/* =========================================
   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);
  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);
  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);
}

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

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