:root{
  --navy-bg: #0c4a6e;
  --navy-surface: #075985;
  --navy-card: #0369a1;
  --navy-card-hover: #0284c7;
  --navy-dark: #082f49;
  --navy-border: rgba(212, 175, 55, 0.22);
  --navy-border-subtle: rgba(255, 255, 255, 0.08);
  --blue-primary: #1b54bb;
  --blue-gradient: linear-gradient(135deg, #1b54bb, #0a2561);
  --white: #ffffff;
  --white-muted: #cbd5e1;
  --white-dim: #94a3b8;
  --yellow: #facc15;
  --yellow-hover: #fde047;
  --yellow-glow: rgba(250, 204, 21, 0.35);
  --yellow-subtle: rgba(250, 204, 21, 0.12);
  --gold: #d4af37;
  --gold-light: #ffd700;
  --gold-badge: rgba(212, 175, 55, 0.15);
  --gold-border: rgba(212, 175, 55, 0.45);
  --gold-glow: rgba(212, 175, 55, 0.25);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 24px;
  --shadow: 0 10px 30px rgba(0, 0, 0, 0.35);
  --shadow-lg: 0 20px 48px rgba(0, 0, 0, 0.55), 0 0 20px rgba(212, 175, 55, 0.12);
  --shadow-card: 0 10px 28px rgba(0, 0, 0, 0.38), inset 0 1px 0 rgba(255, 255, 255, 0.06);
  --shadow-hover: 0 18px 44px rgba(0, 0, 0, 0.58), 0 0 24px rgba(250, 204, 21, 0.2);
  --transition-smooth: all .3s cubic-bezier(0.4, 0, 0.2, 1);
  font-size: 16px;
}
html{
  scroll-behavior:smooth;
  background-color:var(--navy-dark);
  color:var(--white);
  -webkit-text-size-adjust:100%;
  overscroll-behavior-y:none;
}
section[id], footer[id]{scroll-margin-top:80px;}
*{box-sizing:border-box;margin:0;padding:0;}
body{
  font-family:'Poppins',sans-serif;
  color:var(--white);
  background-color:var(--navy-bg);
  background-image:radial-gradient(ellipse 90% 50% at 50% 0%, rgba(27,84,187,0.18), transparent 75%);
  background-repeat:no-repeat;
  line-height:1.6;
  width:100%;
  min-height:100vh;
  position:relative;
  overflow-x:hidden;
  overscroll-behavior-y:none;
  -webkit-overflow-scrolling:touch;
}
img{max-width:100%;display:block;}
a{text-decoration:none;color:inherit;transition:var(--transition-smooth);}
ul{list-style:none;}
.container{max-width:1180px;margin:0 auto;padding:0 20px;width:100%;box-sizing:border-box;}
section, header, footer, main, .hero, .detail-hero, .site-header, .site-footer{
  width:100%;
  max-width:100%;
  box-sizing:border-box;
}

/* Enhanced Buttons with Micro-interactions */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:12px 28px;
  border-radius:50px;
  font-weight:600;
  font-size:.92rem;
  letter-spacing:.2px;
  cursor:pointer;
  border:none;
  transition:var(--transition-smooth);
  text-align:center;
  text-decoration:none;
  position:relative;
  overflow:hidden;
}
.btn:active{transform:scale(0.98);}

/* Ripple click effect */
.ripple-effect{
  position:absolute;
  border-radius:50%;
  width:8px;height:8px;
  transform:translate(-50%,-50%) scale(0);
  background:rgba(255,255,255,.55);
  pointer-events:none;
  animation:rippleGrow .65s ease-out forwards;
}
.btn-navy .ripple-effect, .btn-blue .ripple-effect{ background:rgba(250,204,21,.45); }
@keyframes rippleGrow{
  to{ width:340px;height:340px;transform:translate(-50%,-50%) scale(1); opacity:0; }
}

/* Shine sweep on gold buttons */
.btn-gold::after, .btn-outline-gold::after{
  content:"";
  position:absolute;
  top:0; left:-120%;
  width:60%; height:100%;
  background:linear-gradient(120deg, transparent, rgba(255,255,255,.45), transparent);
  transform:skewX(-20deg);
  transition:left .65s ease;
  pointer-events:none;
}
.btn-gold:hover::after, .btn-outline-gold:hover::after{ left:130%; }

/* Cursor-tracked spotlight glow for cards */
.glow-card{ position:relative; isolation:isolate; }
.glow-card::before{
  content:"";
  position:absolute;
  inset:0;
  border-radius:inherit;
  background:radial-gradient(320px circle at var(--mx,50%) var(--my,50%), rgba(250,204,21,.14), transparent 70%);
  opacity:0;
  transition:opacity .35s ease;
  pointer-events:none;
  z-index:0;
}
.glow-card:hover::before{ opacity:1; }
.glow-card > *{ position:relative; z-index:1; }

/* Whole-page entrance fade */
.hero-inner > *{ opacity:0; transform:translateY(18px); }
.page-loaded .hero-inner > *{
  opacity:1; transform:translateY(0);
  transition:opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1);
}
.page-loaded .hero-inner > *:nth-child(1){ transition-delay:.05s; }
.page-loaded .hero-inner > *:nth-child(2){ transition-delay:.2s; }

/* Ambient floating gradient orbs in hero */
.hero-orb{
  position:absolute;
  border-radius:50%;
  filter:blur(60px);
  pointer-events:none;
  z-index:0;
}
.hero-orb-1{
  width:340px;height:340px;
  background:radial-gradient(circle, rgba(250,204,21,.22), transparent 70%);
  top:-100px; left:-80px;
  animation:orbFloat1 14s ease-in-out infinite;
}
.hero-orb-2{
  width:260px;height:260px;
  background:radial-gradient(circle, rgba(212,175,55,.18), transparent 70%);
  bottom:-90px; right:8%;
  animation:orbFloat2 18s ease-in-out infinite;
}
@keyframes orbFloat1{
  0%,100%{ transform:translate(0,0) scale(1); }
  50%{ transform:translate(40px,30px) scale(1.15); }
}
@keyframes orbFloat2{
  0%,100%{ transform:translate(0,0) scale(1); }
  50%{ transform:translate(-30px,-25px) scale(1.1); }
}
@media (prefers-reduced-motion: reduce){
  .hero-orb{ animation:none !important; }
}

/* Idle float on hero card for a living, premium feel */
.hero-card{ animation:cardIdleFloat 6s ease-in-out infinite; }
@keyframes cardIdleFloat{
  0%,100%{ transform:translateY(0); }
  50%{ transform:translateY(-8px); }
}
@media (prefers-reduced-motion: reduce){
  .hero-card{ animation:none; }
}

/* Animated shimmer sweep across section tag pills */
.section-title span.tag{ position:relative; overflow:hidden; }
.section-title span.tag::after{
  content:"";
  position:absolute;
  top:0; left:-60%;
  width:40%; height:100%;
  background:linear-gradient(120deg, transparent, rgba(255,255,255,.55), transparent);
  transform:skewX(-20deg);
  animation:tagShimmer 3.2s ease-in-out infinite;
}
@keyframes tagShimmer{
  0%{ left:-60%; }
  55%,100%{ left:130%; }
}
@media (prefers-reduced-motion: reduce){
  .section-title span.tag::after{ animation:none; display:none; }
}

.btn-gold{
  background:linear-gradient(135deg,var(--yellow) 0%,var(--gold) 100%);
  color:var(--navy-dark);
  font-weight:700;
  box-shadow:0 4px 18px rgba(250,204,21,.36);
  border:1px solid rgba(255,255,255,0.25);
}
.btn-gold:hover{
  background:linear-gradient(135deg,var(--yellow-hover) 0%,var(--gold-light) 100%);
  box-shadow:0 8px 28px rgba(250,204,21,.55);
  color:#000;
  transform:translateY(-2px);
}
.btn-navy,.btn-blue{
  background:linear-gradient(135deg,#1b54bb,#0c3175);
  color:#fff;
  border:1.5px solid rgba(212,175,55,.45);
  box-shadow:0 4px 16px rgba(0,0,0,.35);
}
.btn-navy:hover,.btn-blue:hover{
  background:linear-gradient(135deg,#2363d6,#113b8a);
  border-color:var(--yellow);
  box-shadow:0 8px 24px rgba(250,204,21,.28);
  color:#fff;
  transform:translateY(-2px);
}
.btn-outline{
  background:rgba(255,255,255,0.03);
  border:2px solid rgba(255,255,255,0.85);
  color:var(--white);
  font-weight:600;
  backdrop-filter:blur(4px);
}
.btn-outline:hover{
  background:var(--white);
  color:var(--navy-dark);
  border-color:var(--white);
  box-shadow:0 6px 22px rgba(255,255,255,.28);
  transform:translateY(-2px);
}
.btn-outline-gold{
  background:rgba(212,175,55,0.06);
  border:2px solid var(--gold);
  color:var(--yellow);
  font-weight:600;
}
.btn-outline-gold:hover{
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  border-color:var(--yellow);
  color:var(--navy-dark);
  box-shadow:0 6px 20px var(--yellow-glow);
  transform:translateY(-2px);
}
.btn-block{width:100%;}
.btn-sm{padding:9px 22px;font-size:.85rem;border-radius:50px;}

/* Header & Dynamic Scroll Behavior */
.site-header{
  position:sticky;
  top:0;
  z-index:200;
  background:transparent;
  padding:18px 20px 0;
  transition:padding .4s cubic-bezier(0.4, 0, 0.2, 1);
}
.site-header.scrolled{
  padding-top:10px;
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:10px 14px 10px 22px;
  max-width:1180px;
  margin:0 auto;
  border-radius:60px;
  background:rgba(6,21,51,.68);
  backdrop-filter:blur(18px);
  -webkit-backdrop-filter:blur(18px);
  border:1px solid rgba(212,175,55,.25);
  box-shadow:0 10px 34px rgba(0,0,0,.35);
  transition:all .4s cubic-bezier(0.4, 0, 0.2, 1);
}
.site-header.scrolled .header-inner{
  padding-top:7px;
  padding-bottom:7px;
  background:rgba(3,12,30,.92);
  border-color:var(--gold);
  box-shadow:0 16px 40px rgba(0,0,0,.55),0 0 26px rgba(212,175,55,.2);
}

/* Logo */
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;transition:opacity .3s ease;}
.logo-img{height:44px;width:auto;max-width:52px;object-fit:contain;transition:all .4s cubic-bezier(0.34,1.56,0.64,1);}
.site-header.scrolled .logo-img{height:36px;}
.logo:hover .logo-img{transform:scale(1.06) rotate(-3deg);}
.logo-text-group{display:flex;flex-direction:column;line-height:1.15;}
.logo-title{font-size:1.28rem;font-weight:800;letter-spacing:.5px;color:var(--white);display:flex;align-items:center;gap:5px;}
.logo-title .logo-accent{color:var(--yellow);text-shadow:0 0 10px rgba(250,204,21,.4);}
.logo-tagline{font-size:.6rem;font-weight:700;letter-spacing:1px;color:var(--gold);text-transform:uppercase;margin-top:2px;}
.logo-icon{background:linear-gradient(135deg,var(--yellow),var(--gold));color:var(--navy-dark);width:34px;height:34px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-weight:800;}

/* Navigation Items */
.main-nav{display:flex;align-items:center;gap:4px;}
.main-nav a.nav-link{
  position:relative;
  font-weight:600;
  color:var(--white-muted);
  padding:9px 16px;
  border-radius:50px;
  border-bottom:none;
  transition:color .3s ease, background .3s ease, transform .25s ease;
  font-size:.87rem;
  white-space:nowrap;
}
.main-nav a.nav-link:hover{color:var(--white);background:rgba(255,255,255,.08);transform:translateY(-1px);}
.main-nav a.nav-link.active{color:var(--navy-dark);background:linear-gradient(135deg,var(--yellow),var(--gold));font-weight:700;box-shadow:0 6px 16px rgba(250,204,21,.35);}
.nav-cta{border-bottom:none !important;padding:10px 22px !important;color:var(--navy-dark) !important;font-size:.86rem !important;white-space:nowrap;margin-left:6px;}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px;}
.nav-toggle span{width:24px;height:3px;background:var(--gold);border-radius:3px;transition:all .3s ease;}
.nav-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px, 5px);}
.nav-toggle.active span:nth-child(2){opacity:0;}
.nav-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(6px, -6px);}

/* Hero Badge */
.hero-badge{display:inline-flex;align-items:center;gap:10px;background:rgba(212,175,55,.12);border:1px solid var(--gold);padding:6px 18px;border-radius:50px;margin-bottom:18px;font-size:.82rem;color:var(--yellow);font-weight:700;backdrop-filter:blur(6px);box-shadow:0 2px 12px rgba(250,204,21,.15);}
.hero-badge-icon{width:22px;height:22px;object-fit:contain;}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy-dark),var(--navy-bg) 55%,var(--navy-surface));color:#fff;padding:84px 0;position:relative;overflow:hidden;}
.hero::after{content:"";position:absolute;right:-80px;top:-80px;width:500px;height:500px;background:radial-gradient(circle,rgba(250,204,21,.16),transparent 70%);pointer-events:none;}
.hero-inner{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center;position:relative;z-index:2;}
.hero h1{font-size:2.75rem;font-weight:800;line-height:1.22;margin-bottom:18px;color:var(--white);}
.hero h1 span{color:var(--yellow);text-shadow:0 2px 14px var(--yellow-glow);}
.hero p{color:var(--white-muted);font-size:1.05rem;margin-bottom:28px;max-width:540px;line-height:1.65;}
.hero-btns{display:flex;gap:16px;flex-wrap:wrap;}
.hero-stats{display:flex;gap:32px;margin-top:40px;flex-wrap:wrap;}
.hero-stats div strong{display:block;font-size:1.7rem;font-weight:800;color:var(--yellow);text-shadow:0 0 10px rgba(250,204,21,.3);}
.hero-stats div{font-size:.88rem;color:var(--white-dim);}

/* Hero Card (Quick Eligibility Check) - Crisp High-Contrast Card */
.hero-card{
  background:#ffffff;
  border-radius:var(--radius);
  padding:30px;
  color:var(--navy-dark);
  box-shadow:0 20px 48px rgba(0,0,0,.45), 0 0 20px rgba(212,175,55,.2);
  border:2px solid var(--gold);
}
.hero-card h3{
  color:var(--navy-dark);
  margin-bottom:8px;
  font-size:1.35rem;
  font-weight:700;
}
.hero-card p{
  color:#475569;
  font-size:.9rem;
  margin-bottom:18px;
}
.hero-card label{
  color:var(--navy-dark);
  font-weight:600;
}
.hero-card select{
  background:#ffffff;
  border:1.5px solid #cbd5e1;
  color:var(--navy-dark);
  border-radius:8px;
  padding:10px 12px;
  width:100%;
  font-size:.92rem;
  transition:var(--transition-smooth);
}
.hero-card select:focus{
  border-color:var(--gold);
  outline:none;
  box-shadow:0 0 0 3px rgba(212,175,55,.25);
}

/* Sections */
.section{padding:84px 0;position:relative;}
.section-title{text-align:center;margin-bottom:52px;position:relative;}
.section-title span.tag{
  display:inline-block;
  background:rgba(212,175,55,.12);
  color:var(--yellow);
  border:1.5px solid var(--gold);
  padding:6px 20px;
  border-radius:50px;
  font-size:.82rem;
  font-weight:700;
  letter-spacing:1px;
  text-transform:uppercase;
  box-shadow:0 2px 14px rgba(250,204,21,.15);
}
.section-title h2{font-size:2.35rem;color:var(--white);margin-top:16px;font-weight:800;letter-spacing:-.5px;}
.section-title p{color:var(--white-muted);margin-top:12px;max-width:620px;margin-left:auto;margin-right:auto;font-size:1.05rem;line-height:1.65;}

/* Refined Light Section - Reduces Solid Navy Dominance & Balances Palette */
.bg-light{
  background:#f8fafc;
  border-top:1px solid #e2e8f0;
  border-bottom:1px solid #e2e8f0;
}
.bg-light .section-title h2{
  color:var(--navy-dark);
}
.bg-light .section-title p{
  color:#475569;
}
.bg-light .section-title span.tag{
  background:rgba(212,175,55,.14);
  color:#854d0e;
  border-color:var(--gold);
  box-shadow:0 2px 10px rgba(212,175,55,.15);
}
.bg-light .feature{
  background:#ffffff;
  border:1.5px solid #e2e8f0;
  box-shadow:0 8px 24px rgba(6,21,51,.06);
}
.bg-light .feature:hover{
  border-color:var(--gold);
  box-shadow:0 16px 36px rgba(6,21,51,.12), 0 0 16px rgba(212,175,55,.2);
  transform:translateY(-6px);
}
.bg-light .feature h4{
  color:var(--navy-dark);
}
.bg-light .feature p{
  color:#475569;
}

/* Intentionally Balanced 5-Loan Layout */
.loans-grid-5{
  display:flex;
  flex-wrap:wrap;
  justify-content:center;
  gap:28px;
  width:100%;
}
.loans-grid-5 .loan-card{
  flex:0 1 calc(33.333% - 20px);
  width:calc(33.333% - 20px);
  min-width:300px;
  max-width:370px;
  display:flex;
  flex-direction:column;
}
@media (max-width:1060px) and (min-width:681px){
  .loans-grid-5 .loan-card{
    flex:0 1 calc(50% - 16px);
    width:calc(50% - 16px);
    max-width:440px;
  }
}
@media (max-width:680px){
  .loans-grid-5 .loan-card{
    flex:0 1 100%;
    width:100%;
    max-width:100%;
  }
}

/* Loan Cards Grid */
.grid{display:grid;gap:28px;}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-2{grid-template-columns:repeat(2,1fr);}
.loan-card{
  background:rgba(255,255,255,.04);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  border-radius:var(--radius-lg);
  padding:28px 26px 28px;
  box-shadow:var(--shadow-card);
  border:1.5px solid rgba(255,255,255,.08);
  transition:transform .5s cubic-bezier(0.16,1,0.3,1), box-shadow .5s cubic-bezier(0.16,1,0.3,1), border-color .4s ease, background .4s ease;
  display:flex;
  flex-direction:column;
  position:relative;
  overflow:hidden;
  will-change:transform;
}
.loan-card:hover{
  transform:translateY(-10px) scale(1.015);
  box-shadow:0 26px 54px rgba(0,0,0,.55), 0 0 0 1px rgba(250,204,21,.25), 0 0 32px rgba(250,204,21,.18);
  border-color:rgba(250,204,21,.5);
  background:rgba(255,255,255,.06);
}
.loan-card:has(.loan-card-thumb){padding-top:0;}
.loan-card:has(.loan-card-thumb) .loan-card-top{margin-top:-32px;}
.loan-card-thumb{
  width:calc(100% + 52px);
  margin:0 -26px 0;
  height:180px;
  overflow:hidden;
  position:relative;
  background:rgba(3,12,30,0.5);
}
.loan-card-thumb::after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(180deg, rgba(3,12,30,0) 40%, var(--navy-surface) 100%);
  opacity:.9;
  transition:opacity .4s ease;
}
.loan-card-thumb img{
  width:100%;
  height:100%;
  object-fit:cover;
  transition:transform .7s cubic-bezier(0.16,1,0.3,1), filter .5s ease;
  filter:saturate(1) brightness(1);
}
.loan-card:hover .loan-card-thumb img{
  transform:scale(1.09) rotate(.3deg);
  filter:saturate(1.15) brightness(1.05);
}
.loan-card-top{
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
  gap:14px;
  margin:0 0 18px;
  position:relative;
  z-index:2;
}
.loan-icon{
  width:64px;
  height:64px;
  background:linear-gradient(145deg, var(--navy-card), var(--navy-surface));
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  color:var(--yellow);
  border:3px solid var(--navy-bg);
  outline:1.5px solid rgba(212,175,55,.4);
  transition:transform .5s cubic-bezier(0.34,1.56,0.64,1), background .4s ease, color .4s ease, box-shadow .4s ease;
  flex-shrink:0;
  box-shadow:0 6px 18px rgba(0,0,0,.4);
}
.loan-card:hover .loan-icon{
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  color:var(--navy-dark);
  box-shadow:0 10px 26px rgba(250,204,21,.5);
  transform:scale(1.1) rotate(-6deg);
}
.loan-icon svg{display:block;}

/* Rate Badge */
.rate-badge{
  background:rgba(3,12,30,.88);
  border:1.5px solid var(--yellow);
  border-radius:50px;
  padding:8px 16px;
  text-align:right;
  box-shadow:0 4px 14px rgba(0,0,0,.4);
  margin-top:6px;
  transition:transform .4s cubic-bezier(0.34,1.56,0.64,1), box-shadow .4s ease;
}
.loan-card:hover .rate-badge{
  transform:translateY(-3px);
  box-shadow:0 8px 20px rgba(250,204,21,.25);
}
.rate-badge-lbl{display:block;font-size:.66rem;font-weight:700;color:var(--gold-light);text-transform:uppercase;letter-spacing:.6px;}
.rate-badge-val{display:block;font-size:1.15rem;font-weight:800;color:var(--yellow);line-height:1.15;text-shadow:0 0 10px rgba(250,204,21,.35);}
.rate-badge-val small{font-size:.72rem;font-weight:600;color:var(--white-muted);}

.loan-card h3{color:var(--white);margin-bottom:10px;font-size:1.35rem;font-weight:800;letter-spacing:-.2px;transition:color .3s ease, transform .3s ease;}
.loan-card:hover h3{color:var(--yellow);transform:translateX(2px);}
.loan-card p{color:var(--white-muted);font-size:.92rem;line-height:1.6;margin-bottom:20px;flex-grow:1;}
.loan-meta{
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:12px 16px;
  background:rgba(3,12,30,.5);
  border-radius:14px;
  font-size:.86rem;
  color:var(--white-muted);
  margin-bottom:20px;
  border:1px solid rgba(212,175,55,.15);
  transition:border-color .4s ease, background .4s ease;
}
.loan-card:hover .loan-meta{
  border-color:rgba(212,175,55,.35);
  background:rgba(3,12,30,.65);
}
.loan-meta strong{color:var(--white);font-weight:700;}
.loan-meta .meta-rate strong{color:var(--yellow);font-weight:800;}
.loan-card-actions{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:auto;}

/* Features */
.feature{
  display:flex;
  gap:18px;
  align-items:flex-start;
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  padding:26px;
  border-radius:var(--radius);
  border:1.5px solid rgba(212,175,55,.2);
  box-shadow:var(--shadow-card);
  transition:all .32s ease;
}
.feature:hover{
  transform:translateY(-6px);
  box-shadow:0 16px 36px rgba(0,0,0,.55), 0 0 20px rgba(212,175,55,.2);
  border-color:var(--gold);
}
.feature-icon{
  width:54px;
  height:54px;
  flex:0 0 54px;
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  color:var(--navy-dark);
  border-radius:14px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:800;
  font-size:1.35rem;
  box-shadow:0 4px 16px rgba(250,204,21,.4);
  transition:transform .3s ease;
}
.feature:hover .feature-icon{transform:scale(1.1);}
.feature h4{color:var(--white);margin-bottom:8px;font-size:1.12rem;font-weight:700;}
.feature p{color:var(--white-muted);font-size:.92rem;line-height:1.6;}

/* How It Works — step cards */
.steps-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:24px;
}
@media (max-width:900px){ .steps-grid{grid-template-columns:1fr 1fr;} }
@media (max-width:560px){ .steps-grid{grid-template-columns:1fr;} }
.step-card{
  position:relative;
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  padding:30px 24px 26px;
  border-radius:var(--radius);
  border:1.5px solid rgba(212,175,55,.2);
  box-shadow:var(--shadow-card);
  transition:all .32s ease;
  text-align:left;
}
.step-card:hover{
  transform:translateY(-6px);
  box-shadow:0 16px 36px rgba(0,0,0,.55), 0 0 20px rgba(212,175,55,.2);
  border-color:var(--gold);
}
.step-number{
  width:44px;
  height:44px;
  border-radius:50%;
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  color:var(--navy-dark);
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:800;
  font-size:1.15rem;
  margin-bottom:16px;
  box-shadow:0 4px 16px rgba(250,204,21,.4);
}
.step-card h4{color:var(--white);margin-bottom:8px;font-size:1.08rem;font-weight:700;}
.step-card p{color:var(--white-muted);font-size:.9rem;line-height:1.6;}
.step-arrow{
  display:none;
  position:absolute;
  top:34px;
  right:-30px;
  color:var(--gold);
  font-size:1.4rem;
  opacity:.6;
}
@media (min-width:901px){ .step-arrow{display:block;} }
.step-card:last-child .step-arrow{display:none;}

/* Testimonials */
.testimonials-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}
@media (max-width:900px){ .testimonials-grid{grid-template-columns:1fr;} }
.testimonial-card{
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  padding:28px;
  border-radius:var(--radius);
  border:1.5px solid rgba(212,175,55,.2);
  box-shadow:var(--shadow-card);
  display:flex;
  flex-direction:column;
  transition:all .32s ease;
}
.testimonial-card:hover{
  transform:translateY(-6px);
  box-shadow:0 16px 36px rgba(0,0,0,.55), 0 0 20px rgba(212,175,55,.2);
  border-color:var(--gold);
}
.testimonial-stars{color:var(--yellow);font-size:.95rem;margin-bottom:14px;letter-spacing:2px;}
.testimonial-quote{color:var(--white-muted);font-size:.94rem;line-height:1.7;margin-bottom:20px;flex-grow:1;font-style:italic;}
.testimonial-author{display:flex;align-items:center;gap:12px;}
.testimonial-avatar{
  width:42px;height:42px;border-radius:50%;
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  color:var(--navy-dark);
  display:flex;align-items:center;justify-content:center;
  font-weight:800;font-size:1rem;flex-shrink:0;
}
.testimonial-name{color:var(--white);font-weight:700;font-size:.92rem;}
.testimonial-role{color:var(--white-dim);font-size:.8rem;}

/* FAQ Accordion */
.faq-list{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:14px;}
.faq-item{
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  border:1.5px solid rgba(212,175,55,.2);
  border-radius:var(--radius-sm);
  overflow:hidden;
  transition:border-color .25s ease;
}
.faq-item.open{border-color:var(--gold);}
.faq-question{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:18px 22px;
  cursor:pointer;
  color:var(--white);
  font-weight:600;
  font-size:.98rem;
  user-select:none;
}
.faq-question .faq-icon{
  flex-shrink:0;
  width:26px;height:26px;
  border-radius:50%;
  background:rgba(212,175,55,.15);
  color:var(--gold-light);
  display:flex;align-items:center;justify-content:center;
  font-size:1.05rem;
  font-weight:700;
  transition:transform .25s ease;
}
.faq-item.open .faq-question .faq-icon{transform:rotate(45deg);}
.faq-answer{
  max-height:0;
  overflow:hidden;
  transition:max-height .3s ease;
}
.faq-answer-inner{padding:0 22px 20px;color:var(--white-muted);font-size:.92rem;line-height:1.7;}

/* EMI Calculator */
.emi-wrap{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:44px;
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);
  padding:42px;
  border:1.5px solid var(--navy-border);
  border-top:4px solid var(--gold);
}
.field{margin-bottom:28px;}
.field label{display:flex;justify-content:space-between;align-items:center;font-weight:600;color:var(--white);margin-bottom:10px;font-size:.95rem;}
.field label .val{color:var(--yellow);font-weight:800;font-size:1.05rem;}
input[type=range]{
  width:100%;
  accent-color:var(--yellow);
  height:7px;
  border-radius:5px;
  background:rgba(255,255,255,.15);
  cursor:pointer;
  touch-action:pan-x;
}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{
  width:100%;
  padding:13px 16px;
  border:1.5px solid rgba(212,175,55,.45);
  border-radius:10px;
  font-family:inherit;
  font-size:.96rem;
  background:#ffffff;
  color:var(--navy-dark);
  font-weight:500;
  transition:var(--transition-smooth);
}
input:focus,select:focus,textarea:focus{
  outline:none;
  border-color:var(--yellow);
  box-shadow:0 0 0 3.5px rgba(250,204,21,.3), 0 4px 14px rgba(0,0,0,.3);
  transform:translateY(-1px);
}
.emi-result{
  background:var(--navy-dark);
  color:#fff;
  border-radius:var(--radius);
  padding:36px;
  text-align:center;
  border:2px solid var(--gold);
  box-shadow:0 12px 34px rgba(0,0,0,.6);
  position:relative;
}
.emi-result .amount{
  font-size:2.65rem;
  font-weight:800;
  color:var(--yellow);
  margin:10px 0 16px;
  text-shadow:0 0 20px rgba(250,204,21,.45);
}
.emi-breakup{
  display:flex;
  justify-content:space-between;
  margin-top:24px;
  padding-top:20px;
  border-top:1px solid rgba(212,175,55,.25);
}
.emi-breakup div{text-align:left;color:var(--white-muted);}
.emi-breakup strong{display:block;font-size:1.2rem;color:var(--white);margin-top:4px;}
.donut-wrap{display:flex;justify-content:center;margin:22px 0;}

/* Forms */
.form-card{
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);
  padding:48px;
  max-width:760px;
  margin:0 auto;
  border:1.5px solid var(--navy-border);
  border-top:4px solid var(--gold);
}
.form-card h1, .form-card h2{color:var(--white);margin-bottom:10px;}
.form-card p{color:var(--white-muted);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:22px;}
.form-group{margin-bottom:22px;}
.form-group label{display:block;font-weight:600;margin-bottom:8px;font-size:.92rem;color:var(--white);}
.required{color:var(--yellow);}

/* Contact Section & Cards */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:30px;}
.contact-card{
  background:linear-gradient(145deg, var(--navy-card) 0%, var(--navy-surface) 100%);
  border-radius:16px;
  padding:24px 20px;
  border:1.5px solid rgba(212,175,55,.25);
  box-shadow:var(--shadow);
  transition:transform .4s cubic-bezier(0.16,1,0.3,1), box-shadow .4s cubic-bezier(0.16,1,0.3,1), border-color .3s ease, background .3s ease;
  display:flex;
  flex-direction:column;
  align-items:center;
  text-align:center;
  position:relative;
}
.contact-card:hover{
  transform:translateY(-6px);
  box-shadow:0 16px 36px rgba(0,0,0,.55),0 0 20px rgba(212,175,55,.2);
  border-color:rgba(250,204,21,.55);
}
.contact-card-featured{
  border-color:var(--gold);
  background:linear-gradient(145deg, #0e2c69 0%, var(--navy-card) 100%);
  box-shadow:0 10px 28px rgba(0,0,0,.4),0 0 18px rgba(212,175,55,.2);
}
.contact-featured-badge{
  position:absolute;
  top:-11px;
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  color:var(--navy-dark);
  font-size:.68rem;
  font-weight:800;
  padding:4px 14px;
  border-radius:50px;
  letter-spacing:.6px;
  text-transform:uppercase;
  box-shadow:0 4px 12px rgba(250,204,21,.4);
}
.contact-card-icon{
  width:50px;
  height:50px;
  border-radius:14px;
  background:rgba(212,175,55,.12);
  border:1.5px solid var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  color:var(--yellow);
  margin-bottom:14px;
  transition:transform .4s cubic-bezier(0.34,1.56,0.64,1), background .3s ease, color .3s ease, box-shadow .3s ease;
  box-shadow:0 4px 12px rgba(0,0,0,.3);
}
.contact-card:hover .contact-card-icon{
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  color:var(--navy-dark);
  box-shadow:0 8px 20px rgba(250,204,21,.4);
  transform:scale(1.08) rotate(-4deg);
}
.contact-card-icon.wa-bg{background:rgba(250,204,21,.16);border-color:var(--yellow);}
.contact-card h3{font-size:1.08rem;font-weight:700;color:var(--white);margin-bottom:6px;transition:color .2s;}
.contact-card:hover h3{color:var(--yellow);}
.contact-card p{font-size:.85rem;color:var(--white-muted);line-height:1.5;margin-bottom:16px;flex-grow:1;}
.contact-info-block{
  background:rgba(3,12,30,.5);
  border:1.5px solid rgba(212,175,55,.25);
  border-radius:12px;
  padding:10px 16px;
  width:100%;
  margin-bottom:16px;
}
.contact-highlight-link{font-size:1rem;font-weight:800;color:var(--yellow);display:block;margin-bottom:2px;transition:all .2s ease;}
.contact-highlight-link:hover{color:var(--yellow-hover);text-decoration:underline;}
.contact-timing{display:block;font-size:.76rem;color:var(--white-dim);font-weight:500;}
.contact-action-btn{margin-top:auto;}

/* Contact Banner CTA */
.contact-banner-cta{
  margin-top:54px;
  background:linear-gradient(135deg,var(--navy-card),var(--navy-surface));
  border:1.5px solid var(--gold);
  border-radius:var(--radius);
  padding:36px 40px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:28px;
  box-shadow:var(--shadow-lg);
}
.contact-banner-text h3{font-size:1.55rem;color:var(--white);margin-bottom:8px;font-weight:800;}
.contact-banner-text p{color:var(--white-muted);font-size:1rem;}

/* Assistance Bars */
.loans-contact-bar{
  margin-top:48px;
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  border:1.5px solid var(--navy-border);
  border-top:4px solid var(--gold);
  border-radius:var(--radius);
  padding:34px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:26px;
  box-shadow:var(--shadow);
}
.loans-contact-text h3{font-size:1.35rem;color:var(--white);margin-bottom:8px;font-weight:800;}
.loans-contact-text p{color:var(--white-muted);font-size:.92rem;max-width:620px;}
.loans-contact-actions{display:flex;gap:16px;flex-shrink:0;flex-wrap:wrap;}

.apply-direct-contact{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:14px;
  background:rgba(212,175,55,.12);
  border:1.5px solid rgba(212,175,55,.35);
  border-radius:50px;
  padding:12px 26px;
  max-width:680px;
  margin:0 auto 32px;
  font-size:.92rem;
  color:var(--white-muted);
  flex-wrap:wrap;
  box-shadow:0 4px 16px rgba(0,0,0,.25);
}
.apply-direct-contact span.dot-sep{color:var(--gold);}
.direct-contact-btn{font-weight:700;color:var(--yellow);display:inline-flex;align-items:center;gap:6px;transition:all .2s ease;}
.direct-contact-btn:hover{color:var(--white);text-decoration:underline;}

/* Loan Detail */
.detail-hero{
  background:linear-gradient(135deg,var(--navy-dark),var(--navy-bg) 60%,var(--navy-surface));
  padding:64px 0;
  color:var(--white);
  border-bottom:1px solid rgba(212,175,55,.2);
}
.detail-hero h1{color:var(--white) !important;}
.detail-hero p{color:var(--white-muted) !important;}
.badge{
  display:inline-block;
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  color:var(--navy-dark);
  font-weight:700;
  padding:6px 20px;
  border-radius:50px;
  font-size:.84rem;
  margin-bottom:14px;
  box-shadow:0 3px 12px rgba(250,204,21,.35);
}
.stat-box{
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  border-radius:14px;
  padding:26px;
  text-align:center;
  box-shadow:var(--shadow);
  border:1.5px solid var(--navy-border);
  transition:transform .3s ease;
}
.stat-box:hover{transform:translateY(-4px);}
.stat-box strong{display:block;color:var(--yellow);font-size:1.65rem;font-weight:800;}
.stat-box span{color:var(--white-muted);font-size:.88rem;margin-top:6px;font-weight:500;}

/* Footer */
.site-footer{
  position:relative;
  background:linear-gradient(180deg, var(--navy-bg) 0%, var(--navy-dark) 100%);
  color:var(--white-muted);
  padding:56px 0 0;
  overflow:hidden;
}
.site-footer::before{
  content:"";
  position:absolute;
  top:0;left:0;right:0;
  height:1px;
  background:linear-gradient(90deg, transparent, var(--gold), transparent);
}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.1fr;gap:32px;padding-bottom:36px;}
@media(max-width:1000px) and (min-width:901px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px 24px;}
}
.footer-logo-wrap{display:flex;align-items:center;gap:14px;margin-bottom:14px;}
.footer-logo-img{width:48px;height:48px;border-radius:12px;object-fit:cover;box-shadow:0 4px 14px rgba(0,0,0,.5);border:2px solid var(--gold);}
.footer-logo-text{display:flex;flex-direction:column;}
.footer-logo-title{color:var(--white);font-size:1.22rem;font-weight:800;letter-spacing:.5px;margin:0;}
.footer-logo-title span{color:var(--yellow);}
.footer-logo-tagline{font-size:.64rem;font-weight:700;color:var(--gold);letter-spacing:1px;text-transform:uppercase;margin-top:3px;}
.footer-desc{color:var(--white-muted);font-size:.88rem;line-height:1.65;max-width:340px;}
.footer-social{display:flex;gap:10px;margin-top:16px;}
.footer-social-link{
  width:36px;height:36px;
  display:flex;align-items:center;justify-content:center;
  border-radius:50%;
  background:rgba(212,175,55,.1);
  border:1px solid rgba(212,175,55,.3);
  color:var(--gold-light);
  transition:transform .3s cubic-bezier(0.34,1.56,0.64,1), background .3s ease, border-color .3s ease, color .3s ease;
}
.footer-social-link:hover{
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  border-color:var(--yellow);
  color:var(--navy-dark);
  transform:translateY(-3px) scale(1.06);
  box-shadow:0 8px 18px rgba(250,204,21,.35);
}
.footer-links h4{color:var(--white);margin-bottom:14px;font-weight:700;font-size:.98rem;letter-spacing:.2px;}
.footer-links li{margin-bottom:9px;font-size:.88rem;}
.footer-links a{color:var(--white-muted);display:inline-block;transition:color .25s ease, transform .25s ease;}
.footer-links a:hover{color:var(--yellow);transform:translateX(4px);}

/* Footer Contact List */
.footer-contact-list{display:flex;flex-direction:row;flex-wrap:wrap;gap:14px 18px;}
.footer-contact-link{display:inline-flex;align-items:center;gap:8px;color:var(--white-muted);font-size:.86rem;transition:color .25s ease, transform .25s ease;}
.footer-contact-link:hover{color:var(--yellow);transform:translateY(-2px);}
.footer-contact-link .f-icon{
  font-size:.95rem;
  width:30px;height:30px;
  display:flex;align-items:center;justify-content:center;
  background:rgba(212,175,55,.1);
  border:1px solid rgba(212,175,55,.3);
  border-radius:9px;
  flex-shrink:0;
  transition:background .25s ease, border-color .25s ease;
}
.footer-contact-link:hover .f-icon{background:rgba(250,204,21,.18);border-color:var(--yellow);}
.footer-wa-link{color:var(--yellow);font-weight:600;}
.footer-wa-link:hover{color:var(--yellow-hover);text-shadow:0 0 10px rgba(250,204,21,.4);}

.footer-bottom{border-top:1px solid rgba(255,255,255,.07);padding:18px 0;text-align:center;font-size:.82rem;color:var(--white-dim);}
.footer-bottom a{color:var(--yellow);font-weight:600;}
.footer-bottom a:hover{color:var(--yellow-hover);text-decoration:underline;}

/* WhatsApp Float Button with Pulse Radar & Tooltip (Navy, Yellow & Gold Theme) */
.whatsapp-float{
  position:fixed;
  bottom:28px;
  right:28px;
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  color:var(--navy-dark);
  width:62px;
  height:62px;
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  box-shadow:0 8px 25px rgba(0,0,0,.45),0 0 16px var(--yellow-glow);
  z-index:300;
  transition:all .28s cubic-bezier(0.4, 0, 0.2, 1);
  text-decoration:none;
}
.whatsapp-float svg{fill:var(--navy-dark);}
.whatsapp-float::before{
  content:"";
  position:absolute;
  width:100%;
  height:100%;
  border-radius:50%;
  border:2px solid var(--gold);
  opacity:0.8;
  animation:waRadarPulse 2.4s infinite cubic-bezier(0.25, 0, 0.2, 1);
}
@keyframes waRadarPulse{
  0%{transform:scale(1);opacity:0.8;}
  100%{transform:scale(1.55);opacity:0;}
}
.whatsapp-float:hover{
  transform:scale(1.08);
  box-shadow:0 14px 34px rgba(0,0,0,.6),0 0 28px var(--yellow-glow);
}
.whatsapp-pulse{display:none;}
.whatsapp-label{
  position:absolute;
  right:74px;
  background:rgba(3,12,30,.96);
  color:var(--yellow);
  font-size:.82rem;
  font-weight:700;
  padding:7px 16px;
  border-radius:30px;
  white-space:nowrap;
  border:1px solid var(--gold);
  box-shadow:0 4px 18px rgba(0,0,0,.45);
  pointer-events:none;
  opacity:0;
  transition:opacity .25s ease, transform .25s ease;
  transform:translateX(6px);
}
.whatsapp-float:hover .whatsapp-label{opacity:1;transform:translateX(0);}

/* Alerts - Strictly Navy, Gold, Yellow, White */
.alert{padding:16px 20px;border-radius:10px;margin-bottom:24px;font-size:.94rem;line-height:1.55;}
.alert-success{background:rgba(212,175,55,.16);color:var(--yellow);border:1.5px solid var(--gold);box-shadow:0 4px 14px rgba(0,0,0,.25);}
.alert-error{background:rgba(3,12,30,.92);color:var(--yellow);border:1.5px solid var(--gold);box-shadow:0 4px 16px rgba(0,0,0,.35);}

/* Thank You Card */
.thankyou{
  text-align:center;
  padding:60px 32px;
  max-width:680px;
  margin:0 auto;
  background:linear-gradient(145deg, var(--navy-surface), var(--navy-card));
  border-radius:var(--radius-lg);
  border:2px solid var(--gold);
  box-shadow:var(--shadow-lg);
}
.thankyou-logo{
  width:88px;
  height:88px;
  border-radius:20px;
  object-fit:cover;
  margin:0 auto 20px;
  display:block;
  box-shadow:0 8px 26px rgba(0,0,0,.5);
  border:2px solid var(--gold);
}
.thankyou .check{
  width:82px;
  height:82px;
  background:linear-gradient(135deg,var(--yellow),var(--gold));
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 auto 24px;
  font-size:2.4rem;
  color:var(--navy-dark);
  font-weight:800;
  box-shadow:0 8px 24px rgba(250,204,21,.45);
}

/* Scroll-triggered reveal animations */
.reveal-on-scroll{
  opacity:0;
  transform:translateY(24px);
  transition:opacity .65s cubic-bezier(0.2, 0.8, 0.2, 1), transform .65s cubic-bezier(0.2, 0.8, 0.2, 1);
  will-change:opacity, transform;
}
.reveal-on-scroll.is-revealed{
  opacity:1;
  transform:translateY(0);
}
.reveal-delay-1{transition-delay:.1s;}
.reveal-delay-2{transition-delay:.2s;}
.reveal-delay-3{transition-delay:.3s;}
.reveal-delay-4{transition-delay:.4s;}

@media(prefers-reduced-motion: reduce){
  .reveal-on-scroll{
    opacity:1 !important;
    transform:none !important;
    transition:none !important;
  }
  .whatsapp-float::before{animation:none !important;}
  body{animation:none !important;}
}

/* Admin Login Page Styling */
.admin-login-section{min-height:calc(100vh - 220px);display:flex;align-items:center;padding:60px 0;}
.admin-login-wrapper{max-width:460px;margin:0 auto;width:100%;}
.admin-login-card{background:linear-gradient(145deg,var(--navy-surface),var(--navy-card));border-radius:var(--radius);padding:40px 34px;box-shadow:var(--shadow-lg);border:1.5px solid var(--navy-border);border-top:4px solid var(--gold);}
.admin-login-header{text-align:center;margin-bottom:28px;}
.admin-badge-icon{width:60px;height:60px;border-radius:16px;background:rgba(212,175,55,.12);border:1.5px solid var(--gold);color:var(--yellow);display:flex;align-items:center;justify-content:center;margin:0 auto 16px;box-shadow:0 6px 18px rgba(0,0,0,.3);}
.admin-login-header h2{font-size:1.6rem;color:var(--white);font-weight:800;margin:12px 0 6px;}
.admin-login-header p{color:var(--white-muted);font-size:.88rem;line-height:1.55;}
.admin-login-form .form-group{margin-bottom:22px;}
.admin-login-form label{display:block;font-size:.92rem;font-weight:600;color:var(--white);margin-bottom:8px;}

/* Password Input Toggle */
.password-input-wrap{position:relative;display:flex;align-items:center;}
.password-input-wrap input{padding-right:48px;}
.pwd-toggle-btn{position:absolute;right:10px;background:none;border:none;color:var(--navy-surface);cursor:pointer;padding:8px;display:flex;align-items:center;justify-content:center;transition:color .2s;border-radius:6px;}
.pwd-toggle-btn:hover{color:var(--yellow);background:rgba(212,175,55,.1);}
.pwd-toggle-btn.active{color:var(--yellow);}

.admin-submit-btn{padding:14px;font-size:1rem;margin-top:8px;}
.admin-login-footer{margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.1);text-align:center;}
.back-home-link{color:var(--yellow);font-size:.88rem;font-weight:600;display:inline-flex;align-items:center;gap:6px;transition:all .2s;}
.back-home-link:hover{color:var(--white);text-decoration:underline;}

@media(max-width:1160px) and (min-width:901px){
  .main-nav{gap:9px;}
  .main-nav a.nav-link{font-size:.82rem;padding:7px 11px;}
  .nav-cta{padding:7px 13px !important;font-size:.8rem !important;}
  .logo-title{font-size:1.15rem;}
  .logo-tagline{font-size:.56rem;}
  .logo-img{height:40px;}
}

/* Responsive Media Queries */
@media(max-width:900px){
  .hero-inner,.emi-wrap,.footer-grid,.grid-3,.grid-2,.contact-grid{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .contact-banner-cta,.loans-contact-bar{flex-direction:column;text-align:center;align-items:stretch;}
  .loans-contact-actions{justify-content:center;}
  .main-nav{position:fixed;top:84px;left:16px;right:16px;background:rgba(4,14,36,.98);backdrop-filter:blur(20px);flex-direction:column;padding:16px;gap:6px;box-shadow:0 16px 36px rgba(0,0,0,.6);transform:translateY(-150%);transition:all .35s ease;border:1px solid rgba(212,175,55,.3);border-radius:24px;max-height:calc(100vh - 100px);overflow-y:auto;}
  .main-nav.open{transform:translateY(0);}
  .main-nav a.nav-link{width:100%;padding:12px 16px;border-radius:14px;}
  .main-nav a.nav-link.active{padding-left:16px;}
  .nav-cta{margin-left:0;width:100%;}
  .nav-toggle{display:flex;}
}

@media(max-width:600px){
  .logo{gap:8px;}
  .logo-img{height:38px;}
  .logo-title{font-size:1.1rem;}
  .logo-tagline{font-size:.55rem;letter-spacing:.5px;}
  .section{padding:54px 0;}
  .hero{padding:54px 0;}
  .hero h1{font-size:2.1rem;}
  .whatsapp-label{display:none;}
  .apply-direct-contact{border-radius:14px;flex-direction:column;gap:6px;}
  .apply-direct-contact span.dot-sep{display:none;}
}