#emi{--navy:#262a38;--navy2:#1c2030;--ink:#1f2937;--text:#374151;--muted:#5b6474;--line:#e7e1d8;--cream:#faf7f2;--bronze:#b0784e;--bronze-d:#8a5a35;--bronze-xl:#f3e6da;--err:#b0402c;font-family:'Plus Jakarta Sans',Jakarta,'Segoe UI',system-ui,sans-serif;color:var(--text);font-size:16px;line-height:1.5;max-width:900px!important;margin:0 auto!important;scroll-margin-top:90px}
#emi *{box-sizing:border-box}
#emi .emi-head{background:radial-gradient(700px 240px at 90% -40%,rgba(176,120,78,.35),transparent 60%),linear-gradient(180deg,#232837,#1a1e2c);color:#fff;border-radius:18px 18px 0 0;padding:22px 26px 18px;position:relative}
#emi .emi-head h1{font-family:inherit;font-weight:800;margin:0;font-size:24px;line-height:1.2;color:#fff;letter-spacing:-.01em;display:flex;gap:12px;align-items:center}
#emi .emi-head h1 img{width:46px;height:46px;border-radius:12px}
#emi .emi-head p{margin:6px 0 0;color:#cfd3de;font-size:14px}
#emi .emi-head .lock{display:inline-flex;gap:6px;align-items:center;margin-top:10px;font-size:12.5px;color:#f3d9b9;border:1px solid rgba(217,167,127,.5);border-radius:999px;padding:4px 10px}
#emi .emi-bar{height:4px;background:#ece5db}#emi .emi-bar i{display:block;height:100%;width:0;background:linear-gradient(90deg,#8a5a35,#d9a77f);transition:width .3s}
#emi .emi-prog{display:flex;gap:4px;overflow-x:auto;padding:12px 16px;background:#fff;border-left:1px solid var(--line);border-right:1px solid var(--line);scrollbar-width:thin}
#emi .emi-prog button{min-height:36px;flex:0 0 auto;display:flex;align-items:center;gap:6px;background:transparent;border:0;padding:6px 8px;border-radius:999px;font-weight:600;font-size:12.5px;font-family:inherit;color:var(--muted);cursor:pointer}
#emi .emi-prog button span{width:22px;height:22px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:#efe9e1;color:var(--muted);font-size:11.5px;font-weight:800}
#emi .emi-prog button em{font-style:normal}
#emi .emi-prog button.on{color:var(--navy)}#emi .emi-prog button.on span{background:var(--navy);color:#e6bc80}
#emi .emi-prog button.done span{background:var(--bronze);color:#fff}
#emi .emi-prog button:disabled{opacity:.55;cursor:default}
#emi .emi-body{background:var(--cream);border:1px solid var(--line);border-top:0;border-radius:0 0 18px 18px;padding:22px}
#emi .intro h2,#emi .done h2{margin:0 0 8px;color:var(--ink);font-size:22px}
#emi .intro{margin-bottom:14px}
#emi .card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 18px 8px;margin-bottom:14px;box-shadow:0 1px 2px rgba(28,32,48,.04),0 6px 20px rgba(28,32,48,.05)}
#emi .card h3{margin:0 0 12px;font-size:18px;color:var(--ink)}
#emi .p{margin:-6px 0 12px;color:var(--muted);font-size:14.5px}
#emi .g{display:grid;grid-template-columns:1fr 1fr;gap:12px 14px;margin-bottom:10px}
#emi .f{display:flex;flex-direction:column;gap:5px;min-width:0;border:0;margin:0;padding:0}
#emi .f.full{grid-column:1/-1}
#emi .f .l,#emi legend{font-weight:650;font-size:14px;color:var(--ink);padding:0}
#emi .f .l i,#emi legend i{color:var(--bronze-d);font-style:normal}
#emi .f small,#emi legend small{display:block;font-weight:500;color:var(--muted);font-size:12.5px}
#emi .in{position:relative;display:flex;align-items:center}
#emi input:not([type=checkbox]):not([type=radio]):not([type=file]),#emi select,#emi textarea{width:100%;font-weight:500;font-size:16px;font-family:inherit;padding:11px 12px;border:1px solid #d6cfc3;border-radius:10px;background:#fff;color:var(--ink);min-height:46px}
#emi .money input{padding-left:28px!important}#emi .pre{position:absolute;left:12px;color:var(--muted);font-weight:600;pointer-events:none}
#emi input:focus,#emi select:focus,#emi textarea:focus{outline:2px solid rgba(176,120,78,.45);outline-offset:1px;border-color:var(--bronze)}
#emi .f.err input,#emi .f.err select,#emi .f.err textarea{border-color:var(--err);background:#fff7f5}
#emi .f.err[data-e] .l:after,#emi .f.err[data-e] legend:after{content:" · " attr(data-e);color:var(--err);font-weight:700;font-size:13px}
#emi .chk.err[data-e]{flex-wrap:wrap}#emi .chk.err[data-e]:after{content:attr(data-e);flex-basis:100%;color:var(--err);font-weight:700;font-size:13px;padding-left:30px}
#emi .f.err .radios .rad{border-color:var(--err)}
#emi .radios{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:8px}#emi .radios.sm{grid-template-columns:repeat(2,minmax(84px,120px))}#emi .radios.sm.three{grid-template-columns:repeat(3,minmax(84px,120px))}
#emi .rad{display:flex;gap:10px;align-items:flex-start;border:1px solid #d6cfc3;border-radius:12px;padding:11px 12px;background:#fff;cursor:pointer}
#emi .rad input{margin-top:3px;accent-color:var(--bronze);width:18px;height:18px}
#emi .rad b{display:block;color:var(--ink);font-size:14.5px}#emi .rad em{display:block;font-style:normal;color:var(--muted);font-size:12.5px}
#emi .rad.on{border-color:var(--bronze);background:#fdf8f3;box-shadow:inset 0 0 0 1px var(--bronze)}
#emi .chk{flex-direction:row;gap:10px;align-items:flex-start;background:#fdfbf8;border:1px solid var(--line);border-radius:12px;padding:12px;font-size:14.5px;color:var(--ink)}
#emi .chk input{width:20px;height:20px;accent-color:var(--bronze);flex:0 0 auto;margin-top:1px}
#emi .chk.err{border-color:var(--err)}
#emi .lst{grid-column:1/-1;margin-bottom:10px}
#emi .lst-h b{display:block;margin-bottom:8px;color:var(--ink);font-size:14.5px}
#emi .lst-i{border:1px solid var(--line);border-radius:12px;padding:12px;background:#fdfbf8;margin-bottom:8px}
#emi .lst-i .g{grid-template-columns:repeat(auto-fit,minmax(150px,1fr));margin-bottom:6px}
#emi .x{background:none;border:0;color:var(--err);font-weight:600;font-size:14px;font-family:inherit;cursor:pointer;padding:10px 4px;min-height:40px;line-height:1.2;text-decoration:underline;text-underline-offset:3px}
#emi .addb{background:#fff;border:1.5px dashed var(--bronze);color:var(--bronze-d);border-radius:12px;padding:10px 14px;font-weight:700;font-size:14px;font-family:inherit;cursor:pointer;width:100%}
#emi .nav{display:flex;justify-content:space-between;gap:10px;margin-top:8px}
#emi .b1{background:var(--bronze-d);color:#fff;border:0;border-radius:8px;padding:14px 24px;font-weight:700;font-size:16px;font-family:inherit;cursor:pointer;min-height:48px}
#emi .b1:hover{background:#7a4e2d}#emi .b1:disabled{opacity:.6}
#emi .b2{background:#fff;color:var(--navy);border:1px solid var(--navy);border-radius:8px;padding:13px 20px;font-weight:700;font-size:15px;font-family:inherit;cursor:pointer}
#emi .docs{display:grid;gap:8px;margin-bottom:10px}
#emi .doc{display:flex;justify-content:space-between;align-items:center;gap:12px;border:1px solid var(--line);border-left:4px solid var(--bronze);border-radius:10px;padding:10px 12px;background:#fdfbf8}
#emi .dt b{color:var(--ink);font-size:14.5px}#emi .dt small{display:block;color:var(--muted);font-size:13px}#emi .opt{margin-left:8px;font-size:11.5px;color:var(--bronze-d);background:var(--bronze-xl);border-radius:999px;padding:1px 8px;font-weight:700}
#emi .upl,#emi .have{flex:0 0 auto;display:inline-flex;gap:6px;align-items:center;font-size:13.5px;font-weight:600;color:var(--navy);cursor:pointer}
#emi .upl input{position:absolute;opacity:0;width:1px;height:1px}#emi .upl span{border:1px solid var(--navy);border-radius:8px;padding:8px 12px;background:#fff}
#emi .have input{width:18px;height:18px;accent-color:var(--bronze)}
#emi .small{font-size:13px;color:var(--muted)}#emi a{color:var(--bronze-d)}
#emi dl.sum{display:grid;grid-template-columns:1fr 1fr;gap:8px 14px;margin:0 0 14px}#emi dl.sum div{background:#fdfbf8;border-radius:10px;padding:8px 10px}#emi dt{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-weight:700}#emi dd{margin:0;color:var(--ink);font-weight:650}
#emi .done{text-align:center;padding:30px 10px}#emi .seal{width:70px;height:70px;border-radius:50%;margin:0 auto 12px;display:flex;align-items:center;justify-content:center;font-size:34px;color:#fff;background:radial-gradient(circle at 35% 30%,#f2d29c,#b0784e 60%,#8a5a35)}
#emi .emi-foot{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;font-size:12.5px;color:var(--muted);padding:12px 4px}
#emi .emi-foot button{background:none;border:0;color:var(--muted);text-decoration:underline;cursor:pointer;font:inherit;padding:8px 0;min-height:36px}#emi .emi-foot{align-items:center}
#emi .hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
@media(max-width:640px){#emi .g{grid-template-columns:1fr}#emi .emi-body{padding:14px}#emi .card{padding:14px 14px 6px}#emi dl.sum{grid-template-columns:1fr}#emi .doc{flex-direction:column;align-items:flex-start}#emi .emi-prog em{display:none}#emi .emi-prog button.on em{display:inline}}
#emi .fee{background:#fff;border:1px solid var(--line);border-left:4px solid var(--bronze);border-radius:10px;padding:10px 14px;color:var(--ink)}

/* em-mcr-10nov additions */
#emi .f .l{display:block;cursor:default}
#emi .nsb{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--muted);cursor:pointer;min-height:34px;margin-top:2px;align-self:flex-start}
#emi .nsb input{width:18px;height:18px;accent-color:var(--bronze);margin:0}
#emi .f.is-ns input:disabled{background:#f3efe9;border-style:dashed;color:var(--muted)}
#emi .tip{background:#fff;border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:10px;padding:10px 14px;color:var(--ink);font-size:15px;margin:0 0 6px}
#emi .tip i{color:var(--bronze-d);font-style:normal;font-weight:700}
#emi .stepof{margin:0 0 12px;font-size:13.5px;color:var(--muted);letter-spacing:.02em}#emi .stepof b{color:var(--ink)}
#emi .errbox{background:#fff4f1;border:1px solid #e7b9ad;color:#8e2f1f;border-radius:10px;padding:12px 14px;font-weight:600;font-size:15px;margin:6px 0 4px}
#emi .lst-h small.none{display:block;color:var(--muted);font-size:13.5px;margin:-4px 0 10px}
#emi .nav .b2,#emi .nav .b1{min-height:48px}
#emi .emi-prog button:focus-visible,#emi .b1:focus-visible,#emi .b2:focus-visible,#emi .addb:focus-visible,#emi .x:focus-visible{outline:2px solid var(--bronze);outline-offset:2px}
#emi .rad:focus-within{border-color:var(--bronze)}
#emi .emi-head .lock{line-height:1.4}
#emi select{appearance:auto}
#emi .legal{font-size:13px;color:var(--muted);margin:14px 4px 0;line-height:1.55}
.em-mcr-req{max-width:960px!important;margin:0 auto!important;padding:36px 20px 48px}
.em-mcr-req .em-mcr-back{display:inline-block;margin:0 0 14px;font-size:15px;font-weight:600;color:#8a5a35;text-decoration:none}
@media(max-width:640px){.em-mcr-req{padding:18px 10px 36px}#emi .emi-head{padding:18px 18px 16px}#emi .emi-head h1{font-size:21px}#emi .radios.sm.three{grid-template-columns:repeat(3,1fr)}#emi .nav .b1{flex:1}}
#emi .emi-foot a{display:inline-block;padding:8px 0;color:var(--muted)}
#emi .have{min-height:40px;padding:4px 2px}
#emi .radios.sm .rad{align-items:center}
@media(max-width:640px){#emi .radios.sm.three .rad{padding:10px 9px;gap:7px}#emi .radios.sm.three .rad b{font-size:14px;line-height:1.2}}
#emi .chk>span{flex:1 1 0;min-width:0}
#emi .chk.err[data-e]:after{text-align:left;order:3}
#emi .vh{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
#emi:not(.ready) .emi-body{min-height:1400px}
@media(min-width:700px){#emi:not(.ready) .emi-body{min-height:970px}}
@media(min-width:1000px){#emi:not(.ready) .emi-body{min-height:810px}}
#emi .emi-prog,#emi .emi-prog button{position:relative}

/* v1.0.1: fit all 9 step labels on desktop; compact 9-dot rail + step label on mobile;
   clear the site-wide sticky WhatsApp/Call/Enquire bar (~46px) on this page only. */
#emi .emi-prog{display:flex;gap:2px;overflow:visible;padding:10px 8px 12px;justify-content:space-between;align-items:stretch;scrollbar-width:none}
#emi .emi-prog::-webkit-scrollbar{display:none}
#emi .emi-prog button{flex:1 1 0;min-width:0;max-width:none;flex-direction:column;justify-content:flex-start;align-items:center;gap:5px;padding:6px 2px 8px;border-radius:10px;font-size:11px;line-height:1.2;text-align:center;white-space:normal;min-height:0}
#emi .emi-prog button em{font-style:normal;display:block;max-width:100%;overflow:hidden;overflow-wrap:break-word;word-break:normal;hyphens:manual}
#emi .emi-prog button.on{color:var(--navy);background:#f8f1ea}
#emi .emi-prog button.done{color:var(--navy)}
@media(max-width:768px){
  #emi .emi-prog{gap:0;padding:8px 10px;justify-content:space-between}
  #emi .emi-prog button{flex:1 1 0;min-width:0;padding:4px 0;gap:0;border-radius:999px;min-height:36px;justify-content:center}
  #emi .emi-prog em,#emi .emi-prog button.on em{display:none!important}
  .em-mcr-req{padding-bottom:78px}
  body.em-mcr-request{padding-bottom:62px}
  html:has(body.em-mcr-request){scroll-padding-bottom:62px}
  #emi .nav,#emi .fee,#emi .emi-foot,.em-mcr-req .legal,.em-mcr-req>p.legal{scroll-margin-bottom:62px}
}

/* v1.0.2: step 1 phone-route note (non-dismissible), above the questions; v1.0.3: one-line centred buttons */
#emi .emi-phone{background:#fff;border:1px solid var(--line);border-left:4px solid var(--bronze);border-radius:12px;padding:12px 14px 14px;margin:0 0 16px}
#emi .emi-phone p{margin:0 0 10px;font-size:14.5px;color:var(--ink);line-height:1.5}
#emi .emi-phone .pb{display:flex;flex-wrap:wrap;gap:8px}
#emi .emi-phone a{display:inline-flex;align-items:center;justify-content:center;text-align:center;border-radius:999px;padding:8px 14px;font-weight:700;font-size:13.5px;text-decoration:none;min-height:40px;height:40px;line-height:1.2;font-family:inherit;white-space:nowrap;word-break:normal;overflow-wrap:normal;hyphens:none;-webkit-hyphens:none;box-sizing:border-box}
#emi .emi-phone a.p1{background:var(--bronze-d);color:#fff!important;border:1px solid var(--bronze-d)}
#emi .emi-phone a.p1:hover,#emi .emi-phone a.p1:focus{background:#7a4e2d}
#emi .emi-phone a.p2{background:#fff;color:var(--navy);border:1px solid #cfc6ba}
#emi .emi-phone a.p2:hover,#emi .emi-phone a.p2:focus{background:var(--bronze-xl);border-color:var(--bronze)}
#emi .emi-phone a:focus-visible{outline:2px solid var(--bronze);outline-offset:2px}
#emi .emi-phone .emi-mail{margin:8px 0 0;font-size:12.5px;color:var(--muted);line-height:1.4;white-space:nowrap;word-break:normal;overflow-wrap:normal;hyphens:none;-webkit-hyphens:none}
@media(max-width:640px){
  #emi .emi-phone .pb{flex-direction:column}
  #emi .emi-phone .pb a{flex:1 1 auto;width:100%}
  #emi .emi-phone .emi-mail{text-align:center}
  #emi .emi-phone{scroll-margin-bottom:62px}
}

/* v1.0.4: email address inside its button */
@media(max-width:360px){#emi .emi-phone a.em{font-size:12.5px;padding-left:10px;padding-right:10px}}