/* ==============================================
   FINCRED — MAIN CSS
   Brand: Navy #0D1F3C | Blue #1E5FD8 | Sky #29ABE2 | Green #22C55E
   Fonts: Plus Jakarta Sans (display) | DM Sans (body)
================================================ */

/* --- TOKENS --- */
:root {
  --navy:       #0D1F3C;
  --navy-light: #132844;
  --blue:       #1E5FD8;
  --blue-dark:  #1346a8;
  --sky:        #29ABE2;
  --green:      #22C55E;
  --green-dark: #16a34a;
  --gold:       #F0B429;
  --white:      #FFFFFF;
  --offwhite:   #F4F7FC;
  --slate:      #1A2332;
  --muted:      #5A6A7E;
  --border:     rgba(30,95,216,0.12);
  --r-sm:       8px;
  --r-md:       16px;
  --r-lg:       24px;
  --r-xl:       32px;
  --shadow:     0 4px 32px rgba(13,31,60,0.10);
  --shadow-lg:  0 12px 50px rgba(13,31,60,0.15);
  --trans:      0.32s cubic-bezier(.4,0,.2,1);
  --font-h:     'Plus Jakarta Sans', sans-serif;
  --font-b:     'DM Sans', sans-serif;
}

/* --- BASE --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-b);
  color: var(--slate);
  background: #fff;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
h1,h2,h3,h4,h5,h6 { font-family: var(--font-h); }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
section { position: relative; overflow: hidden; }

/* --- PRELOADER --- */
#preloader {
  position: fixed; inset: 0;
  background: var(--navy);
  z-index: 99999;
  display: flex; align-items: center; justify-content: center;
  flex-direction: column; gap: 20px;
  transition: opacity .6s ease, visibility .6s ease;
}
#preloader.hidden { opacity: 0; visibility: hidden; pointer-events: none; }
.preloader-logo { font-family: var(--font-h); font-size: 2.8rem; font-weight: 800; }
.preloader-logo .fin  { color: #fff; }
.preloader-logo .cred { color: var(--blue); }
.preloader-bar  { width: 160px; height: 3px; background: rgba(255,255,255,0.12); border-radius: 10px; overflow: hidden; }
.preloader-fill { height: 100%; background: linear-gradient(90deg,var(--blue),var(--green)); animation: preload 1.4s ease forwards; }
@keyframes preload { from{width:0} to{width:100%} }

/* --- COOKIE BANNER --- */
#cookieBanner {
  position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--navy); color: #fff;
  padding: 18px 24px;
  z-index: 9998;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 14px;
  border-top: 2px solid var(--blue);
  box-shadow: 0 -4px 30px rgba(0,0,0,0.3);
}
#cookieBanner p { margin: 0; font-size: .85rem; color: rgba(255,255,255,.78); max-width: 680px; }
#cookieBanner a { color: var(--sky); text-decoration: underline; }
.cookie-btns    { display: flex; gap: 10px; flex-shrink: 0; }
.cookie-btns button {
  border: none; border-radius: 100px; padding: 9px 24px;
  font-weight: 700; font-size: .82rem; cursor: pointer; transition: var(--trans);
}
#acceptCookies  { background: var(--blue); color: #fff; }
#acceptCookies:hover { background: var(--blue-dark); }
#declineCookies { background: transparent; color: rgba(255,255,255,.7); border: 1.5px solid rgba(255,255,255,.25) !important; }
#declineCookies:hover { background: rgba(255,255,255,.08); }

/* --- NAVBAR --- */
#mainNav {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 1050;
  padding: 16px 0;
  transition: background .4s, box-shadow .4s, padding .4s;
}
#mainNav.scrolled {
  background: rgba(255,255,255,.97);
  box-shadow: 0 2px 30px rgba(13,31,60,.10);
  backdrop-filter: blur(14px);
  padding: 10px 0;
}
.navbar-brand .brand-wrap { line-height: 1; }
.nav-logo-text { font-family: var(--font-h); font-weight: 800; font-size: 1.55rem; line-height: 1; }
.nav-logo-text .fin  { color: #fff; }
.nav-logo-text .cred { color: var(--blue); }
#mainNav.scrolled .nav-logo-text .fin { color: var(--navy); }
.nav-tagline-small { font-size: .52rem; letter-spacing: .13em; text-transform: uppercase; color: rgba(255,255,255,.5); font-weight: 500; }
#mainNav.scrolled .nav-tagline-small { color: var(--muted); }

.navbar-nav .nav-link {
  font-family: var(--font-h); font-weight: 600; font-size: .87rem;
  color: rgba(255,255,255,.88) !important;
  padding: 6px 13px !important; transition: color .25s; letter-spacing: .01em;
}
#mainNav.scrolled .navbar-nav .nav-link { color: var(--navy) !important; }
.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active { color: var(--blue) !important; }
#mainNav.scrolled .navbar-nav .nav-link:hover { color: var(--blue) !important; }

.dropdown-menu {
  border: none; border-radius: var(--r-md);
  box-shadow: 0 12px 50px rgba(13,31,60,.15);
  padding: 12px; min-width: 240px;
  animation: dropIn .2s ease;
}
@keyframes dropIn { from{opacity:0;transform:translateY(-8px)} to{opacity:1;transform:translateY(0)} }
.dropdown-item {
  border-radius: var(--r-sm); padding: 9px 14px;
  font-size: .87rem; font-weight: 500; color: var(--slate);
  transition: var(--trans); display: flex; align-items: center; gap: 10px;
}
.dropdown-item:hover { background: var(--offwhite); color: var(--blue); }
.dropdown-item i { color: var(--blue); font-size: 1rem; width: 18px; }
.nav-cta {
  background: linear-gradient(135deg,var(--blue),var(--blue-dark)) !important;
  color: #fff !important; border-radius: 100px;
  padding: 9px 24px !important; font-weight: 700 !important;
  box-shadow: 0 3px 16px rgba(30,95,216,.35);
  transition: var(--trans) !important;
}
.nav-cta:hover { transform: translateY(-1px); box-shadow: 0 6px 26px rgba(30,95,216,.5) !important; }
.navbar-toggler { border: none; padding: 4px; }
.navbar-toggler:focus { box-shadow: none; }

/* Mobile collapsed menu — needs a solid background since #mainNav itself
   can be transparent (over hero sections) before scroll */
@media(max-width:991px) {
  .navbar-collapse {
    background: var(--navy);
    border-radius: var(--r-md);
    margin-top: 14px;
    padding: 16px 18px;
    box-shadow: 0 12px 40px rgba(13,31,60,.25);
  }
  #mainNav.scrolled .navbar-collapse { background: var(--navy); }
  .navbar-collapse .nav-link { color: rgba(255,255,255,.88) !important; padding: 10px 8px !important; }
  #mainNav.scrolled .navbar-collapse .nav-link { color: rgba(255,255,255,.88) !important; }
  .navbar-collapse .nav-link:hover,
  .navbar-collapse .nav-link.active { color: var(--sky) !important; }
  .navbar-collapse .dropdown-menu { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); margin-top: 4px; }
  .navbar-collapse .dropdown-item { color: rgba(255,255,255,.82); }
  .navbar-collapse .dropdown-item:hover { background: rgba(255,255,255,.08); color: var(--sky); }
  .navbar-collapse .dropdown-item i { color: var(--sky); }
  .navbar-collapse .dropdown-divider { border-color: rgba(255,255,255,.12); }
  .navbar-collapse .nav-cta { display: inline-flex; margin-top: 8px; }
}
.navbar-toggler-icon {
  width: 26px; height: 26px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath stroke='rgba%28255,255,255,1%29' stroke-width='2.5' stroke-linecap='round' d='M4 7h22M4 15h22M4 23h22'/%3E%3C/svg%3E");
}
#mainNav.scrolled .navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath stroke='rgba%2813,31,60,1%29' stroke-width='2.5' stroke-linecap='round' d='M4 7h22M4 15h22M4 23h22'/%3E%3C/svg%3E");
}

/* --- UTILITIES --- */
.eyebrow {
  display: inline-block; font-size: .71rem; font-weight: 700;
  letter-spacing: .18em; text-transform: uppercase;
  color: var(--blue); background: rgba(30,95,216,.08);
  border: 1px solid rgba(30,95,216,.2); border-radius: 100px;
  padding: 5px 16px; margin-bottom: 14px;
}
.eyebrow-green { color: var(--green); background: rgba(34,197,94,.08); border-color: rgba(34,197,94,.25); }
.eyebrow-white { color: rgba(255,255,255,.7); background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.2); }
.section-title { font-size: clamp(1.65rem,3.5vw,2.6rem); font-weight: 800; line-height: 1.15; color: var(--navy); margin-bottom: 14px; }
.section-sub   { font-size: 1.02rem; color: var(--muted); line-height: 1.75; }
.grad-text {
  background: linear-gradient(135deg,var(--blue),var(--sky));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.grad-text-green {
  background: linear-gradient(135deg,var(--green),#16a34a);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.text-navy  { color: var(--navy)  !important; }
.text-blue  { color: var(--blue)  !important; }
.text-green { color: var(--green) !important; }
.text-sky   { color: var(--sky)   !important; }
.text-muted-fc { color: var(--muted) !important; }
.bg-offwhite { background: var(--offwhite) !important; }
.bg-navy     { background: var(--navy) !important; }

/* --- BUTTONS --- */
.btn-fc {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-h); font-weight: 700; font-size: .91rem;
  border-radius: 100px; border: none; cursor: pointer; transition: var(--trans);
  text-decoration: none; letter-spacing: .01em;
}
.btn-primary-fc {
  background: linear-gradient(135deg,var(--blue),var(--blue-dark));
  color: #fff; padding: 14px 32px;
  box-shadow: 0 4px 20px rgba(30,95,216,.3);
}
.btn-primary-fc:hover { transform: translateY(-2px); box-shadow: 0 8px 32px rgba(30,95,216,.45); color: #fff; }
.btn-outline-fc { background: transparent; color: var(--blue); border: 2px solid var(--blue); padding: 12px 30px; }
.btn-outline-fc:hover { background: var(--blue); color: #fff; transform: translateY(-2px); }
.btn-white-fc   { background: #fff; color: var(--navy); padding: 14px 32px; box-shadow: 0 4px 20px rgba(0,0,0,.12); }
.btn-white-fc:hover { transform: translateY(-2px); box-shadow: 0 8px 32px rgba(0,0,0,.2); color: var(--navy); }
.btn-green-fc   { background: linear-gradient(135deg,var(--green),var(--green-dark)); color: #fff; padding: 14px 32px; box-shadow: 0 4px 20px rgba(34,197,94,.3); }
.btn-green-fc:hover { transform: translateY(-2px); box-shadow: 0 8px 32px rgba(34,197,94,.45); color: #fff; }
.btn-sm-fc { padding: 10px 22px; font-size: .82rem; }

/* --- HERO SECTION --- */
.hero-section {
  min-height: 100vh; display: flex; align-items: center;
  background: linear-gradient(160deg,var(--navy) 0%,#0A2856 55%,#0D3569 100%);
  padding: 130px 0 80px; position: relative;
}
.hero-section::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 80% 60% at 70% 50%,rgba(30,95,216,.25) 0%,transparent 70%),
    radial-gradient(ellipse 40% 50% at 20% 80%,rgba(41,171,226,.15) 0%,transparent 60%),
    radial-gradient(ellipse 30% 30% at 85% 15%,rgba(34,197,94,.12) 0%,transparent 50%);
}
.hero-section::after {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),
                    linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);
  background-size: 48px 48px;
}
.hero-content { position: relative; z-index: 2; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  border-radius: 100px; padding: 6px 18px 6px 8px; margin-bottom: 22px;
  backdrop-filter: blur(8px);
}
.hero-eyebrow .dot {
  width: 8px; height: 8px; border-radius: 50%; background: var(--green);
  animation: pulse-dot 2s ease-in-out infinite;
}
@keyframes pulse-dot {
  0%,100% { box-shadow: 0 0 0 0 rgba(34,197,94,.6); }
  50%      { box-shadow: 0 0 0 8px rgba(34,197,94,0); }
}
.hero-eyebrow span { font-family: var(--font-h); font-size: .76rem; font-weight: 600; color: rgba(255,255,255,.85); letter-spacing: .05em; text-transform: uppercase; }
.hero-title { font-size: clamp(1.9rem,5vw,3.8rem); font-weight: 800; line-height: 1.1; color: #fff; margin-bottom: 18px; }
.hero-title .shimmer {
  background: linear-gradient(90deg,#fff 0%,var(--sky) 40%,var(--green) 70%,#fff 100%);
  background-size: 300% auto; -webkit-background-clip: text;
  -webkit-text-fill-color: transparent; background-clip: text;
  animation: shimmer 4s linear infinite;
}
@keyframes shimmer { 0%{background-position:0% center} 100%{background-position:300% center} }
.hero-sub { font-size: 1.05rem; color: rgba(255,255,255,.72); line-height: 1.78; max-width: 520px; margin-bottom: 34px; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 36px; }
.hero-stat-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.hero-stat-card {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--r-md); padding: 18px 14px; text-align: center;
  backdrop-filter: blur(10px); transition: var(--trans);
}
.hero-stat-card:hover { background: rgba(255,255,255,.12); transform: translateY(-3px); }
.hero-stat-card .num { font-family: var(--font-h); font-size: 1.55rem; font-weight: 800; color: #fff; }
.hero-stat-card .num span { color: var(--green); }
.hero-stat-card .lbl { font-size: .68rem; color: rgba(255,255,255,.52); font-weight: 500; letter-spacing: .04em; text-transform: uppercase; margin-top: 4px; }
.hero-visual { position: relative; height: 520px; display: flex; align-items: center; justify-content: center; }
.hero-card-main {
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--r-lg); padding: 28px; width: 300px;
  backdrop-filter: blur(20px); z-index: 3; position: relative;
  box-shadow: 0 20px 60px rgba(0,0,0,.3), inset 0 1px 0 rgba(255,255,255,.2);
}
.hero-card-icon {
  width: 50px; height: 50px; border-radius: 14px;
  background: linear-gradient(135deg,var(--blue),var(--sky));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: #fff; margin-bottom: 16px;
}
.hero-card-main h4 { color: #fff; font-size: .98rem; font-weight: 700; margin-bottom: 5px; }
.hero-card-main p  { color: rgba(255,255,255,.58); font-size: .8rem; margin-bottom: 18px; }
.prog-bar { height: 6px; background: rgba(255,255,255,.15); border-radius: 10px; overflow: hidden; margin-bottom: 6px; }
.prog-fill { height: 100%; background: linear-gradient(90deg,var(--blue),var(--green)); width: 78%; animation: fillBar 2s ease forwards; }
@keyframes fillBar { from{width:0} to{width:78%} }
.prog-labels { display: flex; justify-content: space-between; }
.prog-labels span { font-size: .68rem; color: rgba(255,255,255,.48); }
.float-badge {
  position: absolute; background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2); border-radius: var(--r-md);
  padding: 12px 15px; backdrop-filter: blur(16px);
  box-shadow: 0 8px 30px rgba(0,0,0,.2);
}
.float-badge.top-r  { top: 30px; right: -15px; animation: fb1 4s ease-in-out infinite; }
.float-badge.bot-l  { bottom: 50px; left: -20px; animation: fb2 5s ease-in-out infinite; }
@keyframes fb1 { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-12px)} }
@keyframes fb2 { 0%,100%{transform:translateY(0)} 50%{transform:translateY(10px)} }
.fb-inner { display: flex; align-items: center; gap: 10px; }
.fb-icon { font-size: 1.4rem; }
.fb-t1 { font-family: var(--font-h); font-weight: 700; color: #fff; font-size: .87rem; }
.fb-t2 { font-size: .68rem; color: rgba(255,255,255,.52); }

/* --- TRUST BAR --- */
.trust-bar { background: var(--offwhite); border-bottom: 1px solid var(--border); padding: 16px 0; }
.trust-item { display: flex; align-items: center; gap: 9px; justify-content: center; }
.trust-item i   { color: var(--blue); font-size: 1.1rem; }
.trust-item span { font-family: var(--font-h); font-size: .81rem; font-weight: 700; color: var(--navy); }

/* --- SECTION PADDING --- */
.sec { padding: 90px 0; }
.sec-sm { padding: 60px 0; }

/* --- SERVICE CARDS --- */
.service-card {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r-lg); padding: 28px 22px;
  height: 100%; transition: var(--trans); position: relative; overflow: hidden;
}
.service-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 3px; background: linear-gradient(90deg,var(--blue),var(--sky));
  transform: scaleX(0); transform-origin: left; transition: transform .4s ease;
}
.service-card:hover::before { transform: scaleX(1); }
.service-card:hover { box-shadow: var(--shadow); transform: translateY(-6px); border-color: rgba(30,95,216,.22); }
.svc-icon {
  width: 56px; height: 56px; border-radius: 15px;
  background: linear-gradient(135deg,rgba(30,95,216,.1),rgba(41,171,226,.07));
  border: 1px solid rgba(30,95,216,.14);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.45rem; color: var(--blue); margin-bottom: 16px; transition: var(--trans);
}
.service-card:hover .svc-icon { background: linear-gradient(135deg,var(--blue),var(--sky)); color: #fff; transform: scale(1.05); }
.service-card h4 { font-size: .98rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.service-card p  { font-size: .84rem; color: var(--muted); line-height: 1.65; margin-bottom: 16px; }
.svc-link { font-family: var(--font-h); font-size: .79rem; font-weight: 700; color: var(--blue); display: inline-flex; align-items: center; gap: 5px; transition: gap .25s; }
.service-card:hover .svc-link { gap: 10px; }

/* --- HOW IT WORKS --- */
.how-section { background: var(--navy); }
.how-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 60% at 50% 100%,rgba(30,95,216,.2) 0%,transparent 70%);
}
.step-card {
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-lg); padding: 28px 20px; text-align: center;
  position: relative; height: 100%; transition: var(--trans); backdrop-filter: blur(10px);
}
.step-card:hover { background: rgba(255,255,255,.09); transform: translateY(-5px); }
.step-num {
  width: 50px; height: 50px; border-radius: 50%;
  background: linear-gradient(135deg,var(--blue),var(--sky));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-h); font-weight: 800; font-size: 1.1rem;
  color: #fff; margin: 0 auto 18px; box-shadow: 0 4px 20px rgba(30,95,216,.4);
}
.step-card h4 { color: #fff; font-size: .98rem; font-weight: 700; margin-bottom: 8px; }
.step-card p  { color: rgba(255,255,255,.55); font-size: .84rem; line-height: 1.65; }

/* --- STATS SECTION --- */
.stats-section {
  background: linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 50%,#0a2a6a 100%);
  position: relative;
}
.stats-section::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");
}
.stat-block { text-align: center; position: relative; z-index: 1; }
.stat-block .stat-num { font-family: var(--font-h); font-size: clamp(1.9rem,4vw,2.9rem); font-weight: 800; color: #fff; line-height: 1; }
.stat-block .stat-num .plus { color: var(--green); }
.stat-block .stat-lbl { font-size: .81rem; color: rgba(255,255,255,.62); margin-top: 8px; letter-spacing: .03em; }

/* --- ABOUT SECTION --- */
.about-feature { display: flex; align-items: flex-start; gap: 15px; margin-bottom: 20px; }
.about-feat-icon {
  width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0;
  background: linear-gradient(135deg,rgba(30,95,216,.1),rgba(41,171,226,.07));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: var(--blue);
}
.about-feature h6 { font-family: var(--font-h); font-size: .91rem; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.about-feature p  { font-size: .82rem; color: var(--muted); line-height: 1.6; margin: 0; }
.about-visual { background: var(--navy); border-radius: var(--r-lg); padding: 32px; position: relative; overflow: hidden; }
.about-visual::before {
  content: ''; position: absolute; top: -40px; right: -40px;
  width: 200px; height: 200px; border-radius: 50%;
  background: rgba(30,95,216,.3); filter: blur(40px);
}
.about-badge {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--r-md); padding: 16px 18px; margin-bottom: 12px;
  display: flex; align-items: center; gap: 13px;
  backdrop-filter: blur(10px); transition: var(--trans);
}
.about-badge:hover { background: rgba(255,255,255,.12); transform: translateX(5px); }
.about-badge-icon { font-size: 1.5rem; }
.ab-t1 { font-family: var(--font-h); font-size: 1.05rem; font-weight: 800; color: #fff; }
.ab-t2 { font-size: .76rem; color: rgba(255,255,255,.52); }
.bank-pills { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 18px; }
.bank-pill {
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12);
  border-radius: 100px; padding: 5px 14px;
  font-size: .7rem; font-weight: 700; color: rgba(255,255,255,.7); letter-spacing: .04em;
}

/* --- LOAN TYPE CARDS --- */
.loan-card {
  border-radius: var(--r-lg); padding: 28px; height: 100%;
  position: relative; overflow: hidden; transition: var(--trans); cursor: pointer;
}
.loan-card::after {
  content: ''; position: absolute; bottom: -30px; right: -30px;
  width: 120px; height: 120px; border-radius: 50%;
  background: rgba(255,255,255,.08); transition: var(--trans);
}
.loan-card:hover::after { transform: scale(1.6); }
.loan-card:hover { transform: translateY(-5px); box-shadow: 0 14px 44px rgba(0,0,0,.18); }
.loan-card .l-icon { font-size: 2rem; margin-bottom: 13px; }
.loan-card h4     { font-size: .98rem; font-weight: 700; color: #fff; margin-bottom: 6px; }
.loan-card p      { font-size: .8rem; color: rgba(255,255,255,.7); margin-bottom: 14px; }
.loan-card .l-link { font-size: .77rem; font-weight: 700; color: rgba(255,255,255,.9); display: inline-flex; align-items: center; gap: 5px; border-bottom: 1px solid rgba(255,255,255,.3); padding-bottom: 2px; }
.lc-1 { background: linear-gradient(135deg,#1E5FD8,#1346a8); }
.lc-2 { background: linear-gradient(135deg,#0D1F3C,#1E3A5F); }
.lc-3 { background: linear-gradient(135deg,#29ABE2,#1E8CB5); }
.lc-4 { background: linear-gradient(135deg,#1a7a3c,#22C55E); }
.lc-5 { background: linear-gradient(135deg,#7c3aed,#5b21b6); }
.lc-6 { background: linear-gradient(135deg,#b45309,#d97706); }

/* --- EMI CALCULATOR --- */
.emi-card { background: #fff; border-radius: var(--r-lg); padding: 40px; box-shadow: var(--shadow); border: 1px solid var(--border); }
.emi-lbl-row { display: flex; justify-content: space-between; font-family: var(--font-h); font-size: .77rem; font-weight: 700; color: var(--navy); letter-spacing: .04em; text-transform: uppercase; margin-bottom: 6px; }
.emi-lbl-row .val { color: var(--blue); font-size: .88rem; }
.emi-slider {
  -webkit-appearance: none; width: 100%; height: 6px; border-radius: 10px;
  background: rgba(30,95,216,.15); outline: none; cursor: pointer; margin-bottom: 20px;
}
.emi-slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 22px; height: 22px;
  border-radius: 50%; background: var(--blue); border: 3px solid #fff;
  box-shadow: 0 2px 10px rgba(30,95,216,.4); cursor: grab;
}
.emi-slider::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: var(--blue);
  border: 3px solid #fff; box-shadow: 0 2px 10px rgba(30,95,216,.4); cursor: grab;
}
.emi-result { background: var(--navy); border-radius: var(--r-md); padding: 28px; text-align: center; }
.emi-amount { font-family: var(--font-h); font-size: 2.5rem; font-weight: 800; color: #fff; }
.emi-amount sup { font-size: .5em; vertical-align: super; color: var(--sky); }
.emi-sub    { font-size: .75rem; color: rgba(255,255,255,.5); margin-bottom: 18px; }
.emi-grid   { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 14px; }
.emi-bd     { background: rgba(255,255,255,.06); border-radius: 10px; padding: 12px; text-align: left; }
.emi-bd .bl { font-size: .68rem; color: rgba(255,255,255,.42); text-transform: uppercase; letter-spacing: .04em; }
.emi-bd .bv { font-family: var(--font-h); font-weight: 700; font-size: .9rem; color: #fff; margin-top: 3px; }

/* --- LEAD FORM --- */
.form-section { background: linear-gradient(160deg,var(--navy) 0%,#0A2856 100%); }
.form-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 60% at 70% 50%,rgba(30,95,216,.25) 0%,transparent 70%);
}
.form-card {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--r-lg); padding: 40px; backdrop-filter: blur(20px);
}
.form-card h3    { color: #fff; font-size: 1.45rem; font-weight: 800; margin-bottom: 4px; }
.form-card .fsub { color: rgba(255,255,255,.58); font-size: .87rem; margin-bottom: 26px; }
.fc-input {
  width: 100%; background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.15); border-radius: var(--r-sm);
  padding: 13px 17px; color: #fff; font-size: .9rem; font-family: var(--font-b);
  outline: none; transition: border-color .25s; margin-bottom: 14px; display: block;
}
.fc-input::placeholder { color: rgba(255,255,255,.32); }
.fc-input:focus { border-color: var(--blue); background: rgba(255,255,255,.1); }
.fc-input option { background: var(--navy); color: #fff; }
.fc-error { border-color: #ef4444 !important; }
.fc-error-msg { font-size: .75rem; color: #f87171; margin: -10px 0 12px 4px; }
.form-benefit { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.form-ben-icon {
  width: 36px; height: 36px; border-radius: 10px; flex-shrink: 0;
  background: rgba(34,197,94,.15); display: flex; align-items: center; justify-content: center;
  color: var(--green); font-size: .95rem;
}
.form-benefit p { margin: 0; font-size: .88rem; color: rgba(255,255,255,.78); font-weight: 500; }
.form-note { font-size: .71rem; color: rgba(255,255,255,.32); margin-bottom: 14px; }
.form-note a { color: var(--sky); }
.alert-success-fc {
  background: rgba(34,197,94,.1); border: 1px solid rgba(34,197,94,.3);
  border-radius: var(--r-md); padding: 22px; text-align: center; display: none;
}
.alert-success-fc i { font-size: 2.2rem; color: var(--green); }
.alert-success-fc p { color: #fff; margin: 10px 0 0; font-weight: 600; }
.alert-error-fc {
  background: rgba(239,68,68,.1); border: 1px solid rgba(239,68,68,.3);
  border-radius: var(--r-md); padding: 14px 18px; text-align: center; display: none; margin-bottom: 14px;
}
.alert-error-fc p { color: #fca5a5; margin: 0; font-size: .88rem; }

/* --- TESTIMONIALS --- */
.testi-card {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r-lg); padding: 26px; height: 100%;
  transition: var(--trans); position: relative;
}
.testi-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.testi-badge {
  position: absolute; top: 18px; right: 18px;
  background: rgba(34,197,94,.1); border: 1px solid rgba(34,197,94,.22);
  border-radius: 100px; padding: 3px 10px;
  font-size: .65rem; font-weight: 700; color: #16a34a;
}
.stars { color: var(--gold); font-size: .88rem; margin-bottom: 12px; }
.testi-card blockquote {
  font-size: .9rem; color: var(--slate); line-height: 1.72;
  margin: 0 0 16px; font-style: italic;
}
.testi-card blockquote::before { content: '\201C'; font-size: 2rem; color: var(--blue); opacity: .25; line-height: 0; vertical-align: -.4em; margin-right: 4px; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 40px; height: 40px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg,var(--blue),var(--sky));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-h); font-weight: 800; font-size: .88rem; color: #fff;
}
.testi-name { font-family: var(--font-h); font-size: .87rem; font-weight: 700; color: var(--navy); }
.testi-role { font-size: .74rem; color: var(--muted); }

/* --- FAQ --- */
.accordion-item { border: 1px solid var(--border) !important; border-radius: var(--r-md) !important; overflow: hidden; margin-bottom: 12px; background: #fff; }
.accordion-button { font-family: var(--font-h); font-weight: 700; font-size: .91rem; color: var(--navy) !important; background: #fff !important; box-shadow: none !important; padding: 18px 22px; }
.accordion-button:not(.collapsed) { color: var(--blue) !important; }
.accordion-body { font-size: .87rem; color: var(--muted); line-height: 1.75; padding: 0 22px 18px; }

/* --- CONTACT CARDS --- */
.contact-card {
  background: var(--navy); border-radius: var(--r-lg); padding: 28px;
  text-align: center; transition: var(--trans); height: 100%;
}
.contact-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(13,31,60,.22); }
.cc-icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: rgba(30,95,216,.25); display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; color: var(--sky); margin: 0 auto 14px;
}
.contact-card h5 { color: rgba(255,255,255,.52); font-size: .7rem; text-transform: uppercase; letter-spacing: .1em; font-weight: 600; margin-bottom: 8px; }
.contact-card p  { color: #fff; font-weight: 600; font-size: .93rem; margin: 0; }
.contact-card a  { color: var(--sky); font-weight: 700; }
.contact-card a:hover { color: #fff; }
.map-wrap { border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow); border: 1px solid var(--border); }
.map-wrap iframe { display: block; width: 100%; height: 360px; border: 0; }

/* --- INNER PAGE HERO --- */
.inner-hero {
  background: linear-gradient(160deg,var(--navy) 0%,#0A2856 60%,#0D3569 100%);
  padding: 130px 0 70px; position: relative;
}
.inner-hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 70% 50%,rgba(30,95,216,.22) 0%,transparent 70%),
    radial-gradient(ellipse 30% 40% at 20% 80%,rgba(41,171,226,.12) 0%,transparent 60%);
}
.inner-hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);
  background-size: 48px 48px;
}
.inner-hero-content { position: relative; z-index: 2; }
.inner-hero h1  { font-size: clamp(1.8rem,4.5vw,3.2rem); font-weight: 800; color: #fff; margin-bottom: 14px; }
.inner-hero p   { color: rgba(255,255,255,.68); font-size: 1.02rem; line-height: 1.75; max-width: 600px; }
.breadcrumb-fc  { display: flex; align-items: center; gap: 8px; margin-bottom: 18px; flex-wrap: wrap; }
.breadcrumb-fc a { font-size: .78rem; color: rgba(255,255,255,.52); font-weight: 500; transition: color .25s; }
.breadcrumb-fc a:hover { color: #fff; }
.breadcrumb-fc .sep { color: rgba(255,255,255,.3); font-size: .7rem; }
.breadcrumb-fc .current { font-size: .78rem; color: var(--sky); font-weight: 600; }

/* --- SERVICE DETAIL PAGE --- */
.svc-detail-icon {
  width: 70px; height: 70px; border-radius: 20px;
  background: linear-gradient(135deg,var(--blue),var(--sky));
  display: flex; align-items: center; justify-content: center;
  font-size: 2rem; color: #fff; margin-bottom: 18px;
}
.eligibility-item {
  display: flex; align-items: flex-start; gap: 12px; margin-bottom: 14px;
  padding: 14px; background: var(--offwhite); border-radius: var(--r-sm);
  border-left: 3px solid var(--blue);
}
.eligibility-item i { color: var(--green); font-size: 1.1rem; margin-top: 1px; }
.eligibility-item p { margin: 0; font-size: .87rem; color: var(--slate); line-height: 1.6; }
.doc-list li {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 0; border-bottom: 1px solid var(--border);
  font-size: .88rem; color: var(--slate);
}
.doc-list li:last-child { border: none; }
.doc-list li i { color: var(--blue); }
.loan-highlight-card {
  background: var(--offwhite); border-radius: var(--r-md); padding: 22px;
  border: 1px solid var(--border); height: 100%;
}
.loan-highlight-card .lh-num { font-family: var(--font-h); font-size: 1.8rem; font-weight: 800; color: var(--blue); }
.loan-highlight-card .lh-lbl { font-size: .8rem; color: var(--muted); margin-top: 4px; }

/* --- BLOG --- */
.blog-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--r-lg); overflow: hidden;
  transition: var(--trans); height: 100%;
}
.blog-card:hover { box-shadow: var(--shadow); transform: translateY(-5px); }
.blog-card-img { height: 200px; background: var(--offwhite); position: relative; overflow: hidden; }
.blog-card-img .blog-cat {
  position: absolute; top: 14px; left: 14px;
  background: var(--blue); color: #fff;
  font-size: .68rem; font-weight: 700; padding: 4px 12px;
  border-radius: 100px; letter-spacing: .04em; text-transform: uppercase;
}
.blog-card-body { padding: 22px; }
.blog-card-body .blog-meta { font-size: .76rem; color: var(--muted); margin-bottom: 10px; display: flex; gap: 14px; }
.blog-card-body h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; line-height: 1.4; }
.blog-card-body p  { font-size: .84rem; color: var(--muted); line-height: 1.65; margin-bottom: 14px; }
.blog-read { font-family: var(--font-h); font-size: .79rem; font-weight: 700; color: var(--blue); display: inline-flex; align-items: center; gap: 5px; }

/* --- FLOATING ELEMENTS --- */
#whatsappBtn {
  position: fixed; bottom: 28px; right: 28px;
  width: 58px; height: 58px; border-radius: 50%;
  background: #25D366; display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 1.6rem; box-shadow: 0 4px 20px rgba(37,211,102,.5);
  z-index: 9990; transition: var(--trans); animation: wa-pulse 3s ease-in-out infinite;
}
@keyframes wa-pulse { 0%,100%{box-shadow:0 4px 20px rgba(37,211,102,.5)} 50%{box-shadow:0 4px 40px rgba(37,211,102,.8),0 0 0 12px rgba(37,211,102,.1)} }
#whatsappBtn:hover { transform: scale(1.1); background: #1ebe5d; }
.wa-tip {
  position: absolute; right: 68px;
  background: var(--navy); color: #fff; font-size: .77rem; font-weight: 600;
  padding: 6px 14px; border-radius: 100px; white-space: nowrap;
  opacity: 0; pointer-events: none; transition: opacity .25s;
  box-shadow: 0 4px 20px rgba(0,0,0,.2);
}
#whatsappBtn:hover .wa-tip { opacity: 1; }
#backTop {
  position: fixed; bottom: 98px; right: 28px;
  width: 42px; height: 42px; border-radius: 50%;
  background: rgba(30,95,216,.9); display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 1rem; z-index: 9989;
  opacity: 0; pointer-events: none; transition: var(--trans); cursor: pointer;
  box-shadow: 0 3px 15px rgba(30,95,216,.4);
}
#backTop.visible { opacity: 1; pointer-events: auto; }
#backTop:hover { transform: translateY(-3px); }

/* --- MOBILE STICKY BAR --- */
#stickyBar {
  display: none; position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--navy); border-top: 2px solid var(--blue);
  padding: 10px 16px; z-index: 1040; gap: 10px;
}
@media(max-width:767px){
  #stickyBar { display: flex; }
  body { padding-bottom: 66px; }
  #whatsappBtn { bottom: 86px; width: 52px; height: 52px; font-size: 1.4rem; }
  #backTop { bottom: 148px; width: 38px; height: 38px; }
}
#stickyBar a { flex: 1; border-radius: 100px; padding: 11px; text-align: center; font-family: var(--font-h); font-weight: 700; font-size: .79rem; transition: var(--trans); display: block; }
#stickyBar .s-call  { background: var(--green); color: #fff; }
#stickyBar .s-apply { background: var(--blue);  color: #fff; }

/* --- FOOTER --- */
#footer { background: var(--navy); border-top: 1px solid rgba(255,255,255,.06); padding-top: 64px; }
.footer-logo-text { font-family: var(--font-h); font-size: 1.8rem; font-weight: 800; }
.footer-logo-text .fin  { color: #fff; }
.footer-logo-text .cred { color: var(--blue); }
.footer-tagline { font-size: .7rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.38); margin: 4px 0 16px; }
.footer-desc { font-size: .84rem; color: rgba(255,255,255,.48); line-height: 1.75; margin-bottom: 22px; max-width: 320px; }
.social-link {
  width: 36px; height: 36px; border-radius: 10px;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1);
  display: inline-flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.6); font-size: .9rem; transition: var(--trans);
}
.social-link:hover { background: var(--blue); color: #fff; transform: translateY(-2px); border-color: var(--blue); }
.footer-heading { font-family: var(--font-h); font-size: .73rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.32); margin-bottom: 16px; }
.footer-link { display: block; font-size: .84rem; color: rgba(255,255,255,.58); margin-bottom: 9px; transition: color .25s; }
.footer-link:hover { color: var(--sky); }
.footer-contact-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 12px; }
.footer-contact-item i    { color: var(--blue); font-size: .88rem; margin-top: 2px; flex-shrink: 0; }
.footer-contact-item span { font-size: .81rem; color: rgba(255,255,255,.58); line-height: 1.55; }
.footer-contact-item a    { color: var(--sky); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.06); padding: 20px 0; margin-top: 50px; }
.footer-bottom p { font-size: .77rem; color: rgba(255,255,255,.32); margin: 0; }
.footer-bottom a { color: var(--sky); }
.footer-bottom a:hover { color: #fff; }
.dev-credit { font-size: .77rem; color: rgba(255,255,255,.32); }
.dev-credit a { color: var(--sky); font-weight: 600; }
.dev-credit a:hover { color: #fff; }

/* --- CTA BAND --- */
.cta-band { background: linear-gradient(135deg,var(--blue),var(--blue-dark)); position: relative; }
.cta-band::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4z'/%3E%3C/g%3E%3C/svg%3E");
}
.cta-band h2 { color: #fff; }
.cta-band p  { color: rgba(255,255,255,.72); }

/* --- MISC --- */
.honeypot-field { display: none !important; opacity: 0; position: absolute; left: -9999px; }
.divider-line { height: 1px; background: var(--border); margin: 0; }
.badge-green { background: rgba(34,197,94,.1); border: 1px solid rgba(34,197,94,.22); color: var(--green-dark); border-radius: 100px; padding: 4px 12px; font-size: .71rem; font-weight: 700; }
.badge-blue  { background: rgba(30,95,216,.1); border: 1px solid rgba(30,95,216,.2); color: var(--blue); border-radius: 100px; padding: 4px 12px; font-size: .71rem; font-weight: 700; }
.page-404 { min-height: 80vh; display: flex; align-items: center; background: var(--offwhite); }
.spinner-fc { width: 22px; height: 22px; border: 3px solid rgba(255,255,255,.3); border-top-color: #fff; border-radius: 50%; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* =====================
   RESPONSIVE
===================== */
@media(max-width:991px) {
  .hero-visual { height: 340px; }
  .hero-card-main { width: 252px; }
  .float-badge.top-r { right: 0; }
  .float-badge.bot-l { left: 0; }
  .step-card { margin-bottom: 4px; }
}
@media(max-width:767px) {
  .sec { padding: 60px 0; }
  .hero-section { padding: 110px 0 140px; }
  .hero-stat-cards { grid-template-columns: repeat(3,1fr); gap: 8px; }
  .hero-stat-card .num { font-size: 1.2rem; }
  .hero-visual { height: 260px; margin-top: 28px; }
  .hero-card-main { width: 222px; padding: 20px; }
  .emi-card { padding: 22px; }
  .emi-grid { grid-template-columns: 1fr 1fr; gap: 8px; }
  .form-card { padding: 24px; }
  .about-visual { margin-top: 28px; }
  .inner-hero { padding: 110px 0 52px; }
  .blog-card-img { height: 160px; }
  .testi-card { padding: 22px; }
  .testi-badge { position: static; display: inline-block; margin-bottom: 12px; }
  .loan-highlight-card { padding: 16px; }
  .contact-card { padding: 22px; }
  .about-badge { padding: 14px 16px; }
  .step-connector { display: none !important; }
}
@media(max-width:575px) {
  .breadcrumb-fc { font-size: .7rem; }
  .breadcrumb-fc a, .breadcrumb-fc .current { font-size: .72rem; }
  .hero-stat-cards { grid-template-columns: repeat(3,1fr); gap: 6px; }
  .hero-stat-card { padding: 12px 8px; }
  .nav-tagline-small { display: none; }
  .loan-card { padding: 22px; }
  .service-card { padding: 24px 18px; }
  .eligibility-item { padding: 12px; }
  .footer-desc { max-width: 100%; }
}
@media(max-width:480px) {
  .hero-title { font-size: 1.65rem; }
  .hero-stat-card .num { font-size: 1rem; }
  .hero-stat-card .lbl { font-size: .6rem; }
  .section-title { font-size: 1.5rem; }
  .emi-amount { font-size: 1.9rem; }
  .emi-grid { grid-template-columns: 1fr; }
  .form-card { padding: 18px; }
  .hero-eyebrow span { font-size: .68rem; }
  .step-num { width: 42px; height: 42px; font-size: .95rem; }
  .svc-detail-icon { width: 58px; height: 58px; font-size: 1.6rem; }
}
@media(max-width:360px) {
  .hero-stat-cards { gap: 5px; }
  .hero-stat-card .num { font-size: .88rem; }
  .nav-logo-text { font-size: 1.3rem; }
}