/* ===================================
   Darsh Capital - Navbar, Footer & Animations
   (Necessary styles from Yashika Financial)
   =================================== */

:root {
    --primary-color: #223A5F;
    --primary-dark: #1a2d47;
    --primary-light: #eef2f7;
    --secondary-color: #dfae45;
    --accent-gold: #feb601;
    --white: #ffffff;
    --light-gray: #e8ecf1;
    --medium-gray: #6c757d;
    --dark-gray: #343a40;
    --black: #1a1a1a;
    --gradient-primary: linear-gradient(135deg, #223A5F 0%, #2e66af 100%);
    --gradient-secondary: linear-gradient(135deg, #c39a2e 0%, #dfae45 100%);
    --gradient-tertiary: linear-gradient(135deg, rgb(34, 58, 95) 0%, rgb(46, 102, 175) 40%, rgb(223, 174, 69) 100%);
    --font-primary: 'Poppins', 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    --font-secondary: 'Roboto', Arial, sans-serif;
    --transition-fast: 0.2s ease;
    --transition-normal: 0.3s ease;
    --radius-md: 12px;
    --radius-lg: 20px;
    --off-white: #f8f9fa;
}

/* Common section utilities (Kalakal-style) */
.section {
    padding: 100px 0;
    position: relative;
    scroll-margin-top: 80px;
    overflow-x: hidden;
    background: var(--white);
    overflow: hidden;
}

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



/* ========== SECTION HEADER - common styles for all sections ========== */
.section .section-title-wrapper {
    position: relative;
    text-align: center;
    max-width: 900px;
    margin: 0 auto;
}

.section .sub-title-outer {
    margin-bottom: 10px;
    display: inline-block;
}

.section .subtitle {
    position: relative;
    color: var(--secondary-color);
    font-size: 16px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 0;
}

.section .subtitle::before {
    content: '';
    position: absolute;
    right: -70px;
    bottom: 10px;
    width: 54px;
    height: 3px;
    background: var(--secondary-color);
}

.section .section-title-main {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1rem;
    background: var(--gradient-tertiary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.section .section-description {
    font-size: 1.05rem;
    line-height: 1.7;
    color: var(--medium-gray);
    margin: 0;
}

/* ===================================
   HOW IT WORKS / PROCESS SECTION (from ZEFIRO)
   =================================== */

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.process-step {
    background: var(--white);
    padding: 2.5rem 2rem;
    border-radius: var(--radius-lg);
    text-align: center;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.08);
    border: 2px solid transparent;
    position: relative;
    overflow: hidden;
}

.process-step::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: var(--gradient-primary);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.process-step:hover::before {
    transform: scaleX(1);
}

.process-step:hover {
    transform: translateY(-12px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08);
    border-color: var(--primary-color);
    background: linear-gradient(to bottom, rgba(34, 58, 95, 0.02) 0%, var(--white) 100%);
}

.step-number {
    width: 60px;
    height: 60px;
    margin: 0 auto 1.5rem;
    background: var(--gradient-tertiary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    font-weight: 700;
    color: var(--white);
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.12);
    transition: all 0.3s ease;
}

.process-step:hover .step-number {
    transform: scale(1.15) rotate(360deg);
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.14);
}

.step-title {
    font-size: 1.35rem;
    color: var(--dark-gray);
    font-weight: 600;
    margin-bottom: 1rem;
    line-height: 1.3;
}

.step-description {
    font-size: 1rem;
    color: var(--medium-gray);
    line-height: 1.7;
    margin: 0;
}


/* ABOUT section: left-align header on desktop, center on small screens */
.section#about .section-title-wrapper {
    text-align: left;
}

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

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

section[id] {
    scroll-margin-top: 100px;
}

body {
    font-family: var(--font-primary);
    line-height: 1.6;
    color: var(--dark-gray);
    background-color: var(--white);
    overflow-x: hidden;
    width: 100%;
}

h1,
h2,
h3,
h4,
h5,
h6 {
    font-weight: 600;
    line-height: 1.3;
    color: var(--black);
    margin-bottom: 1rem;
}

h1 {
    font-size: clamp(2.5rem, 5vw, 4rem);
}

h2 {
    font-size: clamp(2rem, 4vw, 3rem);
}

h3 {
    font-size: clamp(1.5rem, 3vw, 2rem);
}

h4 {
    font-size: 1.5rem;
}

p {
    margin-bottom: 1rem;
    font-size: 1.1rem;
    color: var(--medium-gray);
}

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

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

.container {
    max-width: 1400px;
    width: 100%;
    margin: 0 auto;
    padding: 0 20px;
}

/* ========== NAVBAR ========== */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    background: linear-gradient(to bottom, rgba(255, 255, 255, 0.98), rgba(255, 255, 255, 0.95));
    backdrop-filter: blur(10px);
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.08);
    z-index: 1000;
    transition: all var(--transition-normal);
    border-bottom: 1px solid rgba(26, 84, 144, 0.1);
}

.navbar.scrolled {
    background: rgba(255, 255, 255, 0.98);
    box-shadow: 0 4px 30px rgba(0, 0, 0, 0.12);
    border-bottom: 1px solid rgba(26, 84, 144, 0.15);
}

.nav-container {
    max-width: 1400px;
    width: 100%;
    margin: 0 auto;
    padding: 1.2rem 3rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
    display: flex;
    align-items: center;
    gap: 0.75rem;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    position: relative;
}

.logo-img {
    height: 77px;
    object-fit: contain;
    animation: logoFloat 3s ease-in-out infinite;
}

@keyframes logoFloat {

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

    50% {
        transform: translateY(-3px);
    }
}

.logo .logo-text {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 0.5rem;
    align-items: center;
}

.nav-item {
    position: relative;
}

.nav-link {
    color: var(--dark-gray);
    font-weight: 600;
    font-size: 0.95rem;
    padding: 0.75rem 1.25rem;
    border-radius: var(--radius-md);
    transition: all var(--transition-normal);
    display: flex;
    align-items: center;
    gap: 0.4rem;
    position: relative;
    letter-spacing: 0.3px;
}

.nav-link::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    width: 0;
    height: 3px;
    background: var(--gradient-primary);
    transform: translateX(-50%);
    transition: width var(--transition-normal);
    border-radius: 2px;
}

.nav-link:hover {
    color: var(--primary-color);
    transform: translateY(-2px);
    background: var(--primary-light);
}

.nav-link:hover::before {
    width: 70%;
}

.nav-link.active {
    color: var(--white);
    background: var(--gradient-primary);
    box-shadow: 0 4px 12px rgba(34, 58, 95, 0.35);
}

.nav-link.active::before {
    display: none;
}

.dropdown {
    position: relative;
}

.dropdown-menu {
    position: absolute;
    top: calc(100% + 0.5rem);
    left: 0;
    background: var(--white);
    box-shadow: 0 8px 40px rgba(0, 0, 0, 0.15);
    border-radius: var(--radius-lg);
    min-width: 320px;
    max-height: 480px;
    overflow-y: hidden;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all var(--transition-normal);
    z-index: 100;
    border: 1px solid rgba(26, 84, 144, 0.1);
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
    padding: 0.5rem;
}

.dropdown-menu::-webkit-scrollbar {
    width: 6px;
}

.dropdown-menu::-webkit-scrollbar-track {
    background: var(--light-gray);
    border-radius: 10px;
}

.dropdown-menu::-webkit-scrollbar-thumb {
    background: var(--primary-color);
    border-radius: 10px;
}

.dropdown-menu::before {
    content: '';
    position: absolute;
    top: -8px;
    left: 30px;
    width: 0;
    height: 0;
    border-left: 8px solid transparent;
    border-right: 8px solid transparent;
    border-bottom: 8px solid var(--white);
}

.dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-item {
    padding: 0.85rem 1.25rem;
    color: var(--dark-gray);
    display: flex;
    align-items: center;
    gap: 1rem;
    transition: all var(--transition-fast);
    border-radius: var(--radius-md);
    font-weight: 500;
    font-size: 0.95rem;
    position: relative;
}

.dropdown-item i {
    color: var(--primary-color);
    width: 20px;
    font-size: 1.1rem;
    transition: var(--transition-fast);
}

.dropdown-item::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 0;
    height: 60%;
    background: var(--gradient-primary);
    border-radius: 0 4px 4px 0;
    transition: width var(--transition-fast);
}

.dropdown-item:hover {
    background: linear-gradient(90deg, rgba(26, 84, 144, 0.08) 0%, rgba(26, 84, 144, 0.02) 100%);
    color: var(--primary-color);
    padding-left: 1.5rem;
    transform: translateX(5px);
}

.dropdown-item:hover::before {
    width: 4px;
}

.dropdown-item:hover i {
    transform: scale(1.2);
    color: var(--primary-dark);
}

.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 0.35rem;
    cursor: pointer;
    padding: 0.75rem;
    background: var(--primary-light);
    border-radius: var(--radius-md);
    border: 2px solid rgba(26, 84, 144, 0.1);
    transition: var(--transition-normal);
}

.menu-toggle:hover {
    border-color: var(--primary-color);
}

.menu-toggle span {
    width: 26px;
    height: 3px;
    background: var(--primary-color);
    border-radius: 3px;
    transition: all var(--transition-normal);
}

.menu-toggle:hover span {
    background: var(--primary-dark);
}

/* ========== SCROLL REVEAL ========== */
.reveal {
    opacity: 0;
    transform: translateY(50px);
    transition: all 0.8s ease;
}

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

/* ========== WHATSAPP FLOAT ========== */
.singhal-whatsapp-float {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 60px;
    height: 60px;
    background: #25D366;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.8rem;
    z-index: 999;
    transition: all 0.3s ease;
    text-decoration: none;
    animation: pulseWhatsApp 2s infinite;
    box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.7);
}

.singhal-whatsapp-float:hover {
    transform: scale(1.05);
    animation: none;
}

.singhal-whatsapp-float i {
    color: white;
}

@keyframes pulseWhatsApp {
    0% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.7);
    }

    50% {
        box-shadow: 0 0 0 20px rgba(37, 211, 102, 0);
    }

    100% {
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0);
    }
}

/* ========== SCROLL TO TOP ========== */
.scroll-top {
    position: fixed;
    bottom: 105px;
    right: 30px;
    width: 50px;
    height: 50px;
    background: var(--gradient-secondary);
    color: var(--white);
    border: none;
    border-radius: 50%;
    font-size: 1.5rem;
    cursor: pointer;
    box-shadow: 0 4px 15px rgba(181, 154, 106, 0.35);
    opacity: 0;
    visibility: hidden;
    transition: all var(--transition-normal);
    z-index: 999;
}

.scroll-top.visible {
    opacity: 1;
    visibility: visible;
}

.scroll-top:hover {
    transform: translateY(-5px);
    box-shadow: 0 6px 20px rgba(181, 154, 106, 0.45);
}

/* ========== FOOTER (Sandesh style) ========== */
.footer-modern {
    position: relative;
    background: linear-gradient(135deg, #0a0e27 0%, #1a1f3a 50%, #0f1419 100%);
    color: var(--white);
    overflow: hidden;
}

.footer-background {
    position: absolute;
    inset: 0;
    z-index: 0;
    overflow: hidden;
}

.footer-gradient {
    position: absolute;
    top: -50%;
    right: -20%;
    width: 800px;
    height: 800px;
    background: radial-gradient(circle, rgba(181, 154, 106, 0.15) 0%, transparent 70%);
    border-radius: 50%;
    animation: pulseGlow 4s ease-in-out infinite;
}

.footer-pattern {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.02) 1px, transparent 1px);
    background-size: 50px 50px;
    opacity: 0.5;
}

.footer-container {
    position: relative;
    z-index: 1;
    max-width: 1400px;
    margin: 0 auto;
    padding: 4rem 2rem 2rem;
}

.footer-top {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 4rem;
    margin-bottom: 3rem;
}

.footer-brand {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.footer-logo {
    display: inline-block;
    width: fit-content;
}

.footer-logo-img {
    height: 130px;
    object-fit: contain;
    background: var(--white);
    padding: 0.75rem;
    border-radius: var(--radius-md);
    border: 3px solid var(--primary-color);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15), 0 2px 4px rgba(0, 0, 0, 0.1);
    transition: all var(--transition-normal);
}

.footer-logo-img:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.2), 0 4px 8px rgba(0, 0, 0, 0.15), 0 4px 20px rgba(181, 154, 106, 0.3);
    border-color: var(--secondary-color);
    border-width: 4px;
}

.footer-logo-text {
    font-size: clamp(1.25rem, 2vw, 1.5rem);
    font-weight: 700;
    color: var(--white);
    letter-spacing: 0.5px;
}

.footer-tagline {
    font-size: 1.1rem;
    font-weight: 600;
    background: var(--gradient-secondary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin: 0;
}

.footer-description {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.8;
    margin: 0;
}

.footer-links-section {
    display: grid;
    grid-template-columns: 1fr 0.8fr 1.2fr;
    gap: 2.5rem;
}

.footer-column {
    display: flex;
    flex-direction: column;
}

.footer-title {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 1.5rem;
    position: relative;
    padding-bottom: 0.75rem;
}

.footer-title::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 40px;
    height: 3px;
    background: var(--gradient-secondary);
    border-radius: 2px;
}

.footer-menu {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer-menu li a {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.95rem;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    transition: all 0.3s ease;
    padding: 0.25rem 0;
}

.footer-menu li a i {
    font-size: 0.7rem;
    transition: all 0.3s ease;
    color: var(--secondary-color);
}

.footer-menu li a:hover {
    color: var(--white);
    transform: translateX(5px);
}

.footer-menu li a:hover i {
    color: var(--white);
    transform: translateX(3px);
}

.footer-modern .footer-contact {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.footer-modern .footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}

.footer-modern .contact-icon {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(181, 154, 106, 0.1);
    border: 1px solid rgba(181, 154, 106, 0.2);
    border-radius: 10px;
    color: var(--secondary-color);
    font-size: 1rem;
    flex-shrink: 0;
    transition: all 0.3s ease;
}

.footer-modern .footer-contact li:hover .contact-icon {
    background: var(--gradient-secondary);
    border-color: var(--secondary-color);
    color: #fff;
    transform: scale(1.1);
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
    flex: 1;
}

.contact-details a {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.95rem;
    text-decoration: none;
    transition: all 0.3s ease;
    line-height: 1.5;
}

.contact-details a:hover {
    color: var(--white);
    transform: translateX(3px);
}

.footer-bottom {
    margin-top: 3rem;
}

.footer-divider {
    width: 100%;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent);
    margin-bottom: 2rem;
}

.footer-credits {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
    padding-bottom: 40px;
}

.footer-credits p {
    color: rgba(255, 255, 255, 0.75);
    margin: 0;
    font-size: 15px;
}

.footer-credits p a {
    color: #ffffff;
    text-decoration: none;
    font-weight: 600;
    transition: color 0.3s ease;
}

.footer-credits p a:hover {
    color: var(--secondary-color);
}

.footer-credits .made-by {
    color: rgba(255, 255, 255, 0.65);
    font-size: 14px;
}

.footer-credits .made-by a {
    color: var(--secondary-color);
    font-weight: 600;
    text-decoration: none;
    transition: all 0.3s ease;
}

.footer-credits .made-by a:hover {
    color: #ffffff;
    text-decoration: underline;
}

@keyframes pulseGlow {

    0%,
    100% {
        transform: scale(1);
        opacity: 0.5;
    }

    50% {
        transform: scale(1.1);
        opacity: 0.8;
    }
}

/* ========== HERO (Sandesh-style: banner + overlay + cards) ========== */
.hero-modern {
    position: relative;
    min-height: 90vh;
    display: flex;
    align-items: center;
    padding: 160px 0 80px;
    overflow: hidden;
    background: linear-gradient(135deg, rgba(10, 14, 39, 0.88) 0%, rgba(26, 31, 58, 0.85) 50%, rgba(15, 20, 25, 0.88) 100%),
        url('images/banner.webp');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    background-attachment: fixed;
}

.hero-modern-background {
    position: absolute;
    inset: 0;
    z-index: 1;
    overflow: hidden;
}

.hero-modern-background .bg-gradient {
    position: absolute;
    top: -50%;
    right: -20%;
    width: 800px;
    height: 800px;
    background: radial-gradient(circle, rgba(181, 154, 106, 0.18) 0%, transparent 70%);
    border-radius: 50%;
    animation: heroPulseGlow 4s ease-in-out infinite;
}

.hero-modern-background .bg-pattern {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.02) 1px, transparent 1px);
    background-size: 50px 50px;
    opacity: 0.5;
}

@keyframes heroPulseGlow {

    0%,
    100% {
        transform: scale(1);
        opacity: 0.5;
    }

    50% {
        transform: scale(1.1);
        opacity: 0.8;
    }
}

.hero-modern-container {
    position: relative;
    z-index: 2;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 2rem;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

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

.hero-modern-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.85rem 1.75rem;
    background: rgba(255, 255, 255, 0.06);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 50px;
    color: rgba(255, 255, 255, 0.95);
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: 2.5rem;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.2);
    animation: heroFadeInUp 0.7s ease-out both;
}

.hero-modern-badge:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(181, 154, 106, 0.5);
    transform: translateY(-3px);
    box-shadow: 0 12px 32px rgba(181, 154, 106, 0.2);
}

.hero-modern-badge i {
    color: var(--secondary-color);
    font-size: 1.1rem;
    animation: heroPulse 2s ease-in-out infinite;
}

@keyframes heroPulse {

    0%,
    100% {
        transform: scale(1);
        opacity: 1;
    }

    50% {
        transform: scale(1.1);
        opacity: 0.8;
    }
}

.hero-modern-title {
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1.5rem;
    color: var(--white);
    letter-spacing: -1px;
    animation: heroFadeInUp 0.7s ease-out 0.1s both;
}

.title-highlight {
    background: var(--gradient-secondary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-modern-description {
    font-size: clamp(1rem, 1.5vw, 1.2rem);
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 3rem;
    max-width: 600px;
    animation: heroFadeInUp 0.7s ease-out 0.2s both;
}

.hero-modern-actions {
    display: flex;
    gap: 1.5rem;
    flex-wrap: wrap;
    animation: heroFadeInUp 0.7s ease-out 0.35s both;
}

.btn-modern {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    padding: 1rem 2rem;
    font-size: 1rem;
    font-weight: 600;
    border-radius: 12px;
    transition: all 0.3s ease;
    text-decoration: none;
    position: relative;
    overflow: hidden;
}

.btn-modern::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent);
    transition: left 0.5s ease;
}

.btn-modern:hover::before {
    left: 100%;
}

.btn-primary {
    background: var(--gradient-secondary);
    color: var(--white);
    box-shadow: 0 4px 20px rgba(181, 154, 106, 0.35);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 30px rgba(181, 154, 106, 0.45);
}

.btn-secondary {
    background: rgba(255, 255, 255, 0.1);
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.25);
    backdrop-filter: blur(10px);
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.15);
    border-color: var(--secondary-color);
    transform: translateY(-2px);
}

.btn-modern i {
    transition: transform 0.3s ease;
}

.btn-primary:hover i {
    transform: translateX(5px);
}

.hero-modern-visual {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    position: relative;
}

.visual-card {
    background: rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 20px;
    padding: 2rem;
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
}

.visual-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-secondary);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

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

.visual-card:hover {
    transform: translateY(-10px);
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(181, 154, 106, 0.35);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
}

.card-icon {
    width: 60px;
    height: 60px;
    background: var(--gradient-secondary);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
    box-shadow: 0 4px 15px rgba(181, 154, 106, 0.35);
}

.card-icon i {
    color: var(--white);
    font-size: 1.5rem;
}

.card-content h3 {
    color: var(--white);
    font-size: 1.2rem;
    margin-bottom: 0.5rem;
}

.card-content p {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.9rem;
    margin: 0;
}

@keyframes heroFadeInUp {
    from {
        opacity: 0;
        transform: translateY(28px);
    }

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

/* ========== ABOUT OUR COMPANY (Sandesh style) ========== */
.about-company-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    max-width: 1400px;
    margin: 0 auto;
}

.about-company-visual {
    position: relative;
}

.about-visual-inner.about-layers {
    position: relative;
    min-height: 380px;
    max-width: 100%;
}

.about-layer {
    position: relative;
    display: block;
}

.about-layer-inner {
    overflow: hidden;
    position: relative;
    border-radius: 12px;
}

.about-layer-inner img {
    width: 100%;
    height: auto;
    display: block;
    border-radius: 12px;
    transition: transform 0.3s ease;
}

/* Sandesh-style layer positioning */
.about-layer-1 {
    width: 437px;
    max-width: 100%;
    z-index: 1;
}

.about-layer-2 {
    position: absolute;
    width: 350px;
    max-width: 50%;
    top: 350px;
    right: 10px;
    z-index: 2;
}

.about-layer-2 .about-layer-inner img {
    border: 6px solid var(--white);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);
}

/* Image hover shine (Sandesh style) */
.section#about .image-hover-effect-shine::before {
    position: absolute;
    top: 0;
    left: -100%;
    display: block;
    content: '';
    width: 50%;
    height: 100%;
    background: linear-gradient(to right, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 0.3) 100%);
    transform: skewX(-25deg);
    transition: left 0.6s ease;
    z-index: 1;
}

.section#about .image-hover-effect-shine:hover::before {
    left: 100%;
}

.about-company-content {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.about-company-text {
    font-size: 1.05rem;
    line-height: 1.8;
    color: var(--medium-gray);
}

.about-company-text p {
    margin: 0 0 1rem 0;
}

.about-company-text p:last-child {
    margin-bottom: 0;
}

.about-company-actions-wrapper {
    margin-top: 0.5rem;
}

.about-company-actions-left {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.about-company-list {
    margin: 0;
}

.section#about .tm-sc-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem 2rem;
}

.section#about .tm-sc-list li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    transition: all 0.3s ease;
}

.section#about .tm-sc-list li i {
    color: var(--secondary-color);
    font-size: 1.2rem;
    flex-shrink: 0;
    transition: transform 0.3s ease;
}

.section#about .tm-sc-list li:hover i {
    transform: rotate(360deg);
}

.section#about .tm-sc-list li span {
    font-size: 1rem;
    color: var(--dark-gray);
    font-weight: 500;
}

.btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    transition: all 0.3s ease;
}

/* Button: Sandesh-style (theme-btn + btn-style5) */
.theme-btn {
    display: inline-flex;
    gap: 8px;
    justify-content: center;
    text-align: center;
    white-space: nowrap;
    transition: all 300ms ease;
    text-decoration: none;
}

.btn-style5 {
    align-items: center;
    background-color: var(--primary-color);
    border-radius: 30px;
    color: var(--white);
    display: inline-flex;
    font-weight: 700;
    height: 56px;
    overflow: hidden;
    position: relative;
    text-transform: uppercase;
    transition: all 400ms ease;
    z-index: 0;
}

.btn-style5 .left-arrow {
    left: 7px;
    transform: scale(0);
    position: absolute;
}

.btn-style5 .btn-title {
    color: var(--white);
    font-weight: 700;
    font-size: 16px;
    line-height: 30px;
    padding: 0px 70px 0 26px;
    text-transform: uppercase;
    transition: all 400ms ease;
}

.btn-style5 .left-arrow,
.btn-style5 .right-arrow {
    background-color: rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    color: var(--white);
    font-size: 10px;
    height: 40px;
    line-height: 40px;
    position: absolute;
    text-align: center;
    width: 40px;
    transition: all 400ms ease;
    display: flex;
    align-items: center;
    justify-content: center;
}

.btn-style5 .right-arrow {
    left: auto;
    right: 7px;
    transform: scale(1);
}

.btn-style5:hover .left-arrow {
    transform: scale(1);
}

.btn-style5:hover .btn-title {
    transform: translateX(37px);
}

.btn-style5:hover .right-arrow {
    transform: scale(0);
}

.home-loans-header {
    margin-bottom: 3.5rem;
}

.home-loans-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
}

.section#explore-loans .loan-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
    transition: all 0.4s ease;
    display: flex;
    flex-direction: column;
    height: 100%;
    overflow: hidden;
}

.section#explore-loans .loan-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 50px rgba(0, 0, 0, 0.12);
}

.section#explore-loans .loan-card-image {
    position: relative;
    height: 250px;
    overflow: hidden;
}

.section#explore-loans .loan-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.4s ease;
}

.section#explore-loans .loan-card:hover .loan-card-image img {
    transform: scale(1.08);
}

.section#explore-loans .loan-card-content {
    padding: 2rem 2.25rem;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.section#explore-loans .loan-card-content h3 {
    font-size: 1.5rem;
    color: var(--primary-color);
    margin-bottom: 1rem;
    font-weight: 700;
}

.section#explore-loans .loan-card-desc {
    font-size: 1rem;
    color: var(--dark-gray);
    line-height: 1.7;
    margin-bottom: 1.5rem;
    flex-grow: 0;
}

.section#explore-loans .loan-card-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.875rem 1.75rem;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: var(--radius-md);
    font-weight: 600;
    font-size: 0.95rem;
    text-decoration: none;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(34, 58, 95, 0.25);
    align-self: flex-start;
}

.section#explore-loans .loan-card-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 22px rgba(34, 58, 95, 0.35);
}

.section#explore-loans .loan-card-btn i {
    font-size: 0.85rem;
    transition: transform 0.3s ease;
}

.section#explore-loans .loan-card-btn:hover i {
    transform: translateX(4px);
}

/* ========== FINANCIAL CALCULATOR (same as Kalakal) ========== */
.emi-calculator-section {
    position: relative;
    padding: 100px 0;
    background-image: url('images/banner.webp');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
}

.emi-calculator-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(15, 15, 15, 0.85) 0%, rgba(26, 26, 26, 0.80) 50%, rgba(15, 15, 15, 0.85) 100%),
        radial-gradient(circle at 20% 30%, rgba(34, 58, 95, 0.15) 0%, transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(181, 154, 106, 0.12) 0%, transparent 50%);
    z-index: 0;
}

.emi-calculator-section .container {
    position: relative;
    z-index: 1;
}

.emi-calculator-section .section-title-main {
    background: linear-gradient(135deg, #ffffff 0%, var(--secondary-color) 100%);
    -webkit-background-clip: text;
}

.partners-rows-wrapper {
    margin-top: 3rem;
    display: flex;
    flex-direction: column;
}

.partners-scroll-wrapper {
    position: relative;
    width: 100%;
    overflow: hidden;
    padding: 0.5rem 0;
}

.partners-scroll-track {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    will-change: transform;
}

/* Row 1: Right to Left (Normal) */
.partners-row-1 .partners-scroll-track {
    animation: scrollPartnersRightToLeft 30s linear infinite;
}

/* Row 2: Left to Right (Reverse) */
.partners-row-2 .partners-scroll-track {
    animation: scrollPartnersLeftToRight 30s linear infinite;
}

/* Row 3: Right to Left (Normal) */
.partners-row-3 .partners-scroll-track {
    animation: scrollPartnersRightToLeft 30s linear infinite;
}

.partners-scroll-item {
    flex-shrink: 0;
}

.bank-box {
    padding: 1.5rem 2rem;
    background: var(--white);
    border: 1px solid #e8e8e8;
    border-radius: 12px;
    transition: all 0.3s ease;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    height: 100px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
}

.bank-box:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.12);
    border-color: var(--secondary-color);
}

.bank-box img {
    max-width: 160px;
    max-height: 60px;
    width: auto;
    height: auto;
    object-fit: contain;
    display: block;
    transition: all 0.3s ease;
}

.bank-box:hover img {
    filter: grayscale(0%);
    opacity: 1;
}

/* Smooth Continuous Animation - Right to Left */
@keyframes scrollPartnersRightToLeft {
    0% {
        transform: translateX(0);
    }

    100% {
        transform: translateX(-50%);
    }
}

/* Smooth Continuous Animation - Left to Right */
@keyframes scrollPartnersLeftToRight {
    0% {
        transform: translateX(-50%);
    }

    100% {
        transform: translateX(0);
    }
}

/* Pause animation on hover */
.partners-scroll-wrapper:hover .partners-scroll-track {
    animation-play-state: paused;
}

.emi-calculator-header {
    margin-bottom: 3rem;
    text-align: center;
}

.emi-calculator-section .section-title-wrapper {
    max-width: 720px;
    margin: 0 auto;
}

.emi-calculator-section .sub-title-outer {
    /* uses shared .section header styles */
    margin-bottom: 10px;
    display: inline-block;
}

.emi-calculator-section .section-description {
    font-size: 1.05rem;
    line-height: 1.7;
    color: rgba(255, 255, 255, 0.85);
    margin: 0;
}

.emi-calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    margin-top: 3rem;
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 3rem;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
    max-width: 100%;
}

.emi-results {
    display: flex;
    flex-direction: column;
    gap: 2rem;
    background: var(--off-white);
    border-radius: 9px;
    padding: 15px 15px;
}

.emi-display {
    background: linear-gradient(135deg, rgba(34, 58, 95, 0.1) 0%, rgba(181, 154, 106, 0.1) 100%);
    padding: 0.7rem 1rem;
    border-radius: var(--radius-lg);
    text-align: center;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
    flex-wrap: wrap;
}

.emi-display p {
    color: var(--dark-gray);
    font-size: 1rem;
    margin: 0;
}

.emi-amount {
    color: var(--primary-color);
    font-size: 2.5rem;
    font-weight: 700;
    margin: 0;
}

.emi-breakdown {
    display: flex;
    flex-direction: column;
}

.breakdown-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 0.5rem 0;
    border-bottom: 1px solid var(--light-gray);
}

.breakdown-item:last-child {
    border-bottom: none;
}

.breakdown-left {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.breakdown-icon {
    width: 16px;
    height: 16px;
    border-radius: 3px;
    flex-shrink: 0;
}

/* EMI legend dot colours — replaces inline style attributes */
.breakdown-icon--interest {
    background: #dfae45;
}

.breakdown-icon--principal {
    background: #223A5F;
}

.breakdown-icon--total {
    background: linear-gradient(90deg, #223A5F 0%, #223A5F 50%, #dfae45 50%, #dfae45 100%);
}

.breakdown-label {
    color: var(--dark-gray);
    font-size: 1rem;
    font-weight: 400;
}

.breakdown-value {
    color: var(--dark-gray);
    font-size: 1.25rem;
    font-weight: 700;
    text-align: right;
}

.emi-chart {
    width: 100%;
    max-width: 300px;
    margin: 0 auto;
}

.emi-chart canvas {
    max-width: 250px;
    width: 100% !important;
    height: auto !important;
    margin-top: -80px;
    margin-bottom: -70px;
    position: relative;
    z-index: 10;
}

.btn-apply {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
    padding: 1.2rem 3rem;
    background: var(--accent-gold);
    color: var(--dark-gray);
    border-radius: var(--radius-md);
    font-weight: 600;
    font-size: 1.1rem;
    text-decoration: none;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(254, 182, 1, 0.3);
}

.btn-apply:hover {
    background: #ffcc33;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(254, 182, 1, 0.4);
}

.btn-apply i {
    transition: transform 0.3s ease;
}

.btn-apply:hover i {
    transform: translateX(5px);
}

.emi-inputs {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.emi-calculator-section .input-group {
    display: grid;
    grid-template-columns: 150px 1fr;
    gap: 1.5rem;
    align-items: center;
}

.emi-calculator-section .input-group label {
    color: var(--dark-gray);
    font-weight: 600;
    font-size: 1rem;
    text-align: left;
}

.emi-calculator-section .input-with-unit {
    display: flex;
    align-items: center;
    position: relative;
    justify-self: end;
    width: 100%;
    max-width: 280px;
}

.emi-calculator-section .input-with-unit input {
    width: 100%;
    padding: 1rem 1.5rem;
    border: 1px solid var(--light-gray);
    border-radius: var(--radius-md);
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--dark-gray);
    background: var(--white);
    text-align: left;
}

.emi-calculator-section .input-with-unit:has(.unit) input {
    padding-right: 5rem;
}

.emi-calculator-section .input-with-unit .unit {
    position: absolute;
    right: 1.5rem;
    font-weight: 600;
    color: var(--dark-gray);
    pointer-events: none;
    font-size: 1.1rem;
}

.emi-calculator-section .input-group input[type="range"] {
    grid-column: 1 / -1;
}

.emi-calculator-section .input-group .slider-labels {
    grid-column: 1 / -1;
    display: flex;
    justify-content: space-between;
    font-size: 0.85rem;
    color: var(--medium-gray);
}

.emi-calculator-section input[type="range"] {
    width: 100%;
    height: 8px;
    border-radius: 5px;
    background: var(--light-gray);
    outline: none;
    appearance: none;
    -webkit-appearance: none;
}

.emi-calculator-section input[type="range"]::-webkit-slider-thumb {
    appearance: none;
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary-color);
    cursor: pointer;
    border: 3px solid var(--white);
    box-shadow: 0 2px 8px rgba(34, 58, 95, 0.3);
    margin-top: -9px;
    position: relative;
}

.emi-calculator-section input[type="range"]::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary-color);
    cursor: pointer;
    border: 3px solid var(--white);
    box-shadow: 0 2px 8px rgba(34, 58, 95, 0.3);
    position: relative;
}

.emi-calculator-section input[type="range"]::-webkit-slider-runnable-track {
    height: 8px;
    border-radius: 5px;
}

.emi-calculator-section input[type="range"]::-moz-range-track {
    height: 8px;
    border-radius: 5px;
    background: var(--light-gray);
}

/* ========== CTA SECTION (Sandesh exact styles) ========== */
.cta-section {
    padding: 120px 0;
    background: linear-gradient(135deg, #0a0e27 0%, #1a1f3a 50%, #0f1419 100%);
    position: relative;
    overflow: hidden;
}

.cta-background {
    position: absolute;
    inset: 0;
    z-index: 0;
    overflow: hidden;
}

.cta-shape {
    position: absolute;
    border-radius: 50%;
    filter: blur(60px);
    opacity: 0.3;
    animation: floatShape 8s ease-in-out infinite;
}

.cta-shape-1 {
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(255, 107, 53, 0.4) 0%, transparent 70%);
    top: -10%;
    left: -5%;
    animation-delay: 0s;
}

.cta-shape-2 {
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(25, 118, 210, 0.3) 0%, transparent 70%);
    bottom: -10%;
    right: -5%;
    animation-delay: 2s;
}

.cta-shape-3 {
    width: 250px;
    height: 250px;
    background: radial-gradient(circle, rgba(255, 107, 53, 0.25) 0%, transparent 70%);
    top: 50%;
    right: 10%;
    animation-delay: 4s;
}

.cta-pattern-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: 50px 50px;
    opacity: 0.4;
}

@keyframes floatShape {

    0%,
    100% {
        transform: translate(0, 0) scale(1);
    }

    50% {
        transform: translate(30px, -30px) scale(1.1);
    }
}

.cta-wrapper {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    max-width: 900px;
    margin: 0 auto;
}

.cta-content {
    color: var(--white);
    text-align: center;
    width: 100%;
}

.cta-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.75rem 1.5rem;
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 50px;
    color: var(--white);
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 2rem;
    transition: all 0.3s ease;
}

.cta-badge:hover {
    background: rgba(255, 255, 255, 0.15);
    border-color: var(--primary-color);
    transform: translateY(-2px);
}

.cta-badge i {
    color: var(--primary-color);
    font-size: 1rem;
}

.cta-badge-icon {
    font-size: 1.2rem;
    color: var(--secondary-color);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-right: 0.4rem;
    animation: sparkle 2s ease-in-out infinite;
}

.cta-badge-icon i {
    color: var(--secondary-color);
    font-size: 1rem;
    display: inline-block;
}

@keyframes sparkle {

    0%,
    100% {
        transform: scale(1) rotate(0deg);
        opacity: 1;
    }

    50% {
        transform: scale(1.2) rotate(180deg);
        opacity: 0.8;
    }
}

.cta-title {
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 700;
    line-height: 1.2;
    color: var(--white);
    margin-bottom: 1.5rem;
    letter-spacing: -0.5px;
}

.cta-title .title-line-1 {
    display: block;
}

.cta-title .title-line-2 {
    display: block;
    background: var(--gradient-secondary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.cta-description {
    font-size: 1.1rem;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 2.5rem;
    max-width: 100%;
}

.cta-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    align-items: center;
    margin-top: 0.5rem;
    flex-wrap: wrap;
}

/* CTA buttons moved to .btn-modern styles; removed legacy .cta-btn rules */


/* ========== FAQ SECTION ========== */
.faq-section {
    padding: 80px 0;
    background: linear-gradient(180deg, rgba(246, 247, 249, 0.6), rgba(255, 255, 255, 0.95));
}

.faq-grid {
    max-width: 980px;
    margin: 2.25rem auto 0;
    display: grid;
    gap: 1rem;
}

.faq-item {
    background: var(--white);
    border: 1px solid var(--light-gray);
    border-radius: 12px;
    padding: 0.5rem;
    overflow: hidden;
    box-shadow: 0 6px 18px rgba(34, 58, 95, 0.04);
}

.faq-item summary {
    list-style: none;
    cursor: pointer;
    padding: 1rem 1.25rem;
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--primary-color);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    border-radius: 8px;
    outline: none;
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary:focus {
    box-shadow: 0 0 0 4px rgba(34, 58, 95, 0.06);
}

.faq-item summary .faq-toggle-icon {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--primary-light);
    color: var(--primary-color);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    transition: transform var(--transition-fast);
    flex-shrink: 0;
}

.faq-item[open] summary .faq-toggle-icon {
    transform: rotate(180deg);
}

.faq-item summary .faq-toggle-icon::after {
    content: '+';
    display: inline-block;
    font-size: 1.1rem;
    line-height: 1;
}

.faq-item[open] summary .faq-toggle-icon::after {
    content: '−';
}

.faq-answer {
    padding: 0 1.25rem 1rem;
    color: var(--dark-gray);
    font-size: 1rem;
    line-height: 1.7;
    overflow: hidden;
    max-height: 0;
    transition: max-height 0.35s ease, padding 0.25s ease;
}

.faq-item[open] .faq-answer {
    padding-top: 0.75rem;
    max-height: 400px;
    /* reasonable max; JS will adjust for content height */
}




/* ========== TESTIMONIALS ========== */
#testimonials .testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.75rem;
    margin-top: 2.5rem;
    align-items: stretch;
}

.testimonial {
    position: relative;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.9), rgba(250, 250, 252, 0.95));
    border-radius: 16px;
    padding: 1.75rem;
    box-shadow: 0 14px 40px rgba(18, 38, 63, 0.06);
    display: flex;
    flex-direction: column;
    gap: 1rem;
    min-height: 180px;
    transition: transform 0.35s cubic-bezier(.2, .9, .3, 1), box-shadow 0.35s ease;
    border-left: 6px solid var(--secondary-color);
    overflow: hidden;
}

.testimonial::before {
    content: "“";
    position: absolute;
    top: -10px;
    left: 12px;
    font-size: 4.5rem;
    color: var(--primary-color);
    opacity: 0.06;
    font-family: var(--font-primary);
    pointer-events: none;
}

.testimonial:hover {
    transform: translateY(-8px) scale(1.01);
    box-shadow: 0 30px 80px rgba(18, 38, 63, 0.09);
}

.testimonial-quote {
    font-style: normal;
    color: var(--dark-gray);
    font-size: 1.05rem;
    line-height: 1.7;
    flex: 1;
    position: relative;
}

.testimonial-meta {
    display: flex;
    align-items: center;
    gap: 0.9rem;
    margin-top: 0.75rem;
}

/* alternate avatar style (icon) like zefiro-money */
.testimonial-avatar-new {
    width: 56px;
    height: 56px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    background: linear-gradient(135deg, var(--secondary-color), var(--accent-gold));
    color: #fff;
    font-weight: 700;
    font-size: 0.95rem;
    box-shadow: 0 6px 18px rgba(34, 58, 95, 0.08);
}

.testimonial-avatar-new i {
    font-size: 1.05rem;
    color: #fff;
}

.testimonial-info .testimonial-name {
    display: block;
    font-weight: 700;
    color: var(--primary-color);
}

.testimonial-info .testimonial-role {
    display: block;
    font-size: 0.95rem;
    color: var(--medium-gray);
}


/* =============================================
   PAGE HERO — used on all inner pages
   (contact, about, loan pages, etc.)
============================================= */
.page-hero {
    min-height: 450px;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
    background-image: url('images/banner.webp');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    padding: 200px 0 120px;
}

.page-hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(15, 15, 15, 0.85) 0%, rgba(26, 26, 26, 0.80) 50%, rgba(15, 15, 15, 0.85) 100%),
        radial-gradient(circle at 20% 30%, rgba(34, 58, 95, 0.25) 0%, transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(223, 174, 69, 0.18) 0%, transparent 50%);
    z-index: 0;
}

.page-hero-content {
    position: relative;
    z-index: 1;
    text-align: center;
    animation: fadeInUp 0.8s ease;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }

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

.page-hero-title {
    font-size: clamp(2.5rem, 6vw, 4.5rem);
    color: var(--white);
    font-weight: 800;
    margin-bottom: 2rem;
    text-shadow: 0 4px 20px rgba(0, 0, 0, 0.5);
    letter-spacing: -0.02em;
    line-height: 1.2;
}

/* =============================================
   BREADCRUMB NAV
============================================= */
.breadcrumb-nav {
    display: inline-flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem 2rem;
    -webkit-backdrop-filter: blur(15px);
    backdrop-filter: blur(15px);
    border-radius: 50px;
    background: rgba(255, 255, 255, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.2);
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.2);
    transition: all 0.3s ease;
}

.breadcrumb-nav:hover {
    background: rgba(255, 255, 255, 0.2);
    transform: translateY(-2px);
}

.breadcrumb-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: rgba(255, 255, 255, 0.9);
    text-decoration: none;
    font-size: 0.95rem;
    font-weight: 500;
    transition: all 0.3s ease;
}

.breadcrumb-link:hover {
    color: var(--secondary-color);
    transform: translateX(-2px);
}

.breadcrumb-link i {
    color: var(--secondary-color);
    font-size: 1rem;
}

.breadcrumb-sep {
    color: rgba(255, 255, 255, 0.5);
    font-size: 1rem;
    font-weight: 300;
}

.breadcrumb-current {
    color: var(--white);
    font-size: 0.95rem;
    font-weight: 600;
}

/* =============================================
   CONTACT INFO CARDS (4-column grid)
============================================= */
.contact-info-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    margin-top: 3rem;
    margin-bottom: 4rem;
}

.contact-info-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2.25rem 1.75rem;
    text-align: center;
    box-shadow: 0 4px 20px rgba(34, 58, 95, 0.08);
    border: 1px solid rgba(34, 58, 95, 0.08);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
}

.contact-info-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: var(--gradient-primary);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

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

.contact-info-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(34, 58, 95, 0.14);
    border-color: rgba(34, 58, 95, 0.15);
}

.contact-card-icon {
    width: 68px;
    height: 68px;
    background: var(--gradient-tertiary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.25rem;
    color: var(--white);
    font-size: 1.5rem;
    transition: all 0.3s ease;
    box-shadow: 0 6px 20px rgba(34, 58, 95, 0.2);
}

.contact-info-card:hover .contact-card-icon {
    transform: scale(1.1) rotate(10deg);
}

.contact-info-card h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 0.75rem;
}

.contact-info-card p {
    font-size: 0.95rem;
    color: var(--medium-gray);
    line-height: 1.65;
    margin: 0;
}

.contact-info-card a {
    color: var(--medium-gray);
    text-decoration: none;
    transition: color 0.3s ease;
}

.contact-info-card a:hover {
    color: var(--primary-color);
}

.address-link {
    display: block;
}

/* =============================================
   CONTACT FORM WRAPPER
============================================= */
.contact-form-wrapper {
    background: var(--white);
    padding: 3rem;
    border-radius: var(--radius-lg);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
    border: 2px solid var(--light-gray);
}

.contact-form-header {
    text-align: center;
    margin-bottom: 2.5rem;
}

.contact-form-header h3 {
    font-size: 2rem;
    color: var(--dark-gray);
    margin-bottom: 0.5rem;
}

.contact-form-header p {
    font-size: 1rem;
    color: var(--medium-gray);
    margin: 0;
}

/* =============================================
   CONTACT FORM FIELDS
============================================= */
.contact-wrapper {
    margin-top: 3rem;
}

.contact-form-modern {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.form-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
}

.form-group {
    position: relative;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: var(--dark-gray);
    font-size: 0.95rem;
}

.form-control {
    width: 100%;
    padding: 0.875rem 1.25rem;
    border: 2px solid var(--light-gray);
    border-radius: var(--radius-md);
    font-size: 1rem;
    font-family: var(--font-primary);
    transition: all 0.3s ease;
    background: var(--off-white);
}

.form-control:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 4px rgba(104, 0, 185, 0.1);
    background: var(--white);
}

select.form-control {
    cursor: pointer;
}

textarea.form-control {
    resize: vertical;
    min-height: 120px;
}

/* Field error state */
.form-group.error .form-control {
    border-color: #e74c3c;
}

/* Error message: hidden by default, shown only on .form-group.error */
.error-message {
    display: none;
    color: #e74c3c;
    font-size: 0.85rem;
    margin-top: 0.5rem;
    font-weight: 500;
    min-height: 0;
}

.form-group.error .error-message {
    display: block;
}

.error-message:empty {
    display: none;
}

/* Character counter for message textarea */
.character-counter {
    font-size: 0.85rem;
    color: #999;
    margin-top: 4px;
    text-align: right;
}

.character-counter--over {
    color: #e74c3c;
}

/* =============================================
   FORM SUBMIT BUTTON
============================================= */
.form-actions {
    margin-top: 1rem;
}

.btn-submit {
    width: 100%;
    padding: 1.25rem 2rem;
    background: var(--gradient-primary);
    color: var(--white);
    border: none;
    border-radius: var(--radius-md);
    font-size: 1.1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(104, 0, 185, 0.3);
    position: relative;
    overflow: hidden;
}

.btn-submit::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 0;
    height: 0;
    background: rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    transform: translate(-50%, -50%);
    transition: width 0.6s ease, height 0.6s ease;
}

.btn-submit:hover::before {
    width: 400px;
    height: 400px;
}

.btn-submit:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(104, 0, 185, 0.4);
}

.btn-submit.loading .btn-text {
    display: none;
}

.btn-submit .btn-loader {
    display: none;
}

.btn-submit.loading .btn-loader {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

/* =============================================
   FORM FEEDBACK MESSAGES — Kalakal style
   (flex row: icon on left, text div on right)
============================================= */
.form-message {
    margin-top: 2rem;
    padding: 1.5rem;
    border-radius: var(--radius-md);
    display: none;
    align-items: center;
    gap: 1rem;
}

.form-message.show {
    display: flex;
}

.form-message i {
    font-size: 2rem;
    flex-shrink: 0;
}

.form-message h4 {
    margin: 0 0 0.25rem 0;
    font-size: 1.1rem;
}

.form-message p {
    margin: 0;
    font-size: 0.95rem;
}

.success-message {
    background: #d4edda;
    border: 2px solid #28a745;
    color: #155724;
}

.success-message i {
    color: #28a745;
}

.error-message-box {
    background: #f8d7da;
    border: 2px solid #e74c3c;
    color: #721c24;
}

.error-message-box i {
    color: #e74c3c;
}


/* =============================================
   LOGO FALLBACK — hide logo-text by default
   (JS-free, CSS-only fallback)
============================================= */
.logo-text-fallback {
    display: none;
}

/* =============================================
   PARTNER REGISTRATION FORM
============================================= */
.partner-form-wrapper {
    max-width: 900px;
    margin: 3rem auto 0;
    background: var(--white);
    padding: 3rem;
    border-radius: var(--radius-lg);
    box-shadow: 0 10px 40px rgba(34, 58, 95, 0.08);
    border: 1px solid rgba(34, 58, 95, 0.05);
}

.partner-form-modern {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

/* =============================================
   DOCUMENTS GRID
============================================= */
.documents-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.document-card {
    background: var(--white);
    padding: 2.5rem 2rem;
    border-radius: var(--radius-lg);
    text-align: center;
    border: 1px solid rgba(34, 58, 95, 0.08);
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.02);
    transition: all 0.3s ease;
}

.document-card:hover {
    border-color: var(--primary-color);
    transform: translateY(-5px);
    box-shadow: 0 12px 30px rgba(34, 58, 95, 0.12);
}

.document-icon {
    width: 70px;
    height: 70px;
    background: rgba(34, 58, 95, 0.05);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    transition: all 0.3s ease;
    color: var(--primary-color);
}

.document-card:hover .document-icon {
    background: var(--gradient-primary);
    color: var(--white);
    transform: scale(1.1);
}

.document-icon i {
    font-size: 2rem;
}

.document-card h4 {
    font-size: 1.25rem;
    color: var(--primary-color);
    margin-bottom: 0.75rem;
    font-weight: 700;
}

/* =============================================
   REQUIREMENTS GRID
============================================= */
.requirements-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.requirement-card {
    background: var(--white);
    padding: 2.5rem 2rem;
    border-radius: var(--radius-lg);
    text-align: center;
    border: 1px solid rgba(34, 58, 95, 0.08);
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.02);
    transition: all 0.3s ease;
}

.requirement-card:hover {
    border-color: var(--primary-color);
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(34, 58, 95, 0.12);
}

.requirement-icon {
    width: 70px;
    height: 70px;
    background: rgba(223, 174, 69, 0.08);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    transition: all 0.3s ease;
    color: var(--secondary-color);
}

.requirement-card:hover .requirement-icon {
    background: var(--gradient-secondary);
    color: var(--white);
    transform: scale(1.1) rotate(5deg);
}

.requirement-icon i {
    font-size: 2rem;
}

.requirement-card h3 {
    font-size: 1.35rem;
    color: var(--primary-color);
    margin-bottom: 1rem;
    font-weight: 700;
}

.requirement-card p {
    font-size: 1rem;
    color: var(--medium-gray);
    line-height: 1.7;
    margin: 0;
}


/* =============================================
   ABOUT PAGE SECTIONS
============================================= */

/* Who We Are Modern */
.who-we-are-modern {
    background: linear-gradient(135deg, var(--white) 0%, var(--primary-light) 100%);
    position: relative;
    overflow: hidden;
}

.who-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 4rem;
    align-items: center;
}

.who-left {
    position: relative;
}

.who-lead {
    font-size: 1.05rem;
    line-height: 1.8;
    color: var(--medium-gray);
    margin-bottom: 2rem;
}

.who-badges {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
    margin-bottom: 1.25rem;
}

.who-badge {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 1rem;
    background: rgba(255, 255, 255, 0.9);
    border: 1px solid rgba(34, 58, 95, 0.1);
    border-radius: 16px;
    box-shadow: 0 10px 26px rgba(34, 58, 95, 0.05);
    transition: all 0.3s ease;
    position: relative;
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
}

.who-badge:hover {
    transform: translateY(-6px);
    border-color: var(--primary-color);
    box-shadow: 0 18px 44px rgba(34, 58, 95, 0.12);
}

.who-badge::before {
    content: '';
    position: absolute;
    left: 0;
    top: 10px;
    bottom: 10px;
    width: 3px;
    border-radius: 10px;
    background: var(--gradient-secondary);
    opacity: 0.8;
    transition: width 0.3s ease;
}

.who-badge:hover::before {
    width: 5px;
}

.wb-icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(223, 174, 69, 0.1);
    color: var(--primary-color);
    font-size: 1.1rem;
    flex-shrink: 0;
    transition: all 0.3s ease;
    box-shadow: inset 0 0 0 1px rgba(34, 58, 95, 0.1);
}

.who-badge:hover .wb-icon {
    /* background: var(--gradient-primary); */
    /* color: var(--white); */
    transform: scale(1.1);
}

.wb-content h4 {
    margin: 0;
    font-size: 0.9rem;
    color: var(--primary-color);
    font-weight: 700;
}

.who-image-card {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
}

.who-image-card img {
    width: 100%;
    height: 100%;
    display: block;
    object-fit: cover;
    transition: transform 0.6s cubic-bezier(0.165, 0.84, 0.44, 1), filter 0.4s ease;
}

.who-image-card:hover img {
    transform: scale(1.08);
    filter: saturate(1.1) contrast(1.05);
}

.who-image-accent {
    position: absolute;
    bottom: -20px;
    right: -20px;
    width: 150px;
    height: 150px;
    background: var(--gradient-secondary);
    border-radius: var(--radius-lg);
    z-index: -1;
    opacity: 0.3;
}

/* Funfact Section */
.funfact-section {
    padding: 100px 0;
    background: linear-gradient(135deg, #0a0e27 0%, #1a1f3a 50%, #0f1419 100%);
    position: relative;
    overflow: hidden;
}

.funfact-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background:
        radial-gradient(circle at 20% 30%, rgba(223, 174, 69, 0.05) 0%, transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(34, 58, 95, 0.08) 0%, transparent 50%);
    z-index: 0;
    pointer-events: none;
}

.funfact-wrapper {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 5rem;
    align-items: center;
    position: relative;
    z-index: 1;
}

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

.funfact-description {
    font-size: 1.05rem;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.8);
    margin: 0;
}

.funfact-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

.funfact-card {
    background: rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 20px;
    padding: 2.5rem 1.5rem;
    text-align: center;
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
}

.funfact-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background: var(--gradient-secondary);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

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

.funfact-card:hover {
    transform: translateY(-10px);
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(223, 174, 69, 0.3);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2);
}

.funfact-icon {
    margin-bottom: 1.5rem;
    display: inline-block;
}

.funfact-icon i {
    font-size: 2.5rem;
    color: var(--secondary-color);
    transition: all 0.4s ease;
}

.funfact-card:hover .funfact-icon i {
    transform: scale(1.1) rotate(5deg);
}

.funfact-counter {
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--white);
    line-height: 1;
    margin: 0 0 1rem 0;
    font-family: var(--font-primary);
}

.funfact-title-wrapper {
    margin-top: 0.5rem;
}

.funfact-title {
    font-size: 1rem;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.9);
    margin: 0;
    line-height: 1.4;
}

/* Moving Text Section */
.moving-text-section {
    padding: 0;
    background: var(--gradient-primary);
    position: relative;
    overflow: hidden;
}

.moving-text-wrapper {
    padding: 0;
    margin: 0;
}

.tm-marquee-parent {
    overflow: hidden;
    width: 100%;
    padding: 22px 0;
}

.tm-marquee-repeater {
    position: relative;
    --tm-marquee-animation-duration: 80s;
    --gap: 0px;
    display: flex;
    user-select: none;
    gap: var(--gap);
}

.tm-marquee-repeater .tm-marquee-group {
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: space-around;
    gap: var(--gap);
    min-width: 100%;
    animation: scroll_text var(--tm-marquee-animation-duration) linear infinite;
}

.tm-marquee-repeater .text {
    position: relative;
    color: var(--white);
    font-size: clamp(16px, 2vw, 24px);
    font-weight: 700;
    line-height: 1.3;
    padding: 0 40px;
    text-transform: uppercase;
    display: flex;
    align-items: center;
    justify-content: center;
    white-space: nowrap;
    font-family: var(--font-primary);
    letter-spacing: 1px;
}

.tm-marquee-repeater .text i {
    margin-right: 15px;
    font-size: 0.8em;
    color: var(--accent-gold);
}

@keyframes scroll_text {
    from {
        transform: translateX(0);
    }

    to {
        transform: translateX(-100%);
    }
}


/* Why Choose Us Grid */
.why-choose-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.why-choose-card {
    background: var(--white);
    padding: 3rem 2rem;
    border-radius: var(--radius-lg);
    border: 1px solid rgba(34, 58, 95, 0.08);
    position: relative;
    transition: all 0.4s ease;
}

.why-choose-card:hover {
    transform: translateY(-10px);
    border-color: var(--primary-color);
    box-shadow: 0 15px 35px rgba(34, 58, 95, 0.12);
}

.why-choose-number {
    position: absolute;
    top: 1.5rem;
    right: 1.5rem;
    font-size: 3.5rem;
    font-weight: 800;
    color: var(--primary-color);
    opacity: 0.05;
}

.why-choose-icon {
    width: 70px;
    height: 70px;
    background: rgba(34, 58, 95, 0.05);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary-color);
    font-size: 2rem;
    margin-bottom: 2rem;
    transition: all 0.3s ease;
}

.why-choose-card:hover .why-choose-icon {
    background: var(--gradient-primary);
    color: var(--white);
    transform: scale(1.1);
}

.why-choose-card h3 {
    font-size: 1.4rem;
    color: var(--primary-color);
    margin-bottom: 1rem;
    font-weight: 700;
}

/* Mission & Vision */
.mission-vision-wrapper {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 3rem;
    margin-top: 4rem;
}

.mission-vision-card {
    background: var(--white);
    padding: 3.5rem;
    border-radius: var(--radius-lg);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
    border: 1px solid rgba(0, 0, 0, 0.05);
    transition: all 0.4s ease;
}

.mission-vision-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 50px rgba(34, 58, 95, 0.1);
}

.mv-icon {
    width: 80px;
    height: 80px;
    background: var(--gradient-primary);
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 2rem;
    margin-bottom: 2rem;
    box-shadow: 0 10px 20px rgba(34, 58, 95, 0.2);
}

.mission-vision-card h3 {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary-color);
    margin-bottom: 1.5rem;
}

.mv-list {
    list-style: none;
    padding: 0;
    margin-top: 2rem;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.mv-list li {
    display: flex;
    align-items: center;
    gap: 1rem;
    color: var(--medium-gray);
    font-weight: 500;
}

.mv-list li i {
    color: var(--secondary-color);
}

/* Core Values Grid */
.core-values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2.5rem;
    margin-top: 3rem;
}

.core-value-card {
    background: var(--white);
    padding: 3rem 2rem;
    border-radius: var(--radius-lg);
    text-align: center;
    border: 1px solid rgba(0, 0, 0, 0.05);
    transition: all 0.4s ease;
}

.core-value-card:hover {
    transform: translateY(-10px);
    border-color: var(--primary-color);
    box-shadow: 0 15px 40px rgba(34, 58, 95, 0.1);
}

.cv-icon-circle {
    width: 90px;
    height: 90px;
    background: rgba(223, 174, 69, 0.08);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 2rem;
    color: var(--secondary-color);
    font-size: 2.5rem;
    transition: all 0.4s ease;
}

.core-value-card:hover .cv-icon-circle {
    background: var(--gradient-secondary);
    color: var(--white);
    transform: rotateY(360deg);
}

.core-value-card h3 {
    color: var(--primary-color);
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

/* ========== RESPONSIVE — All Breakpoints (consolidated) ========== */
/* Order: 1024px → 768px → 480px ========================================== */
/* ── Tablet / Large Mobile (≤ 1024px) ── */
@media (max-width: 1024px) {

    /* Partner Sections */
    .documents-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }

    .requirements-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }

    /* About Sections */
    .who-grid {
        gap: 2.5rem;
    }

    .who-badges {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .funfact-wrapper {
        grid-template-columns: 1fr;
        gap: 3rem;
        text-align: center;
    }

    .funfact-content .section-title-wrapper {
        text-align: center !important;
    }

    .funfact-cards {
        gap: 1.5rem;
    }


    .why-choose-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .mission-vision-wrapper {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .core-values-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    /* Hero */
    .hero-modern-container {
        grid-template-columns: 1fr;
        gap: 3rem;
        text-align: center;
    }

    .hero-modern-description {
        max-width: 100%;
        margin-left: auto;
        margin-right: auto;
    }

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

    .visual-card {
        display: flex;
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    /* Sections */
    .section#about .subtitle::before {
        right: -50px;
        width: 35px;
        bottom: 11px;
    }

    .section#explore-loans .subtitle::before {
        right: -50px;
        width: 35px;
        bottom: 11px;
    }

    .home-loans-grid {
        grid-template-columns: 1fr;
        gap: 1.75rem;
    }

    /* EMI Calculator */

    .emi-calculator-section .subtitle::before {
        right: -50px;
        width: 35px;
        bottom: 11px;
    }

    .emi-calculator-wrapper {
        grid-template-columns: 1fr;
        gap: 2rem;
        padding: 2rem;
    }

    .emi-results {
        order: 2;
    }

    .emi-inputs {
        order: 1;
    }

    /* Process */
    .process-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }

    /* Testimonials */
    #testimonials .testimonials-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    /* Contact */
    .contact-info-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

/* ── Mobile (≤ 768px) ── */
@media (max-width: 768px) {

    /* Navigation */
    .nav-container {
        padding: 1rem 1.5rem;
    }

    .logo-img {
        height: 77px;
    }

    .nav-menu {
        position: fixed;
        top: 107px;
        right: -100%;
        width: 80%;
        height: calc(100vh - 107px);
        background: linear-gradient(to bottom, rgba(255, 255, 255, 0.98), rgba(255, 255, 255, 0.95));
        backdrop-filter: blur(10px);
        flex-direction: column;
        padding: 2rem 1.5rem;
        box-shadow: 0 8px 30px rgba(0, 0, 0, 0.15);
        transition: var(--transition-normal);
        overflow-y: auto;
        gap: 0.5rem;
    }

    .nav-menu.active {
        right: 0;
    }

    .nav-item {
        width: 100%;
    }

    .nav-link {
        width: 100%;
        padding: 1rem 1.25rem;
        justify-content: flex-start;
    }

    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.3s ease;
        border: none;
        background: rgba(26, 84, 144, 0.03);
        border-radius: var(--radius-md);
        min-width: 100%;
        padding: 0;
    }

    .dropdown-menu::before {
        display: none;
    }

    .dropdown.active .dropdown-menu {
        max-height: 1000px;
        border: 1px solid rgba(26, 84, 144, 0.1);
        padding: 0.75rem;
        margin-top: 0.5rem;
    }

    .dropdown-item {
        white-space: normal;
        padding: 0.75rem 1rem;
        font-size: 0.9rem;
    }

    .menu-toggle {
        display: flex;
    }

    .menu-toggle.active {
        background: var(--primary-color);
        border-color: var(--primary-color);
    }

    .menu-toggle.active span {
        background: var(--white);
    }

    .menu-toggle.active span:nth-child(1) {
        transform: rotate(45deg) translate(7px, 7px);
    }

    .menu-toggle.active span:nth-child(2) {
        opacity: 0;
        transform: translateX(20px);
    }

    .menu-toggle.active span:nth-child(3) {
        transform: rotate(-45deg) translate(7px, -7px);
    }

    /* Footer */
    .footer-top {
        grid-template-columns: 1fr;
        gap: 3rem;
    }

    .footer-links-section {
        grid-template-columns: 1fr 1fr;
        gap: 2rem;
    }

    /* Hero Home */
    .hero-modern {
        min-height: auto;
        padding: 140px 0 60px;
        background-attachment: scroll;
    }

    .hero-modern-container {
        grid-template-columns: 1fr;
        gap: 3rem;
        text-align: center;
    }

    .hero-modern-content {
        text-align: center;
    }

    .hero-modern-description {
        max-width: 100%;
        margin-left: auto;
        margin-right: auto;
    }

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

    .hero-modern-visual {
        grid-template-columns: 1fr;
    }

    .visual-card {
        padding: 1.5rem;
        display: flex;
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    /* About */
    .about-company-wrapper {
        grid-template-columns: 1fr;
        gap: 3rem;
    }

    .about-company-visual {
        order: -1;
    }

    .section#about .tm-sc-list {
        grid-template-columns: 1fr;
    }

    .section .subtitle::before {
        right: -50px;
        width: 35px;
        bottom: 11px;
    }

    .about-layer-2 {
        right: 0;
        top: 380px;
        max-width: 50%;
    }

    .who-badges {
        grid-template-columns: 1fr;
    }

    .funfact-section {
        padding: 60px 0;
    }

    .funfact-cards {
        grid-template-columns: 1fr;
    }

    .funfact-card {
        padding: 2rem 1rem;
    }

    .funfact-counter {
        font-size: 2rem;
    }

    .tm-marquee-parent {
        padding: 15px 0;
    }

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

    /* Explore Loans */
    .home-loans-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .section#explore-loans .loan-card-image {
        height: 220px;
    }

    .section#explore-loans .loan-card-content {
        padding: 1.75rem;
    }

    /* EMI Calculator */
    .emi-calculator-section {
        background-attachment: scroll;
    }

    .emi-calculator-wrapper {
        padding: 1.5rem;
    }

    .emi-calculator-section .input-group {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .emi-calculator-section .input-with-unit {
        max-width: 100%;
        justify-self: stretch;
    }

    /* Process */
    .process-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .process-step {
        padding: 2rem 1.5rem;
    }

    .step-number {
        width: 55px;
        height: 55px;
        font-size: 1.75rem;
    }

    .step-title {
        font-size: 1.25rem;
    }

    .step-description {
        font-size: 0.95rem;
    }

    /* FAQ */
    .faq-section {
        padding: 60px 0;
    }

    .faq-grid {
        padding: 0 1rem;
        gap: 0.75rem;
    }

    .faq-item summary {
        font-size: 1rem;
        padding: 0.9rem 1rem;
    }

    /* Testimonials */
    #testimonials .testimonials-grid {
        grid-template-columns: 1fr;
        gap: 1.25rem;
    }

    .testimonial {
        min-height: auto;
    }

    /* Page Hero (inner pages) */
    .page-hero {
        min-height: 400px;
        padding: 160px 0px 90px;
        background-attachment: scroll;
    }

    .page-hero-title {
        font-size: 3rem;
        margin-bottom: 1.75rem;
    }

    .breadcrumb-nav {
        padding: 0.875rem 1.75rem;
        gap: 0.75rem;
    }

    .breadcrumb-link,
    .breadcrumb-current {
        font-size: 0.9rem;
    }

    /* Contact */
    .contact-info-grid {
        grid-template-columns: 1fr 1fr;
        gap: 1rem;
    }

    .contact-form-wrapper {
        padding: 2rem 1.5rem;
    }

    .contact-form-header h3 {
        font-size: 1.75rem;
    }

    .contact-form-header p {
        font-size: 0.95rem;
    }

    .form-row {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .btn-submit {
        padding: 1.125rem 1.5rem;
        font-size: 1rem;
    }

    /* Partner Sections */
    .partner-form-wrapper {
        padding: 2rem 1.5rem;
    }

    .documents-grid,
    .requirements-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    /* About Sections */
    .who-grid {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 3rem;
    }

    .who-badge {
        text-align: left;
    }

    .stats-wrapper {
        grid-template-columns: 1fr;
    }

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

    .mission-vision-card {
        padding: 2.5rem 2rem;
    }

    .core-values-grid {
        grid-template-columns: 1fr;
    }
}

/* ── Small Mobile (≤ 480px) ── */
@media (max-width: 480px) {

    /* Navigation */
    .nav-container {
        padding: 1rem;
    }

    /* Footer */
    .footer-container {
        padding: 3rem 1.5rem 1.5rem;
    }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 2.5rem;
        margin-bottom: 2rem;
    }

    .footer-links-section {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .footer-credits p {
        font-size: 14px;
    }

    .footer-credits .made-by {
        font-size: 13px;
    }

    .footer-credits {
        flex-direction: column;
        text-align: center;
        gap: 15px;
        padding-bottom: 30px;
    }

    /* Hero Home */
    .hero-modern {
        padding: 140px 0 60px;
    }

    .hero-modern-container {
        padding: 0 1.25rem;
        gap: 2.5rem;
    }

    .hero-modern-actions {
        flex-direction: column;
        justify-content: center;
    }

    .btn-modern {
        justify-content: center;
    }

    .hero-modern-visual {
        grid-template-columns: 1fr;
    }

    .visual-card {
        padding: 1.5rem;
    }

    /* Sections */
    .section {
        padding: 60px 0;
    }

    /* About */
    .about-layer-1 {
        width: 80%;
    }

    .about-layer-2 {
        top: 280px;
        right: 0;
        max-width: 50%;
    }

    /* Explore Loans */
    .home-loans-header {
        margin-bottom: 2.5rem;
    }

    .section#explore-loans .loan-card-image {
        height: 200px;
    }

    .section#explore-loans .loan-card-content {
        padding: 1.5rem;
    }

    .section#explore-loans .loan-card-content h3 {
        font-size: 1.35rem;
    }

    .section#explore-loans .loan-card-desc {
        font-size: 0.95rem;
    }

    /* Partner Sections */
    .partner-form-wrapper {
        padding: 1.5rem 1.25rem;
    }

    .documents-grid,
    .requirements-grid {
        gap: 1.25rem;
    }

    /* Process Section Mobile (small phones) */
    .process-grid {
        grid-template-columns: 1fr;
        gap: 1.25rem;
    }

    .process-step {
        padding: 1.75rem 1.5rem;
    }

    .step-number {
        width: 50px;
        height: 50px;
        font-size: 1.5rem;
        margin-bottom: 1rem;
    }

    .step-title {
        font-size: 1.15rem;
    }

    .step-description {
        font-size: 0.9rem;
    }

    /* Page Hero (inner pages) */
    .page-hero {
        min-height: 350px;
        padding: 140px 0px 80px;
        background-attachment: scroll;
    }

    .page-hero-title {
        font-size: 2.25rem;
        margin-bottom: 1.5rem;
    }

    .breadcrumb-nav {
        padding: 0.75rem 1.5rem;
        gap: 0.5rem;
    }

    .breadcrumb-link,
    .breadcrumb-current {
        font-size: 0.85rem;
    }

    .breadcrumb-sep {
        font-size: 0.85rem;
    }

    /* Contact */
    .contact-info-grid {
        grid-template-columns: 1fr;
    }
}

/* ===================================
   Loan Specific Sections (Working Capital, etc.)
   =================================== */

/* Overview Section - Modern Grid */
.overview-section-modern {
    background: linear-gradient(180deg, var(--white) 0%, var(--off-white) 100%);
}

.overview-modern-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 2rem;
    margin-top: 3rem;
}

/* Content Card */
.overview-content-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: 0 10px 40px rgba(34, 58, 95, 0.08);
    border: 1px solid rgba(34, 58, 95, 0.05);
    transition: all 0.4s ease;
}

.overview-content-card:hover {
    box-shadow: 0 20px 60px rgba(34, 58, 95, 0.12);
    transform: translateY(-5px);
}

.content-card-header {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

.header-icon {
    width: 60px;
    height: 60px;
    border-radius: 16px;
    background: var(--gradient-secondary);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    box-shadow: 0 10px 25px rgba(223, 174, 69, 0.3);
}

.header-icon i {
    font-size: 2rem;
    color: var(--white);
}

.content-card-header h3 {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--primary-color);
    margin: 0;
    line-height: 1.2;
}

.content-card-text {
    font-size: 1.05rem;
    line-height: 1.8;
    color: var(--medium-gray);
    margin-bottom: 2rem;
}

/* Quick Stats Grid */
.quick-stats-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.25rem;
}

.stat-box {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem 1.25rem;
    background: linear-gradient(135deg, var(--off-white) 0%, var(--white) 100%);
    border-radius: 14px;
    border: 2px solid rgba(223, 174, 69, 0.1);
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
}

.stat-box::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: var(--gradient-secondary);
    opacity: 0;
    transition: opacity 0.3s ease;
}

.stat-box:hover {
    border-color: rgba(223, 174, 69, 0.3);
    transform: translateX(5px);
    box-shadow: 0 5px 15px rgba(223, 174, 69, 0.15);
}

.stat-box:hover::before {
    opacity: 1;
}

.stat-box .stat-icon {
    width: 50px;
    height: 50px;
    border-radius: 12px;
    background: rgba(223, 174, 69, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.stat-box .stat-icon i {
    font-size: 1.3rem;
    color: var(--secondary-color);
}

.stat-content {
    display: flex;
    flex-direction: column;
    text-align: left;
}

.stat-content .stat-label {
    font-size: 0.85rem;
    color: var(--medium-gray);
    font-weight: 500;
}

.stat-content .stat-value {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--primary-color);
}

/* Use Cases Card */
.overview-usecases-card {
    background: linear-gradient(135deg, var(--white) 0%, var(--off-white) 100%);
    border-radius: 24px;
    padding: 2.5rem;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.05), inset 0 1px 0 rgba(255, 255, 255, 0.8);
    position: relative;
    overflow: hidden;
    border: 1px solid rgba(223, 174, 69, 0.15);
}

.overview-usecases-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background:
        radial-gradient(circle at 20% 30%, rgba(223, 174, 69, 0.08) 0%, transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(223, 174, 69, 0.06) 0%, transparent 50%);
    pointer-events: none;
    z-index: 0;
}

.overview-usecases-card::after {
    content: '';
    position: absolute;
    top: -50%;
    right: -50%;
    width: 200%;
    height: 200%;
    background: linear-gradient(45deg, transparent 30%, rgba(223, 174, 69, 0.05) 50%, transparent 70%);
    animation: shimmer 8s infinite;
    pointer-events: none;
}

@keyframes shimmer {

    0%,
    100% {
        transform: translateX(-100%) translateY(-100%) rotate(45deg);
    }

    50% {
        transform: translateX(100%) translateY(100%) rotate(45deg);
    }
}

.usecases-title {
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 2rem;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    position: relative;
    z-index: 1;
}

.title-icon {
    width: 48px;
    height: 48px;
    background: var(--gradient-secondary);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 8px 24px rgba(223, 174, 69, 0.35);
}

.title-icon i {
    font-size: 1.3rem;
    color: var(--white);
}

.usecases-grid-modern {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.875rem;
    margin-bottom: 2rem;
    position: relative;
    z-index: 1;
}

.usecase-item {
    display: flex;
    align-items: center;
    gap: 0.875rem;
    padding: 1rem;
    background: var(--white);
    border-radius: 14px;
    border: 1px solid rgba(34, 58, 95, 0.08);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    cursor: pointer;
    position: relative;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.02);
}

.usecase-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(223, 174, 69, 0.05);
    opacity: 0;
    transition: opacity 0.4s ease;
}

.usecase-item:hover {
    border-color: rgba(223, 174, 69, 0.5);
    transform: translateY(-3px) scale(1.02);
    box-shadow: 0 8px 24px rgba(223, 174, 69, 0.15);
}

.usecase-item:hover::before {
    opacity: 1;
}

.usecase-icon-wrapper {
    width: 42px;
    height: 42px;
    background: rgba(223, 174, 69, 0.1);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    position: relative;
    z-index: 1;
    transition: all 0.3s ease;
}

.usecase-item:hover .usecase-icon-wrapper {
    background: var(--gradient-secondary);
    box-shadow: 0 5px 15px rgba(223, 174, 69, 0.3);
    transform: rotate(5deg) scale(1.1);
}

.usecase-icon-wrapper i {
    font-size: 1.1rem;
    color: var(--secondary-color);
    transition: all 0.3s ease;
}

.usecase-item:hover .usecase-icon-wrapper i {
    color: var(--white);
}

.usecase-item span {
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--primary-color);
    position: relative;
    z-index: 1;
    transition: all 0.3s ease;
}

/* CTA Buttons */
.overview-cta-buttons {
    display: flex;
    flex-direction: column;
    gap: 0.875rem;
    position: relative;
    z-index: 1;
}

.btn-modern-over {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
    padding: 1.125rem 1.75rem;
    border-radius: 14px;
    font-size: 1rem;
    font-weight: 700;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    border: none;
    cursor: pointer;
    position: relative;
    overflow: hidden;
    letter-spacing: 0.3px;
    text-decoration: none;
}

.btn-modern-primary {
    background: var(--gradient-secondary);
    color: var(--white);
    box-shadow: 0 10px 30px rgba(223, 174, 69, 0.3), inset 0 1px 0 rgba(255, 255, 255, 0.2);
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.btn-modern-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 40px rgba(223, 174, 69, 0.4), inset 0 1px 0 rgba(255, 255, 255, 0.3);
    filter: brightness(1.1);
}

.btn-modern-primary .btn-arrow {
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.btn-modern-primary:hover .btn-arrow {
    transform: translateX(8px);
    animation: arrowBounce 0.6s ease infinite;
}

@keyframes arrowBounce {

    0%,
    100% {
        transform: translateX(8px);
    }

    50% {
        transform: translateX(12px);
    }
}

.btn-modern-outline {
    background: var(--white);
    color: var(--secondary-color);
    border: 2px solid rgba(223, 174, 69, 0.3);
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.08);
}

.btn-modern-outline:hover {
    border-color: rgba(223, 174, 69, 0.6);
    box-shadow: 0 8px 25px rgba(223, 174, 69, 0.15);
    transform: translateY(-2px);
}



/* Modern Eligibility Styles */
.eligibility-modern-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2.5rem;
    margin-top: 3rem;
}

.eligibility-category-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: 0 5px 25px rgba(34, 58, 95, 0.06);
    transition: all 0.4s ease;
    border: 1px solid var(--light-gray);
}

.eligibility-category-card:hover {
    box-shadow: 0 10px 40px rgba(34, 58, 95, 0.12);
    transform: translateY(-5px);
}

.category-header {
    text-align: center;
    margin-bottom: 2.5rem;
    padding-bottom: 2rem;
    border-bottom: 2px solid var(--light-gray);
    position: relative;
}

.category-icon-badge {
    width: 70px;
    height: 70px;
    background: var(--gradient-secondary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.25rem;
    box-shadow: 0 8px 25px rgba(223, 174, 69, 0.25);
}

.category-icon-badge i {
    font-size: 2rem;
    color: var(--white);
}

.category-title {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 0.5rem;
}

.category-subtitle {
    font-size: 0.95rem;
    color: var(--medium-gray);
    margin: 0;
}

.eligibility-items-modern {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.eligibility-item-modern {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1.25rem 1.5rem;
    background: var(--off-white);
    border-radius: var(--radius-md);
    transition: all 0.3s ease;
    border: 1px solid transparent;
}

.eligibility-item-modern:hover {
    background: var(--white);
    border-color: var(--secondary-color);
    transform: translateX(5px);
    box-shadow: 0 4px 15px rgba(223, 174, 69, 0.08);
}

.item-icon-wrapper {
    width: 48px;
    height: 48px;
    position: relative;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
}

.item-icon-bg {
    position: absolute;
    width: 100%;
    height: 100%;
    background: rgba(223, 174, 69, 0.1);
    border-radius: 50%;
    transition: all 0.3s ease;
}

.eligibility-item-modern:hover .item-icon-bg {
    background: rgba(223, 174, 69, 0.15);
    transform: scale(1.1);
}

.item-icon-wrapper i {
    font-size: 1.5rem;
    color: var(--secondary-color);
    position: relative;
    z-index: 1;
}

.item-details {
    flex: 1;
}

.item-title {
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--primary-color);
    margin-bottom: 0.25rem;
}

.item-value {
    font-size: 0.9rem;
    color: var(--medium-gray);
    margin: 0;
    font-weight: 500;
}

.item-status {
    flex-shrink: 0;
}

.item-status i {
    font-size: 1.5rem;
    color: #10b981;
    opacity: 0;
    transition: all 0.3s ease;
}

.eligibility-item-modern:hover .item-status i {
    opacity: 1;
}

.eligibility-cta {
    margin-top: 3rem;
    padding: 2.5rem 3rem;
    background: var(--gradient-primary);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: space-between;
    box-shadow: 0 10px 40px rgba(34, 58, 95, 0.15);
    position: relative;
    overflow: hidden;
}

.eligibility-cta::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 300px;
    height: 300px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 50%;
}

.eligibility-cta-text {
    position: relative;
    z-index: 1;
}

.eligibility-cta-text h4 {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 0.5rem;
}

.eligibility-cta-text p {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.9);
    margin: 0;
}

.eligibility-cta .btn-primary {
    background: var(--white);
    color: var(--primary-color);
    padding: 1rem 2.5rem;
    font-size: 1.05rem;
    font-weight: 700;
    border-radius: 50px;
    transition: all 0.3s ease;
    position: relative;
    z-index: 1;
    text-decoration: none;
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.1);
    display: inline-block;
}

.eligibility-cta .btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.2);
    background: var(--primary-color);
    color: var(--white);
}



/* Benefit Cards */
.features-benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2.5rem;
    margin-top: 4rem;
}

.benefit-card {
    position: relative;
    padding: 3.5rem 2rem 2.5rem;
    background: var(--white);
    border: 1px solid var(--light-gray);
    border-radius: var(--radius-lg);
    transition: all 0.3s ease;
}

.benefit-card:hover {
    border-color: var(--secondary-color);
    transform: translateY(-8px);
    box-shadow: 0 15px 30px rgba(34, 58, 95, 0.08);
}

.benefit-number {
    position: absolute;
    top: -25px;
    left: 30px;
    width: 55px;
    height: 55px;
    background: var(--gradient-secondary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 800;
    box-shadow: 0 8px 20px rgba(223, 174, 69, 0.3);
}

.benefit-card h4 {
    font-size: 1.3rem;
    color: var(--primary-color);
    margin-bottom: 1rem;
    font-weight: 700;
}

.benefit-card p {
    font-size: 1rem;
    color: var(--medium-gray);
    line-height: 1.7;
    margin: 0;
}

/* Responsive Overrides for Loan Pages */
@media (max-width: 1024px) {
    .overview-modern-grid {
        grid-template-columns: 1fr;
    }

    .quick-stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .eligibility-modern-grid {
        gap: 2rem;
    }

    .eligibility-category-card {
        padding: 2rem;
    }

    .category-header {
        margin-bottom: 2rem;
    }

    .category-icon-badge {
        width: 65px;
        height: 65px;
    }

    .category-icon-badge i {
        font-size: 1.85rem;
    }

    .category-title {
        font-size: 1.6rem;
    }
}

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

@media (max-width: 768px) {

    .overview-content-card,
    .overview-usecases-card {
        padding: 2rem 1.5rem;
    }

    .content-card-header h3 {
        font-size: 1.5rem;
    }

    .quick-stats-grid {
        grid-template-columns: 1fr;
    }

    .usecases-grid-modern {
        grid-template-columns: 1fr;
    }

    .usecases-title {
        font-size: 1.4rem;
    }

    .usecase-item {
        padding: 0.875rem;
    }

    .features-benefits-grid {
        grid-template-columns: 1fr;
    }

    .eligibility-modern-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .eligibility-category-card {
        padding: 1.75rem;
    }

    .category-header {
        margin-bottom: 1.75rem;
        padding-bottom: 1.75rem;
    }

    .category-icon-badge {
        width: 60px;
        height: 60px;
    }

    .category-icon-badge i {
        font-size: 1.65rem;
    }

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

    .category-subtitle {
        font-size: 0.9rem;
    }

    .eligibility-items-modern {
        gap: 1rem;
    }

    .eligibility-item-modern {
        padding: 1rem 1.25rem;
    }

    .item-icon-wrapper {
        width: 45px;
        height: 45px;
    }

    .item-icon-wrapper i {
        font-size: 1.35rem;
    }

    .item-title {
        font-size: 1rem;
    }

    .item-value {
        font-size: 0.875rem;
    }

    .item-status i {
        font-size: 1.35rem;
    }

    .eligibility-cta {
        flex-direction: column;
        text-align: center;
        gap: 1.5rem;
        padding: 2rem;
    }

    .eligibility-cta-text h4 {
        font-size: 1.5rem;
    }

    .eligibility-cta-text p {
        font-size: 0.95rem;
    }
}

@media (max-width: 480px) {
    .usecase-item span {
        font-size: 0.875rem;
    }

    .eligibility-category-card {
        padding: 1.5rem;
    }

    .category-header {
        margin-bottom: 1.5rem;
        padding-bottom: 1.5rem;
    }
}

/* ===================================
   EXPLORE OTHER LOANS SECTION (Kalakal Style)
   =================================== */
.explore-loans-section {
    padding: 100px 0;
    background: linear-gradient(135deg, #0a0e27 0%, #1a1f3a 50%, #0f1419 100%);
    position: relative;
    overflow: hidden;
}

.explore-loans-section .container {
    position: relative;
    z-index: 10;
}

.explore-loans-header {
    text-align: center;
    margin-bottom: 4rem;
}

.explore-loans-header .section-subtitle {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.75rem 1.5rem;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 50px;
    color: var(--white);
    font-size: 0.875rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    margin-bottom: 1.5rem;
    backdrop-filter: blur(10px);
}

.explore-loans-header h2 {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 1rem;
    background: linear-gradient(135deg, #ffffff 0%, var(--secondary-color) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.explore-loans-header .section-description {
    color: rgba(255, 255, 255, 0.7);
    max-width: 700px;
    margin: 0 auto;
}

.explore-loans-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
}

.explore-loan-card {
    position: relative;
    background: rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 20px;
    padding: 2rem 1.5rem;
    text-align: center;
    text-decoration: none;
    overflow: hidden;
    transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 1rem;
}

.explore-loan-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.1), transparent);
    transition: left 0.6s ease;
}

.explore-loan-card:hover::before {
    left: 100%;
}

.explore-loan-card:hover {
    transform: translateY(-8px);
    background: rgba(255, 255, 255, 0.08);
    border-color: var(--secondary-color);
    box-shadow: 0 15px 35px rgba(223, 174, 69, 0.15);
}

.explore-loan-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, rgba(34, 58, 95, 0.3) 0%, rgba(223, 174, 69, 0.2) 100%);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s ease;
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.explore-loan-card:hover .explore-loan-icon {
    background: var(--gradient-secondary);
    transform: rotate(10deg) scale(1.1);
    box-shadow: 0 8px 20px rgba(223, 174, 69, 0.3);
}

.explore-loan-icon i {
    font-size: 1.65rem;
    color: var(--secondary-color);
    transition: all 0.3s ease;
}

.explore-loan-card:hover .explore-loan-icon i {
    color: var(--white);
}

.explore-loan-card h3 {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--white);
    margin: 0;
    transition: all 0.3s ease;
}

.explore-loan-card:hover h3 {
    color: var(--secondary-color);
}

/* Background handled by cta-background classes */

/* Responsive - Explore Loans */
@media (max-width: 1200px) {
    .explore-loans-grid {
        grid-template-columns: repeat(4, 1fr);
        gap: 1rem;
    }
}

@media (max-width: 1024px) {
    .explore-loans-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 1rem;
    }

    .explore-loan-card {
        padding: 1.5rem 1rem;
    }
}

@media (max-width: 768px) {
    .explore-loans-section {
        padding: 4rem 0;
    }

    .explore-loans-header h2 {
        font-size: 2rem;
    }

    .explore-loans-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.25rem;
    }

    .explore-loan-card {
        padding: 1.5rem 1rem;
        gap: 0.75rem;
    }

    .explore-loan-icon {
        width: 50px;
        height: 50px;
    }

    .explore-loan-icon i {
        font-size: 1.375rem;
    }

    .explore-loan-card h3 {
        font-size: 0.95rem;
    }
}

@media (max-width: 480px) {
    .explore-loans-section {
        padding: 3rem 0;
    }

    .explore-loans-header h2 {
        font-size: 1.75rem;
    }

    .explore-loans-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 0.875rem;
    }

    .explore-loan-card {
        padding: 1.25rem 0.875rem;
        gap: 0.625rem;
        flex-direction: column;
        text-align: center;
    }

    .explore-loan-icon {
        width: 45px;
        height: 45px;
    }

    .explore-loan-icon i {
        font-size: 1.25rem;
    }

    .explore-loan-card h3 {
        font-size: 0.875rem;
    }
}