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

:root {
  --primary: #0a2e5c;
  --primary-dark: #061a36;
  --accent: #c9a227;
  --accent-light: #f0c93a;
  --text: #1a1a2e;
  --text-light: #555;
  --bg: #f8f9fc;
  --white: #ffffff;
  --border: #e2e8f0;
  --success: #10b981;
  --shadow: 0 4px 24px rgba(10,46,92,0.10);
  --shadow-lg: 0 8px 40px rgba(10,46,92,0.16);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--text);background:var(--bg);overflow-x:hidden}
a{text-decoration:none;color:inherit;transition:var(--transition)}
img{max-width:100%;height:auto}
ul{list-style:none}

/* ── Scrollbar ── */
::-webkit-scrollbar{width:6px}
::-webkit-scrollbar-track{background:#f1f1f1}
::-webkit-scrollbar-thumb{background:var(--primary);border-radius:3px}

/* ── TOP BAR ── */
.top-bar{background:var(--primary-dark);color:#cdd9ec;font-size:0.8rem;padding:6px 0}
.top-bar a{color:#c9a227;margin-left:8px}
.top-bar .social-icons a{color:#cdd9ec;margin:0 4px;font-size:1rem;transition:var(--transition)}
.top-bar .social-icons a:hover{color:var(--accent)}

/* ── NAVBAR ── */
.navbar{background:var(--white);box-shadow:0 2px 20px rgba(10,46,92,0.12);padding:0;position:sticky;top:0;z-index:1000}
.navbar-brand img{height:50px}
.navbar-brand .brand-text{font-family:'Poppins',sans-serif;font-weight:700;font-size:1.1rem;color:var(--primary);line-height:1.2}
.navbar-brand .brand-sub{font-size:0.65rem;color:var(--accent);font-weight:500;letter-spacing:1px;text-transform:uppercase}
.navbar .nav-link{font-weight:500;color:var(--text) !important;padding:1.2rem 1rem !important;position:relative;font-size:0.92rem}
.navbar .nav-link::after{content:'';position:absolute;bottom:0;left:50%;width:0;height:3px;background:var(--accent);transform:translateX(-50%);transition:var(--transition)}
.navbar .nav-link:hover::after,.navbar .nav-link.active::after{width:80%}
.navbar .nav-link:hover,.navbar .nav-link.active{color:var(--primary) !important}
.navbar .navbar-nav .nav-link.btn-apply{background:linear-gradient(135deg,var(--accent),var(--accent-light));color:var(--primary-dark) !important;font-weight:700 !important;border-radius:30px !important;padding:0.5rem 1.5rem !important;box-shadow:0 4px 15px rgba(201,162,39,0.35); margin-left: 0.5rem;}
.navbar .navbar-nav .nav-link.btn-apply:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(201,162,39,0.5)}

/* ── MARQUEE BANK ── */
.bank-marquee-wrapper{background:var(--primary);padding:10px 0;overflow:hidden}
.bank-marquee{display:flex;align-items:center;white-space:nowrap;animation:marqueeScroll 35s linear infinite}
.bank-marquee:hover{animation-play-state:paused}
.bank-marquee .bank-item{display:inline-flex;align-items:center;gap:8px;margin:0 24px;color:#fff;font-size:0.82rem;font-weight:500;opacity:.85}
.bank-marquee .bank-item i{font-size:1.2rem;color:var(--accent)}
@keyframes marqueeScroll{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* ── HERO ── */
.hero-section{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 50%,#1a4a8a 100%);min-height:80vh;display:flex;align-items:center;position:relative;overflow:hidden}
.hero-section::before{content:'';position:absolute;inset:0;background:url('../images/hero/hero_banner.png') center/cover no-repeat;opacity:0.18}
.hero-particles{position:absolute;inset:0;overflow:hidden;pointer-events:none}
.hero-particles span{position:absolute;width:4px;height:4px;background:var(--accent);border-radius:50%;animation:float 6s ease-in-out infinite}
.hero-content{position:relative;z-index:2}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(201,162,39,0.2);border:1px solid var(--accent);color:var(--accent);padding:6px 18px;border-radius:30px;font-size:0.82rem;font-weight:600;margin-bottom:1rem;animation:fadeInDown 0.6s ease}
.hero-title{font-family:'Poppins',sans-serif;font-size:clamp(1.8rem,4vw,3.2rem);font-weight:800;color:#fff;line-height:1.2;margin-bottom:1rem;animation:fadeInUp 0.7s ease}
.hero-title span{color:var(--accent)}
.hero-subtitle{color:#bcd;font-size:1rem;margin-bottom:2rem;animation:fadeInUp 0.8s ease}
.hero-form-card{background:rgba(255,255,255,0.1);backdrop-filter:blur(15px);border:1px solid rgba(255,255,255,0.2);border-radius:var(--radius-lg);padding:2rem;animation:fadeInRight 0.9s ease}
.hero-form-card h4{color:#fff;font-family:'Poppins',sans-serif;font-weight:700;margin-bottom:1.2rem;text-align:center}
.hero-form-card .form-control,.hero-form-card .form-select{background:rgba(255,255,255,0.15);border:1px solid rgba(255,255,255,0.3);color:#fff;border-radius:8px}
.hero-form-card .form-control::placeholder{color:rgba(255,255,255,0.6)}
.hero-form-card .form-control:focus,.hero-form-card .form-select:focus{background:rgba(255,255,255,0.2);border-color:var(--accent);box-shadow:0 0 0 3px rgba(201,162,39,0.2);color:#fff}
.hero-form-card .form-select option{color:#000}
.hero-stats{display:flex;gap:1.5rem;margin-top:1.5rem;flex-wrap:wrap}
.hero-stat{text-align:center}
.hero-stat .num{font-family:'Poppins',sans-serif;font-size:1.6rem;font-weight:800;color:var(--accent)}
.hero-stat .lbl{font-size:0.7rem;color:#bcd;text-transform:uppercase;letter-spacing:1px}

/* ── SECTION BASE ── */
.section-pad{padding:80px 0}
.section-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(10,46,92,0.08);color:var(--primary);padding:5px 16px;border-radius:20px;font-size:0.8rem;font-weight:600;letter-spacing:1px;text-transform:uppercase;margin-bottom:1rem}
.section-title{font-family:'Poppins',sans-serif;font-weight:800;font-size:clamp(1.5rem,3vw,2.2rem);color:var(--primary);line-height:1.3}
.section-title span{color:var(--accent)}
.section-divider{width:60px;height:4px;background:linear-gradient(90deg,var(--accent),var(--accent-light));border-radius:2px;margin:1rem 0 1.5rem}

/* ── WHY CHOOSE US ── */
.why-section{background:#fff}
.why-card{text-align:center;padding:2rem 1.5rem;border-radius:var(--radius);border:2px solid var(--border);transition:var(--transition);position:relative;overflow:hidden}
.why-card::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,var(--primary),var(--primary-dark));opacity:0;transition:var(--transition)}
.why-card:hover{border-color:var(--primary);transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.why-card:hover::before{opacity:1}
.why-card:hover .why-icon,.why-card:hover h5,.why-card:hover p{color:#fff;position:relative;z-index:1}
.why-icon{font-size:2.5rem;color:var(--accent);margin-bottom:1rem;transition:var(--transition)}
.why-card h5{font-weight:700;color:var(--primary);margin-bottom:.5rem;transition:var(--transition)}
.why-card p{font-size:.85rem;color:var(--text-light);transition:var(--transition)}

/* ── LOAN SERVICES ── */
.loan-card{background:#fff;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);transition:var(--transition);height:100%;border:1px solid var(--border)}
.loan-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg)}
.loan-card-img{height:220px;overflow:hidden;position:relative;background:linear-gradient(135deg,var(--primary) 0%,#1a4a8a 100%)}
.loan-card-img img{width:100%;height:100%;object-fit:cover;transition:transform 0.4s ease}
.loan-card:hover .loan-card-img img{transform:scale(1.05)}

.loan-card-body{padding:1.5rem}
.loan-card-body h5{font-family:'Poppins',sans-serif;font-weight:700;color:var(--primary);margin-bottom:.5rem}
.loan-rate{display:inline-flex;align-items:center;gap:4px;background:rgba(16,185,129,0.1);color:var(--success);padding:3px 10px;border-radius:20px;font-size:0.78rem;font-weight:600;margin-bottom:.5rem}
.loan-amounts{display:flex;justify-content:space-between;font-size:.8rem;color:var(--text-light);margin:0.5rem 0}
.btn-view{border:2px solid var(--primary);color:var(--primary);border-radius:30px;padding:6px 20px;font-weight:600;font-size:.85rem;transition:var(--transition)}
.btn-view:hover{background:var(--primary);color:#fff}

/* ── LOAN SLIDER ── */
.loan-slider-container {
  display: flex;
  gap: 1.5rem;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  padding: 1rem 0 1rem;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.loan-slider-container::-webkit-scrollbar {
  display: none;
}
.loan-slider-item {
  scroll-snap-align: start;
  flex: 0 0 calc(90%);
  max-width: calc(90%);
}
@media (min-width: 768px) {
  .loan-slider-item {
    flex: 0 0 calc(50% - 0.75rem);
    max-width: calc(50% - 0.75rem);
  }
}
@media (min-width: 992px) {
  .loan-slider-item {
    flex: 0 0 calc(33.333% - 1rem);
    max-width: calc(33.333% - 1rem);
  }
}
/* Slider Nav */
.slider-btn {
  background: var(--primary);
  color: #fff;
  border: none;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
}
.slider-btn:hover {
  background: var(--accent);
  color: var(--primary-dark);
  transform: scale(1.1);
}
.slider-dots {
  display: flex;
  gap: 8px;
}
.slider-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: none;
  background: rgba(10,46,92,0.2);
  cursor: pointer;
  transition: var(--transition);
  padding: 0;
}
.slider-dot.active {
  background: var(--accent);
  transform: scale(1.3);
}

/* ── TESTIMONIALS ── */
.testimonials-section{background:linear-gradient(135deg,var(--primary-dark),var(--primary))}
.testimonial-card{background:rgba(255,255,255,0.1);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,0.15);border-radius:var(--radius-lg);padding:2rem;height:100%}
.testimonial-card .quote-icon{font-size:3rem;color:var(--accent);opacity:.5;line-height:1}
.testimonial-card p{color:#dde;font-size:.95rem;line-height:1.7;margin:1rem 0}
.testimonial-card .author{color:#fff;font-weight:600}
.testimonial-card .author-sub{color:var(--accent);font-size:.82rem}
.stars{color:var(--accent);font-size:.9rem}

/* ── EMI CALCULATOR ── */
.emi-calculator{background:#fff;border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--shadow-lg);border-top:4px solid var(--accent)}
.emi-calculator h4{color:var(--primary);font-family:'Poppins',sans-serif;font-weight:700}
.emi-result{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;border-radius:var(--radius);padding:1.5rem;text-align:center;margin-top:1rem}
.emi-result .emi-amount{font-size:2rem;font-weight:800;color:var(--accent)}
.range-label{display:flex;justify-content:space-between;font-size:.78rem;color:var(--text-light)}
input[type=range]{width:100%;accent-color:var(--accent)}

/* ── MAP & INTERSTATE ── */
.map-section{background:var(--bg)}
.map-card{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow)}
.map-card iframe{display:block;border:none}
.interstate-card{background:#fff;border-radius:var(--radius);padding:1.5rem;border:2px solid var(--border);text-align:center;transition:var(--transition)}
.interstate-card:hover{border-color:var(--accent);transform:translateY(-4px)}
.interstate-card i{font-size:2rem;color:var(--accent);margin-bottom:.5rem}

/* ── ABOUT FOUNDER ── */
.founder-section{background:#fff}
.founder-img-wrap{position:relative}
.founder-img-wrap img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.founder-img-wrap::before{content:'';position:absolute;inset:-10px;border:3px solid var(--accent);border-radius:var(--radius-lg);z-index:-1}
.founder-quote{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;border-radius:var(--radius);padding:1.5rem 2rem;position:relative}
.founder-quote::before{content:'"';font-size:5rem;color:var(--accent);position:absolute;top:-20px;left:20px;line-height:1;font-family:Georgia,serif}
.exp-badge{display:inline-flex;flex-direction:column;align-items:center;background:var(--accent);color:var(--primary-dark);padding:1rem 1.5rem;border-radius:var(--radius);font-family:'Poppins',sans-serif;font-weight:800}
.exp-badge .num{font-size:2.5rem;line-height:1}
.exp-badge .txt{font-size:.65rem;text-transform:uppercase;letter-spacing:1px}

/* ── APPLY SECTION ── */
.apply-section{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%)}
.apply-form-card{background:#fff;border-radius:var(--radius-lg);padding:2.5rem;box-shadow:var(--shadow-lg)}
.otp-step{display:none}
.otp-step.active{display:block;animation:fadeInUp 0.4s ease}

/* ── CONTACT ── */
.contact-info-card{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;border-radius:var(--radius-lg);padding:2.5rem;height:100%}
.contact-info-card .info-item{display:flex;gap:1rem;align-items:flex-start;margin-bottom:1.5rem}
.contact-info-card .info-icon{width:46px;height:46px;background:rgba(201,162,39,0.2);border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:1.2rem;color:var(--accent)}

/* ── FOOTER ── */
.footer{background:var(--primary-dark);color:#aab8cc}
.footer-top{padding:60px 0 40px}
.footer-brand{margin-bottom:1.5rem}
.footer-brand img{height:50px;margin-bottom:1rem}
.footer-brand p{font-size:.88rem;line-height:1.7;color:#8a9bb0}
.footer h5{color:#fff;font-family:'Poppins',sans-serif;font-weight:600;margin-bottom:1.2rem;font-size:1rem;position:relative;padding-bottom:.7rem}
.footer h5::after{content:'';position:absolute;bottom:0;left:0;width:35px;height:2px;background:var(--accent)}
.footer ul li{margin-bottom:.6rem}
.footer ul li a{color:#8a9bb0;font-size:.88rem;transition:var(--transition)}
.footer ul li a:hover{color:var(--accent);padding-left:6px}
.footer .social-links a{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,0.15);color:#8a9bb0;margin-right:8px;transition:var(--transition);font-size:1rem}
.footer .social-links a:hover{background:var(--accent);border-color:var(--accent);color:var(--primary-dark);transform:translateY(-3px)}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding:20px 0;font-size:.82rem}
.footer-contact-item{display:flex;align-items:center;gap:10px;margin-bottom:.8rem;font-size:.88rem}
.footer-contact-item i{color:var(--accent);font-size:1rem;width:20px}

/* ── FLOATING BUTTONS ── */
.floating-btns{position:fixed;bottom:30px;right:24px;z-index:9999;display:flex;flex-direction:column;gap:12px}
.float-btn{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.4rem;box-shadow:0 4px 20px rgba(0,0,0,0.25);transition:var(--transition);border:none;cursor:pointer;text-decoration:none}
.float-btn:hover{transform:scale(1.15);box-shadow:0 6px 28px rgba(0,0,0,0.35)}
.float-wa{background:#25D366;color:#fff}
.float-call{background:var(--accent);color:var(--primary-dark)}
.float-btn .tooltip-text{position:absolute;right:64px;background:var(--primary-dark);color:#fff;padding:5px 12px;border-radius:6px;font-size:.78rem;white-space:nowrap;opacity:0;pointer-events:none;transition:var(--transition)}
.float-btn:hover .tooltip-text{opacity:1}
.float-btn{position:relative}

/* ── VISITOR COUNTER ── */
.visitor-badge{position:fixed;bottom:250px;left:20px;z-index:999;background:var(--primary);color:#fff;border-radius:30px;padding:6px 14px;font-size:.75rem;display:flex;align-items:center;gap:6px;box-shadow:var(--shadow)}
.visitor-badge .dot{width:8px;height:8px;background:#4ade80;border-radius:50%;animation:pulse 2s infinite}

/* ── PAGE HERO ── */
.page-hero{background:linear-gradient(135deg,var(--primary-dark),var(--primary));padding:40px 0;text-align:center}
.page-hero h1{font-family:'Poppins',sans-serif;color:#fff;font-weight:800;font-size:clamp(1.8rem,4vw,2.8rem)}
.page-hero .breadcrumb{justify-content:center;background:none;padding:0}
.page-hero .breadcrumb-item,.page-hero .breadcrumb-item a{color:#8a9bb0}
.page-hero .breadcrumb-item.active{color:var(--accent)}

/* ── FORM STYLES ── */
.form-control,.form-select{border-radius:8px;border:1.5px solid var(--border);padding:0.65rem 1rem;font-size:.92rem;transition:var(--transition)}
.form-control:focus,.form-select:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(10,46,92,0.12)}
.btn-primary-custom{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;border:none;border-radius:30px;padding:.7rem 2rem;font-weight:600;transition:var(--transition)}
.btn-primary-custom:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(10,46,92,0.3)}
.btn-accent{background:linear-gradient(135deg,var(--accent),var(--accent-light));color:var(--primary-dark);border:none;border-radius:30px;padding:.7rem 2rem;font-weight:700;transition:var(--transition)}
.btn-accent:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(201,162,39,0.4)}

/* ── ANIMATIONS ── */
@keyframes fadeInUp{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeInDown{from{opacity:0;transform:translateY(-20px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeInRight{from{opacity:0;transform:translateX(30px)}to{opacity:1;transform:translateX(0)}}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-20px)}}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.3)}}
.animate-up{opacity:0;transform:translateY(30px);transition:opacity 0.6s ease,transform 0.6s ease}
.animate-up.visible{opacity:1;transform:none}

/* ── RESPONSIVE ── */
@media(max-width:991px){
  .hero-section{min-height:auto;padding:60px 0}
  .hero-form-card{margin-top:2rem}
  .hero-stats{justify-content:center}
  .section-pad{padding:55px 0}
  .mobile-horizontal-nav{display:flex;flex-direction:row !important;flex-wrap:wrap;justify-content:flex-end;gap:10px;padding:15px 0;}
  .mobile-horizontal-nav .nav-item{width:auto;}
  .mobile-horizontal-nav .nav-link{background:rgba(10,46,92,0.05);border-radius:20px;padding:6px 16px !important;font-size:0.85rem;border:1px solid rgba(10,46,92,0.1);}
  .mobile-horizontal-nav .nav-link::after{display:none;}
  .mobile-horizontal-nav .dropdown-menu{position:absolute;z-index:1000;}
}
@media(max-width:767px){
  .top-bar{text-align:center;font-size:.72rem}
  .top-bar .d-flex{flex-wrap:wrap;justify-content:center;gap:4px}
  .navbar .nav-link{padding:.8rem 1rem !important}
  .why-card{margin-bottom:1rem}
  .floating-btns{bottom:20px;right:14px}
  .visitor-badge{display:none}
  .footer-top{padding:40px 0 20px}
  .hero-title{font-size:1.7rem}
  .loan-card-body .btn-view, .loan-card-body .btn-accent {padding: 0.45rem 0.8rem !important; font-size: 0.8rem;}
}
@media(max-width:480px){
  .hero-title{font-size:1.5rem}
  .btn-apply{font-size:.82rem;padding:.45rem 1.1rem !important}
}