/* ========== RESET & BASE ========== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: #1a1a2e; background: #fff; line-height: 1.6; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; }

/* ========== VARIABLES ========== */
:root {
  --primary: #1a6ef5;
  --primary-dark: #1253c2;
  --accent: #ff6b2b;
  --dark: #0f0f23;
  --gray-bg: #f7f9fc;
  --border: #e8edf5;
  --text-light: #6b7280;
  --green: #16a34a;
  --radius: 16px;
  --shadow: 0 4px 24px rgba(26,110,245,0.10);
  --shadow-lg: 0 8px 40px rgba(26,110,245,0.18);
}

/* ========== UTILITIES ========== */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.highlight { color: var(--primary); }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 12px 28px; border-radius: 50px; font-weight: 600;
  font-size: 15px; cursor: pointer; transition: all 0.2s; border: none;
  white-space: nowrap;
}
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-outline { background: transparent; color: var(--primary); border: 2px solid var(--primary); }
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-lg { padding: 16px 36px; font-size: 16px; }
.btn-full { width: 100%; }
.section { padding: 80px 0; }
.section-gray { background: var(--gray-bg); }
.section-dark { background: var(--dark); }
.section-steps { background: #f8faff; }
.section-label {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(22,163,74,0.08); color: #16a34a;
  font-size: 13px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase;
  padding: 6px 16px; border-radius: 50px; margin-bottom: 16px;
  border: 1px solid rgba(22,163,74,0.2);
}
.section-label::before {
  content: '';
  width: 8px; height: 8px;
  background: #16a34a;
  border-radius: 50%;
  display: inline-block;
  box-shadow: 0 0 0 3px rgba(22,163,74,0.2);
  animation: ping 1.5s ease-out infinite;
}
.section-label.light { background: rgba(255,255,255,0.1); color: #fff; border-color: rgba(255,255,255,0.2); }
.section-label.light::before { background: #fff; box-shadow: 0 0 0 3px rgba(255,255,255,0.2); }
.section-title { font-size: clamp(28px, 4vw, 42px); font-weight: 800; line-height: 1.2; margin-bottom: 16px; }
.section-title.light { color: #fff; }
.section-sub { color: var(--text-light); font-size: 17px; max-width: 560px; margin-bottom: 48px; }

/* ========== NAVBAR ========== */
.navbar {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,0.95); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border); padding: 0;
}
.nav-inner { display: flex; align-items: center; gap: 32px; height: 68px; }
.logo { font-size: 22px; font-weight: 900; color: var(--dark); }
.logo span { color: var(--primary); }
.logo.white { color: #fff; }
.logo.white span { color: #60a5fa; }
.nav-links { display: flex; gap: 28px; margin-left: auto; }
.nav-links a { font-size: 14px; font-weight: 500; color: #374151; transition: color 0.2s; }
.nav-links a:hover { color: var(--primary); }
.nav-cta { margin-left: 8px; padding: 10px 24px; font-size: 14px; }
.hamburger { display: none; font-size: 22px; background: none; border: none; cursor: pointer; margin-left: auto; }
.mobile-menu {
  display: none; flex-direction: column; gap: 12px;
  padding: 16px 24px 20px; border-top: 1px solid var(--border);
  background: #fff;
}
.mobile-menu a { font-size: 15px; font-weight: 500; color: #374151; }
.mobile-menu .btn { width: fit-content; }
.mobile-menu.open { display: flex; }

/* ========== HERO ========== */
.hero {
  background: linear-gradient(135deg, #f0f7ff 0%, #e8f4ff 50%, #f0f7ff 100%);
  padding: 72px 0 80px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; top: -100px; right: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(26,110,245,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-inner { display: grid; grid-template-columns: 1fr 420px; gap: 60px; align-items: center; position: relative; }
.badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid var(--border);
  border-radius: 50px; padding: 6px 16px; font-size: 13px;
  font-weight: 600; color: #374151; margin-bottom: 20px; box-shadow: var(--shadow);
}
.live-dot {
  position: relative; width: 10px; height: 10px; flex-shrink: 0;
}
.live-dot::before {
  content: ''; position: absolute; inset: 0;
  background: #22c55e; border-radius: 50%;
}
.live-dot::after {
  content: ''; position: absolute; inset: -3px;
  background: rgba(34, 197, 94, 0.4); border-radius: 50%;
  animation: ping 1.5s ease-out infinite;
}
@keyframes ping {
  0% { transform: scale(1); opacity: 0.8; }
  100% { transform: scale(2.2); opacity: 0; }
}
.hero-text h1 { font-size: clamp(32px, 4.5vw, 52px); font-weight: 900; line-height: 1.15; margin-bottom: 20px; }
.hero-sub { font-size: 18px; color: #4b5563; margin-bottom: 28px; max-width: 500px; }
.hero-bullets { display: flex; flex-direction: column; gap: 10px; margin-bottom: 36px; }
.hero-bullets li { font-size: 15px; color: #374151; display: flex; align-items: center; gap: 8px; }
.hero-cta-group { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 20px; }
.hero-note { font-size: 13px; color: var(--text-light); }

/* LOAN CALCULATOR CARD */
.loan-calc {
  background: #fff; border-radius: var(--radius); padding: 32px;
  box-shadow: var(--shadow-lg); border: 1px solid var(--border);
}
.loan-calc h3 { font-size: 20px; font-weight: 800; margin-bottom: 24px; color: var(--dark); }
.loan-calc label { display: block; font-size: 13px; font-weight: 600; color: var(--text-light); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.5px; }
.loan-calc input[type="range"] {
  width: 100%; accent-color: var(--primary); height: 6px;
  border-radius: 4px; cursor: pointer; margin-bottom: 6px;
}
.range-val { font-size: 20px; font-weight: 700; color: var(--primary); margin-bottom: 20px; }
.tenure-btns { display: flex; gap: 8px; margin-bottom: 20px; }
.tenure-btn {
  flex: 1; padding: 8px; border: 2px solid var(--border); border-radius: 10px;
  background: #fff; font-size: 13px; font-weight: 600; cursor: pointer;
  color: var(--text-light); transition: all 0.2s;
}
.tenure-btn.active, .tenure-btn:hover {
  border-color: var(--primary); color: var(--primary); background: rgba(26,110,245,0.06);
}
.emi-result {
  display: flex; justify-content: space-between; align-items: center;
  background: var(--gray-bg); border-radius: 12px; padding: 16px 20px;
  margin-bottom: 20px;
}
.emi-result span { font-size: 14px; color: var(--text-light); font-weight: 500; }
.emi-result strong { font-size: 22px; font-weight: 800; color: var(--primary); }

/* ========== STATS STRIP ========== */
.stats-strip {
  background: linear-gradient(135deg, #0f2d87 0%, #1a6ef5 50%, #0f2d87 100%);
  padding: 48px 0;
  position: relative;
  overflow: hidden;
}
.stats-strip::before {
  content: '';
  position: absolute;
  top: -60px; left: -60px;
  width: 200px; height: 200px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
}
.stats-strip::after {
  content: '';
  position: absolute;
  bottom: -80px; right: -40px;
  width: 260px; height: 260px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
}
.stats-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: relative;
  z-index: 1;
}
.stat-item {
  text-align: center;
  flex: 1;
  padding: 8px 16px;
}
.stat-icon {
  font-size: 28px;
  margin-bottom: 10px;
  display: block;
}
.stat-item h2 {
  font-size: clamp(22px, 3vw, 36px);
  font-weight: 900;
  color: #fff;
  margin-bottom: 6px;
  letter-spacing: -0.5px;
}
.stat-item p {
  font-size: 13px;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}
.stat-divider {
  width: 1px;
  height: 70px;
  background: rgba(255,255,255,0.2);
  flex-shrink: 0;
}

/* ========== FAST FAIR TRUSTED ========== */
.fft-section {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}
.fft-item {
  background: #1a6ef5;
  padding: 52px 40px;
  text-align: center;
}
.fft-mid {
  background: #1253c2;
}
.fft-item h2 {
  font-size: 36px;
  font-weight: 900;
  color: #fff;
  margin-bottom: 14px;
}
.fft-item p {
  font-size: 16px;
  color: rgba(255,255,255,0.65);
  line-height: 1.7;
  max-width: 260px;
  margin: 0 auto;
}
@media (max-width: 768px) {
  .fft-section { grid-template-columns: 1fr; }
}

/* ========== STEPS ========== */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 36px 24px 32px;
  position: relative; text-align: center;
  border: 2px solid var(--border);
  transition: all 0.25s;
  overflow: hidden;
  opacity: 0;
  transform: translateY(40px);
}
.step-card.animate-in {
  animation: cardReveal 0.6s ease forwards;
}
@keyframes cardReveal {
  0%   { opacity: 0; transform: translateY(40px); border-color: var(--primary); }
  40%  { opacity: 1; transform: translateY(0);    border-color: var(--primary); background: #fff; }
  100% { opacity: 1; transform: translateY(0);    border-color: var(--border); }
}
.step-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), #60a5fa);
}
.step-card:hover {
  border-color: var(--primary);
  transform: translateY(-6px);
  box-shadow: 0 12px 40px rgba(26,110,245,0.12);
}
.step-num {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 6px 16px; border-radius: 50px;
  background: var(--primary); color: #fff; font-size: 12px;
  font-weight: 700; margin-bottom: 20px; letter-spacing: 0.5px;
}
.step-icon-svg {
  width: 68px; height: 68px;
  background: #eff6ff;
  border-radius: 18px; display: flex; align-items: center;
  justify-content: center; margin: 0 auto 20px; color: var(--primary);
}
.step-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 10px; color: #0f172a; min-height: 26px; }
.step-card p { font-size: 14px; color: var(--text-light); line-height: 1.7; opacity: 0; transition: opacity 0.5s; }
.step-card.content-visible p { opacity: 1; }
.step-num { opacity: 0; transition: opacity 0.3s; }
.step-card.animate-in .step-num { opacity: 1; }
.step-icon-svg { opacity: 0; transform: scale(0.7); transition: all 0.4s; }
.step-card.animate-in .step-icon-svg { opacity: 1; transform: scale(1); }

/* ========== FEATURES ========== */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-card {
  background: #fff; border-radius: var(--radius); padding: 32px;
  border: 1px solid var(--border); transition: all 0.2s;
}
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.feature-icon-svg { width: 56px; height: 56px; background: rgba(26,110,245,0.08); border-radius: 14px; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; color: var(--primary); }
.feature-icon-svg svg { stroke: var(--primary); }
.feature-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 10px; }
.feature-card p { font-size: 14px; color: var(--text-light); line-height: 1.6; }

/* ========== ELIGIBILITY ========== */
.eligibility-inner { display: grid; grid-template-columns: 1fr 400px; gap: 80px; align-items: center; }
.eligibility-list { display: flex; flex-direction: column; gap: 24px; margin-bottom: 36px; }
.eligibility-list li { display: flex; gap: 16px; align-items: flex-start; }
.check {
  flex-shrink: 0; width: 28px; height: 28px; background: rgba(22,163,74,0.12);
  color: var(--green); border-radius: 50%; display: flex; align-items: center;
  justify-content: center; font-size: 13px; font-weight: 700; margin-top: 2px;
}
.eligibility-list strong { display: block; font-size: 16px; font-weight: 700; margin-bottom: 4px; }
.eligibility-list p { font-size: 14px; color: var(--text-light); }
.eligibility-visual { background: var(--gray-bg); border-radius: var(--radius); padding: 32px; }
.ev-card { background: #fff; border-radius: 12px; padding: 24px; box-shadow: var(--shadow); }
.ev-row { display: flex; justify-content: space-between; padding: 12px 0; border-bottom: 1px solid var(--border); font-size: 15px; }
.ev-row:last-of-type { border: none; }
.ev-row span { color: var(--text-light); }
.ev-row strong { font-weight: 700; }
.ev-highlight { background: rgba(26,110,245,0.05); border-radius: 8px; padding: 12px 16px; margin: 8px -8px; border: none !important; }
.ev-highlight strong { color: var(--primary); font-size: 18px; }
.ev-badge {
  margin-top: 16px; text-align: center; background: rgba(22,163,74,0.1);
  color: var(--green); font-weight: 700; padding: 10px; border-radius: 8px; font-size: 15px;
  display: flex; align-items: center; justify-content: center; gap: 6px;
}

/* ========== ELIGIBILITY NEW CARD ========== */
.ev-new-card {
  background: #fff;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 8px 40px rgba(26,110,245,0.14);
  border: 1px solid var(--border);
}
.ev-header {
  background: linear-gradient(135deg, #1a6ef5, #0f2d87);
  padding: 24px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.ev-header-icon {
  width: 48px; height: 48px;
  background: rgba(255,255,255,0.15);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.ev-header-label { color: #fff; font-size: 15px; font-weight: 700; margin-bottom: 2px; }
.ev-header-sub { color: rgba(255,255,255,0.7); font-size: 12px; }
.ev-status-dot {
  margin-left: auto; width: 12px; height: 12px;
  background: #22c55e; border-radius: 50%;
  box-shadow: 0 0 0 4px rgba(34,197,94,0.3);
  animation: ping 1.5s ease-out infinite;
  flex-shrink: 0;
}
.ev-amount-section {
  padding: 24px 24px 16px;
  border-bottom: 1px solid var(--border);
}
.ev-amount-label { font-size: 12px; color: var(--text-light); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px; }
.ev-amount { font-size: 30px; font-weight: 900; color: #0f172a; }
.ev-amount span { font-size: 22px; color: var(--primary); }
.ev-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.ev-stat {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 20px;
  border-right: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.ev-stat:nth-child(2n) { border-right: none; }
.ev-stat:nth-child(3), .ev-stat:nth-child(4) { border-bottom: none; }
.ev-stat svg { stroke: var(--primary); flex-shrink: 0; }
.ev-stat-val { font-size: 14px; font-weight: 700; color: #0f172a; margin-bottom: 2px; }
.ev-stat-key { font-size: 11px; color: var(--text-light); }
.ev-footer {
  background: rgba(22,163,74,0.08);
  color: #16a34a;
  font-size: 14px;
  font-weight: 700;
  padding: 16px 24px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.ev-footer svg { stroke: #16a34a; }

/* ========== TESTIMONIALS NEW ========== */
.testimonials-new {
  background: linear-gradient(135deg, #0f2d87 0%, #1a6ef5 60%, #1253c2 100%);
  padding: 80px 0;
}
.t-main-title {
  text-align: center; font-size: clamp(26px, 3.5vw, 38px);
  font-weight: 800; color: #fff; margin-bottom: 12px;
}
.t-underline {
  width: 60px; height: 3px; background: #60a5fa;
  border-radius: 4px; margin: 0 auto 48px;
}
.t-slider-wrap { overflow: hidden; }
.t-slider {
  display: flex; transition: transform 0.5s ease;
}
.t-slide {
  min-width: 100%; display: grid;
  grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.t-new-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 16px; padding: 28px;
  backdrop-filter: blur(10px);
  transition: background 0.2s;
}
.t-new-card:hover { background: rgba(255,255,255,0.13); }
.t-new-author {
  display: flex; align-items: center; gap: 14px; margin-bottom: 16px;
}
.t-new-avatar {
  width: 46px; height: 46px; border-radius: 50%;
  background: rgba(255,255,255,0.15); color: #fff;
  font-size: 16px; font-weight: 800;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.t-new-author strong { display: block; color: #fff; font-size: 15px; font-weight: 700; }
.t-new-author span { font-size: 13px; color: rgba(255,255,255,0.6); }
.t-new-card p { font-size: 14px; color: rgba(255,255,255,0.8); line-height: 1.7; margin-bottom: 20px; }
.t-new-stars { display: flex; gap: 3px; }
.t-dots { display: flex; justify-content: center; gap: 10px; margin-top: 36px; }
.t-dot {
  width: 10px; height: 10px; border-radius: 50%;
  background: rgba(255,255,255,0.3); border: none; cursor: pointer; transition: all 0.3s;
}
.t-dot.active { background: #fff; width: 28px; border-radius: 6px; }

/* ========== APPLY FORM ========== */
.apply-inner { display: grid; grid-template-columns: 1fr 520px; gap: 80px; align-items: start; }
.apply-text p { font-size: 17px; color: var(--text-light); margin-bottom: 24px; }
.apply-perks { display: flex; flex-direction: column; gap: 12px; }
.apply-perks li { font-size: 15px; color: #374151; font-weight: 500; display: flex; align-items: center; gap: 8px; }
.apply-form {
  background: #fff; border-radius: var(--radius); padding: 36px;
  box-shadow: var(--shadow-lg); border: 1px solid var(--border);
}
.apply-form h3 { font-size: 20px; font-weight: 800; margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: #374151; margin-bottom: 6px; }
.form-group input, .form-group select {
  width: 100%; padding: 12px 16px; border: 2px solid var(--border);
  border-radius: 10px; font-size: 15px; color: var(--dark);
  transition: border-color 0.2s; outline: none; font-family: inherit;
}
.form-group input:focus, .form-group select:focus { border-color: var(--primary); }
.form-note { font-size: 12px; color: var(--text-light); text-align: center; margin-top: 12px; }
.form-note a { color: var(--primary); text-decoration: underline; }

/* ========== FAQ ========== */
.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item { border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  padding: 18px 24px; background: #fff; font-size: 16px; font-weight: 600;
  cursor: pointer; border: none; text-align: left; color: var(--dark); transition: background 0.2s;
}
.faq-q:hover { background: var(--gray-bg); }
.faq-q span { font-size: 22px; font-weight: 400; color: var(--primary); transition: transform 0.3s; }
.faq-q.open span { transform: rotate(45deg); }
.faq-a {
  max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s;
  padding: 0 24px; font-size: 15px; color: var(--text-light); background: #fff;
}
.faq-a.open { max-height: 200px; padding: 16px 24px 20px; }

/* ========== FOOTER ========== */
.footer { background: #0a0a1a; padding: 60px 0 0; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; }
.footer-brand .logo { margin-bottom: 14px; font-size: 24px; }
.footer-brand p { font-size: 14px; color: #9ca3af; line-height: 1.7; margin-bottom: 16px; }
.footer-phone { color: var(--primary); font-weight: 600; font-size: 15px; }
.footer-links h4 { color: #fff; font-size: 15px; font-weight: 700; margin-bottom: 16px; }
.footer-links a,
.footer-links span { display: block; font-size: 14px; color: #9ca3af; margin-bottom: 10px; }
.footer-links a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid #1e1e3a; padding: 20px 24px; text-align: center; }
.footer-bottom p { font-size: 13px; color: #6b7280; }

/* ========== MODAL ========== */
.modal {
  display: none; position: fixed; inset: 0; z-index: 9999;
  background: rgba(0,0,0,0.6); align-items: center; justify-content: center;
}
.modal.show { display: flex; }
.modal-box {
  background: #fff; border-radius: var(--radius); padding: 48px 40px;
  text-align: center; max-width: 400px; width: 90%;
  animation: popIn 0.3s ease;
}
.modal-icon-svg { display: flex; justify-content: center; margin-bottom: 16px; }
.modal-box h3 { font-size: 24px; font-weight: 800; margin-bottom: 12px; }
.modal-box p { color: var(--text-light); margin-bottom: 28px; font-size: 16px; }
@keyframes popIn {
  from { transform: scale(0.8); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}

/* ========== RESPONSIVE ========== */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-card { max-width: 480px; }
  .eligibility-inner { grid-template-columns: 1fr; gap: 48px; }
  .apply-inner { grid-template-columns: 1fr; gap: 40px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: block; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-cta-group { flex-direction: column; }
  .btn-lg { width: 100%; text-align: center; }
  .footer-inner { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .steps-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .apply-form { padding: 24px 20px; }
}