/* C4D Mortgage brand: Poppins (+ Noto Sans Gujarati / Devanagari); orange #F37020, orange-deep #D45F12, navy #1B2A41,
   ink #24292F, ink-soft #5B6470, paper #FFFFFF, paper-2 #F6F7F9, line #E2E6EB */
:root{
  --orange:#F37020; --orange-deep:#D45F12; --navy:#1B2A41; --ink:#24292F; --ink-soft:#5B6470;
  --paper:#FFFFFF; --paper-2:#F6F7F9; --line:#E2E6EB; --ok:#1E8E5A; --warn:#C98A00; --bad:#C0392B;
  --ok-bg:#E8F6EE; --warn-bg:#FFF6E0; --bad-bg:#FBEAE7;
  box-sizing:border-box; padding-top:env(safe-area-inset-top,0px); padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme: dark){ :root:not([data-theme="light"]){
  color-scheme:dark; --navy:#0F1826; --ink:#E8ECF1; --ink-soft:#A3ADBA; --paper:#121A26; --paper-2:#1A2434; --line:#2B3747;
  --ok-bg:#163525; --warn-bg:#3A2E10; --bad-bg:#3B1F1B; }}
:root[data-theme="dark"]{ color-scheme:dark; --navy:#0F1826; --ink:#E8ECF1; --ink-soft:#A3ADBA; --paper:#121A26; --paper-2:#1A2434; --line:#2B3747; --ok-bg:#163525; --warn-bg:#3A2E10; --bad-bg:#3B1F1B; }
html{scroll-padding-top:calc(118px + env(safe-area-inset-top,0px));scroll-behavior:smooth}
*,*::before,*::after{box-sizing:inherit}
body{margin:0;background:var(--paper);color:var(--ink);font:400 16px/1.6 Poppins,"Noto Sans Gujarati","Noto Sans Devanagari","Segoe UI",system-ui,sans-serif;-webkit-font-smoothing:antialiased}
html[lang=gu] body{font-family:"Noto Sans Gujarati",Poppins,sans-serif;line-height:1.7}
html[lang=hi] body{font-family:"Noto Sans Devanagari",Poppins,sans-serif;line-height:1.7}
a{color:var(--orange-deep)}
h1,h2,h3{margin:0;line-height:1.2}
h1{font-size:clamp(26px,4vw,40px);font-weight:600;letter-spacing:-.01em}
h2{font-size:22px;font-weight:600}
h3{font-size:16px;font-weight:600}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:10;background:var(--paper)}

/* header + sticky section bar (the worksheet body moves its <nav> into #navslot) */
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:9;background:var(--paper);border-bottom:4px solid var(--orange)}
.top .bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{height:42px;width:auto}
.wordmark{font-weight:700;font-size:21px;color:var(--orange);letter-spacing:.02em;font-family:Poppins,sans-serif}
.wordmark small{display:block;font-size:12px;font-weight:500;color:var(--ink-soft);letter-spacing:0}
.lang{display:flex;gap:4px;background:var(--paper-2);border:1px solid var(--line);border-radius:999px;padding:3px}
.lang button{font:inherit;font-size:13.5px;font-weight:500;border:0;background:transparent;color:var(--ink-soft);padding:6px 12px;border-radius:999px;cursor:pointer}
.lang button[aria-pressed=true]{background:var(--orange);color:#fff}
.nav{display:flex;gap:4px;overflow-x:auto;padding-bottom:8px;scrollbar-width:none}
.nav::-webkit-scrollbar{display:none}
.nav a{white-space:nowrap;font-size:13.5px;font-weight:500;color:var(--ink-soft);text-decoration:none;padding:6px 11px;border-radius:999px}
.nav a.on,.nav a:hover{background:var(--paper-2);color:var(--orange-deep)}
.who{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;font-size:13.5px;color:var(--ink-soft);padding-top:8px;padding-bottom:8px;border-bottom:1px solid var(--line)}
.who:empty{display:none}

/* hero */
.hero{background:var(--navy);color:#fff;padding:34px 0 30px}
.hero .wrap{display:grid;grid-template-columns:1.3fr 1fr;gap:28px;align-items:end}
.hero p.lead{margin:12px 0 0;font-size:16.5px;color:#C9D3E0;max-width:62ch}
.kicker{font-size:14px;color:#F9B98A;margin-bottom:8px;font-weight:500}
.lo{margin-top:16px;display:flex;align-items:center;gap:12px;font-size:13px;color:#C9D3E0}
.lo b{display:block;color:#fff;font-size:15px}
.lo img{width:48px;height:48px;border-radius:50%;object-fit:cover;object-position:50% 20%;border:3px solid var(--orange);background:#2A3A52}
.verdict{background:rgba(255,255,255,.06);border-left:4px solid var(--orange);padding:18px 20px;border-radius:0 8px 8px 0}
.verdict .v-title{font-size:13px;color:#C9D3E0;margin-bottom:6px}
.verdict .v-big{font-size:24px;font-weight:600;line-height:1.25}
.verdict .v-sub{margin-top:8px;font-size:14px;color:#C9D3E0}

/* at a glance */
.glance{display:grid;grid-template-columns:1fr 1.4fr;gap:22px;padding:30px 0 6px}
.toc{background:var(--paper-2);border:1px solid var(--line);border-radius:12px;padding:18px 20px}
.toc ol{margin:8px 0 0;padding-left:22px}
.toc li{margin:7px 0;font-size:15px}
.toc a{text-decoration:none;color:var(--ink);font-weight:500}
.toc a:hover{color:var(--orange-deep)}
.toc li small{display:block;color:var(--ink-soft);font-size:13px;font-weight:400}
.summary{border:1px solid var(--line);border-left:4px solid var(--orange);border-radius:12px;padding:18px 22px}
.summary ul{margin:8px 0 0;padding-left:20px}
.summary li{margin:8px 0;font-size:15px}
.summary li b{color:var(--orange-deep)}

/* layout */
.main{display:grid;grid-template-columns:350px 1fr;gap:28px;padding:22px 0 60px;align-items:start}
.panel{position:sticky;top:calc(124px + env(safe-area-inset-top,0px));background:var(--paper-2);border:1px solid var(--line);border-radius:12px;padding:20px;max-height:calc(100vh - 140px);overflow:auto}
.panel h2{font-size:17px;margin-bottom:4px}
.panel .hint{font-size:13px;color:var(--ink-soft);margin:0 0 12px}
.ctl{margin:13px 0}
.ctl label{display:flex;justify-content:space-between;align-items:baseline;gap:8px;font-size:13.5px;font-weight:500;margin-bottom:6px}
.ctl label output{font-weight:600;color:var(--orange-deep);white-space:nowrap}
.ctl input[type=range]{width:100%;accent-color:var(--orange)}
.ctl select,.ctl input[type=number]{width:100%;font:inherit;font-size:14px;padding:8px 10px;border:1px solid var(--line);border-radius:8px;background:var(--paper);color:var(--ink)}
.ctl .chk{display:flex;gap:8px;align-items:flex-start;font-size:13.5px;font-weight:400;justify-content:flex-start}
.ctl .chk input{margin-top:4px;accent-color:var(--orange)}
.pill{display:inline-block;font-size:12px;padding:2px 9px;border-radius:999px;background:var(--paper);border:1px solid var(--line);color:var(--ink-soft);margin-left:6px}
details.more{margin-top:10px;font-size:13.5px}
details.more summary{cursor:pointer;color:var(--orange-deep);font-weight:500}

/* sections */
section{margin-bottom:34px}
.sec-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:12px;flex-wrap:wrap}
.sec-head p{margin:0;font-size:14px;color:var(--ink-soft)}
.card{border:1px solid var(--line);border-radius:12px;background:var(--paper);overflow:hidden}
.card .pad{padding:18px 20px}
table{width:100%;border-collapse:collapse;font-size:14.5px}
th,td{padding:9px 10px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{font-weight:600;color:var(--ink-soft);font-size:13px}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
tr.total td{font-weight:600;border-top:2px solid var(--ink);border-bottom:none;background:var(--paper-2)}
tr.sub td{color:var(--ink-soft);font-size:13.5px}
.tbl-scroll{overflow-x:auto}
.status{display:inline-flex;align-items:center;gap:8px;font-weight:600;padding:6px 12px;border-radius:8px;font-size:14px}
.status.ok{background:var(--ok-bg);color:var(--ok)} .status.warn{background:var(--warn-bg);color:var(--warn)} .status.bad{background:var(--bad-bg);color:var(--bad)}
.dti-wrap{margin:14px 0 6px}
.dti-bar{position:relative;height:28px;background:var(--paper-2);border-radius:6px;overflow:hidden;border:1px solid var(--line)}
.dti-fill{position:absolute;left:0;top:0;bottom:0;background:var(--orange);transition:width .25s}
.dti-mark{position:absolute;top:0;bottom:0;width:2px;background:var(--ink)}
.dti-mark span{position:absolute;top:30px;left:-34px;width:68px;text-align:center;font-size:11.5px;color:var(--ink-soft)}
.dti-legend{display:flex;justify-content:space-between;font-size:13px;color:var(--ink-soft);margin-top:30px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.callout{border-left:4px solid var(--orange);background:var(--paper-2);padding:14px 16px;border-radius:0 8px 8px 0;font-size:14.5px;margin-top:14px}
.callout b{color:var(--orange-deep)}
.cmp{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.cmp .opt{border:1px solid var(--line);border-radius:12px;padding:16px}
.cmp .opt h3{font-size:15px;margin-bottom:8px}
.cmp .opt .big{font-size:24px;font-weight:600;margin:4px 0}
.cmp .opt dl{margin:10px 0 0;font-size:13.5px}
.cmp .opt dl div{display:flex;justify-content:space-between;gap:8px;padding:4px 0;border-bottom:1px dashed var(--line)}
.cmp .opt dt{color:var(--ink-soft)} .cmp .opt dd{margin:0;font-weight:500;font-variant-numeric:tabular-nums}
.cmp .opt.best{border-color:var(--orange);box-shadow:0 0 0 2px rgba(243,112,32,.15)}
.notes li{margin:7px 0;font-size:14.5px}
.fine{font-size:12.5px;color:var(--ink-soft);line-height:1.55}
.totop{display:inline-block;margin-top:10px;font-size:13px;text-decoration:none}

/* sign-in, approval wait and consent card */
.gate{max-width:580px;margin:40px auto;background:var(--paper);color:var(--ink);border:1px solid var(--line);border-top:5px solid var(--orange);border-radius:14px;padding:26px}
.gate h2{margin-bottom:8px}
.gate p{font-size:14.5px;color:var(--ink-soft);margin:8px 0}
.gate ul{font-size:14px;margin:10px 0 14px;padding-left:20px}
.gate ul li{margin:4px 0}
.gate label{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;margin:12px 0}
.gate label input{margin-top:4px;accent-color:var(--orange)}
.gate input[type=text]{width:100%;font:inherit;padding:10px 12px;border:1px solid var(--line);border-radius:8px;background:var(--paper);color:var(--ink)}
.gate small{display:block;margin-top:12px}
.msg{font-size:14px;color:var(--ink-soft);margin-top:12px;min-height:1.5em}
.msg.bad{color:var(--bad)}
.btn{font:inherit;font-weight:600;background:var(--orange);color:#fff;border:0;border-radius:8px;padding:12px 18px;cursor:pointer;font-size:15px}
.btn:hover{background:var(--orange-deep)}
.btn:disabled{opacity:.45;cursor:not-allowed}
.btn.ghost{background:none;color:var(--ink);border:1px solid var(--line);padding:6px 12px;font-size:13px;font-weight:500}
.btn:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,.lang button:focus-visible,.nav a:focus-visible{outline:3px solid var(--orange);outline-offset:2px}

/* home page list */
.pages{list-style:none;padding:0;margin:0}
.pages li{border-left:4px solid var(--orange);background:var(--paper-2);padding:14px 18px;margin-bottom:12px;border-radius:0 8px 8px 0}
.pages a{font-size:18px;font-weight:600;text-decoration:none;color:var(--ink)}
.pages a:hover{color:var(--orange-deep)}

footer{border-top:1px solid var(--line);background:var(--paper-2);padding:26px 0 40px;font-size:13px;color:var(--ink-soft)}
footer .wrap{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:start}
footer b{color:var(--ink)}
footer .eho{display:flex;align-items:center;gap:10px}
footer .eho img{width:44px;height:44px}
footer .eho svg{width:44px;height:44px;fill:var(--ink-soft)}

@media (max-width:900px){
  .hero .wrap,.glance,.main,.grid2,.cmp{grid-template-columns:1fr}
  .panel{position:static;max-height:none}
  footer .wrap{grid-template-columns:1fr}
  html{scroll-padding-top:calc(110px + env(safe-area-inset-top,0px))}
}
@media (max-width:560px){ .brand img{height:34px} .lang button{padding:6px 9px} .gate{margin:24px auto;padding:20px} }
@media (prefers-reduced-motion: reduce){ *{transition:none!important} html{scroll-behavior:auto} }