/* Housofai Finance — design tokens and site styles.
   Red = brand and action. Marigold = savings only. Ink on white for reading. */
:root {
  --red: #D22A12;
  --red-deep: #A81F0B;
  --red-tint: #FBEAE6;
  --ink: #1F1B2D;
  --ink-2: #4A4659;
  --ink-3: #6E6A7C;
  --paper: #FFFFFF;
  --mist: #EEF1F4;
  --line: #DCE1E7;
  --marigold: #E9A100;
  --marigold-tint: #FDF3D9;
  --ok: #1E7A4B;
  --warn: #B42318;
  --display: "Anek Latin", "Mukta", system-ui, sans-serif;
  --body: "Mukta", system-ui, -apple-system, "Segoe UI", sans-serif;
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 22px;
  --wrap: 1160px;
  --focus: 0 0 0 3px #fff, 0 0 0 5px var(--red);
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
body { margin: 0; background: var(--paper); color: var(--ink); font: 400 17px/1.6 var(--body); }
img, svg { max-width: 100%; }
a { color: var(--red-deep); text-underline-offset: 3px; }
a:hover { color: var(--red); }
:focus-visible { outline: none; box-shadow: var(--focus); border-radius: 6px; }
h1, h2, h3 { font-family: var(--display); color: var(--ink); margin: 0; font-weight: 700; }
h1 { font-size: clamp(2.5rem, 6vw, 4.6rem); line-height: 1.0; letter-spacing: -0.02em; font-stretch: 112%; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); line-height: 1.08; letter-spacing: -0.015em; font-stretch: 108%; }
h3 { font-size: 1.3rem; line-height: 1.25; font-stretch: 104%; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.lede { font-size: 1.22rem; line-height: 1.55; color: var(--ink-2); max-width: 34em; }
.hi { font-family: var(--body); color: var(--ink-3); font-size: 1.02rem; }
.muted { color: var(--ink-3); }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 99; }
.skip:focus { left: 12px; }

/* ---------- header ---------- */
.top { position: sticky; top: 0; z-index: 30; background: rgba(255,255,255,.94); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid transparent; transition: border-color .2s; }
.top.scrolled { border-bottom-color: var(--line); }
.top .wrap { display: flex; align-items: center; gap: 24px; height: 72px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
.brand img { width: 36px; height: 36px; }
.brand b { font: 700 1.25rem/1 var(--display); font-stretch: 118%; letter-spacing: -0.01em; }
.brand span { font: 500 1.25rem/1 var(--display); font-stretch: 100%; color: var(--red); margin-left: 4px; }
.nav { display: flex; gap: 22px; margin-left: auto; align-items: center; }
.nav a { color: var(--ink-2); text-decoration: none; font-weight: 500; }
.nav a:hover { color: var(--red); }
.menu-btn { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: var(--r-sm); padding: 8px 12px; font: 600 15px var(--body); color: var(--ink); }
@media (max-width: 900px) {
  .menu-btn { display: inline-block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 72px; background: #fff; flex-direction: column; align-items: stretch; gap: 0; padding: 8px 20px 18px; border-bottom: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid var(--mist); }
  .nav .btn { margin-top: 10px; }
}

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 0 22px; border-radius: var(--r-md); border: 0; font: 600 1.02rem/1 var(--body); text-decoration: none; cursor: pointer; transition: background .15s, transform .1s; }
.btn:active { transform: translateY(1px); }
.btn-red { background: var(--red); color: #fff; }
.btn-red:hover { background: var(--red-deep); color: #fff; }
.btn-ink { background: var(--ink); color: #fff; }
.btn-ink:hover { background: #000; color: #fff; }
.btn-line { background: #fff; color: var(--ink); border: 1.5px solid var(--ink); }
.btn-line:hover { background: var(--ink); color: #fff; }
.btn-wa { background: #1F8F4E; color: #fff; }
.btn-wa:hover { background: #17733e; color: #fff; }
.btn[disabled] { opacity: .6; cursor: wait; }
.btn svg { width: 20px; height: 20px; flex: none; }
.nav .btn { min-height: 42px; padding: 0 16px; color: #fff; }

/* ---------- hero ---------- */
.hero { padding: 44px 0 72px; }
.hero .wrap { display: grid; gap: 48px; grid-template-columns: 1.05fr 1fr; align-items: center; }
@media (max-width: 960px) { .hero .wrap { grid-template-columns: 1fr; gap: 36px; } .hero { padding-top: 24px; } }
.hero h1 { margin: 0 0 22px; max-width: 11ch; }
.hero .lede { margin-bottom: 28px; }
.ctas { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 28px; }
.promises { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; color: var(--ink-2); }
.promises li { display: flex; gap: 10px; align-items: baseline; }
.promises li::before { content: ""; flex: none; width: 9px; height: 9px; border-radius: 50%; background: var(--red); transform: translateY(-1px); }

/* EMI ring calculator — the one memorable moment */
.ringcalc { background: var(--mist); border-radius: var(--r-lg); padding: 24px 26px; display: grid; gap: 14px; }
.ringcalc .chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { border: 1.5px solid var(--line); background: #fff; color: var(--ink-2); border-radius: 999px; padding: 6px 14px; font: 500 .95rem/1.3 var(--body); cursor: pointer; }
.chip[aria-pressed="true"] { border-color: var(--ink); background: var(--ink); color: #fff; }
.ring-stage { position: relative; width: min(100%, 320px); aspect-ratio: 1; margin: 0 auto; }
.ring-stage svg { width: 100%; height: 100%; display: block; }
.ring-stage .arc { fill: none; stroke-linecap: round; transition: stroke-dasharray .6s cubic-bezier(.2,.8,.2,1), stroke-dashoffset .6s cubic-bezier(.2,.8,.2,1); }
.ring-center { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; padding: 22%; }
.ring-center small { color: var(--ink-3); font-size: .95rem; }
.ring-center output { display: block; font: 700 clamp(2rem, 7vw, 2.9rem)/1.02 var(--display); font-stretch: 125%; letter-spacing: -0.02em; color: var(--ink); font-variant-numeric: tabular-nums; }
.ring-legend { display: flex; justify-content: center; gap: 18px; font-size: .95rem; color: var(--ink-2); flex-wrap: wrap; }
.ring-legend i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; }
.slider { display: grid; gap: 4px; }
.slider label { display: flex; justify-content: space-between; font-weight: 500; color: var(--ink-2); }
.slider label output { font: 700 1.02rem var(--display); font-stretch: 112%; color: var(--ink); font-variant-numeric: tabular-nums; }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 28px; background: transparent; }
input[type=range]::-webkit-slider-runnable-track { height: 6px; border-radius: 6px; background: linear-gradient(to right, var(--red) var(--p, 50%), #cfd5dc var(--p, 50%)); }
input[type=range]::-moz-range-track { height: 6px; border-radius: 6px; background: #cfd5dc; }
input[type=range]::-moz-range-progress { height: 6px; border-radius: 6px; background: var(--red); }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%; background: #fff; border: 3px solid var(--red); margin-top: -9px; box-shadow: 0 1px 3px rgba(31,27,45,.25); }
input[type=range]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: #fff; border: 3px solid var(--red); }
input[type=range]:focus-visible { box-shadow: none; }
input[type=range]:focus-visible::-webkit-slider-thumb { box-shadow: var(--focus); }
.calc-note { font-size: .9rem; color: var(--ink-3); margin: 0; }
.calc-foot { display: flex; gap: 12px; align-items: center; justify-content: space-between; flex-wrap: wrap; }

/* ---------- sections ---------- */
section.block { padding: 84px 0; }
section.block.tight { padding: 56px 0; }
section.mist { background: var(--mist); }
section.ink { background: var(--ink); color: #E9E7F0; }
section.ink h2, section.ink h3 { color: #fff; }
.head { display: grid; gap: 14px; margin-bottom: 40px; max-width: 46em; }
.head p { color: var(--ink-2); font-size: 1.12rem; margin: 0; }
section.ink .head p { color: #C9C5D6; }

/* Loans rate board */
.board { border-top: 2px solid var(--ink); }
.board a.row { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1.6fr) minmax(0, .9fr) auto; gap: 20px; align-items: center; padding: 20px 4px; border-bottom: 1px solid var(--line); color: var(--ink); text-decoration: none; }
.board a.row:hover { background: var(--red-tint); }
.board a.row:hover .go { background: var(--red); color: #fff; border-color: var(--red); }
.board .name { font: 700 1.28rem/1.2 var(--display); font-stretch: 108%; }
.board .who { color: var(--ink-2); }
.board .amt { font: 600 1.02rem var(--display); font-stretch: 112%; font-variant-numeric: tabular-nums; }
.board .go { border: 1.5px solid var(--line); border-radius: 999px; padding: 6px 14px; font-weight: 600; font-size: .95rem; white-space: nowrap; }
.board .hdr { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1.6fr) minmax(0, .9fr) auto; gap: 20px; padding: 12px 4px; color: var(--ink-3); font-size: .95rem; border-bottom: 1px solid var(--line); }
@media (max-width: 760px) {
  .board .hdr { display: none; }
  .board a.row { grid-template-columns: 1fr auto; gap: 4px 12px; }
  .board .who { grid-column: 1; font-size: .98rem; }
  .board .amt { grid-column: 1; color: var(--ink-3); font-size: .95rem; }
  .board .go { grid-column: 2; grid-row: 1 / span 3; align-self: center; }
}

/* Steps (a real sequence) */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; counter-reset: s; }
.steps li { counter-increment: s; border-top: 2px solid rgba(255,255,255,.25); padding-top: 18px; }
.steps li::before { content: counter(s); display: block; font: 700 3rem/1 var(--display); font-stretch: 125%; color: var(--red); margin-bottom: 10px; }
.steps h3 { margin-bottom: 8px; }
.steps p { color: #C9C5D6; margin: 0; }
@media (max-width: 900px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }

/* Savings calculator */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 28px; } }
.panel { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 26px; }
.fields { display: grid; gap: 16px; grid-template-columns: 1fr 1fr; }
.fields .full { grid-column: 1 / -1; }
@media (max-width: 520px) { .fields { grid-template-columns: 1fr; } }
.saving { background: var(--marigold-tint); border-radius: var(--r-md); padding: 20px 22px; margin-top: 20px; display: grid; gap: 6px; }
.saving .big { font: 700 clamp(2rem, 5vw, 2.8rem)/1 var(--display); font-stretch: 125%; color: var(--ink); font-variant-numeric: tabular-nums; }
.saving .bar { height: 8px; border-radius: 8px; background: rgba(233,161,0,.25); overflow: hidden; }
.saving .bar span { display: block; height: 100%; background: var(--marigold); width: 0; transition: width .5s; }

/* Forms */
label.f { display: grid; gap: 6px; font-weight: 600; font-size: .95rem; color: var(--ink); }
label.f .opt { font-weight: 400; color: var(--ink-3); }
.input, select.input, textarea.input { width: 100%; min-width: 0; font: 400 1.02rem/1.4 var(--body); color: var(--ink); background: #fff; border: 1.5px solid #C9D0D8; border-radius: var(--r-md); padding: 12px 14px; min-height: 50px; }
.input:focus { outline: none; border-color: var(--red); box-shadow: 0 0 0 3px rgba(210,42,18,.15); }
.input[aria-invalid="true"] { border-color: var(--warn); }
.prefix { display: flex; align-items: stretch; }
.prefix span { display: grid; place-items: center; padding: 0 12px; border: 1.5px solid #C9D0D8; border-right: 0; border-radius: var(--r-md) 0 0 var(--r-md); background: var(--mist); color: var(--ink-2); font-weight: 600; }
.prefix .input { border-radius: 0 var(--r-md) var(--r-md) 0; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; color: var(--ink-2); line-height: 1.45; }
.consent input { width: 20px; height: 20px; margin-top: 2px; flex: none; accent-color: var(--red); }
.err { color: var(--warn); font-size: .95rem; min-height: 1.2em; margin: 0; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
form.lead { display: grid; gap: 16px; }
.formcard { background: #fff; border-radius: var(--r-lg); padding: 28px; border: 1px solid var(--line); }
.done { text-align: left; display: grid; gap: 12px; }
.done .ref { font: 700 2.2rem/1 var(--display); font-stretch: 125%; color: var(--red); }

/* Multi-step apply */
.progress { display: flex; gap: 6px; margin-bottom: 22px; }
.progress span { flex: 1; height: 5px; border-radius: 5px; background: var(--line); transition: background .3s; }
.progress span.on { background: var(--red); }
.step[hidden] { display: none !important; }
.stepnav { display: flex; gap: 10px; justify-content: space-between; margin-top: 6px; }
.optgrid { display: grid; grid-template-columns: repeat(auto-fill, minmax(170px, 1fr)); gap: 10px; }
.opt input { position: absolute; opacity: 0; pointer-events: none; }
.opt span { display: block; border: 1.5px solid var(--line); border-radius: var(--r-md); padding: 12px 14px; font-weight: 600; cursor: pointer; background: #fff; height: 100%; }
.opt span small { display: block; font-weight: 400; color: var(--ink-3); }
.opt input:checked + span { border-color: var(--red); background: var(--red-tint); }
.opt input:focus-visible + span { box-shadow: var(--focus); }

/* Docs checklist */
.doclist { list-style: none; padding: 0; margin: 0; display: grid; gap: 0; border-top: 1px solid var(--line); }
.doclist li { border-bottom: 1px solid var(--line); }
.doclist label { display: grid; grid-template-columns: 28px 1fr; gap: 8px; padding: 12px 0; cursor: pointer; }
.doclist input { width: 19px; height: 19px; margin: 4px 0 0; accent-color: var(--red); }
.doclist input:checked + span { color: var(--ink-3); text-decoration: line-through; text-decoration-color: rgba(31,27,45,.35); }
.doclist .count { font-size: .92rem; color: var(--ink-3); padding-top: 12px; }
.doclist b { display: block; }

/* Honesty block */
.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.facts div { border-left: 3px solid var(--red); padding-left: 18px; }
.facts h3 { margin-bottom: 6px; }
.facts p { color: var(--ink-2); margin: 0; }
@media (max-width: 860px) { .facts { grid-template-columns: 1fr; } }

/* FAQ */
.faq { border-top: 2px solid var(--ink); max-width: 860px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 20px 40px 20px 0; position: relative; font: 600 1.15rem/1.35 var(--display); font-stretch: 104%; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 6px; top: 50%; width: 12px; height: 12px; border-right: 2px solid var(--ink); border-bottom: 2px solid var(--ink); transform: translateY(-70%) rotate(45deg); transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq details p { color: var(--ink-2); padding-right: 40px; }

/* Partner band */
.band { background: var(--red); color: #fff; border-radius: var(--r-lg); padding: 40px; display: grid; grid-template-columns: 1.4fr auto; gap: 28px; align-items: center; }
.band h2 { color: #fff; }
.band p { color: #FFE3DD; margin: 10px 0 0; font-size: 1.1rem; }
.band .btn { background: #fff; color: var(--red-deep); }
.band .btn:hover { background: var(--ink); color: #fff; }
@media (max-width: 760px) { .band { grid-template-columns: 1fr; padding: 28px; } }

/* Footer */
footer.site { background: var(--ink); color: #C9C5D6; padding: 56px 0 40px; font-size: .95rem; }
footer.site .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; }
footer.site a { color: #fff; text-decoration: none; }
footer.site a:hover { text-decoration: underline; color: #fff; }
footer.site ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
footer.site .brand { color: #fff; }
footer.site .brand span { color: #FF8A73; }
footer.site .legal { border-top: 1px solid rgba(255,255,255,.14); margin-top: 36px; padding-top: 20px; color: #A9A4BA; font-size: .88rem; }
@media (max-width: 760px) { footer.site .cols { grid-template-columns: 1fr; } }

/* Product page */
.p-hero { padding: 36px 0 64px; background: linear-gradient(180deg, var(--mist), #fff 80%); }
.p-hero .wrap { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: start; }
@media (max-width: 960px) { .p-hero .wrap { grid-template-columns: 1fr; gap: 28px; } }
.crumbs { font-size: .95rem; color: var(--ink-3); margin-bottom: 18px; }
.crumbs a { color: var(--ink-3); }
.p-hero h1 { font-size: clamp(2.3rem, 5.4vw, 4rem); margin-bottom: 18px; max-width: 14ch; }
.keyfacts { display: grid; grid-template-columns: repeat(3, auto); gap: 8px 28px; margin: 24px 0 0; padding: 18px 0 0; border-top: 1px solid var(--line); justify-content: start; }
.keyfacts dt { color: var(--ink-3); font-size: .9rem; }
.keyfacts dd { margin: 0; font: 700 1.15rem var(--display); font-stretch: 112%; }
@media (max-width: 520px) { .keyfacts { grid-template-columns: 1fr 1fr; } }
.twocol { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
@media (max-width: 860px) { .twocol { grid-template-columns: 1fr; gap: 28px; } }
ul.ticks { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
ul.ticks li { padding-left: 26px; position: relative; color: var(--ink-2); }
ul.ticks li::before { content: ""; position: absolute; left: 2px; top: .55em; width: 12px; height: 7px; border-left: 2.5px solid var(--red); border-bottom: 2.5px solid var(--red); transform: rotate(-45deg); }

/* Ad landing page */
.lp-top { padding: 18px 0; }
.lp-hero { padding: 10px 0 56px; }
.lp-hero .wrap { display: grid; grid-template-columns: 1fr 440px; gap: 48px; align-items: start; }
@media (max-width: 960px) { .lp-hero .wrap { grid-template-columns: 1fr; gap: 24px; } }
.sticky-wa { display: none; }
@media (max-width: 760px) {
  .sticky-wa { display: flex; position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 40; box-shadow: 0 6px 20px rgba(31,27,45,.25); }
  body.has-sticky { padding-bottom: 76px; }
}

/* Utility */
.mt0 { margin-top: 0; } .mb0 { margin-bottom: 0; }
.center { text-align: center; }
.stack-sm > * + * { margin-top: 10px; }