/* ==========================================================================
   KREDISTAR WEBAPP — design tokens
   Colours sampled from the Kredistar Finserv logo (shared with the website):
   brand blue #0270C4 · star green #04B35A · FINSERV navy #041D4E.
   ========================================================================== */
:root{
  --navy-950:#021235;
  --navy-900:#041D4E;
  --navy-800:#0A2A63;
  --navy-700:#123676;
  --blue-600:#025FA8;
  --blue-500:#0270C4;
  --blue-400:#3A93DA;
  --emerald-600:#03994D;
  --emerald-500:#04B35A;
  --emerald-400:#3FCB82;
  --gold-600:#C77F0E;
  --gold-500:#F2A227;
  --gold-400:#F5B855;
  --red-500:#E5484D;
  --ivory-0:#FFFFFF;
  --ivory-50:#F6FAFC;
  --ivory-100:#EBF3F8;
  --ivory-200:#DCE9F0;
  --slate-300:#A9BCC9;
  --slate-500:#5D7A8C;
  --slate-600:#436073;
  --slate-800:#152B38;

  --font-display:'Sora',sans-serif;
  --font-body:'Inter',sans-serif;
  --font-mono:'DM Mono','SFMono-Regular',ui-monospace,monospace;

  --radius-lg:22px;
  --radius-md:16px;
  --radius-sm:11px;
  --radius-pill:999px;

  --shadow-card:0 2px 10px rgba(15,32,56,0.06), 0 10px 24px rgba(15,32,56,0.05);
  --shadow-card-press:0 1px 4px rgba(15,32,56,0.07), 0 3px 8px rgba(15,32,56,0.05);
  --shadow-raised:0 4px 16px rgba(15,32,56,0.07), 0 16px 36px rgba(15,32,56,0.08);
  --shadow-float:0 18px 40px rgba(7,14,28,0.28);
  --shadow-nav:0 -1px 0 rgba(15,32,56,0.06), 0 -12px 28px rgba(15,32,56,0.06);

  --ease-app:cubic-bezier(.22,.61,.36,1);
  --ease-spring:cubic-bezier(.34,1.56,.64,1);
  --dur-screen:360ms;
  --dur-fast:160ms;
  --dur-press:70ms;

  --app-max:436px;
  --topbar-h:58px;
  --tabbar-h:64px;
  --safe-t:env(safe-area-inset-top,0px);
  --safe-b:env(safe-area-inset-bottom,0px);
}

@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; }
}

*,*::before,*::after{ box-sizing:border-box; margin:0; padding:0; -webkit-tap-highlight-color:transparent; }
html{ font-size:16px; }
button, a, .tab-btn, .chip, .qa-item, .prod-card, .list-row, .accordion-head, [data-nav], [data-act]{ touch-action:manipulation; }
body{
  font-family:var(--font-body);
  color:var(--slate-800);
  background:var(--navy-950);
  min-height:100vh;
  min-height:calc(var(--app-vh, 1vh) * 100);
  overflow:hidden;
}
img{ max-width:100%; display:block; }
button{ font:inherit; color:inherit; background:none; border:none; cursor:pointer; }
input,select,textarea{ font:inherit; color:inherit; }
a{ color:inherit; text-decoration:none; }
::selection{ background:var(--gold-400); color:var(--navy-900); }

:focus-visible{ outline:2.5px solid var(--gold-500); outline-offset:2px; border-radius:8px; }

.sr-only{ position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); white-space:nowrap; border:0; }

.icon{ width:1em; height:1em; fill:none; stroke:currentColor; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; flex-shrink:0; }
.icon-fill{ fill:currentColor; stroke:none; }

/* ==========================================================================
   APP FRAME — device bezel on wide viewports, edge-to-edge on real phones
   ========================================================================== */
#device-stage{
  min-height:100vh;
  min-height:calc(var(--app-vh, 1vh) * 100);
  display:flex; align-items:center; justify-content:center;
  background:
    radial-gradient(900px 520px at 18% -10%, rgba(46,99,238,0.20), transparent 60%),
    radial-gradient(720px 500px at 88% 8%, rgba(16,185,129,0.14), transparent 55%),
    var(--navy-950);
  padding:32px 16px;
}

#app-frame{
  position:relative;
  width:100%;
  max-width:var(--app-max);
  height:100vh;
  height:calc(var(--app-vh, 1vh) * 100);
  background:var(--ivory-50);
  overflow:hidden;
  display:flex;
  flex-direction:column;
}

@supports (height: 100dvh){
  body{ min-height:100dvh; }
  #device-stage{ min-height:100dvh; }
  #app-frame{ height:100dvh; }
}

/* Bezel + notch only kick in once there's room to show a "phone" — on an
   actual mobile browser (viewport <= 560px) the app fills the screen. */
@media (min-width:561px){
  #device-stage{ padding:40px 24px; }
  #app-frame{
    height:min(908px, 92vh);
    border-radius:46px;
    border:10px solid var(--navy-900);
    box-shadow:var(--shadow-float), 0 0 0 1px rgba(255,255,255,0.04) inset;
  }
  #app-frame::before{
    content:'';
    position:absolute; top:0; left:50%; transform:translateX(-50%);
    width:118px; height:26px; background:var(--navy-900);
    border-radius:0 0 16px 16px; z-index:80;
  }
  #app-frame::after{
    content:'';
    position:absolute; bottom:7px; left:50%; transform:translateX(-50%);
    width:120px; height:4px; background:rgba(255,255,255,0.28);
    border-radius:3px; z-index:80;
  }
  .app-notch-safe{ height:26px; }
}
@media (max-width:560px){
  #device-stage{ padding:0; }
  .app-notch-safe{ height:var(--safe-t); }
}

/* ==========================================================================
   SPLASH
   ========================================================================== */
#splash{
  position:absolute; inset:0; z-index:200;
  background:linear-gradient(160deg, var(--navy-900) 0%, var(--navy-800) 55%, #0D2251 100%);
  display:flex; flex-direction:column; align-items:center; justify-content:center; gap:18px;
  transition:opacity 520ms var(--ease-app), visibility 520ms var(--ease-app);
}
#splash.hide{ opacity:0; visibility:hidden; pointer-events:none; }
.splash-logo-wrap{
  animation:splashPop 900ms var(--ease-app);
  background:#fff; border-radius:20px; padding:16px 22px;
  box-shadow:0 16px 34px rgba(0,0,0,0.35);
}
.splash-logo-img{ height:52px; width:auto; display:block; }
.splash-mark{
  width:76px; height:76px; border-radius:22px;
  background:linear-gradient(135deg,var(--blue-500),var(--emerald-500));
  align-items:center; justify-content:center;
  font-family:var(--font-display); font-weight:800; font-size:34px; color:#fff;
  box-shadow:0 16px 34px rgba(46,99,238,0.35);
}
@keyframes splashPop{ 0%{ transform:scale(0.4) rotate(-8deg); opacity:0; } 60%{ transform:scale(1.08) rotate(2deg); opacity:1; } 100%{ transform:scale(1) rotate(0); } }
.splash-word{ font-family:var(--font-display); font-weight:700; font-size:21px; color:#fff; letter-spacing:0.3px; }
.splash-word span{ color:var(--emerald-400); }
.splash-tag{ font-size:12.5px; color:rgba(255,255,255,0.5); letter-spacing:0.4px; }
.splash-bar{ width:120px; height:3px; border-radius:3px; background:rgba(255,255,255,0.12); overflow:hidden; margin-top:6px; }
.splash-bar i{ display:block; height:100%; width:40%; background:linear-gradient(90deg,var(--blue-400),var(--emerald-400)); border-radius:3px; animation:splashLoad 1.1s ease-in-out infinite; }
@keyframes splashLoad{ 0%{ transform:translateX(-100%); } 100%{ transform:translateX(340%); } }

/* ==========================================================================
   TOP APP BAR
   ========================================================================== */
#topbar{
  position:relative; z-index:40; flex-shrink:0;
  background:var(--navy-900);
  color:#fff;
  padding:10px 6px 12px;
}
.topbar-row{ display:flex; align-items:center; gap:8px; min-height:34px; padding:0 8px; }
.tb-btn{
  width:34px; height:34px; border-radius:var(--radius-pill);
  display:flex; align-items:center; justify-content:center;
  background:rgba(255,255,255,0.08); color:#fff; flex-shrink:0;
  transition:background var(--dur-fast) var(--ease-app);
}
.tb-btn:active{ background:rgba(255,255,255,0.18); }
.tb-title{ flex:1; font-family:var(--font-display); font-weight:700; font-size:16.5px; letter-spacing:0.1px; }
.tb-sub{ font-size:11.5px; color:rgba(255,255,255,0.5); font-weight:500; margin-top:1px; }
.tb-title-wrap{ flex:1; min-width:0; }
.tb-title-wrap .tb-title{ white-space:nowrap; overflow:hidden; text-overflow:ellipsis; }
.tb-brand{ display:flex; align-items:center; gap:9px; flex:1; }
.tb-brand-mark{
  width:32px; height:32px; border-radius:9px; flex-shrink:0;
  background:linear-gradient(135deg,var(--blue-500),var(--emerald-500));
  display:flex; align-items:center; justify-content:center;
  font-family:var(--font-display); font-weight:800; font-size:15px; color:#fff;
}
.tb-brand-name{ font-family:var(--font-display); font-weight:700; font-size:16px; }
.tb-brand-name span{ color:var(--emerald-400); }
.tb-actions{ display:flex; gap:8px; flex-shrink:0; }
.tb-dot{ position:absolute; top:6px; right:6px; width:7px; height:7px; border-radius:50%; background:var(--gold-500); border:1.5px solid var(--navy-900); }

/* ==========================================================================
   SCREEN STACK — horizontal push/pop navigation
   ========================================================================== */
#screen-stack{ position:relative; flex:1; min-height:0; background:var(--ivory-50); }
.screen{
  position:absolute; inset:0;
  overflow-y:auto; -webkit-overflow-scrolling:touch; overscroll-behavior-y:contain;
  background:var(--ivory-50);
  transform:translateX(100%);
  transition:transform var(--dur-screen) var(--ease-app);
  visibility:hidden;
  padding-bottom:calc(var(--tabbar-h) + 18px);
}
.screen.is-base{ transform:translateX(0); visibility:visible; }
.screen.is-active{ transform:translateX(0); visibility:visible; z-index:10; }
.screen.is-exiting-left{ transform:translateX(-28%); }
.screen-inner{ padding:16px 16px 8px; }
.screen-pad-top{ padding-top:14px; }

/* ==========================================================================
   BOTTOM TAB BAR
   ========================================================================== */
#tabbar{
  position:absolute; left:0; right:0; bottom:0; z-index:50;
  display:flex;
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(16px);
  box-shadow:var(--shadow-nav);
  padding:8px 4px calc(8px + var(--safe-b));
  height:calc(var(--tabbar-h) + var(--safe-b));
}
.tab-btn{
  flex:1; display:flex; flex-direction:column; align-items:center; justify-content:center; gap:2px;
  color:var(--slate-500); position:relative; border-radius:14px; padding:4px 0; min-width:0;
  transition:color var(--dur-fast) var(--ease-app);
}
.tab-btn .icon{ width:19px; height:19px; flex-shrink:0; }
.tab-btn span{ font-size:9.5px; font-weight:600; letter-spacing:0; white-space:nowrap; }
.tab-btn.active{ color:var(--blue-600); }
.tab-btn.active::before{
  content:''; position:absolute; top:-8px; width:26px; height:3px; border-radius:3px;
  background:linear-gradient(90deg,var(--blue-500),var(--emerald-500));
}
.tab-fab{
  position:relative; top:-16px;
  width:50px; height:50px; border-radius:50%; flex-shrink:0;
  background:linear-gradient(135deg,var(--blue-500),var(--emerald-500));
  display:flex; align-items:center; justify-content:center; color:#fff;
  box-shadow:0 10px 22px rgba(46,99,238,0.4);
  margin:0 2px;
}
.tab-fab .icon{ width:22px; height:22px; }

/* ==========================================================================
   TYPOGRAPHY
   ========================================================================== */
h1,h2,h3,.disp{ font-family:var(--font-display); color:var(--navy-900); letter-spacing:-0.2px; }
.h1{ font-size:23px; font-weight:800; line-height:1.22; }
.h2{ font-size:18px; font-weight:700; line-height:1.3; }
.h3{ font-size:15px; font-weight:700; }
.eyebrow{ font-size:11px; font-weight:700; letter-spacing:1.1px; text-transform:uppercase; color:var(--blue-600); }
.muted{ color:var(--slate-500); }
.text-sm{ font-size:13px; }
.text-xs{ font-size:11.5px; }
.mono{ font-family:var(--font-mono); font-variant-numeric:tabular-nums; }
p.lead{ font-size:14px; color:var(--slate-600); line-height:1.55; }

/* ==========================================================================
   BUTTONS
   ========================================================================== */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  height:48px; padding:0 20px; border-radius:var(--radius-md);
  font-weight:700; font-size:14.5px; width:100%;
  transition:transform var(--dur-press) linear, box-shadow var(--dur-fast) var(--ease-app), opacity var(--dur-fast);
}
.btn:active{ transform:scale(0.96); transition-duration:var(--dur-press); }
.btn-primary{ background:linear-gradient(135deg,var(--blue-600),var(--blue-500)); color:#fff; box-shadow:0 10px 22px rgba(27,79,216,0.32); }
.btn-gold{ background:linear-gradient(135deg,var(--gold-600),var(--gold-500)); color:var(--navy-950); box-shadow:0 10px 22px rgba(194,127,10,0.28); }
.btn-emerald{ background:linear-gradient(135deg,var(--emerald-600),var(--emerald-500)); color:#fff; box-shadow:0 10px 22px rgba(16,185,129,0.28); }
.btn-ghost{ background:var(--ivory-100); color:var(--navy-900); }
.btn-outline{ background:transparent; border:1.5px solid var(--ivory-200); color:var(--navy-900); }
.btn-dark{ background:var(--navy-900); color:#fff; }
.btn-sm{ height:38px; font-size:13px; padding:0 14px; width:auto; border-radius:var(--radius-sm); }
.btn[disabled]{ opacity:0.45; pointer-events:none; }
.btn-row{ display:flex; gap:10px; }

/* ==========================================================================
   CARDS / SECTIONS
   ========================================================================== */
.card{ background:#fff; border-radius:var(--radius-lg); box-shadow:var(--shadow-card); transition:box-shadow var(--dur-fast) var(--ease-app), transform var(--dur-press) linear; }
.card:active{ box-shadow:var(--shadow-card-press); transform:scale(0.985); }
.card-pad{ padding:16px; }
.section{ margin-top:22px; }
.section-head{ display:flex; align-items:baseline; justify-content:space-between; margin-bottom:12px; }
.link-more{ font-size:12.5px; font-weight:700; color:var(--blue-600); }
.divider{ height:1px; background:var(--ivory-200); border:none; margin:14px 0; }

/* ==========================================================================
   FORM CONTROLS
   ========================================================================== */
.field{ margin-bottom:14px; }
.field label{ display:block; font-size:12.5px; font-weight:700; color:var(--navy-900); margin-bottom:6px; }
.field .hint{ font-size:11px; color:var(--slate-500); margin-top:5px; }
.input, .select{
  width:100%; height:48px; border-radius:var(--radius-md); border:1.5px solid var(--ivory-200);
  background:var(--ivory-50); padding:0 14px; font-size:14.5px; color:var(--navy-900);
  transition:border-color var(--dur-fast), background var(--dur-fast);
}
.input:focus, .select:focus{ border-color:var(--blue-500); background:#fff; outline:none; }
.input.err{ border-color:var(--red-500); }
.err-msg{ font-size:11.5px; color:var(--red-500); margin-top:5px; display:none; }
.err-msg.show{ display:block; }
.input-prefix{ position:relative; }
.input-prefix span{ position:absolute; left:14px; top:50%; transform:translateY(-50%); font-weight:700; color:var(--slate-500); font-size:14.5px; }
.input-prefix .input{ padding-left:30px; }
.select{ appearance:none; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 14px center; }
.chip-group{ display:flex; flex-wrap:wrap; gap:8px; }
.chip{
  padding:9px 15px; border-radius:var(--radius-pill); font-size:13px; font-weight:600;
  background:var(--ivory-100); color:var(--slate-600); border:1.5px solid transparent;
  transition:background var(--dur-fast), color var(--dur-fast), border-color var(--dur-fast), transform var(--dur-press) linear;
}
.chip:active{ transform:scale(0.94); }
.chip.active{ background:rgba(27,79,216,0.1); color:var(--blue-600); border-color:var(--blue-500); }
.otp-row{ display:flex; gap:9px; }
.otp-box{ width:100%; height:52px; text-align:center; font-size:20px; font-weight:700; border-radius:var(--radius-sm); border:1.5px solid var(--ivory-200); background:var(--ivory-50); }
.otp-box:focus{ border-color:var(--blue-500); background:#fff; outline:none; }
.checkline{ display:flex; gap:10px; align-items:flex-start; }
.checkline input{ margin-top:3px; width:16px; height:16px; accent-color:var(--blue-600); flex-shrink:0; }
.checkline label{ font-size:12px; color:var(--slate-600); line-height:1.5; }

/* range slider */
.range-wrap{ padding-top:4px; }
.range-val{ font-family:var(--font-mono); font-size:24px; font-weight:700; color:var(--navy-900); }
input[type=range]{ width:100%; height:5px; border-radius:3px; background:var(--ivory-200); appearance:none; margin:14px 0 6px; }
input[type=range]::-webkit-slider-thumb{ appearance:none; width:22px; height:22px; border-radius:50%; background:#fff; border:4px solid var(--blue-600); box-shadow:0 2px 8px rgba(27,79,216,0.4); cursor:pointer; }
input[type=range]::-moz-range-thumb{ width:14px; height:14px; border-radius:50%; background:#fff; border:4px solid var(--blue-600); cursor:pointer; }
.range-minmax{ display:flex; justify-content:space-between; font-size:11px; color:var(--slate-500); }

/* ==========================================================================
   BOTTOM SHEET / MODAL
   ========================================================================== */
#sheet-scrim{
  position:absolute; inset:0; z-index:90; background:rgba(7,14,28,0.5);
  opacity:0; visibility:hidden; transition:opacity var(--dur-screen) var(--ease-app), visibility var(--dur-screen);
}
#sheet-scrim.show{ opacity:1; visibility:visible; }
#sheet{
  position:absolute; left:0; right:0; bottom:0; z-index:91;
  background:#fff; border-radius:24px 24px 0 0;
  max-height:88%; display:flex; flex-direction:column;
  transform:translateY(100%); transition:transform var(--dur-screen) var(--ease-app);
  box-shadow:0 -14px 40px rgba(7,14,28,0.25);
}
#sheet.show{ transform:translateY(0); }
.sheet-grab{ width:38px; height:4px; border-radius:3px; background:var(--ivory-200); margin:10px auto 2px; flex-shrink:0; }
.sheet-head{ display:flex; align-items:center; justify-content:space-between; padding:10px 18px 4px; flex-shrink:0; }
.sheet-body{ padding:8px 18px 22px; overflow-y:auto; }
.sheet-close{ width:30px; height:30px; border-radius:50%; background:var(--ivory-100); display:flex; align-items:center; justify-content:center; }

/* stepper dots */
.stepper-dots{ display:flex; gap:6px; align-items:center; }
.stepper-dots i{ width:22px; height:4px; border-radius:3px; background:var(--ivory-200); }
.stepper-dots i.done{ background:var(--emerald-500); }
.stepper-dots i.now{ background:var(--blue-600); width:30px; }

/* ==========================================================================
   TOAST
   ========================================================================== */
#toast{
  position:absolute; left:16px; right:16px; z-index:150;
  bottom:calc(var(--tabbar-h) + 14px);
  background:var(--navy-900); color:#fff; border-radius:14px;
  padding:13px 16px; font-size:13px; font-weight:600; display:flex; gap:10px; align-items:center;
  box-shadow:0 14px 30px rgba(7,14,28,0.35);
  transform:translateY(140%); opacity:0; transition:transform 380ms var(--ease-app), opacity 380ms;
}
#toast{ pointer-events:none; }
#toast.show{ transform:translateY(0); opacity:1; pointer-events:auto; }
#toast.err{ background:#4A1216; }
#toast .icon{ color:var(--emerald-400); flex-shrink:0; }
#toast.err .icon{ color:#FF8A8F; }

/* ==========================================================================
   HERO CAROUSEL
   ========================================================================== */
.hero-carousel{ position:relative; border-radius:26px; overflow:hidden; width:100%; }
.hero-track{ display:flex; width:100%; transition:transform 480ms var(--ease-app); touch-action:pan-y; }
.hero-track .hero-slide{ flex:0 0 100%; width:100%; max-width:100%; min-width:0; box-sizing:border-box; border-radius:26px; }
.hero-dots{ position:absolute; left:0; right:0; bottom:12px; display:flex; justify-content:center; gap:6px; z-index:5; }
.hero-dot-btn{ width:7px; height:7px; border-radius:50%; background:rgba(255,255,255,0.35); transition:all var(--dur-fast); flex-shrink:0; }
.hero-dot-btn.active{ background:#fff; width:20px; border-radius:4px; }

/* ==========================================================================
   HOME SCREEN
   ========================================================================== */
.hero-card{
  border-radius:26px; padding:20px 18px 22px; color:#fff; position:relative; overflow:hidden;
  background:linear-gradient(150deg, var(--navy-900) 0%, var(--navy-800) 60%, #0D2251 100%);
  background-size:cover; background-position:center;
}
.hero-card.has-photo{ background-size:cover; background-position:center; min-height:280px; }
.hero-orb{ position:absolute; border-radius:50%; filter:blur(46px); opacity:0.35; }
.hero-orb.o1{ width:170px; height:170px; background:var(--blue-500); top:-60px; right:-50px; }
.hero-orb.o2{ width:130px; height:130px; background:var(--emerald-500); bottom:-50px; left:-30px; opacity:0.28; }
.hero-badge{
  display:inline-flex; align-items:center; gap:7px; background:rgba(16,185,129,0.16); border:1px solid rgba(52,211,153,0.35);
  color:var(--emerald-400); font-size:11px; font-weight:700; padding:5px 12px; border-radius:var(--radius-pill); position:relative; z-index:2;
}
.hero-dot{ width:6px; height:6px; border-radius:50%; background:var(--emerald-400); animation:blip 1.8s infinite; }
@keyframes blip{ 0%,100%{ opacity:1; } 50%{ opacity:0.35; } }
.hero-greet{ position:relative; z-index:2; font-size:19px; font-weight:800; font-family:var(--font-display); margin-top:12px; line-height:1.3; }
.hero-greet span{ background:linear-gradient(120deg,var(--emerald-400),#7CD8FF); -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent; }
.hero-sub{ position:relative; z-index:2; font-size:12.5px; color:rgba(255,255,255,0.6); margin-top:6px; }

.gauge-row{ position:relative; z-index:2; display:flex; align-items:center; gap:16px; margin-top:16px; }
.hero-photo-cta{ display:none; position:absolute; left:18px; right:18px; bottom:18px; z-index:3; width:auto; }

/* When a real banner photo is active, the app's own promotional text is
   hidden entirely rather than overlaid — an uploaded banner already
   carries its own complete headline/CTA, and layering ours on top of it
   was the actual cause of the overlapping, unreadable mess. Only a single
   clean, minimal CTA remains so the banner stays functional, not just decorative. */
.hero-card.has-photo .hero-badge,
.hero-card.has-photo .hero-greet,
.hero-card.has-photo .hero-sub,
.hero-card.has-photo .gauge-row{ display:none; }
.hero-card.has-photo > .btn{ position:absolute; left:18px; right:18px; bottom:18px; z-index:3; width:auto; margin-top:0; }
.hero-card.has-photo .hero-photo-cta{ display:flex; }
.pd-hero.has-photo .text-sm,
.pd-hero.has-photo .pd-hero-rate,
.pd-hero.has-photo .pd-hero-ic,
.pd-hero.has-photo .pd-tags{ display:none; }
.gauge-wrap{ position:relative; width:104px; height:104px; flex-shrink:0; }
.gauge-num{ position:absolute; inset:0; display:flex; flex-direction:column; align-items:center; justify-content:center; }
.gauge-num b{ font-family:var(--font-display); font-size:24px; }
.gauge-num small{ font-size:9px; color:rgba(255,255,255,0.55); font-weight:600; letter-spacing:0.3px; }
.gauge-cta{ flex:1; min-width:0; }
.gauge-cta p{ font-size:12.5px; color:rgba(255,255,255,0.68); line-height:1.5; margin-bottom:10px; }

.stat-strip{ display:grid; grid-template-columns:repeat(4,1fr); gap:8px; margin-top:16px; }
.stat-item{ text-align:center; }
.stat-item b{ display:block; font-family:var(--font-mono); font-size:15px; font-weight:700; }
.stat-item span{ font-size:9px; color:var(--slate-500); font-weight:600; }

.quick-actions{ display:grid; grid-template-columns:repeat(4,1fr); gap:10px; margin-top:14px; }
.qa-item{ display:flex; flex-direction:column; align-items:center; gap:7px; transition:transform var(--dur-press) linear; }
.qa-item:active{ transform:scale(0.94); }
.qa-ic{ width:52px; height:52px; border-radius:16px; display:flex; align-items:center; justify-content:center; }
.qa-ic .icon{ width:22px; height:22px; }
.qa-item span{ font-size:10.5px; font-weight:600; color:var(--slate-600); text-align:center; }

.smart-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:9px; margin-top:12px; }
.smart-card{ position:relative; background:#fff; border:1px solid var(--ivory-100); border-radius:16px; padding:14px 8px 12px; display:flex; flex-direction:column; align-items:center; gap:8px; box-shadow:var(--shadow-card); transition:box-shadow var(--dur-fast) var(--ease-app), transform var(--dur-press) linear; }
.smart-card:active{ transform:scale(0.95); box-shadow:var(--shadow-card-press); }
.smart-ic{ width:34px; height:34px; border-radius:10px; background:var(--ivory-100); color:var(--blue-600); display:flex; align-items:center; justify-content:center; }
.smart-ic .icon{ width:17px; height:17px; }
.smart-card b{ font-size:10.5px; font-weight:700; color:var(--navy-900); text-align:center; line-height:1.25; }
.smart-badge{ position:absolute; top:6px; right:6px; font-size:7.5px; font-weight:800; text-transform:uppercase; letter-spacing:0.3px; padding:2px 5px; border-radius:5px; }
.smart-badge.free{ background:rgba(0,191,99,0.14); color:var(--emerald-600); }

.app-status-card{ background:linear-gradient(120deg, rgba(0,129,204,0.07), rgba(0,191,99,0.05)); border:1px solid rgba(0,129,204,0.14); border-radius:var(--radius-lg); padding:18px; margin-top:14px; display:flex; align-items:center; gap:14px; box-shadow:var(--shadow-card); animation:statusIn 420ms var(--ease-spring); }
.app-status-card .status-ic{ width:48px; height:48px; border-radius:14px; background:#fff; color:var(--blue-600); display:flex; align-items:center; justify-content:center; flex-shrink:0; box-shadow:var(--shadow-card); }
.app-status-card .status-ic.done{ color:var(--emerald-600); }
.app-status-card .status-ic.rejected{ color:var(--red-500); }
.app-status-card .status-body{ flex:1; min-width:0; }
.app-status-card .status-body .eyebrow{ margin-bottom:2px; }
.app-status-card b{ font-size:13.5px; color:var(--navy-900); display:block; }
.app-status-card p{ font-size:11.5px; color:var(--slate-500); margin-top:2px; }
@keyframes statusIn{ from{ opacity:0; transform:translateY(8px) scale(0.98); } to{ opacity:1; transform:translateY(0) scale(1); } }

.offer-banner{
  margin-top:18px; border-radius:18px; padding:15px 16px; display:flex; align-items:center; gap:12px;
  background:linear-gradient(120deg, rgba(245,162,39,0.16), rgba(245,162,39,0.06)); border:1px solid rgba(245,162,39,0.3);
}
.offer-ic{ width:38px; height:38px; border-radius:11px; background:linear-gradient(135deg,var(--gold-600),var(--gold-500)); display:flex; align-items:center; justify-content:center; color:#fff; flex-shrink:0; }
.offer-banner b{ font-size:12.5px; color:var(--navy-900); display:block; }
.offer-banner p{ font-size:11px; color:var(--slate-600); margin-top:1px; }

/* product cards */
.prod-scroll{ display:flex; gap:11px; overflow-x:auto; padding-bottom:4px; scrollbar-width:none; }
.prod-scroll::-webkit-scrollbar{ display:none; }
.prod-card{
  min-width:150px; background:#fff; border-radius:18px; padding:14px; box-shadow:var(--shadow-card); flex-shrink:0;
  border:1px solid var(--ivory-100); transition:transform var(--dur-press) linear, box-shadow var(--dur-fast) var(--ease-app);
}
.prod-card:active{ transform:scale(0.97); box-shadow:var(--shadow-card-press); }
.prod-ic{ width:38px; height:38px; border-radius:11px; display:flex; align-items:center; justify-content:center; margin-bottom:10px; }
.prod-ic .icon{ width:19px; height:19px; }
.prod-card b{ display:block; font-size:13px; font-weight:700; color:var(--navy-900); }
.prod-rate{ font-family:var(--font-mono); font-size:16px; font-weight:700; color:var(--emerald-600); margin-top:6px; }
.prod-rate small{ font-family:var(--font-body); font-size:9.5px; font-weight:600; color:var(--slate-500); }
.prod-meta{ font-size:10px; color:var(--slate-500); margin-top:3px; }

.grid-2{ display:grid; grid-template-columns:1fr 1fr; gap:11px; }

.trust-row{ display:flex; align-items:center; gap:10px; padding:12px 0; }
.trust-ic{ width:34px; height:34px; border-radius:10px; background:var(--ivory-100); color:var(--blue-600); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.trust-row b{ font-size:12.5px; color:var(--navy-900); display:block; }
.trust-row span{ font-size:11px; color:var(--slate-500); }

.review-card{ min-width:250px; }
.review-stars{ color:var(--gold-500); font-size:12px; letter-spacing:1px; }
.review-card p{ font-size:12.5px; color:var(--slate-600); line-height:1.55; margin:9px 0 12px; }
.review-person{ display:flex; align-items:center; gap:9px; }
.review-av{ width:32px; height:32px; border-radius:50%; background:linear-gradient(135deg,var(--blue-500),var(--emerald-500)); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:700; font-size:12px; }
.review-person b{ display:block; font-size:12px; color:var(--navy-900); }
.review-person span{ font-size:10.5px; color:var(--slate-500); }

/* partner logos */
.partner-wall{ display:grid; grid-template-columns:repeat(3,1fr); gap:9px; }
.partner-chip{ background:#fff; border:1px solid var(--ivory-200); border-radius:12px; padding:11px 6px; text-align:center; font-size:10.5px; font-weight:700; color:var(--slate-600); }

/* ==========================================================================
   PRODUCT DETAIL SCREEN
   ========================================================================== */
.pd-hero{ border-radius:22px; padding:20px; color:#fff; position:relative; overflow:hidden; background:linear-gradient(150deg, var(--navy-900), var(--navy-800)); }
.pd-hero-bigicon{ position:absolute; right:-16px; bottom:-16px; width:132px; height:132px; opacity:0.13; color:#fff; z-index:0; }
.pd-hero-bigicon .icon{ width:100%; height:100%; stroke-width:1.1; }
.pd-hero .icon{ width:26px; height:26px; }
.pd-hero-ic{ width:48px; height:48px; border-radius:14px; background:rgba(255,255,255,0.18); display:flex; align-items:center; justify-content:center; margin-bottom:12px; }
.pd-hero-rate{ font-family:var(--font-mono); font-size:30px; font-weight:800; margin-top:2px; }
.pd-hero-rate small{ font-family:var(--font-body); font-size:12px; font-weight:600; opacity:0.75; }
.pd-tags{ display:flex; gap:7px; margin-top:12px; flex-wrap:wrap; }
.pd-tag{ background:rgba(255,255,255,0.15); font-size:10.5px; font-weight:700; padding:5px 10px; border-radius:var(--radius-pill); }

.feat-list{ display:flex; flex-direction:column; gap:11px; }
.feat-row{ display:flex; gap:11px; align-items:flex-start; }
.feat-ic{ width:30px; height:30px; border-radius:9px; background:var(--ivory-100); color:var(--emerald-600); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.feat-row p{ font-size:12.5px; color:var(--slate-600); line-height:1.5; padding-top:5px; }

.accordion-item{ border-bottom:1px solid var(--ivory-200); }
.accordion-item:last-child{ border-bottom:none; }
.accordion-head{ display:flex; align-items:center; justify-content:space-between; padding:14px 2px; width:100%; text-align:left; transition:opacity var(--dur-press) linear; }
.accordion-head:active{ opacity:0.6; }
.accordion-head b{ font-size:13px; color:var(--navy-900); }
.accordion-head .icon{ transition:transform var(--dur-fast); color:var(--slate-500); width:17px; height:17px; }
.accordion-item.open .accordion-head .icon{ transform:rotate(180deg); }
.accordion-panel{ max-height:0; overflow:hidden; transition:max-height var(--dur-screen) var(--ease-app); }
.accordion-item.open .accordion-panel{ max-height:400px; }
.accordion-panel .inner{ padding:0 2px 15px; font-size:12.5px; color:var(--slate-600); line-height:1.6; }

.sticky-cta{
  position:sticky; bottom:0; left:0; right:0; margin-top:20px;
  background:linear-gradient(to top, var(--ivory-50) 75%, transparent);
  padding:14px 0 4px;
}
.sticky-cta .btn-row .btn{ box-shadow:var(--shadow-raised); }

/* ==========================================================================
   CALCULATOR
   ========================================================================== */
.seg{ display:flex; background:var(--ivory-100); border-radius:var(--radius-pill); padding:4px; box-shadow:inset 0 1px 2px rgba(15,32,56,0.04); }
.seg button{ flex:1; text-align:center; padding:9px 4px; border-radius:var(--radius-pill); font-size:12px; font-weight:700; color:var(--slate-500); transition:background var(--dur-fast) var(--ease-app), color var(--dur-fast) var(--ease-app), box-shadow var(--dur-fast) var(--ease-app), transform var(--dur-press) linear; }
.seg button.active{ background:#fff; color:var(--navy-900); box-shadow:var(--shadow-card-press); }
.seg button:active{ transform:scale(0.95); }

/* Panel content that swaps in (tab switch, track result) gets a soft lift-in
   rather than popping instantly — apply .panel-in to the container right
   after setting its innerHTML. */
.panel-in{ animation:panelIn 320ms var(--ease-spring); }
@keyframes panelIn{ from{ opacity:0; transform:translateY(6px) scale(0.985); } to{ opacity:1; transform:translateY(0) scale(1); } }

.emi-result{ text-align:center; padding:18px 0 6px; }
.emi-result .lbl{ font-size:11.5px; font-weight:700; color:var(--slate-500); text-transform:uppercase; letter-spacing:0.5px; }
.emi-result .val{ font-family:var(--font-mono); font-size:34px; font-weight:800; color:var(--navy-900); margin-top:4px; }

.donut-wrap{ display:flex; align-items:center; gap:18px; padding:8px 0 4px; }
.donut{ width:112px; height:112px; border-radius:50%; flex-shrink:0; display:flex; align-items:center; justify-content:center; position:relative; }
.donut-center{ width:70px; height:70px; border-radius:50%; background:#fff; display:flex; flex-direction:column; align-items:center; justify-content:center; }
.donut-center b{ font-size:11px; color:var(--navy-900); font-family:var(--font-mono); }
.donut-legend{ flex:1; display:flex; flex-direction:column; gap:10px; }
.dl-row{ display:flex; align-items:center; gap:8px; font-size:12px; }
.dl-dot{ width:9px; height:9px; border-radius:3px; flex-shrink:0; }
.dl-row b{ margin-left:auto; font-family:var(--font-mono); font-size:12.5px; }

.insight-box{ background:linear-gradient(120deg, rgba(46,99,238,0.08), rgba(16,185,129,0.06)); border:1px solid rgba(46,99,238,0.15); border-radius:16px; padding:13px 14px; display:flex; gap:10px; }
.insight-box .icon{ color:var(--blue-600); flex-shrink:0; width:18px; height:18px; margin-top:1px; }
.insight-box p{ font-size:12px; color:var(--slate-600); line-height:1.55; }

.amort-row{ display:flex; justify-content:space-between; padding:10px 2px; border-bottom:1px solid var(--ivory-100); font-size:12px; }
.amort-row.head{ font-weight:700; color:var(--slate-500); font-size:10.5px; text-transform:uppercase; letter-spacing:0.3px; }
.amort-row span.mono{ font-size:12px; }

/* eligibility score */
.score-ring{ width:150px; height:150px; margin:6px auto 4px; position:relative; display:flex; align-items:center; justify-content:center; }
.score-ring .num{ font-family:var(--font-display); font-size:38px; font-weight:800; color:var(--navy-900); }
.score-ring .lbl{ font-size:10.5px; color:var(--slate-500); font-weight:600; margin-top:-4px; }
.result-grid{ display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-top:16px; }
.result-tile{ background:var(--ivory-50); border-radius:14px; padding:12px; }
.result-tile span{ font-size:10.5px; color:var(--slate-500); font-weight:600; }
.result-tile b{ display:block; font-family:var(--font-mono); font-size:16px; color:var(--navy-900); margin-top:3px; }

/* ==========================================================================
   FINANCIAL HEALTH TRACKER
   ========================================================================== */
.fh-band-tag{ display:inline-block; margin-top:6px; font-size:9.5px; font-weight:700; padding:2px 8px; border-radius:var(--radius-pill); text-transform:uppercase; letter-spacing:0.3px; }
.fh-band-tag.excellent, .fh-band-tag.good{ background:rgba(0,191,99,0.14); color:var(--emerald-600); }
.fh-band-tag.fair, .fh-band-tag.caution{ background:rgba(245,162,39,0.16); color:var(--gold-600); }
.fh-band-tag.poor, .fh-band-tag.very_poor, .fh-band-tag.high_risk{ background:rgba(229,72,77,0.12); color:var(--red-500); }
.fh-band-tag.unknown{ background:var(--ivory-100); color:var(--slate-500); }

.fh-prod-card{ border:1px solid var(--ivory-100); }
.fh-verdict-badge{ font-size:9.5px; font-weight:700; padding:4px 10px; border-radius:var(--radius-pill); white-space:nowrap; flex-shrink:0; }
.fh-verdict-badge.good{ background:rgba(0,191,99,0.14); color:var(--emerald-600); }
.fh-verdict-badge.caution{ background:rgba(245,162,39,0.16); color:var(--gold-600); }
.fh-verdict-badge.risk{ background:rgba(229,72,77,0.12); color:var(--red-500); }

.fh-bar{ height:6px; border-radius:4px; background:var(--ivory-100); overflow:hidden; }
.fh-bar i{ display:block; height:100%; border-radius:4px; }
.fh-bar i.good{ background:linear-gradient(90deg,var(--emerald-600),var(--emerald-500)); }
.fh-bar i.caution{ background:linear-gradient(90deg,var(--gold-600),var(--gold-500)); }
.fh-bar i.risk{ background:linear-gradient(90deg,#C93B40,var(--red-500)); }

.fh-reasons{ padding-left:16px; display:flex; flex-direction:column; gap:5px; }
.fh-reasons li{ font-size:11.5px; color:var(--slate-600); line-height:1.5; }

/* ==========================================================================
   TRACK / STEPPER TIMELINE
   ========================================================================== */
.status-pill{ display:inline-flex; align-items:center; gap:6px; padding:6px 13px; border-radius:var(--radius-pill); font-size:11.5px; font-weight:700; }
.status-pill.review{ background:rgba(245,162,39,0.15); color:var(--gold-600); }
.status-pill.approved{ background:rgba(16,185,129,0.14); color:var(--emerald-600); }
.status-pill.disbursed{ background:rgba(46,99,238,0.12); color:var(--blue-600); }
.status-pill.new{ background:var(--ivory-100); color:var(--slate-600); }

.timeline{ position:relative; padding-left:28px; }
.tl-item{ position:relative; padding-bottom:22px; }
.tl-item:last-child{ padding-bottom:0; }
.tl-item::before{ content:''; position:absolute; left:-20px; top:2px; width:11px; height:11px; border-radius:50%; background:var(--ivory-200); border:2px solid #fff; box-shadow:0 0 0 2px var(--ivory-200); }
.tl-item::after{ content:''; position:absolute; left:-15px; top:14px; width:1.5px; bottom:-2px; background:var(--ivory-200); }
.tl-item:last-child::after{ display:none; }
.tl-item.done::before{ background:var(--emerald-500); box-shadow:0 0 0 2px var(--emerald-500); }
.tl-item.active::before{ background:var(--blue-600); box-shadow:0 0 0 3px rgba(46,99,238,0.25); width:13px; height:13px; left:-21px; animation:tlPulse 1.8s ease-in-out infinite; }
@keyframes tlPulse{ 0%,100%{ box-shadow:0 0 0 3px rgba(46,99,238,0.25); } 50%{ box-shadow:0 0 0 6px rgba(46,99,238,0.12); } }
.tl-item b{ font-size:13px; color:var(--navy-900); display:block; }
.tl-item p{ font-size:11.5px; color:var(--slate-500); margin-top:2px; }
.tl-item time{ font-size:10.5px; color:var(--slate-300); display:block; margin-top:3px; font-family:var(--font-mono); }

/* ==========================================================================
   MORE / LIST SCREENS
   ========================================================================== */
.list-row{ display:flex; align-items:center; gap:12px; padding:13px 2px; border-bottom:1px solid var(--ivory-200); transition:opacity var(--dur-press) linear, background var(--dur-fast) var(--ease-app), transform var(--dur-press) linear; border-radius:12px; }
.list-row:active{ opacity:0.7; background:var(--ivory-50); transform:scale(0.985); }
.list-row:last-child{ border-bottom:none; }
.list-ic{ width:36px; height:36px; border-radius:11px; background:var(--ivory-100); color:var(--blue-600); display:flex; align-items:center; justify-content:center; flex-shrink:0; transition:transform var(--dur-fast) var(--ease-app); }
.list-row:active .list-ic{ transform:scale(0.92); }
.list-row b{ font-size:13px; color:var(--navy-900); display:block; }
.list-row span{ font-size:11px; color:var(--slate-500); }
.list-chev{ margin-left:auto; color:var(--slate-300); width:16px; height:16px; flex-shrink:0; transition:transform var(--dur-fast) var(--ease-app); }
.list-row:active .list-chev{ transform:translateX(2px); }

.profile-card{ display:flex; align-items:center; gap:13px; padding:16px; box-shadow:var(--shadow-raised); animation:statusIn 420ms var(--ease-spring); }
.profile-av{ width:52px; height:52px; border-radius:50%; background:linear-gradient(135deg,var(--blue-500),var(--emerald-500)); display:flex; align-items:center; justify-content:center; color:#fff; font-weight:800; font-size:19px; box-shadow:0 4px 12px rgba(46,99,238,0.25); }

/* empty state */
.empty-state{ text-align:center; padding:40px 20px; }
.empty-ic{ width:64px; height:64px; border-radius:20px; background:var(--ivory-100); color:var(--slate-500); display:flex; align-items:center; justify-content:center; margin:0 auto 16px; }
.empty-ic .icon{ width:28px; height:28px; }
.empty-state h3{ margin-bottom:6px; }
.empty-state p{ font-size:12.5px; color:var(--slate-500); max-width:260px; margin:0 auto; }

/* skeleton */
.skel{ background:linear-gradient(90deg, var(--ivory-100) 25%, var(--ivory-200) 37%, var(--ivory-100) 63%); background-size:400% 100%; animation:skel 1.4s ease infinite; border-radius:10px; }
@keyframes skel{ 0%{ background-position:100% 50%; } 100%{ background-position:0 50%; } }

/* confirmation */
.confetti-check{ width:78px; height:78px; border-radius:50%; background:linear-gradient(135deg,var(--emerald-600),var(--emerald-500)); display:flex; align-items:center; justify-content:center; margin:8px auto 18px; color:#fff; box-shadow:0 14px 30px rgba(16,185,129,0.35); animation:popIn 520ms var(--ease-app); }
@keyframes popIn{ 0%{ transform:scale(0.3); opacity:0; } 70%{ transform:scale(1.08); } 100%{ transform:scale(1); opacity:1; } }
.ref-box{ background:var(--ivory-50); border:1.5px dashed var(--ivory-200); border-radius:14px; padding:14px; text-align:center; }
.ref-box .refno{ font-family:var(--font-mono); font-size:19px; font-weight:700; color:var(--navy-900); letter-spacing:1px; }

/* ==========================================================================
   BRAND LOGO — real logo image with automatic graceful fallback
   ========================================================================== */
.brand-block{ display:inline-flex; align-items:center; gap:9px; }
.brand-block .brand-logo-img{ display:block; object-fit:contain; }
.brand-block .brand-fallback-mark, .brand-block .brand-fallback-word{ display:none; }
.brand-block.logo-fallback .brand-logo-img{ display:none; }
.brand-block.logo-fallback .brand-fallback-mark{ display:flex; align-items:center; justify-content:center; background:linear-gradient(135deg,var(--blue-500),var(--emerald-500)); color:#fff; font-family:var(--font-display); font-weight:800; flex-shrink:0; }
.brand-block.logo-fallback .brand-fallback-word{ display:inline; font-family:var(--font-display); font-weight:700; color:#fff; }
.brand-block.logo-fallback .brand-fallback-word i{ font-style:normal; color:var(--emerald-400); }
.brand-block.on-light.logo-fallback .brand-fallback-word{ color:var(--navy-900); }
.brand-block.on-light.logo-fallback .brand-fallback-word i{ color:var(--emerald-600); }

.brand-sm .brand-logo-img{ height:34px; max-width:140px; }
.brand-sm .brand-fallback-mark{ width:30px; height:30px; font-size:14px; border-radius:9px; }
.brand-sm .brand-fallback-word{ font-size:16px; }

.brand-lg .brand-logo-img{ height:62px; max-width:250px; }
.brand-lg .brand-fallback-mark{ width:60px; height:60px; font-size:26px; border-radius:18px; }
.brand-lg .brand-fallback-word{ font-size:19px; }

.brand-xs .brand-logo-img{ height:24px; max-width:104px; }
.brand-xs .brand-fallback-mark{ width:24px; height:24px; font-size:11px; border-radius:7px; }
.brand-xs .brand-fallback-word{ font-size:13px; }

/* ==========================================================================
   REAL PARTNER LOGO GRID
   ========================================================================== */
.partner-chip-logo{ display:flex; align-items:center; justify-content:center; padding:9px; height:54px; background:#fff; }
.partner-chip-logo img{ max-height:100%; max-width:100%; object-fit:contain; }
.partner-names{ font-size:11px; color:var(--slate-500); line-height:1.7; text-align:center; margin-top:10px; }

/* ==========================================================================
   PROCESS STEPS ("how it works")
   ========================================================================== */
.proc-item{ display:flex; gap:13px; position:relative; padding-bottom:20px; }
.proc-item:last-child{ padding-bottom:0; }
.proc-num{
  width:34px; height:34px; border-radius:11px; flex-shrink:0; position:relative; z-index:1;
  background:linear-gradient(135deg,var(--blue-600),var(--emerald-500)); color:#fff;
  display:flex; align-items:center; justify-content:center; font-family:var(--font-display); font-weight:800; font-size:13px;
}
.proc-item::after{ content:''; position:absolute; left:17px; top:34px; bottom:-2px; width:1.5px; background:var(--ivory-200); }
.proc-item:last-child::after{ display:none; }
.proc-body{ flex:1; padding-top:3px; }
.proc-day{ font-size:10px; font-weight:700; color:var(--blue-600); text-transform:uppercase; letter-spacing:0.4px; }
.proc-body b{ display:block; font-size:13.5px; color:var(--navy-900); margin-top:2px; }
.proc-body p{ font-size:12px; color:var(--slate-500); line-height:1.5; margin-top:3px; }

/* ==========================================================================
   HERO ILLUSTRATION — original SVG skyline/mesh motif (no stock imagery)
   ========================================================================== */
.hero-illustration{ position:absolute; inset:0; z-index:0; opacity:0.9; }
.hero-illustration svg{ width:100%; height:100%; }
.hero-card.has-photo .hero-illustration{ display:none; }
.hero-grain{ position:absolute; inset:0; z-index:0; opacity:0.05; mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='90' height='90'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E"); }

/* product-detail decorative banner */
.pd-hero{ background-size:cover; background-position:center; }
.pd-hero.has-photo{ background-size:cover; background-position:center; min-height:260px; }
.pd-hero.has-photo .pd-illustration, .pd-hero.has-photo .pd-hero-bigicon{ display:none; }
.pd-illustration{ position:absolute; right:-10px; bottom:-6px; width:118px; height:118px; opacity:0.9; z-index:0; }
.pd-hero > *{ position:relative; z-index:1; }

/* app-wide faint dot-grid backdrop for extra depth behind screens */
.screen{ background-image:radial-gradient(rgba(15,32,56,0.035) 1px, transparent 1px); background-size:18px 18px; }
.screen.is-base[data-screen="tools"], .screen.is-base[data-screen="track"], .screen[data-screen^="more"], .screen[data-screen="compare"]{ background-image:none; }

/* FAQ */
.faq-item{ border-bottom:1px solid var(--ivory-200); }
.faq-item:last-child{ border-bottom:none; }

/* ==========================================================================
   LEGAL OVERLAY — shows Terms/Privacy above an open form without losing it
   ========================================================================== */
#legal-overlay-scrim{
  position:absolute; inset:0; z-index:96; background:rgba(4,20,31,0.55);
  opacity:0; visibility:hidden; transition:opacity var(--dur-screen) var(--ease-app), visibility var(--dur-screen);
}
#legal-overlay-scrim.show{ opacity:1; visibility:visible; }
#legal-overlay{
  position:absolute; left:0; right:0; bottom:0; top:6%; z-index:97;
  background:#fff; border-radius:24px 24px 0 0; display:flex; flex-direction:column;
  transform:translateY(100%); transition:transform var(--dur-screen) var(--ease-app);
  box-shadow:0 -14px 40px rgba(4,20,31,0.3);
}
#legal-overlay.show{ transform:translateY(0); }
.lo-head{ display:flex; align-items:center; justify-content:space-between; padding:16px 18px; border-bottom:1px solid var(--ivory-200); flex-shrink:0; }
.lo-body{ overflow-y:auto; padding:16px 18px 28px; }

/* ==========================================================================
   AUTH SHEETS (login / register / forgot / reset)
   ========================================================================== */
.auth-tabs{ display:flex; gap:6px; background:var(--ivory-100); border-radius:var(--radius-pill); padding:4px; margin-bottom:16px; }
.auth-tabs button{ flex:1; text-align:center; padding:10px 4px; border-radius:var(--radius-pill); font-size:13px; font-weight:700; color:var(--slate-500); }
.auth-tabs button.active{ background:#fff; color:var(--navy-900); box-shadow:0 3px 8px rgba(4,20,31,0.1); }
.auth-hero{ text-align:center; padding:6px 0 16px; }
.auth-hero .brand-block{ margin:0 auto 10px; justify-content:center; }
.auth-link{ color:var(--blue-600); font-weight:700; cursor:pointer; }
.tnc-check label a{ color:var(--blue-600); font-weight:700; }

/* ==========================================================================
   LENDER BADGES — named bank/NBFC chips (institution-grade, not generic UI icons)
   ========================================================================== */
.lender-badge-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:9px; }
.lender-badge{ display:flex; align-items:center; gap:9px; background:var(--ivory-50); border:1px solid var(--ivory-200); border-radius:13px; padding:10px 11px; transition:box-shadow var(--dur-fast) var(--ease-app), transform var(--dur-press) linear, border-color var(--dur-fast) var(--ease-app); }
.lender-badge:active{ transform:scale(0.96); box-shadow:var(--shadow-card-press); border-color:rgba(46,99,238,0.25); }
.lender-badge-ic{ width:32px; height:32px; border-radius:9px; background:linear-gradient(135deg,var(--blue-600),var(--blue-500)); color:#fff; display:flex; align-items:center; justify-content:center; flex-shrink:0; box-shadow:0 3px 8px rgba(46,99,238,0.22); }
.lender-badge-ic .icon{ width:16px; height:16px; }
.lender-badge-name{ font-size:11.5px; font-weight:700; color:var(--navy-900); line-height:1.25; flex:1; }
.lender-badge-type{ font-size:8.5px; font-weight:700; letter-spacing:0.4px; text-transform:uppercase; color:var(--emerald-600); background:rgba(0,191,99,0.12); padding:2px 6px; border-radius:var(--radius-pill); flex-shrink:0; }

/* CIBIL CTA banner */
.cibil-banner{ display:flex; align-items:center; gap:12px; background:linear-gradient(120deg, rgba(0,129,204,0.09), rgba(0,191,99,0.07)); border:1px solid rgba(0,129,204,0.18); border-radius:18px; padding:14px 15px; box-shadow:var(--shadow-card); }
.cibil-banner-ic{ width:40px; height:40px; border-radius:12px; background:linear-gradient(135deg,var(--blue-600),var(--blue-500)); color:#fff; display:flex; align-items:center; justify-content:center; flex-shrink:0; box-shadow:0 4px 12px rgba(46,99,238,0.28); }
.cibil-banner b{ font-size:13px; color:var(--navy-900); }
.cibil-banner p{ font-size:11px; color:var(--slate-600); margin-top:2px; line-height:1.4; }

/* Do's & Don'ts */
.dodont-card .dodont-head{ display:flex; align-items:center; gap:8px; font-size:14px; margin-bottom:12px; }
.dodont-card.do .dodont-head{ color:var(--emerald-600); }
.dodont-card.dont .dodont-head{ color:var(--red-500); }
.dodont-card .dodont-head .icon{ width:19px; height:19px; }
.dodont-card ul{ padding-left:16px; display:flex; flex-direction:column; gap:9px; }
.dodont-card li{ font-size:12px; color:var(--slate-600); line-height:1.5; }

/* ==========================================================================
   PRODUCTS GRID
   ========================================================================== */
.prod-grid{ display:grid; grid-template-columns:1fr 1fr; gap:12px; }
.prod-grid-card{
  background:#fff; border-radius:20px; overflow:hidden; text-align:left;
  border:1px solid var(--ivory-100); box-shadow:var(--shadow-card);
  display:flex; flex-direction:column;
  transition:transform var(--dur-press) linear, box-shadow var(--dur-fast) var(--ease-app);
  animation:cardIn 380ms var(--ease-spring) backwards;
}
.prod-grid-card:active{ transform:scale(0.97); box-shadow:var(--shadow-card-press); }
@keyframes cardIn{ from{ opacity:0; transform:translateY(10px); } to{ opacity:1; transform:translateY(0); } }
.prod-grid-illo{ height:88px; background:linear-gradient(180deg,var(--ivory-50),var(--ivory-100)); display:flex; align-items:center; justify-content:center; overflow:hidden; }
.prod-grid-illo img{ height:120px; width:auto; max-width:none; margin-top:14px; }
.prod-grid-illo img.is-photo{ height:100%; width:100%; max-width:100%; object-fit:cover; margin-top:0; }
.prod-grid-body{ padding:13px; }
.prod-grid-body .prod-ic{ width:32px; height:32px; border-radius:9px; margin-bottom:8px; }
.prod-grid-body .prod-ic .icon{ width:16px; height:16px; }
.prod-grid-body b{ font-size:12.5px; color:var(--navy-900); display:block; line-height:1.3; }
.prod-grid-body .prod-rate{ font-family:var(--font-mono); font-size:15px; font-weight:700; color:var(--emerald-600); }
.prod-grid-body .prod-rate small{ font-family:var(--font-body); font-size:9px; font-weight:600; color:var(--slate-500); }

.pd-illo-panel{
  margin-top:14px; background:linear-gradient(180deg,#fff,var(--ivory-50)); border:1px solid var(--ivory-100);
  border-radius:20px; padding:10px 16px; display:flex; align-items:center; justify-content:center; box-shadow:var(--shadow-card);
}
.pd-illo-panel img{ height:150px; width:auto; }

.hero-illo-stage{
  position:absolute; right:-18px; bottom:-14px; width:150px; height:150px; z-index:0;
  background:radial-gradient(circle, rgba(255,255,255,0.14) 0%, rgba(255,255,255,0.03) 70%, transparent 100%);
  border-radius:50%; display:flex; align-items:center; justify-content:center;
}
.hero-illo-stage img{ height:132px; width:auto; filter:drop-shadow(0 10px 18px rgba(0,0,0,0.25)); }
.hero-card.has-photo .hero-illo-stage{ display:none; }

/* ==========================================================================
   BLOG / RESOURCES
   ========================================================================== */
.blog-list-card{ width:100%; text-align:left; overflow:hidden; padding:0; }
.blog-list-thumb{ height:140px; overflow:hidden; background:var(--ivory-100); }
.blog-list-thumb img{ width:100%; height:100%; object-fit:cover; }
.blog-post-hero{ height:180px; overflow:hidden; border-radius:var(--radius-lg) var(--radius-lg) 0 0; }
.blog-post-hero img{ width:100%; height:100%; object-fit:cover; }
.blog-content{ font-size:14px; line-height:1.7; color:var(--slate-800); }
.blog-content h1, .blog-content h2, .blog-content h3{ font-family:var(--font-display); color:var(--navy-900); margin:18px 0 8px; }
.blog-content h1{ font-size:19px; } .blog-content h2{ font-size:17px; } .blog-content h3{ font-size:15px; }
.blog-content p{ margin-bottom:12px; }
.blog-content ul, .blog-content ol{ padding-left:20px; margin-bottom:12px; }
.blog-content li{ margin-bottom:5px; }
.blog-content a{ color:var(--blue-600); font-weight:600; text-decoration:underline; }
.blog-content img{ max-width:100%; border-radius:12px; margin:10px 0; }
.blog-content blockquote{ border-left:3px solid var(--blue-500); padding-left:12px; color:var(--slate-600); font-style:italic; margin:12px 0; }
.blog-content code{ background:var(--ivory-100); padding:2px 5px; border-radius:5px; font-family:var(--font-mono); font-size:12.5px; }

/* ==========================================================================
   HOMEPAGE — Personal Loan terms / APR / cost disclosure
   ========================================================================== */
.pl-home-card{ border:1px solid var(--ivory-100); box-shadow:var(--shadow-raised); }
.pl-home-card:active{ transform:none; box-shadow:var(--shadow-raised); }
.pl-strip{ display:grid; grid-template-columns:1fr 1fr 1fr; gap:8px; }
.pl-stat{ background:var(--ivory-50); border:1px solid var(--ivory-100); border-radius:14px; padding:11px 8px 10px; text-align:center; min-width:0; }
.pl-stat span{ display:block; font-size:9.5px; font-weight:700; color:var(--slate-500); text-transform:uppercase; letter-spacing:0.3px; line-height:1.25; }
.pl-stat b{ display:block; font-family:var(--font-mono); font-size:15px; font-weight:800; color:var(--navy-900); margin-top:5px; white-space:nowrap; }
.pl-stat b small{ font-family:var(--font-body); font-size:9px; font-weight:600; color:var(--slate-500); }
.pl-stat-accent{ background:linear-gradient(135deg, rgba(245,162,39,0.14), rgba(245,162,39,0.05)); border-color:rgba(245,162,39,0.3); }
.pl-stat-accent b{ color:var(--gold-600); }
.pl-rows{ display:flex; flex-direction:column; }
.pl-row{ display:flex; justify-content:space-between; align-items:baseline; gap:12px; padding:9px 0; border-bottom:1px dashed var(--ivory-200); font-size:12px; color:var(--slate-600); }
.pl-row:last-child{ border-bottom:none; }
.pl-row b{ font-size:12.5px; color:var(--navy-900); text-align:right; }
.pl-row-total{ font-weight:700; color:var(--navy-900); }
.pl-row-total b{ font-size:14px; }
.pl-contact{ display:flex; gap:11px; align-items:flex-start; }

/* utility */
.center{ text-align:center; }
.mt-8{ margin-top:8px; } .mt-12{ margin-top:12px; } .mt-16{ margin-top:16px; } .mt-20{ margin-top:20px; }
.flex{ display:flex; } .items-center{ align-items:center; } .items-start{ align-items:flex-start; } .justify-between{ justify-content:space-between; } .gap-8{ gap:8px; } .gap-10{ gap:10px; }
.w-full{ width:100%; }

/* required-field marker in forms */
.field label .req{color:#c0392b;font-weight:700;margin-left:2px}


/* ==========================================================================
   v20 — website-parity components (photo loan cluster, lender cards,
   declarations, articles, footer)
   ========================================================================== */
.loan-cluster{ display:grid; grid-template-columns:1fr 1fr; gap:10px; }
.loan-tile{ position:relative; display:flex; flex-direction:column; justify-content:flex-end; min-height:150px; padding:0; border:0; border-radius:var(--radius-md); overflow:hidden; color:#fff; text-align:left; cursor:pointer; touch-action:manipulation;
  background:radial-gradient(90% 70% at 85% 10%, rgba(4,179,90,0.45), transparent 60%), linear-gradient(150deg, var(--blue-500) 0%, var(--navy-900) 78%);
  background-size:cover; background-position:center; box-shadow:var(--shadow-card); animation:cardIn 380ms var(--ease-spring) backwards; transition:transform var(--dur-press), box-shadow var(--dur-press); }
.loan-tile.is-wide{ grid-column:span 2; min-height:170px; }
.loan-tile:active{ transform:scale(0.975); box-shadow:var(--shadow-card-press); }
.loan-tile-ic{ position:absolute; top:10px; left:10px; width:34px; height:34px; border-radius:10px; display:grid; place-items:center; background:rgba(255,255,255,0.16); border:1px solid rgba(255,255,255,0.25); backdrop-filter:blur(6px); }
.loan-tile-ic .icon{ width:18px; height:18px; }
.loan-tile-body{ padding:12px; display:flex; flex-direction:column; gap:2px; }
.loan-tile-rate{ align-self:flex-start; font-size:10.5px; font-weight:700; padding:3px 8px; border-radius:999px; background:var(--emerald-500); margin-bottom:4px; }
.loan-tile b{ font-family:var(--font-display); font-size:15px; line-height:1.2; }
.loan-tile-meta{ font-size:11px; color:rgba(255,255,255,0.78); }
.rate-tbd{ font-size:0.8em; }

.lender-cards{ display:grid; grid-template-columns:1fr 1fr; gap:8px; }
.lender-card{ position:relative; display:flex; flex-direction:column; gap:8px; padding:12px; background:#fff; border:1px solid var(--ivory-200); border-radius:var(--radius-sm); }
.lender-mono{ width:40px; height:40px; border-radius:11px; display:grid; place-items:center; color:#fff; font:800 10.5px var(--font-display); background:linear-gradient(135deg, var(--blue-500), var(--navy-900)); }
.lender-mono.is-nbfc{ background:linear-gradient(135deg, var(--emerald-500), #05683A); }
.lender-card-body b{ display:block; font-size:13px; color:var(--navy-900); line-height:1.25; }
.lender-card-body span{ font-size:11px; color:var(--slate-500); }
.lender-pill{ position:absolute; top:10px; right:10px; font-size:9px; font-weight:800; letter-spacing:.05em; text-transform:uppercase; padding:2px 7px; border-radius:999px; background:rgba(2,112,196,0.1); color:var(--blue-600); }
.lender-pill.is-nbfc{ background:rgba(4,179,90,0.12); color:var(--emerald-600); }

.decl-card{ display:flex; flex-direction:column; gap:14px; }
.decl-row{ display:flex; gap:12px; align-items:flex-start; }
.decl-ic{ width:34px; height:34px; border-radius:10px; flex-shrink:0; display:grid; place-items:center; background:rgba(2,112,196,0.1); color:var(--blue-500); }
.decl-ic .icon{ width:17px; height:17px; }
.decl-row b{ display:block; font-size:13.5px; color:var(--navy-900); }
.decl-row p{ font-size:12px; line-height:1.55; color:var(--slate-600); margin-top:2px; }

.article-card{ flex:0 0 220px; display:flex; flex-direction:column; padding:0; border:1px solid var(--ivory-200); border-radius:var(--radius-md); overflow:hidden; background:#fff; text-align:left; cursor:pointer; scroll-snap-align:start; }
.article-img{ height:110px; background-size:cover; background-position:center; }
.article-body{ padding:12px; display:flex; flex-direction:column; gap:6px; }
.article-body b{ font-size:13.5px; line-height:1.35; color:var(--navy-900); }
.article-body span{ font-size:11px; color:var(--slate-500); }

.app-footer{ margin:28px -16px 0; padding:28px 20px 30px; background:var(--navy-950); color:rgba(255,255,255,0.66); font-size:12px; line-height:1.6; }
.app-footer-logo{ height:36px; width:auto; margin-bottom:14px; }
.app-footer b{ color:rgba(255,255,255,0.9); }
.app-footer-grid{ display:grid; grid-template-columns:1fr 1fr; gap:12px; margin:16px 0 10px; }
.app-footer-grid span{ display:block; font-size:10px; letter-spacing:.08em; text-transform:uppercase; color:rgba(255,255,255,0.42); }
.app-footer-addr{ color:rgba(255,255,255,0.5); }
.app-footer-links{ display:flex; flex-wrap:wrap; gap:8px 14px; margin:14px 0 18px; }
.app-footer-links a{ color:#9CCBF2; text-decoration:none; }
.app-footer .app-footer-site{ color:#fff; border-color:rgba(255,255,255,0.3); background:rgba(255,255,255,0.06); }
.app-footer-copy{ margin-top:16px; color:rgba(255,255,255,0.4); font-size:11px; }

.wa-summary{ text-align:left; white-space:pre-wrap; font:12px/1.55 var(--font-body); background:var(--ivory-50); border:1px solid var(--ivory-200); border-radius:12px; padding:12px 14px; margin-top:14px; max-height:220px; overflow:auto; color:var(--slate-800); }
a.btn{ text-decoration:none; }

.lender-card{ text-decoration:none; color:inherit; }
.lender-mono img{ width:100%; height:100%; object-fit:contain; background:#fff; padding:4px; border-radius:inherit; }
.lender-detail{ margin-bottom:12px; }
.lender-detail .lender-mono{ width:48px; height:48px; flex-shrink:0; }
#ln-filter{ scrollbar-width:none; padding-bottom:4px; }
#ln-filter .chip{ flex-shrink:0; }