/* ==========================================================================
   EMI Savers — Loan Company Website
   Shared Stylesheet (style.css)
   Palette: Blue (#0d4f9e), White (#ffffff), Green (#16a34a)
   Built on top of Bootstrap 5.3
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. CSS Custom Properties (Design Tokens)
   -------------------------------------------------------------------------- */
:root {
  /* Brand colors */
  --brand-blue: #0d4f9e;
  --brand-blue-dark: #093a75;
  --brand-blue-light: #e8f1fb;
  --brand-green: #16a34a;
  --brand-green-dark: #12833c;
  --brand-green-light: #e9f9ef;
  --brand-white: #ffffff;

  /* Neutrals */
  --text-dark: #1e293b;
  --text-body: #475569;
  --text-muted: #64748b;
  --surface-light: #f8fafc;
  --border-light: #e2e8f0;

  /* Typography */
  --font-base: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;

  /* Effects */
  --shadow-sm: 0 2px 8px rgba(13, 79, 158, 0.08);
  --shadow-md: 0 8px 24px rgba(13, 79, 158, 0.12);
  --shadow-lg: 0 16px 40px rgba(13, 79, 158, 0.16);
  --radius-md: 0.75rem;
  --radius-lg: 1.25rem;
  --transition-base: all 0.3s ease;

  /* Bootstrap overrides */
  --bs-primary: var(--brand-blue);
  --bs-success: var(--brand-green);
  --bs-body-font-family: var(--font-base);
  --bs-body-color: var(--text-body);
  --bs-link-color: var(--brand-blue);
  --bs-link-hover-color: var(--brand-blue-dark);
}

/* --------------------------------------------------------------------------
   2. Base & Typography
   -------------------------------------------------------------------------- */
html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-base);
  color: var(--text-body);
  background-color: var(--brand-white);
  line-height: 1.7;
  font-size: 1rem;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-base);
  color: var(--text-dark);
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 0.75rem;
}

h1 { font-size: clamp(2rem, 4vw + 1rem, 3.25rem); }
h2 { font-size: clamp(1.6rem, 2.5vw + 0.75rem, 2.4rem); }
h3 { font-size: clamp(1.3rem, 1.5vw + 0.6rem, 1.75rem); }
h4 { font-size: 1.25rem; }
h5 { font-size: 1.1rem; }
h6 { font-size: 1rem; }

p {
  margin-bottom: 1rem;
}

a {
  color: var(--brand-blue);
  text-decoration: none;
  transition: var(--transition-base);
}

a:hover,
a:focus {
  color: var(--brand-blue-dark);
}

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

::selection {
  background-color: var(--brand-blue);
  color: var(--brand-white);
}

/* Accessible focus states */
a:focus-visible,
button:focus-visible,
.btn:focus-visible,
.form-control:focus-visible {
  outline: 3px solid rgba(13, 79, 158, 0.4);
  outline-offset: 2px;
}

/* Section rhythm */
.section-padding {
  padding: 5rem 0;
}

.section-title {
  position: relative;
  margin-bottom: 1rem;
}

.section-title::after {
  content: "";
  display: block;
  width: 64px;
  height: 4px;
  margin-top: 0.75rem;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-green));
}

.section-title.text-center::after,
.text-center .section-title::after {
  margin-left: auto;
  margin-right: auto;
}

.section-subtitle {
  max-width: 640px;
  color: var(--text-muted);
  margin-bottom: 2.5rem;
}

.text-center .section-subtitle,
.section-subtitle.mx-auto {
  margin-left: auto;
  margin-right: auto;
}

/* --------------------------------------------------------------------------
   3. Buttons
   -------------------------------------------------------------------------- */
.btn {
  font-weight: 600;
  border-radius: 50rem;
  padding: 0.65rem 1.75rem;
  transition: var(--transition-base);
  letter-spacing: 0.01em;
}

.btn-primary {
  background-color: var(--brand-blue);
  border-color: var(--brand-blue);
  color: var(--brand-white);
}

.btn-primary:hover,
.btn-primary:focus,
.btn-primary:active {
  background-color: var(--brand-blue-dark);
  border-color: var(--brand-blue-dark);
  color: var(--brand-white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-success {
  background-color: var(--brand-green);
  border-color: var(--brand-green);
  color: var(--brand-white);
}

.btn-success:hover,
.btn-success:focus,
.btn-success:active {
  background-color: var(--brand-green-dark);
  border-color: var(--brand-green-dark);
  color: var(--brand-white);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(22, 163, 74, 0.25);
}

.btn-outline-primary {
  border-color: var(--brand-blue);
  color: var(--brand-blue);
}

.btn-outline-primary:hover,
.btn-outline-primary:focus {
  background-color: var(--brand-blue);
  border-color: var(--brand-blue);
  color: var(--brand-white);
  transform: translateY(-2px);
}

.btn-outline-light:hover,
.btn-outline-light:focus {
  color: var(--brand-blue);
  transform: translateY(-2px);
}

.btn-lg {
  padding: 0.85rem 2.25rem;
  font-size: 1.05rem;
}

.btn-sm {
  padding: 0.4rem 1.25rem;
  font-size: 0.875rem;
}

/* --------------------------------------------------------------------------
   4. Navbar
   -------------------------------------------------------------------------- */
.site-navbar {
  background-color: var(--brand-white);
  box-shadow: var(--shadow-sm);
  padding-top: 0.85rem;
  padding-bottom: 0.85rem;
  transition: var(--transition-base);
}

.site-navbar.navbar-scrolled {
  box-shadow: var(--shadow-md);
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
}

.site-navbar .navbar-brand {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--brand-blue);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.site-navbar .navbar-brand i {
  color: var(--brand-green);
  font-size: 1.75rem;
}

.site-navbar .navbar-brand span {
  color: var(--brand-green);
}

.site-navbar .nav-link {
  font-weight: 600;
  color: var(--text-dark);
  padding: 0.5rem 1rem;
  position: relative;
  transition: var(--transition-base);
}

.site-navbar .nav-link::after {
  content: "";
  position: absolute;
  left: 1rem;
  right: 1rem;
  bottom: 0.15rem;
  height: 2px;
  border-radius: 1px;
  background-color: var(--brand-green);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}

.site-navbar .nav-link:hover,
.site-navbar .nav-link:focus,
.site-navbar .nav-link.active {
  color: var(--brand-blue);
}

.site-navbar .nav-link:hover::after,
.site-navbar .nav-link.active::after {
  transform: scaleX(1);
}

.site-navbar .navbar-toggler {
  border: none;
  padding: 0.25rem 0.5rem;
}

.site-navbar .navbar-toggler:focus {
  box-shadow: 0 0 0 3px rgba(13, 79, 158, 0.25);
}

.navbar-cta {
  margin-left: 0.75rem;
}

.navbar-brand {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.6rem;
    font-weight: 700;
    text-decoration: none;
}

.navbar-brand .logo {
    width: 140px;
    height: 70px;
    /* object-fit: contain; */
}

.navbar-brand span {
    color: #0d6efd; /* Change to your brand color */
}

/* --------------------------------------------------------------------------
   5. Hero Section
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--brand-blue-dark) 0%, var(--brand-blue) 55%, #1465c4 100%);
  color: var(--brand-white);
  padding: 6.5rem 0 7.5rem;
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  top: -120px;
  right: -120px;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(22, 163, 74, 0.35) 0%, rgba(22, 163, 74, 0) 70%);
  pointer-events: none;
}

.hero::after {
  content: "";
  position: absolute;
  bottom: -160px;
  left: -100px;
  width: 380px;
  height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.12) 0%, rgba(255, 255, 255, 0) 70%);
  pointer-events: none;
}

.hero h1 {
  color: var(--brand-white);
  font-weight: 800;
  margin-bottom: 1.25rem;
}

.hero .hero-highlight {
  color: #6ee7a0;
}

.hero .hero-lead {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.88);
  max-width: 560px;
  margin-bottom: 2rem;
}

.hero .hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: var(--brand-white);
  border-radius: 50rem;
  padding: 0.4rem 1.1rem;
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
}

.hero .hero-badge i {
  color: #6ee7a0;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 2.5rem;
  margin-top: 3rem;
}

.hero-stat h3 {
  color: var(--brand-white);
  font-size: 1.75rem;
  font-weight: 800;
  margin-bottom: 0.15rem;
}

.hero-stat p {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.9rem;
  margin-bottom: 0;
}

.hero-image-wrap {
  position: relative;
  text-align: center;
}

.hero-image-wrap img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

/* Page hero (inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--brand-blue-dark) 0%, var(--brand-blue) 100%);
  color: var(--brand-white);
  padding: 4.5rem 0;
  text-align: center;
}

.page-hero h1 {
  color: var(--brand-white);
}

.page-hero .breadcrumb {
  justify-content: center;
  margin-bottom: 0;
}

.page-hero .breadcrumb-item a {
  color: rgba(255, 255, 255, 0.8);
}

.page-hero .breadcrumb-item a:hover {
  color: var(--brand-white);
}

.page-hero .breadcrumb-item.active {
  color: #6ee7a0;
}

.page-hero .breadcrumb-item + .breadcrumb-item::before {
  color: rgba(255, 255, 255, 0.6);
}

/* --------------------------------------------------------------------------
   6. Cards
   -------------------------------------------------------------------------- */
.card {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  transition: var(--transition-base);
}

.feature-card,
.service-card {
  height: 100%;
  background-color: var(--brand-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 2rem 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition-base);
}

.feature-card:hover,
.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.card-icon {
  width: 64px;
  height: 64px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  background-color: var(--brand-blue-light);
  color: var(--brand-blue);
  font-size: 1.75rem;
  margin-bottom: 1.25rem;
  transition: var(--transition-base);
}

.card-icon.icon-green {
  background-color: var(--brand-green-light);
  color: var(--brand-green);
}

.feature-card:hover .card-icon,
.service-card:hover .card-icon {
  background-color: var(--brand-blue);
  color: var(--brand-white);
}

.feature-card:hover .card-icon.icon-green,
.service-card:hover .card-icon.icon-green {
  background-color: var(--brand-green);
  color: var(--brand-white);
}

.service-card .card-link {
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.service-card .card-link i {
  transition: var(--transition-base);
}

.service-card .card-link:hover i {
  transform: translateX(4px);
}

/* Stat / trust cards */
.stat-card {
  background-color: var(--brand-white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  padding: 1.75rem;
  text-align: center;
  height: 100%;
  transition: var(--transition-base);
}

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

.stat-card .stat-number {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--brand-blue);
}

.stat-card .stat-label {
  color: var(--text-muted);
  margin-bottom: 0;
}

/* Testimonial cards */
.testimonial-card {
  background-color: var(--brand-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  padding: 2rem;
  height: 100%;
}

.testimonial-card .stars {
  color: #f59e0b;
  margin-bottom: 0.75rem;
}

.testimonial-card .testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-top: 1.25rem;
}

.testimonial-card .author-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: var(--brand-blue-light);
  color: var(--brand-blue);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

/* Step / process cards */
.step-card {
  text-align: center;
  padding: 1.5rem;
}

.step-card .step-number {
  width: 56px;
  height: 56px;
  margin: 0 auto 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-green));
  color: var(--brand-white);
  font-size: 1.35rem;
  font-weight: 800;
}

/* --------------------------------------------------------------------------
   7. Forms
   -------------------------------------------------------------------------- */
.form-control,
.form-select {
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  padding: 0.7rem 1rem;
  transition: var(--transition-base);
}

.form-control:focus,
.form-select:focus {
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 0.25rem rgba(13, 79, 158, 0.15);
}

.form-label {
  font-weight: 600;
  color: var(--text-dark);
}

.contact-info-box {
  background-color: var(--surface-light);
  border-radius: var(--radius-md);
  padding: 2rem;
  height: 100%;
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.contact-info-item i {
  font-size: 1.35rem;
  color: var(--brand-green);
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   8. CTA Band
   -------------------------------------------------------------------------- */
.cta-band {
  background: linear-gradient(135deg, var(--brand-green-dark) 0%, var(--brand-green) 100%);
  color: var(--brand-white);
  border-radius: var(--radius-lg);
  padding: 3.5rem 2.5rem;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: "";
  position: absolute;
  top: -80px;
  right: -80px;
  width: 260px;
  height: 260px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.12);
  pointer-events: none;
}

.cta-band h2 {
  color: var(--brand-white);
}

.cta-band p {
  color: rgba(255, 255, 255, 0.9);
}

.cta-band .btn-light {
  color: var(--brand-green-dark);
  font-weight: 700;
}

/* --------------------------------------------------------------------------
   9. Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: #0b2545;
  color: rgba(255, 255, 255, 0.75);
  padding: 4.5rem 0 0;
}

.site-footer .footer-brand {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--brand-white);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.site-footer .footer-brand i,
.site-footer .footer-brand span {
  color: #4ade80;
}

.site-footer h5 {
  color: var(--brand-white);
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
}

.site-footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.site-footer ul li {
  margin-bottom: 0.65rem;
}

.site-footer a {
  color: rgba(255, 255, 255, 0.7);
  transition: var(--transition-base);
}

.site-footer a:hover,
.site-footer a:focus {
  color: #4ade80;
  padding-left: 4px;
}

.site-footer .footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
}

.site-footer .footer-contact i {
  color: #4ade80;
  margin-top: 0.2rem;
}

.site-footer .footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.08);
  color: var(--brand-white);
  margin-right: 0.5rem;
  font-size: 1.05rem;
}

.site-footer .footer-social a:hover {
  background-color: var(--brand-green);
  color: var(--brand-white);
  padding-left: 0;
  transform: translateY(-3px);
}

.site-footer .footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  margin-top: 3rem;
  padding: 1.5rem 0;
  font-size: 0.9rem;
}

.site-footer .footer-bottom a {
  color: rgba(255, 255, 255, 0.7);
}

.site-footer .footer-bottom a:hover {
  color: #4ade80;
  padding-left: 0;
}

/* Back-to-top button */
.back-to-top {
  position: fixed;
  right: 1.5rem;
  bottom: 1.5rem;
  width: 46px;
  height: 46px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  border-radius: 50%;
  background-color: var(--brand-green);
  color: var(--brand-white);
  font-size: 1.15rem;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: var(--transition-base);
  z-index: 1050;
}

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

.back-to-top:hover {
  background-color: var(--brand-green-dark);
}

/* --------------------------------------------------------------------------
   10. Animations
   -------------------------------------------------------------------------- */
@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(28px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}

.animate-fade-up {
  animation: fadeInUp 0.8s ease both;
}

.animate-fade-in {
  animation: fadeIn 1s ease both;
}

.animate-float {
  animation: floatY 5s ease-in-out infinite;
}

.animate-delay-1 { animation-delay: 0.15s; }
.animate-delay-2 { animation-delay: 0.3s; }
.animate-delay-3 { animation-delay: 0.45s; }
.animate-delay-4 { animation-delay: 0.6s; }

/* Scroll-reveal (toggled by main.js via IntersectionObserver) */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

/* Respect reduced-motion preferences */
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}

/* --------------------------------------------------------------------------
   11. Utility Classes
   -------------------------------------------------------------------------- */
.bg-light-blue { background-color: var(--brand-blue-light); }
.bg-light-green { background-color: var(--brand-green-light); }
.bg-surface { background-color: var(--surface-light); }

.text-brand-blue { color: var(--brand-blue); }
.text-brand-green { color: var(--brand-green); }
.text-dark-heading { color: var(--text-dark); }

.fw-800 { font-weight: 800; }

.rounded-brand { border-radius: var(--radius-md); }
.rounded-brand-lg { border-radius: var(--radius-lg); }

.shadow-brand-sm { box-shadow: var(--shadow-sm); }
.shadow-brand-md { box-shadow: var(--shadow-md); }
.shadow-brand-lg { box-shadow: var(--shadow-lg); }

.divider-gradient {
  height: 4px;
  width: 64px;
  border-radius: 2px;
  border: none;
  opacity: 1;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-green));
}

.icon-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background-color: var(--brand-green-light);
  color: var(--brand-green);
  font-size: 1.25rem;
}

.list-check {
  list-style: none;
  padding-left: 0;
}

.list-check li {
  position: relative;
  padding-left: 1.9rem;
  margin-bottom: 0.65rem;
}

.list-check li::before {
  content: "\f26a"; /* Bootstrap Icons: check-circle-fill */
  font-family: "bootstrap-icons";
  position: absolute;
  left: 0;
  top: 0.1rem;
  color: var(--brand-green);
}

/* Legal pages (privacy / terms) */
.legal-content h2 {
  font-size: 1.5rem;
  margin-top: 2.5rem;
}

.legal-content h3 {
  font-size: 1.2rem;
  margin-top: 1.75rem;
}

.legal-content ul {
  margin-bottom: 1.25rem;
}

/* Skip link for accessibility */
.skip-link {
  position: absolute;
  top: -48px;
  left: 0.5rem;
  z-index: 2000;
  background-color: var(--brand-blue);
  color: var(--brand-white);
  padding: 0.6rem 1.25rem;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  font-weight: 600;
  transition: top 0.3s ease;
}

.skip-link:focus {
  top: 0;
  color: var(--brand-white);
}

/* --------------------------------------------------------------------------
   12. Responsive Media Queries
   -------------------------------------------------------------------------- */

/* Large tablets & small desktops (≤ 1199px) */
@media (max-width: 1199.98px) {
  .section-padding {
    padding: 4.5rem 0;
  }

  .hero {
    padding: 5.5rem 0 6.5rem;
  }
}

/* Tablets (≤ 991px) */
@media (max-width: 991.98px) {
  .section-padding {
    padding: 4rem 0;
  }

  .hero {
    padding: 4.5rem 0 5.5rem;
    text-align: center;
  }

  .hero .hero-lead {
    margin-left: auto;
    margin-right: auto;
  }

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

  .hero-image-wrap {
    margin-top: 3rem;
  }

  .site-navbar .navbar-collapse {
    background-color: var(--brand-white);
    border-radius: var(--radius-md);
    padding: 1rem;
    margin-top: 0.75rem;
    box-shadow: var(--shadow-md);
  }

  .site-navbar .nav-link::after {
    display: none;
  }

  .navbar-cta {
    margin-left: 0;
    margin-top: 0.75rem;
    display: inline-block;
  }

  .cta-band {
    text-align: center;
    padding: 3rem 1.75rem;
  }

  .cta-band .btn {
    margin-top: 1.25rem;
  }
}

/* Mobile landscape (≤ 767px) */
@media (max-width: 767.98px) {
  .section-padding {
    padding: 3.25rem 0;
  }

  .hero {
    padding: 3.75rem 0 4.5rem;
  }

  .hero-stats {
    gap: 1.75rem;
  }

  .hero-stat h3 {
    font-size: 1.4rem;
  }

  .page-hero {
    padding: 3.25rem 0;
  }

  .feature-card,
  .service-card,
  .testimonial-card {
    padding: 1.6rem 1.4rem;
  }

  .site-footer {
    padding-top: 3.25rem;
  }

  .site-footer .footer-bottom {
    text-align: center;
  }
}

/* Mobile portrait (≤ 575px) */
@media (max-width: 575.98px) {
  body {
    font-size: 0.95rem;
  }

  .hero .hero-lead {
    font-size: 1.05rem;
  }

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

  .hero-actions .btn {
    width: 100%;
  }

  .btn-lg {
    padding: 0.75rem 1.75rem;
    font-size: 1rem;
  }

  .cta-band {
    padding: 2.5rem 1.25rem;
  }

  .back-to-top {
    right: 1rem;
    bottom: 1rem;
    width: 42px;
    height: 42px;
  }
}

/* ==========================================================================
   13. Premium Polish Layer
   Appended enhancement pass — refines shadows, gradients, glassmorphism,
   hover interactions and typography. No layout changes; later rules
   intentionally override the base styles above.
   ========================================================================== */

:root {
  --shadow-premium: 0 1px 2px rgba(11, 37, 69, 0.05), 0 8px 24px rgba(11, 37, 69, 0.07);
  --shadow-premium-lg: 0 2px 4px rgba(11, 37, 69, 0.05), 0 12px 32px rgba(13, 79, 158, 0.10), 0 32px 64px rgba(13, 79, 158, 0.10);
  --gradient-brand: linear-gradient(135deg, #0d4f9e 0%, #1465c4 100%);
  --gradient-green: linear-gradient(135deg, #12833c 0%, #16a34a 55%, #22c55e 100%);
  --ease-premium: cubic-bezier(0.16, 1, 0.3, 1);
}

/* ---------- Modern typography hierarchy ---------- */
h1, h2, h3 {
  letter-spacing: -0.02em;
}

h1 {
  font-weight: 800;
}

.section-title {
  font-weight: 800;
}

.section-subtitle {
  font-size: 1.05rem;
  line-height: 1.8;
}

.hero .hero-highlight {
  background: linear-gradient(90deg, #6ee7a0 0%, #22c55e 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

@supports not (-webkit-background-clip: text) {
  .hero .hero-highlight {
    background: none;
    color: #6ee7a0;
  }
}

/* ---------- Modern buttons ---------- */
.btn {
  transition: transform 0.35s var(--ease-premium), box-shadow 0.35s var(--ease-premium),
    background-color 0.35s ease, color 0.35s ease, border-color 0.35s ease;
}

.btn-primary {
  background-image: var(--gradient-brand);
  border-color: transparent;
  box-shadow: 0 4px 14px rgba(13, 79, 158, 0.28);
}

.btn-primary:hover,
.btn-primary:focus {
  background-image: linear-gradient(135deg, #093a75 0%, #0d4f9e 100%);
  border-color: transparent;
  box-shadow: 0 10px 26px rgba(13, 79, 158, 0.38);
  transform: translateY(-3px);
}

.btn-success {
  background-image: var(--gradient-green);
  border-color: transparent;
  box-shadow: 0 4px 14px rgba(22, 163, 74, 0.32);
}

.btn-success:hover,
.btn-success:focus {
  background-image: linear-gradient(135deg, #0f7a38 0%, #16a34a 100%);
  border-color: transparent;
  box-shadow: 0 10px 26px rgba(22, 163, 74, 0.42);
  transform: translateY(-3px);
}

.btn-light {
  box-shadow: 0 4px 14px rgba(4, 20, 45, 0.18);
}

.btn-light:hover,
.btn-light:focus {
  box-shadow: 0 10px 26px rgba(4, 20, 45, 0.26);
  transform: translateY(-3px);
}

.btn:active {
  transform: translateY(-1px) scale(0.98);
}

/* ---------- Glassmorphism: navbar, hero badge & hero stat cards ---------- */
.site-navbar {
  background-color: rgba(255, 255, 255, 0.9);
  -webkit-backdrop-filter: blur(14px) saturate(160%);
  backdrop-filter: blur(14px) saturate(160%);
}

.hero .hero-badge {
  -webkit-backdrop-filter: blur(10px);
  backdrop-filter: blur(10px);
  background-color: rgba(255, 255, 255, 0.10);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.18);
}

.hero .stat-card {
  background: rgba(255, 255, 255, 0.10);
  -webkit-backdrop-filter: blur(16px) saturate(150%);
  backdrop-filter: blur(16px) saturate(150%);
  border: 1px solid rgba(255, 255, 255, 0.18);
  box-shadow: 0 8px 32px rgba(4, 20, 45, 0.28), inset 0 1px 0 rgba(255, 255, 255, 0.15);
}

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

.hero .stat-card .stat-label {
  color: rgba(255, 255, 255, 0.78);
}

.hero .stat-card .icon-badge {
  background-color: rgba(110, 231, 160, 0.16);
  color: #6ee7a0;
}

.hero .stat-card:hover {
  background: rgba(255, 255, 255, 0.16);
  transform: translateY(-6px);
  box-shadow: 0 16px 44px rgba(4, 20, 45, 0.36), inset 0 1px 0 rgba(255, 255, 255, 0.2);
}

/* ---------- Better gradients: hero, sections, CTA, footer ---------- */
.hero {
  background:
    radial-gradient(1100px 520px at 85% -10%, rgba(34, 197, 94, 0.22), transparent 62%),
    radial-gradient(900px 480px at -10% 110%, rgba(255, 255, 255, 0.08), transparent 60%),
    linear-gradient(135deg, #072b56 0%, #0d4f9e 55%, #1465c4 100%);
}

.bg-surface {
  background:
    radial-gradient(820px 420px at 92% 0%, rgba(13, 79, 158, 0.05), transparent 62%),
    radial-gradient(700px 400px at 0% 100%, rgba(22, 163, 74, 0.05), transparent 60%),
    #f8fafc;
}

.bg-light-blue {
  background: linear-gradient(180deg, #e8f1fb 0%, #f3f8fd 100%);
}

.cta-band {
  background:
    radial-gradient(520px 320px at 90% -20%, rgba(255, 255, 255, 0.18), transparent 62%),
    linear-gradient(135deg, #0f7a38 0%, #16a34a 55%, #22c55e 100%);
  box-shadow: 0 24px 48px rgba(22, 163, 74, 0.22);
}

.site-footer {
  position: relative;
  background: linear-gradient(180deg, #0d2b52 0%, #0b2545 40%);
}

.site-footer::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-green));
}

/* ---------- Better cards: premium shadows, hover lift, top accent ---------- */
.feature-card,
.service-card,
.testimonial-card {
  position: relative;
  border-radius: 1rem;
  box-shadow: var(--shadow-premium);
  transition: transform 0.45s var(--ease-premium), box-shadow 0.45s var(--ease-premium),
    border-color 0.45s ease;
}

.feature-card::before,
.service-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 1.5rem;
  right: 1.5rem;
  height: 3px;
  border-radius: 0 0 3px 3px;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-green));
  opacity: 0;
  transform: scaleX(0.6);
  transform-origin: left;
  transition: opacity 0.4s ease, transform 0.4s var(--ease-premium);
}

.feature-card:hover::before,
.service-card:hover::before {
  opacity: 1;
  transform: scaleX(1);
}

.feature-card:hover,
.service-card:hover {
  transform: translateY(-10px);
  box-shadow: var(--shadow-premium-lg);
  border-color: rgba(13, 79, 158, 0.12);
}

.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-premium-lg);
}

.testimonial-card .author-avatar {
  background-image: var(--gradient-brand);
  color: var(--brand-white);
}

/* ---------- Animated icons ---------- */
.card-icon,
.icon-badge,
.step-number {
  transition: transform 0.4s var(--ease-premium), box-shadow 0.4s var(--ease-premium),
    background-color 0.4s ease, color 0.4s ease;
}

.feature-card:hover .card-icon,
.service-card:hover .card-icon {
  transform: translateY(-4px) scale(1.06) rotate(-4deg);
  box-shadow: 0 10px 22px rgba(13, 79, 158, 0.28);
}

.contact-info-box:hover .icon-badge {
  transform: translateY(-3px) scale(1.06);
}

/* ---------- Process timeline polish ---------- */
.step-card {
  transition: transform 0.45s var(--ease-premium), box-shadow 0.45s var(--ease-premium),
    background-color 0.45s ease;
}

.step-card:hover {
  background: var(--brand-white);
  transform: translateY(-8px);
  box-shadow: var(--shadow-premium-lg);
}

.step-number {
  box-shadow: 0 8px 20px rgba(13, 79, 158, 0.3);
}

.step-card:hover .step-number {
  transform: scale(1.1) rotate(6deg);
  box-shadow: 0 12px 26px rgba(22, 163, 74, 0.35);
}

/* ---------- FAQ accordion polish ---------- */
.accordion {
  --bs-accordion-border-color: transparent;
}

.accordion-item {
  border: 1px solid var(--border-light);
  border-radius: 0.9rem !important;
  margin-bottom: 0.85rem;
  overflow: hidden;
  box-shadow: var(--shadow-premium);
  transition: box-shadow 0.35s var(--ease-premium), border-color 0.35s ease;
}

.accordion-item:hover {
  border-color: rgba(13, 79, 158, 0.18);
}

.accordion-button {
  font-weight: 600;
  color: var(--text-dark);
  padding: 1.1rem 1.4rem;
  transition: background-color 0.3s ease, color 0.3s ease;
}

.accordion-button:not(.collapsed) {
  background-color: var(--brand-blue-light);
  color: var(--brand-blue);
  box-shadow: none;
}

.accordion-button:focus {
  border-color: transparent;
  box-shadow: 0 0 0 0.25rem rgba(13, 79, 158, 0.12);
}

.accordion-body {
  padding: 1.15rem 1.4rem 1.4rem;
}

/* ---------- Badges & pills ---------- */
.badge {
  font-weight: 600;
  letter-spacing: 0.04em;
}

/* ---------- Elegant transitions: scroll reveal & float ---------- */
.reveal {
  transform: translateY(40px) scale(0.985);
  transition: opacity 0.8s var(--ease-premium), transform 0.8s var(--ease-premium);
}

.reveal.revealed {
  transform: translateY(0) scale(1);
}

.animate-float {
  animation-duration: 6s;
}

/* ---------- Back-to-top & scrollbar ---------- */
.back-to-top {
  background-image: var(--gradient-green);
  box-shadow: 0 10px 24px rgba(22, 163, 74, 0.35);
}

.back-to-top:hover {
  transform: translateY(-3px) scale(1.05);
}

::-webkit-scrollbar {
  width: 10px;
}

::-webkit-scrollbar-track {
  background: var(--surface-light);
}

::-webkit-scrollbar-thumb {
  background: linear-gradient(180deg, var(--brand-blue), var(--brand-blue-dark));
  border-radius: 8px;
  border: 2px solid var(--surface-light);
}

::-webkit-scrollbar-thumb:hover {
  background: var(--brand-blue-dark);
}

/* ---------- Professional spacing refinements ---------- */
.section-padding {
  padding: 5.5rem 0;
}

@media (max-width: 991.98px) {
  .section-padding {
    padding: 4.25rem 0;
  }
}

@media (max-width: 767.98px) {
  .section-padding {
    padding: 3.5rem 0;
  }
}

/* ---------- Reduced-motion guard for the polish layer ---------- */
@media (prefers-reduced-motion: reduce) {
  .reveal {
    opacity: 1;
    transform: none;
  }

  .btn:hover,
  .btn:active,
  .feature-card:hover,
  .service-card:hover,
  .testimonial-card:hover,
  .step-card:hover,
  .hero .stat-card:hover,
  .back-to-top:hover {
    transform: none;
  }
}

/* ==========================================================================
   14. Premium Media & Conversion Layer
   Hero background media, trust bar, stats band, micro-interactions and
   premium footer refinements. All animations are GPU-accelerated
   (transform/opacity only) and respect prefers-reduced-motion.
   ========================================================================== */

/* ---------- Hero background image with cinematic overlay ---------- */
.hero .container {
  z-index: 1;
}

.hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
  pointer-events: none;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.06);
  animation: heroSlowZoom 28s ease-in-out infinite alternate;
  will-change: transform;
}

.hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(900px 480px at 85% -10%, rgba(34, 197, 94, 0.18), transparent 62%),
    linear-gradient(115deg, rgba(6, 28, 56, 0.97) 0%, rgba(9, 58, 117, 0.92) 45%, rgba(13, 79, 158, 0.78) 100%);
}

@keyframes heroSlowZoom {
  from { transform: scale(1.06); }
  to { transform: scale(1.14); }
}

/* ---------- Trust bar ---------- */
.trust-bar {
  background-color: var(--brand-white);
  border-bottom: 1px solid var(--border-light);
}

.trust-bar li {
  color: var(--text-muted);
  letter-spacing: 0.01em;
}

.trust-bar li i {
  font-size: 1.05rem;
}

/* ---------- Impact statistics band (dark, glass tiles) ---------- */
.stats-band {
  position: relative;
  background:
    radial-gradient(1000px 500px at 90% -10%, rgba(34, 197, 94, 0.16), transparent 60%),
    radial-gradient(800px 460px at -5% 110%, rgba(20, 101, 196, 0.25), transparent 60%),
    linear-gradient(135deg, #061c38 0%, #093a75 60%, #0d4f9e 100%);
  color: rgba(255, 255, 255, 0.85);
}

.stats-band .section-title {
  color: var(--brand-white);
}

.stats-band .section-subtitle {
  color: rgba(255, 255, 255, 0.7);
}

.stats-band .stat-card {
  background: rgba(255, 255, 255, 0.08);
  -webkit-backdrop-filter: blur(14px) saturate(150%);
  backdrop-filter: blur(14px) saturate(150%);
  border: 1px solid rgba(255, 255, 255, 0.16);
  box-shadow: 0 8px 32px rgba(3, 14, 30, 0.3), inset 0 1px 0 rgba(255, 255, 255, 0.14);
}

.stats-band .stat-card .stat-number {
  color: var(--brand-white);
}

.stats-band .stat-card .stat-label {
  color: rgba(255, 255, 255, 0.72);
}

.stats-band .stat-card:hover {
  background: rgba(255, 255, 255, 0.14);
  transform: translateY(-6px);
  box-shadow: 0 16px 44px rgba(3, 14, 30, 0.4), inset 0 1px 0 rgba(255, 255, 255, 0.2);
}

/* ---------- Image zoom on hover (utility for content imagery) ---------- */
.img-zoom {
  overflow: hidden;
  border-radius: var(--radius-md);
}

.img-zoom img {
  transition: transform 0.6s var(--ease-premium);
  will-change: transform;
}

.img-zoom:hover img {
  transform: scale(1.06);
}

/* ---------- Micro-interactions ---------- */
.btn .bi {
  display: inline-block;
  transition: transform 0.3s var(--ease-premium);
}

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

.btn:hover .bi-lightning-charge-fill {
  transform: scale(1.15);
}

.card-link .bi {
  display: inline-block;
}

.accordion-button .bi {
  transition: transform 0.3s var(--ease-premium);
}

.accordion-button:not(.collapsed) .bi-question-circle {
  transform: scale(1.12);
}

/* ---------- Premium footer refinements ---------- */
.site-footer {
  padding-top: 5rem;
}

.site-footer h5 {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.92);
}

.site-footer .footer-bottom {
  margin-top: 3.5rem;
}

.site-footer ul li {
  margin-bottom: 0.75rem;
}

.site-footer .footer-social a {
  transition: transform 0.3s var(--ease-premium), background-color 0.3s ease, color 0.3s ease;
}

/* ---------- Responsive & reduced-motion guards ---------- */
@media (max-width: 767.98px) {
  .trust-bar ul {
    row-gap: 0.5rem;
  }

  .site-footer {
    padding-top: 3.5rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .hero-media img {
    animation: none;
    transform: none;
  }

  .img-zoom:hover img,
  .btn:hover .bi,
  .stats-band .stat-card:hover {
    transform: none;
  }
}

/* ==========================================================================
   15. Premium Redesign Components
   Unique layouts for the redesigned homepage: hero video + quick-apply form,
   loan spotlight & tiles, split sections, timeline, eligibility panel,
   EMI comparison, curved dividers, partner strip, sticky FAQ, blog cards
   and the final CTA. GPU-accelerated animations only.
   ========================================================================== */

/* ---------- Hero: video layer + quick-apply form + floating chips ---------- */
.hero-video,
.hero-media-fallback {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-media-fallback {
  z-index: -1;
}

.hero-form-wrap {
  position: relative;
  max-width: 420px;
  margin-left: auto;
}

.hero-form-card {
  background: rgba(255, 255, 255, 0.96);
  -webkit-backdrop-filter: blur(10px);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: 0 24px 64px rgba(3, 14, 30, 0.4);
  text-align: left;
}

.hero-form-card h2 {
  color: var(--text-dark);
}

.hero-chip {
  position: absolute;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.55rem 1.1rem;
  border-radius: 50rem;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--brand-white);
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  box-shadow: 0 8px 24px rgba(3, 14, 30, 0.35);
  white-space: nowrap;
}

.hero-chip i {
  color: #6ee7a0;
}

.hero-chip-top {
  top: -1.25rem;
  left: -1.5rem;
}

.hero-chip-bottom {
  bottom: -1.25rem;
  right: -1rem;
  animation-delay: 2.5s;
}

/* ---------- Light variant of the check list (dark backgrounds) ---------- */
.list-check-light li {
  color: rgba(255, 255, 255, 0.88);
}

.list-check-light li::before {
  color: #6ee7a0;
}

/* ---------- Loan categories: spotlight + tiles ---------- */
.loan-spotlight {
  display: flex;
  flex-direction: column;
  background:
    radial-gradient(420px 260px at 90% -10%, rgba(34, 197, 94, 0.25), transparent 60%),
    linear-gradient(150deg, #093a75 0%, #0d4f9e 60%, #1465c4 100%);
  color: rgba(255, 255, 255, 0.88);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: 0 24px 56px rgba(13, 79, 158, 0.3);
}

.loan-spotlight h3 {
  color: var(--brand-white);
}

.loan-spotlight .card-icon {
  background-color: var(--brand-white);
  color: var(--brand-blue);
}

.loan-tile {
  display: flex;
  align-items: center;
  gap: 1rem;
  background-color: var(--brand-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 1.4rem 1.5rem;
  box-shadow: var(--shadow-premium);
  color: var(--text-body);
  transition: transform 0.4s var(--ease-premium), box-shadow 0.4s var(--ease-premium),
    border-color 0.4s ease;
}

.loan-tile:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-premium-lg);
  border-color: rgba(13, 79, 158, 0.18);
  color: var(--text-body);
}

.loan-tile .card-icon {
  width: 52px;
  height: 52px;
  font-size: 1.35rem;
  margin-bottom: 0;
  flex-shrink: 0;
}

.loan-tile .h6 {
  color: var(--text-dark);
}

.loan-tile-arrow {
  margin-left: auto;
  color: var(--brand-blue);
  font-size: 1.1rem;
  transition: transform 0.3s var(--ease-premium);
}

.loan-tile:hover .loan-tile-arrow {
  transform: translate(3px, -3px);
}

.loan-tile-cta {
  background: linear-gradient(135deg, var(--brand-green-dark), var(--brand-green));
  border-color: transparent;
}

.loan-tile-cta:hover {
  border-color: transparent;
}

/* ---------- Why Choose Us: split image + numbered list ---------- */
.split-img-wrap {
  position: relative;
  padding-bottom: 2.5rem;
  padding-right: 1.5rem;
}

.split-img-wrap img {
  aspect-ratio: 4 / 3;
  object-fit: cover;
}

.overlap-chip {
  position: absolute;
  right: 0;
  bottom: 0;
  background: rgba(255, 255, 255, 0.9);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
}

.overlap-chip .stat-number {
  color: var(--brand-green);
  font-size: 1.9rem;
  font-weight: 800;
}

.why-list li {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  padding: 1rem 0;
  border-bottom: 1px solid var(--border-light);
}

.why-list li:last-child {
  border-bottom: none;
}

.why-num {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--brand-blue);
  background-color: var(--brand-blue-light);
  transition: transform 0.35s var(--ease-premium), background-color 0.35s ease, color 0.35s ease;
}

.why-list li:hover .why-num {
  background-image: var(--gradient-brand);
  color: var(--brand-white);
  transform: scale(1.08);
}

/* ---------- Loan process: vertical timeline ---------- */
.timeline {
  position: relative;
  max-width: 760px;
  margin: 0 auto;
  padding: 1rem 0;
}

.timeline::before {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  width: 3px;
  transform: translateX(-50%);
  border-radius: 2px;
  background: linear-gradient(180deg, var(--brand-blue), var(--brand-green));
}

.timeline-item {
  position: relative;
  width: 50%;
  padding: 1rem 3rem 1.5rem 0;
}

.timeline-item:nth-child(even) {
  margin-left: 50%;
  padding: 1rem 0 1.5rem 3rem;
}

.timeline-dot {
  position: absolute;
  top: 1.25rem;
  right: -26px;
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  font-size: 1.2rem;
  color: var(--brand-white);
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-green));
  box-shadow: 0 8px 20px rgba(13, 79, 158, 0.3), 0 0 0 6px var(--brand-white);
  z-index: 1;
}

.timeline-item:nth-child(even) .timeline-dot {
  right: auto;
  left: -26px;
}

.timeline-card {
  background-color: var(--brand-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 1.5rem 1.75rem;
  box-shadow: var(--shadow-premium);
  transition: transform 0.4s var(--ease-premium), box-shadow 0.4s var(--ease-premium);
}

.timeline-item:hover .timeline-card {
  transform: translateY(-5px);
  box-shadow: var(--shadow-premium-lg);
}

/* ---------- Eligibility panel ---------- */
.eligibility-panel {
  background:
    radial-gradient(600px 320px at 95% -15%, rgba(34, 197, 94, 0.18), transparent 60%),
    linear-gradient(135deg, #061c38 0%, #093a75 65%, #0d4f9e 100%);
  color: rgba(255, 255, 255, 0.85);
  border-radius: var(--radius-lg);
  padding: 3rem;
  box-shadow: 0 24px 56px rgba(6, 28, 56, 0.35);
}

.doc-chip {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 1rem;
  border-radius: 50rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--brand-white);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  -webkit-backdrop-filter: blur(8px);
  backdrop-filter: blur(8px);
}

.doc-chip i {
  color: #6ee7a0;
}

.eligibility-cta-card {
  background-color: var(--brand-white);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  box-shadow: 0 16px 40px rgba(3, 14, 30, 0.3);
}

/* ---------- Benefits: minimal icon grid ---------- */
.benefit-item {
  height: 100%;
  padding: 1.75rem;
  border-radius: var(--radius-md);
  transition: background-color 0.35s ease, transform 0.4s var(--ease-premium),
    box-shadow 0.4s var(--ease-premium);
}

.benefit-item:hover {
  background-color: var(--brand-white);
  transform: translateY(-5px);
  box-shadow: var(--shadow-premium);
}

.benefit-item:hover .icon-badge {
  transform: translateY(-3px) scale(1.08);
}

/* ---------- EMI comparison tiles ---------- */
.emi-tile {
  background-color: var(--brand-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  box-shadow: var(--shadow-premium);
  transition: transform 0.4s var(--ease-premium), box-shadow 0.4s var(--ease-premium);
}

.emi-tile:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-premium-lg);
}

.emi-amount {
  font-size: 2rem;
  font-weight: 800;
  color: var(--text-dark);
  letter-spacing: -0.02em;
}

.emi-per {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-left: 0.2rem;
}

.emi-tile-featured {
  background:
    radial-gradient(300px 200px at 90% -10%, rgba(34, 197, 94, 0.3), transparent 60%),
    linear-gradient(150deg, #093a75 0%, #0d4f9e 70%, #1465c4 100%);
  border-color: transparent;
  color: rgba(255, 255, 255, 0.85);
  box-shadow: 0 20px 48px rgba(13, 79, 158, 0.35);
}

.emi-tile-featured .emi-amount {
  color: var(--brand-white);
}

.emi-tile-featured .emi-per {
  color: rgba(255, 255, 255, 0.7);
}

.emi-tile-featured strong {
  color: var(--brand-white);
}

/* ---------- Curved section dividers ---------- */
.curve-divider {
  line-height: 0;
}

.curve-divider svg {
  display: block;
  width: 100%;
  height: 64px;
}

.stats-band > .container.section-padding {
  padding-top: 4rem;
  padding-bottom: 4rem;
}

/* ---------- Testimonials: featured card ---------- */
.testimonial-featured {
  position: relative;
  display: flex;
  flex-direction: column;
  background-color: var(--brand-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 2.5rem 2.5rem 2.5rem 2.75rem;
  box-shadow: var(--shadow-premium-lg);
  overflow: hidden;
}

.testimonial-featured::before {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  left: 0;
  width: 5px;
  background: linear-gradient(180deg, var(--brand-blue), var(--brand-green));
}

.testimonial-featured .testimonial-quote-mark {
  position: absolute;
  top: 0.5rem;
  right: 1.5rem;
  font-size: 6rem;
  line-height: 1;
  color: var(--brand-blue-light);
  pointer-events: none;
}

.testimonial-featured .stars {
  color: #f59e0b;
  margin-bottom: 0.75rem;
}

.testimonial-featured .testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-top: 1.25rem;
}

/* ---------- Partner strip ---------- */
.partner-strip {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
}

.partner-chip {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.85rem 1.5rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  background-color: var(--brand-white);
  color: var(--text-muted);
  font-weight: 700;
  letter-spacing: 0.02em;
  filter: grayscale(1);
  opacity: 0.75;
  transition: filter 0.35s ease, opacity 0.35s ease, transform 0.35s var(--ease-premium),
    box-shadow 0.35s var(--ease-premium);
}

.partner-chip:hover {
  filter: grayscale(0);
  opacity: 1;
  transform: translateY(-4px);
  box-shadow: var(--shadow-premium);
  color: var(--brand-blue);
}

.partner-chip i {
  font-size: 1.25rem;
  color: var(--brand-blue);
}

/* ---------- FAQ: sticky side column ---------- */
@media (min-width: 992px) {
  .faq-side {
    position: sticky;
    top: 110px;
  }
}

/* ---------- Blog cards ---------- */
.blog-card {
  display: flex;
  flex-direction: column;
  background-color: var(--brand-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-premium);
  transition: transform 0.4s var(--ease-premium), box-shadow 0.4s var(--ease-premium);
}

.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-premium-lg);
}

.blog-card .img-zoom {
  border-radius: 0;
}

.blog-card img {
  aspect-ratio: 16 / 9;
  object-fit: cover;
}

.blog-card-body {
  padding: 1.5rem;
}

.blog-card-body h3 a {
  color: var(--text-dark);
}

.blog-card-body h3 a:hover {
  color: var(--brand-blue);
}

/* ---------- Final CTA ---------- */
.cta-final {
  background:
    radial-gradient(900px 480px at 85% -10%, rgba(34, 197, 94, 0.2), transparent 60%),
    radial-gradient(700px 420px at 0% 110%, rgba(20, 101, 196, 0.28), transparent 60%),
    linear-gradient(135deg, #061c38 0%, #093a75 60%, #0d4f9e 100%);
  color: rgba(255, 255, 255, 0.85);
}

.cta-final h2 {
  font-size: clamp(1.8rem, 3vw + 0.8rem, 2.75rem);
}

.cta-final-lead {
  max-width: 620px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 1.1rem;
  margin-bottom: 2rem;
}

.cta-final-points li {
  color: rgba(255, 255, 255, 0.75);
}

.cta-final-points i {
  color: #6ee7a0;
}

/* ---------- Responsive adjustments ---------- */
@media (max-width: 991.98px) {
  .hero-form-wrap {
    margin: 0 auto;
  }

  .hero-chip-top {
    left: 0;
  }

  .hero-chip-bottom {
    right: 0;
  }

  .eligibility-panel {
    padding: 2rem;
  }

  .timeline::before {
    left: 26px;
  }

  .timeline-item,
  .timeline-item:nth-child(even) {
    width: 100%;
    margin-left: 0;
    padding: 0.75rem 0 1.25rem 4.5rem;
  }

  .timeline-dot,
  .timeline-item:nth-child(even) .timeline-dot {
    left: 0;
    right: auto;
  }
}

@media (max-width: 575.98px) {
  .hero-form-card {
    padding: 1.5rem;
  }

  .loan-spotlight {
    padding: 1.75rem;
  }

  .eligibility-panel {
    padding: 1.5rem;
  }

  .testimonial-featured {
    padding: 1.75rem;
  }

  .curve-divider svg {
    height: 40px;
  }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  .hero-video {
    display: none;
  }

  .loan-tile:hover,
  .timeline-item:hover .timeline-card,
  .benefit-item:hover,
  .emi-tile:hover,
  .blog-card:hover,
  .partner-chip:hover,
  .why-list li:hover .why-num {
    transform: none;
  }
}

/* ==========================================================================
   16. Navbar Refinement Layer
   Premium fintech navigation: compact height, aspect-correct logo,
   glass background, scroll shadow, animated underlines and gradient CTA.
   Overrides earlier navbar rules by cascade order — navbar only.
   ========================================================================== */

/* ---------- Bar: compact height, glass surface, scroll states ---------- */
.site-navbar {
  padding-top: 0.45rem;
  padding-bottom: 0.45rem;
  background-color: rgba(255, 255, 255, 0.88);
  -webkit-backdrop-filter: blur(16px) saturate(170%);
  backdrop-filter: blur(16px) saturate(170%);
  border-bottom: 1px solid rgba(226, 232, 240, 0.7);
  box-shadow: none;
  transition: padding 0.35s var(--ease-premium), box-shadow 0.35s var(--ease-premium),
    background-color 0.35s ease;
}

.site-navbar.navbar-scrolled {
  padding-top: 0.3rem;
  padding-bottom: 0.3rem;
  background-color: rgba(255, 255, 255, 0.78);
  box-shadow: 0 8px 30px rgba(11, 37, 69, 0.1);
}

/* ---------- Logo: larger, aspect-correct, sharp, aligned ---------- */
.navbar-brand {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  padding-top: 0;
  padding-bottom: 0;
  margin-right: 1.5rem;
}

.navbar-brand .logo {
  height: 60px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
  transition: height 0.35s var(--ease-premium);
}

.site-navbar.navbar-scrolled .navbar-brand .logo {
  height: 48px;
}

/* ---------- Links: refined typography, hover + animated underline ---------- */
.site-navbar .nav-link {
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.015em;
  color: var(--text-dark);
  padding: 0.55rem 0.9rem;
  margin: 0 0.15rem;
  transition: color 0.3s ease, transform 0.3s var(--ease-premium);
}

.site-navbar .nav-link:hover {
  transform: translateY(-1px);
}

.site-navbar .nav-link::after {
  left: 0.9rem;
  right: 0.9rem;
  bottom: 0.28rem;
  height: 2.5px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-green));
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 0.35s var(--ease-premium);
}

.site-navbar .nav-link:hover::after,
.site-navbar .nav-link:focus-visible::after,
.site-navbar .nav-link.active::after {
  transform: scaleX(1);
}

/* ---------- CTA: prominent gradient pill ---------- */
.site-navbar .navbar-cta {
  margin-left: 1rem;
  padding: 0.55rem 1.5rem;
  font-size: 0.95rem;
  background-image: var(--gradient-green);
  border-color: transparent;
  box-shadow: 0 6px 16px rgba(22, 163, 74, 0.32);
  transition: transform 0.3s var(--ease-premium), box-shadow 0.3s var(--ease-premium),
    background-color 0.3s ease;
}

.site-navbar .navbar-cta:hover,
.site-navbar .navbar-cta:focus {
  background-image: linear-gradient(135deg, #0f7a38 0%, #16a34a 100%);
  transform: translateY(-2px) scale(1.03);
  box-shadow: 0 12px 26px rgba(22, 163, 74, 0.42);
}

/* ---------- Toggler ---------- */
.site-navbar .navbar-toggler {
  border-radius: 0.6rem;
  padding: 0.35rem 0.6rem;
  transition: background-color 0.3s ease;
}

.site-navbar .navbar-toggler:hover {
  background-color: var(--brand-blue-light);
}

/* ---------- Tablet & mobile ---------- */
@media (max-width: 991.98px) {
  .navbar-brand .logo {
    height: 48px;
  }

  .site-navbar.navbar-scrolled .navbar-brand .logo {
    height: 44px;
  }

  .site-navbar .navbar-collapse {
    background-color: rgba(255, 255, 255, 0.96);
    -webkit-backdrop-filter: blur(16px);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(226, 232, 240, 0.8);
    box-shadow: 0 16px 40px rgba(11, 37, 69, 0.12);
  }

  .site-navbar .nav-link {
    padding: 0.7rem 1rem;
    margin: 0.1rem 0;
    border-radius: 0.6rem;
  }

  .site-navbar .nav-link:hover,
  .site-navbar .nav-link.active {
    background-color: var(--brand-blue-light);
    transform: none;
  }

  .site-navbar .navbar-cta {
    display: block;
    text-align: center;
    width: 100%;
    margin: 0.75rem 0 0.25rem;
  }
}

@media (max-width: 575.98px) {
  .navbar-brand .logo {
    height: 42px;
  }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  .site-navbar .nav-link:hover,
  .site-navbar .navbar-cta:hover,
  .site-navbar .navbar-cta:focus {
    transform: none;
  }
}