/* ==========================================================================
   LOAN81 - PREMIUM LOAN ADVISORY & ASSISTANCE PLATFORM
   Design System & Master Stylesheet
   Colors: White (Primary), Blue (Secondary/Brand Accent)
   ========================================================================== */

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

:root {
  /* Brand Color Palette (Extracted directly from official Loan81 logo) */
  --color-white: #ffffff;
  --color-bg-subtle: #f4f8fc;
  --color-bg-card: #ffffff;
  --color-border: #e2e8f0;
  --color-border-light: #edf2f7;

  /* Loan81 Official Brand Colors */
  --color-primary-navy: #0E2954;      /* Deep midnight navy from "loan" text */
  --color-navy-dark: #071833;         /* Ultra deep navy for contrast headers */
  --color-navy-slate: #152A4A;        /* Slate navy body & section tones */
  --color-primary-blue: #176AB8;      /* Royal vibrant blue from "81" left gradient */
  --color-primary-dark: #0E2954;      /* Navy primary dark */
  --color-primary-light: #eef5fc;     /* Soft icy blue for pill tags */
  --color-brand-cyan: #109EAE;        /* Mid-tone cyan from 81 gradient */
  --color-teal-accent: #04C398;       /* Fresh mint/teal from checkmark in "o" & 81 right */
  
  /* Gradients */
  --color-blue-gradient: linear-gradient(135deg, #0E2954 0%, #176AB8 55%, #04C398 100%);
  --color-vibrant-gradient: linear-gradient(135deg, #176AB8 0%, #109EAE 50%, #04C398 100%);
  --color-teal-gradient: linear-gradient(135deg, #109EAE 0%, #04C398 100%);
  --color-hero-gradient: radial-gradient(circle at 85% 15%, rgba(4, 195, 152, 0.12) 0%, rgba(255, 255, 255, 0) 50%), radial-gradient(circle at 15% 85%, rgba(23, 106, 184, 0.10) 0%, rgba(255, 255, 255, 0) 50%), linear-gradient(180deg, #f3f8fd 0%, #ffffff 100%);

  /* Accent & Action Colors */
  --color-green-success: #04C398;
  --color-green-dark: #039f7c;
  --color-whatsapp: #25d366;
  --color-amber-gold: #f59e0b;
  --color-red-danger: #ef4444;

  /* Typography Colors */
  --color-text-main: #0E2954;
  --color-text-muted: #536b88;
  --color-text-light: #8ba0b9;

  /* Fonts */
  --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(14, 41, 84, 0.07), 0 2px 4px -1px rgba(14, 41, 84, 0.04);
  --shadow-lg: 0 10px 25px -3px rgba(14, 41, 84, 0.10), 0 4px 6px -2px rgba(14, 41, 84, 0.05);
  --shadow-xl: 0 20px 35px -5px rgba(14, 41, 84, 0.14), 0 10px 10px -5px rgba(4, 195, 152, 0.08);
  --shadow-card: 0 12px 32px rgba(14, 41, 84, 0.08);

  /* Radius */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ==========================================================================
   RESET & BASE STYLES
   ========================================================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  color: var(--color-text-main);
  background-color: var(--color-white);
  line-height: 1.6;
  overflow-x: hidden;
}

img, svg {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition-fast);
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
}

ul {
  list-style: none;
}

/* Container */
.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

.container-narrow {
  max-width: 960px;
}

/* Typography Helpers */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--color-navy-dark);
  font-weight: 700;
  line-height: 1.25;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-primary-blue);
  background: var(--color-primary-light);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 12px;
}

.section-title {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}

.section-subtitle {
  font-size: clamp(1rem, 1.5vw, 1.15rem);
  color: var(--color-text-muted);
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}

.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.section-padding {
  padding: 80px 0;
}

@media (max-width: 768px) {
  .section-padding {
    padding: 50px 0;
  }
}

/* ==========================================================================
   BUTTONS & CTAS
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 26px;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.btn-primary {
  background: var(--color-blue-gradient);
  color: var(--color-white);
  box-shadow: 0 4px 14px rgba(0, 82, 255, 0.3);
}

.btn-primary:hover {
  background: linear-gradient(135deg, #0045d6 0%, #173296 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 82, 255, 0.4);
}

.btn-secondary {
  background: var(--color-white);
  color: var(--color-navy-dark);
  border-color: var(--color-border);
}

.btn-secondary:hover {
  background: var(--color-bg-subtle);
  border-color: var(--color-primary-blue);
  color: var(--color-primary-blue);
  transform: translateY(-2px);
}

.btn-outline-white {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: var(--color-white);
  color: var(--color-white);
}

.btn-whatsapp {
  background-color: var(--color-whatsapp);
  color: var(--color-white);
  box-shadow: 0 4px 14px rgba(37, 211, 102, 0.3);
}

.btn-whatsapp:hover {
  background-color: #20ba5a;
  transform: translateY(-2px);
  color: var(--color-white);
}

.btn-sm {
  padding: 8px 18px;
  font-size: 0.875rem;
  border-radius: var(--radius-sm);
}

.btn-lg {
  padding: 16px 34px;
  font-size: 1.05rem;
  border-radius: var(--radius-lg);
}

.btn-block {
  width: 100%;
}

/* ==========================================================================
   TOP BAR & HEADER
   ========================================================================== */
.top-bar {
  background-color: var(--color-navy-dark);
  color: #cbd5e1;
  font-size: 0.825rem;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}

.top-bar-left, .top-bar-right {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.top-bar-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #e2e8f0;
}

.top-bar-item a {
  color: inherit;
}

.top-bar-item a:hover {
  color: #60a5fa;
}

.social-links {
  display: flex;
  align-items: center;
  gap: 12px;
}

.social-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  color: #e2e8f0;
  font-size: 0.75rem;
  transition: var(--transition-fast);
}

.social-icon:hover {
  background: var(--color-primary-blue);
  color: var(--color-white);
  transform: translateY(-2px);
}

/* Main Navigation */
.main-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 2px 15px rgba(0, 0, 0, 0.05);
  transition: all var(--transition-normal);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.brand-logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  font-family: var(--font-heading);
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--color-primary-navy);
  letter-spacing: -0.02em;
}

.brand-logo .site-logo,
.site-logo {
  height: 44px !important;
  width: auto !important;
  max-width: 180px !important;
  object-fit: contain !important;
  display: block !important;
  transition: transform var(--transition-fast);
}

.brand-logo:hover .site-logo {
  transform: scale(1.03);
}

.footer-logo {
  height: 42px !important;
  width: auto !important;
  max-width: 180px !important;
  object-fit: contain !important;
  display: block !important;
  margin-bottom: 20px;
}

.brand-logo-icon {
  width: 42px;
  height: 42px;
  background: var(--color-blue-gradient);
  color: var(--color-white);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.2rem;
  box-shadow: 0 4px 12px rgba(23, 106, 184, 0.3);
}

.brand-logo span.highlight {
  color: var(--color-teal-accent);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-link {
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--color-navy-slate);
  padding: 6px 0;
  position: relative;
}

.nav-link:hover, .nav-link.active {
  color: var(--color-primary-blue);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2px;
  background-color: var(--color-primary-blue);
  transition: width var(--transition-fast);
}

.nav-link:hover::after, .nav-link.active::after {
  width: 100%;
}

.nav-cta-group {
  display: flex;
  align-items: center;
  gap: 14px;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--color-navy-dark);
}

.mobile-header-apply {
  display: none !important;
}

/* ==========================================================================
   HERO SECTION & QUICK LEAD FORM
   ========================================================================== */
.hero-section {
  position: relative;
  background: var(--color-hero-gradient);
  padding: 60px 0 90px 0;
  overflow: hidden;
}

/* Subtle graphic background grid */
.hero-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image: radial-gradient(rgba(23, 106, 184, 0.08) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
  opacity: 0.6;
}

.hero-glow-1 {
  position: absolute;
  top: -120px;
  right: -80px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(4, 195, 152, 0.14) 0%, rgba(255, 255, 255, 0) 70%);
  pointer-events: none;
}

.hero-glow-2 {
  position: absolute;
  bottom: -150px;
  left: -100px;
  width: 550px;
  height: 550px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(23, 106, 184, 0.12) 0%, rgba(255, 255, 255, 0) 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 2;
}

/* Hero Visual Showcase */
.hero-visual-wrap {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  padding: 20px;
}

.hero-visual-card {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 24px 50px -12px rgba(14, 41, 84, 0.22);
  border: 5px solid #ffffff;
  background: #ffffff;
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1), box-shadow 0.4s ease;
  max-width: 480px;
  width: 100%;
}

.hero-visual-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 32px 60px -12px rgba(14, 41, 84, 0.28);
}

.hero-visual-card img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: calc(var(--radius-xl) - 5px);
  object-fit: cover;
}

/* Floating Trust Badges */
.floating-badge {
  position: absolute;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-radius: var(--radius-md);
  padding: 12px 18px;
  box-shadow: 0 12px 28px rgba(14, 41, 84, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.9);
  display: flex;
  align-items: center;
  gap: 12px;
  z-index: 6;
  animation: floatSlow 4s ease-in-out infinite alternate;
}

.floating-badge.badge-top-right {
  top: 10px;
  right: -10px;
}

.floating-badge.badge-bottom-left {
  bottom: 20px;
  left: -15px;
  animation-delay: 1.8s;
}

.floating-badge-icon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--color-blue-gradient);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
  box-shadow: 0 4px 10px rgba(4, 195, 152, 0.3);
}

.floating-badge-text .val {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--color-primary-navy);
  line-height: 1.2;
}

.floating-badge-text .label {
  font-size: 0.72rem;
  color: var(--color-text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

@keyframes floatSlow {
  0% { transform: translateY(0); }
  100% { transform: translateY(-8px); }
}

/* Live Interest Rates Ticker Bar */
.hero-rates-bar {
  margin-top: 32px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(23, 106, 184, 0.15);
  border-radius: var(--radius-lg);
  padding: 14px 18px;
  box-shadow: 0 4px 18px rgba(14, 41, 84, 0.06);
}

.hero-rate-item {
  text-align: center;
  padding: 4px;
}

.hero-rate-item:not(:last-child) {
  border-right: 1px solid var(--color-border);
}

.hero-rate-item .type {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.hero-rate-item .rate {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--color-primary-navy);
  margin-top: 2px;
}

.hero-rate-item .rate span {
  color: var(--color-teal-accent);
  font-size: 0.8rem;
}

.hero-badge-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
}

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-white);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-navy-dark);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border);
}

.hero-pill .dot {
  width: 8px;
  height: 8px;
  background-color: var(--color-green-success);
  border-radius: 50%;
  display: inline-block;
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.2);
}

.hero-title {
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  line-height: 1.15;
  letter-spacing: -0.025em;
  margin-bottom: 20px;
  color: var(--color-navy-dark);
}

.hero-title .gradient-text {
  background: var(--color-blue-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-desc {
  font-size: 1.125rem;
  color: var(--color-text-muted);
  line-height: 1.65;
  margin-bottom: 30px;
  max-width: 560px;
}

.hero-features-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-bottom: 34px;
}

.hero-feature-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-navy-dark);
}

.hero-feature-item .icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-primary-light);
  color: var(--color-primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  flex-shrink: 0;
}

/* Quick Lead Form Card */
.lead-card {
  background: var(--color-white);
  border-radius: var(--radius-xl);
  padding: 34px;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(0, 82, 255, 0.1);
  position: relative;
}

.lead-card-header {
  text-align: center;
  margin-bottom: 24px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--color-border-light);
}

.lead-card-header h3 {
  font-size: 1.45rem;
  margin-bottom: 6px;
}

.lead-card-header p {
  font-size: 0.875rem;
  color: var(--color-text-muted);
}

.lead-form .form-group {
  margin-bottom: 18px;
}

.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-navy-dark);
  margin-bottom: 6px;
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background-color: var(--color-bg-subtle);
  color: var(--color-text-main);
  transition: var(--transition-fast);
}

.form-control:focus {
  outline: none;
  border-color: var(--color-primary-blue);
  background-color: var(--color-white);
  box-shadow: 0 0 0 4px rgba(0, 82, 255, 0.12);
}

.amount-slider-wrap {
  background: var(--color-bg-subtle);
  padding: 16px;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  margin-bottom: 18px;
}

.slider-val-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}

.slider-amount-display {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--color-primary-blue);
}

.custom-range {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 4px;
  background: #cbd5e1;
  outline: none;
  cursor: pointer;
}

.custom-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-primary-blue);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0, 82, 255, 0.4);
  border: 2px solid var(--color-white);
  transition: transform 0.1s;
}

.custom-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.custom-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-primary-blue);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0, 82, 255, 0.4);
  border: 2px solid var(--color-white);
}

.form-footnote {
  font-size: 0.775rem;
  color: var(--color-text-muted);
  text-align: center;
  margin-top: 14px;
}

.form-footnote a {
  color: var(--color-primary-blue);
  text-decoration: underline;
}

/* ==========================================================================
   STATS & TRUST TICKER
   ========================================================================== */
.trust-strip {
  background-color: var(--color-white);
  padding: 30px 0;
  border-bottom: 1px solid var(--color-border);
}

.trust-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  text-align: center;
}

.trust-stat-item {
  padding: 10px;
  border-right: 1px solid var(--color-border-light);
}

.trust-stat-item:last-child {
  border-right: none;
}

.trust-stat-number {
  font-family: var(--font-heading);
  font-size: 2.1rem;
  font-weight: 800;
  color: var(--color-navy-dark);
  line-height: 1.1;
  margin-bottom: 4px;
}

.trust-stat-number .plus {
  color: var(--color-primary-blue);
}

.trust-stat-label {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  font-weight: 500;
}

/* Bank Partners Strip */
.bank-partners-strip {
  background: var(--color-bg-subtle);
  padding: 24px 0;
  border-bottom: 1px solid var(--color-border);
}

.partners-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}

.partners-title {
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
}

.partners-badges {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.partner-badge {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
  color: #475569;
  background: var(--color-white);
  padding: 8px 18px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  transition: var(--transition-fast);
}

.partner-badge:hover {
  border-color: var(--color-primary-blue);
  color: var(--color-primary-blue);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* Visual Spotlight Sections (Photo Features) */
.visual-spotlight-section {
  padding: 80px 0;
  position: relative;
  overflow: hidden;
  background: linear-gradient(180deg, #ffffff 0%, #f4f8fc 100%);
  border-top: 1px solid var(--color-border-light);
  border-bottom: 1px solid var(--color-border-light);
}

.visual-spotlight-section.alt-bg {
  background: linear-gradient(180deg, #f4f8fc 0%, #ffffff 100%);
}

.spotlight-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.spotlight-img-wrap {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 20px 45px -10px rgba(14, 41, 84, 0.18);
  border: 5px solid #ffffff;
  background: #ffffff;
}

.spotlight-img-wrap img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  display: block;
  transition: transform 0.5s ease;
  border-radius: calc(var(--radius-xl) - 5px);
}

.spotlight-img-wrap:hover img {
  transform: scale(1.03);
}

.spotlight-floating-card {
  position: absolute;
  bottom: 20px;
  left: 20px;
  right: 20px;
  background: rgba(14, 41, 84, 0.92);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  color: #ffffff;
  border-radius: var(--radius-md);
  padding: 16px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.15);
}

.spotlight-floating-card .title {
  font-size: 0.95rem;
  font-weight: 700;
  color: #ffffff;
}

.spotlight-floating-card .sub {
  font-size: 0.78rem;
  color: #94a3b8;
}

.spotlight-floating-card .rate-chip {
  background: var(--color-teal-accent);
  color: #ffffff;
  font-size: 0.85rem;
  font-weight: 800;
  padding: 6px 14px;
  border-radius: var(--radius-full);
}

.spotlight-checklist {
  margin: 24px 0 32px 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.spotlight-check-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-navy-dark);
}

.spotlight-check-item i {
  color: var(--color-teal-accent);
  font-size: 1.1rem;
}

/* EMI Ratio Visualizer Graph */
.emi-visual-box {
  margin: 18px 0;
  padding: 16px;
  background: #ffffff;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}

.emi-bar-track {
  height: 14px;
  width: 100%;
  border-radius: 7px;
  background: #e2e8f0;
  overflow: hidden;
  display: flex;
  margin-bottom: 12px;
}

.emi-bar-principal {
  background: var(--color-primary-navy);
  height: 100%;
  transition: width 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.emi-bar-interest {
  background: var(--color-teal-accent);
  height: 100%;
  transition: width 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.emi-legend-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.825rem;
  font-weight: 600;
}

.emi-legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.emi-legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.emi-legend-dot.principal { background: var(--color-primary-navy); }
.emi-legend-dot.interest { background: var(--color-teal-accent); }

/* ==========================================================================
   LOAN PRODUCTS SECTION
   ========================================================================== */
.products-section {
  background-color: var(--color-white);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 50px;
}

.product-card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: all var(--transition-normal);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.product-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: var(--color-blue-gradient);
  opacity: 0;
  transition: opacity var(--transition-fast);
}

.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card);
  border-color: rgba(0, 82, 255, 0.25);
}

.product-card:hover::before {
  opacity: 1;
}

.product-icon-wrap {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-md);
  background: var(--color-primary-light);
  color: var(--color-primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
  transition: var(--transition-fast);
}

.product-card:hover .product-icon-wrap {
  background: var(--color-primary-blue);
  color: var(--color-white);
}

.product-card h3 {
  font-size: 1.35rem;
  margin-bottom: 10px;
}

.product-card p {
  color: var(--color-text-muted);
  font-size: 0.925rem;
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.product-features-mini {
  list-style: none;
  margin-bottom: 24px;
  padding-top: 16px;
  border-top: 1px solid var(--color-border-light);
}

.product-features-mini li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--color-navy-dark);
  font-weight: 500;
  margin-bottom: 8px;
}

.product-features-mini li svg {
  color: var(--color-green-success);
  flex-shrink: 0;
}

.product-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.product-rate-badge {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--color-navy-dark);
  background: var(--color-bg-subtle);
  padding: 4px 10px;
  border-radius: var(--radius-sm);
}

.product-rate-badge span {
  color: var(--color-primary-blue);
}

/* ==========================================================================
   INTERACTIVE LOAN & EMI CALCULATOR
   ========================================================================== */
.calc-section {
  background-color: var(--color-bg-subtle);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.calc-box {
  background: var(--color-white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-card);
  border: 1px solid var(--color-border);
  overflow: hidden;
  margin-top: 40px;
}

.calc-tabs {
  display: flex;
  background: var(--color-bg-subtle);
  border-bottom: 1px solid var(--color-border);
}

.calc-tab-btn {
  flex: 1;
  padding: 16px 20px;
  background: none;
  border: none;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-text-muted);
  cursor: pointer;
  transition: var(--transition-fast);
  text-align: center;
  border-bottom: 3px solid transparent;
}

.calc-tab-btn.active {
  background: var(--color-white);
  color: var(--color-primary-blue);
  border-bottom-color: var(--color-primary-blue);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  padding: 40px;
  gap: 40px;
}

.calc-slider-group {
  margin-bottom: 28px;
}

.calc-slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}

.calc-slider-header label {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-navy-dark);
}

.calc-val-box {
  background: var(--color-primary-light);
  color: var(--color-primary-blue);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.15rem;
  padding: 6px 14px;
  border-radius: var(--radius-sm);
}

.calc-min-max {
  display: flex;
  justify-content: space-between;
  font-size: 0.775rem;
  color: var(--color-text-light);
  margin-top: 6px;
}

/* Calculator Summary Box */
.calc-summary-card {
  background: linear-gradient(145deg, #f0f7ff 0%, #e0edff 100%);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid rgba(0, 82, 255, 0.15);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.summary-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px dashed rgba(0, 82, 255, 0.2);
  font-size: 0.95rem;
}

.summary-item.total {
  border-bottom: none;
  padding-top: 18px;
}

.summary-item.total .label {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--color-navy-dark);
}

.summary-item.total .val {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.85rem;
  color: var(--color-primary-blue);
}

.summary-emi-hero {
  text-align: center;
  background: var(--color-white);
  padding: 24px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  margin-bottom: 24px;
}

.summary-emi-hero .label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 4px;
}

.summary-emi-hero .amount {
  font-family: var(--font-heading);
  font-size: 2.3rem;
  font-weight: 800;
  color: var(--color-navy-dark);
}

/* ==========================================================================
   4-STEP PROCESS SECTION
   ========================================================================== */
.process-section {
  background-color: var(--color-white);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 50px;
  position: relative;
}

.process-card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 30px 22px;
  text-align: center;
  position: relative;
  transition: var(--transition-normal);
}

.process-card:hover {
  transform: translateY(-5px);
  border-color: var(--color-primary-blue);
  box-shadow: var(--shadow-card);
}

.step-num-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--color-primary-blue);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 3px 8px rgba(0, 82, 255, 0.35);
}

.process-icon {
  width: 64px;
  height: 64px;
  margin: 12px auto 20px auto;
  border-radius: 50%;
  background: var(--color-bg-subtle);
  color: var(--color-navy-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
}

.process-card h4 {
  font-size: 1.15rem;
  margin-bottom: 10px;
}

.process-card p {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.55;
}

/* ==========================================================================
   ADVISORS NOT LENDERS - TRUST BANNER
   ========================================================================== */
.advisor-banner {
  background: linear-gradient(135deg, var(--color-navy-dark) 0%, #0d2857 100%);
  color: var(--color-white);
  border-radius: var(--radius-xl);
  padding: 50px 40px;
  margin-top: 50px;
  position: relative;
  overflow: hidden;
}

.advisor-banner-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
  align-items: center;
}

.advisor-banner h3 {
  color: var(--color-white);
  font-size: clamp(1.8rem, 2.8vw, 2.3rem);
  margin-bottom: 16px;
}

.advisor-banner p {
  color: #cbd5e1;
  font-size: 1rem;
  line-height: 1.65;
  margin-bottom: 24px;
}

.advisor-badges-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.advisor-badge-item {
  display: flex;
  align-items: center;
  gap: 12px;
  background: rgba(255, 255, 255, 0.08);
  padding: 12px 18px;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.925rem;
  color: #f1f5f9;
}

.advisor-badge-item svg {
  color: var(--color-green-success);
  flex-shrink: 0;
}

/* ==========================================================================
   WHY CHOOSE LOAN81 (5-PILLAR GRID)
   ========================================================================== */
.why-section {
  background-color: var(--color-bg-subtle);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  margin-top: 50px;
}

.why-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 32px 26px;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  transition: var(--transition-fast);
}

.why-card:hover {
  border-color: var(--color-primary-blue);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.why-number {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-primary-light);
  line-height: 1;
  margin-bottom: 14px;
}

.why-card:hover .why-number {
  color: var(--color-primary-blue);
}

.why-card h4 {
  font-size: 1.2rem;
  margin-bottom: 10px;
}

.why-card p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* ==========================================================================
   ELIGIBILITY & DOCUMENTS CHECKLIST
   ========================================================================== */
.docs-section {
  background-color: var(--color-white);
}

.docs-tabs-nav {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin: 36px 0;
}

.docs-tab-btn {
  padding: 12px 28px;
  border-radius: var(--radius-full);
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-navy-dark);
  cursor: pointer;
  transition: var(--transition-fast);
}

.docs-tab-btn.active {
  background: var(--color-primary-blue);
  color: var(--color-white);
  border-color: var(--color-primary-blue);
  box-shadow: 0 4px 12px rgba(0, 82, 255, 0.25);
}

.docs-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
}

.doc-group-card {
  background: var(--color-bg-subtle);
  border-radius: var(--radius-lg);
  padding: 30px;
  border: 1px solid var(--color-border);
}

.doc-group-card h4 {
  font-size: 1.25rem;
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.doc-checklist {
  list-style: none;
}

.doc-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--color-border-light);
  font-size: 0.925rem;
  color: var(--color-navy-dark);
}

.doc-checklist li:last-child {
  border-bottom: none;
}

.doc-checklist li svg {
  color: var(--color-primary-blue);
  margin-top: 3px;
  flex-shrink: 0;
}

/* ==========================================================================
   TESTIMONIALS & REVIEWS
   ========================================================================== */
.testimonials-section {
  background: var(--color-bg-subtle);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 50px;
}

.testimonial-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.testi-stars {
  color: var(--color-amber-gold);
  margin-bottom: 16px;
  display: flex;
  gap: 3px;
}

.testi-quote {
  font-size: 0.95rem;
  color: var(--color-text-main);
  line-height: 1.65;
  margin-bottom: 24px;
  font-style: italic;
}

.testi-user {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 16px;
  border-top: 1px solid var(--color-border-light);
}

.testi-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--color-primary-light);
  color: var(--color-primary-blue);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

.testi-meta h5 {
  font-size: 0.95rem;
  margin-bottom: 2px;
}

.testi-meta span {
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

/* ==========================================================================
   FAQS ACCORDION
   ========================================================================== */
.faq-section {
  background-color: var(--color-white);
}

.faq-list {
  max-width: 860px;
  margin: 40px auto 0 auto;
}

.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  margin-bottom: 14px;
  background: var(--color-white);
  overflow: hidden;
  transition: var(--transition-fast);
}

.faq-item.active {
  border-color: var(--color-primary-blue);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background: none;
  border: none;
  text-align: left;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--color-navy-dark);
  cursor: pointer;
}

.faq-toggle-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-bg-subtle);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--color-navy-dark);
  transition: transform var(--transition-fast);
  flex-shrink: 0;
}

.faq-item.active .faq-toggle-icon {
  transform: rotate(45deg);
  background: var(--color-primary-blue);
  color: var(--color-white);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease-out;
  padding: 0 24px;
  color: var(--color-text-muted);
  font-size: 0.95rem;
  line-height: 1.65;
}

.faq-item.active .faq-answer {
  padding-bottom: 20px;
}

/* ==========================================================================
   CTA STRIP & LEAD BANNER
   ========================================================================== */
.cta-banner-section {
  background: var(--color-blue-gradient);
  color: var(--color-white);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner-section h2 {
  color: var(--color-white);
  font-size: clamp(2rem, 3.2vw, 2.8rem);
  margin-bottom: 14px;
}

.cta-banner-section p {
  color: #e0edff;
  font-size: 1.15rem;
  max-width: 650px;
  margin: 0 auto 30px auto;
}

.cta-buttons-group {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* ==========================================================================
   FOOTER & REGULATORY DISCLAIMER
   ========================================================================== */
.main-footer {
  background-color: var(--color-navy-dark);
  color: #94a3b8;
  padding: 70px 0 30px 0;
  font-size: 0.925rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 50px;
}

.footer-col h4 {
  color: var(--color-white);
  font-size: 1.1rem;
  margin-bottom: 20px;
  position: relative;
}

.footer-about p {
  margin-top: 14px;
  line-height: 1.65;
  color: #cbd5e1;
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: #cbd5e1;
}

.footer-links a:hover {
  color: #60a5fa;
  padding-left: 4px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  color: #cbd5e1;
}

.footer-contact-item svg {
  color: #60a5fa;
  margin-top: 3px;
  flex-shrink: 0;
}

/* Regulatory Disclaimer in Footer */
.footer-disclaimer-box {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 24px;
  margin-bottom: 40px;
  font-size: 0.825rem;
  line-height: 1.6;
  color: #94a3b8;
}

.footer-disclaimer-box strong {
  color: #e2e8f0;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.85rem;
}

.footer-bottom-links {
  display: flex;
  gap: 20px;
}

.footer-bottom-links a {
  color: #cbd5e1;
}

.footer-bottom-links a:hover {
  color: #60a5fa;
}

/* ==========================================================================
   FLOATING ACTION BUTTONS & MOBILE BOTTOM BAR
   ========================================================================== */
.floating-whatsapp {
  position: fixed;
  bottom: 84px;
  right: 24px;
  z-index: 990;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background-color: var(--color-whatsapp);
  color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  box-shadow: 0 4px 18px rgba(37, 211, 102, 0.4);
  transition: transform var(--transition-fast);
}

.floating-whatsapp:hover {
  transform: scale(1.1);
  color: var(--color-white);
}

.floating-whatsapp .badge {
  position: absolute;
  top: -2px;
  right: -2px;
  background-color: var(--color-red-danger);
  color: var(--color-white);
  font-size: 0.65rem;
  font-weight: 800;
  padding: 2px 6px;
  border-radius: 10px;
  border: 2px solid var(--color-white);
}

/* Mobile Sticky Bottom Bar */
.mobile-bottom-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: var(--color-white);
  border-top: 1px solid var(--color-border);
  box-shadow: 0 -4px 15px rgba(0, 0, 0, 0.06);
  z-index: 999;
  padding: 8px 14px;
}

.mobile-bottom-bar-inner {
  display: grid;
  grid-template-columns: 1fr 1fr 1.2fr;
  gap: 8px;
}

.mobile-bar-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
  padding: 8px;
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
  font-weight: 700;
  text-align: center;
  text-decoration: none;
}

.mobile-bar-btn.call {
  background: var(--color-bg-subtle);
  color: var(--color-navy-dark);
  border: 1px solid var(--color-border);
}

.mobile-bar-btn.whatsapp {
  background: #e8f9ee;
  color: #128c7e;
  border: 1px solid #b2ecd0;
}

.mobile-bar-btn.apply {
  background: var(--color-blue-gradient);
  color: var(--color-white);
  flex-direction: row;
  font-size: 0.85rem;
}

/* ==========================================================================
   MODAL LEAD FORM WIZARD
   ========================================================================== */
.modal-overlay {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(10, 27, 57, 0.7);
  backdrop-filter: blur(4px);
  z-index: 2500;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.modal-overlay.active {
  display: flex;
}

.modal-content {
  background: var(--color-white);
  width: 100%;
  max-width: 520px;
  border-radius: var(--radius-xl);
  padding: 34px;
  position: relative;
  box-shadow: var(--shadow-xl);
  animation: modalFadeIn 0.3s ease-out;
}

@keyframes modalFadeIn {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

.modal-close-btn {
  position: absolute;
  top: 18px;
  right: 18px;
  background: var(--color-bg-subtle);
  border: none;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-navy-dark);
  font-size: 1.2rem;
  transition: var(--transition-fast);
}

.modal-close-btn:hover {
  background: var(--color-border);
}

.modal-progress {
  display: flex;
  gap: 8px;
  margin-bottom: 24px;
}

.progress-step {
  flex: 1;
  height: 4px;
  background: var(--color-border);
  border-radius: 2px;
  transition: var(--transition-fast);
}

.progress-step.active {
  background: var(--color-primary-blue);
}

/* Wizard Step Layout */
.wizard-step {
  display: none;
}

.wizard-step.active {
  display: block;
}

/* ==========================================================================
   PAGE-SPECIFIC STYLES (ABOUT, SERVICES, CONTACT)
   ========================================================================== */
.page-hero {
  background: var(--color-hero-gradient);
  padding: 60px 0;
  text-align: center;
  border-bottom: 1px solid var(--color-border);
}

.page-hero h1 {
  font-size: clamp(2.2rem, 3.6vw, 3rem);
  margin-bottom: 12px;
}

.page-hero p {
  color: var(--color-text-muted);
  font-size: 1.1rem;
  max-width: 650px;
  margin: 0 auto;
}

.content-block {
  padding: 60px 0;
}

.about-values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 40px;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 40px;
  margin-top: 40px;
}

.contact-info-card {
  background: var(--color-navy-dark);
  color: var(--color-white);
  border-radius: var(--radius-xl);
  padding: 40px 34px;
}

.contact-info-card h3 {
  color: var(--color-white);
  margin-bottom: 14px;
}

.contact-detail-row {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-top: 24px;
}

.contact-icon-box {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.1);
  color: #60a5fa;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

/* ==========================================================================
   MOBILE OFF-CANVAS DRAWER & INTERACTIVE APP-LIKE UX
   ========================================================================== */
.drawer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(7, 24, 51, 0.72);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  z-index: 2100;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.35s cubic-bezier(0.4, 0, 0.2, 1), visibility 0.35s ease;
}

.drawer-overlay.active {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(360px, 88vw);
  background: #ffffff;
  background-image: 
    radial-gradient(circle at 100% 0%, rgba(23, 106, 184, 0.05) 0%, transparent 40%),
    radial-gradient(circle at 0% 100%, rgba(4, 195, 152, 0.05) 0%, transparent 40%);
  z-index: 2101;
  transform: translateX(105%);
  transition: transform 0.38s cubic-bezier(0.33, 1, 0.68, 1);
  display: flex;
  flex-direction: column;
  box-shadow: -12px 0 45px rgba(14, 41, 84, 0.28);
  border-left: 1px solid rgba(23, 106, 184, 0.15);
}

.mobile-drawer.active {
  transform: translateX(0);
}

.drawer-header {
  padding: 10px 16px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid var(--color-border-light);
  background: #ffffff;
  box-shadow: 0 2px 8px rgba(14, 41, 84, 0.05);
  flex-shrink: 0;
  z-index: 10;
  position: relative;
}

.drawer-logo img {
  height: 36px !important;
  width: auto !important;
  max-width: 140px !important;
  object-fit: contain !important;
  display: block;
}

.drawer-close-btn {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid var(--color-border);
  background: var(--color-bg-subtle);
  color: var(--color-primary-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  cursor: pointer;
  transition: var(--transition-fast);
}

.drawer-close-btn:active {
  transform: scale(0.92);
  background: var(--color-primary-navy);
  color: #ffffff;
}

.drawer-body {
  flex: 1;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  padding: 16px 14px 95px 14px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  overscroll-behavior: contain;
}

.drawer-body > * {
  flex-shrink: 0;
}

/* 1. Advisor Live Status Card in Drawer */
.drawer-advisor-card {
  background: linear-gradient(135deg, #071833 0%, #0E2954 55%, #176AB8 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 12px 14px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 6px 20px rgba(14, 41, 84, 0.2);
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.1);
  flex-shrink: 0;
}

.drawer-advisor-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.08) 1px, transparent 1px);
  background-size: 14px 14px;
  pointer-events: none;
  opacity: 0.5;
}

.drawer-advisor-card::after {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 100px;
  height: 100px;
  background: radial-gradient(circle, rgba(4, 195, 152, 0.4) 0%, transparent 70%);
  pointer-events: none;
}

.drawer-advisor-avatar {
  position: relative;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 2px solid var(--color-teal-accent);
  overflow: hidden;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
}

.drawer-advisor-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.drawer-advisor-avatar .online-indicator {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: #22c55e;
  border: 2px solid #0E2954;
}

.drawer-advisor-info {
  flex: 1;
  min-width: 0;
  position: relative;
  z-index: 1;
}

.drawer-advisor-info .name {
  font-size: 0.9rem;
  font-weight: 700;
  color: #ffffff;
  font-family: var(--font-heading);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  display: flex;
  align-items: center;
  gap: 5px;
}

.drawer-advisor-info .status {
  font-size: 0.72rem;
  color: #93c5fd;
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 2px;
}

.pulse-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #22c55e;
  animation: pulseGreen 1.6s infinite ease-in-out;
}

@keyframes pulseGreen {
  0% { transform: scale(0.9); box-shadow: 0 0 0 0 rgba(34, 197, 94, 0.7); }
  70% { transform: scale(1.1); box-shadow: 0 0 0 6px rgba(34, 197, 94, 0); }
  100% { transform: scale(0.9); box-shadow: 0 0 0 0 rgba(34, 197, 94, 0); }
}

.drawer-advisor-btn {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #25d366;
  color: #ffffff !important;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(37, 211, 102, 0.35);
  transition: transform var(--transition-fast);
  position: relative;
  z-index: 1;
}

.drawer-advisor-btn:active {
  transform: scale(0.9);
}

/* 2. Mini App-Style Quick Actions */
.drawer-quick-actions-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}

.drawer-action-tile {
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 10px 12px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
  color: var(--color-navy-dark);
}

.drawer-action-tile:hover, .drawer-action-tile:active {
  background: var(--color-primary-light);
  border-color: var(--color-primary-blue);
  transform: translateY(-1px);
}

.drawer-action-tile i {
  font-size: 1.1rem;
  color: var(--color-primary-blue);
  margin-bottom: 2px;
}

.drawer-action-tile span {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--color-navy-dark);
  line-height: 1.2;
}

.drawer-action-tile small {
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--color-teal-accent);
}

/* 3. Drawer Section Headers */
.drawer-section-title {
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #64748b;
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 6px;
}

/* 4. Categorized Drawer Navigation */
.drawer-nav-list {
  display: flex;
  flex-direction: column;
  gap: 3px;
}

.drawer-nav-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 8px 10px;
  border-radius: var(--radius-md);
  color: var(--color-navy-dark);
  font-weight: 600;
  font-size: 0.9rem;
  transition: all var(--transition-fast);
  background: transparent;
}

.drawer-nav-link:hover, .drawer-nav-link:active {
  background: var(--color-primary-light);
  color: var(--color-primary-blue);
  transform: translateX(3px);
}

.drawer-nav-link.active {
  background: var(--color-primary-light);
  color: var(--color-primary-blue);
  font-weight: 700;
}

.drawer-nav-icon {
  width: 32px;
  height: 32px;
  border-radius: var(--radius-sm);
  background: var(--color-bg-subtle);
  color: var(--color-primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  flex-shrink: 0;
  transition: var(--transition-fast);
}

.drawer-nav-link:hover .drawer-nav-icon,
.drawer-nav-link.active .drawer-nav-icon {
  background: var(--color-primary-blue);
  color: #ffffff;
}

.drawer-nav-text {
  flex: 1;
}

.drawer-badge {
  font-size: 0.65rem;
  font-weight: 700;
  padding: 2px 7px;
  border-radius: var(--radius-full);
  background: rgba(23, 106, 184, 0.1);
  color: var(--color-primary-blue);
}

.drawer-badge.teal {
  background: rgba(4, 195, 152, 0.15);
  color: var(--color-green-dark);
}

.drawer-chevron {
  font-size: 0.72rem;
  color: #94a3b8;
}

/* 5. Quick Loan Categories Chips */
.drawer-product-chips {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
}

.drawer-chip {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 10px;
  border-radius: var(--radius-sm);
  background: var(--color-bg-subtle);
  border: 1px solid var(--color-border);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--color-navy-dark);
  transition: var(--transition-fast);
  text-decoration: none;
}

.drawer-chip i {
  color: var(--color-primary-blue);
  font-size: 0.88rem;
}

.drawer-chip div {
  display: flex;
  flex-direction: column;
}

.drawer-chip div span {
  font-weight: 700;
  line-height: 1.2;
}

.drawer-chip div small {
  font-size: 0.65rem;
  color: var(--color-teal-accent);
}

.drawer-chip:active {
  background: var(--color-primary-light);
  border-color: var(--color-primary-blue);
  color: var(--color-primary-blue);
}

/* 6. High-Impact CTA Promo Card */
.drawer-cta-banner {
  background: linear-gradient(135deg, #071833 0%, #0E2954 45%, #176AB8 80%, #04C398 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 18px 16px;
  position: relative;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(14, 41, 84, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.12);
  flex-shrink: 0;
  margin: 4px 0;
}

.drawer-cta-banner::before {
  content: '₹';
  position: absolute;
  right: 6px;
  bottom: -16px;
  font-size: 5.5rem;
  font-weight: 900;
  color: rgba(255, 255, 255, 0.08);
  pointer-events: none;
  line-height: 1;
  font-family: var(--font-heading);
}

.drawer-cta-banner::after {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(4, 195, 152, 0.4) 0%, transparent 70%);
  pointer-events: none;
}

.drawer-cta-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.65rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #04C398;
  background: rgba(255, 255, 255, 0.15);
  padding: 3px 9px;
  border-radius: var(--radius-full);
  margin-bottom: 8px;
}

.drawer-cta-banner h4 {
  color: #ffffff;
  font-size: 0.98rem;
  font-weight: 800;
  line-height: 1.3;
  margin-bottom: 4px;
  position: relative;
  z-index: 1;
}

.drawer-cta-banner p {
  font-size: 0.74rem;
  color: #e2e8f0;
  line-height: 1.45;
  margin-bottom: 12px;
  position: relative;
  z-index: 1;
}

.drawer-cta-banner .btn {
  background: #ffffff !important;
  color: var(--color-primary-navy) !important;
  font-weight: 700 !important;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.18);
  border: none;
  font-size: 0.85rem;
  padding: 9px 14px;
  position: relative;
  z-index: 1;
}

.drawer-cta-banner .btn:active {
  transform: scale(0.96);
}

/* 7. Quick Direct Contact Box */
.drawer-contact-box {
  flex-shrink: 0;
  padding-bottom: 24px;
}

.drawer-contact-btns {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.drawer-contact-btn {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 700;
  transition: var(--transition-fast);
}

.drawer-contact-btn.phone {
  background: var(--color-bg-subtle);
  color: var(--color-primary-navy);
  border: 1px solid var(--color-border);
}

.drawer-contact-btn.whatsapp {
  background: #f0fdf4;
  color: #166534;
  border: 1px solid #bbf7d0;
}

.drawer-contact-btn i {
  font-size: 1.1rem;
}

.drawer-contact-btn.whatsapp i {
  color: #22c55e;
}

.drawer-office-note {
  font-size: 0.74rem;
  color: #64748b;
  margin-top: 8px;
  line-height: 1.4;
  display: flex;
  align-items: flex-start;
  gap: 6px;
}

.drawer-office-note i {
  color: var(--color-primary-blue);
  margin-top: 2px;
}

/* 8. Interactive Quick Amount Preset Chips */
.quick-amount-chips {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-top: 10px;
}

.amount-chip {
  padding: 4px 11px;
  border-radius: var(--radius-full);
  border: 1px solid var(--color-border);
  background: var(--color-bg-subtle);
  color: var(--color-navy-dark);
  font-size: 0.76rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.amount-chip:hover, .amount-chip.active {
  background: var(--color-primary-blue);
  color: #ffffff;
  border-color: var(--color-primary-blue);
  box-shadow: 0 2px 8px rgba(23, 106, 184, 0.3);
}

/* ==========================================================================
   HERO BUTTONS & QUICK FORM GRID HELPER CLASSES
   ========================================================================== */
.hero-cta-btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* ==========================================================================
   PAGE-SPECIFIC RESPONSIVE CARDS & UTILITY CLASSES
   ========================================================================== */
/* 1. About Page Story & Philosophy Showcase Card */
.about-story-card {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 36px;
  align-items: center;
  margin: 36px 0;
  background: var(--color-bg-subtle);
  border-radius: var(--radius-xl);
  padding: 32px;
  border: 1px solid var(--color-border);
}

.story-img-box {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 3px solid #fff;
}

.story-img-box img {
  width: 100%;
  height: 280px;
  object-fit: cover;
  display: block;
}

.story-img-badge {
  position: absolute;
  bottom: 12px;
  left: 12px;
  right: 12px;
  background: rgba(14, 41, 84, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: #fff;
  border-radius: var(--radius-sm);
  padding: 8px 14px;
  font-size: 0.825rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 8px;
}

.story-badges-row {
  display: flex;
  gap: 16px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--color-primary-navy);
  margin-top: 14px;
  flex-wrap: wrap;
}

.about-what-we-do-box {
  background: var(--color-white);
  border-radius: var(--radius-xl);
  padding: 40px;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  margin-bottom: 40px;
}

/* 2. Services Page Deep Dive Cards (Desktop & Mobile Optimized) */
.service-deepdive-card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 36px;
  margin-bottom: 36px;
  box-shadow: 0 4px 20px rgba(14, 41, 84, 0.05);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.service-deepdive-card:hover {
  box-shadow: 0 10px 30px rgba(14, 41, 84, 0.08);
}

.service-card-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 36px;
  align-items: center;
}

.service-card-grid.reverse {
  grid-template-columns: 1.15fr 1fr;
}

.service-card-grid.reverse .service-media-wrap {
  order: 2;
}

.service-card-grid.reverse .service-content-wrap {
  order: 1;
}

.service-media-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 6px 20px rgba(14, 41, 84, 0.1);
  border: 3px solid #ffffff;
  height: 330px;
}

.service-media-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  transition: transform 0.4s ease;
}

.service-deepdive-card:hover .service-media-wrap img {
  transform: scale(1.03);
}

.service-media-badge {
  position: absolute;
  bottom: 12px;
  left: 12px;
  right: 12px;
  background: rgba(14, 41, 84, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: #ffffff;
  border-radius: var(--radius-sm);
  padding: 8px 12px;
  font-size: 0.8rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
}

.service-media-badge i {
  color: var(--color-teal-accent);
  font-size: 0.9rem;
}

.service-header-box {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}

.service-header-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--color-primary-light);
  color: var(--color-primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}

.service-header-titles h2 {
  font-size: 1.65rem;
  margin-bottom: 2px;
  color: var(--color-primary-navy);
}

.service-header-titles span {
  font-size: 0.86rem;
  color: var(--color-primary-blue);
  font-weight: 600;
  display: block;
}

.service-desc {
  color: var(--color-text-muted);
  font-size: 0.98rem;
  line-height: 1.65;
  margin-bottom: 18px;
}

.service-spec-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 22px;
}

.service-spec-item {
  background: var(--color-bg-subtle);
  padding: 12px 14px;
  border-radius: var(--radius-md);
  border-left: 3px solid var(--color-primary-blue);
  border-top: 1px solid var(--color-border-light);
  border-right: 1px solid var(--color-border-light);
  border-bottom: 1px solid var(--color-border-light);
}

.service-spec-item strong {
  display: block;
  font-size: 0.74rem;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 2px;
}

.service-spec-item span {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-navy-dark);
}

.service-cta-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* 3. Contact Page Cards */
.contact-form-card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}

.contact-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}

.about-disclaimer-box {
  background: linear-gradient(135deg, var(--color-navy-dark), #102a5c);
  color: var(--color-white);
  border-radius: var(--radius-xl);
  padding: 40px;
  margin-bottom: 40px;
}

.about-commitment-box {
  background: var(--color-white);
  border: 2px solid var(--color-primary-blue);
  border-radius: var(--radius-xl);
  padding: 36px;
  margin-bottom: 50px;
}

.about-cta-box {
  text-align: center;
  background: var(--color-bg-subtle);
  padding: 40px;
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
}

.calc-info-card {
  margin-top: 40px;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 30px;
}

.hero-quick-form-grid {
  display: grid;
  grid-template-columns: 1.2fr 1.3fr 1fr 1fr 1.1fr;
  gap: 14px;
  align-items: flex-end;
}

/* ==========================================================================
   RESPONSIVE MEDIA QUERIES (FULL DEVICE & 100%-150% SCALING SUPPORT)
   ========================================================================== */

/* Hide mobile drawer on desktop */
@media (min-width: 992px) {
  .drawer-overlay,
  .mobile-drawer {
    display: none !important;
  }
}

/* 1. Large Laptops / 125% Display Scaling (max-width: 1280px) */
@media (max-width: 1280px) {
  .container {
    padding-left: 24px;
    padding-right: 24px;
  }
  .hero-grid {
    gap: 32px;
  }
  .nav-menu {
    gap: 18px;
  }
  .nav-link {
    font-size: 0.9rem;
  }
  .floating-badge.badge-top-right {
    top: 10px;
    right: 0;
  }
  .floating-badge.badge-bottom-left {
    bottom: 10px;
    left: 0;
  }
  .hero-quick-form-grid {
    grid-template-columns: 1.2fr 1.3fr 1fr 1fr 1.1fr;
    gap: 10px;
  }
}

/* 2. Standard Laptops / 150% Display Scaling (max-width: 1120px) */
@media (max-width: 1120px) {
  .nav-menu {
    gap: 14px;
  }
  .nav-link {
    font-size: 0.86rem;
  }
  /* Hide the secondary Call Advisor button in header so nav links have plenty of room */
  .nav-cta-group .btn-secondary {
    display: none !important;
  }
  .top-bar-item:last-child {
    display: none; /* Hide street address in top bar to keep it on a single line */
  }
  .hero-quick-form-grid {
    grid-template-columns: repeat(3, 1fr) !important;
  }
  .hero-quick-form-grid > div:last-child {
    grid-column: span 3;
  }
}

/* 3. Tablets Landscape & High-Zoom Viewports (max-width: 991px) */
@media (max-width: 991px) {
  .top-bar {
    display: none;
  }
  .mobile-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    border-radius: var(--radius-sm);
    background: var(--color-bg-subtle);
    border: 1px solid var(--color-border);
    color: var(--color-primary-navy);
    cursor: pointer;
  }
  .mobile-header-apply {
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    gap: 6px;
    height: 36px;
    padding: 0 14px;
    font-size: 0.8rem;
    font-weight: 700;
    border-radius: var(--radius-full);
    background: var(--color-blue-gradient);
    color: #ffffff !important;
    border: none;
    box-shadow: 0 3px 10px rgba(23, 106, 184, 0.35);
    cursor: pointer;
    transition: transform var(--transition-fast);
  }
  .mobile-header-apply:active {
    transform: scale(0.94);
  }
  .nav-menu {
    display: none !important; /* Managed by #mobileDrawer */
  }
  .nav-cta-group .btn {
    display: none !important;
  }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .hero-visual-wrap {
    order: 2;
    padding: 10px 0;
  }
  .spotlight-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .spotlight-img-wrap {
    order: -1;
  }
  .products-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .calc-grid {
    grid-template-columns: 1fr;
    padding: 28px 20px;
    gap: 28px;
  }
  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .advisor-banner-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .contact-grid {
    grid-template-columns: 1fr;
  }
  .hero-quick-form-grid {
    grid-template-columns: 1fr 1fr !important;
  }
  .hero-quick-form-grid > div:last-child {
    grid-column: span 2;
  }
  .service-card-grid,
  .service-card-grid.reverse {
    grid-template-columns: 1fr !important;
    gap: 24px !important;
  }
  .service-card-grid .service-media-wrap,
  .service-card-grid.reverse .service-media-wrap {
    order: -1 !important;
    height: 240px !important;
  }
  .service-card-grid .service-content-wrap,
  .service-card-grid.reverse .service-content-wrap {
    order: 1 !important;
  }
  .service-media-wrap img {
    height: 240px !important;
  }
}

/* 4. Tablets Portrait & Medium Screens (max-width: 768px) */
@media (max-width: 768px) {
  body {
    padding-bottom: 60px;
  }
  .header-inner {
    height: 58px;
  }
  .mobile-bottom-bar {
    display: block;
  }
  .floating-whatsapp,
  .whatsapp-floating-btn {
    bottom: 74px !important;
    right: 14px !important;
    width: 44px !important;
    height: 44px !important;
    font-size: 1.35rem !important;
  }
  .floating-whatsapp .badge {
    top: -3px !important;
    right: -3px !important;
    font-size: 0.58rem !important;
    padding: 1px 5px !important;
  }
  .about-story-card {
    grid-template-columns: 1fr !important;
    gap: 20px !important;
    padding: 20px 16px !important;
    margin: 24px 0 !important;
  }
  .story-img-box img {
    height: 200px !important;
  }
  .about-what-we-do-box {
    padding: 22px 16px !important;
    margin-bottom: 24px !important;
  }
  .about-disclaimer-box {
    padding: 22px 16px !important;
    margin-bottom: 24px !important;
  }
  .about-commitment-box {
    padding: 22px 16px !important;
    margin-bottom: 28px !important;
  }
  .about-cta-box {
    padding: 24px 16px !important;
  }
  .service-deepdive-card {
    padding: 20px 16px !important;
    margin-bottom: 24px !important;
  }
  .contact-form-card,
  .contact-info-card {
    padding: 22px 16px !important;
  }
  .calc-info-card {
    padding: 20px 16px !important;
    margin-top: 24px !important;
  }
  .hero-rates-bar {
    grid-template-columns: 1fr;
    gap: 8px;
    padding: 10px 12px;
    background: #ffffff;
    border: 1px solid rgba(23, 106, 184, 0.2);
  }
  .hero-rate-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 8px 10px;
    border-radius: var(--radius-sm);
    background: var(--color-bg-subtle);
  }
  .hero-rate-item:not(:last-child) {
    border-right: none;
    border-bottom: none;
    padding-bottom: 8px;
    margin-bottom: 4px;
  }
  .hero-rate-item .type {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.8rem;
    font-weight: 700;
  }
  .hero-rate-item .rate {
    font-size: 1.15rem;
    margin-top: 0;
  }
  .hero-quick-form-grid {
    grid-template-columns: 1fr !important;
  }
  .hero-quick-form-grid > div:last-child {
    grid-column: auto;
  }
  .floating-badge {
    padding: 8px 12px;
    gap: 8px;
  }
  .floating-badge-icon {
    width: 30px;
    height: 30px;
    font-size: 0.82rem;
  }
  .floating-badge-text .val {
    font-size: 0.8rem;
  }
  .floating-badge-text .label {
    font-size: 0.62rem;
  }
  .floating-badge.badge-top-right {
    top: 8px;
    right: 8px;
  }
  .floating-badge.badge-bottom-left {
    bottom: 8px;
    left: 8px;
  }
  .trust-stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
  }
  .trust-stat-item {
    border-right: none;
    border-bottom: 1px solid var(--color-border-light);
    padding-bottom: 14px;
  }
  .products-grid {
    grid-template-columns: 1fr;
  }
  .process-grid {
    grid-template-columns: 1fr;
  }
  .why-grid {
    grid-template-columns: 1fr;
  }
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
  .docs-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 12px;
  }
}

/* 5. Mobile Phones & High-Zoom Screens (max-width: 600px) */
@media (max-width: 600px) {
  .hero-section {
    padding: 28px 0 50px 0;
  }
  .hero-title {
    font-size: clamp(1.85rem, 6.5vw, 2.3rem);
    margin-bottom: 16px;
  }
  .hero-desc {
    font-size: 0.98rem;
    margin-bottom: 22px;
  }
  .hero-features-list {
    grid-template-columns: 1fr;
    gap: 10px;
    margin-bottom: 24px;
  }
  .hero-cta-btns {
    flex-direction: column;
    width: 100%;
    gap: 12px;
  }
  .hero-cta-btns .btn {
    width: 100%;
    justify-content: center;
    text-align: center;
    box-shadow: 0 4px 14px rgba(23, 106, 184, 0.25);
  }
  .hero-visual-card {
    max-width: 100%;
    border-width: 3px;
  }
  .lead-card {
    padding: 22px 18px !important;
  }
  .calc-tabs {
    flex-direction: column;
  }
  .calc-tab-btn {
    padding: 12px 16px;
    font-size: 0.9rem;
  }
  .calc-summary-card {
    padding: 20px 16px;
  }
  .summary-emi-hero {
    padding: 16px;
  }
  .summary-emi-hero .amount {
    font-size: 1.85rem;
  }
  .summary-item.total .val {
    font-size: 1.45rem;
  }
  .modal-content {
    padding: 24px 18px;
    max-height: 92vh;
    overflow-y: auto;
  }
  .partners-badges {
    gap: 8px;
    justify-content: center;
  }
  .partner-badge {
    font-size: 0.82rem;
    padding: 6px 12px;
  }
  .partners-title {
    text-align: center;
    margin-bottom: 12px;
  }
  .site-logo {
    height: 38px !important;
  }
  .header-inner {
    height: 58px;
  }
  .contact-form-row {
    grid-template-columns: 1fr !important;
    gap: 12px !important;
  }
  .service-card-grid .service-media-wrap,
  .service-card-grid.reverse .service-media-wrap {
    height: 190px !important;
  }
  .service-media-wrap img {
    height: 190px !important;
  }
  .service-spec-grid {
    grid-template-columns: 1fr !important;
    gap: 8px !important;
  }
  .service-header-titles h2 {
    font-size: 1.35rem !important;
  }
}

/* ==========================================================================
   HOMEPAGE DEDICATED ENQUIRY SECTION & RESPONSIVE FORM
   ========================================================================== */
.home-enquiry-section {
  background: linear-gradient(180deg, #f8fafc 0%, #edf4fc 100%);
  padding: 70px 0;
  border-top: 1px solid #e2e8f0;
  border-bottom: 1px solid #e2e8f0;
}

.home-enquiry-card {
  max-width: 1160px;
  margin: 0 auto;
  background: #ffffff;
  border-radius: 20px;
  box-shadow: 0 10px 40px rgba(14, 41, 84, 0.08);
  border: 1px solid #dbeafe;
  overflow: hidden;
}

.enquiry-split-grid {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  min-height: 540px;
}

.enquiry-left-col {
  background: linear-gradient(145deg, #0E2954 0%, #176AB8 100%);
  padding: 44px 36px;
  color: #ffffff;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.enquiry-heading {
  font-size: clamp(1.5rem, 2.4vw, 2.2rem);
  font-weight: 800;
  line-height: 1.25;
  margin-bottom: 14px;
  color: #ffffff;
}

.enquiry-subtext {
  color: #cbd5e1;
  font-size: 0.95rem;
  line-height: 1.65;
  margin-bottom: 24px;
}

.enquiry-bullets {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 28px;
}

.enquiry-bullet-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  color: #e2e8f0;
}

.enquiry-bullet-item i {
  color: #4ade80;
  font-size: 1.1rem;
  margin-top: 2px;
  flex-shrink: 0;
}

.enquiry-urgent-box {
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 12px;
  padding: 18px;
  backdrop-filter: blur(10px);
}

.enquiry-urgent-title {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #93c5fd;
  font-weight: 700;
  margin-bottom: 6px;
}

.enquiry-urgent-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.enquiry-call-btn {
  background: #ffffff;
  color: #0E2954;
  font-weight: 700;
  flex: 1;
  justify-content: center;
}

.enquiry-right-col {
  padding: 38px 36px;
}

.enquiry-form-title {
  font-size: 1.4rem;
  color: var(--color-primary-navy);
  margin-bottom: 4px;
  font-weight: 800;
}

.enquiry-form-desc {
  font-size: 0.88rem;
  color: var(--color-text-muted);
}

.form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.enquiry-security-badges {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 12px;
  font-size: 0.78rem;
  color: #64748b;
  flex-wrap: wrap;
}

/* Responsive Overrides for Split Grid on Tablets & Mobile */
@media (max-width: 991px) {
  .home-enquiry-section {
    padding: 40px 0;
  }
  .enquiry-split-grid {
    grid-template-columns: 1fr !important;
    min-height: auto;
  }
  .enquiry-left-col {
    padding: 32px 24px !important;
  }
  .enquiry-right-col {
    padding: 32px 24px !important;
  }
}

@media (max-width: 640px) {
  .home-enquiry-section {
    padding: 28px 0;
  }
  .home-enquiry-card {
    border-radius: 16px;
    margin: 0 4px;
  }
  .enquiry-left-col {
    padding: 24px 18px !important;
  }
  .enquiry-right-col {
    padding: 24px 16px !important;
  }
  .form-row-2 {
    grid-template-columns: 1fr !important;
    gap: 0 !important;
  }
  .enquiry-urgent-btns {
    flex-direction: column;
  }
  .enquiry-urgent-btns .btn {
    width: 100%;
  }
}