*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
--bg:#f8f9fc;--surface:#ffffff;--surface2:#f0f2f8;--surface3:#e8eaf2;
--text:#0d1117;--text2:#4a5568;--text3:#8896a7;
--border:#e2e8f0;--border2:#cbd5e0;
--accent:#4361ee;--accent2:#3a56d4;--accent-light:#eef0fd;
--green:#10b981;--green-light:#ecfdf5;
--red:#ef4444;--red-light:#fef2f2;
--amber:#f59e0b;--amber-light:#fffbeb;
--purple:#8b5cf6;--purple-light:#f5f3ff;
--shadow:0 1px 3px rgba(0,0,0,.08),0 4px 16px rgba(0,0,0,.04);
--shadow-lg:0 8px 32px rgba(0,0,0,.10);
--radius:12px;--radius-sm:8px;--radius-lg:16px;--radius-xl:24px;
--transition:all .2s ease;
}
[data-theme="dark"]{
--bg:#0d1117;--surface:#161b22;--surface2:#1c2333;--surface3:#21262d;
--text:#e6edf3;--text2:#8b949e;--text3:#484f58;
--border:#30363d;--border2:#484f58;
--accent:#4d6ef5;--accent2:#6b88ff;--accent-light:#1a2040;
--green:#3ebd93;--green-light:#0d2618;
--red:#f87171;--red-light:#2d1515;
--amber:#fbbf24;--amber-light:#2d1e05;
--purple:#a78bfa;--purple-light:#1e1535;
--shadow:0 1px 3px rgba(0,0,0,.3),0 4px 16px rgba(0,0,0,.2);
--shadow-lg:0 8px 32px rgba(0,0,0,.4);
}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;background:var(--bg);color:var(--text);transition:background .3s,color .3s;min-height:100vh;font-size:15px;line-height:1.6}

/* ── Scrollbar ── */
::-webkit-scrollbar{width:6px;height:6px}
::-webkit-scrollbar-track{background:transparent}
::-webkit-scrollbar-thumb{background:var(--border2);border-radius:99px}

/* ── Typography ── */
h1,h2,h3,h4,h5{font-family:'Space Grotesk',sans-serif;font-weight:700;line-height:1.2}
.display{font-size:clamp(2rem,4vw,3rem);letter-spacing:-1px}
.label{font-size:12px;font-weight:600;letter-spacing:.6px;text-transform:uppercase;color:var(--text3)}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;gap:8px;padding:10px 20px;border-radius:var(--radius-sm);font-size:14px;font-weight:600;cursor:pointer;border:none;transition:var(--transition);font-family:inherit}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent2);transform:translateY(-1px);box-shadow:0 4px 12px rgba(67,97,238,.35)}
.btn-secondary{background:var(--surface2);color:var(--text);border:1px solid var(--border)}
.btn-secondary:hover{background:var(--surface3);border-color:var(--border2)}
.btn-outline{background:transparent;color:var(--accent);border:1.5px solid var(--accent)}
.btn-outline:hover{background:var(--accent-light)}
.btn-danger{background:var(--red-light);color:var(--red);border:1px solid transparent}
.btn-danger:hover{border-color:var(--red)}
.btn-sm{padding:7px 14px;font-size:13px}
.btn-lg{padding:14px 28px;font-size:16px}
.btn-icon{width:36px;height:36px;padding:0;justify-content:center;border-radius:var(--radius-sm)}
.btn:disabled{opacity:.5;cursor:not-allowed;transform:none !important}

/* ── Cards ── */
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow);transition:var(--transition)}
.card-hover:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.card-body{padding:24px}

/* ── Form Controls ── */
.form-group{display:flex;flex-direction:column;gap:6px}
.form-label{font-size:13px;font-weight:600;color:var(--text2)}
.form-input{padding:11px 14px;border:1.5px solid var(--border);border-radius:var(--radius-sm);background:var(--surface);color:var(--text);font-size:14px;font-family:inherit;transition:border-color .2s,box-shadow .2s;outline:none;width:100%}
.form-input:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(67,97,238,.12)}
.form-input:hover{border-color:var(--border2)}
select.form-input{cursor:pointer}
.input-prefix{position:relative}
.input-prefix span{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--text3);font-size:14px;font-weight:600;pointer-events:none}
.input-prefix input{padding-left:32px}
.input-suffix{position:relative}
.input-suffix span{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--text3);font-size:13px;pointer-events:none}
.input-suffix input{padding-right:40px}

/* ── Range Slider ── */
.range-group{display:flex;flex-direction:column;gap:8px}
.range-row{display:flex;align-items:center;gap:12px}
.range-val{font-size:14px;font-weight:700;color:var(--accent);min-width:80px;text-align:right}
input[type=range]{flex:1;-webkit-appearance:none;height:4px;border-radius:99px;background:var(--surface3);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--accent);cursor:pointer;border:3px solid var(--surface);box-shadow:0 0 0 1px var(--accent)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--accent);cursor:pointer;border:3px solid var(--surface)}

/* ── Tabs ── */
.tabs{display:flex;gap:4px;background:var(--surface2);padding:4px;border-radius:var(--radius-sm);border:1px solid var(--border)}
.tab{padding:8px 16px;border-radius:6px;font-size:13px;font-weight:600;cursor:pointer;transition:var(--transition);color:var(--text2);border:none;background:transparent;font-family:inherit}
.tab.active{background:var(--surface);color:var(--accent);box-shadow:var(--shadow)}
.tab-content{display:none}
.tab-content.active{display:block}

/* ── Badges ── */
.badge{display:inline-flex;align-items:center;gap:4px;padding:3px 10px;border-radius:99px;font-size:12px;font-weight:600}
.badge-blue{background:var(--accent-light);color:var(--accent)}
.badge-green{background:var(--green-light);color:var(--green)}
.badge-red{background:var(--red-light);color:var(--red)}
.badge-amber{background:var(--amber-light);color:var(--amber)}
.badge-purple{background:var(--purple-light);color:var(--purple)}

/* ── Metric Cards ── */
.metric-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px}
.metric-card{background:var(--surface2);border-radius:var(--radius);padding:16px;text-align:center;border:1px solid var(--border)}
.metric-card .m-label{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.5px;color:var(--text3);margin-bottom:6px}
.metric-card .m-value{font-size:22px;font-weight:800;font-family:'Space Grotesk',sans-serif;color:var(--text)}
.metric-card .m-sub{font-size:12px;color:var(--text3);margin-top:2px}
.metric-card.accent .m-value{color:var(--accent)}
.metric-card.green .m-value{color:var(--green)}
.metric-card.red .m-value{color:var(--red)}
.metric-card.amber .m-value{color:var(--amber)}

/* ── Table ── */
.table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--border)}
table{width:100%;border-collapse:collapse;font-size:13.5px}
thead{background:var(--surface2)}
th{padding:12px 16px;text-align:left;font-size:12px;font-weight:700;color:var(--text3);text-transform:uppercase;letter-spacing:.5px;border-bottom:1px solid var(--border);white-space:nowrap}
td{padding:11px 16px;border-bottom:1px solid var(--border);color:var(--text2);vertical-align:middle}
tbody tr:last-child td{border-bottom:none}
tbody tr:hover{background:var(--surface2)}
tbody tr.best-row{background:var(--accent-light)}
tbody tr.best-row td{color:var(--text);font-weight:600}
.td-right{text-align:right}
.td-center{text-align:center}

/* ── Header / Nav ── */
.navbar{position:sticky;top:0;z-index:100;background:var(--surface);border-bottom:1px solid var(--border);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px)}
.nav-inner{max-width:1280px;margin:0 auto;padding:0 24px;height:64px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-icon{width:36px;height:36px;background:var(--accent);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.logo-text{font-family:'Space Grotesk',sans-serif;font-size:18px;font-weight:700;color:var(--text)}
.logo-text span{color:var(--accent)}
.nav-actions{display:flex;align-items:center;gap:8px}

/* ── Hero ── */
.hero{background:linear-gradient(135deg,var(--accent) 0%,var(--purple) 100%);padding:60px 24px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.05'%3E%3Ccircle cx='30' cy='30' r='4'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");pointer-events:none}
.hero-content{position:relative;max-width:680px;margin:0 auto}
.hero h1{color:#fff;font-size:clamp(1.8rem,4vw,2.8rem);margin-bottom:12px}
.hero p{color:rgba(255,255,255,.8);font-size:16px;margin-bottom:24px;line-height:1.7}
.hero-badges{display:flex;flex-wrap:wrap;justify-content:center;gap:8px;margin-top:20px}
.hero-badge{background:rgba(255,255,255,.15);color:#fff;padding:6px 14px;border-radius:99px;font-size:13px;font-weight:600;border:1px solid rgba(255,255,255,.25);backdrop-filter:blur(8px)}

/* ── Main Layout ── */
.main-wrap{max-width:1280px;margin:0 auto;padding:32px 24px}
.two-col{display:grid;grid-template-columns:360px 1fr;gap:24px;align-items:start}
.full-col{max-width:900px;margin:0 auto}

/* ── Loan Type Presets ── */
.preset-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:8px}
.preset-btn{padding:10px 8px;border:1.5px solid var(--border);border-radius:var(--radius-sm);background:var(--surface);cursor:pointer;transition:var(--transition);text-align:center;font-family:inherit}
.preset-btn:hover,.preset-btn.active{border-color:var(--accent);background:var(--accent-light);color:var(--accent)}
.preset-btn .p-icon{font-size:20px;display:block;margin-bottom:2px}
.preset-btn .p-name{font-size:12px;font-weight:600;color:inherit}
.preset-btn .p-rate{font-size:11px;color:var(--text3);display:block}
.preset-btn.active .p-rate{color:var(--accent)}

/* ── EMI Display ── */
.emi-display{background:linear-gradient(135deg,var(--accent) 0%,var(--purple) 100%);border-radius:var(--radius-lg);padding:28px;color:#fff;text-align:center;margin-bottom:20px}
.emi-display .emi-label{font-size:13px;opacity:.8;font-weight:500;margin-bottom:4px}
.emi-display .emi-amount{font-size:48px;font-weight:800;font-family:'Space Grotesk',sans-serif;letter-spacing:-2px;margin-bottom:4px}
.emi-display .emi-sub{font-size:12px;opacity:.7}

/* ── Bank Comparison ── */
.bank-list{display:flex;flex-direction:column;gap:8px;margin-bottom:12px}
.bank-item{display:flex;align-items:center;gap:12px;padding:12px 16px;background:var(--surface2);border:1.5px solid var(--border);border-radius:var(--radius-sm);transition:var(--transition)}
.bank-item.best{border-color:var(--green);background:var(--green-light)}
.bank-logo{width:36px;height:36px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:700;color:#fff;flex-shrink:0}
.bank-info{flex:1;min-width:0}
.bank-name{font-size:14px;font-weight:700;color:var(--text)}
.bank-rate{font-size:12px;color:var(--text3)}
.bank-emi{font-size:16px;font-weight:800;color:var(--accent);font-family:'Space Grotesk',sans-serif}
.bank-total{font-size:12px;color:var(--text3)}
.best-badge{font-size:11px;font-weight:700;color:var(--green);background:var(--green-light);padding:2px 8px;border-radius:99px;border:1px solid var(--green);white-space:nowrap}

/* ── Prepayment ── */
.savings-highlight{background:var(--green-light);border:1.5px solid var(--green);border-radius:var(--radius);padding:16px;text-align:center;margin-top:16px}
.savings-highlight h3{color:var(--green);font-size:24px;font-family:'Space Grotesk',sans-serif}
.savings-highlight p{color:var(--text2);font-size:13px;margin-top:4px}

/* ── Progress Bar ── */
.progress-bar{height:6px;background:var(--surface3);border-radius:99px;overflow:hidden}
.progress-fill{height:100%;border-radius:99px;background:linear-gradient(90deg,var(--accent),var(--purple));transition:width .5s ease}

/* ── Toast ── */
.toast-wrap{position:fixed;bottom:24px;right:24px;z-index:999;display:flex;flex-direction:column;gap:8px}
.toast{padding:12px 20px;border-radius:var(--radius-sm);color:#fff;font-size:14px;font-weight:600;box-shadow:var(--shadow-lg);animation:slideIn .3s ease;display:flex;align-items:center;gap:8px}
.toast.success{background:var(--green)}
.toast.error{background:var(--red)}
.toast.info{background:var(--accent)}
@keyframes slideIn{from{transform:translateX(60px);opacity:0}to{transform:translateX(0);opacity:1}}

/* ── Modal ── */
.modal-overlay{position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:200;display:flex;align-items:center;justify-content:center;padding:16px;backdrop-filter:blur(4px);opacity:0;pointer-events:none;transition:opacity .2s}
.modal-overlay.open{opacity:1;pointer-events:all}
.modal{background:var(--surface);border-radius:var(--radius-lg);padding:28px;max-width:440px;width:100%;box-shadow:var(--shadow-lg);transform:scale(.95);transition:transform .2s}
.modal-overlay.open .modal{transform:scale(1)}
.modal-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}
.modal-title{font-size:18px;font-weight:700;font-family:'Space Grotesk',sans-serif}

/* ── Section ── */
.section{margin-bottom:32px}
.section-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px;gap:12px}
.section-title{font-size:18px;font-weight:700;color:var(--text);font-family:'Space Grotesk',sans-serif;display:flex;align-items:center;gap:8px}
.section-title .icon{width:32px;height:32px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}

/* ── Divider ── */
.divider{height:1px;background:var(--border);margin:20px 0}

/* ── Chart containers ── */
.chart-container{position:relative;width:100%}

/* ── Amort table styled ── */
.amort-wrap{max-height:380px;overflow-y:auto;border-radius:var(--radius);border:1px solid var(--border)}
.amort-wrap table{font-size:13px}
.amort-wrap th{position:sticky;top:0;z-index:1}

/* ── Share URL ── */
.share-box{display:flex;gap:8px;align-items:center}
.share-input{flex:1;padding:10px 14px;border:1.5px solid var(--border);border-radius:var(--radius-sm);background:var(--surface2);color:var(--text2);font-size:13px;outline:none;font-family:inherit;cursor:text}

/* ── Responsive ── */
@media(max-width:900px){.two-col{grid-template-columns:1fr}}
@media(max-width:600px){
.nav-inner{padding:0 16px}
.main-wrap{padding:20px 16px}
.hero{padding:40px 16px}
.card-body{padding:16px}
.emi-display .emi-amount{font-size:36px}
.metric-grid{grid-template-columns:repeat(2,1fr)}
.preset-grid{grid-template-columns:repeat(4,1fr)}
}

/* ── Print ── */
@media print{
.navbar,.hero-badges,.btn,.tabs,.modal-overlay,.toast-wrap,.share-box{display:none!important}
.card{box-shadow:none;border:1px solid #ccc}
}

/* ── Fade animations ── */
.fade-in{animation:fadeIn .4s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}

/* ── Theme toggle ── */
.theme-toggle{width:40px;height:22px;border-radius:99px;background:var(--surface3);border:1.5px solid var(--border);cursor:pointer;position:relative;transition:var(--transition);overflow:hidden}
.theme-toggle .knob{width:16px;height:16px;background:var(--accent);border-radius:50%;position:absolute;top:1px;left:1px;transition:transform .25s ease;display:flex;align-items:center;justify-content:center;font-size:9px}
[data-theme="dark"] .theme-toggle .knob{transform:translateX(18px)}

/* ── Step indicator ── */
.step-dots{display:flex;gap:6px;justify-content:center;margin:12px 0}
.step-dot{width:6px;height:6px;border-radius:50%;background:var(--border);transition:var(--transition)}
.step-dot.active{background:var(--accent);width:20px;border-radius:99px}

/* ── Tooltip ── */
[data-tip]{position:relative;cursor:help}
[data-tip]::after{content:attr(data-tip);position:absolute;bottom:calc(100% + 6px);left:50%;transform:translateX(-50%);background:var(--text);color:var(--surface);font-size:12px;padding:5px 10px;border-radius:6px;white-space:nowrap;pointer-events:none;opacity:0;transition:opacity .15s;z-index:99}
[data-tip]:hover::after{opacity:1}

/* ── No data state ── */
.empty-state{text-align:center;padding:40px 20px;color:var(--text3)}
.empty-state .empty-icon{font-size:40px;margin-bottom:12px;display:block}
.empty-state p{font-size:14px}

/* ── Savings badge ── */
.save-tag{display:inline-block;background:var(--green-light);color:var(--green);font-size:11px;font-weight:700;padding:2px 8px;border-radius:99px;margin-left:6px}