/* ==========================================================================
   DELTA RUPEX FOUNDATION — public site
   Colour tokens are injected per-request from the admin settings.
   ========================================================================== */

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Manrope', system-ui, -apple-system, 'Segoe UI', sans-serif;
  color: #1e2a3a;
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

.wrap      { max-width: 1200px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }
.wrap-md   { max-width: 1100px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }
.wrap-sm   { max-width: 1000px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }
.wrap-xs   { max-width: 900px;  margin: 0 auto; padding-left: 24px; padding-right: 24px; }

.serif     { font-family: 'Lora', Georgia, serif; }
.fade-in   { animation: dffFade .5s ease both; }
@keyframes dffFade { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--navy); color: #fff; padding: 10px 18px; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* ---------------------------------------------------------------- header */

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: #fff;
  border-bottom: 1px solid #ece7da;
  box-shadow: 0 2px 18px rgba(19, 49, 94, .06);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 14px;
  padding-top: 12px; padding-bottom: 12px;
}
.brand { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.brand img { height: 52px; width: auto; }
.brand-text { font-family: 'Lora', serif; font-weight: 700; font-size: 1.25rem; color: var(--navy); }

.nav { display: flex; align-items: center; gap: 6px; }
.nav a {
  text-decoration: none; font-weight: 600; font-size: 15px;
  color: var(--navy); padding: 8px 14px; border-radius: 8px;
  transition: background .15s ease, color .15s ease;
}
.nav a:hover        { background: #f3f6ef; }
.nav a.is-active    { color: var(--green); }

.header-cta { display: flex; align-items: center; gap: 14px; }

.nav-toggle {
  display: none;
  background: #f3f6ef; border: 1px solid #e3ddce; border-radius: 10px;
  width: 46px; height: 46px; align-items: center; justify-content: center;
  cursor: pointer; color: var(--navy); padding: 0;
}
.mobile-menu {
  display: none;
  border-top: 1px solid #ece7da; background: #fff;
}
.mobile-menu.is-open { display: block; }
.mobile-menu nav { display: flex; flex-direction: column; padding: 10px 24px 18px; gap: 2px; }
.mobile-menu nav a {
  text-decoration: none; font-weight: 600; font-size: 16px;
  color: var(--navy); padding: 13px 4px; border-bottom: 1px solid #f2eee4;
}
.mobile-menu nav a.is-active { color: var(--green); }
.mobile-menu .btn { margin-top: 14px; text-align: center; }

@media (max-width: 859px) {
  .nav, .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .brand img { height: 44px; }
}

/* ---------------------------------------------------------------- buttons */

.btn {
  display: inline-block; text-decoration: none; text-align: center;
  font-weight: 700; font-size: 16px; padding: 15px 30px;
  border-radius: 999px; border: none; cursor: pointer;
  transition: background .18s ease, box-shadow .18s ease, transform .18s ease;
  font-family: inherit;
}
.btn-green  { background: var(--green); color: #fff; box-shadow: 0 10px 24px rgba(63, 143, 48, .28); }
.btn-green:hover  { background: var(--green-dark); }
.btn-gold   { background: var(--gold); color: var(--navy); box-shadow: 0 12px 30px rgba(233, 200, 106, .3); font-weight: 800; }
.btn-gold:hover   { filter: brightness(1.06); }
.btn-ghost  { background: #fff; color: var(--navy); border: 1.5px solid #d9d2c1; }
.btn-ghost:hover  { border-color: var(--navy); }
.btn-sm     { font-size: 14px; padding: 11px 20px; box-shadow: 0 6px 16px rgba(63, 143, 48, .28); }
.btn-block  { display: block; width: 100%; }

/* ---------------------------------------------------------------- generic */

.eyebrow {
  color: var(--green); font-weight: 700; font-size: 13px;
  letter-spacing: .08em; text-transform: uppercase;
}
.eyebrow-gold { color: var(--gold); }
.pill {
  display: inline-block; background: #eaf3e6; color: #2f7a2a;
  font-weight: 700; font-size: 13px; letter-spacing: .04em;
  padding: 7px 15px; border-radius: 999px; text-transform: uppercase;
}
.h1 { font-family: 'Lora', serif; font-weight: 700; font-size: clamp(2.1rem, 4.4vw, 3.4rem); line-height: 1.12; color: var(--navy); margin: 20px 0 0; }
.h2 { font-family: 'Lora', serif; font-weight: 700; font-size: clamp(1.7rem, 3vw, 2.4rem); color: var(--navy); margin: 10px 0 0; }
.lead { font-size: clamp(1rem, 1.4vw, 1.18rem); line-height: 1.65; color: #5b6672; margin: 18px 0 0; }
.muted { color: #5b6672; }

.section-head { text-align: center; max-width: 640px; margin: 0 auto 42px; }
.section-head p { color: #5b6672; font-size: 1.05rem; line-height: 1.6; margin: 14px 0 0; }

.grid { display: grid; gap: 22px; }
.grid-auto-280 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-auto-260 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid-auto-250 { grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); }
.grid-auto-240 { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.grid-auto-180 { grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); }

.card {
  background: #fff; border: 1px solid #eee7d7; border-radius: 16px; padding: 28px;
  box-shadow: 0 8px 24px rgba(19, 49, 94, .05);
  transition: box-shadow .2s ease, transform .2s ease;
}
.card-hover:hover { box-shadow: 0 14px 34px rgba(19, 49, 94, .12); transform: translateY(-3px); }
.card h3 { font-size: 1.2rem; font-weight: 700; color: var(--navy); margin: 0 0 8px; }
.card p  { color: #5b6672; font-size: .96rem; line-height: 1.6; margin: 0; }

.icon-box {
  width: 52px; height: 52px; border-radius: 13px;
  display: flex; align-items: center; justify-content: center; margin-bottom: 16px;
}
.icon-green { background: #eaf3e6; }
.icon-navy  { background: #e7eef8; }

/* ---------------------------------------------------------------- hero */

.hero { background: linear-gradient(180deg, #f3f6ef 0%, var(--cream) 100%); }
.hero-inner {
  padding: 56px 24px 44px;
  display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 40px; align-items: center;
}
.hero p.lead { max-width: 540px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }
.hero-note { margin: 22px 0 0; font-size: 14px; color: #5b6672; }
.hero-note strong { color: var(--navy); }
.hero-note a { color: var(--green); font-weight: 700; text-decoration: none; }
.hero-media { border-radius: 20px; overflow: hidden; box-shadow: 0 24px 60px rgba(19, 49, 94, .18); }
.hero-media img { width: 100%; height: auto; }

/* ---------------------------------------------------------------- stats */

.stats { background: var(--navy); }
.stats-grid { padding: 38px 24px; display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 18px; }
.stat { text-align: center; padding: 8px; }
.stat-num { font-family: 'Lora', serif; font-weight: 700; font-size: clamp(1.9rem, 3vw, 2.6rem); color: var(--gold); line-height: 1; }
.stat-label { margin-top: 8px; font-size: 14px; font-weight: 600; color: #c8d3e6; letter-spacing: .02em; }
.stats-note { padding: 0 24px 30px; text-align: center; color: #c8d3e6; font-size: 14px; }

/* ---------------------------------------------------------------- badges */

.badge-row { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; margin-top: 18px; }
.badge {
  background: #f2f5f9; border: 1px solid #dce4ee; color: var(--navy);
  font-weight: 800; font-size: 11px; padding: 8px 10px; border-radius: 6px;
}
.partner-strip {
  display: flex; align-items: center; gap: 10px;
  background: #f5f8fc; border: 1px solid #dce4ee; border-radius: 8px;
  padding: 8px 11px; width: max-content; max-width: 100%; margin-top: 18px;
}
.partner-strip img { height: 30px; width: auto; object-fit: contain; }
.partner-strip span { font-size: 12px; font-weight: 800; color: var(--navy); }

/* ---------------------------------------------------------------- loans */

.band-soft { background: #f3f6ef; }
.loans-head {
  display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between;
  gap: 16px; margin-bottom: 38px;
}
.amount-pill { background: var(--navy); color: var(--gold); font-weight: 700; font-size: 15px; padding: 11px 20px; border-radius: 999px; white-space: nowrap; }
.loan-card {
  background: #fff; border-radius: 16px; padding: 28px;
  border-top: 4px solid var(--green); box-shadow: 0 8px 24px rgba(19, 49, 94, .06);
}
.loan-card:nth-child(even) { border-top-color: var(--navy); }
.loan-num { font-family: 'Lora', serif; font-weight: 700; font-size: 1.4rem; color: var(--green); }
.loan-card:nth-child(even) .loan-num { color: var(--navy); }
.loan-card h3 { font-size: 1.25rem; font-weight: 700; color: var(--navy); margin: 8px 0 8px; }
.loan-card p  { color: #5b6672; font-size: .95rem; line-height: 1.6; margin: 0 0 14px; }
.loan-link    { text-decoration: none; color: var(--green); font-weight: 700; font-size: .95rem; }

/* ---------------------------------------------------------------- why us */

.feature { display: flex; gap: 16px; align-items: flex-start; }
.feature-icon {
  flex-shrink: 0; width: 46px; height: 46px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
}
.feature h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin: 0 0 6px; }
.feature p  { color: #5b6672; font-size: .95rem; line-height: 1.6; margin: 0; }

/* ---------------------------------------------------------------- testimonials */

.quote-card { background: #fff; border-radius: 16px; padding: 30px; box-shadow: 0 8px 24px rgba(19, 49, 94, .06); }
.stars { color: var(--gold); font-size: 1.3rem; letter-spacing: 2px; }
.quote-card blockquote {
  font-family: 'Lora', serif; font-style: italic; color: #33404f;
  font-size: 1.05rem; line-height: 1.65; margin: 14px 0 22px;
}
.quote-author { display: flex; align-items: center; gap: 13px; }
.avatar {
  width: 46px; height: 46px; border-radius: 50%; color: #fff; font-weight: 700;
  display: flex; align-items: center; justify-content: center; font-size: 15px; flex-shrink: 0;
}
.quote-name { font-weight: 700; color: var(--navy); }
.quote-role { font-size: .85rem; color: #5b6672; }

/* ---------------------------------------------------------------- CTA */

.cta-band { background: linear-gradient(120deg, var(--navy) 0%, #1c4a2e 100%); }
.cta-inner { max-width: 1000px; margin: 0 auto; padding: 60px 24px; text-align: center; }
.cta-inner h2 { font-family: 'Lora', serif; font-weight: 700; font-size: clamp(1.8rem, 3.4vw, 2.6rem); color: #fff; margin: 0; }
.cta-inner p  { color: #c8d3e6; font-size: 1.1rem; line-height: 1.6; margin: 16px auto 0; max-width: 560px; }
.cta-inner .btn { margin-top: 28px; }

/* ---------------------------------------------------------------- page banner */

.page-banner { background: linear-gradient(180deg, var(--navy), #1a3f70); padding: 64px 24px 56px; text-align: center; }
.page-banner h1 { font-family: 'Lora', serif; font-weight: 700; font-size: clamp(2rem, 4vw, 3rem); color: #fff; margin: 12px 0 0; }
.page-banner p  { color: #c8d3e6; font-size: 1.1rem; line-height: 1.65; margin: 16px auto 0; max-width: 640px; }

/* ---------------------------------------------------------------- services page */

.service-row {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 30px; align-items: center;
  background: #fff; border: 1px solid #eee7d7; border-radius: 18px;
  padding: 34px; margin-bottom: 22px; box-shadow: 0 8px 24px rgba(19, 49, 94, .05);
}
.service-row .tag {
  display: inline-block; background: #eaf3e6; color: #2f7a2a; font-weight: 700;
  font-size: 12px; letter-spacing: .05em; padding: 6px 13px; border-radius: 999px; text-transform: uppercase;
}
.service-row h2 { font-family: 'Lora', serif; font-weight: 700; font-size: 1.6rem; color: var(--navy); margin: 14px 0 10px; }
.service-row > div > p { color: #5b6672; font-size: 1rem; line-height: 1.65; margin: 0; }
.tick-list { margin: 0; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 11px; }
.tick-list li { display: flex; gap: 11px; align-items: flex-start; color: #33404f; font-size: .98rem; line-height: 1.5; }
.tick {
  flex-shrink: 0; width: 22px; height: 22px; border-radius: 50%; background: #eaf3e6;
  display: inline-flex; align-items: center; justify-content: center; margin-top: 1px;
}
.loan-tile { background: #f3f6ef; border-radius: 14px; padding: 24px; border-left: 4px solid var(--green); }
.loan-tile h3 { font-size: 1.15rem; font-weight: 700; color: var(--navy); margin: 0 0 8px; }
.loan-tile p  { color: #5b6672; font-size: .94rem; line-height: 1.55; margin: 0 0 12px; }
.loan-tile .amount-pill { font-size: 13px; padding: 6px 13px; }

/* ---------------------------------------------------------------- about */

.about-split { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 40px; align-items: center; }
.about-split h2 { font-family: 'Lora', serif; font-weight: 700; font-size: 1.9rem; color: var(--navy); margin: 10px 0 14px; }
.about-split p  { color: #5b6672; font-size: 1rem; line-height: 1.7; margin: 0 0 14px; }
.about-media { border-radius: 18px; overflow: hidden; box-shadow: 0 20px 50px rgba(19, 49, 94, .16); }

/* ---------------------------------------------------------------- contact */

.contact-card { background: #fff; border: 1px solid #eee7d7; border-radius: 16px; padding: 32px; box-shadow: 0 8px 24px rgba(19, 49, 94, .05); text-decoration: none; display: block; }
.contact-card h3 { font-size: 1.15rem; font-weight: 700; color: var(--navy); margin: 0 0 6px; }
.contact-card .big { color: var(--green); font-weight: 700; font-size: 1.15rem; margin: 0; }
.contact-card p { color: #33404f; font-size: .98rem; line-height: 1.6; margin: 0; }
.contact-card small { color: #5b6672; font-size: .9rem; display: block; margin-top: 6px; }

.form-panel { margin-top: 44px; background: #f3f6ef; border-radius: 18px; padding: 44px 32px; }
.form-panel h2 { font-family: 'Lora', serif; font-weight: 700; font-size: 1.7rem; color: var(--navy); margin: 0 0 10px; text-align: center; }
.form-panel > p { color: #5b6672; font-size: 1.02rem; margin: 0 auto 28px; text-align: center; max-width: 560px; }

.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: .92rem; color: var(--navy); margin-bottom: 7px; }
.field .req { color: #c0392b; }
.field input, .field select, .field textarea {
  width: 100%; font-family: inherit; font-size: 1rem; color: #1e2a3a;
  background: #fff; border: 1.5px solid #e0dccd; border-radius: 10px;
  padding: 13px 15px; transition: border-color .15s ease, box-shadow .15s ease;
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(63, 143, 48, .13);
}
.field .err { color: #c0392b; font-size: .85rem; margin-top: 6px; display: block; }
.field-2 { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 0 18px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.alert { border-radius: 12px; padding: 16px 20px; margin-bottom: 24px; font-size: .98rem; line-height: 1.55; }
.alert-ok   { background: #eaf6e4; border: 1px solid #c4e2b8; color: #23621a; }
.alert-err  { background: #fdecea; border: 1px solid #f5c3bd; color: #a12a1c; }

.map-embed { margin-top: 44px; border-radius: 18px; overflow: hidden; box-shadow: 0 8px 24px rgba(19, 49, 94, .08); line-height: 0; }
.map-embed iframe { width: 100%; height: 380px; border: 0; }

/* ---------------------------------------------------------------- footer */

.site-footer { background: #0f274a; color: #c8d3e6; }
.footer-grid { padding: 52px 24px 20px; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 34px; }
.footer-grid h4 { color: #fff; font-size: 1rem; font-weight: 700; margin: 0 0 14px; }
.footer-logo { height: 64px; width: auto; background: #fff; padding: 10px 14px; border-radius: 12px; }
.footer-about { font-size: .94rem; line-height: 1.6; margin: 18px 0 0; max-width: 300px; color: #9fb0c9; }
.footer-links { display: flex; flex-direction: column; gap: 10px; font-size: .95rem; }
.footer-links a { text-decoration: none; color: #c8d3e6; transition: color .15s ease; }
.footer-links a:hover { color: var(--gold); }
.footer-services { display: flex; flex-direction: column; gap: 10px; font-size: .95rem; color: #9fb0c9; }
.footer-phone { text-decoration: none; color: var(--gold); font-weight: 700; font-size: 1.15rem; }
.footer-mail  { text-decoration: none; color: #c8d3e6; font-size: .95rem; display: inline-block; margin-top: 8px; }
.footer-hours { font-size: .92rem; color: #9fb0c9; margin: 12px 0 0; }
.footer-social { display: flex; gap: 10px; margin-top: 16px; }
.footer-social a {
  width: 36px; height: 36px; border-radius: 9px; background: #17325a; color: #c8d3e6;
  display: flex; align-items: center; justify-content: center; text-decoration: none;
  transition: background .15s ease, color .15s ease;
}
.footer-social a:hover { background: var(--gold); color: var(--navy); }
.footer-bottom { border-top: 1px solid #1e3a63; margin-top: 20px; }
.footer-bottom-inner {
  padding: 20px 24px; display: flex; flex-wrap: wrap; gap: 10px;
  justify-content: space-between; align-items: center; font-size: .85rem; color: #8ea1bc;
}
.footer-bottom-inner a { color: var(--gold); font-weight: 700; text-decoration: none; }
.footer-bottom-inner a:hover { text-decoration: underline; }

/* ---------------------------------------------------------------- EMI calculator */

.emi-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr); gap: 28px; align-items: start; }
@media (max-width: 859px) { .emi-grid { grid-template-columns: minmax(0, 1fr); } }

.emi-panel { background: #f3f6ef; border-radius: 18px; padding: 34px 32px 16px; }
.emi-field { margin: 0 0 30px; }
.emi-field-head { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 10px 16px; margin-bottom: 14px; }
.emi-field-head > label, .emi-freq legend { font-weight: 700; font-size: 1rem; color: var(--navy); }

.emi-input {
  display: flex; align-items: center; gap: 8px; background: #fff;
  border: 1.5px solid #e0dccd; border-radius: 10px; padding: 6px 12px 6px 14px;
  font-weight: 700; color: var(--navy); transition: border-color .15s ease, box-shadow .15s ease;
}
.emi-input:focus-within { border-color: var(--green); box-shadow: 0 0 0 3px rgba(63, 143, 48, .13); }
.emi-input > span { color: #5b6672; font-weight: 600; font-size: .92rem; white-space: nowrap; }
.emi-input input {
  border: 0; outline: none; background: transparent; padding: 6px 0;
  font-family: inherit; font-size: 1.05rem; font-weight: 700; color: var(--navy);
}
.emi-input input[type="number"] { width: 110px; text-align: right; -moz-appearance: textfield; appearance: textfield; }
.emi-input input[type="number"]::-webkit-inner-spin-button,
.emi-input input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
#emiRate, #emiMonths { width: 64px; }
.emi-date { min-width: 150px; cursor: pointer; }

.emi-range { width: 100%; margin: 0; accent-color: var(--green); height: 6px; cursor: pointer; }
.emi-scale { display: flex; justify-content: space-between; margin-top: 8px; font-size: .82rem; color: #5b6672; }

/* frequency picker — each option also shows its installment */
.emi-freq { border: 0; padding: 0; min-width: 0; }
.emi-freq legend { padding: 0; margin-bottom: 14px; }
.emi-freq-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.emi-freq-opt { position: relative; cursor: pointer; }
.emi-freq-opt input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.emi-freq-card {
  display: flex; flex-direction: column; gap: 3px; height: 100%;
  background: #fff; border: 1.5px solid #e0dccd; border-radius: 12px; padding: 12px 12px 11px;
  transition: border-color .15s ease, background .15s ease, box-shadow .15s ease;
}
.emi-freq-opt:hover .emi-freq-card { border-color: #b9c7a9; }
.emi-freq-name { font-size: .8rem; font-weight: 700; color: #5b6672; text-transform: uppercase; letter-spacing: .04em; }
.emi-freq-amt  { font-size: 1.02rem; font-weight: 800; color: var(--navy); font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.emi-freq-n    { font-size: .8rem; color: #5b6672; }
.emi-freq-opt input:checked + .emi-freq-card { border-color: var(--green); background: #eaf3e6; box-shadow: 0 0 0 1px var(--green); }
.emi-freq-opt input:checked + .emi-freq-card .emi-freq-name { color: var(--green); }
.emi-freq-opt input:focus-visible + .emi-freq-card { outline: 2px solid var(--navy); outline-offset: 2px; }

.emi-submit { margin-bottom: 18px; }
.is-live .emi-submit { display: none; }

/* result card */
.emi-result {
  background: linear-gradient(160deg, var(--navy), #1a3f70); color: #fff;
  border-radius: 18px; padding: 30px 30px 24px; box-shadow: 0 20px 50px rgba(19, 49, 94, .18);
}
.emi-brand { margin: 0 0 18px; font-size: .78rem; font-weight: 800; letter-spacing: .08em; color: var(--gold); text-transform: uppercase; }
.emi-result-label { margin: 0; font-size: .95rem; font-weight: 600; color: #c8d3e6; letter-spacing: .02em; }
.emi-result-value {
  margin: 6px 0 0; font-family: 'Lora', serif; font-weight: 700; color: var(--gold);
  font-size: clamp(2.1rem, 4vw, 2.7rem); line-height: 1.1; overflow-wrap: anywhere;
}
.emi-result-sub { margin: 8px 0 0; font-size: .9rem; color: #c8d3e6; }

.emi-breakdown { display: flex; align-items: center; gap: 22px; margin: 26px 0; }
.emi-donut { width: 112px; height: 112px; flex-shrink: 0; transform: rotate(-90deg); }
.emi-donut circle { fill: none; stroke-width: 16; }
.emi-donut-interest  { stroke: var(--gold); }
.emi-donut-principal { stroke: #8fb3e0; transition: stroke-dasharray .3s ease; }

.emi-figures { margin: 0; flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 11px; }
.emi-figures > div { display: flex; justify-content: space-between; gap: 12px; align-items: baseline; }
.emi-figures dt { font-size: .9rem; color: #c8d3e6; display: flex; align-items: center; gap: 8px; }
.emi-figures dd { margin: 0; font-weight: 700; font-size: 1rem; white-space: nowrap; font-variant-numeric: tabular-nums; }
.emi-figures .emi-total { border-top: 1px solid rgba(255, 255, 255, .18); padding-top: 11px; }
.emi-figures .emi-total dd { color: var(--gold); font-size: 1.1rem; }
.emi-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.emi-dot-principal { background: #8fb3e0; }
.emi-dot-interest  { background: var(--gold); }
.emi-gst { margin: 16px 0 0; text-align: center; font-size: .8rem; color: #9fb0c9; letter-spacing: .03em; }

@media (max-width: 480px) {
  .emi-panel { padding: 26px 18px 10px; }
  .emi-result { padding: 26px 20px 20px; }
  .emi-breakdown { flex-direction: column; align-items: stretch; }
  .emi-donut { align-self: center; }
  /* too narrow for three columns: one row per frequency, amount on the right */
  .emi-freq-grid { grid-template-columns: minmax(0, 1fr); gap: 8px; }
  .emi-freq-card { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; column-gap: 12px; row-gap: 2px; padding: 11px 14px; }
  .emi-freq-name { grid-column: 1; grid-row: 1; }
  .emi-freq-n    { grid-column: 1; grid-row: 2; }
  .emi-freq-amt  { grid-column: 2; grid-row: 1 / span 2; font-size: 1.05rem; white-space: nowrap; }
}

/* repayment schedule */
.emi-schedule { margin-top: 32px; border: 1px solid #eee7d7; border-radius: 16px; background: #fff; overflow: hidden; }
.emi-schedule-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; padding: 18px 24px; }
.emi-schedule-head h2 { margin: 0; font-family: 'Lora', serif; font-size: 1.3rem; font-weight: 700; color: var(--navy); }
.emi-table-wrap { max-height: 520px; overflow: auto; border-top: 1px solid #eee7d7; }
.emi-table { width: 100%; border-collapse: collapse; font-size: .9rem; font-variant-numeric: tabular-nums; }
.emi-table th, .emi-table td { padding: 10px 14px; text-align: right; white-space: nowrap; }
.emi-table th:first-child, .emi-table td:first-child,
.emi-table td:nth-child(2), .emi-table thead th:nth-child(2) { text-align: left; }
.emi-table thead th {
  position: sticky; top: 0; z-index: 1; background: #f3f6ef; color: var(--navy); font-weight: 700;
  font-size: .78rem; text-transform: uppercase; letter-spacing: .04em;
}
.emi-table tbody tr:nth-child(even) { background: #faf8f2; }
.emi-table td { color: #33404f; }
.emi-table tfoot th, .emi-table tfoot td {
  position: sticky; bottom: 0; background: var(--navy); color: #fff; font-weight: 700;
}
.emi-table tfoot th { text-align: left; }

.emi-print-head { display: none; }
.emi-note { margin: 22px 0 0; font-size: .86rem; line-height: 1.6; color: #5b6672; }

@media print {
  @page { margin: 14mm 12mm; }
  body { background: #fff !important; }
  .skip-link, .site-header, .site-footer, .page-banner, .cta-band, .wa-float,
  .emi-grid, #emiPrint { display: none !important; }
  .fade-in { animation: none !important; }
  .wrap-md.pt-60 { padding: 0 !important; max-width: none; }
  .emi-schedule { margin: 0; border: 0; border-radius: 0; overflow: visible; }
  .emi-print-head { display: block; margin-bottom: 12px; color: #000; }
  .emi-print-title { margin: 0; font-size: 16pt; font-weight: 800; letter-spacing: .04em; }
  .emi-print-site { margin: 4px 0 12px; font-size: 9.5pt; color: #333; }
  .emi-print-summary { margin: 0; display: grid; grid-template-columns: repeat(4, auto); gap: 6px 18px; font-size: 9.5pt; }
  .emi-print-summary dt { color: #555; }
  .emi-print-summary dd { margin: 0; font-weight: 700; }
  .emi-schedule-head { padding: 12px 0 8px; }
  .emi-schedule-head h2 { font-size: 13pt; color: #000; }
  .emi-table-wrap { max-height: none; overflow: visible; border: 0; }
  .emi-table { font-size: 9pt; }
  .emi-table th, .emi-table td { padding: 4px 6px; border-bottom: 1px solid #ddd; color: #000; }
  .emi-table thead th, .emi-table tfoot th, .emi-table tfoot td { position: static; background: #eee; color: #000; }
  .emi-table thead { display: table-header-group; }
  .emi-table tr { break-inside: avoid; }
  .emi-note { font-size: 8.5pt; color: #333; }
}

/* ---------------------------------------------------------------- float CTA */

.wa-float {
  position: fixed; right: 18px; bottom: 18px; z-index: 60;
  width: 54px; height: 54px; border-radius: 50%; background: #25d366; color: #fff;
  display: flex; align-items: center; justify-content: center; text-decoration: none;
  box-shadow: 0 8px 22px rgba(37, 211, 102, .4);
}
.wa-float:hover { filter: brightness(1.05); }

/* ---------------------------------------------------------------- spacing */

.pt-70 { padding-top: 70px; }
.pb-30 { padding-bottom: 30px; }
.pt-60 { padding-top: 60px; }
.pb-60 { padding-bottom: 60px; }
.pt-68 { padding-top: 68px; }
.pb-68 { padding-bottom: 68px; }
.mt-56 { margin-top: 56px; }
.mt-40 { margin-top: 40px; }
.text-center { text-align: center; }