:root{--ink:#102b3a;--muted:#667781;--brand:#0d647c;--brand2:#0b5368;--paper:#ffffff;--bg:#f4f8fa;--line:#dce7eb;--soft:#eaf4f6;--soft2:#eef5f7;--shadow:0 18px 55px rgba(16,43,58,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font:16px system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.55}a{color:inherit}header{background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);padding:18px max(24px,5vw);display:flex;justify-content:space-between;align-items:center;position:sticky;top:0;z-index:30;backdrop-filter:blur(12px)}.brand{font-size:24px;font-weight:850;color:var(--brand2);text-decoration:none;letter-spacing:-.5px}.brand span{font-size:11px;letter-spacing:2.5px;color:var(--ink);margin-left:4px}nav{display:flex;gap:22px;align-items:center}nav a{color:var(--ink);text-decoration:none;font-weight:700;font-size:14px}nav a:hover{color:var(--brand)}main{max-width:1180px;margin:auto;padding:55px 24px 75px}.calc,.card{background:var(--paper);border:1px solid var(--line);border-radius:24px;padding:36px;box-shadow:var(--shadow)}h1,h2{font-family:Georgia,"Times New Roman",serif;letter-spacing:-1.5px;line-height:1.06}h1{font-size:clamp(42px,6vw,68px);margin:0 0 14px}h2{font-size:clamp(32px,4vw,48px)}h3{line-height:1.2}label{display:block;font-weight:750;margin:18px 0 7px}input,textarea,select{width:100%;padding:14px 15px;border:1px solid #c8d5da;border-radius:11px;font-size:16px;background:#fff;color:var(--ink);outline:none}input:focus,textarea:focus,select:focus{border-color:#69a6b7;box-shadow:0 0 0 4px rgba(13,100,124,.09)}button,.button{background:var(--brand2);color:#fff;border:0;border-radius:11px;padding:14px 22px;font-weight:800;margin-top:22px;cursor:pointer;text-decoration:none;display:inline-block;box-shadow:0 8px 20px rgba(13,83,104,.16)}button:hover,.button:hover{transform:translateY(-1px);background:#0a4659}.result{margin-top:24px;padding:24px;border-radius:16px;background:var(--soft);border:1px solid #d4e8ed;min-height:90px}.result strong{font-size:30px;color:var(--brand2)}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;padding:0;list-style:none}.grid a{display:block;height:100%;padding:21px;background:#fff;border:1px solid var(--line);border-radius:15px;color:var(--brand2);font-weight:800;text-decoration:none;transition:.18s ease}.grid a:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(16,43,58,.08);border-color:#b7d2da}.muted{color:var(--muted)}.note{font-size:13px;color:var(--muted)}footer{background:var(--ink);color:#b8c8cf;padding:42px 6%;text-align:center}footer a{color:#fff;text-decoration:none}
/* calculator pages */
.calc-page main{padding-top:32px}.crumbs{max-width:920px;margin:0 auto 18px;color:#71838c;font-size:13px}.crumbs a{color:var(--brand2);text-decoration:none;font-weight:700}.calc-shell{max-width:920px;margin:auto}.calc-intro{margin-bottom:28px}.calc-intro .eyebrow,.directory-hero .eyebrow,.home-page .eyebrow{color:#0d6b82;font-size:12px;font-weight:850;letter-spacing:2px;margin-bottom:14px}.calc-intro h1{margin-bottom:12px}.calc-intro p{font-size:17px;color:var(--muted);max-width:720px}.calc .calc-tip{margin-top:22px;padding:14px 16px;background:#f6fafb;border:1px solid var(--line);border-radius:12px;color:#5f727b;font-size:13px}.calc-below{display:grid;grid-template-columns:1.15fr .85fr;gap:22px;margin-top:22px}.info-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:25px}.info-card h2{font-size:29px;margin:0 0 12px}.info-card p,.info-card li{color:var(--muted)}.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.related-grid a{padding:13px 14px;background:var(--soft2);border-radius:10px;text-decoration:none;color:var(--brand2);font-weight:750;font-size:14px}.calc-header-row{display:flex;justify-content:space-between;gap:20px;align-items:flex-start}.calc-badge{padding:8px 11px;border-radius:999px;background:var(--soft);color:var(--brand2);font-weight:800;font-size:12px;white-space:nowrap}.directory-hero{padding:20px 0 35px}.directory-hero h1{margin:0 0 12px}.directory-hero p{max-width:720px;color:var(--muted);font-size:17px}.search-wrap{position:relative;margin:10px 0 28px}.search-wrap input{padding:16px 18px 16px 45px;border-radius:14px;box-shadow:0 8px 24px rgba(16,43,58,.05)}.search-icon{position:absolute;left:16px;top:15px;color:#71838c}.category-block{margin:36px 0}.category-title{display:flex;justify-content:space-between;align-items:end;gap:15px;margin-bottom:16px}.category-title h2{margin:0;font-size:32px}.category-title span{font-size:13px;color:var(--muted)}.calc-directory-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.calc-tile{background:#fff;border:1px solid var(--line);border-radius:17px;padding:22px;text-decoration:none;transition:.18s ease;min-height:155px}.calc-tile:hover{transform:translateY(-3px);box-shadow:0 13px 32px rgba(16,43,58,.08);border-color:#b7d2da}.tile-icon{width:42px;height:42px;display:flex;align-items:center;justify-content:center;border-radius:11px;background:var(--soft);color:var(--brand2);font-weight:900;margin-bottom:17px}.calc-tile h3{margin:0 0 7px;font-size:18px}.calc-tile p{margin:0;color:var(--muted);font-size:13px;line-height:1.45}.empty-state{display:none;padding:25px;text-align:center;color:var(--muted);border:1px dashed #b9cbd1;border-radius:15px}
/* homepage */
.home-page{background:#f5f8fa;color:#102b3a}.home-page .home-header{padding:18px max(24px,5vw)}.home-page .home-brand{color:var(--brand2);font-size:25px;font-weight:850;text-decoration:none}.home-page .home-brand span{font-size:12px;letter-spacing:2px;color:var(--ink)}.home-page .home-nav a{font-weight:800}.home-page .hero-section{max-width:1180px;margin:0 auto;padding:64px 5% 58px;display:grid;grid-template-columns:1.18fr .82fr;gap:58px;align-items:center;min-height:calc(100vh - 78px)}.home-page .hero-copy h1{font-family:Georgia,serif;font-size:clamp(48px,6vw,78px);line-height:.98;letter-spacing:-3px;margin:0;color:var(--ink)}.home-page .hero-copy h1 span{color:#0d6b82}.home-page .hero-text{max-width:620px;color:#617582;font-size:18px;line-height:1.6;margin:24px 0}.home-page .hero-actions{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.home-page .hero-button{display:inline-block;background:var(--brand2);color:#fff;padding:15px 21px;border-radius:11px;text-decoration:none;font-weight:800;box-shadow:0 10px 25px rgba(13,83,104,.18);transition:.18s}.home-page .hero-button:hover{transform:translateY(-2px)}.home-page .hero-secondary{color:var(--brand2);font-weight:800;text-decoration:none}.home-page .hero-note{margin-top:20px;color:#70828b;font-size:13px}.home-page .hero-panel{background:#fff;border:1px solid #dce7eb;border-radius:24px;padding:32px;box-shadow:0 25px 70px rgba(16,43,58,.11)}.home-page .mini-label{color:#70828b;font-size:11px;font-weight:850;letter-spacing:1.8px}.home-page .money-display{margin:22px 0 5px;color:var(--brand2);font-size:26px}.home-page .money-display strong{font-size:50px;letter-spacing:-2px}.home-page .hero-panel-title{color:#50646f;margin-bottom:18px}.home-page .mini-row{display:flex;justify-content:space-between;gap:20px;padding:15px 0;border-top:1px solid #e6edef;color:#617582}.home-page .mini-row strong{color:var(--ink)}.home-page .highlight-row{margin-top:5px;padding:17px;background:#eaf5f7;border:0;border-radius:12px;color:var(--brand2)}.home-page .highlight-row strong{color:var(--brand2)}.home-page .panel-footnote{color:#87969d;font-size:12px;margin:18px 0 0}.home-page .trust-strip{background:var(--ink);color:#fff;display:grid;grid-template-columns:repeat(4,1fr);padding:26px 7%;gap:20px}.home-page .trust-strip div{display:flex;flex-direction:column;gap:4px;border-right:1px solid rgba(255,255,255,.15)}.home-page .trust-strip div:last-child{border-right:0}.home-page .trust-strip span{color:#aebfc7;font-size:13px}.home-page .home-section,.home-page .category-section,.home-page .why-section{max-width:1180px;margin:0 auto;padding:76px 5%}.home-page .section-heading{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:30px}.home-page .section-heading h2,.home-page .why-copy h2,.home-page .cta-section h2{font-family:Georgia,serif;color:var(--ink);font-size:clamp(34px,4vw,50px);line-height:1.05;letter-spacing:-1.5px;margin:0}.home-page .view-all{color:var(--brand2);font-weight:800;text-decoration:none}.home-page .calculator-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.home-page .calculator-card{background:#fff;border:1px solid #dce7eb;border-radius:17px;padding:25px;text-decoration:none;color:var(--ink);transition:.18s}.home-page .calculator-card:hover{transform:translateY(-4px);box-shadow:0 15px 35px rgba(16,43,58,.1);border-color:#b9d4dc}.home-page .card-icon{display:inline-flex;width:42px;height:42px;align-items:center;justify-content:center;border-radius:11px;background:#eaf5f7;color:var(--brand2);font-weight:900;margin-bottom:16px}.home-page .calculator-card h3{margin:0 0 8px;font-size:20px}.home-page .calculator-card p{color:#71828a;line-height:1.5;min-height:50px;margin:0 0 18px;font-size:14px}.home-page .card-link{color:var(--brand2);font-weight:800;font-size:14px}.home-page .category-section{background:#edf4f6;max-width:none;padding-left:max(5%,calc((100% - 1080px)/2));padding-right:max(5%,calc((100% - 1080px)/2))}.home-page .centered{justify-content:center;text-align:center}.home-page .category-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.home-page .category-card{background:#fff;padding:26px;border-radius:17px;color:var(--ink);text-decoration:none;border:1px solid #d9e5e9}.home-page .category-number{color:#0d6b82;font-weight:900;font-size:13px;margin-bottom:30px}.home-page .category-card h3{margin:0 0 8px;font-size:19px}.home-page .category-card p{color:#71828a;font-size:14px;line-height:1.5;min-height:65px}.home-page .category-card span{color:var(--brand2);font-size:14px;font-weight:800}.home-page .why-section{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.home-page .why-copy p{color:#687b84;font-size:17px;line-height:1.7;max-width:560px;margin-top:22px}.home-page .why-list{border-top:1px solid #dce6ea}.home-page .why-item{display:grid;grid-template-columns:45px 1fr;gap:18px;padding:23px 0;border-bottom:1px solid #dce6ea}.home-page .why-item>span{color:#0d6b82;font-size:12px;font-weight:900}.home-page .why-item h3{margin:0 0 6px;font-size:18px}.home-page .why-item p{color:#71828a;margin:0;font-size:14px}.home-page .cta-section{max-width:1080px;margin:15px auto 75px;padding:48px;border-radius:24px;background:var(--brand2);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:40px}.home-page .cta-section .eyebrow{color:#a8d4df}.home-page .cta-section h2{color:#fff;margin-bottom:10px}.home-page .cta-section p{color:#c4d9df;margin:0}.home-page .light-button{background:#fff;color:var(--brand2);white-space:nowrap}.home-page .home-footer{background:var(--ink);color:#aebfc7;padding:45px 7% 24px;display:grid;grid-template-columns:1fr auto;gap:22px}.home-page .footer-brand{color:#fff}.home-page .footer-brand span{color:#a8d4df}.home-page .home-footer p{margin-top:9px;font-size:13px}.home-page .footer-links{display:flex;gap:24px}.home-page .footer-links a{color:#fff;text-decoration:none;font-size:14px}.home-page .footer-bottom{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.12);padding-top:20px;margin-top:12px;font-size:12px}
@media(max-width:900px){.grid,.calc-directory-grid{grid-template-columns:repeat(2,1fr)}.home-page .hero-section{grid-template-columns:1fr;min-height:auto;padding-top:55px}.home-page .calculator-grid{grid-template-columns:repeat(2,1fr)}.home-page .category-grid{grid-template-columns:repeat(2,1fr)}.home-page .why-section{grid-template-columns:1fr;gap:40px}.calc-below{grid-template-columns:1fr}}
@media(max-width:600px){header{padding:14px 18px}nav{gap:12px;font-size:13px}main{padding:35px 15px 55px}.calc,.card{padding:22px;border-radius:18px}.grid,.calc-directory-grid{grid-template-columns:1fr}.related-grid{grid-template-columns:1fr}.calc-header-row{display:block}.calc-badge{display:inline-block;margin-top:10px}.home-page .home-header{padding:16px 20px}.home-page .hero-section,.home-page .home-section,.home-page .why-section{padding-left:20px;padding-right:20px}.home-page .hero-section{padding-top:45px}.home-page .hero-copy h1{font-size:48px;letter-spacing:-2px}.home-page .hero-text{font-size:16px}.home-page .hero-panel{padding:24px}.home-page .money-display strong{font-size:40px}.home-page .trust-strip{grid-template-columns:repeat(2,1fr);padding:23px 20px}.home-page .trust-strip div{border-right:0}.home-page .calculator-grid,.home-page .category-grid{grid-template-columns:1fr}.home-page .section-heading{align-items:start;flex-direction:column}.home-page .cta-section{margin:15px 20px 55px;padding:34px 24px;flex-direction:column;align-items:flex-start}.home-page .home-footer{padding:38px 20px 24px;grid-template-columns:1fr}.home-page .footer-links{flex-direction:column;gap:10px}}

/* MoneyWise INDIA professional footer + interaction polish */
.site-footer{background:var(--ink);color:#aebfc7;padding:48px max(24px,7%) 22px;margin-top:0}
.site-footer-inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr;gap:36px}
.site-footer .footer-brand{color:#fff;font-size:20px;font-weight:850;text-decoration:none}
.site-footer .footer-brand span{font-size:11px;letter-spacing:2px;color:#a8d4df;margin-left:4px}
.site-footer p{margin:10px 0 0;font-size:13px;line-height:1.6}
.site-footer-links{display:flex;justify-content:flex-end;gap:20px;flex-wrap:wrap;align-content:flex-start}
.site-footer-links a{color:#fff;text-decoration:none;font-size:13px;font-weight:700}
.site-footer-links a:hover{color:#a8d4df}
.site-footer-bottom{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.12);padding-top:18px;margin-top:4px;font-size:12px;color:#91a7b0}
.calc-tile,.calculator-card{cursor:pointer}
@media(max-width:600px){.site-footer-inner{grid-template-columns:1fr}.site-footer-links{justify-content:flex-start}.site-footer-bottom{grid-column:auto}}