/* Nova Friend design system — "quiet fintech".
   Tokens first; --p (primary) and --a (accent) are overridden per request from admin-managed brand settings.
   Class names are stable contracts used by templates, tests and the mobile app's web views. */
:root{
  --p:#0b1f3a;--a:#d9a441;
  --ink:#101826;--ink-2:#334155;--muted:#66708a;--line:#e6e1d8;--line-2:#efebe3;
  --bg:#f7f5f0;--card:#ffffff;--surface-2:#fbfaf7;--accent-ink:#1f1300;
  --ok:#1b7f4b;--warn:#b26a00;--bad:#b42323;--info:#1e5fa8;
  --ok-bg:#e6f4ec;--warn-bg:#fdf3e1;--bad-bg:#fbe9e9;--info-bg:#e8f0fb;
  --r:16px;--r-sm:10px;--shadow:0 1px 2px rgba(16,24,38,.04),0 8px 24px -12px rgba(16,24,38,.18);--shadow-lg:0 2px 4px rgba(16,24,38,.05),0 24px 48px -20px rgba(16,24,38,.28);
  --font:"Manrope",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Noto Sans",sans-serif;--display:"Fraunces","Iowan Old Style","Palatino Linotype",Georgia,serif;
  --num:"Manrope",ui-sans-serif,system-ui,sans-serif;
}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:16px/1.6 var(--font);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
a{color:var(--p);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--ink)}img{max-width:100%}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}h1{font-family:var(--display);font-weight:700;font-size:clamp(1.9rem,4.4vw,3rem)}h2{font-family:var(--display);font-weight:600;font-size:clamp(1.35rem,2.4vw,1.75rem)}h3{font-size:1.08rem;font-weight:700}
p{margin:0 0 .8em}.num,.money,.stat .n{font-family:var(--num);font-variant-numeric:tabular-nums lining-nums;font-feature-settings:"tnum" 1}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}.g3{grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow);transition:box-shadow .18s ease,transform .18s ease}.card.tight{padding:14px 18px}a.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-1px)}
.muted{color:var(--muted)}.small{font-size:.9rem}.xs{font-size:.78rem}.right{text-align:right}.center{text-align:center}.mt{margin-top:18px}.mb{margin-bottom:18px}.row{display:flex;gap:12px;flex-wrap:wrap;align-items:center}.between{justify-content:space-between}
.eyebrow{font-size:.74rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--a);margin-bottom:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:12px;border:1px solid var(--p);background:var(--p);color:#fff;font-weight:700;font-size:.97rem;text-decoration:none;cursor:pointer;line-height:1.2;transition:transform .15s ease,box-shadow .15s ease,background .15s ease}.btn:hover{transform:translateY(-1px);box-shadow:0 10px 22px -12px rgba(11,31,58,.6);color:#fff}
.btn.secondary{background:#fff;color:var(--p)}.btn.accent{background:var(--a);border-color:var(--a);color:var(--accent-ink)}.btn.accent:hover{color:var(--accent-ink)}.btn.ghost{background:transparent;border-color:var(--line);color:var(--ink);box-shadow:none}.btn.ghost:hover{background:var(--surface-2);color:var(--ink)}.btn.danger{background:var(--bad);border-color:var(--bad)}.btn.sm{padding:8px 14px;font-size:.85rem;border-radius:10px}.btn.block{width:100%}.btn[disabled]{opacity:.55;cursor:not-allowed;transform:none;box-shadow:none}
header.top{background:rgba(255,255,255,.86);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}header.top .wrap{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:12px}
.brand{display:flex;align-items:center;gap:11px;font-weight:800;font-size:1.2rem;color:var(--ink);text-decoration:none;letter-spacing:-.01em}.brand .logo{width:38px;height:38px;border-radius:11px;background:var(--p);color:#fff;display:grid;place-items:center;font-weight:900;font-family:var(--display)}
nav.main{display:flex;gap:2px;align-items:center;flex-wrap:nowrap;white-space:nowrap}nav.main select{width:auto}nav.main a{padding:9px 13px;border-radius:10px;text-decoration:none;color:var(--ink-2);font-weight:600;font-size:.95rem}nav.main a.active,nav.main a:hover{background:var(--surface-2);color:var(--ink)}nav.main .btn{margin-left:8px}
.lang{border:1px solid var(--line);border-radius:10px;padding:7px 9px;background:#fff;font-size:.875rem;font-family:inherit}
.hero{padding:44px 0 28px}.hero .card{position:relative;overflow:hidden;background:var(--p);color:#fff;border:none;padding:clamp(28px,5vw,56px);box-shadow:var(--shadow-lg)}
.hero .card::before{content:"";position:absolute;inset:-40% -20% auto auto;width:60%;aspect-ratio:1;border-radius:50%;background:radial-gradient(closest-side,rgba(217,164,65,.35),transparent 70%);pointer-events:none}
.hero .card::after{content:"";position:absolute;inset:auto auto -50% -10%;width:45%;aspect-ratio:1;border-radius:50%;background:radial-gradient(closest-side,rgba(255,255,255,.10),transparent 70%);pointer-events:none}
.hero h1{color:#fff;max-width:14ch;font-size:clamp(2rem,5vw,3.4rem)}.hero p{font-size:1.12rem;opacity:.9;max-width:560px;position:relative}.hero .btn{position:relative}.hero .art{position:absolute;right:0;top:0;bottom:0;width:42%;background-size:cover;background-position:center;-webkit-mask-image:linear-gradient(90deg,transparent,#000 35%);mask-image:linear-gradient(90deg,transparent,#000 35%);opacity:.9}@media(max-width:860px){.hero .art{display:none}}
.trust{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px;position:relative}.trust span{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);padding:7px 13px;border-radius:999px;font-size:.85rem;font-weight:600}
.steps{counter-reset:s}.step{position:relative;padding-top:28px}.step::before{counter-increment:s;content:"0" counter(s);position:absolute;left:24px;top:16px;font-family:var(--display);font-size:1.6rem;font-weight:700;color:var(--a);line-height:1}.step h3{margin-top:30px}
footer.site{margin-top:64px;border-top:1px solid var(--line);background:#fff;padding:44px 0 28px;color:var(--muted);font-size:.9rem}footer.site .cols{display:grid;gap:28px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}footer.site a{color:var(--ink-2);text-decoration:none;display:block;padding:4px 0}footer.site a:hover{color:var(--p)}footer.site h4{margin:0 0 10px;color:var(--ink);font-size:.8rem;text-transform:uppercase;letter-spacing:.1em}
.disclosure{background:var(--warn-bg);border:1px solid #f1dfb8;color:#6b4300;border-radius:var(--r-sm);padding:12px 16px;font-size:.9rem}.notice{border-radius:var(--r-sm);padding:12px 16px;margin:12px 0;border:1px solid}.notice.success{background:var(--ok-bg);border-color:#bfe3cc;color:#11532f}.notice.error{background:var(--bad-bg);border-color:#f0c2c2;color:#7f1d1d}.notice.info{background:var(--info-bg);border-color:#c4d6f2;color:#173f75}
form .field{margin-bottom:16px}label{display:block;font-weight:700;font-size:.88rem;margin-bottom:6px;color:var(--ink-2)}
input[type=text],input[type=email],input[type=number],input[type=tel],input[type=date],input[type=password],input[type=url],input[type=time],input[type=datetime-local],select,textarea{width:100%;padding:12px 14px;border:1px solid #d9d3c8;border-radius:12px;font:inherit;background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s}textarea{min-height:110px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--p);box-shadow:0 0 0 4px rgba(11,31,58,.10)}.help{font-size:.8rem;color:var(--muted);margin-top:5px}.err{color:var(--bad);font-size:.8rem;margin-top:4px}.check{display:flex;gap:10px;align-items:flex-start;font-weight:400}.check input{margin-top:4px}
.badge{display:inline-block;padding:4px 11px;border-radius:999px;font-size:.76rem;font-weight:700;background:#ece8df;color:#3f4657;letter-spacing:.01em}.badge.ok{background:var(--ok-bg);color:var(--ok)}.badge.warn{background:var(--warn-bg);color:var(--warn)}.badge.bad{background:var(--bad-bg);color:var(--bad)}.badge.info{background:var(--info-bg);color:var(--info)}
table.t{width:100%;border-collapse:collapse;font-size:.92rem}table.t th,table.t td{padding:12px 10px;border-bottom:1px solid var(--line-2);text-align:left;vertical-align:top}table.t th{font-size:.74rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:700}table.t tbody tr:hover{background:var(--surface-2)}.tablewrap{overflow-x:auto}
.wizard{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:22px}.wizard span{flex:1;min-width:120px;padding:9px 10px;border-radius:10px;background:#fff;border:1px solid var(--line);font-size:.8rem;font-weight:600;text-align:center;color:var(--muted)}.wizard span.on{background:var(--p);color:#fff;border-color:var(--p)}.wizard span.done{background:var(--ok-bg);border-color:#bfe3cc;color:var(--ok)}
.result{border-left:6px solid var(--p);padding:24px}.result.ELIGIBLE,.result.MATCHED{border-color:var(--ok)}.result.CONDITIONALLY_ELIGIBLE{border-color:var(--warn)}.result.NOT_ELIGIBLE,.result.FAILED,.result.NO_MATCH{border-color:var(--bad)}.result.MORE_INFORMATION_REQUIRED{border-color:var(--info)}
.timeline{list-style:none;padding:0;margin:0}.timeline li{padding:8px 0 8px 24px;border-left:2px solid var(--line);position:relative;margin-left:8px}.timeline li::before{content:"";position:absolute;left:-7px;top:14px;width:12px;height:12px;border-radius:50%;background:var(--a);box-shadow:0 0 0 3px #fff}
.match{display:grid;grid-template-columns:1fr auto;gap:12px;align-items:center}.kv{display:grid;grid-template-columns:1fr 1fr;gap:6px 12px;font-size:.9rem}.kv dt{color:var(--muted)}.kv dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums}
.panel{display:grid;grid-template-columns:248px 1fr;min-height:100vh}.side{background:var(--p);color:#d7deea;padding:18px 14px}.side a{display:block;color:#d7deea;text-decoration:none;padding:8px 12px;border-radius:10px;font-size:.92rem;font-weight:500}.side a.active,.side a:hover{background:rgba(255,255,255,.12);color:#fff}.side a.active{box-shadow:inset 3px 0 0 var(--a)}.side h5{margin:16px 12px 6px;font-size:.66rem;text-transform:uppercase;letter-spacing:.14em;color:#93a3bd}.main{padding:26px}.stat{padding:18px 20px}.stat .n{font-size:1.9rem;font-weight:800;letter-spacing:-.02em}.stat .l{color:var(--muted);font-size:.85rem;font-weight:600}
@media (max-width:860px){.panel{grid-template-columns:1fr}.side{display:flex;flex-wrap:wrap;gap:4px;padding:10px}.side h5{display:none}.side a{padding:6px 10px}.main{padding:14px}nav.main{display:none}nav.main.open{display:flex;position:absolute;left:0;right:0;top:70px;background:#fff;padding:12px 20px 16px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;box-shadow:var(--shadow-lg)}nav.main.open .btn{margin:6px 0 0}.match{grid-template-columns:1fr}.hero{padding:20px 0 16px}.wrap{padding:0 16px}}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 12px;font-size:1.1rem}
.code{font-family:ui-monospace,Menlo,Consolas,monospace;font-size:.85rem;background:var(--surface-2);padding:2px 6px;border-radius:6px}
.toast{position:fixed;bottom:18px;right:18px;max-width:360px;z-index:50}
details summary{cursor:pointer;font-weight:700;padding:10px 0}details summary::marker{color:var(--a)}
.chat{max-height:420px;overflow:auto;display:flex;flex-direction:column;gap:8px;padding:10px;background:var(--bg);border-radius:12px}.msg{max-width:80%;padding:10px 14px;border-radius:14px;background:#fff;border:1px solid var(--line)}.msg.me{align-self:flex-end;background:var(--p);color:#fff;border-color:var(--p)}.msg.me .muted{color:#cbd5e6}
.progress{height:8px;background:var(--line);border-radius:99px;overflow:hidden}.progress i{display:block;height:100%;background:var(--a)}
.trust-strip{display:flex;gap:26px;flex-wrap:wrap;justify-content:center;padding:14px 0 0;color:var(--muted);font-size:.85rem;font-weight:600}.trust-strip span::before{content:"✓";color:var(--ok);margin-right:6px;font-weight:900}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto}}
/* ---- phase 14: service fee, consent, no-match cooldown, match success ---- */
.t.fee{width:100%;margin-top:10px}.t.fee td,.t.fee th{padding:10px 4px;border-bottom:1px solid var(--line)}.t.fee tr.total th{border-bottom:none;font-size:1.2rem;font-family:Fraunces,serif;padding-top:14px}
.scope{margin:10px 0 0 18px;padding:0}.scope li{margin:6px 0;font-size:.92rem}
.legal .legal-text{max-height:260px;overflow:auto;font-size:.88rem;line-height:1.55;color:var(--ink-2);padding-right:8px}
.success-hero{display:grid;grid-template-columns:1.4fr 1fr;gap:24px;align-items:center;background:linear-gradient(135deg,#fff 0%,#f3f7ff 100%);border-color:#d7e3f5}
.success-hero h2{font-size:clamp(1.4rem,2.6vw,1.9rem);margin:10px 0 8px}.success-hero .success-art img{width:100%;max-width:320px;height:auto;display:block;margin:0 auto}
@media(max-width:700px){.success-hero{grid-template-columns:1fr}.success-hero .success-art{order:-1}}
.lenders .lender{display:flex;flex-direction:column}.lender-name{margin:0;font-size:1.15rem}.hl{margin:8px 0 0 18px;padding:0}.hl li{margin:3px 0}
.kv{display:grid;grid-template-columns:1fr auto;gap:6px 14px;margin:0;font-size:.92rem}.kv dt{color:var(--muted)}.kv dd{margin:0;font-weight:700;text-align:right}
.lender .row.mt{margin-top:auto;padding-top:14px}
.cooldown{margin-top:14px;padding:16px 18px;border-radius:12px;background:var(--surface-2);border:1px dashed var(--line)}
.cooldown .next-date .date{font-family:Fraunces,serif;font-size:1.5rem;font-weight:700;color:var(--p)}
/* ---- phase 15: journey tracker, readiness, activity, EMI calculator, home stats ---- */
.journey{display:grid;grid-template-columns:repeat(auto-fit,minmax(110px,1fr));gap:6px;position:relative}
.jstep{display:flex;flex-direction:column;align-items:center;text-align:center;gap:8px;padding:10px 6px;border-radius:12px;position:relative}
.jstep .dot{width:30px;height:30px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:.85rem;background:#fff;border:2px solid var(--line);color:var(--muted);position:relative;z-index:1}
.jstep .lbl{font-size:.78rem;font-weight:600;color:var(--muted);line-height:1.2}
.jstep:not(:last-child)::after{content:"";position:absolute;top:24px;left:calc(50% + 16px);width:calc(100% - 32px);height:2px;background:var(--line)}
.jstep.done .dot{background:var(--ok);border-color:var(--ok);color:#fff}.jstep.done .lbl{color:var(--ink)}.jstep.done:not(:last-child)::after{background:var(--ok)}
.jstep.current .dot{background:var(--p);border-color:var(--p);color:#fff;box-shadow:0 0 0 5px rgba(11,31,58,.12)}.jstep.current .lbl{color:var(--p)}
.ring{--p:0;width:56px;height:56px;border-radius:50%;background:conic-gradient(var(--a) calc(var(--p)*1%),var(--line-2) 0);display:grid;place-items:center;flex:none}
.ring span{width:42px;height:42px;border-radius:50%;background:#fff;display:grid;place-items:center;font-weight:800;font-size:.8rem;font-family:var(--num)}
.checklist{list-style:none;margin:8px 0 0;padding:0}.checklist li{display:flex;gap:10px;align-items:center;padding:7px 0;border-bottom:1px solid var(--line-2);font-size:.92rem}.checklist li:last-child{border-bottom:none}
.checklist .tick{width:22px;height:22px;border-radius:50%;display:inline-grid;place-items:center;font-size:.8rem;font-weight:800;background:var(--surface-2);border:1px solid var(--line);color:var(--muted);flex:none}.checklist li.done .tick{background:var(--ok-bg);border-color:#bfe3cc;color:var(--ok)}
.activity{list-style:none;margin:10px 0 0;padding:0}.activity li{padding:8px 0 8px 12px;border-left:3px solid var(--line-2);margin-bottom:6px}.activity li.unread{border-left-color:var(--a)}
.hero-empty{display:grid;grid-template-columns:1.4fr 1fr;gap:20px;align-items:center;background:linear-gradient(135deg,#fff,#f3f7ff)}.hero-empty img{width:100%;max-width:260px;height:auto;justify-self:center}
@media(max-width:700px){.hero-empty{grid-template-columns:1fr}.hero-empty img{order:-1;max-width:200px}}
.emi{display:grid;grid-template-columns:1.2fr 1fr;gap:24px}.emi label{display:block;font-weight:600;font-size:.9rem;margin-top:12px}.emi output{float:right;font-family:var(--num);font-weight:700}
.emi input[type=range]{width:100%;accent-color:var(--p);margin-top:6px}.emi .out{background:var(--p);color:#fff;border-radius:14px;padding:22px}.emi .out .big{font-family:Fraunces,serif;font-size:2rem;font-weight:700;line-height:1.1}.emi .out dl{display:grid;grid-template-columns:1fr auto;gap:6px 12px;margin:14px 0 0;font-size:.92rem}.emi .out dd{margin:0;text-align:right;font-family:var(--num);font-weight:700}.emi .out dt{color:#cbd5e6}
@media(max-width:700px){.emi{grid-template-columns:1fr}}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px}.stats .card{text-align:center;padding:16px}.stats .n{font-family:Fraunces,serif;font-size:1.8rem;font-weight:700;color:var(--p)}.stats .l{font-size:.82rem;color:var(--muted);font-weight:600}
.steps .step{position:relative;padding-top:54px}.steps .step .num{position:absolute;top:18px;left:22px;width:32px;height:32px;border-radius:10px;background:var(--a);color:var(--accent-ink);display:grid;place-items:center;font-weight:800}
.t.fee tr.discount td{color:var(--ok);font-weight:600}
/* phase 15: growth & trust */
.stars{color:#d9a441;letter-spacing:2px}.stars .off{color:#d6dbe4}
.review blockquote{margin:8px 0;font-style:italic}
.review-form .rate{border:0;padding:0;display:inline-flex;flex-direction:row-reverse;gap:2px}
.review-form .rate input{position:absolute;opacity:0;width:1px;height:1px}
.review-form .rate label{font-size:28px;color:#d6dbe4;cursor:pointer;line-height:1}
.review-form .rate label:hover,.review-form .rate label:hover~label,.review-form .rate input:checked~label{color:#d9a441}
.review-form .rate input:focus-visible+label{outline:2px solid var(--p);border-radius:4px}
.review-form legend{margin-bottom:4px}
.teaser{border-left:4px solid var(--a);background:linear-gradient(90deg,rgba(217,164,65,.08),transparent)}
.teaser .n{font-size:28px;font-weight:800;color:var(--p)}
.cobrand{background:var(--p);color:#fff;font-size:13px;padding:6px 0;text-align:center}
.cobrand img{height:20px;vertical-align:middle;margin-right:6px;border-radius:3px;background:#fff}
.emi-share{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}
.emi-share .btn{flex:1;min-width:120px}
.big-code{font-size:20px;letter-spacing:3px;font-weight:800}
.lender code{font-size:13px}
.hero.landing h1{font-size:clamp(26px,4vw,40px)}
.emi .out .emi-share .btn.ghost{color:#fff;border-color:rgba(255,255,255,.55);background:transparent}
.emi .out .emi-share .btn.secondary{background:#fff;color:var(--p)}
.reviews .grid.g3{grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}
/* header: the extra "Our lenders" link + longer Indic labels must never push the page sideways */
@media (min-width:861px){header.top .wrap{min-width:0}nav.main{flex-wrap:wrap;justify-content:flex-end;row-gap:4px;min-width:0}}
@media (min-width:861px) and (max-width:1380px){nav.main a{padding:8px 7px;font-size:.88rem}nav.main .btn{margin-left:4px}}
header.top .brand{white-space:nowrap;flex-shrink:0}
@media (min-width:861px) and (max-width:1380px){nav.main a{padding:8px 6px;font-size:.86rem}nav.main .btn{padding:8px 12px}nav.main select.lang{padding:6px 8px;font-size:.85rem;margin-left:4px}}
@media (max-width:860px){.menu-btn{display:inline-flex;align-items:center;margin-left:auto}}
.demo-strip{background:#b42318;color:#fff;text-align:center;font-size:13px;font-weight:700;padding:6px 12px;letter-spacing:.02em}