:root{
  --teal-900:#083d34; --teal-700:#0b5d50; --teal-600:#0e7565; --teal-100:#dcefe9;
  --amber:#d98a1f; --amber-soft:#f6e3c2;
  --ink:#182420; --ink-soft:#4a5a54; --muted:#7c8a84;
  --paper:#f6f4ee; --card:#ffffff; --border:#e2ddd2; --border-strong:#cfc8b8;
  --danger:#b3402e;
  --radius:14px; --radius-sm:9px;
  --shadow:0 1px 2px rgba(24,36,32,.05), 0 8px 24px -12px rgba(24,36,32,.12);
  --font-display:"Newsreader", Georgia, serif;
  --font-body:"IBM Plex Sans", -apple-system, sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);background:var(--paper);color:var(--ink);line-height:1.55;font-size:16px}
h1,h2,h3{font-family:var(--font-display);font-weight:600;line-height:1.15;letter-spacing:-.01em}
a{color:var(--teal-600)}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(246,244,238,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--border)}
.header-in{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.logo-mark{width:34px;height:34px;border-radius:9px;background:var(--teal-700);display:grid;place-items:center;color:#fff;font-family:var(--font-display);font-size:19px;font-weight:600}
.logo-name{font-family:var(--font-display);font-size:22px;font-weight:600}
.logo-name em{font-style:normal;color:var(--teal-600)}
nav.mainnav{display:flex;gap:22px;align-items:center}
nav.mainnav a{color:var(--ink-soft);text-decoration:none;font-size:14.5px;font-weight:500}
nav.mainnav a:hover{color:var(--teal-600)}
.lang-toggle{display:flex;border:1px solid var(--border-strong);border-radius:999px;overflow:hidden;background:var(--card)}
.lang-toggle button{border:0;background:transparent;padding:7px 15px;font-family:var(--font-body);font-size:13.5px;font-weight:600;color:var(--ink-soft);cursor:pointer;min-height:36px}
.lang-toggle button.active{background:var(--teal-700);color:#fff}
@media(max-width:820px){nav.mainnav a{display:none}}

/* ---------- ad slots ---------- */
.ad-slot{border:1px dashed var(--border-strong);border-radius:var(--radius-sm);background:repeating-linear-gradient(45deg,#f1efe7,#f1efe7 12px,#eceade 12px,#eceade 24px);display:grid;place-items:center;color:var(--muted);font-size:12px;letter-spacing:.08em;text-transform:uppercase;text-align:center}
.ad-top{height:90px;margin:16px 0 4px}
.ad-inline{min-height:250px;margin:28px 0}
.ad-side{height:600px;position:sticky;top:84px}
@media(max-width:1023px){.ad-side{display:none}}
@media(max-width:640px){.ad-top{height:100px}}

/* ---------- hero strip (compact, not centered stack) ---------- */
.hero{padding:34px 0 8px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:end}
.hero h1{font-size:clamp(30px,4.2vw,46px);max-width:640px}
.hero h1 span{color:var(--teal-600)}
.hero p{color:var(--ink-soft);max-width:560px;margin-top:10px;font-size:16.5px}
.hero-meta{display:flex;gap:8px;flex-wrap:wrap;justify-content:flex-end}
.chip{font-size:12.5px;font-weight:500;background:var(--teal-100);color:var(--teal-900);border-radius:999px;padding:5px 12px;white-space:nowrap}
@media(max-width:760px){.hero{grid-template-columns:1fr}.hero-meta{justify-content:flex-start}}

/* ---------- calculator layout ---------- */
.calc-grid{display:grid;grid-template-columns:1fr 380px;gap:24px;margin:26px 0 8px;align-items:start}
@media(max-width:1023px){.calc-grid{grid-template-columns:1fr}}
.calc-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.tabs{display:grid;grid-template-columns:repeat(3,1fr);border-bottom:1px solid var(--border);background:#faf8f3}
.tab-btn{border:0;background:transparent;padding:15px 8px;font-family:var(--font-body);font-size:14.5px;font-weight:600;color:var(--muted);cursor:pointer;border-bottom:2.5px solid transparent;min-height:48px}
.tab-btn.active{color:var(--teal-700);border-bottom-color:var(--teal-700);background:var(--card)}
.calc-body{padding:26px}
.field{margin-bottom:20px}
.field label{display:block;font-size:13.5px;font-weight:600;color:var(--ink-soft);margin-bottom:7px}
.input-row{display:flex;align-items:stretch;border:1.5px solid var(--border-strong);border-radius:var(--radius-sm);overflow:hidden;background:#fff;transition:border-color .15s}
.input-row:focus-within{border-color:var(--teal-600)}
.input-row .prefix,.input-row .suffix{display:flex;align-items:center;padding:0 12px;background:#f4f2ec;color:var(--muted);font-size:14px;font-weight:500;user-select:none}
.input-row input{flex:1;border:0;outline:0;padding:12px;font-size:16.5px;font-family:var(--font-body);min-width:0;color:var(--ink);font-variant-numeric:tabular-nums}
.hint{font-size:12.5px;color:var(--muted);margin-top:5px}
.range-row{margin-top:10px}
input[type=range]{width:100%;accent-color:var(--teal-600);height:22px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.two-col{grid-template-columns:1fr}}
.calc-note{display:flex;gap:10px;background:var(--amber-soft);border-radius:var(--radius-sm);padding:12px 14px;font-size:13.5px;color:#6b4a12;margin-top:4px}
.calc-note strong{color:#5a3d0e}

/* ---------- results panel ---------- */
.results{position:sticky;top:84px}
@media(max-width:1023px){.results{position:static}}
.result-card{background:var(--teal-900);color:#eaf4f1;border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.result-label{font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:#9fc4bb;font-weight:600}
.result-big{font-family:var(--font-display);font-size:clamp(34px,3.4vw,44px);font-weight:600;margin:4px 0 2px;font-variant-numeric:tabular-nums}
.result-big small{font-size:18px;color:#9fc4bb;font-family:var(--font-body);font-weight:400}
.donut-wrap{display:flex;align-items:center;gap:18px;margin-top:20px}
.donut-legend{font-size:13.5px;display:flex;flex-direction:column;gap:8px}
.legend-item{display:flex;align-items:center;gap:8px}
.dot{width:11px;height:11px;border-radius:3px;flex:none}
.result-rows{margin-top:18px;border-top:1px solid rgba(255,255,255,.14)}
.result-row{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.09);font-size:14.5px}
.result-row .k{color:#a9cbc2}
.result-row .v{font-weight:600;font-variant-numeric:tabular-nums}
.afford-card{margin-top:14px;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:18px 20px;font-size:14px}
.afford-card .big{font-family:var(--font-display);font-size:26px;font-weight:600;color:var(--teal-700);font-variant-numeric:tabular-nums}
.afford-warn{color:var(--danger);font-weight:600}

/* ---------- amortisation ---------- */
.amort{margin:30px 0}
.amort-toggle{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--border-strong);background:var(--card);border-radius:999px;padding:9px 18px;font-size:14px;font-weight:600;color:var(--ink-soft);cursor:pointer;min-height:44px}
.amort-toggle:hover{border-color:var(--teal-600);color:var(--teal-700)}
.amort-table-wrap{margin-top:16px;max-height:420px;overflow:auto;border:1px solid var(--border);border-radius:var(--radius-sm);display:none;background:var(--card)}
.amort-table-wrap.open{display:block}
table{width:100%;border-collapse:collapse;font-size:13.5px;font-variant-numeric:tabular-nums}
thead th{position:sticky;top:0;background:#f0ede4;text-align:right;padding:10px 14px;font-weight:600;color:var(--ink-soft);border-bottom:1px solid var(--border-strong);white-space:nowrap}
thead th:first-child,tbody td:first-child{text-align:left}
tbody td{padding:8px 14px;text-align:right;border-bottom:1px solid #efece3}
tbody tr:hover{background:#faf8f2}

/* ---------- content / SEO sections ---------- */
.section{margin:52px 0}
.section h2{font-size:clamp(24px,3vw,32px);margin-bottom:14px}
.section p{color:var(--ink-soft);max-width:760px;margin-bottom:12px}
.guides{display:grid;grid-template-columns:repeat(12,1fr);gap:18px;margin-top:22px}
.guide{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px}
.guide.lead{grid-column:span 7}
.guide.small{grid-column:span 5}
@media(max-width:820px){.guide.lead,.guide.small{grid-column:span 12}}
.guide h3{font-size:19px;margin-bottom:8px}
.guide p{font-size:14.5px;margin-bottom:8px}
.guide ul{padding-left:18px;font-size:14px;color:var(--ink-soft)}
.guide li{margin-bottom:6px}
.faq details{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-sm);margin-bottom:10px;padding:0 18px}
.faq summary{cursor:pointer;font-weight:600;font-size:15.5px;padding:15px 0;min-height:44px;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:"+";font-family:var(--font-display);font-size:20px;color:var(--teal-600);transition:transform .15s}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 0 16px;font-size:14.5px;color:var(--ink-soft)}
.disclaimer{font-size:12.5px;color:var(--muted);border-top:1px solid var(--border);padding:18px 0;margin-top:40px}

/* ---------- footer ---------- */
footer{background:var(--teal-900);color:#bcd8d1;margin-top:56px}
.footer-in{display:flex;justify-content:space-between;gap:24px;padding:34px 0;flex-wrap:wrap;font-size:14px}
footer a{color:#e8f4f0;text-decoration:none}
footer a:hover{text-decoration:underline}
.footer-brand{font-family:var(--font-display);font-size:20px;color:#fff}

/* language switching — hide the inactive language with !important so no
   component rule (.field label, .chip, .result-row .k, spans…) can override it */
html[lang="en"] [data-lang="ms"],
html[lang="ms"] [data-lang="en"]{ display:none !important; }
@media (prefers-reduced-motion: reduce){*{transition:none!important;animation:none!important}}