/* ============================================================
   Finance Toolkit - modern fintech theme (Oct 2026)
   Covers the home page (body.home) and all calculator/guide pages.
   ============================================================ */

:root{
  --bg:#f6f8f7; --surface:#ffffff; --ink:#0f1f1a; --ink-soft:#52645c; --line:#e3e9e6;
  --brand:#0e9f6e; --brand-deep:#0b7a55; --brand-soft:#e6f6ef;
  --accent:#6c5ce7; --accent-soft:#eeebff;
  --amber:#f59e0b; --amber-soft:#fff4de; --sky:#0ea5e9; --sky-soft:#e3f4fd; --rose:#e11d48; --rose-soft:#ffe8ee;
  --shadow:0 1px 2px rgba(15,31,26,.05),0 12px 32px rgba(15,31,26,.08);
  --r:18px;
  --link:#0b7a55;
}
@media (prefers-color-scheme: dark){
  :root{
    --bg:#08100d; --surface:#0f1a16; --ink:#eaf3ef; --ink-soft:#97aaa2; --line:#1d2c26;
    --brand:#2ed39a; --brand-deep:#1fb583; --brand-soft:rgba(46,211,154,.12);
    --accent:#9d90ff; --accent-soft:rgba(157,144,255,.14);
    --amber-soft:rgba(245,158,11,.14); --sky-soft:rgba(14,165,233,.14); --rose-soft:rgba(225,29,72,.16);
    --shadow:0 1px 2px rgba(0,0,0,.4),0 16px 40px rgba(0,0,0,.4);
    --link:#2ed39a;
  }
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0; background:var(--bg); color:var(--ink);
  font-family:'Inter','Noto Sans Telugu',system-ui,sans-serif; line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
a{color:var(--link);text-decoration:none;}
a:hover{text-decoration:underline;text-underline-offset:3px;}
.te{font-family:'Noto Sans Telugu','Inter',sans-serif;}
.stub-rail{display:none;}

/* ---------- shared layout (inner pages) ---------- */
.page{max-width:860px;margin:0 auto;padding:0 20px 60px;}
.masthead{padding-top:0;}
.masthead-top{
  display:flex;justify-content:space-between;align-items:center;gap:12px;
  height:64px;border-bottom:1px solid var(--line);font-size:.8rem;color:var(--ink-soft);
}
.brand{font-weight:800;font-size:1.08rem;letter-spacing:-.01em;color:var(--ink);display:flex;align-items:center;gap:10px;}
.brand:hover{text-decoration:none;}
.brand::before{
  content:"₹";width:32px;height:32px;border-radius:10px;display:grid;place-items:center;color:#fff;font-size:.95rem;
  background:linear-gradient(135deg,var(--brand),var(--brand-deep));
}
.brand span{color:var(--brand);}

.hero{padding-block:34px 10px;}
.eyebrow{
  display:inline-block;background:var(--brand-soft);color:var(--brand-deep);border-radius:999px;
  padding:5px 14px;font-size:.78rem;font-weight:600;
}
@media (prefers-color-scheme: dark){.eyebrow{color:var(--brand);}}
.hero h1{font-size:clamp(1.8rem,5vw,2.7rem);line-height:1.15;letter-spacing:-.02em;margin:16px 0 12px;font-weight:800;}
.hero h1 .te{display:block;font-size:.62em;font-weight:600;color:var(--ink-soft);margin-top:6px;letter-spacing:0;}
.hero-sub{color:var(--ink-soft);font-size:1.02rem;max-width:640px;margin:0 0 18px;}
.hero-sub .te{display:block;margin-top:6px;}

.ledger-meta{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin:22px 0 8px;}
.ledger-meta>div{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:14px 16px;}
.lbl{display:block;font-size:.72rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-soft);}
.val{display:block;font-weight:700;margin-top:2px;}

section.reveal{padding-block:26px 6px;}
.section-head{display:flex;align-items:center;gap:12px;}
.section-head h2{margin:0;font-size:1.35rem;letter-spacing:-.015em;line-height:1.3;}
.section-head h2 .te{display:block;font-size:.72em;font-weight:500;color:var(--ink-soft);margin-top:2px;}
.num{
  flex:none;width:34px;height:34px;border-radius:10px;display:grid;place-items:center;
  background:var(--brand-soft);color:var(--brand-deep);font-weight:800;font-size:.8rem;
}
@media (prefers-color-scheme: dark){.num{color:var(--brand);}}
.section-rule{display:none;}

/* rows (tile list) */
.rows{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px;margin-top:16px;}
.row{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:18px;
  display:flex;gap:14px;align-items:flex-start;transition:transform .15s,box-shadow .15s,border-color .15s;
}
.row:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:color-mix(in srgb,var(--brand) 40%,var(--line));}
.tag{
  flex:none;min-width:40px;height:40px;border-radius:12px;display:grid;place-items:center;padding-inline:8px;
  background:var(--accent-soft);color:var(--accent);font-weight:800;font-size:.82rem;
}
.row h3{margin:0 0 4px;font-size:1.02rem;line-height:1.35;}
.row h3 a{color:var(--ink);}
.row h3 .te{display:block;font-size:.86em;font-weight:500;color:var(--ink-soft);}
.row p{margin:0;color:var(--ink-soft);font-size:.9rem;}

/* calculator card */
.calc-card{background:var(--surface);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);padding:24px;margin-top:16px;}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;}
.field label{display:block;font-size:.84rem;font-weight:600;margin-bottom:6px;color:var(--ink-soft);}
.field input,.field select{
  width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);
  font:inherit;font-size:1rem;
}
.field input:focus,.field select:focus{outline:2px solid var(--brand);outline-offset:1px;border-color:transparent;}
.calc-actions{margin-top:18px;}
.calc-btn{
  background:var(--brand);color:#fff;border:0;border-radius:12px;padding:13px 22px;font:inherit;font-weight:700;cursor:pointer;
  width:100%;
}
@media (min-width:560px){.calc-btn{width:auto;}}
.calc-btn:hover{background:var(--brand-deep);}
.results{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin-top:20px;padding-top:20px;border-top:1px dashed var(--line);}
.results[hidden]{display:none;}
.result-item{background:var(--brand-soft);border-radius:14px;padding:14px 16px;}
.result-item .lbl{color:var(--brand-deep);}
@media (prefers-color-scheme: dark){.result-item .lbl{color:var(--brand);}}
.amt{font-size:1.5rem;font-weight:800;letter-spacing:-.02em;margin-top:4px;word-break:break-word;}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin-top:16px;}
.mini-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:18px;}
.mini-card h3{margin:0 0 6px;font-size:1rem;}
.mini-card p{margin:0;color:var(--ink-soft);font-size:.9rem;}

/* stamp */
.stamp{margin-top:22px;}
.stamp .inner{
  display:inline-flex;gap:10px;align-items:center;background:var(--brand-soft);border-radius:14px;padding:12px 16px;
  color:var(--ink-soft);font-size:.86rem;line-height:1.4;
}
.stamp .inner::before{content:"✓";width:26px;height:26px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800;flex:none;}
.stamp b{display:block;color:var(--ink);font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;}

/* faq */
.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin-top:12px;}
.faq-item h3{margin:0 0 6px;font-size:1rem;line-height:1.4;}
.faq-item h3 .te{display:block;font-size:.88em;font-weight:500;color:var(--ink-soft);}
.faq-item p{margin:0;color:var(--ink-soft);font-size:.92rem;}

/* CTA band */
.cta-band{
  margin-top:34px;padding:34px 28px;border-radius:26px;color:#fff;
  background:linear-gradient(135deg,#0b7a55,#0f5c46 55%,#2b2a73);
}
.cta-band h2{margin:0 0 8px;font-size:1.4rem;letter-spacing:-.015em;}
.cta-band h2 .te{display:block;font-size:.72em;font-weight:500;opacity:.85;margin-top:2px;}
.cta-band p{margin:0 0 18px;color:rgba(255,255,255,.85);max-width:520px;}
.cta-btn{display:inline-block;background:#fff;color:#0b3d2f;border-radius:12px;padding:12px 20px;font-weight:700;}
.cta-btn:hover{text-decoration:none;opacity:.92;}

footer{
  margin-top:40px;border-top:1px solid var(--line);padding-top:20px;color:var(--ink-soft);font-size:.88rem;
  display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:space-between;
}
footer a{color:var(--ink-soft);}
footer a:hover{color:var(--ink);}

.reveal{opacity:0;transform:translateY(10px);transition:opacity .5s ease,transform .5s ease;}
.reveal.in{opacity:1;transform:none;}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none;}
  html{scroll-behavior:auto;}
}
@media (max-width:560px){.page{padding-inline:16px;} .masthead-top > span{display:none;}}

/* ============================================================
   HOME PAGE (body.home)
   ============================================================ */
.home .wrap{max-width:1120px;margin-inline:auto;padding-inline:20px;}
.home .nav{position:sticky;top:0;z-index:10;backdrop-filter:saturate(1.4) blur(12px);background:color-mix(in srgb,var(--bg) 82%,transparent);border-bottom:1px solid var(--line);}
.home .nav .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;}
.home .links{display:flex;gap:26px;font-size:.92rem;font-weight:500;}
.home .links a{color:var(--ink-soft);}
.home .links a:hover{color:var(--ink);text-decoration:none;}
@media (max-width:760px){.home .links{display:none;}}
.btn{display:inline-flex;align-items:center;gap:8px;border-radius:12px;padding:11px 18px;font-weight:600;font-size:.94rem;border:1px solid transparent;cursor:pointer;}
.btn:hover{text-decoration:none;}
.btn-primary{background:var(--brand);color:#fff;}
.btn-primary:hover{background:var(--brand-deep);}
.btn-ghost{border-color:var(--line);background:var(--surface);color:var(--ink);}
.btn-white{background:#fff;color:#0b3d2f;}

.home .hero{padding-block:56px 36px;display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;}
@media (max-width:900px){.home .hero{grid-template-columns:1fr;padding-block:32px 20px;}}
.pill{display:inline-flex;align-items:center;gap:8px;background:var(--brand-soft);color:var(--brand-deep);border-radius:999px;padding:6px 14px;font-size:.8rem;font-weight:600;}
@media (prefers-color-scheme: dark){.pill{color:var(--brand);}}
.pill b{width:7px;height:7px;border-radius:50%;background:var(--brand);}
.home .hero h1{font-size:clamp(2rem,5.2vw,3.4rem);line-height:1.15;letter-spacing:-.025em;margin:18px 0 14px;}
.home .hero h1 .grad{display:inline;font-size:1em;color:transparent;margin:0;background:linear-gradient(90deg,var(--brand),var(--accent));-webkit-background-clip:text;background-clip:text;}
.lead{color:var(--ink-soft);font-size:1.08rem;max-width:520px;margin:0 0 26px;}
.cta{display:flex;flex-wrap:wrap;gap:12px;}
.trust{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:28px;color:var(--ink-soft);font-size:.86rem;}
.trust > span::before{content:"✓";color:var(--brand);font-weight:800;margin-right:7px;}

.calc{background:var(--surface);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);padding:24px;}
.calc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px;}
.calc-head h2{margin:0;font-size:1.02rem;font-weight:700;}
.calc .row{display:flex;justify-content:space-between;font-size:.84rem;color:var(--ink-soft);margin-bottom:6px;background:none;border:0;padding:0;border-radius:0;box-shadow:none;transform:none;}
.calc .row b{color:var(--ink);font-weight:700;font-size:.95rem;}
.calc .field{margin-bottom:16px;}
input[type=range]{width:100%;accent-color:var(--brand);height:4px;padding:0;border:0;background:none;}
.result{display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:center;border-top:1px dashed var(--line);padding-top:18px;margin-top:6px;}
.donut{width:112px;height:112px;border-radius:50%;background:conic-gradient(var(--brand) 0 var(--p,60%),var(--accent) var(--p,60%) 100%);display:grid;place-items:center;}
.donut div{width:78px;height:78px;border-radius:50%;background:var(--surface);display:grid;place-items:center;text-align:center;font-size:.68rem;color:var(--ink-soft);line-height:1.2;}
.donut strong{display:block;color:var(--ink);font-size:.9rem;}
.emi{font-size:1.9rem;font-weight:800;letter-spacing:-.02em;}
.emi small{display:block;font-size:.78rem;font-weight:500;color:var(--ink-soft);letter-spacing:0;}
.split{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.8rem;color:var(--ink-soft);margin-top:8px;}
.split i{display:inline-block;width:9px;height:9px;border-radius:3px;margin-right:6px;}
.more{display:flex;justify-content:space-between;align-items:center;margin-top:16px;font-size:.86rem;font-weight:600;color:var(--link);}

.block{padding-block:36px;}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:20px;gap:16px;flex-wrap:wrap;}
.sec-head h2{margin:0;font-size:1.55rem;letter-spacing:-.015em;}
.sec-head p{margin:4px 0 0;color:var(--ink-soft);font-size:.95rem;}
.chips{display:flex;gap:8px;flex-wrap:wrap;}
.chip{border:1px solid var(--line);background:var(--surface);border-radius:999px;padding:7px 14px;font-size:.84rem;font-weight:600;color:var(--ink-soft);cursor:pointer;font-family:inherit;}
.chip.on{background:var(--ink);color:var(--bg);border-color:var(--ink);}

.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;}
.tile{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:20px;display:flex;flex-direction:column;gap:10px;color:var(--ink);transition:transform .15s,box-shadow .15s,border-color .15s;}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:color-mix(in srgb,var(--brand) 40%,var(--line));text-decoration:none;}
.ico{width:44px;height:44px;border-radius:13px;display:grid;place-items:center;font-weight:800;font-size:.9rem;}
.i-g{background:var(--brand-soft);color:var(--brand-deep);} .i-p{background:var(--accent-soft);color:var(--accent);}
.i-a{background:var(--amber-soft);color:#b7791f;} .i-s{background:var(--sky-soft);color:#0b7bb0;} .i-r{background:var(--rose-soft);color:var(--rose);}
@media (prefers-color-scheme: dark){.i-g{color:var(--brand);} .i-a{color:var(--amber);} .i-s{color:var(--sky);}}
.tile h3{margin:4px 0 0;font-size:1.05rem;}
.tile h3 span{display:block;font-size:.88rem;font-weight:500;color:var(--ink-soft);margin-top:2px;}
.tile p{margin:0;color:var(--ink-soft);font-size:.9rem;flex:1;}
.tile .go{font-weight:600;font-size:.86rem;color:var(--link);}

.feat{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
@media (max-width:800px){.feat{grid-template-columns:1fr;}}
.feat>div{padding:24px;border-radius:var(--r);background:var(--surface);border:1px solid var(--line);}
.feat h3{margin:12px 0 6px;font-size:1.05rem;} .feat p{margin:0;color:var(--ink-soft);font-size:.92rem;}

.band{background:linear-gradient(135deg,#0b7a55,#0f5c46 55%,#2b2a73);color:#fff;border-radius:28px;padding:44px;display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center;overflow:hidden;}
@media (max-width:800px){.band{grid-template-columns:1fr;padding:30px 24px;}}
.band h2{margin:0 0 10px;font-size:clamp(1.5rem,3.4vw,2.1rem);letter-spacing:-.02em;}
.band p{margin:0 0 22px;color:rgba(255,255,255,.85);max-width:480px;}
.phone{justify-self:center;width:190px;height:300px;border-radius:30px;background:#0a1512;border:6px solid #1c2b26;padding:14px;box-shadow:0 30px 60px rgba(0,0,0,.4);transform:rotate(4deg);}
.phone .scr{height:100%;border-radius:18px;background:linear-gradient(180deg,#12362b,#0b1f19);padding:14px;font-size:.62rem;color:#bfe8d9;display:flex;flex-direction:column;gap:8px;}
.phone .scr b{font-size:1.1rem;color:#fff;}
.phone .bar{height:6px;border-radius:3px;background:rgba(255,255,255,.14);} .phone .bar i{display:block;height:100%;width:66%;border-radius:3px;background:#2ed39a;}

.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
@media (max-width:800px){.guides{grid-template-columns:1fr;}}
.guide{display:block;padding:20px;border-radius:var(--r);background:var(--surface);border:1px solid var(--line);color:var(--ink);}
.guide:hover{text-decoration:none;box-shadow:var(--shadow);}
.guide small{color:var(--link);font-weight:700;font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;}
.guide h3{margin:8px 0 6px;font-size:1.02rem;} .guide p{margin:0;color:var(--ink-soft);font-size:.9rem;}

.home footer{margin-top:48px;padding-block:28px 44px;}
.home footer .wrap{display:flex;flex-wrap:wrap;gap:12px 28px;justify-content:space-between;}
.home footer nav{display:flex;gap:20px;flex-wrap:wrap;}

.tabs{display:flex;gap:4px;}
.tabs .chip{padding:5px 12px;font-size:.78rem;}
.tabs .chip.on{background:var(--brand);border-color:var(--brand);color:#fff;}
.chip:focus-visible,.btn:focus-visible,a:focus-visible,button:focus-visible{outline:2px solid var(--brand);outline-offset:2px;}

/* ---------- language modes: html[data-lang] = both | en | te ---------- */
html[data-lang="en"] [lang="te"]{display:none !important;}
html[data-lang="te"] .en{display:none !important;}
p.en{margin:10px 0 0;}
p.en + p.te{margin:4px 0 0;color:var(--ink-soft);}
.en,.te{--x:0;}
.faq-item h3 [lang]{display:block;}
.faq-item h3 .te{font-size:.88em;font-weight:500;color:var(--ink-soft);}
.bi .te{display:inline;margin-left:.35em;}
.bi .te::before{content:"· ";}
.langsw{display:inline-flex;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--surface);flex:none;}
.langsw button{border:0;background:none;color:var(--ink-soft);font:inherit;font-size:.74rem;font-weight:700;padding:6px 10px;cursor:pointer;}
.langsw button.on{background:var(--ink);color:var(--bg);}
.masthead-top{gap:10px;}
.masthead-top .brand{margin-right:auto;}
.home .nav .wrap{gap:12px;}
.home .nav .langsw{margin-left:auto;}
@media (max-width:760px){.home .links{display:none;}}

.home p .en,.home p .te{display:block;}
.home p .te{margin-top:2px;color:var(--ink-soft);font-size:.94em;}
.home .band p .te{color:rgba(255,255,255,.8);}
.home .more .bi .te,.home .btn .te{display:inline;}
.home .calc .row .bi .te{display:inline;margin-left:.3em;}
.home .tile p .te:first-child,.home .lead .te:first-child{margin-top:0;}
.home .guide p .en{display:block;}
.home .calc-head h2 .te{font-size:.9em;font-weight:600;}
.home .trust .bi .te{color:var(--ink-soft);}

.sec-head h2 .te{display:block;font-size:.72em;font-weight:500;color:var(--ink-soft);margin-top:2px;letter-spacing:0;}
.donut .en,.donut .te{display:block;font-size:.66rem;font-weight:500;line-height:1.15;margin:0;}
.donut .te::before{content:none;}
.donut .bi .te{margin-left:0;}
.home .band h2 .te{margin-top:2px;}