/* ==========================================================================
   SYNERGY CAPITAL SOLUTIONS - ELEVATED LUXURY FINTECH STYLESHEET
   Design Language: Banking-Grade Institutional Aesthetics, High Conversion
   Palette: Deep Midnight Navy, Royal Blue, Pure White, Emerald Green & Soft Tints
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & CSS Custom Properties
   -------------------------------------------------------------------------- */
:root {
  /* Midnight Navy Primary Suite */
  --color-navy-darkest: #030c1d;
  --color-navy-deep: #071739;
  --color-navy-primary: #0b2559;
  --color-navy-light: #163677;

  /* Royal & Accent Blues */
  --color-blue-royal: #1d4ed8;
  --color-blue-vibrant: #2563eb;
  --color-blue-light: #3b82f6;
  --color-blue-soft: #eff6ff;
  --color-blue-border: #bfdbfe;

  /* Emerald Conversion Greens */
  --color-green-primary: #059669;
  --color-green-emerald: #10b981;
  --color-green-dark: #047857;
  --color-green-soft: #f0fdf4;
  --color-green-border: #bbf7d0;

  /* WhatsApp Green */
  --color-whatsapp: #25D366;
  --color-whatsapp-dark: #128C7E;

  /* 4 Loan Service Themes (Faithful to Reference Image with Premium Refinement) */
  --tint-personal-bg: #f4f8ff;
  --tint-personal-border: #dbeafe;
  --tint-personal-accent: #2563eb;
  --tint-personal-glow: rgba(37, 99, 235, 0.16);

  --tint-business-bg: #f2fbf6;
  --tint-business-border: #dcfce7;
  --tint-business-accent: #059669;
  --tint-business-glow: rgba(5, 150, 105, 0.16);

  --tint-home-bg: #fffbf5;
  --tint-home-border: #ffedd5;
  --tint-home-accent: #ea580c;
  --tint-home-glow: rgba(234, 88, 12, 0.14);

  --tint-lap-bg: #fbf7ff;
  --tint-lap-border: #f3e8ff;
  --tint-lap-accent: #7e22ce;
  --tint-lap-glow: rgba(126, 34, 206, 0.14);

  /* Typography & Neutrals */
  --color-text-dark: #0f172a;
  --color-text-heading: #071739;
  --color-text-body: #334155;
  --color-text-muted: #64748b;
  --color-text-light: #94a3b8;
  --color-bg-white: #ffffff;
  --color-bg-surface: #f8fafc;
  --color-border-light: #e2e8f0;
  --color-border-subtle: #cbd5e1;

  /* Font Families */
  --font-main: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-heading: 'Outfit', 'Plus Jakarta Sans', sans-serif;
  --font-script: 'Caveat', cursive, sans-serif;

  /* Elevation Shadows */
  --shadow-xs: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-sm: 0 2px 8px -1px rgba(7, 23, 57, 0.08);
  --shadow-md: 0 8px 24px -4px rgba(7, 23, 57, 0.10);
  --shadow-lg: 0 16px 36px -8px rgba(7, 23, 57, 0.14);
  --shadow-xl: 0 24px 48px -12px rgba(7, 23, 57, 0.20);

  /* Transitions */
  --transition-fast: 0.18s ease;
  --transition-normal: 0.28s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-smooth: 0.45s cubic-bezier(0.16, 1, 0.3, 1);

  /* Dimensions */
  --container-max-width: 1220px;
  --header-height: 80px;
  --top-bar-height: 38px;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --radius-pill: 9999px;
}

/* --------------------------------------------------------------------------
   2. Reset & Global 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-main);
  background-color: var(--color-bg-white);
  color: var(--color-text-body);
  line-height: 1.6;
  font-weight: 400;
  overflow-x: hidden;
  position: relative;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

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

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

button {
  cursor: pointer;
  border: none;
  background: none;
  outline: none;
}

ul {
  list-style: none;
}

.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

.section-padding {
  padding-top: 76px;
  padding-bottom: 76px;
}

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

.text-white {
  color: #ffffff !important;
}

.text-slate-300 {
  color: #cbd5e1 !important;
}

/* --------------------------------------------------------------------------
   3. Custom Interactive Cursor (Desktop)
   -------------------------------------------------------------------------- */
.cursor-dot {
  position: fixed;
  top: 0;
  left: 0;
  width: 8px;
  height: 8px;
  background-color: var(--color-blue-royal);
  border-radius: 50%;
  pointer-events: none;
  z-index: 99999;
  transform: translate(-50%, -50%);
  transition: opacity 0.2s ease, transform 0.1s ease;
  box-shadow: 0 0 10px rgba(37, 99, 235, 0.7);
}

.cursor-ring {
  position: fixed;
  top: 0;
  left: 0;
  width: 34px;
  height: 34px;
  border: 1.5px solid rgba(29, 78, 216, 0.65);
  border-radius: 50%;
  pointer-events: none;
  z-index: 99998;
  transform: translate(-50%, -50%);
  transition: width 0.24s cubic-bezier(0.2, 1, 0.3, 1),
              height 0.24s cubic-bezier(0.2, 1, 0.3, 1),
              border-color 0.2s ease,
              background-color 0.2s ease,
              opacity 0.2s ease;
}

.cursor-ring.cursor-hover {
  width: 52px;
  height: 52px;
  border-color: var(--color-green-emerald);
  background-color: rgba(16, 185, 129, 0.08);
}

@media (pointer: coarse), (max-width: 991px) {
  .cursor-dot, .cursor-ring {
    display: none !important;
  }
}

/* --------------------------------------------------------------------------
   4. Buttons & UI Conversion Elements
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 12px 24px;
  border-radius: var(--radius-pill);
  transition: all var(--transition-normal);
  white-space: nowrap;
  letter-spacing: 0.2px;
  position: relative;
  overflow: hidden;
}

.btn-arrow {
  width: 18px;
  height: 18px;
  transition: transform var(--transition-fast);
}

.btn:hover .btn-arrow {
  transform: translateX(4px);
}

/* Shimmer Light Beam Effect */
.shine-btn::before {
  content: '';
  position: absolute;
  top: 0;
  left: -120%;
  width: 70%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.32), transparent);
  transform: skewX(-22deg);
  transition: none;
}

.shine-btn:hover::before {
  left: 140%;
  transition: left 0.75s ease-in-out;
}

.btn-primary-green {
  background: linear-gradient(135deg, #059669 0%, #10b981 100%);
  color: #ffffff;
  box-shadow: 0 4px 16px rgba(16, 185, 129, 0.38);
}

.btn-primary-green:hover {
  background: linear-gradient(135deg, #047857 0%, #059669 100%);
  box-shadow: 0 8px 24px rgba(16, 185, 129, 0.48);
  transform: translateY(-2px);
  color: #ffffff;
}

.btn-navy {
  background: linear-gradient(135deg, #071739 0%, #163677 100%);
  color: #ffffff;
  box-shadow: 0 4px 16px rgba(7, 23, 57, 0.35);
}

.btn-navy:hover {
  background: linear-gradient(135deg, #0b2559 0%, #1d4ed8 100%);
  box-shadow: 0 8px 24px rgba(29, 78, 216, 0.42);
  transform: translateY(-2px);
  color: #ffffff;
}

.btn-navy-sm {
  background: linear-gradient(135deg, #071739 0%, #163677 100%);
  color: #ffffff;
  font-size: 0.85rem;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: all var(--transition-fast);
}

.btn-navy-sm:hover {
  background: linear-gradient(135deg, #0b2559 0%, #1d4ed8 100%);
  transform: translateY(-2px);
}

.btn-navy-sm .btn-arrow {
  width: 14px;
  height: 14px;
}

.btn-whatsapp {
  background-color: #25D366;
  color: #ffffff;
  box-shadow: 0 4px 16px rgba(37, 211, 102, 0.35);
}

.btn-whatsapp:hover {
  background-color: #20bd5a;
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.45);
  transform: translateY(-2px);
  color: #ffffff;
}

.btn-icon-whatsapp {
  width: 19px;
  height: 19px;
}

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--color-border-subtle);
  color: var(--color-text-body);
}

.btn-outline:hover {
  border-color: var(--color-navy-primary);
  color: var(--color-navy-primary);
  background-color: var(--color-bg-surface);
}

.btn-full {
  width: 100%;
}

/* Section Header Typography */
.section-header {
  margin-bottom: 48px;
}

.section-title {
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 700;
  color: var(--color-text-heading);
  letter-spacing: -0.5px;
  margin-bottom: 8px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--color-text-muted);
  font-weight: 400;
}

.title-accent-bar {
  width: 50px;
  height: 3.5px;
  background: linear-gradient(90deg, var(--color-blue-royal), var(--color-green-emerald));
  border-radius: 2px;
  margin: 12px auto 0;
}

.accent-bar-light {
  background: linear-gradient(90deg, #38bdf8, #34d399);
}

/* --------------------------------------------------------------------------
   5. Top Information Bar
   -------------------------------------------------------------------------- */
.top-bar {
  background-color: var(--color-navy-darkest);
  color: #e2e8f0;
  font-size: 0.8125rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  height: var(--top-bar-height);
  display: flex;
  align-items: center;
  position: relative;
  z-index: 1001;
}

.top-bar-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.top-bar-highlights {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 500;
  color: #cbd5e1;
}

.highlight-item {
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.highlight-sparkle {
  color: #38bdf8;
  font-size: 0.85rem;
}

.highlight-divider {
  color: rgba(255, 255, 255, 0.2);
}

.top-bar-contact {
  display: flex;
  align-items: center;
  gap: 14px;
}

.top-divider-dot {
  color: rgba(255, 255, 255, 0.3);
}

.top-contact-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #f1f5f9;
  font-size: 0.8125rem;
  transition: color var(--transition-fast);
}

.top-contact-link:hover {
  color: #38bdf8;
}

.top-icon {
  width: 14px;
  height: 14px;
}

.whatsapp-icon {
  color: #25D366;
}

.whatsapp-top:hover {
  color: #25D366;
}

.live-pulse-dot {
  width: 7px;
  height: 7px;
  background-color: #25D366;
  border-radius: 50%;
  display: inline-block;
  box-shadow: 0 0 8px #25D366;
  animation: pulseDot 1.4s infinite;
}

/* --------------------------------------------------------------------------
   6. Main Navigation Header (Sticky Glassmorphic)
   -------------------------------------------------------------------------- */
.main-header {
  position: sticky;
  top: 0;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.8);
  z-index: 1000;
  transition: box-shadow var(--transition-normal), background-color var(--transition-normal);
}

.main-header.scrolled {
  box-shadow: 0 6px 24px rgba(7, 23, 57, 0.08);
  background-color: rgba(255, 255, 255, 0.98);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-mark {
  width: 48px;
  height: 48px;
  flex-shrink: 0;
}

.logo-svg {
  width: 100%;
  height: 100%;
  display: block;
  filter: drop-shadow(0 2px 8px rgba(11, 37, 89, 0.22));
}

.logo-text-group {
  display: flex;
  flex-direction: column;
}

.logo-title {
  display: flex;
  align-items: baseline;
  gap: 6px;
  line-height: 1.15;
}

.logo-synergy {
  font-family: var(--font-heading);
  font-size: 1.45rem;
  font-weight: 800;
  color: #0b2559;
  letter-spacing: -0.3px;
}

.logo-capital {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  color: #1e40af;
  letter-spacing: 0.8px;
}

.logo-tagline {
  font-size: 0.72rem;
  color: var(--color-text-muted);
  font-weight: 500;
  letter-spacing: 0.2px;
}

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

.nav-links {
  display: flex;
  align-items: center;
  gap: 26px;
}

.nav-link {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text-heading);
  position: relative;
  padding: 6px 0;
  transition: color var(--transition-fast);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2.2px;
  background: linear-gradient(90deg, var(--color-blue-royal), var(--color-green-emerald));
  border-radius: 2px;
  transition: width var(--transition-normal);
}

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

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

.header-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.hamburger-btn {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  padding: 8px;
  border-radius: var(--radius-sm);
  background: var(--color-bg-surface);
  border: 1px solid var(--color-border-light);
}

.hamburger-bar {
  width: 100%;
  height: 2.2px;
  background-color: var(--color-navy-primary);
  border-radius: 2px;
  transition: all var(--transition-fast);
}

/* Mobile Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: -320px;
  width: 300px;
  height: 100vh;
  background-color: #ffffff;
  box-shadow: -8px 0 32px rgba(0, 0, 0, 0.18);
  z-index: 10000;
  display: flex;
  flex-direction: column;
  padding: 24px;
  transition: right 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

.mobile-drawer.open {
  right: 0;
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--color-border-light);
}

.close-drawer-btn {
  font-size: 1.8rem;
  color: var(--color-text-muted);
  line-height: 1;
}

.mobile-links {
  display: flex;
  flex-direction: column;
  gap: 14px;
  flex-grow: 1;
  overflow-y: auto;
}

.mobile-link {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-text-heading);
  padding: 6px 0;
  display: block;
}

.mobile-link:hover {
  color: var(--color-blue-royal);
}

.mobile-drawer-cta {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--color-border-light);
}

.mobile-drawer-call {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  color: var(--color-navy-primary);
  font-size: 0.95rem;
}

.drawer-backdrop {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background-color: rgba(7, 23, 57, 0.55);
  z-index: 9999;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}

.drawer-backdrop.open {
  opacity: 1;
  pointer-events: auto;
}

/* --------------------------------------------------------------------------
   7. Hero Section
   -------------------------------------------------------------------------- */
.hero-section {
  position: relative;
  background: radial-gradient(circle at 15% 15%, rgba(37, 99, 235, 0.05) 0%, transparent 60%),
              radial-gradient(circle at 85% 85%, rgba(16, 185, 129, 0.04) 0%, transparent 60%),
              linear-gradient(180deg, #f8faff 0%, #ffffff 100%);
  padding-top: 52px;
  padding-bottom: 64px;
  overflow: hidden;
}

.hero-bg-glow {
  position: absolute;
  top: -120px;
  right: -80px;
  width: 580px;
  height: 580px;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.09) 0%, rgba(255, 255, 255, 0) 70%);
  pointer-events: none;
  z-index: 0;
}

.hero-container {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-content {
  max-width: 620px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: var(--color-blue-soft);
  color: var(--color-blue-royal);
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  border: 1px solid var(--color-blue-border);
  margin-bottom: 16px;
}

.badge-dark {
  background-color: rgba(255, 255, 255, 0.08);
  color: #38bdf8;
  border-color: rgba(56, 189, 248, 0.3);
}

.badge-dot {
  width: 6px;
  height: 6px;
  background-color: var(--color-blue-royal);
  border-radius: 50%;
  animation: pulseDot 1.5s infinite;
}

@keyframes pulseDot {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.4); opacity: 0.5; }
}

.hero-heading {
  font-family: var(--font-heading);
  font-size: 2.85rem;
  line-height: 1.18;
  font-weight: 800;
  color: var(--color-text-heading);
  letter-spacing: -1px;
  margin-bottom: 14px;
}

.text-gradient {
  background: linear-gradient(135deg, #0b2559 0%, #1d4ed8 50%, #059669 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* Social proof stack */
.hero-social-proof {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}

.avatar-stack {
  display: flex;
  align-items: center;
}

.proof-avatar {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  color: #ffffff;
  font-size: 0.65rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid #ffffff;
  margin-left: -8px;
}

.proof-avatar:first-child {
  margin-left: 0;
}

.proof-rating-text {
  font-size: 0.8rem;
  color: var(--color-text-body);
}

.proof-stars {
  color: #f59e0b;
  font-size: 0.85rem;
  letter-spacing: 1px;
  display: inline-block;
  margin-right: 4px;
}

.hero-services-ticker {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
}

.ticker-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(37, 99, 235, 0.2);
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--color-navy-primary);
  box-shadow: 0 2px 8px rgba(11, 37, 89, 0.05);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.ticker-chip:hover {
  background: var(--color-blue-royal);
  color: #ffffff;
  border-color: var(--color-blue-royal);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(37, 99, 235, 0.28);
}

.ticker-chip-icon {
  font-size: 0.95rem;
}

.hero-description {
  font-size: 1.05rem;
  color: var(--color-text-body);
  line-height: 1.65;
  margin-bottom: 26px;
}

.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
}

.hero-reassurance-tags {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-text-heading);
}

.reassurance-item {
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.reassurance-check {
  color: var(--color-green-emerald);
  font-weight: 800;
}

/* Hero Right Visual */
.hero-visual {
  position: relative;
}

.hero-image-wrapper {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 20px 48px -10px rgba(7, 23, 57, 0.22), 0 0 0 1px rgba(226, 232, 240, 0.8);
  background-color: #ffffff;
}

.hero-main-img {
  width: 100%;
  height: 390px;
  object-fit: cover;
  transition: transform var(--transition-smooth);
}

.hero-image-wrapper:hover .hero-main-img {
  transform: scale(1.025);
}

.hero-img-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(180deg, rgba(7, 23, 57, 0.04) 0%, rgba(7, 23, 57, 0.6) 100%);
  pointer-events: none;
}

/* Floating Badges */
.floating-script-badge {
  position: absolute;
  top: 20px;
  right: 20px;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  padding: 10px 18px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(255, 255, 255, 0.95);
  text-align: right;
  z-index: 2;
}

.script-accent {
  display: block;
  font-family: var(--font-script);
  font-size: 1.45rem;
  font-weight: 700;
  color: #1d4ed8;
  line-height: 1;
}

.script-main {
  display: block;
  font-family: var(--font-script);
  font-size: 1.25rem;
  font-weight: 700;
  color: #071739;
  line-height: 1.1;
}

.floating-stat-pill {
  position: absolute;
  top: 24px;
  left: 20px;
  background: rgba(7, 23, 57, 0.88);
  backdrop-filter: blur(10px);
  color: #ffffff;
  padding: 8px 14px;
  border-radius: var(--radius-pill);
  display: flex;
  align-items: center;
  gap: 10px;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(255, 255, 255, 0.15);
  z-index: 2;
}

.stat-pill-icon {
  font-size: 1.15rem;
  color: #fbbf24;
}

.stat-pill-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.stat-pill-text strong {
  font-size: 0.78rem;
  font-weight: 700;
  color: #ffffff;
}

.stat-pill-text span {
  font-size: 0.68rem;
  color: #94a3b8;
}

.floating-live-chip {
  position: absolute;
  bottom: 96px;
  left: 20px;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(8px);
  padding: 6px 12px;
  border-radius: var(--radius-pill);
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--color-navy-primary);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.8);
  display: flex;
  align-items: center;
  gap: 6px;
  z-index: 2;
}

.live-dot-green {
  width: 7px;
  height: 7px;
  background-color: var(--color-green-emerald);
  border-radius: 50%;
  animation: pulseDot 1.4s infinite;
}

/* The 4 Wooden/Block Loan Badges */
.hero-block-row {
  position: absolute;
  bottom: 14px;
  left: 14px;
  right: 14px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  z-index: 2;
}

.hero-loan-block {
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
  padding: 10px 4px 8px;
  border-radius: var(--radius-md);
  text-align: center;
  box-shadow: 0 6px 18px rgba(7, 23, 57, 0.16), inset 0 1px 0 rgba(255, 255, 255, 0.95);
  border: 1px solid rgba(255, 255, 255, 0.95);
  transition: all var(--transition-normal);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.hero-loan-block::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2.5px;
  background: linear-gradient(90deg, var(--color-blue-royal), var(--color-green-emerald));
  opacity: 0;
  transition: opacity var(--transition-fast);
}

.hero-loan-block:hover {
  transform: translateY(-5px) scale(1.03);
  background: #ffffff;
  box-shadow: 0 12px 28px rgba(7, 23, 57, 0.22), 0 0 12px rgba(37, 99, 235, 0.18);
  border-color: var(--color-blue-border);
}

.hero-loan-block:hover::after {
  opacity: 1;
}

.block-icon {
  width: 22px;
  height: 22px;
  margin: 0 auto 4px;
  color: var(--color-navy-primary);
  transition: transform var(--transition-fast);
}

.hero-loan-block:hover .block-icon {
  transform: scale(1.15);
  color: var(--color-blue-royal);
}

.block-title {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--color-text-heading);
  line-height: 1.15;
  display: block;
}

.block-rate-tag {
  font-size: 0.64rem;
  font-weight: 800;
  color: var(--color-green-primary);
  display: block;
  margin-top: 3px;
  background: rgba(16, 185, 129, 0.1);
  padding: 1px 4px;
  border-radius: 4px;
}

/* Floating Animations */
.float-item {
  animation: floating 4.2s ease-in-out infinite;
}

.float-item-reverse {
  animation: floatingReverse 4.6s ease-in-out infinite;
}

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

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

/* --------------------------------------------------------------------------
   8. Trust / Stats Bar Section
   -------------------------------------------------------------------------- */
.stats-bar-section {
  padding: 16px 0 28px;
  background-color: transparent;
}

.stats-glass-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  padding: 28px 36px;
  box-shadow: 0 10px 30px -5px rgba(7, 23, 57, 0.08);
  border: 1px solid var(--color-border-light);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}

.stat-box {
  display: flex;
  flex-direction: column;
  text-align: left;
}

.stat-number-wrap {
  display: flex;
  align-items: baseline;
  gap: 2px;
}

.stat-currency {
  font-family: var(--font-heading);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--color-blue-royal);
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--color-navy-deep);
  line-height: 1;
}

.stat-plus {
  font-family: var(--font-heading);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--color-green-emerald);
}

.stat-label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-text-heading);
  margin-top: 4px;
}

.stat-sub {
  font-size: 0.72rem;
  color: var(--color-text-muted);
}

.stat-divider {
  width: 1px;
  height: 48px;
  background-color: var(--color-border-light);
}

/* --------------------------------------------------------------------------
   9. Our Loan Services Section (4 Themed Cards)
   -------------------------------------------------------------------------- */
.services-section {
  background-color: #fafcff;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.service-card {
  border-radius: var(--radius-xl);
  padding: 28px 24px 24px;
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
  border: 1.5px solid transparent;
  position: relative;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(7, 23, 57, 0.05), 0 0 0 1px rgba(226, 232, 240, 0.7);
  background-color: #ffffff;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--color-blue-royal);
  transition: height var(--transition-fast);
}

.service-card:hover {
  transform: translateY(-8px);
}

.service-card:hover::before {
  height: 6px;
}

/* Specific Card Themes */
.card-personal {
  background: linear-gradient(180deg, #f8faff 0%, #ffffff 100%);
  border-color: var(--tint-personal-border);
}
.card-personal::before {
  background: linear-gradient(90deg, #1d4ed8, #3b82f6);
}
.card-personal:hover {
  border-color: var(--tint-personal-accent);
  box-shadow: 0 20px 40px -8px var(--tint-personal-glow), 0 0 0 1px var(--tint-personal-accent);
}

.card-business {
  background: linear-gradient(180deg, #f3fcf7 0%, #ffffff 100%);
  border-color: var(--tint-business-border);
}
.card-business::before {
  background: linear-gradient(90deg, #059669, #10b981);
}
.card-business:hover {
  border-color: var(--tint-business-accent);
  box-shadow: 0 20px 40px -8px var(--tint-business-glow), 0 0 0 1px var(--tint-business-accent);
}

.card-home {
  background: linear-gradient(180deg, #fffcf6 0%, #ffffff 100%);
  border-color: var(--tint-home-border);
}
.card-home::before {
  background: linear-gradient(90deg, #d97706, #f59e0b);
}
.card-home:hover {
  border-color: var(--tint-home-accent);
  box-shadow: 0 20px 40px -8px var(--tint-home-glow), 0 0 0 1px var(--tint-home-accent);
}

.card-lap {
  background: linear-gradient(180deg, #fcf8ff 0%, #ffffff 100%);
  border-color: var(--tint-lap-border);
}
.card-lap::before {
  background: linear-gradient(90deg, #7e22ce, #a855f7);
}
.card-lap:hover {
  border-color: var(--tint-lap-accent);
  box-shadow: 0 20px 40px -8px var(--tint-lap-glow), 0 0 0 1px var(--tint-lap-accent);
}

.card-top-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}

.card-icon-wrapper {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.06);
  transition: transform var(--transition-fast);
}

.service-card:hover .card-icon-wrapper {
  transform: scale(1.08);
}

.card-icon-wrapper svg {
  width: 26px;
  height: 26px;
}

.icon-personal {
  background: linear-gradient(135deg, #dbeafe, #eff6ff);
  color: #1d4ed8;
  border: 1px solid #bfdbfe;
}

.icon-business {
  background: linear-gradient(135deg, #dcfce7, #f0fdf4);
  color: #059669;
  border: 1px solid #bbf7d0;
}

.icon-home {
  background: linear-gradient(135deg, #ffedd5, #fff7ed);
  color: #ea580c;
  border: 1px solid #fed7aa;
}

.icon-lap {
  background: linear-gradient(135deg, #f3e8ff, #faf5ff);
  color: #7e22ce;
  border: 1px solid #e9d5ff;
}

.card-rate-pill {
  font-size: 0.74rem;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: var(--radius-pill);
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.04);
}

.pill-personal {
  background: #eff6ff;
  color: #1d4ed8;
  border: 1px solid #bfdbfe;
}

.pill-business {
  background: #f0fdf4;
  color: #047857;
  border: 1px solid #bbf7d0;
}

.pill-home {
  background: #fff7ed;
  color: #c2410c;
  border: 1px solid #fed7aa;
}

.pill-lap {
  background: #faf5ff;
  color: #6b21a8;
  border: 1px solid #e9d5ff;
}

.card-title {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--color-text-heading);
  margin-bottom: 8px;
  letter-spacing: -0.3px;
}

.card-desc {
  font-size: 0.88rem;
  color: var(--color-text-body);
  line-height: 1.55;
  margin-bottom: 14px;
  min-height: 42px;
}

.card-meta-chips {
  display: flex;
  gap: 8px;
  margin-bottom: 18px;
}

.meta-chip {
  font-size: 0.74rem;
  font-weight: 700;
  background: rgba(241, 245, 249, 0.85);
  padding: 4px 10px;
  border-radius: 6px;
  border: 1px solid var(--color-border-light);
  color: var(--color-navy-primary);
}

.card-features-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
  flex-grow: 1;
}

.card-features-list li {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--color-text-body);
  display: flex;
  align-items: center;
  gap: 8px;
}

.feature-check {
  color: var(--color-green-emerald);
  font-weight: 800;
  font-size: 0.92rem;
  background: #f0fdf4;
  width: 18px;
  height: 18px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  border: 1px solid #bbf7d0;
  flex-shrink: 0;
}

.card-action-group {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: auto;
  gap: 10px;
  padding-top: 14px;
  border-top: 1px solid rgba(226, 232, 240, 0.6);
}

.btn-navy-sm {
  background-color: var(--color-navy-primary);
  color: #ffffff;
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  font-size: 0.82rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  border: none;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.btn-navy-sm:hover {
  background-color: var(--color-blue-royal);
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.28);
}

.card-quick-apply-btn {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--color-green-dark);
  background-color: var(--color-green-soft);
  border: 1px solid var(--color-green-border);
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  text-decoration: none;
  transition: all var(--transition-fast);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.card-quick-apply-btn:hover {
  background-color: var(--color-green-emerald);
  color: #ffffff;
  border-color: var(--color-green-emerald);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(16, 185, 129, 0.28);
}

/* --------------------------------------------------------------------------
   10. Interactive Financial EMI Calculator
   -------------------------------------------------------------------------- */
.calculator-section {
  background: linear-gradient(180deg, #f8faff 0%, #edf4fd 100%);
}

.calc-card {
  background-color: #ffffff;
  border-radius: var(--radius-xl);
  padding: 44px;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border-light);
}

.calc-presets-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 22px;
  flex-wrap: wrap;
}

.presets-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-text-muted);
}

.preset-chip {
  font-size: 0.8rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  background: #ffffff;
  border: 1.5px solid var(--color-border-light);
  color: var(--color-text-heading);
  cursor: pointer;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
  transition: all var(--transition-fast);
}

.preset-chip:hover {
  border-color: var(--color-blue-royal);
  color: var(--color-blue-royal);
  background: var(--color-blue-soft);
  transform: translateY(-1px);
}

.preset-chip.active {
  background: linear-gradient(135deg, var(--color-navy-primary), var(--color-blue-royal));
  color: #ffffff;
  border-color: var(--color-blue-royal);
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.3);
  transform: translateY(-1px);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
  margin-top: 24px;
}

.calc-control-group {
  margin-bottom: 26px;
}

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

.calc-label-row label {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-text-heading);
}

.calc-val-badge {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-blue-royal);
  background-color: var(--color-blue-soft);
  padding: 4px 14px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--color-blue-border);
}

.calc-range-slider {
  width: 100%;
  height: 8px;
  -webkit-appearance: none;
  appearance: none;
  background: #e2e8f0;
  border-radius: 4px;
  outline: none;
  transition: background 0.2s;
}

.calc-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-blue-royal);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(29, 78, 216, 0.4);
  border: 2.5px solid #ffffff;
  transition: transform 0.15s ease;
}

.calc-range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

.slider-limits {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--color-text-muted);
  margin-top: 6px;
  font-weight: 500;
}

.calc-results {
  background: linear-gradient(135deg, #f8faff 0%, #edf4fd 100%);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--color-blue-border);
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.emi-highlight-box {
  text-align: center;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(226, 232, 240, 0.8);
}

.emi-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.emi-value {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--color-navy-deep);
  line-height: 1.2;
  margin: 6px 0;
}

.emi-subtext {
  font-size: 0.75rem;
  color: var(--color-text-muted);
}

.breakdown-bar-wrapper {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.breakdown-bar {
  width: 100%;
  height: 14px;
  background-color: #e2e8f0;
  border-radius: var(--radius-pill);
  display: flex;
  overflow: hidden;
}

.bar-principal {
  background-color: var(--color-blue-royal);
  transition: width 0.3s ease;
}

.bar-interest {
  background-color: var(--color-green-emerald);
  transition: width 0.3s ease;
}

.breakdown-legend {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--color-text-body);
}

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

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

.dot-principal {
  background-color: var(--color-blue-royal);
}

.dot-interest {
  background-color: var(--color-green-emerald);
}

.calc-total-box {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background-color: #ffffff;
  padding: 12px 16px;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border-light);
}

.total-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text-muted);
}

.total-amount {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--color-navy-deep);
}

/* --------------------------------------------------------------------------
   11. Why Choose Us Section (Full-width Dark Navy)
   -------------------------------------------------------------------------- */
.why-choose-section {
  background: radial-gradient(circle at top, #0f274a 0%, #030c1d 100%);
  padding: 72px 0;
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.why-choose-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 300px;
  background: radial-gradient(ellipse, rgba(37, 99, 235, 0.16) 0%, transparent 70%);
  pointer-events: none;
}

.features-row {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 16px;
  margin-top: 36px;
}

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 18px 8px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  transition: all var(--transition-normal);
}

.feature-item:hover {
  background: rgba(255, 255, 255, 0.09);
  transform: translateY(-6px);
  border-color: rgba(56, 189, 248, 0.45);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.35);
}

.feature-circle-icon {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.25) 0%, rgba(7, 23, 57, 0.85) 100%);
  border: 1.5px solid rgba(56, 189, 248, 0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  color: #38bdf8;
  transition: all var(--transition-normal);
}

.feature-circle-icon svg {
  width: 24px;
  height: 24px;
}

.feature-item:hover .feature-circle-icon {
  transform: scale(1.1);
  border-color: var(--color-green-emerald);
  color: var(--color-green-emerald);
  box-shadow: 0 0 20px rgba(16, 185, 129, 0.45);
}

.feature-text {
  font-size: 0.8125rem;
  font-weight: 600;
  color: #e2e8f0;
  line-height: 1.35;
}

/* --------------------------------------------------------------------------
   12. How It Works Section (6-Step Connected Pipeline)
   -------------------------------------------------------------------------- */
.how-it-works-section {
  background-color: var(--color-bg-white);
}

.steps-wrapper {
  position: relative;
  margin-top: 48px;
}

.steps-progress-line {
  position: absolute;
  top: 24px;
  left: 40px;
  right: 40px;
  height: 2px;
  background: repeating-linear-gradient(90deg, #cbd5e1 0, #cbd5e1 6px, transparent 6px, transparent 12px);
  z-index: 0;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
  position: relative;
  z-index: 1;
}

.step-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 4px;
  transition: transform var(--transition-normal);
}

.step-card:hover {
  transform: translateY(-4px);
}

.step-badge-wrap {
  margin-bottom: 10px;
}

.step-badge {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-navy-primary) 0%, var(--color-blue-royal) 100%);
  color: #ffffff;
  font-size: 0.85rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 8px rgba(29, 78, 216, 0.3);
  border: 2px solid #ffffff;
}

.step-icon-box {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: var(--color-blue-soft);
  color: var(--color-blue-royal);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 8px;
  border: 1px solid var(--color-blue-border);
  transition: all var(--transition-fast);
}

.step-icon-box svg {
  width: 22px;
  height: 22px;
}

.step-card:hover .step-icon-box {
  background-color: var(--color-green-soft);
  color: var(--color-green-primary);
  border-color: var(--color-green-border);
  transform: scale(1.08);
}

.step-step-tag {
  font-size: 0.68rem;
  font-weight: 800;
  color: var(--color-blue-royal);
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}

.step-title {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-text-heading);
  line-height: 1.25;
  margin-bottom: 6px;
}

.step-desc {
  font-size: 0.78rem;
  color: var(--color-text-muted);
  line-height: 1.35;
}

/* --------------------------------------------------------------------------
   13. Eligibility Section (Flagship 3-Column Hub)
   -------------------------------------------------------------------------- */
.eligibility-section {
  background: radial-gradient(circle at 25% 20%, #0c2a58 0%, #041026 100%);
  padding: 68px 0;
  position: relative;
  overflow: hidden;
}

.eligibility-container {
  display: grid;
  grid-template-columns: 0.85fr 1.3fr 0.85fr;
  gap: 28px;
  align-items: stretch;
}

/* Left Advisor Visual */
.eligibility-left {
  display: flex;
  flex-direction: column;
}

.advisor-frame {
  position: relative;
  height: 100%;
  min-height: 520px;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(255, 255, 255, 0.15);
}

.advisor-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.advisor-gradient-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(180deg, rgba(7, 23, 57, 0.1) 0%, rgba(7, 23, 57, 0.88) 90%);
}

.advisor-status-pill {
  position: absolute;
  top: 18px;
  left: 18px;
  background: rgba(7, 23, 57, 0.85);
  backdrop-filter: blur(8px);
  padding: 5px 12px;
  border-radius: var(--radius-pill);
  font-size: 0.72rem;
  font-weight: 600;
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  align-items: center;
  gap: 6px;
  z-index: 2;
}

.advisor-quote-badge {
  position: absolute;
  top: 56px;
  left: 20px;
  right: 20px;
  z-index: 2;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.7);
}

.script-quote {
  display: block;
  font-family: var(--font-script);
  font-size: 1.7rem;
  font-weight: 700;
  color: #ffffff;
  line-height: 1.1;
}

.script-highlight {
  color: #38bdf8;
  font-size: 1.85rem;
}

.advisor-product-badges {
  position: absolute;
  bottom: 18px;
  left: 14px;
  right: 14px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  z-index: 2;
}

.advisor-badge-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  color: #ffffff;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 0;
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
}

.advisor-badge-item .badge-circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
}

.advisor-badge-item .badge-circle svg {
  width: 18px;
  height: 18px;
  fill: #ffffff;
}

.advisor-badge-item:hover .badge-circle,
.advisor-badge-item.active .badge-circle {
  background: var(--color-green-emerald);
  border-color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 0 12px rgba(16, 185, 129, 0.6);
}

/* Center Column Form */
.eligibility-form-card {
  background-color: #ffffff;
  border-radius: var(--radius-xl);
  padding: 34px 30px;
  box-shadow: var(--shadow-xl);
}

.form-header {
  margin-bottom: 22px;
}

.form-step-indicator {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
}

.step-chip {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--color-blue-royal);
  background: var(--color-blue-soft);
  padding: 3px 8px;
  border-radius: 4px;
}

.step-time {
  font-size: 0.72rem;
  color: var(--color-text-muted);
}

.form-title {
  font-family: var(--font-heading);
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--color-text-heading);
  margin-bottom: 4px;
}

.form-subtitle {
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 18px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.form-group label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-text-heading);
}

.form-group .req {
  color: #ef4444;
}

.input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
}

.input-wrapper input,
.input-wrapper select {
  width: 100%;
  padding: 10px 14px;
  font-size: 0.875rem;
  border: 1.5px solid var(--color-border-light);
  border-radius: var(--radius-sm);
  background-color: #ffffff;
  color: var(--color-text-heading);
  outline: none;
  transition: all var(--transition-fast);
}

.input-wrapper input:focus,
.input-wrapper select:focus {
  border-color: var(--color-blue-royal);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
}

.input-wrapper input::placeholder {
  color: #94a3b8;
  font-size: 0.825rem;
}

.phone-wrapper input {
  padding-left: 52px;
}

.country-prefix {
  position: absolute;
  left: 12px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text-muted);
  pointer-events: none;
}

.amount-wrapper input {
  padding-left: 28px;
}

.currency-prefix {
  position: absolute;
  left: 12px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text-muted);
  pointer-events: none;
}

.select-wrapper select {
  appearance: none;
  background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3e%3cpolyline points='6 9 12 15 18 9'%3e%3c/polyline%3e%3c/svg%3e");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 14px;
  padding-right: 36px;
}

.field-error {
  font-size: 0.72rem;
  color: #ef4444;
  font-weight: 500;
  display: none;
}

.has-error input,
.has-error select {
  border-color: #ef4444 !important;
  background-color: #fef2f2 !important;
}

.has-error .field-error {
  display: block;
}

.checkbox-group {
  margin-top: 14px;
  margin-bottom: 20px;
}

.custom-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
}

.custom-checkbox-label input {
  position: absolute;
  opacity: 0;
  cursor: pointer;
  height: 0;
  width: 0;
}

.checkbox-indicator {
  width: 18px;
  height: 18px;
  border-radius: 4px;
  border: 1.5px solid var(--color-border-subtle);
  background: #ffffff;
  flex-shrink: 0;
  margin-top: 2px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
}

.custom-checkbox-label input:checked ~ .checkbox-indicator {
  background-color: var(--color-green-emerald);
  border-color: var(--color-green-emerald);
}

.custom-checkbox-label input:checked ~ .checkbox-indicator::after {
  content: '✓';
  color: #ffffff;
  font-size: 0.75rem;
  font-weight: 800;
}

.checkbox-text {
  font-size: 0.78rem;
  color: var(--color-text-body);
  line-height: 1.35;
}

/* Right Column Benefits */
.eligibility-right {
  display: flex;
  flex-direction: column;
  gap: 16px;
  justify-content: center;
}

.benefit-card {
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-lg);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  transition: all var(--transition-normal);
}

.benefit-card:hover {
  background: rgba(255, 255, 255, 0.14);
  transform: translateX(4px);
  border-color: rgba(255, 255, 255, 0.25);
}

.benefit-link {
  display: flex;
  align-items: center;
  gap: 16px;
  width: 100%;
}

.benefit-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.benefit-icon svg {
  width: 20px;
  height: 20px;
}

.whatsapp-bg {
  background-color: #25D366;
  color: #ffffff;
}

.blue-bg {
  background-color: #2563eb;
  color: #ffffff;
}

.cyan-bg {
  background-color: #06b6d4;
  color: #ffffff;
}

.navy-bg {
  background-color: #1e3a8a;
  color: #ffffff;
}

.benefit-body {
  display: flex;
  flex-direction: column;
}

.benefit-sub {
  font-size: 0.72rem;
  color: #94a3b8;
  text-transform: uppercase;
  font-weight: 600;
  letter-spacing: 0.5px;
}

.benefit-heading {
  font-size: 0.95rem;
  font-weight: 700;
  color: #ffffff;
  line-height: 1.25;
}

.phone-num {
  color: #38bdf8;
  font-size: 1.05rem;
}

.benefit-text {
  font-size: 0.78rem;
  color: #cbd5e1;
  line-height: 1.3;
  margin-top: 2px;
}

.benefit-micro-tag {
  font-size: 0.68rem;
  color: #38bdf8;
  margin-top: 2px;
  font-weight: 600;
}

/* --------------------------------------------------------------------------
   14. Pre-Footer 3-Column Section (About | Testimonials | Partners)
   -------------------------------------------------------------------------- */
.bottom-pillars-section {
  background-color: var(--color-bg-surface);
  border-top: 1px solid var(--color-border-light);
}

.bottom-pillars-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr 1fr;
  gap: 36px;
}

.pillar-column {
  display: flex;
  flex-direction: column;
}

.pillar-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-text-heading);
  margin-bottom: 6px;
}

.pillar-text {
  font-size: 0.88rem;
  color: var(--color-text-body);
  line-height: 1.6;
  margin-bottom: 12px;
}

.pillar-bullet-points {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 6px;
}

.pillar-bullet {
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--color-text-heading);
  display: flex;
  align-items: center;
  gap: 8px;
}

.bullet-dot {
  width: 6px;
  height: 6px;
  background-color: var(--color-green-emerald);
  border-radius: 50%;
}

/* Testimonial Cards */
.testimonial-card {
  background-color: #ffffff;
  border-radius: var(--radius-md);
  padding: 18px;
  border: 1px solid var(--color-border-light);
  box-shadow: var(--shadow-xs);
  margin-bottom: 14px;
  transition: all var(--transition-normal);
}

.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-sm);
  border-color: var(--color-blue-border);
}

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

.verified-disbursal-badge {
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--color-green-dark);
  background: var(--color-green-soft);
  padding: 2px 8px;
  border-radius: 4px;
  border: 1px solid var(--color-green-border);
}

.testimonial-quote {
  font-size: 0.84rem;
  color: var(--color-text-body);
  line-height: 1.5;
  font-style: italic;
  margin-bottom: 12px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 10px;
}

.author-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.8rem;
  color: #ffffff;
  flex-shrink: 0;
}

.avatar-rahul {
  background: linear-gradient(135deg, #1e40af 0%, #3b82f6 100%);
}

.avatar-pooja {
  background: linear-gradient(135deg, #059669 0%, #10b981 100%);
}

.author-info {
  flex-grow: 1;
}

.author-name {
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--color-text-heading);
  line-height: 1.1;
}

.author-city {
  font-size: 0.72rem;
  color: var(--color-text-muted);
}

.author-rating {
  display: flex;
  gap: 2px;
}

.star {
  color: #f59e0b;
  font-size: 0.85rem;
}

/* Banking Partners Cards */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}

.partner-card {
  background-color: #ffffff;
  border-radius: var(--radius-sm);
  border: 1px solid var(--color-border-light);
  padding: 12px;
  text-align: center;
  transition: all var(--transition-fast);
}

.partner-card:hover {
  border-color: var(--color-blue-royal);
  transform: translateY(-2px);
  box-shadow: var(--shadow-xs);
}

.partner-logo-box {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 0.95rem;
}

.partner-symbol {
  font-size: 1.1rem;
}

.partner-sbi { color: #0284c7; }
.partner-hdfc { color: #004c8f; }
.partner-icici { color: #f97316; }
.partner-axis { color: #831843; }
.partner-idfc { color: #991b1b; }
.partner-kotak { color: #dc2626; }

.partners-footer-note {
  font-size: 0.75rem;
  color: var(--color-text-muted);
  margin-top: 12px;
  margin-bottom: 12px;
}

.partner-trust-banner {
  background-color: #ecfdf5;
  border: 1px dashed #6ee7b7;
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.trust-shield-icon {
  width: 24px;
  height: 24px;
  color: var(--color-green-primary);
  flex-shrink: 0;
}

.trust-banner-text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}

.trust-banner-text strong {
  font-size: 0.8rem;
  color: var(--color-green-dark);
}

.trust-banner-text span {
  font-size: 0.72rem;
  color: #065f46;
}

/* --------------------------------------------------------------------------
   15. Main Footer
   -------------------------------------------------------------------------- */
.main-footer {
  background-color: var(--color-navy-darkest);
  color: #94a3b8;
  padding-top: 60px;
  padding-bottom: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 1.1fr 0.9fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-col-brand .footer-about-summary {
  font-size: 0.85rem;
  line-height: 1.6;
  margin-top: 16px;
  margin-bottom: 20px;
  color: #cbd5e1;
}

.security-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.06);
  padding: 8px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.75rem;
  color: #e2e8f0;
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.sec-icon {
  width: 14px;
  height: 14px;
  fill: var(--color-green-emerald);
}

.footer-col-title {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 18px;
  letter-spacing: 0.2px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-link {
  font-size: 0.85rem;
  color: #cbd5e1;
  transition: color var(--transition-fast);
}

.footer-link:hover {
  color: #38bdf8;
  padding-left: 3px;
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.85rem;
  color: #cbd5e1;
}

.contact-icon {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  margin-top: 3px;
  color: #38bdf8;
}

.whatsapp-color {
  color: #25D366;
}

.social-links-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}

.social-btn {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.12);
  transition: all var(--transition-fast);
}

.social-btn svg {
  width: 16px;
  height: 16px;
}

.social-btn:hover {
  background-color: var(--color-blue-royal);
  transform: translateY(-2px);
  border-color: var(--color-blue-royal);
}

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  font-size: 0.75rem;
}

.legal-link {
  color: #94a3b8;
  transition: color var(--transition-fast);
}

.legal-link:hover {
  color: #ffffff;
}

.footer-bottom {
  padding-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 0.76rem;
  color: #64748b;
  text-align: center;
}

.footer-disclaimer-text {
  line-height: 1.5;
  max-width: 900px;
  margin: 0 auto;
}

.footer-copyright {
  color: #94a3b8;
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   16. Floating Conversion Actions (WhatsApp + Back to Top)
   -------------------------------------------------------------------------- */
.floating-conversion-widget {
  position: fixed;
  bottom: 24px;
  right: 24px;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
  z-index: 999;
}

.floating-whatsapp-btn {
  background: #25D366;
  color: #ffffff;
  border-radius: var(--radius-pill);
  padding: 10px 18px;
  display: flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 20px rgba(37, 211, 102, 0.45);
  font-size: 0.85rem;
  font-weight: 700;
  border: 2px solid #ffffff;
  position: relative;
  transition: all var(--transition-normal);
}

.floating-whatsapp-btn:hover {
  background: #20bd5a;
  transform: scale(1.05) translateY(-2px);
  box-shadow: 0 8px 26px rgba(37, 211, 102, 0.55);
  color: #ffffff;
}

.floating-whatsapp-btn svg {
  width: 20px;
  height: 20px;
}

.floating-wa-pulse {
  position: absolute;
  top: -2px;
  right: -2px;
  width: 10px;
  height: 10px;
  background: #ffffff;
  border-radius: 50%;
  box-shadow: 0 0 8px rgba(0, 0, 0, 0.3);
}

.back-to-top-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-navy-primary);
  color: #ffffff;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.22);
  border: 1px solid rgba(255, 255, 255, 0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all var(--transition-normal);
}

.back-to-top-btn.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top-btn:hover {
  background: var(--color-blue-royal);
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(29, 78, 216, 0.4);
}

.back-to-top-btn svg {
  width: 20px;
  height: 20px;
}

/* --------------------------------------------------------------------------
   17. Modals & Overlays
   -------------------------------------------------------------------------- */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background-color: rgba(4, 14, 33, 0.72);
  backdrop-filter: blur(10px);
  z-index: 100000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s ease;
}

.modal-overlay.open {
  opacity: 1;
  pointer-events: auto;
}

.modal-dialog {
  background-color: #ffffff;
  border-radius: var(--radius-xl);
  width: 100%;
  max-width: 640px;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
  transform: scale(0.94);
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
}

.modal-overlay.open .modal-dialog {
  transform: scale(1);
}

.modal-header {
  padding: 24px 28px;
  border-bottom: 1px solid var(--color-border-light);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.modal-title-group {
  display: flex;
  align-items: center;
  gap: 14px;
}

.modal-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-blue-soft);
  color: var(--color-blue-royal);
}

.modal-icon svg {
  width: 22px;
  height: 22px;
}

.modal-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--color-text-heading);
  line-height: 1.15;
}

.modal-subtitle {
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

.close-modal-btn {
  font-size: 1.8rem;
  color: var(--color-text-muted);
  line-height: 1;
  transition: color var(--transition-fast);
}

.close-modal-btn:hover {
  color: var(--color-navy-deep);
}

.modal-body {
  padding: 24px 28px;
  font-size: 0.92rem;
  line-height: 1.6;
  color: var(--color-text-body);
}

.modal-footer {
  padding: 18px 28px;
  border-top: 1px solid var(--color-border-light);
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 12px;
  background-color: var(--color-bg-surface);
  border-bottom-left-radius: var(--radius-xl);
  border-bottom-right-radius: var(--radius-xl);
}

/* Success Modal */
.success-dialog {
  max-width: 480px;
}

.success-content {
  padding: 36px 28px;
}

.success-checkmark-wrapper {
  width: 72px;
  height: 72px;
  margin: 0 auto 20px;
}

.success-checkmark-svg {
  width: 100%;
  height: 100%;
  border-radius: 50%;
  display: block;
  stroke-width: 3;
  stroke: var(--color-green-emerald);
  stroke-miterlimit: 10;
  box-shadow: inset 0px 0px 0px var(--color-green-emerald);
  animation: fillCircle .4s ease-in-out .4s forwards, scaleCircle .3s ease-in-out .9s both;
}

.checkmark-circle {
  stroke-dasharray: 166;
  stroke-dashoffset: 166;
  stroke-width: 3;
  stroke-miterlimit: 10;
  stroke: var(--color-green-emerald);
  fill: none;
  animation: strokeCircle 0.6s cubic-bezier(0.65, 0, 0.45, 1) forwards;
}

.checkmark-check {
  transform-origin: 50% 50%;
  stroke-dasharray: 48;
  stroke-dashoffset: 48;
  animation: strokeCheck 0.3s cubic-bezier(0.65, 0, 0.45, 1) 0.6s forwards;
}

@keyframes strokeCircle {
  100% { stroke-dashoffset: 0; }
}

@keyframes strokeCheck {
  100% { stroke-dashoffset: 0; }
}

.success-title {
  font-family: var(--font-heading);
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--color-text-heading);
  margin-bottom: 8px;
}

.success-msg {
  font-size: 0.9rem;
  color: var(--color-text-body);
  margin-bottom: 24px;
}

.success-summary-box {
  background-color: var(--color-bg-surface);
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-md);
  padding: 16px;
  margin-bottom: 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  text-align: left;
}

.summary-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.85rem;
}

.summary-row span {
  color: var(--color-text-muted);
}

.summary-row strong {
  color: var(--color-text-heading);
}

.ref-badge {
  background-color: #dbeafe;
  color: #1d4ed8;
  padding: 2px 8px;
  border-radius: 4px;
  font-size: 0.8rem;
  font-family: monospace;
}

.spinner-loader {
  width: 18px;
  height: 18px;
  border: 2px solid rgba(255, 255, 255, 0.4);
  border-top-color: #ffffff;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

/* --------------------------------------------------------------------------
   18. Scroll Reveal Animations
   -------------------------------------------------------------------------- */
.reveal-on-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s cubic-bezier(0.16, 1, 0.3, 1), transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: opacity, transform;
}

.reveal-on-scroll.is-revealed {
  opacity: 1;
  transform: translateY(0);
}

/* --------------------------------------------------------------------------
   18B. Conversion Trust Badges & Mobile Sticky Actions
   -------------------------------------------------------------------------- */
.form-trust-assurance {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid var(--color-border-light);
}

.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--color-navy-primary);
  background: var(--color-blue-soft);
  padding: 3px 8px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--color-blue-border);
}

.trust-icon {
  font-size: 0.8rem;
}

/* Mobile Sticky Conversion Bar */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  height: 64px;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(18px);
  border-top: 1px solid rgba(226, 232, 240, 0.9);
  box-shadow: 0 -6px 24px rgba(7, 23, 57, 0.12);
  z-index: 999;
  padding: 8px 14px;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
}

.mobile-bar-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 0.82rem;
  font-weight: 700;
  padding: 10px 12px;
  border-radius: var(--radius-pill);
  text-decoration: none;
  flex: 1;
  text-align: center;
  transition: all var(--transition-fast);
}

.mobile-bar-btn svg {
  width: 17px;
  height: 17px;
  flex-shrink: 0;
}

.mobile-bar-btn.bar-call {
  background: var(--color-blue-soft);
  color: var(--color-blue-royal);
  border: 1px solid var(--color-blue-border);
}

.mobile-bar-btn.bar-whatsapp {
  background: #f0fdf4;
  color: #15803d;
  border: 1px solid var(--color-green-border);
}

.mobile-bar-btn.bar-apply {
  background: linear-gradient(135deg, #059669, #10b981);
  color: #ffffff;
  flex: 1.3;
  box-shadow: 0 4px 14px rgba(16, 185, 129, 0.32);
}

/* --------------------------------------------------------------------------
   19. Responsive Breakpoints
   -------------------------------------------------------------------------- */
@media (max-width: 1199px) {
  .features-row {
    grid-template-columns: repeat(4, 1fr);
  }
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .eligibility-container {
    grid-template-columns: 1fr 1.3fr;
  }
  .eligibility-right {
    grid-column: span 2;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 991px) {
  :root {
    --header-height: 72px;
  }

  .nav-menu {
    display: none;
  }

  .hamburger-btn {
    display: flex;
  }

  .hero-container {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero-content {
    max-width: 100%;
    text-align: center;
  }

  .hero-social-proof {
    justify-content: center;
  }

  .hero-services-ticker {
    justify-content: center;
  }

  .hero-cta-group {
    justify-content: center;
  }

  .hero-reassurance-tags {
    justify-content: center;
  }

  .calc-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .steps-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }

  .steps-progress-line {
    display: none;
  }

  .eligibility-container {
    grid-template-columns: 1fr;
  }

  .eligibility-left {
    min-height: 400px;
  }

  .advisor-frame {
    min-height: 400px;
    height: 400px;
  }

  .eligibility-right {
    grid-column: span 1;
    grid-template-columns: 1fr;
  }

  .bottom-pillars-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
  }
}

@media (max-width: 767px) {
  .top-bar-highlights {
    display: none;
  }

  .top-bar-container {
    justify-content: center;
  }

  .hero-heading {
    font-size: 2.15rem;
  }

  .section-title {
    font-size: 1.85rem;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .features-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .form-grid-2 {
    grid-template-columns: 1fr;
  }

  .calc-card {
    padding: 24px 18px;
  }

  .eligibility-form-card {
    padding: 24px 18px;
  }

  .hero-block-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .stats-glass-card {
    flex-direction: column;
    align-items: flex-start;
    padding: 24px 20px;
  }

  .stat-divider {
    display: none;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .floating-wa-label {
    display: none;
  }

  .floating-whatsapp-btn {
    padding: 12px;
    border-radius: 50%;
  }

  .mobile-sticky-bar {
    display: flex;
  }

  body {
    padding-bottom: 64px;
  }

  .floating-conversion-widget {
    bottom: 74px;
  }
}

@media (max-width: 540px) {
  .header-actions .btn-primary-green {
    display: none;
  }
}

@media (max-width: 480px) {
  .hero-heading {
    font-size: 1.85rem;
  }

  .features-row {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: 1fr;
  }

  .hero-cta-group .btn {
    width: 100%;
  }
}

/* --------------------------------------------------------------------------
   20. Legal Pages (Terms & Conditions, Privacy Policy)
   -------------------------------------------------------------------------- */
.legal-hero-section {
  background: radial-gradient(circle at 10% 20%, rgba(37, 99, 235, 0.08) 0%, transparent 60%),
              radial-gradient(circle at 90% 80%, rgba(16, 185, 129, 0.06) 0%, transparent 60%),
              linear-gradient(180deg, #f8faff 0%, #edf4fd 100%);
  padding: 56px 0 44px;
  border-bottom: 1px solid var(--color-border-light);
  text-align: center;
}

.legal-breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-text-muted);
  margin-bottom: 14px;
}

.legal-breadcrumb a {
  color: var(--color-blue-royal);
  text-decoration: none;
}

.legal-breadcrumb a:hover {
  text-decoration: underline;
}

.legal-page-title {
  font-family: var(--font-heading);
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--color-navy-deep);
  letter-spacing: -0.5px;
  margin-bottom: 10px;
}

.legal-page-subtitle {
  font-size: 0.95rem;
  color: var(--color-text-body);
  max-width: 600px;
  margin: 0 auto;
}

.legal-page-section {
  padding: 56px 0 80px;
  background-color: #fafcff;
}

.legal-layout-grid {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 40px;
  align-items: start;
}

.legal-sidebar-sticky {
  position: sticky;
  top: 100px;
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  border: 1px solid var(--color-border-light);
  box-shadow: var(--shadow-sm);
}

.legal-sidebar-title {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 800;
  color: var(--color-navy-primary);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--color-border-light);
}

.legal-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.legal-nav-item a {
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--color-text-body);
  text-decoration: none;
  padding: 6px 10px;
  border-radius: 6px;
  display: block;
  transition: all var(--transition-fast);
}

.legal-nav-item a:hover,
.legal-nav-item a.active {
  background-color: var(--color-blue-soft);
  color: var(--color-blue-royal);
  padding-left: 14px;
}

.legal-content-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  padding: 44px;
  border: 1px solid var(--color-border-light);
  box-shadow: var(--shadow-md);
}

.legal-article-section {
  margin-bottom: 36px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--color-border-light);
}

.legal-article-section:last-child {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: none;
}

.legal-article-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--color-navy-primary);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.legal-article-title .section-num {
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--color-blue-royal);
  background: var(--color-blue-soft);
  padding: 2px 8px;
  border-radius: 4px;
  border: 1px solid var(--color-blue-border);
}

.legal-article-text {
  font-size: 0.92rem;
  color: var(--color-text-body);
  line-height: 1.7;
  margin-bottom: 14px;
}

.legal-article-list {
  padding-left: 20px;
  margin-bottom: 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.legal-article-list li {
  font-size: 0.9rem;
  color: var(--color-text-body);
  line-height: 1.6;
}

/* Highlighted Callout Box for the consent clause */
.legal-callout-consent {
  background: linear-gradient(135deg, #f0fdf4 0%, #e0f2fe 100%);
  border: 1.5px solid #86efac;
  border-left: 5px solid var(--color-green-emerald);
  border-radius: var(--radius-md);
  padding: 22px 24px;
  margin: 18px 0;
  box-shadow: 0 4px 16px rgba(16, 185, 129, 0.08);
}

.legal-callout-header {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 800;
  color: #065f46;
  margin-bottom: 10px;
}

.legal-callout-header svg {
  width: 20px;
  height: 20px;
  color: var(--color-green-emerald);
}

.legal-callout-text {
  font-size: 0.92rem;
  color: #0f172a;
  line-height: 1.7;
  font-weight: 500;
}

@media (max-width: 991px) {
  .legal-layout-grid {
    grid-template-columns: 1fr;
  }
  .legal-sidebar-sticky {
    position: static;
    margin-bottom: 24px;
  }
  .legal-content-card {
    padding: 28px 20px;
  }
  .legal-page-title {
    font-size: 2.1rem;
  }
}

/* ==========================================================================
   15. HERO SUBHEADING BAR
   ========================================================================== */
.hero-subheading-bar {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px 12px;
  margin: 14px 0 20px 0;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: #38bdf8;
  letter-spacing: 0.02em;
}

.subheading-item {
  color: #f1f5f9;
  position: relative;
  transition: color var(--transition-fast);
}

.subheading-item:hover {
  color: #38bdf8;
}

.subheading-divider {
  color: var(--color-green-emerald);
  font-weight: 900;
  opacity: 0.7;
}

/* ==========================================================================
   16. 4 DEDICATED LOAN PRODUCT SHOWCASE SECTIONS
   ========================================================================== */
.dedicated-loans-section {
  background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
  border-top: 1px solid var(--color-border-light);
  border-bottom: 1px solid var(--color-border-light);
}

.dedicated-loans-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-top: 10px;
}

.dedicated-loan-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--color-border-light);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transition: all var(--transition-normal);
  position: relative;
}

.dedicated-loan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
}

.dedicated-loan-card.card-pl::before {
  background: linear-gradient(90deg, #1e40af, #3b82f6);
}

.dedicated-loan-card.card-bl::before {
  background: linear-gradient(90deg, #047857, #10b981);
}

.dedicated-loan-card.card-hl::before {
  background: linear-gradient(90deg, #0284c7, #38bdf8);
}

.dedicated-loan-card.card-lap-detail::before {
  background: linear-gradient(90deg, #6d28d9, #8b5cf6);
}

.dedicated-loan-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.dedicated-card-header {
  padding: 28px 28px 18px;
  border-bottom: 1px solid var(--color-border-light);
}

.dedicated-badge-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}

.dedicated-product-tag {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  padding: 4px 12px;
  border-radius: var(--radius-full);
}

.tag-pl {
  background: #eff6ff;
  color: #1e40af;
  border: 1px solid #bfdbfe;
}

.tag-bl {
  background: #ecfdf5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

.tag-hl {
  background: #f0f9ff;
  color: #0369a1;
  border: 1px solid #bae6fd;
}

.tag-lap {
  background: #f5f3ff;
  color: #5b21b6;
  border: 1px solid #ddd6fe;
}

.dedicated-rate-badge {
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 700;
  color: #0f172a;
  background: #f1f5f9;
  padding: 4px 10px;
  border-radius: 6px;
}

.dedicated-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--color-navy-primary);
  margin-bottom: 8px;
  line-height: 1.3;
}

.dedicated-desc {
  font-size: 0.92rem;
  color: var(--color-text-body);
  line-height: 1.55;
}

.dedicated-body {
  padding: 22px 28px;
  flex: 1;
}

.dedicated-list-title {
  font-family: var(--font-heading);
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--color-text-heading);
  margin-bottom: 12px;
}

.dedicated-feature-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px 14px;
}

.dedicated-feature-list li {
  font-size: 0.88rem;
  color: #334155;
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
}

.list-check-icon {
  color: var(--color-green-emerald);
  font-weight: 800;
  font-size: 0.88rem;
}

.dedicated-footer {
  padding: 0 28px 28px;
}

.btn-emerald {
  background: linear-gradient(135deg, #059669 0%, #10b981 100%);
  color: #ffffff;
  border: none;
  font-family: var(--font-heading);
  font-weight: 700;
  border-radius: var(--radius-md);
  padding: 12px 20px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(16, 185, 129, 0.25);
  transition: all var(--transition-normal);
}

.btn-emerald:hover {
  background: linear-gradient(135deg, #047857 0%, #059669 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(16, 185, 129, 0.35);
  color: #ffffff;
}

.btn-blue {
  background: linear-gradient(135deg, #1d4ed8 0%, #2563eb 100%);
  color: #ffffff;
  border: none;
  font-family: var(--font-heading);
  font-weight: 700;
  border-radius: var(--radius-md);
  padding: 12px 20px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.25);
  transition: all var(--transition-normal);
}

.btn-blue:hover {
  background: linear-gradient(135deg, #1e40af 0%, #1d4ed8 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(37, 99, 235, 0.35);
  color: #ffffff;
}

.btn-purple {
  background: linear-gradient(135deg, #6d28d9 0%, #7c3aed 100%);
  color: #ffffff;
  border: none;
  font-family: var(--font-heading);
  font-weight: 700;
  border-radius: var(--radius-md);
  padding: 12px 20px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(124, 58, 237, 0.25);
  transition: all var(--transition-normal);
}

.btn-purple:hover {
  background: linear-gradient(135deg, #5b21b6 0%, #6d28d9 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(124, 58, 237, 0.35);
  color: #ffffff;
}

/* ==========================================================================
   17. DEDICATED CONTACT US SECTION
   ========================================================================== */
.contact-highlight-section {
  background-color: var(--color-navy-dark);
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.contact-showcase-card {
  position: relative;
  z-index: 2;
}

.contact-channels-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 36px;
}

.contact-channel-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  text-decoration: none;
  color: #ffffff;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: all var(--transition-normal);
  backdrop-filter: blur(10px);
}

.contact-channel-card:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.25);
  transform: translateY(-4px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.25);
}

.contact-channel-card.whatsapp-channel:hover {
  border-color: #25d366;
  box-shadow: 0 10px 25px rgba(37, 211, 102, 0.2);
}

.channel-icon-circle {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.channel-icon-circle svg {
  width: 24px;
  height: 24px;
}

.icon-call {
  background: rgba(59, 130, 246, 0.15);
  color: #60a5fa;
  border: 1px solid rgba(59, 130, 246, 0.3);
}

.icon-wa {
  background: rgba(37, 211, 102, 0.15);
  color: #4ade80;
  border: 1px solid rgba(37, 211, 102, 0.3);
}

.icon-email {
  background: rgba(245, 158, 11, 0.15);
  color: #fbbf24;
  border: 1px solid rgba(245, 158, 11, 0.3);
}

.icon-hours {
  background: rgba(168, 85, 247, 0.15);
  color: #c084fc;
  border: 1px solid rgba(168, 85, 247, 0.3);
}

.channel-info {
  display: flex;
  flex-direction: column;
  gap: 4px;
  width: 100%;
}

.channel-label {
  font-size: 0.85rem;
  color: #94a3b8;
  font-weight: 600;
}

.channel-value {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: #ffffff;
  word-break: break-all;
}

.channel-sub {
  font-size: 0.78rem;
  color: #cbd5e1;
}

.channel-time-badge {
  display: inline-block;
  background: var(--color-green-emerald);
  color: #ffffff;
  font-size: 0.76rem;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 4px;
  margin-top: 6px;
  width: fit-content;
}

/* ==========================================================================
   18. WEBSITE DISCLAIMER BANNER
   ========================================================================== */
.disclaimer-callout-section {
  background-color: #031024;
  padding: 24px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.disclaimer-callout-card {
  background: rgba(245, 158, 11, 0.08);
  border: 1px solid rgba(245, 158, 11, 0.25);
  border-left: 4px solid #f59e0b;
  border-radius: var(--radius-md);
  padding: 16px 20px;
}

.disclaimer-title-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 6px;
}

.disclaimer-banner-title {
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 800;
  color: #fbbf24;
  letter-spacing: 0.06em;
}

.disclaimer-text-content {
  font-size: 0.82rem;
  color: #cbd5e1;
  line-height: 1.6;
}

.disclaimer-text-content strong {
  color: #f1f5f9;
}

@media (max-width: 991px) {
  .dedicated-loans-grid {
    grid-template-columns: 1fr;
  }
  .contact-channels-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .hero-subheading-bar {
    font-size: 0.92rem;
  }
}

@media (max-width: 640px) {
  .contact-channels-grid {
    grid-template-columns: 1fr;
  }
  .dedicated-feature-list {
    grid-template-columns: 1fr;
  }
  .hero-subheading-bar {
    font-size: 0.85rem;
    gap: 6px 8px;
  }
}