/* ========================================================================
   PRISTINE FINSERVE - Design System
   Premium Fintech Corporate Theme
   ======================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Nunito:wght@300;400;500;600;700;800&display=swap');

/* -----------------------------------------------------------------------
   1. CSS Custom Properties
   ------------------------------------------------------------------------ */
:root {
  /* Primary Colors */
  --color-deep-navy: #0A1F44;
  --color-deep-navy-rgb: 10, 31, 68;
  --color-royal-blue: #1B5AAE;
  --color-royal-blue-rgb: 27, 90, 174;
  --color-gold: #C9962E;
  --color-gold-rgb: 201, 150, 46;

  /* Neutral Colors */
  --color-white: #FFFFFF;
  --color-off-white: #F8FAFC;
  --color-light-gray: #F1F5F9;
  --color-border: #E2E8F0;
  --color-text-primary: #0F172A;
  --color-text-secondary: #475569;
  --color-text-muted: #94A3B8;
  --color-dark: #0D1117;

  /* Semantic Colors */
  --color-success: #10B981;
  --color-warning: #F59E0B;
  --color-error: #EF4444;
  --color-info: #3B82F6;

  /* Typography */
  --font-primary: 'Nunito', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'JetBrains Mono', 'SF Mono', 'Fira Code', monospace;

  /* Font Sizes */
  --text-xs: 0.75rem;
  --text-sm: 0.875rem;
  --text-base: 1rem;
  --text-lg: 1.125rem;
  --text-xl: 1.25rem;
  --text-2xl: 1.5rem;
  --text-3xl: 1.875rem;
  --text-4xl: 2.25rem;
  --text-5xl: 3rem;
  --text-6xl: 3.75rem;

  /* Spacing */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Border Radius */
  --radius-sm: 6px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;
  --radius-2xl: 20px;
  --radius-full: 50%;

  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -2px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -4px rgba(0, 0, 0, 0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.1);
  --shadow-2xl: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
  --shadow-card: 0 1px 3px 0 rgba(0, 0, 0, 0.06), 0 1px 2px -1px rgba(0, 0, 0, 0.06);
  --shadow-card-hover: 0 10px 40px -10px rgba(0, 0, 0, 0.15);

  /* Transitions */
  --transition-fast: 150ms ease;
  --transition-base: 250ms ease;
  --transition-slow: 350ms ease;
  --transition-spring: 500ms cubic-bezier(0.34, 1.56, 0.64, 1);

  /* Glass Effect */
  --glass-bg: rgba(255, 255, 255, 0.08);
  --glass-bg-light: rgba(255, 255, 255, 0.95);
  --glass-border: rgba(255, 255, 255, 0.15);
  --glass-blur: blur(20px);

  /* Sizes */
  --navbar-height: 80px;
  --container-max: 1280px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-primary);
  font-size: var(--text-base);
  line-height: 1.6;
  color: var(--color-text-primary);
  background-color: var(--color-white);
  overflow-x: hidden;
}

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

a {
  color: var(--color-deep-navy);
  text-decoration: none;
  transition: color var(--transition-base);
}
a:hover {
  color: var(--color-gold);
}

ul, ol {
  list-style: none;
}

h1, h2, h3, h4, h5, h6 {
  font-weight: 600;
  line-height: 1.25;
  color: var(--color-text-primary);
}

h1 { font-size: var(--text-5xl); }
h2 { font-size: var(--text-4xl); }
h3 { font-size: var(--text-3xl); }
h4 { font-size: var(--text-2xl); }
h5 { font-size: var(--text-xl); }
h6 { font-size: var(--text-lg); }

p {
  color: var(--color-text-secondary);
  line-height: 1.7;
}

/* -----------------------------------------------------------------------
   3. Container & Grid
   ------------------------------------------------------------------------ */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-6);
}

.container-narrow {
  max-width: 900px;
}

.container-wide {
  max-width: 1440px;
}

.section {
  padding: var(--space-24) 0;
}

.section-sm {
  padding: var(--space-12) 0;
}

.section-dark {
  background-color: var(--color-off-white);
  color: var(--color-text-primary);
}

.section-light {
  background-color: var(--color-off-white);
}

/* -----------------------------------------------------------------------
   4. Typography Utilities
   ------------------------------------------------------------------------ */
.text-gradient {
  background: linear-gradient(135deg, var(--color-gold), #e6c15a);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.text-gold {
  color: var(--color-gold);
}

.text-navy {
  color: var(--color-deep-navy);
}

.text-muted {
  color: var(--color-text-muted);
}

.section-label {
  display: inline-block;
  font-size: var(--text-sm);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--color-gold);
  margin-bottom: var(--space-3);
}

.section-title {
  font-size: var(--text-4xl);
  font-weight: 700;
  margin-bottom: var(--space-4);
}

.section-subtitle {
  font-size: var(--text-lg);
  color: var(--color-text-secondary);
  max-width: 600px;
  line-height: 1.7;
}

.display-1 {
  font-size: var(--text-6xl);
  font-weight: 700;
  line-height: 1.1;
}

.display-2 {
  font-size: var(--text-5xl);
  font-weight: 700;
  line-height: 1.15;
}

/* -----------------------------------------------------------------------
   5. Buttons
   ------------------------------------------------------------------------ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 0.75rem 1.25rem;
  font-family: var(--font-primary);
  font-size: var(--text-sm);
  font-weight: 600;
  line-height: 1.3;
  text-align: center;
  border: 2px solid transparent;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-base);
  text-decoration: none;
}

.btn:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn:active {
  transform: translateY(0);
}

.btn-primary {
  background: linear-gradient(135deg, var(--color-royal-blue), #1a4a8a);
  color: var(--color-white);
  border-color: transparent;
}
.btn-primary:hover {
  background: linear-gradient(135deg, #1a4a8a, #0f3570);
  color: var(--color-white);
  box-shadow: 0 8px 25px -5px rgba(26, 86, 219, 0.35);
}

.btn-gold {
  background: linear-gradient(135deg, var(--color-gold), #c49632);
  color: var(--color-white);
  border-color: transparent;
}
.btn-gold:hover {
  background: linear-gradient(135deg, #c49632, #a8812a);
  color: var(--color-white);
  box-shadow: 0 8px 25px -5px rgba(212, 168, 67, 0.4);
}

.btn-outline {
  background: transparent;
  color: var(--color-royal-blue);
  border-color: var(--color-royal-blue);
}
.btn-outline:hover {
  background: var(--color-royal-blue);
  color: var(--color-white);
}

.btn-outline-primary {
  background: transparent;
  color: var(--color-royal-blue);
  border-color: var(--color-royal-blue);
}
.btn-outline-primary:hover {
  background: var(--color-royal-blue);
  color: var(--color-white);
}

.btn-outline-gold {
  background: transparent;
  color: var(--color-gold);
  border-color: var(--color-gold);
}
.btn-outline-gold:hover {
  background: var(--color-gold);
  color: var(--color-white);
}

.btn-lg {
  padding: 1rem 2.5rem;
  font-size: var(--text-base);
  border-radius: var(--radius-lg);
}

.btn-sm {
  padding: 0.5rem 1.25rem;
  font-size: var(--text-xs);
}

.btn-icon {
  width: 44px;
  height: 44px;
  padding: 0;
  border-radius: var(--radius-full);
}

/* -----------------------------------------------------------------------
   6. Header & Navigation
   ------------------------------------------------------------------------ */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--navbar-height);
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.5);
  transition: all var(--transition-base);
}

.navbar.scrolled {
  box-shadow: 0 4px 30px rgba(0, 0, 0, 0.08);
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  z-index: 1001;
  position: relative;
}

.navbar-brand .logo-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--color-royal-blue), var(--color-deep-navy));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-white);
  font-weight: 800;
  font-size: var(--text-lg);
}

.navbar-brand .logo-text {
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-deep-navy);
}
.navbar-brand .logo-text span {
  color: var(--color-deep-navy);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: var(--space-1);
}

.nav-link {
  padding: var(--space-2) var(--space-4);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text-secondary);
  border-radius: var(--radius-md);
  transition: all var(--transition-base);
  text-decoration: none;
  position: relative;
}

.nav-link:hover,
.nav-link.active {
  color: var(--color-royal-blue);
  background: rgba(26, 86, 219, 0.04);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 50%;
  transform: translateX(-50%);
  width: 20px;
  height: 3px;
  background: var(--color-royal-blue);
  border-radius: var(--radius-full);
}

.nav-cta {
  margin-left: var(--space-4);
}

/* Dropdown */
.nav-dropdown {
  position: relative;
}

.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 220px;
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: var(--space-3);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition-base);
  z-index: 100;
  border: 1px solid var(--color-border);
}

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

.nav-dropdown-link {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  text-decoration: none;
}
.nav-dropdown-link:hover {
  background: rgba(26, 86, 219, 0.04);
  color: var(--color-royal-blue);
}

/* Mobile Toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 28px;
  height: 28px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  z-index: 1001;
  position: relative;
}

.nav-toggle span {
  display: block;
  width: 100%;
  height: 2.5px;
  background: var(--color-deep-navy);
  border-radius: 2px;
  transition: all var(--transition-base);
}

.nav-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.nav-toggle.active span:nth-child(2) {
  opacity: 0;
}
.nav-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* -----------------------------------------------------------------------
   7. Hero Section
   ------------------------------------------------------------------------ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--color-off-white);
  overflow: hidden;
  padding-top: var(--navbar-height);
}

.hero .container {
  position: relative;
  z-index: 2;
}

.hero-content {
  max-width: 640px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: 50px;
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-gold);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: var(--space-6);
}

.hero-title {
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 700;
  color: var(--color-deep-navy);
  line-height: 1.1;
  margin-bottom: var(--space-6);
}

.hero-title .highlight {
  background: linear-gradient(135deg, var(--color-gold), #e6c15a);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-description {
  font-size: var(--text-lg);
  color: var(--color-text-secondary);
  line-height: 1.7;
  margin-bottom: var(--space-8);
  max-width: 540px;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  flex-wrap: wrap;
  margin-bottom: var(--space-12);
}

.hero-stats {
  display: flex;
  gap: var(--space-10);
  flex-wrap: wrap;
}

.hero-stat-item h3 {
  font-size: var(--text-3xl);
  font-weight: 700;
  color: var(--color-deep-navy);
}

.hero-stat-item p {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
}

/* Hero Form Card */
.hero-form-card {
  position: relative;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
  width: 100%;
  max-width: 440px;
  justify-self: end;
  box-shadow: var(--shadow-card-hover);
}

.hero-form-card h4 {
  color: var(--color-deep-navy);
  font-size: var(--text-xl);
  margin-bottom: var(--space-2);
}

.hero-form-card p {
  color: var(--color-text-secondary);
  font-size: var(--text-sm);
  margin-bottom: var(--space-6);
}

.form-group {
  margin-bottom: var(--space-4);
}

.form-group label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text-secondary);
  margin-bottom: var(--space-2);
}

.form-control {
  width: 100%;
  padding: 0.85rem 1rem;
  font-family: var(--font-primary);
  font-size: var(--text-sm);
  color: var(--color-text-primary);
  background: var(--color-white);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  transition: all var(--transition-base);
  outline: none;
}

.form-control:focus {
  border-color: var(--color-royal-blue);
  box-shadow: 0 0 0 3px rgba(26, 86, 219, 0.12);
}

.form-control.dark-input {
  background: var(--color-off-white);
  border-color: var(--color-border);
  color: var(--color-text-primary);
}
.form-control.dark-input::placeholder {
  color: var(--color-text-muted);
}
.form-control.dark-input:focus {
  border-color: var(--color-royal-blue);
  box-shadow: 0 0 0 3px rgba(26, 86, 219, 0.12);
}

select.form-control {
  -webkit-appearance: none;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

/* -----------------------------------------------------------------------
   8. Section Styles
   ------------------------------------------------------------------------ */
.section-header {
  text-align: center;
  margin-bottom: var(--space-16);
}

.section-header-left {
  text-align: left;
  margin-bottom: var(--space-12);
}

/* -----------------------------------------------------------------------
   9. Cards
   ------------------------------------------------------------------------ */
.card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  padding: var(--space-8);
  transition: all var(--transition-base);
  position: relative;
  overflow: hidden;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
  border-color: transparent;
}

.card-icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-5);
  font-size: var(--text-2xl);
}

.card-icon.blue {
  background: rgba(26, 86, 219, 0.08);
  color: var(--color-royal-blue);
}

.card-icon.gold {
  background: rgba(212, 168, 67, 0.1);
  color: var(--color-gold);
}

.card-icon.green {
  background: rgba(16, 185, 129, 0.1);
  color: var(--color-success);
}

.card-icon.purple {
  background: rgba(139, 92, 246, 0.1);
  color: #8B5CF6;
}

.card-icon.red {
  background: rgba(239, 68, 68, 0.1);
  color: var(--color-error);
}

.card h4 {
  font-size: var(--text-xl);
  margin-bottom: var(--space-3);
}

.card p {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: 1.7;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  margin-top: var(--space-4);
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-deep-navy);
  transition: all var(--transition-base);
}
.card-link:hover {
  gap: var(--space-3);
  color: var(--color-gold);
}

/* Service Card */
.service-card {
  text-align: center;
  padding: var(--space-10) var(--space-8);
}
.service-card .card-icon {
  margin: 0 auto var(--space-5);
}

/* Loan Card */
.loan-card {
  overflow: hidden;
}

.loan-card .loan-image {
  height: 200px;
  background-size: cover;
  background-position: center;
  margin: calc(-1 * var(--space-8));
  margin-bottom: var(--space-6);
}

.loan-card .loan-badge {
  display: inline-block;
  padding: var(--space-1) var(--space-3);
  background: rgba(212, 168, 67, 0.1);
  color: var(--color-gold);
  font-size: var(--text-xs);
  font-weight: 600;
  border-radius: var(--radius-sm);
  margin-bottom: var(--space-3);
}

.loan-card .loan-rate {
  font-size: var(--text-3xl);
  font-weight: 700;
  color: var(--color-deep-navy);
  margin: var(--space-3) 0;
}
.loan-card .loan-rate span {
  font-size: var(--text-sm);
  font-weight: 400;
  color: var(--color-text-muted);
}

.loan-card .loan-features {
  margin: var(--space-4) 0;
  padding: 0;
  list-style: none;
}

.loan-card .loan-features li {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) 0;
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  border-bottom: 1px solid var(--color-border);
}
.loan-card .loan-features li:last-child {
  border-bottom: none;
}
.loan-card .loan-features li::before {
  content: '✓';
  color: var(--color-success);
  font-weight: 700;
}

/* -----------------------------------------------------------------------
   10. Stats Section
   ------------------------------------------------------------------------ */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-8);
}

.stat-item {
  text-align: center;
  padding: var(--space-8);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  transition: all var(--transition-base);
}
.stat-item:hover {
  background: var(--color-off-white);
  transform: translateY(-4px);
}

.stat-number {
  font-size: var(--text-5xl);
  font-weight: 700;
  color: var(--color-gold);
  line-height: 1;
  margin-bottom: var(--space-2);
  font-family: var(--font-mono);
}

.stat-label {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  font-weight: 500;
}

.stat-icon {
  font-size: var(--text-2xl);
  margin-bottom: var(--space-4);
}

/* -----------------------------------------------------------------------
   11. Why Choose Us
   ------------------------------------------------------------------------ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
}

.why-item {
  display: flex;
  gap: var(--space-5);
  padding: var(--space-6);
  border-radius: var(--radius-lg);
  transition: all var(--transition-base);
}
.why-item:hover {
  background: var(--color-off-white);
}

.why-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(26, 86, 219, 0.08);
  border-radius: var(--radius-md);
  color: var(--color-royal-blue);
  font-size: var(--text-xl);
}

.why-content h5 {
  font-size: var(--text-base);
  margin-bottom: var(--space-1);
}
.why-content p {
  font-size: var(--text-sm);
}

/* -----------------------------------------------------------------------
   12. Testimonials
   ------------------------------------------------------------------------ */
.testimonial-card {
  background: var(--color-white);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  border: 1px solid var(--color-border);
  position: relative;
}

.testimonial-card::before {
  content: '"';
  position: absolute;
  top: var(--space-6);
  left: var(--space-8);
  font-size: 4rem;
  line-height: 1;
  color: var(--color-gold);
  opacity: 0.2;
  font-family: Georgia, serif;
}

.testimonial-stars {
  display: flex;
  gap: 2px;
  margin-bottom: var(--space-4);
  color: var(--color-gold);
}

.testimonial-text {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: 1.8;
  margin-bottom: var(--space-6);
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--space-4);
}

.testimonial-avatar {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-full);
  object-fit: cover;
  background: var(--color-light-gray);
}

.testimonial-info h6 {
  font-size: var(--text-sm);
  margin-bottom: 2px;
}
.testimonial-info span {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

/* -----------------------------------------------------------------------
   13. Partners Carousel
   ------------------------------------------------------------------------ */
.partners-track {
  display: flex;
  gap: var(--space-10);
  animation: scroll 30s linear infinite;
}

.partner-logo {
  flex-shrink: 0;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 var(--space-4);
  filter: grayscale(100%);
  opacity: 0.5;
  transition: all var(--transition-base);
}

.partner-logo:hover {
  filter: grayscale(0%);
  opacity: 1;
}

.partner-logo img {
  max-height: 100%;
  width: auto;
}

@keyframes scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.partners-wrapper {
  overflow: hidden;
  position: relative;
}

.partners-wrapper::before,
.partners-wrapper::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 100px;
  z-index: 2;
  pointer-events: none;
}

.partners-wrapper::before {
  left: 0;
  background: linear-gradient(to right, var(--color-white), transparent);
}

.partners-wrapper::after {
  right: 0;
  background: linear-gradient(to left, var(--color-white), transparent);
}

/* -----------------------------------------------------------------------
   14. Blog Cards
   ------------------------------------------------------------------------ */
.blog-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  transition: all var(--transition-base);
}

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

.blog-card-image {
  height: 220px;
  background-size: cover;
  background-position: center;
  position: relative;
}

.blog-card-category {
  position: absolute;
  top: var(--space-4);
  left: var(--space-4);
  padding: var(--space-1) var(--space-3);
  background: var(--color-gold);
  color: var(--color-white);
  font-size: var(--text-xs);
  font-weight: 600;
  border-radius: var(--radius-sm);
}

.blog-card-body {
  padding: var(--space-6);
}

.blog-card-meta {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-bottom: var(--space-3);
}

.blog-card-body h5 {
  font-size: var(--text-lg);
  margin-bottom: var(--space-3);
  line-height: 1.4;
}

.blog-card-body p {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  margin-bottom: var(--space-4);
}

/* -----------------------------------------------------------------------
   15. CTA Section
   ------------------------------------------------------------------------ */
.cta-section {
  background: var(--color-off-white);
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(212, 168, 67, 0.1), transparent);
  border-radius: var(--radius-full);
}

.cta-content {
  text-align: center;
  position: relative;
  z-index: 2;
  max-width: 700px;
  margin: 0 auto;
}

.cta-content h2 {
  color: var(--color-deep-navy);
  margin-bottom: var(--space-4);
}

.cta-content p {
  color: var(--color-text-secondary);
  font-size: var(--text-lg);
  margin-bottom: var(--space-8);
}

.cta-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
  flex-wrap: wrap;
}

/* -----------------------------------------------------------------------
   16. Footer
   ------------------------------------------------------------------------ */
.footer {
  background: var(--color-white);
  color: var(--color-text-secondary);
  padding: var(--space-20) 0 0;
  border-top: 1px solid var(--color-border);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: var(--space-12);
  margin-bottom: var(--space-16);
}

.footer-brand h4 {
  color: var(--color-deep-navy);
  font-size: var(--text-2xl);
  margin-bottom: var(--space-4);
}
.footer-brand h4 span {
  color: var(--color-gold);
}

.footer-brand p {
  color: var(--color-text-secondary);
  font-size: var(--text-sm);
  line-height: 1.7;
  margin-bottom: var(--space-6);
}

.footer-social {
  display: flex;
  gap: var(--space-3);
}

.footer-social a {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-off-white);
  border-radius: var(--radius-md);
  color: var(--color-text-muted);
  font-size: var(--text-sm);
  transition: all var(--transition-base);
  text-decoration: none;
}

.footer-social a:hover {
  background: var(--color-gold);
  color: var(--color-white);
}

.footer h5 {
  color: var(--color-deep-navy);
  font-size: var(--text-sm);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: var(--space-6);
}

.footer-links li {
  margin-bottom: var(--space-3);
}

.footer-links a {
  color: var(--color-text-secondary);
  font-size: var(--text-sm);
  transition: all var(--transition-base);
  text-decoration: none;
}
.footer-links a:hover {
  color: var(--color-gold);
  padding-left: var(--space-2);
}

.footer-contact li {
  display: flex;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
}

.footer-contact li i {
  color: var(--color-gold);
  flex-shrink: 0;
  margin-top: 3px;
}

.footer-bottom {
  border-top: 1px solid var(--color-border);
  padding: var(--space-6) 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-4);
}

.footer-bottom p {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

.footer-bottom-links {
  display: flex;
  gap: var(--space-6);
}

.footer-bottom-links a {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-decoration: none;
  transition: color var(--transition-base);
}
.footer-bottom-links a:hover {
  color: var(--color-gold);
}

/* -----------------------------------------------------------------------
   17. Page Hero / Banner
   ------------------------------------------------------------------------ */
.page-hero {
  padding: calc(var(--navbar-height) + var(--space-20)) 0 var(--space-20);
  background: var(--color-off-white);
  position: relative;
  overflow: hidden;
}

.page-hero-sm {
  padding: calc(var(--navbar-height) + var(--space-16)) 0 var(--space-16);
}

.page-hero h1 {
  color: var(--color-deep-navy);
  font-size: var(--text-5xl);
  margin-bottom: var(--space-4);
}

.page-hero p {
  color: var(--color-text-secondary);
  font-size: var(--text-lg);
  max-width: 600px;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  margin-bottom: var(--space-6);
  font-size: var(--text-sm);
}

.breadcrumb a {
  color: var(--color-text-muted);
  text-decoration: none;
}

.breadcrumb span {
  color: var(--color-deep-navy);
  font-weight: 600;
}

.breadcrumb .sep {
  color: var(--color-border);
}

/* -----------------------------------------------------------------------
   18. About Page
   ------------------------------------------------------------------------ */
.mission-vision-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
}

.mv-card {
  padding: var(--space-10);
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  transition: all var(--transition-base);
}

.mv-card:hover {
  box-shadow: var(--shadow-card-hover);
}

.mv-card .icon {
  font-size: var(--text-4xl);
  margin-bottom: var(--space-4);
}

/* Timeline */
.timeline {
  position: relative;
  padding-left: var(--space-8);
}

.timeline::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--color-gold), #e6c15a);
}

.timeline-item {
  position: relative;
  padding-bottom: var(--space-10);
  padding-left: var(--space-8);
}

.timeline-item::before {
  content: '';
  position: absolute;
  left: calc(-1 * var(--space-8) - 5px);
  top: 4px;
  width: 12px;
  height: 12px;
  border-radius: var(--radius-full);
  background: var(--color-white);
  border: 3px solid var(--color-gold);
}

.timeline-item .year {
  font-size: var(--text-xs);
  font-weight: 700;
  color: var(--color-gold);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: var(--space-2);
}

.timeline-item h5 {
  margin-bottom: var(--space-2);
}

.timeline-item p {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
}

/* Team Grid */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-8);
}

.team-card {
  text-align: center;
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid var(--color-border);
  transition: all var(--transition-base);
}

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

.team-image {
  width: 100%;
  height: 280px;
  object-fit: cover;
  background: var(--color-light-gray);
}

.team-info {
  padding: var(--space-6);
}

.team-info h5 {
  font-size: var(--text-lg);
  margin-bottom: var(--space-1);
}

.team-info .designation {
  font-size: var(--text-sm);
  color: var(--color-royal-blue);
  font-weight: 500;
  margin-bottom: var(--space-3);
}

.team-info p {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
}

/* Achievement Cards */
.achievement-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.achievement-card {
  text-align: center;
  padding: var(--space-8) var(--space-6);
  background: var(--color-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  transition: all var(--transition-base);
}

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

.achievement-number {
  font-size: var(--text-4xl);
  font-weight: 700;
  background: linear-gradient(135deg, var(--color-gold), #c49632);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
  margin-bottom: var(--space-2);
  font-family: var(--font-mono);
}

/* -----------------------------------------------------------------------
   19. Services Page
   ------------------------------------------------------------------------ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

/* -----------------------------------------------------------------------
   20. Loan Detail
   ------------------------------------------------------------------------ */
.loan-detail-hero {
  background: var(--color-off-white);
  padding: calc(var(--navbar-height) + var(--space-16)) 0 var(--space-16);
  color: var(--color-deep-navy);
}

.loan-detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  align-items: center;
}

.loan-detail-hero h1 {
  font-size: var(--text-5xl);
  margin-bottom: var(--space-4);
}

.loan-detail-hero .rate-badge {
  display: inline-block;
  padding: var(--space-2) var(--space-5);
  background: rgba(212, 168, 67, 0.15);
  border: 1px solid rgba(212, 168, 67, 0.3);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-6);
}

.loan-detail-hero .rate-badge span {
  font-size: var(--text-3xl);
  font-weight: 700;
  color: var(--color-gold);
}

/* Loan Detail - Intro Section */
.loan-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  align-items: start;
}

.loan-rate-display {
  display: flex;
  align-items: baseline;
  gap: var(--space-2);
  margin-bottom: var(--space-4);
}

.loan-rate-display .rate-value {
  font-size: var(--text-4xl);
  font-weight: 800;
  color: var(--color-gold);
  font-family: var(--font-mono);
}

.loan-rate-display .rate-unit {
  font-size: var(--text-lg);
  color: var(--color-text-muted);
}

/* Loan Detail - Features Grid */
.loan-features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.loan-features-grid .card {
  text-align: center;
  padding: var(--space-8);
}

.loan-features-grid .card .card-icon {
  margin: 0 auto var(--space-4);
}

/* Loan Detail - Documents Grid */
.loan-docs-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-4);
  max-width: 700px;
  margin: 0 auto;
}

.loan-doc-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-3);
  background: var(--color-off-white);
  border-radius: var(--radius-lg);
}

.loan-doc-item i {
  color: var(--color-royal-blue);
  font-size: 1.25rem;
}

/* Loan Detail - Section Spacing Fix */
.loan-intro-section {
  padding-top: 0;
}

.eligibility-table {
  width: 100%;
  border-collapse: collapse;
}

.eligibility-table th,
.eligibility-table td {
  padding: var(--space-3) var(--space-4);
  text-align: left;
  border-bottom: 1px solid var(--color-border);
  font-size: var(--text-sm);
}

.eligibility-table th {
  background: var(--color-off-white);
  font-weight: 600;
  color: var(--color-text-primary);
}

.doc-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

.doc-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-4);
  background: var(--color-off-white);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
}
.doc-item::before {
  content: '📄';
}

/* Process Steps */
.process-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: var(--space-6);
}

.process-step {
  text-align: center;
  padding: var(--space-6);
  position: relative;
}

.process-step .step-number {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--color-royal-blue), #1a4a8a);
  color: var(--color-white);
  font-weight: 700;
  border-radius: var(--radius-full);
  margin: 0 auto var(--space-4);
  font-size: var(--text-lg);
}

.process-step h6 {
  margin-bottom: var(--space-2);
}

.process-step p {
  font-size: var(--text-xs);
  color: var(--color-text-secondary);
}

/* -----------------------------------------------------------------------
   21. Calculators
   ------------------------------------------------------------------------ */
.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-10);
  background: var(--color-white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  padding: var(--space-10);
  box-shadow: var(--shadow-lg);
}

.calculator-inputs .form-group {
  margin-bottom: var(--space-6);
}

.calculator-inputs .form-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--color-text-primary);
  font-weight: 500;
}

.calculator-inputs .form-group label .value {
  font-family: var(--font-mono);
  font-weight: 700;
  color: var(--color-royal-blue);
}

.range-slider {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--color-border);
  border-radius: 3px;
  outline: none;
  margin-top: var(--space-2);
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: var(--radius-full);
  background: linear-gradient(135deg, var(--color-royal-blue), #1a4a8a);
  cursor: pointer;
  box-shadow: var(--shadow-md);
  transition: all var(--transition-fast);
}

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

.range-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: var(--radius-full);
  background: linear-gradient(135deg, var(--color-royal-blue), #1a4a8a);
  cursor: pointer;
  border: none;
}

.calculator-result {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  padding: var(--space-8);
  background: var(--color-off-white);
  border-radius: var(--radius-lg);
}

.calculator-result .emi-amount {
  font-size: var(--text-5xl);
  font-weight: 700;
  color: var(--color-deep-navy);
  font-family: var(--font-mono);
  margin-bottom: var(--space-2);
}

.calculator-result .emi-label {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  margin-bottom: var(--space-6);
}

.calculator-result .result-details {
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-top: var(--space-6);
}

.result-detail-card {
  padding: var(--space-4);
  background: var(--color-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}

.result-detail-card .label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: var(--space-1);
}

.result-detail-card .value {
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text-primary);
  font-family: var(--font-mono);
}

.chart-container {
  max-width: 240px;
  margin: var(--space-6) auto;
}

.amortization-table {
  width: 100%;
  max-height: 300px;
  overflow-y: auto;
  border-collapse: collapse;
  font-size: var(--text-sm);
}

.amortization-table th {
  position: sticky;
  top: 0;
  background: var(--color-light-gray);
  color: var(--color-deep-navy);
  padding: var(--space-3);
  font-weight: 600;
  text-align: left;
}

.amortization-table td {
  padding: var(--space-2) var(--space-3);
  border-bottom: 1px solid var(--color-border);
  font-family: var(--font-mono);
  font-size: var(--text-xs);
}

.amortization-table tr:nth-child(even) {
  background: var(--color-off-white);
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.calc-card {
  text-align: center;
  padding: var(--space-8);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  transition: all var(--transition-base);
  cursor: pointer;
}
.calc-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
  border-color: var(--color-royal-blue);
}

.calc-card .icon {
  font-size: var(--text-4xl);
  margin-bottom: var(--space-4);
}

.calc-card h5 {
  margin-bottom: var(--space-2);
}

.calc-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

/* -----------------------------------------------------------------------
   22. Blog Pages
   ------------------------------------------------------------------------ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.blog-sidebar {
  position: sticky;
  top: calc(var(--navbar-height) + var(--space-8));
}

.blog-sidebar .widget {
  padding: var(--space-6);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-6);
}

.blog-sidebar .widget-title {
  font-size: var(--text-lg);
  margin-bottom: var(--space-4);
  padding-bottom: var(--space-3);
  border-bottom: 2px solid var(--color-off-white);
}

.search-box {
  display: flex;
  gap: 0;
}

.search-box input {
  flex: 1;
  padding: 0.7rem 1rem;
  border: 2px solid var(--color-border);
  border-right: none;
  border-radius: var(--radius-md) 0 0 var(--radius-md);
  font-family: var(--font-primary);
  font-size: var(--text-sm);
  outline: none;
}
.search-box input:focus {
  border-color: var(--color-royal-blue);
}

.search-box button {
  padding: 0.7rem 1rem;
  background: var(--color-royal-blue);
  color: var(--color-white);
  border: none;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  cursor: pointer;
}

.categories-list li {
  padding: var(--space-2) 0;
  border-bottom: 1px solid var(--color-border);
}
.categories-list li:last-child {
  border-bottom: none;
}

.categories-list a {
  display: flex;
  justify-content: space-between;
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
}
.categories-list a:hover {
  color: var(--color-royal-blue);
}

/* Blog Single */
.blog-single-layout {
  display: grid;
  grid-template-columns: 2.5fr 1fr;
  gap: var(--space-10);
}

.blog-single-content .featured-image {
  width: 100%;
  height: 450px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-8);
}

.blog-single-content h2 {
  margin: var(--space-10) 0 var(--space-4);
}

.blog-single-content p {
  margin-bottom: var(--space-4);
  line-height: 1.8;
}

.blog-single-content ul {
  list-style: disc;
  padding-left: var(--space-6);
  margin-bottom: var(--space-4);
}

.blog-single-content ul li {
  margin-bottom: var(--space-2);
  color: var(--color-text-secondary);
}

/* -----------------------------------------------------------------------
   23. Gallery
   ------------------------------------------------------------------------ */
.gallery-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-4);
}

.gallery-item {
  border-radius: var(--radius-lg);
  overflow: hidden;
  cursor: pointer;
  position: relative;
  aspect-ratio: 1;
}

.gallery-item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: all var(--transition-base);
}

.gallery-item:hover img {
  transform: scale(1.08);
}

.gallery-item .overlay {
  position: absolute;
  inset: 0;
  background: rgba(10, 31, 68, 0.6);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transition: all var(--transition-base);
}

.gallery-item:hover .overlay {
  opacity: 1;
}

.gallery-item .overlay span {
  color: var(--color-white);
  font-size: var(--text-2xl);
}

/* -----------------------------------------------------------------------
   24. Contact Page
   ------------------------------------------------------------------------ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
}

.contact-info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-6);
}

.contact-card {
  padding: var(--space-6);
  background: var(--color-off-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  transition: all var(--transition-base);
}
.contact-card:hover {
  box-shadow: var(--shadow-card-hover);
}

.contact-card .icon {
  font-size: var(--text-2xl);
  color: var(--color-royal-blue);
  margin-bottom: var(--space-3);
}

.contact-card h6 {
  font-size: var(--text-sm);
  margin-bottom: var(--space-2);
}

.contact-card p {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
}

.contact-form-wrapper {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
  box-shadow: var(--shadow-lg);
}

.map-wrapper {
  height: 400px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--color-light-gray);
}

.map-wrapper iframe {
  width: 100%;
  height: 100%;
  border: none;
}

/* -----------------------------------------------------------------------
   25. WhatsApp Float Button
   ------------------------------------------------------------------------ */
.whatsapp-float {
  position: fixed;
  bottom: var(--space-6);
  right: var(--space-6);
  width: 56px;
  height: 56px;
  background: #25D366;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-white);
  font-size: var(--text-2xl);
  box-shadow: 0 4px 20px rgba(37, 211, 102, 0.4);
  z-index: 999;
  transition: all var(--transition-base);
  text-decoration: none;
}

.whatsapp-float:hover {
  transform: scale(1.1);
  color: var(--color-white);
  box-shadow: 0 8px 30px rgba(37, 211, 102, 0.5);
}

/* -----------------------------------------------------------------------
   26. Back to Top
   ------------------------------------------------------------------------ */
.back-to-top {
  position: fixed;
  bottom: var(--space-6);
  left: var(--space-6);
  width: 44px;
  height: 44px;
  background: var(--color-royal-blue);
  color: var(--color-white);
  border: none;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: all var(--transition-base);
  z-index: 999;
  box-shadow: var(--shadow-lg);
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background: #1a4a8a;
  transform: translateY(-4px);
}

/* -----------------------------------------------------------------------
   27. FAQ Accordion
   ------------------------------------------------------------------------ */
.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-4);
  overflow: hidden;
  transition: all var(--transition-base);
}

.faq-item:hover {
  border-color: var(--color-royal-blue);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-5) var(--space-6);
  cursor: pointer;
  font-weight: 500;
  font-size: var(--text-base);
  background: var(--color-white);
  transition: all var(--transition-base);
}

.faq-question .toggle-icon {
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-off-white);
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  transition: all var(--transition-base);
  flex-shrink: 0;
}

.faq-item.active .faq-question {
  color: var(--color-royal-blue);
}

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

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: all var(--transition-base);
  padding: 0 var(--space-6);
}

.faq-item.active .faq-answer {
  max-height: 500px;
  padding: 0 var(--space-6) var(--space-6);
}

.faq-answer p {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: 1.8;
}

/* -----------------------------------------------------------------------
   28. Modal
   ------------------------------------------------------------------------ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  -webkit-backdrop-filter: blur(4px);
  backdrop-filter: blur(4px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-base);
  padding: var(--space-6);
}

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

.modal {
  background: var(--color-white);
  border-radius: var(--radius-xl);
  max-width: 600px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  transform: scale(0.9) translateY(20px);
  transition: all var(--transition-base);
}

.modal-overlay.active .modal {
  transform: scale(1) translateY(0);
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-6) var(--space-8);
  border-bottom: 1px solid var(--color-border);
}

.modal-header h3 {
  font-size: var(--text-xl);
}

.modal-close {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: none;
  border: none;
  font-size: var(--text-xl);
  cursor: pointer;
  color: var(--color-text-muted);
  border-radius: var(--radius-full);
  transition: all var(--transition-fast);
}
.modal-close:hover {
  background: var(--color-off-white);
  color: var(--color-text-primary);
}

.modal-body {
  padding: var(--space-8);
}

/* -----------------------------------------------------------------------
   29. Tabs
   ------------------------------------------------------------------------ */
.tabs {
  display: flex;
  gap: var(--space-1);
  margin-bottom: var(--space-8);
  border-bottom: 2px solid var(--color-border);
  padding-bottom: 0;
  overflow-x: auto;
}

.tab {
  padding: var(--space-3) var(--space-6);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text-secondary);
  background: none;
  border: none;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  cursor: pointer;
  transition: all var(--transition-base);
  white-space: nowrap;
}

.tab:hover {
  color: var(--color-royal-blue);
}

.tab.active {
  color: var(--color-royal-blue);
  border-bottom-color: var(--color-royal-blue);
}

.tab-content {
  display: none;
}
.tab-content.active {
  display: block;
}

/* -----------------------------------------------------------------------
   30. Tags
   ------------------------------------------------------------------------ */
.tag {
  display: inline-block;
  padding: var(--space-1) var(--space-3);
  font-size: var(--text-xs);
  font-weight: 500;
  color: var(--color-royal-blue);
  background: rgba(26, 86, 219, 0.08);
  border-radius: var(--radius-sm);
  margin: var(--space-1);
  transition: all var(--transition-fast);
}
.tag:hover {
  background: var(--color-royal-blue);
  color: var(--color-white);
}

/* -----------------------------------------------------------------------
   31. Loading & Empty States
   ------------------------------------------------------------------------ */
.loading-spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--color-border);
  border-top-color: var(--color-gold);
  border-radius: var(--radius-full);
  animation: spin 0.8s linear infinite;
  margin: var(--space-8) auto;
}

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

.empty-state {
  text-align: center;
  padding: var(--space-16);
  color: var(--color-text-muted);
}
.empty-state .icon {
  font-size: 4rem;
  margin-bottom: var(--space-4);
  opacity: 0.3;
}

/* -----------------------------------------------------------------------
   32. Toast Notifications
   ------------------------------------------------------------------------ */
.toast-container {
  position: fixed;
  top: calc(var(--navbar-height) + var(--space-4));
  right: var(--space-6);
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.toast {
  padding: var(--space-4) var(--space-6);
  background: var(--color-white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  border-left: 4px solid var(--color-royal-blue);
  font-size: var(--text-sm);
  min-width: 300px;
  animation: slideInRight 0.3s ease;
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.toast.success {
  border-left-color: var(--color-success);
}
.toast.error {
  border-left-color: var(--color-error);
}
.toast.warning {
  border-left-color: var(--color-warning);
}

@keyframes slideInRight {
  from {
    transform: translateX(100%);
    opacity: 0;
  }
  to {
    transform: translateX(0);
    opacity: 1;
  }
}

/* -----------------------------------------------------------------------
   33. Responsive - Mobile First
   ------------------------------------------------------------------------ */
@media (max-width: 1200px) {
  .team-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--space-8); }
  .gallery-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 992px) {
  .nav-menu {
    position: fixed;
    inset: 0;
    z-index: 999;
    background: var(--color-white);
    flex-direction: column;
    padding: calc(var(--navbar-height) + var(--space-4)) 0 var(--space-8);
    transform: translateY(-100%);
    opacity: 0;
    visibility: hidden;
    transition: all var(--transition-base);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }

  .nav-menu::-webkit-scrollbar { width: 4px; }
  .nav-menu::-webkit-scrollbar-track { background: transparent; }
  .nav-menu::-webkit-scrollbar-thumb { background: var(--color-border); border-radius: 4px; }

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

  .nav-link {
    padding: 14px var(--space-6);
    font-size: var(--text-base);
    border-radius: 0;
    border-bottom: 1px solid var(--color-border);
    width: 100%;
  }

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

  .nav-link.active,
  .nav-link:hover { background: rgba(26, 86, 219, 0.04); }

  .nav-cta {
    margin: var(--space-4) var(--space-6) 0;
    width: auto;
  }
  .nav-cta .btn { width: 100%; padding: 14px 28px; font-size: var(--text-base); }

  .nav-toggle { display: flex; }

  .nav-dropdown { border-bottom: 1px solid var(--color-border); }

  .nav-dropdown > .nav-link {
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: none;
  }

  .nav-dropdown > .nav-link i { font-size: 12px; transition: transform var(--transition-fast); }

  .nav-dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    padding: 0;
    background: var(--color-off-white);
  }

  .nav-dropdown-link {
    padding: 12px var(--space-6) 12px calc(var(--space-6) + var(--space-4));
    font-size: var(--text-sm);
    border-bottom: 1px solid var(--color-border);
    border-radius: 0;
  }

  .nav-dropdown-link:last-child { border-bottom: none; }

  .hero .container {
    grid-template-columns: 1fr;
    gap: var(--space-10);
  }

  .hero-form-card {
    justify-self: stretch;
    max-width: 100%;
  }

  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-detail-grid { grid-template-columns: 1fr; }
  .loan-intro-grid { grid-template-columns: 1fr; }
  .loan-features-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-docs-grid { grid-template-columns: 1fr; }
  .calculator-wrapper { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-single-layout { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .achievement-grid { grid-template-columns: repeat(2, 1fr); }
  .mission-vision-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .contact-info-grid { grid-template-columns: 1fr; }
  .calculator-grid { grid-template-columns: repeat(2, 1fr); }
  .doc-list { grid-template-columns: 1fr; }
  .loan-features-grid { grid-template-columns: 1fr; }
  .loan-intro-grid { gap: var(--space-8); }
  .partners-track { animation-duration: 20s; }
  .calculator-result .result-details { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  :root {
    --navbar-height: 72px;
  }

  .navbar-brand img { height: 42px; }
  .navbar-brand .logo-text { font-size: var(--text-xl); }

  .display-1 { font-size: var(--text-4xl); }
  .display-2 { font-size: var(--text-3xl); }
  h1 { font-size: var(--text-3xl); }
  h2 { font-size: var(--text-2xl); }
  .section { padding: var(--space-16) 0; }
  .section-title { font-size: var(--text-2xl); }

  .hero { min-height: auto; padding: calc(var(--navbar-height) + var(--space-12)) 0 var(--space-12); }
  .hero-stats { gap: var(--space-6); }
  .hero-stat-item h3 { font-size: var(--text-2xl); }
  .hero-actions { flex-direction: column; align-items: stretch; }

  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: var(--space-4); }
  .stat-item { padding: var(--space-6); }
  .stat-number { font-size: var(--text-3xl); }

  .services-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: 1fr; }
  .gallery-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .calculator-grid { grid-template-columns: 1fr; }

  .page-hero { padding: calc(var(--navbar-height) + var(--space-12)) 0 var(--space-12); }
  .page-hero h1 { font-size: var(--text-3xl); }

  .achievement-grid { grid-template-columns: repeat(2, 1fr); gap: var(--space-4); }

  .calculator-wrapper { padding: var(--space-6); }
  .calculator-wrapper-simple { padding: var(--space-6); }
  .calculator-result .emi-amount { font-size: var(--text-3xl); }

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

@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr 1fr; gap: var(--space-3); }
  .team-grid { grid-template-columns: 1fr; }
  .gallery-grid { grid-template-columns: 1fr; }
  .hero-form-card { padding: var(--space-6); }
  .contact-form-wrapper { padding: var(--space-6); }
}

/* -----------------------------------------------------------------------
   34. Responsive Grid Utilities
   ------------------------------------------------------------------------ */

.grid-2-col { display: grid; grid-template-columns: 1fr 1fr; }

.grid-2-col-align-center { display: grid; grid-template-columns: 1fr 1fr; align-items: center; }

.grid-3-col { display: grid; grid-template-columns: repeat(3, 1fr); }

.grid-4-col { display: grid; grid-template-columns: repeat(4, 1fr); }

.grid-sidebar-layout { display: grid; grid-template-columns: 3fr 1fr; gap: var(--space-8); }

.calculator-wrapper-simple {
  background: var(--color-white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  padding: var(--space-10);
  box-shadow: var(--shadow-lg);
}

@media (max-width: 992px) {
  .grid-sidebar-layout { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .grid-2-col,
  .grid-2-col-align-center,
  .grid-3-col,
  .grid-4-col { grid-template-columns: 1fr; }
}

/* -----------------------------------------------------------------------
   35. Print Styles
   ------------------------------------------------------------------------ */
@media print {
  .navbar { display: none; }
  .whatsapp-float { display: none; }
  .back-to-top { display: none; }
  .hero { min-height: auto; padding: var(--space-8) 0; }
  .card { box-shadow: none; border: 1px solid #ddd; }
}