/* ===========================================================
   LoanBandhu — brand stylesheet
   Tokens carried over from the Friendly Coin logo system.
   =========================================================== */
:root{
  --blue:#1A3C7B;
  --blue-700:#16336a;
  --blue-900:#0f2349;
  --green:#2E9E5B;
  --green-600:#268a4f;
  --gold:#E0A92B;
  --grey:#F2F5FA;
  --blue-tint:#7BA7F5;
  --green-tint:#5FD18F;
  --ink:#16243f;
  --line:#E5EBF4;
  --muted:#7A89A3;
  --white:#ffffff;
  --paper:#FBFCFE;
  --maxw:1200px;
  --radius:18px;
  --radius-lg:26px;
  --shadow-sm:0 1px 2px rgba(16,36,63,.05), 0 8px 22px -16px rgba(16,36,63,.22);
  --shadow:0 1px 2px rgba(16,36,63,.04), 0 24px 60px -34px rgba(16,36,63,.30);
  --shadow-navy:0 24px 60px -30px rgba(10,28,64,.65);
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
html,body{margin:0;}
body{
  background:var(--paper);
  color:var(--ink);
  font-family:'Poppins',system-ui,sans-serif;
  -webkit-font-smoothing:antialiased;
  line-height:1.6;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
.hi{font-family:'Noto Sans Devanagari','Poppins',sans-serif;}
.mono{font-family:'JetBrains Mono',monospace;}

/* ---------- layout ---------- */
.container{max-width:var(--maxw);margin:0 auto;padding:0 28px;}
.section{padding:88px 0;}
.section.tight{padding:64px 0;}
.bg-grey{background:var(--grey);}
.bg-navy{background:var(--blue);color:#fff;}
.center{text-align:center;}

/* ---------- type ---------- */
h1,h2,h3,h4{margin:0;letter-spacing:-.02em;line-height:1.08;font-weight:600;}
.display{font-size:clamp(34px,4.6vw,58px);font-weight:700;letter-spacing:-.03em;}
.h2{font-size:clamp(28px,3.4vw,42px);font-weight:600;}
.h3{font-size:22px;font-weight:600;}
.lead{font-size:clamp(16px,1.5vw,19px);color:var(--muted);line-height:1.65;}
.kicker{
  font-family:'JetBrains Mono',monospace;font-size:12px;font-weight:500;
  letter-spacing:.18em;text-transform:uppercase;color:var(--gold);
  display:inline-flex;align-items:center;gap:9px;
}
.kicker::before{content:"";width:22px;height:2px;background:var(--gold);border-radius:2px;}
.kicker.center-k{justify-content:center;}
.text-green{color:var(--green);}
.text-blue{color:var(--blue);}
.text-gold{color:var(--gold);}

.sec-head{max-width:680px;}
.sec-head.center{margin:0 auto;}
.sec-head .h2{margin:16px 0 0;}
.sec-head .lead{margin:16px 0 0;}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:inherit;font-weight:600;font-size:15px;line-height:1;
  padding:15px 26px;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;transition:transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
  white-space:nowrap;
}
.btn svg{width:18px;height:18px;}
.btn:active{transform:translateY(1px);}
.btn-green{background:var(--green);color:#fff;box-shadow:0 12px 24px -12px rgba(46,158,91,.6);}
.btn-green:hover{background:var(--green-600);box-shadow:0 16px 30px -12px rgba(46,158,91,.7);}
.btn-navy{background:var(--blue);color:#fff;box-shadow:0 12px 24px -14px rgba(26,60,123,.7);}
.btn-navy:hover{background:var(--blue-700);}
.btn-ghost{background:transparent;color:var(--blue);border-color:var(--line);}
.btn-ghost:hover{border-color:var(--blue);background:#fff;}
.btn-white{background:#fff;color:var(--blue);}
.btn-white:hover{background:#eef3fb;}
.btn-outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,.35);}
.btn-outline-white:hover{border-color:#fff;background:rgba(255,255,255,.08);}
.btn-lg{padding:18px 32px;font-size:16px;}
.btn-block{width:100%;}

/* ---------- coin logo ---------- */
.coin{display:block;height:42px;width:auto;}
.brand-lock{display:inline-flex;align-items:center;gap:12px;}
.brand-lock .wm{font-weight:600;font-size:22px;letter-spacing:-.01em;line-height:1;}
.brand-lock .wm .a{color:var(--blue);}
.brand-lock .wm .b{color:var(--green);}
.brand-lock.rev .wm .a{color:#fff;}
.brand-lock.rev .wm .b{color:var(--green-tint);}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(251,252,254,.85);
  backdrop-filter:saturate(160%) blur(12px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px;gap:24px;}
.nav-links{display:flex;align-items:center;gap:30px;list-style:none;margin:0;padding:0;}
.nav-links a{font-size:14.5px;font-weight:500;color:var(--ink);opacity:.82;transition:opacity .15s;white-space:nowrap;}
.nav-links a:hover{opacity:1;color:var(--blue);}
.nav-cta{display:flex;align-items:center;gap:14px;}
.nav-phone{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:14.5px;color:var(--blue);white-space:nowrap;}
.nav-phone svg{width:17px;height:17px;}
.nav-toggle{display:none;width:44px;height:44px;border:1px solid var(--line);background:#fff;border-radius:12px;cursor:pointer;align-items:center;justify-content:center;}
.nav-toggle svg{width:22px;height:22px;color:var(--blue);}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;padding:74px 0 88px;}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;}
.badge-row{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 26px;}
.pill{
  display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:500;
  background:#fff;border:1px solid var(--line);color:var(--ink);
  padding:8px 14px;border-radius:999px;box-shadow:var(--shadow-sm);
}
.pill .dot{width:8px;height:8px;border-radius:50%;background:var(--green);}
.pill .dot.gold{background:var(--gold);}
.hero h1{margin:0 0 20px;}
.hero .lead{max-width:520px;}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px;}
.hero-trust{display:flex;align-items:center;gap:22px;margin-top:30px;flex-wrap:wrap;color:var(--muted);font-size:13.5px;}
.hero-trust b{color:var(--ink);font-weight:600;}
.hero-trust .sep{width:1px;height:26px;background:var(--line);}

/* decorative coin medallion in hero */
.hero-visual{position:relative;display:flex;align-items:center;justify-content:center;min-height:420px;}
.medallion{
  position:relative;width:340px;height:340px;border-radius:50%;
  background:radial-gradient(circle at 50% 35%, #21478c, var(--blue) 62%, var(--blue-900));
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 40px 80px -30px rgba(16,36,63,.5), inset 0 2px 0 rgba(255,255,255,.08);
}
.medallion .ring{position:absolute;border-radius:50%;border:2px dotted rgba(95,209,143,.6);}
.medallion .ring.r1{inset:26px;}
.medallion .ring.r2{inset:-30px;border-color:rgba(123,167,245,.35);border-style:solid;border-width:1.5px;}
.medallion .ring.r3{inset:-70px;border-color:rgba(123,167,245,.18);border-style:solid;border-width:1.5px;}
.medallion .rupee{color:#fff;font-size:170px;font-weight:600;line-height:1;transform:translateY(-6px);}
.medallion .smile{position:absolute;bottom:64px;}
.float-card{
  position:absolute;background:#fff;border:1px solid var(--line);border-radius:16px;
  box-shadow:var(--shadow);padding:14px 16px;display:flex;align-items:center;gap:12px;
}
.float-card .fc-ico{width:40px;height:40px;border-radius:11px;display:flex;align-items:center;justify-content:center;flex:none;}
.float-card .fc-num{font-weight:700;font-size:17px;letter-spacing:-.01em;line-height:1;}
.float-card .fc-lab{font-size:11.5px;color:var(--muted);margin-top:3px;line-height:1.2;}
.float-card.f1{top:30px;left:-6px;}
.float-card.f2{bottom:46px;right:-10px;}
.float-card.f3{top:120px;right:-26px;}

/* ---------- stat strip ---------- */
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;}
.stat{background:#fff;padding:32px 26px;text-align:center;}
.stat .num{font-size:clamp(28px,3vw,38px);font-weight:700;letter-spacing:-.02em;color:var(--blue);line-height:1;}
.stat .num .u{color:var(--green);}
.stat .lab{font-size:13.5px;color:var(--muted);margin-top:10px;}

/* ---------- cards / grids ---------- */
.grid{display:grid;gap:22px;}
.g-2{grid-template-columns:repeat(2,1fr);}
.g-3{grid-template-columns:repeat(3,1fr);}
.g-4{grid-template-columns:repeat(4,1fr);}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;box-shadow:var(--shadow-sm);transition:transform .18s ease, box-shadow .2s ease, border-color .2s;
}
.card.hover:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#d8e2f2;}
.card .ico{
  width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;
  margin-bottom:18px;background:var(--grey);
}
.card .ico svg{width:26px;height:26px;}
.card h3{font-size:18px;margin:0 0 8px;}
.card p{margin:0;font-size:14px;color:var(--muted);line-height:1.6;}
.card .more{display:inline-flex;align-items:center;gap:7px;margin-top:16px;font-size:13.5px;font-weight:600;color:var(--green);}
.card .more svg{width:15px;height:15px;transition:transform .15s;}
.card.hover:hover .more svg{transform:translateX(3px);}

/* loan card variant */
.loan-card{position:relative;overflow:hidden;}
.loan-card .ico{background:rgba(26,60,123,.07);}
.loan-card .ico svg{color:var(--blue);}
.loan-card .rate{font-size:12px;font-weight:600;color:var(--green);background:rgba(46,158,91,.1);padding:4px 10px;border-radius:999px;display:inline-block;margin-top:14px;}

/* pain-point cards */
.pain{display:flex;gap:18px;align-items:flex-start;padding:24px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);}
.pain .q{flex:none;width:44px;height:44px;border-radius:12px;background:rgba(224,169,43,.14);display:flex;align-items:center;justify-content:center;}
.pain .q svg{width:22px;height:22px;color:var(--gold);}
.pain h4{font-size:16px;margin:0 0 6px;font-weight:600;}
.pain p{margin:0;font-size:13.5px;color:var(--muted);line-height:1.55;}
.pain .sol{display:inline-flex;align-items:center;gap:7px;margin-top:10px;font-size:12.5px;font-weight:600;color:var(--green);}
.pain .sol svg{width:15px;height:15px;}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:step;}
.step{position:relative;padding:30px 24px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);}
.step .n{
  width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;
  font-weight:700;font-size:16px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}
.step h4{font-size:16px;margin:0 0 7px;}
.step p{margin:0;font-size:13.5px;color:var(--muted);}

/* who-we-help audience cards */
.aud{display:flex;gap:16px;align-items:center;padding:20px 22px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-sm);}
.aud .ai{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex:none;background:var(--grey);}
.aud .ai svg{width:24px;height:24px;color:var(--blue);}
.aud h4{font-size:15.5px;margin:0 0 3px;}
.aud p{margin:0;font-size:13px;color:var(--muted);}

/* feature list with ticks */
.ticks{list-style:none;margin:0;padding:0;display:grid;gap:14px;}
.ticks li{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--ink);}
.ticks li svg{width:22px;height:22px;flex:none;color:var(--green);margin-top:1px;}
.ticks li b{font-weight:600;}
.ticks li span{color:var(--muted);}

/* split panel */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
.panel-visual{
  background:var(--blue);border-radius:var(--radius-lg);padding:44px;color:#fff;
  position:relative;overflow:hidden;box-shadow:var(--shadow-navy);
}
.panel-visual::after{content:"";position:absolute;width:300px;height:300px;border-radius:50%;border:2px dotted rgba(95,209,143,.3);right:-90px;bottom:-90px;}

/* CTA band */
.cta-band{position:relative;overflow:hidden;background:var(--blue);color:#fff;border-radius:var(--radius-lg);padding:56px;box-shadow:var(--shadow-navy);}
.cta-band::before{content:"";position:absolute;width:360px;height:360px;border-radius:50%;border:2px dotted rgba(95,209,143,.28);left:-120px;top:-120px;}
.cta-band .inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap;}
.consultant{display:inline-flex;align-items:center;gap:14px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:14px 18px;}
.consultant .ci{width:46px;height:46px;border-radius:12px;background:var(--green);display:flex;align-items:center;justify-content:center;flex:none;}
.consultant .ci svg{width:24px;height:24px;color:#fff;}
.consultant .cl{font-size:12px;color:rgba(255,255,255,.7);letter-spacing:.04em;text-transform:uppercase;}
.consultant .cn{font-size:20px;font-weight:700;letter-spacing:.01em;}

/* ---------- footer ---------- */
.site-footer{background:var(--blue-900);color:#cdd8ec;padding:64px 0 30px;}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:40px;}
.site-footer .wm{font-weight:600;font-size:21px;}
.site-footer p{font-size:13.5px;line-height:1.7;color:#9fb0d0;margin:16px 0 0;max-width:300px;}
.foot-col h5{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:#7e93bd;margin:0 0 18px;font-weight:600;}
.foot-col ul{list-style:none;margin:0;padding:0;display:grid;gap:12px;}
.foot-col a,.foot-col li{font-size:14px;color:#cdd8ec;}
.foot-col a:hover{color:#fff;}
.foot-contact li{display:flex;gap:11px;align-items:flex-start;font-size:13.5px;line-height:1.55;color:#cdd8ec;}
.foot-contact svg{width:17px;height:17px;flex:none;color:var(--green-tint);margin-top:2px;}
.foot-bottom{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding-top:24px;font-size:12.5px;color:#8295bb;}
.foot-bottom .jupeak{color:#cdd8ec;}
.foot-bottom .jupeak b{color:#fff;font-weight:600;}

/* ---------- forms ---------- */
.form-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start;}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.field{margin-bottom:18px;display:flex;flex-direction:column;}
.field label{font-size:13px;font-weight:600;margin-bottom:8px;color:var(--ink);}
.field label .req{color:var(--green);}
.field input,.field select,.field textarea{
  font-family:inherit;font-size:15px;color:var(--ink);
  padding:13px 15px;border:1.5px solid var(--line);border-radius:12px;background:#fff;
  transition:border-color .15s, box-shadow .15s;width:100%;
}
.field textarea{resize:vertical;min-height:104px;}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--green);box-shadow:0 0 0 4px rgba(46,158,91,.12);
}
.field input::placeholder,.field textarea::placeholder{color:#aab6cb;}
.form-note{font-size:12.5px;color:var(--muted);margin-top:6px;}
.chip-select{display:flex;flex-wrap:wrap;gap:9px;}
.chip-select input{position:absolute;opacity:0;pointer-events:none;}
.chip-select label{
  display:inline-flex;align-items:center;gap:7px;font-size:13.5px;font-weight:500;margin:0;
  padding:9px 14px;border:1.5px solid var(--line);border-radius:999px;cursor:pointer;background:#fff;
  transition:all .15s;
}
.chip-select label:hover{border-color:var(--blue-tint);}
.chip-select input:checked + label{background:var(--blue);color:#fff;border-color:var(--blue);}
.form-success{
  display:none;text-align:center;padding:30px 10px;
}
.form-success .tick{width:72px;height:72px;border-radius:50%;background:rgba(46,158,91,.12);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;}
.form-success .tick svg{width:38px;height:38px;color:var(--green);}
.form-success h3{font-size:23px;margin:0 0 10px;}
.form-success p{color:var(--muted);font-size:15px;margin:0 auto;max-width:380px;}
.is-submitted form{display:none;}
.is-submitted .form-success{display:block;}

/* aside info card */
.info-card{background:var(--grey);border:1px solid var(--line);border-radius:var(--radius);padding:26px;}
.info-card + .info-card{margin-top:18px;}
.info-card h4{font-size:16px;margin:0 0 14px;}
.info-list{list-style:none;margin:0;padding:0;display:grid;gap:14px;}
.info-list li{display:flex;gap:12px;font-size:14px;color:var(--ink);align-items:flex-start;}
.info-list li svg{width:20px;height:20px;color:var(--green);flex:none;margin-top:1px;}
.info-list li b{display:block;font-weight:600;}
.info-list li span{color:var(--muted);font-size:13px;}

/* page hero (sub pages) */
.page-hero{background:var(--blue);color:#fff;padding:56px 0 64px;position:relative;overflow:hidden;}
.page-hero::after{content:"";position:absolute;width:340px;height:340px;border-radius:50%;border:2px dotted rgba(95,209,143,.25);right:-110px;top:-120px;}
.page-hero .crumb{font-size:13px;color:rgba(255,255,255,.6);display:flex;gap:8px;align-items:center;}
.page-hero .crumb a:hover{color:#fff;}
.page-hero h1{margin:16px 0 0;font-size:clamp(30px,4vw,46px);font-weight:700;letter-spacing:-.03em;}
.page-hero p{margin:16px 0 0;max-width:560px;color:#c5d2ea;font-size:17px;}

/* benefits big numbers */
.benefit{padding:26px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);}
.benefit .bi{width:50px;height:50px;border-radius:13px;background:rgba(46,158,91,.1);display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
.benefit .bi svg{width:26px;height:26px;color:var(--green);}
.benefit h4{font-size:17px;margin:0 0 7px;}
.benefit p{margin:0;font-size:13.5px;color:var(--muted);line-height:1.6;}

/* reveal animation */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .6s ease, transform .6s ease;}
.reveal.in{opacity:1;transform:none;}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none;}}

/* ---------- responsive ---------- */
@media(max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:40px;}
  .hero-visual{min-height:360px;order:-1;}
  .split,.form-wrap{grid-template-columns:1fr;gap:32px;}
  .g-4{grid-template-columns:repeat(2,1fr);}
  .steps{grid-template-columns:repeat(2,1fr);}
  .stat-strip{grid-template-columns:repeat(2,1fr);}
  .foot-grid{grid-template-columns:1fr 1fr;gap:32px;}
}
/* nav collapses to hamburger early enough that the desktop links never overflow */
@media(max-width:1024px){
  .nav-links,.nav-phone span{display:none;}
  .nav-toggle{display:flex;}
  .nav-links.open{
    display:flex;position:absolute;top:74px;left:0;right:0;flex-direction:column;
    align-items:flex-start;gap:6px;background:#fff;border-bottom:1px solid var(--line);
    padding:14px 28px 22px;box-shadow:var(--shadow);
    max-height:calc(100vh - 74px);overflow-y:auto;
  }
  .nav-links.open a{padding:13px 0;width:100%;font-size:16px;}
}
@media(max-width:900px){
  .section{padding:60px 0;}
  .g-2,.g-3{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .cta-band{padding:36px 26px;}
  .cta-band .inner{flex-direction:column;align-items:flex-start;}
}
@media(max-width:520px){
  .g-4,.steps,.stat-strip,.foot-grid{grid-template-columns:1fr;}
  .float-card{display:none;}
  .container{padding:0 20px;}
}

/* ===========================================================
   EXPANSION COMPONENTS — dropdown nav, calculator, FAQ,
   loan-detail, app banner, blogs, stories, credit gauge
   =========================================================== */

/* ---- dropdown nav ---- */
.nav-links .has-drop{position:relative;}
.nav-links .ddtitle{display:inline-flex;align-items:center;gap:6px;cursor:pointer;font-size:14.5px;font-weight:500;color:var(--ink);opacity:.82;white-space:nowrap;}
.nav-links .ddtitle svg{width:13px;height:13px;transition:transform .18s;}
.nav-links .has-drop:hover .ddtitle{opacity:1;color:var(--blue);}
.nav-links .has-drop:hover .ddtitle svg{transform:rotate(180deg);}
.nav-links .drop{
  position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(8px);
  min-width:248px;background:#fff;border:1px solid var(--line);border-radius:14px;
  box-shadow:var(--shadow);padding:8px;opacity:0;visibility:hidden;transition:.16s;
  display:grid;gap:2px;z-index:70;margin-top:10px;
}
.nav-links .drop::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px;}
.nav-links .has-drop:hover .drop,.nav-links .has-drop:focus-within .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);}
.nav-links .drop a{display:flex;flex-direction:column;padding:10px 14px;border-radius:10px;font-size:14px;font-weight:500;color:var(--ink);opacity:.92;}
.nav-links .drop a small{font-size:11.5px;color:var(--muted);font-weight:400;margin-top:2px;}
.nav-links .drop a:hover{background:var(--grey);color:var(--blue);opacity:1;}
.nav-links .drop.wide{grid-template-columns:repeat(2,minmax(168px,1fr));min-width:392px;left:0;transform:translateX(0) translateY(8px);}
.nav-links .has-drop:hover .drop.wide,.nav-links .has-drop:focus-within .drop.wide{transform:translateX(0) translateY(0);}
.nav-links .drop .drop-all{grid-column:1 / -1;color:var(--green);font-weight:600;border-top:1px solid var(--line);border-radius:0 0 10px 10px;margin-top:2px;}
.nav-links .drop .drop-all:hover{color:var(--green-600);}

/* WhatsApp floating button */
.wa-fab{position:fixed;right:22px;bottom:22px;z-index:90;display:inline-flex;align-items:center;gap:10px;background:#25D366;color:#fff;padding:13px 19px 13px 15px;border-radius:999px;box-shadow:0 12px 30px -8px rgba(37,211,102,.55);font-family:'Poppins',sans-serif;font-weight:600;font-size:14.5px;text-decoration:none;transition:transform .15s ease, box-shadow .2s ease;}
.wa-fab svg{width:26px;height:26px;flex:none;}
.wa-fab:hover{transform:translateY(-2px);box-shadow:0 16px 38px -8px rgba(37,211,102,.7);color:#fff;}

/* ---- calculator ---- */
.calc-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:stretch;}
.calc-panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:34px;box-shadow:var(--shadow);}
.calc-field{margin-bottom:26px;}
.calc-field .cf-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:12px;}
.calc-field label{font-size:14px;font-weight:600;color:var(--ink);}
.calc-field .cf-val{font-family:'JetBrains Mono',monospace;font-weight:600;font-size:15px;color:var(--blue);background:var(--grey);border:1px solid var(--line);border-radius:9px;padding:6px 12px;}
.calc-field .cf-val .u{color:var(--green);}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:7px;border-radius:99px;background:var(--line);outline:none;}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:var(--green);border:4px solid #fff;box-shadow:0 2px 8px rgba(46,158,91,.5);cursor:pointer;}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--green);border:4px solid #fff;box-shadow:0 2px 8px rgba(46,158,91,.5);cursor:pointer;}
.cf-scale{display:flex;justify-content:space-between;font-size:11px;color:var(--muted);margin-top:8px;font-family:'JetBrains Mono',monospace;}
/* editable value inputs inside the slider pills */
.cf-val input,.mc-top .v input{border:none;background:transparent;font-family:'JetBrains Mono',monospace;font-weight:600;color:inherit;padding:0;margin:0;text-align:right;-moz-appearance:textfield;}
.cf-val input::-webkit-outer-spin-button,.cf-val input::-webkit-inner-spin-button,.mc-top .v input::-webkit-outer-spin-button,.mc-top .v input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0;}
.cf-val input{width:108px;font-size:15px;}
.mc-top .v input{width:90px;font-size:13px;}
.cf-val input:focus,.mc-top .v input:focus{outline:none;}
.cf-val:focus-within,.mc-top .v:focus-within{border-color:var(--green);box-shadow:0 0 0 3px rgba(46,158,91,.14);background:#fff;}
.calc-result{background:var(--blue);color:#fff;border-radius:var(--radius-lg);padding:34px;display:flex;flex-direction:column;box-shadow:var(--shadow-navy);position:relative;overflow:hidden;}
.calc-result::after{content:"";position:absolute;width:240px;height:240px;border-radius:50%;border:2px dotted rgba(95,209,143,.28);right:-80px;bottom:-90px;}
.calc-result .emi-lab{font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:rgba(255,255,255,.7);}
.calc-result .emi-num{font-size:clamp(34px,5vw,46px);font-weight:700;letter-spacing:-.02em;margin:8px 0 0;}
.donut{display:flex;align-items:center;gap:20px;margin:26px 0;position:relative;z-index:1;}
.donut svg{flex:none;}
.donut .legend{display:grid;gap:12px;}
.donut .lg{display:flex;align-items:center;gap:10px;font-size:13px;}
.donut .lg .sw{width:13px;height:13px;border-radius:4px;flex:none;}
.donut .lg b{font-weight:600;display:block;font-size:15px;}
.donut .lg span{color:rgba(255,255,255,.65);font-size:11.5px;}
.calc-result .btn{margin-top:auto;position:relative;z-index:1;}

/* breakup table */
.table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;}
.table th,.table td{padding:14px 18px;text-align:left;font-size:14px;border-bottom:1px solid var(--line);}
.table th{background:var(--grey);font-weight:600;font-size:12px;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);}
.table td{color:var(--ink);}
.table td.num{font-family:'JetBrains Mono',monospace;text-align:right;}
.table tr:last-child td{border-bottom:none;}
.table tr.total td{font-weight:700;background:rgba(46,158,91,.06);color:var(--blue);}

/* info tiles (APR / tenure explainers) */
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);}
.tile .tnum{font-family:'JetBrains Mono',monospace;font-size:13px;color:var(--gold);font-weight:500;}
.tile h4{font-size:18px;margin:10px 0 8px;}
.tile p{margin:0;font-size:14px;color:var(--muted);line-height:1.6;}

/* ---- FAQ accordion ---- */
.faq{display:grid;gap:12px;max-width:840px;margin:0 auto;}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:4px 22px;box-shadow:var(--shadow-sm);}
.faq summary{list-style:none;cursor:pointer;padding:18px 0;font-weight:600;font-size:16px;display:flex;align-items:center;justify-content:space-between;gap:16px;color:var(--ink);}
.faq summary::-webkit-details-marker{display:none;}
.faq summary .pl{flex:none;width:26px;height:26px;border-radius:8px;background:var(--grey);display:flex;align-items:center;justify-content:center;transition:.2s;}
.faq summary .pl svg{width:15px;height:15px;color:var(--blue);transition:transform .2s;}
.faq details[open] summary .pl{background:var(--green);}
.faq details[open] summary .pl svg{color:#fff;transform:rotate(45deg);}
.faq details p{margin:0 0 20px;color:var(--muted);font-size:14.5px;line-height:1.65;max-width:680px;}

/* ---- loan detail ---- */
.ld-split{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:start;}
.checklist{list-style:none;margin:0;padding:0;display:grid;gap:14px;}
.checklist li{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;color:var(--ink);line-height:1.5;}
.checklist li svg{width:21px;height:21px;flex:none;color:var(--green);margin-top:1px;}
.doc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);}
.doc-card h4{font-size:17px;margin:0 0 16px;display:flex;align-items:center;gap:10px;}
.doc-card h4 svg{width:20px;height:20px;color:var(--blue);}
.spec-row{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.spec{background:var(--grey);border:1px solid var(--line);border-radius:14px;padding:22px;text-align:center;}
.spec .sn{font-size:26px;font-weight:700;color:var(--blue);letter-spacing:-.02em;}
.spec .sn .u{color:var(--green);font-size:18px;}
.spec .sl{font-size:12.5px;color:var(--muted);margin-top:6px;}

/* ---- app banner ---- */
.app-band{position:relative;overflow:hidden;background:linear-gradient(135deg,#21478c,#0f2349);color:#fff;border-radius:var(--radius-lg);padding:48px;box-shadow:var(--shadow-navy);}
.app-band::before{content:"";position:absolute;width:320px;height:320px;border-radius:50%;border:2px dotted rgba(95,209,143,.26);right:-100px;top:-90px;}
.app-band .inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:36px;flex-wrap:wrap;}
.app-band h2{font-size:clamp(24px,3vw,34px);color:#fff;margin:0 0 12px;letter-spacing:-.02em;}
.app-band p{color:#c5d2ea;margin:0;font-size:15.5px;max-width:430px;}
.store-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px;}
.store-btn{display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--blue);border-radius:12px;padding:11px 18px;font-weight:600;font-size:14px;}
.store-btn svg{width:20px;height:20px;}
.store-btn small{display:block;font-size:10px;font-weight:400;color:var(--muted);line-height:1;}
.store-btn b{font-size:14px;line-height:1.1;}

/* ---- blogs ---- */
.blog-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .18s, box-shadow .2s;}
.blog-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);}
.blog-thumb{height:160px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;}
.blog-thumb svg{width:64px;height:64px;color:#fff;opacity:.95;position:relative;z-index:1;}
.blog-thumb .ring{position:absolute;width:200px;height:200px;border-radius:50%;border:2px dotted rgba(255,255,255,.3);}
.blog-body{padding:24px;display:flex;flex-direction:column;flex:1;}
.blog-cat{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);}
.blog-card h3{font-size:18px;margin:10px 0 8px;line-height:1.3;}
.blog-card p{font-size:13.5px;color:var(--muted);margin:0 0 16px;line-height:1.6;flex:1;}
.blog-meta{display:flex;align-items:center;justify-content:space-between;font-size:12.5px;color:var(--muted);}
.blog-meta .more{color:var(--green);font-weight:600;display:inline-flex;align-items:center;gap:6px;}
.blog-meta .more svg{width:14px;height:14px;}
.soon{font-size:11px;font-weight:600;color:var(--muted);background:var(--grey);border:1px solid var(--line);padding:4px 10px;border-radius:999px;}

/* article */
.article{max-width:760px;margin:0 auto;}
.article p{font-size:16.5px;line-height:1.75;color:#26344f;margin:0 0 22px;}
.article h2{font-size:27px;margin:42px 0 14px;letter-spacing:-.02em;}
.article h3{font-size:20px;margin:30px 0 10px;}
.article ul{margin:0 0 22px;padding-left:4px;list-style:none;display:grid;gap:12px;}
.article ul li{display:flex;gap:12px;font-size:16px;color:#26344f;line-height:1.6;}
.article ul li svg{width:22px;height:22px;color:var(--green);flex:none;margin-top:2px;}
.article .callout{background:var(--grey);border-left:4px solid var(--green);border-radius:0 14px 14px 0;padding:22px 26px;margin:28px 0;font-size:16px;color:var(--ink);}

/* ---- stories ---- */
.story-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;}
.story-card .quote{font-size:34px;line-height:1;color:var(--green-tint);font-family:Georgia,serif;}
.story-card blockquote{margin:6px 0 20px;font-size:16px;line-height:1.6;color:var(--ink);}
.story-card .who{display:flex;align-items:center;gap:14px;margin-top:auto;}
.story-card .av{width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:18px;flex:none;}
.story-card .who .nm{font-weight:600;font-size:14.5px;}
.story-card .who .ro{font-size:12.5px;color:var(--muted);}
.story-card .outcome{display:flex;gap:18px;margin:0 0 20px;padding:16px 0 0;border-top:1px solid var(--line);}
.story-card .outcome div .n{font-weight:700;color:var(--green);font-size:18px;}
.story-card .outcome div .l{font-size:11.5px;color:var(--muted);}

/* ---- credit gauge ---- */
.gauge-wrap{display:flex;flex-direction:column;align-items:center;}
.gauge-num{font-size:54px;font-weight:700;color:var(--blue);letter-spacing:-.02em;line-height:1;}
.gauge-tag{font-size:14px;font-weight:600;color:var(--green);margin-top:6px;}
.factor{display:flex;align-items:center;gap:14px;padding:16px 0;border-bottom:1px solid var(--line);}
.factor:last-child{border-bottom:none;}
.factor .fi{width:42px;height:42px;border-radius:11px;background:var(--grey);display:flex;align-items:center;justify-content:center;flex:none;}
.factor .fi svg{width:22px;height:22px;color:var(--blue);}
.factor .ft{flex:1;}
.factor .ft b{font-size:14.5px;font-weight:600;}
.factor .ft p{margin:2px 0 0;font-size:12.5px;color:var(--muted);}
.factor .fw{font-family:'JetBrains Mono',monospace;font-size:12px;color:var(--muted);}

/* dropdowns render inline inside the mobile menu (same breakpoint as the nav switch) */
@media(max-width:1024px){
  .nav-links.open .has-drop{width:100%;}
  .nav-links.open .ddtitle{padding:13px 0;width:100%;font-size:16px;}
  .nav-links.open .drop{
    position:static;transform:none;opacity:1;visibility:visible;box-shadow:none;
    border:none;padding:2px 0 8px 16px;min-width:0;margin:0;background:transparent;
  }
  .nav-links.open .drop::before{display:none;}
  .nav-links.open .drop a{padding:10px 0;font-size:14.5px;}
  .nav-links.open .drop.wide{grid-template-columns:1fr;min-width:0;}
}
@media(max-width:900px){
  .calc-grid,.ld-split{grid-template-columns:1fr;}
  .spec-row{grid-template-columns:1fr;}
  .app-band{padding:34px 26px;}
  .app-band .inner{flex-direction:column;align-items:flex-start;}
}
@media(max-width:560px){
  .wa-fab span{display:none;}
  .wa-fab{padding:14px;right:16px;bottom:16px;}
}

/* ---- site-wide tools band (mini calculator + credit CTA) ---- */
.tools-band{border-top:1px solid var(--line);}
.tools-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:24px;align-items:stretch;}
.mini-calc{display:flex;flex-direction:column;}
.mini-calc h3{font-size:20px;margin:0 0 4px;}
.mini-calc .sub{font-size:13px;color:var(--muted);margin:0 0 20px;}
.mc-field{margin-bottom:16px;}
.mc-top{display:flex;justify-content:space-between;align-items:center;font-size:13.5px;font-weight:600;margin-bottom:9px;}
.mc-top .v{font-family:'JetBrains Mono',monospace;color:var(--blue);background:var(--grey);border:1px solid var(--line);border-radius:8px;padding:4px 10px;font-size:13px;}
.mc-top .v .u{color:var(--green);}
.mc-foot{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-top:auto;padding-top:18px;border-top:1px solid var(--line);flex-wrap:wrap;}
.mc-emi .l{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;}
.mc-emi .n{font-size:28px;font-weight:700;color:var(--blue);letter-spacing:-.02em;line-height:1.1;}
.mc-emi .n .u{color:var(--green);font-size:20px;}
.credit-cta{display:flex;flex-direction:column;justify-content:center;text-align:left;}
.credit-cta .score{font-size:52px;font-weight:700;color:#fff;letter-spacing:-.02em;line-height:1;}
.credit-cta .bar{height:9px;border-radius:99px;background:rgba(255,255,255,.16);overflow:hidden;margin:18px 0 0;position:relative;z-index:1;}
.credit-cta .bar i{display:block;height:100%;width:84%;background:var(--green-tint);border-radius:99px;}

/* ---- mobile sticky apply bar ---- */
.mobile-cta-bar{display:none;}

/* ---- best practices checklist (2-col) ---- */
.bp-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 40px;}
.bp-grid .checklist{gap:16px;}

/* ---- safety / fraud cards ---- */
.safe-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);}
.safe-card.warn{border-left:4px solid var(--gold);}
.safe-card.do{border-left:4px solid var(--green);}
.safe-card h4{font-size:16px;margin:0 0 8px;display:flex;align-items:center;gap:10px;}
.safe-card h4 svg{width:20px;height:20px;flex:none;}
.safe-card p{margin:0;font-size:13.5px;color:var(--muted);line-height:1.6;}
.safe-strip{display:flex;gap:14px;align-items:center;background:rgba(224,169,43,.1);border:1px solid rgba(224,169,43,.35);border-radius:14px;padding:16px 20px;font-size:14px;color:var(--ink);}
.safe-strip svg{width:24px;height:24px;color:var(--gold);flex:none;}

/* ---- meet your loan bandhus ---- */
.bandhu-row{display:flex;justify-content:center;flex-wrap:wrap;gap:30px;}
.bandhu{display:flex;flex-direction:column;align-items:center;text-align:center;width:148px;}
.bav{position:relative;width:84px;height:84px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;box-shadow:0 12px 26px -14px rgba(26,60,123,.6);}
.bav::after{content:"";position:absolute;inset:7px;border-radius:50%;border:2px dotted var(--green-tint);}
.bav svg{width:38px;height:38px;color:#fff;}
.bandhu .bn{font-weight:600;font-size:14.5px;margin-top:16px;color:var(--ink);}
.bandhu .br{font-size:12px;color:var(--muted);margin-top:3px;}
@media(max-width:560px){ .bandhu{width:130px;} .bandhu-row{gap:22px;} }

@media(max-width:900px){
  .tools-grid{grid-template-columns:1fr;}
  .bp-grid{grid-template-columns:1fr;}
}
@media(max-width:760px){
  .mobile-cta-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:88;background:#fff;border-top:1px solid var(--line);padding:10px 14px;gap:10px;box-shadow:0 -8px 24px -16px rgba(16,36,63,.45);}
  .mobile-cta-bar a{flex:1;padding:13px 14px;font-size:14.5px;}
  .mobile-cta-bar .call{flex:0 0 auto;}
  .wa-fab{bottom:80px;}
  body{padding-bottom:70px;}
}

/* ===========================================================
   MOBILE-FIRST REFINEMENTS
   Phone is the primary canvas: bigger tap targets, no iOS
   focus-zoom, fluid hero, tighter vertical rhythm.
   =========================================================== */

/* iOS zooms the page when a focused input is < 16px — pin to 16 on phones */
@media(max-width:768px){
  .field input,.field select,.field textarea,
  .cf-val input,.mc-top .v input{font-size:16px;}
}

/* hero medallion scales with the viewport so it never forces sideways scroll */
@media(max-width:560px){
  .medallion{width:min(320px,78vw);height:min(320px,78vw);}
  .medallion .rupee{font-size:clamp(116px,40vw,170px);}
  .medallion .smile{bottom:14vw;}
  .hero-visual{min-height:300px;}
}

/* phone layout: comfortable rhythm + full-width primary actions */
@media(max-width:560px){
  .container{padding:0 18px;}
  .section{padding:48px 0;}
  .section.tight{padding:38px 0;}
  .hero{padding:30px 0 44px;}
  .page-hero{padding:40px 0 46px;}
  .nav{height:62px;}
  .nav-links.open{top:62px;max-height:calc(100vh - 62px);}

  .hero-actions{gap:12px;}
  .hero-actions .btn{width:100%;}
  .btn-lg{padding:16px 24px;font-size:16px;}

  .display{font-size:clamp(31px,8.6vw,42px);}
  .h2{font-size:clamp(25px,7vw,34px);}
  .lead{font-size:16px;}

  .card,.pain,.benefit,.tile,.safe-card,.story-card{padding:22px;}
  .form-card,.calc-panel,.calc-result,.info-card{padding:24px;}
  .cta-band,.app-band,.panel-visual{padding:30px 22px;}

  .foot-col a,.foot-col li{padding:3px 0;}
  .foot-bottom{justify-content:flex-start;}

  .table th,.table td{padding:11px 12px;font-size:13px;}
}

/* small phones */
@media(max-width:380px){
  .display{font-size:29px;}
  .brand-lock .wm{font-size:20px;}
  .coin{height:36px;}
  .hero-trust{gap:14px;}
}

/* ===========================================================
   MOBILE LAYOUT FIXES (client request, June 2026)
   • Header: Enquire Now + menu button never overflow off-screen
   • Hero coin scaled down so it doesn't dominate the top
   • Stat numbers in two rows (2×2)
   • Every loan type = 2 cards per row
   • Feature / story trios stay 3-in-a-row
   =========================================================== */
@media(max-width:640px){

  /* ---- header: keep CTA + hamburger inside the screen ---- */
  .nav{gap:10px;}
  .nav-cta{gap:8px;}
  .nav-phone{display:none;}                 /* call covered by sticky bar + WhatsApp */
  .nav-cta .btn{padding:10px 15px;font-size:13.5px;}
  .nav-cta .btn svg{display:none;}
  .nav-toggle{width:42px;height:42px;flex:none;}
  .brand-lock{min-width:0;}
  .brand-lock .wm{font-size:19px;}

  /* ---- hero coin: smaller, proportional ---- */
  .hero-visual{min-height:auto;margin-bottom:4px;}
  .medallion{width:min(190px,52vw);height:min(190px,52vw);}
  .medallion .rupee{font-size:clamp(78px,26vw,104px);}
  .medallion .smile{bottom:9vw;width:96px;}
  .medallion .ring.r2{inset:-16px;}
  .medallion .ring.r3{inset:-38px;}

  /* ---- stat numbers: two rows of two ---- */
  .stat-strip{grid-template-columns:repeat(2,1fr);}
  .stat{padding:20px 12px;}
  .stat .num{font-size:clamp(23px,7vw,30px);}
  .stat .lab{font-size:11.5px;margin-top:6px;line-height:1.3;}

  /* ---- loan types: two cards per row ---- */
  .g-4{grid-template-columns:repeat(2,1fr);gap:12px;}
  .loan-card{padding:16px;}
  .loan-card .ico{width:42px;height:42px;border-radius:11px;margin-bottom:12px;}
  .loan-card .ico svg{width:22px;height:22px;}
  .loan-card h3{font-size:14.5px;}
  .loan-card p{font-size:12px;line-height:1.5;}
  .loan-card .rate{font-size:10.5px;margin-top:10px;padding:3px 8px;}

  /* ---- 3-up feature & story sections stay in one row (home page) ---- */
  .home .g-3{grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;}
  .home .g-3 > *{min-width:0;}                /* let tracks shrink, no overflow */
  .home .g-3 .card{padding:13px;}
  .home .g-3 .card .ico{width:38px;height:38px;border-radius:10px;margin-bottom:9px;}
  .home .g-3 .card .ico svg{width:20px;height:20px;}
  .home .g-3 .card h3{font-size:13px;line-height:1.18;margin-bottom:5px;}
  .home .g-3 .card p{font-size:11px;line-height:1.4;}
  .home .g-3 .story-card{padding:13px;}
  .home .g-3 .story-card .quote{font-size:24px;}
  .home .g-3 .story-card blockquote{font-size:11px;line-height:1.4;margin:2px 0 12px;overflow-wrap:anywhere;}
  .home .g-3 .story-card .outcome{flex-direction:column;gap:8px;margin-bottom:12px;padding-top:12px;}
  .home .g-3 .story-card .outcome div .n{font-size:14px;}
  .home .g-3 .story-card .outcome div .l{font-size:10px;}
  .home .g-3 .story-card .who{gap:8px;}
  .home .g-3 .story-card .av{width:32px;height:32px;font-size:13px;}
  .home .g-3 .story-card .nm{font-size:11.5px;}
  .home .g-3 .story-card .ro{font-size:10px;}
}

/* keep the trios readable on the very smallest phones */
@media(max-width:360px){
  .home .g-3{gap:6px;}
  .home .g-3 .card p,.home .g-3 .story-card blockquote{display:none;}
}