/* ============================================================
   ADITISH FINTECH - MAIN STYLESHEET
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700;800;900&family=Plus+Jakarta+Sans:wght@400;500;600;700&display=swap');

/* ---------- CSS Variables ---------- */
:root {
  --primary:       #1A3FAA;
  --primary-dark:  #122D80;
  --primary-light: #2B55CC;
  --accent:        #0EA5E9;
  --accent2:       #F59E0B;
  --text-dark:     #0F172A;
  --text-mid:      #334155;
  --text-light:    #64748B;
  --white:         #FFFFFF;
  --off-white:     #F8FAFF;
  --border:        #E2E8F0;
  --gradient:      linear-gradient(135deg, #1A3FAA 0%, #0EA5E9 100%);
  --gradient2:     linear-gradient(135deg, #122D80 0%, #1A3FAA 60%, #2B6CB0 100%);
  --shadow-sm:     0 2px 8px rgba(26,63,170,0.08);
  --shadow-md:     0 8px 24px rgba(26,63,170,0.14);
  --shadow-lg:     0 20px 60px rgba(26,63,170,0.18);
  --radius:        12px;
  --radius-lg:     20px;
  --font-head:     'Poppins', sans-serif;
  --font-body:     'Plus Jakarta Sans', sans-serif;
  --transition:    all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: var(--font-body); }

/* ---------- Utility Classes ---------- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 90px 0; }
.section-sm { padding: 60px 0; }
.text-center { text-align: center; }
.text-white { color: var(--white); }
.bg-primary { background: var(--primary); }
.bg-off-white { background: var(--off-white); }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.grid { display: grid; }

/* Section Labels */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(26,63,170,0.08);
  color: var(--primary);
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}
.section-label::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--accent);
  border-radius: 50%;
}
.section-title {
  font-family: var(--font-head);
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 700;
  line-height: 1.25;
  color: var(--text-dark);
  margin-bottom: 16px;
}
.section-title span { color: var(--primary); }
.section-subtitle {
  font-size: 17px;
  color: var(--text-light);
  max-width: 600px;
  margin: 0 auto 16px;
  line-height: 1.8;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 15px;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--gradient);
  color: var(--white);
  box-shadow: 0 4px 20px rgba(26,63,170,0.35);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(26,63,170,0.45);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-white {
  background: var(--white);
  color: var(--primary);
  box-shadow: 0 4px 20px rgba(0,0,0,0.1);
}
.btn-white:hover {
  background: var(--off-white);
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(0,0,0,0.15);
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(26,63,170,0.08);
  transition: var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 4px 24px rgba(26,63,170,0.1);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-icon {
  width: 44px; height: 44px;
  background: var(--gradient);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo-icon svg { width: 24px; height: 24px; fill: white; }
.logo-text { font-family: var(--font-head); }
.logo-text .main { font-size: 20px; font-weight: 800; color: var(--primary); line-height: 1; }
.logo-text .sub { font-size: 10px; font-weight: 500; color: var(--text-light); letter-spacing: 1px; text-transform: uppercase; }

/* Nav Links */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-link {
  font-family: var(--font-head);
  font-weight: 500;
  font-size: 14px;
  color: var(--text-mid);
  padding: 8px 14px;
  border-radius: 8px;
  transition: var(--transition);
  position: relative;
}
.nav-link:hover, .nav-link.active {
  color: var(--primary);
  background: rgba(26,63,170,0.06);
}
/* Dropdown */
.nav-item { position: relative; }
.nav-item:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 12px;
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  border: 1px solid var(--border);
  z-index: 100;
}
.dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 14px;
  color: var(--text-mid);
  transition: var(--transition);
}
.dropdown a:hover { background: rgba(26,63,170,0.06); color: var(--primary); }
.dropdown a span.dd-icon {
  width: 28px; height: 28px;
  background: rgba(26,63,170,0.08);
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; flex-shrink: 0;
}
.nav-cta { margin-left: 16px; }
.nav-cta .btn { padding: 10px 24px; font-size: 14px; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  padding: 140px 0 0;
  background: var(--gradient2);
  position: relative;
  overflow: hidden;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: stretch;
  justify-content: center;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero::after {
  content: '';
  position: absolute;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(14,165,233,0.18) 0%, transparent 70%);
  top: -150px; right: -100px;
  border-radius: 50%;
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
  padding-bottom: 60px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--white);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 24px;
  backdrop-filter: blur(8px);
}
.hero-badge::before { content: '✦'; color: var(--accent2); }
.hero-title {
  font-family: var(--font-head);
  font-size: clamp(36px, 4.5vw, 62px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 24px;
}
.hero-title .highlight {
  color: var(--accent2);
  position: relative;
}
.hero-desc {
  font-size: 17px;
  color: rgba(255,255,255,0.82);
  margin-bottom: 40px;
  max-width: 520px;
  line-height: 1.85;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 48px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.hero-stat .val {
  font-family: var(--font-head);
  font-size: 30px;
  font-weight: 800;
  color: var(--white);
}
.hero-stat .lbl {
  font-size: 13px;
  color: rgba(255,255,255,0.65);
  margin-top: 2px;
}

/* Hero Card */
.hero-card-wrap {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
}
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: 0 32px 80px rgba(0,0,0,0.25);
  width: 100%;
  max-width: 420px;
  position: relative;
  z-index: 2;
}
.hero-card h3 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.hero-card p {
  font-size: 14px;
  color: var(--text-light);
  margin-bottom: 24px;
}
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-mid);
  margin-bottom: 6px;
  font-family: var(--font-head);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--text-dark);
  background: var(--white);
  transition: var(--transition);
  outline: none;
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,63,170,0.1);
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 40px;
  cursor: pointer;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-note {
  font-size: 12px;
  color: var(--text-light);
  text-align: center;
  margin-top: 12px;
}
.form-note a { color: var(--primary); }
.floating-badge {
  position: absolute;
  background: var(--white);
  border-radius: 12px;
  padding: 12px 16px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dark);
  white-space: nowrap;
  z-index: 3;
}
.floating-badge .icon { font-size: 20px; }
.badge-1 { top: -20px; right: -20px; }
.badge-2 { bottom: -20px; left: -20px; }

/* ============================================================
   MARQUEE BAND
   ============================================================ */
.marquee-band {
  background: var(--primary);
  padding: 14px 0;
  overflow: hidden;
}
.marquee-track {
  display: flex;
  gap: 48px;
  animation: marquee 30s linear infinite;
  width: max-content;
}
.marquee-track:hover { animation-play-state: paused; }
.marquee-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.85);
  font-size: 14px;
  font-weight: 500;
  font-family: var(--font-head);
  white-space: nowrap;
}
.marquee-item .dot { color: var(--accent2); font-size: 18px; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ============================================================
   STATS SECTION
   ============================================================ */
.stats-section { padding: 80px 0; background: var(--white); }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.stat-card {
  text-align: center;
  padding: 36px 24px;
  border-radius: var(--radius-lg);
  background: var(--off-white);
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.stat-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gradient);
  transform: scaleX(0);
  transition: var(--transition);
}
.stat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.stat-card:hover::before { transform: scaleX(1); }
.stat-icon { font-size: 32px; margin-bottom: 12px; }
.stat-value {
  font-family: var(--font-head);
  font-size: 38px;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label {
  font-size: 14px;
  color: var(--text-light);
  font-weight: 500;
}

/* ============================================================
   SERVICES SECTION
   ============================================================ */
.services-section { background: var(--off-white); }
.services-header {
  text-align: center;
  margin-bottom: 56px;
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  cursor: pointer;
  text-align: center;
}
.service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--gradient);
  opacity: 0;
  transition: var(--transition);
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { opacity: 1; }
.service-card:hover .svc-icon,
.service-card:hover .svc-title,
.service-card:hover .svc-desc { position: relative; z-index: 1; color: var(--white); }
.service-card:hover .svc-icon-wrap { background: rgba(255,255,255,0.2); }
.svc-icon-wrap {
  width: 64px; height: 64px;
  background: rgba(26,63,170,0.08);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  transition: var(--transition);
  position: relative; z-index: 1;
}
.svc-icon { font-size: 28px; transition: var(--transition); }
.svc-title {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
  transition: var(--transition);
  position: relative; z-index: 1;
}
.svc-desc {
  font-size: 13px;
  color: var(--text-light);
  line-height: 1.6;
  transition: var(--transition);
  position: relative; z-index: 1;
}
.svc-arrow {
  margin-top: 16px;
  font-size: 18px;
  color: var(--primary);
  transition: var(--transition);
  position: relative; z-index: 1;
}
.service-card:hover .svc-arrow { color: white; transform: translateX(4px); }

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-section { background: var(--white); }
.why-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.why-visual {
  position: relative;
}
.why-img-card {
  background: var(--gradient);
  border-radius: var(--radius-lg);
  padding: 48px 36px;
  color: white;
  position: relative;
  overflow: hidden;
}
.why-img-card::after {
  content: '';
  position: absolute;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(255,255,255,0.12) 0%, transparent 70%);
  top: -80px; right: -80px;
  border-radius: 50%;
}
.why-img-card .big-num {
  font-family: var(--font-head);
  font-size: 80px;
  font-weight: 900;
  opacity: 0.15;
  line-height: 1;
}
.why-img-card h3 {
  font-family: var(--font-head);
  font-size: 26px;
  font-weight: 700;
  margin-bottom: 12px;
  position: relative;
  z-index: 1;
}
.why-img-card p { opacity: 0.85; font-size: 15px; line-height: 1.7; position: relative; z-index: 1; }
.why-float {
  position: absolute;
  right: -24px; bottom: 40px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  min-width: 200px;
}
.why-float .label { font-size: 12px; color: var(--text-light); font-weight: 500; margin-bottom: 4px; }
.why-float .value { font-family: var(--font-head); font-size: 22px; font-weight: 800; color: var(--primary); }
.why-float .bar { height: 6px; background: var(--border); border-radius: 3px; margin-top: 8px; overflow: hidden; }
.why-float .bar-fill { height: 100%; background: var(--gradient); border-radius: 3px; width: 78%; }

.why-list { display: flex; flex-direction: column; gap: 20px; }
.why-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  border-radius: var(--radius);
  background: var(--off-white);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.why-item:hover { border-color: var(--primary); box-shadow: var(--shadow-sm); }
.why-item-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: rgba(26,63,170,0.08);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
}
.why-item-text h4 {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 4px;
  color: var(--text-dark);
}
.why-item-text p { font-size: 14px; color: var(--text-light); line-height: 1.6; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-section { background: var(--off-white); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 48px; left: calc(12.5% + 24px); right: calc(12.5% + 24px);
  height: 2px;
  background: linear-gradient(90deg, var(--primary) 0%, var(--accent) 100%);
  z-index: 0;
}
.step-card {
  text-align: center;
  padding: 36px 24px;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 64px; height: 64px;
  background: var(--gradient);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 800;
  color: white;
  margin: 0 auto 20px;
  box-shadow: 0 8px 24px rgba(26,63,170,0.3);
  position: relative;
}
.step-num::after {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 2px solid rgba(26,63,170,0.2);
}
.step-card h4 {
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 10px;
}
.step-card p { font-size: 14px; color: var(--text-light); line-height: 1.7; }

/* ============================================================
   LOAN CALCULATOR
   ============================================================ */
.calc-section { background: var(--white); }
.calc-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.calc-box {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  border: 1px solid var(--border);
}
.calc-box h3 {
  font-family: var(--font-head);
  font-size: 24px;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-dark);
}
.calc-box .sub { font-size: 15px; color: var(--text-light); margin-bottom: 32px; }
.range-group { margin-bottom: 28px; }
.range-label {
  display: flex;
  justify-content: space-between;
  margin-bottom: 10px;
}
.range-label span:first-child { font-size: 14px; font-weight: 600; color: var(--text-mid); font-family: var(--font-head); }
.range-val {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--primary);
  background: rgba(26,63,170,0.08);
  padding: 4px 12px;
  border-radius: 20px;
}
input[type="range"] {
  -webkit-appearance: none;
  width: 100%; height: 6px;
  background: var(--border);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  background: var(--gradient);
  border-radius: 50%;
  box-shadow: 0 2px 8px rgba(26,63,170,0.35);
  cursor: pointer;
  transition: var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }
.calc-results {
  background: var(--gradient);
  border-radius: var(--radius-lg);
  padding: 40px;
  color: var(--white);
  height: 100%;
}
.calc-results h3 {
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 28px;
}
.result-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}
.result-item:last-child { border-bottom: none; }
.result-item .r-label { font-size: 14px; opacity: 0.8; }
.result-item .r-value { font-family: var(--font-head); font-size: 20px; font-weight: 700; }
.result-item.highlight .r-value { font-size: 28px; color: var(--accent2); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section { background: var(--off-white); }
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
}
.testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.testi-card::before {
  content: '"';
  position: absolute;
  top: 20px; right: 24px;
  font-size: 80px;
  font-family: var(--font-head);
  color: rgba(26,63,170,0.06);
  line-height: 1;
}
.testi-stars { color: var(--accent2); font-size: 18px; margin-bottom: 16px; letter-spacing: 2px; }
.testi-text { font-size: 15px; color: var(--text-mid); line-height: 1.75; margin-bottom: 24px; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  color: white;
  font-size: 18px;
  flex-shrink: 0;
}
.testi-author-info .name { font-family: var(--font-head); font-weight: 700; font-size: 15px; }
.testi-author-info .role { font-size: 13px; color: var(--text-light); }

/* ============================================================
   APPLY FORM SECTION
   ============================================================ */
.apply-section { background: var(--white); }
.apply-inner {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 60px;
  align-items: start;
}
.apply-info h2 {
  font-family: var(--font-head);
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 16px;
}
.apply-info h2 span { color: var(--primary); }
.apply-info p { font-size: 16px; color: var(--text-light); line-height: 1.8; margin-bottom: 32px; }
.apply-check { display: flex; flex-direction: column; gap: 14px; }
.apply-check-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: var(--text-mid);
  font-weight: 500;
}
.apply-check-item::before {
  content: '✓';
  width: 24px; height: 24px;
  background: rgba(26,63,170,0.1);
  color: var(--primary);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px;
  font-weight: 700;
  flex-shrink: 0;
}
.apply-form-box {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  border: 1px solid var(--border);
}
.apply-form-box h3 {
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--text-dark);
}
.apply-form-box .form-sub {
  font-size: 14px;
  color: var(--text-light);
  margin-bottom: 28px;
}
.success-msg {
  display: none;
  text-align: center;
  padding: 32px;
}
.success-msg .check-icon {
  width: 64px; height: 64px;
  background: rgba(26,63,170,0.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 28px;
  margin: 0 auto 16px;
}
.success-msg h4 { font-family: var(--font-head); font-size: 20px; font-weight: 700; margin-bottom: 8px; color: var(--primary); }
.success-msg p { font-size: 14px; color: var(--text-light); }

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
  background: var(--gradient2);
  padding: 90px 0;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-inner {
  text-align: center;
  position: relative;
  z-index: 1;
}
.cta-inner h2 {
  font-family: var(--font-head);
  font-size: clamp(30px, 4vw, 52px);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
}
.cta-inner p { font-size: 18px; color: rgba(255,255,255,0.8); margin-bottom: 40px; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.cta-contact {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  margin-top: 40px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.15);
  flex-wrap: wrap;
}
.cta-contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.85);
  font-size: 15px;
}
.cta-contact-item .icon { font-size: 22px; }

/* ============================================================
   FOOTER
   ============================================================ */
footer {
  background: #050E2B;
  color: rgba(255,255,255,0.75);
  padding: 80px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .logo-text .main { color: white; }
.footer-brand .logo-text .sub { color: rgba(255,255,255,0.45); }
.footer-brand p {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  margin-top: 16px;
  margin-bottom: 24px;
  line-height: 1.8;
  max-width: 300px;
}
.footer-socials { display: flex; gap: 12px; }
.social-btn {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.08);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
  transition: var(--transition);
  text-decoration: none;
  color: rgba(255,255,255,0.75);
}
.social-btn:hover { background: var(--primary); color: white; transform: translateY(-2px); }
.footer-col h4 {
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  color: white;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a::before { content: '›'; color: var(--accent); }
.footer-links a:hover { color: white; padding-left: 4px; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
  font-size: 14px;
  color: rgba(255,255,255,0.55);
}
.footer-contact-item .fi { color: var(--accent); flex-shrink: 0; margin-top: 2px; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  font-size: 13px;
  color: rgba(255,255,255,0.4);
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom a { color: rgba(255,255,255,0.4); transition: var(--transition); }
.footer-bottom a:hover { color: white; }
.rbi-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  padding: 6px 14px;
  border-radius: 6px;
  font-size: 12px;
  color: rgba(255,255,255,0.5);
  margin-top: 20px;
}

/* ============================================================
   PAGE HERO (Inner Pages)
   ============================================================ */
.page-hero {
  background: var(--gradient2);
  padding: 140px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero h1 {
  font-family: var(--font-head);
  font-size: clamp(32px, 4vw, 54px);
  font-weight: 800;
  color: white;
  position: relative;
  z-index: 1;
}
.page-hero p {
  font-size: 18px;
  color: rgba(255,255,255,0.8);
  margin-top: 12px;
  position: relative;
  z-index: 1;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  margin-top: 16px;
  position: relative;
  z-index: 1;
}
.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: white; }
.breadcrumb .sep { opacity: 0.4; }

/* ============================================================
   ABOUT PAGE CONTENT
   ============================================================ */
.about-vision {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.vision-img {
  background: var(--gradient);
  border-radius: var(--radius-lg);
  padding: 60px 40px;
  color: white;
  position: relative;
  overflow: hidden;
}
.vision-img::after {
  content: '';
  position: absolute;
  width: 250px; height: 250px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
  bottom: -80px; right: -60px;
}
.vision-img h3 {
  font-family: var(--font-head);
  font-size: 28px;
  font-weight: 800;
  margin-bottom: 16px;
}
.vision-img p { opacity: 0.85; font-size: 16px; line-height: 1.8; }
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 24px;
}
.team-card {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  border: 1px solid var(--border);
  transition: var(--transition);
}
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.team-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-size: 28px;
  font-weight: 800;
  color: white;
  margin: 0 auto 16px;
}
.team-card h4 {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 4px;
}
.team-card .role { font-size: 13px; color: var(--primary); font-weight: 600; }
.team-card .bio { font-size: 13px; color: var(--text-light); margin-top: 8px; line-height: 1.6; }

/* Service Detail Cards */
.services-detail-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.svc-detail-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--border);
  transition: var(--transition);
  border-left: 4px solid transparent;
}
.svc-detail-card:hover {
  border-left-color: var(--primary);
  box-shadow: var(--shadow-md);
  transform: translateX(4px);
}
.svc-detail-header { display: flex; align-items: center; gap: 16px; margin-bottom: 16px; }
.svc-detail-icon {
  width: 56px; height: 56px;
  background: rgba(26,63,170,0.08);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 24px;
  flex-shrink: 0;
}
.svc-detail-header h3 { font-family: var(--font-head); font-size: 19px; font-weight: 700; color: var(--text-dark); }
.svc-detail-card p { font-size: 14px; color: var(--text-light); line-height: 1.7; margin-bottom: 16px; }
.svc-features { display: flex; flex-wrap: wrap; gap: 8px; }
.svc-tag {
  background: rgba(26,63,170,0.07);
  color: var(--primary);
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
  font-family: var(--font-head);
}

/* Contact Page */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
}
.contact-info-card {
  background: var(--gradient);
  border-radius: var(--radius-lg);
  padding: 48px 36px;
  color: white;
}
.contact-info-card h3 {
  font-family: var(--font-head);
  font-size: 24px;
  font-weight: 700;
  margin-bottom: 24px;
}
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 24px;
}
.contact-detail .c-icon {
  width: 44px; height: 44px;
  background: rgba(255,255,255,0.15);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}
.contact-detail h4 { font-family: var(--font-head); font-size: 14px; font-weight: 700; opacity: 0.7; margin-bottom: 4px; text-transform: uppercase; letter-spacing: 1px; }
.contact-detail p { font-size: 15px; line-height: 1.6; }
.contact-form-box {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 48px;
  border: 1px solid var(--border);
}
.contact-form-box h3 { font-family: var(--font-head); font-size: 24px; font-weight: 700; margin-bottom: 6px; }
.contact-form-box p { font-size: 15px; color: var(--text-light); margin-bottom: 28px; }

/* ============================================================
   SCROLL ANIMATIONS
   ============================================================ */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-in {
  opacity: 0;
  transition: opacity 0.6s ease;
}
.fade-in.visible { opacity: 1; }

/* Stagger delays */
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }
.delay-5 { transition-delay: 0.5s; }

/* ============================================================
   BACK TO TOP
   ============================================================ */
.back-to-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 48px; height: 48px;
  background: var(--gradient);
  color: white;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
  box-shadow: 0 4px 20px rgba(26,63,170,0.4);
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 999;
  border: none;
}
.back-to-top.visible { opacity: 1; visibility: visible; }
.back-to-top:hover { transform: translateY(-4px); }

/* ============================================================
   WHATSAPP FLOAT
   ============================================================ */
.whatsapp-float {
  position: fixed;
  bottom: 90px;
  right: 32px;
  width: 52px; height: 52px;
  background: #25D366;
  color: white;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 26px;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  cursor: pointer;
  transition: var(--transition);
  z-index: 999;
  text-decoration: none;
}
.whatsapp-float:hover { transform: scale(1.1); }

/* ============================================================
   MOBILE NAV OVERLAY
   ============================================================ */
.mobile-nav {
  position: fixed;
  inset: 0;
  background: var(--white);
  z-index: 999;
  display: flex;
  flex-direction: column;
  padding: 100px 32px 40px;
  transform: translateX(100%);
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  overflow-y: auto;
}
.mobile-nav.open { transform: translateX(0); }
.mobile-nav-link {
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 700;
  color: var(--text-dark);
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: var(--transition);
}
.mobile-nav-link:hover { color: var(--primary); }
.mobile-sub-links { padding: 8px 0 8px 16px; display: none; }
.mobile-sub-links.open { display: block; }
.mobile-sub-links a {
  display: block;
  padding: 8px 0;
  font-size: 16px;
  color: var(--text-light);
  transition: var(--transition);
}
.mobile-sub-links a:hover { color: var(--primary); }
.mobile-nav-cta { margin-top: 32px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */

/* Tablet - 1024px */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .why-inner { gap: 48px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .hero-inner { gap: 40px; }
  .calc-inner { gap: 40px; }
}

/* Tablet small - 900px */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero { padding: 120px 0 60px; min-height: auto; }
  .hero-content { text-align: center; }
  .hero-desc { margin: 0 auto 40px; }
  .hero-actions { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-card-wrap { margin-top: 40px; }
  .why-inner { grid-template-columns: 1fr; }
  .why-float { display: none; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .apply-inner { grid-template-columns: 1fr; }
  .about-vision { grid-template-columns: 1fr; }
  .services-detail-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .calc-inner { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}

/* Mobile - 640px */
@media (max-width: 640px) {
  .section { padding: 60px 0; }
  .container { padding: 0 16px; }
  .nav-menu, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-stats { flex-wrap: wrap; gap: 20px; }
  .steps-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: center; }
  .cta-actions { flex-direction: column; align-items: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .team-grid { grid-template-columns: 1fr; }
  .apply-form-box { padding: 24px; }
  .contact-form-box { padding: 24px; }
  .badge-1, .badge-2 { display: none; }
}

/* Mobile small - 400px */
@media (max-width: 400px) {
  .services-grid { grid-template-columns: 1fr; }
  .stat-value { font-size: 30px; }
  .hero-title { font-size: 30px; }
}

/* ============================================================
   COMPONENT SYSTEM – ADDITIONAL STYLES
   Added for: logo update, footer 5-col, policies, lending
   partners section, SVG icons, Why Choose Us fix
   ============================================================ */

/* ── Logo Image in Navbar ── */
.nav-logo-img {
  width: 40px;
  height: 40px;
  object-fit: contain;
  border-radius: 8px;
  flex-shrink: 0;
}

/* ── Dropdown link style (replaces emoji-based dd-icon) ── */
.dd-link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 9px 12px;
  border-radius: 8px;
  font-size: 14px;
  color: var(--text-mid);
  transition: var(--transition);
}
.dd-link:hover { background: rgba(26,63,170,0.06); color: var(--primary); }
.dd-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--accent);
  flex-shrink: 0;
}

/* ── Mobile Sub Links ── */
.mobile-sub-link {
  display: block;
  padding: 8px 0;
  font-size: 15px;
  color: var(--text-light);
  transition: var(--transition);
  border-bottom: 1px solid var(--border);
}
.mobile-sub-link:last-child { border-bottom: none; }
.mobile-sub-link:hover { color: var(--primary); padding-left: 4px; }

/* ── SVG Icons inside service cards (replace emojis) ── */
.svc-icon svg {
  width: 32px;
  height: 32px;
  color: var(--primary);
  display: block;
}
.svc-icon { display: flex; align-items: center; justify-content: center; }
.service-card:hover .svc-icon svg { color: var(--white); }

/* Why-item SVG icons */
.why-item-icon svg {
  width: 26px;
  height: 26px;
  color: var(--primary);
}

/* ── FIX: Why Choose Us text overlap ── */
.why-item {
  align-items: flex-start;
}
.why-item-icon {
  flex-shrink: 0;
}
.why-item-text {
  flex: 1;
  min-width: 0;
  overflow: hidden;
}
.why-item-text h4 {
  white-space: normal;
  word-break: break-word;
}
.why-item-text p {
  white-space: normal;
  word-break: break-word;
}

/* ── 5-Column Footer Grid ── */
.footer-grid {
  grid-template-columns: 1.8fr 1fr 1fr 1.2fr 1.3fr !important;
}

/* ── Footer Logo ── */
.footer-logo-link {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  margin-bottom: 16px;
}
.footer-logo-img {
  width: 44px;
  height: 44px;
  object-fit: contain;
  border-radius: 8px;
  flex-shrink: 0;
  background: rgba(255,255,255,0.1);
  padding: 4px;
}

/* ── Policies Column in Footer ── */
.footer-policy-links {
  gap: 8px !important;
}
.policy-doc-link {
  display: flex !important;
  align-items: center;
  gap: 7px;
  font-size: 13px !important;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
  padding: 3px 0;
  text-decoration: none;
}
.policy-doc-link:hover { color: white !important; padding-left: 0 !important; }
.policy-doc-link::before { content: none !important; }
.pdf-icon {
  width: 13px; height: 13px;
  flex-shrink: 0;
  color: var(--accent);
}

/* ── WhatsApp Footer Button ── */
.wa-footer-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #25D366;
  color: white;
  font-size: 13px;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: 20px;
  margin-top: 16px;
  transition: var(--transition);
  text-decoration: none;
}
.wa-footer-btn:hover { background: #1EB857; transform: translateY(-1px); }

/* ── Footer Bottom Links ── */
.footer-bottom-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
  justify-content: flex-end;
}

/* ── Lending Partners Disclosure Section ── */
.lending-partners-wrap {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 32px 0;
  margin-top: 0;
}
.lp-section-title {
  margin-bottom: 20px;
}
.lp-section-title h5 {
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 700;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 6px;
}
.lp-section-title p {
  font-size: 13px;
  color: rgba(255,255,255,0.35);
  max-width: 700px;
  line-height: 1.6;
}
.lp-cards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.lp-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 20px 24px;
}
.lp-card-header {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 12px;
}
.lp-badge {
  background: var(--primary);
  color: white;
  font-family: var(--font-head);
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 1px;
  padding: 4px 8px;
  border-radius: 4px;
  flex-shrink: 0;
  margin-top: 2px;
}
.lp-badge-gro { background: var(--accent); }
.lp-partner-name {
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  color: rgba(255,255,255,0.85);
  margin-bottom: 2px;
}
.lp-partner-role {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
}
.lp-desc {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  margin-bottom: 12px;
  line-height: 1.6;
}
.lp-info-row {
  display: flex;
  gap: 10px;
  margin-bottom: 8px;
  font-size: 12px;
  line-height: 1.5;
}
.lp-key {
  color: rgba(255,255,255,0.4);
  font-weight: 600;
  white-space: nowrap;
  min-width: 140px;
}
.lp-val {
  color: rgba(255,255,255,0.7);
  word-break: break-word;
}

/* ── Services Page: SVG icons in detail cards ── */
.svc-detail-icon svg {
  width: 28px;
  height: 28px;
  color: var(--primary);
}
.svc-detail-icon { font-size: unset; }

/* ── Responsive overrides for new sections ── */
@media (max-width: 1100px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr 1fr !important;
  }
}
@media (max-width: 900px) {
  .lp-cards-grid { grid-template-columns: 1fr; }
  .lp-key { min-width: 110px; }
}
@media (max-width: 640px) {
  .footer-grid { grid-template-columns: 1fr 1fr !important; }
  .footer-bottom-links { justify-content: center; }
  .lp-info-row { flex-direction: column; gap: 2px; }
  .lp-key { min-width: unset; }
}
@media (max-width: 400px) {
  .footer-grid { grid-template-columns: 1fr !important; }
}

/* ============================================================
   ANIMATIONS — KEYFRAMES
   ============================================================ */

/* Hero entrance – slide + fade */
@keyframes heroSlideUp {
  from { opacity: 0; transform: translateY(40px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes heroSlideRight {
  from { opacity: 0; transform: translateX(-40px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes heroSlideLeft {
  from { opacity: 0; transform: translateX(40px); }
  to   { opacity: 1; transform: translateX(0); }
}
/* Gentle floating for badges/decorations */
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-10px); }
}
/* Pulsing ring (for indicators, CTAs) */
@keyframes pulseRing {
  0%   { box-shadow: 0 0 0 0 rgba(26,63,170,0.4); }
  70%  { box-shadow: 0 0 0 14px rgba(26,63,170,0); }
  100% { box-shadow: 0 0 0 0 rgba(26,63,170,0); }
}
/* Shimmer sweep — used on primary buttons */
@keyframes shimmer {
  0%   { background-position: -200% center; }
  100% { background-position:  200% center; }
}
/* Spin — loading spinner */
@keyframes spin {
  to { transform: rotate(360deg); }
}
/* Bounce in for floating badges */
@keyframes bounceIn {
  0%   { opacity: 0; transform: scale(0.5); }
  60%  { opacity: 1; transform: scale(1.08); }
  80%  { transform: scale(0.96); }
  100% { transform: scale(1); }
}
/* Gradient flow for section backgrounds */
@keyframes gradientFlow {
  0%   { background-position: 0% 50%; }
  50%  { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}
/* Underline grow — nav active indicator */
@keyframes underlineGrow {
  from { transform: scaleX(0); }
  to   { transform: scaleX(1); }
}
/* Marquee scroll */
@keyframes marquee {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
/* Zoom in for cards */
@keyframes zoomIn {
  from { opacity: 0; transform: scale(0.92); }
  to   { opacity: 1; transform: scale(1); }
}
/* Slide left entrance */
@keyframes slideFromLeft {
  from { opacity: 0; transform: translateX(-50px); }
  to   { opacity: 1; transform: translateX(0); }
}
/* Slide right entrance */
@keyframes slideFromRight {
  from { opacity: 0; transform: translateX(50px); }
  to   { opacity: 1; transform: translateX(0); }
}

/* ============================================================
   HERO PAGE-LOAD ANIMATION
   Children of .hero-content stagger on load
   ============================================================ */
.hero-content .hero-badge {
  animation: bounceIn 0.7s cubic-bezier(0.34,1.56,0.64,1) 0.2s both;
}
.hero-content .hero-title {
  animation: heroSlideRight 0.75s cubic-bezier(0.4,0,0.2,1) 0.35s both;
}
.hero-content .hero-desc {
  animation: heroSlideUp 0.7s ease 0.5s both;
}
.hero-content .hero-actions {
  animation: heroSlideUp 0.7s ease 0.65s both;
}
.hero-content .hero-stats {
  animation: heroSlideUp 0.7s ease 0.8s both;
}
.hero-card-wrap {
  animation: heroSlideLeft 0.85s cubic-bezier(0.4,0,0.2,1) 0.4s both;
}
.floating-badge.badge-1 {
  animation: float 4s ease-in-out infinite, bounceIn 0.7s ease 0.8s both;
}
.floating-badge.badge-2 {
  animation: float 4.5s ease-in-out 0.6s infinite, bounceIn 0.7s ease 1s both;
}

/* ============================================================
   SCROLL REVEAL ANIMATION CLASSES
   (Add to any element — IntersectionObserver in main.js handles)
   ============================================================ */
.slide-left {
  opacity: 0;
  transform: translateX(-40px);
  transition: opacity 0.65s ease, transform 0.65s cubic-bezier(0.4,0,0.2,1);
}
.slide-left.visible { opacity: 1; transform: translateX(0); }

.slide-right {
  opacity: 0;
  transform: translateX(40px);
  transition: opacity 0.65s ease, transform 0.65s cubic-bezier(0.4,0,0.2,1);
}
.slide-right.visible { opacity: 1; transform: translateX(0); }

.zoom-in {
  opacity: 0;
  transform: scale(0.92);
  transition: opacity 0.6s ease, transform 0.6s cubic-bezier(0.34,1.2,0.64,1);
}
.zoom-in.visible { opacity: 1; transform: scale(1); }

/* ============================================================
   ENHANCED BUTTON SHIMMER ON HOVER
   ============================================================ */
.btn-primary {
  background-size: 200% auto;
  background-image: linear-gradient(135deg, #1A3FAA 0%, #0EA5E9 40%, #2B55CC 80%, #1A3FAA 100%);
  transition: background-position 0.5s ease, transform 0.3s ease, box-shadow 0.3s ease;
}
.btn-primary:hover {
  background-position: right center;
}

/* Shimmer pseudo-element for primary buttons */
.btn-primary::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: linear-gradient(90deg, transparent 30%, rgba(255,255,255,0.18) 50%, transparent 70%);
  background-size: 200% auto;
  opacity: 0;
  transition: opacity 0.3s;
  pointer-events: none;
}
.btn { position: relative; overflow: hidden; }
.btn-primary:hover::after {
  opacity: 1;
  animation: shimmer 1.2s linear;
}

/* Button spinner */
.btn-spinner {
  display: inline-block;
  width: 14px;
  height: 14px;
  border: 2px solid rgba(255,255,255,0.5);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  vertical-align: middle;
}
.btn-success {
  background: #059669 !important;
  box-shadow: 0 4px 20px rgba(5,150,105,0.35) !important;
}
.btn-error {
  background: #DC2626 !important;
  box-shadow: 0 4px 20px rgba(220,38,38,0.35) !important;
}

/* ============================================================
   FORM VALIDATION STYLES
   ============================================================ */
.form-group input,
.form-group select,
.form-group textarea {
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,63,170,0.12);
  outline: none;
}
.input-error {
  border-color: #DC2626 !important;
  box-shadow: 0 0 0 3px rgba(220,38,38,0.12) !important;
  animation: shakeX 0.4s ease;
}
@keyframes shakeX {
  0%, 100% { transform: translateX(0); }
  20%, 60%  { transform: translateX(-5px); }
  40%, 80%  { transform: translateX(5px); }
}
.field-error {
  display: block;
  color: #DC2626;
  font-size: 12px;
  margin-top: 4px;
  font-weight: 500;
}
.form-group input.input-error + .field-error,
.form-group select.input-error + .field-error,
.form-group textarea.input-error + .field-error {
  animation: heroSlideUp 0.3s ease;
}

/* ============================================================
   TOAST NOTIFICATIONS
   ============================================================ */
.af-toast {
  position: fixed;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%) translateY(80px);
  background: var(--text-dark);
  color: white;
  padding: 14px 24px;
  border-radius: 50px;
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 600;
  z-index: 9999;
  box-shadow: 0 8px 32px rgba(0,0,0,0.25);
  transition: transform 0.35s cubic-bezier(0.34,1.56,0.64,1), opacity 0.35s ease;
  opacity: 0;
  white-space: nowrap;
  max-width: calc(100vw - 48px);
  text-align: center;
}
.af-toast.af-toast-show {
  transform: translateX(-50%) translateY(0);
  opacity: 1;
}
.af-toast-success { background: #059669; }
.af-toast-error   { background: #DC2626; }
.af-toast-info    { background: var(--primary); }

/* ============================================================
   CARD HOVER MICRO-ANIMATIONS
   ============================================================ */
/* Service cards — icon transition */
.svc-icon svg {
  transition: transform 0.3s cubic-bezier(0.34,1.56,0.64,1), color 0.3s ease;
}

/* Stat cards — 3-D tilt */
.stat-card {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  transform-style: preserve-3d;
  will-change: transform;
}

/* Why-item icon pulsing glow */
.why-item:hover .why-item-icon {
  animation: pulseRing 1s cubic-bezier(0.4,0,0.2,1);
}

/* Step cards stagger entrance */
.step-card { transition-property: opacity, transform; }
.step-card:nth-child(1) { transition-delay: 0.0s; }
.step-card:nth-child(2) { transition-delay: 0.12s; }
.step-card:nth-child(3) { transition-delay: 0.24s; }
.step-card:nth-child(4) { transition-delay: 0.36s; }

/* Testimonial card hover border */
.testimonial-card {
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.testimonial-card:hover {
  border-color: var(--primary);
  box-shadow: 0 12px 40px rgba(26,63,170,0.15);
}

/* Nav link animated underline */
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 14px; right: 14px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}
.nav-link:hover::after,
.nav-link.active::after {
  transform: scaleX(1);
}

/* Section labels pulse dot */
.section-label::before {
  animation: pulseRing 2s ease infinite;
}

/* ============================================================
   MARQUEE ANIMATION
   ============================================================ */
.marquee-track {
  animation: marquee 28s linear infinite;
}
.marquee-band:hover .marquee-track {
  animation-play-state: paused;
}

/* ============================================================
   FORM SUBMIT SUCCESS MESSAGE
   ============================================================ */
.success-msg {
  display: none;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 32px 20px;
  gap: 12px;
}
.success-msg .check-icon {
  font-size: 48px;
  animation: bounceIn 0.8s cubic-bezier(0.34,1.56,0.64,1);
}
.success-msg h4 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--text-dark);
}
.success-msg p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.7;
}

/* ============================================================
   LOGO IMAGE SIZING FIX
   ============================================================ */
.nav-logo-img {
  transition: transform 0.3s ease;
}
.nav-logo:hover .nav-logo-img {
  transform: scale(1.06);
}

/* ============================================================
   COMPREHENSIVE RESPONSIVE — MOBILE FIRST
   ============================================================

   Breakpoints used:
     1200px — Wide desktop
     1024px — Laptop
      900px — Small laptop / large tablet → hamburger shows
      768px — Tablet
      640px — Large phone
      480px — Medium phone
      375px — Small phone (iPhone SE)
      320px — Minimum supported width

   ============================================================ */

/* ── 1200px — Large screens ── */
@media (max-width: 1200px) {
  .container { padding: 0 28px; }
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1.1fr 1.2fr !important; }
}

/* ── 1024px — Laptop ── */
@media (max-width: 1024px) {
  .services-grid  { grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .stats-grid     { grid-template-columns: repeat(2, 1fr); }
  .why-inner      { gap: 48px; }
  .hero-inner     { gap: 36px; }
  .calc-inner     { gap: 36px; }
  .footer-grid    { grid-template-columns: 1fr 1fr 1fr !important; gap: 36px; }
  .lp-cards-grid  { gap: 12px; }
  .lp-key         { min-width: 120px; }
}

/* ── 900px — Hamburger kicks in ── */
@media (max-width: 900px) {
  /* Nav: hide desktop menu, show hamburger */
  .nav-menu, .nav-cta { display: none !important; }
  .hamburger          { display: flex !important; }

  /* Hero */
  .hero               { padding: 110px 0 60px; min-height: auto; }
  .hero-inner         { grid-template-columns: 1fr; gap: 40px; }
  .hero-content       { text-align: center; }
  .hero-desc          { margin: 0 auto 32px; max-width: 540px; }
  .hero-actions       { justify-content: center; }
  .hero-stats         { justify-content: center; }
  .hero-card-wrap     { margin-top: 0; max-width: 480px; margin-left: auto; margin-right: auto; }
  .hero-content .hero-badge   { animation-delay: 0s !important; }
  .hero-content .hero-title   { animation-delay: 0.1s !important; }

  /* Sections */
  .why-inner          { grid-template-columns: 1fr; }
  .why-float          { display: none; }
  .why-items          { gap: 20px; }
  .steps-grid         { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .testimonials-grid  { grid-template-columns: repeat(2, 1fr); }
  .apply-inner        { grid-template-columns: 1fr; }
  .about-vision       { grid-template-columns: 1fr; }
  .services-detail-grid { grid-template-columns: 1fr; }
  .contact-grid       { grid-template-columns: 1fr; gap: 32px; }
  .calc-inner         { grid-template-columns: 1fr; }
  .team-grid          { grid-template-columns: repeat(2, 1fr); }

  /* Footer */
  .lp-cards-grid      { grid-template-columns: 1fr; }
  .lp-key             { min-width: 110px; }
  .footer-grid        { grid-template-columns: 1fr 1fr !important; gap: 32px; }
}

/* ── 768px — Tablet ── */
@media (max-width: 768px) {
  .section         { padding: 70px 0; }
  .section-title   { font-size: clamp(24px, 5vw, 36px); }

  .hero-title      { font-size: clamp(26px, 6vw, 42px); }
  .hero            { padding: 100px 0 50px; }

  /* Stat numbers */
  .stat-value      { font-size: 36px; }
  .stat-card       { padding: 28px 20px; }

  /* Service cards – 2 columns on tablet */
  .services-grid   { grid-template-columns: repeat(2, 1fr); gap: 14px; }

  /* Steps – 1 column */
  .steps-grid      { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }

  /* Testimonials – 1 column */
  .testimonials-grid { grid-template-columns: 1fr; }

  /* Team 1-col */
  .team-grid       { grid-template-columns: repeat(2, 1fr); }

  /* Contact form box — reduce padding */
  .contact-form-box { padding: 32px 24px; }
  .contact-info-card { padding: 32px 24px; }

  /* Page hero */
  .page-hero       { padding: 100px 0 48px; }
  .page-hero h1    { font-size: clamp(24px, 5vw, 40px); }
}

/* ── 640px — Large phone ── */
@media (max-width: 640px) {
  .section         { padding: 56px 0; }
  .container       { padding: 0 16px; }

  /* Hero */
  .hero            { padding: 90px 0 48px; }
  .hero-title      { font-size: clamp(24px, 7vw, 36px); }
  .hero-desc       { font-size: 15px; }
  .hero-actions    { flex-direction: column; align-items: center; gap: 12px; }
  .hero-actions .btn { width: 100%; max-width: 320px; justify-content: center; }
  .hero-stats      { flex-wrap: wrap; gap: 16px; justify-content: center; }
  .hero-stat .val  { font-size: 22px; }
  .badge-1, .badge-2 { display: none; }

  /* Services – 2 col on big phones */
  .services-grid   { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .service-card    { padding: 20px 16px; }

  /* Stats – 2 col */
  .stats-grid      { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .stat-value      { font-size: 32px; }

  /* Form rows → 1 col */
  .form-row        { grid-template-columns: 1fr; }

  /* Apply form box */
  .apply-form-box  { padding: 24px 16px; }

  /* CTA actions stacked */
  .cta-actions     { flex-direction: column; align-items: center; gap: 12px; }
  .cta-actions .btn { width: 100%; max-width: 320px; justify-content: center; }

  /* Footer */
  .footer-grid     { grid-template-columns: 1fr !important; gap: 28px; }
  .footer-bottom   { flex-direction: column; gap: 12px; text-align: center; }
  .footer-bottom-links { justify-content: center; }

  /* Lending partners */
  .lp-info-row     { flex-direction: column; gap: 2px; }
  .lp-key          { min-width: unset; }

  /* Contact form */
  .contact-form-box { padding: 24px 16px; }
  .contact-info-card { padding: 28px 20px; }
  .contact-grid    { gap: 24px; }

  /* Team */
  .team-grid       { grid-template-columns: 1fr; }

  /* Toast full-width on mobile */
  .af-toast        { white-space: normal; width: calc(100% - 32px); border-radius: var(--radius); }

  /* Quick contact bands stack */
  .quick-band-wrap { flex-direction: column; }

  /* Page hero */
  .page-hero       { padding: 90px 0 40px; }
  .page-hero h1    { font-size: clamp(22px, 7vw, 36px); }
  .page-hero p     { font-size: 15px; }

  /* Back to top and WhatsApp float — move closer to edge */
  .back-to-top     { right: 16px; bottom: 20px; }
  .whatsapp-float  { right: 16px; bottom: 76px; }

  /* Nav logo text */
  .logo-text .main { font-size: 17px; }
}

/* ── 480px — Medium phone ── */
@media (max-width: 480px) {
  .section         { padding: 48px 0; }

  /* Hero adjustments */
  .hero            { padding: 84px 0 44px; }
  .hero-title      { font-size: clamp(22px, 8vw, 30px); line-height: 1.3; }
  .hero-card       { padding: 24px 16px; }

  /* Service cards — still 2 col but tighter */
  .service-card    { padding: 16px 12px; }
  .svc-title       { font-size: 13px; }

  /* Stats — bigger text becomes smaller */
  .stat-value      { font-size: 28px; }
  .stat-label      { font-size: 12px; }

  /* Buttons — full width in forms */
  .submit-btn      { width: 100% !important; justify-content: center !important; }

  /* Section titles */
  .section-title   { font-size: clamp(20px, 7vw, 28px); }

  /* Why choose us items */
  .why-item        { gap: 12px; }
  .why-item-icon   { width: 44px !important; height: 44px !important; }

  /* Step cards */
  .step-num        { font-size: 32px; }

  /* Page hero */
  .page-hero h1    { font-size: clamp(20px, 8vw, 28px); }

  /* Vision image section */
  .vision-img      { padding: 40px 24px; }
  .vision-img h3   { font-size: 22px; }

  /* About page compliance cards */
  .compliance-grid { grid-template-columns: 1fr !important; }

  /* Nav inner height */
  .nav-inner       { height: 64px; }
}

/* ── 375px — iPhone SE / small phones ── */
@media (max-width: 375px) {
  .container       { padding: 0 12px; }
  .hero-title      { font-size: 22px; }
  .section-title   { font-size: 20px; }

  /* Services — 1 column on smallest phones */
  .services-grid   { grid-template-columns: 1fr; gap: 10px; }
  .service-card    { padding: 16px; }

  /* Stats — 2 col with smaller text */
  .stat-value      { font-size: 26px; }
  .stat-card       { padding: 20px 14px; }

  /* Buttons */
  .btn             { padding: 12px 24px; font-size: 14px; }
  .hero-card       { padding: 20px 14px; }

  /* Mobile nav text sizing */
  .mobile-nav-link { font-size: 19px; }

  /* Footer brand column */
  .rbi-badge       { font-size: 11px; padding: 8px 12px; }
}

/* ── 320px — Absolute minimum ── */
@media (max-width: 320px) {
  .container       { padding: 0 10px; }
  .hero-title      { font-size: 20px; }
  .stat-value      { font-size: 22px; }
  .section-title   { font-size: 18px; }
  .btn             { padding: 11px 20px; font-size: 13px; }
  .logo-text .main { font-size: 15px; }
  .nav-logo-img    { width: 32px; height: 32px; }
}

/* ── Touch devices: disable tilt effect & hover-only styles ── */
@media (hover: none) and (pointer: coarse) {
  .stat-card       { transform: none !important; transition: none; }
  .service-card:hover { transform: translateY(-4px); }
  .btn-primary::after { display: none; }
  .floating-badge  { transform: none !important; }
  .why-item:hover .why-item-icon { animation: none; }
}

/* ── Print styles ── */
@media print {
  .navbar, .back-to-top, .whatsapp-float, .mobile-nav,
  .hero-actions, .cta-section, footer { display: none !important; }
  .hero { min-height: auto; padding: 40px 0; }
  body { font-size: 12pt; color: #000; }
}

/* ============================================================
   HERO TRUST BAR  (replaces old hero-stats numbers)
   ============================================================ */
.hero-trust-bar {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px 0;
  margin-top: 28px;
  padding: 14px 18px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 50px;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  width: fit-content;
  max-width: 100%;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.9);
  font-size: 13px;
  font-weight: 600;
  font-family: var(--font-head);
  letter-spacing: 0.01em;
  padding: 0 14px;
}
.hero-trust-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  background: rgba(255,255,255,0.12);
  border-radius: 50%;
  flex-shrink: 0;
}
.hero-trust-icon svg {
  width: 14px;
  height: 14px;
  stroke: #fff;
}
.hero-trust-sep {
  display: block;
  width: 1px;
  height: 28px;
  background: rgba(255,255,255,0.2);
  flex-shrink: 0;
}

/* ============================================================
   STAT CARD — SVG ICON & SUBTITLE  (replaces emoji .stat-icon)
   ============================================================ */
.stat-icon-svg {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(26,63,170,0.12), rgba(14,165,233,0.12));
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  transition: transform 0.3s ease;
}
.stat-card:hover .stat-icon-svg {
  transform: scale(1.08);
}
.stat-icon-svg svg {
  width: 24px;
  height: 24px;
  stroke: var(--primary);
}
.stat-sub {
  font-size: 12px;
  color: var(--text-light);
  margin-top: 4px;
  font-weight: 400;
}

/* ============================================================
   SERVICE CARD AS <A> TAG — neutralise link styles
   ============================================================ */
a.service-card {
  text-decoration: none;
  color: inherit;
  display: block;
  cursor: pointer;
}
a.service-card:focus-visible {
  outline: 2px solid var(--primary);
  outline-offset: 2px;
}

/* ============================================================
   TESTIMONIAL — STARS & VERIFIED BADGE
   ============================================================ */
.testimonial-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 12px;
}
.star {
  font-size: 18px;
  color: #D1D5DB;
  line-height: 1;
}
.star.filled {
  color: #F59E0B;
}
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  font-family: var(--font-head);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.verified-badge {
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 11px;
  font-weight: 600;
  color: #059669;
  background: rgba(5,150,105,0.1);
  border-radius: 50px;
  padding: 4px 8px;
  white-space: nowrap;
  margin-left: auto;
}
.verified-badge svg {
  stroke: #059669;
}

/* ============================================================
   CTA CONTACT — SVG ICONS & LINK STYLING
   ============================================================ */
.cta-svg-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: rgba(255,255,255,0.15);
  border-radius: 50%;
  flex-shrink: 0;
}
.cta-svg-icon svg {
  width: 16px;
  height: 16px;
  stroke: rgba(255,255,255,0.9);
}
a.cta-contact-item {
  text-decoration: none;
  color: inherit;
}
a.cta-contact-item:hover {
  opacity: 0.85;
}

/* ============================================================
   FOOTER CONTACT — SVG ICON  (replaces .fi emoji span)
   ============================================================ */
.fi-svg {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  margin-top: 1px;
  opacity: 0.75;
}
.fi-svg svg {
  stroke: rgba(255,255,255,0.85);
}

/* ============================================================
   RESPONSIVE ADJUSTMENTS FOR NEW COMPONENTS
   ============================================================ */
@media (max-width: 900px) {
  .hero-trust-bar {
    border-radius: 16px;
    justify-content: center;
    width: 100%;
  }
  .hero-trust-sep { display: none; }
  .hero-trust-item { padding: 6px 10px; }
}
@media (max-width: 640px) {
  .hero-trust-bar { padding: 10px 12px; gap: 4px; }
  .hero-trust-item { font-size: 12px; gap: 6px; }
  .hero-trust-icon { width: 24px; height: 24px; }
  .hero-trust-icon svg { width: 12px; height: 12px; }
  .cta-contact { flex-direction: column; align-items: flex-start; gap: 12px; }
  .verified-badge { font-size: 10px; }
}
@media (max-width: 480px) {
  .stat-icon-svg { width: 44px; height: 44px; }
  .stat-icon-svg svg { width: 20px; height: 20px; }
  .stat-sub { font-size: 11px; }
}

/* ============================================================
   HERO TRUST BAR — STACKED LABEL/VALUE STYLE
   ============================================================ */
.hero-trust-text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}
.trust-label {
  font-size: 11px;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.02em;
}
.trust-value {
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.01em;
}

/* ============================================================
   HERO FORM CARD (right side of hero)
   ============================================================ */
.hero-form-card {
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: var(--radius-lg);
  padding: 32px 28px 24px;
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  box-shadow: 0 24px 60px rgba(0,0,0,0.25);
  width: 100%;
  max-width: 420px;
  position: relative;
  overflow: hidden;
  animation: heroSlideLeft 0.85s cubic-bezier(0.4,0,0.2,1) 0.35s both;
}
.hero-form-card::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 140px; height: 140px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  pointer-events: none;
}
.hero-form-header {
  margin-bottom: 22px;
}
.hero-form-header .card-tag {
  margin-bottom: 10px;
  display: inline-block;
}
.hero-form-header h3 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 4px;
}
.hero-form-header p {
  font-size: 12px;
  color: rgba(255,255,255,0.55);
  font-weight: 400;
}
/* Override generic .form-group for hero form */
.hero-form-card .form-group label {
  color: rgba(255,255,255,0.75);
  font-size: 12px;
  font-weight: 600;
}
.hero-form-card .form-group input,
.hero-form-card .form-group select {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  color: #fff;
  border-radius: var(--radius);
  font-size: 14px;
  padding: 10px 14px;
  height: 42px;
}
.hero-form-card .form-group input::placeholder { color: rgba(255,255,255,0.4); }
.hero-form-card .form-group select option { background: #1A3FAA; color: #fff; }
.hero-form-card .form-group input:focus,
.hero-form-card .form-group select:focus {
  border-color: rgba(255,255,255,0.55);
  box-shadow: 0 0 0 3px rgba(255,255,255,0.10);
  outline: none;
}
.hero-form-card .form-group { margin-bottom: 14px; }
.hero-form-trust {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.hero-form-trust span {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 600;
  color: rgba(255,255,255,0.6);
  font-family: var(--font-head);
}
.hero-form-trust svg { stroke: rgba(255,255,255,0.55); flex-shrink: 0; }

/* ============================================================
   STAT CARD — COUNTER ANIMATION & SHINE EFFECT
   ============================================================ */
.stat-card-anim {
  position: relative;
  overflow: hidden;
}
.stat-card-shine {
  position: absolute;
  top: -50%;
  left: -75%;
  width: 50%;
  height: 200%;
  background: linear-gradient(105deg, transparent 30%, rgba(255,255,255,0.13) 50%, transparent 70%);
  transform: skewX(-15deg);
  pointer-events: none;
  opacity: 0;
  transition: none;
}
.stat-card-anim:hover .stat-card-shine {
  animation: shineSwipe 0.55s ease forwards;
}
@keyframes shineSwipe {
  0%   { left: -75%; opacity: 1; }
  100% { left: 130%;  opacity: 1; }
}
/* Counter pop on arrival */
.stat-card-anim.visible .stat-value {
  animation: countPop 0.4s cubic-bezier(0.34,1.56,0.64,1) 0.5s both;
}
@keyframes countPop {
  0%   { transform: scale(0.7); opacity: 0.4; }
  60%  { transform: scale(1.1); }
  100% { transform: scale(1);   opacity: 1; }
}
/* Hover lift for stat cards */
.stat-card-anim:hover {
  transform: translateY(-8px) scale(1.02);
  box-shadow: 0 16px 40px rgba(26,63,170,0.20);
}

/* ============================================================
   HOW IT WORKS — 4-STEP PROCESS SECTION
   ============================================================ */
.process-section { background: var(--off-white); }
.process-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 60px;
  align-items: start;
  margin-top: 56px;
}
.process-steps { display: flex; flex-direction: column; gap: 0; }
.process-step {
  display: flex;
  gap: 0;
  position: relative;
}
.ps-icon-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  width: 60px;
  flex-shrink: 0;
}
.ps-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 20px rgba(26,63,170,0.30);
  flex-shrink: 0;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  position: relative;
  z-index: 1;
}
.ps-icon svg {
  width: 22px;
  height: 22px;
  stroke: #fff;
}
.ps-icon-final {
  background: linear-gradient(135deg, #059669, #0EA5E9);
  box-shadow: 0 6px 20px rgba(5,150,105,0.35);
}
.process-step:hover .ps-icon {
  transform: scale(1.10);
  box-shadow: 0 10px 30px rgba(26,63,170,0.38);
}
.ps-connector {
  width: 2px;
  flex: 1;
  min-height: 40px;
  background: linear-gradient(to bottom, rgba(26,63,170,0.35), rgba(26,63,170,0.08));
  margin: 6px 0;
}
.ps-content {
  flex: 1;
  padding: 0 0 40px 20px;
}
.ps-num {
  font-family: var(--font-head);
  font-size: 11px;
  font-weight: 700;
  color: var(--primary);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 6px;
  opacity: 0.7;
}
.ps-content h4 {
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.ps-content p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.75;
}

/* ── Loan Preview Card (right side of process) ── */
.process-preview-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: 100px;
}
.ppc-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}
.ppc-logo-wrap { display: flex; align-items: center; }
.ppc-logo { width: 42px; height: 42px; border-radius: 10px; object-fit: contain; }
.ppc-amount {
  font-family: var(--font-head);
  font-size: 34px;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.5px;
  margin-bottom: 4px;
}
.ppc-label {
  font-size: 12px;
  color: var(--text-light);
  margin-bottom: 20px;
  font-weight: 500;
}
.ppc-details { margin-bottom: 20px; }
.ppc-detail-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
}
.ppc-detail-row:last-child { border-bottom: none; }
.ppc-key {
  font-size: 13px;
  color: var(--text-light);
  font-weight: 500;
}
.ppc-val {
  font-size: 14px;
  font-weight: 700;
  color: var(--text-dark);
  font-family: var(--font-head);
}
.ppc-val-green { color: #059669; }
.ppc-progress-wrap { margin-bottom: 16px; }
.ppc-progress-label {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-light);
  margin-bottom: 8px;
}
.ppc-progress-pct { color: var(--primary); font-weight: 700; }
.ppc-progress-bar {
  height: 8px;
  background: var(--border);
  border-radius: 50px;
  overflow: hidden;
}
.ppc-progress-fill {
  height: 100%;
  width: 0%;
  background: var(--gradient);
  border-radius: 50px;
  transition: width 1.4s cubic-bezier(0.4,0,0.2,1);
}
.process-preview-card.visible .ppc-progress-fill,
.ppc-progress-fill { width: 100%; }
.ppc-badges {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.ppc-badge {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 600;
  color: var(--primary);
  background: rgba(26,63,170,0.07);
  border-radius: 50px;
  padding: 5px 10px;
}
.ppc-badge svg { stroke: var(--primary); }

/* ============================================================
   LENDING PARTNERS — ABOUT PAGE SECTION
   ============================================================ */
.lp-about-section { background: var(--off-white); }
.lp-ab-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 0;
}
.lp-ab-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s ease, transform 0.3s ease;
}
.lp-ab-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.lp-ab-header {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 16px;
}
.lp-ab-badge {
  font-family: var(--font-head);
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 1.2px;
  padding: 4px 10px;
  border-radius: 6px;
  flex-shrink: 0;
  margin-top: 2px;
  text-transform: uppercase;
}
.lp-ab-badge.lsp {
  background: var(--primary);
  color: #fff;
}
.lp-ab-badge.dla {
  background: rgba(14,165,233,0.12);
  color: var(--accent);
  border: 1px solid rgba(14,165,233,0.3);
}
.lp-ab-badge.gro {
  background: rgba(245,158,11,0.12);
  color: #D97706;
  border: 1px solid rgba(245,158,11,0.3);
}
.lp-ab-name {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 3px;
}
.lp-ab-role {
  font-size: 12px;
  color: var(--text-light);
  font-weight: 500;
}
.lp-ab-desc {
  font-size: 13px;
  color: var(--text-light);
  line-height: 1.65;
  margin-bottom: 16px;
}
.lp-ab-divider {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 20px 0 16px;
}
.lp-ab-divider::before,
.lp-ab-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}
.lp-ab-divider span {
  font-size: 11px;
  font-weight: 700;
  color: var(--text-light);
  letter-spacing: 0.8px;
  text-transform: uppercase;
  white-space: nowrap;
}
.lp-ab-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  margin-top: 8px;
}
.lp-ab-table tr { border-bottom: 1px solid var(--border); }
.lp-ab-table tr:last-child { border-bottom: none; }
.lp-ab-table th {
  text-align: left;
  padding: 9px 10px 9px 0;
  font-weight: 600;
  color: var(--text-light);
  white-space: nowrap;
  width: 42%;
  vertical-align: top;
}
.lp-ab-table td {
  padding: 9px 0;
  color: var(--text-dark);
  font-weight: 500;
  word-break: break-word;
  vertical-align: top;
}
.lp-ab-table a { color: var(--primary); text-decoration: underline; text-underline-offset: 2px; }
.lp-ab-table a:hover { color: var(--primary-dark); }

/* GRO Full-Width Card */
.lp-gro-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.lp-gro-inner {
  display: flex;
  align-items: flex-start;
  gap: 24px;
  padding: 32px;
}
.lp-gro-icon {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  background: rgba(245,158,11,0.10);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.lp-gro-icon svg { stroke: #D97706; }
.lp-gro-body { flex: 1; }
.lp-gro-name {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 2px;
}
.lp-gro-person {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 8px;
}
.lp-gro-note {
  font-size: 13px;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 20px;
}
.lp-gro-contacts {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.lp-gro-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dark);
  text-decoration: none;
}
.lp-gro-contact-item svg { stroke: var(--primary); flex-shrink: 0; margin-top: 2px; }
a.lp-gro-contact-item:hover { color: var(--primary); }
.lp-rbi-note {
  margin-top: 28px;
  font-size: 13px;
  color: var(--text-light);
  background: rgba(26,63,170,0.05);
  border: 1px solid rgba(26,63,170,0.12);
  border-radius: var(--radius);
  padding: 14px 18px;
  line-height: 1.7;
  text-align: center;
}
.lp-rbi-note strong { color: var(--primary); }

/* ============================================================
   RESPONSIVE — NEW SECTIONS
   ============================================================ */
@media (max-width: 1024px) {
  .process-layout { grid-template-columns: 1fr; gap: 40px; }
  .process-preview-card { position: static; max-width: 480px; }
}
@media (max-width: 900px) {
  .hero-form-card { max-width: 100%; }
  .lp-ab-grid { grid-template-columns: 1fr; }
  .lp-gro-inner { flex-direction: column; gap: 16px; }
  .lp-gro-contacts { flex-direction: column; }
}
@media (max-width: 768px) {
  .process-step { gap: 0; }
  .ps-content { padding-bottom: 28px; }
  .ppc-amount { font-size: 28px; }
  .lp-gro-contacts { gap: 10px; }
}
@media (max-width: 640px) {
  .hero-form-card { padding: 24px 20px 18px; }
  .hero-form-header h3 { font-size: 18px; }
  .hero-form-trust { gap: 10px; }
  .process-layout { margin-top: 36px; }
  .ps-icon { width: 44px; height: 44px; }
  .ps-icon svg { width: 18px; height: 18px; }
  .ps-icon-wrap { width: 50px; }
  .lp-ab-card { padding: 22px 18px; }
  .lp-gro-inner { padding: 22px 18px; }
  .lp-ab-table th { width: 38%; font-size: 12px; }
  .lp-ab-table td { font-size: 12px; }
}
@media (max-width: 480px) {
  .hero-form-trust span { font-size: 10px; }
  .trust-label { font-size: 10px; }
  .trust-value { font-size: 12px; }
  .ppc-amount { font-size: 26px; }
  .ps-content h4 { font-size: 15px; }
}

/* ============================================================
   HERO MARQUEE — INSIDE HERO, LEFT TO RIGHT
   ============================================================ */
.hero-marquee-wrap {
  width: 100%;
  overflow: hidden;
  padding: 14px 0;
  background: rgba(255,255,255,0.06);
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-top: 40px;
  position: relative;
}
.hero-marquee-wrap::before,
.hero-marquee-wrap::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}
.hero-marquee-wrap::before {
  left: 0;
  background: linear-gradient(to right, rgba(26,63,170,0.85), transparent);
}
.hero-marquee-wrap::after {
  right: 0;
  background: linear-gradient(to left, rgba(26,63,170,0.85), transparent);
}
/* Left-to-right: start at -50%, animate to 0% */
@keyframes marquee-ltr {
  from { transform: translateX(-50%); }
  to   { transform: translateX(0%); }
}
.hero-marquee-track {
  display: flex;
  align-items: center;
  gap: 0;
  width: max-content;
  animation: marquee-ltr 28s linear infinite;
  white-space: nowrap;
}
.hero-marquee-wrap:hover .hero-marquee-track {
  animation-play-state: paused;
}
.hm-item {
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.82);
  letter-spacing: 0.02em;
  padding: 0 22px;
  white-space: nowrap;
  transition: color 0.2s;
}
.hm-item:hover { color: #fff; }
.hm-dot {
  color: var(--accent2);
  font-size: 8px;
  flex-shrink: 0;
  opacity: 0.7;
}

/* ============================================================
   EXPLORE PRODUCTS BUTTON — PILL / OUTLINE (matches Apply btn)
   ============================================================ */
.btn-hero-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
  border: 2px solid rgba(255,255,255,0.65);
  color: #fff;
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  text-decoration: none;
  cursor: pointer;
  transition: background 0.25s ease, border-color 0.25s ease, transform 0.2s ease;
  position: relative;
  overflow: hidden;
}
.btn-hero-outline:hover {
  background: rgba(255,255,255,0.18);
  border-color: rgba(255,255,255,0.9);
  transform: translateY(-2px);
}
.btn-hero-outline:active { transform: translateY(0); }

/* ============================================================
   TESTIMONIAL CARDS — CLEAR BORDER + DEFINED HOVER
   ============================================================ */
.testimonials-section { background: var(--off-white); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.testimonial-card {
  background: #fff;
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  overflow: hidden;
  transition: border-color 0.3s ease, box-shadow 0.3s ease, transform 0.3s ease;
}
.testimonial-card::before {
  content: '\201C';
  position: absolute;
  top: 12px; right: 20px;
  font-size: 72px;
  line-height: 1;
  color: var(--primary);
  opacity: 0.07;
  font-family: Georgia, serif;
  pointer-events: none;
}
.testimonial-card:hover {
  border-color: var(--primary);
  box-shadow: 0 12px 40px rgba(26,63,170,0.14);
  transform: translateY(-6px);
}
.testimonial-text {
  font-size: 14px;
  color: var(--text-mid);
  line-height: 1.8;
  flex: 1;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}
.author-info { flex: 1; }
.author-name {
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  color: var(--text-dark);
}
.author-meta {
  font-size: 12px;
  color: var(--text-light);
  margin-top: 2px;
}

/* ============================================================
   HORIZONTAL 4-STEP PROCESS
   ============================================================ */
.process-section { background: #fff; }
.hsteps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
  margin-top: 56px;
}
/* Horizontal connecting line between steps */
.hsteps-grid::before {
  content: '';
  position: absolute;
  top: 52px; /* center of icon circles */
  left: calc(12.5% + 28px);
  right: calc(12.5% + 28px);
  height: 2px;
  background: linear-gradient(to right, var(--primary), var(--accent));
  z-index: 0;
}
.hstep-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 20px 32px;
  position: relative;
  z-index: 1;
}
.hstep-number {
  font-family: var(--font-head);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 2px;
  color: var(--primary);
  text-transform: uppercase;
  margin-bottom: 14px;
  opacity: 0.65;
}
.hstep-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  box-shadow: 0 6px 24px rgba(26,63,170,0.28);
  position: relative;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  flex-shrink: 0;
}
.hstep-icon svg {
  width: 26px;
  height: 26px;
  stroke: #fff;
}
.hstep-card:hover .hstep-icon {
  transform: scale(1.12) translateY(-3px);
  box-shadow: 0 12px 32px rgba(26,63,170,0.36);
}
.hstep-card-final .hstep-icon {
  background: linear-gradient(135deg, #059669, #0EA5E9);
  box-shadow: 0 6px 24px rgba(5,150,105,0.32);
}
.hstep-card-final:hover .hstep-icon {
  box-shadow: 0 12px 32px rgba(5,150,105,0.40);
}
.hstep-card h4 {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 10px;
}
.hstep-card p {
  font-size: 13px;
  color: var(--text-light);
  line-height: 1.75;
}
/* Arrow between steps (hidden on last) */
.hstep-arrow {
  position: absolute;
  right: -12px;
  top: 49px; /* align with icon center */
  width: 24px;
  height: 24px;
  background: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--primary);
  z-index: 2;
}
.hstep-arrow svg {
  width: 14px;
  height: 14px;
  stroke: var(--primary);
  stroke-width: 2.5;
}

/* ============================================================
   EMI CALCULATOR SECTION
   ============================================================ */
.emi-section { background: var(--off-white); }
.emi-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
  margin-top: 52px;
}

/* -- Sliders panel -- */
.emi-sliders {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow-sm);
}
.emi-slider-group { margin-bottom: 32px; }
.emi-slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}
.emi-slider-header label {
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 600;
  color: var(--text-dark);
}
.emi-slider-val {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 800;
  color: var(--primary);
  min-width: 100px;
  text-align: right;
}
/* Range slider styling */
.emi-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 50px;
  background: linear-gradient(to right, var(--primary) 0%, var(--primary) 20%, var(--border) 20%);
  outline: none;
  cursor: pointer;
  margin-bottom: 8px;
}
.emi-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--primary);
  box-shadow: 0 2px 10px rgba(26,63,170,0.25);
  cursor: pointer;
  transition: box-shadow 0.2s, transform 0.2s;
}
.emi-range::-webkit-slider-thumb:hover,
.emi-range:focus::-webkit-slider-thumb {
  box-shadow: 0 4px 18px rgba(26,63,170,0.40);
  transform: scale(1.15);
}
.emi-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--primary);
  box-shadow: 0 2px 10px rgba(26,63,170,0.25);
  cursor: pointer;
}
.emi-range-limits {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--text-light);
  font-weight: 500;
}

/* -- Results panel -- */
.emi-results {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.emi-emi-highlight {
  background: var(--gradient);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  text-align: center;
  box-shadow: var(--shadow-md);
}
.emi-emi-label {
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  margin-bottom: 8px;
}
.emi-emi-value {
  font-family: var(--font-head);
  font-size: 44px;
  font-weight: 900;
  color: #fff;
  letter-spacing: -1px;
}

/* Donut chart */
.emi-donut-wrap {
  display: flex;
  align-items: center;
  gap: 20px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
}
.emi-donut {
  width: 100px;
  height: 100px;
  transform: rotate(-90deg);
  flex-shrink: 0;
}
.emi-donut-bg {
  fill: none;
  stroke: var(--border);
  stroke-width: 20;
}
.emi-donut-principal {
  fill: none;
  stroke: var(--primary);
  stroke-width: 20;
  stroke-dasharray: 314;
  stroke-dashoffset: 0;
  stroke-linecap: butt;
  transition: stroke-dashoffset 0.6s ease;
}
.emi-donut-interest {
  fill: none;
  stroke: var(--accent2);
  stroke-width: 20;
  stroke-dasharray: 314;
  stroke-dashoffset: 314; /* hidden by default, JS sets this */
  stroke-linecap: butt;
  transition: stroke-dashoffset 0.6s ease;
}
.emi-donut-legend {
  display: flex;
  flex-direction: column;
  gap: 10px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-mid);
  font-family: var(--font-head);
}
.emi-donut-legend span { display: inline-flex; align-items: center; gap: 7px; }
.emi-legend-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  flex-shrink: 0;
}
.emi-legend-dot.principal { background: var(--primary); }
.emi-legend-dot.interest  { background: var(--accent2); }

/* Result grid */
.emi-result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.emi-result-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 20px;
  transition: border-color 0.3s ease, box-shadow 0.3s ease;
}
.emi-result-item:hover {
  border-color: var(--primary);
  box-shadow: 0 4px 16px rgba(26,63,170,0.10);
}
.emi-result-full {
  grid-column: 1 / -1;
  background: rgba(26,63,170,0.04);
  border-color: rgba(26,63,170,0.2);
}
.emi-result-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-light);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.emi-result-value {
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 800;
  color: var(--text-dark);
}
.principal-color { color: var(--primary); }
.interest-color  { color: #D97706; }

/* ============================================================
   LOAN APPLICATION FORM — SECTION HEADERS
   ============================================================ */
.af-form-section-head {
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--primary);
  padding: 14px 0 8px;
  border-bottom: 2px solid rgba(26,63,170,0.12);
  margin-bottom: 16px;
  margin-top: 8px;
}
.af-form-section-head:first-of-type { margin-top: 0; padding-top: 0; }

/* ============================================================
   RESPONSIVE — NEW SECTIONS (EMI, MARQUEE, STEPS, TESTIMONIALS)
   ============================================================ */
@media (max-width: 1100px) {
  .hsteps-grid::before { display: none; }
  .hstep-arrow { display: none; }
  .hsteps-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }
  .hstep-card { padding: 28px 20px; }
  .emi-layout { gap: 32px; }
}
@media (max-width: 900px) {
  .emi-layout { grid-template-columns: 1fr; gap: 28px; }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .emi-sliders { padding: 28px 24px; }
  .emi-emi-value { font-size: 36px; }
}
@media (max-width: 768px) {
  .hsteps-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .hero-marquee-wrap { margin-top: 24px; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; gap: 16px; }
  .testimonial-card { padding: 22px 18px; }
}
@media (max-width: 640px) {
  .hsteps-grid { grid-template-columns: 1fr; gap: 16px; }
  .hstep-card { padding: 24px 20px; flex-direction: row; text-align: left; gap: 16px; }
  .hstep-icon { width: 52px; height: 52px; margin-bottom: 0; flex-shrink: 0; }
  .hstep-icon svg { width: 22px; height: 22px; }
  .hstep-number { margin-bottom: 4px; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .emi-result-grid { grid-template-columns: 1fr; }
  .emi-result-full { grid-column: auto; }
  .emi-sliders { padding: 24px 18px; }
  .emi-emi-highlight { padding: 22px 24px; }
  .emi-emi-value { font-size: 32px; }
  .hero-marquee-wrap::before,
  .hero-marquee-wrap::after { width: 40px; }
}
@media (max-width: 480px) {
  .btn-hero-outline { padding: 12px 24px; font-size: 14px; }
  .hm-item { font-size: 12px; padding: 0 16px; }
  .emi-result-value { font-size: 18px; }
  .emi-donut-wrap { flex-direction: column; text-align: center; }
  .emi-donut-legend { flex-direction: row; flex-wrap: wrap; justify-content: center; }
}