/* ===== VARIABLES & RESET ===== */
:root {
    --primary: #1a5276;
    --primary-dark: #0e3a56;
    --primary-light: #2980b9;
    --secondary: #f39c12;
    --accent: #e67e22;
    --accent-light: #f5b041;
    --dark: #0b1d2e;
    --dark-card: #112b42;
    --dark-surface: #163450;
    --light: #f8f9fc;
    --light-alt: #eef2f7;
    --white: #ffffff;
    --text: #2c3e50;
    --text-light: #7f8c8d;
    --text-on-dark: #d5dfe8;
    --success: #27ae60;
    --danger: #e74c3c;
    --border: #dce4ec;
    --shadow: 0 4px 24px rgba(26, 82, 118, 0.10);
    --shadow-lg: 0 12px 48px rgba(26, 82, 118, 0.15);
    --radius: 16px;
    --radius-sm: 10px;
    --radius-xs: 6px;
    --gradient: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    --gradient-accent: linear-gradient(135deg, var(--secondary) 0%, var(--accent) 100%);
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --font: 'Poppins', -apple-system, BlinkMacSystemFont, sans-serif;
}

*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: var(--font);
    color: var(--text);
    background: var(--white);
    line-height: 1.7;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

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

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

ul {
    list-style: none;
}

/* ===== CONTAINER ===== */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 16px;
}

/* ===== BUTTONS ===== */
.btn-primary-gradient {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    background: var(--gradient);
    color: var(--white);
    font-weight: 600;
    font-size: 0.95rem;
    border-radius: 50px;
    border: none;
    cursor: pointer;
    transition: var(--transition);
    box-shadow: 0 4px 16px rgba(26, 82, 118, 0.3);
}

.btn-primary-gradient:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(26, 82, 118, 0.4);
}

.btn-outline {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    background: transparent;
    color: var(--white);
    font-weight: 600;
    font-size: 0.95rem;
    border-radius: 50px;
    border: 2px solid rgba(255, 255, 255, 0.4);
    cursor: pointer;
    transition: var(--transition);
}

.btn-outline:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 255, 255, 0.7);
}

.btn-outline-light {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    background: transparent;
    color: var(--white);
    font-weight: 600;
    font-size: 0.95rem;
    border-radius: 50px;
    border: 2px solid rgba(255, 255, 255, 0.4);
    cursor: pointer;
    transition: var(--transition);
}

.btn-outline-light:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--white);
}

.btn-full {
    width: 100%;
    justify-content: center;
}

.btn-nav-apply {
    background: var(--gradient-accent) !important;
    color: var(--white) !important;
    padding: 10px 24px !important;
    border-radius: 50px !important;
    font-weight: 600 !important;
    font-size: 0.85rem !important;
}

/* ===== HEADER ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(12px);
    transition: var(--transition);
    border-bottom: 1px solid transparent;
}

.header.scrolled {
    background: rgba(255, 255, 255, 0.98);
    box-shadow: 0 2px 24px rgba(0, 0, 0, 0.08);
    border-bottom: 1px solid var(--border);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 700;
    font-size: 1.15rem;
    color: var(--primary-dark);
}

.header-logo-img {
    height: 40px;
    width: auto;
}

.logo-text {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary-dark);
    line-height: 1.2;
}

.nav {
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-link {
    padding: 8px 16px;
    font-size: 0.88rem;
    font-weight: 500;
    color: var(--text);
    border-radius: 8px;
    transition: var(--transition);
}

.nav-link:hover,
.nav-link.active {
    color: var(--primary);
    background: rgba(26, 82, 118, 0.06);
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 1001;
}

.hamburger span {
    display: block;
    width: 24px;
    height: 2.5px;
    background: var(--primary-dark);
    border-radius: 2px;
    transition: var(--transition);
}

/* ===== HERO ===== */
.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    background: var(--gradient);
    position: relative;
    overflow: hidden;
    padding: 120px 0 80px;
}

.hero-bg-shapes {
    position: absolute;
    inset: 0;
    overflow: hidden;
    pointer-events: none;
}

.shape {
    position: absolute;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.04);
}

.shape-1 {
    width: 600px;
    height: 600px;
    top: -200px;
    right: -100px;
}

.shape-2 {
    width: 400px;
    height: 400px;
    bottom: -150px;
    left: -100px;
}

.shape-3 {
    width: 300px;
    height: 300px;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
}

.hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content {
    color: var(--white);
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.12);
    color: var(--accent-light);
    padding: 8px 20px;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 1.5px;
    margin-bottom: 24px;
    backdrop-filter: blur(4px);
}

.hero h1 {
    font-size: 3.5rem;
    font-weight: 900;
    line-height: 1.1;
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}

.hero-subtitle {
    font-size: 1.1rem;
    font-weight: 500;
    opacity: 0.9;
    margin-bottom: 36px;
    letter-spacing: 0.5px;
}

.hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-image {
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-image img {
    max-width: 480px;
    width: 100%;
    filter: drop-shadow(0 20px 60px rgba(0, 0, 0, 0.2));
}

/* ===== SECTIONS ===== */
.section {
    padding: 80px 0;
}

.section-light {
    background: var(--white);
}

.section-alt {
    background: var(--light);
}

.section-dark {
    background: var(--dark);
    color: var(--white);
}

.section-dark .section-desc {
    color: var(--text-on-dark);
}

.section-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 18px;
    border-radius: 50px;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.5px;
    background: rgba(26, 82, 118, 0.08);
    color: var(--primary);
    margin-bottom: 12px;
}

.badge-accent {
    background: rgba(243, 156, 18, 0.15) !important;
    color: var(--accent) !important;
}

.section-dark .section-badge {
    background: rgba(255, 255, 255, 0.1);
    color: var(--accent-light);
}

.intro-block {
    text-align: center;
    margin-bottom: 48px;
}

.section-title {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 12px;
    letter-spacing: -0.3px;
}

.section-desc {
    font-size: 1rem;
    color: var(--text-light);
    max-width: 700px;
    margin: 0 auto;
    line-height: 1.8;
}

/* ===== STATS ===== */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.stat-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 36px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.stat-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.stat-icon-wrapper {
    width: 56px;
    height: 56px;
    border-radius: 16px;
    background: var(--gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.4rem;
    color: var(--white);
}

.stat-number {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 4px;
}

.stat-label {
    font-size: 0.88rem;
    color: var(--text-light);
    font-weight: 500;
}

.stat-card-dark {
    background: var(--dark-card);
    border-color: rgba(255, 255, 255, 0.08);
}

.stat-card-dark .stat-number {
    color: var(--white);
}

.stat-card-dark .stat-label {
    color: var(--text-on-dark);
}

.stat-card-dark:hover {
    background: var(--dark-surface);
}

/* ===== IMPACT ===== */
.impact-content {
    text-align: center;
    max-width: 800px;
    margin: 0 auto;
}

.impact-text {
    font-size: 1.15rem;
    line-height: 1.9;
    color: var(--text-on-dark);
    margin-top: 16px;
}

/* ===== SERVICES ===== */
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.service-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 36px 28px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.service-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary-light);
}

.service-icon {
    width: 56px;
    height: 56px;
    border-radius: 16px;
    background: var(--gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    color: var(--white);
    margin-bottom: 16px;
}

.service-tag {
    display: inline-block;
    padding: 4px 12px;
    background: rgba(26, 82, 118, 0.08);
    color: var(--primary);
    font-size: 0.75rem;
    font-weight: 600;
    border-radius: 50px;
    margin-bottom: 12px;
}

.service-card h3 {
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--primary-dark);
}

.service-card p {
    font-size: 0.92rem;
    color: var(--text-light);
    line-height: 1.7;
}

/* ===== WHY CHOOSE US ===== */
.why-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.why-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.why-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.why-icon-box {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: var(--gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    color: var(--white);
    margin: 0 auto 16px;
}

.why-card h4 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--primary-dark);
}

.why-card p {
    font-size: 0.88rem;
    color: var(--text-light);
    line-height: 1.7;
}

/* ===== CTA BANNER ===== */
.cta-banner {
    text-align: center;
}

.cta-content h2 {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 12px;
}

.cta-content p {
    font-size: 1rem;
    color: var(--text-on-dark);
    margin-bottom: 28px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

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

/* ===== ABOUT ===== */
.about-two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 36px;
}

.about-col {
    background: var(--white);
    border-radius: var(--radius);
    padding: 40px 32px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
}

.about-col h3 {
    font-size: 1.4rem;
    font-weight: 700;
    margin: 12px 0;
    color: var(--primary-dark);
}

.about-col p {
    font-size: 0.95rem;
    color: var(--text-light);
    line-height: 1.8;
}

.about-stat {
    margin-top: 24px;
    padding-top: 24px;
    border-top: 1px solid var(--border);
}

.about-stat-number {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--primary);
}

.about-stat-label {
    font-size: 0.88rem;
    color: var(--text-light);
    margin-top: 4px;
}

/* ===== PHILOSOPHY / HOW IT WORKS ===== */
.philosophy-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px;
}

.philosophy-card {
    background: var(--dark-card);
    border-radius: var(--radius);
    padding: 36px 28px;
    border: 1px solid rgba(255, 255, 255, 0.06);
    transition: var(--transition);
}

.philosophy-card.active-card {
    border-color: var(--secondary);
    background: var(--dark-surface);
}

.philosophy-icon {
    width: 56px;
    height: 56px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    color: var(--accent-light);
    margin-bottom: 16px;
}

.philosophy-icon.active-icon {
    background: var(--gradient-accent);
    color: var(--white);
}

.philosophy-card h4 {
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 16px;
}

.philosophy-list li {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    font-size: 0.92rem;
    color: var(--text-on-dark);
    margin-bottom: 12px;
    line-height: 1.6;
}

.philosophy-list li i {
    color: var(--success);
    margin-top: 4px;
    flex-shrink: 0;
}

/* ===== PILLARS ===== */
.pillars-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.pillar-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.pillar-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.pillar-icon-box {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: var(--gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    color: var(--white);
    margin: 0 auto 16px;
}

.pillar-card h4 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--primary-dark);
}

.pillar-card p {
    font-size: 0.88rem;
    color: var(--text-light);
    line-height: 1.7;
}

/* ===== ABOUT CENTER CARD ===== */
.about-center-card {
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.about-center-card h2 {
    font-size: 1.8rem;
    font-weight: 800;
    margin: 12px 0;
}

.center-address {
    font-size: 1rem;
    color: var(--text-on-dark);
    margin-bottom: 8px;
}

.center-desc {
    font-size: 0.95rem;
    color: var(--text-on-dark);
    margin-bottom: 28px;
    line-height: 1.8;
}

.center-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ===== LOAN FEATURES ===== */
.loan-features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-bottom: 48px;
}

.loan-feature {
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px 20px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.loan-feature:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.loan-feature i {
    font-size: 2rem;
    color: var(--primary);
    margin-bottom: 12px;
    display: block;
}

.loan-feature h4 {
    font-size: 0.95rem;
    font-weight: 700;
    margin-bottom: 6px;
    color: var(--primary-dark);
}

.loan-feature p {
    font-size: 0.85rem;
    color: var(--text-light);
}

/* ===== STEPS ===== */
.steps-section {
    text-align: center;
}

.steps-cta {
    margin-bottom: 36px;
}

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

.step-card {
    background: var(--light);
    border-radius: var(--radius);
    padding: 28px 20px;
    text-align: center;
    position: relative;
    border: 1px solid var(--border);
}

.step-num {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--gradient);
    color: var(--white);
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 12px;
    font-size: 1rem;
}

.step-card h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 4px;
}

.step-card p {
    font-size: 0.85rem;
    color: var(--text-light);
}

/* ===== COMPLIANCE ===== */
.compliance-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.compliance-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px 20px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

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

.compliance-card i {
    font-size: 2rem;
    color: var(--primary);
    margin-bottom: 12px;
    display: block;
}

.compliance-card h4 {
    font-size: 0.95rem;
    font-weight: 700;
    margin-bottom: 6px;
    color: var(--primary-dark);
}

.compliance-card p {
    font-size: 0.85rem;
    color: var(--text-light);
}

/* ===== DISBURSAL ===== */
.disbursal-features {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.disbursal-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.disbursal-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.disbursal-card i {
    font-size: 2rem;
    color: var(--primary);
    margin-bottom: 12px;
    display: block;
}

.disbursal-card h4 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 6px;
    color: var(--primary-dark);
}

.disbursal-card p {
    font-size: 0.88rem;
    color: var(--text-light);
}

/* ===== ADVANTAGES ===== */
.advantages-list {
    max-width: 800px;
    margin: 0 auto;
}

.advantage-item {
    display: flex;
    gap: 24px;
    align-items: flex-start;
    margin-bottom: 28px;
    background: var(--white);
    border-radius: var(--radius);
    padding: 28px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.advantage-item:hover {
    transform: translateX(4px);
    box-shadow: var(--shadow-lg);
}

.advantage-num {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--gradient);
    color: var(--white);
    font-weight: 800;
    font-size: 1.2rem;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.advantage-content h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 8px;
}

.advantage-content p {
    font-size: 0.92rem;
    color: var(--text-light);
    line-height: 1.7;
}

/* ===== COMPARISON TABLE ===== */
.comparison-table-wrapper {
    overflow-x: auto;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
}

.comparison-table thead {
    background: var(--dark);
    color: var(--white);
}

.comparison-table th {
    padding: 18px 20px;
    text-align: left;
    font-size: 0.9rem;
    font-weight: 700;
}

.comparison-table th.highlight-col {
    background: var(--primary);
}

.comparison-table td {
    padding: 16px 20px;
    font-size: 0.88rem;
    border-bottom: 1px solid var(--border);
    vertical-align: top;
    line-height: 1.6;
}

.param-cell {
    font-weight: 600;
    color: var(--primary-dark);
    min-width: 180px;
}

.legacy-cell {
    color: var(--text-light);
}

.legacy-cell i {
    color: var(--danger);
    margin-right: 6px;
}

.modern-cell i,
.highlight-col i {
    color: var(--success);
    margin-right: 6px;
}

td.highlight-col {
    background: rgba(26, 82, 118, 0.04);
    color: var(--primary-dark);
    font-weight: 500;
}

/* ===== CONTACT ===== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 36px;
    align-items: start;
}

.contact-info-card {
    background: var(--light);
    border-radius: var(--radius);
    padding: 32px;
}

.contact-info-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-bottom: 24px;
}

.contact-info-item i {
    font-size: 1.4rem;
    color: var(--primary);
    margin-top: 4px;
    flex-shrink: 0;
}

.contact-info-item h4 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 4px;
}

.contact-info-item p {
    font-size: 0.88rem;
    color: var(--text-light);
}

.contact-office {
    margin-top: 24px;
    padding-top: 24px;
    border-top: 1px solid var(--border);
}

.contact-office h4 {
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 8px;
}

.contact-office p {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 4px;
}

.contact-office i {
    color: var(--primary);
    margin-right: 6px;
}

.contact-form-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 36px;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border);
}

.contact-form-card h3 {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 8px;
}

.contact-form-card > p {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 24px;
}

/* ===== FORM ===== */
.form-group {
    margin-bottom: 18px;
}

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

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: var(--font);
    font-size: 0.92rem;
    color: var(--text);
    background: var(--white);
    transition: var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--primary-light);
    box-shadow: 0 0 0 3px rgba(41, 128, 185, 0.12);
}

.form-group textarea {
    resize: vertical;
}

.radio-group {
    display: flex;
    gap: 20px;
}

.radio-label {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.9rem;
    font-weight: 500;
    cursor: pointer;
}

.radio-label input[type="radio"] {
    width: auto;
    accent-color: var(--primary);
}

.form-security {
    font-size: 0.8rem;
    color: var(--text-light);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 6px;
}

.form-security i {
    color: var(--success);
}

.form-success {
    text-align: center;
    padding: 40px 20px;
}

.form-success i {
    font-size: 3rem;
    color: var(--success);
    margin-bottom: 16px;
}

.form-success h3 {
    font-size: 1.3rem;
    color: var(--primary-dark);
    margin-bottom: 8px;
}

.form-success p {
    color: var(--text-light);
}

/* ===== FAQ ===== */
.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius);
    margin-bottom: 12px;
    border: 1px solid var(--border);
    overflow: hidden;
    transition: var(--transition);
}

.faq-item:hover {
    border-color: var(--primary-light);
}

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

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    cursor: pointer;
    gap: 16px;
}

.faq-question h4 {
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--primary-dark);
    flex: 1;
}

.faq-question i {
    font-size: 1.2rem;
    color: var(--primary);
    transition: var(--transition);
    flex-shrink: 0;
}

.faq-item.open .faq-question i {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
}

.faq-item.open .faq-answer {
    max-height: 300px;
    padding: 0 24px 20px;
}

.faq-answer p {
    font-size: 0.92rem;
    color: var(--text-light);
    line-height: 1.8;
}

/* ===== MODAL ===== */
.modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.6);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 16px;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.modal-overlay.open {
    opacity: 1;
    visibility: visible;
}

.modal-content {
    background: var(--white);
    border-radius: var(--radius);
    max-width: 600px;
    width: 100%;
    max-height: 90vh;
    overflow-y: auto;
    padding: 36px;
    position: relative;
    transform: translateY(20px);
    transition: var(--transition);
}

.modal-overlay.open .modal-content {
    transform: translateY(0);
}

.modal-close {
    position: absolute;
    top: 16px;
    right: 16px;
    background: var(--light);
    border: none;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    font-size: 1rem;
    color: var(--text);
    transition: var(--transition);
}

.modal-close:hover {
    background: var(--danger);
    color: var(--white);
}

.modal-content h2 {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 24px;
}

.repay-section {
    background: var(--light);
    border-radius: var(--radius-sm);
    padding: 20px;
    margin-bottom: 20px;
}

.repay-section h4 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 6px;
}

.repay-section > p {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-bottom: 12px;
}

.repay-detail {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 8px 0;
    font-size: 0.88rem;
    border-top: 1px solid var(--border);
}

.repay-detail span {
    color: var(--text-light);
}

.repay-detail strong {
    color: var(--primary-dark);
}

.repay-details-grid {
    display: flex;
    flex-direction: column;
}

.repay-form-section {
    margin-top: 24px;
    padding-top: 24px;
    border-top: 1px solid var(--border);
}

.repay-form-section h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 6px;
}

.repay-form-section > p {
    font-size: 0.88rem;
    color: var(--text-light);
    margin-bottom: 20px;
}

.repay-help {
    margin-top: 20px;
    padding: 16px;
    background: rgba(26, 82, 118, 0.06);
    border-radius: var(--radius-sm);
    text-align: center;
}

.repay-help p {
    font-size: 0.85rem;
    color: var(--text-light);
}

.repay-help i {
    color: var(--primary);
    margin-right: 6px;
}

/* ===== FOOTER ===== */
.footer {
    background: var(--dark);
    color: var(--text-on-dark);
    padding: 60px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1.2fr;
    gap: 40px;
    margin-bottom: 40px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
}

.footer-logo img {
    height: 36px;
}

.footer-logo span {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--white);
}

.footer-brand p {
    font-size: 0.88rem;
    line-height: 1.8;
    color: var(--text-on-dark);
}

.footer-links h4,
.footer-contact h4 {
    color: var(--white);
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 16px;
}

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

.footer-links ul li a {
    font-size: 0.88rem;
    color: var(--text-on-dark);
    transition: var(--transition);
}

.footer-links ul li a:hover {
    color: var(--accent-light);
    padding-left: 4px;
}

.footer-contact p {
    font-size: 0.88rem;
    line-height: 1.8;
    margin-bottom: 8px;
}

.footer-contact strong {
    color: var(--white);
    font-size: 0.8rem;
    letter-spacing: 0.5px;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 28px 0;
}

.footer-disclaimer {
    margin-bottom: 20px;
}

.footer-disclaimer p {
    font-size: 0.8rem;
    line-height: 1.7;
    color: rgba(213, 223, 232, 0.7);
    margin-bottom: 4px;
}

.footer-copyright {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
}

.footer-copyright p {
    font-size: 0.82rem;
    color: rgba(213, 223, 232, 0.5);
}

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

.footer-policy-links a {
    font-size: 0.82rem;
    color: rgba(213, 223, 232, 0.6);
    transition: var(--transition);
}

.footer-policy-links a:hover {
    color: var(--accent-light);
}

/* ===== ANIMATIONS ===== */
[data-animate] {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

[data-animate].visible {
    opacity: 1;
    transform: translateY(0);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero-inner {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-image {
        display: none;
    }

    .hero-actions {
        justify-content: center;
    }

    .why-grid,
    .pillars-grid,
    .loan-features-grid,
    .compliance-grid,
    .steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

@media (max-width: 768px) {
    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        background: var(--white);
        flex-direction: column;
        padding: 80px 24px 24px;
        box-shadow: -4px 0 24px rgba(0, 0, 0, 0.1);
        transition: right 0.3s ease;
        gap: 4px;
        align-items: stretch;
        z-index: 1000;
    }

    .nav.open {
        right: 0;
    }

    .hamburger {
        display: flex;
    }

    .header.menu-open .hamburger span:nth-child(1) {
        transform: rotate(45deg) translate(5px, 5px);
    }

    .header.menu-open .hamburger span:nth-child(2) {
        opacity: 0;
    }

    .header.menu-open .hamburger span:nth-child(3) {
        transform: rotate(-45deg) translate(5px, -5px);
    }

    .hero h1 {
        font-size: 2.2rem;
    }

    .hero-subtitle {
        font-size: 0.95rem;
    }

    .section-title {
        font-size: 1.5rem;
    }

    .stats-grid,
    .services-grid,
    .disbursal-features {
        grid-template-columns: 1fr;
    }

    .about-two-col,
    .philosophy-grid,
    .contact-grid {
        grid-template-columns: 1fr;
    }

    .why-grid,
    .pillars-grid,
    .loan-features-grid,
    .compliance-grid,
    .steps-grid {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .footer-copyright {
        flex-direction: column;
        text-align: center;
    }

    .comparison-table th,
    .comparison-table td {
        padding: 12px 14px;
        font-size: 0.82rem;
    }

    .advantage-item {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .modal-content {
        padding: 24px;
    }

    .cta-content h2 {
        font-size: 1.5rem;
    }
}

@media (max-width: 480px) {
    .hero {
        padding: 100px 0 60px;
    }

    .hero h1 {
        font-size: 1.8rem;
    }

    .hero-actions {
        flex-direction: column;
        align-items: center;
    }

    .section {
        padding: 60px 0;
    }

    .btn-primary-gradient,
    .btn-outline,
    .btn-outline-light {
        padding: 12px 24px;
        font-size: 0.88rem;
    }
}