:root {
      --navy:      #0f2444;
      --navy-mid:  #1a3c6e;
      --navy-light:#2a5298;
      --gold:      #c9952a;
      --gold-light:#f0c96b;
      --ivory:     #faf7f2;
      --ivory-dark:#f0ebe0;
      --white:     #ffffff;
      --ink:       #1a1a2e;
      --ink-mid:   #3d3d5c;
      --ink-light: #6b6b8a;
      --green:     #0a6644;
      --green-bg:  #eaf6f0;
      --red:       #b81a1a;
      --red-bg:    #fdf0f0;
      --border:    #ddd8cc;
      --shadow-sm: 0 2px 12px rgba(15,36,68,.08);
      --shadow-md: 0 8px 32px rgba(15,36,68,.13);
      --shadow-lg: 0 20px 60px rgba(15,36,68,.18);
      --radius:    12px;
      --radius-sm: 6px;
    }

    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; font-size: 16px; }
    body { font-family: 'DM Sans', sans-serif; background: var(--ivory); color: var(--ink); line-height: 1.75; -webkit-font-smoothing: antialiased; }
    ::-webkit-scrollbar { width: 5px; }
    ::-webkit-scrollbar-track { background: var(--ivory-dark); }
    ::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 3px; }
    ::selection { background: var(--gold-light); color: var(--navy); }

    /* Progress */
    #progress-bar { position: fixed; top: 0; left: 0; height: 3px; width: 0%; background: linear-gradient(90deg, var(--gold), var(--gold-light)); z-index: 9999; transition: width .1s linear; }

    /* Nav */
    .site-nav { position: sticky; top: 0; z-index: 100; background: rgba(15,36,68,.97); backdrop-filter: blur(12px); border-bottom: 1px solid rgba(201,149,42,.3); padding: 0 clamp(20px,5vw,80px); display: flex; align-items: center; justify-content: space-between; height: 64px; }
    .nav-brand { font-family: 'Playfair Display', serif; font-size: 1.1rem; font-weight: 700; color: var(--gold-light); text-decoration: none; }
    .nav-links { display: flex; gap: 24px; }
    .nav-links a { font-size: .78rem; font-weight: 500; letter-spacing: .08em; color: rgba(255,255,255,.65); text-decoration: none; text-transform: uppercase; transition: color .2s; }
    .nav-links a:hover { color: var(--gold-light); }

    /* Hero */
    .hero { background: var(--navy); background-image: radial-gradient(ellipse 80% 60% at 70% 40%, rgba(42,82,152,.5) 0%, transparent 60%), radial-gradient(ellipse 50% 80% at 10% 80%, rgba(201,149,42,.12) 0%, transparent 50%); padding: clamp(60px,10vw,120px) clamp(20px,5vw,80px) clamp(60px,8vw,100px); position: relative; overflow: hidden; }
    .hero::before { content: ''; position: absolute; inset: 0; background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23c9952a' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E"); pointer-events: none; }
    .hero-inner { width: 100%; position: relative; }
    .hero-breadcrumb { display: flex; align-items: center; gap: 8px; font-size: .73rem; letter-spacing: .1em; text-transform: uppercase; color: var(--gold); font-weight: 500; margin-bottom: 20px; }
    .hero-breadcrumb a { color: var(--gold); text-decoration: none; }
    .hero-breadcrumb span { color: rgba(255,255,255,.35); }
    .hero-label { display: inline-flex; align-items: center; gap: 8px; background: rgba(201,149,42,.15); border: 1px solid rgba(201,149,42,.3); color: var(--gold-light); font-size: .73rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; padding: 5px 14px; border-radius: 20px; margin-bottom: 20px; }
    .hero-label::before { content:''; width:6px; height:6px; background:var(--gold); border-radius:50%; animation: pulse 2s infinite; }
    @keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.5;transform:scale(1.4)} }
    .hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(1.9rem, 4.5vw, 3.2rem); font-weight: 900; line-height: 1.15; color: var(--white); margin-bottom: 22px; letter-spacing: -.01em; text-align:center; }
    .hero h1 em { color: var(--gold-light); font-style: normal; }
    .hero-meta { display: flex; flex-wrap: wrap; gap: 18px; margin-bottom: 28px; }
    .hero-meta-item { display: flex; align-items: center; gap: 7px; font-size: .8rem; color: rgba(255,255,255,.55); }
    .tldr-box { background: rgba(201,149,42,.12); border: 1px solid rgba(201,149,42,.35); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 20px 24px; }
    .tldr-box .tldr-head { font-size: .7rem; font-weight: 700; letter-spacing: .12em; color: var(--gold); text-transform: uppercase; margin-bottom: 8px; }
    .tldr-box p { font-size: .9rem; color: rgba(255,255,255,.82); line-height: 1.7; }

    /* Layout */
    .layout {
    max-width: 1200px;
    margin: 0 auto;
    padding: clamp(40px,6vw,70px) clamp(20px,4vw,30px);
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: 34px;
    align-items: start;
}
    @media(max-width:900px){ .layout{ grid-template-columns:1fr; } .sidebar{ display:none; } }

    /* Sidebar */
    .sidebar { position: sticky; top: 84px; }
    .toc-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
    .toc-head { background: var(--navy); padding: 14px 18px; font-size: .7rem; font-weight: 700; letter-spacing: .12em; color: var(--gold-light); text-transform: uppercase; }
    .toc-list a { display: block; padding: 9px 18px; font-size: .8rem; color: var(--ink-mid); text-decoration: none; border-left: 2px solid transparent; transition: all .2s; line-height: 1.4; }
    .toc-list a:hover, .toc-list a.active { color: var(--navy-mid); border-left-color: var(--gold); background: rgba(201,149,42,.06); padding-left: 22px; }
    .emi-widget { margin-top: 22px; background: var(--navy); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-md); }
    .emi-widget h3 { font-family: 'Playfair Display', serif; font-size: .95rem; color: var(--gold-light); margin-bottom: 14px; }
    .emi-field { margin-bottom: 12px; }
    .emi-field label { display: block; font-size: .72rem; color: rgba(255,255,255,.55); margin-bottom: 4px; letter-spacing:.04em; }
    .emi-field input { width: 100%; padding: 9px 11px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15); border-radius: var(--radius-sm); color: white; font-size: .88rem; font-family: 'DM Mono', monospace; outline: none; transition: border-color .2s; }
    .emi-field input:focus { border-color: var(--gold); }
    .emi-btn { width: 100%; padding: 11px; background: linear-gradient(135deg, var(--gold), var(--gold-light)); color: var(--navy); font-weight: 700; font-size: .83rem; border: none; border-radius: var(--radius-sm); cursor: pointer; transition: opacity .2s; letter-spacing: .04em; }
    .emi-btn:hover { opacity: .88; }
    .emi-result { margin-top: 12px; padding: 14px; background: rgba(255,255,255,.06); border-radius: var(--radius-sm); display: none; }
    .emi-result.show { display: block; }
    .emi-amount { font-family: 'DM Mono', monospace; font-size: 1.35rem; color: var(--gold-light); font-weight: 500; }
    .emi-label { font-size: .7rem; color: rgba(255,255,255,.45); margin-top: 2px; }
    .emi-sub { font-size: .76rem; color: rgba(255,255,255,.55); margin-top: 10px; line-height: 1.65; }

    /* Typography */
    .article-body h2 { font-family: 'Playfair Display', serif; font-size: clamp(1.35rem, 2.8vw, 1.8rem); font-weight: 700; color: var(--navy); margin: 54px 0 14px; line-height: 1.25; padding-top: 18px; border-top: 2px solid var(--ivory-dark); scroll-margin-top: 84px; }
    .article-body h2:first-of-type { margin-top: 0; border-top: none; padding-top: 0; }
    .article-body h3 { font-family: 'DM Sans', sans-serif; font-size: 1.05rem; font-weight: 600; color: var(--navy-mid); margin: 30px 0 9px; display: flex; align-items: center; gap: 10px; }
    .article-body h3::before { content: ''; display: inline-block; width: 16px; height: 3px; background: var(--gold); border-radius: 2px; flex-shrink: 0; }
    .article-body p { font-size: .97rem; color: var(--ink-mid); line-height: 1.8; margin-bottom: 16px; }
    .article-body p strong { color: var(--navy); font-weight: 600; }
    .article-body p a { color: var(--navy-mid); text-underline-offset: 3px; }
    .article-body p a:hover { color: var(--gold); }
    .meta-note { font-size: .83rem !important; color: var(--ink-light) !important; font-style: italic; }

    /* Callouts */
    .callout { border-radius: var(--radius); padding: 18px 22px; margin: 24px 0; border-left: 4px solid; }
    .callout-head { font-size: .76rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 8px; }
    .callout p { margin: 0; font-size: .91rem; line-height: 1.7; }
    .callout-tip   { background: #fdf8ec; border-color: var(--gold);  } .callout-tip   .callout-head { color: var(--gold); }
    .callout-info  { background: #eef3fb; border-color: var(--navy-mid); } .callout-info  .callout-head { color: var(--navy-mid); }
    .callout-warn  { background: var(--red-bg); border-color: var(--red); } .callout-warn  .callout-head { color: var(--red); }
    .callout-green { background: var(--green-bg); border-color: var(--green); } .callout-green .callout-head { color: var(--green); }

    /* Tables */
    .table-wrap { overflow-x: auto; margin: 22px 0; border-radius: var(--radius); box-shadow: var(--shadow-sm); }
    table { width: 100%; border-collapse: collapse; font-size: .87rem; }
    caption { caption-side: top; text-align: left; font-size: .78rem; color: var(--ink-light); padding-bottom: 8px; font-style: italic; }
    thead tr { background: var(--navy); }
    thead th { padding: 12px 15px; text-align: left; color: var(--white); font-weight: 600; letter-spacing: .04em; font-size: .78rem; text-transform: uppercase; }
    tbody tr { border-bottom: 1px solid var(--border); transition: background .15s; }
    tbody tr:hover { background: rgba(201,149,42,.05); }
    tbody tr:nth-child(even) { background: var(--ivory); }
    tbody tr:nth-child(even):hover { background: rgba(201,149,42,.05); }
    tbody td { padding: 11px 15px; color: var(--ink-mid); line-height: 1.5; }
    tbody td:first-child { font-weight: 500; color: var(--navy); }
    .highlight-row td { background: rgba(201,149,42,.09) !important; font-weight: 600; }

    /* Image placeholders */
    .img-placeholder { background: linear-gradient(135deg, var(--ivory-dark), #e8e0d0); border: 2px dashed var(--border); border-radius: var(--radius); padding: 20px 20px; text-align: center; margin: 26px 0; }
				.img-placeholder img{ width:100%;}
				
    .img-placeholder .img-icon { font-size: 2.2rem; margin-bottom: 10px; }
    .img-placeholder .img-alt { font-family: 'DM Mono', monospace; font-size: .73rem; color: var(--ink-light); background: white; display: inline-block; padding: 3px 10px; border-radius: 4px; margin-bottom: 7px; }
    .img-placeholder .img-caption { font-size: .8rem; color: var(--ink-light); }

    /* Lists */
    .article-body ol, .article-body ul { padding-left: 0; margin: 14px 0 22px; list-style: none; }
    .article-body ul li { display: flex; gap: 11px; margin-bottom: 9px; font-size: .93rem; color: var(--ink-mid); line-height: 1.65; }
    .article-body ul li::before { content: '●'; color: var(--gold); font-size: .52rem; flex-shrink: 0; margin-top: 9px; }

    /* Steps */
    .steps { margin: 22px 0; }
    .step { display: flex; gap: 18px; margin-bottom: 4px; position: relative; }
    .step:not(:last-child)::after { content: ''; position: absolute; left: 18px; top: 40px; width: 2px; height: calc(100% + 4px); background: linear-gradient(to bottom, var(--navy-light), transparent); }
    .step-num { min-width: 38px; height: 38px; background: var(--navy); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .83rem; flex-shrink: 0; box-shadow: 0 4px 12px rgba(26,60,110,.3); }
    .step-body { padding: 6px 0 22px; }
    .step-body strong { display: block; color: var(--navy); font-size: .93rem; margin-bottom: 3px; }
    .step-body span { font-size: .86rem; color: var(--ink-light); line-height: 1.6; }

    /* Checklist */
    .checklist { display: grid; grid-template-columns: 1fr 1fr; gap: 9px; margin: 14px 0; }
    @media(max-width:600px){ .checklist{ grid-template-columns:1fr; } }
    .check-item { display: flex; align-items: flex-start; gap: 9px; font-size: .84rem; color: var(--ink-mid); line-height: 1.5; }
    .check-item::before { content: '✓'; min-width: 19px; height: 19px; background: var(--green); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: .62rem; font-weight: 700; flex-shrink: 0; margin-top: 1px; }

    /* FAQ */
    .faq { margin: 22px 0; }
    .faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 10px; overflow: hidden; box-shadow: var(--shadow-sm); transition: box-shadow .2s; }
    .faq-item:hover { box-shadow: var(--shadow-md); }
    .faq-q { padding: 17px 20px; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 14px; background: var(--white); transition: background .2s; }
    .faq-q:hover { background: var(--ivory); }
    .faq-q span { font-weight: 600; font-size: .93rem; color: var(--navy); line-height: 1.4; }
    .faq-icon { min-width: 26px; height: 26px; background: var(--ivory-dark); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.1rem; color: var(--gold); transition: transform .3s, background .2s; }
    .faq-item.open .faq-icon { transform: rotate(45deg); background: var(--gold); color: white; }
    .faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .35s ease; background: var(--ivory); border-top: 1px solid transparent; }
    .faq-item.open .faq-a { max-height: 280px; padding: 15px 20px; border-top-color: var(--border); }
    .faq-a p { font-size: .88rem; color: var(--ink-mid); margin: 0; line-height: 1.75; }

    /* CTA */
    .cta-block { background: var(--navy); background-image: radial-gradient(ellipse 80% 80% at 100% 100%, rgba(42,82,152,.6) 0%, transparent 60%); border-radius: var(--radius); padding: 46px 38px; text-align: center; margin: 38px 0; box-shadow: var(--shadow-lg); }
    .cta-block h2 { font-family: 'Playfair Display', serif; font-size: 1.7rem; color: var(--white); margin-bottom: 12px; border: none; padding: 0; }
    .cta-block p { color: rgba(255,255,255,.72); font-size: .93rem; margin-bottom: 26px; }
    .cta-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
    .btn-primary { padding: 12px 26px; background: linear-gradient(135deg, var(--gold), var(--gold-light)); color: var(--navy); font-weight: 700; font-size: .88rem; border: none; border-radius: var(--radius-sm); cursor: pointer; text-decoration: none; transition: transform .2s, box-shadow .2s; letter-spacing: .02em; }
    .btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,149,42,.4); }
    .btn-secondary { padding: 12px 26px; background: transparent; color: var(--white); font-weight: 600; font-size: .88rem; border: 1px solid rgba(255,255,255,.28); border-radius: var(--radius-sm); cursor: pointer; text-decoration: none; transition: all .2s; }
    .btn-secondary:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.55); }

    /* SEO meta box */
    .seo-meta-section { background: var(--navy); border-radius: var(--radius); padding: 26px; margin: 44px 0 0; }
    .seo-meta-section .seo-title { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); font-weight: 700; margin-bottom: 14px; }
    .seo-row { display: flex; gap: 0; border-bottom: 1px solid rgba(255,255,255,.07); }
    .seo-row:last-child { border-bottom: none; }
    .seo-key { min-width: 150px; padding: 9px 14px 9px 0; font-size: .73rem; font-weight: 600; letter-spacing: .06em; color: rgba(255,255,255,.4); text-transform: uppercase; }
    .seo-val { padding: 9px 0; font-size: .83rem; color: rgba(255,255,255,.78); font-family: 'DM Mono', monospace; line-height: 1.5; }

    /* Footer */
    footer { background: var(--navy); color: rgba(255,255,255,.45); text-align: center; padding: 30px 20px; font-size: .8rem; border-top: 1px solid rgba(255,255,255,.07); }
    footer a { color: var(--gold); text-decoration: none; }

    /* Animations */
    .fade-up { opacity: 0; transform: translateY(24px); transition: opacity .55s ease, transform .55s ease; }
    .fade-up.visible { opacity: 1; transform: translateY(0); }

    @media(max-width:640px){
      .hero h1 { font-size: 1.65rem; }
      .cta-block { padding: 30px 22px; }
      .cta-block h2 { font-size: 1.3rem; }
      .nav-links { display: none; }
    }