/* EMIFORMULA — EMI Guide page */
:root{--guide-ink:#172033;--guide-muted:#536176;--guide-line:#dce3ee;--guide-bg:#f5f7fb;--guide-surface:#fff;--guide-dark:#111827;--guide-accent:#3157d5;--guide-accent-2:#6d3bd1;--guide-focus:#ffb000}
.emi-guide-page{background:var(--guide-bg);color:var(--guide-ink);padding:20px 0 64px}
.guide-container{width:min(1180px,calc(100% - 32px));margin:0 auto}
.guide-breadcrumb{display:flex;gap:9px;align-items:center;flex-wrap:wrap;font-size:.9rem;color:#526078;margin:6px 0 18px}
.guide-breadcrumb a{color:#2447a7;text-decoration:none;font-weight:700}.guide-breadcrumb a:hover{text-decoration:underline}
.guide-breadcrumb a:focus-visible,.guide-article a:focus-visible,.guide-sidebar a:focus-visible,.guide-final-cta a:focus-visible,.checklist input:focus-visible{outline:3px solid var(--guide-focus);outline-offset:3px;border-radius:5px}
.guide-hero{position:relative;overflow:hidden;display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.75fr);gap:28px;align-items:center;border-radius:28px;padding:54px clamp(26px,5vw,64px);background:linear-gradient(120deg,#101b46 0%,#253e9a 52%,#5630a6 100%);color:#fff;box-shadow:0 20px 55px rgba(26,39,86,.22);isolation:isolate}
.guide-hero:before,.guide-hero:after{content:"";position:absolute;border-radius:50%;filter:blur(2px);z-index:-1;opacity:.28;animation:guideFloat 9s ease-in-out infinite}.guide-hero:before{width:250px;height:250px;background:#45d6ff;right:-70px;top:-100px}.guide-hero:after{width:210px;height:210px;background:#c44dff;left:38%;bottom:-150px;animation-delay:-3s}
.guide-kicker{margin:0 0 10px;text-transform:uppercase;letter-spacing:.13em;font-weight:800;font-size:.78rem;color:#d9e5ff}.guide-hero h1{font-size:clamp(2rem,4.2vw,3.55rem);line-height:1.08;letter-spacing:-.035em;margin:0 0 18px;max-width:800px}.guide-lead{font-size:clamp(1rem,1.5vw,1.18rem);line-height:1.7;color:#edf2ff;max-width:780px;margin:0}.guide-hero-actions{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-top:28px}.guide-primary-cta,.guide-final-cta a{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:12px;background:#fff;color:#152b72;text-decoration:none;font-weight:800;box-shadow:0 8px 20px rgba(0,0,0,.16);transition:transform .2s ease,box-shadow .2s ease}.guide-primary-cta:hover,.guide-final-cta a:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(0,0,0,.22)}.guide-reading-time{font-size:.88rem;color:#dbe5ff}
.guide-hero-visual{min-height:280px;position:relative}.hero-orbit{position:absolute;inset:22px 15px;border:1px solid rgba(255,255,255,.24);border-radius:50%;transform:rotate(-18deg);animation:orbitSpin 18s linear infinite}.hero-orbit:after{content:"";position:absolute;width:15px;height:15px;border-radius:50%;background:#fff;box-shadow:0 0 0 8px rgba(255,255,255,.12);top:14%;right:9%}.floating-card{position:absolute;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);backdrop-filter:blur(12px);border-radius:18px;box-shadow:0 18px 35px rgba(0,0,0,.18);display:flex;flex-direction:column;gap:6px}.floating-card-main{width:220px;padding:22px;right:5%;top:30%;animation:guideFloat 5s ease-in-out infinite}.floating-card-main span,.floating-card-small span{font-size:.82rem;color:#dce6ff}.floating-card-main strong{font-size:1.5rem}.floating-card-small{padding:14px 16px;left:4%;bottom:16%;flex-direction:row;align-items:center;gap:9px;animation:guideFloat 6s ease-in-out infinite -2s}.floating-card-small b{font-size:1.1rem}
.guide-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:28px;align-items:start;margin-top:28px}.guide-article{min-width:0}.guide-intro-card,.guide-section,.faq-section,.guide-note{background:var(--guide-surface);border:1px solid var(--guide-line);border-radius:18px;box-shadow:0 8px 24px rgba(28,40,72,.055)}.guide-intro-card{padding:26px 28px;margin-bottom:20px;border-left:5px solid var(--guide-accent)}.guide-intro-card p{font-size:1.08rem;line-height:1.8;margin:0 0 12px}.guide-intro-card p:last-child{margin-bottom:0}
.guide-section{position:relative;padding:32px 30px;margin:20px 0;scroll-margin-top:100px}.section-number{display:inline-block;color:#3157d5;font-weight:900;font-size:.76rem;letter-spacing:.1em;margin-bottom:8px}.guide-section h2,.faq-heading h2,.guide-final-cta h2,.guide-note h2{font-size:clamp(1.45rem,2.4vw,2rem);line-height:1.25;color:var(--guide-dark);margin:0 0 14px}.guide-section h3{font-size:1.15rem;color:var(--guide-dark);margin:24px 0 7px}.guide-section p,.guide-section li,.faq-section p,.guide-note p{font-size:1rem;line-height:1.78;color:#344257}.guide-section p{margin:0 0 14px}.guide-section p:last-child{margin-bottom:0}.guide-section ul,.guide-section ol{padding-left:22px}.inline-link{color:#2146b3;text-decoration:underline;text-decoration-thickness:1.5px;text-underline-offset:3px;font-weight:750}
.guide-callout{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 20px;border-radius:16px;margin:20px 0}.guide-callout-accent{background:#172b68;color:#fff;box-shadow:0 12px 30px rgba(23,43,104,.16)}.guide-callout-accent strong{display:block;color:#fff;font-size:1rem}.guide-callout-accent span{display:block;color:#e8eeff;line-height:1.55;margin-top:3px}.guide-callout-accent a{color:#fff;font-weight:800;white-space:nowrap}.guide-callout-accent .inline-link{color:#fff}.guide-callout-soft{background:#edf2ff;border:1px solid #cbd7ff}.guide-callout-soft strong{display:block;color:#172b68}.guide-callout-soft span{display:block;color:#344257;margin-top:4px}
.two-column-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px}.concept-card{border:1px solid var(--guide-line);border-radius:16px;padding:21px;background:#fbfcff}.concept-icon{display:grid;place-items:center;width:38px;height:38px;border-radius:11px;background:#e7edff;color:#1d43ae;font-weight:900}.concept-card h3{margin:12px 0 7px}.concept-card p{margin:0}.formula-box{overflow:auto;padding:19px;border-radius:14px;background:#131c32;color:#fff;font:700 1.12rem/1.5 Georgia,serif;text-align:center;margin:16px 0}.definition-list{list-style:none;padding:0!important;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.definition-list li{padding:13px;border:1px solid var(--guide-line);border-radius:12px;background:#fbfcff}
.example-grid{display:grid;grid-template-columns:1.1fr .9fr;border:1px solid var(--guide-line);border-radius:16px;overflow:hidden;margin:18px 0}.example-inputs{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--guide-line)}.example-inputs div{background:#fff;padding:18px}.example-inputs span,.example-result span{display:block;color:#58667b;font-size:.86rem}.example-inputs strong{display:block;font-size:1.1rem;color:#172033;margin-top:5px}.example-result{display:flex;flex-direction:column;justify-content:center;padding:25px;background:#eaf0ff}.example-result strong{font-size:1.7rem;color:#172b68;margin:7px 0}.example-result small{line-height:1.6;color:#3d4d66}.comparison-strip{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0}.comparison-strip div{padding:17px;border-radius:14px;background:#f0f3f9;border:1px solid var(--guide-line)}.comparison-strip strong,.comparison-strip span{display:block}.comparison-strip strong{color:#172033}.comparison-strip span{margin-top:6px;color:#4c5b70;line-height:1.55}.mini-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}.mini-facts div{padding:17px;border-radius:14px;background:#f7f8fb;border:1px solid var(--guide-line);text-align:center}.mini-facts strong,.mini-facts span{display:block}.mini-facts strong{color:#172033}.mini-facts span{font-size:.88rem;color:#536176;margin-top:5px}.timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:20px;border:1px solid var(--guide-line);border-radius:15px;overflow:hidden}.timeline div{padding:18px;background:#fff;border-right:1px solid var(--guide-line)}.timeline div:last-child{border-right:0}.timeline b,.timeline span{display:block}.timeline b{color:#1c347c}.timeline span{font-size:.9rem;color:#56647a;margin-top:5px}.table-wrap{overflow-x:auto;margin:18px 0}.table-wrap table{width:100%;min-width:590px;border-collapse:collapse;background:#fff}.table-wrap caption{text-align:left;padding:0 0 10px;font-weight:800;color:#172033}.table-wrap th,.table-wrap td{padding:12px 13px;border:1px solid var(--guide-line);text-align:left}.table-wrap th{background:#172b68;color:#fff}.table-wrap td{color:#344257}.table-note{font-size:.86rem!important;color:#68758a!important}.check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:16px 0}.check-grid span{padding:12px 14px;border:1px solid var(--guide-line);border-radius:10px;background:#fbfcff;color:#344257}.steps-list{display:grid;gap:11px}.steps-list li{padding-left:5px}.large-calculator-card{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:15px;margin-top:22px;padding:18px 20px;border-radius:17px;background:linear-gradient(100deg,#182e73,#4930a3);color:#fff;text-decoration:none;box-shadow:0 12px 28px rgba(38,44,122,.2);transition:transform .2s ease,box-shadow .2s ease}.large-calculator-card:hover{transform:translateY(-3px);box-shadow:0 17px 32px rgba(38,44,122,.27)}.large-calculator-card strong,.large-calculator-card small{display:block}.large-calculator-card strong{font-size:1.04rem}.large-calculator-card small{color:#e2e8ff;margin-top:3px}.large-calculator-icon{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:rgba(255,255,255,.14);font-weight:900}.mistake-list{display:grid;gap:10px}.mistake-list div{padding:15px 17px;border-left:4px solid #3157d5;background:#f7f8fb;border-radius:0 12px 12px 0}.mistake-list strong{color:#172033}.mistake-list p{margin:4px 0 0}.checklist{display:grid;grid-template-columns:1fr 1fr;gap:11px}.checklist label{display:flex;gap:10px;align-items:flex-start;padding:12px 14px;border:1px solid var(--guide-line);border-radius:11px;background:#fbfcff;color:#344257;line-height:1.5}.checklist input{margin-top:4px;accent-color:#3157d5}.faq-section{padding:30px;margin:20px 0;scroll-margin-top:100px}.faq-heading{margin-bottom:14px}.faq-heading p{margin:0 0 10px}.faq-section details{border-top:1px solid var(--guide-line);padding:0}.faq-section summary{cursor:pointer;list-style:none;padding:17px 35px 17px 0;font-weight:800;color:#172033;position:relative}.faq-section summary::-webkit-details-marker{display:none}.faq-section summary:after{content:"+";position:absolute;right:3px;top:13px;font-size:1.4rem;color:#3157d5}.faq-section details[open] summary:after{content:"−"}.faq-section details p{padding:0 0 17px;margin:0}.guide-final-cta{margin:24px 0;padding:34px;border-radius:20px;background:linear-gradient(120deg,#14285e,#4030a1);color:#fff;box-shadow:0 18px 40px rgba(29,39,104,.18)}.guide-final-cta .guide-kicker{color:#d9e5ff}.guide-final-cta h2{color:#fff}.guide-final-cta p{color:#e6ebff;line-height:1.7}.guide-final-cta a{margin-top:8px}.guide-note{padding:25px 28px}.guide-note h2{font-size:1.2rem}.guide-note p{font-size:.92rem}.guide-sidebar{min-width:0}.sidebar-card{background:#fff;border:1px solid var(--guide-line);border-radius:17px;padding:20px;box-shadow:0 8px 24px rgba(28,40,72,.055);margin-bottom:16px}.sidebar-sticky{position:sticky;top:20px}.sidebar-label{font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;font-weight:900;color:#3157d5;margin:0 0 9px}.sidebar-sticky a{display:block;padding:8px 0;color:#344257;text-decoration:none;border-bottom:1px solid #eef1f6;font-size:.92rem}.sidebar-sticky a:hover{color:#2146b3}.sidebar-sticky a:last-child{border-bottom:0}.sidebar-calculator{background:#172b68;color:#fff}.sidebar-calculator>span{display:grid;place-items:center;width:46px;height:46px;border-radius:13px;background:rgba(255,255,255,.12);font-weight:900}.sidebar-calculator h2{font-size:1.25rem;margin:15px 0 8px;color:#fff}.sidebar-calculator p{color:#e6ebff;line-height:1.6;font-size:.92rem}.sidebar-calculator a{display:inline-block;color:#fff;font-weight:800;margin-top:5px}
@keyframes guideFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}@keyframes orbitSpin{to{transform:rotate(342deg)}}
@media(max-width:900px){.guide-hero{grid-template-columns:1fr}.guide-hero-visual{min-height:180px;max-width:520px;width:100%;margin:auto}.guide-layout{grid-template-columns:1fr}.guide-sidebar{order:-1}.sidebar-sticky{position:static}.sidebar-sticky a{display:inline-block;margin-right:14px;border:0}.sidebar-sticky{padding:16px}.sidebar-calculator{display:none}}
@media(max-width:650px){.guide-container{width:min(100% - 20px,1180px)}.emi-guide-page{padding-top:10px}.guide-hero{padding:36px 22px;border-radius:20px}.guide-hero h1{font-size:2rem}.guide-hero-visual{min-height:145px}.floating-card-main{width:190px;right:0;top:15%}.floating-card-small{left:0;bottom:4%}.guide-section,.guide-intro-card,.faq-section,.guide-note{padding:23px 19px;border-radius:15px}.guide-callout{align-items:flex-start;flex-direction:column}.guide-callout a{white-space:normal}.two-column-cards,.definition-list,.example-grid,.comparison-strip,.mini-facts,.timeline,.check-grid,.checklist{grid-template-columns:1fr}.timeline div{border-right:0;border-bottom:1px solid var(--guide-line)}.timeline div:last-child{border-bottom:0}.example-inputs{grid-template-columns:1fr 1fr}.guide-final-cta{padding:27px 21px}.guide-reading-time{width:100%}}
@media(prefers-reduced-motion:reduce){.guide-hero:before,.guide-hero:after,.floating-card,.hero-orbit{animation:none}.guide-primary-cta,.guide-final-cta a,.large-calculator-card{transition:none}}