/* ══════════════════════════════════════════════════
   DESIGN SYSTEM  – NRI Finance Hub (Modern)
══════════════════════════════════════════════════ */
:root{
  --bg:#05080f;
  --surface:#0b0f1e;
  --card:#0f1526;
  --elevated:#141929;
  --border:rgba(255,255,255,0.07);
  --border2:rgba(255,255,255,0.12);
  --text:#f4f6ff;
  --text2:#bbc4dc;
  --muted:rgba(255,255,255,0.45);
  --amber:#f0a520;--amber-light:#fbbf24;
  --amber-dim:rgba(240,165,32,0.1);--amber-glow:rgba(240,165,32,0.3);
  --teal:#00cdb0;--teal-dim:rgba(0,205,176,0.1);
  --green:#22d39a;--green-dim:rgba(34,211,154,0.1);
  --red:#f56570;--red-dim:rgba(245,101,112,0.1);
  --indigo:#818cf8;--indigo-dim:rgba(129,140,248,0.1);
  --radius:14px;--radius-sm:9px;
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Inter',system-ui,sans-serif;background:var(--bg);color:var(--text);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
a{text-decoration:none;color:inherit;}
button{font-family:inherit;cursor:pointer;}
input,select{font-family:inherit;}
::-webkit-scrollbar{width:4px;}
::-webkit-scrollbar-track{background:var(--surface);}
::-webkit-scrollbar-thumb{background:rgba(255,255,255,0.12);border-radius:2px;}
@keyframes blink{0%,100%{opacity:1;}50%{opacity:.25;}}
@keyframes fadeUp{from{opacity:0;transform:translateY(20px);}to{opacity:1;transform:translateY(0);}}
@keyframes countUp{from{opacity:0;}to{opacity:1;}}
@keyframes rot{to{transform:rotate(360deg);}}

/* ── NAV ──────────────────────────────────────── */
nav.site-nav{position:fixed;top:0;left:0;right:0;z-index:300;height:64px;display:flex;align-items:center;justify-content:space-between;padding:0 40px;background:rgba(5,8,15,0.85);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);border-bottom:1px solid var(--border);}
.nav-logo{display:flex;align-items:center;gap:10px;text-decoration:none;}
.nav-logo-mark{width:36px;height:36px;background:linear-gradient(135deg,#f0a520,#c97c0a);border-radius:9px;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 16px rgba(240,165,32,0.35);flex-shrink:0;}
.nav-logo-mark svg{width:16px;height:16px;stroke:#000;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;}
.nav-logo-text strong{font-size:15px;font-weight:800;color:#fff;display:block;letter-spacing:-.3px;line-height:1.2;}
.nav-logo-text span{font-size:10px;font-weight:500;color:var(--muted);}
.nav-links-center{display:flex;align-items:center;gap:2px;position:absolute;left:50%;transform:translateX(-50%);}
.nav-links-center a{font-size:13px;font-weight:600;color:var(--muted);padding:6px 14px;border-radius:8px;transition:all .2s;cursor:pointer;}
.nav-links-center a:hover{color:#fff;background:var(--elevated);}
.nav-right{display:flex;align-items:center;gap:10px;}
.nav-live-badge{display:flex;align-items:center;gap:6px;background:var(--green-dim);border:1px solid rgba(34,211,154,.2);border-radius:100px;padding:5px 12px;font-size:11px;font-weight:700;color:var(--green);}
.nav-live-dot{width:6px;height:6px;border-radius:50%;background:var(--green);animation:blink 2s infinite;}
.nav-cta{background:linear-gradient(135deg,#f0a520,#c97c0a);color:#000;border:none;border-radius:8px;padding:8px 18px;font-size:13px;font-weight:800;transition:transform .15s,box-shadow .15s;box-shadow:0 4px 14px rgba(240,165,32,.3);}
.nav-cta:hover{transform:translateY(-1px);box-shadow:0 6px 22px rgba(240,165,32,.45);}
.cur-dropdown{position:relative;}
.cur-btn{display:flex;align-items:center;gap:8px;background:var(--elevated);border:1px solid var(--border2);border-radius:9px;padding:7px 12px;cursor:pointer;transition:border-color .2s;}
.cur-btn:hover{border-color:var(--amber);}
.cur-btn-inner{display:flex;align-items:center;gap:8px;}
.cur-btn-meta{display:flex;flex-direction:column;line-height:1.2;}
.cur-btn-code{font-size:13px;font-weight:800;color:var(--text);}
.cur-btn-region{font-size:10px;color:var(--muted);}
.cur-btn-chevron{color:var(--muted);transition:transform .2s;}
.cur-panel{position:absolute;top:calc(100% + 8px);right:0;width:240px;background:var(--surface);border:1px solid var(--border2);border-radius:12px;box-shadow:0 16px 48px rgba(0,0,0,.5);overflow-y:auto;max-height:320px;display:none;z-index:400;}
.cur-panel.open{display:block;}
.cur-group-hd{font-size:10px;font-weight:800;color:var(--muted);text-transform:uppercase;letter-spacing:.8px;padding:10px 14px 4px;}
.cur-item{display:flex;align-items:center;gap:10px;padding:9px 14px;cursor:pointer;transition:background .15s;}
.cur-item:hover,.cur-item.active{background:var(--elevated);}
.ci-flag{width:24px;display:flex;align-items:center;}
.ci-info{flex:1;}
.ci-code{font-size:13px;font-weight:700;display:block;}
.ci-name{font-size:11px;color:var(--muted);}
.ci-check{color:var(--amber);font-size:12px;font-weight:900;}

/* ── HERO ──────────────────────────────────────── */
.hero-section{min-height:100vh;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:100px 40px 60px;position:relative;overflow:hidden;text-align:center;background-image:url('https://images.pexels.com/photos/325185/pexels-photo-325185.jpeg?auto=compress&cs=tinysrgb&w=1920&h=1080&fit=crop'),url('data:image/svg+xml;base64,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1920 500" preserveAspectRatio="xMidYMax slice"><defs><radialGradient id="moon" cx="50%" cy="50%" r="50%"><stop offset="0%" stop-color="#fef3c7" stop-opacity="0.9"/><stop offset="100%" stop-color="#fef3c7" stop-opacity="0"/></radialGradient><radialGradient id="glow1" cx="50%" cy="50%" r="50%"><stop offset="0%" stop-color="#f0a520" stop-opacity="0.15"/><stop offset="100%" stop-color="#f0a520" stop-opacity="0"/></radialGradient><radialGradient id="glow2" cx="50%" cy="50%" r="50%"><stop offset="0%" stop-color="#00cdb0" stop-opacity="0.08"/><stop offset="100%" stop-color="#00cdb0" stop-opacity="0"/></radialGradient><linearGradient id="skyGrad" x1="0" y1="0" x2="0" y2="1"><stop offset="0%" stop-color="#050810"/><stop offset="60%" stop-color="#080d1f"/><stop offset="100%" stop-color="#0d1428"/></linearGradient><linearGradient id="buildGrad" x1="0" y1="0" x2="0" y2="1"><stop offset="0%" stop-color="#111827"/><stop offset="100%" stop-color="#050810"/></linearGradient><linearGradient id="buildGrad2" x1="0" y1="0" x2="0" y2="1"><stop offset="0%" stop-color="#0d1632"/><stop offset="100%" stop-color="#060b1c"/></linearGradient></defs><!-- Sky --><rect width="1920" height="500" fill="url(#skyGrad)"/><!-- Stars --><g fill="#ffffff"><circle cx="120" cy="40" r="1" opacity="0.7"/><circle cx="230" cy="80" r="1.2" opacity="0.5"/><circle cx="380" cy="30" r="0.8" opacity="0.8"/><circle cx="520" cy="60" r="1" opacity="0.6"/><circle cx="680" cy="25" r="1.2" opacity="0.7"/><circle cx="820" cy="55" r="0.8" opacity="0.5"/><circle cx="960" cy="35" r="1" opacity="0.9"/><circle cx="1100" cy="70" r="1.2" opacity="0.6"/><circle cx="1260" cy="20" r="0.8" opacity="0.7"/><circle cx="1400" cy="50" r="1" opacity="0.5"/><circle cx="1560" cy="40" r="1.2" opacity="0.8"/><circle cx="1720" cy="65" r="0.8" opacity="0.6"/><circle cx="1850" cy="30" r="1" opacity="0.7"/><circle cx="160" cy="140" r="0.8" opacity="0.4"/><circle cx="450" cy="120" r="1" opacity="0.5"/><circle cx="750" cy="100" r="0.8" opacity="0.6"/><circle cx="1050" cy="130" r="1" opacity="0.4"/><circle cx="1350" cy="110" r="0.8" opacity="0.5"/><circle cx="1650" cy="95" r="1" opacity="0.6"/><circle cx="60" cy="90" r="1" opacity="0.5"/><circle cx="310" cy="110" r="0.8" opacity="0.7"/><circle cx="600" cy="75" r="1.2" opacity="0.4"/><circle cx="870" cy="95" r="0.8" opacity="0.6"/><circle cx="1180" cy="50" r="1" opacity="0.8"/><circle cx="1480" cy="80" r="0.8" opacity="0.5"/><circle cx="1780" cy="45" r="1" opacity="0.7"/></g><!-- Moon glow --><ellipse cx="1680" cy="80" rx="120" ry="120" fill="url(#moon)"/><circle cx="1680" cy="80" r="22" fill="#fef3c7" opacity="0.85"/><!-- City glow halos --><ellipse cx="700" cy="500" rx="500" ry="200" fill="url(#glow1)"/><ellipse cx="1300" cy="500" rx="400" ry="180" fill="url(#glow2)"/><!-- Background buildings (far, faint) --><g fill="#0a1022" opacity="0.8"><rect x="50" y="320" width="30" height="180"/><rect x="90" y="300" width="20" height="200"/><rect x="120" y="310" width="35" height="190"/><rect x="200" y="280" width="25" height="220"/><rect x="240" y="295" width="40" height="205"/><rect x="300" y="270" width="30" height="230"/><rect x="350" y="290" width="20" height="210"/><rect x="1550" y="290" width="30" height="210"/><rect x="1600" y="270" width="40" height="230"/><rect x="1660" y="285" width="25" height="215"/><rect x="1710" y="300" width="35" height="200"/><rect x="1760" y="275" width="20" height="225"/><rect x="1800" y="310" width="30" height="190"/><rect x="1850" y="295" width="25" height="205"/></g><!-- Main skyline - left cluster --><g fill="url(#buildGrad)"><rect x="0" y="380" width="80" height="120"/><rect x="85" y="350" width="50" height="150"/><rect x="140" y="360" width="35" height="140"/><rect x="180" y="330" width="60" height="170"/><!-- Tall tower --><rect x="245" y="230" width="40" height="270"/><rect x="260" y="220" width="10" height="15"/><!-- antenna --><rect x="290" y="290" width="55" height="210"/><rect x="350" y="310" width="45" height="190"/><rect x="400" y="340" width="70" height="160"/><rect x="475" y="320" width="40" height="180"/><rect x="520" y="300" width="55" height="200"/><rect x="580" y="350" width="35" height="150"/></g><!-- Left building windows --><g fill="#f0a520" opacity="0.6"><rect x="190" y="345" width="4" height="4"/><rect x="200" y="345" width="4" height="4"/><rect x="190" y="355" width="4" height="4"/><rect x="200" y="360" width="4" height="4"/><rect x="253" y="250" width="4" height="4"/><rect x="263" y="260" width="4" height="4"/><rect x="253" y="270" width="4" height="4"/><rect x="263" y="280" width="4" height="4"/><rect x="253" y="300" width="4" height="4"/><rect x="297" y="305" width="4" height="4"/><rect x="307" y="310" width="4" height="4"/><rect x="317" y="305" width="4" height="4"/><rect x="297" y="320" width="4" height="4"/><rect x="317" y="325" width="4" height="4"/><rect x="530" y="315" width="4" height="4"/><rect x="540" y="320" width="4" height="4"/><rect x="550" y="315" width="4" height="4"/><rect x="530" y="330" width="4" height="4"/><rect x="550" y="335" width="4" height="4"/></g><!-- Centre skyline - tall iconic buildings --><g fill="url(#buildGrad2)"><rect x="620" y="370" width="55" height="130"/><rect x="680" y="340" width="65" height="160"/><!-- Iconic tall centre tower --><rect x="750" y="180" width="55" height="320"/><rect x="766" y="160" width="23" height="25"/><rect x="774" y="140" width="7" height="25"/><!-- spire --><rect x="810" y="250" width="70" height="250"/><rect x="885" y="290" width="50" height="210"/><!-- Second iconic tower --><rect x="940" y="200" width="60" height="300"/><rect x="952" y="185" width="36" height="20"/><rect x="968" y="168" width="6" height="20"/><rect x="1005" y="280" width="55" height="220"/><rect x="1065" y="310" width="65" height="190"/><rect x="1135" y="260" width="50" height="240"/><rect x="1190" y="340" width="60" height="160"/></g><!-- Centre windows --><g fill="#00cdb0" opacity="0.5"><rect x="758" y="200" width="4" height="4"/><rect x="769" y="200" width="4" height="4"/><rect x="780" y="200" width="4" height="4"/><rect x="758" y="215" width="4" height="4"/><rect x="780" y="215" width="4" height="4"/><rect x="758" y="230" width="4" height="4"/><rect x="769" y="230" width="4" height="4"/><rect x="780" y="230" width="4" height="4"/><rect x="950" y="220" width="4" height="4"/><rect x="961" y="220" width="4" height="4"/><rect x="972" y="220" width="4" height="4"/><rect x="950" y="235" width="4" height="4"/><rect x="972" y="235" width="4" height="4"/></g><g fill="#f0a520" opacity="0.5"><rect x="820" y="270" width="4" height="4"/><rect x="832" y="265" width="4" height="4"/><rect x="844" y="270" width="4" height="4"/><rect x="820" y="285" width="4" height="4"/><rect x="844" y="285" width="4" height="4"/><rect x="820" y="300" width="4" height="4"/><rect x="832" y="300" width="4" height="4"/><rect x="844" y="300" width="4" height="4"/><rect x="1010" y="295" width="4" height="4"/><rect x="1022" y="300" width="4" height="4"/><rect x="1034" y="295" width="4" height="4"/><rect x="1010" y="315" width="4" height="4"/><rect x="1034" y="315" width="4" height="4"/><rect x="1145" y="280" width="4" height="4"/><rect x="1157" y="275" width="4" height="4"/><rect x="1169" y="280" width="4" height="4"/><rect x="1145" y="295" width="4" height="4"/><rect x="1169" y="295" width="4" height="4"/></g><!-- Right skyline cluster --><g fill="url(#buildGrad)"><rect x="1255" y="320" width="60" height="180"/><rect x="1320" y="280" width="45" height="220"/><!-- Right tall tower --><rect x="1370" y="220" width="55" height="280"/><rect x="1384" y="205" width="27" height="18"/><rect x="1396" y="190" width="5" height="18"/><rect x="1430" y="300" width="60" height="200"/><rect x="1495" y="340" width="40" height="160"/><rect x="1540" y="310" width="55" height="190"/><rect x="1600" y="330" width="45" height="170"/><rect x="1650" y="360" width="60" height="140"/><rect x="1715" y="340" width="35" height="160"/><rect x="1755" y="355" width="50" height="145"/><rect x="1810" y="370" width="40" height="130"/><rect x="1855" y="350" width="65" height="150"/></g><!-- Right windows --><g fill="#818cf8" opacity="0.5"><rect x="1378" y="235" width="4" height="4"/><rect x="1390" y="240" width="4" height="4"/><rect x="1402" y="235" width="4" height="4"/><rect x="1378" y="255" width="4" height="4"/><rect x="1402" y="255" width="4" height="4"/><rect x="1378" y="275" width="4" height="4"/><rect x="1390" y="275" width="4" height="4"/><rect x="1402" y="275" width="4" height="4"/></g><g fill="#f0a520" opacity="0.55"><rect x="1438" y="315" width="4" height="4"/><rect x="1450" y="310" width="4" height="4"/><rect x="1462" y="315" width="4" height="4"/><rect x="1438" y="330" width="4" height="4"/><rect x="1462" y="330" width="4" height="4"/><rect x="1550" y="325" width="4" height="4"/><rect x="1562" y="330" width="4" height="4"/><rect x="1574" y="325" width="4" height="4"/><rect x="1330" y="295" width="4" height="4"/><rect x="1342" y="300" width="4" height="4"/><rect x="1330" y="315" width="4" height="4"/><rect x="1342" y="315" width="4" height="4"/></g><!-- Ground/horizon glow --><rect x="0" y="460" width="1920" height="40" fill="#0d1428" opacity="0.9"/><ellipse cx="960" cy="480" rx="900" ry="60" fill="#f0a520" opacity="0.04"/><!-- Water reflection at bottom --><rect x="0" y="475" width="1920" height="25" fill="#050810"/></svg>');background-size:cover,cover;background-position:center,center;background-attachment:fixed,scroll;}
.hero-section::before{content:'';position:absolute;inset:0;background:linear-gradient(160deg,rgba(5,8,15,0.88) 0%,rgba(5,8,15,0.75) 40%,rgba(5,8,15,0.92) 100%);pointer-events:none;z-index:1;}
.hero-section::after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 50% at 50% 100%,rgba(240,165,32,.1) 0%,transparent 70%);pointer-events:none;z-index:1;}
/* hero section inner (new) */
.hero-content{position:relative;z-index:2;max-width:1300px;width:100%;margin:0 auto;text-align:center;}

.hero-inner{position:relative;z-index:2;max-width:820px;width:100%;}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--border2);border-radius:100px;padding:6px 16px;font-size:12px;font-weight:700;color:var(--muted);margin-bottom:28px;animation:fadeUp .6s ease both;}
.hero-eyebrow-dot{width:5px;height:5px;border-radius:50%;background:var(--green);animation:blink 2s infinite;flex-shrink:0;}
.hero-h1{font-size:clamp(36px,5vw,62px);font-weight:900;letter-spacing:-2px;line-height:1.08;margin-bottom:22px;animation:fadeUp .6s .1s ease both;}
.hero-h1 .plain{color:#fff;}
.hero-h1 .grad{background:linear-gradient(135deg,#f0a520 0%,#fbbf24 50%,#f0a520 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.hero-sub{font-size:16px;color:var(--text2);line-height:1.7;max-width:520px;margin:0 auto 32px;animation:fadeUp .6s .2s ease both;}
.hero-actions{display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap;margin-bottom:40px;animation:fadeUp .6s .3s ease both;}
.btn-primary{background:linear-gradient(135deg,#f0a520,#c97c0a);color:#000;border:none;border-radius:10px;padding:14px 28px;font-size:15px;font-weight:800;transition:transform .15s,box-shadow .15s;box-shadow:0 6px 24px rgba(240,165,32,.35);display:inline-flex;align-items:center;gap:8px;}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 32px rgba(240,165,32,.5);}
.btn-primary svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;}
.btn-ghost{background:rgba(255,255,255,.05);color:var(--text2);border:1px solid var(--border2);border-radius:10px;padding:14px 28px;font-size:15px;font-weight:700;transition:all .2s;display:inline-flex;align-items:center;gap:8px;}
.btn-ghost:hover{background:rgba(255,255,255,.09);border-color:var(--border2);color:#fff;}
.btn-ghost svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
/* Hero rate widget */
.hero-rate-widget{display:inline-flex;align-items:stretch;gap:0;background:var(--card);border:1px solid var(--border2);border-radius:14px;overflow:hidden;animation:fadeUp .6s .4s ease both;max-width:100%;}
.hrw-flag-strip{display:flex;align-items:center;gap:8px;padding:14px 20px;border-right:1px solid var(--border);}
.hrw-input-area{padding:14px 20px;border-right:1px solid var(--border);display:flex;flex-direction:column;gap:2px;}
.hrw-label{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;}
.hrw-inp{background:transparent;border:none;outline:none;font-size:22px;font-weight:900;color:#fff;width:100px;letter-spacing:-.5px;}
.hrw-cur{font-size:12px;font-weight:700;color:var(--amber);}
.hrw-arrow{display:flex;align-items:center;padding:0 16px;color:var(--muted);}
.hrw-arrow svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.hrw-result{padding:14px 20px;display:flex;flex-direction:column;gap:2px;min-width:160px;}
.hrw-inr{font-size:22px;font-weight:900;color:var(--amber);letter-spacing:-.5px;}
.hrw-status{font-size:11px;color:var(--muted);display:flex;align-items:center;gap:5px;}

/* ── STATS ──────────────────────────────────────── */
.stats-section{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:0;}
.stats-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);}
.stat-item{padding:32px;text-align:center;border-right:1px solid var(--border);position:relative;}
.stat-item:last-child{border-right:none;}
.stat-num{font-size:36px;font-weight:900;letter-spacing:-1.5px;color:#fff;line-height:1;margin-bottom:6px;}
.stat-num .stat-accent{background:linear-gradient(135deg,#f0a520,#fbbf24);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.stat-label{font-size:13px;font-weight:600;color:var(--muted);}

/* ── WHY SECTION ──────────────────────────────── */
.section{padding:96px 40px;}
.section-inner{max-width:1100px;margin:0 auto;}
.section-eyebrow{font-size:11px;font-weight:800;letter-spacing:1.5px;text-transform:uppercase;color:var(--amber);margin-bottom:14px;}
.section-h2{font-size:clamp(28px,4vw,46px);font-weight:900;letter-spacing:-1.5px;line-height:1.1;color:#fff;margin-bottom:16px;}
.section-h2 em{font-style:normal;background:linear-gradient(135deg,#f0a520,#fbbf24);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.section-sub{font-size:17px;color:var(--text2);line-height:1.7;max-width:560px;}
.section-header{margin-bottom:60px;}
.section-header.centered{text-align:center;}
.section-header.centered .section-sub{margin:0 auto;}
/* Feature cards */
.features-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;}
.feat-card{background:var(--card);border:1px solid var(--border);border-radius:18px;padding:36px;transition:border-color .25s,transform .25s;position:relative;overflow:hidden;}
.feat-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--amber),transparent);opacity:0;transition:opacity .25s;}
.feat-card:hover{border-color:rgba(240,165,32,.25);transform:translateY(-4px);}
.feat-card:hover::before{opacity:1;}
.feat-icon{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:22px;}
.feat-icon svg{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.feat-card h3{font-size:18px;font-weight:800;color:#fff;margin-bottom:10px;letter-spacing:-.3px;}
.feat-card p{font-size:14px;color:var(--muted);line-height:1.7;}

/* ── HOW IT WORKS ──────────────────────────────── */
.steps-section{padding:96px 40px;background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:64px;}
.step-card{padding:32px 28px;position:relative;}
.step-num{font-size:72px;font-weight:900;letter-spacing:-4px;line-height:1;color:rgba(255,255,255,.06);margin-bottom:20px;font-variant-numeric:tabular-nums;}
.step-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;background:var(--elevated);}
.step-icon svg{width:20px;height:20px;stroke:var(--amber);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.step-card h3{font-size:16px;font-weight:800;color:#fff;margin-bottom:8px;}
.step-card p{font-size:13.5px;color:var(--muted);line-height:1.65;}
.step-connector{position:absolute;top:62px;right:-12px;width:24px;height:24px;color:rgba(255,255,255,.12);}

/* ── TOOL CARDS ──────────────────────────────── */
.tools-section{padding:96px 40px;}
.tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
.tool-card{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:28px;cursor:pointer;transition:all .2s;position:relative;overflow:hidden;}
.tool-card::after{content:'→';position:absolute;top:24px;right:24px;font-size:18px;color:rgba(255,255,255,.15);transition:color .2s,transform .2s;}
.tool-card:hover{border-color:rgba(240,165,32,.2);transform:translateY(-3px);box-shadow:0 12px 32px rgba(0,0,0,.3);}
.tool-card:hover::after{color:var(--amber);transform:translateX(3px);}
.tc-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;}
.tc-icon svg{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.tc-name{font-size:15px;font-weight:800;color:#fff;margin-bottom:5px;}
.tc-desc{font-size:12.5px;color:var(--muted);line-height:1.5;}
.tc-tag{display:inline-block;font-size:10px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;padding:2px 8px;border-radius:4px;margin-top:12px;}

/* ── ARTICLE CARDS ──────────────────────────────── */
.guides-section{padding:96px 40px;background:var(--surface);border-top:1px solid var(--border);}
.guides-header{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:48px;flex-wrap:wrap;gap:20px;}
.guides-all-btn{background:var(--elevated);border:1px solid var(--border2);border-radius:9px;padding:9px 18px;font-size:13px;font-weight:700;color:var(--text2);transition:all .2s;white-space:nowrap;cursor:pointer;}
.guides-all-btn:hover{border-color:var(--amber);color:var(--amber);}
.guides-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
.guide-card{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:24px;text-decoration:none;display:block;transition:all .2s;position:relative;overflow:hidden;}
.guide-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;opacity:0;transition:opacity .2s;}
.guide-card:hover{border-color:rgba(240,165,32,.2);transform:translateY(-3px);}
.guide-card:hover::before{opacity:1;}
.gc-tag{display:inline-block;font-size:10px;font-weight:800;letter-spacing:.6px;text-transform:uppercase;padding:3px 9px;border-radius:20px;margin-bottom:12px;}
.gc-tag.banking{background:rgba(59,130,246,.15);color:#60a5fa;}
.gc-tag.banking::before{background:linear-gradient(90deg,#3b82f6,transparent);}
.gc-tag.tax{background:rgba(168,85,247,.15);color:#c084fc;}
.gc-tag.invest{background:rgba(34,197,94,.12);color:#4ade80;}
.gc-tag.transfer{background:rgba(240,165,32,.15);color:var(--amber);}
.gc-tag.planning{background:rgba(99,102,241,.15);color:#818cf8;}
.gc-tag.property{background:rgba(16,185,129,.15);color:#34d399;}
.guide-card::before{content:'';background:linear-gradient(90deg,var(--amber),transparent);}
.guide-card.banking::before{background:linear-gradient(90deg,#3b82f6,transparent);}
.guide-card.tax::before{background:linear-gradient(90deg,#a855f7,transparent);}
.guide-card.invest::before{background:linear-gradient(90deg,#22c55e,transparent);}
.gc-title{font-size:14.5px;font-weight:800;color:#fff;line-height:1.4;margin-bottom:8px;}
.gc-desc{font-size:12.5px;color:var(--muted);line-height:1.6;margin-bottom:14px;}
.gc-meta{font-size:11.5px;color:var(--muted);display:flex;align-items:center;justify-content:space-between;}
.gc-read{color:var(--amber);font-weight:700;}

/* ── CTA BANNER ──────────────────────────────── */
.cta-banner{padding:100px 40px;text-align:center;position:relative;overflow:hidden;}
.cta-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 50% 50%,rgba(240,165,32,.07) 0%,transparent 70%);pointer-events:none;}
.cta-banner-inner{position:relative;z-index:1;max-width:620px;margin:0 auto;}
.cta-banner h2{font-size:clamp(28px,4vw,48px);font-weight:900;letter-spacing:-1.5px;color:#fff;margin-bottom:16px;}
.cta-banner h2 em{font-style:normal;background:linear-gradient(135deg,#f0a520,#fbbf24);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.cta-banner p{font-size:16px;color:var(--text2);line-height:1.7;margin-bottom:36px;}
.cta-btn-row{display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap;}

/* ── FOOTER ──────────────────────────────────── */
.site-footer{background:var(--surface);border-top:1px solid var(--border);padding:64px 40px 32px;}
.footer-inner{max-width:1100px;margin:0 auto;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:56px;}
.footer-brand-logo{font-size:17px;font-weight:900;color:#fff;margin-bottom:12px;letter-spacing:-.3px;}
.footer-brand-desc{font-size:13.5px;color:var(--muted);line-height:1.7;max-width:260px;}
.footer-col h4{font-size:10px;font-weight:800;color:rgba(255,255,255,.3);text-transform:uppercase;letter-spacing:1.2px;margin-bottom:20px;}
.footer-col a{display:block;font-size:13.5px;color:var(--muted);margin-bottom:11px;transition:color .15s;}
.footer-col a:hover{color:#fff;}
.footer-bottom{border-top:1px solid var(--border);padding-top:24px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.footer-copy{font-size:12px;color:rgba(255,255,255,.25);line-height:1.6;}
.footer-copy a{color:rgba(255,255,255,.35);}
.footer-copy a:hover{color:var(--amber);}

/* ── MAIN TOOL AREA ──────────────────────────── */
.tools-main{max-width:980px;margin:0 auto;padding:48px 24px 96px;}
.tools-main-header{text-align:center;margin-bottom:40px;padding:0 24px;}
.tools-main-eyebrow{font-size:11px;font-weight:800;letter-spacing:1.5px;text-transform:uppercase;color:var(--amber);margin-bottom:10px;}
.tools-main-h2{font-size:clamp(24px,3vw,36px);font-weight:900;letter-spacing:-1px;color:#fff;margin-bottom:12px;}
.tools-main-sub{font-size:15px;color:var(--muted);}

/* ── CARD & FORM (tools) ──────────────────────── */
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px;margin-bottom:16px;position:relative;overflow:hidden;}
.card::before{content:'';position:absolute;top:0;left:24px;right:24px;height:1px;background:linear-gradient(90deg,transparent,rgba(240,165,32,.2),transparent);}
.card-hd{font-size:16px;font-weight:800;letter-spacing:-.3px;margin-bottom:6px;display:flex;align-items:center;gap:10px;}
.card-hd-bar{width:3px;height:20px;background:var(--amber);border-radius:2px;flex-shrink:0;}
.card-sub{font-size:13.5px;color:var(--muted);margin-bottom:24px;line-height:1.6;}
.fg{display:grid;grid-template-columns:repeat(auto-fit,minmax(185px,1fr));gap:14px;margin-bottom:20px;}
.fg3{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px;margin-bottom:20px;}
.f label{display:block;font-size:10.5px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.7px;margin-bottom:8px;}
.f input,.f select{width:100%;background:var(--elevated);border:1px solid var(--border2);color:var(--text);padding:13px 16px;border-radius:10px;font-size:15px;font-weight:600;transition:border-color .2s,box-shadow .2s;}
.f input:focus,.f select:focus{outline:none;border-color:var(--amber);box-shadow:0 0 0 3px var(--amber-dim);}
.f select option{background:#141929;}
.btn{border:none;border-radius:10px;padding:13px 26px;font-size:14px;font-weight:800;transition:transform .15s,box-shadow .15s;}
.btn-amber{background:linear-gradient(135deg,#f0a520,#c97c0a);color:#000;box-shadow:0 4px 18px rgba(240,165,32,.3);}
.btn-amber:hover{transform:translateY(-1px);box-shadow:0 8px 28px rgba(240,165,32,.45);}
.btn-outline{background:transparent;border:1px solid var(--border2);color:var(--muted);font-size:13px;padding:10px 18px;font-weight:600;}
.btn-outline:hover{border-color:var(--amber);color:var(--amber);}
.btn-row{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:20px;}
.rg{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin-top:24px;}
.ri{background:var(--elevated);border:1px solid var(--border);border-radius:12px;padding:18px;position:relative;overflow:hidden;}
.ri::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--amber),transparent);opacity:.6;}
.ri-lbl{font-size:10.5px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.7px;margin-bottom:8px;}
.ri-val{font-size:26px;font-weight:900;color:var(--amber);letter-spacing:-1px;line-height:1.1;}
.ri-sub{font-size:12px;color:var(--muted);margin-top:4px;}
.info{background:var(--indigo-dim);border:1px solid rgba(129,140,248,.18);border-radius:12px;padding:14px 18px;font-size:13px;color:#a5b4fc;line-height:1.7;margin-bottom:16px;}
.box-green{background:var(--green-dim);border:1px solid rgba(34,211,154,.2);border-radius:12px;padding:16px 18px;font-size:13.5px;color:#6ee7b7;margin-top:16px;line-height:1.7;}
.box-amber{background:var(--amber-dim);border:1px solid var(--amber-glow);border-radius:12px;padding:18px;margin-top:16px;}
.box-red{background:var(--red-dim);border:1px solid rgba(245,101,112,.2);border-radius:12px;padding:16px 18px;font-size:13.5px;color:#fca5a5;margin-top:16px;line-height:1.7;}

/* ── LIVE RATES ──────────────────────────────── */
.rates-wrap{display:flex;flex-direction:column;gap:8px;}
.rates-loading{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:56px;color:var(--muted);gap:16px;font-size:14px;}
.spin{width:28px;height:28px;border:3px solid rgba(240,165,32,.15);border-top-color:var(--amber);border-radius:50%;animation:rot .7s linear infinite;}
.rate-row{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:16px 20px;display:grid;grid-template-columns:auto 1fr auto auto;align-items:center;gap:16px;transition:border-color .15s,transform .15s;position:relative;overflow:hidden;}
.rate-row::before{content:'';position:absolute;left:0;top:8px;bottom:8px;width:3px;background:transparent;border-radius:0 3px 3px 0;transition:background .2s;}
.rate-row.best::before{background:var(--green);}
.rate-row:hover{border-color:var(--border2);transform:translateX(3px);}
.rate-row.best{border-color:rgba(34,211,154,.22);}
.pbadge{width:44px;height:44px;border-radius:11px;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:900;letter-spacing:-.5px;border:1px solid rgba(255,255,255,.08);}
.pname{font-size:14px;font-weight:700;display:flex;align-items:center;gap:8px;margin-bottom:4px;}
.best-tag{background:var(--green-dim);border:1px solid rgba(34,211,154,.25);color:var(--green);font-size:10px;font-weight:800;padding:2px 9px;border-radius:100px;letter-spacing:.5px;}
.pmeta{font-size:12px;color:var(--muted);}
.pbar-col{display:flex;flex-direction:column;gap:6px;min-width:120px;}
.pbar-track{height:4px;background:rgba(255,255,255,.06);border-radius:2px;overflow:hidden;}
.pbar-fill{height:100%;border-radius:2px;transition:width .7s cubic-bezier(.34,1.56,.64,1);}
.pamount{font-size:20px;font-weight:900;letter-spacing:-.5px;}
.pamount-sub{font-size:11.5px;color:var(--muted);}
.rate-cta{background:linear-gradient(135deg,#f0a520,#c97c0a);color:#000;border:none;padding:10px 18px;border-radius:9px;font-size:12.5px;font-weight:800;white-space:nowrap;transition:transform .15s,box-shadow .15s;display:inline-block;}
.rate-cta:hover{transform:translateY(-1px);box-shadow:0 4px 18px rgba(240,165,32,.45);}
.rate-cta.disabled{opacity:.3;pointer-events:none;}
.rate-note{margin-top:14px;padding:14px 18px;background:rgba(99,102,241,.07);border:1px solid rgba(99,102,241,.2);border-radius:12px;font-size:12.5px;color:var(--text);line-height:1.75;display:flex;align-items:flex-start;gap:10px;}
.amount-strip{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:20px;background:var(--elevated);border:1px solid var(--border2);border-radius:14px;padding:16px 20px;}
.amount-strip label{font-size:13px;font-weight:700;color:var(--muted);white-space:nowrap;}
.amount-strip input{background:rgba(255,255,255,.06);border:none;border-bottom:2px solid var(--amber);border-radius:6px 6px 0 0;font-size:26px;font-weight:900;color:var(--text);width:140px;outline:none;letter-spacing:-1px;padding:4px 6px;transition:background .2s;}
.amount-strip input:focus{background:rgba(240,165,32,.08);}
.amount-strip .cur-tag{font-size:13px;font-weight:800;color:var(--amber);background:var(--amber-dim);padding:5px 12px;border-radius:8px;}
.mkt-rate-card{background:var(--elevated);border:1px solid var(--border2);border-radius:14px;padding:20px 24px;margin-bottom:20px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;}
.mkt-rate-label{font-size:12px;font-weight:700;color:var(--muted);display:flex;align-items:center;gap:8px;margin-bottom:6px;text-transform:uppercase;letter-spacing:.5px;}
.mkt-xe-badge{background:var(--elevated);border:1px solid var(--border2);border-radius:4px;padding:2px 7px;font-size:10px;font-weight:800;color:var(--muted);}
.mkt-rate-val{font-size:22px;font-weight:900;color:#fff;letter-spacing:-.5px;margin-bottom:4px;}
.mkt-rate-sub{font-size:12px;color:var(--muted);}
.mkt-vs-bar{margin-top:10px;}
.mkt-right{text-align:right;}
.mkt-receive-label{font-size:12px;color:var(--muted);margin-bottom:6px;}
.mkt-receive-val{font-size:26px;font-weight:900;color:var(--amber);letter-spacing:-1px;}
.mkt-receive-note{font-size:12px;color:var(--muted);margin-top:4px;}

/* ── TABLES ──────────────────────────────────── */
.cmp-wrap,.amort-wrap{overflow-x:auto;}
.cmp-table,.amort-table{width:100%;border-collapse:separate;border-spacing:0;font-size:13.5px;}
.cmp-table th,.amort-table th{background:var(--elevated);padding:12px 16px;text-align:left;font-weight:700;font-size:11px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);}
.cmp-table th:first-child,.amort-table th:first-child{border-radius:10px 0 0 0;}
.cmp-table th:last-child,.amort-table th:last-child{border-radius:0 10px 0 0;}
.cmp-table td,.amort-table td{padding:13px 16px;border-bottom:1px solid var(--border);color:var(--text);}
.cmp-table td:not(:first-child){text-align:center;}
.cmp-table tr:last-child td,.amort-table tr:last-child td{border-bottom:none;}
.cmp-table tr:hover td,.amort-table tr:hover td{background:rgba(255,255,255,.02);}
.amort-table td{text-align:right;font-variant-numeric:tabular-nums;}
.amort-table td:first-child{text-align:center;font-weight:700;color:var(--muted);}
.amort-table tr:last-child td{background:var(--elevated);font-weight:800;}
.amort-table .principal{color:var(--green);}
.amort-table .interest{color:var(--red);}
.yes{color:var(--green);font-weight:700;}
.no{color:var(--red);font-weight:700;}
.par{color:var(--amber);font-weight:700;}

/* ── BANK RATES ──────────────────────────────── */
.bank-rates-grid{display:flex;flex-direction:column;gap:8px;margin-top:10px;}
.bank-row{background:var(--elevated);border:1px solid var(--border);border-radius:12px;padding:14px 18px;display:grid;grid-template-columns:auto 1fr repeat(4,82px);align-items:center;gap:14px;transition:border-color .15s;}
.bank-row:hover{border-color:var(--border2);}
.bank-logo{width:40px;height:40px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:900;border:1px solid rgba(255,255,255,.08);}
.bank-name-col .bname{font-size:14px;font-weight:700;margin-bottom:2px;}
.bank-name-col .btype{font-size:11.5px;color:var(--muted);}
.rate-cell{text-align:center;}
.rate-cell .rv{font-size:15px;font-weight:800;color:var(--amber);}
.rate-cell .rl{font-size:10px;color:var(--muted);}
.rates-thead{display:grid;grid-template-columns:auto 1fr repeat(4,82px);gap:14px;padding:8px 18px;font-size:10.5px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;}
.rates-thead span:not(:first-child):not(:nth-child(2)){text-align:center;}
.bank-row.highlight{border-color:rgba(34,211,154,.25);background:rgba(34,211,154,.03);}
.highest-tag{background:var(--green-dim);border:1px solid rgba(34,211,154,.2);color:var(--green);font-size:10px;font-weight:800;padding:2px 8px;border-radius:100px;margin-left:6px;}

/* ── TOOL BANNER ──────────────────────────────── */
.tool-banner{display:flex;flex-direction:row;align-items:center;gap:16px;margin-bottom:20px;padding:16px 20px;min-height:auto;background:var(--card);border:1px solid var(--border);border-radius:14px;position:relative;overflow:hidden;text-align:left;}
.tool-banner::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--amber),transparent);}
.tool-banner-icon{width:56px;height:56px;border-radius:14px;display:flex;align-items:center;justify-content:center;flex-shrink:0;background:rgba(240,165,32,0.2);border:1px solid rgba(240,165,32,0.3);}
.tool-banner-icon svg{width:28px;height:28px;stroke:var(--amber);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.tool-banner-body h2{font-size:clamp(22px,3vw,32px);font-weight:900;letter-spacing:-.6px;margin-bottom:10px;line-height:1.15;}
.tool-banner-body p{font-size:15px;color:var(--muted);line-height:1.6;max-width:680px;}

/* ── DRAWER ──────────────────────────────────── */
.drawer-overlay{position:fixed;inset:0;background:rgba(0,0,0,.7);z-index:500;display:none;backdrop-filter:blur(4px);}
.drawer{position:fixed;left:0;top:0;bottom:0;width:300px;background:var(--surface);border-right:1px solid var(--border2);z-index:600;transform:translateX(-100%);transition:transform .3s cubic-bezier(.16,1,.3,1);display:flex;flex-direction:column;overflow-y:auto;}
.drawer.open{transform:translateX(0);}
.drawer-head{padding:20px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;}
.drawer-brand{font-size:16px;font-weight:900;color:#fff;}
.drawer-brand span{color:var(--amber);}
.drawer-sub{font-size:11.5px;color:var(--muted);margin-top:2px;}
.drawer-close{background:var(--elevated);border:1px solid var(--border2);border-radius:8px;width:32px;height:32px;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:16px;transition:all .2s;}
.drawer-close:hover{border-color:var(--amber);color:var(--amber);}
.drawer-section-lbl{font-size:10px;font-weight:800;color:rgba(255,255,255,.3);text-transform:uppercase;letter-spacing:1px;padding:16px 20px 8px;}
.drawer-item{display:flex;align-items:center;gap:14px;padding:11px 20px;cursor:pointer;transition:background .15s;margin:2px 8px;border-radius:10px;}
.drawer-item:hover,.drawer-item.active{background:var(--elevated);}
.drawer-item.active .drawer-name{color:var(--amber);}
.drawer-icon{width:34px;height:34px;border-radius:8px;background:var(--elevated);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.drawer-icon svg{width:16px;height:16px;stroke:var(--amber);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.drawer-name{font-size:13.5px;font-weight:700;color:var(--text2);}
.drawer-desc{font-size:11.5px;color:var(--muted);}
.drawer-footer{margin-top:auto;padding:16px 20px;border-top:1px solid var(--border);font-size:11px;color:var(--muted);line-height:1.6;}
.drawer-info{padding:12px 20px;}

/* ── ACTIVE TOOL BAR (mobile) ──────────────────── */
.active-tool-bar{display:none;align-items:center;gap:14px;padding:12px 20px;background:var(--card);border-bottom:1px solid var(--border);cursor:pointer;position:sticky;top:64px;z-index:100;}
.atb-icon{width:34px;height:34px;border-radius:8px;background:var(--amber-dim);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.atb-icon svg{width:16px;height:16px;stroke:var(--amber);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.atb-name{font-size:14px;font-weight:700;}
.atb-hint{font-size:11px;color:var(--muted);}
.atb-chevron{margin-left:auto;color:var(--muted);}

/* ── TOOL SECTION TABS ──────────────────────────── */
.tool-section{display:none;animation:fadeUp .25s ease;}
.tool-section.active{display:block;}
.tab-nav-shell{background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:6px;margin-bottom:36px;display:flex;gap:4px;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;}
.tab-nav-shell::-webkit-scrollbar{display:none;}
.tab-btn{flex:1;padding:12px 16px;background:transparent;border:none;font-size:13px;font-weight:600;color:var(--muted);white-space:nowrap;border-radius:10px;min-width:fit-content;transition:all .2s;}
.tab-btn:hover{color:var(--text);}
.tab-btn.active{background:var(--elevated);color:var(--text);box-shadow:0 2px 12px rgba(0,0,0,.35),0 0 0 1px var(--border);}

/* ── VARIOUS TOOL-SPECIFIC ──────────────────────── */
.rec-result{background:var(--indigo-dim);border:1px solid rgba(129,140,248,.2);border-radius:12px;padding:20px;font-size:14px;color:#c7d2fe;line-height:1.75;margin-top:16px;}
.rec-result a{color:var(--amber);}
.rec-result strong{color:#e0e7ff;}
.prog-bar-mini{height:4px;background:rgba(255,255,255,.06);border-radius:2px;overflow:hidden;margin-top:4px;}
.prog-fill{height:100%;background:var(--green);border-radius:2px;}
.year-table-wrap{overflow-x:auto;margin-top:16px;}
.year-table{width:100%;border-collapse:separate;border-spacing:0;font-size:13px;}
.year-table th{background:var(--elevated);padding:11px 14px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);}
.year-table td{padding:10px 14px;border-bottom:1px solid var(--border);font-variant-numeric:tabular-nums;color:var(--text);}
.year-table tr:last-child td{border-bottom:none;background:var(--elevated);font-weight:700;}
.year-table tr:hover td{background:rgba(255,255,255,.02);}
.exp-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin-bottom:20px;}
.checklist-item{display:flex;align-items:flex-start;gap:12px;padding:14px;background:var(--elevated);border:1px solid var(--border);border-radius:12px;transition:border-color .2s;}
.checklist-item.done{border-color:rgba(34,211,154,.25);}
.checklist-item input[type=checkbox]{accent-color:var(--green);width:16px;height:16px;flex-shrink:0;margin-top:2px;}
.checklist-title{font-size:13.5px;font-weight:700;color:var(--text);margin-bottom:3px;}
.checklist-desc{font-size:12px;color:var(--muted);line-height:1.6;}
.checklist-link{font-size:11.5px;color:var(--amber);font-weight:700;}
.checklist-phase{font-size:11px;font-weight:800;color:var(--muted);text-transform:uppercase;letter-spacing:.8px;margin:20px 0 10px;display:flex;align-items:center;gap:8px;}
.checklist-phase::after{content:'';flex:1;height:1px;background:var(--border);}
.checklist-progress{background:var(--elevated);border:1px solid var(--border);border-radius:12px;padding:14px 18px;margin-bottom:16px;display:flex;align-items:center;gap:14px;}
.cp-track{flex:1;height:6px;background:rgba(255,255,255,.06);border-radius:3px;overflow:hidden;}
.cp-fill{height:100%;background:linear-gradient(90deg,var(--amber),var(--green));border-radius:3px;transition:width .4s ease;}
.cp-label{font-size:12px;font-weight:700;color:var(--muted);white-space:nowrap;}
.rg-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:16px 0;}
.rg-card{background:var(--elevated);border:1px solid var(--border);border-radius:12px;padding:16px;}
.rg-lbl{font-size:11px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px;}
.rg-val{font-size:22px;font-weight:900;color:var(--amber);letter-spacing:-.5px;}
.rg-sub{font-size:11.5px;color:var(--muted);margin-top:3px;}
.calc-cur-bar{display:flex;align-items:center;gap:12px;background:var(--elevated);border:1px solid var(--border2);border-radius:10px;padding:10px 16px;margin-bottom:16px;flex-wrap:wrap;}
.ccb-flag{font-size:18px;}
.ccb-rate{font-size:13px;font-weight:700;color:var(--amber);}
.ccb-convert{display:flex;align-items:center;gap:8px;margin-left:auto;}
.ccb-inp{background:var(--surface);border:1px solid var(--border2);color:var(--text);padding:6px 10px;border-radius:8px;font-size:13px;font-weight:700;width:100px;outline:none;}
.ccb-result{font-size:13px;font-weight:800;color:var(--amber);}
.art-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px;margin-top:20px;}
.art-card{background:var(--card);border:1px solid var(--border2);border-radius:14px;padding:20px 22px;cursor:pointer;transition:all .2s;position:relative;overflow:hidden;}
.art-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--amber),var(--teal));opacity:0;transition:opacity .2s;}
.art-card:hover{border-color:var(--amber-glow);transform:translateY(-2px);}
.art-card:hover::before{opacity:1;}
.art-tag{display:inline-block;font-size:10px;font-weight:800;letter-spacing:.8px;text-transform:uppercase;padding:3px 9px;border-radius:20px;margin-bottom:10px;}
.art-tag.tax{background:rgba(99,102,241,.15);color:#818cf8;}
.art-tag.banking{background:rgba(20,184,166,.15);color:var(--teal);}
.art-tag.property{background:rgba(240,165,32,.15);color:var(--amber);}
.art-tag.transfer{background:rgba(74,222,128,.15);color:var(--green);}
.art-tag.planning{background:rgba(251,146,60,.15);color:#fb923c;}
.art-tag.invest{background:rgba(34,197,94,.12);color:#4ade80;}
.art-title{font-size:15px;font-weight:800;color:var(--text);line-height:1.4;margin-bottom:8px;}
.art-summary{font-size:12.5px;color:var(--muted);line-height:1.6;margin-bottom:14px;}
.art-meta{display:flex;align-items:center;justify-content:space-between;font-size:11px;color:var(--muted);}
.art-read-btn{font-size:11px;font-weight:700;color:var(--amber);display:flex;align-items:center;gap:4px;}
.art-reader{max-width:760px;margin:0 auto;}
.art-reader-back{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:700;color:var(--muted);cursor:pointer;padding:8px 0;margin-bottom:20px;border:none;background:none;}
.art-reader-back:hover{color:var(--amber);}
.art-reader-tag{display:inline-block;font-size:10px;font-weight:800;letter-spacing:.8px;text-transform:uppercase;padding:3px 9px;border-radius:20px;margin-bottom:14px;}
.art-reader h1{font-size:26px;font-weight:900;color:var(--text);line-height:1.3;margin-bottom:8px;}
.art-reader-meta{font-size:12px;color:var(--muted);margin-bottom:28px;padding-bottom:20px;border-bottom:1px solid var(--border);}
.art-reader h2{font-size:17px;font-weight:800;color:var(--text);margin:28px 0 12px;}
.art-reader h3{font-size:14px;font-weight:700;color:var(--amber);margin:20px 0 8px;text-transform:uppercase;letter-spacing:.4px;}
.art-reader p{font-size:14px;color:var(--muted);line-height:1.8;margin-bottom:14px;}
.art-reader ul,.art-reader ol{font-size:14px;color:var(--muted);line-height:1.8;margin:0 0 14px 0;padding-left:20px;}
.art-reader li{margin-bottom:6px;}
.art-reader strong{color:var(--text);}
.art-callout{background:rgba(240,165,32,.07);border-left:3px solid var(--amber);border-radius:0 10px 10px 0;padding:14px 18px;margin:20px 0;font-size:13.5px;color:var(--text);line-height:1.7;}
.art-callout.green{background:rgba(74,222,128,.07);border-left-color:var(--green);}
.art-callout.indigo{background:rgba(99,102,241,.07);border-left-color:#818cf8;}
.art-cta{background:linear-gradient(135deg,var(--amber-dim),rgba(20,184,166,.07));border:1px solid var(--amber-glow);border-radius:12px;padding:18px 20px;margin-top:28px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;}
.art-cta-text{font-size:13.5px;color:var(--text);font-weight:700;}
.art-cta-sub{font-size:12px;color:var(--muted);margin-top:3px;}
.art-cta-btn{background:linear-gradient(135deg,#f0a520,#c97c0a);color:#000;border:none;padding:9px 18px;border-radius:9px;font-size:13px;font-weight:800;cursor:pointer;white-space:nowrap;}
.art-table{width:100%;border-collapse:collapse;margin:16px 0;font-size:13px;}
.art-table th{background:var(--elevated);padding:10px 14px;text-align:left;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);border-bottom:1px solid var(--border);}
.art-table td{padding:10px 14px;border-bottom:1px solid var(--border);color:var(--muted);line-height:1.5;}
.art-table tr:last-child td{border-bottom:none;}
.art-table td:first-child{font-weight:700;color:var(--text);}
.art-search-wrap{margin-bottom:20px;position:relative;}
.art-search-input{width:100%;background:var(--surface);border:1px solid var(--border2);border-radius:12px;padding:12px 16px 12px 42px;font-size:14px;color:var(--text);font-family:'Inter',sans-serif;outline:none;transition:border-color .2s;}
.art-search-input::placeholder{color:var(--muted);}
.art-search-input:focus{border-color:var(--teal);}
.art-search-icon{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:16px;pointer-events:none;opacity:.5;}
.art-no-results{text-align:center;padding:40px 20px;color:var(--muted);font-size:14px;display:none;}
.hl-lead-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.hl-lead-lbl{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;display:block;margin-bottom:5px;}
.hl-lead-inp{width:100%;background:var(--surface);border:1px solid var(--border);color:var(--text);border-radius:8px;padding:9px 12px;font-size:14px;box-sizing:border-box;font-family:inherit;}
.hl-lead-inp:focus{outline:none;border-color:var(--amber);}
/* jump nav */
#jumpNav{display:none;position:sticky;top:64px;z-index:90;background:rgba(5,8,15,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);padding:0 24px;}
.jn-link{flex-shrink:0;font-size:12px;font-weight:600;color:var(--muted);padding:10px 14px;border-bottom:2px solid transparent;cursor:pointer;transition:color .2s,border-color .2s;white-space:nowrap;}
.jn-link:hover,.jn-link.active{color:var(--teal);border-bottom-color:var(--teal);}
/* dash strip */
.dash-strip{background:var(--surface);border-bottom:1px solid var(--border);}
.dash-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);}
.dash-m{padding:20px 28px;border-right:1px solid var(--border);display:flex;align-items:center;gap:14px;}
.dash-m:last-child{border-right:none;}
.dm-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.dm-icon svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.dm-lbl{font-size:11px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:2px;}
.dm-val{font-size:18px;font-weight:900;color:#fff;letter-spacing:-.3px;}
.dm-sub{font-size:11px;color:var(--muted);}
/* tools trigger btn */
.tools-trigger{display:flex;align-items:center;gap:7px;background:var(--elevated);border:1px solid var(--border2);border-radius:9px;padding:8px 14px;font-size:13px;font-weight:700;color:var(--text2);transition:all .2s;cursor:pointer;}
.tools-trigger:hover{border-color:var(--amber);color:var(--amber);}
.tools-trigger svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2;}
/* misc */
.feat-tag{display:inline-block;font-size:10px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;padding:3px 9px;border-radius:20px;width:fit-content;}
.feat-tag.banking{background:rgba(59,130,246,.15);color:#60a5fa;}
.feat-tag.invest{background:rgba(34,197,94,.12);color:#4ade80;}
.feat-tag.transfer{background:rgba(240,165,32,.15);color:var(--amber);}
.feat-tag.tax{background:rgba(168,85,247,.15);color:#c084fc;}
.feat-tag.planning{background:rgba(99,102,241,.15);color:#818cf8;}
.feat-tag.property{background:rgba(16,185,129,.15);color:#34d399;}
.har{display:flex;align-items:center;gap:8px;background:var(--elevated);border:1px solid var(--border2);border-radius:12px;padding:12px 16px;margin:16px 0;flex-wrap:wrap;}
.har-lbl{font-size:12px;font-weight:700;color:var(--muted);}
.har-inp{background:transparent;border:none;border-bottom:2px solid var(--amber);font-size:22px;font-weight:900;color:#fff;width:120px;outline:none;padding:0 4px;}
.har-cur{font-size:13px;font-weight:800;color:var(--amber);background:var(--amber-dim);padding:4px 10px;border-radius:7px;}
.har-sep{color:var(--muted);font-size:16px;}
.har-rcv{font-size:22px;font-weight:900;color:var(--amber);letter-spacing:-.5px;}
.cflags{display:flex;flex-wrap:wrap;gap:6px;margin:12px 0;}
.cflag{background:var(--elevated);border:1px solid var(--border);border-radius:8px;padding:5px 10px;font-size:12px;font-weight:700;color:var(--muted);display:flex;align-items:center;gap:5px;transition:all .2s;cursor:pointer;}
.cflag.active,.cflag:hover{border-color:var(--amber);color:var(--amber);}
.hrd-eyebrow{font-size:11px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.8px;margin-bottom:6px;}
.hrd-main{display:flex;align-items:baseline;gap:6px;margin-bottom:8px;}
.hrd-sym{font-size:28px;font-weight:900;color:var(--amber);}
.hrd-val{font-size:52px;font-weight:900;color:#fff;letter-spacing:-2px;line-height:1;}
.hrd-status{font-size:12px;color:var(--muted);display:flex;align-items:center;gap:6px;margin-bottom:14px;}
.hero-cta{background:linear-gradient(135deg,#f0a520,#c97c0a);color:#000;border:none;border-radius:10px;padding:11px 22px;font-size:14px;font-weight:800;transition:transform .15s,box-shadow .15s;box-shadow:0 6px 24px rgba(240,165,32,.35);cursor:pointer;}
.hero-cta:hover{transform:translateY(-2px);box-shadow:0 10px 32px rgba(240,165,32,.5);}
/* tool launcher (hero right) */
.tool-launcher{background:var(--card);border:1px solid var(--border2);border-radius:16px;padding:18px;}
.tl-hd{font-size:11px;font-weight:800;color:rgba(255,255,255,.3);text-transform:uppercase;letter-spacing:1px;margin-bottom:14px;}
.tl-cat-lbl{font-size:10px;font-weight:800;color:rgba(255,255,255,.3);text-transform:uppercase;letter-spacing:1px;padding:10px 2px 6px;border-top:1px solid var(--border);margin-top:6px;}
.tl-cat-lbl:first-of-type{border-top:none;margin-top:0;padding-top:4px;}
.tl-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:4px;}
.tl-grid-1{grid-template-columns:1fr;}
.tl-card{background:var(--elevated);border:1px solid var(--border);border-radius:11px;padding:12px;display:flex;align-items:center;gap:10px;cursor:pointer;transition:all .2s;}
.tl-card:hover{border-color:var(--amber-glow);background:rgba(240,165,32,.06);}
.tl-card-wide{padding:12px 16px;}
.tl-ico{width:32px;height:32px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.tl-ico svg{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.tl-nm{font-size:12.5px;font-weight:700;color:var(--text);line-height:1.3;}
.tl-ds{font-size:11px;color:var(--muted);}
.tl-c-teal{background:var(--teal-dim);color:var(--teal);}
.tl-c-blue{background:rgba(59,130,246,.1);color:#60a5fa;}
.tl-c-green{background:var(--green-dim);color:var(--green);}
.tl-c-amber{background:var(--amber-dim);color:var(--amber);}
.tl-c-sky{background:rgba(14,165,233,.1);color:#38bdf8;}
.tl-c-red{background:var(--red-dim);color:var(--red);}
.tl-c-purple{background:rgba(168,85,247,.1);color:#c084fc;}
/* rate preview */
.rate-preview-card{background:var(--card);border:1px solid var(--border2);border-radius:14px;padding:14px;position:relative;overflow:hidden;box-shadow:0 24px 64px rgba(0,0,0,.4);}
.rate-preview-card::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(240,165,32,.4),transparent);}
.rpc-label{font-size:11px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.8px;margin-bottom:14px;}
.rpc-rows{display:flex;flex-direction:column;gap:6px;}
.rpc-row{display:flex;align-items:center;gap:10px;background:var(--elevated);border-radius:10px;padding:8px 12px;}
.rpc-badge{width:36px;height:36px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:900;flex-shrink:0;}
.rpc-info{flex:1;}
.rpc-name{font-size:13px;font-weight:700;color:var(--text);display:flex;align-items:center;gap:7px;}
.rpc-note{font-size:11.5px;color:var(--muted);margin-top:2px;}
.rpc-amount{text-align:right;}
.rpc-inr{font-size:16px;font-weight:900;color:var(--amber);}
.rpc-rate{font-size:11px;color:var(--muted);}
.rpc-row:first-child .rpc-inr{color:var(--green);}
.rpc-footer{margin-top:14px;padding-top:14px;border-top:1px solid var(--border);font-size:11.5px;color:var(--muted);line-height:1.6;}
.rpc-live-tag{display:inline-flex;align-items:center;gap:5px;color:var(--green);font-weight:700;}
/* hero section (original live rate widget area) */
.hero{padding-top:0;position:relative;overflow:hidden;}
.hero-bg{display:none;}
.hero .hero-inner{max-width:1100px;margin:0 auto;padding:0 32px 48px;display:grid;grid-template-columns:1fr 380px;gap:44px;align-items:start;}
.hero-loc-label{display:none;}
.trust-strip{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:16px;}
.trust-item{font-size:11.5px;font-weight:600;color:var(--text2);padding:4px 10px;background:rgba(255,255,255,.04);border:1px solid var(--border);border-radius:20px;}
.trust-icon{display:none;}
.trust-sep{display:none;}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--amber-dim);border:1px solid var(--amber-glow);border-radius:100px;padding:5px 14px;font-size:11.5px;font-weight:700;color:var(--amber);margin-bottom:14px;}
.hero-reads{display:none;}
.hr-card,.hr-view-all{display:none;}
/* journey section */
.journey-section{padding:0 0 64px;}
.journey-inner{max-width:1100px;margin:0 auto;padding:0 40px;}
.journey-header{display:none;}
.journey-steps{display:flex;align-items:stretch;gap:0;overflow-x:auto;padding-bottom:8px;}
.journey-step{flex:1;min-width:160px;background:var(--card);border:1px solid var(--border);border-radius:14px;padding:22px 18px;cursor:pointer;transition:all .2s;position:relative;text-align:center;}
.journey-step:hover{border-color:var(--amber-glow);background:var(--elevated);transform:translateY(-3px);}
.js-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin:0 auto 10px;background:var(--elevated);}
.js-icon svg{width:22px;height:22px;stroke:var(--amber);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.js-num{font-size:10px;font-weight:800;color:var(--amber);letter-spacing:1px;margin-bottom:6px;}
.js-title{font-size:14px;font-weight:800;color:var(--text);margin-bottom:8px;}
.js-desc{font-size:11px;color:var(--muted);line-height:1.5;margin-bottom:12px;}
.js-cta{font-size:11px;font-weight:700;color:var(--amber);opacity:.8;}
.journey-step:hover .js-cta{opacity:1;}
.journey-arrow{display:flex;align-items:center;padding:0 8px;color:var(--border2);font-size:20px;flex-shrink:0;align-self:center;}
/* feat section */
.feat-section{padding:64px 40px;background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.feat-inner{max-width:1100px;margin:0 auto;}
.feat-header{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:40px;flex-wrap:wrap;gap:16px;}
.feat-eyebrow{font-size:11px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:var(--amber);margin-bottom:6px;}
.feat-title{font-size:clamp(20px,3vw,28px);font-weight:900;color:#fff;letter-spacing:-.5px;}
.feat-all-btn{background:var(--elevated);border:1px solid var(--border2);border-radius:9px;padding:9px 18px;font-size:13px;font-weight:700;color:var(--text2);transition:all .2s;white-space:nowrap;cursor:pointer;}
.feat-all-btn:hover{border-color:var(--amber);color:var(--amber);}
.feat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px;}
.feat-card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:22px 24px;text-decoration:none;display:block;transition:all .2s;position:relative;overflow:hidden;}
.feat-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--amber),transparent);opacity:0;transition:opacity .2s;}
.feat-card:hover{border-color:var(--amber-glow);transform:translateY(-2px);}
.feat-card:hover::before{opacity:1;}
.feat-card-title{font-size:14.5px;font-weight:800;color:#fff;line-height:1.4;margin-bottom:8px;}
.feat-card-desc{font-size:12.5px;color:var(--muted);line-height:1.6;margin-bottom:14px;}
.feat-card-meta{font-size:12px;color:var(--amber);font-weight:700;}
.feat-card-hot::after{content:'Hot';position:absolute;top:14px;right:14px;background:rgba(245,101,112,.15);color:var(--red);font-size:9px;font-weight:800;letter-spacing:.6px;text-transform:uppercase;padding:2px 8px;border-radius:4px;}
/* Responsive */
@media(max-width:900px){
  .hero-inner{grid-template-columns:1fr;}
  .hero-right{display:none;}
  .steps-grid,.features-grid{grid-template-columns:1fr 1fr;}
  .tools-grid,.guides-grid{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .stats-inner{grid-template-columns:repeat(2,1fr);}
  nav.site-nav{padding:0 20px;}
  .nav-links-center{display:none;}
  .section{padding:64px 24px;}
  .steps-section{padding:64px 24px;}
}
@media(max-width:640px){
  .hero-section{padding:88px 24px 48px;}
  .features-grid,.steps-grid,.tools-grid,.guides-grid{grid-template-columns:1fr;}
  .stats-inner{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .active-tool-bar{display:flex;}
  .hero-inner{padding:0 20px 40px;}
  .feat-section{padding:48px 20px;}
  .journey-section{padding:0 0 40px;}
  .journey-inner{padding:0 20px;}
}
@media print{nav,footer,.tab-nav-shell,.active-tool-bar,.drawer,.drawer-overlay,.btn-row,.hero,.feat-section,.tool-banner{display:none!important;}}

/* ── LIGHT THEME ─────────────────────────────────────────────────────── */
[data-theme="light"]{
  --bg:#f4f6fb;
  --surface:#ffffff;
  --card:#ffffff;
  --elevated:#eaeff7;
  --border:rgba(15,23,42,0.08);
  --border2:rgba(15,23,42,0.18);
  --text:#0f172a;
  --text2:#1e293b;
  --muted:#4b5675;
  /* Darker accent colours for contrast on white */
  --amber:#b45309;--amber-light:#d97706;
  --amber-dim:rgba(180,83,9,0.1);
  --amber-glow:rgba(180,83,9,0.25);
  --teal:#0d7a6e;
  --teal-dim:rgba(13,122,110,0.1);
  --green:#15803d;
  --green-dim:rgba(21,128,61,0.1);
  --red:#dc2626;
  --red-dim:rgba(220,38,38,0.1);
  --indigo:#4338ca;
  --indigo-dim:rgba(67,56,202,0.1);
}
[data-theme="light"] body{background:var(--bg);}
[data-theme="light"] nav.site-nav{background:rgba(244,246,251,0.92)!important;border-bottom-color:rgba(15,23,42,0.1)!important;}
[data-theme="light"] .hero-section::before{background:linear-gradient(160deg,rgba(15,23,42,0.72) 0%,rgba(15,23,42,0.6) 40%,rgba(15,23,42,0.78) 100%);}
[data-theme="light"] .cur-btn{background:var(--elevated);border-color:var(--border2);}
[data-theme="light"] .cur-panel{background:var(--surface);}
[data-theme="light"] .cur-item:hover,[data-theme="light"] .cur-item.active{background:var(--elevated);}
[data-theme="light"] .nav-cta{box-shadow:0 4px 14px rgba(240,165,32,.4);}
[data-theme="light"] .stat-item{color:var(--text);}
[data-theme="light"] .stat-num{color:var(--text);}
[data-theme="light"] .card{background:var(--card);border-color:var(--border);}
[data-theme="light"] .card::before{background:linear-gradient(90deg,transparent,rgba(240,165,32,.15),transparent);}
[data-theme="light"] .f input,[data-theme="light"] .f select{background:var(--elevated);border-color:var(--border2);color:var(--text);}
[data-theme="light"] .f select option{background:var(--surface);color:var(--text);}
[data-theme="light"] .ri{background:var(--elevated);}
[data-theme="light"] .rate-row{background:var(--card);}
[data-theme="light"] .mkt-rate-card{background:var(--elevated);}
[data-theme="light"] .bank-row{background:var(--elevated);}
[data-theme="light"] .tab-nav-shell{background:var(--surface);}
[data-theme="light"] .tab-btn.active{background:var(--elevated);}
[data-theme="light"] .tool-banner{background:var(--card);}
[data-theme="light"] .art-card{background:var(--card);}
[data-theme="light"] .feat-card{background:var(--card);}
[data-theme="light"] .guide-card{background:var(--card);}
[data-theme="light"] .tool-card{background:var(--card);}
[data-theme="light"] .step-card{background:transparent;}
[data-theme="light"] .drawer{background:var(--surface);border-right-color:var(--border2);}
[data-theme="light"] .drawer-item:hover,[data-theme="light"] .drawer-item.active{background:var(--elevated);}
[data-theme="light"] .tl-card{background:var(--elevated);}
[data-theme="light"] .amount-strip{background:var(--elevated);}
[data-theme="light"] .info{background:rgba(129,140,248,.07);}
[data-theme="light"] .rpc-row{background:var(--elevated);}
[data-theme="light"] .rate-preview-card{background:var(--card);}
[data-theme="light"] .hero-rate-widget{background:rgba(255,255,255,0.15);backdrop-filter:blur(16px);border-color:rgba(255,255,255,0.3);}
[data-theme="light"] .hrw-inp,[data-theme="light"] .hrw-inr{color:#fff;}
[data-theme="light"] .hrw-label,[data-theme="light"] .hrw-status,[data-theme="light"] .hrw-cur{color:rgba(255,255,255,0.7);}
[data-theme="light"] .hrw-flag-strip,[data-theme="light"] .hrw-input-area,[data-theme="light"] .hrw-arrow{border-color:rgba(255,255,255,0.2);}
[data-theme="light"] ::-webkit-scrollbar-track{background:var(--surface);}
[data-theme="light"] ::-webkit-scrollbar-thumb{background:rgba(15,23,42,0.15);}

[data-theme="light"] .stats-section{background:var(--surface);border-color:var(--border);}
[data-theme="light"] .steps-section{background:var(--elevated);border-color:var(--border);}
[data-theme="light"] .guides-section{background:var(--elevated);border-color:var(--border);}
[data-theme="light"] .cta-banner::before{background:radial-gradient(ellipse 60% 80% at 50% 50%,rgba(240,165,32,.05) 0%,transparent 70%);}
[data-theme="light"] .site-footer{background:var(--surface);border-color:var(--border);}
[data-theme="light"] .footer-brand-logo{color:var(--text);}
[data-theme="light"] .section-h2{color:var(--text);}
[data-theme="light"] .step-num{color:rgba(15,23,42,0.06);}
[data-theme="light"] .step-card h3{color:var(--text);}
[data-theme="light"] .feat-card h3{color:var(--text);}
[data-theme="light"] .tc-name{color:var(--text);}
[data-theme="light"] .gc-title{color:var(--text);}
[data-theme="light"] .nav-logo-text strong{color:var(--text);}
[data-theme="light"] .hero-eyebrow{border-color:rgba(255,255,255,0.3);color:rgba(255,255,255,0.8);}
[data-theme="light"] .hero-h1 .plain{color:#fff;}
[data-theme="light"] .hero-sub{color:rgba(255,255,255,0.8);}
[data-theme="light"] .cta-banner h2{color:var(--text);}
[data-theme="light"] .tool-card:hover{border-color:rgba(240,165,32,.25);}
[data-theme="light"] .amount-strip input{color:var(--text);}
[data-theme="light"] .card-hd{color:var(--text);}
[data-theme="light"] .pname{color:var(--text);}
[data-theme="light"] .bname{color:var(--text);}
[data-theme="light"] .drawer-name{color:var(--text2);}
[data-theme="light"] .tab-btn{color:var(--muted);}
[data-theme="light"] .tab-btn.active{color:var(--text);}
[data-theme="light"] .art-title{color:var(--text);}
[data-theme="light"] .art-reader h1,[data-theme="light"] .art-reader h2{color:var(--text);}

/* Theme toggle button */
.theme-toggle{width:36px;height:36px;border-radius:9px;background:var(--elevated);border:1px solid var(--border2);display:flex;align-items:center;justify-content:center;cursor:pointer;transition:all .2s;flex-shrink:0;}
.theme-toggle:hover{border-color:var(--amber);color:var(--amber);}
.theme-toggle svg{width:16px;height:16px;stroke:var(--muted);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:stroke .2s;}
.theme-toggle:hover svg{stroke:var(--amber);}
.icon-sun{display:none;}
.icon-moon{display:block;}
[data-theme="light"] .icon-sun{display:block;}
[data-theme="light"] .icon-moon{display:none;}

/* ── MAIN TOOL AREA LAYOUT ────────────────────────────────────────────── */
.main{
  max-width:980px;
  margin:0 auto;
  padding:56px 24px 96px;
  position:relative;
}
.main > .active-tool-bar{
  position:sticky;
  top:64px;
  z-index:90;
  background:var(--card);
  border:1px solid var(--border);
  border-radius:14px;
  display:none; /* hidden on desktop, shown on mobile */
  align-items:center;
  gap:14px;
  padding:14px 18px;
  margin-bottom:20px;
  cursor:pointer;
}
@media(max-width:768px){
  .main > .active-tool-bar{display:flex;}
  .main{padding:32px 16px 80px;}
}

/* ── TAB NAVIGATION ───────────────────────────────────────────────────── */
.tab-nav-outer{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:16px;
  padding:6px;
  margin-bottom:28px;
  display:flex;
  gap:4px;
  overflow-x:auto;
  -webkit-overflow-scrolling:touch;
  scrollbar-width:none;
  position:sticky;
  top:72px;
  z-index:80;
  backdrop-filter:blur(12px);
}
.tab-nav-outer::-webkit-scrollbar{display:none;}

/* ── SECTION HEADER in tool area ──────────────────────────────────────── */
.tools-area-header{
  text-align:center;
  padding:0 0 48px;
}
.tools-area-header h2{
  font-size:clamp(22px,3vw,32px);
  font-weight:900;
  letter-spacing:-1px;
  color:var(--text);
  margin-bottom:8px;
}
.tools-area-header p{
  font-size:15px;
  color:var(--muted);
}

/* ── MORTGAGE / NPS calc-specific ─────────────────────────────────────── */
.tab-btn-group{
  display:flex;
  gap:8px;
  flex-wrap:wrap;
  margin-bottom:20px;
}
.tab-btn-sm{
  background:var(--elevated);
  border:1px solid var(--border2);
  border-radius:9px;
  padding:8px 16px;
  font-size:13px;
  font-weight:700;
  color:var(--muted);
  cursor:pointer;
  transition:all .2s;
}
.tab-btn-sm.active,.tab-btn-sm:hover{
  border-color:var(--amber);
  color:var(--amber);
  background:var(--amber-dim);
}

/* ── MISSING TOOL-SPECIFIC ─────────────────────────────────────────────── */
.cgtax-section,.gratuity-section,.nps-section,.return-section{padding:0;}
.sub-tabs{display:flex;gap:8px;margin-bottom:20px;flex-wrap:wrap;}
.sub-tab{background:var(--elevated);border:1px solid var(--border);border-radius:9px;padding:8px 16px;font-size:13px;font-weight:700;color:var(--muted);cursor:pointer;transition:all .2s;}
.sub-tab.active,.sub-tab:hover{border-color:var(--amber);color:var(--amber);background:var(--amber-dim);}
.sub-panel{display:none;}
.sub-panel.active{display:block;}
.hl-lead-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px;}
@media(max-width:480px){.hl-lead-row{grid-template-columns:1fr;}}
.section-divider{height:1px;background:var(--border);margin:28px 0;}
.tool-note{font-size:12px;color:var(--muted);line-height:1.7;padding:12px 16px;background:var(--elevated);border-radius:10px;margin-top:16px;}

/* ── RETURN PLANNER ─────────────────────────────────────────────────────── */
.city-btn-row{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px;}
.city-btn{padding:9px 16px;border-radius:8px;border:1px solid var(--border2);background:var(--elevated);color:var(--muted);font-size:13px;font-weight:600;cursor:pointer;transition:all .2s;}
.city-btn.active,.city-btn:hover{background:var(--teal);color:#fff;border-color:var(--teal);}
.expense-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:8px;margin-bottom:16px;}
.expense-item{display:flex;align-items:center;gap:10px;background:var(--elevated);border:1px solid var(--border);border-radius:8px;padding:10px 12px;}
.expense-item:focus-within{border-color:var(--teal);}
.ei-icon{font-size:18px;flex-shrink:0;width:24px;text-align:center;line-height:1;}
.ei-label{flex:1;font-size:12px;color:var(--muted);font-weight:500;line-height:1.3;}
.expense-item input{width:86px;background:var(--surface);border:1px solid var(--border2);color:var(--text);padding:6px 8px;border-radius:6px;font-size:13px;font-weight:700;text-align:right;outline:none;flex-shrink:0;}
.expense-item input:focus{border-color:var(--teal);}
.expense-total-strip{display:flex;align-items:center;justify-content:space-between;background:var(--elevated);border:1px solid var(--border2);border-radius:10px;padding:14px 18px;margin:12px 0 24px;}
.exp-total-lbl{font-size:13px;font-weight:700;color:var(--text);}
.exp-total-val{font-size:24px;font-weight:800;color:var(--amber);}

/* ── RETURN CHECKLIST ───────────────────────────────────────────────────── */
.checklist-card{margin-top:16px;}
.cl-progress-wrap{margin:12px 0 20px;}
.cl-progress-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px;}
.cl-progress-label{font-size:12px;color:var(--muted);font-weight:600;}
.cl-progress-pct{font-size:13px;font-weight:800;color:var(--teal);}
.cl-progress-bar{height:6px;background:var(--border);border-radius:3px;overflow:hidden;}
.cl-progress-fill{height:100%;background:linear-gradient(90deg,var(--teal),var(--amber));border-radius:3px;transition:width .4s ease;}
.cl-phase{background:var(--elevated);border:1px solid var(--border);border-radius:12px;padding:16px;margin-bottom:12px;}
.cl-phase-hd{display:flex;align-items:center;gap:12px;margin-bottom:14px;}
.cl-phase-num{width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800;flex-shrink:0;}
.cl-phase-num.p1{background:rgba(20,184,166,.2);color:var(--teal);}
.cl-phase-num.p2{background:rgba(245,158,11,.2);color:var(--amber);}
.cl-phase-num.p3{background:rgba(99,102,241,.2);color:#818cf8;}
.cl-phase-title{font-size:14px;font-weight:700;color:var(--text);}
.cl-phase-sub{margin-left:auto;font-size:11px;color:var(--muted);font-weight:600;white-space:nowrap;}
.cl-item{display:flex;gap:12px;align-items:flex-start;padding:12px;border-radius:8px;cursor:pointer;transition:background .15s;border:1px solid transparent;margin-bottom:8px;}
.cl-item:last-child{margin-bottom:0;}
.cl-item:hover{background:var(--surface);}
.cl-item.done{background:rgba(20,184,166,.06);border-color:rgba(20,184,166,.2);}
.cl-cb{width:20px;height:20px;border-radius:5px;border:2px solid var(--border2);flex-shrink:0;display:flex;align-items:center;justify-content:center;margin-top:1px;transition:all .2s;}
.cl-item.done .cl-cb{background:var(--teal);border-color:var(--teal);}
.cl-cb-check{font-size:11px;color:#fff;display:none;font-weight:800;}
.cl-item.done .cl-cb-check{display:block;}
.cl-body{flex:1;min-width:0;}
.cl-title{font-size:13px;font-weight:700;color:var(--text);margin-bottom:4px;line-height:1.4;}
.cl-item.done .cl-title{text-decoration:line-through;color:var(--muted);}
.cl-tip{font-size:12px;color:var(--muted);line-height:1.6;}
.cl-link{background:none;border:none;color:var(--teal);font-size:12px;font-weight:600;cursor:pointer;padding:4px 0 0;text-decoration:underline;text-underline-offset:2px;}
.cl-reset{text-align:right;margin-top:12px;}
.cl-reset-btn{background:none;border:1px solid var(--border2);color:var(--muted);font-size:12px;padding:6px 14px;border-radius:6px;cursor:pointer;transition:all .2s;}
.cl-reset-btn:hover{border-color:var(--text);color:var(--text);}

/* ── SIP/SWP TEMPLATES ──────────────────────────────────────────────────── */
.tpl-row{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-bottom:16px;}
.tpl-label{font-size:11px;color:var(--muted);font-weight:700;white-space:nowrap;flex-shrink:0;}
.tpl-btn{padding:6px 12px;border-radius:20px;border:1px solid var(--border2);background:var(--elevated);color:var(--text);font-size:12px;font-weight:600;cursor:pointer;white-space:nowrap;transition:all .2s;}
.tpl-btn:hover{background:var(--amber);border-color:var(--amber);color:#000;}

/* ── LIGHT THEME TEXT FIXES ─────────────────────────────────────────────── */
[data-theme="light"] .card-sub,[data-theme="light"] .drawer-desc,
[data-theme="light"] .ci-name,[data-theme="light"] .ei-label,
[data-theme="light"] .cl-tip,[data-theme="light"] .f label,
[data-theme="light"] .ccb-rate,[data-theme="light"] .nav-live-text{color:#374151;}
[data-theme="light"] .card-hd,[data-theme="light"] .drawer-name,
[data-theme="light"] .cl-title,[data-theme="light"] .exp-total-lbl{color:#111827;}
[data-theme="light"] .tpl-btn{background:#f1f5f9;border-color:#cbd5e1;color:#1e293b;}
[data-theme="light"] .tpl-btn:hover{background:var(--amber);border-color:var(--amber);color:#fff;}
[data-theme="light"] .city-btn{background:#f1f5f9;border-color:#cbd5e1;color:#374151;}
[data-theme="light"] .city-btn.active{background:var(--teal);border-color:var(--teal);color:#fff;}
[data-theme="light"] .expense-item{background:#f8fafc;border-color:#e2e8f0;}
[data-theme="light"] .expense-item input{background:#fff;border-color:#cbd5e1;color:#0f172a;}
[data-theme="light"] .cl-phase{background:#f8fafc;border-color:#e2e8f0;}
[data-theme="light"] .cl-item:hover{background:#f1f5f9;}
[data-theme="light"] .cl-item.done{background:rgba(13,122,110,0.06);border-color:rgba(13,122,110,0.25);}
[data-theme="light"] .calc-cur-bar{background:#f1f5f9;border-color:#e2e8f0;}
[data-theme="light"] .ccb-inp{background:#fff;border-color:#cbd5e1;color:#0f172a;}
[data-theme="light"] .jn-link{color:#374151;}
[data-theme="light"] #jumpNav{background:rgba(244,246,251,0.96);}
[data-theme="light"] .rg-card{background:#f8fafc;border-color:#e2e8f0;}
[data-theme="light"] .year-table th{background:#f1f5f9;color:#374151;}
[data-theme="light"] .year-table td{color:#1e293b;}
[data-theme="light"] .cmp-table td,[data-theme="light"] .amort-table td{color:#1e293b;}
[data-theme="light"] .year-table tr:hover td{background:#f8fafc;}

/* ── LIGHT THEME EXTRA FIXES ────────────────────────────────────────────── */
/* Nav */
[data-theme="light"] .nav-logo-text{color:#0f172a;}
[data-theme="light"] nav.site-nav a{color:#1e293b;}
[data-theme="light"] nav.site-nav a:hover{color:#0d7a6e;}
[data-theme="light"] .nav-live-dot{background:var(--green);}
/* Hero — always dark overlay so text stays white regardless of theme */
[data-theme="light"] .hero-section::before{
  background:linear-gradient(160deg,rgba(5,8,15,0.88) 0%,rgba(5,8,15,0.78) 40%,rgba(5,8,15,0.92) 100%);
}
/* Main section headings */
[data-theme="light"] .sect-label{color:var(--teal);}
[data-theme="light"] .sect-title{color:#0f172a;}
[data-theme="light"] .sect-sub{color:#374151;}
/* Feat / guide / tool cards */
[data-theme="light"] .feat-card h3,[data-theme="light"] .guide-card h3,
[data-theme="light"] .tool-card h3,[data-theme="light"] .step-card h3{color:#0f172a;}
[data-theme="light"] .feat-card p,[data-theme="light"] .guide-card p,
[data-theme="light"] .tool-card p,[data-theme="light"] .step-card p{color:#374151;}
/* Stats strip */
[data-theme="light"] .stat-num{color:#0f172a !important;}
[data-theme="light"] .stat-label{color:#374151 !important;}
/* Rate rows */
[data-theme="light"] .prov-name{color:#0f172a;}
[data-theme="light"] .prov-note{color:#4b5675;}
[data-theme="light"] .rate-val{color:var(--teal);}
[data-theme="light"] .fee-tag{color:#374151;}
/* Tool banner */
[data-theme="light"] .tool-banner h2{color:#0f172a;}
[data-theme="light"] .tool-banner p{color:#374151;}
/* Result cards */
[data-theme="light"] .rg-label{color:#374151;}
[data-theme="light"] .rg-val{color:#0f172a;}
/* Article cards */
[data-theme="light"] .art-title{color:#0f172a;}
[data-theme="light"] .art-summary{color:#374151;}
[data-theme="light"] .art-tag{background:#eef2ff;color:#4338ca;}
/* Footer */
[data-theme="light"] footer{background:#1e293b;}
[data-theme="light"] footer *{color:rgba(255,255,255,0.75);}
[data-theme="light"] footer h4,[data-theme="light"] footer .ft-logo{color:#fff;}
[data-theme="light"] footer a:hover{color:#fff;}
/* Drawer */
[data-theme="light"] .drawer-section-hd{color:#64748b;}
[data-theme="light"] .drawer-item .drawer-name{color:#0f172a;}
[data-theme="light"] .drawer-item .drawer-desc{color:#4b5675;}
/* Info banners */
[data-theme="light"] .info{color:#374151;}
[data-theme="light"] .info strong{color:#0f172a;}
/* Input labels */
[data-theme="light"] .f label{color:#1e293b;font-weight:600;}
/* Checklist progress */
[data-theme="light"] .cl-progress-label{color:#374151;}

/* ── LIGHT THEME: GUIDE CARD TAG COLORS ─────────────────────────────────── */
/* Neon colors are designed for dark backgrounds; use richer, darker hues in light mode */
[data-theme="light"] .gc-tag.banking{background:rgba(37,99,235,0.1);color:#1d4ed8;}
[data-theme="light"] .gc-tag.tax{background:rgba(109,40,217,0.1);color:#6d28d9;}
[data-theme="light"] .gc-tag.invest{background:rgba(21,128,61,0.1);color:#15803d;}
[data-theme="light"] .gc-tag.transfer{background:rgba(180,83,9,0.1);color:#b45309;}
[data-theme="light"] .gc-tag.planning{background:rgba(67,56,202,0.1);color:#4338ca;}
[data-theme="light"] .gc-tag.property{background:rgba(13,122,110,0.1);color:#0d7a6e;}
/* Guide card body text */
[data-theme="light"] .gc-desc{color:#374151;}
[data-theme="light"] .gc-meta{color:#4b5675;}
[data-theme="light"] .gc-read{color:var(--teal);}
/* Step numbers — slightly more visible watermark in light mode */
[data-theme="light"] .step-num{color:rgba(15,23,42,0.09);}
/* Section label eyebrow pills */
[data-theme="light"] .section-label,.section-label-light{color:var(--teal);}
.compare-btn{margin-left:auto;padding:9px 18px;background:var(--amber);color:#000;border:none;border-radius:10px;font-size:13px;font-weight:800;cursor:pointer;letter-spacing:.02em;transition:all .2s;white-space:nowrap;flex-shrink:0;}
.compare-btn:hover{background:var(--amber-light,#d97706);transform:translateY(-1px);}
[data-theme="light"] .compare-btn{color:#fff;}

/* ══════════════════════════════════════════════════════════════════════════
   TOOL BANNER BACKGROUND IMAGES  (each tab gets a thematic photo)
   ══════════════════════════════════════════════════════════════════════════ */

.tool-banner[class*=" tb-"]{position:relative;overflow:hidden;background-size:cover;background-position:center;}
.tool-banner-icon{flex-shrink:0;width:38px;height:38px;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.12);border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--teal);}
.tool-banner-icon svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
.tool-banner-body{flex:1;}
.tool-banner-body h2{font-size:17px;font-weight:700;margin:0 0 3px;color:var(--text1);}
.tool-banner-body p{font-size:12px;color:rgba(255,255,255,0.65);margin:0;line-height:1.5;}

/* shared: force white text over dark photo overlay */
.tb-rates .tool-banner-body h2,.tb-invest .tool-banner-body h2,
.tb-nrenro .tool-banner-body h2,.tb-homeloan .tool-banner-body h2,
.tb-return .tool-banner-body h2,.tb-dtaa .tool-banner-body h2,
.tb-realty .tool-banner-body h2,.tb-edplan .tool-banner-body h2,
.tb-articles .tool-banner-body h2{color:#fff;}
.tb-rates .tool-banner-body p,.tb-invest .tool-banner-body p,
.tb-nrenro .tool-banner-body p,.tb-homeloan .tool-banner-body p,
.tb-return .tool-banner-body p,.tb-dtaa .tool-banner-body p,
.tb-realty .tool-banner-body p,.tb-edplan .tool-banner-body p,
.tb-articles .tool-banner-body p{color:rgba(255,255,255,0.75);}

/* 💸 Remittance / Currency exchange */
.tb-rates{background:linear-gradient(160deg,rgba(4,12,28, 0.92) 0%,rgba(8,25,50, 0.92) 100%),url('https://images.pexels.com/photos/259200/pexels-photo-259200.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* 📈 SIP & SWP — stock market */
.tb-invest{background:linear-gradient(160deg,rgba(4,20,10, 0.92) 0%,rgba(5,30,18, 0.92) 100%),url('https://images.pexels.com/photos/159888/pexels-photo-159888.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* 🏦 NRE/NRO Banking — financial district */
.tb-nrenro{background:linear-gradient(160deg,rgba(5,10,30, 0.92) 0%,rgba(10,18,45, 0.92) 100%),url('https://images.pexels.com/photos/1602726/pexels-photo-1602726.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* 🏠 Home Loan — house exterior */
.tb-homeloan{background:linear-gradient(160deg,rgba(8,15,5, 0.92) 0%,rgba(12,25,8, 0.92) 100%),url('https://images.pexels.com/photos/323780/pexels-photo-323780.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* 🗓 Return to India — India Gate */
.tb-return{background:linear-gradient(160deg,rgba(15,8,4, 0.92) 0%,rgba(30,15,5, 0.92) 100%),url('https://images.pexels.com/photos/1007426/pexels-photo-1007426.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* 🛡 DTAA / Tax — documents & law */
.tb-dtaa{background:linear-gradient(160deg,rgba(10,5,25, 0.92) 0%,rgba(20,10,40, 0.92) 100%),url('https://images.pexels.com/photos/669619/pexels-photo-669619.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* 🏢 Real Estate ROI — modern buildings */
.tb-realty{background:linear-gradient(160deg,rgba(4,12,20, 0.92) 0%,rgba(8,20,35, 0.92) 100%),url('https://images.pexels.com/photos/1370704/pexels-photo-1370704.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* 🎓 Education Planning — student/campus */
.tb-edplan{background:linear-gradient(160deg,rgba(5,12,25, 0.92) 0%,rgba(10,20,40, 0.92) 100%),url('https://images.pexels.com/photos/267885/pexels-photo-267885.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* 📖 Guides / Articles — books & knowledge */
.tb-articles{background:linear-gradient(160deg,rgba(15,10,4, 0.92) 0%,rgba(28,18,5, 0.92) 100%),url('https://images.pexels.com/photos/159711/books-bookstore-book-reading-159711.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* Light mode: use a light-tinted overlay so background card look is preserved */
/* light tb-* use same dark overlay as dark mode */
[data-theme="light"] .tb-rates{background:linear-gradient(160deg,rgba(4,12,40, 0.92) 0%,rgba(5,20,60, 0.92) 100%),url('https://images.pexels.com/photos/259200/pexels-photo-259200.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}
[data-theme="light"] .tb-invest{background:linear-gradient(160deg,rgba(4,30,15, 0.92) 0%,rgba(5,40,20, 0.92) 100%),url('https://images.pexels.com/photos/159888/pexels-photo-159888.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}
[data-theme="light"] .tb-nrenro{background:linear-gradient(160deg,rgba(5,15,50, 0.92) 0%,rgba(10,22,65, 0.92) 100%),url('https://images.pexels.com/photos/1602726/pexels-photo-1602726.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}
[data-theme="light"] .tb-homeloan{background:linear-gradient(160deg,rgba(8,20,8, 0.92) 0%,rgba(12,30,10, 0.92) 100%),url('https://images.pexels.com/photos/323780/pexels-photo-323780.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}
[data-theme="light"] .tb-return{background:linear-gradient(160deg,rgba(40,15,5, 0.92) 0%,rgba(55,20,5, 0.92) 100%),url('https://images.pexels.com/photos/1007426/pexels-photo-1007426.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}
[data-theme="light"] .tb-dtaa{background:linear-gradient(160deg,rgba(20,8,45, 0.92) 0%,rgba(30,12,60, 0.92) 100%),url('https://images.pexels.com/photos/669619/pexels-photo-669619.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}
[data-theme="light"] .tb-realty{background:linear-gradient(160deg,rgba(4,18,35, 0.92) 0%,rgba(8,25,50, 0.92) 100%),url('https://images.pexels.com/photos/1370704/pexels-photo-1370704.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}
[data-theme="light"] .tb-edplan{background:linear-gradient(160deg,rgba(5,15,40, 0.92) 0%,rgba(10,22,55, 0.92) 100%),url('https://images.pexels.com/photos/267885/pexels-photo-267885.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}
[data-theme="light"] .tb-articles{background:linear-gradient(160deg,rgba(40,20,5, 0.92) 0%,rgba(55,28,5, 0.92) 100%),url('https://images.pexels.com/photos/159711/books-bookstore-book-reading-159711.jpeg?auto=compress&cs=tinysrgb&w=1920&h=160&fit=crop') center/cover no-repeat;}

/* ══════════════════════════════════════════════════════════════════════════
   HOMEPAGE SECTION BACKGROUND IMAGES
   ══════════════════════════════════════════════════════════════════════════ */

/* "Why NRI Finance Hub" — global city / NRI abroad */
.section{
  background-image:linear-gradient(160deg,rgba(5,8,18,0.94) 0%,rgba(8,14,32,0.90) 50%,rgba(5,8,18,0.95) 100%),
    url('https://images.pexels.com/photos/1486785/pexels-photo-1486785.jpeg?auto=compress&cs=tinysrgb&w=1920&h=900&fit=crop');
  background-size:cover;background-position:center;
}
.section .section-h2{color:#fff;}
.section .section-sub{color:rgba(255,255,255,0.78);}
.section .section-eyebrow{color:var(--amber);}

/* "How It Works" steps — journey / process */
.steps-section{
  background:none;border:none;
  background-image:linear-gradient(160deg,rgba(4,10,22,0.94) 0%,rgba(6,16,34,0.90) 50%,rgba(4,10,22,0.95) 100%),
    url('https://images.pexels.com/photos/3184291/pexels-photo-3184291.jpeg?auto=compress&cs=tinysrgb&w=1920&h=900&fit=crop');
  background-size:cover;background-position:center;border-top:none;border-bottom:none;
}
.steps-section .section-h2{color:#fff;}
.steps-section .section-sub{color:rgba(255,255,255,0.78);}
.steps-section .section-eyebrow{color:var(--amber);}

/* "Free Tools" grid — financial planning */
.tools-section{
  background-image:linear-gradient(160deg,rgba(5,10,20,0.94) 0%,rgba(8,15,30,0.90) 50%,rgba(5,10,20,0.95) 100%),
    url('https://images.pexels.com/photos/669615/pexels-photo-669615.jpeg?auto=compress&cs=tinysrgb&w=1920&h=900&fit=crop');
  background-size:cover;background-position:center;
}
.tools-section .section-h2{color:#fff;}
.tools-section .section-sub{color:rgba(255,255,255,0.78);}
.tools-section .section-eyebrow{color:var(--amber);}

/* "Expert Guides" — books & knowledge */
.guides-section{
  background:none;border:none;
  background-image:linear-gradient(160deg,rgba(15,8,4,0.94) 0%,rgba(25,12,5,0.90) 50%,rgba(15,8,4,0.95) 100%),
    url('https://images.pexels.com/photos/256541/pexels-photo-256541.jpeg?auto=compress&cs=tinysrgb&w=1920&h=900&fit=crop');
  background-size:cover;background-position:center;border-top:none;
}
.guides-section .section-h2{color:#fff;}
.guides-section .section-sub{color:rgba(255,255,255,0.78);}
.guides-section .section-eyebrow{color:var(--amber);}

/* Light mode homepage sections — keep dark overlay (text stays white on photo) */
[data-theme="light"] .section{
  background-image:linear-gradient(160deg,rgba(5,8,18,0.90) 0%,rgba(8,14,32,0.86) 50%,rgba(5,8,18,0.92) 100%),
    url('https://images.pexels.com/photos/1486785/pexels-photo-1486785.jpeg?auto=compress&cs=tinysrgb&w=1920&h=900&fit=crop');
  background-size:cover;background-position:center;
}
[data-theme="light"] .section .section-h2,
[data-theme="light"] .steps-section .section-h2,
[data-theme="light"] .tools-section .section-h2,
[data-theme="light"] .guides-section .section-h2{color:#fff !important;}
[data-theme="light"] .section .section-sub,
[data-theme="light"] .steps-section .section-sub,
[data-theme="light"] .tools-section .section-sub,
[data-theme="light"] .guides-section .section-sub{color:rgba(255,255,255,0.78) !important;}
[data-theme="light"] .section .section-eyebrow,
[data-theme="light"] .steps-section .section-eyebrow,
[data-theme="light"] .tools-section .section-eyebrow,
[data-theme="light"] .guides-section .section-eyebrow{color:var(--amber);}
[data-theme="light"] .steps-section{
  background-image:linear-gradient(160deg,rgba(4,10,22,0.90) 0%,rgba(6,16,34,0.86) 50%,rgba(4,10,22,0.92) 100%),
    url('https://images.pexels.com/photos/3184291/pexels-photo-3184291.jpeg?auto=compress&cs=tinysrgb&w=1920&h=900&fit=crop');
  background-size:cover;background-position:center;border:none;
}
[data-theme="light"] .tools-section{
  background-image:linear-gradient(160deg,rgba(5,10,20,0.90) 0%,rgba(8,15,30,0.86) 50%,rgba(5,10,20,0.92) 100%),
    url('https://images.pexels.com/photos/669615/pexels-photo-669615.jpeg?auto=compress&cs=tinysrgb&w=1920&h=900&fit=crop');
  background-size:cover;background-position:center;
}
[data-theme="light"] .guides-section{
  background-image:linear-gradient(160deg,rgba(15,8,4,0.90) 0%,rgba(25,12,5,0.86) 50%,rgba(15,8,4,0.92) 100%),
    url('https://images.pexels.com/photos/256541/pexels-photo-256541.jpeg?auto=compress&cs=tinysrgb&w=1920&h=900&fit=crop');
  background-size:cover;background-position:center;border:none;
}

/* ── Unified Hero Rates Panel ───────────────────────────── */
.hero-rates-panel{width:100%;max-width:540px;margin:28px auto 0;background:rgba(4,12,28,0.72);backdrop-filter:blur(22px);-webkit-backdrop-filter:blur(22px);border:1px solid rgba(240,165,32,0.22);border-radius:22px;overflow:hidden;animation:fadeUp .7s .45s ease both;}
.hrp-top{display:flex;align-items:center;gap:16px;padding:18px 22px;border-bottom:1px solid rgba(255,255,255,0.07);}
.hrp-flag-block{display:flex;align-items:center;gap:7px;flex-shrink:0;background:rgba(255,255,255,0.06);border-radius:10px;padding:8px 10px;}
.hrp-flag-block span{font-size:11px;font-weight:800;color:var(--text2);}
.hrp-send-block{flex:1;min-width:0;}
.hrp-send-lbl{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.7px;display:block;margin-bottom:4px;}
.hrp-inp-row{display:flex;align-items:baseline;gap:6px;}
.hrp-inp{background:none;border:none;outline:none;font-size:26px;font-weight:900;color:var(--text);width:100px;font-family:inherit;line-height:1;}
.hrp-inp::-webkit-inner-spin-button,.hrp-inp::-webkit-outer-spin-button{-webkit-appearance:none;}
.hrp-send-cur{font-size:13px;font-weight:700;color:var(--muted);}
.hrp-arrow-col{color:var(--muted);opacity:.6;flex-shrink:0;}
.hrp-arrow-col svg{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;}
.hrp-result-block{text-align:right;flex-shrink:0;}
.hrp-result-lbl{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;display:block;margin-bottom:4px;}
.hrp-result-amt{font-size:26px;font-weight:900;color:var(--amber);display:block;font-variant-numeric:tabular-nums;line-height:1;}
.hrp-result-sub{display:flex;align-items:center;justify-content:flex-end;gap:4px;margin-top:5px;font-size:10px;color:var(--green);font-weight:700;}
.hrp-providers-hdr{display:flex;align-items:center;justify-content:space-between;padding:12px 22px 8px;}
.hrp-providers-title{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.8px;}
.hrp-live-pill{display:flex;align-items:center;gap:5px;font-size:10px;font-weight:700;color:var(--green);}
.hrp-rows-wrap{padding:0 14px;}
.hrp-footer-wrap{padding:10px 22px 14px;font-size:11px;color:var(--muted);border-top:1px solid rgba(255,255,255,0.06);margin-top:10px;line-height:1.6;}
[data-theme="light"] .hero-rates-panel{background:rgba(255,255,255,0.92);border-color:rgba(0,0,0,0.1);box-shadow:0 8px 32px rgba(0,0,0,0.12);}
[data-theme="light"] .hrp-flag-block{background:rgba(0,0,0,0.05);}
[data-theme="light"] .hrp-inp{color:var(--text);}

/* ── Rates Disclaimer ───────────────────────────────── */
.rates-disclaimer{display:flex;gap:14px;align-items:flex-start;background:rgba(251,191,36,0.06);border:1px solid rgba(251,191,36,0.2);border-radius:14px;padding:18px 20px;margin-top:20px;}
.rd-icon{font-size:22px;flex-shrink:0;margin-top:2px;}
.rd-title{font-size:13px;font-weight:800;color:var(--amber);margin-bottom:8px;letter-spacing:.01em;}
.rd-text{font-size:12.5px;color:var(--muted);line-height:1.7;}
.rd-text strong{color:var(--text2);}
[data-theme="light"] .rates-disclaimer{background:rgba(251,191,36,0.08);border-color:rgba(180,120,0,0.2);}
[data-theme="light"] .rd-text{color:#4b5563;}
[data-theme="light"] .rd-text strong{color:#1f2937;}

/* ── Return to India Preview Section ──────────────── */
.rtp-section{padding:96px 40px;position:relative;overflow:hidden;}
.rtp-section::before{content:'';position:absolute;inset:0;background-image:linear-gradient(160deg,rgba(4,10,24,0.93) 0%,rgba(8,20,45,0.90) 100%),url('https://images.pexels.com/photos/1586298/pexels-photo-1586298.jpeg?auto=compress&cs=tinysrgb&w=1920&h=700&fit=crop');background-size:cover;background-position:center;background-attachment:fixed;z-index:0;}
.rtp-section>*{position:relative;z-index:1;}
.rtp-section .section-eyebrow{color:var(--amber);}
.rtp-section .section-h2,.rtp-section .section-sub{color:#fff;}
.rtp-section .section-sub{color:rgba(255,255,255,.78);}
.rtp-widget{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:44px;max-width:960px;margin-left:auto;margin-right:auto;}
.rtp-card{background:rgba(255,255,255,0.05);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border:1px solid rgba(255,255,255,0.1);border-radius:20px;padding:28px;}
.rtp-card-title{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;color:var(--amber);margin-bottom:18px;}
.rtp-city-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px;}
.rtp-city-btn{padding:7px 13px;border-radius:20px;border:1px solid rgba(255,255,255,0.15);background:rgba(255,255,255,0.06);color:rgba(255,255,255,0.7);font-size:12px;font-weight:600;cursor:pointer;transition:all .18s;white-space:nowrap;}
.rtp-city-btn:hover{background:rgba(240,165,32,0.15);border-color:var(--amber);color:#fff;}
.rtp-city-btn.active{background:rgba(240,165,32,0.2);border-color:var(--amber);color:var(--amber);font-weight:800;}
.rtp-field{margin-bottom:16px;}
.rtp-field label{display:block;font-size:11.5px;font-weight:600;color:rgba(255,255,255,0.6);margin-bottom:6px;}
.rtp-field input{width:100%;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);border-radius:10px;padding:10px 14px;color:#fff;font-size:15px;font-weight:700;outline:none;font-family:inherit;box-sizing:border-box;transition:border-color .2s;}
.rtp-field input:focus{border-color:var(--amber);}
.rtp-field input::-webkit-inner-spin-button{-webkit-appearance:none;}
.rtp-results-card{display:flex;flex-direction:column;gap:16px;}
.rtp-stat{background:rgba(255,255,255,0.06);border-radius:14px;padding:16px 18px;border:1px solid rgba(255,255,255,0.08);transition:all .3s;}
.rtp-stat-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:rgba(255,255,255,0.5);margin-bottom:6px;}
.rtp-stat-val{font-size:26px;font-weight:900;color:#fff;font-variant-numeric:tabular-nums;line-height:1.1;}
.rtp-stat-sub{font-size:11.5px;color:rgba(255,255,255,0.45);margin-top:5px;}
.rtp-stat.primary{background:rgba(240,165,32,0.12);border-color:rgba(240,165,32,0.3);}
.rtp-stat.primary .rtp-stat-val{color:var(--amber);}
.rtp-stat.good .rtp-stat-val{color:var(--green);}
.rtp-stat.warn .rtp-stat-val{color:#f97316;}
.rtp-timeline{margin-top:4px;height:6px;border-radius:3px;background:rgba(255,255,255,0.1);overflow:hidden;}
.rtp-timeline-fill{height:100%;border-radius:3px;background:linear-gradient(90deg,var(--green),var(--amber));transition:width .5s ease;}
.rtp-cta-row{margin-top:4px;}
.rtp-full-btn{width:100%;padding:14px;background:var(--amber);color:#000;border:none;border-radius:12px;font-size:14px;font-weight:800;cursor:pointer;letter-spacing:.02em;transition:all .2s;display:flex;align-items:center;justify-content:center;gap:8px;}
.rtp-full-btn:hover{background:#f59e0b;transform:translateY(-1px);}
@media(max-width:768px){
  .rtp-section{padding:64px 20px;}
  .rtp-widget{grid-template-columns:1fr;}
}
[data-theme="light"] .rtp-field input{color:#111;background:rgba(0,0,0,0.05);border-color:rgba(0,0,0,0.15);}
[data-theme="light"] .rtp-city-btn{color:rgba(0,0,0,0.7);border-color:rgba(0,0,0,0.2);background:rgba(0,0,0,0.05);}
[data-theme="light"] .rtp-city-btn.active{color:var(--amber);}

/* ── Education Planner Redesign ──────────────────────── */
.ed-results-wrap{display:flex;flex-direction:column;gap:18px;margin-top:4px;}
.ed-progress-card{background:var(--card);border:1px solid var(--border2);border-radius:18px;padding:24px;display:flex;align-items:center;gap:24px;flex-wrap:wrap;}
.ed-ring-wrap{position:relative;width:116px;height:116px;flex-shrink:0;}
.ed-ring-wrap svg{width:116px;height:116px;}
.ed-ring-center{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:1px;}
.ed-ring-pct{font-size:24px;font-weight:900;color:var(--text);line-height:1;}
.ed-ring-lbl{font-size:9.5px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.6px;}
.ed-stat-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;flex:1;min-width:240px;}
.ed-stat-box{background:var(--elevated);border-radius:12px;padding:13px 15px;}
.ed-stat-box-lbl{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px;}
.ed-stat-box-val{font-size:20px;font-weight:900;color:var(--text);font-variant-numeric:tabular-nums;line-height:1.1;}
.ed-stat-box-sub{font-size:10.5px;color:var(--muted);margin-top:3px;}
.ed-status-strip{border-radius:14px;padding:16px 20px;display:flex;align-items:flex-start;gap:14px;}
.ed-status-strip-icon{font-size:24px;flex-shrink:0;margin-top:1px;}
.ed-status-strip-title{font-size:14px;font-weight:800;margin-bottom:5px;}
.ed-status-strip-text{font-size:13px;line-height:1.6;}
.ed-sip-pill{display:inline-flex;align-items:center;gap:6px;background:rgba(20,184,166,0.12);border:1px solid rgba(20,184,166,0.3);border-radius:20px;padding:5px 14px;margin-top:10px;font-size:13px;font-weight:700;color:var(--teal);}

/* ── Tax Residency Redesign ──────────────────────────── */
.tr-timeline{display:flex;flex-direction:column;gap:0;background:var(--card);border:1px solid var(--border2);border-radius:16px;overflow:hidden;margin-bottom:20px;}
.tr-yr-row{display:flex;align-items:center;gap:12px;padding:11px 18px;border-bottom:1px solid var(--border);transition:background .15s;}
.tr-yr-row:last-child{border-bottom:none;}
.tr-yr-row.current-yr{background:rgba(240,165,32,0.06);}
.tr-yr-dot{width:9px;height:9px;border-radius:50%;background:rgba(255,255,255,0.2);flex-shrink:0;}
.tr-yr-dot.cur{background:var(--amber);box-shadow:0 0 0 3px rgba(240,165,32,0.25);}
.tr-yr-label{font-size:12px;font-weight:700;color:var(--muted);width:96px;flex-shrink:0;}
.tr-yr-label.cur{color:var(--amber);}
.tr-days-inp{width:66px;background:var(--elevated);border:1px solid var(--border2);border-radius:8px;padding:5px 8px;color:var(--text);font-size:14px;font-weight:800;text-align:center;outline:none;font-family:inherit;transition:border-color .2s;}
.tr-days-inp:focus{border-color:var(--amber);}
.tr-days-inp::-webkit-inner-spin-button{-webkit-appearance:none;}
.tr-bar-track{flex:1;height:5px;background:var(--border);border-radius:3px;overflow:hidden;}
.tr-bar-fill{height:100%;border-radius:3px;transition:width .3s ease;background:var(--teal);}
.tr-bar-fill.amber{background:var(--amber);}
.tr-bar-fill.red{background:#f43f5e;}
.tr-days-tag{font-size:10.5px;color:var(--muted);width:48px;text-align:right;flex-shrink:0;}
.tr-status-hero{border-radius:18px;padding:26px 24px;text-align:center;margin-bottom:18px;border:2px solid;}
.tr-status-big{font-size:34px;font-weight:900;letter-spacing:-.5px;display:block;margin-bottom:6px;}
.tr-status-sub2{font-size:15px;font-weight:600;opacity:.85;}
.tr-thresholds{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:18px;}
.tr-thresh{background:var(--elevated);border-radius:12px;padding:13px 10px;text-align:center;border:1px solid var(--border);}
.tr-thresh-val{font-size:17px;font-weight:900;margin-bottom:4px;}
.tr-thresh-lbl{font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;line-height:1.3;}
.tr-impl-list{display:flex;flex-direction:column;gap:10px;}
.tr-impl-card{background:var(--elevated);border-radius:13px;padding:14px 16px;display:flex;gap:11px;align-items:flex-start;border:1px solid var(--border);}
.tr-impl-icon2{font-size:20px;flex-shrink:0;}
.tr-impl-body{}
.tr-impl-title2{font-size:13px;font-weight:800;margin-bottom:3px;}
.tr-impl-text2{font-size:12.5px;color:var(--muted);line-height:1.65;}
.tr-rules-card{background:rgba(99,102,241,0.07);border:1px solid rgba(99,102,241,0.2);border-radius:13px;padding:14px 18px;font-size:13px;color:var(--muted);line-height:1.7;margin-bottom:14px;}
[data-theme="light"] .tr-days-inp{color:#111;}
[data-theme="light"] .tr-yr-dot{background:rgba(0,0,0,0.15);}

/* ── RTP Breakdown panel ─────────────────────────── */
.rtp-breakdown{border-top:1px solid var(--border);margin-top:12px;padding-top:14px;}
.rtp-bd-title{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.7px;margin-bottom:10px;}
.rtp-sip-tile{display:flex;justify-content:space-between;align-items:center;background:var(--elevated);border:1px solid var(--border);border-radius:11px;padding:11px 14px;margin-bottom:12px;}
.rtp-sip-lbl{font-size:12.5px;color:var(--muted);font-weight:600;margin-bottom:2px;}
.rtp-sip-sub{font-size:10px;color:var(--muted);}
.rtp-sip-val{font-size:17px;font-weight:900;color:var(--teal);white-space:nowrap;}
.rtp-plan-hdr{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.7px;margin-bottom:8px;}
.rtp-checklist{display:grid;grid-template-columns:1fr 1fr;gap:5px 8px;}
.rtp-checkitem{font-size:12px;color:var(--muted);display:flex;align-items:center;gap:5px;line-height:1.4;}
.rtp-checkitem .rci{color:var(--teal);font-weight:700;font-size:11px;}

/* ── Hero dual-widget row ──────────────────────────── */
.hero-widgets-row{display:flex;gap:16px;justify-content:center;align-items:flex-start;flex-wrap:nowrap;margin-top:28px;animation:fadeUp .7s .45s ease both;width:100%;max-width:860px;}
.hero-widgets-row .hero-rates-panel{margin:0!important;width:auto!important;flex:1 1 460px;min-width:0;}
.hero-corpus-panel{flex:0 0 300px;min-width:280px;background:rgba(4,12,28,0.72);backdrop-filter:blur(22px);-webkit-backdrop-filter:blur(22px);border:1px solid rgba(20,184,166,0.28);border-radius:22px;overflow:hidden;padding:20px;}
.hcp-label{font-size:9px;font-weight:800;letter-spacing:1.2px;text-transform:uppercase;color:var(--teal);margin-bottom:14px;display:flex;align-items:center;gap:6px;}
.hcp-city-row{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:16px;}
.hcp-city-btn{flex:1;min-width:0;padding:6px 4px;border-radius:20px;border:1px solid var(--border2);background:transparent;color:var(--muted);font-size:11px;font-weight:700;cursor:pointer;white-space:nowrap;transition:all .18s;}
.hcp-city-btn.active{background:rgba(20,184,166,0.15);border-color:var(--teal);color:var(--teal);}
.hcp-corpus-big{text-align:center;margin:4px 0 16px;}
.hcp-corpus-lbl{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.7px;margin-bottom:6px;}
.hcp-corpus-val{font-size:36px;font-weight:900;color:var(--amber);letter-spacing:-1px;line-height:1;}
.hcp-corpus-sub{font-size:11px;color:var(--muted);margin-top:4px;}
.hcp-stats{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:16px;}
.hcp-stat{background:rgba(255,255,255,0.04);border-radius:10px;padding:10px 11px;border:1px solid rgba(255,255,255,0.06);}
.hcp-stat-l{font-size:9.5px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px;}
.hcp-stat-v{font-size:15px;font-weight:900;color:var(--text);}
.hcp-cta{width:100%;padding:11px;border-radius:12px;background:var(--teal);color:#fff;font-size:13px;font-weight:800;border:none;cursor:pointer;transition:opacity .2s;}
.hcp-cta:hover{opacity:.88;}
@media(max-width:860px){.hero-widgets-row{flex-wrap:wrap;}.hero-widgets-row .hero-rates-panel{flex:1 1 100%;}.hero-corpus-panel{flex:1 1 100%;}}

.hcp-yr-row{display:flex;gap:5px;margin-bottom:14px;}
.hcp-yr-btn{flex:1;padding:5px 2px;border-radius:16px;border:1px solid var(--border2);background:transparent;color:var(--muted);font-size:10.5px;font-weight:700;cursor:pointer;transition:all .15s;white-space:nowrap;}
.hcp-yr-btn.active{background:rgba(240,165,32,0.15);border-color:var(--amber);color:var(--amber);}
.hcp-divider{height:1px;background:var(--border);margin:8px 0 12px;}

/* ── Hero panel tabs ── */
.hcp-tabs{display:flex;gap:4px;margin-bottom:12px;}
.hcp-tab-btn{flex:1;padding:7px 3px;border-radius:14px;border:1px solid var(--border2);background:transparent;color:var(--muted);font-size:10px;font-weight:700;cursor:pointer;transition:all .15s;white-space:nowrap;line-height:1.2;}
.hcp-tab-btn.active{background:rgba(20,184,166,0.15);border-color:var(--teal);color:var(--teal);}
.hcp-tab-pane{display:none;}
.hcp-tab-pane.active{display:block;}
.hcp-hl-info{font-size:10px;color:var(--muted);text-align:center;background:rgba(255,255,255,0.04);border-radius:8px;padding:5px 8px;margin-bottom:10px;border:1px solid var(--border);}

/* ── Affiliate CTA banners ── */
.aff-banner{display:flex;align-items:center;justify-content:space-between;gap:12px;background:linear-gradient(135deg,rgba(20,184,166,0.08),rgba(240,165,32,0.06));border:1px solid rgba(20,184,166,0.22);border-radius:14px;padding:14px 18px;margin-top:20px;flex-wrap:wrap;}
.aff-banner-text{flex:1;min-width:180px;}
.aff-banner-title{font-size:13px;font-weight:700;color:var(--text);margin-bottom:3px;}
.aff-banner-sub{font-size:11px;color:var(--muted);}
.aff-banner-links{display:flex;gap:8px;flex-wrap:wrap;}
.aff-btn{display:inline-block;padding:8px 14px;border-radius:20px;font-size:11.5px;font-weight:700;text-decoration:none;transition:all .2s;white-space:nowrap;}
.aff-btn-primary{background:rgba(20,184,166,0.15);border:1px solid var(--teal);color:var(--teal);}
.aff-btn-primary:hover{background:rgba(20,184,166,0.28);}
.aff-btn-secondary{background:rgba(240,165,32,0.1);border:1px solid var(--amber);color:var(--amber);}
.aff-btn-secondary:hover{background:rgba(240,165,32,0.22);}
.aff-disclaimer{font-size:9.5px;color:var(--muted);margin-top:6px;opacity:0.7;}

/* ── Compact hero for 14-inch laptops (viewport ~768-900px height) ── */
@media (max-width:1440px) and (min-width:769px){
  .hero-section{padding:68px 32px 20px;}
  .hero-eyebrow{margin-bottom:12px;padding:5px 13px;font-size:11px;}
  .hero-h1{font-size:40px!important;line-height:1.06;margin-bottom:10px;letter-spacing:-1.5px;}
  .hero-sub{font-size:13.5px;margin-bottom:14px;line-height:1.55;}
  .hero-actions{margin-bottom:14px;gap:10px;}
  .hero-actions .btn-primary,.hero-actions .btn-ghost{padding:11px 22px;font-size:13px;}
  .hero-widgets-row{margin-top:12px;gap:12px;}
  .hero-corpus-panel{padding:14px;}
  .hcp-tabs{margin-bottom:9px;}
  .hcp-tab-btn{padding:5px 3px;font-size:9.5px;}
  .hcp-city-btn{padding:4px 6px;font-size:10px;}
  .hcp-yr-btn{padding:4px 2px;font-size:9.5px;}
  .hcp-divider{margin:6px 0 8px;}
  .hcp-corpus-lbl{font-size:10px;}
  .hcp-corpus-val{font-size:26px!important;}
  .hcp-corpus-sub{font-size:10px;}
  .hcp-stats{margin-top:8px;}
  .hcp-stat-l{font-size:10px;}
  .hcp-stat-v{font-size:15px;}
  .hcp-cta{padding:9px 14px;font-size:11px;margin-top:10px;}
}
@media (max-height:800px) and (min-width:769px){
  .hero-section{padding:62px 32px 16px;}
  .hero-h1{font-size:36px!important;margin-bottom:8px;}
  .hero-sub{font-size:13px;margin-bottom:12px;}
  .hero-actions{margin-bottom:12px;}
  .hero-widgets-row{margin-top:10px;}
}



/* ── Hero split layout (text left, widgets right) ── */
.hero-section{align-items:flex-start!important;justify-content:center!important;padding:90px 44px 36px!important;}
.hero-split{position:relative;z-index:2;display:flex;align-items:center;gap:44px;max-width:1280px;width:100%;margin:0 auto;}
.hero-text-col{flex:0 0 40%;max-width:460px;text-align:left;}
.hero-text-col .hero-eyebrow{justify-content:flex-start;}
.hero-text-col .hero-h1{text-align:left!important;font-size:clamp(30px,3.4vw,54px)!important;text-shadow:0 2px 24px rgba(0,0,0,0.7);}
.hero-text-col .hero-sub{text-align:left!important;margin-left:0!important;max-width:400px;text-shadow:0 1px 10px rgba(0,0,0,0.6);}
.hero-text-col .hero-actions{justify-content:flex-start!important;}
.hero-widgets-row{flex:1;min-width:0;margin-top:0!important;flex-wrap:nowrap;justify-content:flex-start!important;animation:none;}
.hero-widgets-row .hero-rates-panel{flex:1 1 0;min-width:0;}
.hero-corpus-panel{flex:0 0 268px;min-width:230px;}
/* laptop 14" */
@media(max-width:1300px){
  .hero-split{gap:28px;}
  .hero-text-col{flex:0 0 36%;}
  .hero-text-col .hero-h1{font-size:clamp(26px,3vw,44px)!important;}
  .hero-corpus-panel{flex:0 0 248px;min-width:220px;}
  .hero-section{padding:80px 28px 28px!important;}
}
/* mobile: stack */
@media(max-width:800px){
  .hero-section{align-items:center!important;padding:80px 20px 28px!important;}
  .hero-split{flex-direction:column;align-items:center;}
  .hero-text-col{flex:none;width:100%;max-width:100%;text-align:center;}
  .hero-text-col .hero-eyebrow{justify-content:center;}
  .hero-text-col .hero-h1{text-align:center!important;font-size:clamp(28px,7vw,44px)!important;}
  .hero-text-col .hero-sub{text-align:center!important;margin:0 auto 24px!important;}
  .hero-text-col .hero-actions{justify-content:center!important;}
  .hero-widgets-row{flex-wrap:wrap!important;margin-top:16px!important;justify-content:center!important;}
  .hero-corpus-panel{flex:1 1 100%!important;}
}

/* ── Navbar dropdown ── */
.nav-dropdown-wrap{position:relative;}
.nav-dd-trigger{cursor:pointer;user-select:none;}
.nav-dropdown{display:none;position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%);background:rgba(8,14,28,0.97);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);border:1px solid var(--border2);border-radius:16px;padding:20px;min-width:680px;z-index:1000;box-shadow:0 20px 60px rgba(0,0,0,0.6);display:none;grid-template-columns:repeat(4,1fr);gap:8px;}
.nav-dropdown.open{display:grid;}
.nav-dd-col{display:flex;flex-direction:column;gap:2px;}
.nav-dd-heading{font-size:10px;font-weight:800;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;padding:4px 8px 8px;}
.nav-dropdown a{display:block;padding:7px 10px;border-radius:8px;font-size:12.5px;color:var(--text2);text-decoration:none;transition:all .15s;cursor:pointer;white-space:nowrap;}
.nav-dropdown a:hover{background:var(--elevated);color:var(--text);}

/* ── NRI Budget Tracker ───────────────────────────────── */
.bgt-controls{display:flex;align-items:center;flex-wrap:wrap;gap:14px;margin-bottom:16px;padding:14px 18px;background:var(--fg);border:1px solid var(--border2);border-radius:14px;}
.bgt-month-nav{display:flex;align-items:center;gap:10px;}
.bgt-month-nav button{background:rgba(255,255,255,0.06);border:1px solid var(--border2);color:var(--text1);border-radius:8px;width:30px;height:30px;cursor:pointer;font-size:18px;line-height:1;display:flex;align-items:center;justify-content:center;}
.bgt-month-nav button:hover{background:rgba(20,184,166,0.15);border-color:var(--teal);}
#bgt-month-label{font-weight:700;font-size:15px;color:var(--text1);min-width:110px;text-align:center;}
.bgt-cur-row{display:flex;align-items:center;gap:8px;flex-wrap:wrap;}
.bgt-cur-row label{font-size:12px;color:var(--text2);}
.bgt-cur-row select,.bgt-cur-row input{background:var(--card);border:1px solid var(--border2);color:var(--text1);border-radius:8px;padding:5px 8px;font-size:13px;}
.bgt-cur-row input{width:80px;}
.bgt-summary{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-bottom:16px;}
@media(max-width:700px){.bgt-summary{grid-template-columns:1fr 1fr;}}
.bgt-sum-item{background:var(--fg);border:1px solid var(--border2);border-radius:12px;padding:12px 14px;}
.bgt-sum-label{font-size:10px;color:var(--text3);text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px;}
.bgt-sum-val{font-size:15px;font-weight:700;color:var(--text1);}
.bgt-sum-val.red{color:#f87171;}
.bgt-sum-val.amber{color:var(--amber);}
.bgt-sum-val.teal{color:var(--teal);}
.bgt-table{width:100%;border-collapse:collapse;font-size:12.5px;margin-top:8px;}
.bgt-table thead th{color:var(--text3);font-size:10px;text-transform:uppercase;letter-spacing:.06em;padding:4px 8px;text-align:left;border-bottom:1px solid var(--border2);}
.bgt-table tbody tr{border-bottom:1px solid rgba(255,255,255,0.04);}
.bgt-table tbody tr:hover{background:rgba(255,255,255,0.03);}
.bgt-table tbody td{padding:7px 8px;color:var(--text2);vertical-align:middle;}
.bgt-table tfoot td{padding:8px 8px;font-weight:700;color:var(--text1);border-top:1px solid var(--border2);}
.bgt-table .bgt-del{background:none;border:none;color:rgba(255,255,255,0.2);cursor:pointer;font-size:14px;padding:2px 4px;border-radius:4px;}
.bgt-table .bgt-del:hover{color:#f87171;background:rgba(248,113,113,0.1);}
.bgt-cat-pill{display:inline-block;padding:2px 7px;border-radius:20px;font-size:10px;font-weight:600;background:rgba(20,184,166,0.12);color:var(--teal);white-space:nowrap;}
.bgt-cat-pill.india{background:rgba(240,165,32,0.12);color:var(--amber);}
.bgt-cat-pill.income{background:rgba(52,211,153,0.12);color:#34d399;}
.bgt-empty{text-align:center;color:var(--text3);font-size:12px;padding:18px 0;font-style:italic;}
.bgt-panels{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px;}
@media(max-width:700px){.bgt-panels{grid-template-columns:1fr;}}
.bgt-inr-note{font-size:10px;color:var(--text3);}

/* Education planner chips */
.ed-chip{background:var(--elevated);border:1px solid var(--border2);color:var(--text2);border-radius:20px;padding:4px 10px;font-size:11px;cursor:pointer;transition:all .15s;white-space:nowrap;}
.ed-chip:hover{background:rgba(20,184,166,0.12);border-color:var(--teal);color:var(--teal);}


/* ── Inline scroll containers (bank tables, checklist) ── */
[style*="overflow-y:auto"]{scrollbar-width:thin;scrollbar-color:rgba(240,165,32,0.3) transparent;}
[style*="overflow-y:auto"]::-webkit-scrollbar{width:4px;}
[style*="overflow-y:auto"]::-webkit-scrollbar-track{background:transparent;}
[style*="overflow-y:auto"]::-webkit-scrollbar-thumb{background:rgba(240,165,32,0.3);border-radius:4px;}


/* ── FLIGHTS TO INDIA ─────────────────────────────────────────────────── */
.fl-cur-label{font-size:11px;color:var(--muted);margin-bottom:12px;line-height:1.5;}
.fl-origin-lbl{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px;}
.fl-pills{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:4px;}
.fl-pill{background:var(--surface2);border:1px solid var(--border);color:var(--text2);border-radius:20px;padding:5px 13px;font-size:12px;font-weight:500;cursor:pointer;transition:all .15s;font-family:inherit;}
.fl-pill:hover{border-color:var(--teal);color:var(--teal);}
.fl-pill.active{background:var(--teal);border-color:var(--teal);color:#000;font-weight:700;}
.fl-dest-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:12px;margin-top:16px;}
.fl-dest-card{background:var(--surface2);border:1px solid var(--border);border-radius:12px;padding:15px;transition:border-color .15s;}
.fl-dest-card:hover{border-color:var(--border2);}
.fl-dest-hd{display:flex;align-items:center;gap:10px;margin-bottom:10px;}
.fl-dest-icon{font-size:22px;line-height:1;flex-shrink:0;}
.fl-dest-name{font-size:15px;font-weight:700;color:var(--text);}
.fl-dest-route{font-size:11px;color:var(--muted);font-family:monospace;margin-top:2px;letter-spacing:.03em;}
.fl-price{font-size:17px;font-weight:800;color:var(--teal);margin-bottom:4px;line-height:1.2;}
.fl-price-note{font-size:10px;font-weight:400;color:var(--muted);}
.fl-dur{font-size:10px;color:var(--text2);margin-bottom:5px;line-height:1.5;}
.fl-tip{font-size:10px;color:#f59e0b;margin-bottom:11px;font-style:italic;}
.fl-btn-row{display:grid;grid-template-columns:1fr 1fr;gap:6px;}
.fl-btn{display:block;padding:7px 8px;border-radius:7px;font-size:11px;font-weight:600;text-align:center;text-decoration:none;transition:opacity .15s;cursor:pointer;}
.fl-btn:hover{opacity:.82;}
.fl-btn-sky{background:#0770e3;color:#fff;}
.fl-btn-gf{background:rgba(255,255,255,0.06);border:1px solid var(--border2);color:var(--text2);}
[data-theme="light"] .fl-btn-gf{background:rgba(0,0,0,0.05);color:#374151;border-color:#d1d5db;}
[data-theme="light"] .fl-dest-card{background:#f8fafc;}

/* Flight deal dates */
.fl-deal{display:flex;align-items:center;flex-wrap:wrap;gap:6px;margin:8px 0 10px;padding:7px 10px;background:rgba(20,184,166,0.07);border:1px solid rgba(20,184,166,0.2);border-radius:8px;}
.fl-deal-tag{font-size:10px;font-weight:700;color:var(--teal);text-transform:uppercase;letter-spacing:.06em;white-space:nowrap;}
.fl-deal-months{font-size:13px;font-weight:700;color:var(--teal);}
.fl-deal-note{font-size:10px;color:var(--muted);margin-left:2px;}