/* Personal Loan Eligibility — PL site styles (glass morphism) */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --primary: #0a3d62;
  --primary-light: #1a6b8a;
  --secondary: #f6b93b;
  --accent: #e74c6f;
  --success: #2ecc71;
  --danger: #e74c3c;
  --warning: #f39c12;
  --bg-start: #eef2f7;
  --bg-end: #f8fcff;
  --card-bg: rgba(255, 255, 255, 0.85);
  --card-border: rgba(255, 255, 255, 0.5);
  --text: #1a2a3a;
  --text-light: #5a6a7a;
  --shadow: 0 20px 60px rgba(10, 61, 98, 0.15);
  --radius: 28px;
  --transition: 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
  --header-h: 56px;
  --max-width: 1280px;
  --site-ad-col: 300px;
  --site-gap: 20px;
  --sidebar-w: var(--site-ad-col);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  background: linear-gradient(145deg, var(--bg-start) 0%, var(--bg-end) 100%);
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
}

a { color: var(--primary); text-decoration: none; font-weight: 600; }
a:hover { color: var(--primary-light); }

/* ── Site header ── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(10, 61, 98, 0.08);
  box-shadow: 0 2px 16px rgba(10, 61, 98, 0.06);
}

.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-h);
  gap: 12px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 900;
  color: var(--primary);
  text-decoration: none;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.logo-title {
  font-size: 1.05rem;
  font-weight: 900;
  color: var(--primary);
  letter-spacing: -0.02em;
}

.logo-tagline {
  font-size: 0.62rem;
  font-weight: 600;
  color: var(--text-light);
  letter-spacing: 0.4px;
  text-transform: uppercase;
}

.logo-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}

.main-nav ul {
  display: flex;
  list-style: none;
  gap: 4px;
}

.main-nav a {
  display: block;
  padding: 8px 14px;
  border-radius: 20px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text);
}

.main-nav a:hover,
.main-nav a.active {
  background: rgba(10, 61, 98, 0.08);
  color: var(--primary);
}

.nav-toggle {
  display: none;
  background: none;
  border: 2px solid #e2e8f0;
  border-radius: 10px;
  padding: 6px 10px;
  font-size: 1.2rem;
  cursor: pointer;
  color: var(--primary);
}

/* ── Disclaimer banner (removed from header — footer only) ── */
.disclaimer-banner { display: none; }

/* ── Layout ── */
.page-wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 16px;
  width: 100%;
  box-sizing: border-box;
  overflow-x: hidden;
}

/* ── 1280px dual-rail layout (like m.MaxDigitalHub.com job steps) ── */
.pl-layout-wrap {
  width: 100%;
  margin: 0 auto;
}

.pl-layout {
  display: block;
  width: 100%;
  max-width: var(--max-width);
  margin-inline: auto;
}

.pl-main-col {
  min-width: 0;
  width: 100%;
}

.pl-ad-rail {
  display: none;
}

@media (min-width: 1024px) {
  .pl-layout {
    display: grid;
    grid-template-columns: minmax(0, var(--site-ad-col)) minmax(0, 1fr) minmax(0, var(--site-ad-col));
    gap: var(--site-gap);
    align-items: start;
    justify-content: center;
  }

  .pl-ad-rail {
    display: block;
    width: var(--site-ad-col);
    max-width: var(--site-ad-col);
    position: sticky;
    top: calc(var(--header-h) + 12px);
    align-self: start;
  }

  .pl-ad-rail .ad-slot {
    width: 100%;
    max-width: var(--site-ad-col);
    min-height: 250px;
  }

  .pl-ad-rail .ad-slot > div,
  .pl-ad-rail .ad-slot iframe {
    width: 100% !important;
    max-width: 100% !important;
    margin-left: auto !important;
    margin-right: auto !important;
  }
}

.layout-main {
  display: grid;
  grid-template-columns: 1fr var(--sidebar-w);
  gap: 20px;
  align-items: start;
}

.main-col { min-width: 0; }

/* ── Header hero ── */
.header {
  text-align: center;
  padding: 24px 0 16px;
}

.header .badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--secondary), #f39c12);
  color: #1a2a3a;
  font-weight: 800;
  font-size: 0.7rem;
  letter-spacing: 1.5px;
  padding: 6px 20px;
  border-radius: 40px;
  text-transform: uppercase;
  margin-bottom: 10px;
  box-shadow: 0 4px 12px rgba(246, 185, 59, 0.4);
  animation: pulseBadge 2s infinite;
}

@keyframes pulseBadge {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}

.header h1 {
  font-size: 2.2rem;
  font-weight: 900;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1.2;
}

.header h1 span {
  background: linear-gradient(135deg, var(--secondary), #e67e22);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.header p,
.header .step-meta {
  color: var(--text-light);
  font-size: 0.95rem;
  margin-top: 8px;
  max-width: 100%;
  line-height: 1.5;
  word-wrap: break-word;
  overflow-wrap: anywhere;
  padding: 0 4px;
  box-sizing: border-box;
}

@media (max-width: 640px) {
  .header {
    padding: 18px 0 12px;
  }

  .header h1 {
    font-size: 1.55rem;
    line-height: 1.25;
  }

  /* Step 1 — one-line hero title on mobile */
  .header h1.h1-hero-oneline {
    font-size: clamp(0.68rem, calc((100vw - 2.75rem) / 21), 1.05rem);
    white-space: nowrap;
    letter-spacing: -0.03em;
    line-height: 1.15;
    max-width: 100%;
    margin-inline: auto;
  }

  /* Step 1 — two-line step hint on mobile */
  .step-complete-hint.hint-two-lines span {
    display: -webkit-box;
    -webkit-box-orient: vertical;
    -webkit-line-clamp: 2;
    overflow: hidden;
    font-size: clamp(0.56rem, calc((100vw - 3.5rem) / 28), 0.64rem);
    line-height: 1.36;
    letter-spacing: -0.02em;
  }

  .step-complete-hint.hint-two-lines {
    align-items: center;
    padding: 7px 8px;
  }

  .step-complete-hint.hint-two-lines i {
    align-self: center;
  }

  .header .badge {
    font-size: 0.62rem;
    padding: 5px 14px;
    letter-spacing: 1px;
  }

  .header .step-meta {
    font-size: 0.78rem;
    padding: 0 2px;
    line-height: 1.45;
  }

  .motivation-ticker {
    width: 100%;
    max-width: 100%;
    padding: 8px 10px;
    margin: 8px 0 6px;
    gap: 6px;
    border-radius: 12px;
  }

  .motivation-icon {
    width: 24px;
    height: 24px;
    font-size: 0.65rem;
    margin-top: 1px;
  }

  .motivation-text {
    font-size: 0.68rem;
    line-height: 1.4;
    font-weight: 600;
    letter-spacing: -0.01em;
  }

  .step-complete-hint {
    padding: 7px 9px;
    margin-bottom: 10px;
    font-size: 0.64rem;
    line-height: 1.4;
    border-radius: 10px;
    gap: 6px;
    font-weight: 600;
    letter-spacing: -0.01em;
  }

  .step-complete-hint i {
    font-size: 0.72rem;
    margin-top: 0;
  }
}

@media (max-width: 380px) {
  .header h1 { font-size: 1.32rem; }

  .header h1.h1-hero-oneline {
    font-size: clamp(0.62rem, calc((100vw - 2.5rem) / 21), 0.92rem);
    letter-spacing: -0.035em;
  }

  .step-complete-hint.hint-two-lines span {
    font-size: clamp(0.54rem, calc((100vw - 3rem) / 30), 0.6rem);
    line-height: 1.34;
  }

  .header .step-meta {
    font-size: 0.72rem;
  }

  .motivation-ticker {
    padding: 7px 8px;
    gap: 5px;
  }

  .motivation-text {
    font-size: 0.62rem;
    line-height: 1.38;
  }

  .step-complete-hint {
    font-size: 0.6rem;
    padding: 6px 8px;
    line-height: 1.38;
  }

  .step-complete-hint i {
    font-size: 0.66rem;
  }

  .motivation-icon {
    width: 22px;
    height: 22px;
    font-size: 0.6rem;
  }
}

/* Animated motivation ticker — before wizard steps */
.motivation-ticker {
  display: flex;
  align-items: flex-start;
  justify-content: flex-start;
  gap: 10px;
  width: 100%;
  max-width: 640px;
  margin: 14px auto 10px;
  padding: 12px 18px;
  background: linear-gradient(135deg, rgba(10, 61, 98, 0.08), rgba(246, 185, 59, 0.12));
  border: 1px solid rgba(10, 61, 98, 0.12);
  border-radius: 16px;
  box-shadow: 0 4px 16px rgba(10, 61, 98, 0.06);
  animation: tickerGlow 3s ease-in-out infinite;
  box-sizing: border-box;
}

@keyframes tickerGlow {
  0%, 100% { box-shadow: 0 4px 16px rgba(10, 61, 98, 0.06); }
  50% { box-shadow: 0 6px 22px rgba(246, 185, 59, 0.18); }
}

.motivation-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  animation: iconPulse 2s ease-in-out infinite;
}

@keyframes iconPulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.08); }
}

.motivation-text {
  flex: 1;
  min-width: 0;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.45;
  text-align: left;
  word-wrap: break-word;
  overflow-wrap: anywhere;
  hyphens: auto;
  transition: opacity 0.35s ease, transform 0.35s ease;
}

.motivation-text.is-changing {
  opacity: 0;
  transform: translateY(6px);
}

.step-complete-hint {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  width: 100%;
  padding: 10px 14px;
  margin-bottom: 14px;
  background: rgba(46, 204, 113, 0.08);
  border: 1px dashed rgba(46, 204, 113, 0.35);
  border-radius: 14px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-light);
  line-height: 1.45;
  box-sizing: border-box;
}

.step-complete-hint span {
  flex: 1;
  min-width: 0;
  word-wrap: break-word;
  overflow-wrap: anywhere;
  hyphens: auto;
}

.step-complete-hint i {
  color: var(--success);
  margin-top: 2px;
  flex-shrink: 0;
}

/* ── Ads — simple auto-load boxes ── */
.ad-slot {
  width: 100%;
  margin: 12px auto;
  text-align: center;
  overflow: hidden;
  min-height: 50px;
  transition: min-height 0.25s ease, margin 0.25s ease, opacity 0.35s ease;
}

.ad-slot.ad-filled {
  animation: adFadeIn 0.35s ease;
}

@keyframes adFadeIn {
  from { opacity: 0.4; }
  to { opacity: 1; }
}

.ad-slot > div {
  margin: 0 auto;
}

.ad-slot.ad-empty {
  min-height: 0;
  margin: 0;
  padding: 0;
  display: none;
}

/* Bottom ad — directly above footer */
.ad-above-footer,
.ad-footer-wrap .ad-slot {
  margin: 20px auto 14px;
  width: 100%;
  max-width: 100%;
}

.ad-footer-wrap {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 16px;
  box-sizing: border-box;
}

.site-footer {
  margin-top: 4px;
}

.ad-slot.ad-slot-active,
.ad-slot[data-ad-done="1"] {
  overflow: visible;
}

.ad-slot-label { display: none; }

/* Box ads — above & below wizard / calculator (desktop + mobile) */
.ad-slot-box {
  width: 100%;
  max-width: 100%;
  margin: 0 auto 14px;
  min-height: 90px;
}

.ad-slot-box.ad-slot-below {
  margin: 14px auto 0;
}

.ad-slot-above + .wizard-box,
.ad-slot-above + .card.wizard-box {
  margin-top: 0;
}

.wizard-box {
  margin-top: 0;
}

@media (min-width: 1024px) {
  .ad-slot-box {
    min-height: 90px;
    margin-bottom: 16px;
  }

  .ad-slot-box.ad-slot-below {
    margin-top: 16px;
  }
}

/* Mobile ad visibility & sizing */
@media (max-width: 1023px) {
  .pl-ad-rail {
    display: none !important;
  }

  .ad-slot-banner,
  .ad-slot-step,
  .ad-slot[data-ad-slot="ad-top"],
  .ad-slot[data-ad-slot="ad-step"],
  .ad-slot[data-ad-slot="ad-mid"],
  .ad-slot[data-ad-slot="ad-bottom"],
  .ad-above-footer,
  .ad-footer-wrap .ad-slot {
    display: block !important;
    width: 100%;
    max-width: 100%;
    min-height: 90px;
    overflow: visible;
  }

  .ad-slot.ad-slot-active,
  .ad-slot[data-ad-done="1"] {
    min-height: 90px !important;
  }

  body[data-dense-mobile-ads="1"] .ad-slot[data-ad-filled="1"],
  body[data-dense-mobile-ads="1"] .ad-slot.ad-filled {
    min-height: 250px;
  }

  .ad-slot iframe,
  .ad-slot > div > iframe {
    max-width: 100% !important;
  }
}

/* Legacy sidebar — unused */
.page-sidebar { display: none !important; }

.layout-main.no-sidebar {
  grid-template-columns: 1fr;
}

.bank-sidebar {
  display: none;
}

#bankMatchesBlock {
  display: block;
}

.bank-matches-list {
  display: grid;
  gap: 12px;
}

@media (min-width: 641px) and (max-width: 960px) {
  .bank-matches-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .bank-card-footer {
    flex-direction: column;
    align-items: stretch;
    gap: 8px;
  }
  .bank-card-footer .btn-apply {
    width: 100%;
    text-align: center;
  }
}

/* Tight button row — no empty gap before Continue button */
.btn-row-tight {
  margin-top: 14px;
}

.footer-disclaimer {
  background: linear-gradient(90deg, rgba(231, 76, 60, 0.06), rgba(246, 185, 59, 0.06));
  border: 1px solid rgba(231, 76, 60, 0.12);
  border-radius: 14px;
  padding: 14px 18px;
  margin: 16px auto 12px;
  max-width: 720px;
  font-size: 0.78rem;
  color: var(--text-light);
  line-height: 1.55;
}

.footer-disclaimer strong { color: var(--danger); }

.guide-intro {
  font-size: 0.88rem;
  color: var(--text-light);
  margin-bottom: 14px;
  line-height: 1.55;
}

.guide-panel-head {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--primary);
  margin: 12px 0 8px;
  display: flex;
  align-items: center;
  gap: 8px;
}

/* ── SEO post/article before footer ── */
.post-article {
  max-width: 900px;
  margin: 20px auto 8px;
}

.post-article h2 {
  font-size: 1.3rem;
  font-weight: 900;
  color: var(--primary);
  margin-bottom: 6px;
  line-height: 1.3;
}

.post-article .post-meta {
  font-size: 0.72rem;
  color: var(--text-light);
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-weight: 700;
}

.post-article h3 {
  font-size: 1.02rem;
  font-weight: 800;
  color: var(--primary);
  margin: 18px 0 6px;
}

.post-article p {
  font-size: 0.92rem;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 12px;
}

.post-article strong { color: var(--primary); }

.post-article .post-note {
  font-size: 0.78rem;
  color: var(--text-light);
  background: rgba(246, 185, 59, 0.1);
  border-left: 4px solid var(--secondary);
  padding: 12px 16px;
  border-radius: 0 12px 12px 0;
  margin-top: 16px;
}

/* ── Card ── */
.card {
  background: var(--card-bg);
  backdrop-filter: blur(8px);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px 24px 32px;
  margin-bottom: 20px;
  border: 1px solid var(--card-border);
  position: relative;
  overflow: hidden;
}

.card::before {
  content: '';
  position: absolute;
  top: -50%; left: -50%;
  width: 200%; height: 200%;
  background: radial-gradient(circle at 30% 20%, rgba(246, 185, 59, 0.05), transparent 60%);
  pointer-events: none;
}

.card-title {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 10px;
}

/* ── Wizard ── */
.wizard-progress {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 28px;
  padding: 0 4px;
}

.step-indicator {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  position: relative;
  z-index: 2;
}

.step-indicator .circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #e8ecf1;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.85rem;
  color: var(--text-light);
  transition: var(--transition);
  border: 3px solid transparent;
}

.step-indicator.active .circle {
  background: var(--primary);
  color: #fff;
  border-color: var(--secondary);
  transform: scale(1.08);
}

.step-indicator.completed .circle {
  background: var(--success);
  color: #fff;
}

.step-indicator .label {
  font-size: 0.6rem;
  font-weight: 600;
  color: var(--text-light);
  margin-top: 6px;
}

.step-indicator.active .label { color: var(--primary); font-weight: 700; }
.step-indicator.completed .label { color: var(--success); }

.wizard-progress .line {
  flex: 1;
  height: 3px;
  background: #dce3eb;
  margin: 0 2px;
  position: relative;
  top: -10px;
  border-radius: 4px;
}

.wizard-progress .line.filled { background: var(--primary-light); }
.wizard-progress .line.filled-green { background: var(--success); }

.step { display: none; animation: fadeSlide 0.5s ease; }
.step.active { display: block; }

@keyframes fadeSlide {
  0% { opacity: 0; transform: translateY(20px); }
  100% { opacity: 1; transform: translateY(0); }
}

.step h3 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.step h3 i { color: var(--secondary); }
.step .sub { color: var(--text-light); font-size: 0.85rem; margin-bottom: 18px; }

/* ── Forms ── */
.form-group { margin-bottom: 18px; }

.form-group label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 6px;
}

.form-group label i { color: var(--primary-light); width: 18px; }
.form-group label .required { color: var(--danger); }

.form-group .hint {
  font-size: 0.75rem;
  color: var(--text-light);
  margin-top: 4px;
}

input, select {
  width: 100%;
  padding: 14px 18px;
  border: 2px solid #e2e8f0;
  border-radius: 16px;
  font-size: 1rem;
  font-family: inherit;
  background: rgba(255, 255, 255, 0.7);
  transition: var(--transition);
  color: var(--text);
  -webkit-appearance: none;
  appearance: none;
}

input:focus, select:focus {
  outline: none;
  border-color: var(--primary-light);
  box-shadow: 0 0 0 5px rgba(26, 107, 138, 0.12);
  background: #fff;
}

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235a6a7a' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 18px center;
  padding-right: 44px;
}

.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.range-wrap { display: flex; align-items: center; gap: 16px; }

.range-wrap input[type="range"] {
  flex: 1;
  padding: 0;
  border: none;
  background: #dce3eb;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  border-radius: 10px;
}

.range-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(10, 61, 98, 0.3);
}

.range-value {
  min-width: 70px;
  font-weight: 800;
  color: var(--primary);
  text-align: center;
  font-size: 1rem;
  background: rgba(255, 255, 255, 0.6);
  padding: 4px 12px;
  border-radius: 40px;
}

/* ── Buttons ── */
.btn-row { display: flex; gap: 14px; margin-top: 24px; flex-wrap: wrap; }

.btn {
  padding: 14px 28px;
  border: none;
  border-radius: 60px;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  flex: 1;
  min-width: 120px;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff;
  box-shadow: 0 8px 24px rgba(10, 61, 98, 0.25);
}

.btn-primary:hover { transform: translateY(-2px); }

.btn-secondary { background: #e8ecf1; color: var(--text); }
.btn-secondary:hover { background: #d5dce5; }

.btn-success {
  background: linear-gradient(135deg, var(--success), #27ae60);
  color: #fff;
  box-shadow: 0 8px 24px rgba(46, 204, 113, 0.3);
}

.btn-apply {
  background: linear-gradient(135deg, var(--secondary), #e67e22);
  color: #1a2a3a;
  padding: 8px 16px;
  font-size: 0.8rem;
  min-width: auto;
  flex: none;
  box-shadow: 0 4px 12px rgba(246, 185, 59, 0.35);
}

.btn-apply:hover { transform: translateY(-2px); }

.btn-glow { animation: glowPulse 2s infinite; }

@keyframes glowPulse {
  0%, 100% { box-shadow: 0 8px 24px rgba(246, 185, 59, 0.2); }
  50% { box-shadow: 0 8px 40px rgba(246, 185, 59, 0.5); }
}

/* ── Results ── */
.score-ring { display: flex; flex-direction: column; align-items: center; padding: 10px 0; }

.ring {
  width: 150px;
  height: 150px;
  border-radius: 50%;
  background: conic-gradient(var(--secondary) 0deg, #dce3eb 0deg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
}

.ring .inner {
  width: 110px;
  height: 110px;
  border-radius: 50%;
  background: #fff;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.ring .inner .score-num {
  font-size: 2.5rem;
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
}

.ring .inner .score-label {
  font-size: 0.65rem;
  color: var(--text-light);
  font-weight: 700;
  text-transform: uppercase;
}

.status-badge {
  display: inline-block;
  padding: 8px 28px;
  border-radius: 60px;
  font-weight: 800;
  font-size: 1rem;
}

.status-badge.eligible { background: #d5f5e3; color: #1a7a4a; }
.status-badge.partial { background: #fdebd0; color: #b9770e; }
.status-badge.not-eligible { background: #fadbd8; color: #b03a2e; }

.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin: 20px 0;
}

.result-item {
  background: rgba(248, 250, 252, 0.7);
  padding: 14px 16px;
  border-radius: 18px;
  border: 1px solid rgba(255, 255, 255, 0.6);
}

.result-item .label {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--text-light);
  font-weight: 600;
}

.result-item .value {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
  margin-top: 2px;
}

.result-item .value.green { color: var(--success); }
.result-item .value.gold { color: var(--secondary); }

/* ── Bank sidebar ── */
.bank-sidebar {
  position: sticky;
  top: calc(var(--header-h) + 16px);
}

.bank-sidebar .card {
  padding: 20px 16px;
}

.bank-sidebar-title {
  font-size: 1rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.bank-sidebar-sub {
  font-size: 0.75rem;
  color: var(--text-light);
  margin-bottom: 16px;
}

.bank-card {
  background: rgba(248, 250, 252, 0.8);
  border: 2px solid transparent;
  border-radius: 16px;
  padding: 14px;
  margin-bottom: 10px;
  transition: var(--transition);
}

.bank-card.eligible { border-color: rgba(46, 204, 113, 0.4); background: rgba(46, 204, 113, 0.06); }
.bank-card.partial { border-color: rgba(243, 156, 18, 0.4); background: rgba(243, 156, 18, 0.06); }
.bank-card.not-match { opacity: 0.55; border-color: #e8ecf1; }

.bank-card-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 8px;
  margin-bottom: 8px;
}

.bank-card-name {
  font-weight: 800;
  font-size: 0.9rem;
  color: var(--primary);
}

.bank-card-rate {
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--success);
  white-space: nowrap;
}

.bank-card-status {
  font-size: 0.7rem;
  font-weight: 700;
  margin-bottom: 8px;
}

.bank-card-status.ok { color: var(--success); }
.bank-card-status.warn { color: var(--warning); }
.bank-card-status.no { color: var(--danger); }

.bank-card-reasons {
  font-size: 0.68rem;
  color: var(--text-light);
  margin-bottom: 10px;
  line-height: 1.4;
}

.bank-card-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 10px;
  font-size: 0.65rem;
  color: var(--text-light);
  margin-bottom: 8px;
}

.bank-card-meta span {
  background: rgba(255, 255, 255, 0.6);
  padding: 3px 8px;
  border-radius: 8px;
}

.bank-card-meta i { color: var(--primary-light); margin-right: 2px; }

.bank-card-note {
  font-size: 0.68rem;
  color: var(--success);
  font-weight: 600;
  margin-bottom: 8px;
  line-height: 1.35;
}

.bank-card-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.bank-card-footer .max-loan {
  font-size: 0.68rem;
  color: var(--text-light);
  line-height: 1.3;
  flex: 1;
  min-width: 120px;
}

.bank-placeholder {
  text-align: center;
  padding: 24px 12px;
  color: var(--text-light);
  font-size: 0.85rem;
}

.bank-placeholder i {
  font-size: 2rem;
  color: var(--secondary);
  margin-bottom: 8px;
  display: block;
}

/* Inline bank list in results */
.bank-list { margin: 12px 0; }

.bank-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid #f0f2f5;
  font-size: 0.9rem;
  gap: 10px;
}

.bank-item:last-child { border-bottom: none; }
.bank-item .name { font-weight: 700; display: flex; align-items: center; gap: 8px; }
.bank-item .rate { color: var(--success); font-weight: 800; white-space: nowrap; }

/* ── EMI calc — centered ── */
.emi-calc {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.emi-calc h4,
.emi-calc .text-muted {
  text-align: center;
}

.emi-calc .calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 12px 0; }
.emi-calc .form-group { text-align: left; }

.emi-result {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff;
  padding: 20px;
  border-radius: 20px;
  text-align: center;
  margin-top: 12px;
}

.emi-result .big { font-size: 2.2rem; font-weight: 900; }
.emi-result .lbl { font-size: 0.8rem; opacity: 0.8; text-transform: uppercase; }
.emi-result .sub-row { display: flex; justify-content: space-between; font-size: 0.75rem; opacity: 0.9; margin-top: 8px; }

/* ── Tools ── */
.tools-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }

.tool-card {
  background: rgba(248, 250, 252, 0.7);
  padding: 16px 10px;
  border-radius: 18px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-decoration: none;
  color: var(--text);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
}

.tool-card:hover {
  border-color: var(--primary-light);
  background: #fff;
  transform: translateY(-3px);
}

.tool-card .icon { font-size: 1.6rem; }
.tool-card .tname { font-weight: 700; font-size: 0.72rem; }

/* ── Footer ── */
.site-footer {
  text-align: center;
  padding: 28px 16px 16px;
  font-size: 0.75rem;
  color: var(--text-light);
  border-top: 1px solid #e0e6ed;
  margin-top: 20px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px 16px;
  margin-bottom: 12px;
}

.footer-links a { font-size: 0.8rem; }

/* ── Static pages ── */
.static-page {
  max-width: 800px;
  margin: 0 auto;
  padding: 32px 16px 48px;
}

.static-page h1 {
  font-size: 1.8rem;
  font-weight: 900;
  color: var(--primary);
  margin-bottom: 8px;
}

.static-page h2 {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
  margin: 24px 0 8px;
}

.static-page p, .static-page li {
  color: var(--text-light);
  font-size: 0.95rem;
  margin-bottom: 12px;
}

.static-page ul { padding-left: 24px; }

.static-notice {
  background: rgba(246, 185, 59, 0.1);
  border-left: 4px solid var(--secondary);
  padding: 16px 20px;
  border-radius: 0 12px 12px 0;
  margin: 20px 0;
  font-size: 0.9rem;
}

/* ── Confetti ── */
.confetti-container {
  position: fixed;
  top: 0; left: 0;
  width: 100%; height: 100%;
  pointer-events: none;
  z-index: 9999;
  overflow: hidden;
}

.confetti {
  position: absolute;
  width: 10px;
  height: 10px;
  border-radius: 2px;
  animation: confettiFall linear forwards;
}

@keyframes confettiFall {
  0% { transform: translateY(-10px) rotate(0deg); opacity: 1; }
  100% { transform: translateY(110vh) rotate(720deg); opacity: 0; }
}

.text-muted { color: var(--text-light); font-size: 0.85rem; }
.mt-12 { margin-top: 12px; }

/* ── Info panels (criteria, docs, factors) ── */
.info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 12px;
}

.info-cell {
  background: rgba(248, 250, 252, 0.8);
  padding: 10px 12px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.7);
}

.info-label {
  display: block;
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--text-light);
  margin-bottom: 2px;
}

.info-value {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--primary);
}

.doc-list {
  margin: 12px 0 0;
  padding-left: 20px;
  font-size: 0.85rem;
  color: var(--text-light);
}

.doc-list li { margin-bottom: 6px; }

.factor-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px solid #eef2f6;
  font-size: 0.82rem;
}

.factor-row:last-child { border-bottom: none; }

.impact-badge {
  font-size: 0.65rem;
  font-weight: 800;
  padding: 3px 10px;
  border-radius: 20px;
  white-space: nowrap;
}

.impact-vh { background: rgba(231, 76, 60, 0.12); color: #c0392b; }
.impact-hi { background: rgba(243, 156, 18, 0.15); color: #b9770e; }
.impact-md { background: rgba(52, 152, 219, 0.12); color: #2980b9; }

.info-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 4px;
}

.info-tab {
  padding: 8px 16px;
  border-radius: 20px;
  border: 2px solid #e8ecf1;
  background: transparent;
  font-size: 0.78rem;
  font-weight: 700;
  cursor: pointer;
  color: var(--text-light);
  transition: var(--transition);
}

.info-tab.active,
.info-tab:hover {
  border-color: var(--primary-light);
  background: rgba(10, 61, 98, 0.06);
  color: var(--primary);
}

.info-panel { display: none; }
.info-panel.active { display: block; animation: fadeSlide 0.35s ease; }

@media (max-width: 640px) {
  .info-grid { grid-template-columns: 1fr; }
}

/* ── Responsive ── */
@media (max-width: 960px) {
  .layout-main { grid-template-columns: 1fr; }
  .bank-sidebar { position: static; order: 2; }
}

@media (max-width: 640px) {
  .nav-toggle { display: block; }
  .main-nav {
    display: none;
    position: absolute;
    top: var(--header-h);
    left: 0; right: 0;
    background: #fff;
    padding: 12px 16px;
    box-shadow: var(--shadow);
  }
  .main-nav.open { display: block; }
  .main-nav ul { flex-direction: column; }
  .header h1 { font-size: 1.55rem; line-height: 1.25; }
  .page-wrap { padding: 12px; }
  .card { padding: 20px 16px 24px; }
  .row2, .result-grid, .emi-calc .calc-row { grid-template-columns: 1fr; }
  .tools-grid { grid-template-columns: 1fr 1fr; }
  .wizard-progress .step-indicator .circle { width: 32px; height: 32px; font-size: 0.75rem; }
  .wizard-progress .step-indicator .label { font-size: 0.5rem; }
}

@media (max-width: 420px) {
  .btn-row { flex-direction: column; }
  .btn { width: 100%; }
}