/* ============================================
   BHARAT FINANCE - GOLDEN BLUE THEME CSS
   Responsive | Modern | Production Ready
   ============================================ */

/* ===== CSS VARIABLES (Golden Blue Theme) ===== */
:root {
    /* Primary Colors - Deep Blue */
    --primary: #0d1b4c;
    --primary-light: #1e3a8a;
    --primary-dark: #0a1530;
    --primary-hover: #1e40af;

    /* Secondary Colors - Royal Blue */
    --secondary: #2563eb;
    --secondary-light: #3b82f6;
    --secondary-dark: #1d4ed8;

    /* Accent Colors - Golden */
    --accent: #2563eb;
    --accent-light: #3b82f6;
    --accent-dark: #1d4ed8;
    --accent-glow: rgba(37, 99, 235, 0.3);

    /* Neutral Colors */
    --white: #ffffff;
    --gray-50: #f8fafc;
    --gray-100: #f1f5f9;
    --gray-200: #e2e8f0;
    --gray-300: #cbd5e1;
    --gray-400: #94a3b8;
    --gray-500: #64748b;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1e293b;
    --gray-900: #0f172a;

    /* Status Colors */
    --success: #10b981;
    --success-light: #d1fae5;
    --danger: #ef4444;
    --danger-light: #fee2e2;
    --warning: #f59e0b;
    --info: #3b82f6;

    /* Gradients */
    --gradient-primary: linear-gradient(135deg, #0d1b4c 0%, #1e3a8a 50%, #2563eb 100%);
    --gradient-accent: linear-gradient(135deg, #1d4ed8 0%, #2563eb 50%, #3b82f6 100%);
    --gradient-hero: #ffffff;
    --gradient-gold: linear-gradient(135deg, #1d4ed8 0%, #2563eb 50%, #3b82f6 100%);
    --gradient-card: linear-gradient(145deg, #ffffff 0%, #f8fafc 100%);
    --gradient-overlay: linear-gradient(180deg, rgba(10,22,40,0.9) 0%, rgba(10,22,40,0.7) 100%);

    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
    --shadow-md: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
    --shadow-lg: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
    --shadow-xl: 0 25px 50px -12px rgba(0,0,0,0.25);
    --shadow-gold: 0 4px 20px rgba(37,99,235,0.25);
    --shadow-blue: 0 4px 20px rgba(37,99,235,0.25);

    /* Border Radius */
    --radius-sm: 6px;
    --radius: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;

    /* Transitions */
    --transition-fast: 0.15s ease;
    --transition: 0.3s ease;
    --transition-slow: 0.5s ease;

    /* Spacing */
    --container-max: 1280px;
    --container-padding: 1.5rem;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    max-width: 100%;
}

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
    overflow-x: hidden;
    width: 100%;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--gray-700);
    background: var(--white);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    position: relative;
    width: 100%;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

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

button {
    cursor: pointer;
    border: none;
    background: none;
    font-family: inherit;
    font-size: inherit;
}

input, textarea, select {
    font-family: inherit;
    font-size: inherit;
    outline: none;
}

ul, ol {
    list-style: none;
}

/* ===== UTILITY CLASSES ===== */
.container {
    width: 100%;
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-padding);
}

.section-container {
    width: 100%;
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-padding);
}

.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.hidden { display: none !important; }
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* ===== NAVIGATION ===== */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    background: var(--white);
    transition: all 0.4s ease;
    padding: 0.875rem 0;
    box-shadow: 0 1px 3px rgba(0,0,0,0.05);
}

.navbar.scrolled {
    background: var(--white);
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    padding: 0.75rem 0;
}

.nav-container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 var(--container-padding);
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--primary);
    font-weight: 700;
    font-size: 1.25rem;
    letter-spacing: -0.02em;
}

.nav-logo .logo-icon {
    width: 40px;
    height: 40px;
    background: var(--gradient-accent);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.1rem;
    box-shadow: var(--shadow-gold);
}

.nav-logo-img {
    max-height: 40px;
    max-width: 150px;
    object-fit: contain;
    filter: none;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.nav-link {
    color: var(--gray-700);
    font-weight: 500;
    font-size: 0.9rem;
    padding: 0.5rem 1rem;
    border-radius: var(--radius-sm);
    transition: var(--transition);
    position: relative;
}
/* Login Modal specific */
#loginModal {
    z-index: 3000;
}

#loginModal .modal-container {
    max-width: 420px;
}

/* OTP Inputs */
.otp-input {
    transition: all 0.2s ease;
}

.otp-input:focus {
    border-color: var(--secondary) !important;
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.2);
    transform: scale(1.05);
}

/* Resend button */
#resendOtpBtn {
    font-size: 0.85rem;
    padding: 0.25rem 0.5rem;
    border-radius: var(--radius-sm);
    transition: var(--transition);
}

#resendOtpBtn:hover {
    background: rgba(37, 99, 235, 0.1);
}

/* Login redirect message */
#loginRedirectMsg {
    animation: slideDown 0.3s ease;
}

@keyframes slideDown {
    from { opacity: 0; transform: translateY(-10px); }
    to { opacity: 1; transform: translateY(0); }
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    width: 0;
    height: 2px;
    background: var(--accent);
    transition: var(--transition);
    transform: translateX(-50%);
    border-radius: 2px;
}

.nav-link:hover,
.nav-link.active {
    color: var(--primary);
}

.nav-link:hover::after,
.nav-link.active::after {
    width: 60%;
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.btn-apply-nav {
    background: var(--gradient-accent);
    color: var(--white);
    font-weight: 600;
    font-size: 0.875rem;
    padding: 0.625rem 1.25rem;
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    gap: 0.5rem;
    transition: var(--transition);
    box-shadow: var(--shadow-gold);
    border: 2px solid transparent;
}

.btn-apply-nav:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 25px rgba(37,99,235,0.4);
    border-color: var(--secondary-light);
}

.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 0.5rem;
    cursor: pointer;
}

.mobile-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--primary);
    border-radius: 2px;
    transition: var(--transition);
}

.mobile-only { display: none; }

.mobile-menu-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.5);
    z-index: 998;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

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

/* ===== BUTTONS ===== */
.btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: var(--gradient-accent);
    color: var(--white);
    font-weight: 600;
    font-size: 0.95rem;
    padding: 0.875rem 2rem;
    border-radius: 50px;
    border: 2px solid transparent;
    transition: var(--transition);
    box-shadow: 0 4px 16px rgba(37,99,235,0.3);
    cursor: pointer;
    white-space: nowrap;
    width: 100%;
    max-width: 320px;
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 30px rgba(37,99,235,0.4);
    border-color: var(--secondary-light);
}

.btn-primary:active {
    transform: translateY(-1px);
}

.btn-primary i {
    font-size: 0.9rem;
    transition: var(--transition);
}

.btn-primary:hover i {
    transform: translateX(3px);
}

.btn-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: transparent;
    color: var(--primary);
    font-weight: 600;
    font-size: 0.95rem;
    padding: 0.875rem 2rem;
    border-radius: 50px;
    border: 2px solid var(--primary);
    transition: var(--transition);
    cursor: pointer;
    white-space: nowrap;
    width: 100%;
    max-width: 320px;
}

.btn-secondary:hover {
    background: var(--primary);
    border-color: var(--primary);
    color: var(--white);
    transform: translateY(-3px);
}

.btn-outline {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: transparent;
    color: var(--primary);
    font-weight: 600;
    font-size: 0.95rem;
    padding: 0.875rem 1.75rem;
    border-radius: var(--radius-full);
    border: 2px solid var(--primary);
    transition: var(--transition);
    cursor: pointer;
    white-space: nowrap;
}

.btn-outline:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-3px);
}

.btn-loan {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: var(--gradient-primary);
    color: var(--white);
    font-weight: 600;
    font-size: 0.9rem;
    padding: 0.75rem 1.5rem;
    border-radius: var(--radius-full);
    border: none;
    transition: var(--transition);
    cursor: pointer;
    width: 100%;
    margin-top: auto;
}

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

.btn-loan i {
    transition: var(--transition);
}

.btn-loan:hover i {
    transform: translateX(4px);
}

.full-width { width: 100%; }

/* ===== SECTION HEADERS ===== */
.section-header {
    text-align: center;
    margin-bottom: 2.5rem;
}

.section-tag {
    display: inline-block;
    background: rgba(37, 99, 235, 0.1);
    color: var(--secondary);
    font-weight: 600;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    padding: 0.4rem 1rem;
    border-radius: var(--radius-full);
    margin-bottom: 1rem;
    border: 1px solid rgba(37, 99, 235, 0.2);
}

.section-title {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 0.75rem;
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.section-subtitle {
    font-size: 1.1rem;
    color: var(--gray-500);
    max-width: 600px;
    margin: 0 auto;
}

/* ===== HERO SECTION ===== */
.hero {
    position: relative;
    min-height: auto;
    background: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 6rem 0 3rem;
    overflow: hidden;
    text-align: center;
}

.hero::before {
    display: none;
}

.hero::after {
    display: none;
}

.hero .section-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-content {
    max-width: 480px;
    margin: 0 auto;
    text-align: center;
    padding: 0 1rem;
    width: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    background: rgba(37, 99, 235, 0.08);
    border: 1px solid rgba(37, 99, 235, 0.15);
    color: var(--secondary);
    font-size: 0.8rem;
    font-weight: 500;
    padding: 0.4rem 0.875rem;
    border-radius: 50px;
    margin-bottom: 1.25rem;
}

.hero-badge i {
    color: var(--accent);
}

.hero-title {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--primary);
    line-height: 1.2;
    margin-bottom: 1rem;
    letter-spacing: -0.02em;
}

.hero-title .highlight {
    background: var(--gradient-accent);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    position: relative;
}

.hero-subtitle {
    font-size: 1rem;
    color: var(--gray-500);
    margin-bottom: 1.5rem;
    line-height: 1.6;
    max-width: 400px;
    margin-left: auto;
    margin-right: auto;
}

.hero-stats {
    display: flex;
    flex-direction: row !important;
    gap: 0;
    margin-bottom: 2rem;
    justify-content: center;
    align-items: center;
    background: var(--white);
    border-radius: 20px;
    padding: 1.25rem 1rem;
    box-shadow: 0 4px 24px rgba(0,0,0,0.06);
    border: 1px solid var(--gray-100);
    width: 100%;
    max-width: 340px;
    margin-left: auto;
    margin-right: auto;
    box-sizing: border-box;
}

.stat-item {
    text-align: center;
    flex: 1 1 0;
    padding: 0.5rem 0.5rem;
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    min-width: 0;
    box-sizing: border-box;
    overflow: visible;
}

.stat-item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 1px;
    height: 30px;
    background: var(--gray-200);
}

.stat-number-wrap {
    display: inline-flex;
    align-items: baseline;
    justify-content: center;
    gap: 0.05rem;
    margin-bottom: 0.15rem;
    white-space: nowrap;
    width: 100%;
}

.stat-number {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--secondary);
    line-height: 1;
    white-space: nowrap;
}

.stat-symbol {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--secondary);
    white-space: nowrap;
}

.stat-label {
    font-size: 0.7rem;
    color: var(--gray-500);
    display: block;
    line-height: 1.3;
    white-space: nowrap;
    margin-top: 0.2rem;
}

.hero-buttons {
    display: flex;
    gap: 0.75rem;
    margin-bottom: 1.5rem;
    flex-wrap: nowrap;
    justify-content: center;
    flex-direction: column;
    align-items: center;
    width: 100%;
    max-width: 320px;
    margin-left: auto;
    margin-right: auto;
}

.hero-trust {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    flex-wrap: wrap;
    justify-content: center;
    margin-top: 1.5rem;
    width: 100%;
}

.trust-badges {
    display: flex;
    gap: 0.5rem;
    flex-wrap: wrap;
    justify-content: center;
    width: 100%;
}

.trust-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    font-size: 0.75rem;
    color: var(--gray-600);
    background: var(--white);
    padding: 0.4rem 0.75rem;
    border-radius: 50px;
    border: 1px solid var(--gray-200);
    font-weight: 500;
    white-space: nowrap;
}

.trust-badge i {
    color: var(--secondary);
    font-size: 0.8rem;
}

/* Hero Image Area */
.hero-image {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 500px;
}

.hero-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-lg);
    border-radius: var(--radius-xl);
    padding: 1.5rem;
    width: 280px;
    position: absolute;
    top: 10%;
    left: 10%;
    z-index: 3;
    animation: float 6s ease-in-out infinite;
    box-shadow: 0 25px 50px rgba(0,0,0,0.3);
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-15px); }
}

.card-header {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1rem;
}

.card-avatar {
    width: 44px;
    height: 44px;
    background: var(--gradient-accent);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.1rem;
}

.card-info h4 {
    color: var(--primary);
    font-size: 0.95rem;
    font-weight: 600;
}

.card-info span {
    color: var(--secondary);
    font-weight: 700;
    font-size: 0.9rem;
}

.card-status {
    margin-left: auto;
    color: var(--success);
    font-size: 1.25rem;
}

.card-progress {
    margin-top: 0.5rem;
}

.progress-bar {
    height: 6px;
    background: rgba(255,255,255,0.1);
    border-radius: 3px;
    overflow: hidden;
    margin-bottom: 0.5rem;
}

.progress-fill {
    height: 100%;
    background: var(--gradient-accent);
    border-radius: 3px;
    transition: width 1s ease;
}

.card-progress span {
    font-size: 0.75rem;
    color: var(--gray-500);
}

.floating-card {
    position: absolute;
    background: var(--white);
    backdrop-filter: blur(10px);
    border-radius: var(--radius);
    padding: 1rem 1.25rem;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    box-shadow: var(--shadow-lg);
    z-index: 2;
    animation: float 5s ease-in-out infinite;
}

.floating-card i {
    width: 40px;
    height: 40px;
    background: var(--gradient-accent);
    color: var(--white);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
}

.floating-card span {
    font-size: 0.75rem;
    color: var(--gray-500);
    display: block;
}

.floating-card strong {
    font-size: 0.9rem;
    color: var(--primary);
    font-weight: 700;
}

.card-1 {
    top: 5%;
    right: 5%;
    animation-delay: 0s;
}

.card-2 {
    bottom: 25%;
    left: 0;
    animation-delay: 1.5s;
}

.card-3 {
    bottom: 5%;
    right: 10%;
    animation-delay: 3s;
}

/* ===== LOAN CATEGORIES ===== */
.loan-categories {
    padding: 4rem 0;
    background: var(--white);
}

.loan-cards {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    max-width: 900px;
    margin: 0 auto;
}

.loan-card {
    background: var(--gradient-card);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    overflow: hidden;
    transition: var(--transition);
    position: relative;
}

.loan-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-accent);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: var(--secondary);
}

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

.loan-card-content {
    padding: 2.5rem;
    display: flex;
    flex-direction: column;
    height: 100%;
}

.loan-icon {
    width: 64px;
    height: 64px;
    background: var(--gradient-primary);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.5rem;
    margin-bottom: 1.5rem;
    box-shadow: var(--shadow-blue);
}

.loan-card h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.5rem;
}

.loan-desc {
    color: var(--gray-500);
    font-size: 0.95rem;
    margin-bottom: 1.5rem;
}

.loan-features {
    margin-bottom: 1.5rem;
    flex-grow: 1;
}

.loan-features li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.5rem 0;
    color: var(--gray-600);
    font-size: 0.9rem;
    border-bottom: 1px solid var(--gray-100);
}

.loan-features li:last-child {
    border-bottom: none;
}

.loan-features li i {
    color: var(--secondary);
    font-size: 0.85rem;
    width: 20px;
}

.loan-amount {
    background: var(--white);
    border-radius: var(--radius);
    padding: 1rem 1.25rem;
    margin-bottom: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.loan-amount span {
    font-size: 0.8rem;
    color: var(--gray-500);
}

.loan-amount strong {
    font-size: 1.25rem;
    color: var(--primary);
    font-weight: 700;
}

/* ===== EMI CALCULATOR ===== */
.emi-calculator {
    padding: 4rem 0;
    background: var(--white);
}

.emi-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: start;
}

.emi-left {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    box-shadow: var(--shadow);
    border: 1px solid var(--gray-200);
}

.emi-inputs {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.input-group {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.input-group label {
    font-weight: 600;
    color: var(--primary);
    font-size: 0.95rem;
}

.input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.input-prefix,
.input-suffix {
    position: absolute;
    font-weight: 600;
    color: var(--gray-500);
    pointer-events: none;
}

.input-prefix {
    left: 1rem;
}

.input-suffix {
    right: 1rem;
}

.input-wrapper input {
    width: 100%;
    padding: 0.875rem 1rem;
    padding-left: 2.5rem;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary);
    transition: var(--transition);
    background: var(--white);
}

.input-wrapper input:focus {
    border-color: var(--secondary);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

.input-wrapper input[type="number"] {
    -moz-appearance: textfield;
}

.input-wrapper input::-webkit-outer-spin-button,
.input-wrapper input::-webkit-inner-spin-button {
    -webkit-appearance: none;
    margin: 0;
}

.range-slider {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 6px;
    border-radius: 3px;
    background: var(--gray-200);
    outline: none;
    margin-top: 0.5rem;
}

.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gradient-accent);
    cursor: pointer;
    box-shadow: var(--shadow-blue);
    border: 3px solid var(--white);
    transition: var(--transition);
}

.range-slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
    box-shadow: 0 4px 15px rgba(37,99,235,0.5);
}

.range-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gradient-accent);
    cursor: pointer;
    box-shadow: var(--shadow-blue);
    border: 3px solid var(--white);
}

.range-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 0.5rem;
    font-size: 0.75rem;
    color: var(--gray-400);
}

.emi-right {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    box-shadow: var(--shadow);
    border: 1px solid var(--gray-200);
    position: sticky;
    top: 100px;
}

.emi-results h3 {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 1.5rem;
    text-align: center;
}

.result-chart {
    position: relative;
    width: 220px;
    height: 220px;
    margin: 0 auto 2rem;
}

.donut-chart {
    width: 100%;
    height: 100%;
    transform: rotate(-90deg);
}

.chart-center {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    text-align: center;
}

.chart-label {
    display: block;
    font-size: 0.8rem;
    color: var(--gray-500);
    margin-bottom: 0.25rem;
}

.chart-value {
    display: block;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
}

.result-details {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.result-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.75rem 1rem;
    background: var(--white);
    border-radius: var(--radius);
    border: 1px solid var(--gray-100);
}

.result-item.total {
    background: var(--primary);
    border-color: var(--primary);
}

.result-item.total .result-info span {
    color: rgba(255,255,255,0.7);
}

.result-item.total .result-info strong {
    color: var(--white);
}

.result-dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    flex-shrink: 0;
}

.result-info {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

.result-info span {
    font-size: 0.85rem;
    color: var(--gray-500);
}

.result-info strong {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--primary);
}

/* ===== WHY CHOOSE US ===== */
.why-choose {
    padding: 4rem 0;
    background: var(--white);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

.feature-card {
    background: var(--gradient-card);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 2rem;
    text-align: center;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-accent);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.feature-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--secondary);
}

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

.feature-icon {
    width: 64px;
    height: 64px;
    background: var(--gradient-primary);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.5rem;
    margin: 0 auto 1.25rem;
    box-shadow: var(--shadow-blue);
    transition: var(--transition);
}

.feature-card:hover .feature-icon {
    transform: scale(1.1) rotate(5deg);
    box-shadow: var(--shadow-blue);
    background: var(--gradient-accent);
    color: var(--white);
}

.feature-card h3 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.75rem;
}

.feature-card p {
    font-size: 0.9rem;
    color: var(--gray-500);
    line-height: 1.6;
}

/* ===== ELIGIBILITY ===== */
.eligibility {
    padding: 4rem 0;
    background: var(--white);
}

.eligibility-tabs,
.documents-tabs {
    display: flex;
    justify-content: center;
    gap: 0.5rem;
    margin-bottom: 2.5rem;
    flex-wrap: wrap;
}

.tab-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.75rem 1.5rem;
    border-radius: var(--radius-full);
    border: 2px solid var(--gray-200);
    background: var(--white);
    color: var(--gray-600);
    font-weight: 600;
    font-size: 0.9rem;
    cursor: pointer;
    transition: var(--transition);
}

.tab-btn i {
    color: var(--gray-400);
    transition: var(--transition);
}

.tab-btn:hover {
    border-color: var(--secondary);
    color: var(--secondary);
}

.tab-btn:hover i {
    color: var(--secondary);
}

.tab-btn.active {
    background: var(--gradient-primary);
    color: var(--white);
    border-color: var(--primary);
    box-shadow: var(--shadow-blue);
}

.tab-btn.active i {
    color: var(--secondary-light);
}

.tab-content {
    display: none;
    animation: fadeIn 0.4s ease;
}

.tab-content.active {
    display: block;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.eligibility-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 1.25rem;
}

.eligibility-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 1.75rem 1rem;
    text-align: center;
    transition: var(--transition);
}

.eligibility-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}

.eligibility-icon {
    width: 56px;
    height: 56px;
    background: var(--gradient-primary);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.25rem;
    margin: 0 auto 1rem;
    box-shadow: var(--shadow-blue);
}

.eligibility-card h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.5rem;
}

.eligibility-card p {
    font-size: 0.85rem;
    color: var(--gray-500);
    font-weight: 500;
}

/* ===== DOCUMENTS ===== */
.documents {
    padding: 4rem 0;
    background: var(--white);
}

.documents-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

.document-card {
    background: var(--gradient-card);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 2rem;
    text-align: center;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.document-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-accent);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.document-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}

.document-card:hover::after {
    transform: scaleX(1);
}

.doc-icon {
    width: 60px;
    height: 60px;
    background: var(--gradient-primary);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.35rem;
    margin: 0 auto 1rem;
    box-shadow: var(--shadow-blue);
}

.document-card h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.4rem;
}

.document-card p {
    font-size: 0.85rem;
    color: var(--gray-500);
    margin-bottom: 1rem;
}

.doc-tag {
    display: inline-block;
    padding: 0.35rem 0.75rem;
    border-radius: var(--radius-full);
    font-size: 0.75rem;
    font-weight: 600;
}

.doc-tag.required {
    background: rgba(239, 68, 68, 0.1);
    color: var(--danger);
    border: 1px solid rgba(239, 68, 68, 0.2);
}

.doc-tag.optional {
    background: rgba(16, 185, 129, 0.1);
    color: var(--success);
    border: 1px solid rgba(16, 185, 129, 0.2);
}

/* ===== LOAN PROCESS ===== */
.loan-process {
    padding: 4rem 0;
    background: var(--white);
}

.process-steps {
    display: flex;
    justify-content: space-between;
    position: relative;
    max-width: 1100px;
    margin: 0 auto;
}

.process-steps::before {
    content: '';
    position: absolute;
    top: 28px;
    left: 5%;
    right: 5%;
    height: 3px;
    background: var(--gray-200);
    z-index: 0;
}

.process-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    position: relative;
    z-index: 1;
    flex: 1;
    max-width: 140px;
}

.step-number {
    width: 56px;
    height: 56px;
    background: var(--white);
    border: 3px solid var(--gray-200);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 1.1rem;
    color: var(--gray-400);
    margin-bottom: 1rem;
    transition: var(--transition);
    position: relative;
    z-index: 2;
}

.process-step:hover .step-number,
.process-step[data-step="1"] .step-number {
    background: var(--gradient-accent);
    border-color: var(--secondary);
    color: var(--white);
    box-shadow: var(--shadow-blue);
}

.step-content {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 1.25rem;
    width: 100%;
    transition: var(--transition);
}

.process-step:hover .step-content {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}

.step-icon {
    width: 44px;
    height: 44px;
    background: var(--gradient-primary);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1rem;
    margin: 0 auto 0.75rem;
}

.step-content h4 {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.3rem;
}

.step-content p {
    font-size: 0.75rem;
    color: var(--gray-500);
    line-height: 1.4;
}

/* ===== ABOUT US ===== */
.about {
    padding: 4rem 0;
    background: var(--white);
}

.about-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.about-left .section-tag {
    margin-bottom: 1rem;
}

.about-left .section-title {
    text-align: left;
    margin-bottom: 1.5rem;
}

.about-text {
    color: var(--gray-600);
    line-height: 1.8;
    margin-bottom: 1.25rem;
    font-size: 1rem;
}

.about-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    margin-top: 2.5rem;
}

.about-stat {
    text-align: center;
    padding: 1.25rem;
    background: var(--white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-200);
    transition: var(--transition);
}

.about-stat:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}

.about-stat-number {
    display: block;
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 0.25rem;
}

.about-stat-label {
    font-size: 0.8rem;
    color: var(--gray-500);
    font-weight: 500;
}

.about-right {
    position: relative;
}

.about-image-wrapper {
    position: relative;
}

.about-image {
    width: 100%;
    aspect-ratio: 4/3;
    background: var(--gradient-primary);
    border-radius: var(--radius-xl);
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-xl);
}

.about-image::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23f59e0b' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.about-img-content {
    text-align: center;
    color: var(--white);
    position: relative;
    z-index: 2;
}

.about-img-content i {
    font-size: 4rem;
    margin-bottom: 1rem;
    color: var(--secondary-light);
}

.about-img-content h3 {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.about-img-content p {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
}

.about-floating {
    position: absolute;
    background: var(--white);
    border-radius: var(--radius);
    padding: 0.75rem 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    box-shadow: var(--shadow-lg);
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--primary);
    border: 1px solid var(--gray-200);
    animation: float 4s ease-in-out infinite;
}

.about-floating i {
    color: var(--secondary);
    font-size: 1rem;
}

.about-float-1 {
    top: 10%;
    right: -20px;
    animation-delay: 0s;
}

.about-float-2 {
    bottom: 15%;
    left: -20px;
    animation-delay: 2s;
}

/* ===== TESTIMONIALS ===== */
.testimonials {
    padding: 4rem 0;
    background: var(--white);
}

.testimonials-slider {
    position: relative;
    overflow: hidden;
}

.testimonials-track {
    display: flex;
    gap: 1.5rem;
    transition: transform 0.5s ease;
}

.testimonial-card {
    flex: 0 0 calc(50% - 0.75rem);
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 2rem;
    transition: var(--transition);
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--secondary);
}

.testimonial-rating {
    display: flex;
    gap: 0.25rem;
    margin-bottom: 1rem;
}

.testimonial-rating i {
    color: var(--accent);
    font-size: 0.9rem;
}

.testimonial-text {
    font-size: 0.95rem;
    color: var(--gray-600);
    line-height: 1.7;
    margin-bottom: 1.5rem;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.author-avatar {
    width: 44px;
    height: 44px;
    background: var(--gradient-primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-weight: 700;
    font-size: 0.85rem;
}

.author-info h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--primary);
}

.author-info span {
    font-size: 0.8rem;
    color: var(--gray-500);
}

.testimonial-nav {
    display: flex;
    justify-content: center;
    gap: 1rem;
    margin-top: 2rem;
}

.testimonial-prev,
.testimonial-next {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--white);
    border: 2px solid var(--gray-200);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    cursor: pointer;
    transition: var(--transition);
}

.testimonial-prev:hover,
.testimonial-next:hover {
    background: var(--gradient-accent);
    border-color: var(--secondary);
    color: var(--white);
    box-shadow: var(--shadow-blue);
    transform: scale(1.1);
}

/* ===== FAQ ===== */
.faq {
    padding: 4rem 0;
    background: var(--white);
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.faq-item {
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: var(--transition);
    background: var(--white);
}

.faq-item:hover {
    border-color: var(--gray-300);
}

.faq-item.active {
    border-color: var(--secondary);
    box-shadow: var(--shadow-md);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1.25rem 1.5rem;
    background: none;
    border: none;
    text-align: left;
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary);
    cursor: pointer;
    transition: var(--transition);
}

.faq-question i {
    color: var(--gray-400);
    transition: var(--transition);
    font-size: 0.9rem;
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
    color: var(--secondary);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
}

.faq-item.active .faq-answer {
    max-height: 300px;
}

.faq-answer p {
    padding: 0 1.5rem 1.25rem;
    color: var(--gray-600);
    font-size: 0.95rem;
    line-height: 1.7;
}

/* ===== CONTACT ===== */
.contact {
    padding: 4rem 0;
    background: var(--white);
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}

.contact-left .section-tag,
.contact-left .section-title,
.contact-left .section-subtitle {
    text-align: left;
}

.contact-left .section-subtitle {
    margin: 0 0 2rem 0;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    margin-bottom: 2rem;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding: 1.25rem;
    background: var(--white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-200);
    transition: var(--transition);
}

.contact-item:hover {
    transform: translateX(5px);
    border-color: var(--secondary);
    box-shadow: var(--shadow-sm);
}

.contact-icon {
    width: 48px;
    height: 48px;
    background: var(--gradient-primary);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1.1rem;
    flex-shrink: 0;
}

.contact-detail h4 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.25rem;
}

.contact-detail p {
    font-size: 0.9rem;
    color: var(--gray-600);
    line-height: 1.5;
}

.contact-detail span {
    font-size: 0.8rem;
    color: var(--gray-400);
}

.contact-social {
    display: flex;
    gap: 0.75rem;
}

.contact-social a {
    width: 44px;
    height: 44px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray-500);
    font-size: 1rem;
    transition: var(--transition);
}

.contact-social a:hover {
    background: var(--gradient-accent);
    color: var(--white);
    border-color: var(--secondary);
    transform: translateY(-3px);
    box-shadow: var(--shadow-blue);
}

.contact-right {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    box-shadow: var(--shadow);
    border: 1px solid var(--gray-200);
}

.contact-form h3 {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 1.5rem;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-bottom: 1rem;
}

.form-group {
    margin-bottom: 1rem;
}

.form-group label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 0.5rem;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 0.75rem 1rem;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 0.95rem;
    color: var(--gray-700);
    transition: var(--transition);
    background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--secondary);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--gray-400);
}

.form-group select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%2364748b' viewBox='0 0 16 16'%3E%3Cpath d='M7.247 11.14 2.451 5.658C1.885 5.013 2.345 4 3.204 4h9.592a1 1 0 0 1 .753 1.659l-4.796 5.48a1 1 0 0 1-1.506 0z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1rem center;
    padding-right: 2.5rem;
}

/* ===== CTA SECTION ===== */
.cta-section {
    padding: 5rem 0;
    background: var(--gradient-primary);
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23f59e0b' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.cta-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 3rem;
    position: relative;
    z-index: 2;
}

.cta-text h2 {
    font-size: 2.25rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 0.75rem;
    letter-spacing: -0.02em;
}

.cta-text p {
    color: rgba(255,255,255,0.7);
    font-size: 1.05rem;
    max-width: 500px;
}

.cta-buttons {
    display: flex;
    gap: 1rem;
    flex-shrink: 0;
}

/* ===== FOOTER ===== */
.footer {
    background: var(--primary);
    color: rgba(255,255,255,0.7);
}

.footer-top {
    padding: 4rem 0 3rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
}

.footer-brand {
    max-width: 320px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--white);
    font-weight: 700;
    font-size: 1.25rem;
    margin-bottom: 1rem;
}

.footer-logo .logo-icon {
    width: 36px;
    height: 36px;
    background: var(--gradient-accent);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 1rem;
}

.footer-brand p {
    font-size: 0.9rem;
    line-height: 1.7;
    margin-bottom: 1.25rem;
}

.footer-badges {
    display: flex;
    gap: 0.75rem;
    flex-wrap: wrap;
}

.footer-badges .badge {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.75rem;
    padding: 0.4rem 0.75rem;
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-full);
    color: rgba(255,255,255,0.6);
}

.footer-badges .badge i {
    color: var(--secondary-light);
    font-size: 0.7rem;
}

.footer-links h4 {
    color: var(--white);
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 1.25rem;
}

.footer-links ul {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer-links a {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.6);
    transition: var(--transition);
    display: inline-block;
}

.footer-links a:hover {
    color: var(--secondary-light);
    transform: translateX(3px);
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 1.5rem 0;
}

.footer-bottom-content {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    text-align: center;
}

.footer-bottom-content p {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.5);
}

.footer-disclaimer {
    font-size: 0.75rem !important;
    max-width: 700px;
    line-height: 1.5;
}

/* ===== MODALS ===== */
.modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(10, 22, 40, 0.7);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1rem;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

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

.modal-container {
    background: var(--white);
    border-radius: var(--radius-xl);
    width: 100%;
    max-width: 800px;
    max-height: 90vh;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    transform: scale(0.95) translateY(20px);
    transition: var(--transition);
    box-shadow: var(--shadow-xl);
}

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

.modal-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1.25rem 1.5rem;
    border-bottom: 1px solid var(--gray-200);
    background: var(--white);
}

.modal-brand {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.modal-brand h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary);
}

.modal-subtitle {
    font-size: 0.75rem;
    color: var(--gray-500);
}

.modal-close {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--gray-100);
    color: var(--gray-500);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    cursor: pointer;
    transition: var(--transition);
    border: none;
}

.modal-close:hover {
    background: var(--danger-light);
    color: var(--danger);
    transform: rotate(90deg);
}

/* Modal Progress */
.modal-progress-wrapper {
    padding: 1rem 1.5rem 0;
    background: var(--white);
}

.modal-progress-bar {
    height: 4px;
    background: var(--gray-200);
    border-radius: 2px;
    overflow: hidden;
    margin-bottom: 1rem;
}

.modal-progress-fill {
    height: 100%;
    background: var(--gradient-accent);
    border-radius: 2px;
    transition: width 0.4s ease;
}

.modal-progress-steps {
    display: flex;
    justify-content: space-between;
    margin-bottom: 1rem;
}

.modal-progress-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.4rem;
    flex: 1;
    position: relative;
}

.modal-progress-step::before {
    content: '';
    position: absolute;
    top: 12px;
    left: -50%;
    right: 50%;
    height: 2px;
    background: var(--gray-200);
    z-index: 0;
}

.modal-progress-step:first-child::before {
    display: none;
}

.modal-progress-step.active::before,
.modal-progress-step.completed::before {
    background: var(--accent);
}

.step-dot {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--gray-200);
    color: var(--gray-500);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    font-weight: 700;
    position: relative;
    z-index: 1;
    transition: var(--transition);
    border: 2px solid transparent;
}

.modal-progress-step.active .step-dot {
    background: var(--gradient-accent);
    color: var(--white);
    border-color: var(--secondary-light);
    box-shadow: var(--shadow-blue);
}

.modal-progress-step.completed .step-dot {
    background: var(--success);
    color: var(--white);
}

.modal-progress-step span {
    font-size: 0.7rem;
    font-weight: 600;
    color: var(--gray-500);
}

.modal-progress-step.active span {
    color: var(--primary);
}

.modal-body {
    flex: 1;
    overflow-y: auto;
    padding: 0 1.5rem;
    scrollbar-width: thin;
    scrollbar-color: var(--gray-300) transparent;
}

.modal-body::-webkit-scrollbar {
    width: 6px;
}

.modal-body::-webkit-scrollbar-track {
    background: transparent;
}

.modal-body::-webkit-scrollbar-thumb {
    background: var(--gray-300);
    border-radius: 3px;
}

.modal-footer {
    display: flex;
    justify-content: flex-end;
    gap: 1rem;
    padding: 1rem 1.5rem;
    border-top: 1px solid var(--gray-200);
    background: var(--white);
}

/* Form Steps */
.form-step {
    display: none;
    padding: 1.5rem 0;
    animation: fadeIn 0.3s ease;
}

.form-step.active {
    display: block;
}

.step-header {
    margin-bottom: 1.5rem;
}

.step-header h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary);
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 0.25rem;
}

.step-header h4 i {
    color: var(--accent);
}

.step-header p {
    font-size: 0.85rem;
    color: var(--gray-500);
}

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

.form-field {
    display: flex;
    flex-direction: column;
    gap: 0.4rem;
}

.form-field label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--primary);
}

.required-star {
    color: var(--danger);
}

.form-field input,
.form-field select,
.form-field textarea {
    width: 100%;
    padding: 0.625rem 0.875rem;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    color: var(--gray-700);
    transition: var(--transition);
    background: var(--white);
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
    border-color: var(--secondary);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.form-field input::placeholder,
.form-field textarea::placeholder {
    color: var(--gray-400);
    font-size: 0.85rem;
}

.input-icon-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.input-icon {
    position: absolute;
    left: 0.875rem;
    color: var(--gray-400);
    font-size: 0.9rem;
    pointer-events: none;
}

.input-prefix {
    position: absolute;
    left: 0.875rem;
    font-weight: 600;
    color: var(--gray-500);
    pointer-events: none;
    font-size: 0.9rem;
}

.input-icon-wrapper input {
    padding-left: 2.5rem;
}

.select-wrapper {
    position: relative;
}

.select-wrapper select {
    appearance: none;
    padding-right: 2.5rem;
    cursor: pointer;
}

.select-arrow {
    position: absolute;
    right: 0.875rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--gray-400);
    font-size: 0.8rem;
    pointer-events: none;
}

/* File Upload */
.file-upload-wrapper {
    position: relative;
}

.file-input {
    position: absolute;
    inset: 0;
    opacity: 0;
    cursor: pointer;
    z-index: 2;
}

.file-upload-box {
    border: 2px dashed var(--gray-300);
    border-radius: var(--radius);
    padding: 1.5rem;
    text-align: center;
    transition: var(--transition);
    background: var(--white);
}

.file-upload-box:hover {
    border-color: var(--accent);
    background: rgba(245, 158, 11, 0.05);
}

.file-upload-box i {
    font-size: 2rem;
    color: var(--gray-400);
    margin-bottom: 0.5rem;
    display: block;
}

.file-upload-box span {
    font-size: 0.85rem;
    color: var(--gray-600);
    font-weight: 500;
    display: block;
}

.file-upload-box small {
    font-size: 0.75rem;
    color: var(--gray-400);
}

/* Checkbox */
.checkbox-wrapper {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    cursor: pointer;
    position: relative;
}

.checkbox-wrapper input {
    position: absolute;
    opacity: 0;
    width: 0;
    height: 0;
}

.checkmark {
    width: 20px;
    height: 20px;
    border: 2px solid var(--gray-300);
    border-radius: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: var(--transition);
    margin-top: 2px;
}

.checkbox-wrapper input:checked + .checkmark {
    background: var(--gradient-accent);
    border-color: var(--secondary);
}

.checkbox-wrapper input:checked + .checkmark::after {
    content: '\f00c';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    font-size: 0.65rem;
    color: var(--primary);
}

.checkbox-label {
    font-size: 0.85rem;
    color: var(--gray-600);
    line-height: 1.5;
}

.checkbox-label a {
    color: var(--secondary);
    font-weight: 600;
}

.checkbox-label a:hover {
    color: var(--secondary);
    text-decoration: underline;
}

.terms-checkbox {
    padding: 1rem;
    background: var(--white);
    border-radius: var(--radius-sm);
    border: 1px solid var(--gray-200);
}

/* Section Divider */
.section-divider {
    grid-column: 1 / -1;
    display: flex;
    align-items: center;
    gap: 1rem;
    margin: 1rem 0 0.5rem;
}

.section-divider::before,
.section-divider::after {
    content: '';
    flex: 1;
    height: 1px;
    background: var(--gray-200);
}

.section-divider span {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    white-space: nowrap;
}

/* Loan Type Selector */
.loan-type-selector {
    grid-column: 1 / -1;
    margin-bottom: 1rem;
}

.loan-type-selector label {
    display: block;
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 0.75rem;
}

.loan-type-options {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
}

.loan-type-option {
    cursor: pointer;
}

.loan-type-option input {
    position: absolute;
    opacity: 0;
}

.loan-type-card {
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1.25rem;
    text-align: center;
    transition: var(--transition);
    background: var(--white);
}

.loan-type-card i {
    font-size: 1.5rem;
    color: var(--gray-400);
    margin-bottom: 0.5rem;
    display: block;
}

.loan-type-card span {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--gray-600);
}

.loan-type-option input:checked + .loan-type-card {
    border-color: var(--secondary);
    background: rgba(37, 99, 235, 0.05);
    box-shadow: var(--shadow-blue);
}

.loan-type-option input:checked + .loan-type-card i {
    color: var(--secondary);
}

.loan-type-option input:checked + .loan-type-card span {
    color: var(--primary);
}

/* Trust Banner */
.trust-banner {
    grid-column: 1 / -1;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.875rem 1rem;
    background: rgba(37, 99, 235, 0.05);
    border: 1px solid rgba(37, 99, 235, 0.15);
    border-radius: var(--radius-sm);
    margin-bottom: 1rem;
}

.trust-banner i {
    color: var(--secondary);
    font-size: 1rem;
}

.trust-banner span {
    font-size: 0.8rem;
    color: var(--gray-600);
}

/* Field Error */
.field-error {
    font-size: 0.75rem;
    color: var(--danger);
    min-height: 18px;
    display: block;
}

/* Form Terms */
.form-terms {
    grid-column: 1 / -1;
    margin-top: 1rem;
}

/* Success Modal */
.success-modal {
    max-width: 450px;
    text-align: center;
    padding: 2.5rem;
}

.success-icon {
    width: 80px;
    height: 80px;
    background: var(--success-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
}

.success-icon i {
    font-size: 2.5rem;
    color: var(--success);
}

.success-modal h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.75rem;
}

.success-modal > p {
    color: var(--gray-600);
    font-size: 0.95rem;
    margin-bottom: 1rem;
}

.success-ref {
    background: var(--white);
    padding: 0.75rem 1rem;
    border-radius: var(--radius-sm);
    margin-bottom: 1.5rem;
    font-size: 0.9rem;
    color: var(--gray-600);
}

.success-ref strong {
    color: var(--primary);
    font-family: monospace;
    font-size: 1rem;
}

.success-next-steps {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    margin-bottom: 1.5rem;
}

.next-step {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-size: 0.85rem;
    color: var(--gray-600);
    padding: 0.5rem;
}

.next-step i {
    color: var(--secondary);
    width: 20px;
}

/* ===== SCROLL TO TOP ===== */
.scroll-top {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    width: 48px;
    height: 48px;
    background: var(--gradient-accent);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    cursor: pointer;
    z-index: 999;
    box-shadow: var(--shadow-gold);
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    transition: var(--transition);
    border: none;
}

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

.scroll-top:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 25px rgba(37,99,235,0.4);
}

/* ===== PARTICLES ===== */
#particles {
    position: absolute;
    inset: 0;
    overflow: hidden;
    pointer-events: none;
    z-index: 1;
}

.particle {
    position: absolute;
    background: var(--secondary);
    border-radius: 50%;
    opacity: 0.3;
    animation: particleFloat 6s ease-in-out infinite;
}

@keyframes particleFloat {
    0%, 100% { transform: translateY(0) scale(1); opacity: 0.3; }
    50% { transform: translateY(-100px) scale(1.5); opacity: 0.1; }
}

/* ============================================
   RESPONSIVE DESIGN - ALL DEVICES
   ============================================ */

/* ===== TABLET (max-width: 1024px) ===== */
@media (max-width: 1024px) {
    :root {
        --container-padding: 1.25rem;
    }

    .hero .section-container {
        gap: 2rem;
    }

    .hero-title {
        font-size: 2.75rem;
    }

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

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

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

    .about-wrapper {
        gap: 2.5rem;
    }

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

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

    .footer-brand {
        grid-column: 1 / -1;
        max-width: 100%;
    }

    .process-steps {
        flex-wrap: wrap;
        gap: 1.5rem;
        justify-content: center;
    }

    .process-steps::before {
        display: none;
    }

    .process-step {
        flex: 0 0 calc(33.333% - 1rem);
        max-width: 160px;
    }

    .cta-content {
        flex-direction: column;
        text-align: center;
    }

    .cta-text p {
        max-width: 100%;
    }
}

/* ===== MOBILE (max-width: 768px) ===== */
@media (max-width: 768px) {
    :root {
        --container-padding: 1rem;
    }

    body {
        font-size: 15px;
    }

    /* Navigation */
    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        background: #ffffff;
        flex-direction: column;
        align-items: flex-start;
        padding: 5rem 1.5rem 2rem;
        gap: 0.25rem;
        transition: right 0.4s ease;
        z-index: 999;
        overflow-y: auto;
        box-shadow: -8px 0 30px rgba(0,0,0,0.12);
    }

    .nav-menu.active {
        right: 0;
    }

    .nav-link {
        width: 100%;
        padding: 1rem 1.25rem;
        border-radius: var(--radius);
        font-size: 1rem;
        color: var(--gray-700);
        margin-bottom: 0.25rem;
        display: flex;
        align-items: center;
        gap: 0.75rem;
        font-weight: 500;
        letter-spacing: 0.01em;
        transition: all 0.25s ease;
    }

    .nav-link::before {
        content: '';
        width: 4px;
        height: 0;
        background: var(--secondary);
        border-radius: 2px;
        transition: height 0.3s ease;
        flex-shrink: 0;
    }

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

    .nav-link:hover,
    .nav-link.active {
        background: rgba(37, 99, 235, 0.04);
        color: var(--secondary);
        padding-left: 1.5rem;
    }

    .nav-link:hover::before,
    .nav-link.active::before {
        height: 20px;
    }

    .nav-link i {
        font-size: 1rem;
        color: var(--gray-400);
        width: 24px;
        text-align: center;
        transition: color 0.25s ease;
    }

    .nav-link:hover i,
    .nav-link.active i {
        color: var(--secondary);
    }

    .mobile-toggle {
        display: flex;
        z-index: 1001;
    }

    .btn-apply-nav {
        display: none;
    }

    .mobile-only {
        display: block;
        margin-top: 1.5rem;
        padding-top: 1.5rem;
        border-top: 1px solid var(--gray-200);
    }

    .mobile-apply-btn {
        width: 100%;
        background: var(--gradient-accent);
        color: var(--white);
        font-weight: 600;
        padding: 0.875rem;
        border-radius: var(--radius);
        font-size: 1rem;
    }

    /* Hero */
    .hero {
        min-height: auto;
        padding: 5rem 0 2rem;
        justify-content: center;
        text-align: center;
    }

    .hero .section-container {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 0;
        max-width: 100%;
        overflow-x: hidden;
    }

    .hero-content {
        max-width: 100%;
        padding: 0 1rem;
        width: 100%;
        display: flex;
        flex-direction: column;
        align-items: center;
        justify-content: center;
        overflow-x: hidden;
    }

    .hero-title {
        font-size: 1.75rem;
    }

    .hero-stats {
        justify-content: center;
        gap: 0;
        max-width: 100%;
        overflow: hidden;
    }

    .stat-item {
        text-align: center;
    }

    .hero-buttons {
        justify-content: center;
        width: 100%;
        max-width: 100%;
        padding: 0;
    }

    .hero-trust {
        justify-content: center;
    }

    .hero-image {
        display: none !important;
    }

    /* Sections */
    .section-title {
        font-size: 1.875rem;
    }

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

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

    .emi-right {
        position: static;
    }

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

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

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

    .process-step {
        flex: 0 0 calc(50% - 0.75rem);
    }

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

    .about-right {
        order: -1;
    }

    .about-floating {
        display: none;
    }

    .testimonial-card {
        flex: 0 0 100%;
    }

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

    .contact-right {
        order: -1;
    }

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

    .cta-content {
        gap: 1.5rem;
    }

    .cta-text h2 {
        font-size: 1.75rem;
    }

    .cta-buttons {
        flex-direction: column;
        width: 100%;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .footer-brand {
        grid-column: auto;
    }

    /* Modal */
    .modal-container {
        max-width: 100%;
        max-height: 95vh;
        border-radius: var(--radius-lg);
    }

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

    .modal-progress-steps {
        gap: 0.25rem;
    }

    .modal-progress-step span {
        font-size: 0.6rem;
    }

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

    .section-divider {
        margin: 0.5rem 0;
    }
}

/* ===== SMALL MOBILE (max-width: 480px) ===== */
@media (max-width: 480px) {
    .hero-title {
        font-size: 1.5rem;
    }

    .hero-subtitle {
        font-size: 0.9rem;
        margin-bottom: 1.25rem;
    }

    .hero-stats {
        flex-direction: column;
        gap: 1rem;
    }

    .stat-item {
        text-align: center;
        flex-direction: column;
    }

    .stat-label {
        margin-top: 0.25rem;
    }

    .hero-buttons {
        flex-direction: column;
        width: 100%;
        max-width: 100%;
        gap: 0.75rem;
    }

    .hero-buttons .btn-primary,
    .hero-buttons .btn-secondary {
        width: 100%;
        max-width: 320px;
    }

    .btn-primary,
    .btn-secondary,
    .btn-outline {
        width: 100%;
        justify-content: center;
    }

    .section-title {
        font-size: 1.5rem;
    }

    .section-subtitle {
        font-size: 0.95rem;
    }

    .loan-card-content {
        padding: 1.75rem;
    }

    .emi-left,
    .emi-right,
    .contact-right {
        padding: 1.5rem;
    }

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

    .eligibility-card {
        display: flex;
        align-items: center;
        gap: 1rem;
        text-align: left;
        padding: 1rem 1.25rem;
    }

    .eligibility-icon {
        margin: 0;
        flex-shrink: 0;
    }

    .process-step {
        flex: 0 0 100%;
        max-width: 100%;
        flex-direction: row;
        align-items: flex-start;
        gap: 1rem;
        text-align: left;
    }

    .step-number {
        margin-bottom: 0;
        flex-shrink: 0;
    }

    .step-content {
        flex: 1;
    }

    .about-stats {
        grid-template-columns: repeat(2, 1fr);
        gap: 0.75rem;
    }

    .about-stat {
        padding: 1rem;
    }

    .about-stat-number {
        font-size: 1.35rem;
    }

    .testimonial-card {
        padding: 1.5rem;
    }

    .faq-question {
        padding: 1rem 1.25rem;
        font-size: 0.9rem;
    }

    .faq-answer p {
        padding: 0 1.25rem 1rem;
        font-size: 0.875rem;
    }

    .contact-item {
        padding: 1rem;
    }

    .contact-icon {
        width: 40px;
        height: 40px;
        font-size: 1rem;
    }

    .cta-text h2 {
        font-size: 1.5rem;
    }

    .modal-header {
        padding: 1rem 1.25rem;
    }

    .modal-body {
        padding: 0 1.25rem;
    }

    .modal-footer {
        padding: 0.875rem 1.25rem;
        flex-direction: column-reverse;
    }

    .modal-footer .btn-primary,
    .modal-footer .btn-secondary {
        width: 100%;
    }

    .success-modal {
        padding: 1.75rem;
    }

    .success-icon {
        width: 64px;
        height: 64px;
    }

    .success-icon i {
        font-size: 2rem;
    }

    .scroll-top {
        width: 42px;
        height: 42px;
        bottom: 1rem;
        right: 1rem;
    }
}

/* ===== LARGE SCREENS (min-width: 1440px) ===== */
@media (min-width: 1440px) {
    :root {
        --container-max: 1360px;
        --container-padding: 2rem;
    }

    .hero-title {
        font-size: 4rem;
    }

    .section-title {
        font-size: 3rem;
    }

    .features-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 2rem;
    }

    .feature-card {
        padding: 2.5rem;
    }
}

/* ===== LANDSCAPE MOBILE ===== */
@media (max-height: 500px) and (orientation: landscape) {
    .hero {
        min-height: auto;
        padding: 5rem 0 3rem;
    }

    .hero-image {
        display: none !important;
    }

    .modal-container {
        max-height: 95vh;
    }
}

/* ===== REDUCED MOTION ===== */
@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }

    html {
        scroll-behavior: auto;
    }
}

/* ===== PRINT STYLES ===== */
@media print {
    .navbar,
    .hero-image,
    .scroll-top,
    .modal-overlay,
    .mobile-toggle,
    .btn-apply-nav,
    .testimonial-nav,
    .cta-section {
        display: none !important;
    }

    .hero {
        min-height: auto;
        padding: 2rem 0;
        background: var(--primary) !important;
        -webkit-print-color-adjust: exact;
        print-color-adjust: exact;
    }

    body {
        background: var(--white) !important;
        color: var(--gray-900) !important;
    }

    section {
        padding: 2rem 0 !important;
        page-break-inside: avoid;
    }
}

/* ===== DARK MODE SUPPORT (Optional) ===== */
@media (prefers-color-scheme: dark) {
    /* Uncomment if you want automatic dark mode */
    /*
    :root {
        --gray-50: #0f172a;
        --gray-100: #1e293b;
        --gray-200: #334155;
        --gray-300: #475569;
        --gray-400: #64748b;
        --gray-500: #94a3b8;
        --gray-600: #cbd5e1;
        --gray-700: #e2e8f0;
        --gray-800: #f1f5f9;
        --gray-900: #f8fafc;
        --white: #0f172a;
    }
    */
}

/* ===== HIGH CONTRAST MODE ===== */
@media (prefers-contrast: high) {
    :root {
        --primary: #000000;
        --secondary: #0000ff;
        --accent: #ff8c00;
        --gray-200: #808080;
        --gray-500: #404040;
    }

    .btn-primary,
    .btn-loan,
    .feature-icon,
    .step-icon,
    .eligibility-icon,
    .doc-icon,
    .contact-icon {
        border: 2px solid currentColor;
    }
}

/* ===== FOCUS STYLES FOR ACCESSIBILITY ===== */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
    outline: 3px solid var(--secondary);
    outline-offset: 2px;
}

/* ===== SELECTION COLORS ===== */
::selection {
    background: rgba(37, 99, 235, 0.2);
    color: var(--primary);
}

::-moz-selection {
    background: rgba(37, 99, 235, 0.2);
    color: var(--primary);
}

/* ===== SCROLLBAR STYLING ===== */
::-webkit-scrollbar {
    width: 8px;
}

::-webkit-scrollbar-track {
    background: var(--gray-100);
}

::-webkit-scrollbar-thumb {
    background: var(--gray-300);
    border-radius: 4px;
}

::-webkit-scrollbar-thumb:hover {
    background: var(--gray-400);
}

/* ===== LOADING STATE ===== */
.loading {
    position: relative;
    pointer-events: none;
    opacity: 0.7;
}

.loading::after {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 20px;
    height: 20px;
    margin: -10px 0 0 -10px;
    border: 2px solid var(--gray-200);
    border-top-color: var(--secondary);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
}

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

/* ===== TOOLTIP ===== */
[data-tooltip] {
    position: relative;
}

[data-tooltip]::after {
    content: attr(data-tooltip);
    position: absolute;
    bottom: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(-8px);
    background: var(--primary);
    color: var(--white);
    padding: 0.4rem 0.75rem;
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 500;
    white-space: nowrap;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    z-index: 100;
}

[data-tooltip]:hover::after {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(-4px);
}

/* ===== VALIDATION STATES ===== */
input.valid,
select.valid,
textarea.valid {
    border-color: var(--success) !important;
    background: var(--success-light) !important;
}

input.invalid,
select.invalid,
textarea.invalid {
    border-color: var(--danger) !important;
    background: var(--danger-light) !important;
}

/* ===== ANIMATION CLASSES ===== */
.fade-in {
    animation: fadeIn 0.5s ease forwards;
}

.slide-up {
    animation: slideUp 0.5s ease forwards;
}

@keyframes slideUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
}

.scale-in {
    animation: scaleIn 0.4s ease forwards;
}

@keyframes scaleIn {
    from { opacity: 0; transform: scale(0.9); }
    to { opacity: 1; transform: scale(1); }
}

/* ===== STICKY HEADER COMPENSATION ===== */
html {
    scroll-padding-top: 80px;
}

/* ===== IMAGE LAZY LOAD PLACEHOLDER ===== */
img[loading="lazy"] {
    background: var(--gray-100);
    min-height: 100px;
}

/* ===== CUSTOM FORM VALIDATION ===== */
input:invalid:not(:placeholder-shown) {
    border-color: var(--danger);
}

input:valid:not(:placeholder-shown) {
    border-color: var(--success);
}

/* ===== DISABLED STATE ===== */
button:disabled,
input:disabled,
select:disabled,
textarea:disabled {
    opacity: 0.6;
    cursor: not-allowed;
}

/* ===== READONLY STATE ===== */
input[readonly],
textarea[readonly] {
    background: var(--gray-100);
    cursor: default;
}

/* ===== END OF CSS ===== */