/* ===== FINCRED SOLUTIONS - MAIN STYLESHEET ===== */

/* ===== CSS VARIABLES & THEME ===== */
:root {
  --primary: #1a3a6b;
  --primary-light: #2557a7;
  --primary-dark: #0f2244;
  --gold: #c9962c;
  --gold-light: #e8b84b;
  --gold-pale: #f5e6c0;
  --accent: #1e7fcb;
  --accent-light: #4ca3e0;
  --bg: #f8f9fc;
  --bg2: #eef1f8;
  --bg3: #ffffff;
  --card-bg: #ffffff;
  --text: #1a1f2e;
  --text-sec: #4a5568;
  --text-muted: #718096;
  --border: #dde3ef;
  --shadow: 0 4px 24px rgba(26,58,107,0.10);
  --shadow-lg: 0 12px 48px rgba(26,58,107,0.15);
  --radius: 14px;
  --radius-sm: 8px;
  --header-h: 76px;
  --gradient: linear-gradient(135deg, #1a3a6b 0%, #1e7fcb 50%, #2557a7 100%);
  --gradient-gold: linear-gradient(135deg, #c9962c 0%, #e8b84b 100%);
  --gradient-hero: linear-gradient(135deg, #0f2244 0%, #1a3a6b 40%, #1e5fa0 80%, #1e7fcb 100%);
}

[data-theme="dark"] {
  --bg: #0d1420;
  --bg2: #111827;
  --bg3: #1a2236;
  --card-bg: #1e2d45;
  --text: #e8edf5;
  --text-sec: #a8b8d0;
  --text-muted: #6b80a0;
  --border: #2a3a55;
  --shadow: 0 4px 24px rgba(0,0,0,0.30);
  --shadow-lg: 0 12px 48px rgba(0,0,0,0.40);
  --primary-light: #3a6fcc;
  --gold-pale: #2a2010;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  transition: background 0.3s, color 0.3s;
  overflow-x: hidden;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
h1,h2,h3,h4 { font-family: 'Playfair Display', serif; line-height: 1.25; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.section { padding: 80px 0; }
.section-sm { padding: 50px 0; }

/* ===== HEADER ===== */
header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1100;
  height: var(--header-h);
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center;
  box-shadow: 0 2px 20px rgba(26,58,107,0.08);
  transition: background 0.3s, border-color 0.3s;
}
[data-theme="dark"] header { background: rgba(13,20,32,0.97); }
.header-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  width: 100%;
}
.logo-wrap { display: flex; align-items: center; gap: 12px; cursor: pointer; }
.site-logo-img {
  height: 52px; width: auto; max-width: 260px;
  object-fit: contain; display: block;
  filter: drop-shadow(0 2px 6px rgba(0,0,0,0.08));
  transition: opacity 0.2s;
}
.site-logo-img:hover { opacity: 0.90; }
.footer-logo .site-logo-img {
  height: 46px; width: auto; max-width: 240px;
  background: rgba(255,255,255,0.95);
  padding: 6px 12px;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.25);
}

.logo-icon {
  width: 46px; height: 46px;
  background: var(--gradient);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 14px rgba(26,58,107,0.35);
  flex-shrink: 0;
}
.logo-icon svg { width: 26px; height: 26px; }
.logo-text .brand { font-family: 'Playfair Display', serif; font-size: 1.35rem; font-weight: 700; color: var(--primary); line-height: 1; }
.logo-text .tagline { font-size: 0.68rem; color: var(--gold); font-weight: 600; letter-spacing: 1.5px; text-transform: uppercase; }
[data-theme="dark"] .logo-text .brand { color: #7ab4f0; }

nav { display: flex; align-items: center; gap: 4px; }
.nav-link {
  padding: 8px 14px; border-radius: 8px;
  font-size: 0.88rem; font-weight: 500;
  color: var(--text-sec); cursor: pointer;
  transition: all 0.2s; white-space: nowrap;
  position: relative; display: inline-flex; align-items: center; gap: 4px;
}
.nav-link:hover, .nav-link.active { color: var(--primary); background: var(--bg2); }
[data-theme="dark"] .nav-link:hover, [data-theme="dark"] .nav-link.active { color: #7ab4f0; }
.dropdown-wrap { position: relative; }
.dropdown-menu {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 220px;
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  padding: 8px; display: none; z-index: 200;
}
.dropdown-wrap:hover .dropdown-menu { display: block; }
.dropdown-item {
  padding: 10px 14px; border-radius: 8px;
  font-size: 0.86rem; color: var(--text-sec);
  cursor: pointer; transition: all 0.2s; display: flex; align-items: center; gap: 10px;
}
.dropdown-item:hover, .dropdown-item.active { background: var(--bg2); color: var(--primary); }
[data-theme="dark"] .dropdown-item:hover, [data-theme="dark"] .dropdown-item.active { color: #7ab4f0; }
.dropdown-item .di-icon { font-size: 1rem; }
.header-actions { display: flex; align-items: center; gap: 10px; }
.btn-call-header {
  background: var(--gradient-gold); color: #fff;
  padding: 9px 18px; border-radius: 50px; font-size: 0.84rem; font-weight: 600;
  display: flex; align-items: center; gap: 7px;
  box-shadow: 0 4px 14px rgba(201,150,44,0.35);
  transition: all 0.25s; white-space: nowrap;
}
.btn-call-header:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(201,150,44,0.45); }
.theme-toggle {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--bg2); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; transition: all 0.2s;
}
.theme-toggle:hover { background: var(--border); transform: rotate(15deg); }
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 6px; cursor: pointer; }
.hamburger span { display: block; width: 22px; height: 2.5px; background: var(--text); border-radius: 2px; transition: 0.3s; }
.main-content { margin-top: var(--header-h); min-height: 80vh; }

/* Mobile Nav */
.mobile-nav {
  display: none; position: fixed; top: 0; left: 0; right: 0; bottom: 0;
  background: var(--card-bg); z-index: 1050; overflow-y: auto; padding: 20px;
  padding-top: calc(var(--header-h) + 12px);
  box-shadow: 4px 0 30px rgba(0,0,0,0.18);
}
.mobile-nav.open { display: block; animation: slideDown 0.28s ease; }
@keyframes slideDown { from{opacity:0;transform:translateY(-10px)} to{opacity:1;transform:none} }
.mobile-nav-link {
  display: block; padding: 14px 16px; border-radius: 10px;
  font-size: 1rem; font-weight: 500; color: var(--text);
  cursor: pointer; transition: 0.2s; border-bottom: 1px solid var(--border);
}
.mobile-nav-link:hover, .mobile-nav-link.active { background: var(--bg2); color: var(--primary); }
[data-theme="dark"] .mobile-nav-link:hover, [data-theme="dark"] .mobile-nav-link.active { color: #7ab4f0; }
.mobile-submenu { padding-left: 20px; }
.mobile-submenu .mobile-nav-link { font-size: 0.9rem; border-bottom: none; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 28px; border-radius: 50px; font-weight: 600; font-size: 0.94rem;
  transition: all 0.25s; cursor: pointer; text-align: center;
}
.btn-primary { background: var(--gradient); color: #fff; box-shadow: 0 6px 20px rgba(26,58,107,0.35); }
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 10px 30px rgba(26,58,107,0.45); }
.btn-gold { background: var(--gradient-gold); color: #fff; box-shadow: 0 6px 20px rgba(201,150,44,0.35); }
.btn-gold:hover { transform: translateY(-3px); box-shadow: 0 10px 30px rgba(201,150,44,0.45); }
.btn-outline {
  background: transparent; color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-outline-white {
  background: transparent; color: #fff;
  border: 2px solid rgba(255,255,255,0.7);
}
.btn-outline-white:hover { background: rgba(255,255,255,0.15); }

/* ===== BADGES / CHIPS ===== */
.chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 14px; border-radius: 50px;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.5px;
  background: var(--gold-pale); color: var(--gold);
}
.chip-blue { background: rgba(26,58,107,0.08); color: var(--primary-light); }

/* ===== SECTION HEADERS ===== */
.section-label {
  display: block; margin-bottom: 12px;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase;
  color: var(--gold);
}
.section-title { font-size: clamp(1.8rem, 4vw, 2.8rem); color: var(--text); margin-bottom: 14px; }
.section-sub { font-size: 1rem; color: var(--text-sec); max-width: 560px; }
.section-head { text-align: center; margin-bottom: 56px; }
.section-head .section-sub { margin: 0 auto; }
.divider {
  width: 60px; height: 4px; border-radius: 2px;
  background: var(--gradient-gold); margin: 16px auto 0;
}
.divider-left { margin-left: 0; }

/* ===== HERO ===== */
.hero {
  min-height: 92vh;
  background: var(--gradient-hero);
  position: relative; overflow: hidden;
  display: flex; align-items: center;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M50 50c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10s-10-4.477-10-10 4.477-10 10-10zM10 10c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10S0 25.523 0 20s4.477-10 10-10z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-shapes { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.hero-shape {
  position: absolute; border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.hero-shape:nth-child(1) { width: 500px; height: 500px; top: -150px; right: -100px; animation: float1 8s ease-in-out infinite; }
.hero-shape:nth-child(2) { width: 300px; height: 300px; bottom: -80px; left: -60px; animation: float2 10s ease-in-out infinite; }
.hero-shape:nth-child(3) { width: 180px; height: 180px; top: 40%; right: 15%; animation: float1 6s ease-in-out infinite 2s; }
@keyframes float1 { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-30px)} }
@keyframes float2 { 0%,100%{transform:translateY(0)} 50%{transform:translateY(20px)} }

.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 1; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  backdrop-filter: blur(10px); padding: 8px 18px; border-radius: 50px;
  font-size: 0.8rem; color: rgba(255,255,255,0.9); font-weight: 500; margin-bottom: 24px;
}
.hero-badge-dot { width: 8px; height: 8px; background: var(--gold-light); border-radius: 50%; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.5;transform:scale(1.4)} }
.hero-title {
  font-size: clamp(2rem, 4.5vw, 3.4rem); color: #fff;
  margin-bottom: 20px; line-height: 1.2;
}
.hero-title .gold-word { color: var(--gold-light); }
.hero-subtitle { font-size: 1.1rem; color: rgba(255,255,255,0.78); margin-bottom: 36px; line-height: 1.7; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin-top: 48px; }
.hero-stat {
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius); padding: 18px 16px; text-align: center;
  backdrop-filter: blur(10px);
}
.hero-stat .num { font-family: 'Playfair Display', serif; font-size: 1.8rem; font-weight: 700; color: var(--gold-light); }
.hero-stat .label { font-size: 0.78rem; color: rgba(255,255,255,0.65); margin-top: 4px; }
.hero-right { position: relative; }
.hero-card {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  backdrop-filter: blur(20px); border-radius: 20px; padding: 36px;
  color: #fff;
}
.hero-card h3 { font-size: 1.3rem; margin-bottom: 24px; color: #fff; }
.quick-form .form-group { margin-bottom: 16px; }
.quick-form label { font-size: 0.8rem; color: rgba(255,255,255,0.7); font-weight: 500; display: block; margin-bottom: 6px; }
.quick-form input, .quick-form select {
  width: 100%; padding: 12px 16px; border-radius: 10px;
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.25);
  color: #fff; font-family: inherit; font-size: 0.9rem; outline: none;
  transition: border-color 0.2s;
}
.quick-form input::placeholder { color: rgba(255,255,255,0.4); }
.quick-form input:focus, .quick-form select:focus { border-color: var(--gold-light); }
.quick-form select option { color: #222; background: #fff; }
.quick-form .btn { width: 100%; justify-content: center; }

/* ===== SERVICE HIGHLIGHTS ===== */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px,1fr)); gap: 24px; }
.service-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 32px 24px; text-align: center;
  box-shadow: var(--shadow); transition: all 0.3s; cursor: pointer;
  position: relative; overflow: hidden; display: block;
}
.service-card::before {
  content: ''; position: absolute; inset: 0;
  background: var(--gradient); opacity: 0; transition: opacity 0.3s;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { opacity: 1; }
.service-card:hover .sc-icon { background: rgba(255,255,255,0.2); }
.service-card:hover h3, .service-card:hover p { color: #fff; position: relative; }
.sc-icon {
  width: 64px; height: 64px; border-radius: 16px;
  background: var(--bg2); margin: 0 auto 20px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem; transition: all 0.3s; position: relative;
}
.service-card h3 { font-size: 1.05rem; margin-bottom: 10px; transition: color 0.3s; position: relative; }
.service-card p { font-size: 0.86rem; color: var(--text-sec); transition: color 0.3s; position: relative; }

/* ===== WHY CHOOSE US ===== */
.why-section { background: var(--bg2); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.why-features { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.why-feat {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px 20px;
  box-shadow: var(--shadow); transition: all 0.3s;
}
.why-feat:hover { transform: translateY(-4px); border-color: var(--gold); }
.why-feat-icon { font-size: 2rem; margin-bottom: 12px; }
.why-feat h4 { font-size: 0.98rem; margin-bottom: 6px; }
.why-feat p { font-size: 0.82rem; color: var(--text-sec); }
.why-image-wrap { position: relative; }
.why-img-container {
  width: 100%; aspect-ratio: 4/5; border-radius: 20px;
  overflow: hidden; position: relative;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.why-img-container img {
  width: 100%; height: 100%; object-fit: cover; display: block;
}
.badge-float {
  position: absolute; background: var(--card-bg);
  border-radius: var(--radius); padding: 14px 18px;
  box-shadow: var(--shadow-lg); display: flex; align-items: center; gap: 10px;
  font-size: 0.82rem; font-weight: 600; color: var(--text);
  border: 1px solid var(--border);
  z-index: 2;
}
.badge-float-1 { bottom: 30px; right: -20px; }
.badge-float-2 { top: 40px; left: -20px; }
.badge-float .bf-icon { font-size: 1.4rem; }

/* ===== LOAN CARDS ===== */
.loans-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px,1fr)); gap: 24px; }
.loan-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 28px 24px;
  box-shadow: var(--shadow); transition: all 0.3s; cursor: pointer;
  display: flex; flex-direction: column;
}
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.loan-card-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: var(--gradient); margin-bottom: 18px;
  display: flex; align-items: center; justify-content: center; font-size: 1.5rem;
}
.loan-card h3 { font-size: 1.08rem; margin-bottom: 8px; }
.loan-card p { font-size: 0.84rem; color: var(--text-sec); flex: 1; margin-bottom: 20px; }
.loan-card .card-link {
  font-size: 0.84rem; font-weight: 600; color: var(--primary-light);
  display: flex; align-items: center; gap: 6px; transition: gap 0.2s;
}
.loan-card:hover .card-link { gap: 10px; }
.low-cibil-card { border: 2px solid var(--gold); }
.low-cibil-card .loan-card-icon { background: var(--gradient-gold); }
.cibil-badge {
  display: inline-block; background: var(--gold); color: #fff;
  font-size: 0.72rem; font-weight: 700; padding: 3px 10px; border-radius: 50px;
  margin-bottom: 10px; letter-spacing: 0.5px;
}

/* ===== TESTIMONIALS ===== */
.testimonials-section { background: var(--bg2); }
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px,1fr)); gap: 24px; }
.testimonial-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 28px;
  box-shadow: var(--shadow); position: relative;
}
.testi-quote { font-size: 3rem; color: var(--gold); line-height: 1; margin-bottom: 12px; }
.testi-text { font-size: 0.92rem; color: var(--text-sec); margin-bottom: 20px; font-style: italic; line-height: 1.7; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--gradient); display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 1rem; flex-shrink: 0;
}
.testi-name { font-weight: 600; font-size: 0.92rem; }
.testi-city { font-size: 0.78rem; color: var(--text-muted); }
.testi-stars { color: var(--gold-light); font-size: 0.9rem; margin-top: 4px; }

/* ===== CTA BANNER ===== */
.cta-banner {
  background: var(--gradient-hero); padding: 70px 20px; text-align: center;
  position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(201,150,44,0.15) 0%, transparent 70%);
}
.cta-banner h2 { color: #fff; font-size: clamp(1.6rem,4vw,2.6rem); margin-bottom: 14px; position: relative; }
.cta-banner p { color: rgba(255,255,255,0.78); margin-bottom: 32px; font-size: 1rem; position: relative; }
.cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; position: relative; }

/* ===== ABOUT PAGE ===== */
.about-hero { background: var(--gradient-hero); padding: 100px 20px 80px; text-align: center; }
.about-hero h1 { color: #fff; font-size: clamp(2rem,4vw,3rem); margin-bottom: 14px; }
.about-hero p { color: rgba(255,255,255,0.78); font-size: 1.05rem; max-width: 600px; margin: 0 auto; }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-image-block { position: relative; }
.about-img-container {
  width: 100%; aspect-ratio: 1; border-radius: 20px;
  overflow: hidden; box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.about-img-container img {
  width: 100%; height: 100%; object-fit: cover; display: block;
}
.founder-section { margin-top: 20px; }
.founder-grid { display: grid; grid-template-columns: 380px 1fr; gap: 50px; align-items: center; }
.founder-image-wrap { position: relative; }
.founder-image-wrap img {
  width: 100%; max-width: 380px; border-radius: 20px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.18);
  object-fit: cover; aspect-ratio: 3/4;
  border: 4px solid var(--gold); display: block;
}
.founder-image-wrap::after {
  content: ''; position: absolute; inset: -8px; border-radius: 24px;
  border: 2px solid rgba(201,150,44,0.25); pointer-events: none;
}
.founder-name { font-family: 'Playfair Display',serif; font-size: 1.8rem; color: var(--primary-light); margin-bottom: 4px; }
[data-theme="dark"] .founder-name { color: #7ab4f0; }
.founder-title { font-size: 1rem; color: var(--gold); font-weight: 600; margin-bottom: 6px; }
.founder-tagline { font-size: 0.88rem; color: var(--text-muted); font-style: italic; margin-bottom: 18px; padding-bottom: 18px; border-bottom: 1px solid var(--border); }
.founder-bio p { font-size: 0.9rem; color: var(--text-sec); line-height: 1.8; margin-bottom: 14px; }
.founder-highlights { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 20px; }
.founder-highlight-item {
  display: flex; align-items: flex-start; gap: 10px;
  background: var(--bg2); border-radius: 12px; padding: 14px 16px;
}
.founder-highlight-item .fh-icon { font-size: 1.4rem; flex-shrink: 0; line-height: 1; }
.founder-highlight-item .fh-text { font-size: 0.82rem; color: var(--text-sec); line-height: 1.5; }
.founder-highlight-item .fh-text strong { color: var(--text); display: block; margin-bottom: 2px; font-size: 0.85rem; }

.stats-strip {
  display: grid; grid-template-columns: repeat(4,1fr); gap: 1px;
  background: var(--border); border-radius: var(--radius); overflow: hidden;
  margin-top: 40px;
}
.stat-item { background: var(--card-bg); padding: 24px 16px; text-align: center; }
.stat-item .num { font-family: 'Playfair Display',serif; font-size: 1.8rem; font-weight: 700; color: var(--primary-light); }
.stat-item .lbl { font-size: 0.78rem; color: var(--text-sec); margin-top: 4px; }
.mv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 40px; }
.mv-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow);
}
.mv-card h3 { font-size: 1.05rem; margin-bottom: 10px; display: flex; align-items: center; gap: 8px; }
.mv-card p { font-size: 0.86rem; color: var(--text-sec); }
.trust-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px,1fr)); gap: 20px; }
.trust-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px; text-align: center; box-shadow: var(--shadow);
  transition: all 0.3s;
}
.trust-card:hover { transform: translateY(-4px); border-color: var(--gold); }
.trust-card .t-icon { font-size: 2.2rem; margin-bottom: 12px; }
.trust-card h4 { font-size: 0.94rem; margin-bottom: 6px; }
.trust-card p { font-size: 0.8rem; color: var(--text-sec); }

/* ===== LOAN INDIVIDUAL PAGES ===== */
.loan-hero {
  background: var(--gradient-hero); padding: 100px 20px 80px;
  position: relative; overflow: hidden;
}
.loan-hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.loan-hero h1 { color: #fff; font-size: clamp(1.8rem, 3.5vw, 2.8rem); margin-bottom: 16px; }
.loan-hero p { color: rgba(255,255,255,0.78); font-size: 1rem; margin-bottom: 28px; }
.loan-hero-cta { display: flex; gap: 12px; flex-wrap: wrap; }
.loan-info-card {
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius); padding: 28px; color: #fff;
}
.loan-info-card h3 { margin-bottom: 20px; font-size: 1.1rem; }
.info-row { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.15); font-size: 0.88rem; }
.info-row:last-child { border: none; }
.info-row .label { color: rgba(255,255,255,0.65); }
.info-row .value { font-weight: 600; color: var(--gold-light); }

.loan-content { display: grid; grid-template-columns: 2fr 1fr; gap: 40px; }
.loan-main-content { }
.content-section { background: var(--card-bg); border: 1px solid var(--border); border-radius: var(--radius); padding: 32px; margin-bottom: 24px; box-shadow: var(--shadow); }
.content-section h2 { font-size: 1.4rem; margin-bottom: 20px; color: var(--primary); }
[data-theme="dark"] .content-section h2 { color: #7ab4f0; }
.content-section p { font-size: 0.9rem; color: var(--text-sec); margin-bottom: 14px; line-height: 1.75; }
.doc-list, .benefit-list, .process-list { padding: 0; }
.doc-list li, .benefit-list li {
  padding: 10px 0; border-bottom: 1px solid var(--border);
  font-size: 0.88rem; color: var(--text-sec);
  display: flex; align-items: center; gap: 10px;
}
.doc-list li:last-child, .benefit-list li:last-child { border: none; }
.doc-list li::before { content: '📄'; flex-shrink: 0; }
.benefit-list li::before { content: '✅'; flex-shrink: 0; }
.process-steps { counter-reset: step; }
.process-step {
  display: flex; gap: 18px; padding: 16px 0;
  border-bottom: 1px solid var(--border);
}
.process-step:last-child { border: none; }
.step-num {
  counter-increment: step;
  width: 36px; height: 36px; border-radius: 50%; flex-shrink: 0;
  background: var(--gradient); color: #fff; font-weight: 700; font-size: 0.9rem;
  display: flex; align-items: center; justify-content: center;
}
.step-content h4 { font-size: 0.94rem; margin-bottom: 4px; }
.step-content p { font-size: 0.83rem; color: var(--text-sec); }
.elig-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.elig-item {
  background: var(--bg2); border-radius: 10px; padding: 14px 16px;
  display: flex; align-items: center; gap: 10px; font-size: 0.85rem;
}
.elig-item::before { content: '✓'; color: var(--gold); font-weight: 700; flex-shrink: 0; }
.loan-sidebar { position: sticky; top: calc(var(--header-h) + 20px); height: fit-content; }
.sidebar-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); margin-bottom: 20px;
}
.sidebar-card h3 { font-size: 1rem; margin-bottom: 16px; padding-bottom: 12px; border-bottom: 1px solid var(--border); }
.sidebar-cta-card { background: var(--gradient); color: #fff; border: none; }
.sidebar-cta-card h3 { color: #fff; border-color: rgba(255,255,255,0.2); }
.sidebar-cta-card p { font-size: 0.84rem; color: rgba(255,255,255,0.75); margin-bottom: 16px; }
.sidebar-cta-card .btn { width: 100%; justify-content: center; margin-top: 10px; background: rgba(255,255,255,0.15); color: #fff; border: 1px solid rgba(255,255,255,0.3); }
.sidebar-cta-card .btn:hover { background: rgba(255,255,255,0.25); }
.sidebar-cta-card .btn-gold-solid { background: var(--gradient-gold); border: none; box-shadow: 0 4px 14px rgba(0,0,0,0.2); }

.apply-form .form-group { margin-bottom: 14px; }
.apply-form label { display: block; font-size: 0.8rem; font-weight: 500; margin-bottom: 5px; color: var(--text-sec); }
.apply-form input, .apply-form select, .apply-form textarea {
  width: 100%; padding: 11px 14px; border-radius: 9px;
  background: var(--bg2); border: 1px solid var(--border);
  font-family: inherit; font-size: 0.87rem; color: var(--text); outline: none;
  transition: border-color 0.2s;
}
.apply-form input:focus, .apply-form select:focus, .apply-form textarea:focus { border-color: var(--primary-light); }
.apply-form .btn { width: 100%; justify-content: center; padding: 12px; }

/* ===== CALCULATOR ===== */
.calc-hero { background: var(--gradient-hero); padding: 80px 20px; text-align: center; }
.calc-hero h1 { color: #fff; font-size: clamp(2rem,4vw,3rem); margin-bottom: 14px; }
.calc-hero p { color: rgba(255,255,255,0.78); max-width: 580px; margin: 0 auto; }
.calc-wrapper { display: grid; grid-template-columns: 1fr 1.4fr; gap: 32px; }
.calc-inputs-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow);
}
.calc-inputs-card h2 { font-size: 1.3rem; margin-bottom: 28px; }
.calc-field { margin-bottom: 28px; }
.calc-field label {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.88rem; font-weight: 600; margin-bottom: 10px;
}
.calc-field .field-value {
  background: var(--gradient); color: #fff; font-weight: 700;
  padding: 4px 12px; border-radius: 20px; font-size: 0.84rem;
  font-family: 'Space Mono', monospace;
}
.calc-field input[type=range] {
  width: 100%; -webkit-appearance: none; height: 6px;
  background: linear-gradient(to right, var(--primary-light) 0%, var(--primary-light) 50%, var(--border) 50%, var(--border) 100%);
  border-radius: 3px; outline: none;
}
.calc-field input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--gradient); box-shadow: 0 2px 8px rgba(26,58,107,0.35); cursor: pointer;
}
.calc-field .range-labels { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--text-muted); margin-top: 6px; }
.calc-field input[type=number] {
  width: 100%; padding: 12px 16px; border-radius: 10px;
  background: var(--bg2); border: 1px solid var(--border);
  font-family: 'Space Mono', monospace; font-size: 1rem; color: var(--text); outline: none;
}
.calc-toggle { display: flex; background: var(--bg2); border-radius: 10px; padding: 4px; margin-bottom: 14px; }
.calc-toggle button {
  flex: 1; padding: 8px; border-radius: 8px; font-size: 0.85rem; font-weight: 500;
  color: var(--text-sec); transition: all 0.2s;
}
.calc-toggle button.active { background: var(--card-bg); color: var(--primary); font-weight: 600; box-shadow: var(--shadow); }

.calc-results { display: flex; flex-direction: column; gap: 24px; }
.results-card {
  background: var(--gradient-hero); border-radius: var(--radius); padding: 28px; color: #fff;
}
.results-card h3 { font-size: 1.05rem; margin-bottom: 20px; color: rgba(255,255,255,0.8); }
.emi-big { font-family: 'Space Mono', monospace; font-size: 2.6rem; font-weight: 700; color: var(--gold-light); margin-bottom: 4px; }
.emi-label { font-size: 0.8rem; color: rgba(255,255,255,0.6); }
.results-breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 24px; }
.breakdown-item { background: rgba(255,255,255,0.08); border-radius: 10px; padding: 16px; }
.breakdown-item .label { font-size: 0.76rem; color: rgba(255,255,255,0.6); margin-bottom: 6px; }
.breakdown-item .value { font-family: 'Space Mono', monospace; font-size: 1.1rem; font-weight: 700; }
.chart-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow);
}
.chart-card h3 { font-size: 1rem; margin-bottom: 16px; }
.chart-legend { display: flex; gap: 20px; justify-content: center; margin-top: 16px; }
.legend-item { display: flex; align-items: center; gap: 6px; font-size: 0.8rem; color: var(--text-sec); }
.legend-dot { width: 10px; height: 10px; border-radius: 50%; }

.amort-table-wrap { overflow-x: auto; }
.amort-table {
  width: 100%; border-collapse: collapse; font-size: 0.83rem;
}
.amort-table th {
  background: var(--primary); color: #fff; padding: 12px 14px;
  text-align: left; font-weight: 600; font-size: 0.8rem;
}
.amort-table th:first-child { border-radius: 8px 0 0 0; }
.amort-table th:last-child { border-radius: 0 8px 0 0; }
.amort-table td { padding: 10px 14px; border-bottom: 1px solid var(--border); color: var(--text-sec); }
.amort-table tr:hover td { background: var(--bg2); }
.amort-table tr:last-child td { border: none; }
.amort-table td:nth-child(2) { color: var(--primary-light); font-weight: 500; }
.amort-table td:nth-child(3) { color: #e05555; }
.amort-table td:nth-child(4) { color: var(--text-muted); }

/* ===== CONTACT PAGE ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.contact-form-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow);
}
.contact-form-card h2 { font-size: 1.5rem; margin-bottom: 24px; }
.contact-info-grid { display: flex; flex-direction: column; gap: 20px; }
.contact-info-item {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 20px 22px;
  display: flex; align-items: center; gap: 16px; box-shadow: var(--shadow);
  transition: all 0.3s;
}
.contact-info-item:hover { border-color: var(--gold); transform: translateX(4px); }
.ci-icon {
  width: 46px; height: 46px; border-radius: 12px;
  background: var(--gradient); display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; flex-shrink: 0;
}
.ci-label { font-size: 0.75rem; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.ci-value { font-size: 0.92rem; font-weight: 500; color: var(--text); margin-top: 2px; }
.ci-value a { color: var(--primary-light); }
.map-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
}
.map-placeholder {
  width: 100%; height: 300px; background: var(--bg2);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 12px; font-size: 0.9rem; color: var(--text-sec);
}
.map-icon { font-size: 3rem; }
.map-link {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--primary); color: #fff; padding: 10px 20px; border-radius: 50px;
  font-size: 0.84rem; font-weight: 600; transition: all 0.2s; cursor: pointer;
}
.map-link:hover { background: var(--primary-light); }

/* ===== APPLY PAGE DEDICATED STYLES ===== */
.apply-page-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 40px; }
.apply-card {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-section-title {
  font-size: 1.15rem; color: var(--primary); margin: 24px 0 16px;
  padding-bottom: 8px; border-bottom: 1px solid var(--border);
  display: flex; align-items: center; gap: 8px;
}
[data-theme="dark"] .form-section-title { color: #7ab4f0; }

/* ===== LEGAL PAGES ===== */
.legal-content {
  background: var(--card-bg); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 48px; box-shadow: var(--shadow);
  max-width: 900px; margin: 0 auto;
}
.legal-content h2 { font-size: 1.4rem; margin: 32px 0 14px; color: var(--primary); }
[data-theme="dark"] .legal-content h2 { color: #7ab4f0; }
.legal-content h3 { font-size: 1.1rem; margin: 20px 0 10px; color: var(--text); }
.legal-content p { font-size: 0.94rem; color: var(--text-sec); margin-bottom: 16px; line-height: 1.8; }
.legal-content ul { padding-left: 20px; margin-bottom: 20px; list-style: disc; }
.legal-content li { font-size: 0.92rem; color: var(--text-sec); margin-bottom: 8px; line-height: 1.7; }

/* ===== FOOTER ===== */
footer {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.75);
  padding-top: 64px;
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand p { font-size: 0.87rem; line-height: 1.7; margin: 16px 0; }
.footer-logo { display: flex; align-items: center; gap: 10px; }
.footer-logo .logo-text .brand { color: #fff; }
.footer-logo .logo-text .tagline { color: var(--gold); }
.footer-logo .site-logo-img {
  max-height: 40px; width: auto;
  background: rgba(255,255,255,0.92);
  padding: 5px 10px;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.18);
}
.social-links { display: flex; gap: 10px; margin-top: 20px; }
.social-btn {
  width: 38px; height: 38px; border-radius: 10px;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center; font-size: 1rem;
  transition: all 0.2s; cursor: pointer;
}
.social-btn:hover { background: var(--primary-light); border-color: var(--primary-light); transform: translateY(-2px); }
.footer-col h4 { color: #fff; font-size: 0.94rem; margin-bottom: 18px; font-family: 'DM Sans', sans-serif; font-weight: 600; letter-spacing: 0.5px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a, .footer-links span {
  font-size: 0.85rem; color: rgba(255,255,255,0.6);
  cursor: pointer; transition: color 0.2s; display: flex; align-items: center; gap: 6px;
}
.footer-links a:hover, .footer-links span:hover { color: var(--gold-light); }
.footer-bottom {
  padding: 20px 0; display: flex; justify-content: space-between; align-items: center;
  font-size: 0.8rem; color: rgba(255,255,255,0.4); flex-wrap: wrap; gap: 10px;
}
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { color: rgba(255,255,255,0.4); cursor: pointer; transition: color 0.2s; }
.footer-legal a:hover { color: rgba(255,255,255,0.7); }
.footer-disclaimer {
  background: rgba(0,0,0,0.2); padding: 14px 20px; margin-top: 0;
  font-size: 0.75rem; color: rgba(255,255,255,0.35); line-height: 1.6; text-align: center;
}

/* ===== WHATSAPP FLOAT ===== */
.whatsapp-float {
  position: fixed; bottom: 28px; right: 28px; z-index: 9999;
  display: flex; flex-direction: column; align-items: flex-end; gap: 10px;
}
.wa-btn {
  width: 58px; height: 58px; border-radius: 50%;
  background: #25D366; color: #fff;
  display: flex; align-items: center; justify-content: center; font-size: 1.6rem;
  box-shadow: 0 6px 24px rgba(37,211,102,0.45); transition: all 0.3s; cursor: pointer;
  animation: bounceIn 2s ease infinite 3s;
}
.wa-btn:hover { transform: scale(1.1); box-shadow: 0 8px 32px rgba(37,211,102,0.6); }
@keyframes bounceIn { 0%,100%{transform:scale(1)} 50%{transform:scale(1.08)} }
.wa-tooltip {
  background: var(--card-bg); border: 1px solid var(--border);
  padding: 10px 16px; border-radius: 10px; font-size: 0.82rem; font-weight: 500;
  box-shadow: var(--shadow); white-space: nowrap; color: var(--text);
  animation: fadeSlide 0.3s ease; display: none;
}
.whatsapp-float:hover .wa-tooltip { display: block; }
@keyframes fadeSlide { from{opacity:0;transform:translateX(10px)} to{opacity:1;transform:none} }

/* ===== TOAST ===== */
.toast {
  position: fixed; bottom: 100px; right: 28px; z-index: 9998;
  background: var(--primary); color: #fff;
  padding: 14px 24px; border-radius: 12px; font-size: 0.88rem; font-weight: 500;
  box-shadow: var(--shadow-lg); display: none;
  animation: slideUp 0.3s ease;
}
@keyframes slideUp { from{opacity:0;transform:translateY(20px)} to{opacity:1;transform:none} }

/* ===== UTILITIES ===== */
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.mb-8 { margin-bottom: 8px; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-12 { gap: 12px; }

/* ===== LOAN PAGE HERO ICONS ===== */
.loan-icon-display {
  width: 120px; height: 120px; border-radius: 28px;
  background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.25);
  display: flex; align-items: center; justify-content: center; font-size: 3.5rem;
  backdrop-filter: blur(10px);
}
.interest-strip { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.interest-item {
  background: var(--bg2); border-radius: 10px; padding: 16px; text-align: center;
}
.interest-item .rate { font-family: 'Space Mono',monospace; font-size: 1.3rem; font-weight: 700; color: var(--primary-light); }
.interest-item .rate-lbl { font-size: 0.75rem; color: var(--text-muted); margin-top: 4px; }

/* ===== PAGE HERO SMALL ===== */
.page-hero-sm {
  background: var(--gradient-hero); padding: 80px 20px 60px; text-align: center;
}
.page-hero-sm h1 { color: #fff; font-size: clamp(1.8rem,3.5vw,2.8rem); margin-bottom: 14px; }
.page-hero-sm p { color: rgba(255,255,255,0.75); font-size: 1rem; max-width: 560px; margin: 0 auto; }
.breadcrumb { display: flex; align-items: center; gap: 8px; justify-content: center; margin-bottom: 16px; font-size: 0.82rem; color: rgba(255,255,255,0.5); }
.breadcrumb a { color: rgba(255,255,255,0.7); transition: color 0.2s; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { color: var(--gold-light); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-right { display: none; }
  .why-grid { grid-template-columns: 1fr; }
  .why-image-wrap { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .about-image-block { display: none; }
  .loan-hero-inner { grid-template-columns: 1fr; }
  .loan-hero-inner .loan-info-card { display: none; }
  .loan-content { grid-template-columns: 1fr; }
  .loan-sidebar { position: static; }
  .calc-wrapper { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .apply-page-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-strip { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  nav { display: none; }
  .hamburger { display: flex; }
  .btn-call-header { font-size: 0.78rem; padding: 8px 14px; }
  .hero { min-height: 80vh; }
  .hero-stats { grid-template-columns: repeat(3,1fr); gap: 10px; }
  .why-features { grid-template-columns: 1fr 1fr; }
  .loans-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .mv-grid { grid-template-columns: 1fr; }
  .elig-grid { grid-template-columns: 1fr; }
  .interest-strip { grid-template-columns: 1fr; }
  .results-breakdown { grid-template-columns: 1fr; }
  .stats-strip { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .founder-grid { grid-template-columns: 1fr; text-align: center; }
  .founder-image-wrap { max-width: 280px; margin: 0 auto; }
  .founder-highlights { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .hero-stats { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: 1fr; }
  .why-features { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .container { padding: 0 16px; }
  .section { padding: 56px 0; }
  .hero-cta { flex-direction: column; }
  .cta-btns { flex-direction: column; align-items: center; }
}