/* ============================================================
   The Grandeur Financial Services — Professional Stylesheet
   ============================================================ */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800&family=Inter:wght@300;400;500;600;700;800&display=swap');

/* ── Variables ── */
:root {
  --primary:    #0A2463;
  --primary-lt: #1E3A8A;
  --accent:     #2563EB;
  --accent-hov: #1D4ED8;
  --green:      #059669;
  --green-lt:   #10B981;
  --green-dk:   #047857;
  --gold:       #B8960C;
  --red:        #DC2626;
  --white:      #FFFFFF;
  --off-white:  #F7F9FC;
  --light:      #EEF2F8;
  --border:     #DDE3EE;
  --text-dk:    #0D1B36;
  --text-mid:   #2D3A52;
  --text-lt:    #6B7A99;
  --shadow-sm:  0 1px 4px rgba(10,36,99,.08);
  --shadow-md:  0 4px 20px rgba(10,36,99,.11);
  --shadow-lg:  0 10px 40px rgba(10,36,99,.16);
  --shadow-xl:  0 20px 60px rgba(10,36,99,.20);
  --r-sm:  8px;
  --r-md:  14px;
  --r-lg:  20px;
  --r-xl:  28px;
  --r-full:9999px;
  --ease:  cubic-bezier(0.4,0,0.2,1);
  --transition: all 0.28s var(--ease);
  --font-head: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', system-ui, -apple-system, sans-serif;
  --nav-h:  72px;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
/* overflow-x: clip (NOT hidden) — 'hidden' creates a scroll container which
   breaks position:fixed on iOS Safari AND clips elements at the viewport edge.
   'clip' prevents horizontal scroll WITHOUT creating a scroll container. */
html { scroll-behavior: smooth; font-size: 16px; overflow-x: clip; }
body { font-family: var(--font-body); color: var(--text-dk); background: var(--white); line-height: 1.7; -webkit-font-smoothing: antialiased; -webkit-overflow-scrolling: touch; overflow-x: clip; }
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: var(--font-body); }
input, select, textarea { font-family: var(--font-body); }
p { color: var(--text-mid); line-height: 1.75; }

/* ── Layout ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-sm { padding: 50px 0; }
.text-center { text-align: center; }

/* ── Typography ── */
.section-label { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.section-label::before { content: ''; width: 24px; height: 2px; background: var(--accent); border-radius: 2px; }
.section-title { font-family: var(--font-head); font-size: clamp(26px,3.8vw,42px); font-weight: 700; color: var(--primary); line-height: 1.2; margin-bottom: 14px; }
.section-subtitle { font-size: 16px; color: var(--text-lt); max-width: 620px; line-height: 1.75; }
.section-header { margin-bottom: 52px; }
.section-header.center { text-align: center; }
.section-header.center .section-label { justify-content: center; }
.section-header.center .section-subtitle { margin: 0 auto; }

/* ── Buttons ── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 28px; border-radius: var(--r-full); font-size: 15px; font-weight: 600; transition: var(--transition); cursor: pointer; white-space: nowrap; border: 2px solid transparent; font-family: var(--font-body); }
.btn-primary { background: var(--accent); color: var(--white); box-shadow: 0 4px 18px rgba(37,99,235,.35); }
.btn-primary:hover { background: var(--accent-hov); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(37,99,235,.45); color: white; }
.btn-green { background: var(--green); color: var(--white); box-shadow: 0 4px 18px rgba(5,150,105,.35); }
.btn-green:hover { background: var(--green-dk); transform: translateY(-2px); color: white; }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,.6); }
.btn-outline:hover { background: rgba(255,255,255,.15); border-color: white; color: white; }
.btn-outline-dark { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn-outline-dark:hover { background: var(--primary); color: white; }
.btn-lg { padding: 16px 36px; font-size: 16px; }
.btn-sm { padding: 10px 22px; font-size: 14px; }
.btn-whatsapp { background: #25D366; color: white; box-shadow: 0 4px 18px rgba(37,211,102,.35); }
.btn-whatsapp:hover { background: #1DA851; transform: translateY(-2px); color: white; }

/* ── Navbar ── */
.progress-bar { position: fixed; top: 0; left: 0; height: 3px; background: linear-gradient(90deg, var(--accent), var(--green-lt)); z-index: 2000; width: 0; transition: width .1s linear; }
.navbar { position: fixed; top: 3px; left: 0; right: 0; z-index: 100; background: rgba(255,255,255,0); backdrop-filter: blur(0); transition: var(--transition); height: var(--nav-h); overflow: visible; }
.navbar.scrolled { background: rgba(255,255,255,0.97); backdrop-filter: blur(20px); box-shadow: 0 2px 20px rgba(10,36,99,.1); }
.nav-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; height: var(--nav-h); }
.nav-logo { display: flex; align-items: center; flex-shrink: 1; min-width: 0; }
.nav-logo-img { height: 48px; width: auto; object-fit: contain; transition: var(--transition); }
.navbar.scrolled .nav-logo-img { filter: none; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-link { font-size: 14.5px; font-weight: 500; color: rgba(255,255,255,0.9); padding: 8px 14px; border-radius: var(--r-sm); transition: var(--transition); }
.navbar.scrolled .nav-link { color: var(--text-mid); }
.nav-link:hover, .nav-link.active { color: var(--accent) !important; background: rgba(37,99,235,.08); }
.nav-right { display: flex; align-items: center; gap: 12px; flex-shrink: 0; flex-grow: 0; overflow: visible; }
.nav-cta { font-size: 14px; padding: 10px 22px; }

/* Dropdown */
.nav-dropdown { position: relative; }
.dropdown-menu { position: absolute; top: calc(100% + 12px); left: 0; background: white; border-radius: var(--r-md); box-shadow: var(--shadow-xl); border: 1px solid var(--border); min-width: 220px; opacity: 0; visibility: hidden; transform: translateY(-8px); transition: var(--transition); overflow: hidden; z-index: 100; }
.dropdown-menu.open { opacity: 1; visibility: visible; transform: translateY(0); }
@media (hover: hover) and (pointer: fine) {
  .nav-dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
}
.dropdown-item { display: flex; align-items: center; gap: 12px; padding: 13px 18px; font-size: 14px; font-weight: 500; color: var(--text-mid); border-bottom: 1px solid var(--border); transition: var(--transition); }
.dropdown-item:last-child { border-bottom: none; }
.dropdown-item:hover { background: var(--off-white); color: var(--accent); padding-left: 22px; }
.d-icon { width: 32px; height: 32px; background: var(--light); border-radius: 8px; display: flex; align-items: center; justify-content: center; color: var(--accent); font-size: 13px; flex-shrink: 0; }

/* Hamburger */
.hamburger { display: none; flex-direction: column; justify-content: center; align-items: center; gap: 5px; padding: 8px; cursor: pointer; background: none; border: none; min-width: 44px; min-height: 44px; width: 44px; height: 44px; flex-shrink: 0; overflow: visible; -webkit-tap-highlight-color: transparent; }
.hamburger span { width: 24px; height: 2px; background: rgba(255,255,255,0.9); border-radius: 2px; transition: var(--transition); display: block; flex-shrink: 0; transform-origin: center; }
.navbar.scrolled .hamburger span { background: var(--primary); }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav { position: fixed; top: 0; right: -100%; width: min(320px,85vw); height: 100vh; background: white; z-index: 1200; box-shadow: var(--shadow-xl); transition: right .35s var(--ease); overflow-y: auto; overflow-x: hidden; padding: 0 0 60px; }
.mobile-nav.open { right: 0; }
/* Overlay when mobile nav open */
.mobile-nav-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,.45); z-index: 1199; }
body.nav-open .mobile-nav-overlay { display: block; }
.mobile-nav-header { display: flex; align-items: center; justify-content: space-between; padding: 20px 24px; border-bottom: 1px solid var(--border); margin-bottom: 12px; }
.mob-link { display: flex; align-items: center; gap: 12px; padding: 13px 24px; font-size: 15px; font-weight: 500; color: var(--text-mid); border-bottom: 1px solid var(--light); transition: var(--transition); }
.mob-link:hover, .mob-link.active { color: var(--accent); background: rgba(37,99,235,.04); }
.mob-link.mob-sub { padding-left: 40px; font-size: 14px; color: var(--text-lt); }
.mob-section-label { padding: 10px 24px 4px; font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--text-lt); }
.mob-icon { width: 16px; color: var(--accent); font-size: 13px; }
.mob-cta-btn { display: block; margin: 20px 24px 0; padding: 14px; background: var(--accent); color: white; text-align: center; border-radius: var(--r-full); font-size: 15px; font-weight: 700; box-shadow: 0 4px 18px rgba(37,99,235,.35); }
/* iOS scroll lock — overflow:hidden body mein kaam nahi karta iOS par,
   JS mein position:fixed approach use hoti hai (initNavbar dekho) */
body.nav-open { touch-action: none; }
@supports not (overflow: clip) {
  body.nav-open { overflow: clip; } /* Android fallback */
}

/* ── Hero ── */
.hero { min-height: 100vh; background: linear-gradient(135deg, var(--primary) 0%, #1E3A8A 55%, #1E40AF 100%); position: relative; overflow: hidden; display: flex; align-items: center; padding-top: var(--nav-h); }
.hero::before { content: ''; position: absolute; top: -20%; right: -5%; width: 600px; height: 600px; background: radial-gradient(circle, rgba(37,99,235,.25) 0%, transparent 65%); pointer-events: none; }
.hero::after  { content: ''; position: absolute; bottom: -20%; left: -5%; width: 500px; height: 500px; background: radial-gradient(circle, rgba(5,150,105,.12) 0%, transparent 65%); pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: 1fr 440px; gap: 60px; align-items: center; padding: 64px 0; }
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.95); padding: 6px 16px; border-radius: var(--r-full); font-size: 13px; font-weight: 500; margin-bottom: 24px; backdrop-filter: blur(8px); }
.hero-badge .pulse-dot { width: 8px; height: 8px; background: var(--green-lt); border-radius: 50%; animation: pulse 2s infinite; }
.hero-title { font-family: var(--font-head); font-size: clamp(34px,5vw,58px); font-weight: 800; color: white; line-height: 1.15; margin-bottom: 20px; }
.hero-title .highlight { color: var(--green-lt); }
.hero-subtitle { font-size: 17px; color: rgba(255,255,255,.78); max-width: 520px; line-height: 1.75; margin-bottom: 36px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats { display: flex; gap: 36px; }
.hero-stat .value { font-family: var(--font-head); font-size: 26px; font-weight: 700; color: white; line-height: 1; }
.hero-stat .label { font-size: 12px; color: rgba(255,255,255,.6); margin-top: 4px; }

/* Hero Card */
.hero-card { background: white; border-radius: var(--r-xl); padding: 36px 32px; box-shadow: 0 24px 64px rgba(0,0,0,.22); position: relative; z-index: 2; }
.hero-card-title { font-family: var(--font-head); font-size: 20px; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.hero-card-sub { font-size: 13px; color: var(--text-lt); margin-bottom: 24px; }

/* ── Forms ── */
.form-group { margin-bottom: 16px; }
.form-label { display: block; font-size: 13px; font-weight: 600; color: var(--text-mid); margin-bottom: 7px; }
.form-control { width: 100%; padding: 13px 16px; border: 1.5px solid var(--border); border-radius: var(--r-md); font-size: 15px; color: var(--text-dk); background: white; transition: var(--transition); outline: none; appearance: none; }
.form-control:focus { border-color: var(--accent); box-shadow: 0 0 0 3px rgba(37,99,235,.12); }
.form-control::placeholder { color: #9FAEC0; }
select.form-control { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%236B7A99'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-size: 20px; padding-right: 44px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-submit { width: 100%; padding: 15px; background: linear-gradient(135deg, var(--accent), var(--primary)); color: white; border-radius: var(--r-full); font-size: 16px; font-weight: 700; cursor: pointer; transition: var(--transition); border: none; margin-top: 6px; display: flex; align-items: center; justify-content: center; gap: 8px; }
.form-submit:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(37,99,235,.4); }
.form-secure { display: flex; align-items: center; justify-content: center; gap: 6px; font-size: 12px; color: var(--text-lt); margin-top: 12px; }

/* ── Trust strip ── */
.trust-section { background: white; border-bottom: 1px solid var(--border); padding: 20px 0; }
.trust-grid { display: flex; align-items: center; justify-content: center; gap: 32px; flex-wrap: wrap; }
.trust-badge { display: flex; align-items: center; gap: 10px; }
.trust-badge-icon { width: 36px; height: 36px; background: var(--light); border-radius: 8px; display: flex; align-items: center; justify-content: center; color: var(--accent); font-size: 16px; flex-shrink: 0; }
.trust-badge strong { font-size: 13px; font-weight: 700; color: var(--text-dk); display: block; }
.trust-badge span { font-size: 11px; color: var(--text-lt); }

/* ── Loan Cards ── */
.loan-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.loan-card { background: white; border-radius: var(--r-lg); padding: 28px 24px; border: 1.5px solid var(--border); box-shadow: var(--shadow-sm); transition: var(--transition); position: relative; overflow: hidden; }
.loan-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--accent), var(--green-lt)); }
.loan-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); border-color: var(--accent); }
.loan-card-icon { width: 56px; height: 56px; border-radius: var(--r-md); background: linear-gradient(135deg, var(--light), rgba(37,99,235,.1)); display: flex; align-items: center; justify-content: center; font-size: 22px; color: var(--accent); margin-bottom: 18px; }
.loan-card-title { font-family: var(--font-head); font-size: 17px; font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.loan-card-desc { font-size: 13.5px; color: var(--text-lt); line-height: 1.65; margin-bottom: 16px; }
.loan-card-rate { font-size: 13px; font-weight: 600; color: var(--green); margin-bottom: 4px; }
.loan-card-amount { font-size: 20px; font-weight: 700; color: var(--accent); font-family: var(--font-head); margin-bottom: 16px; }
.loan-card-link { font-size: 14px; font-weight: 600; color: var(--accent); display: inline-flex; align-items: center; gap: 6px; }
.loan-card-link:hover { gap: 10px; }

/* ── Stats ── */
.stats-section { background: linear-gradient(135deg, var(--primary), var(--primary-lt)); padding: 56px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 32px; }
.stat-item { text-align: center; }
.stat-item .stat-icon { width: 52px; height: 52px; border-radius: var(--r-md); background: rgba(255,255,255,.12); display: flex; align-items: center; justify-content: center; font-size: 20px; color: var(--green-lt); margin: 0 auto 12px; }
.stat-item .stat-value { font-family: var(--font-head); font-size: 2.2rem; font-weight: 800; color: white; line-height: 1; margin-bottom: 6px; }
.stat-item .stat-label { font-size: 13px; color: rgba(255,255,255,.65); font-weight: 500; }

/* ── Benefits / Features ── */
.benefits-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.benefit-card { background: white; border-radius: 16px; padding: 28px 24px; border: 1px solid var(--border); box-shadow: 0 2px 12px rgba(0,0,0,.05); transition: transform 0.3s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease, border-color 0.3s ease; position: relative; overflow: hidden; }
.benefit-card::after { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--accent), var(--green-lt)); opacity: 0; transition: opacity .3s; }
.benefit-card:hover::after { opacity: 1; }
.benefit-icon { width: 54px; height: 54px; border-radius: 14px; display: flex; align-items: center; justify-content: center; margin-bottom: 18px; flex-shrink: 0; box-shadow: 0 4px 14px rgba(0,0,0,.15); }
.benefit-icon svg { stroke: white; }
.benefit-title { font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 10px; font-family: var(--font-head); }
.benefit-desc { font-size: 14px; color: var(--text-lt); line-height: 1.7; }
.benefit-icon { width: 52px; height: 52px; border-radius: var(--r-md); background: linear-gradient(135deg, var(--accent), var(--primary)); display: flex; align-items: center; justify-content: center; font-size: 20px; color: white; margin-bottom: 16px; flex-shrink: 0; }
.benefit-icon svg { stroke: white; }
.benefit-title { font-family: var(--font-head); font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.benefit-desc { font-size: 14px; color: var(--text-lt); line-height: 1.65; }

/* ── EMI Calculator (homepage) ── */
.emi-section { background: var(--off-white); }
.emi-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.emi-card { background: white; border-radius: var(--r-xl); padding: 36px; box-shadow: var(--shadow-lg); }
.emi-card-title { font-family: var(--font-head); font-size: 22px; font-weight: 700; color: var(--primary); margin-bottom: 28px; }
.range-slider { -webkit-appearance: none; appearance: none; height: 6px; border-radius: 6px; outline: none; cursor: pointer; width: 100%; background: linear-gradient(90deg, var(--accent) 40%, var(--light) 40%); }
.range-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--accent); cursor: pointer; box-shadow: 0 2px 8px rgba(37,99,235,.4); border: 3px solid white; }
.range-slider::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--accent); cursor: pointer; border: 3px solid white; }
.slider-group { margin-bottom: 24px; }
.slider-label { display: flex; justify-content: space-between; font-size: 14px; font-weight: 600; color: var(--text-mid); margin-bottom: 10px; }
.slider-label span { color: var(--accent); background: rgba(37,99,235,.08); padding: 2px 10px; border-radius: 6px; font-weight: 700; }
.emi-result { background: linear-gradient(135deg, var(--primary), var(--primary-lt)); border-radius: var(--r-lg); padding: 28px; text-align: center; margin-top: 24px; }
.emi-result-label { font-size: 12px; color: rgba(255,255,255,.7); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 4px; }
.emi-result-value { font-family: var(--font-head); font-size: 2.4rem; font-weight: 800; color: var(--green-lt); line-height: 1; }
.emi-result-sub { font-size: 12px; color: rgba(255,255,255,.55); margin-top: 8px; }
.emi-info h3 { font-family: var(--font-head); font-size: 32px; color: var(--primary); line-height: 1.2; margin-bottom: 16px; }
.emi-info p  { font-size: 16px; color: var(--text-lt); line-height: 1.75; margin-bottom: 28px; }
.emi-features { display: flex; flex-direction: column; gap: 14px; margin-bottom: 32px; }
.emi-feature { display: flex; align-items: center; gap: 12px; font-size: 15px; color: var(--text-mid); font-weight: 500; }
.emi-feature-icon { width: 36px; height: 36px; border-radius: 50%; background: var(--light); display: flex; align-items: center; justify-content: center; color: var(--accent); font-size: 14px; flex-shrink: 0; }

/* ── Testimonials ── */
.testimonials-section { background: white; }
.testimonials-slider { position: relative; overflow: hidden; }
.testimonials-track { display: flex; gap: 24px; transition: transform .5s var(--ease); }
.testimonial-card { background: var(--off-white); border-radius: var(--r-lg); padding: 28px; border: 1px solid var(--border); min-width: 340px; max-width: 340px; transition: var(--transition); }
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.testimonial-stars { color: #F59E0B; font-size: 14px; letter-spacing: 2px; margin-bottom: 12px; }
.testimonial-text { font-size: 14.5px; color: var(--text-mid); line-height: 1.75; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--accent), var(--primary)); display: flex; align-items: center; justify-content: center; font-family: var(--font-head); font-size: 16px; font-weight: 700; color: white; flex-shrink: 0; }
.testimonial-name { font-size: 14px; font-weight: 700; color: var(--primary); }
.testimonial-info { font-size: 12px; color: var(--text-lt); margin-top: 2px; }
.slider-controls { display: flex; align-items: center; justify-content: center; gap: 12px; margin-top: 32px; }
.slider-btn { width: 44px; height: 44px; border-radius: 50%; background: white; border: 1.5px solid var(--border); display: flex; align-items: center; justify-content: center; font-size: 14px; color: var(--text-mid); cursor: pointer; transition: var(--transition); }
.slider-btn:hover { background: var(--accent); color: white; border-color: var(--accent); }
.slider-dots { display: flex; gap: 6px; }
.slider-dot { width: 8px; height: 8px; border-radius: 4px; background: var(--border); cursor: pointer; transition: var(--transition); }
.slider-dot.active { background: var(--accent); width: 24px; }

/* ── FAQ ── */
.faq-section { background: var(--off-white); }
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; max-width: 900px; margin: 0 auto; }
.faq-item { background: white; border-radius: var(--r-md); border: 1px solid var(--border); overflow: hidden; }
.faq-question { display: flex; align-items: center; justify-content: space-between; padding: 18px 22px; cursor: pointer; font-size: 15px; font-weight: 600; color: var(--primary); transition: var(--transition); gap: 12px; }
.faq-question:hover { background: var(--off-white); }
.faq-icon { color: var(--accent); font-size: 13px; flex-shrink: 0; transition: transform .3s; }
.faq-item.open .faq-icon { transform: rotate(180deg); }
.faq-answer { padding: 0 22px; max-height: 0; overflow: hidden; transition: max-height .35s var(--ease), padding .35s; }
.faq-item.open .faq-answer { max-height: 500px; padding: 0 22px 18px; }
.faq-answer p { font-size: 14.5px; color: var(--text-lt); line-height: 1.7; }

/* ── Page Hero (inner pages) ── */
.page-hero { background: linear-gradient(135deg, var(--primary) 0%, #1E3A8A 55%, #2563EB 100%); padding: 110px 0 64px; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; top: -30%; right: -10%; width: 500px; height: 500px; background: radial-gradient(circle, rgba(255,255,255,.06) 0%, transparent 70%); pointer-events: none; }
.page-hero-label { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.9); padding: 5px 14px; border-radius: var(--r-full); font-size: 12px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 16px; backdrop-filter: blur(8px); }
.page-hero-title { font-family: var(--font-head); font-size: clamp(28px,4.5vw,50px); font-weight: 800; color: white; line-height: 1.2; margin-bottom: 16px; }
.page-hero-subtitle { font-size: 17px; color: rgba(255,255,255,.78); max-width: 580px; line-height: 1.75; margin-bottom: 28px; }
.page-hero-stats { display: flex; gap: 32px; flex-wrap: wrap; margin-top: 32px; }
.page-hero-stat .val { font-family: var(--font-head); font-size: 22px; font-weight: 700; color: white; line-height: 1; }
.page-hero-stat .lbl { font-size: 12px; color: rgba(255,255,255,.6); margin-top: 4px; }

/* ── How It Works ── */
.steps-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 28px; position: relative; }
.steps-grid::before { content: ''; position: absolute; top: 32px; left: 12%; right: 12%; height: 2px; background: linear-gradient(90deg, var(--accent), var(--green-lt)); opacity: .25; z-index: 0; }
.step-card { text-align: center; position: relative; z-index: 1; }
.step-num { width: 64px; height: 64px; border-radius: 50%; background: linear-gradient(135deg, var(--accent), var(--primary)); color: white; font-family: var(--font-head); font-size: 22px; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; box-shadow: 0 6px 20px rgba(37,99,235,.3); }
.step-title { font-family: var(--font-head); font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.step-desc { font-size: 14px; color: var(--text-lt); line-height: 1.65; }

/* ── Bank Partners ── */
.partners-section { padding: 52px 0; background: var(--off-white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.partners-label { text-align: center; font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--text-lt); margin-bottom: 28px; }
.partners-grid { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }
.partner-badge { display: flex; align-items: center; gap: 10px; padding: 12px 18px; background: white; border-radius: 12px; border: 1px solid var(--border); box-shadow: 0 1px 6px rgba(0,0,0,.06); font-size: 13px; font-weight: 700; color: var(--primary); transition: all .25s; cursor: default; }
.partner-badge:hover { box-shadow: 0 6px 24px rgba(37,99,235,.12); transform: translateY(-3px); border-color: rgba(37,99,235,.2); }
.partner-badge span { font-size: 13px; font-weight: 600; color: var(--primary); white-space: nowrap; }
.partner-logo-img { height: 28px; width: auto; max-width: 70px; object-fit: contain; filter: grayscale(0.2); transition: filter .3s; }
.partner-badge:hover .partner-logo-img { filter: grayscale(0); }

/* ── Eligibility Banner ── */
.eligibility-banner { background: linear-gradient(135deg, var(--primary) 0%, #1E3A8A 60%, var(--accent) 100%); padding: 72px 0; position: relative; overflow: hidden; }
.eligibility-banner::before { content: ''; position: absolute; top: -40%; right: -8%; width: 500px; height: 500px; background: radial-gradient(circle, rgba(255,255,255,.05) 0%, transparent 65%); }
.eligibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.eligibility-left h2 { font-family: var(--font-head); font-size: clamp(24px,3.5vw,40px); font-weight: 700; color: white; margin-bottom: 16px; line-height: 1.25; }
.eligibility-left p { font-size: 16px; color: rgba(255,255,255,.8); line-height: 1.75; margin-bottom: 28px; }
.elig-check { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,.85); font-size: 15px; margin-bottom: 12px; }
.elig-check i { color: var(--green-lt); font-size: 16px; }
.eligibility-card { background: white; border-radius: var(--r-lg); padding: 32px; box-shadow: 0 20px 60px rgba(0,0,0,.25); }
.eligibility-card h3 { font-family: var(--font-head); font-size: 20px; font-weight: 700; color: var(--primary); margin-bottom: 20px; }
.elig-result { background: linear-gradient(135deg, var(--primary), var(--accent)); border-radius: var(--r-md); padding: 20px; text-align: center; margin-top: 20px; display: none; }
.elig-result-label { font-size: 12px; color: rgba(255,255,255,.8); margin-bottom: 4px; letter-spacing: .5px; }
.elig-result-amount { font-family: var(--font-head); font-size: 2rem; font-weight: 800; color: var(--green-lt); }

/* ── Footer ── */
.site-footer { background: #080F22; padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-logo-img { height: 44px; width: auto; object-fit: contain; filter: brightness(0) invert(1); margin-bottom: 16px; }
.footer-tagline { font-size: 14px; color: rgba(255,255,255,.55); line-height: 1.75; margin-bottom: 24px; }
.footer-social { display: flex; gap: 10px; }
.soc-link { width: 36px; height: 36px; border-radius: var(--r-sm); background: rgba(255,255,255,.08); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.6); font-size: 15px; transition: var(--transition); }
.soc-link:hover { background: var(--accent); color: white; transform: translateY(-2px); }
.footer-heading { font-family: var(--font-head); font-size: 15px; font-weight: 700; color: white; margin-bottom: 16px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 14px; color: rgba(255,255,255,.55); transition: var(--transition); display: flex; align-items: center; gap: 8px; }
.footer-links a:hover { color: var(--green-lt); }
.footer-arrow { font-size: 9px; opacity: .5; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 20px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,.35); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: 13px; color: rgba(255,255,255,.35); transition: var(--transition); }
.footer-bottom-links a:hover { color: var(--green-lt); }

/* ── Float buttons ── */
.float-actions { position: fixed; bottom: 28px; right: 28px; z-index: 900; display: flex; flex-direction: column; gap: 10px; }
.float-btn { width: 52px; height: 52px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 20px; color: white; box-shadow: 0 4px 20px rgba(0,0,0,.25); transition: var(--transition); }
.float-btn:hover { transform: translateY(-3px) scale(1.05); color: white; }
.float-wa   { background: #25D366; box-shadow: 0 4px 20px rgba(37,211,102,.45); }
.float-wa:hover { background: #1DA851; }
.float-call { background: var(--accent); box-shadow: 0 4px 20px rgba(37,99,235,.45); }
.float-call:hover { background: var(--accent-hov); }

/* ── Scroll Top ── */
.scroll-top-btn { position: fixed; bottom: 100px; right: 28px; z-index: 900; width: 44px; height: 44px; border-radius: 50%; background: var(--primary); color: white; font-size: 14px; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-md); opacity: 0; pointer-events: none; transition: var(--transition); cursor: pointer; border: none; }
.scroll-top-btn.visible { opacity: 1; pointer-events: auto; }
.scroll-top-btn:hover { background: var(--accent); transform: translateY(-2px); }

/* ── Popup / Toast ── */
.popup-overlay { position: fixed; inset: 0; background: rgba(0,0,0,.6); z-index: 2000; display: flex; align-items: center; justify-content: center; padding: 24px; opacity: 0; pointer-events: none; transition: opacity .3s; backdrop-filter: blur(4px); }
.popup-overlay.show { opacity: 1; pointer-events: auto; }
.popup-card { background: white; border-radius: var(--r-xl); padding: 40px 36px; max-width: 440px; width: 100%; box-shadow: var(--shadow-xl); position: relative; }
.popup-close { position: absolute; top: 16px; right: 16px; width: 32px; height: 32px; border-radius: 50%; background: var(--light); display: flex; align-items: center; justify-content: center; font-size: 14px; color: var(--text-lt); cursor: pointer; transition: var(--transition); border: none; }
.popup-close:hover { background: var(--red); color: white; }
.toast { position: fixed; bottom: 28px; left: 28px; background: white; border-radius: var(--r-md); padding: 16px 20px; box-shadow: var(--shadow-xl); display: flex; align-items: center; gap: 14px; z-index: 3000; transform: translateX(-120%); transition: transform .4s var(--ease); min-width: 280px; border-left: 4px solid var(--green); }
.toast.show { transform: translateX(0); }
.toast-icon { font-size: 20px; color: var(--green); flex-shrink: 0; }
.toast-title { font-size: 14px; font-weight: 700; color: var(--primary); }
.toast-text  { font-size: 13px; color: var(--text-lt); margin-top: 2px; }

/* ── Page Loader ── */
.page-loader { position: fixed; inset: 0; background: var(--primary); z-index: 9999; display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 20px; transition: opacity .4s, visibility .4s; }
.page-loader.hidden { opacity: 0; visibility: hidden; }
.loader-logo-img { height: 56px; width: auto; object-fit: contain; filter: brightness(0) invert(1); }
.loader-bar { width: 200px; height: 3px; background: rgba(255,255,255,.15); border-radius: 3px; overflow: hidden; }
.loader-progress { height: 100%; background: var(--green-lt); animation: loader-anim 1.4s ease-in-out forwards; }
@keyframes loader-anim { 0% { width: 0; } 100% { width: 100%; } }
@keyframes pulse { 0%, 100% { opacity: 1; transform: scale(1); } 50% { opacity: .6; transform: scale(1.2); } }
@keyframes fade-up { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
.animate-fade-up { animation: fade-up .7s var(--ease) both; }

/* ── Admin Panel ── */
.admin-header-bar { background: var(--primary); color: white; padding: 14px 24px; display: flex; align-items: center; gap: 16px; position: sticky; top: 0; z-index: 100; }
.admin-layout { display: grid; grid-template-columns: 220px 1fr; min-height: calc(100vh - 52px); }
.admin-sidebar { background: #F8FAFF; border-right: 1px solid var(--border); padding: 20px 12px; }
.admin-nav-link { display: flex; align-items: center; gap: 10px; width: 100%; padding: 10px 14px; border-radius: var(--r-sm); font-size: 14px; font-weight: 500; color: var(--text-mid); cursor: pointer; transition: var(--transition); text-align: left; margin-bottom: 4px; border: none; background: none; }
.admin-nav-link.active, .admin-nav-link:hover { background: rgba(37,99,235,.08); color: var(--accent); }
.admin-content { padding: 28px; background: var(--off-white); }
.admin-section-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px; flex-wrap: wrap; gap: 12px; }
.admin-section-header h2 { font-family: var(--font-head); font-size: 1.4rem; color: var(--primary); font-weight: 700; }
.admin-tab { display: none; }
.admin-tab.active { display: block; }
.stat-cards { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; margin-bottom: 24px; }
.stat-card { background: white; border-radius: var(--r-md); padding: 20px; box-shadow: var(--shadow-sm); border: 1px solid var(--border); text-align: center; }
.s-val { font-family: var(--font-head); font-size: 1.8rem; font-weight: 700; color: var(--primary); }
.s-label { font-size: 12px; color: var(--text-lt); font-weight: 600; text-transform: uppercase; letter-spacing: .5px; margin-top: 4px; }
.admin-table { width: 100%; border-collapse: collapse; background: white; border-radius: var(--r-md); overflow: hidden; box-shadow: var(--shadow-sm); }
.admin-table th { background: var(--off-white); font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--text-lt); padding: 12px 16px; text-align: left; border-bottom: 1px solid var(--border); }
.admin-table td { padding: 12px 16px; font-size: 14px; color: var(--text-mid); border-bottom: 1px solid var(--light); }
.admin-table tr:hover td { background: var(--off-white); }
.badge { display: inline-flex; padding: 3px 10px; border-radius: var(--r-full); font-size: 12px; font-weight: 600; }
.badge-green { background: #D1FAE5; color: #065F46; }
.badge-yellow { background: #FEF3C7; color: #92400E; }
.badge-red    { background: #FEE2E2; color: #991B1B; }
.admin-btn { display: inline-flex; align-items: center; gap: 6px; padding: 7px 14px; border-radius: var(--r-sm); font-size: 13px; font-weight: 600; cursor: pointer; transition: var(--transition); border: 1.5px solid transparent; }
.admin-btn-primary { background: var(--accent); color: white; }
.admin-btn-primary:hover { background: var(--accent-hov); }
.admin-btn-outline { background: white; color: var(--text-mid); border-color: var(--border); }
.admin-btn-outline:hover { border-color: var(--accent); color: var(--accent); }
.admin-btn-danger { background: white; color: var(--red); border-color: var(--red); }
.admin-btn-danger:hover { background: var(--red); color: white; }
.editor-modal { position: fixed; inset: 0; background: rgba(0,0,0,.6); z-index: 2000; display: none; align-items: center; justify-content: center; padding: 24px; }
.editor-modal.show { display: flex; }
.editor-card { background: white; border-radius: var(--r-xl); padding: 36px; max-width: 680px; width: 100%; max-height: 85vh; overflow-y: auto; box-shadow: var(--shadow-xl); }
.post-editor textarea { width: 100%; height: 200px; resize: vertical; padding: 14px; border: 1.5px solid var(--border); border-radius: var(--r-md); font-family: var(--font-body); font-size: 14px; color: var(--text-dk); outline: none; }
.post-editor textarea:focus { border-color: var(--accent); box-shadow: 0 0 0 3px rgba(37,99,235,.1); }

/* ── Responsive ── */
/* ═══════════════════════════════════════════════════
   RESPONSIVE — TABLET (≤1024px)
═══════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .loan-grid        { grid-template-columns: repeat(2,1fr); }
  .stats-grid       { grid-template-columns: repeat(2,1fr); }
  .footer-grid      { grid-template-columns: 1fr 1fr; gap: 32px; }
  .hero-grid        { grid-template-columns: 1fr; gap: 40px; }
  .hero-card        { max-width: 560px; }
  .img-feature      { grid-template-columns: 1fr; gap: 36px; }
  .img-feature.reverse { direction: ltr; }
  .img-feature-visual img { height: 300px; }
  .emi-inner-grid   { grid-template-columns: 1fr !important; gap: 32px !important; }
}

/* ═══════════════════════════════════════════════════
   RESPONSIVE — TABLET SMALL (≤900px)
═══════════════════════════════════════════════════ */
@media (max-width: 900px) {
  .emi-grid           { grid-template-columns: 1fr; }
  .eligibility-grid   { grid-template-columns: 1fr; }
  .admin-layout       { grid-template-columns: 1fr; }
  .admin-sidebar      { display: none; }
  .stat-cards         { grid-template-columns: repeat(2,1fr); }
  .faq-grid           { grid-template-columns: 1fr; }
  .steps-grid         { grid-template-columns: repeat(2,1fr); }
  .steps-grid::before { display: none; }
  .benefits-grid      { grid-template-columns: repeat(2,1fr); }
  /* About / Contact inner grids */
  .about-story-grid, .contact-inner-grid { grid-template-columns: 1fr !important; gap: 32px !important; }
  .img-feature-visual { border-radius: 16px; }
  /* Page hero stats wrap */
  .page-hero-stats    { gap: 20px; flex-wrap: wrap; }
  /* Apply page */
  .apply-inner-grid   { grid-template-columns: 1fr !important; gap: 32px !important; }
}

/* ═══════════════════════════════════════════════════
   RESPONSIVE — MOBILE (≤768px)
═══════════════════════════════════════════════════ */
@media (max-width: 768px) {
  :root { --nav-h: 64px; }
  .nav-links          { display: none !important; }
  .nav-dropdown       { display: none !important; }
  .dropdown-menu      { display: none !important; opacity: 0 !important; visibility: hidden !important; }
  .hamburger          { display: flex; }
  /* Hide Call Now on mobile to prevent overflow */
  .nav-call-btn       { display: none !important; }
  /* Nav container no overflow */
  .nav-container      { padding: 0 16px; overflow: visible; }
  /* Logo smaller on mobile */
  .nav-logo-img       { height: 38px; }
  /* Apply Now btn smaller */
  .nav-cta            { font-size: 12px !important; padding: 8px 14px !important; }
  /* Nav right compact */
  .nav-right          { gap: 8px; }
  .loan-grid          { grid-template-columns: 1fr; }
  .testimonial-card   { min-width: 280px; max-width: 280px; }
  .float-actions      { bottom: 20px; right: 16px; }
  .footer-grid        { grid-template-columns: 1fr 1fr; }
  .section            { padding: 52px 0; }
  .form-row           { grid-template-columns: 1fr; }
  /* Blog grid */
  .blog-grid          { grid-template-columns: 1fr; }
  /* Benefits */
  .benefits-grid      { grid-template-columns: 1fr; }
  /* Partners */
  .partners-grid      { gap: 10px; }
  .partner-badge      { min-width: 110px; padding: 10px 14px; font-size: 12px; }
  .partner-logo-img   { height: 22px; }
  /* Section headers */
  .section-title      { font-size: clamp(22px,5vw,34px); }
  /* Page hero */
  .page-hero          { padding: 90px 0 52px !important; }
  .page-hero-title    { font-size: clamp(24px,6vw,42px); }
  .page-hero-stats    { gap: 16px; }
  .page-hero-stat .val{ font-size: 18px; }
  /* FAQ */
  .faq-grid           { grid-template-columns: 1fr; }
  /* Stats section */
  .stats-grid         { grid-template-columns: repeat(2,1fr); gap: 16px; }
  /* Img feature */
  .img-feature        { grid-template-columns: 1fr; gap: 28px; }
  .img-feature.reverse{ direction: ltr; }
  .img-feature-visual img { height: 240px; }
  .img-feature-badge  { padding: 10px 14px; font-size: 12px; bottom: 14px; left: 14px; }
  .img-feature-badge .badge-val { font-size: 18px; }
  /* Hero */
  .hero-grid          { gap: 32px; }
  .hero-title         { font-size: clamp(28px,7vw,46px); }
  .hero-subtitle      { font-size: 15px; }
  /* Eligibility grid inside personal loan */
  .eligibility-cols   { grid-template-columns: 1fr !important; gap: 24px !important; }
}

/* ═══════════════════════════════════════════════════
   RESPONSIVE — MOBILE SMALL (≤540px)
═══════════════════════════════════════════════════ */
@media (max-width: 540px) {
  .container          { padding: 0 16px; }
  .section            { padding: 44px 0; }
  .hero-stats         { gap: 16px; flex-wrap: wrap; }
  .hero-actions       { flex-direction: column; }
  .hero-actions .btn  { width: 100%; justify-content: center; }
  .steps-grid         { grid-template-columns: 1fr; }
  .benefits-grid      { grid-template-columns: 1fr; }
  .stats-grid         { grid-template-columns: repeat(2,1fr); }
  .footer-grid        { grid-template-columns: 1fr; }
  .footer-bottom      { flex-direction: column; align-items: flex-start; gap: 8px; }
  .partners-grid      { gap: 8px; }
  .partner-badge      { min-width: 90px; font-size: 11px; padding: 8px 10px; flex-direction: column; gap: 4px; }
  .hero-card          { padding: 24px 18px; }
  .emi-card           { padding: 24px 18px; }
  .stat-cards         { grid-template-columns: 1fr 1fr; }
  /* Loan card image */
  .loan-card-img-wrap { height: 140px; }
  .loan-card-img-wrap img { height: 140px; }
  /* Blog filters wrap */
  .blog-filters       { gap: 8px; }
  .bfp                { padding: 6px 14px; font-size: 12px; }
  /* Hero card buttons */
  .page-hero-stats    { gap: 12px; }
  /* Testimonials */
  .testimonial-card   { min-width: 260px; max-width: 260px; padding: 20px; }
  /* Nav right gap */
  .nav-right          { gap: 8px; }
  /* CTA section */
  .cta-btns-wrap      { flex-direction: column; align-items: stretch; }
  .cta-btns-wrap .btn { width: 100%; justify-content: center; }
  /* FAQ */
  .faq-question       { font-size: 14px; padding: 14px 16px; }
  .faq-answer         { padding: 0 16px; }
  .faq-item.open .faq-answer { padding: 0 16px 16px; }
  /* Section label */
  .section-label      { font-size: 11px; }
  /* Footer tagline */
  .footer-tagline     { font-size: 13px; }
  /* img feature */
  .img-feature-content h2 { font-size: clamp(20px,5vw,28px); }
  .img-feature-points { gap: 10px; }
}

/* ── Utility ── */
.mt-2{margin-top:16px} .mt-3{margin-top:24px} .mt-4{margin-top:32px}
.mb-2{margin-bottom:16px} .mb-3{margin-bottom:24px} .mb-4{margin-bottom:32px}
.text-accent{color:var(--accent)} .text-green{color:var(--green)} .text-white{color:white}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.flex-center{display:flex;align-items:center;justify-content:center}
.flex-between{display:flex;align-items:center;justify-content:space-between}
.hidden{display:none!important}

/* ── Sticky bar ── */
.sticky-bottom-bar { position: fixed; bottom: 0; left: 0; right: 0; background: var(--primary); color: white; padding: 12px 24px; display: flex; align-items: center; justify-content: space-between; gap: 12px; z-index: 800; font-size: 14px; font-weight: 500; }
.sticky-bottom-bar button { background: none; border: none; color: rgba(255,255,255,.7); font-size: 18px; cursor: pointer; padding: 4px; line-height: 1; }
@media(min-width:769px) { .sticky-bottom-bar { display: none; } }

/* ── Blog ── */
.blog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.blog-card { background: white; border-radius: var(--r-lg); overflow: hidden; border: 1px solid var(--border); box-shadow: var(--shadow-sm); transition: var(--transition); }
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-5px); }
.blog-card-img { width: 100%; height: 200px; object-fit: cover; background: linear-gradient(135deg, var(--light), rgba(37,99,235,.1)); display: flex; align-items: center; justify-content: center; font-size: 48px; }
.blog-card-body { padding: 24px; }
.blog-category-badge { display: inline-flex; padding: 4px 12px; background: rgba(37,99,235,.08); color: var(--accent); border-radius: var(--r-full); font-size: 12px; font-weight: 700; margin-bottom: 12px; }
.blog-card-title { font-family: var(--font-head); font-size: 17px; font-weight: 700; color: var(--primary); margin-bottom: 10px; line-height: 1.4; }
.blog-card-excerpt { font-size: 14px; color: var(--text-lt); line-height: 1.65; margin-bottom: 16px; }
.blog-meta { display: flex; align-items: center; justify-content: space-between; font-size: 12px; color: var(--text-lt); }
@media(max-width:768px) { .blog-grid { grid-template-columns: 1fr; } }

/* ── Real Image Feature Section ── */
.img-feature { display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
.img-feature.reverse { direction:rtl; }
.img-feature.reverse > * { direction:ltr; }
.img-feature-visual { position:relative; border-radius:20px; overflow:hidden; box-shadow:0 20px 60px rgba(10,36,99,.15); }
.img-feature-visual img { width:100%; height:420px; object-fit:cover; display:block; transition:transform .5s ease; }
.img-feature-visual:hover img { transform:scale(1.04); }
.img-feature-badge {
  position:absolute; bottom:20px; left:20px;
  background:rgba(10,36,99,.88); backdrop-filter:blur(10px);
  color:white; padding:10px 18px; border-radius:12px;
  font-size:13px; font-weight:600; border:1px solid rgba(255,255,255,.15);
  display:flex; align-items:center; gap:10px;
}
.img-feature-badge .badge-val { font-size:22px; font-weight:800; font-family:var(--font-head); line-height:1; }
.img-feature-content h2 { font-family:var(--font-head); font-size:clamp(24px,3vw,36px); font-weight:800; color:var(--primary); margin-bottom:16px; line-height:1.25; }
.img-feature-content p { font-size:16px; color:var(--text-lt); line-height:1.8; margin-bottom:28px; }
.img-feature-points { display:flex; flex-direction:column; gap:14px; margin-bottom:32px; }
.img-feature-point { display:flex; align-items:flex-start; gap:12px; }
.img-fp-icon { width:36px; height:36px; border-radius:10px; background:linear-gradient(135deg,var(--light),rgba(37,99,235,.1)); display:flex; align-items:center; justify-content:center; color:var(--accent); font-size:15px; flex-shrink:0; }
.img-fp-text strong { display:block; font-size:14px; color:var(--primary); font-weight:700; }
.img-fp-text span { font-size:13px; color:var(--text-lt); line-height:1.5; }
@media(max-width:860px){ .img-feature { grid-template-columns:1fr; gap:32px; } .img-feature.reverse{ direction:ltr; } .img-feature-visual img { height:260px; } }

/* ── Upgraded Loan Cards with Images ── */
.loan-card-img-wrap { width:100%; height:160px; overflow:hidden; border-radius:var(--r-lg) var(--r-lg) 0 0; margin:-28px -24px 20px; width:calc(100% + 48px); position:relative; }
.loan-card-img-wrap img { width:100%; height:160px; object-fit:cover; transition:transform .4s ease; }
.loan-card:hover .loan-card-img-wrap img { transform:scale(1.06); }
.loan-card-img-wrap .lc-rate-tag { position:absolute; top:12px; right:12px; background:rgba(10,36,99,.85); backdrop-filter:blur(8px); color:#fff; font-size:12px; font-weight:700; padding:4px 12px; border-radius:50px; border:1px solid rgba(255,255,255,.15); }

/* ═══════════════════════════════════════════════════
   ENHANCED ANIMATIONS
═══════════════════════════════════════════════════ */

/* Scroll-reveal base */
.reveal {
  opacity: 0;
  transform: translateY(36px);
  transition: opacity 0.65s cubic-bezier(.22,1,.36,1), transform 0.65s cubic-bezier(.22,1,.36,1);
}
.reveal.reveal-left  { transform: translateX(-40px); }
.reveal.reveal-right { transform: translateX(40px); }
.reveal.reveal-scale { transform: scale(0.92); }
.reveal.visible {
  opacity: 1;
  transform: none;
}

/* Stagger children */
.stagger-children > * {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.55s cubic-bezier(.22,1,.36,1), transform 0.55s cubic-bezier(.22,1,.36,1);
}
.stagger-children.visible > *:nth-child(1)  { transition-delay: 0s;    opacity:1; transform:none; }
.stagger-children.visible > *:nth-child(2)  { transition-delay:.08s;   opacity:1; transform:none; }
.stagger-children.visible > *:nth-child(3)  { transition-delay:.16s;   opacity:1; transform:none; }
.stagger-children.visible > *:nth-child(4)  { transition-delay:.24s;   opacity:1; transform:none; }
.stagger-children.visible > *:nth-child(5)  { transition-delay:.32s;   opacity:1; transform:none; }
.stagger-children.visible > *:nth-child(6)  { transition-delay:.40s;   opacity:1; transform:none; }

/* Floating number badge in hero */
@keyframes float {
  0%,100% { transform: translateY(0px); }
  50%      { transform: translateY(-8px); }
}
.float-anim { animation: float 4s ease-in-out infinite; }

/* Pulse dot */
@keyframes pulse-ring {
  0%   { transform: scale(.8); box-shadow: 0 0 0 0 rgba(16,185,129,.6); }
  70%  { transform: scale(1);  box-shadow: 0 0 0 10px rgba(16,185,129,0); }
  100% { transform: scale(.8); box-shadow: 0 0 0 0 rgba(16,185,129,0); }
}
.pulse-dot { animation: pulse-ring 2s infinite; }

/* Hero badge shimmer */
@keyframes badge-shine {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}
.hero-badge {
  background: linear-gradient(90deg,
    rgba(255,255,255,.08) 0%,
    rgba(255,255,255,.2) 40%,
    rgba(255,255,255,.08) 80%);
  background-size: 200% auto;
  animation: badge-shine 3s linear infinite;
}

/* Benefit card hover lift */
.benefit-card {
  transition: transform 0.3s cubic-bezier(.34,1.56,.64,1),
              box-shadow 0.3s ease,
              border-color 0.3s ease !important;
}
.benefit-card:hover {
  transform: translateY(-8px) !important;
  box-shadow: 0 16px 48px rgba(37,99,235,.12) !important;
  border-color: rgba(37,99,235,.2) !important;
}
.benefit-icon {
  transition: transform 0.3s cubic-bezier(.34,1.56,.64,1),
              background 0.3s ease !important;
}
.benefit-card:hover .benefit-icon {
  transform: scale(1.15) rotate(-4deg);
  background: linear-gradient(135deg, var(--accent), #1d4ed8) !important;
  color: white !important;
}

/* Trust badge hover */
.trust-badge {
  transition: transform 0.3s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s !important;
}
.trust-badge:hover { transform: translateY(-4px) scale(1.03) !important; }

/* Loan card smooth image hover already added above */

/* Nav link underline slide */
.nav-link {
  position: relative;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 4px; left: 14px; right: 14px;
  height: 2px;
  background: var(--green-lt);
  border-radius: 2px;
  transform: scaleX(0);
  transition: transform 0.25s cubic-bezier(.22,1,.36,1);
  transform-origin: left;
}
.navbar.scrolled .nav-link::after { background: var(--accent); }
.nav-link:hover::after,
.nav-link.active::after { transform: scaleX(1); }

/* Button press effect */
.btn:active { transform: scale(0.97) !important; }

/* Testimonial card tilt on hover */
.testimonial-card {
  transition: transform 0.3s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s !important;
}
.testimonial-card:hover {
  transform: translateY(-5px) rotate(0.4deg) !important;
  box-shadow: 0 12px 36px rgba(0,0,0,.1) !important;
}

/* Stats count-up glow */
.stat-value {
  transition: color 0.3s;
}
.stat-item:hover .stat-value { color: var(--green-lt) !important; }

/* Img feature parallax feel */
.img-feature-visual {
  transition: transform 0.5s ease, box-shadow 0.5s ease !important;
}
.img-feature-visual:hover {
  transform: translateY(-6px) !important;
  box-shadow: 0 28px 70px rgba(10,36,99,.2) !important;
}

/* FAQ smooth open */
.faq-answer { transition: max-height .4s cubic-bezier(.22,1,.36,1), padding .4s !important; }

/* Page loader fade */
.page-loader { transition: opacity .5s ease !important; }

/* Scroll progress bar smooth */
.progress-bar { transition: width .08s linear !important; }

/* Mobile nav slide */
.mobile-nav { transition: right .38s cubic-bezier(.22,1,.36,1) !important; }

/* ── Call Now nav button ── */
.nav-call-btn {
  background: rgba(16,185,129,.12) !important;
  color: var(--green) !important;
  border: 1.5px solid rgba(16,185,129,.35) !important;
  border-radius: 50px !important;
  padding: 8px 18px !important;
  font-weight: 600 !important;
  font-size: 13px !important;
  display: inline-flex !important;
  align-items: center !important;
  gap: 7px !important;
  transition: all .25s !important;
}
.nav-call-btn:hover {
  background: rgba(16,185,129,.22) !important;
  border-color: rgba(16,185,129,.55) !important;
  transform: translateY(-2px) !important;
}
.navbar.scrolled .nav-call-btn {
  background: rgba(16,185,129,.1) !important;
  color: #059669 !important;
  border-color: rgba(16,185,129,.3) !important;
}
@media(max-width:900px) { .nav-call-btn { display: none !important; } }

/* ── Partner logo fallback ── */
.partner-badge img[src=""] , .partner-badge img:not([src]) {
  display: none;
}

/* ============================================================
   WORDPRESS THEME — ADDITIONAL STYLES
   ============================================================ */

/* ── Nav active state ── */
.nav-link.active { color: var(--accent) !important; }

/* ── Dropdown open state — desktop only ── */
@media (min-width: 769px) {
  .dropdown-menu.open { display: block; opacity: 1; visibility: visible; transform: translateY(0); }
}

/* ── Mobile Nav open ── */
.mobile-nav.open { right: 0; transform: none; }

/* ── Reveals ── */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .6s ease, transform .6s ease; }
.reveal.revealed { opacity: 1; transform: translateY(0); }
.reveal-right { opacity: 0; transform: translateX(30px); transition: opacity .6s ease, transform .6s ease; }
.reveal-right.revealed { opacity: 1; transform: translateX(0); }

/* ── WP Search Form ── */
.search-form { display: flex; gap: 8px; max-width: 500px; margin: 0 auto; }
.search-form .search-field { flex: 1; padding: 14px 20px; border-radius: 50px; border: 2px solid rgba(255,255,255,.3); background: rgba(255,255,255,.15); color: #fff; font-size: 15px; outline: none; }
.search-form .search-field::placeholder { color: rgba(255,255,255,.6); }
.search-form .search-submit { padding: 12px 24px; border-radius: 50px; background: var(--green); color: #fff; border: none; font-weight: 700; cursor: pointer; transition: .2s; }

/* ── WP Pagination ── */
.pagination .nav-links,
.posts-navigation .nav-links,
.page-navigation .nav-links { display: flex; gap: 8px; justify-content: center; flex-wrap: wrap; }
.pagination .nav-links a,
.pagination .nav-links span,
.posts-navigation .nav-links a,
.posts-navigation .nav-links span,
.page-navigation .nav-links a,
.page-navigation .nav-links span { display: inline-flex; min-width: 40px; height: 40px; padding: 0 12px; border-radius: 10px; border: 1.5px solid var(--border); background: #fff; color: var(--primary); font-size: 14px; font-weight: 600; cursor: pointer; align-items: center; justify-content: center; transition: .2s; text-decoration: none; }
.pagination .nav-links .current,
.pagination .nav-links a:hover,
.posts-navigation .nav-links a:hover { background: var(--accent); color: #fff; border-color: var(--accent); }

/* ── Post body WP content ── */
.post-body .wp-block-image { margin: 1.5em 0; }
.post-body .wp-block-image img { border-radius: 10px; }
.post-body figure { margin: 1.5em 0; }
.post-body figcaption { font-size: 12px; color: var(--text-lt); text-align: center; margin-top: 6px; }
.post-body .wp-block-quote { border-left: 4px solid var(--accent); padding: 16px 20px; background: rgba(37,99,235,.04); border-radius: 0 10px 10px 0; margin: 1.5em 0; }
.post-body .wp-block-code { background: #1E293B; color: #E2E8F0; padding: 20px; border-radius: 10px; font-size: 14px; overflow-x: auto; }
.post-body .wp-block-table table { width: 100%; border-collapse: collapse; }
.post-body .wp-block-table td, .post-body .wp-block-table th { border: 1px solid var(--border); padding: 10px 14px; }
.post-body .wp-block-table th { background: var(--primary); color: #fff; }

/* ── Partners section real logo sizing ── */
.partner-badge img { transition: filter .3s; }
.partner-badge img:hover { filter: brightness(.9); }

/* ── Partners grid responsive ── */
@media (max-width: 768px) {
  .partners-grid { gap: 14px; }
  .partner-badge { padding: 10px 12px; }
}

/* ── About story grid responsive ── */
@media (max-width: 768px) {
  .about-story-grid { grid-template-columns: 1fr !important; gap: 32px !important; }
  .contact-inner-grid { grid-template-columns: 1fr !important; gap: 32px !important; }
}

/* ── WP block alignment ── */
.alignwide { margin-left: -40px; margin-right: -40px; }
.alignfull { margin-left: calc(50% - 50vw); margin-right: calc(50% - 50vw); width: 100vw; }

/* ── Sticky post indicator ── */
.sticky .bct-title::before { content: '📌 '; }

/* ── Screen reader text (accessibility) ── */
.screen-reader-text { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

/* ── Skip to content link ── */
.skip-link { position: absolute; top: -40px; left: 0; background: var(--accent); color: #fff; padding: 8px 16px; z-index: 9999; transition: top .3s; font-size: 14px; }
.skip-link:focus { top: 0; }

/* ── FAQ FIX: Ensure open state always shows answer ── */
.faq-item.open .faq-answer {
  max-height: 600px !important;
  padding: 0 22px 18px !important;
}
.faq-item .faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s cubic-bezier(.22,1,.36,1), padding .4s;
}
/* Touch-friendly FAQ tap area */
.faq-question {
  -webkit-tap-highlight-color: transparent;
  user-select: none;
  min-height: 48px;
}

/* ── MOBILE PROFESSIONAL FIXES ── */
@media (max-width: 768px) {
  /* FAQ on small screens */
  .faq-item.open .faq-answer { padding: 0 16px 16px !important; }
  /* Hero section tighter on mobile */
  .hero-section { padding-top: calc(var(--nav-h) + 24px); }
  /* Section spacing tighter */
  .section { padding: 44px 0; }
  /* Card full width on mobile */
  .hero-card { width: 100%; max-width: 100%; }
  /* EMI calculator full width */
  .emi-card { width: 100%; }
  /* Ensure images don't overflow */
  img { max-width: 100%; height: auto; }
  /* Float action buttons better spacing from bottom */
  .float-actions { bottom: 72px; }
  /* Sticky bottom bar text wrap */
  .sticky-bottom-bar { font-size: 12px; padding: 10px 16px; }
}

@media (max-width: 540px) {
  /* FAQ question text wrap properly */
  .faq-question { font-size: 13.5px; padding: 13px 14px; line-height: 1.4; }
  .faq-item.open .faq-answer { padding: 0 14px 14px !important; }
  .faq-answer p { font-size: 13.5px; }
  /* Prevent any element overflow */
  * { box-sizing: border-box; }
  .container { padding: 0 14px; }
  /* Section label spacing */
  .section-header { margin-bottom: 28px; }
}

/* ── HEADER MOBILE FIX (complete) ── */
/* Ensure navbar never overflows on any screen */
.navbar { overflow: visible; }
.nav-container { flex-wrap: nowrap; min-width: 0; }
/* nav-logo CAN shrink on mobile so hamburger is never pushed off */
.nav-logo { flex: 1 1 auto; min-width: 0; }
.nav-right { flex-shrink: 0; flex-grow: 0; }

/* Very small screens (360px and below) */
@media (max-width: 400px) {
  .nav-logo-img   { height: 32px; }
  .nav-cta        { font-size: 11px !important; padding: 7px 10px !important; white-space: nowrap; }
  .nav-container  { padding: 0 10px; gap: 4px; }
  .hamburger      { padding: 6px; min-width: 40px; width: 40px; height: 40px; }
  .hamburger span { width: 20px; }
}

/* Mobile nav drawer polish */
.mobile-nav-header img { max-width: 140px; }
.mob-cta-btn { 
  display: block; 
  margin: 20px 20px 0; 
  padding: 14px; 
  background: var(--accent); 
  color: white !important; 
  text-align: center; 
  border-radius: var(--r-full); 
  font-size: 15px; 
  font-weight: 700; 
  box-shadow: 0 4px 18px rgba(37,99,235,.35);
  text-decoration: none;
}
.mob-cta-btn:hover { background: #1d4ed8; }

/* ============================================================
   MOBILE NAV — DEFINITIVE FIX v6.0
   Bug 1: hamburger cut on reload → logo flex-shrink + max-width
   Bug 2: logo over drawer → backdrop-filter GPU layer bypass fix
   ============================================================ */

/* FIX 2: Hide the entire navbar when mobile drawer is open.
   backdrop-filter GPU compositing layer ignores z-index in Chrome/Safari —
   the only 100% reliable fix is to hide the navbar completely.
   The mobile drawer has its own header (logo + close btn) so UX is unaffected. */
body.nav-open .navbar {
  visibility: hidden !important;
  opacity: 0 !important;
  pointer-events: none !important;
  transition: none !important;
}

/* ── Overlay: covers full viewport, ABOVE navbar (50) ──────── */
.mobile-nav-overlay {
  position: fixed !important;
  top: 0 !important; right: 0 !important;
  bottom: 0 !important; left: 0 !important;
  background: rgba(0,0,0,.52) !important;
  z-index: 1100 !important;
  display: none;
}
body.nav-open .mobile-nav-overlay { display: block !important; }

/* ── Mobile Nav Drawer ─────────────────────────────────────── */
.mobile-nav {
  position: fixed !important;
  top: 0 !important;
  right: -100% !important;
  width: min(320px, 85vw) !important;
  height: 100vh !important;
  background: #ffffff !important;
  z-index: 1200 !important;
  box-shadow: -4px 0 48px rgba(10,36,99,.2) !important;
  transition: right .34s cubic-bezier(.22,1,.36,1) !important;
  transform: none !important;
  overflow-y: auto;
  overflow-x: hidden;
  -webkit-overflow-scrolling: touch;
  will-change: right;
}
.mobile-nav.open {
  right: 0 !important;
  transform: none !important;
}

/* ── Mobile ≤ 768px ────────────────────────────────────────── */
@media (max-width: 768px) {

  /* FIX 1a: Logo shrinks so nav-right is never pushed off viewport */
  .nav-logo {
    flex: 1 1 auto !important;
    min-width: 0 !important;
  }
  .nav-logo-img {
    height: 36px !important;
    max-width: 150px !important;
    width: auto !important;
    object-fit: contain !important;
    object-position: left center !important;
    display: block !important;
  }

  /* FIX 1b: nav-right never shrinks — hamburger always in viewport */
  .nav-right {
    flex: 0 0 auto !important;
    flex-shrink: 0 !important;
    gap: 8px !important;
    overflow: visible !important;
  }

  /* Kill desktop nav */
  .nav-links, .nav-links *,
  .nav-dropdown, .nav-dropdown *,
  .dropdown-menu, .dropdown-menu * {
    display: none !important;
    visibility: hidden !important;
    pointer-events: none !important;
  }

  /* FIX 1c: Hamburger — fully rendered, never clipped */
  .hamburger {
    display: -webkit-flex !important;
    display: flex !important;
    flex-direction: column !important;
    justify-content: center !important;
    align-items: center !important;
    flex-shrink: 0 !important;
    flex-grow: 0 !important;
    width: 44px !important;
    height: 44px !important;
    min-width: 44px !important;
    min-height: 44px !important;
    padding: 0 !important;
    gap: 0 !important;
    background: none !important;
    border: none !important;
    overflow: visible !important;
    visibility: visible !important;
    opacity: 1 !important;
    pointer-events: auto !important;
    cursor: pointer !important;
    -webkit-tap-highlight-color: transparent !important;
    position: relative !important;
    z-index: 10 !important;
    box-sizing: content-box !important;
  }

  /* Spans via margin (not gap) — works on all mobile browsers */
  .hamburger span {
    display: block !important;
    width: 22px !important;
    height: 2px !important;
    border-radius: 2px !important;
    background: rgba(255,255,255,.9) !important;
    flex-shrink: 0 !important;
    transform-origin: center !important;
    transition: transform .28s ease, opacity .2s ease, background .25s ease !important;
    margin: 0 !important;
    padding: 0 !important;
    pointer-events: none !important;
    box-sizing: content-box !important;
  }
  .hamburger span:nth-child(1) { margin-bottom: 5px !important; }
  .hamburger span:nth-child(2) { margin-bottom: 5px !important; }

  /* Dark spans when scrolled or on light-bg pages */
  .navbar.scrolled .hamburger span,
  .hamburger.always-dark span { background: var(--primary) !important; }

  /* X animation when open */
  .hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg) !important; }
  .hamburger.open span:nth-child(2) { opacity: 0 !important; transform: scaleX(0) !important; }
  .hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg) !important; }

  /* Nav container: no clipping, tight padding */
  .nav-container {
    padding: 0 14px !important;
    overflow: visible !important;
    flex-wrap: nowrap !important;
    gap: 0 !important;
  }
}

/* ── ≤ 400px ────────────────────────────────────────────────── */
@media (max-width: 400px) {
  .nav-logo-img { height: 30px !important; max-width: 115px !important; }
  .nav-cta      { font-size: 10px !important; padding: 6px 8px !important; white-space: nowrap; }
  .hamburger    { width: 40px !important; height: 40px !important; min-width: 40px !important; }
  .hamburger span { width: 20px !important; }
  .nav-container { padding: 0 10px !important; }
}

/* ── ≤ 360px: Hide Apply Now — only hamburger in nav-right ─── */
@media (max-width: 360px) {
  .nav-cta { display: none !important; }
  .nav-logo-img { max-width: 160px !important; }
}