/* ====== Design Tokens ====== */
:root {
  --primary: #1e3a8a;
  --primary-light: #2563eb;
  --primary-dark: #172554;
  --secondary: #0891b2;
  --secondary-light: #22d3ee;
  --secondary-soft: rgba(8,145,178,0.08);
  --cta: #f59e0b;
  --cta-hover: #d97706;
  --cta-soft: rgba(245,158,11,0.10);
  --green: #059669;
  --green-bg: #ecfdf5;
  --text-dark: #0f172a;
  --text-body: #334155;
  --text-light: #64748b;
  --text-muted: #94a3b8;
  --bg-body: #ffffff;
  --bg-alt: #f8fafc;
  --bg-card: #ffffff;
  --white: #ffffff;
  --border: #e2e8f0;
  --border-light: #f1f5f9;
  --shadow-xs: 0 1px 2px rgba(0,0,0,0.04);
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow: 0 4px 6px -1px rgba(0,0,0,0.07), 0 2px 4px -2px rgba(0,0,0,0.05);
  --shadow-md: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.05);
  --shadow-lg: 0 20px 25px -5px rgba(0,0,0,0.08), 0 8px 10px -6px rgba(0,0,0,0.04);
  --shadow-xl: 0 25px 50px -12px rgba(0,0,0,0.15);
  --radius: 12px;
  --radius-md: 10px;
  --radius-sm: 8px;
  --radius-xs: 6px;
  --radius-full: 9999px;
  --font-heading: 'Poppins', system-ui, -apple-system, sans-serif;
  --font-body: 'Open Sans', system-ui, -apple-system, sans-serif;
  --max-width: 1680px;
  --transition: 0.25s ease;
}

/* ====== Reset ====== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  font-size: 18px;
  color: var(--text-body);
  background: var(--bg-body);
  line-height: 1.7;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ====== Scroll Reveal ====== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.reveal-right { transform: translateX(28px); }
.reveal.visible { opacity: 1; transform: translate(0); }

/* ====== Header ====== */
header {
  background: var(--white);
  box-shadow: var(--shadow-xs);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: box-shadow var(--transition);
}
header.scrolled { box-shadow: var(--shadow-md); }

.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 130px;
  gap: 16px;
}
.logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  line-height: 0;
}
.logo img {
  display: block;
  width: auto;
  object-fit: contain;
  object-position: left center;
}
header .logo {
  padding: 0;
  background: transparent;
  border-radius: var(--radius-sm);
  overflow: hidden;
}
header .logo img {
  height: 130px;
  max-width: min(430px, 52vw);
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
}
.nav-links a {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.94rem;
  color: var(--text-body);
  padding: 8px 16px;
  border-radius: var(--radius-xs);
  transition: all var(--transition);
}
.nav-links a:hover {
  color: var(--primary);
  background: var(--bg-alt);
}
.nav-active {
  color: var(--primary) !important;
  background: rgba(30,58,138,0.06) !important;
}
.btn-nav {
  background: var(--primary) !important;
  color: var(--white) !important;
  padding: 14px 30px !important;
  font-size: 1.05rem !important;
  border-radius: var(--radius-sm) !important;
  font-weight: 600 !important;
  margin-left: 8px !important;
}
.btn-nav:hover {
  background: var(--primary-light) !important;
}

/* Hamburger */
.hamburger {
  display: none;
  width: 32px;
  height: 24px;
  background: none;
  border: none;
  cursor: pointer;
  position: relative;
  z-index: 1001;
}
.hamburger span {
  display: block;
  width: 100%;
  height: 2.5px;
  background: var(--primary);
  border-radius: 2px;
  transition: all 0.3s ease;
  position: absolute;
  left: 0;
}
.hamburger span:nth-child(1) { top: 0; }
.hamburger span:nth-child(2) { top: 50%; transform: translateY(-50%); }
.hamburger span:nth-child(3) { bottom: 0; }
.hamburger.active span:nth-child(1) { top: 50%; transform: translateY(-50%) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { bottom: 50%; transform: translateY(50%) rotate(-45deg); }

/* ====== Buttons ====== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  transition: all var(--transition);
  border: 2px solid transparent;
  cursor: pointer;
  line-height: 1.4;
}
.btn-orange {
  background: var(--cta);
  color: var(--text-dark);
  border-color: var(--cta);
}
.btn-orange:hover {
  background: var(--cta-hover);
  border-color: var(--cta-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(245,158,11,0.3);
}
.btn-primary {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}
.btn-primary:hover {
  background: var(--primary-light);
  border-color: var(--primary-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(30,58,138,0.25);
}
.btn-outline-light {
  background: transparent;
  border: 2px solid rgba(255,255,255,0.5);
  color: var(--white);
}
.btn-outline-light:hover {
  background: var(--white);
  color: var(--primary);
  border-color: var(--white);
}
.btn-full { width: 100%; justify-content: center; }

/* ====== Hero Section ====== */
.hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, var(--primary-light) 100%);
  color: var(--white);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 80%, rgba(8,145,178,0.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(245,158,11,0.08) 0%, transparent 50%),
    radial-gradient(circle at 50% 50%, rgba(255,255,255,0.02) 0%, transparent 70%);
  pointer-events: none;
}
.hero-content {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 60px;
  align-items: center;
  position: relative;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--secondary-light);
  padding: 8px 20px;
  border-radius: var(--radius-full);
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 600;
  margin-bottom: 24px;
}
.hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.4rem, 4.5vw, 3.4rem);
  margin-bottom: 20px;
  line-height: 1.2;
  font-weight: 800;
}
.hero-accent { color: var(--cta); }
.hero p {
  font-size: 1.15rem;
  max-width: 520px;
  margin-bottom: 32px;
  opacity: 0.9;
  line-height: 1.8;
}
.hero-buttons {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}
.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.92rem;
  opacity: 0.85;
  font-weight: 500;
}
.trust-item i { color: var(--secondary-light); font-size: 0.95rem; }

/* Hero Visual */
.hero-visual { position: relative; }
.hero-illustration {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.hero-float-card {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 20px 24px;
  display: flex;
  align-items: center;
  gap: 18px;
  transition: all var(--transition);
}
.hero-float-card:hover {
  background: rgba(255,255,255,0.14);
  transform: translateX(-6px);
}
.hfc-icon {
  width: 50px;
  height: 50px;
  background: rgba(245,158,11,0.15);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--cta);
  flex-shrink: 0;
}
.hfc-label {
  display: block;
  font-size: 0.98rem;
  opacity: 0.78;
  margin-bottom: 2px;
}
.hfc-rate {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--cta);
}
.hfc-rate small {
  font-size: 0.9rem;
  font-weight: 500;
  opacity: 0.7;
}

/* Unique theming for each hero card */
.hfc-1 .hfc-icon { background: rgba(245,158,11,0.22); color: #ffd089; }
.hfc-1 .hfc-rate { color: #ffd089; }
.hfc-1 .hfc-label { opacity: 0.92; }

.hfc-2 .hfc-icon { background: rgba(37,99,235,0.20); color: #bcd6ff; }
.hfc-2 .hfc-rate { color: #bcd6ff; }
.hfc-2 .hfc-label { opacity: 0.92; }

.hfc-3 .hfc-icon { background: rgba(5,150,105,0.20); color: #7cf0c9; }
.hfc-3 .hfc-rate { color: #7cf0c9; }
.hfc-3 .hfc-label { opacity: 0.92; }

.hfc-4 .hfc-icon { background: rgba(34,211,238,0.20); color: #bff6ff; }
.hfc-4 .hfc-rate { color: #bff6ff; }
.hfc-4 .hfc-label { opacity: 0.92; }

.hfc-5 .hfc-icon { background: rgba(245,158,11,0.14); color: var(--secondary-light); }
.hfc-5 .hfc-rate { color: var(--secondary-light); }
.hfc-5 .hfc-label { opacity: 0.92; }

.hfc-6 .hfc-icon { background: rgba(168,85,247,0.20); color: #e9c4ff; }
.hfc-6 .hfc-rate { color: #e9c4ff; }
.hfc-6 .hfc-label { opacity: 0.92; }

/* ====== Stats Bar ====== */
.stats-bar {
  background: var(--white);
  padding: 48px 0;
  border-bottom: 1px solid var(--border);
}
.stats-grid {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 64px;
}
.stat-item { text-align: center; }
.stat-divider {
  width: 1px;
  height: 56px;
  background: var(--border);
}
.stat-number {
  font-family: var(--font-heading);
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--primary);
  display: inline;
  letter-spacing: -1px;
}
.stat-suffix {
  font-family: var(--font-heading);
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -1px;
}
.stat-label {
  display: block;
  font-size: 0.95rem;
  color: var(--text-light);
  margin-top: 4px;
  font-weight: 500;
}

/* ====== Section Common ====== */
.section { padding: 96px 0; }
.section-alt { background: var(--bg-alt); }
.section-header {
  text-align: center;
  margin-bottom: 56px;
}
.section-tag {
  display: inline-block;
  background: rgba(30,58,138,0.06);
  color: var(--primary);
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 700;
  padding: 6px 18px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 16px;
}
.section-header h2 {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  color: var(--primary);
  margin-bottom: 14px;
  line-height: 1.2;
  font-weight: 700;
}
.section-header p {
  color: var(--text-body);
  max-width: 620px;
  margin: 0 auto;
  font-size: 1.18rem;
  line-height: 1.75;
}

/* ====== Loan Products Section Background ====== */
#products {
  position: relative;
  background-color: var(--white);
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.5), rgba(255, 255, 255, 0.5)),
    url('images/products-bg.png');
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}
#products .section-header p {
  color: var(--primary-dark);
  font-size: 1.25rem;
  font-weight: 700;
  max-width: 720px;
  line-height: 1.7;
  text-shadow: 0 1px 2px rgba(255, 255, 255, 0.85);
}
#products > .container {
  position: relative;
  z-index: 1;
}

/* ====== About Us ====== */
.about-section {
  position: relative;
  overflow: hidden;
}
.about-section::before,
.about-section::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: 0;
}
.about-section::before {
  width: 420px;
  height: 420px;
  top: -140px;
  right: -100px;
  background: radial-gradient(circle, rgba(30, 58, 138, 0.07) 0%, transparent 70%);
}
.about-section::after {
  width: 360px;
  height: 360px;
  bottom: -120px;
  left: -80px;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.08) 0%, transparent 70%);
}
.about-section > .container {
  position: relative;
  z-index: 1;
}
.about-intro {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 28px;
  margin-bottom: 56px;
  align-items: stretch;
}
.about-intro-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: calc(var(--radius) + 4px);
  padding: 36px 32px;
  box-shadow: var(--shadow-md);
}
.about-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--cta-soft);
  color: var(--cta-hover);
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 20px;
}
.about-intro-card h3 {
  font-family: var(--font-heading);
  font-size: 1.65rem;
  color: var(--primary);
  line-height: 1.35;
  margin-bottom: 18px;
  font-weight: 700;
}
.about-intro-card p {
  color: var(--text-body);
  font-size: 1.02rem;
  line-height: 1.8;
  margin-bottom: 14px;
}
.about-intro-card p:last-of-type {
  margin-bottom: 24px;
}
.about-intro-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.about-intro-aside {
  display: flex;
  flex-direction: column;
  gap: 14px;
  background: linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 55%, var(--primary-light) 100%);
  border-radius: calc(var(--radius) + 4px);
  padding: 24px;
  box-shadow: var(--shadow-lg);
}
.about-highlight {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  padding: 16px 18px;
  transition: background var(--transition), transform var(--transition);
}
.about-highlight:hover {
  background: rgba(255, 255, 255, 0.16);
  transform: translateX(4px);
}
.about-highlight-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--cta);
  color: var(--text-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}
.about-highlight strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 4px;
  font-weight: 600;
}
.about-highlight p {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.5;
}
.about-block {
  margin-bottom: 48px;
}
.about-block-head {
  text-align: center;
  margin-bottom: 32px;
}
.about-block-head h3 {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  color: var(--primary);
  margin-bottom: 10px;
  font-weight: 700;
}
.about-block-head p {
  color: var(--text-light);
  font-size: 1.05rem;
  max-width: 520px;
  margin: 0 auto;
}
.about-features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.about-feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  position: relative;
  overflow: hidden;
}
.about-feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--cta));
  opacity: 0;
  transition: opacity var(--transition);
}
.about-feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(30, 58, 138, 0.2);
}
.about-feature-card:hover::before {
  opacity: 1;
}
.about-feature-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, rgba(30, 58, 138, 0.1) 0%, rgba(37, 99, 235, 0.06) 100%);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  margin-bottom: 16px;
}
.about-feature-card h4 {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  color: var(--text-dark);
  margin-bottom: 10px;
  font-weight: 700;
}
.about-feature-card p {
  color: var(--text-body);
  font-size: 0.98rem;
  line-height: 1.7;
}
.about-stats-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, var(--primary-light) 100%);
  border-radius: calc(var(--radius) + 4px);
  padding: 40px 32px;
  margin-bottom: 32px;
  box-shadow: var(--shadow-lg);
}
.about-stat {
  flex: 1 1 180px;
  text-align: center;
  padding: 8px 20px;
}
.about-stat-value {
  display: block;
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}
.about-stat-label {
  display: block;
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.88);
  line-height: 1.5;
}
.about-stat-divider {
  width: 1px;
  height: 56px;
  background: rgba(255, 255, 255, 0.25);
  flex-shrink: 0;
}
.about-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: calc(var(--radius) + 4px);
  padding: 32px 36px;
  box-shadow: var(--shadow-md);
  border-left: 4px solid var(--cta);
}
.about-cta-text h3 {
  font-family: var(--font-heading);
  font-size: 1.45rem;
  color: var(--primary);
  margin-bottom: 8px;
  font-weight: 700;
}
.about-cta-text p {
  color: var(--text-body);
  font-size: 1.02rem;
  line-height: 1.7;
  max-width: 560px;
}
.about-cta-card .btn {
  flex-shrink: 0;
  white-space: nowrap;
}

/* ====== Loan Products ====== */
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 28px;
  align-items: stretch;
  max-width: 1140px;
  margin: 0 auto;
}
.loan-card {
  background: var(--bg-card);
  border-radius: var(--radius);
  padding: 32px 26px 28px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
  height: 100%;
  position: relative;
  overflow: hidden;
}
.loan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--primary);
  opacity: 0;
  transition: opacity var(--transition);
}
.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}
.loan-card:hover::before { opacity: 1; }
.loan-card-icon {
  width: 64px;
  height: 64px;
  background: rgba(30,58,138,0.08);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--primary);
  margin-bottom: 22px;
}
.loan-card-icon.icon-cyan {
  background: var(--secondary-soft);
  color: var(--secondary);
}
.loan-card-icon.icon-orange {
  background: var(--cta-soft);
  color: var(--cta-hover);
}
.loan-card-icon.icon-green {
  background: var(--green-bg);
  color: var(--green);
}
.loan-card-icon.icon-purple {
  background: rgba(124,58,237,0.08);
  color: #7c3aed;
}
.loan-card h3 {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  color: var(--text-dark);
  margin-bottom: 10px;
  font-weight: 700;
}
.loan-rate {
  display: flex;
  align-items: baseline;
  gap: 6px;
  margin-bottom: 16px;
}
.loan-rate .rate-value {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--primary);
}
.loan-rate .rate-pa {
  font-size: 0.95rem;
  color: var(--text-muted);
  font-weight: 500;
}
.loan-desc {
  color: var(--text-body);
  font-size: 1.05rem;
  font-weight: 500;
  margin-bottom: 18px;
  line-height: 1.7;
}
.loan-features {
  margin-bottom: 22px;
  flex-grow: 1;
}
.loan-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-dark);
  padding: 5px 0;
}
.loan-features li i {
  color: var(--green);
  font-size: 0.8rem;
  width: 16px;
  flex-shrink: 0;
}
.loan-apply-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: auto;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--primary);
  transition: all var(--transition);
  padding-top: 4px;
  border-top: 1px solid var(--border-light);
  padding-top: 16px;
}
.loan-apply-link:hover {
  color: var(--cta-hover);
  gap: 12px;
}
.loan-apply-link i { font-size: 0.85rem; transition: transform var(--transition); }
.loan-apply-link:hover i { transform: translateX(4px); }

/* ====== EMI Calculator ====== */
.calculator-card {
  max-width: 960px;
  margin: 0 auto;
  background: var(--bg-card);
  padding: 48px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 44px;
  align-items: start;
}
.calc-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.input-group { margin-bottom: 22px; }
.input-group label {
  display: block;
  margin-bottom: 6px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--text-dark);
}
.input-group input,
.input-group select {
  width: 100%;
  padding: 14px 18px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 1.1rem;
  transition: border var(--transition), box-shadow var(--transition);
  background: var(--white);
  color: var(--text-dark);
}
.input-group input:focus,
.input-group select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30,58,138,0.1);
}
.input-group input::placeholder { color: var(--text-muted); }

.calc-results {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 420px;
}
.result-placeholder {
  text-align: center;
  color: var(--text-muted);
}
.calc-placeholder-image {
  width: min(260px, 90%);
  height: auto;
  margin: 0 auto 18px;
  opacity: 0.72;
  filter: saturate(0.9) contrast(0.95);
  mix-blend-mode: multiply;
}
.result-placeholder p { font-size: 1.07rem; line-height: 1.7; }
.result-card { width: 100%; text-align: center; }
.emi-amount {
  font-family: var(--font-heading);
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 2px;
  letter-spacing: -1px;
}
.emi-label {
  color: var(--text-muted);
  font-size: 1rem;
  margin-bottom: 24px;
  font-weight: 500;
}
.result-details {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
  text-align: left;
}
.result-row {
  display: flex;
  justify-content: space-between;
  padding: 12px 16px;
  background: var(--bg-alt);
  border-radius: var(--radius-xs);
  font-size: 0.95rem;
}
.result-row span:first-child { color: var(--text-light); }
.result-row span:last-child { font-weight: 700; color: var(--text-dark); }
.eligibility-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 0.92rem;
}
.eligibility-badge.eligible { background: var(--green-bg); color: var(--green); }
.eligibility-badge.warning { background: #fef3c7; color: #92400e; }

/* Keep calculator CTA readable */
.calculator-card #calcBtn {
  font-size: 1.06rem;
  padding: 16px 28px;
}

/* ====== How It Works ====== */
.steps-grid {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
}
.step-card {
  flex: 1;
  max-width: 240px;
  text-align: center;
  padding: 24px 16px;
  position: relative;
}
.step-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 16px;
  background: rgba(30,58,138,0.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--primary);
  transition: all var(--transition);
}
.step-card:hover .step-icon {
  background: var(--primary);
  color: var(--white);
  transform: scale(1.08);
}
.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  background: var(--cta);
  color: var(--text-dark);
  border-radius: 50%;
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 12px;
}
.step-card h3 {
  font-family: var(--font-heading);
  font-size: 1.08rem;
  color: var(--text-dark);
  margin-bottom: 8px;
  font-weight: 700;
}
.step-card p {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.6;
}
.step-connector {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-top: 48px;
  color: var(--border);
  font-size: 0.9rem;
}

.form-group { margin-bottom: 16px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.98rem;
  transition: border var(--transition), box-shadow var(--transition);
  background: var(--white);
  color: var(--text-dark);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30,58,138,0.1);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--text-muted); }
.form-group textarea {
  resize: vertical;
  min-height: 100px;
}

/* ====== Testimonials Carousel ====== */
.testimonials-carousel {
  max-width: 800px;
  margin: 0 auto;
  position: relative;
  display: flex;
  align-items: center;
  gap: 16px;
}
.carousel-btn {
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: 50%;
  background: var(--white);
  border: 1.5px solid var(--border);
  color: var(--text-body);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 0.9rem;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
  z-index: 2;
}
.carousel-btn:hover {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}
.carousel-track-wrapper {
  overflow: hidden;
  flex: 1;
}
.carousel-track {
  display: flex;
  transition: transform 0.4s ease;
}
.testimonial-card {
  min-width: 100%;
  padding: 32px 40px;
  background: var(--bg-card);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  text-align: center;
}
.testimonial-stars {
  color: #facc15;
  font-size: 1.1rem;
  margin-bottom: 20px;
  display: flex;
  justify-content: center;
  gap: 3px;
}
.testimonial-quote {
  font-size: 1.08rem;
  font-style: italic;
  margin-bottom: 24px;
  color: var(--text-body);
  line-height: 1.8;
}
.testimonial-author {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
}
.author-avatar {
  width: 48px;
  height: 48px;
  background: var(--primary);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.95rem;
  flex-shrink: 0;
}
.author-name {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--text-dark);
  font-size: 1rem;
  text-align: left;
}
.author-role {
  color: var(--text-muted);
  font-size: 0.88rem;
  text-align: left;
}
.carousel-dots {
  display: flex;
  justify-content: center;
  margin-top: 28px;
  gap: 8px;
}
.carousel-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--border);
  cursor: pointer;
  transition: all var(--transition);
  border: none;
}
.carousel-dot.active {
  background: var(--primary);
  width: 28px;
  border-radius: var(--radius-xs);
}

/* ====== FAQ ====== */
.faq-container {
  max-width: 760px;
  margin: 0 auto;
}
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
  background: var(--bg-card);
}
.faq-item.active {
  border-color: var(--primary);
  box-shadow: 0 4px 12px rgba(30,58,138,0.08);
}
.faq-question {
  width: 100%;
  background: transparent;
  border: none;
  padding: 20px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--text-dark);
  text-align: left;
  transition: background var(--transition);
  gap: 16px;
}
.faq-question:hover { background: var(--bg-alt); }
.faq-question i {
  color: var(--primary);
  font-size: 0.85rem;
  transition: transform var(--transition);
  flex-shrink: 0;
}
.faq-item.active .faq-question i { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}
.faq-item.active .faq-answer { max-height: 300px; }
.faq-answer p {
  padding: 0 24px 20px;
  color: var(--text-light);
  font-size: 0.98rem;
  line-height: 1.75;
}

/* ====== Application Form ====== */
.application-form-card {
  max-width: 860px;
  margin: 0 auto;
  background: var(--bg-card);
  padding: 48px 44px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}

.form-steps-indicator {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin-bottom: 40px;
}
.step-dot {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  position: relative;
  z-index: 1;
}
.step-dot span {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--bg-alt);
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--text-muted);
  transition: all 0.35s ease;
}
.step-dot small {
  font-size: 0.78rem;
  color: var(--text-muted);
  font-weight: 600;
  transition: color 0.35s ease;
}
.step-dot.active span {
  background: var(--primary);
  border-color: var(--primary);
  color: var(--white);
  box-shadow: 0 4px 12px rgba(30,58,138,0.25);
}
.step-dot.active small { color: var(--primary); }
.step-dot.completed span {
  background: var(--green);
  border-color: var(--green);
  color: var(--white);
}
.step-dot.completed small { color: var(--green); }
.step-line {
  flex: 1;
  height: 3px;
  max-width: 100px;
  background: var(--border);
  border-radius: 2px;
  margin: 0 8px;
  margin-bottom: 22px;
  transition: background 0.35s ease;
}
.step-line.active { background: var(--primary); }
.step-line.completed { background: var(--green); }

.form-step { display: none; }
.form-step.active { display: block; animation: fadeSlideIn 0.35s ease; }

@keyframes fadeSlideIn {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-step-title {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  color: var(--primary);
  margin-bottom: 28px;
  padding-bottom: 16px;
  border-bottom: 2px solid var(--border-light);
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 10px;
}
.form-step-title i { font-size: 1.1rem; }

.form-step-desc {
  color: var(--text-light);
  font-size: 0.95rem;
  margin-bottom: 24px;
  margin-top: -16px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-row-3 { grid-template-columns: 1fr 1fr; }

.form-group {
  margin-bottom: 16px;
}
.form-group label {
  display: block;
  margin-bottom: 6px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-dark);
}
.form-group .required { color: #ef4444; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.98rem;
  transition: border var(--transition), box-shadow var(--transition);
  background: var(--white);
  color: var(--text-dark);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(30,58,138,0.1);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--text-muted); }
.form-group textarea { resize: vertical; min-height: 80px; }
.form-group input.error,
.form-group select.error,
.form-group textarea.error {
  border-color: #ef4444;
  box-shadow: 0 0 0 3px rgba(239,68,68,0.1);
}
.form-group .error-msg {
  color: #ef4444;
  font-size: 0.8rem;
  margin-top: 4px;
  display: none;
}
.form-group .error-msg.visible { display: block; }

.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border-light);
}

.btn-outline-dark {
  background: transparent;
  border: 2px solid var(--border);
  color: var(--text-body);
}
.btn-outline-dark:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: rgba(30,58,138,0.04);
}

/* Document Checklist */
.doc-checklist-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.doc-group {
  background: var(--bg-alt);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 20px;
}
.doc-group h4 {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  color: var(--primary);
  margin-bottom: 12px;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 8px;
}
.doc-group h4 i { font-size: 0.88rem; color: var(--secondary); }
.checkbox-label {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 6px 0;
  font-size: 0.92rem;
  color: var(--text-body);
  cursor: pointer;
  transition: color var(--transition);
}
.checkbox-label:hover { color: var(--primary); }
.checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--primary);
  cursor: pointer;
  flex-shrink: 0;
}

/* Form Success */
.form-success {
  text-align: center;
  padding: 48px 24px;
}
.success-icon {
  font-size: 4rem;
  color: var(--green);
  margin-bottom: 20px;
  animation: successPop 0.5s ease;
}
@keyframes successPop {
  0% { transform: scale(0); opacity: 0; }
  50% { transform: scale(1.2); }
  100% { transform: scale(1); opacity: 1; }
}
.form-success h3 {
  font-family: var(--font-heading);
  font-size: 1.6rem;
  color: var(--text-dark);
  margin-bottom: 12px;
  font-weight: 700;
}
.form-success p {
  color: var(--text-light);
  font-size: 1.05rem;
  max-width: 440px;
  margin: 0 auto 28px;
  line-height: 1.7;
}

/* ====== Footer ====== */
footer {
  background: var(--primary-dark);
  color: #94a3b8;
  padding: 72px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
}
.footer-logo {
  display: inline-flex;
  align-items: center;
  margin-bottom: 18px;
  padding: 10px 14px;
  background: rgba(255,255,255,0.96);
  border-radius: var(--radius-md);
  line-height: 0;
  overflow: hidden;
}
.footer-logo img {
  height: 130px;
  width: auto;
  max-width: 280px;
  object-fit: contain;
  display: block;
}
.footer-brand p {
  font-size: 0.95rem;
  line-height: 1.7;
  margin-top: 14px;
  margin-bottom: 20px;
}
.social-icons {
  display: flex;
  gap: 10px;
}
.social-icons a {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #94a3b8;
  font-size: 1rem;
  transition: all var(--transition);
}
.social-icons a:hover {
  background: var(--cta);
  color: var(--primary-dark);
  transform: translateY(-2px);
}
.footer-links h4,
.footer-contact h4 {
  color: var(--white);
  font-family: var(--font-heading);
  margin-bottom: 18px;
  font-size: 1rem;
  font-weight: 700;
}
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  font-size: 0.95rem;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--cta); }
.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 0.95rem;
}
.footer-contact li i {
  color: var(--cta);
  margin-top: 4px;
  font-size: 0.82rem;
  width: 16px;
  flex-shrink: 0;
}
.footer-phones {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.footer-phones a {
  display: block;
}
.footer-contact a {
  color: inherit;
  transition: color var(--transition);
}
.footer-contact a:hover {
  color: var(--cta);
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  text-align: center;
  padding: 20px 0;
  font-size: 0.9rem;
}
.footer-bottom a {
  color: #94a3b8;
  transition: color var(--transition);
}
.footer-bottom a:hover { color: var(--cta); }

/* ====== WhatsApp Float ====== */
.whatsapp-float {
  position: fixed;
  bottom: 28px;
  left: 28px;
  width: 56px;
  height: 56px;
  background: #25D366;
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.7rem;
  box-shadow: 0 4px 16px rgba(37,211,102,0.35);
  z-index: 999;
  transition: all var(--transition);
  animation: waPulse 2s infinite;
}
.whatsapp-float:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 24px rgba(37,211,102,0.45);
}
@keyframes waPulse {
  0%, 100% { box-shadow: 0 4px 16px rgba(37,211,102,0.35); }
  50% { box-shadow: 0 4px 28px rgba(37,211,102,0.5); }
}

/* ====== Back to Top ====== */
#backToTop {
  position: fixed;
  bottom: 28px;
  right: 28px;
  background: var(--primary);
  color: var(--white);
  width: 46px;
  height: 46px;
  border: none;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  box-shadow: var(--shadow-md);
  transition: all var(--transition);
  z-index: 999;
}
#backToTop.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
#backToTop:hover {
  background: var(--cta);
  color: var(--primary-dark);
  transform: translateY(-2px);
}

/* ====== Responsive — Tablet ====== */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 40px; }
  .hero-illustration { flex-direction: row; flex-wrap: wrap; }
  .hero-float-card { flex: 1 1 200px; }
  .about-intro {
    grid-template-columns: 1fr;
  }
  .about-cta-card {
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
  }
  .products-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    max-width: 720px;
    gap: 24px;
  }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { gap: 40px; }
}

/* ====== Responsive — Mobile ====== */
@media (max-width: 768px) {
  body { font-size: 16px; }

  /* Keep header elements aligned and prevent flex overflow */
  .navbar { height: 92px; }
  header .logo img {
    height: 72px;
    max-width: min(240px, 55vw);
  }
  .footer-logo {
    padding: 12px 16px;
  }
  .footer-logo img {
    height: 72px;
    max-width: 210px;
  }

  /* Keep hamburger on the right; nav overlay should not affect header layout */
  .hamburger {
    display: block;
    margin-left: auto;
  }
  header nav {
    position: fixed;
    inset: 0;
    pointer-events: none;
  }
  .nav-links {
    position: fixed;
    top: 0; left: 0;
    width: 100%;
    height: 100vh;
    background: var(--white);
    flex-direction: column;
    justify-content: flex-start;
    gap: 0;
    padding: 92px 0 0; /* below header */
    transform: translateX(-100%);
    transition: transform 0.35s ease;
    z-index: 1000;
    pointer-events: auto;
  }
  .nav-links.active { transform: translateX(0); }
  .nav-links li { width: 100%; text-align: left; }
  .nav-links a {
    display: block;
    padding: 16px 22px;
    font-size: 1.1rem;
    border-bottom: 1px solid var(--border-light);
  }
  .btn-nav {
    margin: 20px 0 0 !important;
    width: auto !important;
    display: inline-flex !important;
    padding: 16px 32px !important;
    font-size: 1.1rem !important;
  }

  .hero { padding: 56px 0 64px; text-align: center; }
  .hero h1 { font-size: 2rem; }
  .hero p { margin-left: auto; margin-right: auto; font-size: 1.05rem; }
  .hero-buttons { justify-content: center; }
  .hero-trust { justify-content: center; }
  .hero-visual { display: none; }

  .stats-grid { flex-direction: column; gap: 24px; }
  .stat-divider { width: 60px; height: 1px; }

  .section { padding: 64px 0; }
  .section-header h2 { font-size: 1.85rem; }
  .section-header p { font-size: 1rem; }

  .about-intro-card {
    padding: 28px 22px;
  }
  .about-intro-card h3 {
    font-size: 1.4rem;
  }
  .about-intro-actions {
    flex-direction: column;
  }
  .about-intro-actions .btn {
    width: 100%;
    justify-content: center;
  }
  .about-stats-banner {
    flex-direction: column;
    gap: 24px;
    padding: 32px 24px;
  }
  .about-stat-divider {
    width: 60px;
    height: 1px;
  }
  .about-cta-card {
    padding: 24px 22px;
  }
  .about-cta-card .btn {
    width: 100%;
    justify-content: center;
  }
  .products-grid {
    grid-template-columns: 1fr;
    max-width: 420px;
    gap: 20px;
  }

  .calc-grid { grid-template-columns: 1fr; gap: 28px; }
  .calculator-card { padding: 24px; }
  .calc-form-row { grid-template-columns: 1fr; }
  .input-group { margin-bottom: 18px; }
  .input-group label { font-size: 1rem; }
  .input-group input,
  .input-group select { font-size: 1.06rem; padding: 14px 16px; }

  .application-form-card { padding: 24px 20px; }
  .form-row, .form-row-3 { grid-template-columns: 1fr; }
  .doc-checklist-grid { grid-template-columns: 1fr; }
  .form-steps-indicator { gap: 0; }
  .step-dot small { font-size: 0.7rem; }
  .step-dot span { width: 32px; height: 32px; font-size: 0.82rem; }
  .step-line { max-width: 48px; }
  .form-step-title { font-size: 1.15rem; }
  .form-nav { gap: 12px; }
  .form-nav .btn { padding: 12px 20px; font-size: 0.92rem; }

  .steps-grid { flex-direction: column; align-items: center; gap: 8px; }
  .step-connector { padding: 0; transform: rotate(90deg); }
  .step-card { max-width: 320px; }

  .testimonial-card { padding: 24px 20px; }
  .carousel-btn { display: none; }

  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-brand { text-align: left; }
  .footer-bottom { text-align: left; }
  .calc-placeholder-image {
    width: min(220px, 82%);
    opacity: 0.65;
  }
}

/* ====== Responsive — Small ====== */
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .stat-number, .stat-suffix { font-size: 2rem; }
  .hero h1 { font-size: 1.75rem; }
  .hero p { font-size: 1rem; }
  .section-header h2 { font-size: 1.6rem; }
  .section-header p { font-size: 1.05rem; }
  .emi-amount { font-size: 2.2rem; }
  .hero-buttons { flex-direction: column; align-items: stretch; }
  .btn { font-size: 0.95rem; padding: 13px 22px; }
  .hero-badge { font-size: 0.8rem; padding: 6px 14px; }
}