/* =========================================================
   SITE.CSS  -  Loan Website
   Sections:
   1.  Themes (CSS variables)
   2.  Global reset + Arial font (sabse zaroori block)
   3.  Buttons
   4.  Navbar
   5.  Hero section
   6.  Application card
   7.  Trust strip / section helpers
   8.  Loan cards
   9.  Calculator
   10. Process / Eligibility / Accordion / CTA
   11. Footer + Mobile bottom nav
   12. About us / Customers / Apply form
   13. Home page elements
   14. Personal Loan page
   15. Animations
   16. Responsive (991px / 767px)
========================================================= */


/* =========================================================
   1. THEMES
========================================================= */

/* Default Theme - VIBRANT INDIGO */
:root {
    --blue: #4f46e5;
    --blue-dark: #3730a3;
    --orange: #f97316;
    --green: #10b981;
    --navy: #1e1b4b;
    --text: #172235;
    --muted: #6d788a;
    --line: #e5eaf1;
    --soft: #f6f8fc;
    --white: #fff;
    --nav-active-color: #6C4EE3;
    /* Bootstrap 5 ke font variables override - Arial har jagah */
    --bs-body-font-family: Arial, Helvetica, sans-serif;
    --bs-font-sans-serif: Arial, Helvetica, sans-serif;
}

/* Green Theme */
[data-theme="green"] {
    --blue: #00875a;
    --blue-dark: #005236;
    --orange: #ffab00;
    --navy: #093220;
    --soft: #f2f9f5;
}

/* Purple Theme */
[data-theme="purple"] {
    --blue: #6b46c1;
    --blue-dark: #44337a;
    --orange: #e53e3e;
    --navy: #1a202c;
    --soft: #f7fafc;
}

/* Dark Mode Theme */
[data-theme="dark"] {
    --blue: #3182ce;
    --blue-dark: #2b6cb0;
    --navy: #0f172a;
    --text: #f1f5f9;
    --muted: #94a3b8;
    --line: #334155;
    --soft: #1e293b;
    --white: #0f172a;
}

/* Original Blue Theme - body pe data-theme="classic-blue" lagana */
[data-theme="classic-blue"] {
    --blue: #0756a5;
    --blue-dark: #063b78;
    --orange: #f05a00;
    --navy: #071a35;
}


/* =========================================================
   2. GLOBAL RESET + ARIAL FONT
========================================================= */

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 85px;
}

body {
    margin: 0;
    color: var(--text);
    background: #fff;
    padding-bottom: 0;
}

a {
    text-decoration: none;
}

.lendingstation-title {
    font-family: 'Manrope', sans-serif;
    font-size: 15px;
    font-weight: 100;
    margin-top: 15px;
    margin-bottom: 8px;
    letter-spacing: 0.5px;
}

html,
body,
h1, h2, h3, h4, h5, h6,
p, span, a, li, ul, ol,
div, section, label, small, strong, b, em, td, th,
.navbar, .nav-link, .dropdown-menu, .modal, .toast,
.accordion-button, .accordion-body,
.btn, .btn-brand, .btn-soft, .btn-white,
.form-label, .form-check-label,
.emi-big, .stat-num, .chart-ring strong {
    font-family: Arial, Helvetica, sans-serif !important;
}
input,
select,
textarea,
button,
optgroup,
option,
.form-control,
.form-select,
.value-input-wrap input {
    font-family: Arial, Helvetica, sans-serif !important;
}

i[class^="bi-"],
i[class*=" bi-"],
.bi,
i[class^="fa-"],
i[class*=" fa-"],
.fa, .fas, .far, .fab, .fa-brands, .fa-solid {
    font-family: inherit !important;
}

.bi::before,
[class^="bi-"]::before,
[class*=" bi-"]::before {
    font-family: "bootstrap-icons" !important;
}

.fa::before, .fas::before, .far::before, .fab::before,
.fa-brands::before, .fa-solid::before,
[class^="fa-"]::before,
[class*=" fa-"]::before {
    font-family: "Font Awesome 6 Free", "Font Awesome 6 Brands", "Font Awesome 5 Free" !important;
}

.btn-brand,
.btn-soft,
.btn-white {
    position: relative;
    overflow: hidden;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    font-size: 14px;
    line-height: 1;
    letter-spacing: .2px;
    text-align: center;
    text-decoration: none;
    cursor: pointer;
    white-space: nowrap;
}

.btn-brand {
    background: linear-gradient(135deg, var(--blue), var(--blue-dark));
    color: #fff !important;
    border: 0;
    border-radius: 12px;
    font-weight: 700;
    box-shadow: 0 10px 24px rgba(79,70,229,.22);
    transition: transform .25s ease, box-shadow .25s ease, background .25s ease;
}

    .btn-brand:hover {
        color: #fff !important;
        background: linear-gradient(135deg, var(--blue-dark), var(--blue));
        transform: translateY(-2px);
        box-shadow: 0 16px 32px rgba(79,70,229,.30);
    }

.btn-soft {
    background: #fff;
    color: var(--blue) !important;
    border: 1.5px solid #dce6f3;
    border-radius: 12px;
    font-weight: 700;
    transition: .25s ease;
}

    .btn-soft:hover {
        background: #eef2ff;
        border-color: var(--blue);
        color: var(--blue) !important;
        transform: translateY(-2px);
    }

.btn-white {
    background: #fff;
    color: var(--blue) !important;
    border: 0;
    border-radius: 12px;
    font-weight: 800;
    box-shadow: 0 10px 24px rgba(0,0,0,.12);
    transition: .25s ease;
}

    .btn-white:hover {
        background: #f0f3ff;
        color: var(--blue-dark) !important;
        transform: translateY(-2px);
    }

/* Shine sweep effect */
.btn-brand:after,
.btn-soft:after,
.btn-white:after {
    content: "";
    position: absolute;
    top: 0;
    left: -120%;
    width: 70%;
    height: 100%;
    transform: skewX(-20deg);
    background: linear-gradient(90deg,transparent,rgba(255,255,255,.28),transparent);
    transition: left .55s ease;
    pointer-events: none;
}

.btn-brand:hover:after,
.btn-soft:hover:after,
.btn-white:hover:after {
    left: 140%;
}

.btn-interactive {
    transition: transform .2s ease, box-shadow .2s ease;
}

    .btn-interactive:hover {
        transform: translateY(-2px);
        box-shadow: 0 4px 12px rgba(0,0,0,.15);
    }


/* =========================================================
   4. NAVBAR
========================================================= */

.site-navbar {
    background: rgba(255,255,255,.96);
    backdrop-filter: blur(15px);
    border-bottom: 1px solid rgba(7,26,53,.07);
    padding: 10px 0;
    z-index: 1030;
}

.brand-wrap {
    display: flex;
    align-items: center;
}

.brand-logo {
    width: 145px;
    height: 68px;
    object-fit: contain;
    object-position: center;
    background: #fff;
    transition: transform .3s ease;
}

    .brand-logo:hover {
        transform: scale(1.04);
    }

.site-navbar .nav-link {
    position: relative;
    margin: 0 8px;
    font-size: 14px;
    font-weight: 500;
    color: #333 !important;
    transition: color .2s ease;
}

    .site-navbar .nav-link:hover {
        color: var(--nav-active-color) !important;
    }

    .site-navbar .nav-link.active {
        color: var(--nav-active-color) !important;
        font-weight: 700;
    }

        .site-navbar .nav-link.active::after {
            content: "";
            position: absolute;
            left: 0;
            bottom: -4px;
            width: 100%;
            height: 2px;
            background-color: var(--nav-active-color);
            border-radius: 2px;
        }

/* Theme switcher */
.theme-switcher {
    display: flex;
    gap: 8px;
    align-items: center;
}

    .theme-switcher button {
        padding: 6px 12px;
        border-radius: 6px;
        border: 1px solid var(--line);
        background: var(--white);
        color: var(--text);
        font-size: 12px;
        font-weight: 700;
        cursor: pointer;
        transition: .2s;
    }

        .theme-switcher button:hover {
            background: var(--blue);
            color: #fff;
        }


/* =========================================================
   5. HERO SECTION
========================================================= */

.hero-section {
    position: relative;
    min-height: calc(100vh - 90px);
    padding: 110px 0 80px;
    overflow: hidden;
    background: linear-gradient(135deg,#f7fbff 0%,#fff 58%,#fff9f5 100%);
}

.hero-orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(1px);
    pointer-events: none;
}

.orb-one,
.hero-orb-1 {
    width: 460px;
    height: 460px;
    right: -220px;
    top: -200px;
    background: radial-gradient(circle,rgba(79,70,229,.14),transparent 65%);
    animation: floatOrb 8s ease-in-out infinite;
}

.orb-two,
.hero-orb-2 {
    width: 400px;
    height: 400px;
    left: -250px;
    bottom: -220px;
    background: radial-gradient(circle,rgba(249,115,22,.12),transparent 65%);
    animation: floatOrb 10s 1s ease-in-out infinite;
}

.eyebrow,
.section-kicker {
    display: inline-block;
    font-size: 12px;
    font-weight: 900;
    letter-spacing: 1.6px;
    color: var(--blue);
    margin-bottom: 16px;
}

.hero-section h1 {
    font-size: clamp(43px,6vw,72px);
    line-height: 1.02;
    letter-spacing: -2.7px;
    font-weight: 800;
    color: var(--navy);
    margin: 0 0 24px;
    animation: heroFadeUp .8s .08s ease both;
}

    .hero-section h1 span {
        color: var(--orange);
    }

.text-brand {
    color: var(--orange);
}

.hero-copy {
    max-width: 630px;
    color: var(--muted);
    font-size: 18px;
    line-height: 1.75;
    margin-bottom: 30px;
    animation: heroFadeUp .8s .16s ease both;
}

.hero-description {
    max-width: 630px;
    color: var(--muted);
    font-size: 17px;
    line-height: 1.8;
    margin-bottom: 14px;
}

.hero-actions {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    animation: heroFadeUp .8s .24s ease both;
}

.hero-trust {
    display: flex;
    gap: 22px;
    flex-wrap: wrap;
    margin-top: 28px;
    color: #5f6b7d;
    font-size: 12px;
    font-weight: 700;
    animation: heroFadeUp .8s .32s ease both;
}

    .hero-trust i {
        color: var(--green);
        margin-right: 5px;
    }

.hero-section .eyebrow {
    animation: heroFadeUp .7s ease both;
}

.hero-disclaimer {
    max-width: 650px;
    margin-top: 22px;
    color: #7f8998;
    font-size: 11px;
    line-height: 1.6;
}


/* =========================================================
   6. APPLICATION CARD
========================================================= */

.application-card {
    position: relative;
    background: #fff;
    border: 1px solid rgba(7,26,53,.07);
    border-radius: 24px;
    padding: 29px;
    box-shadow: 0 25px 65px rgba(7,35,75,.13);
    animation: heroFadeRight .9s .12s cubic-bezier(.2,.8,.2,1) both, cardGlow 5s 1s ease-in-out infinite;
}

    .application-card h3 {
        font-size: 23px;
        margin: 4px 0 0;
    }

.card-top-line {
    position: absolute;
    top: 0;
    left: 25px;
    right: 25px;
    height: 4px;
    border-radius: 0 0 10px 10px;
    background: linear-gradient(90deg,var(--blue),var(--orange),var(--green),var(--blue));
    background-size: 300% 100%;
    animation: gradientMove 4s linear infinite;
}

.mini-label {
    font-size: 10px;
    font-weight: 900;
    color: var(--orange);
    letter-spacing: 1.5px;
}

.apply-icon {
    width: 43px;
    height: 43px;
    border-radius: 12px;
    background: #fff3eb;
    color: var(--orange);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
}

.secure-note {
    text-align: center;
    font-size: 10px;
    color: #9aa2ae;
    margin-top: 12px;
}


/* =========================================================
   7. FORMS / TRUST STRIP / SECTION HELPERS
========================================================= */

.form-label {
    font-size: 12px;
    font-weight: 800;
    color: #465267;
    margin-bottom: 7px;
}

.form-control,
.form-select {
    min-height: 47px;
    border: 1px solid #dfe5ee;
    border-radius: 9px;
    font-size: 13px;
    box-shadow: none;
}

    .form-control:focus,
    .form-select:focus {
        border-color: var(--blue);
        box-shadow: 0 0 0 3px rgba(79,70,229,.12);
    }

.form-check-label {
    font-size: 11px;
    color: #7b8493;
}

.compact-card {
    background: #fff;
    padding: 2rem;
    border-radius: 12px;
    box-shadow: 0 10px 25px rgba(0,0,0,.05);
    transition: all .3s ease;
}

#formAlert {
    display: none;
}

.trust-strip {
    padding: 20px 0;
    border-bottom: 1px solid var(--line);
    background: #fff;
}

.trust-item {
    height: 100%;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 9px;
    font-size: 12px;
    font-weight: 800;
    color: #596578;
}

    .trust-item i {
        font-size: 18px;
        color: var(--blue);
    }

.section-pad {
    padding: 40px 0;
}

.section-padding {
    padding: 70px 0;
}

main > section.section-pad:first-child {
    padding-top: 40px;
}

.bg-light-soft,
.section-soft {
    background: var(--soft);
}

.section-heading {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 52px;
}

    .section-heading h2 {
        font-size: 40px;
        line-height: 1.16;
        letter-spacing: -1.3px;
        color: var(--navy);
        font-weight: 800;
        margin: 0 0 14px;
    }

    .section-heading p {
        color: var(--muted);
        line-height: 1.75;
        margin: 0;
    }

.section-description {
    max-width: 700px;
    margin: 0 auto;
    color: var(--muted);
    font-size: 14.5px;
    line-height: 1.8;
}


/* =========================================================
   8. LOAN CARDS
========================================================= */

.loan-card {
    position: relative;
    overflow: hidden;
    height: 100%;
    padding: 31px;
    border-radius: 22px;
    background: #fff;
    border: 1px solid var(--line);
    opacity: 0;
    transform: translateY(28px);
    transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}

    .loan-card.reveal {
        animation: cardReveal .7s cubic-bezier(.2,.75,.2,1) forwards;
    }

    .loan-card:hover {
        transform: translateY(-9px);
        box-shadow: 0 25px 55px rgba(7,35,75,.13);
    }

    .loan-card:after {
        content: "";
        position: absolute;
        inset: auto -70px -100px auto;
        width: 220px;
        height: 220px;
        border-radius: 50%;
        opacity: .12;
        transition: .4s;
    }

    .loan-card:hover:after {
        transform: scale(1.35);
    }

    /* Glow sweep */
    .loan-card:before {
        content: "";
        position: absolute;
        top: -80%;
        left: -35%;
        width: 35%;
        height: 260%;
        transform: rotate(25deg);
        background: linear-gradient(90deg,transparent,rgba(255,255,255,.6),transparent);
        transition: left .7s ease;
        pointer-events: none;
    }

    .loan-card:hover:before {
        left: 120%;
    }

    .loan-card:nth-child(2) {
        animation-delay: .12s;
    }

    .loan-card:nth-child(3) {
        animation-delay: .24s;
    }

    .loan-card h3 {
        font-size: 23px;
        margin: 9px 0 10px;
        color: var(--navy);
    }

    .loan-card p {
        color: var(--muted);
        font-size: 13px;
        line-height: 1.75;
        min-height: 70px;
    }

.loan-blue:after {
    background: var(--blue);
}

.loan-orange:after {
    background: var(--orange);
}

.loan-green:after {
    background: var(--green);
}

.loan-card-glow {
    position: absolute;
    top: -90px;
    right: -90px;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    filter: blur(35px);
    opacity: .12;
    transition: .4s;
}

.loan-card:hover .loan-card-glow {
    opacity: .25;
    transform: scale(1.25);
}

.loan-blue .loan-card-glow {
    background: var(--blue);
}

.loan-orange .loan-card-glow {
    background: var(--orange);
}

.loan-green .loan-card-glow {
    background: var(--green);
}

.loan-icon {
    position: relative;
    width: 59px;
    height: 59px;
    border-radius: 17px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 27px;
    margin-bottom: 22px;
    transition: transform .35s ease;
}

.loan-card:hover .loan-icon {
    transform: rotate(-6deg) scale(1.08);
    animation: iconFloat 1.3s ease-in-out infinite;
}

.loan-blue .loan-icon {
    background: #eef2ff;
    color: var(--blue);
}

.loan-orange .loan-icon {
    background: #fff0e8;
    color: var(--orange);
}

.loan-green .loan-icon {
    background: #edf9e9;
    color: var(--green);
}

.loan-tag {
    font-size: 9px;
    font-weight: 900;
    letter-spacing: 1px;
    color: #7d8796;
}

.loan-meta {
    display: grid;
    gap: 8px;
    margin: 19px 0 24px;
    font-size: 11px;
    font-weight: 700;
    color: #687486;
}

    .loan-meta i {
        color: var(--green);
        margin-right: 5px;
    }

.loan-link {
    position: relative;
    z-index: 2;
    font-size: 13px;
    font-weight: 900;
    color: var(--blue);
}

    .loan-link i {
        transition: transform .25s;
    }

    .loan-link:hover i {
        transform: translate(3px,-3px);
    }

.product-card {
    border: 1px solid rgba(0,0,0,.08) !important;
    transition: transform .3s ease, box-shadow .3s ease;
}

    .product-card:hover {
        transform: translateY(-8px);
        box-shadow: 0 12px 24px rgba(0,0,0,.12) !important;
    }

.feature-list li {
    font-size: .88rem;
    color: #4f5d75;
    margin-bottom: .4rem;
}

.badge-suitable {
    background-color: #eef2ff;
    color: var(--blue);
    font-size: .78rem;
    font-weight: 600;
    padding: .35em .8em;
    border-radius: 50px;
}


/* =========================================================
   9. CALCULATOR
========================================================= */

.calculator-shell {
    overflow: hidden;
    border-radius: 28px;
    background: var(--navy);
    box-shadow: 0 28px 70px rgba(7,26,53,.17);
}

.calculator-controls {
    padding: 46px;
    color: #fff;
    background: radial-gradient(circle at 0 0,rgba(79,70,229,.35),transparent 42%),var(--navy);
    animation: heroFadeUp .7s ease both;
}

    .calculator-controls h2 {
        font-size: 39px;
        line-height: 1.16;
        letter-spacing: -1.2px;
        margin: 0 0 13px;
    }

    .calculator-controls input[type=range] {
        cursor: pointer;
    }

.calculator-intro {
    color: #aeb9ca;
    line-height: 1.7;
    font-size: 14px;
    max-width: 600px;
}

.calc-control {
    margin-top: 28px;
    padding: 10px 14px;
    margin-left: -14px;
    margin-right: -14px;
    border-radius: 12px;
    transition: background .25s ease;
}

    .calc-control:hover {
        background: rgba(255,255,255,.04);
    }

    .calc-control input[type=range] {
        width: 100%;
        accent-color: var(--orange);
        margin-top: 15px;
    }

        .calc-control input[type=range]::-webkit-slider-thumb {
            -webkit-appearance: none;
            width: 18px;
            height: 18px;
            border-radius: 50%;
            background: var(--orange);
            box-shadow: 0 0 0 4px rgba(249,115,22,.2);
            cursor: pointer;
            transition: transform .2s ease, box-shadow .2s ease;
        }

        .calc-control input[type=range]:hover::-webkit-slider-thumb {
            box-shadow: 0 0 0 7px rgba(249,115,22,.28);
        }

        .calc-control input[type=range]:active::-webkit-slider-thumb {
            transform: scale(1.3);
            box-shadow: 0 0 0 9px rgba(249,115,22,.35);
        }

.calc-label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 15px;
}

    .calc-label-row label {
        font-weight: 800;
        font-size: 13px;
    }

.value-input-wrap {
    display: flex;
    align-items: center;
    gap: 5px;
    border: 1px solid rgba(255,255,255,.14);
    background: rgba(255,255,255,.07);
    border-radius: 9px;
    padding: 7px 10px;
    color: #cdd7e6;
    font-size: 11px;
    transition: border-color .25s ease, box-shadow .25s ease, background .25s ease;
}

    .value-input-wrap:hover {
        border-color: rgba(255,255,255,.3);
        background: rgba(255,255,255,.1);
    }

    .value-input-wrap:focus-within {
        border-color: var(--orange);
        box-shadow: 0 0 0 3px rgba(249,115,22,.25);
        background: rgba(255,255,255,.12);
    }

    .value-input-wrap input {
        width: 92px;
        background: transparent;
        border: 0;
        outline: 0;
        color: #fff;
        font-weight: 800;
        text-align: right;
    }

        .value-input-wrap input:focus {
            color: var(--orange);
        }

        .value-input-wrap input[type=number]::-webkit-inner-spin-button,
        .value-input-wrap input[type=number]::-webkit-outer-spin-button {
            opacity: 0;
            filter: invert(1) brightness(1.6);
            cursor: pointer;
        }

        /* Firefox */
        .value-input-wrap input[type=number] {
            -moz-appearance: textfield;
        }

.range-limits {
    display: flex;
    justify-content: space-between;
    color: #7f8da2;
    font-size: 10px;
}

.calc-disclaimer {
    margin-top: 28px;
    color: #7e8ca2;
    font-size: 10px;
    line-height: 1.6;
}

.calculator-result {
    background: #fff;
    padding: 42px 36px;
    animation: heroFadeUp .7s .1s ease both;
}

.result-heading {
    font-size: 12px;
    font-weight: 800;
    color: #758094;
}

.emi-big {
    font-size: 45px;
    font-weight: 800;
    color: var(--blue);
    margin: 4px 0 25px;
    letter-spacing: -1.5px;
}

    .emi-big.pulse {
        animation: emiPulse .35s ease;
    }

.breakdown {
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
}

.breakdown-row {
    display: flex;
    justify-content: space-between;
    padding: 13px 0;
    font-size: 12px;
    color: #748092;
    border-radius: 6px;
    transition: background .2s ease, padding-left .2s ease;
}

    .breakdown-row:hover {
        background: var(--soft);
        padding-left: 8px;
    }

    .breakdown-row strong {
        color: var(--navy);
    }

.mini-chart {
    display: flex;
    align-items: center;
    gap: 22px;
    padding: 25px 0;
}

    .mini-chart:hover .chart-ring {
        transform: scale(1.05);
    }

.chart-ring {
    position: relative;
    width: 112px;
    height: 112px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: conic-gradient(var(--orange) 0deg,var(--orange) 32deg,#e8eef5 32deg 360deg);
    transition: transform .3s ease;
}

    .chart-ring:after {
        content: "";
        position: absolute;
        inset: 13px;
        background: #fff;
        border-radius: 50%;
    }

    .chart-ring div {
        position: relative;
        z-index: 2;
        text-align: center;
    }

    .chart-ring strong {
        display: block;
        font-size: 18px;
        color: var(--navy);
    }

    .chart-ring small {
        font-size: 8px;
        color: #7c8796;
    }

.chart-legend {
    display: grid;
    gap: 11px;
    font-size: 11px;
    color: #697588;
    flex: 1;
}

    .chart-legend > div {
        display: grid;
        grid-template-columns: auto 1fr auto;
        gap: 7px;
        align-items: center;
    }

    .chart-legend strong {
        color: var(--navy);
    }

.legend-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
}

.principal-dot {
    background: #e8eef5;
}

.interest-dot {
    background: var(--orange);
}


/* =========================================================
   10. PROCESS / ELIGIBILITY / ACCORDION / CTA
========================================================= */

.process-row {
    position: relative;
}

.process-card {
    position: relative;
    text-align: center;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 28px 20px;
    height: 100%;
    opacity: 0;
    transform: translateY(24px);
    transition: .3s;
}

    .process-card.reveal {
        animation: cardReveal .65s cubic-bezier(.2,.75,.2,1) forwards;
    }

    .process-card:nth-child(2) {
        animation-delay: .12s;
    }

    .process-card:nth-child(3) {
        animation-delay: .24s;
    }

    .process-card:nth-child(4) {
        animation-delay: .36s;
    }

    .process-card:hover {
        transform: translateY(-6px);
        box-shadow: 0 18px 40px rgba(7,35,75,.09);
    }

    .process-card > i {
        font-size: 25px;
        color: var(--orange);
    }

    .process-card h4 {
        font-size: 17px;
        margin: 13px 0 8px;
    }

    .process-card p {
        font-size: 12px;
        color: var(--muted);
        line-height: 1.7;
        margin: 0;
    }

.process-num {
    width: 48px;
    height: 48px;
    margin: 0 auto 17px;
    border-radius: 50%;
    background: #eef2ff;
    color: var(--blue);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
}

.process-card:hover .process-num {
    animation: numberPulse 1.5s infinite;
}

/* Eligibility row - dono column ke beech space */
.eligibility-row {
    margin-left: -22px;
    margin-right: -22px;
    row-gap: 40px;
}

    .eligibility-row > [class*="col-"] {
        padding-left: 22px;
        padding-right: 22px;
    }

.eligibility-panel {
    padding: 46px;
    border-radius: 26px;
    background: linear-gradient(135deg,#edf6ff,#fff5ee);
    border: 1px solid var(--line);
}

    .eligibility-panel h2 {
        font-size: 38px;
        line-height: 1.2;
        color: var(--navy);
        margin: 0 0 14px;
    }

    .eligibility-panel h3 {
        font-size: 30px;
        color: var(--navy);
        margin: 0 0 12px;
    }

    .eligibility-panel p {
        color: var(--muted);
        line-height: 1.75;
    }

.check-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 16px;
}

    .check-list li {
        display: flex;
        gap: 12px;
        color: #526074;
        font-size: 13px;
        line-height: 1.55;
    }

    .check-list i {
        color: var(--green);
        font-size: 17px;
    }

.accordion-item {
    border: 1px solid var(--line) !important;
    border-radius: 12px !important;
    overflow: hidden;
    margin-bottom: 10px;
}

.accordion-button {
    font-weight: 800;
    font-size: 14px;
    color: var(--navy);
    padding: 19px;
    background: #fff;
    box-shadow: none !important;
}

    .accordion-button:not(.collapsed) {
        color: var(--blue);
        background: #f7fbff;
    }

.accordion-body {
    font-size: 13px;
    color: var(--muted);
    line-height: 1.8;
}

.cta-pad {
    padding: 0 0 90px;
}

.cta-panel {
    position: relative;
    overflow: hidden;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
    padding: 48px 55px;
    border-radius: 28px;
    color: #fff;
    background: linear-gradient(135deg,var(--blue-dark),var(--blue));
    box-shadow: 0 25px 55px rgba(79,70,229,.2);
}

    .cta-panel h2 {
        font-size: 38px;
        line-height: 1.18;
        margin: 0 0 10px;
        max-width: 720px;
    }

    .cta-panel p {
        color: #d5e6fa;
        margin: 0;
    }

    .cta-panel:before {
        content: "";
        position: absolute;
        width: 260px;
        height: 260px;
        border-radius: 50%;
        right: -100px;
        top: -120px;
        background: rgba(255,255,255,.08);
        animation: ctaFloat 7s ease-in-out infinite;
    }

    .cta-panel:after {
        content: "";
        position: absolute;
        width: 150px;
        height: 150px;
        border-radius: 50%;
        left: 35%;
        bottom: -110px;
        background: rgba(255,255,255,.06);
        animation: ctaFloat 9s 1s ease-in-out infinite reverse;
    }

    .cta-panel > * {
        position: relative;
        z-index: 2;
    }


/* =========================================================
   11. FOOTER + MOBILE BOTTOM NAV + FLOATING BUTTONS
========================================================= */

.site-footer {
    background: #061326;
    color: #fff;
    padding: 65px 0 22px;
}

    .site-footer h6 {
        font-size: 13px;
        margin-bottom: 18px;
    }

    .site-footer ul {
        list-style: none;
        padding: 0;
        margin: 0;
        display: grid;
        gap: 11px;
    }

    .site-footer li,
    .site-footer a {
        font-size: 12px;
        color: #8793a8;
    }

        .site-footer a:hover {
            color: #fff;
        }

.footer-logo {
    width: 150px;
    height: 70px;
    object-fit: contain;
    border-radius: 5px;
    transition: transform .3s ease;
}

.footer-copy {
    color: #8895aa;
    font-size: 12px;
    line-height: 1.8;
    max-width: 420px;
}

    .footer-copy strong {
        color: #b8c5d6;
    }

.contact-list i {
    color: #6aa8e2;
    margin-right: 7px;
}

.contact-list li a {
    color: inherit;
    text-decoration: none;
}

    .contact-list li a:hover {
        color: var(--brand-color, #0d6efd);
    }

.footer-bottom {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    border-top: 1px solid rgba(255,255,255,.08);
    margin-top: 42px;
    padding-top: 20px;
    color: #657288;
    font-size: 10px;
}

/* Social icons */
.social-icons {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-top: 14px;
}

    .social-icons a {
        font-size: 18px;
        margin: 0;
        text-decoration: none;
        color: #8895aa;
        transition: color .2s ease, transform .2s ease;
    }

        .social-icons a:hover {
            transform: translateY(-2px);
        }

.fa-instagram:hover {
    color: #E1306C;
}

.fa-facebook:hover {
    color: #1877F2;
}

.fa-x-twitter:hover {
    color: #fff;
}

/* Play Store / App Store badges */
.store-badges {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 18px;
}

.store-badge-link {
    display: inline-flex;
    transition: transform .2s ease, opacity .2s ease;
}

    .store-badge-link:hover {
        transform: translateY(-2px);
        opacity: .9;
    }

.store-badge-img {
    height: 42px;
    width: auto;
    object-fit: contain;
    display: block;
    border-radius: 6px;
}

/* WhatsApp floating button */
.whatsapp-float {
    position: fixed;
    bottom: 24px;
    right: 24px;
    background-color: #25D366;
    color: #fff;
    width: 58px;
    height: 58px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 30px;
    box-shadow: 0 4px 12px rgba(0,0,0,.25);
    z-index: 1050;
    transition: transform .2s ease, background-color .2s ease;
}

    .whatsapp-float:hover {
        background-color: #1ebe57;
        color: #fff;
        transform: scale(1.08);
    }

.mobile-bottom-nav {
    display: none;
}

.toast {
    border: 0;
    border-radius: 12px;
    box-shadow: 0 15px 40px rgba(7,35,75,.18);
}

/* Map */
.map-wrapper {
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,0,0,.08);
}

    .map-wrapper iframe {
        display: block;
        width: 100%;
        min-height: 350px;
    }


/* =========================================================
   12. ABOUT US / CUSTOMERS PAGE
========================================================= */

.stat-card {
    text-align: center;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 30px 15px;
    height: 100%;
    transition: .3s;
}

    .stat-card:hover {
        transform: translateY(-6px);
        box-shadow: 0 18px 40px rgba(7,35,75,.09);
    }

.stat-num {
    font-size: 34px;
    font-weight: 800;
    color: var(--blue);
    line-height: 1;
}

.stat-label {
    font-size: 12px;
    color: var(--muted);
    margin-top: 8px;
    font-weight: 600;
    letter-spacing: .3px;
}

.story-visual {
    position: relative;
    overflow: hidden;
    aspect-ratio: 1;
    border-radius: 26px;
    background: linear-gradient(135deg,var(--blue-dark),var(--blue));
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 72px;
    box-shadow: 0 25px 55px rgba(79,70,229,.2);
}

    .story-visual:after {
        content: "";
        position: absolute;
        inset: 0;
        background: radial-gradient(circle at 30% 20%,rgba(255,255,255,.18),transparent 60%);
    }

.story-copy .section-kicker {
    margin-bottom: 14px;
    display: inline-block;
}

.story-copy h2 {
    font-size: 34px;
    line-height: 1.22;
    color: var(--navy);
    margin: 0 0 16px;
}

.story-copy p {
    color: var(--muted);
    line-height: 1.85;
    margin-bottom: 14px;
    font-size: 14.5px;
}

.value-card {
    position: relative;
    text-align: center;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 32px 22px;
    height: 100%;
    transition: .3s;
}

    .value-card:hover {
        transform: translateY(-6px);
        box-shadow: 0 18px 40px rgba(7,35,75,.09);
    }

    .value-card h4 {
        font-size: 17px;
        margin: 0 0 8px;
        color: var(--navy);
    }

    .value-card p {
        font-size: 12.5px;
        color: var(--muted);
        line-height: 1.7;
        margin: 0;
    }

.value-icon {
    width: 56px;
    height: 56px;
    margin: 0 auto 18px;
    border-radius: 16px;
    background: #eef2ff;
    color: var(--blue);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
}

/* Customers Page - Photo Slider */
.customer-slider-wrap {
    max-width: 1100px;
    margin: 0 auto;
}

.customer-slider-viewport {
    overflow: hidden;
    width: 100%;
}

.customer-slider-track {
    display: flex;
    gap: 20px;
    width: max-content;
    animation: customerScrollRight 10s linear infinite;
}

    .customer-slider-track.paused {
        animation-play-state: paused;
    }

.customer-slide-item {
    flex: 0 0 auto;
    width: 220px;
    height: 220px;
    border-radius: 12px;
    overflow: hidden;
    background: #f5f5f5;
    display: flex;
    align-items: center;
    justify-content: center;
}

    .customer-slide-item img {
        width: 100%;
        height: 100%;
        object-fit: contain;
        display: block;
    }

        .customer-slide-item img:hover {
            transform: scale(1.03);
        }

/* Zoom Lightbox */
.customer-lightbox {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0,0,0,.85);
    z-index: 2000;
    align-items: center;
    justify-content: center;
    opacity: 0;
    transition: opacity .25s ease;
}

    .customer-lightbox.active {
        display: flex;
        opacity: 1;
    }

    .customer-lightbox img {
        max-width: 85%;
        max-height: 85%;
        border-radius: 12px;
        box-shadow: 0 10px 40px rgba(0,0,0,.5);
        transform: scale(.9);
        transition: transform .25s ease;
    }

    .customer-lightbox.active img {
        transform: scale(1);
    }

.customer-lightbox-close {
    position: absolute;
    top: 24px;
    right: 36px;
    font-size: 2.5rem;
    color: #fff;
    cursor: pointer;
    line-height: 1;
    transition: transform .2s ease;
}

    .customer-lightbox-close:hover {
        transform: scale(1.2);
    }


/* =========================================================
   13. HOME PAGE ELEMENTS
========================================================= */

.hero-visual-card {
    position: relative;
    overflow: hidden;
    min-height: 430px;
    padding: 42px;
    border-radius: 28px;
    background: linear-gradient(145deg, var(--navy), var(--blue-dark));
    color: #fff;
    box-shadow: 0 30px 70px rgba(7,35,75,.20);
}

    .hero-visual-card .mini-label {
        position: relative;
        color: #b9d7f5;
    }

    .hero-visual-card h3 {
        position: relative;
        margin: 8px 0 15px;
        font-size: 30px;
        line-height: 1.25;
        color: #fff;
    }

    .hero-visual-card > p {
        position: relative;
        color: #c4d0df;
        line-height: 1.7;
    }

.hero-visual-glow {
    position: absolute;
    width: 260px;
    height: 260px;
    right: -100px;
    top: -100px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255,255,255,.18), transparent 65%);
}

.hero-visual-icon {
    position: relative;
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 18px;
    background: rgba(255,255,255,.12);
    font-size: 28px;
    margin-bottom: 28px;
}

.hero-visual-items {
    position: relative;
    display: grid;
    gap: 12px;
    margin-top: 28px;
}

    .hero-visual-items div {
        display: flex;
        align-items: center;
        gap: 12px;
        padding: 12px 14px;
        border-radius: 12px;
        background: rgba(255,255,255,.07);
        color: #e8f0f8;
        font-size: 13px;
    }

    .hero-visual-items i {
        color: #fff;
        font-size: 17px;
    }

/* Transparency */
.transparency-item {
    height: 100%;
    min-height: 105px;
    padding: 20px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 10px;
    text-align: center;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 16px;
    transition: .3s ease;
}

    .transparency-item:hover {
        transform: translateY(-5px);
        box-shadow: 0 15px 35px rgba(7,35,75,.08);
    }

    .transparency-item i {
        font-size: 23px;
        color: var(--blue);
    }

    .transparency-item span {
        color: #526074;
        font-size: 12px;
        font-weight: 700;
    }

.transparency-note {
    color: var(--muted);
    font-size: 12px;
}

/* Customer Journey */
.journey-flow {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: 10px;
}

.journey-step {
    min-width: 105px;
    padding: 16px 14px;
    text-align: center;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 15px;
    transition: .3s ease;
}

    .journey-step:hover {
        transform: translateY(-5px);
        box-shadow: 0 15px 35px rgba(7,35,75,.08);
    }

    .journey-step span {
        display: block;
        margin-bottom: 5px;
        color: var(--blue);
        font-size: 10px;
        font-weight: 900;
    }

    .journey-step strong {
        color: var(--navy);
        font-size: 12px;
    }

.journey-arrow {
    color: var(--orange);
    font-size: 18px;
}

/* Charm Investments */
.charm-title {
    margin: 0 0 18px;
    color: var(--navy);
    font-size: 38px;
    line-height: 1.2;
}

.charm-copy {
    color: var(--muted);
    font-size: 14px;
    line-height: 1.8;
}

.charm-info-card {
    padding: 38px;
    border-radius: 24px;
    background: #fff;
    border: 1px solid var(--line);
    box-shadow: 0 20px 50px rgba(7,35,75,.08);
}

    .charm-info-card h4 {
        margin-bottom: 8px;
        color: var(--navy);
    }

    .charm-info-card p {
        color: var(--muted);
        font-size: 13px;
    }

    .charm-info-card > span {
        display: block;
        margin-top: 10px;
        color: #596578;
        font-size: 12px;
        font-weight: 700;
    }

        .charm-info-card > span::before {
            content: "✓";
            margin-right: 8px;
            color: var(--green);
        }

.charm-info-icon {
    width: 58px;
    height: 58px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    border-radius: 16px;
    background: #eef2ff;
    color: var(--blue);
    font-size: 25px;
}

.charm-line {
    height: 1px;
    margin: 22px 0;
    background: var(--line);
}


/* =========================================================
   14. PERSONAL LOAN PAGE
========================================================= */

.loan-page h2 {
    font-size: 38px;
    line-height: 1.2;
    letter-spacing: -1px;
    font-weight: 800;
    color: var(--navy);
    margin: 0 0 14px;
}

/* Is page pe loan-blue/orange class nahi lagi, isliye default icon look */
.loan-page .loan-icon {
    background: #eef2ff;
    color: var(--blue);
}

.loan-icon-large {
    width: 66px;
    height: 66px;
    font-size: 30px;
}

.loan-page .value-card .loan-icon {
    margin-left: auto;
    margin-right: auto;
}

.loan-page .loan-tag {
    display: inline-block;
    padding: 5px 12px;
    border-radius: 50px;
    background: #eef2ff;
    color: var(--blue);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1px;
}

/* Hero card ke 01/02/03/04 steps */
.loan-page .application-card .loan-meta {
    grid-template-columns: repeat(4, 1fr);
    gap: 14px;
    text-align: center;
    padding-top: 18px;
    border-top: 1px solid var(--line);
}

    .loan-page .application-card .loan-meta div {
        display: grid;
        gap: 4px;
    }

    .loan-page .application-card .loan-meta strong {
        color: var(--blue);
        font-size: 15px;
    }

    .loan-page .application-card .loan-meta span {
        color: var(--muted);
        font-size: 10px;
        font-weight: 600;
    }

.loan-page .application-card p {
    color: var(--muted);
    font-size: 14px;
    line-height: 1.75;
}

/* value-card reveal class ke bina bhi dikhna chahiye */
.loan-page .value-card {
    opacity: 1;
    transform: none;
}


/* =========================================================
   15. ANIMATIONS
========================================================= */

@keyframes heroFadeUp {
    from {
        opacity: 0;
        transform: translateY(28px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes heroFadeRight {
    from {
        opacity: 0;
        transform: translateX(35px) scale(.98);
    }

    to {
        opacity: 1;
        transform: translateX(0) scale(1);
    }
}

@keyframes floatOrb {
    0%, 100% {
        transform: translate3d(0,0,0) scale(1);
    }

    50% {
        transform: translate3d(18px,24px,0) scale(1.06);
    }
}

@keyframes cardGlow {
    0%, 100% {
        box-shadow: 0 25px 65px rgba(7,35,75,.13);
    }

    50% {
        box-shadow: 0 28px 72px rgba(79,70,229,.19);
    }
}

@keyframes gradientMove {
    0% {
        background-position: 0% 50%;
    }

    100% {
        background-position: 300% 50%;
    }
}

@keyframes cardReveal {
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes iconFloat {
    0%, 100% {
        transform: translateY(0) rotate(0);
    }

    50% {
        transform: translateY(-5px) rotate(-3deg);
    }
}

@keyframes numberPulse {
    0%, 100% {
        box-shadow: 0 0 0 0 rgba(79,70,229,.12);
    }

    50% {
        box-shadow: 0 0 0 10px rgba(79,70,229,0);
    }
}

@keyframes emiPulse {
    0% {
        transform: scale(1);
    }

    45% {
        transform: scale(1.035);
    }

    100% {
        transform: scale(1);
    }
}

@keyframes ctaFloat {
    0%, 100% {
        transform: translate(0,0);
    }

    50% {
        transform: translate(-20px,18px);
    }
}

@keyframes applyPulse {
    0%, 100% {
        box-shadow: 0 10px 25px rgba(249,115,22,.3), 0 0 0 0 rgba(249,115,22,.2);
    }

    50% {
        box-shadow: 0 10px 25px rgba(249,115,22,.3), 0 0 0 9px rgba(249,115,22,0);
    }
}

@keyframes customerScrollRight {
    from {
        transform: translateX(0);
    }

    to {
        transform: translateX(-50%);
    }
}

/* Section reveal */
.reveal-section {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity .8s ease, transform .8s ease;
}

    .reveal-section.visible {
        opacity: 1;
        transform: translateY(0);
    }

/* Reduced motion - animation band, par content DIKHNA chahiye */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        scroll-behavior: auto !important;
        transition-duration: .01ms !important;
    }

    .loan-card,
    .process-card,
    .reveal-section {
        opacity: 1 !important;
        transform: none !important;
    }
}


/* =========================================================
   16. RESPONSIVE
========================================================= */

@media (min-width: 992px) {
    .map-wrapper iframe {
        height: 450px;
    }
}

@media (max-width: 991px) {
    .site-navbar {
        padding: 7px 0;
    }

    .brand-logo {
        width: 125px;
        height: 58px;
    }

    .hero-section {
        min-height: auto;
        padding: 50px 0 60px;
    }

    .section-pad {
        padding: 72px 0;
    }

    .section-padding {
        padding: 50px 0;
    }

    main > section.section-pad:first-child {
        padding-top: 28px;
    }

    .calculator-controls {
        padding: 34px 27px;
    }

    .calculator-result {
        padding: 32px 27px;
    }

    .cta-panel {
        padding: 38px 30px;
    }

    .eligibility-row {
        margin-left: -12px;
        margin-right: -12px;
    }

        .eligibility-row > [class*="col-"] {
            padding-left: 12px;
            padding-right: 12px;
        }

    .eligibility-panel {
        margin-top: 10px;
        padding: 30px 24px;
    }

    .loan-page h2 {
        font-size: 30px;
    }

    .customer-slide-item {
        flex: 0 0 calc(50% - 8px);
    }
}

@media (max-width: 767px) {
    body {
        padding-bottom: 72px;
    }

    html {
        scroll-padding-top: 75px;
    }

    .site-navbar {
        position: sticky;
    }

    .brand-logo {
        width: 115px;
        height: 52px;
    }

    .hero-section {
        padding: 50px 0 60px;
    }

        .hero-section h1 {
            font-size: 43px;
            letter-spacing: -1.7px;
        }

    .hero-copy,
    .hero-description {
        font-size: 15px;
    }

    .hero-disclaimer {
        font-size: 10px;
    }

    .hero-actions .btn,
    .btn-brand,
    .btn-soft,
    .btn-white {
        width: 100%;
    }

    .hero-trust {
        gap: 10px;
        display: grid;
    }

    .application-card {
        padding: 22px;
        margin-top: 10px;
    }

    .trust-strip {
        padding: 15px 0;
    }

    .trust-item {
        justify-content: flex-start;
        font-size: 10px;
    }

    .section-pad {
        padding: 50px 0;
    }

    main > section.section-pad:first-child {
        padding-top: 22px;
    }

    .section-heading {
        margin-bottom: 35px;
    }

        .section-heading h2 {
            font-size: 30px;
        }

    .loan-card {
        padding: 25px;
    }

        .loan-card p {
            min-height: auto;
        }

    .calculator-controls h2 {
        font-size: 31px;
    }

    .calc-label-row {
        align-items: flex-start;
    }

    .value-input-wrap {
        min-width: 115px;
    }

    .calculator-result {
        padding: 28px 22px;
    }

    .emi-big {
        font-size: 37px;
    }

    .mini-chart {
        justify-content: center;
    }

    .eligibility-panel {
        padding: 30px 23px;
    }

        .eligibility-panel h2 {
            font-size: 30px;
        }

    .cta-pad {
        padding-bottom: 55px;
    }

    .cta-panel {
        display: block;
        padding: 34px 25px;
    }

        .cta-panel h2 {
            font-size: 30px;
        }

        .cta-panel .btn,
        .cta-panel .btn-white {
            margin-top: 22px;
            width: 100%;
        }

    .hero-visual-card {
        min-height: auto;
        padding: 28px;
    }

        .hero-visual-card h3 {
            font-size: 25px;
        }

    .journey-flow {
        display: grid;
        grid-template-columns: 1fr 1fr;
    }

    .journey-arrow {
        display: none;
    }

    .journey-step {
        width: 100%;
    }

    .charm-title {
        font-size: 30px;
    }

    .charm-info-card {
        padding: 28px;
    }

    .store-badges {
        gap: 10px;
        margin-top: 14px;
    }

    .store-badge-img {
        height: 36px;
    }

    .whatsapp-float {
        bottom: 80px;
        right: 16px;
        width: 52px;
        height: 52px;
        font-size: 26px;
    }

    .footer-bottom {
        display: grid;
    }

    .mobile-bottom-nav {
        display: grid;
        grid-template-columns: repeat(5,1fr);
        position: fixed;
        left: 0;
        right: 0;
        bottom: 0;
        height: 70px;
        padding: 7px 6px calc(7px + env(safe-area-inset-bottom));
        background: rgba(255,255,255,.98);
        backdrop-filter: blur(15px);
        border-top: 1px solid #e2e7ef;
        box-shadow: 0 -12px 30px rgba(7,35,75,.10);
        z-index: 1100;
    }

        .mobile-bottom-nav a {
            position: relative;
            display: flex;
            flex-direction: column;
            align-items: center;
            justify-content: center;
            gap: 3px;
            color: #758093;
            font-size: 9px;
            font-weight: 800;
        }

        .mobile-bottom-nav i {
            font-size: 19px;
        }

        .mobile-bottom-nav a:active,
        .mobile-bottom-nav a:hover {
            color: var(--blue);
        }

        .mobile-bottom-nav .mobile-apply {
            transform: translateY(-17px);
            background: linear-gradient(135deg,var(--orange),#ff762b);
            width: 55px;
            height: 55px;
            justify-self: center;
            border-radius: 50%;
            color: #fff;
            border: 5px solid #fff;
            box-shadow: 0 10px 25px rgba(249,115,22,.3);
            animation: applyPulse 2.2s infinite;
        }

            .mobile-bottom-nav .mobile-apply i {
                font-size: 20px;
            }

        .mobile-bottom-nav .mobile-calc {
            color: var(--blue);
        }
}

@media (max-width: 575px) {
    .customer-slide-item {
        flex: 0 0 100%;
    }
}


/* =========================================================
   LEGAL / POLICY PAGES
   Used for:
   Privacy Policy
   Credit Policy
   Fair Practice Code
   Grievance Redressal Policy
   Interest Rate Policy
   Recovery Policy
   Terms & Conditions
   Refund / Cancellation Policy
   Data Protection Policy
   Responsible Lending Policy
   ========================================================= */

.legal-page {
    background: #f8fafc;
}

    /* Main section spacing */
    .legal-page .section-pad {
        padding: 70px 0;
    }

    /* Page Heading */
    .legal-page .section-heading {
        margin-bottom: 45px;
    }

    .legal-page .section-kicker {
        display: inline-block;
        font-size: 13px;
        font-weight: 700;
        letter-spacing: 1.5px;
        text-transform: uppercase;
        color: var(--blue);
        margin-bottom: 8px;
    }

    .legal-page .section-heading h2 {
        margin: 0;
        font-size: 38px;
        font-weight: 700;
        color: #111827;
    }

    .legal-page .section-heading p {
        margin-top: 10px;
        color: #6b7280;
        font-size: 14px;
    }


/* =========================================================
   LEFT SIDE TABLE OF CONTENTS
   ========================================================= */

.legal-toc {
    background: #ffffff;
    border: 1px solid #e5e7eb;
    border-radius: 14px;
    padding: 22px;
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.04);
}

    .legal-toc h6 {
        font-size: 15px;
        font-weight: 700;
        color: #111827;
        margin-bottom: 14px !important;
    }

.legal-toc-nav {
    gap: 3px;
}

    .legal-toc-nav .nav-link {
        position: relative;
        display: block;
        padding: 9px 12px;
        border-radius: 8px;
        color: #4b5563;
        font-size: 14px;
        font-weight: 500;
        text-decoration: none;
        transition: all 0.2s ease;
    }

        .legal-toc-nav .nav-link:hover {
            background: #f3f4f6;
            color: var(--blue);
        }

        .legal-toc-nav .nav-link.active {
            background: rgba(79, 70, 229, 0.08);
            color: var(--blue);
            font-weight: 600;
        }


/* =========================================================
   POLICY ACCORDION
   ========================================================= */

.legal-accordion {
    border-radius: 14px;
    overflow: hidden;
}

    .legal-accordion .accordion-item {
        border: 1px solid #e5e7eb;
        border-radius: 12px !important;
        margin-bottom: 12px;
        background: #ffffff;
        overflow: hidden;
        box-shadow: 0 4px 16px rgba(0, 0, 0, 0.035);
    }

    .legal-accordion .accordion-header {
        margin: 0;
    }

    .legal-accordion .accordion-button {
        background: #ffffff;
        color: #111827;
        font-size: 16px;
        font-weight: 600;
        padding: 18px 20px;
        box-shadow: none;
        border: 0;
    }

        .legal-accordion .accordion-button:hover {
            background: #f9fafb;
        }

        .legal-accordion .accordion-button:not(.collapsed) {
            background: #f8f9ff;
            color: var(--blue);
            box-shadow: none;
        }

        .legal-accordion .accordion-button:focus {
            box-shadow: none;
            border: none;
        }

        .legal-accordion .accordion-button::after {
            transition: transform 0.2s ease;
        }

    .legal-accordion .accordion-body {
        padding: 20px 22px 22px;
        border-top: 1px solid #eef0f3;
        color: #4b5563;
        font-size: 15px;
        line-height: 1.75;
    }

        .legal-accordion .accordion-body p {
            margin-bottom: 14px;
        }

            .legal-accordion .accordion-body p:last-child {
                margin-bottom: 0;
            }


/* =========================================================
   POLICY LIST
   ========================================================= */

.legal-list {
    margin: 12px 0 18px;
    padding-left: 22px;
}

    .legal-list li {
        margin-bottom: 8px;
        color: #4b5563;
        line-height: 1.7;
    }

        .legal-list li:last-child {
            margin-bottom: 0;
        }


/* =========================================================
   STRONG / HEADINGS INSIDE POLICY
   ========================================================= */

.legal-accordion .accordion-body strong {
    color: #1f2937;
    font-weight: 600;
}

.legal-accordion .accordion-body h5,
.legal-accordion .accordion-body h6 {
    color: #111827;
    font-weight: 700;
    margin-top: 20px;
    margin-bottom: 10px;
}


/* =========================================================
   POLICY LINKS
   ========================================================= */

.legal-accordion .accordion-body a {
    color: var(--blue);
    text-decoration: none;
    font-weight: 500;
}

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


/* =========================================================
   CONTACT DETAILS
   ========================================================= */

.legal-contact {
    background: #f8fafc;
    border: 1px solid #e5e7eb;
    border-radius: 10px;
    padding: 18px;
    margin-top: 15px;
}

    .legal-contact p {
        margin-bottom: 5px;
    }


/* =========================================================
   RESPONSIVE
   ========================================================= */

@media (max-width: 991.98px) {

    .legal-page .section-pad {
        padding: 55px 0;
    }

    .legal-page .section-heading h2 {
        font-size: 32px;
    }

    .legal-accordion .accordion-button {
        padding: 16px 18px;
        font-size: 15px;
    }

    .legal-accordion .accordion-body {
        padding: 18px;
        font-size: 14px;
    }
}


@media (max-width: 575.98px) {

    .legal-page .section-pad {
        padding: 40px 0;
    }

    .legal-page .section-heading {
        margin-bottom: 30px;
    }

        .legal-page .section-heading h2 {
            font-size: 28px;
        }

        .legal-page .section-heading p {
            font-size: 13px;
        }

    .legal-accordion .accordion-item {
        margin-bottom: 9px;
        border-radius: 10px !important;
    }

    .legal-accordion .accordion-button {
        padding: 14px 15px;
        font-size: 14px;
    }

    .legal-accordion .accordion-body {
        padding: 16px;
        font-size: 14px;
        line-height: 1.65;
    }

    .legal-list {
        padding-left: 19px;
    }
}

/* =========================================================
   LEGAL / POLICY PAGES
   ========================================================= */

.legal-page {
    background: #f8fafc;
}

    .legal-page .section-pad {
        padding: 70px 0;
    }

    .legal-page .section-heading {
        margin-bottom: 45px;
    }

    .legal-page .section-kicker {
        display: inline-block;
        font-size: 13px;
        font-weight: 700;
        letter-spacing: 1.5px;
        text-transform: uppercase;
        color: var(--blue);
        margin-bottom: 8px;
    }

    .legal-page .section-heading h2 {
        margin: 0;
        font-size: 38px;
        font-weight: 700;
        color: #111827;
    }

    .legal-page .section-heading p {
        margin-top: 10px;
        color: #6b7280;
        font-size: 14px;
    }


/* LEFT TABLE OF CONTENTS */

.legal-toc {
    background: #ffffff;
    border: 1px solid #e5e7eb;
    border-radius: 14px;
    padding: 22px;
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.04);
}

    .legal-toc h6 {
        font-size: 15px;
        font-weight: 700;
        color: #111827;
        margin-bottom: 14px !important;
    }

.legal-toc-nav {
    gap: 3px;
}

    .legal-toc-nav .nav-link {
        position: relative;
        display: block;
        padding: 9px 12px;
        border-radius: 8px;
        color: #4b5563;
        font-size: 14px;
        font-weight: 500;
        text-decoration: none;
        transition: all 0.2s ease;
    }

        .legal-toc-nav .nav-link:hover {
            background: #f3f4f6;
            color: var(--blue);
        }

        .legal-toc-nav .nav-link.active {
            background: rgba(79, 70, 229, 0.08);
            color: var(--blue);
            font-weight: 600;
        }


/* ACCORDION */

.legal-accordion {
    border-radius: 14px;
    overflow: hidden;
}

    .legal-accordion .accordion-item {
        border: 1px solid #e5e7eb;
        border-radius: 12px !important;
        margin-bottom: 12px;
        background: #ffffff;
        overflow: hidden;
        box-shadow: 0 4px 16px rgba(0, 0, 0, 0.035);
    }

    .legal-accordion .accordion-header {
        margin: 0;
    }

    .legal-accordion .accordion-button {
        background: #ffffff;
        color: #111827;
        font-size: 16px;
        font-weight: 600;
        padding: 18px 20px;
        box-shadow: none;
        border: 0;
    }

        .legal-accordion .accordion-button:hover {
            background: #f9fafb;
        }

        .legal-accordion .accordion-button:not(.collapsed) {
            background: #f8f9ff;
            color: var(--blue);
            box-shadow: none;
        }

        .legal-accordion .accordion-button:focus {
            box-shadow: none;
            border: none;
        }

    .legal-accordion .accordion-body {
        padding: 20px 22px 22px;
        border-top: 1px solid #eef0f3;
        color: #4b5563;
        font-size: 15px;
        line-height: 1.75;
    }

        .legal-accordion .accordion-body p {
            margin-bottom: 14px;
        }

            .legal-accordion .accordion-body p:last-child {
                margin-bottom: 0;
            }


/* LIST */

.legal-list {
    margin: 12px 0 18px;
    padding-left: 22px;
}

    .legal-list li {
        margin-bottom: 8px;
        color: #4b5563;
        line-height: 1.7;
    }

        .legal-list li:last-child {
            margin-bottom: 0;
        }


/* HEADINGS */

.legal-accordion .accordion-body strong {
    color: #1f2937;
    font-weight: 600;
}

.legal-accordion .accordion-body h5,
.legal-accordion .accordion-body h6 {
    color: #111827;
    font-weight: 700;
    margin-top: 20px;
    margin-bottom: 10px;
}


/* LINKS */

.legal-accordion .accordion-body a {
    color: var(--blue);
    text-decoration: none;
    font-weight: 500;
}

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


/* CONTACT */

.legal-contact {
    background: #f8fafc;
    border: 1px solid #e5e7eb;
    border-radius: 10px;
    padding: 18px;
    margin-top: 15px;
}

    .legal-contact p {
        margin-bottom: 5px;
    }


/* RESPONSIVE */

@media (max-width: 991.98px) {

    .legal-page .section-pad {
        padding: 55px 0;
    }

    .legal-page .section-heading h2 {
        font-size: 32px;
    }

    .legal-accordion .accordion-button {
        padding: 16px 18px;
        font-size: 15px;
    }

    .legal-accordion .accordion-body {
        padding: 18px;
        font-size: 14px;
    }
}


@media (max-width: 575.98px) {

    .legal-page .section-pad {
        padding: 40px 0;
    }

    .legal-page .section-heading {
        margin-bottom: 30px;
    }

        .legal-page .section-heading h2 {
            font-size: 28px;
        }

        .legal-page .section-heading p {
            font-size: 13px;
        }

    .legal-accordion .accordion-item {
        margin-bottom: 9px;
        border-radius: 10px !important;
    }

    .legal-accordion .accordion-button {
        padding: 14px 15px;
        font-size: 14px;
    }

    .legal-accordion .accordion-body {
        padding: 16px;
        font-size: 14px;
        line-height: 1.65;
    }

    .legal-list {
        padding-left: 19px;
    }
}