:root{
  --lic-blue:#073b87;
  --lic-blue-2:#0d57ad;
  --lic-deep:#031f4a;
  --lic-yellow:#ffc400;
  --lic-gold:#e9a900;
  --ink:#10233f;
  --muted:#5c6d83;
  --line:#dce7f3;
  --soft:#f4f8fc;
  --white:#fff;
  --success:#0f9d67;
  --danger:#c53a3a;
  --shadow:0 20px 45px rgba(3,31,74,.11);
  --radius:22px;
  --radius-sm:14px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button,input,select,textarea{font:inherit}
button{cursor:pointer}
.container{width:min(var(--max),calc(100% - 34px));margin:auto}
.skip-link{position:absolute;left:-9999px;top:auto}.skip-link:focus{left:16px;top:16px;background:#fff;padding:10px 14px;border-radius:10px;z-index:9999}
.topbar{background:var(--lic-deep);color:#fff;font-size:.88rem}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:8px 0}
.topbar a{color:#fff}.topbar-links{display:flex;gap:18px;align-items:center}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.95);backdrop-filter:blur(14px);border-bottom:1px solid rgba(7,59,135,.08)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:20px}
.brand{display:flex;align-items:center;gap:12px;min-width:255px}.brand img{width:225px;height:auto;object-fit:contain}.brand-note{display:none;font-size:.78rem;color:var(--muted)}
.nav{display:flex;align-items:center;gap:4px}.nav a{padding:12px 13px;border-radius:12px;font-weight:700;font-size:.95rem;color:#24405f}.nav a:hover,.nav a.active{background:#eef5ff;color:var(--lic-blue)}
.nav-cta{background:var(--lic-yellow)!important;color:var(--lic-deep)!important;padding:12px 18px!important;box-shadow:0 10px 20px rgba(255,196,0,.26)}
.menu-btn{display:none;background:#eef5ff;border:0;border-radius:12px;width:44px;height:44px;color:var(--lic-blue);font-size:1.4rem}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#fff 0%,#f9fcff 44%,#eaf4ff 100%);padding:76px 0 62px}
.hero:before{content:"";position:absolute;right:-160px;top:-210px;width:540px;height:540px;border-radius:50%;background:radial-gradient(circle,rgba(255,196,0,.25),rgba(255,196,0,0) 68%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;position:relative;z-index:1}
.eyebrow{display:inline-flex;align-items:center;gap:9px;padding:8px 12px;border:1px solid #cfe0f4;border-radius:999px;background:#fff;color:var(--lic-blue);font-weight:800;font-size:.84rem;letter-spacing:.02em}.eyebrow:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--lic-yellow)}
h1{font-size:clamp(2.65rem,5.4vw,5.35rem);line-height:.98;letter-spacing:-.045em;margin:20px 0 22px;color:var(--lic-deep)}
h1 .accent{color:var(--lic-blue)}h1 .yellow{color:var(--lic-gold)}
.hero-copy{font-size:1.14rem;color:var(--muted);max-width:640px}.hero-copy strong{color:var(--ink)}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 30px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:0;border-radius:13px;padding:14px 19px;font-weight:800;transition:.2s transform,.2s box-shadow,.2s background}
.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--lic-blue);color:#fff;box-shadow:0 13px 25px rgba(7,59,135,.22)}.btn-yellow{background:var(--lic-yellow);color:var(--lic-deep);box-shadow:0 13px 25px rgba(255,196,0,.24)}.btn-ghost{background:#fff;color:var(--lic-blue);border:1px solid #cfe0f4}
.hero-badges{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;max-width:650px}.hero-badge{background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px 13px;box-shadow:0 8px 22px rgba(3,31,74,.05)}.hero-badge b{display:block;font-size:1.02rem;color:var(--lic-blue)}.hero-badge span{font-size:.79rem;color:var(--muted)}
.hero-visual{position:relative;min-height:500px}
.house-card{position:absolute;inset:28px 0 0 26px;border-radius:30px;background:linear-gradient(145deg,#0b4a99,#062e67);box-shadow:0 30px 70px rgba(3,31,74,.23);overflow:hidden;border:8px solid #fff}
.house-sky{position:absolute;inset:0;background:radial-gradient(circle at 70% 18%,rgba(255,255,255,.21),transparent 25%),linear-gradient(180deg,#1767ba 0%,#082e63 58%,#041d40 100%)}
.house-ground{position:absolute;left:0;right:0;bottom:0;height:25%;background:linear-gradient(180deg,#204827,#102e1c)}
.house-building{position:absolute;right:8%;bottom:17%;width:72%;height:63%;background:#f2f5f7;border-radius:4px 4px 0 0;box-shadow:0 18px 35px rgba(0,0,0,.25)}
.house-building:before{content:"";position:absolute;left:-16%;top:26%;width:116%;height:8%;background:#d5dce2;box-shadow:0 5px 9px rgba(0,0,0,.15)}
.house-building:after{content:"";position:absolute;right:4%;top:-9%;width:70%;height:12%;background:#fff;transform:skewX(-18deg);transform-origin:right bottom}
.window{position:absolute;background:linear-gradient(180deg,#ffd987,#f3a52e);box-shadow:0 0 18px rgba(255,184,53,.75);border:5px solid #17344f}.w1{left:12%;top:12%;width:30%;height:33%}.w2{right:8%;top:12%;width:37%;height:33%}.w3{left:10%;bottom:8%;width:34%;height:30%}.w4{right:8%;bottom:8%;width:38%;height:30%}
.house-path{position:absolute;right:17%;bottom:0;width:38%;height:22%;background:linear-gradient(160deg,#e2e5e7,#8e9aa4);clip-path:polygon(35% 0,100% 0,78% 100%,0 100%)}
.offer-card{position:absolute;left:0;bottom:22px;background:#fff;border-radius:20px;padding:19px 21px;width:270px;box-shadow:var(--shadow);border:1px solid var(--line)}.offer-card small{font-weight:800;color:var(--muted)}.offer-rate{font-size:3rem;line-height:1;font-weight:900;color:var(--lic-blue);letter-spacing:-.04em}.offer-card p{margin:8px 0 0;color:var(--muted);font-size:.82rem}
.tenure-chip{position:absolute;right:-8px;top:0;background:var(--lic-yellow);color:var(--lic-deep);border-radius:18px;padding:16px 18px;box-shadow:0 18px 35px rgba(233,169,0,.28);font-weight:900;text-align:center}.tenure-chip .big{display:block;font-size:1.45rem}.tenure-chip small{display:block;font-weight:700}
.section{padding:84px 0}.section.alt{background:var(--soft)}
.section-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:34px}.section-title{margin:0;font-size:clamp(2rem,3.7vw,3.5rem);line-height:1.05;letter-spacing:-.035em;color:var(--lic-deep)}.section-sub{max-width:620px;color:var(--muted);margin:10px 0 0}.mini-link{font-weight:800;color:var(--lic-blue)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 12px 30px rgba(3,31,74,.06)}.card h3{margin:12px 0 7px;color:var(--lic-deep);font-size:1.2rem}.card p{color:var(--muted);margin:0}.icon{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:#eef5ff;color:var(--lic-blue);font-size:1.4rem;font-weight:900}.icon.yellow{background:#fff6cf;color:#8d6500}
.product-card{display:flex;flex-direction:column;min-height:230px}.product-card .tag{margin-top:auto;padding-top:18px;color:var(--lic-blue);font-weight:800;font-size:.9rem}
.smart-panel{background:linear-gradient(135deg,var(--lic-deep),var(--lic-blue));color:#fff;border-radius:30px;padding:34px;display:grid;grid-template-columns:1.05fr .95fr;gap:30px;align-items:center;box-shadow:0 30px 70px rgba(3,31,74,.18)}.smart-panel h2{font-size:clamp(2rem,4vw,3.5rem);line-height:1.05;margin:0 0 14px}.smart-panel p{color:#d6e7fa}.smart-panel .btn{margin-top:10px}.smart-stats{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.smart-stat{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.17);border-radius:18px;padding:18px}.smart-stat b{font-size:1.75rem;color:var(--lic-yellow);display:block}.smart-stat span{font-size:.86rem;color:#dceafa}
.form-section{background:linear-gradient(135deg,#f9fcff,#eef6ff)}
.form-layout{display:grid;grid-template-columns:.82fr 1.18fr;gap:30px;align-items:stretch}.contact-copy{background:var(--lic-deep);color:#fff;border-radius:28px;padding:34px;position:relative;overflow:hidden}.contact-copy:after{content:"";position:absolute;width:280px;height:280px;border-radius:50%;right:-110px;bottom:-120px;background:rgba(255,196,0,.18)}.contact-copy h2{font-size:2.4rem;line-height:1.05;margin:0 0 16px}.contact-copy p{color:#d8e7f7}.contact-list{display:grid;gap:14px;margin-top:26px}.contact-item{display:flex;gap:12px;align-items:flex-start;position:relative;z-index:1}.contact-item b{display:block}.contact-item span{color:#cfe0f3;font-size:.9rem}
.form-card{background:#fff;border:1px solid var(--line);border-radius:28px;padding:30px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}.field label{font-weight:800;font-size:.9rem;color:#294562}.field input,.field select,.field textarea{width:100%;border:1px solid #cad9e9;border-radius:12px;padding:13px 14px;outline:none;background:#fff;color:var(--ink)}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--lic-blue);box-shadow:0 0 0 3px rgba(7,59,135,.1)}.field textarea{min-height:110px;resize:vertical}.check{display:flex;gap:9px;align-items:flex-start;font-size:.84rem;color:var(--muted)}.check input{margin-top:3px}.form-status{margin-top:13px;font-size:.9rem;font-weight:700}.form-status.success{color:var(--success)}.form-status.error{color:var(--danger)}
.page-hero{padding:58px 0 45px;background:linear-gradient(135deg,#fff,#eef6ff);border-bottom:1px solid var(--line)}.page-hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center}.page-hero h1{font-size:clamp(2.5rem,5vw,4.8rem);margin:14px 0 15px}.page-hero p{color:var(--muted);font-size:1.08rem;max-width:700px}.page-aside{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px;box-shadow:var(--shadow)}
.notice{padding:14px 16px;border-radius:14px;background:#fff8dc;border:1px solid #f3da7b;color:#6a5200;font-size:.9rem}.notice.blue{background:#eef6ff;border-color:#c7dcf5;color:#174878}.notice.red{background:#fff0f0;border-color:#efc3c3;color:#8e2929}
.pill-row{display:flex;gap:9px;flex-wrap:wrap;margin-top:18px}.pill{padding:8px 11px;border-radius:999px;background:#eef5ff;color:var(--lic-blue);font-weight:800;font-size:.8rem}
.calc-layout{display:grid;grid-template-columns:380px 1fr;gap:24px;align-items:start}.calc-panel{position:sticky;top:100px;background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px;box-shadow:var(--shadow)}.calc-panel h2{margin:0 0 18px}.range-output{display:flex;justify-content:space-between;align-items:center;margin-top:4px;color:var(--muted);font-size:.84rem}.range-output b{color:var(--lic-blue)}input[type=range]{width:100%;accent-color:var(--lic-blue)}
.results{display:grid;gap:18px}.result-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.metric{background:#fff;border:1px solid var(--line);border-radius:18px;padding:17px;box-shadow:0 8px 20px rgba(3,31,74,.05)}.metric small{display:block;color:var(--muted);font-weight:700;margin-bottom:6px}.metric strong{font-size:1.36rem;color:var(--lic-deep);letter-spacing:-.02em}.metric.highlight{background:var(--lic-blue);border-color:var(--lic-blue)}.metric.highlight small,.metric.highlight strong{color:#fff}.metric.yellow{background:#fff8d8;border-color:#f0d56a}
.compare-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}.compare-table th,.compare-table td{padding:14px 13px;text-align:left;border-bottom:1px solid var(--line);font-size:.91rem}.compare-table th{background:#eef5ff;color:var(--lic-deep)}.compare-table tr:last-child td{border-bottom:0}.compare-table .best{color:var(--success);font-weight:900}
.chart-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:20px;box-shadow:0 8px 24px rgba(3,31,74,.05)}.chart-card h3{margin:0 0 12px}.chart-wrap{height:280px;position:relative}.chart-wrap svg{width:100%;height:100%;overflow:visible}.chart-grid line{stroke:#e3ebf4;stroke-width:1}.chart-axis{fill:#667a91;font-size:11px}.line-normal{fill:none;stroke:#0d57ad;stroke-width:4}.line-double{fill:none;stroke:#e9a900;stroke-width:4}.line-alternate{fill:none;stroke:#0f9d67;stroke-width:4}.legend{display:flex;gap:18px;flex-wrap:wrap;margin-top:10px;font-size:.84rem;color:var(--muted)}.legend span:before{content:"";display:inline-block;width:20px;height:4px;border-radius:3px;margin-right:7px;vertical-align:middle}.legend .l1:before{background:#0d57ad}.legend .l2:before{background:#e9a900}.legend .l3:before{background:#0f9d67}
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 18px}.tab-btn{border:1px solid var(--line);background:#fff;color:#3a5673;border-radius:12px;padding:10px 13px;font-weight:800}.tab-btn.active{background:var(--lic-blue);color:#fff;border-color:var(--lic-blue)}.tab-panel{display:none}.tab-panel.active{display:block}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px;background:#fff}.data-table{width:100%;border-collapse:collapse;min-width:760px}.data-table th,.data-table td{padding:12px 13px;border-bottom:1px solid var(--line);font-size:.88rem;text-align:right}.data-table th{background:#eef5ff;color:var(--lic-deep);position:sticky;top:0}.data-table th:first-child,.data-table td:first-child{text-align:left}.data-table tr:last-child td{border-bottom:0}
.fd-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}.rate-card-img{background:#fff;border:1px solid var(--line);border-radius:24px;padding:12px;box-shadow:var(--shadow)}.rate-card-img img{border-radius:16px}.rate-table{width:100%;border-collapse:collapse}.rate-table th,.rate-table td{padding:12px;border-bottom:1px solid var(--line);text-align:center}.rate-table th{background:#eef5ff;color:var(--lic-deep)}.rate-table th:first-child,.rate-table td:first-child{text-align:left}.rate-table tr:last-child td{border-bottom:0}
.connector-hero{background:linear-gradient(135deg,#fff 0%,#f8fbff 50%,#eef6ff 100%)}.growth-art{position:relative;height:330px;background:#fff;border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow);overflow:hidden}.bars{position:absolute;left:10%;right:10%;bottom:13%;height:66%;display:flex;align-items:end;gap:6%}.bar{flex:1;background:linear-gradient(180deg,#63a9ed,#0b4c9f);border-radius:12px 12px 0 0;position:relative}.bar:nth-child(1){height:27%}.bar:nth-child(2){height:43%}.bar:nth-child(3){height:61%}.bar:nth-child(4){height:81%}.bar:nth-child(5){height:100%}.bar:after{content:"₹";position:absolute;top:-30px;left:50%;transform:translateX(-50%);font-weight:900;color:var(--lic-blue)}.growth-arrow{position:absolute;left:16%;right:11%;top:19%;height:110px;border-top:8px solid var(--lic-yellow);transform:skewY(-16deg);filter:drop-shadow(0 6px 8px rgba(233,169,0,.3))}.growth-arrow:after{content:"";position:absolute;right:-4px;top:-19px;border-left:22px solid var(--lic-yellow);border-top:14px solid transparent;border-bottom:14px solid transparent;transform:skewY(16deg)}
.payout-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden}.payout-table th,.payout-table td{padding:14px;border-bottom:1px solid var(--line)}.payout-table th{background:#eef5ff;color:var(--lic-deep);text-align:left}.payout-table tr:last-child td{border-bottom:0}.payout-table td:last-child{font-weight:900;color:var(--lic-blue);text-align:right}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px}.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--lic-yellow);color:var(--lic-deep);font-weight:900}.step h3{margin:14px 0 7px}.step p{margin:0;color:var(--muted)}
.footer{background:var(--lic-deep);color:#d5e3f3;padding:55px 0 22px}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr 1fr;gap:28px}.footer h4{color:#fff;margin:0 0 14px}.footer a{display:block;color:#d5e3f3;margin:8px 0;font-size:.92rem}.footer a:hover{color:#fff}.footer .brand img{width:215px;background:#fff;border-radius:10px;padding:4px}.footer-note{color:#afc2d7;font-size:.84rem;margin-top:14px}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;font-size:.82rem;color:#aac0d7}.social-row{display:flex;gap:9px;margin-top:16px}.social-dot{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.09);font-weight:900}
.floating-actions{position:fixed;right:18px;bottom:18px;z-index:1000;display:grid;gap:10px}.float-btn{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;color:#fff;box-shadow:0 14px 30px rgba(0,0,0,.2);font-size:1.25rem}.float-call{background:var(--lic-blue)}.float-wa{background:#21a366}
.source-list{display:grid;gap:12px}.source-item{padding:14px;border:1px solid var(--line);border-radius:14px;background:#fff}.source-item b{display:block;color:var(--lic-deep)}.source-item a{color:var(--lic-blue);font-weight:800;font-size:.9rem}
@media(max-width:1020px){
  .nav{position:fixed;left:17px;right:17px;top:88px;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:12px;display:none;flex-direction:column;align-items:stretch}.nav.open{display:flex}.nav a{padding:12px 14px}.menu-btn{display:block}.hero-grid,.page-hero-grid,.smart-panel,.form-layout,.fd-grid{grid-template-columns:1fr}.hero-visual{min-height:470px}.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(2,1fr)}.calc-layout{grid-template-columns:1fr}.calc-panel{position:static}.result-cards{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:680px){
  .topbar-inner{justify-content:center}.topbar-links{display:none}.brand{min-width:0}.brand img{width:185px}.nav-wrap{min-height:70px}.hero{padding:50px 0 44px}.hero-grid{gap:30px}.hero-actions{display:grid}.btn{width:100%}.hero-badges{grid-template-columns:1fr}.hero-visual{min-height:390px}.house-card{inset:18px 0 0 0}.offer-card{left:8px;bottom:8px;width:230px}.tenure-chip{right:6px}.section{padding:62px 0}.section-head{align-items:start;flex-direction:column}.grid-4,.grid-3,.grid-2,.steps{grid-template-columns:1fr}.smart-panel{padding:26px}.smart-stats{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.page-hero{padding:42px 0 34px}.result-cards{grid-template-columns:1fr}.calc-panel{padding:18px}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.metric strong{font-size:1.22rem}.topbar{display:none}.chart-wrap{height:230px}.payout-table{font-size:.85rem}.floating-actions{right:12px;bottom:12px}.float-btn{width:48px;height:48px}
}
@media print{.site-header,.topbar,.floating-actions,.footer,.hero-actions,.btn,.form-section{display:none!important}.section,.page-hero{padding:20px 0}.card,.chart-card,.calc-panel{box-shadow:none}body{font-size:11pt}}