body {
  font-family: Arial, sans-serif;
  background: linear-gradient(to bottom, #fff, #59bada);
  margin: 0;
  padding: 0;
  text-align: center;
}

.container {
  max-width: 400px;
  margin: 60px auto;
  background: #fff;
  padding: 25px;
  border-radius: 12px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.1);
}

label { display: block; margin: 12px 0 6px; text-align: left; }
input, select {
  width: 100%;
  padding: 10px;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-size: 1rem;
}
button {
  margin-top: 15px;
  padding: 12px;
  width: 100%;
  border: none;
  border-radius: 8px;
  background: #0066cc;
  color: #fff;
  font-size: 1rem;
  cursor: pointer;
}
button:hover { background: #004d99; }

.checkbox { font-size: 0.9rem; text-align: left; }

.loader {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  height: 100vh;
}
.spinner {
  border: 6px solid #eee;
  border-top: 6px solid #0066cc;
  border-radius: 50%;
  width: 70px;
  height: 70px;
  animation: spin 2s linear infinite;
}
@keyframes spin {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

.result {
  display: none;
  max-width: 450px;
  margin: 60px auto;
  background: #fff;
  padding: 25px;
  border-radius: 12px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.1);
}
.result table {
  width: 100%;
  border-collapse: collapse;
}
.result td {
  padding: 10px;
  border-bottom: 1px solid #ddd;
  text-align: left;
}
#maxCredit {
  font-size: 1.3rem;
  font-weight: bold;
  color: #0077cc;
}