*{margin:0;padding:0;box-sizing:border-box;}
body{font-family:'Inter',sans-serif;color:#222;background:#fff;overflow-x:hidden;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;}

/* ===== TOP BAR ===== */
.top-bar{
  background:#fff;
  border-bottom:1px solid #e8e8e8;
  padding:7px 0;
  font-size:12px;
  color:#333;
}
.top-bar .wrap{
  max-width:1280px;margin:auto;padding:0 24px;
  display:flex;align-items:center;gap:12px;
}
.top-bar span{font-weight:500;}
.top-bar .app-icons{display:flex;gap:8px;}
.top-bar .app-icons a{
  display:flex;align-items:center;gap:4px;
  color:#333;font-size:12px;
  padding:2px 0;
}
.top-bar .app-icons a svg{width:16px;height:16px;}

/* ===== HEADER ===== */
header{
  background:#fff;
  border-bottom:1px solid #e8e8e8;
  position:sticky;top:0;z-index:900;
}
.header-wrap{
  max-width:1280px;margin:auto;padding:0 24px;
  display:flex;align-items:center;gap:20px;height:68px;
}
.logo img{height:44px;}
.logo-svg{display:flex;align-items:center;gap:8px;}
.logo-svg .lt-circle{
  width:44px;height:44px;
  border:2px solid #c00;
  border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  position:relative;
}
.logo-svg .lt-circle::after{
  content:'';position:absolute;
  bottom:-2px;left:50%;transform:translateX(-50%);
  width:0;height:0;
  border-left:6px solid transparent;
  border-right:6px solid transparent;
  border-top:8px solid #c00;
}
.logo-svg .lt-text{font-size:20px;font-weight:700;color:#222;letter-spacing:-0.5px;}
.logo-svg .lt-text span{color:#c00;}

.search-bar{
  flex:1;max-width:480px;
  position:relative;
}
.search-bar input{
  width:100%;padding:10px 44px 10px 16px;
  border:1.5px solid #ddd;border-radius:6px;
  font-size:14px;color:#555;
  font-family:'Inter',sans-serif;
  outline:none;
  transition:border-color 0.2s;
}
.search-bar input:focus{border-color:#1a73e8;}
.search-bar button{
  position:absolute;right:12px;top:50%;transform:translateY(-50%);
  background:none;border:none;cursor:pointer;
  color:#666;
}
.search-bar button svg{width:18px;height:18px;}

nav{display:flex;align-items:center;margin-left:auto;gap:4px;}
nav a{
  font-size:14px;font-weight:500;color:#333;
  padding:8px 12px;border-radius:4px;
  transition:color 0.2s;white-space:nowrap;
}
nav a:hover{color:#1a73e8;}
.btn-login{
  background:#222;color:#fff;
  padding:9px 24px;border-radius:6px;
  font-size:14px;font-weight:600;
  margin-left:8px;
  transition:background 0.2s;
  white-space:nowrap;
}
.btn-login:hover{background:#000;}

.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px;margin-left:auto;}
.hamburger span{display:block;width:22px;height:2px;background:#333;border-radius:2px;}

/* ===== HERO BANNER ===== */
.hero{
  position:relative;
  width:100%;
  height:380px;
  overflow:hidden;
  background:#1565c0;
}
.hero .slide{
  position:absolute;inset:0;
  display:none;
  align-items:center;
}
.hero .slide.active{display:flex;}
/* Slide placeholder - user will replace with real images */
.hero .slide-bg{
  position:absolute;inset:0;
  width:100%;height:100%;
  object-fit:cover;
  object-position:center;
}
.hero .slide-bg-placeholder{
  position:absolute;inset:0;
  width:100%;height:100%;
  background:linear-gradient(120deg,#0d47a1 0%,#1976d2 40%,#42a5f5 100%);
}
.hero-content{
  position:relative;z-index:2;
  padding:0 60px;
  max-width:560px;
}
.hero-content h1{
  font-size:42px;font-weight:700;
  color:#fff;margin-bottom:12px;line-height:1.15;
}
.hero-content p{
  font-size:17px;color:rgba(255,255,255,0.9);
  margin-bottom:28px;
}
.btn-apply-now{
  display:inline-block;
  background:#f9c623;color:#1a1a1a;
  padding:13px 36px;border-radius:6px;
  font-size:15px;font-weight:700;
  transition:background 0.2s,transform 0.1s;
}
.btn-apply-now:hover{background:#f0b800;transform:translateY(-1px);}

/* slider dots */
.hero-dots{
  position:absolute;bottom:18px;left:50%;transform:translateX(-50%);
  display:flex;gap:8px;z-index:5;
}
.hero-dots span{
  width:8px;height:8px;border-radius:50%;
  background:rgba(255,255,255,0.45);cursor:pointer;transition:background 0.2s;
}
.hero-dots span.active{background:#f9c623;width:24px;border-radius:4px;}

/* quick links */
.quick-links-btn{
  position:fixed;right:0;top:50%;transform:translateY(-50%);
  background:#1565c0;color:#fff;
  padding:14px 10px;border-radius:8px 0 0 8px;
  font-size:11px;font-weight:600;
  writing-mode:vertical-rl;text-orientation:mixed;
  letter-spacing:1px;z-index:800;cursor:pointer;
  display:flex;flex-direction:column;align-items:center;gap:6px;
}
.quick-links-btn svg{width:16px;height:16px;transform:rotate(90deg);}

/* ===== LOAN TABS ===== */
.loan-tabs-section{
  background:#fff;
  border-bottom:2px solid #f0f0f0;
  padding:0;
}
.loan-tabs-wrap{
  max-width:1280px;margin:auto;padding:0 24px;
  display:flex;overflow-x:auto;
  scrollbar-width:none;
}
.loan-tabs-wrap::-webkit-scrollbar{display:none;}
.loan-tab-btn{
  flex-shrink:0;
  display:flex;flex-direction:column;align-items:center;gap:8px;
  padding:18px 20px 14px;
  font-size:13px;font-weight:500;color:#444;
  cursor:pointer;border:none;background:none;
  font-family:'Inter',sans-serif;
  position:relative;
  transition:color 0.2s;
  min-width:110px;
  border-bottom:3px solid transparent;
}
.loan-tab-btn .tab-icon{width:36px;height:36px;object-fit:contain;}
.loan-tab-btn .tab-icon-placeholder{
  width:36px;height:36px;
  display:flex;align-items:center;justify-content:center;
  font-size:22px;
}
.loan-tab-btn:hover{color:#1565c0;}
.loan-tab-btn.active{
  color:#1565c0;
  border-bottom-color:#f9c623;
  font-weight:600;
}
.loan-tab-btn.active::after{
  content:'';position:absolute;bottom:-3px;left:50%;transform:translateX(-50%);
  width:100%;height:3px;background:#f9c623;border-radius:2px 2px 0 0;
}

/* ===== LOAN INFO SECTION ===== */
.loan-info-section{
  background:#f7f9fc;padding:32px 0 40px;
}
.loan-info-wrap{
  max-width:1280px;margin:auto;padding:0 24px;
}
.loan-info-top{
  display:flex;align-items:flex-start;gap:28px;
  margin-bottom:28px;
}
.loan-info-img{
  width:110px;flex-shrink:0;
  /* placeholder box */
  background:#e8f0fe;border-radius:12px;
  min-height:140px;
  display:flex;align-items:center;justify-content:center;
  font-size:60px;
}
.loan-info-img img{width:110px;border-radius:12px;}
.loan-info-text{flex:1;}
.loan-info-text h2{font-size:28px;font-weight:700;color:#1a1a1a;margin-bottom:10px;}
.loan-info-text p{font-size:14px;color:#555;line-height:1.7;max-width:700px;}
.loan-info-text p a{color:#1565c0;font-weight:500;}
.loan-info-actions{
  display:flex;flex-direction:column;gap:10px;align-items:flex-end;
  flex-shrink:0;
}
.calc-emi-link{
  display:flex;align-items:center;gap:6px;
  color:#1565c0;font-size:14px;font-weight:500;
}
.calc-emi-link svg{width:16px;height:16px;}
.btn-know-more{
  border:1.5px solid #444;color:#222;background:#fff;
  padding:10px 28px;border-radius:6px;
  font-size:14px;font-weight:600;
  transition:all 0.2s;cursor:pointer;
  font-family:'Inter',sans-serif;
}
.btn-know-more:hover{background:#f5f5f5;}

/* loan cards grid */
.loan-cards-grid{
  display:grid;
  grid-template-columns:repeat(auto-fill,minmax(240px,1fr));
  gap:1px;
  background:#ddd;
  border:1px solid #ddd;border-radius:10px;overflow:hidden;
}
.loan-card{
  background:#fff;padding:22px 20px 18px;
  transition:background 0.15s;
}
.loan-card:hover{background:#f5f8ff;}
.loan-card h4{font-size:16px;font-weight:700;color:#1a1a1a;margin-bottom:8px;}
.loan-card p{font-size:13px;color:#666;line-height:1.55;margin-bottom:18px;}
.loan-card-btns{display:flex;gap:10px;align-items:center;}
.btn-km{
  font-size:13px;color:#1565c0;font-weight:500;
  text-decoration:underline;text-underline-offset:2px;
  background:none;border:none;cursor:pointer;font-family:'Inter',sans-serif;
}
.btn-an{
  background:#f9c623;color:#1a1a1a;
  padding:8px 20px;border-radius:5px;
  font-size:13px;font-weight:700;
  transition:background 0.15s;
  border:none;cursor:pointer;font-family:'Inter',sans-serif;
}
.btn-an:hover{background:#f0b800;}

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

/* ===== CURATED OFFERS ===== */
.offers-section{
  background:#1c1c2e;padding:48px 0 52px;
}
.offers-wrap{max-width:1280px;margin:auto;padding:0 24px;}
.offers-header{
  display:flex;justify-content:space-between;align-items:flex-start;
  margin-bottom:32px;
}
.offers-header h2{font-size:28px;font-weight:700;color:#fff;}
.offers-count-badge{
  font-size:28px;font-weight:800;color:#f9c623;
  line-height:1;
}
.offers-count-badge span{display:block;font-size:13px;font-weight:400;color:rgba(255,255,255,0.6);margin-top:2px;}

/* slider */
.offers-slider-wrap{position:relative;}
.offers-slider{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:16px;
  overflow:hidden;
}
.offer-card{
  background:linear-gradient(135deg,#e3f0fb 0%,#b8dcf5 100%);
  border-radius:12px;
  padding:22px;
  position:relative;
  overflow:hidden;
  min-height:140px;
  display:flex;flex-direction:column;justify-content:space-between;
}
.offer-card h4{font-size:18px;font-weight:700;color:#1a1a1a;margin-bottom:6px;}
.offer-card p{font-size:13px;color:#333;line-height:1.5;flex:1;margin-bottom:14px;}
.offer-card .btn-an{align-self:flex-start;}
.offer-card-img{
  position:absolute;right:-10px;bottom:-10px;
  width:110px;height:110px;
  object-fit:contain;opacity:0.8;
  /* placeholder */
  display:flex;align-items:center;justify-content:center;
  font-size:50px;
}

/* slider nav */
.slider-nav{
  display:flex;justify-content:center;gap:8px;
  margin-top:20px;
}
.slider-nav span{
  width:10px;height:10px;border-radius:50%;
  background:rgba(255,255,255,0.3);cursor:pointer;transition:all 0.2s;
}
.slider-nav span.active{background:#f9c623;width:28px;border-radius:5px;}
.slider-arrow{
  position:absolute;top:50%;transform:translateY(-50%);
  width:36px;height:36px;border-radius:50%;
  background:rgba(255,255,255,0.15);border:none;cursor:pointer;
  color:#fff;font-size:18px;
  display:flex;align-items:center;justify-content:center;
  transition:background 0.2s;z-index:2;
}
.slider-arrow:hover{background:rgba(255,255,255,0.3);}
.slider-arrow.prev{left:-50px;}
.slider-arrow.next{right:-50px;}

/* ===== UTILITIES ===== */
.utilities-section{
  background:#eef3f8;padding:48px 0;
}
.util-wrap{max-width:1280px;margin:auto;padding:0 24px;}
.util-title{font-size:28px;font-weight:700;color:#1a1a1a;margin-bottom:24px;}

/* Rural Marketplace */
.rural-box{
  background:#fff;border-radius:10px;
  padding:22px 24px;margin-bottom:16px;
}
.rural-header{
  display:flex;justify-content:space-between;align-items:center;
  margin-bottom:20px;
}
.rural-header h3{font-size:18px;font-weight:700;}
.rural-header .view-all{
  color:#1565c0;font-size:14px;font-weight:500;
  display:flex;align-items:center;gap:4px;
}
.rural-items{
  display:grid;grid-template-columns:repeat(5,1fr);gap:0;
  border-top:1px solid #f0f0f0;
}
.rural-item{
  display:flex;flex-direction:column;align-items:center;
  padding:18px 10px;gap:10px;
  font-size:13px;font-weight:500;color:#333;
  cursor:pointer;border-right:1px solid #f0f0f0;
  transition:background 0.15s;
}
.rural-item:last-child{border-right:none;}
.rural-item:hover{background:#f5f8ff;}
.rural-item .rural-icon{font-size:28px;}

/* Credit/Property/ITR row */
.utility-cards-row{
  display:grid;grid-template-columns:repeat(3,1fr);gap:16px;
  margin-bottom:20px;
}
.util-card{
  background:#fff;border-radius:10px;
  padding:24px;
  display:flex;align-items:center;justify-content:space-between;
}
.util-card h4{font-size:17px;font-weight:700;color:#1a1a1a;margin-bottom:16px;}
.util-card-img{
  width:90px;
  display:flex;align-items:center;justify-content:center;
  font-size:44px;flex-shrink:0;
}
.util-card-img img{width:90px;}
.btn-check-now{
  border:1.5px solid #444;color:#222;background:#fff;
  padding:9px 20px;border-radius:6px;
  font-size:13px;font-weight:600;
  transition:all 0.2s;cursor:pointer;
  font-family:'Inter',sans-serif;
  white-space:nowrap;
}
.btn-check-now:hover{background:#f5f5f5;}

.btn-view-all-util{
  display:block;width:100%;max-width:520px;margin:0 auto;
  background:#f9c623;color:#1a1a1a;
  padding:15px;text-align:center;border-radius:8px;
  font-size:15px;font-weight:700;
  transition:background 0.2s;
}
.btn-view-all-util:hover{background:#f0b800;}

/* ===== L&T REALTY ===== */
.realty-section{
  background:#fff;padding:48px 0;
}
.realty-wrap{max-width:1280px;margin:auto;padding:0 24px;}
.realty-title{font-size:28px;font-weight:700;color:#1a1a1a;margin-bottom:24px;}
.realty-slider-wrap{position:relative;}
.realty-slide{
  border-radius:12px;overflow:hidden;
  border:2px solid #e8c54a;
  background:#f9f0cc;
  min-height:200px;
  display:flex;align-items:center;justify-content:center;
  /* placeholder */
  font-size:16px;color:#888;
  padding:24px;
}
.realty-slide img{width:100%;border-radius:10px;}
.realty-placeholder{
  width:100%;min-height:200px;
  background:linear-gradient(135deg,#1a1a2e,#16213e);
  border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-size:18px;font-weight:600;
  gap:12px;
}

/* ===== IMPORTANT NOTICE ===== */
.notice-section{
  background:#fffbf0;padding:40px 0;
}
.notice-wrap{max-width:1280px;margin:auto;padding:0 24px;}
.notice-title{font-size:28px;font-weight:700;color:#1a1a1a;margin-bottom:24px;}
.notice-cards{
  display:grid;grid-template-columns:repeat(2,1fr);gap:20px;
}
.notice-card{
  background:#fff;border-radius:10px;overflow:hidden;
  border:1px solid #e8e8e8;min-height:120px;
  display:flex;align-items:center;
}
.notice-card img{width:100%;height:120px;object-fit:cover;}
.notice-card-img-placeholder{
  width:100%;height:120px;
  /* user will insert image here */
  display:flex;align-items:center;justify-content:center;
  background:#1a1a1a;
}
.notice-card-img-placeholder img{width:100%;height:100%;object-fit:cover;}
.notice-card-text{padding:20px;flex:1;}
.notice-card-text h4{font-size:15px;font-weight:700;color:#1a1a1a;margin-bottom:6px;}
.notice-card-text p{font-size:13px;color:#666;line-height:1.5;margin-bottom:12px;}
.notice-card-text a{
  color:#1565c0;font-size:13px;font-weight:600;
  text-decoration:underline;
}
.notice-dots{
  display:flex;justify-content:center;gap:8px;margin-top:20px;
}
.notice-dots span{
  width:10px;height:10px;border-radius:50%;
  background:#ccc;cursor:pointer;
}
.notice-dots span.active{background:#1565c0;}

/* ===== BLOGS ===== */
.blogs-section{
  background:#fff;padding:48px 0;
}
.blogs-wrap{max-width:1280px;margin:auto;padding:0 24px;}
.blogs-header{
  display:flex;justify-content:space-between;align-items:center;
  margin-bottom:24px;
}
.blogs-header h2{font-size:28px;font-weight:700;}
.blog-tab-btns{display:flex;gap:6px;}
.blog-tab-btn{
  padding:8px 20px;border-radius:5px;
  font-size:13px;font-weight:600;
  cursor:pointer;border:none;
  font-family:'Inter',sans-serif;
  background:#f0f0f0;color:#555;
  transition:all 0.2s;
}
.blog-tab-btn.active{background:#1a1a1a;color:#fff;}

.blogs-slider-wrap{position:relative;}
.blogs-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:20px;
}
.blog-card{
  border-radius:10px;overflow:hidden;
  border:1px solid #eee;
  transition:box-shadow 0.2s,transform 0.2s;
  cursor:pointer;
}
.blog-card:hover{box-shadow:0 8px 24px rgba(0,0,0,0.1);transform:translateY(-3px);}
.blog-img-wrap{
  position:relative;
  height:185px;overflow:hidden;
  background:#e8e8e8;
}
.blog-img-wrap img{
  width:100%;height:185px;object-fit:cover;
  transition:transform 0.3s;
}
.blog-card:hover .blog-img-wrap img{transform:scale(1.03);}
.blog-img-placeholder{
  width:100%;height:185px;
  display:flex;align-items:center;justify-content:center;
  font-size:48px;background:#f0f0f0;
}
.blog-tag-overlay{
  position:absolute;bottom:10px;left:10px;
  background:rgba(0,0,0,0.65);color:#fff;
  font-size:11px;font-weight:600;
  padding:4px 10px;border-radius:4px;
  text-transform:uppercase;letter-spacing:0.5px;
}
.blog-content{padding:16px 14px;}
.blog-content h4{
  font-size:15px;font-weight:700;color:#1a1a1a;
  line-height:1.4;margin-bottom:8px;
}
.blog-meta{font-size:12px;color:#888;}

.view-all-blogs-wrap{text-align:center;margin-top:32px;}
.btn-view-all-blogs{
  display:inline-block;
  border:2px solid #222;color:#222;
  padding:12px 40px;border-radius:8px;
  font-size:14px;font-weight:700;
  transition:all 0.2s;
}
.btn-view-all-blogs:hover{background:#222;color:#fff;}

/* ===== REFER ===== */
.refer-section{
  background:#f5e9c2;padding:0;
}
.refer-wrap{
  max-width:1280px;margin:auto;padding:0 24px;
  position:relative;min-height:90px;
  display:flex;align-items:center;justify-content:space-between;
  overflow:hidden;
}
.refer-wrap .refer-bg{
  position:absolute;inset:0;
  /* user will insert image here */
  background:linear-gradient(120deg,#f5e9c2 0%,#f9c623 100%);
}
.refer-wrap .refer-bg img{
  position:absolute;inset:0;
  width:100%;height:100%;object-fit:cover;
}
.refer-text{
  position:relative;z-index:1;
  font-size:22px;font-weight:700;color:#222;
}
.btn-refer-now{
  position:relative;z-index:1;
  background:#1a1a1a;color:#fff;
  padding:12px 32px;border-radius:6px;
  font-size:15px;font-weight:700;
  transition:background 0.2s;
  flex-shrink:0;
}
.btn-refer-now:hover{background:#000;}

/* ===== APP DOWNLOAD ===== */
.app-section{
  background:#111;padding:40px 0;
}
.app-wrap{
  max-width:1280px;margin:auto;padding:0 24px;
  display:flex;align-items:center;gap:32px;
  position:relative;
}
.app-logo{
  width:56px;height:56px;
  background:#f9c623;border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  font-size:26px;font-weight:800;color:#1a1a1a;
  flex-shrink:0;
}
.app-logo img{width:56px;height:56px;border-radius:14px;}
.app-text{flex:1;}
.app-text h2{font-size:22px;font-weight:700;color:#fff;margin-bottom:6px;}
.app-text p{font-size:14px;color:rgba(255,255,255,0.65);line-height:1.6;}
.app-text p a{color:#f9c623;font-weight:600;}
.app-store-row{display:flex;gap:12px;margin-top:16px;}
.store-btn{
  background:transparent;
  border:1.5px solid rgba(255,255,255,0.3);
  border-radius:8px;overflow:hidden;
  transition:border-color 0.2s;
}
.store-btn:hover{border-color:rgba(255,255,255,0.7);}
.store-btn img{height:40px;display:block;}
.store-btn-placeholder{
  display:flex;align-items:center;gap:10px;
  padding:8px 16px;
  color:#fff;
}
.store-btn-placeholder .s-icon{font-size:22px;}
.store-btn-placeholder .s-txt{display:flex;flex-direction:column;}
.store-btn-placeholder .s-txt small{font-size:10px;opacity:0.7;}
.store-btn-placeholder .s-txt b{font-size:14px;}

.app-phone-mockup{
  width:140px;position:relative;flex-shrink:0;
}
.app-phone-mockup img{width:140px;}
.app-phone-placeholder{
  width:140px;height:220px;
  background:#1a1a1a;border:2px solid rgba(255,255,255,0.15);
  border-radius:20px;
  display:flex;align-items:center;justify-content:center;
  font-size:50px;
}
.qr-box{
  background:rgba(255,255,255,0.08);
  border-radius:10px;padding:14px;
  text-align:center;color:rgba(255,255,255,0.7);
  font-size:12px;
}
.qr-box img{width:80px;height:80px;margin-bottom:6px;}
.qr-placeholder{
  width:80px;height:80px;
  background:#fff;border-radius:6px;
  margin:0 auto 6px;
  display:flex;align-items:center;justify-content:center;
  font-size:28px;
}

/* ===== TOP LOANS FOOTER ===== */
.top-loans-section{
  background:#1a1a1a;padding:36px 0;
}
.tl-wrap{max-width:1280px;margin:auto;padding:0 24px;}
.tl-title{
  font-size:11px;font-weight:700;color:rgba(255,255,255,0.5);
  letter-spacing:2px;text-transform:uppercase;margin-bottom:18px;
}
.tl-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px;}
.tl-tab{
  background:rgba(255,255,255,0.08);
  border:1px solid rgba(255,255,255,0.15);
  color:rgba(255,255,255,0.7);
  padding:6px 16px;border-radius:20px;
  font-size:12px;font-weight:600;
  cursor:pointer;
  transition:all 0.2s;
  font-family:'Inter',sans-serif;
}
.tl-tab.active{background:#fff;color:#1a1a1a;}
.tl-tab:hover{background:rgba(255,255,255,0.15);}
.tl-links{display:flex;flex-wrap:wrap;gap:4px 0;}
.tl-links a{
  color:rgba(255,255,255,0.6);font-size:13px;
  padding-right:12px;
  transition:color 0.2s;
}
.tl-links a:not(:last-child)::after{
  content:'|';margin-left:12px;opacity:0.3;
}
.tl-links a:hover{color:#f9c623;}

/* ===== FOOTER ===== */
footer{
  background:#fff;padding:48px 0 0;
}
.footer-wrap{
  max-width:1280px;margin:auto;padding:0 24px;
  display:grid;grid-template-columns:300px 1fr;
  gap:48px;
}
.footer-brand .lt-logo{
  display:flex;align-items:center;gap:10px;
  margin-bottom:20px;
}
.footer-brand .lt-logo .f-circle{
  width:40px;height:40px;
  border:2px solid #c00;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  position:relative;
}
.footer-brand .lt-logo .f-name{font-size:18px;font-weight:700;color:#222;}
.footer-brand .lt-logo .f-name span{color:#c00;}
.footer-brand .f-logo img{height:50px;}
.social-row{display:flex;gap:12px;margin-bottom:20px;}
.social-row a{
  width:32px;height:32px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  background:#e8f0fe;transition:background 0.2s;
  font-size:14px;font-weight:700;color:#1565c0;
}
.social-row a:hover{background:#1565c0;color:#fff;}
.footer-brand h4{font-size:13px;font-weight:700;color:#1a1a1a;margin-bottom:6px;}
.footer-brand p{font-size:13px;color:#555;line-height:1.6;margin-bottom:4px;}
.footer-brand a.call{font-size:14px;font-weight:600;color:#1565c0;}
.footer-brand .parent{margin-top:16px;}
.footer-brand .parent h4{font-size:13px;font-weight:700;color:#1a1a1a;margin-bottom:4px;}
.footer-brand .parent a{color:#1565c0;font-size:13px;}

/* accordion footer cols */
.footer-accordion{
  display:flex;flex-direction:column;gap:0;
}
.footer-acc-item{
  border-bottom:1px solid #e8e8e8;
}
.footer-acc-toggle{
  display:flex;justify-content:space-between;align-items:center;
  padding:18px 0;cursor:pointer;
  font-size:16px;font-weight:600;color:#1a1a1a;
  user-select:none;
}
.footer-acc-toggle .plus{
  font-size:22px;font-weight:300;color:#555;
  transition:transform 0.3s;
}
.footer-acc-item.open .plus{transform:rotate(45deg);}
.footer-acc-body{
  display:none;padding-bottom:16px;
}
.footer-acc-item.open .footer-acc-body{display:grid;grid-template-columns:repeat(3,1fr);gap:4px 16px;}
.footer-acc-body a{
  font-size:13px;color:#555;padding:3px 0;
  transition:color 0.2s;
}
.footer-acc-body a:hover{color:#1565c0;}

.footer-disclaimer{
  max-width:1280px;margin:0 auto;
  padding:20px 24px;
  display:flex;justify-content:space-between;align-items:center;
  flex-wrap:wrap;gap:10px;
  border-top:1px solid #eee;
}
.footer-disclaimer p{font-size:11px;color:#888;max-width:700px;line-height:1.6;}
.footer-links{display:flex;flex-wrap:wrap;gap:4px 0;}
.footer-links a{
  font-size:12px;color:#555;
  padding-right:10px;
}
.footer-links a:not(:last-child)::after{
  content:'|';margin-left:10px;color:#ccc;
}
.footer-links a:hover{color:#1565c0;}

.footer-bottom-bar{
  background:#1a1a1a;
  max-width:100%;
  padding:14px 24px;
  text-align:center;
  font-size:12px;color:rgba(255,255,255,0.5);
  margin-top:24px;
}

/* ===== CHAT BOT ===== */
.chatbot-widget{
  position:fixed;bottom:24px;right:24px;
  z-index:900;
  display:flex;flex-direction:column;align-items:center;gap:4px;
}
.chatbot-widget .chat-img{
  width:60px;height:60px;border-radius:50%;
  overflow:hidden;background:#fff;
  box-shadow:0 4px 16px rgba(0,0,0,0.15);
}
.chatbot-widget .chat-img img{width:60px;height:60px;}
.chatbot-widget .chat-label{
  background:#1565c0;color:#fff;
  font-size:11px;font-weight:600;
  padding:4px 10px;border-radius:10px;
  text-align:center;line-height:1.3;
}

/* ===== MOBILE ===== */
.mobile-nav{
  display:none;position:fixed;
  top:0;left:0;right:0;bottom:0;
  background:#fff;z-index:1000;
  padding:70px 20px 20px;
  overflow-y:auto;flex-direction:column;gap:4px;
}
.mobile-nav.open{display:flex;}
.mobile-nav a{
  padding:14px 16px;border-radius:8px;
  font-size:15px;font-weight:500;color:#222;
  border-bottom:1px solid #f0f0f0;
}
.mobile-nav a:hover{background:#f5f8ff;color:#1565c0;}
.mobile-nav-close{
  position:absolute;top:16px;right:16px;
  background:#f0f0f0;border:none;
  width:38px;height:38px;border-radius:8px;
  font-size:18px;cursor:pointer;
  display:flex;align-items:center;justify-content:center;
}

@media(max-width:1024px){
  nav,
  .search-bar{display:none;}
  .hamburger{display:flex;}
  .hero{height:300px;}
  .hero-content h1{font-size:32px;}
  .offers-slider{grid-template-columns:repeat(2,1fr);}
  .blogs-grid{grid-template-columns:repeat(2,1fr);}
  .footer-wrap{grid-template-columns:1fr;}
  .footer-acc-item.open .footer-acc-body{grid-template-columns:repeat(2,1fr);}
}
@media(max-width:640px){
  .hero{height:260px;}
  .hero-content{padding:0 24px;}
  .hero-content h1{font-size:26px;}
  .hero-content p{font-size:14px;}
  .loan-tab-btn{min-width:90px;padding:14px 12px 10px;font-size:12px;}
  .loan-info-top{flex-direction:column;}
  .loan-info-actions{flex-direction:row;align-items:center;}
  .loan-cards-grid{grid-template-columns:1fr;}
  .offers-slider{grid-template-columns:1fr;}
  .utility-cards-row{grid-template-columns:1fr;}
  .rural-items{grid-template-columns:repeat(3,1fr);}
  .notice-cards{grid-template-columns:1fr;}
  .blogs-grid{grid-template-columns:1fr;}
  .refer-wrap{flex-direction:column;padding:24px;gap:14px;}
  .app-wrap{flex-wrap:wrap;}
  .app-phone-mockup{display:none;}
  .footer-acc-item.open .footer-acc-body{grid-template-columns:1fr;}
  .tl-links a{font-size:12px;}
}

/* ================= ABOUT SECTION ================= */

.about-section{
    width:100%;
    padding:90px 6%;
    background:#f7f9fc;
    overflow:hidden;
    font-family: 'Inter', sans-serif;
}

.about-container{
    max-width:1400px;
    margin:auto;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:70px;
}

/* LEFT SIDE */

.about-image-box{
    flex:1;
    position:relative;
    min-width:320px;
}

.about-placeholder{
    width:100%;
    height:520px;
    border-radius:28px;
    background:linear-gradient(135deg,#dbe5f3,#edf2fa);
    display:flex;
    align-items:center;
    justify-content:center;
    border:2px dashed #b7c7df;
    color:#4f5d75;
    font-size:22px;
    font-weight:600;
    overflow:hidden;
}

/* IMAGE STYLE */
/*
.about-image-box img{
    width:100%;
    height:520px;
    object-fit:cover;
    border-radius:28px;
}
*/

.about-float-card{
    position:absolute;
    bottom:25px;
    right:-20px;
    background:#0b2341;
    color:#fff;
    padding:22px 28px;
    border-radius:20px;
    box-shadow:0 15px 35px rgba(0,0,0,0.15);
}

.about-float-card h3{
    font-size:14px;
    margin-bottom:5px;
}

.about-float-card p{
    font-size:10px;
    opacity:0.9;
}

/* RIGHT SIDE */

.about-content{
    flex:1;
}

.about-tag{
    display:inline-block;
    background:#e8f0ff;
    color:#0b57d0;
    padding:10px 18px;
    border-radius:50px;
    font-size:13px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:22px;
}

.about-content h2{
    font-size:32px;
    line-height:1.15;
    color:#111827;
    margin-bottom:25px;
    font-weight:800;
}

.about-content h2 span{
    color:#0b57d0;
}

.about-desc{
    font-size:15px;
    line-height:1.8;
    color:#4b5563;
    margin-bottom:40px;
}

/* FEATURES */

.about-features{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:20px;
}

.about-feature-card{
    background:#fff;
    padding:22px;
    border-radius:20px;
    display:flex;
    gap:15px;
    align-items:flex-start;
    transition:0.3s ease;
    border:1px solid #e8edf5;
}

.about-feature-card:hover{
    transform:translateY(-5px);
    box-shadow:0 15px 30px rgba(0,0,0,0.08);
}

.feature-icon{
    width:42px;
    height:42px;
    min-width:42px;
    border-radius:12px;
    background:#0b57d0;
    color:#fff;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:18px;
    font-weight:bold;
}

.about-feature-card h4{
    font-size:18px;
    color:#111827;
    margin-bottom:6px;
}

.about-feature-card p{
    font-size:14px;
    line-height:1.6;
    color:#6b7280;
}

/* QUOTE */

.about-quote{
    margin-top:40px;
    padding:25px 30px;
    border-left:5px solid #0b57d0;
    background:#fff;
    border-radius:18px;
    font-size:20px;
    font-style:italic;
    font-weight:600;
    color:#111827;
    box-shadow:0 10px 25px rgba(0,0,0,0.05);
}

/* RESPONSIVE */

@media(max-width:1100px){

    .about-container{
        flex-direction:column;
    }

    .about-content h2{
        font-size:42px;
    }

}

@media(max-width:768px){

    .about-section{
        padding:70px 5%;
    }

    .about-content h2{
        font-size:34px;
    }

    .about-desc{
        font-size:16px;
    }

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

    .about-placeholder{
        height:400px;
    }

    .about-float-card{
        right:10px;
        left:10px;
        bottom:-20px;
    }

}

@media(max-width:480px){

    .about-content h2{
        font-size:28px;
    }

    .about-tag{
        font-size:12px;
    }

    .about-quote{
        font-size:16px;
        line-height:1.7;
    }

}
/* ================= TRUST SECTION ================= */

.trust-section{
    width:100%;
    padding:100px 6%;
    background:#f7f9fc;
    font-family:'Inter',sans-serif;
    overflow:hidden;
}

.trust-container{
    max-width:1450px;
    margin:auto;
}

/* HEADING */

.trust-heading{
    text-align:center;
    margin-bottom:65px;
}

.trust-tag{
    display:inline-block;
    background:#e8f0ff;
    color:#0b57d0;
    padding:10px 18px;
    border-radius:50px;
    font-size:13px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:20px;
}

.trust-heading h2{
    font-size:34px;
    line-height:1.2;
    color:#111827;
    font-weight:800;
    margin-bottom:22px;
}

.trust-heading h2 span{
    color:#0b57d0;
}

.trust-heading p{
    max-width:850px;
    margin:auto;
    font-size:14px;
    line-height:1.8;
    color:#5b6472;
}

/* GRID */

.trust-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:28px;
}

/* CARD */

.trust-card{
    background:#fff;
    border-radius:30px;
    padding:18px 14px;
    border:1px solid #e8edf5;
    transition:0.35s ease;
    position:relative;
    overflow:hidden;
    min-height:200px;
}

.trust-card::before{
    content:'';
    position:absolute;
    top:0;
    left:0;
    width:100%;
    height:5px;
    background:#0b57d0;
    transform:scaleX(0);
    transition:0.35s ease;
}

.trust-card:hover{
    transform:translateY(-8px);
    box-shadow:0 25px 45px rgba(0,0,0,0.08);
}

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

/* ICON */

.trust-icon{
    width:58px;
    height:58px;
    border-radius:22px;
    background:#edf4ff;
    border:2px dashed #b8cff8;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:22px;
    overflow:hidden;
}

/* Example Icon Style */
/*
.trust-icon img{
    width:38px;
    height:38px;
    object-fit:contain;
}
*/

.trust-card h3{
    font-size:16px;
    /* line-height:1.4; */
    color:#111827;
    font-weight:500;
    margin-bottom:18px;
}

.trust-card p{
    font-size:14px;
    /* line-height:1.9; */
    color:#2d323a;
}

/* NOTE */

.trust-note{
    margin-top:25px;
    background:#fff;
    border-radius:22px;
    padding:25px 30px;
    border:1px solid #e8edf5;
}

.trust-note p{
    font-size:14px;
    line-height:1.9;
    color:#6b7280;
    text-align:center;
}

/* ================= RESPONSIVE ================= */

@media(max-width:1200px){

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

}

@media(max-width:768px){

    .trust-section{
        padding:80px 5%;
    }

    .trust-heading h2{
        font-size:38px;
    }

    .trust-heading p{
        font-size:16px;
    }

    .trust-grid{
        grid-template-columns:1fr;
        gap:22px;
    }

    .trust-card{
        min-height:auto;
        padding:30px;
    }

    .trust-card h3{
        font-size:22px;
    }

}

@media(max-width:480px){

    .trust-heading h2{
        font-size:30px;
    }

    .trust-card{
        border-radius:24px;
    }

    .trust-icon{
        width:68px;
        height:68px;
    }

    .trust-card h3{
        font-size:20px;
    }

    .trust-card p{
        font-size:15px;
        line-height:1.8;
    }

}


       /* ================= EMI CALCULATOR ================= */

.modern-emi-section{
    width:100%;
    padding:90px 5%;
    background:#f7f9fc;
    font-family:'Inter',sans-serif;
}

.modern-emi-container{
    max-width:1380px;
    margin:auto;
    background:white;
    border-radius:38px;
    overflow:hidden;
    display:grid;
    grid-template-columns:1.1fr 0.9fr;
    box-shadow:0 30px 70px rgba(0,0,0,0.12);
}

/* LEFT */

.modern-emi-left{
    padding:55px;
}

.modern-emi-badge{
    display:inline-block;
    color:#7db7ff;
    font-size:12px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.modern-emi-left h2{
    font-size:42px;
    line-height:1.1;
    color:#081b33;
    font-weight:800;
    margin-bottom:18px;
}

.modern-emi-left h2 span{
    color:#7db7ff;
}

.modern-emi-subtext{
    font-size:15px;
    line-height:1.9;
    color:rgba(0, 0, 0, 0.72);
    max-width:600px;
    margin-bottom:40px;
}

/* INPUT BOX */

.modern-emi-input-box{
    display:flex;
    flex-direction:column;
    gap:28px;
}

.modern-emi-field{
    background:rgba(255,255,255,0.04);
    border:1px solid rgba(255,255,255,0.08);
    padding:2px;
    border-radius:24px;
}

/* LABEL */

.modern-emi-label-row{
    display:flex;
    justify-content:space-between;
    align-items:center;
    margin-bottom:16px;
}

.modern-emi-label-row label{
    color:#081b33;
    font-size:15px;
    font-weight:600;
}

.modern-emi-label-row span{
    color:#7db7ff;
    font-size:15px;
    font-weight:700;
}

/* RANGE */

.modern-emi-field input[type="range"]{
    width:100%;
    height:10px;
    appearance:none;
    background:#081b33;
    border-radius:20px;
    outline:none;
}

.modern-emi-field input[type="range"]::-webkit-slider-thumb{
    appearance:none;
    width:22px;
    height:22px;
    border-radius:50%;
    background:#fff;
    border:4px solid #0b57d0;
    cursor:pointer;
    box-shadow:0 4px 14px rgba(0,0,0,0.2);
}

.modern-emi-range-values{
    display:flex;
    justify-content:space-between;
    margin-top:12px;
    font-size:13px;
    color:#081b33;
}

/* RIGHT */

.modern-emi-right{
    display:flex;
    align-items:center;
    justify-content:center;
    padding:40px;
    background:#081b33;
}

/* CARD */

.modern-emi-card{
    width:100%;
    max-width:430px;
    background:#fff;
    border-radius:32px;
    padding:38px;
    box-shadow:0 25px 60px rgba(0,0,0,0.15);
}

.modern-emi-small{
    font-size:13px;
    font-weight:700;
    color:#0b57d0;
    letter-spacing:0.5px;
}

.modern-emi-card h3{
    font-size:52px;
    color:#081b33;
    font-weight:800;
    margin:14px 0 30px;
    line-height:1;
}

/* DETAILS */

.modern-emi-details{
    display:flex;
    flex-direction:column;
    gap:18px;
    margin-bottom:30px;
}

.modern-emi-detail-row{
    display:flex;
    justify-content:space-between;
    gap:15px;
    padding-bottom:16px;
    border-bottom:1px solid #edf2f7;
}

.modern-emi-detail-row span{
    color:#667085;
    font-size:14px;
}

.modern-emi-detail-row strong{
    color:#081b33;
    font-size:15px;
}

.modern-emi-detail-row.total strong{
    color:#0b57d0;
    font-size:18px;
}

/* BUTTON */

.modern-emi-btn{
    width:100%;
    height:58px;
    border:none;
    border-radius:18px;
    background:linear-gradient(135deg,#0b57d0,#081b33);
    color:#fff;
    font-size:16px;
    font-weight:700;
    cursor:pointer;
    transition:0.3s ease;
    margin-bottom:20px;
}

.modern-emi-btn:hover{
    transform:translateY(-3px);
}

/* NOTE */

.modern-emi-note{
    font-size:12px;
    line-height:1.8;
    color:#667085;
}

/* ================= RESPONSIVE ================= */

@media(max-width:980px){

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

}

@media(max-width:768px){

    .modern-emi-section{
        padding:70px 4%;
    }

    .modern-emi-left{
        padding:35px 25px;
    }

    .modern-emi-left h2{
        font-size:36px;
    }

    .modern-emi-right{
        padding:25px;
    }

    .modern-emi-card{
        padding:28px;
    }

    .modern-emi-card h3{
        font-size:42px;
    }

}

@media(max-width:480px){

    .modern-emi-left h2{
        font-size:30px;
    }

    .modern-emi-subtext{
        font-size:13px;
    }

    .modern-emi-field{
        padding:18px;
    }

    .modern-emi-card{
        border-radius:24px;
        padding:24px;
    }

    .modern-emi-card h3{
        font-size:36px;
    }

}


        /* ════════════════════════════
   SECTION WRAPPER
════════════════════════════ */
.offers-section{
  background:#1A1A2E;
  padding:44px 0 36px;
  position:relative;
  overflow:hidden;
}
.offers-section::before{
  content:'';position:absolute;
  top:-60px;left:-60px;
  width:300px;height:300px;
  background:radial-gradient(circle,rgba(255,255,255,0.03) 0%,transparent 70%);
  border-radius:50%;pointer-events:none;
}
 
/* ════════════════════════════
   HEADER ROW
════════════════════════════ */
.offers-header{
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  padding:0 60px;
  margin-bottom:28px;
  flex-wrap:wrap;
  gap:12px;
}
.offers-title{
  font-size:clamp(22px,3vw,32px);
  font-weight:800;color:#fff;
  letter-spacing:-0.3px;
  line-height:1.2;
}
.offers-count{
  text-align:right;
}
.offers-count .num{
  font-size:22px;font-weight:800;
  color:#F5A623;
  line-height:1;
}
.offers-count .label{
  font-size:12px;color:rgba(255,255,255,0.5);
  display:block;margin-top:1px;
}
 
/* ════════════════════════════
   SLIDER TRACK WRAPPER
════════════════════════════ */
.slider-outer{
  position:relative;
  display:flex;
  align-items:center;
  gap:0;
}
 
/* Slider viewport */
.slider-viewport{
  overflow:hidden;
  width:100%;
  padding:8px 28px 8px 28px;
}
.slider-track{
  display:flex;
  gap:16px;
  transition:transform 0.42s cubic-bezier(.4,0,.2,1);
  will-change:transform;
}
 
/* ════════════════════════════
   OFFER CARD
════════════════════════════ */
.offer-card{
  flex-shrink:0;
  width:calc((100% - 32px) / 3);
  min-width:260px;
  border-radius:16px;
  overflow:hidden;
  background:#2AACCC;
  position:relative;
  display:flex;
  flex-direction:row;
  align-items:stretch;
  min-height:160px;
  box-shadow:0 4px 20px rgba(0,0,0,0.18);
  transition:transform .2s,box-shadow .2s;
  cursor:pointer;
}
.offer-card:hover{
  transform:translateY(-4px);
  box-shadow:0 10px 32px rgba(0,0,0,0.28);
}
 
/* Yellow diagonal splash */
.card-splash{
  position:absolute;
  right:0;top:0;bottom:0;
  width:48%;
  background:#F5A623;
  clip-path:polygon(28% 0%, 100% 0%, 100% 100%, 0% 100%);
  z-index:0;
}
 
/* Person image area */
.card-img{
  position:absolute;
  right:0;top:0;bottom:0;
  width:48%;
  z-index:1;
  display:flex;
  align-items:flex-end;
  justify-content:center;
  overflow:hidden;
}
.card-img img{
  width:100%;height:100%;
  object-fit:cover;
  object-position:top center;
}
/* Placeholder when no image */
.card-img-placeholder{
  width:100%;height:100%;
  display:flex;flex-direction:column;
  align-items:center;justify-content:center;
  gap:6px;
}
.person-circle{
  width:64px;height:64px;border-radius:50%;
  background:rgba(255,255,255,0.25);
  border:2px dashed rgba(255,255,255,0.5);
  display:flex;align-items:center;justify-content:center;
}
.person-circle svg{width:30px;height:30px;fill:rgba(255,255,255,0.6)}
.img-label{font-size:9px;color:rgba(255,255,255,0.5);font-weight:500;text-align:center}
 
/* Card content */
.card-body{
  position:relative;z-index:2;
  padding:20px 18px 20px 20px;
  flex:1;
  display:flex;flex-direction:column;
  max-width:58%;
}
.card-body h4{
  font-size:15px;font-weight:800;
  color:#fff;margin-bottom:6px;
  line-height:1.25;text-shadow:0 1px 3px rgba(0,0,0,0.15);
}
.card-body p{
  font-size:12px;color:rgba(255,255,255,0.9);
  line-height:1.55;margin-bottom:16px;flex:1;
}
.apply-btn{
  display:inline-flex;align-items:center;gap:5px;
  background:#fff;color:#1A1A2E;
  border:none;padding:8px 16px;
  border-radius:7px;font-size:12.5px;font-weight:700;
  cursor:pointer;font-family:'Outfit',sans-serif;
  transition:all .15s;align-self:flex-start;
  white-space:nowrap;
}
.apply-btn:hover{background:#1A1A2E;color:#fff}
 
/* Card color variants */
.offer-card.v1{background:#2AACCC}
.offer-card.v1 .card-splash{background:#F5A623}
.offer-card.v2{background:#1E8BC3}
.offer-card.v2 .card-splash{background:#F5A623}
.offer-card.v3{background:#26B5C5}
.offer-card.v3 .card-splash{background:#FFB800}
.offer-card.v4{background:#1A9BB0}
.offer-card.v4 .card-splash{background:#F5A623}
.offer-card.v5{background:#2196B0}
.offer-card.v5 .card-splash{background:#FFB800}
.offer-card.v6{background:#1E8BC3}
.offer-card.v6 .card-splash{background:#F5A623}
.offer-card.v7{background:#26A69A}
.offer-card.v7 .card-splash{background:#FFB800}
 
/* ════════════════════════════
   BOTTOM NAV (arrows + dots)
════════════════════════════ */
.bottom-nav{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:12px;
  margin-top:22px;
  padding:0 28px;
}
 
/* Small arrow buttons */
.arr-btn{
  width:32px;height:32px;border-radius:50%;
  background:#fff;border:none;
  display:flex;align-items:center;justify-content:center;
  cursor:pointer;flex-shrink:0;
  box-shadow:0 2px 10px rgba(0,0,0,0.22);
  transition:all .18s;
}
.arr-btn svg{
  width:14px;height:14px;
  stroke:#1A1A2E;stroke-width:2.5;
  fill:none;stroke-linecap:round;stroke-linejoin:round;
  flex-shrink:0;
}
.arr-btn:hover{background:#F5A623}
.arr-btn:hover svg{stroke:#fff}
.arr-btn:active{transform:scale(0.92)}
 
/* Dots */
.dots-row{
  display:flex;align-items:center;
  gap:6px;
}
.dot{
  width:8px;height:8px;border-radius:50%;
  background:rgba(255,255,255,0.28);
  border:none;cursor:pointer;padding:0;
  transition:all .22s;
}
.dot.active{
  width:22px;border-radius:4px;
  background:#F5A623;
}
 
/* ════════════════════════════
   RESPONSIVE
════════════════════════════ */
@media(max-width:900px){
  .offers-header{padding:0 28px}
  .slider-viewport{padding:8px 28px}
  .offer-card{width:calc((100% - 16px) / 2)}
}
@media(max-width:600px){
  .offers-header{padding:0 20px}
  .slider-viewport{padding:8px 20px}
  .bottom-nav{padding:0 20px}
  .offer-card{width:calc(100%);min-width:0}
}








/* ══════════════════════════════
   SECTION
══════════════════════════════ */
.elig-section{
  background:#F0F4FF;
  padding:72px 20px;
  position:relative;overflow:hidden;
}
.elig-section::before{
  content:'';position:absolute;top:-100px;right:-80px;
  width:400px;height:400px;
  background:radial-gradient(circle,rgba(26,86,219,0.06) 0%,transparent 65%);
  border-radius:50%;pointer-events:none;
}
.ctr{max-width:1100px;margin:0 auto;position:relative;z-index:2}
 
/* ══════════════════════════════
   HEADER
══════════════════════════════ */
.sec-head{text-align:center;margin-bottom:48px}
.sec-pill{
  display:inline-flex;align-items:center;gap:6px;
  background:#E8EEFF;color:#1A56DB;
  font-size:11.5px;font-weight:700;
  padding:5px 16px;border-radius:20px;
  border:1px solid #BFDBFE;
  text-transform:uppercase;letter-spacing:.08em;
  margin-bottom:14px;
}
.sec-h2{
  font-size:clamp(24px,4vw,38px);
  font-weight:800;color:#0F172A;
  line-height:1.2;margin-bottom:12px;
  letter-spacing:-0.4px;
}
.sec-h2 em{color:#1A56DB;font-style:normal}
.sec-p{
  font-size:15px;color:#64748B;
  line-height:1.7;max-width:500px;margin:0 auto;
}
 
/* ══════════════════════════════
   TAB SWITCHER
══════════════════════════════ */
.tab-switcher{
  display:flex;
  background:#E8EEFF;
  border-radius:14px;
  padding:5px;
  gap:4px;
  max-width:480px;
  margin:0 auto 40px;
  border:1px solid #BFDBFE;
}
.tab-btn{
  flex:1;padding:11px 16px;
  border:none;background:transparent;
  border-radius:10px;
  font-family:'Outfit',sans-serif;
  font-size:13.5px;font-weight:600;
  color:#64748B;cursor:pointer;
  display:flex;align-items:center;justify-content:center;gap:8px;
  transition:all .22s;
}
.tab-btn svg{width:18px;height:18px;flex-shrink:0;transition:all .22s}
.tab-btn.active{
  background:#fff;color:#1A56DB;
  box-shadow:0 2px 12px rgba(26,86,219,0.15);
}
.tab-btn.active svg{stroke:#1A56DB}
 
/* ══════════════════════════════
   TAB PANEL
══════════════════════════════ */
.tab-panel{display:none}
.tab-panel.active{display:block}
 
/* ══════════════════════════════
   MAIN GRID
══════════════════════════════ */
.elig-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:20px;
}
 
/* ══════════════════════════════
   CRITERIA CARD
══════════════════════════════ */
.crit-card{
  background:#fff;
  border-radius:20px;
  padding:28px 28px;
  box-shadow:0 4px 24px rgba(26,86,219,0.07),0 1px 3px rgba(0,0,0,0.04);
  border:1px solid #EEF2FF;
}
.crit-card-title{
  font-size:13px;font-weight:700;
  color:#94A3B8;text-transform:uppercase;
  letter-spacing:.08em;margin-bottom:22px;
  display:flex;align-items:center;gap:8px;
}
.crit-card-title::after{
  content:'';flex:1;height:1px;
  background:linear-gradient(90deg,#BFDBFE,transparent);
}
 
/* Criteria rows */
.crit-row{
  display:flex;align-items:flex-start;gap:14px;
  padding:14px 0;
  border-bottom:1px solid #F1F5F9;
  transition:background .15s;
}
.crit-row:last-child{border-bottom:none;padding-bottom:0}
.crit-row:first-child{padding-top:0}
.crit-icon-wrap{
  width:38px;height:38px;
  border-radius:10px;
  background:#EEF2FF;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;margin-top:1px;
  transition:background .18s;
}
.crit-icon-wrap svg{
  width:18px;height:18px;
  stroke:#1A56DB;stroke-width:1.8;
  fill:none;stroke-linecap:round;stroke-linejoin:round;
}
.crit-row:hover .crit-icon-wrap{background:#DBEAFE}
.crit-text{}
.crit-label{
  font-size:11px;font-weight:700;
  color:#94A3B8;text-transform:uppercase;
  letter-spacing:.07em;margin-bottom:3px;
}
.crit-value{
  font-size:14px;font-weight:600;
  color:#0F172A;line-height:1.5;
}
.crit-value span{
  font-size:13px;font-weight:400;
  color:#475569;display:block;margin-top:2px;
}
 
/* Score badge */
.score-badge{
  display:inline-flex;align-items:center;gap:4px;
  background:#EEF2FF;color:#1A56DB;
  font-size:12px;font-weight:700;
  padding:3px 10px;border-radius:6px;
  border:1px solid #BFDBFE;margin-bottom:4px;
}
 
/* ══════════════════════════════
   GOOD TO KNOW CARD
══════════════════════════════ */
.gtk-card{
  background:linear-gradient(135deg,#0C3483 0%,#1A56DB 100%);
  border-radius:20px;
  padding:28px;
  box-shadow:0 8px 32px rgba(26,86,219,0.25);
  display:flex;flex-direction:column;
  gap:16px;
  position:relative;overflow:hidden;
}
.gtk-card::before{
  content:'';position:absolute;
  top:-40px;right:-40px;
  width:160px;height:160px;
  background:rgba(255,255,255,0.06);
  border-radius:50%;
}
.gtk-card::after{
  content:'';position:absolute;
  bottom:-30px;left:-30px;
  width:120px;height:120px;
  background:rgba(255,255,255,0.04);
  border-radius:50%;
}
.gtk-header{
  display:flex;align-items:center;gap:10px;
  position:relative;z-index:1;
}
.gtk-icon{
  width:40px;height:40px;border-radius:10px;
  background:rgba(255,255,255,0.15);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.gtk-icon svg{
  width:20px;height:20px;
  stroke:#fff;stroke-width:1.8;
  fill:none;stroke-linecap:round;stroke-linejoin:round;
}
.gtk-title{
  font-size:16px;font-weight:800;
  color:#fff;line-height:1.2;
}
.gtk-title small{
  display:block;font-size:11px;font-weight:500;
  color:rgba(255,255,255,0.55);margin-top:1px;
}
 
.gtk-tips{
  display:flex;flex-direction:column;gap:12px;
  position:relative;z-index:1;
}
.gtk-tip{
  display:flex;align-items:flex-start;gap:10px;
  background:rgba(255,255,255,0.1);
  border:1px solid rgba(255,255,255,0.15);
  border-radius:12px;padding:12px 14px;
}
.gtk-tip-dot{
  width:22px;height:22px;border-radius:50%;
  background:rgba(255,255,255,0.2);
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;margin-top:1px;
}
.gtk-tip-dot svg{
  width:12px;height:12px;
  stroke:#fff;stroke-width:2.5;
  fill:none;stroke-linecap:round;stroke-linejoin:round;
}
.gtk-tip p{
  font-size:13px;color:rgba(255,255,255,0.85);
  line-height:1.55;
}
.gtk-tip p strong{color:#fff}
 
/* Apply CTA inside card */
.gtk-apply{
  display:flex;align-items:center;justify-content:center;gap:8px;
  background:#fff;color:#1A56DB;
  border:none;border-radius:12px;
  padding:13px 20px;
  font-size:14px;font-weight:700;
  font-family:'Outfit',sans-serif;cursor:pointer;
  transition:all .2s;
  position:relative;z-index:1;
  box-shadow:0 4px 16px rgba(0,0,0,0.15);
}
.gtk-apply:hover{
  background:#EEF2FF;transform:translateY(-2px);
  box-shadow:0 8px 24px rgba(0,0,0,0.2);
}
.gtk-apply svg{
  width:16px;height:16px;
  stroke:#1A56DB;stroke-width:2;
  fill:none;stroke-linecap:round;stroke-linejoin:round;
}
 
/* ══════════════════════════════
   NOTE BAR
══════════════════════════════ */
.note-bar{
  margin-top:20px;
  background:#fff;
  border:1px solid #BFDBFE;
  border-left:4px solid #1A56DB;
  border-radius:0 10px 10px 0;
  padding:13px 18px;
  display:flex;align-items:flex-start;gap:10px;
  font-size:13px;color:#475569;line-height:1.65;
}
.note-bar svg{
  width:18px;height:18px;flex-shrink:0;margin-top:1px;
  stroke:#1A56DB;stroke-width:1.8;
  fill:none;stroke-linecap:round;stroke-linejoin:round;
}
 
/* ══════════════════════════════
   RESPONSIVE
══════════════════════════════ */
@media(max-width:768px){
  .elig-grid{grid-template-columns:1fr}
  .tab-switcher{max-width:100%}
  .crit-card,.gtk-card{padding:22px 18px}
}
@media(max-width:480px){
  .elig-section{padding:48px 16px}
  .tab-btn{font-size:12px;padding:10px 10px}
  .crit-value{font-size:13px}
}








/* ================= HOW TO APPLY ================= */

.apply-process-section{
    width:100%;
    padding:90px 5%;
    background:#f7f9fc;
    font-family:'Inter',sans-serif;
    overflow:hidden;
}

.apply-process-container{
    max-width:1450px;
    margin:auto;
}

/* HEADING */

.apply-process-heading{
    text-align:center;
    margin-bottom:70px;
}

.apply-tag{
    display:inline-block;
    background:#e8f0ff;
    color:#0b57d0;
    padding:10px 18px;
    border-radius:50px;
    font-size:12px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:20px;
}

.apply-process-heading h2{
    font-size:42px;
    font-weight:800;
    line-height:1.2;
    color:#111827;
    margin-bottom:18px;
}

.apply-process-heading h2 span{
    color:#0b57d0;
}

.apply-process-heading p{
    max-width:700px;
    margin:auto;
    font-size:14px;
    line-height:1.8;
    color:#5b6472;
}

/* TIMELINE */

.apply-timeline{
    position:relative;
    display:flex;
    justify-content:space-between;
    gap:20px;
}

/* CENTER LINE */

.apply-timeline::before{
    content:'';
    position:absolute;
    top:42px;
    left:0;
    width:100%;
    height:2px;
    background:#d8e3f0;
}

/* STEP */

.apply-step{
    flex:1;
    position:relative;
    z-index:2;
}

/* NUMBER */

.step-number{
    width:64px;
    height:64px;
    border-radius:50%;
    background:#0b57d0;
    color:#fff;
    font-size:28px;
    font-weight:800;
    display:flex;
    align-items:center;
    justify-content:center;
    margin:auto;
    position:relative;
    box-shadow:0 10px 25px rgba(11,87,208,0.2);
}

/* CARD */

.step-card{
    margin-top:25px;
    background:#fff;
    border-radius:28px;
    padding:28px 24px;
    border:1px solid #e8edf5;
    transition:0.35s ease;
    min-height:290px;
    position:relative;
    overflow:hidden;
}

.step-card::before{
    content:'';
    position:absolute;
    left:0;
    top:0;
    width:100%;
    height:5px;
    background:#0b57d0;
    transform:scaleX(0);
    transition:0.35s ease;
}

.step-card:hover{
    transform:translateY(-8px);
    box-shadow:0 20px 45px rgba(0,0,0,0.08);
}

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

/* ICON */

.step-icon{
    width:68px;
    height:68px;
    border-radius:18px;
    background:#edf4ff;
    border:2px dashed #b8cff8;
    margin-bottom:18px;
}

/*
.step-icon img{
    width:32px;
    height:32px;
}
*/

.step-card h3{
    font-size:18px;
    line-height:1.4;
    color:#111827;
    font-weight:700;
    margin-bottom:15px;
}

.step-card p{
    font-size:13px;
    line-height:1.9;
    color:#5b6472;
}

/* ================= RESPONSIVE ================= */

@media(max-width:1200px){

    .apply-timeline{
        flex-wrap:wrap;
    }

    .apply-step{
        width:calc(50% - 10px);
        flex:none;
    }

    .apply-timeline::before{
        display:none;
    }

}

@media(max-width:768px){

    .apply-process-section{
        padding:70px 4%;
    }

    .apply-process-heading{
        margin-bottom:45px;
    }

    .apply-process-heading h2{
        font-size:36px;
    }

    .apply-process-heading p{
        font-size:15px;
    }

    .apply-step{
        width:100%;
    }

    .step-number{
        width:68px;
        height:68px;
        font-size:24px;
    }

    .step-card{
        min-height:auto;
        padding:24px 20px;
        margin-top:22px;
    }

    .step-card h3{
        font-size:20px;
    }

    .step-card p{
        font-size:14px;
        line-height:1.8;
    }

}

@media(max-width:480px){

    .apply-process-heading h2{
        font-size:30px;
    }

    .step-card{
        border-radius:22px;
    }

    .step-icon{
        width:58px;
        height:58px;
    }

}




/* ================= DOCUMENT SECTION ================= */

.doc-section{
    width:100%;
    padding:70px 5%;
    background:#f7f9fc;
    font-family:'Inter',sans-serif;
}

.doc-container{
    max-width:1400px;
    margin:auto;
}

/* HEADING */

.doc-heading{
    text-align:center;
    margin-bottom:40px;
}

.doc-tag{
    display:inline-block;
    padding:8px 14px;
    background:#e8f0ff;
    color:#0b57d0;
    border-radius:40px;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:16px;
}

.doc-heading h2{
    font-size:42px;
    color:#111827;
    font-weight:800;
    margin-bottom:12px;
}

.doc-heading h2 span{
    color:#0b57d0;
}

.doc-heading p{
    font-size:14px;
    color:#667085;
}

/* GRID */

.doc-grid{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:22px;
}

/* CARD */

.doc-card{
    background:#fff;
    border-radius:22px;
    border:1px solid #e8edf5;
    overflow:hidden;
    transition:0.3s ease;
}

.doc-card:hover{
    transform:translateY(-4px);
    box-shadow:0 15px 30px rgba(0,0,0,0.05);
}

/* TOP */

.doc-card-top{
    padding:20px 22px;
    display:flex;
    align-items:center;
    gap:14px;
    border-bottom:1px solid #eef3f8;
}

.doc-icon{
    width:54px;
    height:54px;
    border-radius:16px;
    background:#edf4ff;
    border:1px dashed #b7cdf6;
    flex-shrink:0;
}

.doc-card-top h3{
    font-size:20px;
    color:#111827;
    margin-bottom:3px;
}

.doc-card-top span{
    font-size:12px;
    color:#667085;
}

/* LIST */

.doc-list{
    padding:12px 22px 18px;
}

.doc-item{
    padding:12px 0;
    border-bottom:1px dashed #e7edf5;
}

.doc-item:last-child{
    border-bottom:none;
    padding-bottom:0;
}

.doc-item strong{
    display:block;
    font-size:14px;
    color:#111827;
    margin-bottom:4px;
}

.doc-item p{
    font-size:12px;
    color:#667085;
    line-height:1.6;
}

/* NOTE */

.doc-note{
    margin-top:20px;
    background:#fff;
    border:1px solid #e8edf5;
    padding:16px 18px;
    border-radius:16px;
    font-size:13px;
    color:#667085;
    line-height:1.7;
    text-align:center;
}

/* ================= RESPONSIVE ================= */

@media(max-width:900px){

    .doc-grid{
        grid-template-columns:1fr;
    }

}

@media(max-width:768px){

    .doc-section{
        padding:60px 4%;
    }

    .doc-heading h2{
        font-size:32px;
    }

}

@media(max-width:480px){

    .doc-heading h2{
        font-size:26px;
    }

    .doc-card-top{
        padding:18px;
    }

    .doc-list{
        padding:10px 18px 16px;
    }

}





/* ================= FEES SECTION ================= */

.fees-section{
    width:100%;
    padding:75px 5%;
    background:#f7f9fc;
    font-family:'Inter',sans-serif;
}

.fees-container{
    max-width:1450px;
    margin:auto;
}

/* HEADING */

.fees-heading{
    text-align:center;
    margin-bottom:35px;
}

.fees-tag{
    display:inline-block;
    background:#e8f0ff;
    color:#0b57d0;
    padding:8px 16px;
    border-radius:40px;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:16px;
}

.fees-heading h2{
    font-size:42px;
    font-weight:800;
    color:#111827;
    margin-bottom:12px;
}

.fees-heading h2 span{
    color:#0b57d0;
}

.fees-heading p{
    font-size:14px;
    color:#667085;
    max-width:720px;
    margin:auto;
    line-height:1.8;
}

/* TABLE */

.fees-table-wrapper{
    background:#fff;
    border-radius:24px;
    overflow:auto;
    border:1px solid #e8edf5;
}

.fees-table{
    width:100%;
    border-collapse:collapse;
    min-width:950px;
}

.fees-table thead{
    background:#0b2341;
}

.fees-table thead th{
    color:#fff;
    padding:18px 20px;
    text-align:left;
    font-size:14px;
    font-weight:700;
    white-space:nowrap;
}

.fees-table tbody tr{
    border-bottom:1px solid #eef3f8;
    transition:0.2s ease;
}

.fees-table tbody tr:hover{
    background:#f8fbff;
}

.fees-table tbody td{
    padding:18px 20px;
    font-size:13px;
    line-height:1.7;
    color:#5b6472;
    vertical-align:top;
}

.fees-table tbody td strong{
    color:#111827;
    font-size:14px;
}

/* NOTE */

.fees-note{
    margin-top:22px;
    background:#fff;
    border:1px solid #e8edf5;
    border-radius:20px;
    padding:20px;
    display:flex;
    gap:16px;
    align-items:flex-start;
}

.fees-note-icon{
    width:42px;
    height:42px;
    min-width:42px;
    border-radius:50%;
    background:#0b57d0;
    color:#fff;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:20px;
    font-weight:700;
}

.fees-note-content h4{
    font-size:18px;
    color:#111827;
    margin-bottom:10px;
}

.fees-note-content p{
    font-size:13px;
    line-height:1.8;
    color:#667085;
    margin-bottom:10px;
}

.fees-note-content p:last-child{
    margin-bottom:0;
}

/* ================= RESPONSIVE ================= */

@media(max-width:768px){

    .fees-section{
        padding:60px 4%;
    }

    .fees-heading h2{
        font-size:32px;
    }

    .fees-note{
        padding:18px;
    }

}

@media(max-width:480px){

    .fees-heading h2{
        font-size:26px;
    }

    .fees-table thead th{
        font-size:13px;
        padding:14px;
    }

    .fees-table tbody td{
        padding:14px;
        font-size:12px;
    }

}


/* ================= TESTIMONIALS ================= */

.finance-testimonials-section{
    width:100%;
    padding:90px 0;
    background:#f7f9fc;
    overflow:hidden;
    font-family:'Inter',sans-serif;
}

.finance-testimonials-container{
    width:100%;
}

/* HEADING */

.finance-testimonials-head{
    text-align:center;
    margin-bottom:50px;
    padding:0 5%;
}

.finance-testimonial-badge{
    display:inline-block;
    padding:8px 16px;
    border-radius:40px;
    background:#eaf2ff;
    color:#0b57d0;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.finance-testimonials-head h2{
    font-size:48px;
    font-weight:800;
    line-height:1.1;
    color:#111827;
    margin-bottom:18px;
}

.finance-testimonials-head h2 span{
    color:#0b57d0;
}

.finance-testimonials-head p{
    max-width:820px;
    margin:auto;
    font-size:15px;
    line-height:1.9;
    color:#667085;
}

/* SLIDER */

.finance-testimonial-slider{
    width:100%;
    overflow:hidden;
    position:relative;
}

.finance-testimonial-track{
    display:flex;
    gap:24px;
    width:max-content;
    animation:testimonialSlide 40s linear infinite;
}

.finance-testimonial-slider:hover .finance-testimonial-track{
    animation-play-state:paused;
}

/* CARD */

.finance-testimonial-card{
    width:420px;
    background:#fff;
    border-radius:32px;
    padding:30px;
    border:1px solid #e7edf5;
    box-shadow:0 20px 40px rgba(0,0,0,0.04);
    transition:0.35s ease;
    position:relative;
    overflow:hidden;
}

.finance-testimonial-card::before{
    content:"";
    position:absolute;
    width:180px;
    height:180px;
    border-radius:50%;
    background:rgba(11,87,208,0.04);
    top:-90px;
    right:-90px;
}

.finance-testimonial-card:hover{
    transform:translateY(-8px);
    box-shadow:0 25px 50px rgba(0,0,0,0.08);
}

/* STARS */

.finance-stars{
    font-size:20px;
    margin-bottom:18px;
    color:#ffb800;
    letter-spacing:2px;
}

/* REVIEW */

.finance-review{
    font-size:14px;
    line-height:1.95;
    color:#4b5563;
    margin-bottom:26px;
}

/* USER */

.finance-user{
    display:flex;
    align-items:center;
    gap:14px;
}

.finance-user-img{
    width:58px;
    height:58px;
    border-radius:50%;
    background:linear-gradient(135deg,#0b2341,#0b57d0);
    color:#fff;
    font-size:20px;
    font-weight:700;
    display:flex;
    align-items:center;
    justify-content:center;
}

.finance-user h4{
    font-size:16px;
    font-weight:700;
    color:#111827;
    margin-bottom:5px;
}

.finance-user span{
    font-size:12px;
    color:#667085;
}

/* NOTE */

.finance-testimonial-note{
    max-width:1200px;
    margin:40px auto 0;
    background:#fff8eb;
    border:1px solid #ffe2a0;
    border-radius:24px;
    padding:20px 24px;
    font-size:13px;
    line-height:1.9;
    color:#8a5a00;
}

/* ANIMATION */

@keyframes testimonialSlide{

    0%{
        transform:translateX(0);
    }

    100%{
        transform:translateX(calc(-420px * 3));
    }

}

/* ================= RESPONSIVE ================= */

@media(max-width:768px){

    .finance-testimonials-section{
        padding:70px 0;
    }

    .finance-testimonials-head h2{
        font-size:34px;
    }

    .finance-testimonial-card{
        width:320px;
        padding:24px;
        border-radius:26px;
    }

    .finance-review{
        font-size:13px;
    }

}

@media(max-width:480px){

    .finance-testimonials-head h2{
        font-size:28px;
    }

    .finance-testimonials-head p{
        font-size:13px;
    }

    .finance-testimonial-card{
        width:280px;
        padding:22px;
    }

    .finance-stars{
        font-size:18px;
    }

}

/* ================= WHY PREMIUM ================= */

.why-premium-section{
    width:100%;
    padding:90px 5%;
    background:#f7f9fc;
    overflow:hidden;
    font-family:'Inter',sans-serif;
}

.why-premium-container{
    max-width:1450px;
    margin:auto;
}

/* HEADING */

.why-premium-heading{
    text-align:center;
    margin-bottom:70px;
}

.why-premium-tag{
    display:inline-block;
    padding:8px 16px;
    background:#eaf2ff;
    color:#0b57d0;
    border-radius:40px;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.why-premium-heading h2{
    font-size:48px;
    font-weight:800;
    line-height:1.15;
    color:#111827;
    margin-bottom:18px;
}

.why-premium-heading h2 span{
    color:#0b57d0;
}

.why-premium-heading p{
    max-width:760px;
    margin:auto;
    font-size:15px;
    line-height:1.9;
    color:#667085;
}

/* MAIN */

.why-premium-wrapper{
    display:grid;
    grid-template-columns:1fr 420px 1fr;
    gap:35px;
    align-items:center;
}

/* SIDES */

.why-side{
    display:flex;
    flex-direction:column;
    gap:24px;
}

/* CARD */

.why-feature-card{
    background:#fff;
    border-radius:28px;
    padding:24px;
    border:1px solid #e8edf5;
    display:flex;
    gap:18px;
    align-items:flex-start;
    transition:0.35s ease;
    position:relative;
    overflow:hidden;
}

.why-feature-card::before{
    content:"";
    position:absolute;
    width:140px;
    height:140px;
    background:rgba(11,87,208,0.04);
    border-radius:50%;
    right:-60px;
    top:-60px;
}

.why-feature-card:hover{
    transform:translateY(-6px);
    box-shadow:0 20px 40px rgba(0,0,0,0.06);
}

/* ICON */

.why-feature-icon{
    width:64px;
    height:64px;
    min-width:64px;
    border-radius:20px;
    background:linear-gradient(135deg,#0b2341,#0b57d0);

    /* ICON PLACE */
    display:flex;
    align-items:center;
    justify-content:center;
}

/* CONTENT */

.why-feature-content h3{
    font-size:20px;
    font-weight:700;
    color:#111827;
    margin-bottom:10px;
}

.why-feature-content p{
    font-size:14px;
    line-height:1.8;
    color:#667085;
}

/* CENTER IMAGE */

.why-center-image{
    position:relative;
    text-align:center;
}

.why-center-image img{
    width:100%;
    max-width:420px;
    position:relative;
    z-index:2;
    object-fit:contain;
    animation:floatImage 4s ease-in-out infinite;
}

/* GLOW */

.why-glow{
    position:absolute;
    width:360px;
    height:360px;
    background:radial-gradient(circle,
    rgba(11,87,208,0.18) 0%,
    rgba(11,87,208,0) 70%);
    left:50%;
    top:50%;
    transform:translate(-50%,-50%);
    z-index:1;
}

/* ANIMATION */

@keyframes floatImage{

    0%{
        transform:translateY(0px);
    }

    50%{
        transform:translateY(-10px);
    }

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

}

/* ================= RESPONSIVE ================= */

@media(max-width:1200px){

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

    .why-center-image{
        order:-1;
        margin-bottom:10px;
    }

    .why-side{
        max-width:800px;
        margin:auto;
    }

}

@media(max-width:768px){

    .why-premium-section{
        padding:70px 4%;
    }

    .why-premium-heading{
        margin-bottom:45px;
    }

    .why-premium-heading h2{
        font-size:34px;
    }

    .why-feature-card{
        padding:20px;
        border-radius:22px;
    }

    .why-feature-icon{
        width:56px;
        height:56px;
        min-width:56px;
    }

    .why-feature-content h3{
        font-size:17px;
    }

    .why-feature-content p{
        font-size:13px;
    }

}

@media(max-width:480px){

    .why-premium-heading h2{
        font-size:28px;
    }

    .why-premium-heading p{
        font-size:13px;
    }

    .why-feature-card{
        flex-direction:column;
        gap:14px;
    }

}



/* ================= RBI GUIDELINES ================= */

.rbi-guidelines-section{
    width:100%;
    padding:90px 5%;
    background:#f7f9fc;
    font-family:'Inter',sans-serif;
    overflow:hidden;
}

.rbi-guidelines-container{
    max-width:1450px;
    margin:auto;
    display:grid;
    grid-template-columns:1.1fr 0.9fr;
    gap:45px;
    align-items:center;
}

/* LEFT */

.rbi-badge{
    display:inline-block;
    padding:8px 16px;
    border-radius:40px;
    background:#eaf2ff;
    color:#0b57d0;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.rbi-guidelines-left h2{
    font-size:48px;
    line-height:1.15;
    font-weight:800;
    color:#111827;
    margin-bottom:18px;
}

.rbi-guidelines-left h2 span{
    color:#0b57d0;
}

.rbi-main-text{
    font-size:15px;
    line-height:1.9;
    color:#667085;
    margin-bottom:38px;
    max-width:760px;
}

/* POINTS */

.rbi-points{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:22px;
}

.rbi-point-card{
    background:#fff;
    border-radius:26px;
    padding:24px;
    border:1px solid #e7edf5;
    display:flex;
    gap:18px;
    align-items:flex-start;
    transition:0.35s ease;
    position:relative;
    overflow:hidden;
}

.rbi-point-card::before{
    content:"";
    position:absolute;
    width:140px;
    height:140px;
    background:rgba(11,87,208,0.04);
    border-radius:50%;
    top:-70px;
    right:-70px;
}

.rbi-point-card:hover{
    transform:translateY(-6px);
    box-shadow:0 18px 35px rgba(0,0,0,0.06);
}

/* ICON */

.rbi-icon{
    width:58px;
    height:58px;
    min-width:58px;
    border-radius:18px;
    background:linear-gradient(135deg,#0b2341,#0b57d0);

    /* ICON SPACE */
    display:flex;
    align-items:center;
    justify-content:center;
}

/* TEXT */

.rbi-point-card h3{
    font-size:18px;
    font-weight:700;
    color:#111827;
    margin-bottom:10px;
}

.rbi-point-card p{
    font-size:13px;
    line-height:1.8;
    color:#667085;
}

/* RIGHT */

.rbi-info-card{
    background:#fff;
    border-radius:34px;
    padding:36px;
    border:1px solid #e7edf5;
    box-shadow:0 30px 60px rgba(0,0,0,0.05);
    position:relative;
    overflow:hidden;
}

.rbi-info-card::before{
    content:"";
    position:absolute;
    width:260px;
    height:260px;
    background:rgba(11,87,208,0.04);
    border-radius:50%;
    top:-120px;
    right:-120px;
}

/* TOP */

.rbi-top{
    display:flex;
    align-items:center;
    gap:18px;
    margin-bottom:34px;
}

.rbi-circle{
    width:74px;
    height:74px;
    border-radius:50%;
    background:linear-gradient(135deg,#0b2341,#0b57d0);
    color:#fff;
    font-size:20px;
    font-weight:800;
    display:flex;
    align-items:center;
    justify-content:center;
    box-shadow:0 12px 30px rgba(11,87,208,0.25);
}

.rbi-top h3{
    font-size:24px;
    font-weight:800;
    color:#111827;
    margin-bottom:6px;
}

.rbi-top span{
    font-size:13px;
    color:#667085;
}

/* LIST */

.rbi-list{
    display:flex;
    flex-direction:column;
    gap:18px;
    margin-bottom:28px;
}

.rbi-list-item{
    display:flex;
    gap:14px;
    font-size:14px;
    line-height:1.8;
    color:#4b5563;
}

.rbi-list-item span{
    width:11px;
    height:11px;
    min-width:11px;
    border-radius:50%;
    background:#0b57d0;
    margin-top:8px;
}

/* ALERT */

.rbi-alert-box{
    background:#fff8eb;
    border:1px solid #ffe3a4;
    border-radius:20px;
    padding:18px 20px;
    font-size:13px;
    line-height:1.8;
    color:#8a5a00;
}

/* ================= RESPONSIVE ================= */

@media(max-width:1150px){

    .rbi-guidelines-container{
        grid-template-columns:1fr;
    }

}

@media(max-width:768px){

    .rbi-guidelines-section{
        padding:70px 4%;
    }

    .rbi-guidelines-left h2{
        font-size:34px;
    }

    .rbi-points{
        grid-template-columns:1fr;
    }

    .rbi-info-card{
        padding:26px;
        border-radius:28px;
    }

    .rbi-top h3{
        font-size:20px;
    }

}

@media(max-width:480px){

    .rbi-guidelines-left h2{
        font-size:28px;
    }

    .rbi-main-text{
        font-size:13px;
    }

    .rbi-point-card{
        padding:20px;
        border-radius:22px;
    }

    .rbi-top{
        flex-direction:column;
        align-items:flex-start;
    }

}



/* ================= COMPANY DETAILS ================= */

.company-details-section{
    width:100%;
    padding:90px 5%;
    background:#f7f9fc;
    font-family:'Inter',sans-serif;
}

.company-details-container{
    max-width:1200px;
    margin:auto;
}

/* TOP */

.company-details-head{
    text-align:center;
    margin-bottom:40px;
}

.company-details-badge{
    display:inline-block;
    padding:8px 16px;
    border-radius:40px;
    background:#eaf2ff;
    color:#0b57d0;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.company-details-head h2{
    font-size:44px;
    font-weight:800;
    line-height:1.15;
    color:#111827;
    margin-bottom:14px;
}

.company-details-head h2 span{
    color:#0b57d0;
}

.company-details-head p{
    font-size:15px;
    color:#667085;
    line-height:1.8;
    max-width:700px;
    margin:auto;
}

/* BOX */

.company-details-box{
    background:#ffffff;
    border-radius:34px;
    padding:40px;
    border:1px solid #e7edf5;
    box-shadow:0 25px 60px rgba(0,0,0,0.05);

    display:grid;
    grid-template-columns:1fr 1fr;
    gap:20px;
}

/* ITEM */

.company-detail-item{
    background:#f9fbff;
    border:1px solid #edf2f7;
    border-radius:22px;
    padding:20px 22px;
    transition:0.3s ease;
}

.company-detail-item:hover{
    transform:translateY(-4px);
    box-shadow:0 12px 30px rgba(0,0,0,0.05);
}

.detail-label{
    display:block;
    font-size:12px;
    font-weight:700;
    letter-spacing:0.5px;
    color:#0b57d0;
    margin-bottom:10px;
    text-transform:uppercase;
}

.detail-value{
    font-size:15px;
    line-height:1.7;
    color:#111827;
    font-weight:600;
}

/* NOTE */

.company-note{
    margin-top:28px;
    background:#fff8eb;
    border:1px solid #ffe2a0;
    padding:22px 24px;
    border-radius:22px;
    font-size:13px;
    line-height:1.9;
    color:#8a5a00;
}

/* ================= RESPONSIVE ================= */

@media(max-width:768px){

    .company-details-section{
        padding:70px 4%;
    }

    .company-details-head h2{
        font-size:34px;
    }

    .company-details-box{
        grid-template-columns:1fr;
        padding:24px;
        border-radius:28px;
    }

}

@media(max-width:480px){

    .company-details-head h2{
        font-size:28px;
    }

    .company-details-head p{
        font-size:13px;
    }

    .company-detail-item{
        padding:18px;
    }

    .detail-value{
        font-size:14px;
    }

}


/* ================= FAQ SECTION ================= */

.finance-faq-section{
    width:100%;
    padding:100px 5%;
    background:#f7f9fc;
    font-family:'Inter',sans-serif;
}

.finance-faq-container{
    max-width:1400px;
    margin:auto;
}

/* HEADING */

.finance-faq-head{
    text-align:center;
    margin-bottom:60px;
}

.finance-faq-badge{
    display:inline-block;
    padding:8px 18px;
    border-radius:50px;
    background:#eaf2ff;
    color:#0b57d0;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.finance-faq-head h2{
    font-size:52px;
    line-height:1.1;
    font-weight:800;
    color:#081b33;
    margin-bottom:18px;
}

.finance-faq-head h2 span{
    color:#0b57d0;
}

.finance-faq-head p{
    max-width:760px;
    margin:auto;
    color:#667085;
    font-size:15px;
    line-height:1.9;
}

/* GRID */

.finance-faq-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:28px;
}

/* COLUMN */

.finance-faq-column{
    display:flex;
    flex-direction:column;
    gap:22px;
}

/* ITEM */

.finance-faq-item{
    background:#ffffff;
    border-radius:28px;
    border:1px solid #e7edf5;
    overflow:hidden;
    transition:0.35s ease;
    box-shadow:0 10px 30px rgba(0,0,0,0.03);
}

.finance-faq-item:hover{
    transform:translateY(-5px);
    box-shadow:0 18px 40px rgba(0,0,0,0.06);
}

/* QUESTION */

.finance-faq-question{
    width:100%;
    background:none;
    border:none;
    padding:26px 28px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:20px;
    cursor:pointer;
    text-align:left;
}

.finance-faq-question span{
    font-size:16px;
    font-weight:700;
    color:#081b33;
    line-height:1.6;
}

/* ICON */

.finance-faq-icon{
    width:42px;
    height:42px;
    min-width:42px;
    border-radius:50%;
    background:linear-gradient(135deg,#0b57d0,#081b33);
    color:#fff;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:22px;
    font-weight:500;
    transition:0.3s ease;
}

/* ANSWER */

.finance-faq-answer{
    max-height:0;
    overflow:hidden;
    transition:max-height 0.4s ease,padding 0.4s ease;
    padding:0 28px;
    color:#667085;
    font-size:14px;
    line-height:1.9;
}

/* ACTIVE */

.finance-faq-item.active .finance-faq-answer{
    max-height:250px;
    padding:0 28px 26px;
}

.finance-faq-item.active .finance-faq-icon{
    transform:rotate(45deg);
}

/* ================= RESPONSIVE ================= */

@media(max-width:991px){

    .finance-faq-grid{
        grid-template-columns:1fr;
    }

}

@media(max-width:768px){

    .finance-faq-section{
        padding:70px 4%;
    }

    .finance-faq-head h2{
        font-size:36px;
    }

    .finance-faq-question{
        padding:22px;
    }

}

@media(max-width:480px){

    .finance-faq-head h2{
        font-size:30px;
    }

    .finance-faq-head p{
        font-size:13px;
    }

    .finance-faq-question span{
        font-size:14px;
    }

    .finance-faq-answer{
        font-size:13px;
    }

    .finance-faq-icon{
        width:36px;
        height:36px;
        min-width:36px;
        font-size:20px;
    }

}




/* ================= LOAN FORM ================= */

.loan-form-section{
    width:100%;
    padding:100px 5%;
    background:#f4f7fb;
    font-family:'Inter',sans-serif;
}

.loan-form-container{
    max-width:1350px;
    margin:auto;
}

.loan-form-head{
    text-align:center;
    margin-bottom:50px;
}

.loan-form-badge{
    display:inline-block;
    padding:8px 18px;
    background:#eaf2ff;
    color:#0b57d0;
    border-radius:50px;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.loan-form-head h2{
    font-size:52px;
    color:#081b33;
    font-weight:800;
    margin-bottom:18px;
}

.loan-form-head h2 span{
    color:#0b57d0;
}

.loan-form-head p{
    max-width:850px;
    margin:auto;
    color:#667085;
    line-height:1.9;
    font-size:15px;
}

.loan-main-form{
    display:flex;
    flex-direction:column;
    gap:30px;
}

.loan-form-card{
    background:#ffffff;
    border-radius:30px;
    padding:35px;
    border:1px solid #e7edf5;
    box-shadow:0 12px 35px rgba(0,0,0,0.04);
}

.loan-form-card h3{
    font-size:24px;
    color:#081b33;
    margin-bottom:28px;
    font-weight:700;
}

.loan-form-grid{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:22px;
}

.loan-input{
    display:flex;
    flex-direction:column;
}

.loan-input label{
    font-size:14px;
    font-weight:600;
    color:#243b53;
    margin-bottom:10px;
}

.loan-input input,
.loan-input select,
.loan-input textarea{
    width:100%;
    padding:16px 18px;
    border-radius:16px;
    border:1px solid #d9e3ee;
    background:#f9fbfd;
    font-size:14px;
    color:#081b33;
    outline:none;
    transition:0.3s;
}

.loan-input textarea{
    min-height:120px;
    resize:none;
}

.loan-input input:focus,
.loan-input select:focus,
.loan-input textarea:focus{
    border-color:#0b57d0;
    background:#fff;
}

.full-width{
    grid-column:1/-1;
}

.loan-checkbox{
    display:flex;
    gap:12px;
    margin-bottom:18px;
    align-items:flex-start;
}

.loan-checkbox input{
    margin-top:4px;
}

.loan-checkbox label{
    font-size:14px;
    line-height:1.8;
    color:#4b5563;
}

.loan-submit-btn{
    height:64px;
    border:none;
    border-radius:20px;
    background:linear-gradient(135deg,#081b33,#0b57d0);
    color:#fff;
    font-size:17px;
    font-weight:700;
    cursor:pointer;
    transition:0.3s;
}

.loan-submit-btn:hover{
    transform:translateY(-3px);
    box-shadow:0 18px 40px rgba(11,87,208,0.25);
}

/* RESPONSIVE */

@media(max-width:991px){

    .loan-form-grid{
        grid-template-columns:1fr;
    }

    .loan-form-head h2{
        font-size:40px;
    }

}

@media(max-width:768px){

    .loan-form-section{
        padding:70px 4%;
    }

    .loan-form-card{
        padding:24px;
        border-radius:24px;
    }

    .loan-form-head h2{
        font-size:32px;
    }

}

@media(max-width:480px){

    .loan-form-head h2{
        font-size:28px;
    }

    .loan-input input,
    .loan-input select,
    .loan-input textarea{
        padding:14px;
        border-radius:14px;
    }

}



/* ================= ABOUT BANNER ================= */

.about-page-banner{
    position:relative;
    width:100%;
    height:340px;

    /* IMAGE LAGANE KI JAGAH */
    background:url('../img/termi.png') center/cover no-repeat;

    display:flex;
    align-items:center;
    justify-content:center;

    overflow:hidden;
}

/* DARK OVERLAY */

.about-banner-overlay{
    position:absolute;
    inset:0;
    background:
    linear-gradient(
        135deg,
        rgba(4,18,38,0.82),
        rgba(7,35,68,0.65)
    );
}

/* CONTENT */

.about-banner-content{
    position:relative;
    z-index:2;
    text-align:center;
    padding:20px;
}

.about-mini-text{
    display:inline-block;
    padding:8px 18px;
    border-radius:50px;
    background:rgba(255,255,255,0.12);
    backdrop-filter:blur(10px);

    color:#ffffff;
    font-size:12px;
    font-weight:600;
    letter-spacing:1px;

    margin-bottom:18px;
}

.about-banner-content h1{
    font-size:68px;
    font-weight:800;
    color:#ffffff;
    line-height:1.1;

    margin-bottom:18px;
}

/* BREADCRUMB */

.about-breadcrumb{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:10px;

    flex-wrap:wrap;
}

.about-breadcrumb a{
    color:#ffffff;
    text-decoration:none;
    font-size:15px;
    font-weight:500;

    opacity:0.9;
}

.about-breadcrumb span{
    color:#9fb4d1;
    font-size:14px;
}

.about-breadcrumb p{
    color:#ffffff;
    font-size:15px;
    font-weight:600;
}

/* RESPONSIVE */

@media(max-width:768px){

    .about-page-banner{
        height:260px;
    }

    .about-banner-content h1{
        font-size:46px;
    }

}

@media(max-width:480px){

    .about-page-banner{
        height:220px;
    }

    .about-banner-content h1{
        font-size:34px;
    }

    .about-mini-text{
        font-size:11px;
    }

}



/* ================= PRIVACY POLICY ================= */

.privacy-policy-section{
    width:100%;
    padding:90px 5%;
    background:#f5f7fb;
    font-family:'Inter',sans-serif;
}

.privacy-policy-container{
    max-width:1200px;
    margin:auto;
}

/* HEADER */

.privacy-policy-header{
    text-align:center;
    margin-bottom:55px;
}

.privacy-badge{
    display:inline-block;
    padding:8px 18px;
    border-radius:50px;
    background:#e8f0ff;
    color:#0b57d0;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:20px;
}

.privacy-policy-header h1{
    font-size:48px;
    color:#071a35;
    font-weight:800;
    line-height:1.2;
    margin-bottom:20px;
}

.privacy-policy-header h1 span{
    color:#0b57d0;
}

.privacy-policy-header p{
    max-width:900px;
    margin:auto;
    color:#5f6c7b;
    line-height:1.9;
    font-size:15px;
}

.privacy-update{
    margin-top:18px !important;
    font-size:13px !important;
    font-weight:600;
    color:#0b57d0 !important;
}

/* CONTENT */

.privacy-policy-wrapper{
    display:flex;
    flex-direction:column;
    gap:25px;
}

.privacy-card{
    background:#ffffff;
    border-radius:24px;
    padding:35px;
    border:1px solid #e7edf5;
    box-shadow:0 8px 28px rgba(0,0,0,0.04);
}

.privacy-card h2{
    font-size:24px;
    color:#071a35;
    margin-bottom:18px;
    font-weight:700;
}

.privacy-card p{
    color:#556272;
    font-size:15px;
    line-height:1.9;
    margin-bottom:16px;
}

.privacy-card ul{
    padding-left:20px;
}

.privacy-card ul li{
    color:#556272;
    margin-bottom:14px;
    line-height:1.8;
    font-size:15px;
}

.privacy-contact-box{
    margin-top:20px;
    background:#f7faff;
    border:1px solid #dce8ff;
    border-radius:18px;
    padding:22px;
}

.privacy-contact-box p{
    margin-bottom:10px;
}

/* RESPONSIVE */

@media(max-width:768px){

    .privacy-policy-section{
        padding:70px 4%;
    }

    .privacy-policy-header h1{
        font-size:34px;
    }

    .privacy-card{
        padding:24px;
        border-radius:20px;
    }

    .privacy-card h2{
        font-size:21px;
    }

}

@media(max-width:480px){

    .privacy-policy-header h1{
        font-size:28px;
    }

    .privacy-card p,
    .privacy-card ul li{
        font-size:14px;
    }

}



/* ================= TERMS & CONDITIONS ================= */

.terms-section{
    width:100%;
    padding:90px 5%;
    background:#f5f7fb;
    font-family:'Inter',sans-serif;
}

.terms-container{
    max-width:1200px;
    margin:auto;
}

/* HEADER */

.terms-header{
    text-align:center;
    margin-bottom:55px;
}

.terms-badge{
    display:inline-block;
    padding:8px 18px;
    border-radius:50px;
    background:#e8f0ff;
    color:#0b57d0;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:20px;
}

.terms-header h1{
    font-size:48px;
    color:#071a35;
    font-weight:800;
    line-height:1.2;
    margin-bottom:20px;
}

.terms-header h1 span{
    color:#0b57d0;
}

.terms-header p{
    max-width:900px;
    margin:auto;
    color:#5f6c7b;
    line-height:1.9;
    font-size:15px;
}

.terms-update{
    margin-top:18px !important;
    font-size:13px !important;
    font-weight:600;
    color:#0b57d0 !important;
}

/* CONTENT */

.terms-wrapper{
    display:flex;
    flex-direction:column;
    gap:25px;
}

.terms-card{
    background:#ffffff;
    border-radius:24px;
    padding:35px;
    border:1px solid #e7edf5;
    box-shadow:0 8px 28px rgba(0,0,0,0.04);
}

.terms-card h2{
    font-size:24px;
    color:#071a35;
    margin-bottom:18px;
    font-weight:700;
}

.terms-card p{
    color:#556272;
    font-size:15px;
    line-height:1.9;
    margin-bottom:16px;
}

.terms-card ul{
    padding-left:20px;
}

.terms-card ul li{
    color:#556272;
    margin-bottom:14px;
    line-height:1.8;
    font-size:15px;
}

.terms-contact-box{
    margin-top:20px;
    background:#f7faff;
    border:1px solid #dce8ff;
    border-radius:18px;
    padding:22px;
}

.terms-contact-box p{
    margin-bottom:10px;
}

/* RESPONSIVE */

@media(max-width:768px){

    .terms-section{
        padding:70px 4%;
    }

    .terms-header h1{
        font-size:34px;
    }

    .terms-card{
        padding:24px;
        border-radius:20px;
    }

    .terms-card h2{
        font-size:21px;
    }

}

@media(max-width:480px){

    .terms-header h1{
        font-size:28px;
    }

    .terms-card p,
    .terms-card ul li{
        font-size:14px;
    }

}


/* ================= COMPLETE LOANS SECTION ================= */

.all-loans-section{
    width:100%;
    padding:90px 5%;
    background:#f4f7fb;
    font-family:'Inter',sans-serif;
}

.all-loans-container{
    max-width:1400px;
    margin:auto;
}

/* HEADER */

.all-loans-header{
    text-align:center;
    margin-bottom:60px;
}

.all-loans-badge{
    display:inline-block;
    padding:8px 18px;
    border-radius:50px;
    background:#e8f0ff;
    color:#0b57d0;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.all-loans-header h2{
    font-size:50px;
    font-weight:800;
    color:#081b33;
    line-height:1.2;
    margin-bottom:20px;
}

.all-loans-header h2 span{
    color:#0b57d0;
}

.all-loans-header p{
    max-width:920px;
    margin:auto;
    font-size:15px;
    line-height:1.9;
    color:#5d6a79;
}

/* GRID */

.all-loans-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:26px;
}

/* CARD */

.loan-main-card{
    background:#ffffff;
    border-radius:30px;
    padding:30px;
    border:1px solid #e5edf7;
    box-shadow:0 10px 30px rgba(0,0,0,0.04);
    transition:0.35s;
}

.loan-main-card:hover{
    transform:translateY(-6px);
    box-shadow:0 18px 40px rgba(0,0,0,0.08);
}

.loan-icon{
    width:72px;
    height:72px;
    border-radius:20px;
    background:#eef4ff;
    border:1px dashed #0b57d0;
    margin-bottom:24px;
}

/* TITLE */

.loan-main-card h3{
    font-size:24px;
    color:#081b33;
    font-weight:700;
    margin-bottom:16px;
}

/* SHORT TEXT */

.loan-short{
    color:#617182;
    font-size:14px;
    line-height:1.8;
    margin-bottom:24px;
}

/* BASIC INFO */

.loan-basic-info{
    display:flex;
    gap:14px;
    margin-bottom:22px;
}

.loan-basic-info div{
    flex:1;
    background:#f5f8fd;
    border-radius:18px;
    padding:14px;
}

.loan-basic-info span{
    display:block;
    font-size:11px;
    color:#7c8897;
    margin-bottom:6px;
}

.loan-basic-info strong{
    color:#081b33;
    font-size:14px;
}

/* BUTTON */

.loan-toggle-btn{
    width:100%;
    border:none;
    background:#0b57d0;
    color:#fff;
    padding:14px 20px;
    border-radius:16px;
    font-size:14px;
    font-weight:600;
    cursor:pointer;

    display:flex;
    align-items:center;
    justify-content:space-between;

    transition:0.3s;
}

.loan-toggle-btn:hover{
    background:#0948ad;
}

/* ARROW */

.loan-arrow-icon{
    transition:0.35s ease;
}

/* ROTATE WHEN OPEN */

.loan-main-card.active .loan-arrow-icon{
    transform:rotate(180deg);
}

/* HIDDEN */

.loan-hidden-content{
    display:none;
    padding-top:24px;
}

.loan-main-card.active .loan-hidden-content{
    display:block;
}

.loan-main-card.active .loan-toggle-btn span{
    transform:rotate(180deg);
}

/* DETAIL BOX */

.loan-detail-box{
    padding:18px;
    border-radius:18px;
    background:#f7faff;
    margin-bottom:16px;
}

.loan-detail-box h4{
    font-size:15px;
    color:#081b33;
    margin-bottom:10px;
}

.loan-detail-box p{
    font-size:13px;
    color:#607181;
    line-height:1.8;
}

/* FOOTER NOTE */

.loan-footer-note{
    margin-top:40px;
    background:#fff;
    padding:24px 28px;
    border-radius:22px;
    border:1px solid #dbe7fb;
    color:#5c6c7d;
    font-size:14px;
    line-height:1.9;
}

/* RESPONSIVE */

@media(max-width:1200px){

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

}

@media(max-width:768px){

    .all-loans-header h2{
        font-size:34px;
    }

    .all-loans-grid{
        grid-template-columns:1fr;
    }

    .loan-main-card{
        padding:24px;
        border-radius:24px;
    }

}

@media(max-width:480px){

    .loan-basic-info{
        flex-direction:column;
    }

}



/* ================= DISCLAIMER ALERT SECTION ================= */

.finance-disclaimer-section{
    width:100%;
    padding:90px 5%;
    background:#f4f7fb;
    font-family:'Inter',sans-serif;
}

.finance-disclaimer-container{
    max-width:1250px;
    margin:auto;
    background:#ffffff;
    border-radius:34px;
    padding:45px;
    border:1px solid #ffd8d8;
    box-shadow:0 15px 50px rgba(255,0,0,0.05);
}

/* HEADER */

.finance-alert-header{
    display:flex;
    align-items:flex-start;
    gap:20px;
    margin-bottom:40px;
}

.finance-alert-icon{
    width:72px;
    height:72px;
    min-width:72px;
    border-radius:22px;
    background:linear-gradient(135deg,#ff4d4d,#d40000);
    color:#fff;
    font-size:34px;
    font-weight:800;

    display:flex;
    align-items:center;
    justify-content:center;

    box-shadow:0 10px 30px rgba(255,0,0,0.25);
}

.finance-alert-header h2{
    font-size:38px;
    color:#081b33;
    font-weight:800;
    margin-bottom:10px;
}

.finance-alert-header p{
    color:#6b7480;
    font-size:15px;
    line-height:1.8;
}

/* BODY */

.finance-alert-body{
    display:flex;
    flex-direction:column;
    gap:22px;
}

/* ALERT ITEM */

.finance-alert-item{
    background:#fff5f5;
    border:1px solid #ffd7d7;
    border-radius:24px;
    padding:24px;
    display:flex;
    gap:18px;
    transition:0.3s;
}

.finance-alert-item:hover{
    transform:translateY(-4px);
    box-shadow:0 12px 30px rgba(255,0,0,0.08);
}

.finance-alert-dot{
    width:16px;
    height:16px;
    min-width:16px;
    border-radius:50%;
    background:#ff2d2d;
    margin-top:8px;
    box-shadow:0 0 12px rgba(255,0,0,0.4);
}

/* TEXT */

.finance-alert-item h3{
    font-size:21px;
    color:#a60000;
    margin-bottom:10px;
    font-weight:700;
}

.finance-alert-item p{
    color:#5d646f;
    font-size:14px;
    line-height:1.9;
}

/* FRAUD WARNING */

.fraud-warning{
    background:#ffecec;
    border:2px solid #ff4b4b;
}

/* BLINK EFFECT */

.blink-alert{
    animation:blinkGlow 1.8s infinite;
}

@keyframes blinkGlow{

    0%{
        box-shadow:0 0 0 rgba(255,0,0,0);
    }

    50%{
        box-shadow:0 0 25px rgba(255,0,0,0.20);
    }

    100%{
        box-shadow:0 0 0 rgba(255,0,0,0);
    }

}

/* RESPONSIVE */

@media(max-width:768px){

    .finance-disclaimer-container{
        padding:28px;
        border-radius:24px;
    }

    .finance-alert-header{
        flex-direction:column;
    }

    .finance-alert-header h2{
        font-size:28px;
    }

    .finance-alert-item{
        padding:20px;
        border-radius:20px;
    }

    .finance-alert-item h3{
        font-size:18px;
    }

}

@media(max-width:480px){

    .finance-disclaimer-section{
        padding:70px 4%;
    }

    .finance-alert-header h2{
        font-size:24px;
    }

    .finance-alert-item{
        gap:14px;
    }

}



/* ================= RBI COMPLIANCE SECTION ================= */

.rbi-compliance-section{
    width:100%;
    padding:100px 5%;
    background:#f5f7fb;
    font-family:'Inter',sans-serif;
}

.rbi-compliance-container{
    max-width:1350px;
    margin:auto;
}

/* HEADER */

.rbi-compliance-header{
    text-align:center;
    margin-bottom:70px;
}

.rbi-compliance-badge{
    display:inline-block;
    padding:9px 18px;
    border-radius:50px;
    background:#e8f0ff;
    color:#0b57d0;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:18px;
}

.rbi-compliance-header h2{
    font-size:52px;
    color:#081b33;
    font-weight:800;
    line-height:1.2;
    margin-bottom:22px;
}

.rbi-compliance-header h2 span{
    color:#0b57d0;
}

.rbi-compliance-header p{
    max-width:920px;
    margin:auto;
    color:#667281;
    font-size:15px;
    line-height:1.9;
}

/* GRID */

.rbi-main-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:30px;
    margin-bottom:40px;
}

/* SIDE */

.rbi-left-side,
.rbi-right-side{
    display:flex;
    flex-direction:column;
    gap:24px;
}

/* CARD */

.rbi-policy-card{
    background:#ffffff;
    border-radius:30px;
    padding:28px;
    border:1px solid #e5edf7;
    display:flex;
    gap:22px;
    transition:0.35s;
    box-shadow:0 10px 30px rgba(0,0,0,0.03);
}

.rbi-policy-card:hover{
    transform:translateY(-6px);
    box-shadow:0 18px 40px rgba(0,0,0,0.07);
}

/* ICON */

.rbi-policy-icon{
    width:72px;
    height:72px;
    min-width:72px;
    border-radius:22px;
    background:#081b33;
    border:1px dashed #0b57d0;
}

/* TEXT */

.rbi-policy-content h3{
    font-size:24px;
    color:#081b33;
    margin-bottom:14px;
    font-weight:700;
}

.rbi-policy-content p{
    color:#647181;
    font-size:14px;
    line-height:1.9;
}

/* BOTTOM */

.rbi-bottom-notice{
    display:grid;
    grid-template-columns:1.4fr .8fr;
    gap:24px;
}

/* LEFT NOTICE */

.rbi-notice-left{
    background:#ffffff;
    border-radius:28px;
    padding:32px;
    border:1px solid #dce7f5;
}

.rbi-notice-left h4{
    font-size:28px;
    color:#081b33;
    margin-bottom:14px;
}

.rbi-notice-left p{
    font-size:14px;
    color:#647181;
    line-height:1.9;
}

/* ALERT */

.rbi-alert-box{
    background:#fff1f1;
    border:1px solid #ffcdcd;
    border-radius:28px;
    padding:30px;
    height:100%;
}

.rbi-alert-box strong{
    display:block;
    color:#b10000;
    font-size:22px;
    margin-bottom:14px;
}

.rbi-alert-box p{
    color:#6d5c5c;
    line-height:1.9;
    font-size:14px;
}

/* RESPONSIVE */

@media(max-width:1100px){

    .rbi-main-grid{
        grid-template-columns:1fr;
    }

    .rbi-bottom-notice{
        grid-template-columns:1fr;
    }

}

@media(max-width:768px){

    .rbi-compliance-section{
        padding:80px 4%;
    }

    .rbi-compliance-header h2{
        font-size:34px;
    }

    .rbi-policy-card{
        flex-direction:column;
        padding:24px;
        border-radius:24px;
    }

    .rbi-policy-content h3{
        font-size:21px;
    }

    .rbi-notice-left{
        padding:24px;
    }

    .rbi-alert-box{
        padding:24px;
    }

}

@media(max-width:480px){

    .rbi-compliance-header h2{
        font-size:28px;
    }

}


/* ================= LOAN SLIDER ================= */

.loan-slider-section{
    width:100%;
    padding:70px 5%;
    background:#f5f7fb;
    font-family:'Inter',sans-serif;
}

.loan-slider-top{
    display:flex;
    justify-content:space-between;
    align-items:flex-end;
    margin-bottom:28px;
    gap:20px;
}

.loan-mini-tag{
    display:inline-block;
    padding:8px 16px;
    background:#eaf2ff;
    color:#0b57d0;
    border-radius:40px;
    font-size:11px;
    font-weight:700;
    letter-spacing:1px;
    margin-bottom:14px;
}

.loan-slider-top h2{
    font-size:34px;
    color:#081b33;
    font-weight:800;
    line-height:1.2;
    max-width:650px;
}

.loan-view-btn{
    background:#081b33;
    color:#fff;
    padding:13px 24px;
    border-radius:14px;
    text-decoration:none;
    font-size:14px;
    font-weight:600;
    transition:.3s;
}

.loan-view-btn:hover{
    background:#0b57d0;
}

/* WRAPPER */

.loan-slider-wrapper{
    position:relative;
}

.loan-slider-track{
    display:flex;
    gap:18px;
    overflow-x:auto;
    scroll-behavior:smooth;
    padding:5px;
}

.loan-slider-track::-webkit-scrollbar{
    display:none;
}

/* CARD */

.loan-slide-card{
    min-width:260px;
    max-width:260px;
    background:#fff;
    border-radius:24px;
    padding:20px;
    border:1px solid #e8edf5;
    transition:.35s;
    flex-shrink:0;
    box-shadow:0 10px 25px rgba(0,0,0,0.03);
}

.loan-slide-card:hover{
    transform:translateY(-6px);
    box-shadow:0 18px 35px rgba(0,0,0,0.08);
}

.loan-icon-box{
    width:58px;
    height:58px;
    border-radius:18px;
    background:#edf4ff;
    border:1px dashed #0b57d0;
    margin-bottom:18px;
}

.loan-slide-card h3{
    font-size:22px;
    color:#081b33;
    margin-bottom:12px;
    font-weight:700;
}

.loan-slide-card p{
    font-size:13px;
    color:#667281;
    line-height:1.7;
    margin-bottom:20px;
}

.loan-card-bottom{
    display:flex;
    justify-content:space-between;
    align-items:center;
}

.loan-card-bottom span{
    font-size:12px;
    color:#0b57d0;
    font-weight:700;
}

.loan-card-bottom a{
    width:38px;
    height:38px;
    background:#081b33;
    color:#fff;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    text-decoration:none;
    font-size:18px;
    transition:.3s;
}

.loan-card-bottom a:hover{
    background:#0b57d0;
}

/* ARROWS */

.loan-arrow{
    position:absolute;
    top:50%;
    transform:translateY(-50%);
    width:42px;
    height:42px;
    border:none;
    border-radius:50%;
    background:#ffffff;
    box-shadow:0 8px 20px rgba(0,0,0,0.1);
    cursor:pointer;
    font-size:18px;
    z-index:10;
}

.loan-prev{
    left:-12px;
}

.loan-next{
    right:-12px;
}

/* RESPONSIVE */

@media(max-width:768px){

    .loan-slider-section{
        padding:55px 4%;
    }

    .loan-slider-top{
        flex-direction:column;
        align-items:flex-start;
    }

    .loan-slider-top h2{
        font-size:28px;
    }

    .loan-slide-card{
        min-width:230px;
        max-width:230px;
        padding:18px;
    }

    .loan-arrow{
        display:none;
    }

}