/* ============================================================
   Loan-IFY — Apply Loan Page
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

/* ---- Tokens ---- */
:root {
  --bg:          #f0f5ff;
  --surface:     #ffffff;
  --surface-2:   #f8faff;
  --text:        #0f172a;
  --muted:       #64748b;
  --border:      #e2e8f0;
  --primary:     #0d6efd;
  --primary-d:   #0b5ed7;
  --grad:        linear-gradient(135deg, #0d6efd 0%, #6610f2 100%);
  --success:     #16a34a;
  --shadow-sm:   0 2px 8px rgba(15,23,42,0.05);
  --shadow:      0 6px 24px rgba(15,23,42,0.08);
  --shadow-lg:   0 16px 40px rgba(15,23,42,0.12);
  --radius:      14px;
  --radius-sm:   9px;
  --t:           200ms ease;
}

body.dark-mode {
  --bg:        #0a0f1a;
  --surface:   #111827;
  --surface-2: #1a2235;
  --text:      #f1f5f9;
  --muted:     #94a3b8;
  --border:    rgba(255,255,255,0.08);
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.4);
  --shadow:    0 6px 24px rgba(0,0,0,0.5);
  --shadow-lg: 0 16px 40px rgba(0,0,0,0.65);
}

/* ---- Reset & base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html, body { height: 100%; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  background: var(--bg);
  color: var(--text);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-size: 15px;
  line-height: 1.5;
  transition: background var(--t), color var(--t);
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}


/* ---- Limit notice ---- */
.limit-notice {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 14px;
  background: rgba(220,38,38,0.07);
  border: 1px solid rgba(220,38,38,0.18);
  border-left: 3px solid var(--danger, #dc2626);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  color: #b91c1c;
  margin-bottom: 20px;
}
body.dark-mode .limit-notice { background: rgba(220,38,38,0.12); color: #f87171; border-color: rgba(220,38,38,0.25); }
.limit-notice i { margin-top: 2px; flex-shrink: 0; }
.limit-notice.hidden { display: none; }

/* ============================================================
   PAGE LAYOUT
   ============================================================ */
.page-wrapper {
  flex: 1;
  max-width: 1180px;
  width: 100%;
  margin: 0 auto;
  padding: clamp(1.5rem, 3vw, 2.5rem) clamp(1rem, 3vw, 2rem);
}

.page-header {
  margin-bottom: 28px;
}
.page-header h1 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--text);
  margin-bottom: 6px;
}
.page-header p {
  color: var(--muted);
  font-size: 0.97rem;
  line-height: 1.6;
}

/* ---- Apply form — single centred column ---- */
.apply-single {
  max-width: 620px;
  margin: 0 auto;
}

/* ---- EMI page — two cards side by side ---- */
.emi-page-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}
@media (max-width: 820px) {
  .emi-page-grid { grid-template-columns: 1fr; }
}

/* ---- Hint link at bottom of apply form ---- */
.emi-calc-hint {
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
  font-size: 0.83rem;
  color: var(--muted);
  display: flex;
  align-items: center;
  gap: 7px;
  flex-wrap: wrap;
}
.emi-calc-hint a {
  color: var(--primary);
  font-weight: 600;
  text-decoration: none;
}
.emi-calc-hint a:hover { text-decoration: underline; }
body.dark-mode .emi-calc-hint a { color: #60a5fa; }

/* ============================================================
   CARDS
   ============================================================ */
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 26px;
  box-shadow: var(--shadow);
  transition: background var(--t), border-color var(--t), box-shadow var(--t);
}

.card-header {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 24px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border);
}

.card-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: rgba(13,110,253,0.10);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
  color: var(--primary);
}
body.dark-mode .card-icon { background: rgba(13,110,253,0.18); color: #60a5fa; }

.card-header h2 {
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: -0.015em;
  color: var(--text);
  margin-bottom: 2px;
}
.card-sub {
  font-size: 0.83rem;
  color: var(--muted);
}

/* ============================================================
   FORM ELEMENTS
   ============================================================ */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 0;
}

.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.83rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 7px;
}

/* ---- Auto badge on interest rate label ---- */
.auto-badge {
  display: inline-flex;
  align-items: center;
  padding: 1px 7px;
  border-radius: 20px;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  background: rgba(13,110,253,0.10);
  color: var(--primary);
  border: 1px solid rgba(13,110,253,0.18);
}
body.dark-mode .auto-badge {
  background: rgba(13,110,253,0.18);
  color: #60a5fa;
  border-color: rgba(13,110,253,0.25);
}

/* ---- Input wrap (prefix/suffix) ---- */
.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.input-prefix, .input-suffix {
  position: absolute;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--muted);
  user-select: none;
  pointer-events: none;
}
.input-prefix { left: 12px; }
.input-suffix { right: 12px; }

.input-wrap input {
  flex: 1;
  padding: 11px 14px;
  font-size: 0.95rem;
  font-family: inherit;
  font-weight: 500;
  background: var(--surface-2);
  color: var(--text);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  outline: none;
  width: 100%;
  transition: border-color var(--t), box-shadow var(--t), background var(--t);
}
.input-wrap input:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(13,110,253,0.12);
  background: var(--surface);
}
.input-wrap input::placeholder { color: var(--muted); opacity: 0.6; }

/* prefix padding */
.input-wrap .input-prefix ~ input { padding-left: 28px; }
/* suffix padding */
.input-wrap input:has(~ .input-suffix) { padding-right: 40px; }

/* ---- Readonly interest rate field ---- */
.readonly-wrap input[readonly] {
  background: rgba(13,110,253,0.05);
  border-color: rgba(13,110,253,0.18);
  color: var(--primary);
  font-weight: 700;
  cursor: not-allowed;
}
body.dark-mode .readonly-wrap input[readonly] {
  background: rgba(13,110,253,0.10);
  border-color: rgba(13,110,253,0.22);
  color: #60a5fa;
}

/* ---- Select ---- */
.form-group select {
  width: 100%;
  padding: 11px 14px;
  font-size: 0.95rem;
  font-family: inherit;
  font-weight: 500;
  background: var(--surface-2);
  color: var(--text);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  outline: none;
  cursor: pointer;
  transition: border-color var(--t), box-shadow var(--t), background var(--t);
  appearance: auto;
}
.form-group select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(13,110,253,0.12);
}

/* ---- Buttons ---- */
.btn-submit {
  display: block;
  width: 100%;
  padding: 13px 16px;
  background: var(--grad);
  color: #fff;
  font-size: 0.97rem;
  font-weight: 700;
  font-family: inherit;
  letter-spacing: 0.01em;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  margin-top: 8px;
  box-shadow: 0 4px 18px rgba(13,110,253,0.28);
  transition: transform var(--t), box-shadow var(--t), opacity var(--t);
}
.btn-submit:hover { transform: translateY(-2px); box-shadow: 0 8px 26px rgba(13,110,253,0.36); }
.btn-submit:active { transform: translateY(0); }
.btn-submit:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

.btn-calc {
  display: block;
  width: 100%;
  padding: 12px 16px;
  background: var(--surface-2);
  color: var(--primary);
  font-size: 0.95rem;
  font-weight: 700;
  font-family: inherit;
  border: 1.5px solid rgba(13,110,253,0.22);
  border-radius: var(--radius-sm);
  cursor: pointer;
  margin-top: 4px;
  transition: background var(--t), border-color var(--t), transform var(--t);
}
.btn-calc:hover {
  background: rgba(13,110,253,0.07);
  border-color: var(--primary);
  transform: translateY(-1px);
}

/* ============================================================
   EMI RESULT
   ============================================================ */
.emi-result {
  margin-top: 20px;
  padding: 20px;
  background: var(--grad);
  border-radius: var(--radius-sm);
  text-align: center;
  box-shadow: 0 8px 24px rgba(13,110,253,0.22);
  transition: opacity 0.3s ease, transform 0.3s ease;
}
.emi-result.hidden { display: none; }

.emi-result-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  margin-bottom: 4px;
}
.emi-result-value {
  font-size: 2.4rem;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.03em;
  line-height: 1.1;
}
.emi-breakdown {
  margin-top: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
}
.emi-breakdown strong { color: #fff; }

/* ============================================================
   RATE REFERENCE CARD
   ============================================================ */
.rate-reference {
  margin-top: 20px;
  padding: 16px 18px;
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  transition: background var(--t), border-color var(--t);
}
.rate-ref-title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 12px;
}
.rate-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.lock-icon i { font-size: 0.75rem; color: var(--primary); pointer-events: none; }
body.dark-mode .lock-icon i { color: #60a5fa; }

.rate-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 10px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 0.85rem;
  color: var(--text);
  gap: 6px;
  transition: background var(--t), border-color var(--t);
}
.rate-item span { display: flex; align-items: center; gap: 6px; }
.rate-item i { font-size: 0.8rem; color: var(--muted); width: 14px; text-align: center; }
.rate-item strong {
  font-weight: 700;
  color: var(--primary);
}
body.dark-mode .rate-item strong { color: #60a5fa; }

/* ============================================================
   FOOTER
   ============================================================ */
footer {
  text-align: center;
  padding: 20px 16px;
  margin-top: 32px;
  background: var(--surface);
  border-top: 1px solid var(--border);
  color: var(--muted);
  font-size: 0.88rem;
  transition: background var(--t), border-color var(--t);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 540px) {
  nav { padding: 0 1rem; }
  .card { padding: 20px 16px; }
  .form-row { grid-template-columns: 1fr; }
  .rate-grid { grid-template-columns: 1fr; }
  .page-header h1 { font-size: 1.4rem; }
}

@media (max-width: 360px) {
  .company-name { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; }
}