/* ============================================================
   ADITSH FINTECH PVT. LTD. — MAIN STYLESHEET v2.0
   Professional NBFC Website — NeoGrowth / LendingKart Grade
   ============================================================ */

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

/* ============================================================
   CSS CUSTOM PROPERTIES
   ============================================================ */
:root {
  /* Brand Colors */
  --primary:        #1A3FAA;
  --primary-dark:   #102A7A;
  --primary-light:  #2B55D4;
  --accent:         #F97316;    /* CTA orange – NeoGrowth-inspired */
  --accent-dark:    #EA6C0A;
  --sky:            #0EA5E9;
  --success:        #10B981;
  --warning:        #F59E0B;
  --danger:         #EF4444;

  /* Neutrals */
  --text-dark:      #0F172A;
  --text-mid:       #1E293B;
  --text-body:      #334155;
  --text-light:     #64748B;
  --text-muted:     #94A3B8;
  --white:          #FFFFFF;
  --off-white:      #F8FAFF;
  --surface:        #F1F5F9;
  --border:         #E2E8F0;
  --border-light:   #F1F5F9;

  /* Gradients */
  --gradient:       linear-gradient(135deg, #1A3FAA 0%, #0EA5E9 100%);
  --gradient-dark:  linear-gradient(135deg, #102A7A 0%, #1A3FAA 60%, #0EA5E9 100%);
  --gradient-warm:  linear-gradient(135deg, #F97316 0%, #FBBF24 100%);

  /* Shadows */
  --shadow-xs:      0 1px 3px rgba(15,23,42,0.06), 0 1px 2px rgba(15,23,42,0.04);
  --shadow-sm:      0 2px 8px rgba(26,63,170,0.08);
  --shadow-md:      0 8px 24px rgba(26,63,170,0.12);
  --shadow-lg:      0 20px 48px rgba(26,63,170,0.16);
  --shadow-xl:      0 32px 64px rgba(26,63,170,0.20);
  --shadow-card:    0 4px 16px rgba(15,23,42,0.08), 0 1px 4px rgba(15,23,42,0.04);
  --shadow-hover:   0 12px 32px rgba(26,63,170,0.18);

  /* Shape */
  --radius-sm:      6px;
  --radius:         10px;
  --radius-md:      12px;
  --radius-lg:      16px;
  --radius-xl:      24px;
  --radius-pill:    50px;

  /* Typography */
  --font-head:      'Poppins', sans-serif;
  --font-body:      'Inter', sans-serif;

  /* Motion */
  --ease:           cubic-bezier(0.4, 0, 0.2, 1);
  --ease-out:       cubic-bezier(0, 0, 0.2, 1);
  --duration:       0.25s;
  --transition:     all var(--duration) var(--ease);

  /* Layout */
  --container:      1180px;
  --nav-h:          72px;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}
html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-body);
  background: var(--white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; height: auto; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea {
  font-family: var(--font-body);
  font-size: inherit;
  color: var(--text-dark);
}
textarea { resize: vertical; }
svg { display: block; }

/* ============================================================
   UTILITY CLASSES
   ============================================================ */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
.section         { padding: 88px 0; }
.section-sm      { padding: 56px 0; }
.section-xs      { padding: 32px 0; }
.bg-off          { background: var(--off-white); }
.bg-surface      { background: var(--surface); }
.text-center     { text-align: center; }
.sr-only         { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }

/* Section Labels */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(26,63,170,0.07);
  color: var(--primary);
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 11.5px;
  letter-spacing: 1.8px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--radius-pill);
  margin-bottom: 14px;
}
.section-label::before {
  content: '';
  width: 5px; height: 5px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
}

/* Section Typography */
.section-title {
  font-family: var(--font-head);
  font-size: clamp(26px, 3.2vw, 42px);
  font-weight: 700;
  line-height: 1.22;
  color: var(--text-dark);
  margin-bottom: 14px;
}
.section-title span { color: var(--primary); }
.section-title .accent-span { color: var(--accent); }

.section-sub {
  font-size: 16px;
  color: var(--text-light);
  max-width: 580px;
  line-height: 1.75;
  margin-bottom: 0;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  padding: 13px 28px;
  border-radius: var(--radius-pill);
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 14.5px;
  transition: var(--transition);
  white-space: nowrap;
  line-height: 1;
  cursor: pointer;
  border: 2px solid transparent;
  letter-spacing: 0.1px;
}
.btn-primary {
  background: var(--accent);
  color: var(--white);
  border-color: var(--accent);
  box-shadow: 0 4px 18px rgba(249,115,22,0.30);
}
.btn-primary:hover, .btn-primary:focus-visible {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  box-shadow: 0 8px 28px rgba(249,115,22,0.40);
  transform: translateY(-1px);
}
.btn-blue {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  box-shadow: 0 4px 18px rgba(26,63,170,0.28);
}
.btn-blue:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  box-shadow: 0 8px 28px rgba(26,63,170,0.38);
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(26,63,170,0.22);
}
.btn-ghost {
  background: rgba(255,255,255,0.15);
  color: var(--white);
  border-color: rgba(255,255,255,0.40);
  backdrop-filter: blur(4px);
}
.btn-ghost:hover {
  background: rgba(255,255,255,0.25);
  border-color: rgba(255,255,255,0.70);
}
.btn-white {
  background: var(--white);
  color: var(--primary);
  border-color: var(--white);
  box-shadow: 0 4px 16px rgba(0,0,0,0.12);
}
.btn-white:hover {
  background: var(--off-white);
  box-shadow: 0 8px 24px rgba(0,0,0,0.18);
  transform: translateY(-1px);
}
.btn-sm { padding: 9px 20px; font-size: 13px; }
.btn-lg { padding: 16px 36px; font-size: 16px; }
.btn-full { width: 100%; }
.btn:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }

/* ============================================================
   ANNOUNCEMENT BAR
   ============================================================ */
.announce-bar {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.88);
  font-size: 12.5px;
  font-family: var(--font-body);
  padding: 8px 0;
  text-align: center;
  line-height: 1.5;
  position: relative;
  z-index: 1001;
}
.announce-bar a {
  color: var(--accent);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.announce-bar strong { color: var(--white); }
.announce-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 18px;
  flex-wrap: wrap;
}
.announce-sep { opacity: 0.35; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.navbar {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border-light);
  transition: box-shadow var(--duration) var(--ease);
}
.navbar.scrolled {
  box-shadow: 0 2px 20px rgba(26,63,170,0.10);
  border-bottom-color: var(--border);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--nav-h);
  gap: 8px;
}

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 11px;
  flex-shrink: 0;
}
.nav-logo-img {
  width: 42px;
  height: 42px;
  object-fit: contain;
  border-radius: 8px;
}
.nav-logo-fallback {
  width: 42px;
  height: 42px;
  background: var(--gradient);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 18px;
  color: white;
  flex-shrink: 0;
}
.logo-text .main {
  font-family: var(--font-head);
  font-size: 18.5px;
  font-weight: 800;
  color: var(--primary);
  line-height: 1.1;
  letter-spacing: -0.3px;
}
.logo-text .sub {
  font-size: 9.5px;
  font-weight: 500;
  color: var(--text-muted);
  letter-spacing: 1.2px;
  text-transform: uppercase;
  line-height: 1;
  margin-top: 1px;
}

/* Nav Menu */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 2px;
}
.nav-link {
  font-family: var(--font-head);
  font-weight: 500;
  font-size: 14px;
  color: var(--text-mid);
  padding: 8px 13px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  position: relative;
  letter-spacing: 0.1px;
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-link:hover, .nav-link.active {
  color: var(--primary);
  background: rgba(26,63,170,0.06);
}
.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 3px;
  left: 50%;
  transform: translateX(-50%);
  width: 20px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
}

/* Dropdown */
.nav-item { position: relative; }
.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: 0 16px 48px rgba(15,23,42,0.14);
  padding: 8px;
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: all 0.2s var(--ease-out);
  z-index: 200;
}
.nav-item:hover .dropdown,
.nav-item:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dd-link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 9px 12px;
  border-radius: var(--radius-sm);
  font-size: 13.5px;
  font-weight: 500;
  color: var(--text-body);
  transition: var(--transition);
}
.dd-link:hover {
  color: var(--primary);
  background: rgba(26,63,170,0.06);
}
.dd-dot {
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--border);
  flex-shrink: 0;
  transition: var(--transition);
}
.dd-link:hover .dd-dot { background: var(--accent); }

/* Nav CTA area */
.nav-cta {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.nav-phone-link {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-mid);
  transition: var(--transition);
  padding: 4px 0;
}
.nav-phone-link:hover { color: var(--primary); }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  width: 40px;
  height: 40px;
  gap: 5px;
  padding: 0;
  border-radius: var(--radius-sm);
  transition: background var(--duration) var(--ease);
}
.hamburger:hover { background: var(--surface); }
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text-dark);
  border-radius: 2px;
  transition: all 0.3s var(--ease);
  transform-origin: center;
}
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav {
  display: none;
  position: fixed;
  /* top / max-height are set dynamically by JS to account for
     the announcement bar height at any scroll position */
  top: var(--nav-h); /* fallback only */
  left: 0;
  right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 16px 32px rgba(15,23,42,0.12);
  max-height: calc(100vh - var(--nav-h)); /* fallback only */
  overflow-y: auto;
  padding: 12px 16px 24px;
  z-index: 999;
  transform: translateY(-8px);
  opacity: 0;
  transition: opacity 0.25s var(--ease-out), transform 0.25s var(--ease-out);
  pointer-events: none;
}
.mobile-nav.open {
  opacity: 1;
  transform: translateY(0);
  pointer-events: all;
}
.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 13px 12px;
  font-size: 15px;
  font-weight: 600;
  font-family: var(--font-head);
  color: var(--text-mid);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition);
}
.mobile-nav-link:hover { background: var(--surface); color: var(--primary); }
.mobile-nav-link.active { color: var(--primary); }
.mobile-nav-link .arrow {
  font-size: 18px;
  font-weight: 400;
  transition: transform 0.2s var(--ease);
  line-height: 1;
}
.mobile-sub-links { display: none; padding: 0 12px 4px; }
.mobile-sub-links.open { display: block; }
.mobile-sub-link {
  display: block;
  padding: 9px 12px;
  font-size: 13.5px;
  color: var(--text-light);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.mobile-sub-link:hover { color: var(--primary); background: rgba(26,63,170,0.04); }
.mobile-nav-cta { padding: 12px 12px 0; }
.mobile-nav-divider { height: 1px; background: var(--border); margin: 8px 12px; }

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  position: relative;
  background: var(--gradient-dark);
  padding: 72px 0 0;
  overflow: hidden;
  min-height: 92vh;
  display: flex;
  flex-direction: column;
}

/* Geometric background elements */
.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.hero-circle {
  position: absolute;
  border-radius: 50%;
  opacity: 0.07;
}
.hero-circle-1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, #fff, transparent);
  top: -200px; right: -100px;
}
.hero-circle-2 {
  width: 350px; height: 350px;
  background: radial-gradient(circle, var(--sky), transparent);
  bottom: 50px; left: -80px;
  opacity: 0.12;
}
.hero-line {
  position: absolute;
  background: rgba(255,255,255,0.06);
  transform-origin: left;
}
.hero-line-1 { width: 300px; height: 1px; top: 180px; right: 120px; transform: rotate(-25deg); }
.hero-line-2 { width: 200px; height: 1px; top: 300px; right: 80px; transform: rotate(-25deg); }
.hero-line-3 { width: 180px; height: 1px; bottom: 200px; left: 300px; transform: rotate(20deg); }

/* Hero content grid */
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 48px;
  align-items: center;
  flex: 1;
  padding-bottom: 48px;
}

/* Left column */
.hero-content { position: relative; z-index: 2; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.20);
  color: rgba(255,255,255,0.92);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 5px 13px;
  border-radius: var(--radius-pill);
  margin-bottom: 20px;
}
.hero-badge-dot {
  width: 6px; height: 6px;
  background: var(--success);
  border-radius: 50%;
  animation: pulse-dot 2s ease infinite;
}
@keyframes pulse-dot {
  0%, 100% { transform: scale(1); opacity: 1; }
  50%       { transform: scale(1.4); opacity: 0.7; }
}

.hero-title {
  font-family: var(--font-head);
  font-size: clamp(32px, 4.5vw, 58px);
  font-weight: 800;
  line-height: 1.15;
  color: var(--white);
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}
.hero-title span {
  background: linear-gradient(90deg, #F97316, #FBBF24);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.75);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 520px;
}

.hero-actions {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 48px;
}

/* Trust bar */
.hero-trust {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 18px 24px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  flex: 1;
  min-width: 130px;
}
.trust-icon {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.12);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-icon svg { color: rgba(255,255,255,0.85); }
.trust-label { font-size: 11px; color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.8px; font-weight: 600; }
.trust-val { font-family: var(--font-head); font-size: 15px; font-weight: 700; color: var(--white); line-height: 1.2; }
.trust-sep { width: 1px; height: 36px; background: rgba(255,255,255,0.15); margin: 0 20px; }

/* Right column – Glass form card */
.hero-form-wrap { position: relative; z-index: 2; }
.hero-form-card {
  background: rgba(255,255,255,0.97);
  border-radius: var(--radius-xl);
  padding: 32px;
  box-shadow: 0 24px 64px rgba(0,0,0,0.25);
  border: 1px solid rgba(255,255,255,0.5);
}
.form-card-header { margin-bottom: 24px; }
.form-card-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(249,115,22,0.10);
  color: var(--accent);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 4px 11px;
  border-radius: var(--radius-pill);
  margin-bottom: 10px;
}
.form-card-header h3 {
  font-family: var(--font-head);
  font-size: 21px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 4px;
}
.form-card-header p { font-size: 13.5px; color: var(--text-light); }

/* Marquee */
.hero-marquee {
  background: rgba(0,0,0,0.18);
  border-top: 1px solid rgba(255,255,255,0.10);
  padding: 12px 0;
  overflow: hidden;
  white-space: nowrap;
}
.hero-marquee-inner {
  display: inline-flex;
  gap: 0;
  animation: marquee-scroll 35s linear infinite;
}
@keyframes marquee-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.hm-item {
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  padding: 0 20px;
}
.hm-sep {
  color: var(--accent);
  opacity: 0.7;
  font-size: 10px;
}

/* ============================================================
   STATS SECTION
   ============================================================ */
.stats-section {
  background: var(--white);
  padding: 48px 0;
  border-bottom: 1px solid var(--border-light);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-xs);
}
.stat-item {
  background: var(--white);
  padding: 32px 28px;
  text-align: center;
  position: relative;
  transition: background var(--duration) var(--ease);
}
.stat-item:hover { background: var(--off-white); }
.stat-icon {
  width: 44px; height: 44px;
  background: rgba(26,63,170,0.08);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
  color: var(--primary);
}
.stat-num {
  font-family: var(--font-head);
  font-size: 34px;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.1;
  margin-bottom: 4px;
  letter-spacing: -0.5px;
}
.stat-num .suffix { font-size: 22px; }
.stat-name {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-mid);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 3px;
}
.stat-note { font-size: 12.5px; color: var(--text-muted); }

/* ============================================================
   LOAN PRODUCTS GRID
   ============================================================ */
.products-section .section-header {
  text-align: center;
  margin-bottom: 52px;
}
.products-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}
.product-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 18px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: all 0.25s var(--ease);
  position: relative;
  overflow: hidden;
  cursor: pointer;
  text-decoration: none;
  color: inherit;
}
.product-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--gradient);
  opacity: 0;
  transition: opacity 0.25s var(--ease);
  pointer-events: none;
}
.product-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-hover);
  transform: translateY(-4px);
}
.product-card:hover::before { opacity: 0.04; }
.product-card:hover .prod-icon-wrap { background: var(--primary); }
.product-card:hover .prod-icon-wrap svg { color: white; }
.product-card:hover .prod-title { color: var(--primary); }
.product-card:hover .prod-arrow { opacity: 1; transform: translateX(2px); }

.prod-icon-wrap {
  width: 44px; height: 44px;
  background: rgba(26,63,170,0.08);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.25s var(--ease);
}
.prod-icon-wrap svg { width: 20px; height: 20px; color: var(--primary); transition: color 0.25s var(--ease); }
.prod-title {
  font-family: var(--font-head);
  font-size: 13.5px;
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.3;
  transition: color 0.25s var(--ease);
}
.prod-rate {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--success);
  background: rgba(16,185,129,0.10);
  padding: 2px 8px;
  border-radius: var(--radius-pill);
  display: inline-block;
  width: fit-content;
}
.prod-desc { font-size: 12.5px; color: var(--text-light); line-height: 1.55; flex: 1; }
.prod-arrow {
  font-size: 16px;
  color: var(--primary);
  opacity: 0;
  transition: all 0.25s var(--ease);
  align-self: flex-start;
}

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-section .why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.why-visual-card {
  background: var(--gradient);
  border-radius: var(--radius-xl);
  padding: 44px;
  color: white;
  position: relative;
  overflow: hidden;
}
.why-visual-card::before {
  content: '';
  position: absolute;
  width: 280px; height: 280px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
  top: -80px; right: -80px;
}
.why-big-number {
  font-family: var(--font-head);
  font-size: 60px;
  font-weight: 900;
  line-height: 1;
  margin-bottom: 8px;
  letter-spacing: -2px;
}
.why-big-label { font-size: 17px; font-weight: 500; opacity: 0.85; margin-bottom: 16px; }
.why-desc { font-size: 15px; opacity: 0.72; line-height: 1.7; margin-bottom: 28px; }
.why-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  color: white;
  font-size: 12.5px;
  font-weight: 600;
  padding: 7px 14px;
  border-radius: var(--radius-pill);
}
.why-approval-bar { margin-top: 28px; }
.why-approval-label { font-size: 12px; opacity: 0.6; margin-bottom: 6px; display: flex; justify-content: space-between; }
.why-approval-track {
  height: 6px;
  background: rgba(255,255,255,0.15);
  border-radius: 3px;
  overflow: hidden;
}
.why-approval-fill {
  height: 100%;
  width: 78%;
  background: linear-gradient(90deg, rgba(255,255,255,0.7), var(--white));
  border-radius: 3px;
  transition: width 1.5s var(--ease-out);
}

.why-list { display: flex; flex-direction: column; gap: 22px; }
.why-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.why-item-icon {
  width: 44px; height: 44px;
  background: rgba(26,63,170,0.08);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--primary);
}
.why-item-icon svg { width: 20px; height: 20px; }
.why-item h4 {
  font-family: var(--font-head);
  font-size: 15.5px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 4px;
}
.why-item p { font-size: 14px; color: var(--text-light); line-height: 1.65; }

/* ============================================================
   PROCESS STEPS
   ============================================================ */
.process-section { background: var(--off-white); }
.process-section .section-header { text-align: center; margin-bottom: 56px; }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 44px;
  left: 12.5%;
  right: 12.5%;
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.step-item {
  position: relative;
  text-align: center;
  padding: 0 16px;
  z-index: 1;
}
.step-num-wrap {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--white);
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  position: relative;
  transition: all 0.3s var(--ease);
}
.step-item.active .step-num-wrap,
.step-item:hover .step-num-wrap {
  background: var(--primary);
  border-color: var(--primary);
}
.step-num {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 800;
  color: var(--text-light);
  transition: color 0.3s;
}
.step-item.active .step-num,
.step-item:hover .step-num { color: white; }
.step-icon-inner { display: none; }
.step-title {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.step-desc { font-size: 13.5px; color: var(--text-light); line-height: 1.6; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section { background: var(--white); }
.testimonials-section .section-header { text-align: center; margin-bottom: 48px; }
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.testi-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: all 0.25s var(--ease);
  position: relative;
}
.testi-card:hover {
  box-shadow: var(--shadow-card);
  border-color: rgba(26,63,170,0.20);
  transform: translateY(-3px);
}
.testi-quote {
  font-size: 42px;
  line-height: 1;
  color: var(--accent);
  font-family: Georgia, serif;
  opacity: 0.4;
  margin-bottom: -8px;
}
.testi-stars { display: flex; gap: 3px; }
.testi-star { font-size: 14px; color: var(--warning); }
.testi-star.empty { color: var(--border); }
.testi-text {
  font-size: 14.5px;
  color: var(--text-body);
  line-height: 1.72;
  flex: 1;
}
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 42px; height: 42px;
  background: var(--gradient);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}
.testi-name { font-family: var(--font-head); font-size: 14px; font-weight: 700; color: var(--text-dark); }
.testi-meta { font-size: 12px; color: var(--text-muted); margin-top: 1px; }
.testi-verified {
  display: flex;
  align-items: center;
  gap: 4px;
  background: rgba(16,185,129,0.10);
  color: var(--success);
  font-size: 11px;
  font-weight: 600;
  padding: 3px 8px;
  border-radius: var(--radius-pill);
  margin-left: auto;
  white-space: nowrap;
  flex-shrink: 0;
}

/* ============================================================
   EMI CALCULATOR
   ============================================================ */
.emi-section { background: var(--off-white); }
.emi-section .section-header { text-align: center; margin-bottom: 52px; }
.emi-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
.emi-controls { padding: 40px; }
.emi-controls h3 {
  font-family: var(--font-head);
  font-size: 19px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 28px;
}
.emi-slider-group { margin-bottom: 28px; }
.emi-slider-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 10px;
}
.emi-slider-row label {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--text-mid);
}
.emi-val {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
  color: var(--primary);
  background: rgba(26,63,170,0.08);
  padding: 3px 10px;
  border-radius: var(--radius-pill);
  min-width: 80px;
  text-align: center;
}
.emi-range {
  -webkit-appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 3px;
  background: linear-gradient(to right, var(--primary) var(--pct, 0%), var(--border) var(--pct, 0%));
  outline: none;
  cursor: pointer;
}
.emi-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  background: var(--primary);
  border: 2px solid var(--white);
  border-radius: 50%;
  box-shadow: 0 2px 6px rgba(26,63,170,0.30);
  cursor: grab;
  transition: transform 0.15s;
}
.emi-range::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.2); }
.emi-range::-moz-range-thumb {
  width: 18px; height: 18px;
  background: var(--primary);
  border: 2px solid var(--white);
  border-radius: 50%;
  cursor: grab;
}
.emi-limits { display: flex; justify-content: space-between; font-size: 11.5px; color: var(--text-muted); margin-top: 5px; }

.emi-results {
  background: var(--gradient-dark);
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  color: white;
}
.emi-highlight {
  text-align: center;
  margin-bottom: 32px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}
.emi-highlight-label {
  font-size: 13px;
  opacity: 0.65;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
  font-weight: 600;
}
.emi-monthly {
  font-family: var(--font-head);
  font-size: 52px;
  font-weight: 900;
  letter-spacing: -2px;
  line-height: 1;
  margin-bottom: 6px;
}
.emi-monthly-sub { font-size: 13px; opacity: 0.55; }

.emi-breakup { display: flex; flex-direction: column; gap: 14px; margin-bottom: 28px; }
.emi-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.emi-row-label { font-size: 13.5px; opacity: 0.70; display: flex; align-items: center; gap: 8px; }
.emi-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.emi-dot.principal { background: rgba(255,255,255,0.7); }
.emi-dot.interest  { background: var(--accent); }
.emi-row-val {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
}
.emi-row.total .emi-row-label { opacity: 1; font-weight: 600; font-size: 14px; }
.emi-row.total .emi-row-val   { font-size: 17px; }

/* Donut */
.emi-donut-wrap {
  position: relative;
  width: 100px;
  height: 100px;
  margin: 0 auto 24px;
}
.emi-donut { width: 100%; height: 100%; transform: rotate(-90deg); }
.emi-donut-bg    { fill: none; stroke: rgba(255,255,255,0.12); stroke-width: 10; }
.emi-donut-fill  { fill: none; stroke-width: 10; stroke-linecap: butt; transition: stroke-dashoffset 0.6s var(--ease-out); }
.donut-principal { stroke: rgba(255,255,255,0.6); }
.donut-interest  { stroke: var(--accent); }

/* ============================================================
   APPLICATION FORM SECTION
   ============================================================ */
.apply-section {
  background: var(--white);
  padding: 88px 0;
}
.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1.35fr;
  gap: 64px;
  align-items: start;
}
.apply-info .section-label { margin-bottom: 12px; }
.apply-info .section-title { margin-bottom: 14px; }
.apply-info > p {
  font-size: 15px;
  color: var(--text-light);
  line-height: 1.8;
  margin-bottom: 36px;
}
.apply-steps { display: flex; flex-direction: column; gap: 20px; }
.apply-step { display: flex; gap: 16px; align-items: flex-start; }
.apply-step-num {
  width: 36px; height: 36px;
  background: var(--gradient);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 800;
  color: white;
  flex-shrink: 0;
}
.apply-step h4 {
  font-family: var(--font-head);
  font-size: 14.5px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 3px;
}
.apply-step p { font-size: 13.5px; color: var(--text-light); line-height: 1.6; }

/* Form Card */
.form-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-card);
}

/* Stepper */
.form-stepper {
  display: flex;
  align-items: center;
  gap: 0;
  margin-bottom: 28px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border-light);
}
.stepper-step {
  display: flex;
  align-items: center;
  flex: 1;
  gap: 0;
}
.stepper-circle {
  width: 30px; height: 30px;
  border-radius: 50%;
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 700;
  color: var(--text-muted);
  flex-shrink: 0;
  transition: all 0.3s;
  background: var(--white);
}
.stepper-label {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-muted);
  margin-left: 7px;
  white-space: nowrap;
  transition: color 0.3s;
}
.stepper-line {
  flex: 1;
  height: 2px;
  background: var(--border);
  margin: 0 6px;
  transition: background 0.3s;
}
.stepper-step.active .stepper-circle {
  background: var(--primary);
  border-color: var(--primary);
  color: white;
}
.stepper-step.active .stepper-label { color: var(--primary); }
.stepper-step.done .stepper-circle {
  background: var(--success);
  border-color: var(--success);
  color: white;
}
.stepper-step.done + .stepper-line,
.stepper-step.done .stepper-line { background: var(--success); }

/* Form Groups */
.form-section-head {
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: var(--primary);
  background: rgba(26,63,170,0.06);
  padding: 7px 12px;
  border-radius: var(--radius-sm);
  margin: 20px 0 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.form-section-head::before {
  content: '';
  width: 3px; height: 14px;
  background: var(--primary);
  border-radius: 2px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.form-group { display: flex; flex-direction: column; gap: 5px; margin-bottom: 14px; }
.form-group label {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--text-mid);
  letter-spacing: 0.1px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 10px 13px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  line-height: 1.5;
}
.form-group input:hover,
.form-group select:hover,
.form-group textarea:hover { border-color: #94A3B8; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,63,170,0.10);
}
.form-group input.error,
.form-group select.error { border-color: var(--danger); }
.form-group .field-error {
  font-size: 11.5px;
  color: var(--danger);
  margin-top: 2px;
  display: none;
}
.form-group input.error ~ .field-error,
.form-group select.error ~ .field-error { display: block; }
.form-group select { cursor: pointer; }
.consent-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 14px 0;
}
.consent-row input[type="checkbox"] {
  width: 16px; height: 16px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--primary);
  cursor: pointer;
}
.consent-row label {
  font-size: 12.5px;
  color: var(--text-light);
  font-weight: 400;
  line-height: 1.6;
  cursor: pointer;
}
.consent-row a { color: var(--primary); text-decoration: underline; text-underline-offset: 2px; }
.form-secure {
  text-align: center;
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
}
.form-secure svg { color: var(--success); }

/* Success message */
.success-msg {
  display: none;
  text-align: center;
  padding: 32px 16px;
}
.success-msg.visible { display: block; }
.success-icon {
  width: 64px; height: 64px;
  background: rgba(16,185,129,0.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  font-size: 28px;
}
.success-msg h4 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.success-msg p { font-size: 14.5px; color: var(--text-light); line-height: 1.7; }

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
  background: var(--gradient-dark);
  padding: 88px 0;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(255,255,255,0.06), transparent);
  top: -150px; right: -100px;
  pointer-events: none;
}
.cta-inner {
  max-width: 700px;
  margin: 0 auto;
  text-align: center;
}
.cta-inner .section-label { background: rgba(255,255,255,0.12); color: rgba(255,255,255,0.85); }
.cta-inner .section-label::before { background: var(--accent); }
.cta-inner h2 {
  font-family: var(--font-head);
  font-size: clamp(26px, 3.5vw, 42px);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}
.cta-inner p {
  font-size: 17px;
  color: rgba(255,255,255,0.68);
  line-height: 1.72;
  margin-bottom: 36px;
}
.cta-actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 32px;
}
.cta-contact-row {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 24px;
}
.cta-contact-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.72);
  font-size: 14px;
  font-weight: 500;
  transition: color 0.2s;
}
.cta-contact-item:hover { color: var(--white); }
.cta-contact-item svg { color: var(--accent); width: 16px; height: 16px; }

/* ============================================================
   FOOTER
   ============================================================ */
footer {
  background: #050E1F;
  color: rgba(255,255,255,0.70);
}
.footer-main { padding: 64px 0 40px; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.6fr 1.4fr;
  gap: 40px;
}
.footer-brand {}
.footer-logo-link {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
}
.footer-logo-img { width: 40px; height: 40px; object-fit: contain; border-radius: 8px; }
.footer-brand-text .main { font-family: var(--font-head); font-size: 17px; font-weight: 800; color: white; }
.footer-brand-text .sub { font-size: 10px; color: rgba(255,255,255,0.40); text-transform: uppercase; letter-spacing: 1px; }
.footer-brand p {
  font-size: 13.5px;
  line-height: 1.75;
  color: rgba(255,255,255,0.52);
  margin-bottom: 22px;
  max-width: 280px;
}
.footer-socials { display: flex; gap: 8px; margin-bottom: 20px; }
.social-btn {
  width: 34px; height: 34px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  color: rgba(255,255,255,0.60);
  transition: all 0.2s;
  text-decoration: none;
}
.social-btn:hover { background: var(--primary); border-color: var(--primary); color: white; }
.footer-rbi-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(16,185,129,0.12);
  border: 1px solid rgba(16,185,129,0.25);
  color: rgba(16,185,129,0.90);
  font-size: 11px;
  font-weight: 600;
  padding: 5px 10px;
  border-radius: var(--radius-pill);
}

.footer-col h4 {
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 700;
  color: rgba(255,255,255,0.88);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 18px;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.footer-links { display: flex; flex-direction: column; gap: 9px; }
.footer-links a {
  font-size: 13.5px;
  color: rgba(255,255,255,0.52);
  transition: color 0.2s;
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a:hover { color: var(--white); }
.footer-links a::before {
  content: '';
  width: 3px; height: 3px;
  background: rgba(255,255,255,0.25);
  border-radius: 50%;
  flex-shrink: 0;
  transition: background 0.2s;
}
.footer-links a:hover::before { background: var(--accent); }

/* Policy links with PDF icon */
.policy-link {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  color: rgba(255,255,255,0.52);
  transition: color 0.2s;
  padding: 4px 0;
}
.policy-link:hover { color: rgba(255,255,255,0.85); }
.policy-link::before { display: none; }
.policy-link svg { flex-shrink: 0; color: rgba(249,115,22,0.65); }

/* Footer Contact */
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
  font-size: 13.5px;
  color: rgba(255,255,255,0.55);
}
.footer-contact-item svg { flex-shrink: 0; color: var(--sky); margin-top: 2px; }
.footer-contact-item a { color: inherit; transition: color 0.2s; }
.footer-contact-item a:hover { color: white; }
.wa-footer-btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(37,211,102,0.14);
  border: 1px solid rgba(37,211,102,0.25);
  color: #25D366;
  font-size: 13px;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: var(--radius-pill);
  transition: all 0.2s;
  margin-top: 4px;
}
.wa-footer-btn:hover { background: rgba(37,211,102,0.25); }

/* Footer Compliance */
.footer-compliance {
  background: rgba(255,255,255,0.03);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 20px 0;
}
.compliance-inner {
  font-size: 11.5px;
  color: rgba(255,255,255,0.32);
  line-height: 1.8;
  text-align: center;
  max-width: 900px;
  margin: 0 auto;
}
.compliance-inner strong { color: rgba(255,255,255,0.50); }

/* Footer Bottom */
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 20px 0;
}
.footer-bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 12.5px;
  color: rgba(255,255,255,0.35);
}
.footer-bottom-links {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 16px;
}
.footer-bottom-links a {
  color: rgba(255,255,255,0.40);
  transition: color 0.2s;
}
.footer-bottom-links a:hover { color: rgba(255,255,255,0.75); }

/* ============================================================
   FLOATING BUTTONS
   ============================================================ */
.whatsapp-float {
  position: fixed;
  bottom: 88px;
  right: 24px;
  width: 52px; height: 52px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,0.40);
  transition: all 0.25s var(--ease);
  z-index: 900;
}
.whatsapp-float:hover {
  transform: scale(1.1) translateY(-2px);
  box-shadow: 0 8px 28px rgba(37,211,102,0.50);
}
.whatsapp-float svg { width: 26px; height: 26px; }

.back-to-top {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 44px; height: 44px;
  background: var(--primary);
  color: white;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  line-height: 1;
  box-shadow: 0 4px 16px rgba(26,63,170,0.35);
  opacity: 0;
  transform: translateY(16px);
  transition: all 0.3s var(--ease);
  z-index: 900;
  pointer-events: none;
}
.back-to-top.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: all;
}
.back-to-top:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(26,63,170,0.45); }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: var(--gradient-dark);
  padding: 56px 0 52px;
  margin-top: 0;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  margin-bottom: 16px;
}
.breadcrumb a { color: rgba(255,255,255,0.55); transition: color 0.2s; }
.breadcrumb a:hover { color: white; }
.breadcrumb .sep { opacity: 0.4; }
.breadcrumb span:last-child { color: rgba(255,255,255,0.90); }
.page-hero h1 {
  font-family: var(--font-head);
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 14px;
  letter-spacing: -0.4px;
  line-height: 1.2;
}
.page-hero p {
  font-size: 17px;
  color: rgba(255,255,255,0.68);
  max-width: 580px;
  line-height: 1.75;
}

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-story-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 64px;
  align-items: center;
}
.about-story-visual {
  background: var(--gradient);
  border-radius: var(--radius-xl);
  padding: 44px;
  color: white;
  position: relative;
  overflow: hidden;
}
.about-story-visual::before {
  content: '';
  position: absolute;
  width: 250px; height: 250px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
  top: -80px; right: -60px;
}
.about-big-year {
  font-family: var(--font-head);
  font-size: 80px;
  font-weight: 900;
  color: rgba(255,255,255,0.18);
  line-height: 1;
  margin-bottom: -10px;
}
.about-story-visual h3 {
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 16px;
}
.about-story-visual p {
  font-size: 14.5px;
  opacity: 0.78;
  line-height: 1.75;
  margin-bottom: 14px;
}
.about-mini-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 24px;
}
.about-mini-stat {
  background: rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 16px;
}
.about-mini-stat .val {
  font-family: var(--font-head);
  font-size: 24px;
  font-weight: 800;
  color: white;
  margin-bottom: 2px;
}
.about-mini-stat .lbl { font-size: 12px; opacity: 0.65; }

.about-story-content .section-label { margin-bottom: 12px; }
.about-story-content .section-title { margin-bottom: 16px; }
.about-story-content p {
  font-size: 15.5px;
  color: var(--text-body);
  line-height: 1.85;
  margin-bottom: 16px;
}

/* Mission Vision Values */
.mvv-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 20px;
}
.mvv-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px 28px;
  text-align: center;
  transition: all 0.25s var(--ease);
}
.mvv-card:hover { box-shadow: var(--shadow-card); transform: translateY(-4px); }
.mvv-card.featured {
  background: var(--gradient);
  border-color: transparent;
  color: white;
}
.mvv-icon {
  font-size: 36px;
  margin-bottom: 16px;
  display: block;
}
.mvv-card h3 {
  font-family: var(--font-head);
  font-size: 19px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 12px;
}
.mvv-card.featured h3 { color: white; }
.mvv-card p { font-size: 14.5px; color: var(--text-light); line-height: 1.75; }
.mvv-card.featured p { color: rgba(255,255,255,0.78); }

/* Team */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
}
.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px 24px;
  text-align: center;
  transition: all 0.25s var(--ease);
}
.team-card:hover { box-shadow: var(--shadow-card); transform: translateY(-4px); }
.team-avatar {
  width: 72px; height: 72px;
  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 16px;
}
.team-card h4 {
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 5px;
}
.team-card .role {
  font-size: 13.5px;
  color: var(--primary);
  font-weight: 600;
  background: rgba(26,63,170,0.08);
  padding: 3px 12px;
  border-radius: var(--radius-pill);
  display: inline-block;
}

/* Compliance */
.compliance-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.compliance-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  gap: 18px;
  transition: all 0.25s var(--ease);
}
.compliance-card:hover { box-shadow: var(--shadow-card); transform: translateY(-2px); }
.compliance-icon {
  width: 48px; height: 48px;
  background: rgba(26,63,170,0.08);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--primary);
}
.compliance-icon svg { width: 22px; height: 22px; }
.compliance-card h4 {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.compliance-card p { font-size: 13.5px; color: var(--text-light); line-height: 1.65; }

/* Lending Partners */
.lp-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.lp-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.lp-card-top { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 16px; }
.lp-badge {
  display: inline-flex;
  align-items: center;
  padding: 4px 10px;
  border-radius: var(--radius-pill);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  flex-shrink: 0;
  margin-top: 2px;
}
.lp-badge.lsp { background: rgba(26,63,170,0.10); color: var(--primary); }
.lp-badge.dla { background: rgba(14,165,233,0.10); color: var(--sky); }
.lp-badge.gro { background: rgba(16,185,129,0.10); color: var(--success); }
.lp-name { font-family: var(--font-head); font-size: 15.5px; font-weight: 700; color: var(--text-dark); margin-bottom: 3px; }
.lp-role { font-size: 12.5px; color: var(--text-light); }
.lp-desc { font-size: 13.5px; color: var(--text-body); line-height: 1.65; margin-bottom: 14px; }
.lp-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.lp-table tr { border-top: 1px solid var(--border-light); }
.lp-table tr:first-child { border-top: none; }
.lp-table th { padding: 8px 0; color: var(--text-light); font-weight: 500; width: 40%; vertical-align: top; }
.lp-table td { padding: 8px 0 8px 10px; color: var(--text-mid); font-weight: 500; }
.lp-table a { color: var(--primary); text-decoration: underline; text-underline-offset: 2px; }
.lp-divider {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 16px 0;
}
.lp-divider::before, .lp-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}
.lp-divider span { font-size: 11px; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.8px; white-space: nowrap; }

.lp-gro-card {
  background: var(--gradient-dark);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  gap: 24px;
  align-items: flex-start;
  color: white;
}
.lp-gro-icon {
  width: 56px; height: 56px;
  background: rgba(255,255,255,0.12);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: rgba(255,255,255,0.85);
}
.lp-gro-body h4 {
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 700;
  color: white;
  margin: 10px 0 3px;
}
.lp-gro-person {
  font-size: 15px;
  font-weight: 600;
  color: rgba(255,255,255,0.75);
  margin-bottom: 12px;
}
.lp-gro-body p { font-size: 14px; opacity: 0.65; line-height: 1.7; margin-bottom: 16px; }
.lp-gro-contacts { display: flex; flex-wrap: wrap; gap: 12px; }
.lp-gro-contact {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 13.5px;
  color: rgba(255,255,255,0.72);
  transition: color 0.2s;
}
.lp-gro-contact:hover { color: white; }
.lp-gro-contact svg { color: var(--sky); }
.lp-rbi-note {
  text-align: center;
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 24px;
  padding: 16px 24px;
  background: rgba(26,63,170,0.04);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  line-height: 1.7;
}
.lp-rbi-note strong { color: var(--text-mid); }

/* ============================================================
   SERVICES PAGE
   ============================================================ */
.product-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  padding: 24px 0;
  justify-content: center;
}
.product-tab {
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  border: 1.5px solid var(--border);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-light);
  background: var(--white);
  transition: all 0.2s;
  cursor: pointer;
  text-decoration: none;
}
.product-tab:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: rgba(26,63,170,0.05);
}

.svc-detail-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px;
  margin-bottom: 20px;
  transition: box-shadow 0.25s var(--ease);
  scroll-margin-top: calc(var(--nav-h) + 24px);
}
.svc-detail-card:hover { box-shadow: var(--shadow-card); }
.svc-detail-card:target { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,63,170,0.10); }

.svc-card-header {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-bottom: 20px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border-light);
}
.svc-card-icon {
  width: 52px; height: 52px;
  background: rgba(26,63,170,0.08);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--primary);
}
.svc-card-icon svg { width: 24px; height: 24px; }
.svc-card-head h3 {
  font-family: var(--font-head);
  font-size: 21px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.svc-card-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.svc-meta-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--text-mid);
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 4px 10px;
  border-radius: var(--radius-pill);
}
.svc-meta-pill.green { color: var(--success); background: rgba(16,185,129,0.08); border-color: rgba(16,185,129,0.20); }

.svc-desc-text {
  font-size: 15.5px;
  color: var(--text-body);
  line-height: 1.80;
  margin-bottom: 20px;
}
.svc-highlights {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
}
.svc-highlight {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: var(--off-white);
  border-radius: var(--radius-md);
  padding: 14px;
}
.svc-hi-icon { font-size: 18px; flex-shrink: 0; }
.svc-hi-title { font-family: var(--font-head); font-size: 13.5px; font-weight: 700; color: var(--text-dark); }
.svc-hi-sub { font-size: 12px; color: var(--text-light); margin-top: 2px; }

.svc-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 22px; }
.svc-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 12px;
  font-weight: 600;
  color: var(--primary);
  background: rgba(26,63,170,0.07);
  border: 1px solid rgba(26,63,170,0.15);
  padding: 4px 10px;
  border-radius: var(--radius-pill);
}
.svc-tag::before { content: '✓'; color: var(--success); font-size: 11px; }

/* Eligibility */
.eligibility-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.elig-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.elig-icon { font-size: 32px; margin-bottom: 14px; }
.elig-card h4 {
  font-family: var(--font-head);
  font-size: 15.5px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border-light);
}
.elig-card ul { display: flex; flex-direction: column; gap: 7px; }
.elig-card li {
  font-size: 13.5px;
  color: var(--text-body);
  display: flex;
  align-items: flex-start;
  gap: 7px;
}
.elig-card li::before { content: '✓'; color: var(--success); font-size: 12px; font-weight: 700; flex-shrink: 0; margin-top: 1px; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.quick-contact-band {
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.quick-contact-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: center;
}
.qc-item {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 14px 20px;
  text-decoration: none;
  color: inherit;
  transition: all 0.2s;
}
.qc-item:hover { border-color: var(--primary); box-shadow: var(--shadow-sm); }
.qc-icon { width: 36px; height: 36px; border-radius: 8px; background: rgba(26,63,170,0.08); display: flex; align-items: center; justify-content: center; color: var(--primary); flex-shrink: 0; }
.qc-label { font-size: 11px; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.6px; }
.qc-val { font-family: var(--font-head); font-size: 14px; font-weight: 700; color: var(--primary); line-height: 1.2; }
.qc-item.wa .qc-icon { background: rgba(37,211,102,0.10); color: #25D366; }
.qc-item.wa .qc-val { color: #25D366; }
.qc-item.wa:hover { border-color: #25D366; }

.contact-main-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 40px;
  align-items: start;
}
.contact-info-panel {
  background: var(--gradient-dark);
  border-radius: var(--radius-xl);
  padding: 36px;
  color: white;
  position: sticky;
  top: calc(var(--nav-h) + 24px);
}
.contact-info-panel h3 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 7px;
}
.contact-info-panel > p { font-size: 14px; opacity: 0.65; margin-bottom: 30px; line-height: 1.65; }
.contact-detail-item {
  display: flex;
  gap: 14px;
  margin-bottom: 22px;
  align-items: flex-start;
}
.contact-detail-icon {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.12);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: rgba(255,255,255,0.85);
}
.contact-detail-item h4 {
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: rgba(255,255,255,0.50);
  margin-bottom: 4px;
}
.contact-detail-item p {
  font-size: 14px;
  color: rgba(255,255,255,0.80);
  line-height: 1.55;
}
.contact-detail-item a { color: inherit; transition: color 0.2s; }
.contact-detail-item a:hover { color: white; }

.contact-form-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-card);
}
.contact-form-panel h3 {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.contact-form-panel > p { font-size: 14px; color: var(--text-light); margin-bottom: 26px; }

.map-wrap {
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-card);
}
.map-header {
  background: var(--gradient);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  gap: 12px;
  color: white;
}
.map-header-title { font-family: var(--font-head); font-size: 15px; font-weight: 700; }
.map-header-sub { font-size: 12.5px; opacity: 0.72; }
.map-wrap iframe { display: block; width: 100%; }

/* FAQ */
.faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color 0.2s;
}
.faq-item:hover { border-color: rgba(26,63,170,0.25); }
.faq-q {
  padding: 20px 24px;
  font-family: var(--font-head);
  font-size: 15.5px;
  font-weight: 700;
  color: var(--text-dark);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  user-select: none;
}
.faq-q .faq-icon {
  width: 24px; height: 24px;
  background: var(--surface);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 18px;
  color: var(--primary);
  transition: transform 0.3s;
  line-height: 1;
}
.faq-item.open .faq-q .faq-icon { transform: rotate(45deg); }
.faq-item.open .faq-q { color: var(--primary); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s var(--ease-out);
}
.faq-a-inner {
  padding: 0 24px 20px;
  font-size: 14.5px;
  color: var(--text-light);
  line-height: 1.75;
  border-top: 1px solid var(--border-light);
  padding-top: 14px;
}
.faq-item.open .faq-a { max-height: 400px; }

/* ============================================================
   ANIMATIONS & SCROLL REVEALS
   ============================================================ */
.fade-up {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s var(--ease-out), transform 0.6s var(--ease-out);
}
.fade-in {
  opacity: 0;
  transition: opacity 0.7s var(--ease-out);
}
.fade-up.visible, .fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.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; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .hero-grid { grid-template-columns: 1fr; max-width: 700px; margin: 0 auto; }
  .hero-form-wrap { order: -1; }
  .hero-content { text-align: center; }
  .hero-actions { justify-content: center; }
  .hero-trust { justify-content: center; }
  .trust-sep { display: none; }
  .products-grid { grid-template-columns: repeat(4,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 960px) {
  :root { --nav-h: 64px; }
  .nav-menu, .nav-cta, .nav-phone-link { display: none; }
  .hamburger { display: flex; }
  .mobile-nav { display: block; }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .products-grid { grid-template-columns: repeat(3,1fr); }
  .why-section .why-grid { grid-template-columns: 1fr; gap: 40px; }
  .testi-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .steps-grid::before { display: none; }
  .emi-wrap { grid-template-columns: 1fr; }
  .emi-results { order: -1; }
  .apply-grid { grid-template-columns: 1fr; }
  .about-story-grid { grid-template-columns: 1fr; }
  .mvv-grid { grid-template-columns: 1fr; }
  .mvv-card { display: flex; align-items: flex-start; gap: 18px; text-align: left; }
  .mvv-icon { margin-bottom: 0; flex-shrink: 0; }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .compliance-grid { grid-template-columns: 1fr; }
  .lp-grid { grid-template-columns: 1fr; }
  .contact-main-grid { grid-template-columns: 1fr; }
  .contact-info-panel { position: relative; top: 0; }
  .eligibility-grid { grid-template-columns: 1fr 1fr; }
  .svc-highlights { grid-template-columns: 1fr; }
}

@media (max-width: 680px) {
  .section { padding: 60px 0; }
  .container { padding: 0 16px; }
  .products-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .quick-contact-row { flex-direction: column; }
  .hero-form-card { padding: 24px; }
  .hero-trust { flex-direction: column; gap: 14px; padding: 18px; }
  .trust-item { justify-content: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .announce-inner { flex-direction: column; gap: 4px; }
  .about-mini-stats { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 400px) {
  .products-grid { grid-template-columns: 1fr; }
  .about-mini-stats { grid-template-columns: 1fr; }
}

/* ============================================================
   PRINT
   ============================================================ */
@media print {
  .navbar, .whatsapp-float, .back-to-top, .hamburger { display: none !important; }
  .hero { min-height: unset; padding: 32px 0; }
}

/* ============================================================
   SUPPLEMENTAL — Page-specific classes for about / services / contact
   ============================================================ */

/* ---- Page hero additions ---- */
.page-hero-title {
  font-family: var(--font-head);
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  color: white;
  margin-bottom: 14px;
  line-height: 1.18;
}
.page-hero-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.78);
  max-width: 560px;
  line-height: 1.7;
}
.bc-sep { opacity: 0.45; margin: 0 6px; }
.bc-current { color: rgba(255,255,255,0.90); }

/* ---- About page ---- */
.about-story-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 56px;
  align-items: center;
}
.about-story-text { max-width: 640px; }
.body-text {
  font-size: 15.5px;
  color: var(--text-body);
  line-height: 1.80;
  margin-bottom: 18px;
}
.story-stats {
  display: flex;
  gap: 32px;
  margin-top: 32px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
}
.story-stat { text-align: left; }
.story-stat-num {
  font-family: var(--font-head);
  font-size: 34px;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
}
.story-stat span { font-size: 20px; font-weight: 700; color: var(--primary); }
.story-stat-label {
  display: block;
  font-size: 12.5px;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-top: 4px;
}
.about-img-card {
  background: var(--gradient);
  border-radius: var(--radius-xl);
  padding: 48px 40px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
}
.about-logo-large {
  width: 140px;
  height: 140px;
  object-fit: contain;
  filter: drop-shadow(0 6px 20px rgba(0,0,0,0.22));
}
.about-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: var(--radius-pill);
  padding: 8px 18px;
  color: white;
  font-size: 13px;
  font-weight: 700;
}
.about-cin {
  font-size: 12px;
  color: rgba(255,255,255,0.60);
  font-family: 'Courier New', monospace;
}

/* MVV */
.mvv-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.mvv-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px 28px;
  text-align: center;
  transition: box-shadow 0.25s var(--ease), transform 0.25s var(--ease);
}
.mvv-card:hover { box-shadow: var(--shadow-card); transform: translateY(-4px); }
.mvv-icon {
  width: 60px; height: 60px;
  border-radius: 16px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.mvv-mission { background: rgba(249,115,22,0.10); color: var(--accent); }
.mvv-vision  { background: rgba(26,63,170,0.10); color: var(--primary); }
.mvv-values  { background: rgba(16,185,129,0.10); color: var(--success); }
.mvv-title {
  font-family: var(--font-head);
  font-size: 18px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 14px;
}
.mvv-text {
  font-size: 14.5px;
  color: var(--text-light);
  line-height: 1.75;
}
.mvv-list {
  text-align: left;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.mvv-list li {
  font-size: 14.5px;
  color: var(--text-body);
  padding-left: 18px;
  position: relative;
  line-height: 1.5;
}
.mvv-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: 700;
  font-size: 12px;
}

/* Team */
.team-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 32px 28px;
  text-align: center;
  transition: box-shadow 0.25s var(--ease), transform 0.25s var(--ease);
}
.team-card:hover { box-shadow: var(--shadow-card); transform: translateY(-4px); }
.team-avatar {
  width: 70px; height: 70px;
  border-radius: 50%;
  background: var(--gradient);
  color: white;
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}
.team-name {
  font-family: var(--font-head);
  font-size: 18px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 4px;
}
.team-role {
  font-size: 13px;
  font-weight: 600;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 14px;
}
.team-bio {
  font-size: 13.5px;
  color: var(--text-light);
  line-height: 1.70;
  margin-bottom: 18px;
}
.team-tags { display: flex; flex-wrap: wrap; justify-content: center; gap: 6px; }

/* Compliance */
.compliance-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.compliance-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  text-align: center;
  transition: box-shadow 0.25s var(--ease), transform 0.25s var(--ease);
}
.compliance-card:hover { box-shadow: var(--shadow-card); transform: translateY(-2px); }
.compliance-icon {
  width: 48px; height: 48px;
  background: rgba(26,63,170,0.08);
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  margin-bottom: 16px;
}
.compliance-title {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 10px;
}
.compliance-text { font-size: 13px; color: var(--text-light); line-height: 1.65; }

/* Policy downloads */
.policy-downloads {
  margin-top: 44px;
  padding: 32px;
  background: var(--off-white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--border);
}
.policy-dl-title {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 18px;
}
.policy-dl-grid { display: flex; flex-wrap: wrap; gap: 10px; }
.policy-dl-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 16px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  font-size: 13px;
  font-weight: 600;
  color: var(--primary);
  text-decoration: none;
  transition: all 0.2s;
}
.policy-dl-link:hover { border-color: var(--primary); box-shadow: var(--shadow-sm); background: rgba(26,63,170,0.03); }
.policy-dl-link svg { color: var(--accent); flex-shrink: 0; }

/* LP grid on about page */
.lp-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }

/* General .tag */
.tag {
  display: inline-flex;
  align-items: center;
  font-size: 12px;
  font-weight: 600;
  color: var(--primary);
  background: rgba(26,63,170,0.07);
  border: 1px solid rgba(26,63,170,0.15);
  padding: 4px 10px;
  border-radius: var(--radius-pill);
}

/* ---- Services page ---- */
.product-filter-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: calc(var(--nav-h));
  z-index: 90;
  box-shadow: var(--shadow-sm);
}
.svc-sections {}
.svc-section { padding: 64px 0; background: var(--white); }
.svc-section-alt { background: var(--off-white); }

.svc-header {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-bottom: 20px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border-light);
}
.svc-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.svc-icon-orange { background: rgba(249,115,22,0.10); color: var(--accent); }
.svc-icon-blue   { background: rgba(26,63,170,0.10);  color: var(--primary); }
.svc-title-group {}
.svc-title {
  font-family: var(--font-head);
  font-size: 22px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 5px;
}
.svc-subtitle {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.5;
}
.svc-meta-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 20px;
}
.meta-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 12.5px;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: var(--radius-pill);
  border: 1.5px solid;
}
.meta-pill.rate    { color: var(--success);  background: rgba(16,185,129,0.08); border-color: rgba(16,185,129,0.25); }
.meta-pill.tenure  { color: var(--primary);  background: rgba(26,63,170,0.07);  border-color: rgba(26,63,170,0.20); }
.meta-pill.amount  { color: var(--accent);   background: rgba(249,115,22,0.08); border-color: rgba(249,115,22,0.25); }
.svc-desc {
  font-size: 15.5px;
  color: var(--text-body);
  line-height: 1.80;
  margin-bottom: 22px;
}
.svc-highlight-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--text-body);
  font-weight: 500;
}
.svc-highlight-item svg { color: var(--success); flex-shrink: 0; }
.svc-tags { display: flex; flex-wrap: wrap; gap: 7px; margin: 18px 0 22px; }

/* elig-icon as svg container */
.elig-icon {
  width: 48px; height: 48px;
  background: rgba(26,63,170,0.08);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  margin-bottom: 16px;
}
.elig-title {
  font-family: var(--font-head);
  font-size: 15.5px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border-light);
}
.elig-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.elig-list li {
  font-size: 13.5px;
  color: var(--text-body);
  display: flex;
  align-items: flex-start;
  gap: 7px;
  padding-left: 18px;
  position: relative;
}
.elig-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: 700;
  font-size: 12px;
  margin-top: 1px;
}

/* ---- Contact page ---- */
.qc-band {
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.qc-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: center;
}
.qc-text { display: flex; flex-direction: column; gap: 2px; }
.qc-value {
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  color: var(--primary);
  text-decoration: none;
  line-height: 1.2;
}
.qc-value:hover { color: var(--accent); }
.qc-item .whatsapp-icon { background: rgba(37,211,102,0.12); color: #25D366; }

/* Contact info panel overrides */
.contact-info-heading {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: white;
  margin-bottom: 22px;
}
.contact-info-addr {
  display: flex;
  gap: 14px;
  font-size: 14px;
  color: rgba(255,255,255,0.78);
  line-height: 1.70;
  margin-bottom: 24px;
}
.contact-info-addr .ci-icon {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.12);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: rgba(255,255,255,0.85);
  margin-top: 2px;
}
.contact-divider {
  height: 1px;
  background: rgba(255,255,255,0.14);
  margin: 22px 0;
}
.contact-info-subhead {
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: rgba(255,255,255,0.50);
  margin-bottom: 14px;
}
.gro-card {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-md);
  padding: 16px;
}
.gro-avatar {
  width: 42px; height: 42px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 800;
  flex-shrink: 0;
}
.gro-details {
  display: flex;
  flex-direction: column;
  gap: 3px;
  font-size: 13px;
  color: rgba(255,255,255,0.75);
}
.gro-details strong { color: white; font-size: 14px; }
.gro-details a { color: rgba(255,255,255,0.75); text-decoration: none; transition: color 0.2s; }
.gro-details a:hover { color: white; }
.contact-social {
  display: flex;
  gap: 10px;
  margin-top: 6px;
}
.social-link {
  width: 36px; height: 36px;
  border-radius: 9px;
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.75);
  text-decoration: none;
  transition: all 0.2s;
}
.social-link:hover { background: rgba(255,255,255,0.18); color: white; }

/* Contact form panel text */
.contact-form-heading {
  font-family: var(--font-head);
  font-size: 20px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.contact-form-sub {
  font-size: 14px;
  color: var(--text-light);
  margin-bottom: 26px;
}
.contact-form { display: flex; flex-direction: column; gap: 16px; }

/* Map section */
.section-map { margin: 0; }
.map-label {
  padding: 28px 0 14px;
  background: var(--off-white);
  border-top: 1px solid var(--border);
}
.map-heading {
  font-family: var(--font-head);
  font-size: 18px;
  font-weight: 700;
  color: var(--text-dark);
  margin-top: 6px;
}
.map-embed {
  border-top: 1px solid var(--border);
  overflow: hidden;
}
.map-embed iframe { display: block; }

/* FAQ arrow variant */
.faq-arrow {
  flex-shrink: 0;
  transition: transform 0.3s var(--ease);
  color: var(--text-muted);
}
.faq-item.open .faq-arrow { transform: rotate(180deg); color: var(--primary); }
.faq-item.open .faq-q { color: var(--primary); }
.faq-a p { padding: 0 24px 20px; font-size: 14.5px; color: var(--text-light); line-height: 1.75; }
.faq-a p a { color: var(--primary); }

/* ---- Responsive additions ---- */
@media (max-width: 1100px) {
  .about-story-grid { grid-template-columns: 1fr; }
  .compliance-grid { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 960px) {
  .lp-grid { grid-template-columns: 1fr; }
  .compliance-grid { grid-template-columns: 1fr; }
  .mvv-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2,1fr); }
  .qc-grid { flex-direction: row; flex-wrap: wrap; }
}
@media (max-width: 680px) {
  .team-grid { grid-template-columns: 1fr; }
  .compliance-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .qc-grid { flex-direction: column; align-items: stretch; }
  .lp-grid { grid-template-columns: 1fr; }
  .story-stats { flex-wrap: wrap; gap: 20px; }
  .product-tabs { gap: 6px; }
  .policy-dl-grid { flex-direction: column; }
  .svc-header { flex-direction: column; gap: 12px; }
}

/* ============================================================
   PARTNERS SHOWCASE SECTION
   ============================================================ */
.partners-showcase { background: var(--white); }

.lp-showcase-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-bottom: 32px;
}
.lp-showcase-card {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: var(--white);
  transition: box-shadow 0.25s var(--ease), transform 0.25s var(--ease);
  display: flex;
  flex-direction: column;
}
.lp-showcase-card:hover {
  box-shadow: var(--shadow-card);
  transform: translateY(-3px);
}
.lp-sc-ribbon {
  padding: 7px 20px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.7px;
  text-transform: uppercase;
}
.lsp-ribbon {
  background: rgba(26,63,170,0.07);
  color: var(--primary);
  border-bottom: 1px solid rgba(26,63,170,0.12);
}
.lp-sc-body {
  padding: 24px 28px;
  flex: 1;
}
.lp-sc-logo-wrap {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 18px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border-light);
}
.lp-sc-initials {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 17px;
  font-weight: 800;
  color: white;
  flex-shrink: 0;
}
.lp-blue   { background: var(--gradient); }
.lp-orange { background: linear-gradient(135deg, var(--accent), #e05a00); }
.lp-sc-name {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.3;
}
.lp-sc-reg {
  font-size: 11.5px;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-top: 3px;
}
.lp-sc-desc {
  font-size: 13.5px;
  color: var(--text-light);
  line-height: 1.72;
  margin-bottom: 16px;
}
.lp-sc-meta { display: flex; flex-direction: column; gap: 7px; }
.lp-sc-meta-item {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 12.5px;
  color: var(--text-light);
  line-height: 1.5;
}
.lp-sc-meta-item svg { color: var(--text-muted); flex-shrink: 0; margin-top: 1px; }
.lp-sc-ext-link { color: var(--primary); font-weight: 600; text-decoration: none; }
.lp-sc-ext-link:hover { text-decoration: underline; }

.lp-sc-footer {
  background: var(--off-white);
  border-top: 1px solid var(--border);
  padding: 18px 28px;
}
.lp-sc-dla-label {
  font-size: 10.5px;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 10px;
}
.lp-sc-dla-card {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.lp-sc-dla-badge {
  background: var(--accent);
  color: white;
  font-size: 10px;
  font-weight: 800;
  padding: 3px 8px;
  border-radius: 4px;
  margin-top: 2px;
  flex-shrink: 0;
}
.lp-sc-dla-info {
  display: flex;
  flex-direction: column;
  gap: 3px;
}
.lp-sc-dla-name {
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  color: var(--text-dark);
}
.lp-sc-dla-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 12.5px;
  color: var(--primary);
  font-weight: 600;
  text-decoration: none;
}
.lp-sc-dla-link:hover { text-decoration: underline; }
.lp-sc-dla-sub {
  font-size: 11.5px;
  color: var(--text-muted);
  line-height: 1.5;
}

/* GRO strip */
.lp-gro-strip {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  background: var(--gradient-dark);
  border-radius: var(--radius-xl);
  padding: 22px 32px;
  color: white;
  margin-bottom: 20px;
}
.lp-gro-left {
  display: flex;
  align-items: center;
  gap: 16px;
}
.lp-gro-avatar {
  width: 48px; height: 48px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 800;
  color: white;
  flex-shrink: 0;
}
.lp-gro-badge {
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: rgba(255,255,255,0.55);
  margin-bottom: 3px;
}
.lp-gro-name {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: white;
}
.lp-gro-contact {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
  margin-top: 4px;
}
.lp-gro-contact a {
  color: rgba(255,255,255,0.75);
  font-size: 13px;
  text-decoration: none;
  transition: color 0.2s;
}
.lp-gro-contact a:hover { color: white; }
.lp-gro-sep { color: rgba(255,255,255,0.30); font-size: 13px; }
.lp-gro-right {}
.lp-gro-rbi {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 12.5px;
  color: rgba(255,255,255,0.65);
  max-width: 380px;
  line-height: 1.6;
}
.lp-gro-rbi svg { flex-shrink: 0; margin-top: 1px; color: rgba(255,255,255,0.45); }
.lp-gro-rbi a { color: rgba(255,255,255,0.80); text-decoration: underline; }

/* ============================================================
   COMPARISON SECTION
   ============================================================ */
.comparison-section { overflow: hidden; }

.cmp-wrapper {
  max-width: 1000px;
  margin: 0 auto;
}

.cmp-winner-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: linear-gradient(90deg, var(--accent), #e06b00);
  color: white;
  padding: 13px 24px;
  border-radius: var(--radius-pill);
  font-size: 13.5px;
  font-weight: 700;
  margin-bottom: 28px;
  text-align: center;
}
.cmp-winner-banner svg { flex-shrink: 0; fill: #FFD700; }

.cmp-table-wrap {
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1.5px solid var(--border);
  box-shadow: var(--shadow-card);
}
.cmp-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.cmp-table thead tr {
  background: var(--gradient-dark);
}
.cmp-table thead th {
  padding: 18px 16px;
  text-align: left;
  font-weight: 600;
  color: rgba(255,255,255,0.50);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  vertical-align: top;
}
.cmp-feature-col { width: 28%; }
.cmp-us-col { background: rgba(249,115,22,0.15); }

.cmp-head-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  text-align: center;
}
.cmp-head-logo {
  width: 40px; height: 40px;
  border-radius: 50%;
  object-fit: contain;
  background: white;
  padding: 3px;
}
.cmp-head-initials {
  width: 40px; height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 800;
  color: white;
}
.lk-color { background: #0073E6; }
.ng-color  { background: #9B1FE8; }
.cmp-head-name {
  font-family: var(--font-head);
  font-size: 13.5px;
  font-weight: 700;
  color: white;
}
.cmp-head-tag {
  font-size: 10px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: var(--radius-pill);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.70);
}
.cmp-tag-grey { background: rgba(255,255,255,0.08); }

.cmp-table tbody tr { border-bottom: 1px solid var(--border); }
.cmp-table tbody tr:last-child { border-bottom: none; }
.cmp-table tbody td { padding: 14px 16px; vertical-align: middle; color: var(--text-body); line-height: 1.45; }
.cmp-feature {
  font-weight: 600;
  color: var(--text-dark);
  font-size: 13.5px;
}
.cmp-us-val {
  background: rgba(249,115,22,0.05);
  font-weight: 600;
  color: var(--text-dark);
}
.cmp-row-win td { background: rgba(249,115,22,0.04); }
.cmp-row-win .cmp-us-val { background: rgba(249,115,22,0.10); }

.cmp-win-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 11px;
  font-weight: 700;
  background: var(--accent);
  color: white;
  padding: 2px 8px;
  border-radius: 4px;
  margin-right: 6px;
}
.cmp-no { color: var(--text-muted); font-weight: 500; }

.cmp-verdict {
  margin-top: 24px;
}
.cmp-verdict-inner {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  background: white;
  border: 1.5px solid rgba(26,63,170,0.15);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.cmp-verdict-icon {
  width: 56px; height: 56px;
  background: rgba(26,63,170,0.08);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  flex-shrink: 0;
}
.cmp-verdict-text h4 {
  font-family: var(--font-head);
  font-size: 16px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.cmp-verdict-text p {
  font-size: 14.5px;
  color: var(--text-body);
  line-height: 1.75;
}

/* Responsive */
@media (max-width: 960px) {
  .lp-showcase-grid { grid-template-columns: 1fr; }
  .lp-gro-strip { flex-direction: column; align-items: flex-start; }
  .lp-gro-rbi { max-width: 100%; }
  .cmp-table { font-size: 13px; }
  .cmp-table thead td, .cmp-table thead th { padding: 14px 12px; }
  .cmp-table tbody td { padding: 12px 12px; }
}
@media (max-width: 680px) {
  .cmp-table-wrap { overflow-x: auto; }
  .cmp-table { min-width: 560px; }
  .cmp-winner-banner { font-size: 12.5px; border-radius: var(--radius-lg); }
  .cmp-verdict-inner { flex-direction: column; }
  .lp-gro-strip { padding: 20px; }
}

/* ============================================================
   BUG FIXES — v2.1
   ============================================================ */

/* FIX 1 — btn-outline is invisible on dark CTA sections
   (Talk to Us / Speak to Advisor / View All Products)
   Override to white ghost style on dark backgrounds            */
.cta-section .btn-outline {
  background: rgba(255,255,255,0.10);
  color: var(--white);
  border-color: rgba(255,255,255,0.50);
}
.cta-section .btn-outline:hover,
.cta-section .btn-outline:focus-visible {
  background: rgba(255,255,255,0.20);
  color: var(--white);
  border-color: rgba(255,255,255,0.85);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
}

/* FIX 2 — Governance / Compliance cards inner text alignment
   Add a content wrapper div so icon sits left, text sits right  */
.compliance-card { align-items: flex-start; }
.compliance-content { flex: 1; }
.compliance-content .compliance-title { margin-top: 0; }

/* FIX 3 — Product filter bar was position:sticky which locked it
   on screen. Changed to static so it scrolls with the page.     */
.product-filter-bar {
  position: static;
  box-shadow: none;
  border-bottom: 1px solid var(--border);
}

/* ============================================================
   BUG FIXES — v2.1
   ============================================================ */

/* FIX 1 — btn-outline is invisible on dark CTA sections
   (Talk to Us / Speak to Advisor / View All Products)
   Override to white ghost style on dark backgrounds            */
.cta-section .btn-outline {
  background: rgba(255,255,255,0.10);
  color: var(--white);
  border-color: rgba(255,255,255,0.50);
}
.cta-section .btn-outline:hover,
.cta-section .btn-outline:focus-visible {
  background: rgba(255,255,255,0.22);
  color: var(--white);
  border-color: rgba(255,255,255,0.85);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
}

/* FIX 2 — Governance / Compliance cards inner text alignment
   compliance-content wraps h4 + p so they flow correctly
   beside the icon                                              */
.compliance-card { align-items: flex-start; }
.compliance-content { flex: 1; min-width: 0; }
.compliance-content .compliance-title { margin-top: 0; }
.compliance-content .compliance-text { margin-top: 0; }

/* FIX 3 — Product filter bar was position:sticky which locked it
   on screen. Changed to static so it scrolls with the page.   */
.product-filter-bar {
  position: static \!important;
  box-shadow: none;
}


/* ============================================================
   RESPONSIVE OVERHAUL v2.2 — Tablet & Mobile Polish
   Scope: max-width breakpoints only — desktop unchanged
   ============================================================ */

/* ── 1100px — Tablet landscape / small laptop ── */
@media (max-width: 1100px) {
  /* Footer: brand spans full width so the 4 link cols pair up 2x2 below */
  .footer-brand { grid-column: 1 / -1; }
  .footer-brand p { max-width: 560px; }
  /* Hero sub-text: center when hero goes single-column */
  .hero-sub { margin-left: auto; margin-right: auto; }
}

/* ── 960px — Tablet portrait ── */
@media (max-width: 960px) {
  /* Products: keep 4 cols (not 3) so 10 cards make 2 clean rows of 4+4+2 */
  .products-grid { grid-template-columns: repeat(4, 1fr); }
  /* Hero */
  .hero { min-height: auto; padding-top: 52px; }
  /* Why visual card */
  .why-visual-card { padding: 32px 28px; }
  .why-big-number { font-size: 48px; }
  /* EMI: reduce padding when stacked vertically */
  .emi-controls { padding: 32px 28px; }
  .emi-results  { padding: 32px 28px; }
  /* Apply info: center when single column */
  .apply-info { text-align: center; }
  .apply-info .section-label { margin-left: auto; margin-right: auto; }
  .apply-info .section-sub   { margin-left: auto; margin-right: auto; }
  .apply-steps { max-width: 480px; margin-left: auto; margin-right: auto; }
  .apply-step  { text-align: left; }
  /* Page hero (inner pages) */
  .page-hero { padding: 44px 0 40px; }
  .page-hero-sub { max-width: 100%; }
  /* About image card */
  .about-img-card { padding: 36px 28px; }
  /* Services detail card */
  .svc-detail-card { padding: 28px; }
  /* Partners jump nav: horizontal scroll on narrow tablets */
  .partner-jump-nav .container {
    flex-wrap: nowrap;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    padding-bottom: 14px;
  }
  .pjn-label { flex-shrink: 0; }
  .pjn-btn   { flex-shrink: 0; white-space: nowrap; }
}

/* ── 680px — Mobile ── */
@media (max-width: 680px) {
  /* -- Announce bar -- */
  .announce-sep   { display: none; }
  .announce-inner { gap: 2px; }

  /* -- Hero -- */
  .hero       { min-height: auto; padding-top: 36px; }
  .hero-badge { margin-bottom: 16px; }
  .hero-title { margin-bottom: 16px; letter-spacing: -0.3px; }
  .hero-sub   { font-size: 15.5px; margin-bottom: 28px; }
  .hero-actions { flex-direction: column; align-items: stretch; gap: 10px; }
  .hero-actions .btn { width: 100%; justify-content: center; }

  /* -- Stats -- */
  .stat-item { padding: 22px 14px; }
  .stat-num  { font-size: 28px; }
  .stat-num .suffix { font-size: 18px; }
  .stat-name { font-size: 12px; }

  /* -- Why section -- */
  .why-visual-card { padding: 26px 22px; }
  .why-big-number  { font-size: 40px; }
  .why-big-label   { font-size: 15px; }
  .why-desc        { font-size: 14px; }
  .why-badge       { font-size: 12px; padding: 6px 12px; }

  /* -- Process steps -- */
  .step-item  { padding: 0 8px; }
  .step-title { font-size: 13.5px; }
  .step-desc  { font-size: 12.5px; }

  /* -- Testimonials -- */
  .testi-card { padding: 22px; }
  .testi-text { font-size: 14px; }

  /* -- EMI Calculator -- */
  .emi-controls    { padding: 24px 20px; }
  .emi-results     { padding: 28px 22px; }
  .emi-controls h3 { font-size: 17px; margin-bottom: 22px; }
  .emi-monthly     { font-size: 40px; letter-spacing: -1px; }

  /* -- Application form -- */
  .apply-section { padding: 60px 0; }
  .apply-info    { margin-bottom: 32px; }
  .form-card     { padding: 22px 18px; }
  /* Step wizard tabs: tighter on mobile */
  .step-tab      { font-size: 12px; padding: 10px 10px; gap: 7px; }
  .step-tab span { font-size: 11.5px; line-height: 1.3; }

  /* -- Partners showcase (homepage) -- */
  .lp-sc-body   { padding: 20px 18px; }
  .lp-sc-footer { padding: 16px 18px; }
  .lp-gro-strip { padding: 20px 18px; }

  /* -- CTA section -- */
  .cta-section   { padding: 60px 0; }
  .cta-inner h2  { font-size: clamp(22px, 5.5vw, 30px); }
  .cta-inner p   { font-size: 15px; margin-bottom: 26px; }
  .cta-actions   { flex-direction: column; align-items: stretch; }
  .cta-actions .btn { width: 100%; justify-content: center; }
  .cta-contact-row  { gap: 14px; }

  /* -- Footer -- */
  .footer-main  { padding: 44px 0 28px; }
  /* Mobile: revert brand to single block (footer-grid already 1-col) */
  .footer-brand { grid-column: auto; display: block; }

  /* -- Floating buttons -- */
  .whatsapp-float { bottom: 72px; right: 16px; width: 48px; height: 48px; }
  .back-to-top    { bottom: 18px; right: 16px; width: 40px; height: 40px; font-size: 18px; }

  /* -- Page hero (inner pages) -- */
  .page-hero       { padding: 36px 0 30px; }
  .page-hero-title { margin-bottom: 10px; }
  .page-hero-sub   { font-size: 15px; }

  /* -- About page -- */
  .about-img-card   { padding: 28px 22px; gap: 16px; }
  .about-logo-large { width: 100px; height: 100px; }
  .about-badge      { font-size: 12px; padding: 6px 14px; }
  .about-cin        { font-size: 11px; }
  .story-stat-num   { font-size: 28px; }
  .body-text        { font-size: 14.5px; }
  .policy-downloads { padding: 22px; }
  .mvv-card         { padding: 22px 18px; }

  /* -- Services page -- */
  .svc-section     { padding: 48px 0; }
  .svc-detail-card { padding: 22px 18px; }
  .svc-title       { font-size: 20px; }
  .svc-desc        { font-size: 14.5px; }
  .meta-pill       { font-size: 11.5px; padding: 4px 10px; }
  /* Product filter: horizontal scroll bar, no wrapping */
  .product-filter-bar .container { padding: 0 16px; }
  .product-tabs {
    flex-wrap: nowrap;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    justify-content: flex-start;
    padding: 14px 0;
    scroll-snap-type: x mandatory;
    scrollbar-width: none;
    -ms-overflow-style: none;
  }
  .product-tabs::-webkit-scrollbar { display: none; }
  .product-tab {
    flex-shrink: 0;
    scroll-snap-align: start;
    padding: 7px 14px;
    font-size: 12.5px;
  }

  /* -- Contact page -- */
  .contact-form-heading { font-size: 18px; }

  /* -- Partners page -- */
  .pjn-label { display: none; }
  .pjn-btn   { font-size: 12px; padding: 6px 12px; }
  .gro-name-large { font-size: 22px; }
}

/* ── 400px — Very small phones ── */
@media (max-width: 400px) {
  /* Step wizard: hide text label, show circle only */
  .step-tab span  { display: none; }
  .step-tab       { justify-content: center; padding: 10px 6px; }
  .step-connector { width: 16px; }
  /* Stats: shrink further */
  .stat-num  { font-size: 24px; }
  .stat-item { padding: 18px 10px; }
  /* Hero badge */
  .hero-badge { font-size: 10.5px; padding: 4px 10px; }
  /* Form card */
  .form-card { padding: 18px 14px; }
  /* Product filter tab pills */
  .product-tab { font-size: 12px; padding: 6px 12px; }
}