/* ============================================================
   Trust India Finserv — Main Design System
   Colors:
     White:        #FFFFFF
     Navy Blue:    #002A66
     Dark Blue:    #001F4D
     Metallic Gold:#D99A00
============================================================ */

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

/* ── CSS Variables (Logo-Matched Brand Colors) ────────────── */
:root {
    --white:        #FFFFFF;
    --navy:         #002A66;
    --navy-deep:    #00173D;
    --navy-light:   #0A3C8A;
    --dark-blue:    #001F4D;
    --gold:         #D4AF37;
    --gold-light:   #F3C043;
    --gold-dark:    #B8860B;
    --gold-shine:   #FDE08B;
    --gold-gradient: linear-gradient(135deg, #B8860B 0%, #D4AF37 45%, #F3C043 85%, #E5A922 100%);
    --navy-gradient: linear-gradient(135deg, #00173D 0%, #002A66 55%, #0A3A7D 100%);
    --gray-50:      #F8FAFC;
    --gray-100:     #F1F5F9;
    --gray-200:     #E2E8F0;
    --gray-400:     #94A3B8;
    --gray-600:     #475569;
    --gray-800:     #1E293B;
    --text-body:    #2D3561;
    --shadow-sm:    0 2px 8px rgba(0, 42, 102, 0.06);
    --shadow-md:    0 6px 20px rgba(0, 42, 102, 0.10);
    --shadow-lg:    0 14px 35px rgba(0, 42, 102, 0.14);
    --shadow-gold:  0 6px 20px rgba(212, 175, 55, 0.35);
    --radius-sm:    8px;
    --radius-md:    14px;
    --radius-lg:    22px;
    --radius-xl:    32px;
    --radius-full:  9999px;
    --transition:   all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --font-main:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
    --font-head:    'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}

/* ── Reset & Base ────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: auto; font-size: 16px; }

body {
    font-family: var(--font-main);
    font-weight: 400;
    color: var(--text-body);
    background: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
}

a { text-decoration: none; color: inherit; transition: var(--transition); }
img { max-width: 100%; height: auto; display: block; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: var(--font-main); }
input, textarea, select, optgroup {
    font-family: var(--font-main);
    font-size: 1rem;
    outline: none;
}

/* ── Container ───────────────────────────────────────────── */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}
.container-wide { max-width: 1400px; margin: 0 auto; padding: 0 24px; }

/* ── Section Spacing ─────────────────────────────────────── */
.section { padding: 80px 0; }
.section-sm { padding: 50px 0; }
.section-lg { padding: 110px 0; }

/* ── Typography ──────────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-head);
    font-weight: 700;
    line-height: 1.25;
    color: var(--dark-blue);
}
h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.75rem); }
h4 { font-size: 1.2rem; }
h5 { font-size: 1rem; }

.text-gold  { color: var(--gold) !important; }
.text-navy  { color: var(--navy) !important; }
.text-white { color: var(--white) !important; }
.text-center { text-align: center; }

/* Section Title Styles (Andromeda-inspired) */
.section-title {
    font-family: var(--font-head);
    font-size: clamp(1.6rem, 3vw, 2.4rem);
    font-weight: 800;
    color: var(--dark-blue);
    position: relative;
    padding-bottom: 16px;
    margin-bottom: 8px;
}
.section-title::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0;
    width: 60px; height: 4px;
    background: var(--gold);
    border-radius: var(--radius-full);
    transition: var(--transition);
}
.section-title.centered::after { left: 50%; transform: translateX(-50%); }
.section-subtitle {
    font-size: 1.05rem;
    color: var(--gray-600);
    margin-bottom: 48px;
    max-width: 600px;
}
.section-subtitle.centered { margin-left: auto; margin-right: auto; text-align: center; }

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 13px 32px;
    border-radius: var(--radius-full);
    font-family: var(--font-head);
    font-weight: 700;
    font-size: 0.95rem;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    transition: var(--transition);
    cursor: pointer;
    border: 2px solid transparent;
}
.btn-gold {
    background: var(--gold-gradient);
    color: var(--white);
    box-shadow: var(--shadow-gold);
    border: none;
}
.btn-gold:hover {
    background: var(--navy-gradient);
    transform: translateY(-3px);
    box-shadow: 0 10px 28px rgba(0, 42, 102, 0.35);
    color: var(--white);
}
.btn-navy {
    background: var(--navy-gradient);
    color: var(--white);
    box-shadow: var(--shadow-md);
    border: none;
}
.btn-navy:hover {
    background: var(--gold-gradient);
    transform: translateY(-3px);
    box-shadow: 0 10px 28px rgba(212, 175, 55, 0.4);
    color: var(--white);
}
.btn-outline-gold {
    background: transparent;
    color: var(--gold);
    border: 2px solid var(--gold);
}
.btn-outline-gold:hover {
    background: var(--gold-gradient);
    color: var(--white);
    border-color: transparent;
    box-shadow: var(--shadow-gold);
    transform: translateY(-2px);
}
.btn-outline-white {
    background: transparent;
    color: var(--white);
    border-color: rgba(255,255,255,0.6);
}
.btn-outline-white:hover {
    background: var(--white);
    color: var(--navy);
}
.btn-lg { padding: 16px 44px; font-size: 1.05rem; }
.btn-sm { padding: 9px 22px; font-size: 0.85rem; }

/* ── Header & Navigation ─────────────────────────────────── */
#site-header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: var(--white);
    box-shadow: none;
    transition: var(--transition);
}
#site-header.scrolled {
    box-shadow: 0 2px 20px rgba(0, 42, 102, 0.1);
}
.navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 14px 0;
    gap: 20px;
}

/* Logo */
.navbar-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    flex-shrink: 0;
}
.logo-emblem {
    width: 54px;
    height: 54px;
    position: relative;
    flex-shrink: 0;
}
.logo-emblem svg { width: 100%; height: 100%; }
.logo-text { 
    display: flex;
    flex-direction: column;
    line-height: 1.15;
}
.logo-name {
    font-family: var(--font-head);
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--dark-blue);
    letter-spacing: 0.5px;
    line-height: 1.15;
}
.logo-name span { color: var(--gold); }
.logo-tagline {
    font-size: 0.62rem;
    font-weight: 700;
    color: var(--gold);
    letter-spacing: 2.2px;
    text-transform: uppercase;
    display: block;
    text-align: center;
    margin-top: 1px;
}
.logo-sub {
    font-size: 0.6rem;
    color: var(--gray-400);
    letter-spacing: 1px;
    font-style: italic;
    display: block;
}

/* Nav Menu */
.nav-menu {
    display: flex;
    align-items: center;
    gap: 4px;
}
.nav-item { position: relative; }
.nav-link {
    font-family: var(--font-main);
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--dark-blue);
    padding: 8px 14px;
    border-radius: var(--radius-sm);
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 4px;
    white-space: nowrap;
}
.nav-link:hover, .nav-link.active {
    color: var(--gold);
    background: rgba(217, 154, 0, 0.06);
}

/* Dropdown */
.dropdown-menu {
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    min-width: 220px;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--gray-100);
    padding: 8px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: var(--transition);
    z-index: 200;
}
.nav-item:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.dropdown-menu a {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 14px;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-body);
    border-radius: var(--radius-sm);
    transition: var(--transition);
}
.dropdown-menu a:hover {
    background: rgba(0, 42, 102, 0.06);
    color: var(--navy);
    padding-left: 18px;
}
.dropdown-menu a .dm-icon {
    width: 28px; height: 28px;
    background: rgba(217, 154, 0, 0.1);
    border-radius: 6px;
    display: flex; align-items: center; justify-content: center;
    color: var(--gold);
    font-size: 0.75rem;
    flex-shrink: 0;
}

.nav-cta {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-left: 12px;
}

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

/* ── HERO SECTION ────────────────────────────────────────── */
.hero {
    background: linear-gradient(135deg, #F5F7FF 0%, #EEF3FF 40%, #F8F6FF 100%);
    min-height: auto;
    display: flex;
    align-items: center;
    padding-top: 76px;
    padding-bottom: 24px;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    top: -100px; right: -100px;
    width: 600px; height: 600px;
    background: radial-gradient(circle, rgba(217,154,0,0.08) 0%, transparent 70%);
    pointer-events: none;
}
.hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: center;
    min-height: auto;
    padding: 20px 0 28px;
}
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(217, 154, 0, 0.12);
    border: 1px solid rgba(217, 154, 0, 0.3);
    color: var(--gold-dark);
    padding: 5px 14px;
    border-radius: var(--radius-full);
    font-size: 0.76rem;
    font-weight: 700;
    letter-spacing: 0.8px;
    text-transform: uppercase;
    margin-bottom: 12px;
}
.hero-badge span { width: 6px; height: 6px; background: var(--gold); border-radius: 50%; }
.hero-headline {
    font-family: var(--font-head);
    font-weight: 900;
    line-height: 1.1;
    margin-bottom: 14px;
}
.hero-headline .line1 {
    font-size: clamp(2.4rem, 5vw, 3.8rem);
    color: var(--dark-blue);
    display: block;
}
.hero-headline .line2 {
    font-size: clamp(2.4rem, 5vw, 3.8rem);
    color: var(--gold);
    display: block;
    position: relative;
}
.hero-features {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-bottom: 32px;
}
.hero-features p {
    font-size: 1.05rem;
    color: var(--gray-600);
    font-weight: 500;
}
.hero-features p strong {
    color: var(--dark-blue);
}
.hero-features .feat-divider {
    color: var(--gold);
    margin: 0 10px;
}
.hero-actions {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
}
.hero-phone-cta {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.9rem;
    color: var(--dark-blue);
    font-weight: 600;
}
.hero-phone-cta .phone-icon {
    width: 38px; height: 38px;
    background: var(--navy);
    border-radius: var(--radius-full);
    display: flex; align-items: center; justify-content: center;
    color: var(--white);
    font-size: 0.9rem;
    flex-shrink: 0;
}

/* Hero Image */
.hero-image {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}
.hero-img-wrap {
    position: relative;
    width: 100%;
    max-width: 500px;
}
.hero-img-main {
    width: 100%;
    border-radius: var(--radius-xl);
    position: relative;
    z-index: 2;
}
.hero-img-bg-blob {
    position: absolute;
    top: -30px; right: -30px;
    width: 90%; height: 90%;
    background: linear-gradient(135deg, rgba(0,42,102,0.08), rgba(217,154,0,0.12));
    border-radius: 40% 60% 70% 30% / 40% 50% 60% 50%;
    animation: blobPulse 6s ease-in-out infinite;
    z-index: 1;
}
@keyframes blobPulse {
    0%, 100% { border-radius: 40% 60% 70% 30% / 40% 50% 60% 50%; }
    50% { border-radius: 60% 40% 30% 70% / 60% 30% 70% 40%; }
}
/* Floating stat badges on hero image */
.hero-float-badge {
    position: absolute;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    padding: 12px 18px;
    z-index: 10;
    display: flex;
    align-items: center;
    gap: 10px;
    animation: floatBadge 3s ease-in-out infinite;
}
@keyframes floatBadge {
    0%, 100% { transform: translateY(0); }
    50%       { transform: translateY(-8px); }
}
.hero-float-badge:nth-child(2) { animation-delay: 1s; }
.hero-float-badge:nth-child(3) { animation-delay: 2s; }
.hero-float-badge.top-left    { top: 40px; left: -20px; }
.hero-float-badge.bottom-right{ bottom: 40px; right: -20px; }
.hero-float-badge .badge-icon {
    width: 36px; height: 36px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    color: var(--white);
    font-size: 1rem;
    flex-shrink: 0;
}
.hero-float-badge .badge-text strong {
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--dark-blue);
    display: block;
}
.hero-float-badge .badge-text span {
    font-size: 0.72rem;
    color: var(--gray-400);
    font-weight: 500;
    white-space: nowrap;
}

/* ── Stats Bar (Dark Luxury Trust Strip) ──────────────────── */
.stats-bar {
    background: linear-gradient(135deg, #00122e 0%, #002255 50%, #00183d 100%) !important;
    border-top: 1px solid rgba(217, 154, 0, 0.35) !important;
    border-bottom: 1px solid rgba(217, 154, 0, 0.25) !important;
    box-shadow: 0 12px 35px rgba(0, 20, 50, 0.35) !important;
    padding: 30px 0 !important;
    position: relative;
    overflow: hidden;
}
.stats-grid {
    display: grid !important;
    grid-template-columns: repeat(4, 1fr) !important;
    gap: 16px !important;
}
.stat-item {
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 14px !important;
    background: rgba(255, 255, 255, 0.04) !important;
    border: 1px solid rgba(255, 255, 255, 0.08) !important;
    border-radius: 16px !important;
    padding: 16px 18px !important;
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1) !important;
    opacity: 1 !important;
    visibility: visible !important;
}
.stat-item:hover {
    background: rgba(255, 255, 255, 0.08) !important;
    border-color: rgba(217, 154, 0, 0.45) !important;
    transform: translateY(-3px) !important;
    box-shadow: 0 10px 24px rgba(0, 0, 0, 0.25), 0 0 15px rgba(217, 154, 0, 0.15) !important;
}
.stat-icon-wrap {
    width: 46px !important;
    height: 46px !important;
    border-radius: 12px !important;
    background: linear-gradient(135deg, rgba(217, 154, 0, 0.22), rgba(217, 154, 0, 0.06)) !important;
    border: 1px solid rgba(217, 154, 0, 0.35) !important;
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    color: #F0B429 !important;
    font-size: 1.2rem !important;
    flex-shrink: 0 !important;
    box-shadow: 0 4px 12px rgba(217, 154, 0, 0.15) !important;
}
.stat-body {
    display: flex !important;
    flex-direction: column !important;
    text-align: left !important;
}
.stat-number {
    font-family: var(--font-head) !important;
    font-size: clamp(1.45rem, 2.2vw, 1.85rem) !important;
    font-weight: 900 !important;
    color: #FFFFFF !important;
    line-height: 1.1 !important;
    margin-bottom: 3px !important;
    letter-spacing: -0.5px !important;
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.4) !important;
    opacity: 1 !important;
    visibility: visible !important;
}
.stat-number span { color: #F0B429 !important; }
.stat-label {
    font-size: 0.72rem !important;
    font-weight: 700 !important;
    color: #CBD5E1 !important;
    letter-spacing: 1.2px !important;
    text-transform: uppercase !important;
    line-height: 1.2 !important;
    opacity: 1 !important;
    visibility: visible !important;
}

/* ── Quick Action Cards Strip (Urban Money inspired) ──────── */
.quick-cards {
    background: var(--gray-50);
    padding: 40px 0;
    border-bottom: 1px solid var(--gray-100);
}
.quick-cards-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}
.quick-card {
    background: var(--white);
    border: 1px solid var(--gray-100);
    border-radius: var(--radius-md);
    padding: 24px 20px;
    text-align: center;
    transition: var(--transition);
    cursor: pointer;
    position: relative;
    overflow: hidden;
    text-decoration: none;
    display: block;
}
.quick-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--navy), var(--gold));
    transform: scaleX(0);
    transition: var(--transition);
}
.quick-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--gold); }
.quick-card:hover::before { transform: scaleX(1); }
.quick-card-tag {
    display: inline-block;
    background: rgba(217,154,0,0.1);
    color: var(--gold-dark);
    font-size: 0.65rem;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    padding: 3px 10px;
    border-radius: var(--radius-full);
    margin-bottom: 14px;
}
.quick-card-icon {
    width: 56px; height: 56px;
    background: linear-gradient(135deg, rgba(0,42,102,0.06), rgba(217,154,0,0.1));
    border-radius: var(--radius-md);
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 14px;
    font-size: 1.4rem;
    color: var(--navy);
    transition: var(--transition);
}
.quick-card:hover .quick-card-icon { background: linear-gradient(135deg, var(--navy), var(--gold)); color: var(--white); }
.quick-card h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--dark-blue);
    margin-bottom: 6px;
}
.quick-card p {
    font-size: 0.8rem;
    color: var(--gray-400);
    line-height: 1.4;
    margin-bottom: 14px;
}
.quick-card .card-cta {
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
}

/* ── Loan Category Cards Grid (Andromeda inspired) ────────── */
.loan-cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.loan-card {
    background: var(--white);
    border: 1px solid rgba(0, 42, 102, 0.12);
    border-radius: var(--radius-md);
    padding: 36px 24px;
    text-align: center;
    transition: border 0.3s ease, box-shadow 0.3s ease, transform 0.3s ease;
    box-shadow: 0 6px 20px rgba(0,0,0,0.05);
    cursor: pointer;
    text-decoration: none;
    display: block;
    position: relative;
    overflow: hidden;
}
.loan-card:hover {
    border: 2px solid var(--gold);
    box-shadow: var(--shadow-lg);
    transform: translateY(-6px);
}
.loan-card-icon {
    width: 70px; height: 70px;
    background: linear-gradient(135deg, rgba(0,42,102,0.08), rgba(217,154,0,0.12));
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 18px;
    font-size: 1.6rem;
    color: var(--navy);
    transition: var(--transition);
}
.loan-card:hover .loan-card-icon {
    background: linear-gradient(135deg, var(--navy), var(--gold));
    color: var(--white);
}
.loan-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--dark-blue);
    margin-bottom: 10px;
    min-height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.loan-card p {
    font-size: 0.85rem;
    color: var(--gray-400);
    line-height: 1.5;
}
.loan-card .card-rate {
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--gold);
    margin-top: 12px;
}

/* ── Hexagon Features (Andromeda inspired) ────────────────── */
.hexy-section { background: var(--navy); }
.hexy-section .section-title,
.hexy-section .section-subtitle { color: var(--white); }
.hexy-section .section-title::after { background: var(--gold); }
.hex-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 24px;
    margin-top: 48px;
}
.hex-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    max-width: 180px;
    padding: 24px 16px;
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(217,154,0,0.2);
    border-radius: var(--radius-md);
    transition: var(--transition);
}
.hex-item:hover {
    background: rgba(217,154,0,0.12);
    border-color: var(--gold);
    transform: translateY(-4px);
}
.hex-icon {
    width: 64px; height: 64px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem;
    color: var(--white);
    margin-bottom: 14px;
    box-shadow: var(--shadow-gold);
}
.hex-item h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 6px;
}
.hex-item p {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.6);
    line-height: 1.4;
}

/* ── EMI Calculator Section ──────────────────────────────── */
.calculator-section { background: var(--gray-50); }
.calculator-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    display: grid;
    grid-template-columns: 1fr 1fr;
}
.calc-form {
    padding: 50px 40px;
}
.calc-form h3 {
    font-size: 1.5rem;
    color: var(--dark-blue);
    margin-bottom: 30px;
}
.calc-field { margin-bottom: 28px; }
.calc-field label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--dark-blue);
    margin-bottom: 10px;
}
.calc-field label .value-display {
    font-size: 1rem;
    font-weight: 800;
    color: var(--gold);
}
input[type="range"] {
    -webkit-appearance: none;
    width: 100%;
    height: 5px;
    background: linear-gradient(to right, var(--gold) 0%, var(--gray-200) 0%);
    border-radius: var(--radius-full);
    outline: none;
}
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px; height: 20px;
    background: var(--white);
    border: 3px solid var(--gold);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: var(--shadow-gold);
    transition: var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover {
    background: var(--gold);
    transform: scale(1.2);
}
.calc-select {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    color: var(--dark-blue);
    background: var(--white);
    cursor: pointer;
}
.calc-select:focus { border-color: var(--gold); }
.calc-result {
    background: linear-gradient(135deg, var(--navy) 0%, var(--dark-blue) 100%);
    padding: 50px 40px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    color: var(--white);
}
.calc-result-title {
    font-size: 1rem;
    font-weight: 600;
    opacity: 0.7;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 8px;
}
.calc-emi-amount {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 900;
    font-family: var(--font-head);
    color: var(--gold);
    margin-bottom: 6px;
}
.calc-emi-label { font-size: 0.85rem; opacity: 0.6; margin-bottom: 36px; }
.calc-breakdown {
    display: flex;
    flex-direction: column;
    gap: 14px;
}
.breakdown-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}
.breakdown-row:last-child { border-bottom: none; }
.breakdown-row span:first-child { font-size: 0.85rem; opacity: 0.7; }
.breakdown-row span:last-child { font-weight: 700; font-size: 1rem; }

/* ── Partner Banks Grid ──────────────────────────────────── */
.banks-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 16px;
    margin-top: 40px;
}
.bank-card {
    background: var(--white);
    border: 1.5px solid var(--gray-100);
    border-radius: var(--radius-md);
    padding: 20px 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 90px;
    transition: var(--transition);
    cursor: pointer;
    box-shadow: var(--shadow-sm);
}
.bank-card:hover {
    border-color: var(--gold);
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}
.bank-card img { max-height: 36px; max-width: 100px; object-fit: contain; }
.bank-name {
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--navy);
    text-align: center;
    letter-spacing: 0.5px;
}

/* ── Testimonials ────────────────────────────────────────── */
.testimonials-section { background: var(--gray-50); }
.testimonials-wrap { position: relative; }
.testimonials-slider {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-100);
    transition: var(--transition);
    position: relative;
}
.testimonial-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.testimonial-card::before {
    content: '"';
    font-size: 5rem;
    font-family: Georgia, serif;
    color: rgba(217,154,0,0.15);
    position: absolute;
    top: 12px; left: 20px;
    line-height: 1;
}
.stars {
    color: var(--gold);
    font-size: 0.875rem;
    margin-bottom: 12px;
    letter-spacing: 2px;
}
.testimonial-text {
    font-size: 0.9rem;
    color: var(--gray-600);
    line-height: 1.65;
    margin-bottom: 20px;
    font-style: italic;
}
.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
}
.author-avatar {
    width: 46px; height: 46px;
    background: linear-gradient(135deg, var(--navy), var(--gold));
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-weight: 800;
    font-size: 1rem;
    color: var(--white);
    flex-shrink: 0;
}
.author-info strong {
    font-size: 0.9rem;
    color: var(--dark-blue);
    display: block;
    font-weight: 700;
}
.author-info span {
    font-size: 0.78rem;
    color: var(--gray-400);
}

/* ── CIBIL Score Banner ───────────────────────────────────── */
.cibil-banner {
    background: linear-gradient(135deg, var(--dark-blue) 0%, var(--navy) 50%, #003580 100%);
    border-radius: var(--radius-xl);
    padding: 50px 60px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    position: relative;
    overflow: hidden;
    margin: 0 auto;
}
.cibil-banner::before {
    content: '';
    position: absolute;
    top: -60px; right: -60px;
    width: 300px; height: 300px;
    background: radial-gradient(circle, rgba(217,154,0,0.15) 0%, transparent 70%);
}
.cibil-content h3 {
    font-size: clamp(1.3rem, 2.5vw, 1.8rem);
    color: var(--white);
    margin-bottom: 10px;
}
.cibil-content h3 span { color: var(--gold); }
.cibil-content p { color: rgba(255,255,255,0.75); font-size: 0.95rem; }
.cibil-score-widget {
    display: flex;
    align-items: center;
    gap: 20px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: var(--radius-lg);
    padding: 20px 30px;
    flex-shrink: 0;
}
.score-circle {
    width: 80px; height: 80px;
    border-radius: 50%;
    background: conic-gradient(var(--gold) 270deg, rgba(255,255,255,0.1) 0deg);
    display: flex; align-items: center; justify-content: center;
    position: relative;
}
.score-circle::before {
    content: '';
    position: absolute;
    width: 62px; height: 62px;
    background: var(--navy);
    border-radius: 50%;
}
.score-value {
    position: relative;
    z-index: 1;
    font-size: 1.1rem;
    font-weight: 900;
    color: var(--gold);
    font-family: var(--font-head);
}
.score-text strong { font-size: 1.4rem; color: var(--white); display: block; font-family: var(--font-head); }
.score-text span { font-size: 0.78rem; color: rgba(255,255,255,0.5); }

/* ── Why Choose Section ──────────────────────────────────── */
.why-choose { background: var(--white); }
.why-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}
.why-features { display: flex; flex-direction: column; gap: 20px; }
.why-feature {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 20px 24px;
    border-radius: var(--radius-md);
    border: 1px solid transparent;
    transition: var(--transition);
    cursor: default;
}
.why-feature:hover { background: var(--gray-50); border-color: var(--gray-200); }
.why-feature-icon {
    width: 50px; height: 50px;
    background: linear-gradient(135deg, var(--navy), var(--gold));
    border-radius: var(--radius-md);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.2rem;
    color: var(--white);
    flex-shrink: 0;
    box-shadow: var(--shadow-gold);
}
.why-feature-text h4 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--dark-blue);
    margin-bottom: 4px;
}
.why-feature-text p {
    font-size: 0.85rem;
    color: var(--gray-400);
    line-height: 1.5;
}
.why-image {
    position: relative;
    border-radius: var(--radius-xl);
    overflow: hidden;
}

/* ── Process Steps ───────────────────────────────────────── */
.process-section { background: linear-gradient(180deg, #F8FAFD 0%, #EFF5FC 50%, #F8FAFD 100%); }
.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}
.process-grid::before {
    display: none !important;
}

/* ── Blog Cards ──────────────────────────────────────────── */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}
.blog-card {
    background: var(--white);
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-100);
    transition: var(--transition);
    display: block;
    text-decoration: none;
}
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); }
.blog-card-img {
    height: 200px;
    background: linear-gradient(135deg, var(--navy), var(--dark-blue));
    position: relative;
    overflow: hidden;
    display: flex; align-items: center; justify-content: center;
}
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; }
.blog-category-tag {
    position: absolute;
    bottom: 12px; left: 16px;
    background: var(--gold);
    color: var(--white);
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    padding: 4px 10px;
    border-radius: var(--radius-full);
}
.blog-card-body { padding: 22px 24px; }
.blog-card-body h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--dark-blue);
    margin-bottom: 8px;
    line-height: 1.4;
}
.blog-card-body p {
    font-size: 0.82rem;
    color: var(--gray-400);
    line-height: 1.55;
    margin-bottom: 16px;
}
.blog-meta {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 0.75rem;
    color: var(--gray-400);
    border-top: 1px solid var(--gray-100);
    padding-top: 14px;
}
.blog-meta span { display: flex; align-items: center; gap: 5px; }
.blog-read-more { font-size: 0.82rem; font-weight: 700; color: var(--gold); margin-left: auto; }

/* ── Popup Modal ─────────────────────────────────────────── */
.popup-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0, 31, 77, 0.75);
    backdrop-filter: blur(6px);
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: all 0.35s ease;
}
.popup-overlay.active { opacity: 1; visibility: visible; }
.popup-modal {
    background: var(--white);
    border-radius: var(--radius-xl);
    width: 92%;
    max-width: 520px;
    max-height: 92vh;
    overflow-y: auto;
    position: relative;
    box-shadow: 0 30px 80px rgba(0,0,0,0.3);
    transform: scale(0.9) translateY(30px);
    transition: all 0.35s cubic-bezier(0.34, 1.56, 0.64, 1);
    animation: none;
}
.popup-overlay.active .popup-modal {
    transform: scale(1) translateY(0);
}
.popup-header {
    background: linear-gradient(135deg, var(--dark-blue), var(--navy));
    padding: 28px 32px 24px;
    border-radius: var(--radius-xl) var(--radius-xl) 0 0;
    position: relative;
}
.popup-header h3 {
    font-size: 1.4rem;
    color: var(--white);
    margin-bottom: 4px;
}
.popup-header h3 span { color: var(--gold); }
.popup-header p { color: rgba(255,255,255,0.7); font-size: 0.875rem; }
.popup-close {
    position: absolute;
    top: 16px; right: 18px;
    width: 32px; height: 32px;
    background: rgba(255,255,255,0.15);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: var(--white);
    font-size: 1.1rem;
    cursor: pointer;
    transition: var(--transition);
    border: none;
}
.popup-close:hover { background: rgba(255,255,255,0.3); }
.popup-body { padding: 28px 32px 32px; }

/* ── Forms ───────────────────────────────────────────────── */
.form-group { margin-bottom: 18px; }
.form-group label {
    display: block;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--dark-blue);
    margin-bottom: 7px;
}
.form-group label span { color: #e53935; }
.form-control {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    color: var(--text-body);
    background: var(--white);
    transition: var(--transition);
    appearance: none;
}
.form-control:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0,42,102,0.08); }
.form-control.error { border-color: #e53935; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-success {
    display: none;
    text-align: center;
    padding: 30px 20px;
}
.form-success .success-icon {
    width: 64px; height: 64px;
    background: rgba(34,197,94,0.1);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.6rem;
    color: #22c55e;
}
.form-success h4 { color: var(--dark-blue); margin-bottom: 8px; }
.form-success p { font-size: 0.875rem; color: var(--gray-400); }

/* ── Floating CTA Bar ────────────────────────────────────── */
.floating-cta {
    position: fixed;
    bottom: 24px; right: 24px;
    z-index: 9990;
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.float-btn {
    width: 56px; height: 56px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem;
    color: var(--white);
    box-shadow: 0 8px 24px rgba(0,0,0,0.2);
    transition: var(--transition);
    text-decoration: none;
    position: relative;
}
.float-btn:hover { transform: scale(1.12); }
.float-btn.whatsapp { background: #25D366; }
.float-btn.phone    { background: var(--navy); }
.float-btn-label {
    position: absolute;
    right: 66px;
    background: var(--dark-blue);
    color: var(--white);
    font-size: 0.72rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: var(--radius-full);
    white-space: nowrap;
    opacity: 0;
    transform: translateX(8px);
    transition: var(--transition);
    pointer-events: none;
}
.float-btn:hover .float-btn-label { opacity: 1; transform: translateX(0); }

/* ── Footer ──────────────────────────────────────────────── */
#site-footer {
    background: linear-gradient(135deg, var(--dark-blue) 0%, var(--navy) 100%);
    padding: 70px 0 0;
    color: rgba(255,255,255,0.75);
}
.footer-grid {
    display: grid;
    grid-template-columns: 1.8fr 1.1fr 1.1fr;
    gap: 50px;
    padding-bottom: 50px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand-tagline {
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--gold);
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin: 10px 0;
}
.footer-desc {
    font-size: 0.875rem;
    line-height: 1.7;
    color: rgba(255,255,255,0.6);
    margin-bottom: 20px;
}
.footer-socials {
    display: flex;
    gap: 10px;
}
.social-link {
    width: 36px; height: 36px;
    background: rgba(255,255,255,0.08);
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    color: rgba(255,255,255,0.7);
    font-size: 0.9rem;
    transition: var(--transition);
    text-decoration: none;
}
.social-link:hover { background: var(--gold); color: var(--white); }
.footer-col h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 18px;
    position: relative;
    padding-bottom: 10px;
}
.footer-col h4::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0;
    width: 30px; height: 2px;
    background: var(--gold);
    border-radius: 2px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.6);
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
}
.footer-links a::before {
    content: '→';
    color: var(--gold);
    font-size: 0.75rem;
    opacity: 0;
    transition: var(--transition);
}
.footer-links a:hover { color: var(--white); padding-left: 8px; }
.footer-links a:hover::before { opacity: 1; }
.footer-contact-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 14px;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.65);
}
.footer-contact-item .fc-icon {
    width: 32px; height: 32px;
    background: rgba(217,154,0,0.15);
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    color: var(--gold);
    font-size: 0.85rem;
    flex-shrink: 0;
    margin-top: 1px;
}
.footer-bottom {
    padding: 20px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 0.8rem;
    color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--gold); }

/* ── Page Banner (Inner Pages) ───────────────────────────── */
.page-banner {
    background: linear-gradient(135deg, var(--dark-blue) 0%, var(--navy) 70%, rgba(0,53,128,0.9) 100%);
    padding: 120px 0 60px;
    position: relative;
    overflow: hidden;
    margin-top: 82px;
}
.page-banner::before {
    content: '';
    position: absolute;
    bottom: -40px; right: -40px;
    width: 350px; height: 350px;
    background: radial-gradient(circle, rgba(217,154,0,0.12) 0%, transparent 70%);
}
.page-banner h1 {
    font-size: clamp(2rem, 4vw, 2.8rem);
    color: var(--white);
    margin-bottom: 12px;
}
.page-banner h1 span { color: var(--gold); }
.page-banner p { color: rgba(255,255,255,0.7); font-size: 1rem; max-width: 600px; }
.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 16px;
    font-size: 0.82rem;
}
.breadcrumb a { color: rgba(255,255,255,0.6); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: var(--gold); }
.breadcrumb .sep { color: rgba(255,255,255,0.3); }

/* ── Loan Product Tab Nav (Inner pages) ──────────────────── */
.loan-tabs-nav {
    display: flex;
    gap: 4px;
    background: var(--gray-50);
    border-radius: var(--radius-md);
    padding: 6px;
    border: 1px solid var(--gray-200);
    flex-wrap: wrap;
    margin-bottom: 40px;
}
.loan-tab-btn {
    flex: 1;
    min-width: 140px;
    padding: 12px 16px;
    border-radius: var(--radius-sm);
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--gray-600);
    text-align: center;
    cursor: pointer;
    transition: var(--transition);
    background: transparent;
    border: none;
    white-space: nowrap;
}
.loan-tab-btn:hover { color: var(--navy); background: var(--white); }
.loan-tab-btn.active {
    background: var(--navy);
    color: var(--white);
    box-shadow: var(--shadow-sm);
}
.loan-tab-content { display: none; }
.loan-tab-content.active { display: block; animation: fadeSlideIn 0.4s ease; }
@keyframes fadeSlideIn {
    from { opacity: 0; transform: translateY(10px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* Loan product detail card */
.loan-detail-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start;
}
.loan-detail-list { display: flex; flex-direction: column; gap: 14px; margin: 20px 0; }
.loan-detail-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 0.9rem;
    color: var(--gray-600);
    line-height: 1.5;
}
.loan-detail-list li .check {
    width: 22px; height: 22px;
    background: rgba(217,154,0,0.12);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: var(--gold);
    font-size: 0.7rem;
    flex-shrink: 0;
    margin-top: 1px;
}
.loan-info-card {
    background: linear-gradient(135deg, var(--navy), var(--dark-blue));
    border-radius: var(--radius-lg);
    padding: 32px;
    color: var(--white);
}
.loan-info-card h4 { color: var(--gold); margin-bottom: 20px; font-size: 1rem; }
.loan-info-row {
    display: flex;
    justify-content: space-between;
    padding: 12px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    font-size: 0.875rem;
}
.loan-info-row:last-child { border-bottom: none; }
.loan-info-row span:first-child { color: rgba(255,255,255,0.6); }
.loan-info-row span:last-child { font-weight: 700; color: var(--gold-light); }

/* ── Alerts / Notice Boxes ───────────────────────────────── */
.alert {
    padding: 14px 18px;
    border-radius: var(--radius-sm);
    font-size: 0.875rem;
    font-weight: 500;
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
    border-left: 4px solid;
}
.alert-gold { background: rgba(217,154,0,0.08); border-color: var(--gold); color: var(--gold-dark); }
.alert-navy { background: rgba(0,42,102,0.08); border-color: var(--navy); color: var(--navy); }
.alert-success { background: rgba(34,197,94,0.08); border-color: #22c55e; color: #15803d; }
.alert-error { background: rgba(229,57,53,0.08); border-color: #e53935; color: #c62828; }

/* ── Utility Classes ─────────────────────────────────────── */
.mt-0  { margin-top: 0; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-0  { margin-bottom: 0; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }
.d-flex { display: flex; }
.align-center { align-items: center; }
.justify-center { justify-content: center; }
.justify-between { justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }
.gap-8  { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.w-100  { width: 100%; }
.text-right { text-align: right; }
.font-bold   { font-weight: 700; }
.font-light  { font-weight: 300; }
.bg-gray     { background: var(--gray-50); }
.bg-navy     { background: var(--navy); }
.bg-dark     { background: var(--dark-blue); }
.rounded     { border-radius: var(--radius-md); }
.shadow      { box-shadow: var(--shadow-md); }
.hidden      { display: none; }

/* ── Responsive Design ───────────────────────────────────── */
@media (max-width: 1100px) {
    .banks-grid { grid-template-columns: repeat(4, 1fr); }
}
@media (max-width: 992px) {
    .nav-menu, .nav-cta { display: none; }
    .hamburger { display: flex; }
    .hero-inner { grid-template-columns: 1fr; gap: 20px; text-align: center; padding: 12px 0 20px; }
    .hero-actions { justify-content: center; }
    .hero-image { display: none; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .stat-item:nth-child(2) { border-right: none; }
    .quick-cards-grid { grid-template-columns: repeat(2, 1fr); }
    .loan-cards-grid { grid-template-columns: repeat(2, 1fr); }
    .calculator-card { grid-template-columns: 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .why-image { display: none; }
    .process-grid { grid-template-columns: repeat(2, 1fr); }
    .process-grid::before { display: none; }
    .testimonials-slider { grid-template-columns: 1fr; }
    .blog-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
    .loan-detail-grid { grid-template-columns: 1fr; }
    .cibil-banner { flex-direction: column; text-align: center; padding: 40px 30px; }
}
@media (max-width: 768px) {
    .section { padding: 60px 0; }
    .quick-cards-grid { grid-template-columns: repeat(2, 1fr); }
    .loan-cards-grid { grid-template-columns: 1fr 1fr; }
    .banks-grid { grid-template-columns: repeat(3, 1fr); }
    .blog-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 24px; }
    .footer-bottom { flex-direction: column; text-align: center; }
    .loan-tabs-nav { flex-direction: column; }
    .loan-tab-btn { text-align: left; min-width: auto; }
    .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
    .quick-cards-grid { grid-template-columns: 1fr 1fr; }
    .loan-cards-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .process-grid { grid-template-columns: 1fr; }
    .banks-grid { grid-template-columns: repeat(2, 1fr); }
    .hero-headline .line1, .hero-headline .line2 { font-size: 2.2rem; }
    .floating-cta { display: none !important; }
    .float-btn { width: 50px; height: 50px; font-size: 1.2rem; }
}

/* ── Mobile Nav Drawer ───────────────────────────────────── */
.mobile-nav {
    position: fixed;
    top: 0; right: 0;
    width: 300px; height: 100vh;
    background: var(--dark-blue);
    z-index: 2000;
    transform: translateX(100%);
    transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    overflow-y: auto;
    padding: 24px 0;
}
.mobile-nav.open { transform: translateX(0); }
.mobile-nav-overlay {
    position: fixed; inset: 0;
    background: rgba(0,0,0,0.5);
    z-index: 1999;
    opacity: 0; visibility: hidden;
    transition: var(--transition);
}
.mobile-nav-overlay.open { opacity: 1; visibility: visible; }
.mobile-nav-header {
    padding: 0 24px 20px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.mobile-nav-close {
    color: var(--white);
    font-size: 1.4rem;
    cursor: pointer;
    background: rgba(255,255,255,0.1);
    border: none;
    width: 36px; height: 36px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
}
.mobile-nav-links { padding: 16px 0; }
.mobile-nav-links a {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 14px 24px;
    font-size: 0.95rem;
    font-weight: 600;
    color: rgba(255,255,255,0.8);
    text-decoration: none;
    transition: var(--transition);
    border-left: 3px solid transparent;
}
.mobile-nav-links a:hover, .mobile-nav-links a.active {
    color: var(--gold);
    border-left-color: var(--gold);
    background: rgba(217,154,0,0.08);
}
.mobile-nav-cta { padding: 20px 24px; }

/* ── Scroll to Top ───────────────────────────────────────── */
#scrollTop {
    position: fixed;
    bottom: 90px; right: 24px;
    width: 42px; height: 42px;
    background: var(--navy);
    color: var(--white);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1rem;
    cursor: pointer;
    z-index: 9000;
    opacity: 0; visibility: hidden;
    transition: var(--transition);
    box-shadow: var(--shadow-md);
    border: none;
}
#scrollTop.show { opacity: 1; visibility: visible; }
#scrollTop:hover { background: var(--gold); transform: translateY(-2px); }

/* ── Animations ──────────────────────────────────────────── */
.fade-in-up {
    opacity: 1;
    transform: translateY(0);
    transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in-up.animated {
    opacity: 1;
    transform: translateY(0);
}
.stagger-1 { transition-delay: 0.1s; }
.stagger-2 { transition-delay: 0.2s; }
.stagger-3 { transition-delay: 0.3s; }
.stagger-4 { transition-delay: 0.4s; }

/* ── Ultra-Premium Clean 2-Column Hero Section ── */
.home-hero-clean {
    background: #FFFFFF;
    padding: 110px 0 45px;
    position: relative;
    overflow: hidden;
}

.hero-ambient-glow {
    position: absolute;
    border-radius: 50%;
    filter: blur(120px);
    pointer-events: none;
    z-index: 0;
}
.hero-ambient-glow.glow-gold {
    width: 480px;
    height: 480px;
    background: rgba(217, 154, 0, 0.07);
    top: -120px;
    left: -100px;
}
.hero-ambient-glow.glow-blue {
    width: 520px;
    height: 520px;
    background: rgba(0, 31, 77, 0.05);
    bottom: -150px;
    right: -80px;
}

.home-hero-clean .container {
    max-width: 1340px;
    position: relative;
    z-index: 1;
}

.hero-clean-grid {
    display: grid;
    grid-template-columns: 0.95fr 1.25fr;
    gap: 44px;
    align-items: center;
    min-height: 520px;
}

.hero-clean-text {
    max-width: 560px;
}

.hero-top-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(217, 154, 0, 0.1);
    border: 1px solid rgba(217, 154, 0, 0.28);
    color: #001F4D;
    font-size: 0.85rem;
    font-weight: 700;
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: 20px;
    letter-spacing: 0.3px;
}

.badge-pulse-dot {
    width: 8px;
    height: 8px;
    background: #D99A00;
    border-radius: 50%;
    box-shadow: 0 0 0 0 rgba(217, 154, 0, 0.7);
    animation: pulseGoldDot 2s infinite;
}

@keyframes pulseGoldDot {
    0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(217, 154, 0, 0.7); }
    70% { transform: scale(1); box-shadow: 0 0 0 8px rgba(217, 154, 0, 0); }
    100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(217, 154, 0, 0); }
}

.hero-clean-title {
    font-family: 'Poppins', sans-serif;
    font-weight: 900;
    line-height: 1.12;
    margin-bottom: 22px;
}

.hero-clean-title .title-dark {
    display: block;
    color: #001F4D;
    font-size: clamp(2.4rem, 4.4vw, 3.8rem);
    letter-spacing: -0.5px;
    font-weight: 900;
}

.hero-clean-title .title-gold {
    display: block;
    color: #C58B24;
    font-size: clamp(2.4rem, 4.4vw, 3.8rem);
    letter-spacing: -0.5px;
    font-weight: 900;
    background: linear-gradient(135deg, #B8860B 0%, #D4AF37 50%, #B8860B 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.hero-pill-highlights {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px 12px;
    margin-bottom: 30px;
}

.hero-highlight-item {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: clamp(0.95rem, 1.3vw, 1.08rem);
    color: #1F2937;
    font-weight: 600;
}

.hero-highlight-item i {
    color: #B8860B;
    font-size: 0.95rem;
}

.hero-pill-highlights .feat-sep {
    color: #CBD5E1;
    font-weight: bold;
}

.hero-clean-actions {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 28px;
}

.btn-hero-clean-apply {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    background: linear-gradient(135deg, #B8860B 0%, #E6AF2E 50%, #B8860B 100%);
    background-size: 200% auto;
    color: #FFFFFF !important;
    font-family: 'Poppins', sans-serif;
    font-size: 1.05rem;
    font-weight: 800;
    letter-spacing: 1.2px;
    text-transform: uppercase;
    padding: 16px 42px;
    border-radius: 12px;
    border: none;
    box-shadow: 0 10px 28px rgba(184, 134, 11, 0.38);
    transition: all 0.35s ease;
    text-decoration: none;
    cursor: pointer;
}

.btn-hero-clean-apply:hover {
    background-position: right center;
    transform: translateY(-3px);
    box-shadow: 0 16px 36px rgba(184, 134, 11, 0.48);
    color: #FFFFFF !important;
}

.btn-hero-clean-apply .btn-arrow {
    transition: transform 0.3s ease;
}
.btn-hero-clean-apply:hover .btn-arrow {
    transform: translateX(4px);
}

.btn-hero-call {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #001F4D !important;
    background: #F8FAFC;
    border: 1.5px solid #E2E8F0;
    font-size: 0.95rem;
    font-weight: 700;
    padding: 15px 24px;
    border-radius: 12px;
    transition: all 0.3s ease;
    text-decoration: none;
}

.btn-hero-call:hover {
    border-color: #B8860B;
    background: #FFFFFF;
    color: #B8860B !important;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(0, 31, 77, 0.08);
}

.hero-bank-trust-strip {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
    padding-top: 18px;
    border-top: 1px solid #EEF2F6;
    font-size: 0.82rem;
    color: #64748B;
    font-weight: 600;
}

.hero-mini-banks {
    display: inline-flex;
    align-items: center;
    gap: 10px;
}

.hero-mini-banks strong {
    color: #001F4D;
    background: #F1F5F9;
    padding: 2px 8px;
    border-radius: 6px;
    font-size: 0.78rem;
    font-weight: 800;
    letter-spacing: 0.5px;
}

.hero-clean-visual {
    display: flex;
    justify-content: center;
    align-items: center;
    width: 100%;
    position: relative;
}

.hero-clean-img-wrap {
    width: 100%;
    position: relative;
    border-radius: 28px;
    overflow: visible;
}

.hero-clean-img-wrap img {
    width: 100%;
    height: auto;
    min-height: 420px;
    max-height: 540px;
    display: block;
    border-radius: 26px;
    object-fit: cover;
    box-shadow: 0 20px 50px rgba(0, 31, 77, 0.14);
    border: 4px solid #FFFFFF;
    transition: transform 0.5s ease;
}

.hero-clean-img-wrap:hover img {
    transform: scale(1.015);
}

/* Floating Glassmorphism Cards */
.hero-floating-card {
    position: absolute;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    padding: 10px 18px;
    border-radius: 16px;
    box-shadow: 0 12px 30px rgba(0, 31, 77, 0.16);
    border: 1px solid rgba(255, 255, 255, 0.8);
    display: flex;
    align-items: center;
    gap: 12px;
    z-index: 3;
    animation: floatAnimation 4s ease-in-out infinite;
}

.float-card-top {
    top: 20px;
    left: -20px;
}

.float-card-bottom {
    bottom: 25px;
    right: 20px;
    animation-delay: 2s;
}

@keyframes floatAnimation {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-7px); }
}

.float-card-icon {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
}
.float-card-icon.gold-icon {
    background: rgba(217, 154, 0, 0.15);
    color: #D99A00;
}
.float-card-icon.green-icon {
    background: rgba(34, 197, 94, 0.15);
    color: #16A34A;
}

.float-card-text strong {
    display: block;
    color: #001F4D;
    font-size: 0.85rem;
    font-weight: 800;
    line-height: 1.2;
}

.float-card-text small {
    display: block;
    color: #64748B;
    font-size: 0.72rem;
    font-weight: 600;
}

@media (max-width: 1100px) {
    .hero-clean-grid {
        grid-template-columns: 1fr 1.1fr;
        gap: 32px;
    }
    .float-card-top { left: 10px; }
}

@media (max-width: 991px) {
    .home-hero-clean {
        padding: 95px 0 40px;
    }
    .hero-clean-grid {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 40px;
    }
    .hero-clean-text {
        max-width: 100%;
        margin: 0 auto;
    }
    .hero-top-badge {
        margin: 0 auto 18px;
    }
    .hero-pill-highlights {
        justify-content: center;
    }
    .hero-clean-actions {
        justify-content: center;
    }
    .hero-bank-trust-strip {
        justify-content: center;
    }
    .hero-clean-img-wrap img {
        min-height: auto;
    }
    .float-card-top { top: 12px; left: 12px; }
    .float-card-bottom { bottom: 12px; right: 12px; }
}

@media (max-width: 600px) {
    .home-hero-clean {
        padding: 85px 0 30px;
    }
    .hero-floating-card {
        padding: 8px 12px;
    }
    .float-card-icon {
        width: 30px;
        height: 30px;
        font-size: 0.85rem;
    }
    .float-card-text strong { font-size: 0.75rem; }
    .float-card-text small { font-size: 0.65rem; }
}

/* ── Reference Mockup Stats Bar (Clean White Theme) ───────── */
.mockup-stats-bar {
    background: #FFFFFF;
    border-top: 1px solid #E5E7EB;
    border-bottom: 1px solid #E5E7EB;
    padding: 40px 0;
    position: relative;
    z-index: 2;
}
.mockup-stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
}
.mockup-stat-col {
    text-align: center;
    padding: 8px 24px;
    border-right: 1px solid #E5E7EB;
}
.mockup-stat-col:last-child {
    border-right: none;
}
.mockup-stat-num {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(2.2rem, 3.4vw, 2.9rem);
    font-weight: 800;
    color: #001F4D;
    line-height: 1.1;
    margin-bottom: 8px;
    letter-spacing: -0.5px;
}
.mockup-stat-lbl {
    font-size: 0.8rem;
    font-weight: 700;
    color: #4B5563;
    letter-spacing: 1.2px;
    text-transform: uppercase;
}

@media (max-width: 991px) {
    .mockup-hero {
        padding: 95px 0 40px;
    }
    .mockup-hero-inner {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 36px;
    }
    .mockup-hero-content {
        max-width: 100%;
        margin: 0 auto;
    }
    .mockup-hero-subtitle {
        text-align: center;
    }
    .mockup-stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 28px 0;
    }
    .mockup-stat-col:nth-child(2) {
        border-right: none;
    }
}
@media (max-width: 600px) {
    .mockup-hero {
        padding: 85px 0 30px;
    }
    .mockup-stats-grid {
        grid-template-columns: 1fr 1fr;
    }
    .mockup-stat-col {
        padding: 6px 12px;
    }
}