/* ===== 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; font-size: 16px; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* ===== TOKENS ===== */
:root {
  --primary: #1A5276;
  --primary-dark: #0E3650;
  --gold: #D4AC0D;
  --gold-light: #FDF9E7;
  --green: #1D7A3A;
  --surface: #F4F8FB;
  --white: #ffffff;
  --muted: #6B7280;
  --border: rgba(0,0,0,0.1);
  --radius: 10px;
  --shadow: 0 4px 20px rgba(0,0,0,0.08);
}

/* ===== LAYOUT ===== */
.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.section { padding: 72px 0; }
.bg-white { background: var(--white); }
.bg-surface { background: var(--surface); }
.section-label { font-size: 12px; font-weight: 600; color: var(--primary); text-transform: uppercase; letter-spacing: 1.2px; margin-bottom: 10px; }
.section h2 { font-size: 32px; font-weight: 700; color: #0E1C2F; margin-bottom: 12px; line-height: 1.3; }
.section-sub { font-size: 16px; color: var(--muted); max-width: 560px; margin-bottom: 40px; }

/* ===== NAVBAR ===== */
.navbar { position: sticky; top: 0; z-index: 1000; background: var(--primary); box-shadow: 0 2px 12px rgba(0,0,0,0.15); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.logo { font-size: 22px; font-weight: 700; color: #fff; letter-spacing: -0.5px; }
.logo span { color: var(--gold); }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { color: rgba(255,255,255,0.85); font-size: 14px; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover { color: #fff; }
.nav-cta { background: var(--gold) !important; color: #1a1a00 !important; padding: 9px 20px; border-radius: 8px; font-weight: 600 !important; font-size: 14px !important; }
.nav-cta:hover { background: #c49b00 !important; color: #000 !important; }
.hamburger { display: none; background: none; border: none; color: #fff; font-size: 24px; cursor: pointer; }

/* ===== TRUST STRIP ===== */
.trust-strip { background: var(--gold-light); border-bottom: 1px solid rgba(212,172,13,0.25); padding: 10px 0; }
.trust-inner { display: flex; flex-wrap: wrap; justify-content: center; gap: 20px; }
.trust-item { font-size: 13px; color: #5a4800; font-weight: 500; }

/* ===== HERO ===== */
.hero { background: linear-gradient(135deg, #0C2A3D 0%, #1A5276 55%, #1F618D 100%); padding: 80px 0 64px; }
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.eyebrow { display: inline-block; background: rgba(212,172,13,0.15); border: 1px solid rgba(212,172,13,0.4); color: var(--gold); font-size: 13px; font-weight: 600; padding: 6px 16px; border-radius: 20px; margin-bottom: 20px; letter-spacing: 0.3px; }
.hero h1 { font-size: 44px; font-weight: 700; color: #fff; line-height: 1.2; margin-bottom: 16px; }
.hero h1 em { color: var(--gold); font-style: normal; }
.hero p { font-size: 17px; color: rgba(255,255,255,0.75); line-height: 1.7; margin-bottom: 32px; max-width: 440px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.btn-primary { background: var(--gold); color: #1a1a00; font-size: 15px; font-weight: 700; padding: 14px 28px; border-radius: 8px; border: none; cursor: pointer; transition: background 0.2s, transform 0.1s; display: inline-block; }
.btn-primary:hover { background: #c49b00; transform: translateY(-1px); }
.btn-outline { background: transparent; color: #fff; font-size: 15px; font-weight: 600; border: 2px solid rgba(255,255,255,0.4); padding: 13px 28px; border-radius: 8px; cursor: pointer; transition: border-color 0.2s; display: inline-block; }
.btn-outline:hover { border-color: rgba(255,255,255,0.8); }
.hero-stats { display: flex; gap: 32px; padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.12); flex-wrap: wrap; }
.stat-val { color: #fff; font-size: 26px; font-weight: 700; }
.stat-val span { color: var(--gold); }
.stat-lbl { color: rgba(255,255,255,0.55); font-size: 12px; margin-top: 2px; }

/* HERO FLOATING CARDS */
.hero-card-float { display: flex; flex-direction: column; gap: 16px; }
.hcard { background: rgba(255,255,255,0.12); backdrop-filter: blur(10px); border: 1px solid rgba(255,255,255,0.2); border-radius: 12px; padding: 16px 20px; display: flex; align-items: center; gap: 14px; color: #fff; }
.hcard2 { margin-left: 30px; }
.hcard3 { margin-left: 60px; }
.hcard-icon { font-size: 24px; }
.hcard-title { font-size: 14px; font-weight: 600; }
.hcard-sub { font-size: 12px; color: rgba(255,255,255,0.65); margin-top: 2px; }
.hcard-badge { margin-left: auto; background: #1D7A3A; color: #fff; width: 28px; height: 28px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 700; flex-shrink: 0; }

/* ===== LOAN GRID ===== */
.loan-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; }
.loan-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--radius); padding: 24px 20px; transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s; cursor: default; }
.loan-card:hover { border-color: var(--primary); box-shadow: var(--shadow); transform: translateY(-4px); }
.loan-icon { font-size: 32px; margin-bottom: 14px; }
.loan-card h3 { font-size: 16px; font-weight: 600; margin-bottom: 8px; }
.loan-card p { font-size: 13px; color: var(--muted); line-height: 1.6; margin-bottom: 12px; }
.loan-rate { font-size: 14px; font-weight: 700; color: var(--green); margin-bottom: 14px; }
.loan-link { font-size: 13px; font-weight: 600; color: var(--primary); border-bottom: 1px solid var(--primary); padding-bottom: 1px; }
.loan-link:hover { color: var(--primary-dark); }

/* ===== FORM + EMI GRID ===== */
.form-emi-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }

/* FORM */
.form-wrap { background: #fff; border-radius: 14px; box-shadow: var(--shadow); padding: 32px; }
.form-head h3 { font-size: 20px; font-weight: 700; margin-bottom: 4px; }
.form-head p { font-size: 13px; color: var(--muted); margin-bottom: 24px; }
.field { display: flex; flex-direction: column; gap: 5px; margin-bottom: 14px; }
.field label { font-size: 12px; font-weight: 600; color: #374151; }
.field input, .field select {
  height: 42px; border: 1.5px solid #E5E7EB; border-radius: 8px;
  padding: 0 12px; font-size: 14px; color: #1a1a2e;
  background: #fff; transition: border-color 0.2s; outline: none;
  font-family: 'Inter', sans-serif;
}
.field input:focus, .field select:focus { border-color: var(--primary); }
.field input::placeholder { color: #9CA3AF; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.checkbox-field { margin-top: 4px; }
.checkbox-label { display: flex; align-items: flex-start; gap: 10px; font-size: 12px; color: var(--muted); cursor: pointer; line-height: 1.5; }
.checkbox-label input { margin-top: 2px; flex-shrink: 0; accent-color: var(--primary); }
.checkbox-label a { color: var(--primary); text-decoration: underline; }
.submit-btn { width: 100%; background: var(--primary); color: #fff; font-size: 16px; font-weight: 700; padding: 14px; border-radius: 8px; border: none; cursor: pointer; margin-top: 14px; transition: background 0.2s; font-family: 'Inter', sans-serif; }
.submit-btn:hover { background: var(--primary-dark); }
.form-note { font-size: 12px; color: var(--muted); text-align: center; margin-top: 12px; }
.form-success { text-align: center; padding: 20px; }
.success-icon { font-size: 48px; margin-bottom: 12px; }
.form-success h3 { font-size: 20px; font-weight: 700; color: var(--green); margin-bottom: 8px; }
.form-success p { color: var(--muted); font-size: 14px; line-height: 1.6; }

/* EMI CALC */
.emi-wrap { background: var(--primary); border-radius: 14px; padding: 32px; color: #fff; }
.emi-wrap h3 { font-size: 20px; font-weight: 700; margin-bottom: 4px; }
.emi-sub { font-size: 13px; color: rgba(255,255,255,0.6); margin-bottom: 28px; }
.slider-row { margin-bottom: 22px; }
.slider-row label { display: flex; justify-content: space-between; font-size: 13px; color: rgba(255,255,255,0.75); margin-bottom: 8px; }
.slider-row label span { color: var(--gold); font-weight: 700; }
.slider-row input[type=range] { width: 100%; accent-color: var(--gold); cursor: pointer; }
.emi-result { background: rgba(255,255,255,0.1); border-radius: 10px; padding: 20px; margin-top: 8px; }
.emi-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.emi-row.last-row { border-bottom: none; }
.emi-row.highlight-row { padding-bottom: 14px; }
.emi-lbl { font-size: 13px; color: rgba(255,255,255,0.65); }
.emi-val { font-size: 15px; font-weight: 600; color: #fff; }
.emi-val.gold { font-size: 28px; color: var(--gold); }
.emi-apply-btn { display: block; text-align: center; background: var(--gold); color: #1a1a00; font-size: 15px; font-weight: 700; padding: 14px; border-radius: 8px; margin-top: 20px; transition: background 0.2s; }
.emi-apply-btn:hover { background: #c49b00; }

/* ===== WHY CHOOSE US ===== */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.why-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--radius); padding: 24px 20px; transition: border-color 0.2s; }
.why-card:hover { border-color: var(--primary); }
.why-icon { font-size: 32px; margin-bottom: 14px; }
.why-card h4 { font-size: 16px; font-weight: 600; margin-bottom: 8px; }
.why-card p { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* ===== HOW IT WORKS ===== */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; position: relative; }
.steps-grid::before { content: ''; position: absolute; top: 22px; left: calc(16.67% + 20px); right: calc(16.67% + 20px); height: 2px; background: repeating-linear-gradient(to right, var(--primary) 0, var(--primary) 8px, transparent 8px, transparent 16px); }
.step { text-align: center; position: relative; }
.step-num { width: 44px; height: 44px; background: var(--primary); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 18px; font-weight: 700; margin: 0 auto 20px; position: relative; z-index: 1; }
.step h4 { font-size: 18px; font-weight: 600; margin-bottom: 10px; }
.step p { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* ===== PARTNER STRIP ===== */
.partner-section { padding: 40px 0; }
.partner-strip { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 20px; }
.partner-badge { background: var(--surface); border: 1.5px solid var(--border); border-radius: 8px; padding: 10px 22px; font-size: 14px; font-weight: 600; color: #374151; }

/* ===== DISCLAIMER ===== */
.disclaimer-box { background: #FFFDF0; border: 1px solid rgba(212,172,13,0.3); border-left: 4px solid var(--gold); border-radius: 8px; padding: 18px 20px; font-size: 13px; color: #5a4800; line-height: 1.7; }
.disclaimer-box strong { color: #3a2f00; }

/* ===== FOOTER ===== */
.footer { background: #0C2A3D; padding: 60px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-logo { font-size: 22px; font-weight: 700; color: #fff; margin-bottom: 14px; }
.footer-logo span { color: var(--gold); }
.brand-col p { color: rgba(255,255,255,0.55); font-size: 14px; line-height: 1.7; margin-bottom: 16px; }
.footer-contact { color: rgba(255,255,255,0.5); font-size: 13px; line-height: 2; }
.footer-col h5 { color: var(--gold); font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.6); font-size: 14px; margin-bottom: 10px; transition: color 0.2s; }
.footer-col a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 20px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { color: rgba(255,255,255,0.35); font-size: 12px; }
.social-links { display: flex; gap: 16px; }
.social-links a { font-size: 20px; color: rgba(255,255,255,0.4); transition: color 0.2s; }
.social-links a:hover { color: #fff; }

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-image { display: none; }
  .hero h1 { font-size: 32px; }
  .form-emi-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid::before { display: none; }
  .steps-grid { grid-template-columns: 1fr; gap: 24px; }
}

@media (max-width: 640px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: var(--primary-dark); padding: 20px; gap: 16px; z-index: 999; }
  .nav-links.open { display: flex; }
  .hamburger { display: block; }
  .hero { padding: 48px 0 40px; }
  .hero h1 { font-size: 28px; }
  .hero-stats { gap: 20px; }
  .section { padding: 48px 0; }
  .section h2 { font-size: 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .field-row { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .loan-grid { grid-template-columns: 1fr 1fr; }
  .trust-inner { gap: 10px; }
  .trust-item { font-size: 12px; }
}

@media (max-width: 400px) {
  .loan-grid { grid-template-columns: 1fr; }
  .hero-btns { flex-direction: column; }
  .btn-primary, .btn-outline { width: 100%; text-align: center; }
}

/* ===== INNER PAGES ===== */
.page-hero { background: var(--primary); padding: 60px 0; color: #fff; }
.page-hero h1 { font-size: 36px; font-weight: 700; }
.page-hero p { color: rgba(255,255,255,0.7); margin-top: 8px; font-size: 16px; }
.page-content { padding: 60px 0; }
.page-content h2 { font-size: 22px; font-weight: 700; margin: 32px 0 12px; color: #0E1C2F; }
.page-content p { font-size: 15px; color: var(--muted); line-height: 1.8; margin-bottom: 14px; }
.page-content ul { padding-left: 20px; margin-bottom: 14px; }
.page-content li { font-size: 15px; color: var(--muted); line-height: 1.8; margin-bottom: 6px; }