:root{color-scheme:light;--ink:#142d3e;--muted:#455d6c;--navy:#102d44;--teal:#08736e;--surface:#fff;--line:#d4e1e2;--wash:#f2f7f6;--radius:18px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--wash);color:var(--ink);font-family:system-ui,-apple-system,"Noto Sans Devanagari","Noto Sans",sans-serif;line-height:1.65;-webkit-text-size-adjust:100%}
.wrap{width:min(100% - 2rem,1100px);margin-inline:auto;padding-block:2.5rem}
.top{background:var(--navy);color:#fff}
.nav{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1rem;padding-block:.9rem}
.nav strong{font-size:1rem;line-height:1.3}
.hero{overflow:hidden;background:linear-gradient(135deg,#102d44,#165c60);color:#fff}
.hero .wrap{padding-block:4rem}
.eyebrow{margin:0 0 .8rem;color:#b5e9da;font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
h1,h2,h3,p{overflow-wrap:break-word}
h1{font-size:clamp(2.1rem,7vw,4rem);line-height:1.18;letter-spacing:-.025em;margin:.2rem 0}
h2{font-size:clamp(1.5rem,4vw,2rem);line-height:1.3;letter-spacing:-.02em;margin:0 0 1.3rem}
h3{font-size:1.15rem;line-height:1.35;margin:0}
p{margin:.6rem 0 1rem}
.hero .en{color:#d2e8e5}
.big{font-size:clamp(1.3rem,4vw,1.8rem);font-weight:700;margin:1.8rem 0}
.en{font-size:.92em}
.ctas{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.6rem}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.7rem 1.2rem;border:2px solid transparent;border-radius:10px;background:#08736e;color:#fff;text-decoration:none;font-weight:700;line-height:1.35;text-align:center;transition:background .15s,transform .15s}
.btn:hover{background:#075b57}
.btn:focus-visible,a:focus-visible,input:focus-visible{outline:3px solid #f4b942;outline-offset:3px}
.hero .btn{background:#fff;color:#103d3c}
.hero .btn:hover{background:#e0f5ef}
.hero .btn.alt{background:transparent;border-color:#c9e9e2;color:#fff}
.hero .btn.alt:hover{background:#ffffff18}
.btn.sm{min-height:44px;background:#fff;color:#103d3c;padding:.55rem .9rem}
.grid{display:grid;grid-template-columns:1fr;gap:1rem}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.35rem;box-shadow:0 5px 24px #102d4409}
.card h3 + .en{color:var(--teal);font-weight:700;margin:.25rem 0 .9rem}
.card p:last-child{margin-bottom:0}
.ph{display:block;color:#723c20;background:#fff8ec;border:1px dashed #aa7041;padding:.8rem 1rem;border-radius:10px;font-size:.88rem}
.list{margin:0;padding-left:1.4rem}
.list li{padding-left:.2rem;margin:.8rem 0}
.list li::marker{color:var(--teal)}
.calc{display:grid;gap:1rem}
.calc label{display:block;font-weight:700}
.calc input{display:block;width:100%;min-height:48px;margin-top:.4rem;padding:.7rem .8rem;font:inherit;color:var(--ink);background:#fff;border:1px solid #8ca6ac;border-radius:9px}
.out{margin:0;padding:1rem;border-radius:10px;background:#e8f4f0;font-size:1.1rem}
.out b{color:#075b57}
.small{font-size:.9rem;color:var(--muted)}
.cta{background:#deeeea;text-align:center}
.cta .wrap{padding-block:3.5rem}
.cta p{max-width:660px;margin-inline:auto}
footer{background:var(--navy);color:#e0ebea}
footer .wrap{padding-block:2.5rem 5rem}
footer .small{color:#c4d6d6}
footer .ph{color:#fff2dd;background:#183d4b;border-color:#b49a73}
.fab{position:fixed;right:calc(1rem + env(safe-area-inset-right,0px));bottom:calc(1rem + env(safe-area-inset-bottom,0px));z-index:5;display:grid;place-items:center;width:54px;height:54px;border-radius:50%;background:#08736e;color:#fff;text-decoration:none;font-size:1.5rem;box-shadow:0 5px 20px #102d4440}
.fab:hover{background:#075b57}
@media(min-width:600px){.grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(min-width:900px){.calc{grid-template-columns:repeat(3,minmax(0,1fr))}.calc .out,.calc .small{grid-column:1/-1}.grid{grid-template-columns:repeat(3,minmax(0,1fr))}.hero .wrap{padding-block:5.5rem}.wrap{padding-block:3.5rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
.skip{position:absolute;left:1rem;top:-100px;z-index:10;background:#fff;color:#102d44;padding:.6rem 1rem;border-radius:8px;font-weight:700}
.skip:focus{top:1rem}
.field label{display:block;font-weight:700}
.hint{margin:.35rem 0 0;font-size:.85rem;color:var(--muted)}
.err{margin:.35rem 0 0;font-size:.88rem;font-weight:700;color:#a3221b}
.calc input[aria-invalid=true]{border:2px solid #a3221b}
.note{margin:0;padding:.7rem .9rem;border-left:4px solid var(--teal);background:#f4faf8}
.via{font-size:clamp(1.05rem,3vw,1.3rem);font-weight:700;margin:1.2rem 0 0;padding:.7rem 1rem;border-left:4px solid #b5e9da;background:#ffffff14;border-radius:8px}
.card .rate{font-weight:700;color:#075b57;background:#e8f4f0;padding:.5rem .7rem;border-radius:8px}

.trust{display:inline-block;margin:.4rem 0;padding:.25rem .7rem;border-radius:999px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.4);font-weight:600}