/* Shared styles for Eleventy-built pages. Base section mirrors the homepage's inline CSS — keep in sync. */
/* Self-hosted, subset variable fonts (Bricolage opsz 24–96, wght 500–600; Public Sans wght 400–700). ₹ lives in a tiny separate file. */
@font-face{font-family:'Bricolage Grotesque';font-style:normal;font-weight:500 600;font-display:swap;src:url(/assets/fonts/bricolage-latin.woff2) format('woff2');unicode-range:U+0020-007E,U+00A0-00FF,U+0131,U+0152-0153,U+2010-2015,U+2018-201F,U+2022,U+2026,U+2032-2033,U+2122,U+2190-2193,U+2212}
@font-face{font-family:'Bricolage Grotesque';font-style:normal;font-weight:500 600;font-display:swap;src:url(/assets/fonts/bricolage-rupee.woff2) format('woff2');unicode-range:U+20B9}
@font-face{font-family:'Public Sans';font-style:normal;font-weight:400 700;font-display:swap;src:url(/assets/fonts/publicsans-latin.woff2) format('woff2');unicode-range:U+0020-007E,U+00A0-00FF,U+0131,U+0152-0153,U+2010-2015,U+2018-201F,U+2022,U+2026,U+2032-2033,U+2122,U+2190-2193,U+2212}
@font-face{font-family:'Public Sans';font-style:normal;font-weight:400 700;font-display:swap;src:url(/assets/fonts/publicsans-rupee.woff2) format('woff2');unicode-range:U+20B9}
:root{
  --petrol-900:#03252E; --petrol-800:#003E4E; --petrol-700:#00303D;
  --teal-600:#0D636D; --teal-500:#0B717C; --teal-50:#E8F3F2;
  --mint-400:#48B8AA; --mint-300:#7FD3C6;
  --amber-500:#EB8D0C; --amber-400:#FBAE38;
  --sand-50:#F6F4F0; --paper:#FFFFFF;
  --ink-700:#12414C; --ink-500:#46626A; --line:#E3E0D8;
  --f-head:'Bricolage Grotesque',system-ui,sans-serif;
  --f-body:'Public Sans',system-ui,sans-serif;
  --ease:cubic-bezier(.22,1,.36,1);
  --gutter:20px; --hdr-h:64px;
  --sec-y:clamp(72px,9vw,120px);
  --shadow-rest:0 1px 2px rgba(3,37,46,.06);
  --shadow-hover:0 12px 32px -12px rgba(3,37,46,.18);
}
@media (min-width:768px){:root{--gutter:32px}}
@media (min-width:1024px){:root{--gutter:40px;--hdr-h:68px}}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
html,body{overflow-x:clip}
body{margin:0;background:var(--sand-50);color:var(--ink-700);font-family:var(--f-body);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
@media (min-width:1024px){body{font-size:17px}}
img{display:block;max-width:100%;height:auto}
a{color:var(--teal-600);text-decoration:none}
h1,h2,h3{margin:0;font-family:var(--f-head);font-weight:600;letter-spacing:-0.02em;text-wrap:balance}
p{margin:0;text-wrap:pretty}
ul{margin:0;padding:0;list-style:none}
button,input,select{font:inherit;color:inherit}
.ic{width:24px;height:24px;flex:none;stroke-width:1.75}
.ic-sm{width:18px;height:18px}
.ic-xs{width:16px;height:16px}

:focus-visible{outline:2px solid var(--teal-600);outline-offset:3px;border-radius:6px}
.on-dark :focus-visible{outline-color:var(--amber-400)}

.skip{position:absolute;left:16px;top:-60px;z-index:70;background:var(--petrol-900);color:#fff;padding:12px 18px;border-radius:10px;font-weight:600;transition:top .2s var(--ease)}
.skip:focus{top:16px}

.wrap{width:100%;max-width:calc(1200px + var(--gutter)*2);margin-inline:auto;padding-inline:var(--gutter)}
section[id]{scroll-margin-top:calc(var(--hdr-h) + 28px)}
.sec{padding-block:var(--sec-y)}

/* ---------- type ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-500)}
.eyebrow::before{content:"";width:32px;height:1px;background:currentColor;opacity:.7}
.on-dark .eyebrow{color:var(--mint-400)}
.h2{font-size:clamp(30px,3.4vw,46px);line-height:1.1;margin-top:16px;color:var(--petrol-800)}
.on-dark .h2{color:#fff}
.h3{font-size:clamp(20px,1.6vw,24px);line-height:1.2;color:var(--petrol-800)}
.lead{font-size:clamp(17px,1.4vw,19px);line-height:1.6;color:var(--ink-500);max-width:68ch}
.on-dark .lead{color:rgba(255,255,255,.8)}
.sec-head{max-width:760px}
.sec-head .lead{margin-top:20px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:0 24px;border-radius:12px;border:1px solid transparent;font-weight:600;font-size:16px;line-height:1.2;cursor:pointer;text-align:center;transition:background-color .15s var(--ease),color .15s var(--ease),border-color .15s var(--ease),box-shadow .2s var(--ease)}
.btn-amber{background:var(--amber-500);color:var(--petrol-900)}
.btn-amber:hover{background:var(--amber-400);color:var(--petrol-900)}
.btn-ghost-light{border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost-light:hover{border-color:var(--mint-300);color:var(--mint-300)}
.btn-petrol{background:var(--petrol-800);color:#fff}
.btn-petrol:hover{background:var(--teal-600);color:#fff}
.btn-line{border-color:var(--line);color:var(--petrol-800);background:rgba(255,255,255,.6)}
.btn-line:hover{border-color:var(--petrol-800);color:var(--petrol-800)}
.btn-wa{background:#25D366;color:var(--petrol-900)}
.btn-wa:hover{background:#4ADE80;color:var(--petrol-900)}
.btn-sm{min-height:44px;padding:0 18px;font-size:15px}
.link-arrow{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--teal-600);min-height:44px;cursor:pointer}
.link-arrow .ic{transition:transform .2s var(--ease)}
.link-arrow:hover{color:var(--petrol-800)}
.link-arrow:hover .ic{transform:translateX(4px)}

/* ---------- header ---------- */
.hdr{position:fixed;top:12px;left:12px;right:12px;z-index:50;pointer-events:none}
.hdr-bar{pointer-events:auto;max-width:1240px;margin:0 auto;height:var(--hdr-h);display:flex;align-items:center;gap:16px;padding:0 10px 0 18px;border-radius:16px;background:#FFFFFF;border:1px solid rgba(255,255,255,.7);box-shadow:0 12px 32px -18px rgba(0,0,0,.45);transition:background-color .2s var(--ease),box-shadow .2s var(--ease)}
.hdr.is-scrolled .hdr-bar{border-color:var(--line);box-shadow:0 10px 30px -14px rgba(3,37,46,.28)}
.hdr-logo{height:42px;width:auto}
@media (min-width:1024px){.hdr-logo{height:46px}}
.navlinks{display:none;gap:4px;margin:0 auto}
.navlinks a{padding:10px 14px;border-radius:10px;font-size:15px;font-weight:500;color:var(--ink-700);transition:color .15s var(--ease),background-color .15s var(--ease)}
.navlinks a:hover{color:var(--petrol-800);background:rgba(0,62,78,.06)}
.navlinks a.is-active{color:var(--petrol-800);background:rgba(0,62,78,.08);box-shadow:inset 0 -2px 0 var(--amber-500)}
.hdr-actions{display:flex;align-items:center;gap:8px;margin-left:auto}
.hdr-phone{display:none}
.menu-btn{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--petrol-800);cursor:pointer}
@media (min-width:600px){.hdr-phone{display:inline-flex}}
@media (min-width:1024px){.navlinks{display:flex}.hdr-actions{margin-left:0}.menu-btn{display:none}}
.mnav{pointer-events:auto;max-width:1240px;margin:8px auto 0;padding:8px;border-radius:16px;background:var(--paper);box-shadow:0 24px 48px -20px rgba(3,37,46,.35);border:1px solid var(--line)}
.mnav a{display:flex;align-items:center;min-height:48px;padding:0 14px;border-radius:10px;font-weight:600;color:var(--petrol-800)}
.mnav a:hover{background:var(--sand-50)}
.mnav .mnav-phone{gap:10px;color:var(--teal-600)}
@media (min-width:1024px){.mnav{display:none !important}}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--petrol-800);color:#fff;padding-top:calc(var(--hdr-h) + 12px + clamp(40px,5vw,72px));padding-bottom:clamp(88px,8vw,112px)}
.hero::before{content:"";position:absolute;inset:auto -20% 40% 35%;height:720px;background:radial-gradient(closest-side,rgba(72,184,170,.26),rgba(72,184,170,0));pointer-events:none}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:64px 64px;-webkit-mask-image:linear-gradient(180deg,#000,transparent 75%);mask-image:linear-gradient(180deg,#000,transparent 75%);pointer-events:none}
.hero-grid{position:relative;z-index:1;display:grid;gap:48px;align-items:center}
@media (min-width:1024px){.hero-grid{grid-template-columns:7fr 5fr;gap:64px}}
.pill{display:inline-flex;align-items:center;min-height:34px;padding:6px 16px;border-radius:999px;border:1px solid rgba(251,174,56,.55);color:var(--amber-400);font-size:12.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;line-height:1.4}
.hero h1{margin-top:28px;font-size:clamp(40px,5vw,68px);line-height:1.04;letter-spacing:-0.025em}
.hero h1 .line{display:block}
.hero h1 .accent{color:var(--mint-300)}
.hero-services{margin-top:22px;display:flex;flex-wrap:wrap;gap:6px 16px;font-size:clamp(15px,1.1vw,16px);font-weight:600;letter-spacing:.01em;color:#fff}
.hero-services li{display:inline-flex;align-items:center;gap:8px;white-space:nowrap}
.hero-services li::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--amber-400)}
.hero .lead{margin-top:14px;max-width:560px}
.hero-ctas{margin-top:36px;display:flex;flex-wrap:wrap;gap:12px}
.hero-media{position:relative;box-shadow:14px -14px 0 0 rgba(127,211,198,.28)}
.hero-img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:16px;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
@media (min-width:1024px){.hero-img{aspect-ratio:1/1;max-height:calc(100vh - 300px);min-height:380px}}

/* ---------- stats ---------- */
.stats{background:linear-gradient(180deg,var(--petrol-800) 0 50%,var(--sand-50) 50% 100%);margin-top:-1px}
.stats-bar{display:grid;grid-template-columns:repeat(2,1fr);border-radius:20px;background:rgba(0,48,61,.9);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);border:1px solid rgba(255,255,255,.12);box-shadow:0 30px 60px -30px rgba(3,37,46,.55);color:#fff;overflow:hidden;transform:translateY(-48px)}
@media (min-width:900px){.stats-bar{grid-template-columns:repeat(4,1fr)}}
.stat{padding:28px 24px}
@media (min-width:1024px){.stat{padding:36px 32px}}
.stat + .stat{border-left:1px solid rgba(255,255,255,.1)}
@media (max-width:899px){.stat:nth-child(3){border-left:0}.stat:nth-child(n+3){border-top:1px solid rgba(255,255,255,.1)}}
.stat-num{font-family:var(--f-head);font-weight:600;font-size:clamp(32px,3.4vw,46px);line-height:1;letter-spacing:-0.02em;color:var(--amber-400);font-variant-numeric:tabular-nums}
.stat-cap{margin-top:12px;font-size:14.5px;line-height:1.5;color:rgba(255,255,255,.78)}

/* ---------- services ---------- */
.services{padding-top:clamp(24px,4vw,48px)}
.cards3{margin-top:48px;display:grid;gap:20px}
@media (min-width:768px){.cards3{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1024px){.cards3{grid-template-columns:repeat(3,1fr);gap:24px}}
.card{display:flex;flex-direction:column;padding:32px;border-radius:16px;background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow-rest);color:var(--ink-700);cursor:pointer;transition:box-shadow .2s var(--ease),border-color .2s var(--ease)}
.card:hover{box-shadow:var(--shadow-hover);border-color:var(--teal-500);color:var(--ink-700)}
.icon-tile{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:14px;background:var(--teal-50);color:var(--teal-500)}
.card .h3{margin-top:24px}
.card p{margin-top:12px;color:var(--ink-500)}
.card-link{margin-top:auto;padding-top:24px;font-weight:600;color:var(--teal-600)}
.card-link .arr{display:inline-block;transition:transform .2s var(--ease)}
.card:hover .card-link .arr{transform:translateX(4px)}

/* ---------- about ---------- */
.about{background:var(--paper)}
.about-grid{margin-top:48px;display:grid;gap:48px}
@media (min-width:1024px){.about-grid{grid-template-columns:6fr 6fr;gap:72px;align-items:start}}
.about-copy p{color:var(--ink-500)}
.about-copy p + p{margin-top:18px}
.about-copy p:first-child{font-size:clamp(18px,1.5vw,20px);color:var(--ink-700)}
@media (min-width:1024px){.about-aside{position:sticky;top:calc(var(--hdr-h) + 36px)}}
.about-fig{position:relative}
.about-img{width:100%;aspect-ratio:10/7;object-fit:cover;border-radius:16px}
.mission{position:relative;z-index:1;margin-top:-56px;margin-inline:16px;padding:32px;border-radius:16px;background:var(--petrol-800);color:#fff;box-shadow:0 30px 60px -30px rgba(3,37,46,.6)}
@media (min-width:1024px){.mission{margin:-88px 0 0 -48px;padding:40px}}
.mission-tag{display:inline-flex;align-items:center;gap:10px;font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--mint-400)}
.mission-lead{margin-top:18px;font-family:var(--f-head);font-size:clamp(20px,1.8vw,24px);line-height:1.35;font-weight:500;letter-spacing:-0.01em}
.mission-body{margin-top:18px;padding-top:18px;border-top:1px solid rgba(255,255,255,.14);display:grid;gap:12px;font-size:15px;color:rgba(255,255,255,.78)}

/* ---------- why ---------- */
.why{background:var(--teal-600);color:#fff}
.why .h2{text-align:center;margin:0 auto;max-width:720px}
.pillars{margin-top:56px;display:grid;gap:40px}
@media (min-width:900px){.pillars{grid-template-columns:repeat(3,1fr);gap:32px}}
.pillar{padding-top:28px;border-top:1px solid rgba(127,211,198,.4)}
.pillar-top{display:flex;align-items:center;justify-content:space-between}
.pillar-num{font-family:var(--f-head);font-weight:600;font-size:56px;line-height:1;color:transparent;-webkit-text-stroke:1.25px var(--mint-300)}
.pillar-top .ic{width:28px;height:28px;color:var(--mint-300)}
.pillar .h3{margin-top:24px;color:#fff}
.pillar p{margin-top:12px;color:rgba(255,255,255,.86)}
.pillar strong{color:#fff;font-weight:600}

/* ---------- builders CTA ---------- */
.builders{background:var(--petrol-800);color:#fff;position:relative;overflow:hidden}
.builders::before{content:"";position:absolute;width:640px;height:640px;left:-240px;bottom:-320px;background:radial-gradient(closest-side,rgba(72,184,170,.18),transparent);pointer-events:none}
.builders-grid{position:relative;display:grid;gap:48px;align-items:center}
@media (min-width:1024px){.builders-grid{grid-template-columns:7fr 5fr;gap:72px}}
.builders .h2{margin-top:0}
.builders .lead{margin-top:20px}
.spec-label{margin-top:36px;font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--mint-400)}
.dash-list{margin-top:16px;display:grid;gap:12px}
.dash-list li{display:flex;gap:14px;align-items:baseline;font-size:clamp(17px,1.4vw,19px);font-weight:500}
.dash-list li span{color:var(--mint-400);font-weight:600}
.range-panel{padding:clamp(28px,4vw,44px);border-radius:20px;background:rgba(255,255,255,.04);border:1px solid rgba(127,211,198,.22)}
.range-label{font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.7)}
.range-fig{margin-top:16px;font-family:var(--f-head);font-weight:600;font-size:clamp(34px,3.6vw,54px);line-height:1.02;letter-spacing:-0.025em;color:var(--amber-400)}
.nw{white-space:nowrap}
.range-panel .btn{margin-top:32px;width:100%}

/* ---------- tabs (shared) ---------- */
.tablist{display:flex;gap:8px;overflow-x:auto;scroll-snap-type:x proximity;scrollbar-width:thin;padding:2px 2px 8px;margin-inline:-2px}
.tab{scroll-snap-align:start;flex:none;display:inline-flex;align-items:center;gap:12px;min-height:48px;padding:12px 18px;border-radius:12px;border:1px solid var(--line);background:var(--paper);color:var(--ink-700);font-weight:600;font-size:15px;line-height:1.3;text-align:left;cursor:pointer;white-space:nowrap;transition:background-color .2s var(--ease),color .2s var(--ease),border-color .2s var(--ease)}
.tab .ic{color:var(--teal-500);transition:color .2s var(--ease)}
.tab:hover{border-color:var(--teal-500)}
.tab[aria-selected="true"]{background:var(--petrol-800);border-color:var(--petrol-800);color:#fff}
.tab[aria-selected="true"] .ic{color:var(--mint-300)}
.panel{border-radius:20px;background:var(--paper);border:1px solid var(--line);padding:clamp(24px,3.5vw,44px)}
.panel[hidden]{display:none}
.panel-head{display:flex;align-items:center;gap:16px}
.panel p.desc{margin-top:20px;color:var(--ink-500);max-width:64ch}
.feat-label{margin-top:28px;font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-500)}
.checks{margin-top:14px;display:grid;gap:12px}
@media (min-width:640px){.checks.cols{grid-template-columns:1fr 1fr;column-gap:28px}}
.checks li{display:flex;gap:12px;align-items:flex-start;line-height:1.5}
.checks .ic{width:20px;height:20px;margin-top:2px;color:var(--teal-500);stroke-width:2.25}
.panel .link-arrow{margin-top:24px}

/* corporate: vertical tabs on desktop */
.corporate{background:var(--paper)}
.corp-tabs{margin-top:48px;display:grid;gap:20px}
@media (min-width:1024px){
  .corp-tabs{grid-template-columns:5fr 7fr;gap:32px;align-items:start}
  .corp-tabs .tablist{flex-direction:column;overflow:visible;padding:0;margin:0}
  .corp-tabs .tab{white-space:normal;padding:16px 20px;min-height:60px;font-size:16px}
  .corp-tabs .panel{min-height:100%}
}
.corp-tabs .panel{background:var(--sand-50);border-color:transparent}

/* retail: horizontal tab cards */
.retail{background:var(--sand-50)}
.retail-tabs{margin-top:48px}
@media (min-width:768px){.retail-tabs .tablist{display:grid;grid-template-columns:repeat(3,1fr);overflow:visible}}
.retail-tabs .tab{min-height:64px;padding:14px 18px}
.abbr{margin-left:auto;padding:3px 10px;border-radius:999px;background:var(--teal-50);color:var(--teal-600);font-size:12px;font-weight:700;letter-spacing:.06em}
.tab[aria-selected="true"] .abbr{background:var(--mint-300);color:var(--petrol-900)}
.retail-tabs .panel{margin-top:16px}
.retail-panel{display:grid;gap:32px}
@media (min-width:1024px){.retail-panel{grid-template-columns:5fr 7fr;gap:56px}}
.lists2{display:grid;gap:28px}
@media (min-width:640px){.lists2{grid-template-columns:1fr 1fr}}
.dots{margin-top:14px;display:grid;gap:10px}
.dots li{position:relative;padding-left:20px;line-height:1.5}
.dots li::before{content:"";position:absolute;left:2px;top:.62em;width:7px;height:7px;border-radius:50%;background:var(--mint-400)}
.lists2 .feat-label{margin-top:0}

/* ---------- insurance ---------- */
.insurance{background:var(--paper)}
.ins-grid{margin-top:48px;display:grid;gap:32px}
@media (min-width:1024px){.ins-grid{grid-template-columns:7fr 5fr;gap:56px;align-items:start}}
.ins-copy > p{color:var(--ink-500)}
.ins-copy > p + p{margin-top:18px}
.ins-copy > p:first-child{font-size:clamp(18px,1.5vw,20px);color:var(--ink-700)}
.ins-callout{margin-top:32px;padding:28px 28px 28px 24px;border-left:3px solid var(--teal-500);border-radius:0 16px 16px 0;background:var(--sand-50)}
.ins-callout-head{display:flex;align-items:center;gap:10px;color:var(--teal-500)}
.ins-callout-head .h3{font-family:var(--f-body);font-size:15px;font-weight:600;letter-spacing:.02em;color:var(--teal-600)}
.ins-callout-head .ic{width:20px;height:20px}
.ins-callout p{margin-top:14px;color:var(--ink-500)}
.coverage{padding:clamp(24px,3vw,36px);border-radius:20px;background:var(--petrol-800);color:#fff}
.coverage .feat-label{margin-top:0;color:var(--mint-400)}
.coverage .checks{margin-top:18px}
.coverage .checks .ic{color:var(--mint-300)}
.coverage .checks li{color:rgba(255,255,255,.9)}

/* ---------- contact ---------- */
.contact{background:var(--petrol-800);color:#fff;position:relative;overflow:hidden}
.contact::before{content:"";position:absolute;width:820px;height:820px;right:-300px;top:-360px;background:radial-gradient(closest-side,rgba(72,184,170,.2),transparent);pointer-events:none}
.contact-grid{position:relative;display:grid;gap:48px}
@media (min-width:1024px){.contact-grid{grid-template-columns:5fr 7fr;gap:64px;align-items:start}}
.contact .h2{font-size:clamp(32px,3.8vw,52px);line-height:1.06}
.contact .lead{margin-top:20px}
.big-phone{margin-top:32px;display:inline-flex;align-items:center;gap:16px;color:#fff;font-family:var(--f-head);font-weight:600;font-size:clamp(26px,2.6vw,34px);letter-spacing:-0.01em;min-height:56px}
.big-phone .ring{display:inline-flex;align-items:center;justify-content:center;width:56px;height:56px;border-radius:50%;background:var(--amber-500);color:var(--petrol-900);transition:background-color .15s var(--ease)}
.big-phone:hover{color:var(--amber-400)}
.big-phone:hover .ring{background:var(--amber-400)}
.contact-actions{margin-top:32px;display:flex;flex-wrap:wrap;align-items:center;gap:16px 24px}
.contact-actions .big-phone{margin-top:0}
.contact-meta{margin-top:40px;padding-top:32px;border-top:1px solid rgba(255,255,255,.14);display:grid;gap:28px}
@media (min-width:640px){.contact-meta{grid-template-columns:1.4fr 1fr}}
.meta-label{font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--mint-400)}
.contact-meta p{margin-top:10px;color:rgba(255,255,255,.82);font-size:15px}
.contact-meta .maps{margin-top:6px;color:var(--mint-300);gap:6px}
.contact-meta .maps:hover{color:#fff}
.socials{margin-top:10px;display:flex;gap:8px}
.socials a{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;border:1px solid rgba(255,255,255,.22);color:#fff;transition:border-color .15s var(--ease),color .15s var(--ease)}
.socials a:hover{border-color:var(--amber-400);color:var(--amber-400)}
.form-card{border-radius:20px;background:var(--paper);color:var(--ink-700);padding:clamp(24px,3.5vw,40px);box-shadow:0 40px 80px -40px rgba(0,0,0,.55)}
.form-card .h3{font-size:clamp(22px,2vw,28px)}
.form-sub{margin-top:8px;color:var(--ink-500)}
.fields{margin-top:28px;display:grid;gap:18px}
@media (min-width:640px){.fields{grid-template-columns:1fr 1fr}.fields .full{grid-column:1/-1}}
.field label{display:block;font-size:14px;font-weight:600;color:var(--petrol-800)}
.field input,.field select{margin-top:8px;width:100%;min-height:50px;padding:12px 14px;border-radius:12px;border:1px solid #7D8A8E;background:#FBFAF8;color:var(--ink-700);font-size:16px;transition:border-color .15s var(--ease),box-shadow .15s var(--ease)}
.field select{appearance:none;-webkit-appearance:none;padding-right:40px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%230B717C' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;cursor:pointer}
.field input::placeholder{color:#66777C}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal-500);box-shadow:0 0 0 3px rgba(11,113,124,.18)}
.field input[aria-invalid="true"]{border-color:#B42318;box-shadow:0 0 0 3px rgba(180,35,24,.12)}
.err{margin-top:6px;font-size:13.5px;color:#B42318;min-height:0}
.err:empty{display:none}
.submit{margin-top:6px;width:100%;min-height:54px;font-size:16.5px}
.form-note{margin-top:10px;display:flex;align-items:center;justify-content:center;gap:8px;font-size:13.5px;color:var(--ink-500)}
.form-note .ic{width:16px;height:16px;color:#1A9E4B}
.thanks .wa-fallback{margin-top:20px;justify-content:center}
.thanks{text-align:center;padding:32px 8px}
.thanks[hidden]{display:none}
.thanks-badge{margin:0 auto;display:flex;align-items:center;justify-content:center;width:64px;height:64px;border-radius:50%;background:var(--teal-50);color:var(--teal-500)}
.thanks-badge .ic{width:30px;height:30px;stroke-width:2.25}
.thanks-title{margin-top:20px;font-family:var(--f-head);font-weight:600;font-size:clamp(22px,2.2vw,28px);line-height:1.2;color:var(--petrol-800);text-wrap:balance}
.thanks p{margin:12px auto 0;max-width:40ch;color:var(--ink-500)}
.thanks:focus{outline:none}

.mbar{position:fixed;left:12px;right:12px;bottom:12px;z-index:40;display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:8px;padding-bottom:calc(8px + env(safe-area-inset-bottom,0px));border-radius:16px;background:rgba(255,255,255,.97);border:1px solid var(--line);box-shadow:0 16px 40px -12px rgba(3,37,46,.45);transform:translateY(calc(100% + 32px));transition:transform .3s var(--ease)}
.mbar.is-on{transform:none}
.mbar .btn{min-height:48px;padding:0 12px}
@media (min-width:768px){.mbar{display:none}}
@media (max-width:767px){.ftr{padding-bottom:calc(32px + 80px + env(safe-area-inset-bottom,0px))}}

/* ---------- footer ---------- */
.ftr{background:var(--petrol-900);color:rgba(255,255,255,.66);font-size:14px;padding-block:32px}
.ftr .wrap{display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between}

/* ---------- motion ---------- */
/* Hero entrance is pure CSS so first paint never waits for JS. The H1 and hero image
   only move (never fade) so they count as painted immediately for LCP. */
@media (prefers-reduced-motion:no-preference){
  .hero .rise{animation:bc-rise .6s var(--ease) var(--d,0s) both}
  .hero .slide{animation:bc-slide .6s var(--ease) var(--d,0s) both}
  .hero-img{animation:bc-settle 1.1s var(--ease) both}
}
@keyframes bc-rise{from{opacity:0;transform:translateY(16px)}}
@keyframes bc-slide{from{transform:translateY(14px)}}
@keyframes bc-settle{from{transform:scale(1.04)}}
.hero-media{overflow:hidden;border-radius:16px}
.js-motion [data-reveal]{opacity:0}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition-duration:.01ms !important;animation-duration:.01ms !important}
}

/* =====================================================================
   Service / article pages (not used by the hand-built homepage)
   ===================================================================== */
.page-hero{position:relative;overflow:hidden;background:var(--petrol-800);color:#fff;padding-top:calc(var(--hdr-h) + 12px + clamp(36px,5vw,64px));padding-bottom:clamp(56px,7vw,88px)}
.page-hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:64px 64px;-webkit-mask-image:linear-gradient(180deg,#000,transparent 80%);mask-image:linear-gradient(180deg,#000,transparent 80%);pointer-events:none}
.page-hero::before{content:"";position:absolute;inset:-30% -20% auto 45%;height:620px;background:radial-gradient(closest-side,rgba(72,184,170,.22),rgba(72,184,170,0));pointer-events:none}
.page-hero .wrap{position:relative;z-index:1}
.crumbs ol{display:flex;flex-wrap:wrap;align-items:center;gap:6px;margin:0;padding:0;list-style:none;font-size:14px;color:rgba(255,255,255,.72)}
.crumbs a{color:rgba(255,255,255,.85)}
.crumbs a:hover{color:var(--mint-300)}
.crumbs .ic{width:14px;height:14px;opacity:.6}
.crumbs [aria-current]{color:#fff;font-weight:600}
.page-hero .eyebrow{margin-top:28px}
.page-hero h1{margin-top:14px;font-size:clamp(34px,4.4vw,58px);line-height:1.06;letter-spacing:-0.025em;max-width:860px}
.answer{margin-top:22px;max-width:760px;font-size:clamp(17px,1.5vw,20px);line-height:1.6;color:rgba(255,255,255,.88)}
.page-hero .hero-ctas{margin-top:32px}
.facts{margin-top:44px;display:grid;grid-template-columns:repeat(2,1fr);border-radius:18px;border:1px solid rgba(255,255,255,.12);background:rgba(0,48,61,.6);overflow:hidden}
@media (min-width:900px){.facts{grid-template-columns:repeat(4,1fr)}}
.fact{padding:20px 22px}
.fact + .fact{border-left:1px solid rgba(255,255,255,.1)}
@media (max-width:899px){.fact:nth-child(3){border-left:0}.fact:nth-child(n+3){border-top:1px solid rgba(255,255,255,.1)}}
.fact-k{font-size:12.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--mint-400)}
.fact-v{margin-top:8px;font-family:var(--f-head);font-weight:600;font-size:clamp(18px,1.7vw,22px);line-height:1.25;color:#fff}

.prose-sec{background:var(--paper)}
.prose-sec.alt{background:var(--sand-50)}
.two-col{display:grid;gap:40px}
@media (min-width:1024px){.two-col{grid-template-columns:5fr 7fr;gap:72px;align-items:start}}
.prose p{color:var(--ink-500);max-width:68ch}
.prose p + p{margin-top:16px}
.prose p.lead-in{font-size:clamp(18px,1.5vw,20px);color:var(--ink-700)}
.prose strong{color:var(--ink-700)}
.prose .h3{margin-top:32px}
.prose .checks,.prose .dots{margin-top:16px}

.steps{margin-top:40px;display:grid;gap:20px;counter-reset:step}
@media (min-width:768px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1100px){.steps{grid-template-columns:repeat(4,1fr)}}
.step{position:relative;padding:28px;border-radius:16px;background:var(--paper);border:1px solid var(--line)}
.step-n{font-family:var(--f-head);font-weight:600;font-size:44px;line-height:1;color:transparent;-webkit-text-stroke:1.25px var(--teal-500)}
.step .h3{margin-top:18px;font-size:19px}
.step p{margin-top:10px;color:var(--ink-500);font-size:15.5px}

.doc-grid{margin-top:32px;display:grid;gap:12px}
@media (min-width:768px){.doc-grid{grid-template-columns:1fr 1fr;column-gap:28px}}
.note{margin-top:24px;padding:16px 18px;border-radius:12px;background:var(--teal-50);color:var(--ink-700);font-size:14.5px}
.note strong{color:var(--petrol-800)}

.faq{margin-top:36px;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 0;cursor:pointer;font-family:var(--f-head);font-weight:600;font-size:clamp(17px,1.4vw,19px);line-height:1.35;color:var(--petrol-800)}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ic{flex:none;width:20px;height:20px;color:var(--teal-500);transition:transform .2s var(--ease)}
.faq details[open] summary .ic{transform:rotate(45deg)}
.faq .faq-a{padding:0 0 22px;color:var(--ink-500);max-width:72ch}
.faq .faq-a p + p{margin-top:12px}

.related{margin-top:40px;display:grid;gap:16px}
@media (min-width:768px){.related{grid-template-columns:repeat(2,1fr)}}

.cta-band{background:var(--petrol-800);color:#fff;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;width:760px;height:760px;right:-280px;top:-360px;background:radial-gradient(closest-side,rgba(72,184,170,.2),transparent);pointer-events:none}
.cta-inner{position:relative;display:grid;gap:28px;align-items:center}
@media (min-width:1024px){.cta-inner{grid-template-columns:7fr 5fr;gap:56px}}
.cta-band .h2{margin-top:12px}
.cta-actions{display:flex;flex-wrap:wrap;gap:12px}
.disclaimer{margin-top:28px;font-size:13.5px;color:rgba(255,255,255,.66);max-width:80ch}
.page-updated{margin-top:12px;font-size:13.5px;color:var(--ink-500)}

.prose h2{font-size:clamp(26px,2.6vw,36px);line-height:1.15;color:var(--petrol-800);margin:56px 0 0}
.prose > div > h2:first-child,.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--f-head);font-weight:600;font-size:clamp(19px,1.5vw,22px);color:var(--petrol-800);margin:28px 0 0}
.prose h2 + p,.prose h3 + p{margin-top:14px}
.prose ul{margin:14px 0 0;padding:0;list-style:none;display:grid;gap:10px;max-width:68ch}
.prose ul li{position:relative;padding-left:20px;color:var(--ink-700);line-height:1.55}
.prose ul li::before{content:"";position:absolute;left:2px;top:.62em;width:7px;height:7px;border-radius:50%;background:var(--mint-400)}
.prose-cols{display:grid;gap:40px 56px;margin-top:56px}
@media (min-width:1024px){.prose-cols{grid-template-columns:1fr 1fr}}

/* ---------- insights (blog) ---------- */
.article-hero h1{font-size:clamp(30px,3.8vw,50px);max-width:900px}
.byline{margin-top:22px;display:flex;flex-wrap:wrap;gap:6px 10px;font-size:14.5px;color:rgba(255,255,255,.78)}
.byline a{color:#fff;font-weight:600}
.byline a:hover{color:var(--mint-300)}
.article-wrap{max-width:calc(780px + var(--gutter)*2)}
.takeaways{padding:24px 26px;border-radius:16px;background:var(--teal-50);border-left:3px solid var(--teal-500)}
.takeaways-title{font-family:var(--f-body);font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-600)}
.takeaways ul{margin:12px 0 0;padding:0;list-style:none;display:grid;gap:10px}
.takeaways li{position:relative;padding-left:22px;color:var(--ink-700);line-height:1.55}
.takeaways li::before{content:"";position:absolute;left:2px;top:.55em;width:9px;height:9px;border-radius:2px;background:var(--teal-500)}
.article-body{margin-top:40px}
.article-body h2{margin-top:48px}
.article-body p{max-width:none}
.article-body ul{max-width:none}
.article-body a{color:var(--teal-600);text-decoration:underline;text-underline-offset:3px}
.article-body a:hover{color:var(--petrol-800)}
.table-wrap{margin-top:20px;overflow-x:auto;border:1px solid var(--line);border-radius:14px}
.article-body table{width:100%;border-collapse:collapse;font-size:15px;min-width:560px}
.article-body th,.article-body td{padding:12px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.article-body thead th{background:var(--sand-50);font-weight:700;color:var(--petrol-800)}
.article-body tbody th{font-weight:600;color:var(--petrol-800);width:26%}
.article-body tr:last-child td,.article-body tr:last-child th{border-bottom:0}
.author-box{margin-top:48px;display:flex;gap:18px;align-items:flex-start;padding:24px;border-radius:16px;border:1px solid var(--line);background:var(--paper)}
.author-box img{flex:none;width:132px;height:auto;mix-blend-mode:multiply}
.author-name{font-family:var(--f-head);font-weight:600;font-size:18px;color:var(--petrol-800)}
.author-box p{color:var(--ink-500);font-size:15px}
.author-box p + p{margin-top:6px}
.author-box .link-arrow{min-height:0;margin-top:4px}
@media (max-width:560px){.author-box{flex-direction:column}}
.article-disclaimer{margin-top:24px;font-size:13.5px;color:var(--ink-500)}
.post-grid{display:grid;gap:20px}
@media (min-width:768px){.post-grid{grid-template-columns:repeat(2,1fr)}}
.post-cat{font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-500)}
.post-card .h3{margin-top:12px}
.post-meta{margin-top:14px;font-size:14px;color:var(--ink-500)}
.feed-link{margin-top:28px}
.sources{margin-top:48px;padding-top:24px;border-top:1px solid var(--line)}
.sources-title{font-family:var(--f-body);font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-600)}
.sources ol{margin:14px 0 0;padding-left:20px;display:grid;gap:8px;font-size:14.5px;color:var(--ink-500)}
.sources a{color:var(--teal-600);text-decoration:underline;text-underline-offset:3px;word-break:break-word}
.sources a:hover{color:var(--petrol-800)}

/* =====================================================================
   Calculators (/tools/) — used only by layouts/tool.njk and tools/index.njk.
   Self-contained block: nothing above is modified. Not mirrored on the homepage.
   ===================================================================== */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.tool-badges{margin-top:24px;display:flex;flex-wrap:wrap;gap:8px 20px;font-size:14px;color:rgba(255,255,255,.8)}
.tool-badges li{display:inline-flex;align-items:center;gap:8px}
.tool-badges .ic{color:var(--mint-300)}
.tool-sec{background:var(--paper);padding-top:clamp(40px,5vw,72px)}
.tool-form{min-width:0}
.tool-grid{display:grid;gap:28px;align-items:start}
.tool-grid > *{min-width:0}
@media (min-width:1024px){.tool-grid{grid-template-columns:7fr 5fr;gap:40px}.tool-results{position:sticky;top:calc(var(--hdr-h) + 28px)}}
.tool-fs{margin:0 0 20px;padding:20px;border:1px solid var(--line);border-radius:16px;background:var(--sand-50);min-width:0}
.tool-fs legend{padding:0 8px;margin-left:-8px;font-family:var(--f-head);font-weight:600;font-size:17px;color:var(--petrol-800)}
.tf-grid{display:grid;gap:16px}
@media (min-width:560px){.tf-grid{grid-template-columns:1fr 1fr;column-gap:18px}.tf-wide{grid-column:1/-1}}
.tf{min-width:0}
.tf label{display:block;font-size:14px;font-weight:600;line-height:1.35;color:var(--petrol-800)}
.tf-ctl{margin-top:6px;display:flex;align-items:stretch;min-height:48px;border-radius:12px;border:1px solid #7D8A8E;background:#fff;transition:border-color .15s var(--ease),box-shadow .15s var(--ease)}
.tf-ctl:focus-within{border-color:var(--teal-500);box-shadow:0 0 0 3px rgba(11,113,124,.18)}
.tf-ctl:has([aria-invalid="true"]){border-color:#B42318;box-shadow:0 0 0 3px rgba(180,35,24,.12)}
.tf-ctl input,.tf-ctl select{flex:1;min-width:0;width:100%;border:0;background:transparent;padding:10px 12px;font-size:16px;color:var(--ink-700);font-variant-numeric:tabular-nums}
.tf-ctl input:focus,.tf-ctl select:focus{outline:none}
.tf-sel select{appearance:none;-webkit-appearance:none;padding-right:38px;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%230B717C' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 10px center;text-overflow:ellipsis}
.tf-pre,.tf-suf{display:flex;align-items:center;padding:0 12px;color:var(--ink-500);font-size:15px;white-space:nowrap;background:var(--sand-50)}
.tf-pre{border-right:1px solid var(--line);border-radius:11px 0 0 11px}
.tf-suf{border-left:1px solid var(--line);border-radius:0 11px 11px 0}
.tf-amt{margin-top:4px;font-size:13px;color:var(--teal-600);min-height:0}
.tf-amt:empty{display:none}
.tf-hint{margin-top:4px;font-size:13px;line-height:1.45;color:var(--ink-500)}
.tf-hint:empty{display:none}
.tf .err{font-size:13px}
.tf-check{display:flex;align-items:flex-start;gap:10px}
.tf-check input{width:20px;height:20px;margin-top:2px;accent-color:var(--teal-600)}
.tf-range input[type=range]{width:100%;margin-top:12px;accent-color:var(--teal-600);min-height:32px}
.tf-range output{font-weight:700;color:var(--teal-600)}
.tool-errors{font-size:14.5px;font-weight:600;color:#B42318}
.tool-errors:empty{display:none}
.tool-results{padding:22px;border-radius:18px;background:var(--paper);border:1px solid var(--line);box-shadow:0 16px 40px -28px rgba(3,37,46,.4)}
.tool-results-title{font-family:var(--f-body);font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-600)}
.kpis{margin-top:14px;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.kpi{display:flex;flex-direction:column;gap:4px;padding:14px;border-radius:12px;background:var(--sand-50);min-width:0}
.kpi-main{grid-column:1/-1;background:var(--petrol-800);color:#fff}
.kpi-k{font-size:12.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-500)}
.kpi-main .kpi-k{color:var(--mint-300)}
.kpi-v{font-family:var(--f-head);font-weight:600;font-size:clamp(20px,2vw,24px);line-height:1.15;color:var(--petrol-800);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.kpi-main .kpi-v{font-size:clamp(28px,3vw,38px);color:var(--amber-400)}
.kpi-s{font-size:12.5px;line-height:1.4;color:var(--ink-500)}
.kpi-main .kpi-s{color:rgba(255,255,255,.75)}
.kpi.is-bad{background:#FDECEA}
.kpi.is-bad .kpi-v{color:#B42318}
.tool-summary{margin-top:14px;font-size:15px;line-height:1.5;color:var(--ink-700)}
.tool-warn,.tool-notes li{font-size:14px;line-height:1.5;color:#8A4B00}
.tool-warn{margin-top:10px}
.tool-warn:empty,.tool-notes:empty{display:none}
.tool-notes{margin-top:12px;display:grid;gap:8px;padding:12px 14px;border-radius:12px;background:#FFF6E5}
.tool-block{margin-top:36px;min-width:0}
.tool-h3{font-family:var(--f-head);font-weight:600;font-size:clamp(19px,1.6vw,22px);color:var(--petrol-800)}
.tool-help{margin-top:8px;font-size:14.5px;line-height:1.55;color:var(--ink-500);max-width:80ch}
.tool-help:empty{display:none}
.table-scroll{position:relative;margin-top:14px;max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:14px;background:#fff}
.table-scroll:empty{display:none}
.table-scroll:focus-visible{outline-offset:2px}
.tool-table{width:100%;border-collapse:collapse;font-size:14.5px;font-variant-numeric:tabular-nums}
.tool-table caption{text-align:left;padding:10px 12px;font-weight:600}
.tool-table th,.tool-table td{padding:10px 12px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);white-space:nowrap}
.tool-table thead th{background:var(--sand-50);font-weight:700;color:var(--petrol-800);font-size:13.5px}
.tool-table tbody th{font-weight:600;color:var(--petrol-800)}
.tool-table td:last-child,.tool-table th:last-child{white-space:normal}
.tool-table tbody th{white-space:normal;min-width:120px}
.tool-table .num{text-align:right}
.tool-table tfoot td{font-weight:700;background:var(--teal-50);color:var(--petrol-800);border-bottom:0}
.tool-table tbody tr:last-child th,.tool-table tbody tr:last-child td{border-bottom:0}
.tool-table tr.is-strong th,.tool-table tr.is-strong td{font-weight:700;color:var(--petrol-800);background:#F3F8F7}
.tool-table tr.is-low td,.tool-table tr.is-low th{background:#FDECEA}
.tool-table tr.is-low .dscr{color:#B42318;font-weight:700}
.tool-table tr.is-muted td,.tool-table tr.is-muted th{color:#7A8A8F}
.tool-table tr.is-stage td,.tool-table tr.is-stage th{background:#F7FBFA}
#dp-sum .tool-table,#lim-tov .tool-table,#lim-mpbf .tool-table,#sd-rate .tool-table,#dep-table .tool-table{min-width:0}
#lim-tov td:first-child,#lim-mpbf td:first-child,#dp-sum th,#sd-cost th,#f3-table td:nth-child(2),#dep-table td:nth-child(2){white-space:normal;min-width:200px}
#sd-cost td:last-child{min-width:200px}
#sd-cost td.num,#dp-sum td.num,#lim-tov td.num,#lim-mpbf td.num,#f3-table td.num,#dep-table td.num,#sd-rate td.num{white-space:nowrap}
@media (max-width:600px){#lim-tov td:first-child,#lim-mpbf td:first-child,#dp-sum th,#sd-cost th,#sd-rate th,#f3-table td:nth-child(2),#dep-table td:nth-child(2){min-width:150px}.tool-table th,.tool-table td{padding:9px 10px}}
.tool-input-table td{padding:6px 8px}
.tool-input-table .cell{width:100%;min-width:130px;min-height:42px;padding:8px 10px;border:1px solid #9AA6A9;border-radius:10px;background:#fff;font-size:15px;text-align:right;font-variant-numeric:tabular-nums}
.tool-input-table .cell-text{text-align:left;min-width:260px}
.tool-input-table .cell-sm{min-width:84px}
.tool-input-table .cell:focus{outline:none;border-color:var(--teal-500);box-shadow:0 0 0 3px rgba(11,113,124,.18)}
.tool-input-table .cell[aria-invalid="true"]{border-color:#B42318}
.cell-act{width:44px}
.icon-btn{width:40px;height:40px;border-radius:10px;border:1px solid var(--line);background:#fff;color:var(--ink-500);font-size:20px;line-height:1;cursor:pointer}
.icon-btn:hover:not(:disabled){border-color:#B42318;color:#B42318}
.icon-btn:disabled{opacity:.4;cursor:not-allowed}
#add-stage{margin-top:12px}
.tool-details{border:1px solid var(--line);border-radius:14px;padding:4px 16px 16px;background:var(--sand-50)}
.tool-details summary{cursor:pointer;padding:12px 0;font-family:var(--f-head);font-weight:600;font-size:18px;color:var(--petrol-800)}
.tool-tabs{margin-bottom:20px}
.tool-panel[hidden]{display:none}
.tool-actions{margin-top:32px;display:flex;flex-wrap:wrap;align-items:center;gap:10px}
.tool-status{flex-basis:100%;font-size:14px;color:var(--teal-600);min-height:0}
.tool-status:empty{display:none}
.tool-privacy{margin-top:14px;display:flex;align-items:flex-start;gap:8px;font-size:13.5px;color:var(--ink-500)}
.tool-privacy .ic{margin-top:3px;color:#1A9E4B}
.tool-prose{max-width:820px}
.tool-prose .eyebrow{margin-bottom:12px}
.tool-prose a{color:var(--teal-600);text-decoration:underline;text-underline-offset:3px}
.formula{margin-top:16px !important;padding:16px 18px;border-left:3px solid var(--amber-500);border-radius:0 12px 12px 0;background:var(--paper);font-family:var(--f-head);font-weight:500;font-size:clamp(16px,1.4vw,18px);line-height:1.5;color:var(--petrol-800) !important}
.tool-prose .table-wrap{background:#fff}
.tool-prose .table-wrap .tool-table td:last-child{min-width:0}
.tool-related .post-cat{display:block}
.tool-sources{margin-top:56px}
.tool-cards{display:grid;gap:20px}
@media (min-width:768px){.tool-cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1100px){.tool-cards{grid-template-columns:repeat(3,1fr)}}
.tool-card .tool-card-for{margin-top:20px;display:block}
.tool-card .h3{margin-top:8px}
.tool-hub-note{margin-top:40px;max-width:900px}
@media (max-width:420px){.tool-fs{padding:16px 14px}.tool-results{padding:16px}.kpis{grid-template-columns:1fr}}
@media print{
  .hdr,.mbar,.ftr,.cta-band,.tool-actions,.tool-privacy,.tool-related,.tool-faq,.crumbs,.tool-badges,.skip,#add-stage,.icon-btn,.tool-tabs{display:none !important}
  body{background:#fff;font-size:11pt}
  .page-hero{padding:0 0 12pt;background:#fff;color:#000}
  .page-hero::before,.page-hero::after{display:none}
  .page-hero h1{color:#000;font-size:20pt}
  .page-hero .answer{color:#333;font-size:10.5pt}
  .page-hero .eyebrow{color:#0B717C}
  .sec{padding-block:12pt}
  .tool-panel[hidden]{display:block !important}
  .tool-grid{display:block}
  .tool-results{position:static;box-shadow:none;break-inside:avoid;margin-top:12pt}
  .kpi-main{background:#fff;color:#000;border:1px solid #999}
  .kpi-main .kpi-v{color:#000}.kpi-main .kpi-k,.kpi-main .kpi-s{color:#333}
  .table-scroll{overflow:visible;border:0}
  .tool-table{font-size:8.5pt}
  .tool-table th,.tool-table td{padding:3pt 5pt;white-space:normal}
  .tool-details{border:0;padding:0;background:#fff}
  .tf-ctl{border-color:#999;box-shadow:none}
  .tool-fs{background:#fff;break-inside:avoid}
  .tool-method{break-before:page}
  a[href^="http"]::after{content:" (" attr(href) ")";font-size:8pt;color:#555;word-break:break-all}
}

/* Calculator callout inside articles */
.tool-callout{margin-top:32px}
.tool-callout li a{color:var(--teal-600)}

/* Header: room for the Calculators link on small laptops */
@media (min-width:1024px) and (max-width:1279px){.hdr-phone{display:none}.navlinks a{padding:10px 11px}}.hdr-actions .btn{white-space:nowrap}

/* ---------- Insights list: search, topic filters, cards with thumbnails ---------- */
.ins-card[hidden],.ins-feature[hidden],.ins-toolbar[hidden],.ins-empty[hidden],.ins-clear[hidden]{display:none}
.ins-stats{margin:28px 0 0;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:10px 28px;color:rgba(255,255,255,.82);font-size:15px}
.ins-stats strong{font-family:var(--f-head);font-weight:600;font-size:22px;color:#fff;margin-right:6px}
.ins-stats a{display:inline-flex;align-items:center;gap:6px;font-weight:600;color:var(--amber-400)}
.ins-stats a:hover{color:#fff}
.ins-toolbar{margin-bottom:36px}
.ins-search{position:relative;max-width:640px}
.ins-search>.ic{position:absolute;left:18px;top:50%;transform:translateY(-50%);color:var(--ink-500);pointer-events:none}
.ins-search input{width:100%;height:56px;padding:0 52px 0 50px;border-radius:14px;border:1px solid var(--line);background:var(--paper);box-shadow:var(--shadow-rest);font:inherit;font-size:16px;color:var(--ink-700);-webkit-appearance:none;appearance:none}
.ins-search input::placeholder{color:#8a9a9e}
.ins-search input:focus{outline:none;border-color:var(--teal-500);box-shadow:0 0 0 4px rgba(11,113,124,.14)}
.ins-search input::-webkit-search-cancel-button{display:none}
.ins-clear{position:absolute;right:10px;top:50%;transform:translateY(-50%);width:36px;height:36px;display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:10px;background:transparent;color:var(--ink-500);cursor:pointer}
.ins-clear:hover{background:var(--teal-50);color:var(--petrol-800)}
.ins-chips{margin-top:18px;display:flex;flex-wrap:wrap;gap:8px}
.ins-chip{display:inline-flex;align-items:center;gap:8px;min-height:40px;padding:6px 14px;border-radius:999px;border:1px solid var(--line);background:var(--paper);font:inherit;font-size:14.5px;font-weight:500;color:var(--ink-700);cursor:pointer;transition:background-color .15s var(--ease),border-color .15s var(--ease),color .15s var(--ease)}
.ins-chip:hover{border-color:var(--teal-500)}
.ins-chip[aria-pressed="true"]{background:var(--petrol-800);border-color:var(--petrol-800);color:#fff}
.ins-count{min-width:22px;padding:1px 7px;border-radius:999px;background:var(--teal-50);color:var(--teal-600);font-size:12px;font-weight:700;text-align:center}
.ins-chip[aria-pressed="true"] .ins-count{background:rgba(255,255,255,.16);color:#fff}
.ins-status{margin-top:16px;font-size:14px;color:var(--ink-500)}
.ins-card{padding:0;overflow:hidden}
.ins-thumb{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--teal-50)}
.ins-thumb img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--ease)}
.ins-card:hover .ins-thumb img{transform:scale(1.04)}
.ins-body{display:flex;flex-direction:column;flex:1;padding:22px 26px 26px}
.ins-tags{display:flex;flex-wrap:wrap;gap:6px}
.ins-tag{padding:4px 10px;border-radius:999px;background:var(--teal-50);color:var(--teal-600);font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;line-height:1.4}
.card .ins-title{margin-top:14px}
.ins-text{display:block;margin-top:10px;color:var(--ink-500);font-size:15.5px;line-height:1.55}
.ins-grid .ins-text{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.ins-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px;font-size:13.5px;color:var(--ink-500)}
.ins-card .card-link{padding-top:18px}
.ins-feature{margin-bottom:24px}
.ins-card--feature .ins-body{padding:28px 28px 30px}
.ins-card--feature .ins-title{font-size:clamp(26px,3vw,34px)}
@media (min-width:900px){
  .ins-card--feature{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr)}
  .ins-card--feature .ins-thumb{aspect-ratio:auto;height:100%;min-height:340px}
  .ins-card--feature .ins-body{padding:40px 44px}
}
.ins-grid{display:grid;gap:24px}
@media (min-width:700px){.ins-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:1100px){.ins-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
.ins-empty{padding:48px 24px;border:1px dashed var(--line);border-radius:16px;text-align:center;background:var(--paper)}
.ins-empty p{margin:10px auto 0;max-width:520px;color:var(--ink-500)}
.ins-empty .ins-empty-actions{margin-top:22px;display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.ins-tools{margin-top:56px;padding:32px;border-radius:20px;background:var(--petrol-800);color:rgba(255,255,255,.86);display:grid;gap:24px;align-items:center}
.ins-tools .eyebrow{color:var(--mint-300)}
.ins-tools .h3{margin-top:10px;color:#fff}
.ins-tools p{margin-top:10px;max-width:620px}
@media (min-width:900px){.ins-tools{grid-template-columns:1fr auto;padding:40px 48px}}

/* ---------- Footer: columns, address, legal links ---------- */
.ftr .wrap.ftr-wrap{display:block}
.ftr-grid{display:grid;gap:32px 24px;padding-block:24px 32px;grid-template-columns:repeat(2,minmax(0,1fr))}
.ftr-brand{grid-column:1/-1}
@media (min-width:900px){.ftr-grid{grid-template-columns:minmax(0,1.6fr) repeat(4,minmax(0,1fr));gap:32px}.ftr-brand{grid-column:auto}}
.ftr-name{font-family:var(--f-head);font-weight:600;font-size:20px;color:#fff}
.ftr-brand p:not(.ftr-name){margin-top:10px;max-width:380px;line-height:1.6}
.ftr address{margin-top:14px;font-style:normal;line-height:1.7}
.ftr a{color:rgba(255,255,255,.78);transition:color .15s var(--ease)}
.ftr a:hover{color:var(--amber-400)}
.ftr .socials{margin-top:16px}
.ftr-col{display:flex;flex-direction:column;gap:10px}
.ftr-h{margin-bottom:4px;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--mint-300)}
.ftr-bottom{display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);font-size:13px}
.nf-search{margin-top:28px;display:flex;gap:10px;max-width:560px}
.nf-search input{flex:1;min-width:0;height:52px;padding:0 16px;border-radius:12px;border:1px solid rgba(255,255,255,.3);background:#fff;font:inherit;font-size:16px;color:var(--ink-700)}
.ins-thumb picture{display:block;width:100%;height:100%}

/* ---------- Embeddable calculators (?embed=1) ---------- */
.embed-credit{display:none}
.is-embed .embed-credit{display:block;padding:10px 16px;background:var(--petrol-800);font-size:13.5px;text-align:center}
.is-embed .embed-credit a{color:#fff}
.is-embed .embed-credit strong{color:var(--amber-400)}
.is-embed .hdr,.is-embed .ftr,.is-embed .mbar,.is-embed .cta-band,.is-embed .tool-related,.is-embed .tool-faq,.is-embed .crumbs,.is-embed .tool-badges,.is-embed .skip{display:none !important}
.is-embed .tool-hero{padding-block:28px 24px}
.is-embed .tool-hero .answer{display:none}
.tool-embed{margin-top:32px;padding:18px 20px;border:1px solid var(--line);border-radius:14px;background:var(--paper)}
.tool-embed summary{cursor:pointer;font-weight:600;color:var(--petrol-800)}
.tool-embed p{margin-top:10px;color:var(--ink-500);font-size:15px}
.tool-embed textarea{margin-top:12px;width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;background:var(--sand-50);font:13px/1.5 ui-monospace,SFMono-Regular,Menlo,monospace;color:var(--ink-700);resize:vertical}
/* ---------- Marathi / Hindi: Devanagari glyphs from Noto Sans Devanagari (OFL), Latin unchanged ---------- */
@font-face{font-family:'Bricolage Grotesque';font-style:normal;font-weight:500 600;font-display:swap;src:url(/assets/fonts/noto-sans-devanagari.woff2) format('woff2');unicode-range:U+0900-097F,U+1CD0-1CF9,U+200C-200D,U+20F0,U+25CC,U+A830-A839,U+A8E0-A8FF}
@font-face{font-family:'Public Sans';font-style:normal;font-weight:400 700;font-display:swap;src:url(/assets/fonts/noto-sans-devanagari.woff2) format('woff2');unicode-range:U+0900-097F,U+1CD0-1CF9,U+200C-200D,U+20F0,U+25CC,U+A830-A839,U+A8E0-A8FF}
html:lang(mr) body,html:lang(hi) body{line-height:1.75}
html:lang(mr) body *,html:lang(hi) body *{letter-spacing:normal !important}
html:lang(mr) h1,html:lang(hi) h1,html:lang(mr) h2,html:lang(hi) h2,html:lang(mr) h3,html:lang(hi) h3{line-height:1.35}
/* Language switcher */
.lang-switch{display:none;align-items:center;gap:2px;padding:3px;border:1px solid var(--line);border-radius:12px;background:#fff}
.lang-switch a{padding:6px 9px;border-radius:9px;font-size:13.5px;font-weight:600;line-height:1.2;color:var(--ink-500)}
.lang-switch a:hover{color:var(--petrol-800);background:rgba(0,62,78,.06)}
.lang-switch a.is-current{background:var(--petrol-800);color:#fff}
@media (min-width:600px){.lang-switch{display:inline-flex}}
@media (min-width:1024px) and (max-width:1279px){.lang-switch a{padding:6px 7px}}
.mnav-langs{display:flex;gap:8px;padding:12px 0}
.mnav-langs a{flex:1;text-align:center;padding:10px;border:1px solid var(--line);border-radius:10px;font-weight:600}
.mnav-langs a.is-current{background:var(--petrol-800);border-color:var(--petrol-800);color:#fff}
.mnav-langs a{justify-content:center}
@media (min-width:1024px) and (max-width:1439px){.hdr-phone{display:none}}

/* ---------- Loan document checklists ---------- */
.ck-actions .btn .ic{transform:rotate(90deg)}
.ck-note{color:var(--ink-500);font-size:15px}
.ck-count{display:inline-block;margin-left:6px;padding:2px 10px;border-radius:999px;background:var(--teal-50);color:var(--teal-600);font-weight:700;font-size:13px}
.ck-brand-print{display:none}
.ck-group{margin:28px 0 0;padding:0;border:0}
.ck-group legend{display:flex;align-items:center;gap:12px;padding:0;font-family:var(--f-head);font-weight:600;font-size:21px;color:var(--petrol-800)}
.ck-num{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:10px;background:var(--petrol-800);color:#fff;font-size:14px}
.ck-group ul{list-style:none;margin:14px 0 0;padding:0;border:1px solid var(--line);border-radius:14px;background:var(--paper);overflow:hidden}
.ck-group li+li{border-top:1px solid var(--line)}
.ck-group label{display:flex;gap:14px;align-items:flex-start;padding:14px 18px;cursor:pointer}
.ck-group input{position:absolute;opacity:0;width:1px;height:1px}
.ck-box{flex:none;width:22px;height:22px;margin-top:2px;border:2px solid var(--teal-500);border-radius:6px;background:#fff;transition:background-color .15s var(--ease)}
.ck-group input:checked+.ck-box{background:var(--teal-500) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/16px no-repeat}
.ck-group input:focus-visible+.ck-box{outline:3px solid rgba(11,113,124,.35);outline-offset:2px}
.ck-group input:checked~.ck-t{color:var(--ink-500);text-decoration:line-through;text-decoration-color:rgba(70,98,106,.5)}
.ck-t{color:var(--ink-700);line-height:1.5}
.ck-t small{display:block;margin-top:3px;font-size:13.5px;color:var(--ink-500)}
.ck-tips{margin-top:36px}
.ck-related{margin-top:36px;display:grid;gap:16px}
@media (min-width:700px){.ck-related{grid-template-columns:repeat(2,minmax(0,1fr))}}
.ck-related .card{padding:22px 24px}
@media print{
  .hdr,.mbar,.ftr,.cta-band,.ck-actions,.ck-related,.crumbs,.skip,.ck-note{display:none !important}
  body{background:#fff}
  .ck-hero{padding:0 0 8pt !important;background:#fff !important;color:#000 !important}
  .ck-hero h1{font-size:20pt;color:#000}.ck-hero .answer{color:#222;font-size:10.5pt}.ck-hero .eyebrow{color:#0B717C}
  .ck-brand-print{display:block;font-size:9pt;color:#444;border-bottom:1px solid #999;padding-bottom:4pt;margin-bottom:6pt}
  .ck-sec{padding:0 !important}
  .ck-group{break-inside:avoid;margin-top:12pt}
  .ck-group legend{font-size:12.5pt}.ck-num{width:20pt;height:20pt;font-size:9pt;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .ck-group ul{border-color:#bbb;border-radius:6pt}.ck-group label{padding:5pt 8pt;gap:8pt}.ck-group li+li{border-color:#ddd}
  .ck-box{width:11pt;height:11pt;border:1.2pt solid #333;border-radius:2pt;background:#fff !important}
  .ck-t{font-size:10pt;color:#000;text-decoration:none !important}.ck-t small{font-size:8.5pt;color:#444}
  .ck-tips{break-inside:avoid;margin-top:12pt;background:#f4f7f7 !important;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .ck-tips li{font-size:9.5pt}
  .sources{font-size:8.5pt}
  a[href^="http"]:after{content:none !important}
}