/* ===== Design tokens ===== */
:root {
  --ink: #12213A;
  --ink-soft: #1B3055;
  --paper: #F7F5F0;
  --paper-dim: #EDEAE1;
  --brass: #C68A3D;
  --brass-soft: #E1B071;
  --slate: #5B6472;
  --green: #3E7A5B;
  --line: rgba(18,33,58,0.12);
  --font-display: 'Plus Jakarta Sans', system-ui, sans-serif;
  --font-mono: 'IBM Plex Mono', 'Courier New', monospace;
  --radius: 4px;
  --shadow: 0 1px 2px rgba(18,33,58,0.06), 0 8px 24px rgba(18,33,58,0.06);
}

[data-theme="dark"] {
  --ink: #EDEAE1;
  --ink-soft: #F7F5F0;
  --paper: #10192B;
  --paper-dim: #18233B;
  --brass: #E1B071;
  --brass-soft: #C68A3D;
  --slate: #9AA4B2;
  --line: rgba(237,234,225,0.12);
  --shadow: 0 1px 2px rgba(0,0,0,0.3), 0 8px 24px rgba(0,0,0,0.25);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body {
  touch-action: pan-y pinch-zoom;
  overscroll-behavior-x: none;
  width: 100%;
}

body {
  margin: 0;
  font-family: var(--font-display);
  background: var(--paper);
  color: var(--ink);
  transition: background .25s ease, color .25s ease;
  -webkit-font-smoothing: antialiased;
}

.wrap {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
}

a { color: inherit; }

/* subtle paper-grain texture, signature detail */
.tape-noise {
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  opacity: 0.035;
  background-image: repeating-linear-gradient(0deg, #000 0px, transparent 1px, transparent 3px);
  mix-blend-mode: multiply;
}

/* ===== Header ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: color-mix(in srgb, var(--paper) 92%, transparent);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .25s ease, border-color .25s ease;
}
.site-header.is-scrolled {
  box-shadow: 0 4px 20px rgba(18,33,58,0.07);
  border-bottom-color: transparent;
}
[data-theme="dark"] .site-header.is-scrolled { box-shadow: 0 4px 20px rgba(0,0,0,0.35); }

.header-inner {
  display: flex;
  align-items: center;
  gap: 20px;
  padding-top: 14px;
  padding-bottom: 14px;
}
.brand {
  display: flex;
  align-items: baseline;
  text-decoration: none;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.02em;
  flex: none;
  transition: opacity .15s ease;
}
.brand:hover { opacity: 0.8; }
.brand-mark {
  background: var(--ink);
  color: var(--paper);
  padding: 2px 7px;
  border-radius: 3px;
  margin-right: 2px;
  transition: transform .2s ease;
}
.brand:hover .brand-mark { transform: rotate(-4deg); }
[data-theme="dark"] .brand-mark { background: var(--brass); color: var(--ink); }

.tabs-scroll {
  position: relative;
  flex: 1;
  min-width: 0;
}
.tabs-scroll::before,
.tabs-scroll::after {
  content: "";
  position: absolute;
  top: 0; bottom: 0;
  width: 28px;
  z-index: 2;
  pointer-events: none;
  opacity: 0;
  transition: opacity .2s ease;
}
.tabs-scroll::before {
  left: 0;
  background: linear-gradient(to right, var(--paper), transparent);
}
.tabs-scroll::after {
  right: 0;
  background: linear-gradient(to left, var(--paper), transparent);
}
.tabs-scroll.fade-left::before { opacity: 1; }
.tabs-scroll.fade-right::after { opacity: 1; }

.tabs {
  display: flex;
  gap: 4px;
  overflow-x: auto;
  scrollbar-width: none;
  -ms-overflow-style: none;
  touch-action: pan-x;
  -webkit-overflow-scrolling: touch;
}
.tabs::-webkit-scrollbar { display: none; }
.tab {
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 600;
  white-space: nowrap;
  background: transparent;
  border: 1px solid transparent;
  color: var(--slate);
  padding: 8px 14px;
  border-radius: 999px;
  cursor: pointer;
  transition: background .2s ease, color .2s ease, border-color .2s ease;
}
.tab:hover { color: var(--ink); border-color: var(--line); }
.tab.active { background: var(--ink); color: var(--paper); }
[data-theme="dark"] .tab.active { background: var(--brass); color: var(--ink); }

.tabs.secondary-nav {
  flex: none;
  border-left: 1px solid var(--line);
  padding-left: 12px;
  margin-left: 4px;
}
.tabs.secondary-nav .tab { font-weight: 500; color: var(--slate); }

.theme-toggle {
  flex: none;
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: transparent;
  color: var(--ink);
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: border-color .2s ease, color .2s ease, transform .2s ease;
}
.theme-toggle:hover { border-color: var(--brass); color: var(--brass); transform: rotate(20deg); }

/* ===== Hero ===== */
.hero { padding: 64px 0 40px; position: relative; z-index: 1; }
.eyebrow {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--brass);
  margin: 0 0 14px;
}
.hero h1 {
  font-size: clamp(32px, 5vw, 56px);
  line-height: 1.05;
  letter-spacing: -0.03em;
  margin: 0 0 16px;
  max-width: 14ch;
}
.hero-sub {
  font-size: 17px;
  color: var(--slate);
  max-width: 52ch;
  line-height: 1.6;
  margin: 0;
}

/* ===== Panels ===== */
.panels { position: relative; z-index: 1; padding-bottom: 40px; }
.panel { display: none; padding: 8px 0 48px; border-top: 1px solid var(--line); margin-top: 8px; }
.panel.active { display: block; animation: rise .35s ease; }
@keyframes rise { from { opacity: 0; transform: translateY(8px);} to {opacity:1; transform:none;} }

.panel-head {
  display: flex;
  gap: 20px;
  padding-top: 32px;
  margin-bottom: 28px;
}
.panel-index {
  font-family: var(--font-mono);
  font-size: 13px;
  color: var(--brass);
  padding-top: 6px;
  flex: none;
  width: 28px;
}
.panel-head h2 {
  margin: 0 0 8px;
  font-size: 26px;
  letter-spacing: -0.02em;
}
.panel-desc {
  margin: 0;
  color: var(--slate);
  font-size: 15px;
  line-height: 1.6;
  max-width: 62ch;
}

.panel-body {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 32px;
  align-items: start;
  min-width: 0;
}
.panel-body > * { min-width: 0; }
@media (max-width: 780px) {
  .panel-body { grid-template-columns: 1fr; }
}

.controls {
  display: flex;
  flex-direction: column;
  gap: 18px;
  background: var(--paper-dim);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}

label {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
}

input[type="number"], input[type="date"], select {
  font-family: var(--font-mono);
  font-size: 16px;
  font-weight: 500;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 10px 12px;
  outline: none;
  transition: border-color .15s ease;
}
input:focus-visible, select:focus-visible, button:focus-visible {
  border-color: var(--brass);
  outline: 2px solid var(--brass-soft);
  outline-offset: 1px;
}
input[type="range"] {
  width: 100%;
  accent-color: var(--brass);
  margin-bottom: 4px;
}

.input-row { display: flex; gap: 8px; min-width: 0; }
.input-row > * { min-width: 0; }
.input-row.two { align-items: end; display: grid; grid-template-columns: 1fr auto 1fr; gap: 8px; min-width: 0; }
.mini-select { width: 88px; flex: none; }
label { min-width: 0; }
input[type="number"], input[type="date"], input[type="text"], input[type="email"], select, textarea { min-width: 0; width: 100%; }

.swap-btn {
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--brass);
  font-size: 16px;
  cursor: pointer;
  margin-bottom: 1px;
}
.swap-btn:hover { border-color: var(--brass); }

.unit-toggle {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}
.unit-btn {
  font-family: var(--font-display);
  font-size: 12.5px;
  font-weight: 600;
  padding: 8px 12px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--slate);
  cursor: pointer;
}
.unit-btn.active { background: var(--ink); color: var(--paper); border-color: var(--ink); }
[data-theme="dark"] .unit-btn.active { background: var(--brass); color: var(--ink); }

/* ===== Calculate button ===== */
.calc-btn {
  align-self: flex-start;
  margin-top: 4px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.01em;
  background: var(--brass);
  color: var(--ink);
  border: none;
  border-radius: 999px;
  padding: 12px 22px;
  cursor: pointer;
  transition: transform .12s ease, box-shadow .12s ease, background .15s ease;
  box-shadow: 0 2px 0 rgba(18,33,58,0.25);
}
.calc-btn-arrow { transition: transform .15s ease; }
.calc-btn:hover { background: var(--brass-soft); }
.calc-btn:hover .calc-btn-arrow { transform: translateX(3px); }
.calc-btn:active {
  transform: translateY(2px);
  box-shadow: 0 0 0 rgba(18,33,58,0.25);
}
[data-theme="dark"] .calc-btn { color: var(--paper); background: var(--brass); }
[data-theme="dark"] .calc-btn { box-shadow: 0 2px 0 rgba(0,0,0,0.4); }

/* Tape "print" feedback pulse when Calculate is pressed */
.tape.printed {
  animation: tape-print .45s ease;
}
@keyframes tape-print {
  0% { box-shadow: var(--shadow), 0 0 0 0 rgba(198,138,61,0.55); }
  40% { box-shadow: var(--shadow), 0 0 0 6px rgba(198,138,61,0.18); }
  100% { box-shadow: var(--shadow), 0 0 0 0 rgba(198,138,61,0); }
}

/* ===== Tape (result display, signature element) ===== */
.tape {
  background: var(--ink);
  color: var(--paper);
  border-radius: var(--radius);
  padding: 26px 22px;
  position: relative;
  box-shadow: var(--shadow);
  font-family: var(--font-mono);
}
[data-theme="dark"] .tape { background: var(--paper-dim); color: var(--ink); border: 1px solid var(--line); }
.tape::before {
  content: "";
  position: absolute;
  top: -8px; left: 16px; right: 16px;
  height: 8px;
  background: repeating-linear-gradient(-45deg, var(--paper) 0 6px, transparent 6px 12px);
  opacity: 0.9;
}
[data-theme="dark"] .tape::before { background: repeating-linear-gradient(-45deg, var(--paper) 0 6px, transparent 6px 12px); }

.tape-line {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 10px 0;
  border-bottom: 1px dashed rgba(247,245,240,0.18);
  gap: 12px;
}
[data-theme="dark"] .tape-line { border-bottom: 1px dashed var(--line); }
.tape-line:last-of-type { border-bottom: none; }
.tape-line span { font-size: 12px; color: var(--brass-soft); letter-spacing: 0.03em; }
.tape-line strong { font-size: 22px; font-weight: 600; letter-spacing: -0.01em; }
.tape-line.small strong { font-size: 16px; font-weight: 500; opacity: 0.85; }

.rate-note { font-size: 11px; color: var(--brass-soft); margin: 12px 0 0; opacity: 0.8; }

/* ===== Tape action buttons (Copy / Print) ===== */
.tape-actions {
  display: flex;
  gap: 8px;
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px dashed rgba(247,245,240,0.18);
}
[data-theme="dark"] .tape-actions { border-top-color: var(--line); }
.tape-action-btn {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  color: var(--brass-soft);
  background: transparent;
  border: 1px solid rgba(247,245,240,0.25);
  border-radius: 999px;
  padding: 6px 14px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: background .15s ease, color .15s ease, border-color .15s ease;
}
[data-theme="dark"] .tape-action-btn { border-color: var(--line); }
.tape-action-btn:hover {
  background: var(--brass);
  color: var(--ink);
  border-color: var(--brass);
}
.tape-action-btn.copied {
  background: var(--green);
  color: var(--paper);
  border-color: var(--green);
}

/* ===== Print area (populated by JS, only shown when printing a result) ===== */
#printArea { display: none; }

@media print {
  body.printing-result > *:not(#printArea) { display: none !important; }
  body.printing-result #printArea {
    display: block !important;
    font-family: 'Courier New', monospace;
    color: #12213A;
    padding: 20px;
  }
  #printArea .print-brand {
    font-weight: 800;
    color: #C68A3D;
    font-size: 14px;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    margin-bottom: 6px;
  }
  #printArea h1 { font-size: 19px; margin: 0 0 20px; }
  #printArea .print-row {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px dashed #ccc;
    font-size: 15px;
  }
  #printArea .print-row.small { font-size: 13px; color: #555; }
  #printArea .print-row strong { font-weight: 700; }
  #printArea .print-date { color: #888; font-size: 11px; margin-top: 24px; }
}

/* ===== FAQ ===== */
.faq { padding: 40px 0 80px; border-top: 1px solid var(--line); position: relative; z-index: 1; }
.faq h2 { font-size: 22px; margin-bottom: 20px; }
.faq details {
  border-bottom: 1px solid var(--line);
  padding: 16px 0;
}
.faq summary {
  cursor: pointer;
  font-weight: 600;
  font-size: 15px;
  list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::before { content: "+ "; color: var(--brass); }
.faq details[open] summary::before { content: "− "; }
.faq p { color: var(--slate); font-size: 14px; line-height: 1.6; margin: 10px 0 0; }
.faq-more {
  margin-top: 24px !important;
  font-size: 14px !important;
}
.faq-more a { color: var(--brass); font-weight: 700; text-decoration: none; }
.faq-more a:hover { text-decoration: underline; }

/* ===== Footer ===== */
/* The footer is intentionally always a dark band with light text —
   in BOTH light and dark site themes — so colors here are fixed,
   not tied to the swappable --ink/--paper theme tokens. */
.site-footer {
  background: #12213A;
  color: rgba(247,245,240,0.75);
  padding: 48px 0 0;
  position: relative;
  z-index: 1;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr repeat(3, 1fr);
  gap: 28px;
  padding-bottom: 32px;
}
.footer-grid h4 {
  color: #F7F5F0;
  font-family: var(--font-mono);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 14px;
  font-weight: 700;
}
.footer-grid a {
  display: block;
  color: rgba(247,245,240,0.65);
  text-decoration: none;
  margin-bottom: 9px;
  font-size: 13px;
}
.footer-grid a:hover { color: #E1B071; }

.footer-about p {
  font-size: 13px;
  color: rgba(247,245,240,0.6);
  line-height: 1.6;
  margin: 0 0 16px;
}

.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid rgba(247,245,240,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(247,245,240,0.7);
  margin: 0;
}
.footer-social a:hover { border-color: #C68A3D; color: #E1B071; }

.footer-bottom-row {
  border-top: 1px solid rgba(247,245,240,0.12);
  padding: 22px 0;
}
.footer-bottom-row .copy {
  font-size: 12px;
  color: rgba(247,245,240,0.5);
  line-height: 1.7;
  margin: 0;
}
.footer-bottom-row .copy .footer-company-line { display: block; opacity: 0.8; margin-top: 4px; }

@media (max-width: 1000px) {
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .panel.active { animation: none; }
}

/* ===== Copy deterrent: block text selection on content, keep it for form fields ===== */
body { -webkit-user-select: none; user-select: none; }
input, select, textarea { -webkit-user-select: text; user-select: text; }

/* ===== Scroll to top button ===== */
#scrollTopBtn {
  position: fixed;
  right: 20px;
  bottom: 20px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: var(--ink);
  color: var(--paper);
  font-size: 18px;
  cursor: pointer;
  box-shadow: var(--shadow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all .25s ease;
  z-index: 60;
}
[data-theme="dark"] #scrollTopBtn { background: var(--brass); color: var(--ink); }
#scrollTopBtn.show { opacity: 1; visibility: visible; transform: none; }
#scrollTopBtn:hover { border-color: var(--brass); }

/* ===== Legal pages ===== */
.legal-page {
  padding: 48px 0 80px;
  max-width: 760px;
}
.legal-page h1 {
  font-size: clamp(28px, 4vw, 40px);
  letter-spacing: -0.02em;
  margin: 0 0 8px;
}
.legal-updated {
  color: var(--slate);
  font-family: var(--font-mono);
  font-size: 13px;
  margin: 0 0 36px;
}
.legal-page h2 {
  font-size: 19px;
  margin: 36px 0 12px;
  letter-spacing: -0.01em;
}
.legal-page p, .legal-page li {
  color: var(--slate);
  font-size: 15px;
  line-height: 1.7;
}
.legal-page ul { padding-left: 20px; }
.legal-page strong { color: var(--ink); }

.sitemap-list {
  list-style: none;
  padding: 0;
  margin: 16px 0 32px;
}
.sitemap-list li {
  padding: 12px 0;
  border-bottom: 1px solid var(--line);
  font-size: 15px;
  color: var(--slate);
}
.sitemap-list li:last-child { border-bottom: none; }
.sitemap-list a {
  color: var(--ink);
  font-weight: 700;
  text-decoration: none;
}
.sitemap-list a:hover { color: var(--brass); }
.legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
  margin-top: 48px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
  font-size: 13px;
  font-weight: 600;
}
.legal-links a { text-decoration: none; color: var(--brass); }
.legal-links a:hover { text-decoration: underline; }

/* ===== Contact form ===== */
.contact-form {
  display: flex;
  flex-direction: column;
  gap: 18px;
  background: var(--paper-dim);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  margin: 28px 0 40px;
  max-width: 560px;
}
.contact-form label {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
}
.contact-form input,
.contact-form select,
.contact-form textarea {
  font-family: var(--font-display);
  font-size: 15px;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 10px 12px;
  outline: none;
  resize: vertical;
}
.contact-form input:focus-visible,
.contact-form select:focus-visible,
.contact-form textarea:focus-visible {
  border-color: var(--brass);
  outline: 2px solid var(--brass-soft);
  outline-offset: 1px;
}
.submit-btn {
  align-self: flex-start;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 14px;
  background: var(--ink);
  color: var(--paper);
  border: none;
  border-radius: 999px;
  padding: 12px 26px;
  cursor: pointer;
  transition: opacity .15s ease;
}
[data-theme="dark"] .submit-btn { background: var(--brass); color: var(--ink); }
.submit-btn:hover { opacity: 0.88; }

/* ===== Email copy button (contact page) ===== */
.email-copy-btn {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 700;
  color: var(--brass);
  background: transparent;
  border: 1px solid var(--brass);
  border-radius: 999px;
  padding: 3px 12px;
  margin: 0 4px;
  cursor: pointer;
  vertical-align: middle;
  transition: background .15s ease, color .15s ease;
}
.email-copy-btn:hover { background: var(--brass); color: var(--paper); }
.email-copy-btn.copied { background: var(--green); border-color: var(--green); color: var(--paper); }

/* ===== FAQ page list (dedicated /faq page) ===== */
.faq-list { margin-top: 24px; }
.faq-list details {
  border-bottom: 1px solid var(--line);
  padding: 18px 0;
}
.faq-list summary {
  cursor: pointer;
  font-weight: 700;
  font-size: 16px;
  list-style: none;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::before { content: "+ "; color: var(--brass); }
.faq-list details[open] summary::before { content: "− "; }
.faq-list p { margin: 12px 0 0; }
.faq-list code {
  font-family: var(--font-mono);
  background: var(--paper-dim);
  padding: 2px 6px;
  border-radius: 3px;
  font-size: 13px;
}

/* ===== Advanced calculator components ===== */
.result-col { display: flex; flex-direction: column; gap: 16px; min-width: 0; }

.breakdown-card {
  background: var(--paper-dim);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
}
.breakdown-title {
  margin: 0 0 12px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--slate);
}
.breakdown-note { margin: 12px 0 0; font-size: 13px; color: var(--slate); line-height: 1.55; }

/* Info / formula box */
.info-box {
  background: transparent;
  border: 1px dashed var(--line);
  border-radius: var(--radius);
  padding: 14px 16px;
  font-family: var(--font-mono);
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--slate);
}
.info-box sup { color: var(--brass); }

/* Loan preset / mode chips reuse .unit-toggle/.unit-btn; extra spacing when it's the first control */
#emiPreset, #gstModeToggle, #pctModeToggle { margin-bottom: 2px; }

/* Quick pair chips (currency) */
.chip-row { display: flex; flex-wrap: wrap; gap: 6px; }
.chip {
  font-family: var(--font-mono);
  font-size: 11.5px;
  font-weight: 600;
  padding: 6px 10px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--slate);
  cursor: pointer;
  transition: border-color .15s ease, color .15s ease;
}
.chip:hover { border-color: var(--brass); color: var(--brass); }

/* Popular-conversion mini grid */
.mini-rate-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px 16px;
  font-family: var(--font-mono);
  font-size: 13px;
}
.mini-rate-grid .mini-rate-item {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  border-bottom: 1px dashed var(--line);
  gap: 8px;
}
.mini-rate-grid .mini-rate-item span { color: var(--slate); }
.mini-rate-grid .mini-rate-item strong { color: var(--ink); font-weight: 600; }

/* Ghost / expand buttons */
.ghost-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: transparent;
  border: none;
  border-top: 1px solid var(--line);
  padding: 14px 0 0;
  margin-top: 4px;
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 700;
  color: var(--ink);
  cursor: pointer;
}
.breakdown-card > .ghost-btn:first-child { border-top: none; padding-top: 0; margin-top: 0; }
.ghost-btn:hover { color: var(--brass); }
.ghost-caret { transition: transform .2s ease; }
.ghost-btn[aria-expanded="true"] .ghost-caret { transform: rotate(180deg); }

/* Schedule / invoice tables */
.schedule-wrap { margin-top: 14px; max-height: 320px; overflow-y: auto; border: 1px solid var(--line); border-radius: var(--radius); }
.schedule-table { width: 100%; border-collapse: collapse; font-family: var(--font-mono); font-size: 12.5px; }
.schedule-table thead th {
  position: sticky; top: 0;
  background: var(--paper-dim);
  text-align: right;
  padding: 8px 10px;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--slate);
  border-bottom: 1px solid var(--line);
}
.schedule-table thead th:first-child, .schedule-table td:first-child { text-align: left; }
.schedule-table td { padding: 7px 10px; text-align: right; border-bottom: 1px solid var(--line); color: var(--ink); }
.schedule-table tbody tr:last-child td { border-bottom: none; }
.schedule-table:not(.schedule-wrap .schedule-table) { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }

/* Donut chart (EMI principal vs interest) */
.donut-wrap { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.donut circle { transition: stroke-dasharray .4s ease; }
.donut-legend { font-family: var(--font-mono); font-size: 13px; display: flex; flex-direction: column; gap: 8px; }
.donut-legend p { margin: 0; display: flex; align-items: center; gap: 8px; color: var(--slate); }
.donut-legend strong { margin-left: auto; color: var(--ink); font-weight: 600; }
.dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; flex: none; }
.dot-brass { background: var(--brass); }
.dot-ink { background: var(--line); border: 1px solid var(--slate); }

/* BMI gauge */
.gauge-track {
  position: relative;
  display: flex;
  height: 10px;
  border-radius: 999px;
  overflow: visible;
}
.gauge-seg { flex: 1; height: 10px; }
.gauge-seg:first-child { border-radius: 999px 0 0 999px; }
.gauge-seg:last-child { border-radius: 0 999px 999px 0; }
.seg-under { background: #8FA9C9; }
.seg-normal { background: var(--green); }
.seg-over { background: var(--brass-soft); }
.seg-obese { background: #B5573F; }
.gauge-marker {
  position: absolute;
  top: -5px;
  left: 12.5%;
  width: 3px;
  height: 20px;
  background: var(--ink);
  border-radius: 2px;
  transform: translateX(-50%);
  transition: left .3s ease;
}
[data-theme="dark"] .gauge-marker { background: var(--paper); }
.gauge-labels {
  display: flex;
  justify-content: space-between;
  font-family: var(--font-mono);
  font-size: 10.5px;
  color: var(--slate);
  margin-top: 6px;
}

/* Age stat grid */
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.stat { display: flex; flex-direction: column; gap: 4px; }
.stat strong { font-family: var(--font-mono); font-size: 17px; color: var(--ink); }
.stat span { font-size: 11px; color: var(--slate); text-transform: uppercase; letter-spacing: 0.04em; }

/* Checkbox row (GST split) */
.checkbox-row { flex-direction: row !important; align-items: center; gap: 8px !important; font-weight: 600; }
.checkbox-row input { accent-color: var(--brass); width: 16px; height: 16px; }

@media (max-width: 480px) {
  .stat-grid { grid-template-columns: repeat(2, 1fr); }
  .donut-wrap { gap: 14px; }
  .mini-rate-grid { grid-template-columns: 1fr; }
}

/* ===== Related calculators (homepage) ===== */
#related { padding: 48px 0 64px; border-top: 1px solid var(--line); position: relative; z-index: 1; }
#related h2 { font-size: 22px; margin: 0 0 20px; }
.related-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.related-card {
  display: block;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
  text-decoration: none;
  color: var(--ink);
  transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.related-card:hover { border-color: var(--brass); transform: translateY(-2px); box-shadow: var(--shadow); }
.related-card .eyebrow { margin: 0 0 10px; font-size: 11px; }
.related-card h3 { margin: 0 0 8px; font-size: 15.5px; letter-spacing: -0.01em; }
.related-card p { margin: 0; font-size: 13px; color: var(--slate); line-height: 1.55; }
@media (max-width: 900px) { .related-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .related-grid { grid-template-columns: 1fr; } }

/* ===== Compact sizing on small phones (reduces visual bulk that can feel like the page is too wide) =====
   Placed at the end of the file so it correctly overrides the base rules above at matching widths. */
@media (max-width: 480px) {
  .hero { padding: 44px 0 28px; }
  .hero h1 { font-size: clamp(26px, 8vw, 40px); }
  .hero-sub { font-size: 15px; }

  .panel-head { gap: 12px; padding-top: 24px; margin-bottom: 20px; }
  .panel-head h2 { font-size: 21px; }
  .panel-desc { font-size: 13.5px; }

  .controls { padding: 16px; gap: 14px; }
  input[type="number"], input[type="date"], select { font-size: 15px; padding: 9px 10px; }

  .tape { padding: 18px 16px; }
  .tape-line { padding: 8px 0; }
  .tape-line strong { font-size: 18px; }
  .tape-line.small strong { font-size: 14px; }
  .tape-line span { font-size: 11px; }

  .calc-btn { padding: 10px 18px; font-size: 13px; }
  .tape-action-btn { font-size: 11px; padding: 5px 11px; }
}