/* SGFinanceCalculators — Loans Silo — Tool #2
   Singapore Flat Rate vs EIR Calculator (P134)
   File: flat-vs-effective-interest-rate-calculator.css
   Accent: Indigo #4338CA — Loans silo brand */
:root{
  --navy:#002868;--navy-d:#00183F;--navy-l:#EAF0FA;
  --red:#BF0A30;--green:#00875A;--green-l:#ECFDF5;--white:#FFFFFF;
  --charcoal:#1D1D1F;--gray:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;
  --indigo:#4338CA;--indigo-d:#3730A3;--indigo-l:#EEF2FF;--indigo-m:#4F46E5;
  --violet:#7C3AED;--violet-l:#F5F3FF;
  --teal:#0D9488;--teal-l:#CCFBF1;
  --orange:#EA580C;--orange-l:#FFF7ED;
}
.tool-wrap{font-family:'Inter',sans-serif;font-size:15px;color:var(--gray);line-height:1.65;max-width:1180px;margin:0 auto;padding:0 16px 72px;box-sizing:border-box}
.cp-breadcrumb{display:flex;align-items:center;gap:6px;font-size:12px;padding:14px 0 4px;flex-wrap:wrap}
.cp-breadcrumb a{color:var(--indigo);text-decoration:none}.cp-breadcrumb a:hover{text-decoration:underline}
.cp-breadcrumb .sep{color:var(--border)}
.tool-wrap h2{font-family:'Montserrat',sans-serif;font-size:clamp(20px,2.8vw,27px);font-weight:800;color:var(--navy);margin:52px 0 16px;line-height:1.25;letter-spacing:-.3px}
.tool-wrap h3{font-family:'Montserrat',sans-serif;font-size:clamp(15px,2vw,19px);font-weight:700;color:var(--charcoal);margin:24px 0 10px;line-height:1.3}
.tool-wrap p{margin-bottom:14px}
.tool-wrap ul{padding-left:20px;margin-bottom:14px}.tool-wrap ul li{margin-bottom:7px}
.tool-wrap a{color:var(--indigo);text-decoration:none}.tool-wrap a:hover{text-decoration:underline}
/* Hero */
.tool-hero{background:linear-gradient(130deg,var(--navy-d) 0%,var(--indigo-d) 55%,var(--indigo) 100%);border-radius:16px;padding:40px 38px 36px;margin:8px 0 28px;position:relative;overflow:hidden}
.tool-hero::after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 55% 70% at 88% 50%,rgba(99,102,241,.28) 0%,transparent 55%),radial-gradient(ellipse 30% 40% at 5% 80%,rgba(191,10,48,.1) 0%,transparent 50%);pointer-events:none}
.th-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.9);font-size:10.5px;font-weight:700;letter-spacing:1px;text-transform:uppercase;padding:4px 12px;border-radius:20px;margin-bottom:14px;position:relative;z-index:1}
.th-dot{width:6px;height:6px;background:#c7d2fe;border-radius:50%;animation:blI 1.4s infinite}
@keyframes blI{0%,100%{opacity:1}50%{opacity:.3}}
.tool-hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(22px,3.2vw,36px);font-weight:800;color:#fff;line-height:1.13;margin:0 0 12px;letter-spacing:-.5px;position:relative;z-index:1}
.tool-hero h1 em{font-style:normal;color:#c7d2fe}
.th-sub{font-size:15px;color:rgba(255,255,255,.72);max-width:660px;line-height:1.65;position:relative;z-index:1}
/* Info band */
.info-band{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:0 0 28px}
.ib-card{background:var(--white);border:1.5px solid var(--border);border-top:3px solid var(--indigo);border-radius:10px;padding:14px 16px;text-align:center}
.ib-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:var(--indigo);line-height:1.1}
.ib-lbl{font-size:11px;color:var(--gray);margin-top:4px;line-height:1.4}
/* Calc section */
.calc-section{background:var(--bg);border-radius:14px;padding:28px;margin:0 0 44px;border:1px solid var(--border)}
.calc-ttl{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--indigo);text-transform:uppercase;letter-spacing:.8px;margin-bottom:22px;display:flex;align-items:center;gap:8px}
.calc-ttl::before{content:'';display:block;width:3px;height:16px;background:var(--indigo);border-radius:2px}
/* Mode tabs */
.mode-tabs{display:flex;gap:8px;margin-bottom:20px;flex-wrap:wrap}
.mode-tab{padding:9px 18px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;border:1.5px solid var(--border);border-radius:7px;color:var(--gray);background:var(--white);cursor:pointer;transition:all .2s}
.mode-tab:hover{border-color:var(--indigo);color:var(--indigo)}
.mode-tab.active{background:var(--indigo);color:#fff;border-color:var(--indigo)}
.mode-panel{display:none}.mode-panel.active{display:block}
/* Grid */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.input-panel{display:flex;flex-direction:column;gap:14px}
.inp-block{background:var(--white);border:1px solid var(--border);border-radius:10px;overflow:hidden}
.inp-block-hd{background:var(--navy);padding:9px 16px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:rgba(255,255,255,.9);letter-spacing:.7px;text-transform:uppercase}
.inp-block-body{padding:16px;display:flex;flex-direction:column;gap:12px}
.form-row{display:flex;flex-direction:column;gap:5px}
.form-row>label{font-size:12.5px;font-weight:600;color:var(--charcoal)}
.form-row .hint{font-size:11px;color:var(--gray);margin-top:-2px}
.form-row-2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.inp-wrap{display:flex;align-items:stretch;border:1.5px solid var(--border);border-radius:7px;overflow:hidden;background:var(--white);transition:border-color .2s,box-shadow .2s}
.inp-wrap:focus-within{border-color:var(--indigo);box-shadow:0 0 0 3px rgba(67,56,202,.1)}
.inp-pre,.inp-suf{background:var(--bg);padding:9px 10px;font-size:12.5px;font-weight:600;color:var(--gray);border-right:1px solid var(--border);flex-shrink:0;display:flex;align-items:center}
.inp-suf{border-right:none;border-left:1px solid var(--border)}
.inp-wrap input{flex:1;min-width:0;border:none;outline:none;padding:9px 12px;font-family:'Inter',sans-serif;font-size:14px;color:var(--charcoal);background:transparent}
input[type=number]::-webkit-inner-spin-button,input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
.form-row select{width:100%;border:1.5px solid var(--border);border-radius:7px;padding:9px 11px;font-family:'Inter',sans-serif;font-size:13.5px;color:var(--charcoal);background:var(--white);outline:none;cursor:pointer;transition:border-color .2s}
.form-row select:focus{border-color:var(--indigo)}
/* Offer A/B panels */
.offer-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.offer-panel{background:var(--white);border-radius:10px;overflow:hidden;border:2px solid var(--border)}
.offer-panel.a{border-color:var(--indigo)}.offer-panel.b{border-color:var(--violet)}
.offer-hd{padding:9px 14px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:#fff;text-align:center}
.offer-panel.a .offer-hd{background:var(--indigo)}.offer-panel.b .offer-hd{background:var(--violet)}
.offer-body{padding:14px;display:flex;flex-direction:column;gap:10px}
/* Buttons */
.calc-actions{display:flex;flex-direction:column;gap:10px;margin-top:4px}
.btn-calc{width:100%;padding:13px 20px;background:var(--indigo);color:#fff;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;cursor:pointer;transition:background .2s,transform .15s;display:flex;align-items:center;justify-content:center;gap:8px}
.btn-calc:hover{background:var(--indigo-d);transform:translateY(-1px)}
.btn-row2{display:flex;gap:10px}
.btn-pdf{flex:1;padding:12px 16px;background:var(--navy-l);color:var(--navy);border:1.5px solid var(--navy);border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;cursor:pointer;transition:all .2s;display:flex;align-items:center;justify-content:center;gap:6px;white-space:nowrap}
.btn-pdf:hover{background:var(--navy);color:#fff}
.btn-wa{flex:1;padding:12px 16px;background:#25D366;color:#fff;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;cursor:pointer;transition:background .2s;display:flex;align-items:center;justify-content:center;gap:6px;white-space:nowrap}
.btn-wa:hover{background:#1ebe5d}
/* Results */
.results-panel{display:flex;flex-direction:column;gap:14px}
.d-none{display:none !important}
.res-placeholder{background:var(--white);border:2px dashed var(--border);border-radius:12px;padding:48px 20px;text-align:center}
.ph-icon{font-size:52px;opacity:.35;margin-bottom:12px}
.ph-title{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:700;color:var(--charcoal);margin-bottom:6px}
.ph-sub{font-size:13px;color:var(--gray)}
/* Conversion result */
.conv-hero{background:linear-gradient(135deg,var(--indigo-d),var(--indigo-m));border-radius:12px;padding:22px;display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;align-items:center;text-align:center}
.ch-arrow{font-size:32px;color:rgba(255,255,255,.5);display:flex;align-items:center;justify-content:center}
.ch-box{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);border-radius:10px;padding:14px}
.ch-box.gold{background:rgba(255,255,255,.25);border:2px solid rgba(255,255,255,.45)}
.ch-label{font-size:10px;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}
.ch-val{font-family:'Montserrat',sans-serif;font-size:26px;font-weight:800;color:#fff;line-height:1}
.ch-sub{font-size:11px;color:rgba(255,255,255,.6);margin-top:4px}
/* Multiplier table */
.mult-card{background:var(--white);border:1px solid var(--border);border-radius:10px;overflow:hidden}
.mc-hd{background:var(--navy);padding:10px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:.5px}
.mc-table{width:100%;border-collapse:collapse;font-size:12.5px}
.mc-table th{background:var(--bg);padding:7px 10px;font-size:10.5px;font-weight:700;color:var(--gray);text-transform:uppercase;border-bottom:1px solid var(--border);text-align:right}
.mc-table th:first-child{text-align:left}
.mc-table td{padding:7px 10px;border-bottom:1px solid var(--border);text-align:right}
.mc-table td:first-child{text-align:left;font-weight:600;color:var(--charcoal)}
.mc-table tr.sel-row{background:var(--indigo-l);font-weight:700}
.mc-flat{color:var(--indigo);font-weight:700}.mc-eir{color:var(--red);font-weight:700}
.mc-mult{font-size:10.5px;color:var(--gray);font-weight:600}
/* Bank offer comparison */
.offer-result{background:var(--white);border:1px solid var(--border);border-radius:10px;overflow:hidden}
.or-hd{background:var(--navy);padding:10px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:.5px}
.or-grid{display:grid;grid-template-columns:1fr 1fr;gap:0}
.or-col{padding:16px}
.or-col.a-col{background:var(--indigo-l);border-right:1px solid var(--border)}
.or-col.b-col{background:var(--violet-l)}
.or-col-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.3px;margin-bottom:10px}
.or-col.a-col .or-col-title{color:var(--indigo)}.or-col.b-col .or-col-title{color:var(--violet)}
.or-row{display:flex;justify-content:space-between;padding:5px 0;border-bottom:1px dashed var(--border);font-size:12.5px}
.or-row:last-child{border-bottom:none;font-weight:800;font-size:14px;padding-top:8px}
.or-lbl{color:var(--gray)}.or-val{font-weight:700}
.winner-banner{padding:10px 14px;text-align:center;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;border-top:1px solid var(--border)}
/* Chart */
.chart-card{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:18px}
.chart-ttl{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px;margin-bottom:14px}
#eirChart{max-height:200px}
/* content sections */
.how-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:20px 0}
.how-step{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:18px 14px;text-align:center}
.how-num{width:38px;height:38px;background:var(--indigo);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:800;font-size:15px;margin:0 auto 12px}
.how-step h3{font-size:13px;color:var(--navy);margin:0 0 6px}
.how-step p{font-size:12px;color:var(--gray);margin:0}
.example-box{background:var(--indigo-l);border:1.5px solid rgba(67,56,202,.2);border-left:4px solid var(--indigo);border-radius:8px;padding:20px 22px;margin:20px 0}
.example-box h3{color:var(--indigo-d);margin:0 0 14px}
.eg-row{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:8px 0;border-bottom:1px solid rgba(67,56,202,.12);font-size:13px}
.eg-row:last-child{border-bottom:none}
.eg-row .er-lbl{color:var(--gray);flex:1;min-width:0;line-height:1.6}.eg-row .er-val{font-weight:700;color:var(--indigo-d);flex-shrink:0;max-width:185px;text-align:right;line-height:1.45;font-size:12.5px}
.eg-row.eg-total .er-val{color:var(--navy);font-size:13.5px;max-width:220px}
.tips-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:20px 0}
.tip-card{background:var(--white);border:1.5px solid var(--border);border-top:4px solid var(--indigo);border-radius:10px;padding:20px;transition:box-shadow .2s,transform .2s}
.tip-card:hover{box-shadow:0 6px 20px rgba(0,40,104,.1);transform:translateY(-2px)}
.tip-icon{font-size:28px;margin-bottom:10px}
.tip-card h3{font-size:14px;color:var(--navy);margin:0 0 8px}
.tip-card p{font-size:13px;color:var(--gray);margin:0}
.faq-list{display:flex;flex-direction:column;gap:8px;margin:20px 0}
.faq-item{background:var(--white);border:1.5px solid var(--border);border-radius:8px;overflow:hidden}
.faq-item[open]{border-color:var(--indigo)}
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 18px;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:var(--charcoal);cursor:pointer;list-style:none;user-select:none}
.faq-q::-webkit-details-marker{display:none}
.faq-q::after{content:'+';font-size:20px;font-weight:400;color:var(--indigo);flex-shrink:0;line-height:1}
.faq-item[open] .faq-q::after{content:'-'}
.faq-a{display:none;padding:14px 18px 18px;font-size:14px;color:var(--gray);line-height:1.72;border-top:1px solid var(--border)}
details.faq-item[open] .faq-a{display:block !important}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:20px 0}
.rel-card{display:flex;align-items:center;gap:12px;background:var(--white);border:1.5px solid var(--border);border-radius:10px;padding:14px 16px;text-decoration:none;transition:all .2s}
.rel-card:hover{border-color:var(--indigo);box-shadow:0 4px 14px rgba(67,56,202,.15);transform:translateY(-2px)}
.rel-icon{font-size:22px;width:44px;height:44px;background:var(--indigo-l);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.rel-info .rel-name{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--charcoal);margin:0 0 3px;display:block}
.rel-info p{font-size:11px;color:var(--gray);margin:0}
.disclaimer-box{background:var(--bg);border:1px solid var(--border);border-left:4px solid var(--gray);border-radius:8px;padding:20px 24px;margin:44px 0 0;font-size:13px;color:var(--gray);line-height:1.72}
.disclaimer-box h2{font-size:16px !important;color:var(--charcoal) !important;margin:0 0 10px !important}
@media(max-width:900px){.calc-grid{grid-template-columns:1fr !important}.info-band{grid-template-columns:repeat(2,1fr)}.tips-grid{grid-template-columns:1fr}.how-steps{grid-template-columns:repeat(2,1fr)}.related-grid{grid-template-columns:repeat(2,1fr)}.offer-grid{grid-template-columns:1fr}.conv-hero{grid-template-columns:1fr}.ch-arrow{display:none}.or-grid{grid-template-columns:1fr}.tool-hero{padding:28px 22px 26px}}
@media(max-width:640px){.info-band{grid-template-columns:repeat(2,1fr)}.related-grid{grid-template-columns:1fr}.btn-row2{flex-direction:column !important}.tool-wrap h2{margin-top:36px}.mode-tabs{gap:6px}.mode-tab{padding:7px 12px;font-size:11px}}
.example-box{overflow-x:hidden}
@media(max-width:768px){
.eg-row{flex-direction:column!important;gap:4px!important;align-items:flex-start!important}
.eg-row .er-val{text-align:left!important;max-width:100%!important;font-size:12px!important;width:100%!important}
.eg-row.eg-total .er-val{font-size:13px!important}
}
@media(min-width:769px){
.eg-row{gap:16px!important;align-items:flex-start!important}
.eg-row .er-lbl{flex:1!important;min-width:0!important}
.eg-row .er-val{flex-shrink:0!important;max-width:190px!important;text-align:right!important;font-size:12.5px!important}
.eg-row.eg-total .er-val{max-width:220px!important;font-size:13.5px!important}
}