/* PSV Associates - Modern Bank Loan DSA Design System */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

:root {
  --primary-dark: #0F2C59;
  --primary-navy: #1E3A8A;
  --brand-blue: #2563EB;
  --brand-blue-hover: #1D4ED8;
  --light-blue-bg: #F0F6FF;
  --light-blue-subtle: #F8FAFC;
  --accent-cyan: #0EA5E9;
  --whatsapp-green: #25D366;
  --whatsapp-hover: #1EBE5D;
  --text-dark: #0F172A;
  --text-muted: #64748B;
  --text-light: #94A3B8;
  --white: #FFFFFF;
  --border-light: #E2E8F0;
  --border-blue: #BFDBFE;
  --radius-2xl: 24px;
  --radius-xl: 20px;
  --radius-lg: 16px;
  --radius-md: 12px;
  --radius-sm: 8px;
  --shadow-sm: 0 2px 10px rgba(15, 44, 89, 0.04);
  --shadow-card: 0 12px 36px -6px rgba(15, 44, 89, 0.08), 0 4px 16px -2px rgba(15, 44, 89, 0.03);
  --shadow-hover: 0 22px 45px -10px rgba(37, 99, 235, 0.18);
  --transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  scroll-behavior: smooth;
  font-family: 'Plus Jakarta Sans', sans-serif;
  color: var(--text-dark);
  background-color: #FFFFFF;
}

body {
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

/* Preloader Loading Screen */
.preloader-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: var(--primary-dark);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}

.preloader-overlay.fade-out {
  opacity: 0;
  visibility: hidden;
}

.preloader-content {
  text-align: center;
  color: white;
}

.preloader-logo {
  display: flex;
  justify-content: center;
  margin-bottom: 20px;
}

.preloader-spinner {
  width: 50px;
  height: 50px;
  border: 4px solid rgba(255, 255, 255, 0.15);
  border-top-color: #60A5FA;
  border-radius: 50%;
  animation: preloader-spin 0.9s linear infinite;
  margin: 0 auto 20px auto;
}

@keyframes preloader-spin {
  to { transform: rotate(360deg); }
}

.preloader-text {
  font-size: 1.8rem;
  font-weight: 800;
  margin-bottom: 6px;
  color: white;
}

.preloader-text span {
  color: #60A5FA;
}

.preloader-subtext {
  font-size: 0.9rem;
  color: #94A3B8;
  letter-spacing: 1px;
}

/* Scroll Reveal Animations */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}

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

/* Float animation for hero image */
@keyframes float {
  0% { transform: translateY(0px); }
  50% { transform: translateY(-8px); }
  100% { transform: translateY(0px); }
}

.hero-img-wrapper img {
  animation: float 5s ease-in-out infinite;
}

/* Typography Helpers */
h1, h2, h3, h4, h5, h6 {
  color: var(--primary-dark);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.01em;
}

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

ul {
  list-style: none;
}

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

.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
}

/* Announcement Top Bar */
.top-bar {
  background-color: var(--primary-dark);
  color: #E2E8F0;
  font-size: 0.875rem;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-bar-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.top-bar-info {
  display: flex;
  gap: 28px;
  align-items: center;
}

.top-bar-item {
  display: flex;
  align-items: center;
  gap: 8px;
}

.top-bar-highlight {
  background: rgba(37, 99, 235, 0.25);
  color: #60A5FA;
  padding: 4px 12px;
  border-radius: 20px;
  font-weight: 700;
  font-size: 0.75rem;
  letter-spacing: 0.5px;
}

/* Navigation Header */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border-light);
  transition: var(--transition);
}

.navbar-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 84px;
  gap: 20px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--primary-dark);
  white-space: nowrap;
  flex-shrink: 0;
}

.logo-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--brand-blue) 0%, var(--primary-dark) 100%);
  color: white;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.3);
}

.logo-text span {
  color: var(--brand-blue);
}

.logo-subtitle {
  font-size: 0.675rem;
  font-weight: 700;
  letter-spacing: 0.8px;
  color: var(--text-muted);
  display: block;
  margin-top: 1px;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 22px;
  flex-wrap: nowrap;
}

.nav-link {
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--text-dark);
  transition: var(--transition);
  position: relative;
  padding: 6px 0;
  white-space: nowrap;
}

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

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2.5px;
  background: var(--brand-blue);
  transition: var(--transition);
  border-radius: 2px;
}

.nav-link:hover::after, .nav-link.active::after {
  width: 100%;
}

.nav-cta-group {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}

.nav-phone-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--brand-blue);
  background: var(--light-blue-bg);
  border: 1px solid var(--border-blue);
  padding: 8px 14px;
  border-radius: 30px;
  white-space: nowrap;
  transition: var(--transition);
}

.nav-phone-link:hover {
  background: var(--brand-blue);
  color: white;
  border-color: var(--brand-blue);
}

/* Button Component & Spinner */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 12px 24px;
  font-size: 0.925rem;
  font-weight: 700;
  border-radius: var(--radius-md);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
  min-height: 46px;
}

.btn:disabled {
  opacity: 0.75;
  cursor: not-allowed;
}

.btn-spinner {
  display: inline-block;
  width: 16px;
  height: 16px;
  border: 2.5px solid rgba(255, 255, 255, 0.4);
  border-top-color: white;
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  vertical-align: middle;
  margin-right: 6px;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.btn-primary {
  background: linear-gradient(135deg, var(--brand-blue) 0%, var(--primary-navy) 100%);
  color: var(--white);
  box-shadow: 0 6px 20px rgba(37, 99, 235, 0.25);
}

.btn-primary:hover:not(:disabled) {
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(37, 99, 235, 0.38);
  background: linear-gradient(135deg, var(--brand-blue-hover) 0%, var(--primary-dark) 100%);
}

.btn-secondary {
  background-color: var(--light-blue-bg);
  color: var(--brand-blue);
  border: 1.5px solid var(--border-blue);
}

.btn-secondary:hover:not(:disabled) {
  background-color: #E0EDFF;
  color: var(--primary-navy);
  transform: translateY(-2px);
}

.btn-whatsapp {
  background-color: var(--whatsapp-green);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(37, 211, 102, 0.3);
}

.btn-whatsapp:hover:not(:disabled) {
  background-color: var(--whatsapp-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(37, 211, 102, 0.42);
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.6rem;
  color: var(--primary-dark);
  cursor: pointer;
  padding: 4px;
}

/* Hero Section */
.hero {
  position: relative;
  background: linear-gradient(180deg, #F0F6FF 0%, #FFFFFF 100%);
  padding: 70px 0 90px 0;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -10%;
  right: -5%;
  width: 550px;
  height: 550px;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.08) 0%, rgba(255, 255, 255, 0) 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: center;
}

.badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 20px;
  background-color: var(--white);
  border: 1px solid var(--border-blue);
  border-radius: 30px;
  color: var(--brand-blue);
  font-weight: 700;
  font-size: 0.875rem;
  box-shadow: var(--shadow-sm);
  margin-bottom: 24px;
}

.badge-dot {
  width: 9px;
  height: 9px;
  background-color: var(--brand-blue);
  border-radius: 50%;
  display: inline-block;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(37, 99, 235, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 8px rgba(37, 99, 235, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(37, 99, 235, 0); }
}

.hero-title {
  font-size: 3.4rem;
  font-weight: 800;
  color: var(--primary-dark);
  letter-spacing: -0.025em;
  line-height: 1.18;
  margin-bottom: 24px;
}

.hero-title span {
  color: var(--brand-blue);
  background: linear-gradient(135deg, var(--brand-blue) 0%, var(--primary-navy) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-description {
  font-size: 1.18rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 36px;
  max-width: 600px;
}

.hero-cta-group {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}

.hero-features-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  padding-top: 28px;
  border-top: 1px solid var(--border-light);
}

.hero-feature-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 600;
  font-size: 0.975rem;
  color: var(--primary-dark);
}

.hero-feature-icon {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: rgba(37, 99, 235, 0.12);
  color: var(--brand-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 800;
  flex-shrink: 0;
}

/* Hero Quick Form Card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: 36px;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(226, 232, 240, 0.95);
  position: relative;
}

.hero-card-header {
  margin-bottom: 24px;
}

.hero-card-title {
  font-size: 1.45rem;
  color: var(--primary-dark);
  margin-bottom: 6px;
}

.hero-card-subtitle {
  font-size: 0.925rem;
  color: var(--text-muted);
}

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

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 8px;
}

.form-control, .form-select {
  width: 100%;
  height: 48px;
  padding: 0 18px;
  font-size: 0.95rem;
  font-family: inherit;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  background-color: #FAFAFA;
  transition: var(--transition);
  color: var(--text-dark);
}

textarea.form-control {
  height: auto;
  padding: 14px 18px;
}

.form-control:focus, .form-select:focus {
  outline: none;
  border-color: var(--brand-blue);
  background-color: var(--white);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12);
}

.hero-img-wrapper {
  margin-top: 28px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.hero-img-wrapper img {
  width: 100%;
  height: 210px;
  object-fit: cover;
}

/* Stats Counter Section */
.stats-bar {
  background-color: var(--white);
  margin-top: -40px;
  position: relative;
  z-index: 10;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: 36px 40px;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--border-light);
}

.stat-item {
  text-align: center;
  padding: 0 16px;
  border-right: 1px solid var(--border-light);
}

.stat-item:last-child {
  border-right: none;
}

.stat-number {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--brand-blue);
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}

.stat-label {
  font-size: 0.925rem;
  color: var(--text-muted);
  font-weight: 600;
}

/* Section Layout & Header */
.section {
  padding: 100px 0;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 60px auto;
}

.section-tag {
  color: var(--brand-blue);
  font-size: 0.875rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin-bottom: 12px;
  display: block;
}

.section-title {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--primary-dark);
  margin-bottom: 18px;
  letter-spacing: -0.02em;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* About Us Section */
.about-section {
  background-color: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 64px;
  align-items: center;
}

.about-img-box {
  position: relative;
}

.about-img-main {
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-card);
  width: 100%;
}

.about-experience-card {
  position: absolute;
  bottom: -24px;
  right: -24px;
  background: var(--primary-dark);
  color: white;
  padding: 26px 32px;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-hover);
  display: flex;
  align-items: center;
  gap: 18px;
}

.exp-num {
  font-size: 3rem;
  font-weight: 800;
  color: #60A5FA;
  line-height: 1;
}

.exp-txt {
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1.35;
}

.about-content-list {
  margin: 32px 0 36px 0;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.about-list-item {
  display: flex;
  gap: 16px;
}

.about-list-icon {
  width: 36px;
  height: 36px;
  background: rgba(37, 99, 235, 0.1);
  color: var(--brand-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}

.about-list-text h4 {
  font-size: 1.1rem;
  margin-bottom: 4px;
}

.about-list-text p {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.55;
}

/* Loan Products Section */
.products-section {
  background-color: var(--light-blue-bg);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.product-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: 36px;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--border-light);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
}

.product-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
  border-color: var(--border-blue);
}

.product-badge {
  position: absolute;
  top: 24px;
  right: 24px;
  background: rgba(37, 99, 235, 0.1);
  color: var(--brand-blue);
  font-size: 0.775rem;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: 20px;
  letter-spacing: 0.3px;
}

.product-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, #EFF6FF 0%, #DBEAFE 100%);
  color: var(--brand-blue);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.9rem;
  margin-bottom: 24px;
}

.product-title {
  font-size: 1.4rem;
  color: var(--primary-dark);
  margin-bottom: 12px;
}

.product-description {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: 24px;
}

.product-specs {
  background: var(--light-blue-subtle);
  border-radius: var(--radius-md);
  padding: 18px;
  margin-bottom: 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.spec-item {
  display: flex;
  flex-direction: column;
}

.spec-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 2px;
}

.spec-value {
  font-size: 1rem;
  font-weight: 800;
  color: var(--primary-dark);
}

.product-bullets {
  margin-bottom: 28px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.bullet-item {
  font-size: 0.9rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 10px;
}

.bullet-item::before {
  content: '✓';
  color: var(--brand-blue);
  font-weight: 800;
}

/* EMI Calculator Section */
.calculator-section {
  background-color: var(--white);
}

.calculator-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-card);
  border: 1px solid var(--border-light);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
}

.calc-inputs {
  padding: 48px;
}

.calc-input-group {
  margin-bottom: 32px;
}

.calc-input-group:last-child {
  margin-bottom: 0;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}

.calc-label {
  font-weight: 700;
  color: var(--primary-dark);
  font-size: 1.05rem;
}

.calc-value-badge {
  background: var(--light-blue-bg);
  color: var(--brand-blue);
  font-weight: 800;
  font-size: 1.1rem;
  padding: 6px 16px;
  border-radius: 10px;
  border: 1px solid var(--border-blue);
}

.calc-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #E2E8F0;
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--brand-blue);
  border: 3px solid white;
  box-shadow: 0 4px 10px rgba(37, 99, 235, 0.4);
  cursor: pointer;
  transition: var(--transition);
}

.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.calc-min-max {
  display: flex;
  justify-content: space-between;
  font-size: 0.825rem;
  color: var(--text-light);
  margin-top: 8px;
  font-weight: 600;
}

.calc-results {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-navy) 100%);
  color: white;
  padding: 48px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-result-header {
  margin-bottom: 28px;
}

.calc-result-title {
  color: #93C5FD;
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
}

.calc-emi-amount {
  font-size: 3rem;
  font-weight: 800;
  color: white;
  margin: 12px 0 24px 0;
  letter-spacing: -0.02em;
}

.calc-breakdown {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: 36px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-xl);
  padding: 24px;
  backdrop-filter: blur(10px);
}

.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.975rem;
}

.calc-breakdown-label {
  color: #CBD5E1;
}

.calc-breakdown-val {
  font-weight: 700;
  color: white;
}

.progress-bar-container {
  height: 12px;
  background: rgba(255, 255, 255, 0.2);
  border-radius: 6px;
  overflow: hidden;
  display: flex;
  margin-top: 14px;
}

.progress-bar-principal {
  background: #60A5FA;
  height: 100%;
  width: 60%;
}

.progress-bar-interest {
  background: #F59E0B;
  height: 100%;
  width: 40%;
}

/* Why Choose Us Section */
.why-section {
  background-color: var(--white);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}

.why-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px 28px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  text-align: center;
}

.why-card:hover {
  transform: translateY(-6px);
  border-color: var(--border-blue);
  box-shadow: var(--shadow-card);
}

.why-icon {
  width: 68px;
  height: 68px;
  background: var(--light-blue-bg);
  color: var(--brand-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 24px auto;
}

.why-title {
  font-size: 1.2rem;
  color: var(--primary-dark);
  margin-bottom: 12px;
}

.why-desc {
  color: var(--text-muted);
  font-size: 0.925rem;
  line-height: 1.6;
}

/* Bank Partners Grid */
.banks-section {
  background-color: var(--light-blue-subtle);
  padding: 70px 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.banks-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}

.bank-item {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 22px 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--border-light);
  font-weight: 700;
  color: var(--primary-dark);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  font-size: 0.975rem;
  text-align: center;
}

.bank-item:hover {
  border-color: var(--brand-blue);
  transform: translateY(-3px);
  box-shadow: var(--shadow-card);
}

/* Eligibility Section */
.eligibility-section {
  background-color: var(--white);
}

.tab-buttons {
  display: flex;
  justify-content: center;
  gap: 16px;
  margin-bottom: 48px;
}

.tab-btn {
  padding: 14px 32px;
  font-size: 1.05rem;
  font-weight: 700;
  border-radius: 30px;
  border: 1.5px solid var(--border-light);
  background: var(--white);
  color: var(--text-muted);
  cursor: pointer;
  transition: var(--transition);
}

.tab-btn.active {
  background: var(--brand-blue);
  color: white;
  border-color: var(--brand-blue);
  box-shadow: 0 6px 20px rgba(37, 99, 235, 0.3);
}

.tab-content {
  display: none;
}

.tab-content.active {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
}

.eligibility-box {
  background: var(--light-blue-bg);
  border-radius: var(--radius-2xl);
  padding: 40px;
  border: 1px solid var(--border-blue);
}

.box-title {
  font-size: 1.35rem;
  color: var(--primary-dark);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.checklist {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.check-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 0.975rem;
  color: var(--text-dark);
  line-height: 1.5;
}

.check-icon {
  width: 24px;
  height: 24px;
  background: var(--brand-blue);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}

/* Reviews / Testimonials */
.reviews-section {
  background-color: var(--light-blue-bg);
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.review-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: 36px;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--border-light);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.stars {
  color: #F59E0B;
  font-size: 1.2rem;
  margin-bottom: 18px;
  letter-spacing: 2px;
}

.review-quote {
  color: var(--text-muted);
  font-size: 0.975rem;
  font-style: italic;
  line-height: 1.65;
  margin-bottom: 28px;
}

.reviewer-profile {
  display: flex;
  align-items: center;
  gap: 16px;
}

.reviewer-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--light-blue-bg);
  color: var(--brand-blue);
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  border: 2px solid var(--border-blue);
}

.reviewer-name {
  font-weight: 700;
  color: var(--primary-dark);
  font-size: 1.05rem;
}

.reviewer-tag {
  font-size: 0.825rem;
  color: var(--brand-blue);
  font-weight: 600;
}

/* FAQ Section */
.faq-section {
  background-color: var(--white);
}

.faq-container {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.faq-item {
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--border-blue);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  padding: 22px 28px;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--primary-dark);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: var(--white);
}

.faq-toggle {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--light-blue-bg);
  color: var(--brand-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.1rem;
  transition: var(--transition);
}

.faq-item.active .faq-toggle {
  transform: rotate(45deg);
  background: var(--brand-blue);
  color: white;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0, 1, 0, 1);
  background: #FAFAFA;
}

.faq-answer-inner {
  padding: 0 28px 24px 28px;
  color: var(--text-muted);
  font-size: 0.975rem;
  line-height: 1.65;
}

/* Contact Us Section */
.contact-section {
  background-color: var(--light-blue-bg);
}

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

.contact-info-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: 44px;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--border-light);
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  margin-bottom: 32px;
}

.contact-icon {
  width: 52px;
  height: 52px;
  background: var(--light-blue-bg);
  color: var(--brand-blue);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}

.contact-detail h4 {
  font-size: 1.1rem;
  margin-bottom: 6px;
}

.contact-detail p, .contact-detail a {
  color: var(--text-muted);
  font-size: 0.975rem;
  line-height: 1.55;
}

.contact-detail a:hover {
  color: var(--brand-blue);
}

.map-placeholder {
  width: 100%;
  height: 220px;
  background: #E2E8F0;
  border-radius: var(--radius-lg);
  margin-top: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  font-weight: 600;
  border: 1px solid var(--border-light);
  overflow: hidden;
}

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-2xl);
  padding: 44px;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--border-light);
}

/* Footer */
.footer {
  background: var(--primary-dark);
  color: #94A3B8;
  padding: 80px 0 36px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2.2fr 1fr 1fr 1.6fr;
  gap: 56px;
  margin-bottom: 60px;
}

.footer-logo {
  color: white;
  font-weight: 800;
  font-size: 1.5rem;
  margin-bottom: 18px;
  display: inline-block;
}

.footer-logo span {
  color: #60A5FA;
}

.footer-desc {
  font-size: 0.925rem;
  line-height: 1.65;
  margin-bottom: 24px;
}

.footer-title {
  color: white;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 24px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-links a {
  font-size: 0.925rem;
  transition: var(--transition);
}

.footer-links a:hover {
  color: #60A5FA;
  padding-left: 6px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.9rem;
}

/* Floating WhatsApp Action Button */
.whatsapp-float {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 64px;
  height: 64px;
  background-color: var(--whatsapp-green);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.1rem;
  box-shadow: 0 10px 28px rgba(37, 211, 102, 0.45);
  z-index: 999;
  transition: var(--transition);
  animation: pulse-green 2.5s infinite;
}

.whatsapp-float:hover {
  transform: scale(1.1);
  background-color: var(--whatsapp-hover);
}

@keyframes pulse-green {
  0% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.6); }
  70% { box-shadow: 0 0 0 18px rgba(37, 211, 102, 0); }
  100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0); }
}

/* Quick Application Modal */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(15, 44, 89, 0.65);
  backdrop-filter: blur(8px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
}

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

.modal-card {
  background: white;
  width: 100%;
  max-width: 600px;
  border-radius: var(--radius-2xl);
  padding: 40px;
  box-shadow: 0 30px 60px -12px rgba(0, 0, 0, 0.3);
  position: relative;
  transform: translateY(24px);
  transition: var(--transition);
}

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

.modal-close {
  position: absolute;
  top: 24px;
  right: 24px;
  background: var(--light-blue-bg);
  border: none;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  cursor: pointer;
  color: var(--primary-dark);
}

.modal-title {
  font-size: 1.65rem;
  margin-bottom: 6px;
}

.modal-subtitle {
  font-size: 0.925rem;
  color: var(--text-muted);
  margin-bottom: 28px;
}

/* Success Alert Notification */
.alert-success {
  background: #ECFDF5;
  border: 1px solid #A7F3D0;
  color: #065F46;
  padding: 18px;
  border-radius: var(--radius-md);
  margin-bottom: 24px;
  font-weight: 600;
  font-size: 0.95rem;
  display: none;
  line-height: 1.5;
}

/* Responsive Media Queries */
@media (max-width: 1200px) {
  .nav-menu { gap: 14px; }
  .nav-link { font-size: 0.825rem; }
}

@media (max-width: 1024px) {
  .hero-grid, .about-grid, .calculator-card, .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero-title { font-size: 2.7rem; }
  .products-grid, .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .banks-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .nav-menu {
    position: fixed;
    top: 84px;
    left: -100%;
    width: 100%;
    height: calc(100vh - 84px);
    background: white;
    flex-direction: column;
    padding: 40px 32px;
    align-items: flex-start;
    gap: 28px;
    transition: var(--transition);
    box-shadow: var(--shadow-card);
    z-index: 999;
    overflow-y: auto;
  }
  .nav-menu.active { left: 0; }
  .mobile-toggle { display: block; }
}

@media (max-width: 768px) {
  /* Top Bar */
  .top-bar-content { flex-direction: column; gap: 6px; text-align: center; }
  .top-bar-info { flex-direction: column; gap: 4px; align-items: center; }
  .top-bar-item { font-size: 0.8rem; }

  /* Navbar */
  .navbar-container { height: 70px; }
  .nav-phone-link { display: none; }
  .nav-menu { top: 70px; height: calc(100vh - 70px); }
  .logo { font-size: 1.1rem; }
  .logo-icon { width: 36px; height: 36px; font-size: 1.1rem; }

  /* Hero */
  .hero { padding: 50px 0 60px 0; }
  .hero-title { font-size: 2rem; line-height: 1.25; }
  .hero-description { font-size: 1rem; }
  .hero-cta-group { flex-direction: column; gap: 12px; }
  .hero-cta-group .btn { width: 100%; justify-content: center; }
  .hero-features-list { grid-template-columns: 1fr 1fr; gap: 14px; }
  .hero-card { padding: 24px; }
  .hero-grid { gap: 32px; }

  /* Stats */
  .stats-bar { margin-top: -10px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; padding: 24px 20px; }
  .stat-item { border-right: none; border-bottom: 1px solid var(--border-light); padding-bottom: 12px; }
  .stat-item:nth-child(3), .stat-item:nth-child(4) { border-bottom: none; }
  .stat-number { font-size: 1.6rem; }

  /* Sections */
  .section { padding: 70px 0; }
  .section-title { font-size: 2rem; }

  /* About */
  .about-experience-card {
    position: relative;
    bottom: auto;
    right: auto;
    margin-top: 20px;
    border-radius: var(--radius-lg);
    justify-content: center;
  }

  /* Products */
  .products-grid { grid-template-columns: 1fr; gap: 20px; }

  /* Calculator */
  .calculator-card { grid-template-columns: 1fr; }
  .calc-inputs { padding: 28px 24px; }
  .calc-results { padding: 28px 24px; }
  .calc-emi-amount { font-size: 2.2rem; }

  /* Why Us */
  .why-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }

  /* Banks */
  .banks-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }

  /* Eligibility */
  .tab-buttons { flex-direction: column; align-items: stretch; gap: 10px; }
  .tab-btn { text-align: center; font-size: 0.95rem; padding: 12px 20px; }
  .tab-content.active { grid-template-columns: 1fr; gap: 20px; }
  .eligibility-box { padding: 28px 20px; }

  /* Reviews */
  .reviews-grid { grid-template-columns: 1fr; gap: 20px; }

  /* Contact */
  .contact-grid { grid-template-columns: 1fr; gap: 28px; }
  .contact-info-card, .contact-form-card { padding: 28px 24px; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .footer { padding: 60px 0 28px 0; }

  /* Modal */
  .modal-card { padding: 28px 20px; margin: 16px; max-height: 90vh; overflow-y: auto; }
  .modal-overlay { padding: 16px; }

  /* WhatsApp float */
  .whatsapp-float { bottom: 20px; right: 20px; width: 54px; height: 54px; font-size: 1.7rem; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }

  /* Navbar */
  .navbar-container { height: 64px; padding: 0 16px; }
  .logo-subtitle { display: none; }
  .nav-menu { top: 64px; height: calc(100vh - 64px); }
  .btn { padding: 10px 18px; font-size: 0.875rem; }

  /* Hero */
  .hero { padding: 36px 0 48px 0; }
  .hero-title { font-size: 1.75rem; }
  .hero-description { font-size: 0.925rem; }
  .badge-pill { font-size: 0.78rem; padding: 6px 14px; }
  .hero-features-list { grid-template-columns: 1fr; gap: 10px; }
  .hero-card { padding: 20px 16px; }

  /* Stats */
  .stats-grid { padding: 18px 14px; gap: 10px; }
  .stat-number { font-size: 1.3rem; }
  .stat-label { font-size: 0.78rem; }

  /* Sections */
  .section { padding: 55px 0; }
  .section-title { font-size: 1.6rem; }
  .section-subtitle { font-size: 0.925rem; }
  .section-header { margin-bottom: 36px; }

  /* Product Cards */
  .product-card { padding: 24px 18px; }
  .product-icon { width: 52px; height: 52px; font-size: 1.5rem; }
  .product-title { font-size: 1.2rem; }
  .product-specs { grid-template-columns: 1fr; gap: 10px; }

  /* Calculator */
  .calc-inputs { padding: 22px 16px; }
  .calc-results { padding: 22px 16px; }
  .calc-emi-amount { font-size: 1.9rem; }
  .calc-value-badge { font-size: 0.9rem; padding: 4px 10px; }
  .calc-label { font-size: 0.95rem; }

  /* Why Cards */
  .why-grid { grid-template-columns: 1fr; gap: 14px; }
  .why-card { padding: 24px 18px; }

  /* Banks */
  .banks-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .bank-item { padding: 14px 10px; font-size: 0.8rem; }

  /* FAQ */
  .faq-question { font-size: 0.925rem; padding: 18px 18px; }
  .faq-answer-inner { padding: 0 18px 18px 18px; font-size: 0.875rem; }

  /* Contact Cards */
  .contact-info-card, .contact-form-card { padding: 22px 16px; }
  .contact-icon { width: 42px; height: 42px; font-size: 1.2rem; }
  .contact-item { gap: 14px; margin-bottom: 24px; }

  /* Footer */
  .footer-logo { font-size: 1.2rem; }
  .footer-desc { font-size: 0.85rem; }
  .footer { padding: 48px 0 22px 0; }
  .footer-grid { gap: 28px; }

  /* Reviews */
  .review-card { padding: 24px 18px; }
  .reviewer-avatar { width: 44px; height: 44px; font-size: 1rem; }

  /* Eligibility */
  .eligibility-box { padding: 22px 16px; }
  .box-title { font-size: 1.1rem; }
  .check-item { font-size: 0.9rem; }

  /* Modal */
  .modal-card { padding: 22px 16px; border-radius: var(--radius-xl); }
  .modal-title { font-size: 1.3rem; }
  .modal-subtitle { font-size: 0.875rem; }

  /* About */
  .about-list-text h4 { font-size: 1rem; }
  .about-list-text p { font-size: 0.875rem; }
  .exp-num { font-size: 2.4rem; }
}