/* =========================================
   NBFC Website - style.css
   Professional Finance Theme
   ========================================= */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@600;700&display=swap');

/* --- CSS Variables / Design Tokens --- */
:root {
  --primary: #1a3a6b;
  --primary-dark: #0f2347;
  --primary-light: #2855a0;
  --accent: #c9a84c;
  --accent-light: #e8c96d;
  --white: #ffffff;
  --grey-50: #f8f9fc;
  --grey-100: #eef1f7;
  --grey-200: #dce2ef;
  --grey-400: #9aa3bb;
  --grey-600: #5a6580;
  --grey-900: #1c2237;
  --success: #1e8449;
  --danger: #c0392b;
  --shadow-sm: 0 2px 8px rgba(26, 58, 107, 0.08);
  --shadow-md: 0 6px 24px rgba(26, 58, 107, 0.13);
  --shadow-lg: 0 16px 48px rgba(26, 58, 107, 0.18);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --transition: 0.3s ease;
  --font-main: 'Inter', sans-serif;
  --font-heading: 'Playfair Display', serif;
}

/* --- Reset & Base --- */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-main);
  color: var(--grey-900);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}

a {
  text-decoration: none;
  color: inherit;
}

ul {
  list-style: none;
}

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

/* --- Utility Classes --- */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-tag {
  display: inline-block;
  background: linear-gradient(135deg, rgba(201, 168, 76, 0.15), rgba(201, 168, 76, 0.05));
  color: var(--accent);
  border: 1px solid rgba(201, 168, 76, 0.3);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 14px;
}

.section-title {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--primary-dark);
  line-height: 1.25;
  margin-bottom: 16px;
}

.section-subtitle {
  color: var(--grey-600);
  font-size: 1.05rem;
  max-width: 560px;
}

.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.section-header .section-subtitle {
  margin: 0 auto;
}

.section-pad {
  padding: 96px 0;
}

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

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-main);
  font-size: 0.95rem;
  font-weight: 600;
  padding: 14px 30px;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  letter-spacing: 0.3px;
}

.btn-primary {
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--primary-dark);
  box-shadow: 0 4px 16px rgba(201, 168, 76, 0.35);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201, 168, 76, 0.45);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255, 255, 255, 0.7);
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn-blue {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
  box-shadow: 0 4px 16px rgba(26, 58, 107, 0.28);
}

.btn-blue:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(26, 58, 107, 0.38);
}

/* =========================================
   NAVBAR
   ========================================= */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--grey-100);
  transition: box-shadow var(--transition);
}

.navbar.scrolled {
  box-shadow: var(--shadow-md);
}

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

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  overflow: hidden;
}

.logo-icon img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.logo-name {
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--primary-dark);
  letter-spacing: -0.3px;
}

.logo-tagline {
  font-size: 0.65rem;
  color: var(--grey-400);
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--grey-600);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  position: relative;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--primary);
  background: var(--grey-50);
}

.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: 4px;
  left: 50%;
  transform: translateX(-50%);
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--accent);
}

.nav-cta {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white) !important;
  padding: 9px 20px !important;
  border-radius: 50px !important;
  box-shadow: 0 3px 12px rgba(26, 58, 107, 0.25);
}

.nav-cta:hover {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary)) !important;
  transform: translateY(-1px);
  box-shadow: 0 5px 16px rgba(26, 58, 107, 0.35) !important;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  border-radius: var(--radius-sm);
  transition: background var(--transition);
}

.hamburger:hover {
  background: var(--grey-100);
}

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

.hamburger.open span:nth-child(1) {
  transform: translateY(7.5px) rotate(45deg);
}

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

.hamburger.open span:nth-child(3) {
  transform: translateY(-7.5px) rotate(-45deg);
}

/* =========================================
   HERO SECTION
   ========================================= */
#home {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, #2d5fb5 100%);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: 72px;
}

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

.hero-shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.06;
  background: var(--white);
}

.hero-shape-1 {
  width: 600px;
  height: 600px;
  top: -200px;
  right: -150px;
}

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

.hero-shape-3 {
  width: 200px;
  height: 200px;
  top: 40%;
  right: 25%;
  opacity: 0.04;
}

.hero-grid-overlay {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
  background-size: 48px 48px;
}

.hero-content {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  padding: 80px 0;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201, 168, 76, 0.15);
  border: 1px solid rgba(201, 168, 76, 0.35);
  color: var(--accent-light);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  padding: 7px 16px;
  border-radius: 50px;
  margin-bottom: 24px;
  animation: fadeInUp 0.6s ease forwards;
}

.hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 24px;
  animation: fadeInUp 0.7s ease forwards 0.1s;
  opacity: 0;
}

.hero-title .highlight {
  color: var(--accent-light);
  position: relative;
}

.hero-desc {
  color: rgba(255, 255, 255, 0.75);
  font-size: 1.1rem;
  line-height: 1.8;
  margin-bottom: 40px;
  animation: fadeInUp 0.7s ease forwards 0.2s;
  opacity: 0;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 48px;
  animation: fadeInUp 0.7s ease forwards 0.3s;
  opacity: 0;
}

.hero-stats {
  display: flex;
  gap: 32px;
  animation: fadeInUp 0.7s ease forwards 0.4s;
  opacity: 0;
}

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

.stat-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1;
  margin-bottom: 4px;
}

.stat-label {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.6);
  letter-spacing: 0.5px;
}

.stat-divider {
  width: 1px;
  background: rgba(255, 255, 255, 0.15);
  align-self: stretch;
}

/* Hero visual card */
.hero-visual {
  animation: fadeInRight 0.8s ease forwards 0.2s;
  opacity: 0;
}

.hero-card-stack {
  position: relative;
  width: 100%;
  max-width: 420px;
  margin: 0 auto;
}

.hero-main-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.25);
}

.hmc-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
}

.hmc-chip {
  background: rgba(201, 168, 76, 0.2);
  color: var(--accent-light);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 1px;
  padding: 5px 12px;
  border-radius: 50px;
  border: 1px solid rgba(201, 168, 76, 0.3);
}

.hmc-icon {
  width: 36px;
  height: 36px;
  background: rgba(201, 168, 76, 0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-light);
}

.hmc-amount {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 4px;
  letter-spacing: -1px;
}

.hmc-label {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.82rem;
  margin-bottom: 24px;
}

.hmc-progress-wrap {
  margin-bottom: 8px;
}

.hmc-progress-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 6px;
}

.hmc-bar {
  height: 6px;
  background: rgba(255, 255, 255, 0.12);
  border-radius: 3px;
  overflow: hidden;
}

.hmc-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--accent), var(--accent-light));
  border-radius: 3px;
  width: 68%;
  animation: progressFill 2s ease forwards 1s;
}

.hmc-items {
  margin-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.hmc-item {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
}

.hmc-item-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}

.hmc-item-text {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.85rem;
  flex: 1;
}

.hmc-item-val {
  color: var(--accent-light);
  font-size: 0.85rem;
  font-weight: 600;
}

.hero-float-badge {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 12px 16px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.82rem;
}

.hero-float-badge.badge-1 {
  bottom: -20px;
  left: -24px;
}

.hero-float-badge.badge-2 {
  top: -20px;
  right: -20px;
}

.fb-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
}

.fb-icon.green {
  background: #e8f8f0;
  color: #1e8449;
}

.fb-icon.blue {
  background: #e8f0fc;
  color: var(--primary);
}

.fb-text strong {
  display: block;
  line-height: 1.2;
  color: var(--grey-900);
  font-weight: 700;
}

.fb-text span {
  color: var(--grey-400);
  font-size: 0.72rem;
}

/* =========================================
   SERVICES PREVIEW
   ========================================= */
#services-preview {
  background: var(--grey-50);
  padding: 96px 0;
  position: relative;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  justify-content: center;
  gap: 28px;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  border: 1px solid var(--grey-100);
  box-shadow: var(--shadow-sm);
  transition: all 0.35s ease;
  position: relative;
  overflow: hidden;
  cursor: pointer;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
}

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

.sc-icon-wrap {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 22px;
}

.sc-icon-wrap.blue {
  background: linear-gradient(135deg, #e8f0fc, #dce8fb);
  color: var(--primary);
}

.sc-icon-wrap.gold {
  background: linear-gradient(135deg, #fdf6e3, #fbefc5);
  color: var(--accent);
}

.sc-icon-wrap.teal {
  background: linear-gradient(135deg, #e3f6f5, #c5ece9);
  color: #1a7a75;
}

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

.sc-desc {
  color: var(--grey-600);
  font-size: 0.9rem;
  line-height: 1.7;
  margin-bottom: 20px;
}

.sc-rate {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--success);
  font-weight: 700;
  font-size: 0.9rem;
  background: rgba(30, 132, 73, 0.08);
  padding: 5px 12px;
  border-radius: 50px;
}

.sc-arrow {
  position: absolute;
  bottom: 24px;
  right: 24px;
  width: 36px;
  height: 36px;
  background: var(--grey-100);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 0.8rem;
  transition: all var(--transition);
}

.service-card:hover .sc-arrow {
  background: var(--primary);
  color: var(--white);
  transform: rotate(-45deg);
}

/* =========================================
   ABOUT SECTION
   ========================================= */
#about {
  background: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.about-visual {
  position: relative;
}

.about-main-img {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary-light));
  border-radius: var(--radius-lg);
  padding: 48px 36px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.about-main-img::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.05);
}

.about-img-stat {
  font-size: 3.5rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1;
  margin-bottom: 6px;
}

.about-img-label {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 28px;
}

.about-img-items {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.aii {
  display: flex;
  align-items: center;
  gap: 12px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
}

.aii i {
  color: var(--accent-light);
  width: 18px;
}

.aii span {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.85);
}

.about-float-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 14px;
}

.about-float-card.card-1 {
  bottom: -24px;
  right: -24px;
}

.about-float-card.card-2 {
  top: -20px;
  left: -24px;
}

.afc-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}

.afc-icon.gold {
  background: linear-gradient(135deg, #fdf6e3, #fbefc5);
  color: var(--accent);
}

.afc-icon.green {
  background: linear-gradient(135deg, #e8f8f0, #c8f2dc);
  color: var(--success);
}

.afc-num {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary-dark);
  line-height: 1;
}

.afc-text {
  font-size: 0.75rem;
  color: var(--grey-400);
  margin-top: 2px;
}

/* About text */
.about-text .section-subtitle {
  max-width: 100%;
  margin-bottom: 32px;
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 36px;
}

.why-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 18px;
  border-radius: var(--radius-md);
  border: 1px solid var(--grey-100);
  transition: all var(--transition);
}

.why-item:hover {
  border-color: var(--grey-200);
  box-shadow: var(--shadow-sm);
}

.wi-ico {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  flex-shrink: 0;
}

.wi-ico.blue {
  background: linear-gradient(135deg, #e8f0fc, #dce8fb);
  color: var(--primary);
}

.wi-ico.gold {
  background: linear-gradient(135deg, #fdf6e3, #fbefc5);
  color: var(--accent);
}

.wi-ico.green {
  background: linear-gradient(135deg, #e8f8f0, #c8f2dc);
  color: var(--success);
}

.wi-ico.red {
  background: linear-gradient(135deg, #fde8e6, #fac8c5);
  color: #c0392b;
}

.wi-title {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--primary-dark);
  margin-bottom: 3px;
}

.wi-text {
  font-size: 0.8rem;
  color: var(--grey-600);
  line-height: 1.5;
}

.mv-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 16px;
}

.mv-tab {
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  border: 1.5px solid var(--grey-200);
  color: var(--grey-600);
  transition: all var(--transition);
  background: var(--white);
}

.mv-tab.active {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}

.mv-content {
  display: none;
  color: var(--grey-600);
  font-size: 0.92rem;
  line-height: 1.8;
}

.mv-content.active {
  display: block;
  animation: fadeIn 0.4s ease;
}

/* =========================================
   SERVICES FULL SECTION
   ========================================= */
#services {
  background: var(--grey-50);
}

.services-full-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  justify-content: center;
  gap: 28px;
}

.sf-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--grey-100);
  box-shadow: var(--shadow-sm);
  transition: all 0.35s ease;
  display: flex;
  flex-direction: column;
}

.sf-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
}

.sf-header {
  padding: 32px 28px 24px;
  position: relative;
  overflow: hidden;
}

.sf-header.blue {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
}

.sf-header.gold {
  background: linear-gradient(135deg, #7a5c1a, #c9a84c);
}

.sf-header.teal {
  background: linear-gradient(135deg, #0d4a47, #1a7a75);
}

.sf-header::after {
  content: '';
  position: absolute;
  bottom: -30px;
  right: -30px;
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
}

.sf-icon {
  font-size: 2rem;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 14px;
}

.sf-header-title {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  color: var(--white);
  margin-bottom: 6px;
}

.sf-rate-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 50px;
}

.sf-body {
  padding: 24px 28px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.sf-desc {
  color: var(--grey-600);
  font-size: 0.9rem;
  line-height: 1.7;
  margin-bottom: 20px;
}

.sf-features {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 24px;
  flex: 1;
}

.sf-feat {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 0.85rem;
  color: var(--grey-600);
}

.sf-feat i {
  color: var(--success);
  font-size: 0.75rem;
}

.sf-footer {
  padding: 0 28px 28px;
  display: flex;
  gap: 10px;
}

.sf-footer .btn {
  flex: 1;
  justify-content: center;
  font-size: 0.88rem;
  padding: 12px 16px;
}

/* =========================================
   EMI CALCULATOR
   ========================================= */
#emi-calculator {
  background: var(--white);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.calc-form-wrap {
  background: var(--grey-50);
  border-radius: var(--radius-lg);
  padding: 40px;
  border: 1px solid var(--grey-100);
}

.calc-field {
  margin-bottom: 28px;
}

.calc-field label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--primary-dark);
  margin-bottom: 12px;
}

.calc-field label .val-display {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: 50px;
  min-width: 90px;
  text-align: center;
}

input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--grey-200);
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(26, 58, 107, 0.3);
  border: 2px solid var(--white);
}

.calc-result-wrap {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  border-radius: var(--radius-lg);
  padding: 40px;
  color: var(--white);
  position: sticky;
  top: 96px;
}

.calc-result-wrap h3 {
  font-size: 1rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 8px;
  letter-spacing: 0.5px;
}

.emi-big {
  font-size: 3rem;
  font-weight: 800;
  color: var(--accent-light);
  letter-spacing: -1px;
  line-height: 1;
  margin-bottom: 6px;
}

.emi-sub {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 32px;
}

.emi-breakdown {
  display: flex;
  flex-direction: column;
  gap: 14px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 28px;
  margin-bottom: 28px;
}

.eb-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.eb-label {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.65);
}

.eb-val {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--white);
}

.eb-val.accent {
  color: var(--accent-light);
}

.emi-chart {
  margin-bottom: 28px;
}

.emi-donut-wrap {
  display: flex;
  align-items: center;
  gap: 24px;
}

.emi-donut {
  width: 120px;
  height: 120px;
  position: relative;
  flex-shrink: 0;
}

.emi-donut svg {
  width: 100%;
  height: 100%;
}

.emi-legend {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.emi-leg-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.75);
}

.leg-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* =========================================
   LOAN APPLICATION FORM
   ========================================= */
#apply {
  background: var(--grey-50);
}

.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 56px;
  align-items: start;
}

.apply-info {}

.steps-list {
  margin-top: 32px;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.step-item {
  display: flex;
  gap: 18px;
  position: relative;
}

.step-item:not(:last-child)::after {
  content: '';
  position: absolute;
  left: 18px;
  top: 44px;
  width: 2px;
  height: calc(100% - 10px);
  background: var(--grey-200);
}

.step-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 700;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(26, 58, 107, 0.25);
}

.step-body {
  padding-bottom: 32px;
}

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

.step-text {
  font-size: 0.85rem;
  color: var(--grey-600);
  line-height: 1.6;
}

/* Apply form */
.apply-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  border: 1px solid var(--grey-100);
  box-shadow: var(--shadow-md);
}

.form-title-row {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--grey-100);
}

.form-title-row .ftri {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: var(--accent-light);
}

.form-title-row h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--primary-dark);
}

.form-title-row p {
  font-size: 0.82rem;
  color: var(--grey-400);
}

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

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--grey-600);
  margin-bottom: 7px;
  letter-spacing: 0.3px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--grey-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-main);
  font-size: 0.92rem;
  color: var(--grey-900);
  background: var(--grey-50);
  transition: all var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(26, 58, 107, 0.08);
}

.form-group input.error,
.form-group select.error {
  border-color: var(--danger);
}

.error-msg {
  display: none;
  color: var(--danger);
  font-size: 0.75rem;
  margin-top: 5px;
}

.error-msg.show {
  display: block;
}

.success-msg {
  display: none;
  background: linear-gradient(135deg, #e8f8f0, #d0f0e0);
  border: 1.5px solid rgba(30, 132, 73, 0.25);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  text-align: center;
  margin-top: 20px;
}

.success-msg.show {
  display: block;
  animation: bounceIn 0.5s ease;
}

.success-msg i {
  font-size: 2rem;
  color: var(--success);
  margin-bottom: 10px;
}

.success-msg h4 {
  font-size: 1.05rem;
  color: var(--success);
  margin-bottom: 6px;
}

.success-msg p {
  font-size: 0.85rem;
  color: var(--grey-600);
}


/* =========================================
   TESTIMONIALS
   ========================================= */
#testimonials {
  background: var(--grey-50);
}

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

.testi-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  border: 1px solid var(--grey-100);
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: all 0.35s ease;
}

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

.testi-card::before {
  content: '\201C';
  position: absolute;
  top: 20px;
  right: 24px;
  font-size: 5rem;
  line-height: 1;
  color: var(--grey-100);
  font-family: Georgia, serif;
}

.stars {
  color: var(--accent);
  font-size: 0.85rem;
  margin-bottom: 14px;
  letter-spacing: 2px;
}

.testi-text {
  color: var(--grey-600);
  font-size: 0.9rem;
  line-height: 1.75;
  margin-bottom: 20px;
  font-style: italic;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.ta-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

.ta-name {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--primary-dark);
}

.ta-role {
  font-size: 0.75rem;
  color: var(--grey-400);
}

/* =========================================
   FAQ SECTION
   ========================================= */
#faq {
  background: var(--white);
}

.faq-wrap {
  max-width: 760px;
  margin: 0 auto;
}

.faq-item,
.accordion-item {
  border: 1.5px solid var(--grey-100);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: all var(--transition);
}

.faq-item.open,
.accordion-item.open {
  border-color: var(--grey-200);
  box-shadow: var(--shadow-sm);
}

.faq-q,
.accordion-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--primary-dark);
  gap: 16px;
  transition: background var(--transition);
  user-select: none;
}

.faq-q:hover,
.accordion-q:hover {
  background: var(--grey-50);
}

.faq-item.open .faq-q,
.accordion-item.open .accordion-q {
  background: var(--grey-50);
}

.faq-icon,
.accordion-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--grey-100);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  color: var(--primary);
  flex-shrink: 0;
  transition: all var(--transition);
}

.faq-item.open .faq-icon,
.accordion-item.open .accordion-icon {
  background: var(--primary);
  color: var(--white);
  transform: rotate(180deg);
}

.faq-a,
.accordion-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}

.faq-a-inner,
.accordion-a-inner {
  padding: 0 24px 20px;
  color: var(--grey-600);
  font-size: 0.9rem;
  line-height: 1.8;
  border-top: 1px solid var(--grey-100);
  padding-top: 16px;
}

.faq-item.open .faq-a,
.accordion-item.open .accordion-a {
  max-height: 800px;
}

/* =========================================
   POLICY DOWNLOADS
   ========================================= */
.policy-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 24px;
  margin-top: 40px;
}

.policy-card {
  background: var(--white);
  border: 1.5px solid var(--grey-100);
  border-radius: var(--radius-md);
  padding: 32px;
  display: flex;
  flex-direction: column;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.policy-card::after {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 0;
  height: 0;
  border-style: solid;
  border-width: 0 40px 40px 0;
  border-color: transparent var(--grey-50) transparent transparent;
  transition: all var(--transition);
}

.policy-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-md);
  border-color: var(--accent);
}

.policy-card:hover::after {
  border-color: transparent var(--accent) transparent transparent;
}

.pc-icon {
  font-size: 2.4rem;
  color: var(--danger);
  /* Standard PDF Red */
  margin-bottom: 22px;
  transition: transform var(--transition);
}

.policy-card:hover .pc-icon {
  transform: scale(1.1);
}

.pc-title {
  font-family: var(--font-main);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 12px;
  line-height: 1.4;
}

.pc-desc {
  font-size: 0.9rem;
  color: var(--grey-600);
  margin-bottom: 24px;
  flex-grow: 1;
}

.pc-download-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 12px 24px;
  background: var(--grey-50);
  color: var(--primary);
  border-radius: 50px;
  font-size: 0.9rem;
  font-weight: 700;
  transition: all var(--transition);
  border: 1.5px solid var(--grey-100);
}

.pc-download-btn:hover {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  box-shadow: 0 4px 12px rgba(26, 58, 107, 0.2);
}

/* =========================================
   CONTACT SECTION
   ========================================= */
#contact {
  background: var(--grey-50);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 56px;
  align-items: start;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.ci-header {
  margin-bottom: 8px;
}

.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--grey-100);
  transition: all var(--transition);
}

.contact-detail:hover {
  box-shadow: var(--shadow-sm);
  transform: translateX(4px);
}

.cd-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.cd-icon.blue {
  background: linear-gradient(135deg, #e8f0fc, #dce8fb);
  color: var(--primary);
}

.cd-icon.gold {
  background: linear-gradient(135deg, #fdf6e3, #fbefc5);
  color: var(--accent);
}

.cd-icon.green {
  background: linear-gradient(135deg, #e8f8f0, #c8f2dc);
  color: var(--success);
}

.cd-title {
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--primary-dark);
  margin-bottom: 3px;
}

.cd-val {
  font-size: 0.88rem;
  color: var(--grey-600);
  line-height: 1.6;
}

.map-wrap {
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--grey-200);
  margin-top: 8px;
}

.map-wrap iframe {
  width: 100%;
  height: 220px;
  display: block;
  border: none;
}

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  border: 1px solid var(--grey-100);
  box-shadow: var(--shadow-md);
}

/* =========================================
   FOOTER
   ========================================= */
footer {
  background: var(--grey-900);
  color: rgba(255, 255, 255, 0.75);
}

.footer-top {
  padding: 72px 0 48px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1.2fr;
  gap: 40px;
}

.footer-brand .logo-name {
  color: var(--white) !important;
}

.footer-brand .logo-tagline {
  color: rgba(255, 255, 255, 0.4) !important;
}

.footer-about {
  font-size: 0.88rem;
  line-height: 1.8;
  color: rgba(255, 255, 255, 0.55);
  margin: 16px 0 24px;
}

.social-links {
  display: flex;
  gap: 10px;
}

.social-link {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.07);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.6);
  transition: all var(--transition);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.social-link:hover {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
  transform: translateY(-2px);
}

.footer-col h4 {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 20px;
  position: relative;
  padding-bottom: 12px;
}

.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 28px;
  height: 2px;
  background: var(--accent);
  border-radius: 1px;
}

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

.footer-links a {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.55);
  transition: all var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}

.footer-links a:hover {
  color: var(--accent-light);
  transform: translateX(4px);
}

.footer-links a i {
  font-size: 0.7rem;
}

.footer-newsletter input {
  width: 100%;
  padding: 11px 16px;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-family: var(--font-main);
  font-size: 0.88rem;
  margin-bottom: 10px;
  outline: none;
  transition: all var(--transition);
}

.footer-newsletter input:focus {
  border-color: var(--accent);
  background: rgba(255, 255, 255, 0.1);
}

.footer-newsletter input::placeholder {
  color: rgba(255, 255, 255, 0.35);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.07);
  padding: 22px 0;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.copyright {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.4);
}

.copyright a {
  color: var(--accent);
}

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

.footer-bottom-links a {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.4);
  transition: color var(--transition);
}

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

/* =========================================
   SCROLL TO TOP
   ========================================= */
.scroll-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 46px;
  height: 46px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  transform: translateY(80px);
  opacity: 0;
  transition: all var(--transition);
  z-index: 900;
}

.scroll-top.show {
  transform: translateY(0);
  opacity: 1;
}

.scroll-top:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

/* =========================================
   ANIMATIONS
   ========================================= */
@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(28px);
  }

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

@keyframes fadeInRight {
  from {
    opacity: 0;
    transform: translateX(40px);
  }

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

@keyframes fadeIn {
  from {
    opacity: 0;
  }

  to {
    opacity: 1;
  }
}

@keyframes bounceIn {
  0% {
    transform: scale(0.8);
    opacity: 0;
  }

  60% {
    transform: scale(1.05);
    opacity: 1;
  }

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

@keyframes progressFill {
  from {
    width: 0;
  }

  to {
    width: 68%;
  }
}

@keyframes float {

  0%,
  100% {
    transform: translateY(0px);
  }

  50% {
    transform: translateY(-10px);
  }
}

.animate-float {
  animation: float 4s ease-in-out infinite;
}

/* Reveal on scroll */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

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

.reveal-delay-1 {
  transition-delay: 0.1s;
}

.reveal-delay-2 {
  transition-delay: 0.2s;
}

.reveal-delay-3 {
  transition-delay: 0.3s;
}

/* =========================================
   MOBILE NAV MENU
   ========================================= */
.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--grey-100);
  padding: 16px 24px 24px;
  gap: 4px;
  box-shadow: var(--shadow-md);
}

.mobile-nav.open {
  display: flex;
}

.mobile-nav a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--grey-600);
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}

.mobile-nav a:hover {
  color: var(--primary);
  background: var(--grey-50);
}

.mobile-nav .nav-cta {
  background: linear-gradient(135deg, var(--primary), var(--primary-light)) !important;
  color: var(--white) !important;
  margin-top: 8px;
  text-align: center;
  justify-content: center;
}

/* =========================================
   BRANCHES PAGE
   ========================================= */
.branches-hero {
  padding: 140px 0 80px;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  color: var(--white);
  text-align: center;
}

.search-wrap {
  max-width: 600px;
  margin: -40px auto 60px;
  position: relative;
  z-index: 10;
}

.search-box {
  background: var(--white);
  padding: 8px;
  border-radius: 50px;
  display: flex;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--grey-100);
}

.search-box input {
  flex: 1;
  border: none;
  padding: 12px 24px;
  font-size: 1rem;
  outline: none;
  border-radius: 50px 0 0 50px;
}

.search-box .search-btn {
  background: var(--primary);
  color: var(--white);
  border: none;
  padding: 0 30px;
  border-radius: 50px;
  cursor: pointer;
  transition: background var(--transition);
}

.search-box .search-btn:hover {
  background: var(--primary-light);
}

.branch-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-bottom: 80px;
}

.branch-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--grey-100);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}

.branch-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: var(--primary-light);
}

.bc-city {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
}

.bc-name {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 16px;
}

.bc-info {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
  flex: 1;
}

.bc-item {
  display: flex;
  gap: 12px;
  font-size: 0.9rem;
  color: var(--grey-600);
  line-height: 1.5;
}

.bc-item i {
  color: var(--primary);
  width: 16px;
  margin-top: 4px;
}

.bc-actions {
  display: flex;
  gap: 12px;
}

.bc-actions .btn {
  flex: 1;
  padding: 10px;
  font-size: 0.85rem;
  justify-content: center;
}

.no-results {
  grid-column: 1 / -1;
  text-align: center;
  padding: 60px;
  display: none;
}

.no-results i {
  font-size: 3rem;
  color: var(--grey-200);
  margin-bottom: 16px;
}

.no-results p {
  color: var(--grey-400);
}

/* Payment Modal Styles */
.modal {
  display: none; 
  position: fixed; 
  z-index: 1000; 
  left: 0;
  top: 0;
  width: 100%; 
  height: 100%; 
  overflow: auto; 
  background-color: rgba(0,0,0,0.5); 
  backdrop-filter: blur(4px);
}

.modal-content {
  background-color: var(--white);
  margin: 10% auto; 
  padding: 30px;
  border-radius: var(--radius-lg);
  width: 90%;
  max-width: 500px;
  box-shadow: var(--shadow-lg);
  position: relative;
  animation: fadeIn 0.3s ease;
}

.modal-content h2 {
  color: var(--primary-dark);
  margin-bottom: 10px;
}

.modal-content p {
  color: var(--grey-600);
  margin-bottom: 20px;
  font-size: 0.9rem;
}

.close-modal {
  color: var(--grey-400);
  position: absolute;
  top: 15px;
  right: 20px;
  font-size: 28px;
  font-weight: bold;
  cursor: pointer;
  transition: color 0.2s;
}

.close-modal:hover,
.close-modal:focus {
  color: var(--danger);
  text-decoration: none;
}

#qrcode img {
  margin: 0 auto;
}

@media (max-width: 1024px) {
  .branch-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .branch-grid {
    grid-template-columns: 1fr;
  }

  .branches-hero {
    padding: 100px 0 60px;
  }
}

/* =========================================
   PARTNERS PAGE
   ========================================= */
.partners-hero {
  padding: 140px 0 80px;
  background: linear-gradient(135deg, var(--primary-dark), #152c52);
  color: var(--white);
  text-align: center;
}

.partner-section {
  padding: 80px 0;
}

.partner-cat-title {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 40px;
}

.partner-cat-title h3 {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  color: var(--primary-dark);
}

.partner-cat-title .line {
  flex: 1;
  height: 1px;
  background: var(--grey-200);
}

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

.partner-card {
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius-md);
  padding: 30px 24px;
  text-align: center;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
  height: 100%;
}

.partner-card:hover {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-md);
  transform: translateY(-5px);
}

.partner-logo {
  width: 120px;
  height: 120px;
  background: var(--white);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  transition: all var(--transition);
  padding: 12px;
  border: 1px solid var(--grey-100);
}

.partner-logo img {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
  filter: grayscale(100%);
  opacity: 0.7;
  transition: all var(--transition);
}

.partner-card:hover .partner-logo {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-sm);
}

.partner-card:hover .partner-logo img {
  filter: grayscale(0%);
  opacity: 1;
  transform: scale(1.05);
}

.partner-name {
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 12px;
  font-size: 1.1rem;
}

.partner-desc {
  font-size: 0.85rem;
  color: var(--grey-600);
  line-height: 1.6;
}

.be-partner-section {
  background: var(--grey-50);
  border-radius: var(--radius-lg);
  padding: 60px;
  text-align: center;
}

@media (max-width: 1200px) {
  .partner-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 992px) {
  .partner-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 576px) {
  .partner-grid {
    grid-template-columns: 1fr;
  }

  .be-partner-section {
    padding: 40px 20px;
  }
}

/* =========================================
   ELIGIBILITY SECTION
   ========================================= */
.eligibility-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}

.eligibility-list {
  list-style: none;
  margin-top: 24px;
}

.eligibility-list li {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 20px;
  font-size: 1.05rem;
  color: var(--grey-700);
}

.eligibility-list li i {
  color: var(--primary);
  margin-top: 4px;
}

.eligibility-card {
  background: var(--white);
  padding: 40px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--grey-100);
}

.eligibility-card h3 {
  margin-bottom: 24px;
  color: var(--primary-dark);
  font-family: var(--font-display);
}

/* =========================================
   STATUTORY DISCLOSURE PORTAL (COMPREHENSIVE)
   ========================================= */
.statutory-portal {
  background: #f8fafc;
  border-top: 1px solid var(--grey-100);
  background-image: radial-gradient(var(--grey-200) 0.5px, transparent 0.5px);
  background-size: 30px 30px;
}

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

.legal-box {
  background: var(--white);
  padding: 32px;
  border-radius: var(--radius-md);
  border: 1px solid var(--grey-200);
  transition: all var(--transition);
}

.legal-box:hover {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-sm);
}

.legal-box h3 {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--primary-dark);
  margin-bottom: 16px;
  font-size: 1.25rem;
}

.legal-box h3 i {
  color: var(--primary);
  font-size: 1.1rem;
}

.legal-content {
  font-size: 0.92rem;
  color: var(--grey-600);
  line-height: 1.7;
}

.legal-content ul {
  list-style: none;
  margin-left: 0;
  margin-top: 12px;
}

.legal-content ul li {
  position: relative;
  padding-left: 20px;
  margin-bottom: 8px;
}

.legal-content ul li::before {
  content: "•";
  position: absolute;
  left: 0;
  color: var(--primary);
  font-weight: bold;
}

.disclaimer-box {
  grid-column: span 2;
  background: #fffbeb;
  border: 1px solid #fde68a;
  padding: 24px;
  border-radius: var(--radius-md);
  color: #92400e;
  font-size: 0.88rem;
  line-height: 1.6;
}

.grievance-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 16px;
}

.grievance-contact {
  padding: 16px;
  background: var(--grey-50);
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
}

.grievance-contact strong {
  display: block;
  color: var(--primary-dark);
  margin-bottom: 4px;
}

@media (max-width: 992px) {

  .services-grid,
  .services-full-grid,
  .eligibility-grid,
  .legal-grid,
  .grievance-grid {
    grid-template-columns: 1fr;
  }

  .disclaimer-box {
    grid-column: span 1;
  }
}

/* =========================================
   RESPONSIVE
   ========================================= */
@media (max-width: 1024px) {
  .hero-content {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .hero-visual {
    display: none;
  }

  .about-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .about-visual {
    display: none;
  }

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

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

  /* Navbar Breakpoint Update */
  .nav-links {
    display: none;
  }

  .hamburger {
    display: flex;
  }
}

@media (max-width: 768px) {

  .section-pad {
    padding: 64px 0;
  }

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

  .hero-stats {
    gap: 20px;
  }

  .stat-num {
    font-size: 1.4rem;
  }

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

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

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

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

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

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

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

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

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

  .hero-badge {
    font-size: 0.7rem;
  }
}

@media (max-width: 480px) {
  .hero-actions {
    flex-direction: column;
  }

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

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

  .stat-divider {
    display: none;
  }
}