/* flat-vs-reducing-rate-emi-calculator.css | CalcWise.Finance v3 | prefix: fr- */
:root{
  --cw-navy:#002868;--cw-red:#BF0A30;--cw-green:#00875A;
  --cw-white:#FFFFFF;--cw-bg:#F4F6FA;--cw-border:#D0D9E8;
  --cw-text:#1A1A2E;--cw-muted:#6B7A99;
  --saffron:#FF9933;--r-md:10px;--r-lg:14px;--r-xl:18px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

/* HERO */
.fr-hero{border-radius:var(--r-xl);padding:44px 48px 40px;margin-bottom:32px}
.fr-badge{display:inline-block;background:rgba(255,153,51,.18);color:#FFDAA0;
  font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  border:1px solid rgba(255,153,51,.35);border-radius:20px;padding:4px 14px;margin-bottom:18px}
.fr-hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(1.5rem,3.2vw,2.3rem);
  font-weight:800;color:#fff;line-height:1.22;margin-bottom:14px;letter-spacing:-.02em}
.fr-subtitle{color:rgba(255,255,255,.82);font-size:1.05rem;line-height:1.6;
  max-width:700px;margin-bottom:24px}
.fr-pills{display:flex;flex-wrap:wrap;gap:8px}
.fr-pill{background:rgba(255,255,255,.12);color:rgba(255,255,255,.9);
  border:1px solid rgba(255,255,255,.2);border-radius:20px;
  font-size:.78rem;font-weight:600;padding:5px 14px}

/* CALCULATOR WRAPPER */
.fr-calc-wrapper{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-xl);overflow:hidden;margin-bottom:40px;
  box-shadow:0 4px 24px rgba(0,40,104,.07)}
.fr-calc-header{background:var(--cw-navy);padding:20px 28px}
.fr-calc-header h2{font-family:'Montserrat',sans-serif;font-size:1.1rem;
  font-weight:700;color:#fff;margin:0}
.fr-calc-header .fr-hint{color:rgba(255,255,255,.78);display:block;
  margin-top:5px;font-size:.82rem}

/* PRESETS */
.fr-presets{display:flex;flex-wrap:wrap;gap:8px;padding:16px 28px;
  border-bottom:1px solid var(--cw-border);background:var(--cw-bg)}
.fr-preset-label{font-family:'Inter',sans-serif;font-size:.78rem;
  font-weight:600;color:var(--cw-muted);align-self:center;margin-right:4px}
.fr-preset-btn{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:20px;padding:5px 14px;font-family:'Inter',sans-serif;
  font-size:.78rem;font-weight:600;color:var(--cw-navy);cursor:pointer;
  transition:all .18s}
.fr-preset-btn:hover,.fr-preset-btn.active{
  background:var(--cw-navy);color:#fff;border-color:var(--cw-navy)}

/* CALC GRID */
.fr-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;padding:28px}
.fr-inputs-panel{display:flex;flex-direction:column;gap:18px}
.fr-results-panel{display:flex;flex-direction:column;gap:18px}

/* FIELDS */
.fr-field label{display:block;font-family:'Inter',sans-serif;font-size:.83rem;
  font-weight:600;color:var(--cw-text);margin-bottom:6px}
.fr-field .fr-hint-text{font-size:.74rem;color:var(--cw-muted);margin-top:4px}
.fr-input-group{display:flex;align-items:center}
.fr-input-group .fr-prefix,.fr-input-group .fr-suffix{
  background:var(--cw-bg);border:1px solid var(--cw-border);
  color:var(--cw-muted);font-weight:600;font-size:.88rem;
  padding:0 12px;height:44px;display:flex;align-items:center;white-space:nowrap}
.fr-input-group .fr-prefix{border-right:0;border-radius:var(--r-md) 0 0 var(--r-md)}
.fr-input-group .fr-suffix{border-left:0;border-radius:0 var(--r-md) var(--r-md) 0}
.fr-input-group input{flex:1;height:44px;border:1px solid var(--cw-border);
  border-radius:0;padding:0 12px;font-family:'Inter',sans-serif;
  font-size:.95rem;color:var(--cw-text);outline:none;min-width:0}
.fr-input-group input:focus{border-color:var(--cw-navy);
  box-shadow:0 0 0 3px rgba(0,40,104,.1)}
.fr-input-group.prefix-only input{border-radius:0 var(--r-md) var(--r-md) 0}
.fr-input-group.suffix-only input{border-radius:var(--r-md) 0 0 var(--r-md)}

/* MODE TOGGLE */
.fr-mode-toggle{display:flex;border:1px solid var(--cw-border);
  border-radius:var(--r-md);overflow:hidden;margin-bottom:4px}
.fr-mode-btn{flex:1;padding:10px 12px;background:var(--cw-bg);border:none;
  font-family:'Inter',sans-serif;font-size:.82rem;font-weight:600;
  color:var(--cw-muted);cursor:pointer;transition:all .18s;text-align:center}
.fr-mode-btn.active{background:var(--cw-navy);color:#fff}

/* RESULTS CARDS */
.fr-compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fr-card{border-radius:var(--r-lg);padding:18px;border:2px solid transparent}
.fr-card-flat{background:rgba(191,10,48,.06);border-color:rgba(191,10,48,.2)}
.fr-card-reducing{background:rgba(0,135,90,.06);border-color:rgba(0,135,90,.2)}
.fr-card-label{font-family:'Montserrat',sans-serif;font-size:.7rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}
.fr-card-flat .fr-card-label{color:var(--cw-red)}
.fr-card-reducing .fr-card-label{color:var(--cw-green)}
.fr-card-emi{font-family:'Montserrat',sans-serif;font-size:1.55rem;font-weight:800;
  color:var(--cw-navy);margin-bottom:4px}
.fr-card-sub{font-size:.74rem;color:var(--cw-muted);margin-bottom:12px}
.fr-card-row{display:flex;justify-content:space-between;align-items:center;
  font-family:'Inter',sans-serif;font-size:.8rem;color:var(--cw-text);
  padding:5px 0;border-bottom:1px solid rgba(0,0,0,.05)}
.fr-card-row:last-child{border-bottom:none}
.fr-card-row span:last-child{font-weight:700;color:var(--cw-navy)}

/* SAVINGS BANNER */
.fr-savings-banner{background:var(--cw-navy);color:#fff;border-radius:var(--r-lg);
  padding:16px 20px;display:flex;align-items:center;gap:16px}
.fr-savings-icon{font-size:1.8rem;flex-shrink:0}
.fr-savings-text .fr-s-main{font-family:'Montserrat',sans-serif;font-size:1.15rem;
  font-weight:800;color:#FFD08A}
.fr-savings-text .fr-s-sub{font-size:.8rem;color:rgba(255,255,255,.72);margin-top:2px}

/* ILLUSION INDEX */
.fr-illusion-box{background:rgba(191,10,48,.07);border:1px solid rgba(191,10,48,.2);
  border-radius:var(--r-lg);padding:16px 20px}
.fr-illusion-box .fr-ill-label{font-family:'Montserrat',sans-serif;font-size:.72rem;
  font-weight:700;text-transform:uppercase;letter-spacing:.07em;
  color:var(--cw-red);margin-bottom:6px}
.fr-illusion-box .fr-ill-value{font-family:'Montserrat',sans-serif;font-size:1.1rem;
  font-weight:800;color:var(--cw-navy)}
.fr-illusion-box .fr-ill-sub{font-size:.78rem;color:var(--cw-muted);margin-top:4px;
  line-height:1.55}

/* EQUIV RATE BOX */
.fr-equiv-box{background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.15);
  border-radius:var(--r-lg);padding:16px 20px}
.fr-equiv-box .fr-eq-label{font-family:'Montserrat',sans-serif;font-size:.72rem;
  font-weight:700;text-transform:uppercase;letter-spacing:.07em;
  color:var(--cw-navy);margin-bottom:6px}
.fr-equiv-box .fr-eq-value{font-family:'Montserrat',sans-serif;font-size:1.5rem;
  font-weight:800;color:var(--cw-red)}
.fr-equiv-box .fr-eq-sub{font-size:.78rem;color:var(--cw-muted);margin-top:4px;
  line-height:1.55}

/* CHART */
.fr-chart-box{background:var(--cw-bg);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:20px;position:relative;height:280px}
.fr-chart-box canvas{max-width:100%}
.fr-chart-title{font-family:'Montserrat',sans-serif;font-size:.85rem;
  font-weight:700;color:var(--cw-navy);margin-bottom:14px}

/* AMORTISATION */
.fr-amort-section{padding:0 28px 28px}
.fr-amort-toggle{display:flex;gap:10px;margin-bottom:16px;flex-wrap:wrap}
.fr-amort-btn{padding:8px 18px;border-radius:var(--r-md);border:1px solid var(--cw-border);
  background:var(--cw-bg);font-family:'Inter',sans-serif;font-size:.82rem;
  font-weight:600;color:var(--cw-muted);cursor:pointer;transition:all .18s}
.fr-amort-btn.active{background:var(--cw-navy);color:#fff;border-color:var(--cw-navy)}
.fr-amort-wrap{overflow-x:auto;border-radius:var(--r-md);border:1px solid var(--cw-border)}
.fr-amort-table{width:100%;border-collapse:collapse;font-family:'Inter',sans-serif;
  font-size:.82rem;min-width:500px}
.fr-amort-table thead tr{background:var(--cw-navy);color:#fff}
.fr-amort-table thead th{padding:10px 14px;text-align:right;font-weight:600;font-size:.78rem}
.fr-amort-table thead th:first-child{text-align:left}
.fr-amort-table tbody tr:nth-child(even){background:var(--cw-bg)}
.fr-amort-table tbody td{padding:9px 14px;border-bottom:1px solid var(--cw-border);
  color:var(--cw-text);text-align:right}
.fr-amort-table tbody td:first-child{text-align:left;font-weight:600}
.fr-amort-table tfoot td{background:rgba(0,40,104,.06);font-weight:700;
  padding:10px 14px;text-align:right;color:var(--cw-navy)}
.fr-amort-table tfoot td:first-child{text-align:left}
.fr-amort-gap{text-align:center;padding:10px;font-size:.78rem;
  color:var(--cw-muted);background:var(--cw-bg);
  border-bottom:1px solid var(--cw-border)}

/* ACTIONS */
.fr-calc-actions{padding:0 28px 28px;display:flex;gap:12px;flex-wrap:wrap}
.fr-btn-primary{background:var(--saffron);color:var(--cw-navy);
  border:none;border-radius:var(--r-md);padding:0 28px;height:46px;
  font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:700;
  cursor:pointer;transition:all .2s;white-space:nowrap}
.fr-btn-primary:hover{background:#e8841a;transform:translateY(-1px)}
.fr-btn-secondary{background:transparent;color:var(--cw-navy);
  border:2px solid var(--cw-navy);border-radius:var(--r-md);padding:0 20px;
  height:46px;font-family:'Montserrat',sans-serif;font-size:.88rem;
  font-weight:600;cursor:pointer;transition:all .2s;white-space:nowrap}
.fr-btn-secondary:hover{background:var(--cw-navy);color:#fff}
.fr-btn-wa{background:#25D366;color:#fff;border:none;border-radius:var(--r-md);
  padding:0 20px;height:46px;font-family:'Montserrat',sans-serif;font-size:.88rem;
  font-weight:600;cursor:pointer;transition:all .2s;white-space:nowrap}
.fr-btn-wa:hover{background:#1da851}

/* CONTENT */
.fr-section{margin-bottom:48px}
.fr-section h2{font-family:'Montserrat',sans-serif;font-size:clamp(1.2rem,2.5vw,1.6rem);
  font-weight:800;color:var(--cw-navy);margin-bottom:18px;line-height:1.3}
.fr-section h3{font-family:'Montserrat',sans-serif;font-size:1.05rem;
  font-weight:700;color:var(--cw-navy);margin:22px 0 10px}
.fr-section p{font-family:'Inter',sans-serif;font-size:.97rem;color:var(--cw-text);
  line-height:1.8;margin-bottom:14px}
.fr-section a{color:var(--cw-navy);font-weight:600;text-decoration:underline}
.fr-section a:hover{color:var(--cw-red)}

/* DATA TABLE */
.fr-table{width:100%;border-collapse:collapse;font-family:'Inter',sans-serif;
  font-size:.88rem;margin-bottom:16px;border-radius:var(--r-md);overflow:hidden}
.fr-table thead tr{background:var(--cw-navy);color:#fff}
.fr-table thead th{padding:12px 16px;text-align:left;font-weight:600;font-size:.82rem}
.fr-table tbody tr:nth-child(even){background:var(--cw-bg)}
.fr-table tbody tr:hover{background:rgba(0,40,104,.05)}
.fr-table tbody td{padding:11px 16px;border-bottom:1px solid var(--cw-border);color:var(--cw-text)}
.fr-table .fr-highlight{color:var(--cw-green);font-weight:700}
.fr-table .fr-warn{color:var(--cw-red);font-weight:700}

/* EXAMPLE CARDS */
.fr-examples{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
  gap:20px;margin-bottom:16px}
.fr-ex-card{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);overflow:hidden}
.fr-ex-header{background:var(--cw-navy);padding:14px 18px;display:flex;
  align-items:center;gap:12px}
.fr-ex-avatar{width:38px;height:38px;border-radius:50%;background:var(--saffron);
  display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;
  font-size:.95rem;font-weight:800;color:var(--cw-navy);flex-shrink:0}
.fr-ex-who strong{font-family:'Montserrat',sans-serif;font-size:.9rem;
  font-weight:700;display:block;color:#fff}
.fr-ex-who span{font-size:.75rem;color:rgba(255,255,255,.7)}
.fr-ex-type{margin-left:auto;background:rgba(255,153,51,.2);color:#FFD08A;
  border-radius:20px;padding:3px 10px;font-size:.72rem;font-weight:700;white-space:nowrap}
.fr-ex-body{padding:16px 18px}
.fr-ex-strip{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:10px}
.fr-ex-cell{background:var(--cw-bg);border-radius:8px;padding:8px 10px}
.fr-ex-cell .fr-ecv{font-family:'Montserrat',sans-serif;font-size:.9rem;
  font-weight:700;color:var(--cw-navy)}
.fr-ex-cell .fr-ecl{font-size:.7rem;color:var(--cw-muted);margin-top:2px}
.fr-ex-takeaway{background:rgba(0,135,90,.09);border-left:3px solid var(--cw-green);
  border-radius:0 8px 8px 0;padding:8px 12px;font-size:.82rem;color:#005C3A;line-height:1.55}

/* TIPS */
.fr-tips{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:18px;margin-bottom:16px}
.fr-tip{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:20px}
.fr-tip-num{font-family:'Montserrat',sans-serif;font-size:1.4rem;font-weight:800;
  color:var(--saffron);margin-bottom:8px}
.fr-tip h3{font-family:'Montserrat',sans-serif;font-size:.92rem;font-weight:700;
  color:var(--cw-navy);margin-bottom:6px}
.fr-tip p{font-size:.84rem;color:var(--cw-muted);line-height:1.6;margin:0}

/* FORMULA BOX */
.fr-formula-box{background:var(--cw-navy);color:#fff;border-radius:var(--r-lg);
  padding:18px 22px;margin:14px 0}
.fr-formula-box .fr-formula{font-size:1rem;font-weight:600;color:#FFD08A;
  margin-bottom:6px;font-family:'Montserrat',sans-serif}
.fr-formula-box p{font-size:.82rem;color:rgba(255,255,255,.75);margin:0;line-height:1.6}

/* INFO CARD */
.fr-info-card{background:rgba(0,40,104,.05);border-left:4px solid var(--cw-navy);
  border-radius:0 var(--r-md) var(--r-md) 0;padding:12px 16px;margin:14px 0}
.fr-info-card p{font-size:.88rem;color:var(--cw-text);margin:0;line-height:1.65}
.fr-info-card strong{color:var(--cw-navy)}

/* STAT STRIP */
.fr-stat-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));
  gap:12px;margin:18px 0}
.fr-stat{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-md);padding:14px;text-align:center}
.fr-stat .fr-sv{font-family:'Montserrat',sans-serif;font-size:1.5rem;
  font-weight:800;color:var(--cw-navy)}
.fr-stat .fr-sl{font-size:.74rem;color:var(--cw-muted);margin-top:4px}

/* QUICK REF */
.fr-qr-wrap{background:var(--cw-bg);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:22px;margin-bottom:40px;overflow-x:auto}

/* FAQs */
.fr-faq-list{display:flex;flex-direction:column;gap:10px;margin-bottom:40px}
.fr-faq-list details{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-md);overflow:hidden}
.fr-faq-list details[open]{border-color:var(--cw-navy)}
.fr-faq-list summary{padding:16px 20px;font-family:'Inter',sans-serif;
  font-size:.93rem;font-weight:600;color:var(--cw-text);cursor:pointer;
  list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
.fr-faq-list summary::after{content:'+';font-size:1.2rem;color:var(--cw-navy);flex-shrink:0}
.fr-faq-list details[open] summary::after{content:'-'}
.fr-faq-list .fr-faq-ans{padding:0 20px 16px;font-family:'Inter',sans-serif;
  font-size:.88rem;color:var(--cw-muted);line-height:1.75}

/* RELATED */
.fr-related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));
  gap:16px;margin-bottom:40px}
.fr-related-card{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:18px;text-decoration:none;
  transition:all .2s;display:block}
.fr-related-card:hover{border-color:var(--cw-navy);transform:translateY(-2px);
  box-shadow:0 6px 20px rgba(0,40,104,.1);text-decoration:none}
.fr-related-icon{font-size:1.6rem;margin-bottom:8px}
.fr-related-card h3{font-family:'Montserrat',sans-serif;font-size:.88rem;
  font-weight:700;color:var(--cw-navy);margin-bottom:4px}
.fr-related-card p{font-size:.78rem;color:var(--cw-muted);margin:0;line-height:1.5}

/* LEGAL */
.fr-legal{background:var(--cw-bg);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:22px;margin-bottom:24px}
.fr-legal h2{font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:700;
  color:var(--cw-text);margin-bottom:10px}
.fr-legal p{font-size:.8rem;color:var(--cw-muted);line-height:1.7;margin-bottom:8px}
.fr-legal a{color:var(--cw-navy);font-weight:600}

/* RESPONSIVE */
@media(max-width:900px){
  .fr-hero{padding:32px 24px 28px}
  .fr-calc-grid{grid-template-columns:1fr;gap:20px;padding:20px}
  .fr-compare-grid{grid-template-columns:1fr 1fr}
  .fr-amort-section{padding:0 20px 20px}
  .fr-calc-actions{padding:0 20px 20px;flex-direction:column}
  .fr-calc-actions .fr-btn-primary,
  .fr-calc-actions .fr-btn-secondary,
  .fr-calc-actions .fr-btn-wa{width:100%;flex:none;border-radius:var(--r-md)}
}
@media(max-width:560px){
  .fr-hero{padding:24px 16px 20px}
  .fr-hero h1{font-size:1.35rem}
  .fr-compare-grid{grid-template-columns:1fr}
  .fr-examples{grid-template-columns:1fr}
  .fr-tips{grid-template-columns:1fr}
  .fr-stat-strip{grid-template-columns:1fr 1fr}
  .fr-mode-toggle{flex-direction:column}
  .fr-presets{padding:12px 16px}
}