(--surface);border-top:1px solid var(--border);padding:40px 32px;margin-top:60px}
.footer-links-section .container{max-width:1320px;margin:0 auto}
.footer-links-section h4{font-family:var(--font-display);font-size:0.85rem;font-weight:800;letter-spacing:0.05em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;margin-bottom:32px}
.footer-col a{display:block;font-size:0.85rem;color:var(--text-2);padding:5px 0;text-decoration:none;font-weight:500;transition:color 0.2s}
.footer-col a:hover{color:var(--teal)}

footer{border-top:1px solid var(--border);background:var(--surface);padding:24px 32px;display:flex;align-items:center;justify-content:space-between;font-size:0.78rem;color:var(--muted)}
.footer-bottom-links{display:flex;gap:20px}
.footer-bottom-links a{color:var(--muted);text-decoration:none;font-weight:600}
.footer-bottom-links a:hover{color:var(--teal)}

.hidden{display:none !important}

.ad-top, .ad-mid, .ad-bottom, .ad-side, .cta-banner { display: none !important; }

@media(max-width:1100px){.right-sidebar{display:none}.layout{grid-template-columns:210px 1fr}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:700px){.left-nav{display:none}.layout{grid-template-columns:1fr}main{padding:24px 18px 60px}header{padding:0 18px}nav{gap:2px}nav a{padding:6px 10px;font-size:0.78rem}.chart-area.two-col{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.cta-banner{flex-direction:column;text-align:center}}