/* ===========================================================
   hdbloan.sg — site.css  (v2)
   Skin A = Void Deck (default) · Skin B = Blueprint
   Switch with THEME in assets/calc-core.js
   =========================================================== */

[data-theme="a"] {
  --bg:#EDF1EE; --bg-2:#E1E8E3; --surface:#FFFFFF; --surface-2:#F6F9F7;
  --ink:#16302B; --muted:#5A6F68; --faint:#8AA097;
  --accent:#0F7A6B; --accent-ink:#FFFFFF; --accent-soft:#DDEFE9;
  --accent-2:#D9A227; --accent-2-soft:#FAEFD3;
  --line:#C9D6CF; --line-soft:#E3EBE6;
  --good:#17795F; --bad:#B4551F;
  --radius:16px; --radius-sm:10px;
  --shadow:0 1px 2px rgba(22,48,43,.06), 0 12px 28px -20px rgba(22,48,43,.5);
  --band:#16302B; --band-ink:#EAF2EE; --band-line:rgba(255,255,255,.14);
}
[data-theme="b"] {
  --bg:#0E2038; --bg-2:#0A1930; --surface:#16304F; --surface-2:#1B3A5E;
  --ink:#E8F1F8; --muted:#9BB6CE; --faint:#6F8FAC;
  --accent:#37B6E9; --accent-ink:#06172A; --accent-soft:#1C3D5C;
  --accent-2:#F2B544; --accent-2-soft:#33371F;
  --line:#2A4A6B; --line-soft:#22405D;
  --good:#5AD6A8; --bad:#F2B544;
  --radius:0px; --radius-sm:0px;
  --shadow:none;
  --band:#061424; --band-ink:#CFE4F3; --band-line:rgba(255,255,255,.12);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Newsreader",Georgia,serif;font-size:17px;line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent);text-underline-offset:3px}
:focus-visible{outline:3px solid var(--accent-2);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4,.ui,nav,button,label,th,.eyebrow,.figure,input,select,summary{font-family:"Bricolage Grotesque","Helvetica Neue",Arial,sans-serif}
h1{font-size:clamp(1.8rem,5vw,2.55rem);line-height:1.08;letter-spacing:-.022em;font-weight:700;margin:0 0 .5rem}
h2{font-size:clamp(1.22rem,3.2vw,1.5rem);line-height:1.2;letter-spacing:-.015em;margin:0 0 .5rem}
h3{font-size:1.02rem;margin:0 0 .3rem}
p{margin:0 0 .9rem}
.mono,.amt,.v,td.num{font-family:"IBM Plex Mono",ui-monospace,Menlo,monospace;font-variant-numeric:tabular-nums}
.wrap{width:min(100% - 1.6rem,64rem);margin-inline:auto}
.eyebrow{font-size:.7rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin:0 0 .5rem}
.skip{position:absolute;left:-9999px}
.skip:focus{left:1rem;top:1rem;z-index:99;background:var(--accent);color:var(--accent-ink);padding:.6rem 1rem}

/* ---------- icons ---------- */
.ic{width:1.15em;height:1.15em;flex:none;vertical-align:-.18em}
.ic-lg{width:1.6rem;height:1.6rem}

/* ---------- header ---------- */
.topbar{background:var(--band);color:var(--band-ink)}
.topbar-in{display:flex;flex-wrap:wrap;gap:.5rem 1.2rem;align-items:center;justify-content:space-between;padding:.7rem 0}
.brand{display:flex;align-items:center;gap:.55rem;color:inherit;text-decoration:none;font-weight:700;font-size:1.08rem;letter-spacing:-.02em;font-family:"Bricolage Grotesque",sans-serif}
.brand svg{width:28px;height:28px;flex:none}
.brand small{display:block;font-size:.62rem;font-weight:600;letter-spacing:.11em;text-transform:uppercase;opacity:.7}
.topnav{display:flex;gap:.1rem;flex-wrap:wrap}
.topnav a{color:inherit;text-decoration:none;font-size:.8rem;font-weight:600;padding:.3rem .55rem;border-radius:99px;opacity:.8}
[data-theme="b"] .topnav a{border-radius:0}
.topnav a:hover{background:var(--band-line);opacity:1}

/* ---------- THE TAB BAR — sticky, unmissable ---------- */
.tabs{position:sticky;top:0;z-index:30;background:var(--surface);border-bottom:1px solid var(--line);box-shadow:0 6px 18px -16px rgba(0,0,0,.6)}
.tabs ul{display:flex;list-style:none;margin:0;padding:0;overflow-x:auto;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.tabs ul::-webkit-scrollbar{display:none}
.tabs li{flex:1 0 auto}
.tabs a{display:flex;align-items:center;gap:.45rem;white-space:nowrap;text-decoration:none;color:var(--muted);
  font-family:"Bricolage Grotesque",sans-serif;font-size:.92rem;font-weight:600;padding:.85rem .95rem;
  border-bottom:3px solid transparent}
.tabs a:hover{color:var(--ink);background:var(--surface-2)}
.tabs a[aria-current="page"]{color:var(--accent);border-bottom-color:var(--accent);background:var(--accent-soft)}
.tabs a.featured{color:var(--ink)}
.tabs .tag{font-size:.62rem;letter-spacing:.08em;text-transform:uppercase;background:var(--accent-2);color:#3A2B04;padding:.12rem .38rem;border-radius:4px;font-weight:700}
[data-theme="b"] .tabs .tag{border-radius:0}

/* ---------- hero ---------- */
.hero{padding:1.7rem 0 .3rem}
.hero .lede{font-size:1.08rem;color:var(--muted);max-width:38rem;margin:0}

/* ---------- home chooser ---------- */
.chooser{display:grid;gap:.7rem;grid-template-columns:1fr;margin:1.3rem 0 0}
@media(min-width:640px){.chooser{grid-template-columns:1fr 1fr}}
.chooser a{display:flex;gap:.8rem;align-items:flex-start;background:var(--surface);border:1px solid var(--line);
  border-radius:var(--radius);padding:.95rem 1rem;text-decoration:none;color:var(--ink)}
.chooser a:hover{border-color:var(--accent);background:var(--surface-2)}
.chooser a.hot{border-color:var(--accent-2);background:var(--accent-2-soft)}
.chooser .ic-lg{color:var(--accent);margin-top:.15rem}
.chooser .c-k{font-family:"Bricolage Grotesque",sans-serif;font-weight:700;font-size:1rem;margin-bottom:.1rem}
.chooser .c-d{font-size:.88rem;color:var(--muted);line-height:1.4}

/* ---------- stepper ---------- */
.tool{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);margin:1.2rem 0;overflow:hidden}
.progress{display:flex;gap:.35rem;padding:.85rem 1rem;border-bottom:1px solid var(--line-soft);background:var(--surface-2)}
.pip{flex:1;display:flex;align-items:center;gap:.4rem;font-family:"Bricolage Grotesque",sans-serif;font-size:.78rem;font-weight:600;color:var(--faint)}
.pip b{width:1.5rem;height:1.5rem;flex:none;display:grid;place-items:center;border-radius:50%;border:1.5px solid var(--line);font-size:.78rem;background:var(--surface)}
[data-theme="b"] .pip b{border-radius:0}
.pip.done{color:var(--accent)}
.pip.done b{background:var(--accent);border-color:var(--accent);color:var(--accent-ink)}
.pip.now{color:var(--ink)}
.pip.now b{border-color:var(--accent);color:var(--accent);border-width:2.5px}
.pip span{display:none}
@media(min-width:620px){.pip span{display:inline}}

.step{padding:1.15rem 1rem 1.3rem}
.step[hidden]{display:none}
.step-q{font-family:"Bricolage Grotesque",sans-serif;font-weight:700;font-size:1.15rem;letter-spacing:-.01em;margin:0 0 .2rem}
.step-help{font-size:.9rem;color:var(--muted);margin:0 0 1rem}
.fields{display:grid;gap:.9rem;grid-template-columns:1fr}
@media(min-width:600px){.fields{grid-template-columns:1fr 1fr}.fields .wide{grid-column:1/-1}}
.field label{display:block;font-size:.88rem;font-weight:600;margin-bottom:.25rem}
.field .hint{display:block;font-size:.78rem;color:var(--muted);margin-top:.25rem;font-family:"Bricolage Grotesque",sans-serif;line-height:1.35}
.inputwrap{position:relative;display:flex;align-items:center}
.inputwrap .pre{position:absolute;left:.75rem;color:var(--faint);font-family:"IBM Plex Mono",monospace;pointer-events:none}
.inputwrap .post{position:absolute;right:.8rem;color:var(--faint);font-family:"IBM Plex Mono",monospace;pointer-events:none;font-size:.9rem}
input[type=number],input[type=text],select{width:100%;font-size:1.05rem;font-weight:600;color:var(--ink);background:var(--bg);
  border:1.5px solid var(--line);border-radius:var(--radius-sm);padding:.7rem .8rem;
  font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums;-moz-appearance:textfield}
select{font-family:"Bricolage Grotesque",sans-serif}
input.has-pre{padding-left:2rem}input.has-post{padding-right:2.8rem}
input:focus,select:focus{border-color:var(--accent);background:var(--surface)}
input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.radios{display:flex;flex-wrap:wrap;gap:.4rem}
.radios label{border:1.5px solid var(--line);border-radius:99px;padding:.45rem .85rem;cursor:pointer;font-size:.88rem;font-weight:600;background:var(--bg);margin:0}
[data-theme="b"] .radios label{border-radius:0}
.radios input{position:absolute;opacity:0;width:0;height:0}
.radios label:has(input:checked){background:var(--accent);border-color:var(--accent);color:var(--accent-ink)}
.radios label:has(input:focus-visible){outline:3px solid var(--accent-2);outline-offset:2px}

.navrow{display:flex;gap:.5rem;align-items:center;margin-top:1.2rem}
.navrow .spacer{flex:1}
button,.btn{font-family:"Bricolage Grotesque",sans-serif;font-size:.95rem;font-weight:700;cursor:pointer;text-decoration:none;
  display:inline-flex;align-items:center;gap:.4rem;padding:.72rem 1.15rem;border-radius:var(--radius-sm);
  border:1.5px solid var(--accent);background:var(--accent);color:var(--accent-ink)}
button.ghost,.btn.ghost{background:transparent;color:var(--muted);border-color:var(--line)}
button.ghost:hover{color:var(--ink);border-color:var(--ink)}
button.wa,.btn.wa{background:#1FA855;border-color:#1FA855;color:#fff}
button:disabled{opacity:.4;cursor:not-allowed}

/* ---------- answer ---------- */
.answer{padding:0 1rem 1.3rem}
.answer[hidden]{display:none}
.verdict{background:var(--band);color:var(--band-ink);border-radius:var(--radius);padding:1.1rem 1.15rem;margin-bottom:1rem}
.verdict .amt{display:block;font-size:clamp(2.1rem,9vw,3.1rem);font-weight:600;letter-spacing:-.03em;line-height:1;font-family:"IBM Plex Mono",monospace}
.verdict .plain{font-size:1rem;margin:.55rem 0 0;opacity:.92;font-family:"Bricolage Grotesque",sans-serif}
.rows{list-style:none;margin:0;padding:0}
.rows li{display:flex;justify-content:space-between;gap:1rem;padding:.5rem 0;border-bottom:1px solid var(--line-soft);font-size:.94rem}
.rows .k{font-family:"Bricolage Grotesque",sans-serif;font-weight:600}
.rows .v{white-space:nowrap}
.rows li.total{border-top:2px solid var(--ink);border-bottom:0;margin-top:.35rem;padding-top:.65rem;font-size:1.05rem;font-weight:700}
.flag{display:flex;gap:.5rem;align-items:flex-start;font-family:"Bricolage Grotesque",sans-serif;font-size:.88rem;font-weight:600;
  padding:.65rem .8rem;border-radius:var(--radius-sm);margin-bottom:.9rem;line-height:1.4}
.flag.ok{background:var(--accent-soft);color:var(--good)}
.flag.no{background:var(--accent-2-soft);color:var(--bad)}
.flag .ic{margin-top:.1rem}
.note{font-size:.86rem;color:var(--muted);margin:.9rem 0 0}
.actions{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.1rem}

/* ---------- chart ---------- */
.chart{margin:1.1rem 0 0;background:var(--surface-2);border:1px solid var(--line-soft);border-radius:var(--radius-sm);padding:.9rem .8rem .6rem}
.chart h4{font-size:.72rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin:0 0 .7rem}
.chart svg{width:100%;height:auto;display:block;overflow:visible}
.legend{display:flex;flex-wrap:wrap;gap:.9rem;margin-top:.6rem;font-size:.78rem;color:var(--muted);font-family:"Bricolage Grotesque",sans-serif}
.legend b{display:inline-block;width:.7rem;height:.7rem;border-radius:2px;margin-right:.3rem;vertical-align:-1px}

/* ---------- side-by-side comparison ---------- */
.vs{display:grid;gap:.7rem;grid-template-columns:1fr;margin:1rem 0}
@media(min-width:600px){.vs{grid-template-columns:1fr 1fr}}
.vs-card{border:1.5px solid var(--line);border-radius:var(--radius);padding:1rem;background:var(--surface-2)}
.vs-card.win{border-color:var(--accent);background:var(--accent-soft)}
.vs-head{display:flex;align-items:center;gap:.45rem;font-family:"Bricolage Grotesque",sans-serif;font-weight:700;font-size:1.02rem;margin-bottom:.15rem}
.vs-head .ic{color:var(--accent)}
.vs-badge{font-size:.64rem;letter-spacing:.09em;text-transform:uppercase;font-weight:700;padding:.15rem .4rem;border-radius:4px;background:var(--accent);color:var(--accent-ink);margin-left:auto}
[data-theme="b"] .vs-badge{border-radius:0}
.vs-big{font-family:"IBM Plex Mono",monospace;font-size:1.9rem;font-weight:600;letter-spacing:-.02em;margin:.35rem 0 .1rem}
.vs-sub{font-size:.82rem;color:var(--muted);font-family:"Bricolage Grotesque",sans-serif}
.vs-card ul{list-style:none;margin:.8rem 0 0;padding:0;font-size:.85rem}
.vs-card li{display:flex;justify-content:space-between;gap:.6rem;padding:.32rem 0;border-top:1px solid var(--line-soft)}
.vs-card li span:last-child{font-family:"IBM Plex Mono",monospace;white-space:nowrap}

/* ---------- content blocks ---------- */
.blocks{display:grid;gap:.7rem;grid-template-columns:1fr;margin:1.2rem 0}
@media(min-width:700px){.blocks{grid-template-columns:1fr 1fr}}
.block{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1rem}
.block .b-h{display:flex;align-items:center;gap:.5rem;font-family:"Bricolage Grotesque",sans-serif;font-weight:700;font-size:.98rem;margin-bottom:.4rem}
.block .b-h .ic{color:var(--accent)}
.block p{font-size:.92rem;margin:0 0 .6rem;color:var(--ink)}
.block p:last-child{margin-bottom:0}
.block strong{font-family:"Bricolage Grotesque",sans-serif}

.callout{display:flex;gap:.7rem;background:var(--accent-2-soft);border-left:4px solid var(--accent-2);
  border-radius:var(--radius-sm);padding:.9rem 1rem;margin:1.2rem 0;font-size:.93rem}
.callout .ic{color:var(--accent-2);margin-top:.15rem}
.callout p{margin:0}

table.tbl{width:100%;border-collapse:collapse;font-size:.9rem;margin:1rem 0;background:var(--surface);
  border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
table.tbl th,table.tbl td{text-align:left;padding:.6rem .75rem;border-bottom:1px solid var(--line-soft)}
table.tbl th{font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);background:var(--surface-2)}
table.tbl td.num{text-align:right;font-family:"IBM Plex Mono",monospace;white-space:nowrap}
table.tbl tr:last-child td{border-bottom:0}
.yes{color:var(--good);font-weight:700}
.no{color:var(--bad);font-weight:700}

/* ---------- FAQ ---------- */
.faq{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:.2rem 1rem;margin:1rem 0}
.faq details{border-bottom:1px solid var(--line-soft)}
.faq details:last-child{border-bottom:0}
.faq summary{cursor:pointer;font-weight:600;font-size:.95rem;padding:.8rem 0;list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--accent);font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq p{font-size:.92rem;margin:0 0 .85rem}

/* ---------- next steps ---------- */
.next{display:grid;gap:.6rem;grid-template-columns:1fr;margin:.8rem 0 0}
@media(min-width:700px){.next{grid-template-columns:repeat(3,1fr)}}
.next a{display:block;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:.85rem .95rem;text-decoration:none;color:var(--ink)}
.next a:hover{border-color:var(--accent)}
.next .n-k{font-family:"Bricolage Grotesque",sans-serif;font-weight:700;font-size:.94rem}
.next .n-d{font-size:.83rem;color:var(--muted);line-height:1.35}

/* ---------- owner ---------- */
.owner{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:.9rem 1rem;margin:1.3rem 0;
  display:flex;gap:.9rem;align-items:center;flex-wrap:wrap}
.owner img.pfp{width:56px;height:56px;border-radius:50%;object-fit:cover;flex:none}
[data-theme="b"] .owner img.pfp{border-radius:0}
.owner .o-body{flex:1 1 13rem}
.owner .o-name{font-family:"Bricolage Grotesque",sans-serif;font-weight:700}
.owner .o-title{font-size:.87rem;color:var(--muted)}
.owner .o-reg{font-family:"IBM Plex Mono",monospace;font-size:.76rem;color:var(--faint);margin-top:.2rem}

/* ---------- one small ad strip ---------- */
.adstrip{display:flex;align-items:center;justify-content:center;gap:.5rem;flex-wrap:wrap;text-align:center;
  margin:1.6rem 0 0;padding:.55rem .8rem;border:1px dashed var(--line);border-radius:var(--radius-sm);
  background:var(--surface-2);color:var(--muted);font-family:"Bricolage Grotesque",sans-serif;font-size:.78rem}
.adstrip a{font-weight:700}

/* ---------- footer ---------- */
.sitefoot{background:var(--band);color:var(--band-ink);margin-top:2.2rem;padding:1.8rem 0 2rem}
.sitefoot a{color:inherit}
.footgrid{display:grid;gap:1.2rem;grid-template-columns:1fr 1fr}
@media(min-width:760px){.footgrid{grid-template-columns:repeat(4,1fr)}}
.footgrid h4{font-size:.68rem;letter-spacing:.15em;text-transform:uppercase;opacity:.62;margin:0 0 .45rem}
.footgrid ul{list-style:none;margin:0;padding:0}
.footgrid li{margin-bottom:.3rem}
.footgrid a{font-size:.88rem;text-decoration:none;opacity:.9}
.footgrid a:hover{text-decoration:underline}
.footmeta{margin-top:1.5rem;padding-top:1rem;border-top:1px solid var(--band-line);font-size:.8rem;opacity:.78}
.footmeta p{margin:0 0 .4rem}

@media print{.topbar,.tabs,.sitefoot,.adstrip,.actions,.next,.navrow,.progress{display:none!important}}